Silicon Valley Bank Bailout | Tech News of the Week
When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency
How to Navigate Bills Right Now, From Student Loans to Phone Plans
Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress
10 Years After Housing Crash, Families Finally Make It on 'Dream Street'
Despite New Law, California Lags In Personal Finance Education
San Francisco Seeks Police Body-Camera Vendor, Continues Crafting Policy
Inmate With Stock Tips Wants to Be San Quentin's Warren Buffett
Calif. Joins Lawsuits Against Standard & Poor's Over Mortgage Crisis
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He also helped establish the first newsroom at \u003ca href=\"http://kut.org/\">KUT\u003c/a> in Austin, Texas where he was a general assignment reporter.\r\n\r\nSteven has received numerous awards for his reporting including an RTNDA Edward R. Murrow Award for investigative reporting in addition to awards from the LA Press Club, the Associated Press and the Society for Professional Journalists.\r\n\r\nSteven grew up in and around San Francisco and now lives in Pasadena just a short jog from the foot of the San Gabriel Mountains.","avatar":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g","twitter":null,"facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["subscriber"]},{"site":"stateofhealth","roles":["author"]}],"headData":{"title":"Steven Cuevas | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/bbb0bb7b496f83ab350e23ad0dc7c81c?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/scuevas"},"aemslie":{"type":"authors","id":"3206","meta":{"index":"authors_1591205172","id":"3206","found":true},"name":"Alex Emslie","firstName":"Alex","lastName":"Emslie","slug":"aemslie","email":"aemslie@kqed.org","display_author_email":true,"staff_mastheads":["news"],"title":"KQED Senior Editor","bio":"Alex Emslie is senior editor of talent and development at KQED, where he manages dozens of early career journalists and oversees news department internships.\r\n\r\nHe is a former carpenter and proud graduate of City College of San Francisco and San Francisco State University, where he studied journalism and criminal justice before joining KQED in 2013.\r\n\r\nAlex produced investigative journalism focused on \u003ca href=\"https://www.kqed.org/news/11667594/the-trials-of-marvin-mutch-video\">criminal justice\u003c/a> and policing for most of a decade. He has broken major stories about \u003ca href=\"https://www.kqed.org/news/135682/amid-a-series-of-vallejo-police-shootings-one-officers-name-stands-out\">police use of deadly force\u003c/a>, \u003ca href=\"https://www.kqed.org/news/10454955/racist-texts-prompt-sfpd-internal-investigation\">officer misconduct\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11712239/terrorist-or-troll-judge-to-weigh-whether-oakland-man-really-intended-to-attack-bay-area\">other\u003c/a> \u003ca href=\"https://www.kqed.org/news/11221414/hayward-paid-159000-to-husband-of-retired-police-chief-documents-show\">high\u003c/a>-\u003ca href=\"https://www.kqed.org/news/10622762/the-forgotten-tracking-two-homicides-in-san-francisco-public-housing\">profile\u003c/a> \u003ca href=\"https://www.kqed.org/news/11624516/federal-agency-promoted-ranger-just-months-after-his-gun-was-stolen-and-used-in-steinle-killing\">cases\u003c/a>. He co-founded the \u003ca href=\"https://projects.scpr.org/california-reporting-project/\">California Reporting Project\u003c/a> in 2019 to obtain and report on previously confidential police internal investigations. The effort produced well over 100 original stories and changed the course of multiple criminal cases.\r\n\r\nHis work has been recognized with numerous journalism awards, including a national Edward R. Murrow award for several years of \u003ca href=\"https://www.kqed.org/news/11688481/sfpd-officers-in-mario-woods-case-recount-shooting-in-newly-filed-depositions\">reporting\u003c/a> on the San Francisco Police shooting of Mario Woods. 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Previously, she was a KQED Raul Ramirez Diversity Fund intern where she developed stories that focused on highlighting diverse voices in journalism. Prior to her work at KQED, she worked as a news intern at the San Francisco Examiner. Audrey graduated from San Francisco State University with a B.A. in journalism and a minor in political science.","avatar":"https://secure.gravatar.com/avatar/5211bc2e6a809b9956da169e35ce63d5?s=600&d=blank&r=g","twitter":"audgar","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["editor"]},{"site":"news","roles":["subscriber"]},{"site":"science","roles":["editor"]},{"site":"forum","roles":["editor"]},{"site":"perspectives","roles":["administrator"]}],"headData":{"title":"Audrey Garces | KQED","description":"Digital Producer","ogImgSrc":"https://secure.gravatar.com/avatar/5211bc2e6a809b9956da169e35ce63d5?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/5211bc2e6a809b9956da169e35ce63d5?