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Compound Interest
"Compound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn’t, pays it." -Albert Einstein
When Peter turned 21, he started investing $200 a month every year for nine years. At age 30, he stopped investing.
Peter's friend John started a little later, investing $200 a month every month starting at age 30 until he turned 67.
So at age 67, who had more money in their account?
At the end of nine years, Peter invested $21,600 and ended up with more than $2.5 million.
Peter's friend John invested $91,200 over the course of 37 years. At age 67, he had built up $1.4 million, but he never caught up with Peter.
The effect that time had on Peter's investments gave him an advantage.
That’s the power of compound interest.
Now, let's apply this analogy to Blacks. For many years, I've heard many people say that slavery happened a long time ago and ended a long time ago. That over 50 years ago, the United States enacted laws protecting the civil rights of Blacks.
After all these decades, as I was recently told, giving preference to Blacks is reverse-racism.
Let us examine this from a broader perspective. For 246 years, Americans enslaved Blacks. Slavery has been illegal for 155 years since the 13th Amendment passed in 1865.
For 345 years, Americans legally discriminated against blacks. Fifty-five years ago, the United States passed the Civil Rights Act in 1964, making discrimination illegal and protecting the civil rights of Blacks.
White Americans began investing in their families and culture for decades and centuries before Black Americans were allowed to begin investing. Even then, however, Blacks received a lower rate of return.
Through redlining – steering Blacks to certain neighborhoods, separate from whites – banks and realtors kept property levels lower which deprived Blacks of the opportunity to build asset wealth, thus keeping them in poverty. This practice continued through the 2010's.
Admission offices give preference to children of alumni. Because alumni are rarely Black, Black children face a disadvantage in entering the universities that generate America's ruling class and powerbrokers.
These are just two examples of many more including policing, salaries and wages, voting, abortion practices, and sentencing laws.
Whites had a head start investing in their future. Centuries later, Blacks were in a position to invest but at a lower interest rate. It's no wonder that whites are better off than Blacks.
Conversely, when you ask whether it's time for Blacks to stop expecting Government and institutions to make reparations for practices that occurred eons ago, and though you acknowledge the existence of episodic racism but deny the existence of systemic racism, think back to my early example of compound interest and consider the compounded effects that decades and decades and decades of segregation, discrimination and humiliation that Blacks have endured.
That’s the power of compound injustice.
"Even in the developed world, the effects of unjust structures and actions are all too apparent. Our efforts must aim at restoring hope, righting wrongs, maintaining commitments, and thus promoting the well-being of individuals and of peoples." –Pope Francis
47th Annual Neil Kelly Memorial Virtual Auction
Benefitting the St Andrew Community Center
Main Event: Oct 24th 5:30 PM to 7:00 PM

You can help! Do you own a business? Are you a partner in a firm? Does your employer have a charitable giving plan? If yes to any of these, your place of employment could sponsor our event and support the work of the Community Center.

Contact Lisa Hatten  (503) 880-0116

Pope Francis: Conversion of humanity necessary to heal the earth

Pope Francis receives a group of ecological experts collaborating with the Bishops Conference of France on the themes of “Laudato Si’” telling them it is only by healing the human heart that the world can be healed from its social and environmental unrest.
by Vatican News
The problems are big and urgent. But hope remains if we act in honesty and love.  “Humanity still has the ability to work together in building our common home . . . Truly, much can be done!”

Alpenglow over  Bubbs Creek - photo by Ian Vorster

Introducing EarthBeat's 'Lens on Creation'
series for the Season of Creation 2020

Today begins the Season of Creation. What is the Season of Creation? Click Here

Lens on Creation  "There is no way to separate caring for the planet from caring for the health and dignity of individual persons and families," photographer and journalist Paul Jeffrey writes in today's opening reflection.

For the full series click HERE.

Care for creation intersects with racial justice and the health of the soil, water and air. This work looks unique in different parts of the state based on the people who live there, ways the land has been used, and species and landscape elements present in each region. We will learn about some of Oregon's environmental justice concerns and the organizations working on them through a series of six webinars this summer. Mark your calendars for the following events:
Sept. 2, 7-8:30 p.m.: Eloheh Center for Earth Justice's Randy Woodley (learn more | register)
Sept. 16, 7-8:30 p.m.: to be announced (register)
Sept. 30, 7-8:30 p.m.: EcoFaith Recovery: Just Vote, Personal Stories for Community Action (register)

Watch previous webinars:
July 23, Webinar 1: Portland Harbor Community Coalition
Aug. 17, Webinar 2: Verde
Aug. 19: Webinar 3: Rogue Climate

2020 Zahm Lecture

From the Big Bang to The Saint John's Bible: The Role of Astonishment in a Scientist’s Journey to Integrate Faith and Reason

Dr. Gintaras Duda, Catholic cosmologist and Chair of Physics at Creighton University, asks: how can we reconcile science with belief in a personal Christian God? Astonishment and wonder offer one route for this fundamental reconciliation. Dr. Duda will stress the fundamental need for theological and philosophical perspectives on some of the biggest questions in cosmology today. Free live Zoom webinar, Wednesday, September 16 at 5pm. For information on connecting to the webinar, visit or email
To see previous Newsletters click HERE.
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