First time I was in my backyard and he asked to borrow money over the fence, saying he'll pay me back when he gets "paid" ie from his disability or welfare check. Second time he rang my doorbell straight up begging. Both times I said no of course. It's invasion of privacy and solicitation. If he asks me one more time I am going to escalate. What should I do or say to be most effective?
I am sure his nigger logic thinks I am a racist by now for not giving him money. I do not give any panhandler money because it enables their freeloader behavior.