Let us go back to history, in the ’30s, ’40s and 50’s extending credit was a different game,  other methods were used to judge an individual and their creditworthiness. The officers at the bank used their own judgment to extend credit to individuals.  Therefore if someone “liked” you as an individual they can extend credit, and if they don’t “like” you, well we know how that goes.

Two men named Bill Fair ( An Engineer) and Earl Isaac ( A mathematician) came up with an idea to solve the credit problem. These two men were broke,  but they came up with this amazing idea. This was the birth of FICO, Fair Isaac Corporation.  It is difficult to imagine that this company was founded with just $800.00, today it collects an estimated amount of  $932.17 million in revenue.

 Most people think that the credit score system, or FICO, is based on the law rather than mathematics, here we have two mathematicians actually started the company. Mathematics play more of a role in the credit system than the law does, unfortunately most people don’t like mathematics and find it useless. There is mathematics in everything we do.

 Today most calculations are automated. The insurance companies use an identical system, Both insurance companies and banks have Actuaries, so they already calculated credit risk. There is also this notion of people thinking they can just spend and get away with it, which is not possible. 

The first step in “fixing” credit ( as some people may call it) is behavior change. What the credit score system revealed the most is the spending habits of people in different demographics. The second step I will say is account for your spending like an accountant.

This is what the credit system entails.

30% Amount owed

10% New Credit

15%  Length of Credit History

10 % Credit Mix

35% Payment History

People are more concerned about increasing their credit score instead of changing the spending habits, if we can change our spending habits, we can automatically increase or credit score. Don’t get me wrong FICO isn’t perfect,  I think the unfairness comes on the part of the companies that report individuals, this is the part where the legal system comes in but must be done with evidence which is not difficult to obtain if one is serious about their finances, but when one is mathematically inclined almost inevitably comes to the conclusion that something isn’t right, therefore might not need the law to help “fix” their credit.  WE need to take mathematics more seriously, all other things might be added. It is the back bone to everything!!!

I will define police brutality as the unnecessary use of deadly force, while systemic racism is a belief in racial superiority thereby creating a system that allows individuals of a particular race to always get ahead.  To me, the two are not interchangeable. this is why I believe that the whole protest was a fallacy or an excuse to riot, and get stuff for free.  Let’s look at some alarming statistics since there is almost no outcry for black on black crime and killing.

• Blacks are only 13% of the population
• 50% of all homicide victims are black
• This means 3% commits 50 % of the nation’s homicides

Black lives are supposed to matter but there were no marches, no outrage, nothing at all, Anything passed 50 % is too much. Black lives matter only when “we,” say it does,  and we can say its system racism, and people will just believe it.

This is how to debunk systemic racism, we should look at a particular area,  and look at how many black people are in positions of power and authority in that area,  basic math works, accountability works.  If there are more black people in positions of power in that area, it is not systemic racism, just like in the case of Freddie Gray in Baltimore,  to start with that case, what were the people protesting? police brutality or systemic racism?  Systemic racism is not possible because in Baltimore most people who are in positions of power, ( especially at that time) were black. 3 of the officers who were accused and even the state attorney was black, not to mention that happened under a black president, it cant be police brutality,

In the case of Sean Bell, 2 of the police officer were black.  I’m not saying that these killings are justified, I’m saying that it couldn’t be systemic racism when people in authority were black,  I’m sure there will be people who will say hey, well Trump is a racist and he doesn’t really want to do anything about it, well here is the thing though if that was true, all the officers would have been prosecuted under a black president, it didn’t happen.

What about child support though, isn’t it systemic discrimination against men ???  The numbers are very disturbing.  This is very quiet but child support. if you are behind on child support, you might end up in jail, they may take your drivers license, etc,  That has crippled that black community for years, yet no one talk about that, if black lives really matter, look at the way we are throwing the system at ourselves. We are the first ones to call the system when we have a problem.  It is funny that today we are talking about defunding the police.

Police Brutality and systemic racism are catchphrases that the media uses to get people to act a certain way. I don’t think we as people should pay attention to that, the media is in business to make money, so they will benefit from this. I think we need more practical ideas and not catchphrases. If we do catchphrases we won’t be able to solve anything.

I understand the issue from both sides. This is where I think the police need extra training.  How is it that the 2 police officers could not restrain one unarmed black man? They had to shoot him???  from what I understand they tried to tase him, we all saw how that ended up, he took the taser from one of the officers and attempted to use it on the officer.  Not too many people can think on their feet in hostile situations. From the story they appeared to have everything under control, it is when they attempted to arrest him, that is when it all changed, and he managed to take the taser from one of the officers, and then the police ended using deadly force. They shot him twice in the back which means he attempted to run away

What they should have done was as soon as he attempted to get away or got away they have let him go, got the car towed from the drive-through, no one had to die, hence the title of this article, “ you live to fight another day”. He failed a breathalyzer test which means he was intoxicated, the interesting thing is that he was actually asleep, and not being a danger to everyone else and himself on the road, just because of that alone, I don’t think he should have lost his life

They could have tracked him down and arrested him later if that Is what needed to be done. From the footage, the police appeared scared,  and if a police officer is scared, of an unarmed man, he better find another profession, which is why I agree with the officers being fired. We all have fear in us but you can’t let fear control you especially in the line of duty. How we use fear is the difference no one is immune to fear.

