Why is a 15-year fixed-rate mortgage better than a 30-year?

Question: Why is a 15-year fixed-rate mortgage better than a 30-year?

The black consciousness philosophy was a movement that emerged in South Africa in the late 1960s and early 1970s. It aimed to empower black people by rejecting the racial oppression and discrimination imposed by the apartheid regime. The philosophy advocated for self-reliance, cultural pride, and political resistance among black communities. However, some critics have argued that the black consciousness philosophy failed to achieve its goals and had some negative consequences. Some of the reasons for its failure are:

- It was too idealistic and did not address the material realities and needs of the majority of black people who suffered from poverty, unemployment, and lack of education.

- It was too divisive and alienated potential allies from other racial groups who also opposed apartheid and supported human rights.

- It was too elitist and did not represent the diversity and complexity of black experiences and identities in South Africa.

- It was too vulnerable to repression and violence from the state and its security forces, which resulted in the imprisonment, torture, and death of many of its leaders and activists.

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