Homeownership is an amazing tool for building wealth, especially for Black households. Unfortunately, policies, such as redlining, interfered with wealth-building through homeownership and has stunted Blacks from climbing the economic ladder, saving, and transferring wealth to the next generation.

What is redlining?

Redlining was a government-sanctioned discriminatory policy that designated most urban minority-majority neighborhoods as places banks were discouraged from offering home mortgages. The term comes from the color maps developed in the late 1930s by Homer Hoyt, an economist with the Federal Housing Administration (FHA). …


Last week, the Federal Housing Administration (FHA) announced immediate changes on how student loans are calculated, which will open the door to families that were previously shut out of homeownership due to high student debt.

The policy updates remove the current requirement that lenders calculate a borrower’s student loan monthly…


Thanks, but where’s the check? Meet Negro League baseball legend, W. James Cobbin, for his reaction.

1969 — MLB’s First Attempt at Fairness

At this point, we have been down this road a few times. Fifty-two years ago, in 1969, an opportunity came up to retroactively award Negro League players Major League status. However, at that time, Major League Baseball (MLB) rejected the idea.

2004 —…


Isabel Wilkerson’s book, Caste, offers excellent commentary on the engine behind America’s cruel method of assigning and categorizing human value

It is widely known that race is a social construct that has no basis in science or theology. In fact, no education is needed to understand that it is cruel to deem any human as somehow less worthy. But, even without logic, validity, or any measure of truthfulness, race has…


I am a fan of the Christmas classics, especially from the Temptations, the Whispers, Nat King Cole, and others. I also enjoy old tunes reimagined as hip new grooves by singers such as Chris Brown, Mariah Carey, Fantasia, and Christina Aguilera. …


I was a young college cheerleader when I discovered that race was actually a social construct and that it had no genetic, biological, or scientific foundation. This was a startling discovery. …


WASHINGTON, DC — The Congressional Black Caucus (CBC) issued an emergency call-to-action convening to implore Black leadership to mobilize their organizations and communities around two critical action items that must be executed with purpose and precision.

Over the next few months, the CBC is asking black people and those who…


Earlier this month, Dartmouth College announced that it has settled a contentious federal lawsuit with nine women who sued the school over sexual misconduct allegations for more than $14 million. In their lawsuit, the women, who were Ph.D. candidates, as well as graduates and undergraduates, alleged that professors William Kelley…

Kenadie Cobbin Richardson

Community Organizer, Communications/Media Specialist, Radio Personality. #cheerleaderforchange

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