In the case of that individual, I wonder what was going on in his head before he got drunk and got behind the wheel, moreover why would you park in a drive-through lane?  Why would anyone do this?

In recent times the police do not have a good reputation, they are now the scapegoat of whatever goes wrong in the nation, never mind the civilian deaths, black on black murder, and all. “Someone said” if you play a stupid game win a stupid prize”, this is not the time to test the police.

The family already got a lawyer and I smell a wrongful death suit coming,   According to multiple sources, Tyler Perry as offered to pay for the funeral of the individual, Rayshard Brooks. The police chief resigned, and those two officers were fired (rightfully so), they were not responsible with their weapons.

Here is an officer who should still have a job, but they fired him anyway for not using deadly force, this is an officer who spotted mental issues from a mile away. In 2016 A black man by the name of RJ Williams who was suffering mental issues had a gun and wanted to commit suicide by police, Officer Stephen Mader had responded to a 911 call, and came face to face with this man, he drew his weapon and asked Mr. Williams to put his gun down, Mr. Williams said: “  I don’t want to, just shoot me “, officer Mader responded,” I’m not going to shoot you brother “ he clearly figured out that there was something wrong with this man, he tried to talk him out of it, well 2 other officers responding to the same 911 call came there and shot Mr. Williams,  here is the twist in this story officer Mader was actually fired for not shooting Mr. Williams, they said he was negligent and put the lives of his fellow officers at risk,  wow a police officer actually doing the right thing and he was fired for it. Still don’t think there are good police officers ??

I still don’t think defunding the police is the answer, li just think the police need extra training and follow this man’s example on how to spot situations like Mr. RJ Williams and learn to save lives,  but I also call for responsible citizenship.  We all should be responsible for our actions and should have no excuses at all. No one should attempt to take advantage of the situation at hand. This happens far too often. I think everyone was wrong in this situation, but sadly one person wouldn’t be around to correct his mistake, he is dead!

On May 25^th, 2020, a man by the name of George Floyd was murdered by Police. Police arrested George Floyd for passing a fake $20.0 bill at the grocery store. According to the story told Floyd purchased cigarettes and was asked to return the Cigarettes the store called the police and that is when Floyd had an encounter with the Police.  An encounter that cost him his life. The police officer claims he was resisting arrest and so the officer pressed his knee on Mr. Floyd’s neck for 8 mins and 46 seconds. The interesting part is that the whole incident was filmed on someone’s cell phone, thanks to new technology you may say, but people standing by were pleading with the Officer to at least stand-up, get off his neck, because Floyd was yelling out, “I can’t breathe”. He already had Floyd in handcuffs.

People did nothing but film the incident, I’m not calling for an attack on the police, but they didn’t do anything, even didn’t call 911,  that could have saved his life. They did not call extra police, they just kept filming.  It seems in this day and age, because of our addiction to our cell phones and social media we have actually forgotten how to be responsible citizens.  If someone’s house was burning as I said before, we might have to help before the fire department gets there. In this era, people will be the first to film and then post it on social media before they even think about doing anything else.

Cell phones these days are becoming more and more sophisticated,  our lives are more and more connected to this device.  The integration of social media platforms and cell phones made it possible to have access to social media platforms 24 hours a day and even broadcast live in most cases. In this always “connected” world people will rather be a Facebook citizen, Instagram citizen, than a responsible one. we always pay attention to things like drug epidemics, suicides, but somehow we have left out social media addiction, which in itself is an epidemic. I’m just an individual writing an article, but if this is not true, then why do we have social media addiction centers?? During Floyd’s incident, people were standing by for 8,  that is enough to save a life.  Paramedics would have told the officer to move, so they can administer first aid…….

Then followed waves of protest, all across the nation, it even went international. Another interesting fact, the same thing happened over and over again during the protest, riots, and looting. People went with their cell phones, filmed themselves at the protest, some even started broadcasting live, ( narcissism at its best). Some stood in front of the police officers, provoking them, and trying to get a reaction while filming so they can get “content” for their social media platforms. It is almost as if the people protesting didn’t go there to protest but to get on social media and act as if they were actually there to protest. Of course, our “holy” celebrities don’t make it easier, they have people who follow them on social media religiously,

The ironic part of all this was people didn’t realize that they were making the same mistake which partially caused the death of Mr. Floyd, No one did anything but stand there and film. I’m not saying they should have attacked the police,(AGAIN) but something as little as calling 911 when he first shouted “ I  can’t breathe” may have saved his life.  An ex-officer David Dorn, lost his life while trying to protect a store, while he was bleeding to death someone was filming instead of calling 911, he wanted to be the first to capture the footage.

Cell phones are a necessity in today’s word, but it is out of control, it has become the most important thing in our lives. Ladies and Gentlemen welcome to the attention society, and the most important vehicle in this attention society are our smartphones. I will say this, like everything else moderation is the key, we have big corporations and social media companies who dissect and play with our emotions, the more addicted we are, the more money they make, it is in their best interest to keep us glued to our phones. This is a point where we as a society should pause and say “ this is getting out of hand, and we must do something about it”. The police are human beings too, so we can’t expect every police officer to be perfect, or even good,  what the INDIVIDUAL police did was wrong, he ended up killing a man, I don’t know what his intentions were, we leave that for the courts to decide and find out but at least at this man’s funeral,  it shouldn’t be all about police brutality,  it should also be about the mental health of which social media is a big part of. I don’t expect our politicians to do anything about it, they actually benefit from social media,  Alexandria Ocasio-Cortez called facebook a public health risk, of course after her campaign benefitted from its use.  I haven’t heard anything from the media about this issue.

Like I said before, moderation is the key, and let us give ourselves the chance to integrate responsible citizenry and social media, I’m just one man but I have started the conversation, hopefully, a few people will join in so we can get the ball rolling. This is a better idea than defunding the police. if we can do this to fast-food restaurants and push them to become more health-oriented, then we can also push these big corporations to address mental health and how addictive social media can be.

We are all furious about what happened but defunding the Police is not the answer. Where are those funds going? More social programs???. What programs are those ?? Public schools are funded by property taxes. Let us talk about social programs for a second, does anyone remember some social programs that were supposed to benefit communities?  Like the war on poverty, war on drugs??. Should the money go towards more public housing?  I would say NO because that never solved the problem of poverty. It only gives people just enough to get buy but not enough for anything else.  Policing may need an overhaul, no one has even talked about what we would be replacing the police with.  It will be total chaos. Let us agree that if the Police hadn’t been around this protest/riot/looting the situation could have been far worse. The police do stand for something, in some states the police were actually kneeling with the protesters, So most  Police officers know what happened was wrong but it doesn’t happen every day, and we know this. I  would advocate for Police overhaul not getting rid of it entirely.

Some also make the argument that the history of Police started with slave patrols, they use this as evidence of systemic racism well. We cannot deny that there are racist elements within the police force. The police were used in the past for racist purposes. The police are not ALL BAD.(one thing we must remember)

Let us not also forget that we are in a recession to some families being a Police officer is their major source of income .if we defund the Police we are taking jobs away from people and that is not right. Like the case of David Dorn, he was a retired Police officer and was killed trying to protect a store from looters, let us not forget that so many Police officers have also died in the line of duty. And they deserve our respect and 1-minute silence

Another fun fact,  70% of income taxes are paid by men yet most social programs in social services are for women, which brings me to this point. Most police brutality victims are men, Most suicides victims are men,  I think we should fight for men as much as we can. The police suffer too,  according to some news networks, 400 officers were injured due to this riot and two died, So far.

Do we like to say black lives matter??  here are a few black people who lost their lives, because of the protest and riots according to forbes.com

Calvin L Horton JR, 43, he was shot near the police department, he was a Staff Sargent in the United States Army.

Dave Patrick Underwood 53, he was killed in California, he was a Service Protective Officer

Chris Beaty 38 was a football Player, 

Italia Kelly 22, shot while leaving the protest for George Floyd ( even though she wasn’t black, she died at a tender age of 22)

David Dorn, 77 Ex-police officer, got shot while protecting a store from looting

I’ll end with this, last year 9 unarmed black men were shot by the police vs 19 unarmed whites. You do the math, do we still need to defund the Police?

Let us take a look I agree with her that our community which is the black community always uplifts the wrong people, it is almost as if our heroes are the ones who have gone against the “system”. We like to listen to our entertainers, and we glorify the people who are actually engaging in destructive behavior.  I also agree with her on the point that, once the officer was arrested for killing an unarmed man, all this should have stopped. That showed that someone sat down and said “ wait a minute” this isn’t right”. The looting doesn’t help anyone, we have actually ended gentrifying our own neighborhoods. We almost always turn around and say “ why can’t we have nice things like white people?” we forget that looting and breaking into stores doesn’t really hurt the business, the big businesses have cash on hand, and they have insurance,  after all this, they are going to pack up and leave because their insurance premiums might be too high for being in a high-risk neighborhood. Burning Target or any other big store doesn’t hurt them all.  Their CFO’s actually have a budget for these things.

I also agree with what she said about  Derick Chavin, being a killer,  because of that, he is not being uplifted in the white communities.

Here is where I disagree with her,  she brought up George Floyd’s criminal record, and the mental state he was in during his arrest. My question to her would be So ???? His past doesn’t mean he should die like that or die by the hands of the law,  So to that point, I will say the fact that he wasn’t a good person in his community doesn’t mean he deserved to die. Actually, when Police officers found out he was high at the time of the “arrest” that was the more reason to handle him with extreme caution because he might not be responsible for his actions, his judgment would extremely be impaired. So him being intoxicated doesn’t mean he deserved to die. ( I can’t say that enough).

True he has a criminal record. He has done somethings that he shouldn’t have done, but the fact is he was murdered right in his own neighborhood, AND that is not right !!!. She is right that we go too far and only say good things about people who might not deserve it, but she is overlooking the fact that when someone dies, remembering the good things they do helps loved ones get some closure, he was still a human being and still had people who loved him.  I can’t say I agree with her, everyone has a good side and a bad side. The hypocrisy is the problem,  as black people, we love being hypocrites when it comes to things like this, it is almost as if we like to pretend we don’t kill each other on a daily basis.  I agree with the fact that she is calling out the hypocrisy. That being said it still doesn’t mean he deserved to die.  To me murder is murder. So black on black crime should get the same attention from black leaders, entertainers like George Floyd got. He has a gofundme set up that has almost $12 million and still going. Do you mean to tell me the death of this man has people pooling money together for one man ??? All in the name of Police Brutality???  We can’t do it for any other reason but tragedy?? My question is that didn’t police brutality exist before ??  Now we have our so-called entertainers, donating, setting up college funds, etc. Extreme virtual signaling!!

Let us do some math,  Oprah, Jay Z, Kanye West, Michael Jordan,  are all billionaires, they can actually put a college fund for a whole lot of kids, but that doesn’t happen,  I’m not asking them just to give money out, but it is just funny that they are doing that now.

Coming back to Candace, the criminal record doesn’t justify what happened to him.  The man shouldn’t have died at the hands of the law. The law was supposed to protect him in the first place. Let us be honest here if George Floyd had not died the way he did and just died at the hands of another black man, no one would have cared, its just another black man they will say.  She asked why are we pretending George Floyd was a good man?  Well here is where it gets a little tricky, if you go into his history, of course, he wasn’t a good man, but I have never seen the law take a record of someone’s “goodness”, it’s the bad things that one does, those are the things that are recorded.  George Floyd may have done some good things, but we might never know what those are because authorities are not interested in the good things people do. I think there is something larger at play here, for example, George Floyd knew that police officer, so why isn’t anyone talking about that?  they worked together for a year and no one is asking more questions about this.

She went on to say Police Brutality is a myth, well I disagree and agree at the same time if we are looking at the numbers alone it seems like a myth, secondly, if something appears on the news, just by default it means it doesn’t happen every day that is why it is on the news, example when killing became normal in the black neighborhoods, the media stopped reporting on the killings and murders because It became so normal that reporting on them will be a waste of time.  Most people cannot tell you, 5 people, who they know, who have been a victim of police brutality. Considering the fact that we are just  13% of the population. In fact, they are more likely to tell you about someone who they know, who got killed by another black person than killed by the police.

To end this I’ll ask, is everything happening really about Police Brutality, or is it about killing or about both, ?? If it is about Police Brutality then we have our priorities misplaced because that doesn’t happen as much as they would want us to believe, if it is about killing, then where is the outrage for David Dorn? David Dorn was a 77-year-old ex-police officer who was shot in cold blood by a black man while he was trying to protect a store from looters, you know the same looting that the death of George Floyd caused???  , I’m yet to see any protest and outrage about him. In fact, since he left behind 5 children and 10 grandchildren I think the Floyd family should donate some of the money they got from gofundme to Mr. Dorn’s family.  If this is a fight against systemic racism then they can join hands in solidarity can’t they ??? They got $12 Million, I stand corrected, they have broken gofundme donation record, it has surpassed $13 million, so what’s a million to this man’s family right ??? I doubt that will ever happen,  Minneapolis government just asked the federal government for $45 million, you know to help with all the damage, here is a strange idea, since everyone is claiming to stand in solidarity, everyone somehow cares about each other almost instantaneously,  the Floyd family can donate let’s say $2 million, they can even ask that the money is used to help those who lost their jobs due to this protest/riots/looting.  They can actually make provisions, so that police get nothing from their donation… Ha, once again I doubt that will ever happen. It is safe to say it was and will never be about George Floyd.

Speaking of gofundme Candace Owens put one up to raise funds for a Café in Birmingham,  Alabama, she got $200,000.00 Gofundme suspended her gofundme over her “opinion”!!!!