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/agarces"},"abandlamudi":{"type":"authors","id":"11672","meta":{"index":"authors_1591205172","id":"11672","found":true},"name":"Adhiti Bandlamudi","firstName":"Adhiti","lastName":"Bandlamudi","slug":"abandlamudi","email":"abandlamudi@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Housing Reporter","bio":"Adhiti Bandlamudi reports for KQED's Housing desk. She focuses on how housing gets built across the Bay Area. Before joining KQED in 2020, she reported for WUNC in Durham, North Carolina, WABE in Atlanta, Georgia and Capital Public Radio in Sacramento. In 2017, she was awarded a Kroc Fellowship at NPR where she reported on everything from sprinkles to the Golden State Killer's arrest. When she's not reporting, she's baking new recipes in her kitchen or watching movies with friends and family. She's originally from Georgia and has strong opinions about Great British Bake Off.","avatar":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twitter":"oddity_adhiti","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["author"]},{"site":"news","roles":["editor"]}],"headData":{"title":"Adhiti Bandlamudi | KQED","description":"KQED Housing Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/abandlamudi"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal Justice","link":"/criminaljustice"},{"name":"Silicon Valley","link":"/siliconvalley"},{"name":"Forum","link":"/forum"},{"name":"The California Report","link":"/californiareport"}]},{"key":"menu2","items":[{"name":"Arts & Culture","link":"/arts","type":"title"},{"name":"Critics’ Picks","link":"/thedolist"},{"name":"Cultural Commentary","link":"/artscommentary"},{"name":"Food & Drink","link":"/food"},{"name":"Bay Area Hip-Hop","link":"/bayareahiphop"},{"name":"Rebel Girls","link":"/rebelgirls"},{"name":"Arts Video","link":"/artsvideos"}]},{"key":"menu3","items":[{"name":"Podcasts","link":"/podcasts","type":"title"},{"name":"Bay Curious","link":"/podcasts/baycurious"},{"name":"Rightnowish","link":"/podcasts/rightnowish"},{"name":"The Bay","link":"/podcasts/thebay"},{"name":"On Our Watch","link":"/podcasts/onourwatch"},{"name":"Mindshift","link":"/podcasts/mindshift"},{"name":"Consider This","link":"/podcasts/considerthis"},{"name":"Political Breakdown","link":"/podcasts/politicalbreakdown"}]},{"key":"menu4","items":[{"name":"Live Radio","link":"/radio","type":"title"},{"name":"TV","link":"/tv","type":"title"},{"name":"Events","link":"/events","type":"title"},{"name":"For Educators","link":"/education","type":"title"},{"name":"Support KQED","link":"/support","type":"title"},{"name":"About","link":"/about","type":"title"},{"name":"Help Center","link":"https://kqed-helpcenter.kqed.org/s","type":"title"}]}]},"pagesReducer":{},"postsReducer":{"stream_live":{"type":"live","id":"stream_live","audioUrl":"https://streams.kqed.org/kqedradio","title":"Live Stream","excerpt":"Live Stream information currently unavailable.","link":"/radio","featImg":"","label":{"name":"KQED Live","link":"/"}},"stream_kqedNewscast":{"type":"posts","id":"stream_kqedNewscast","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/newscast.mp3?_=1","title":"KQED Newscast","featImg":"","label":{"name":"88.5 FM","link":"/"}},"news_11943962":{"type":"posts","id":"news_11943962","meta":{"index":"posts_1591205157","site":"news","id":"11943962","score":null,"sort":[1679091805000]},"guestAuthors":[],"slug":"silicon-valley-bank-bailout-tech-news-of-the-week","title":"Silicon Valley Bank Bailout | Tech News of the Week","publishDate":1679091805,"format":"video","headTitle":"KQED Newsroom | KQED News","labelTerm":{"term":7052,"site":"news"},"content":"\u003cp>\u003cb>Silicon Valley Bank Bailout\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Silicon Valley Bank and Tech News\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">We take an extended look at the banking turmoil, stock market dip and economic uncertainty that lies ahead with MarketWatch's Reporter Levi Sumagaysay and Bureau Chief Jeremy Owens.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Something Beautiful: San Francisco SPCA\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week's look at Something Beautiful is the SF SPCA. The organization is the largest shelter in the Bay Area and the first cageless animal shelter to be established in the United States. \u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1679346450,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":5,"wordCount":118},"headData":{"title":"Silicon Valley Bank Bailout | Tech News of the Week | KQED","description":"Silicon Valley Bank Bailout In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley. Silicon Valley Bank and Tech News We take an extended look at the banking turmoil, stock market dip","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"videoEmbed":"https://youtu.be/Ie0vJqlDHrg","excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11943962/silicon-valley-bank-bailout-tech-news-of-the-week","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>Silicon Valley Bank Bailout\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">In the wake of the second largest bank failure in U.S. history, we discuss the federal government's intervention and the national picture with U.S. Congressmember Ro Khanna (D-Calif.), whose district includes Silicon Valley.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Silicon Valley Bank and Tech News\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">We take an extended look at the banking turmoil, stock market dip and economic uncertainty that lies ahead with MarketWatch's Reporter Levi Sumagaysay and Bureau Chief Jeremy Owens.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Something Beautiful: San Francisco SPCA\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week's look at Something Beautiful is the SF SPCA. The organization is the largest shelter in the Bay Area and the first cageless animal shelter to be established in the United States. \u003c/span>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11943962/silicon-valley-bank-bailout-tech-news-of-the-week","authors":["236"],"programs":["news_7052"],"categories":["news_31795","news_1758","news_13","news_248"],"tags":["news_32527","news_69","news_28321","news_2619","news_30424","news_353","news_6927"],"featImg":"news_11943965","label":"news_7052"},"news_11899955":{"type":"posts","id":"news_11899955","meta":{"index":"posts_1591205157","site":"news","id":"11899955","score":null,"sort":[1640284213000]},"guestAuthors":[],"slug":"when-banks-turned-their-backs-on-them-some-adult-entertainment-workers-turned-to-cryptocurrency","title":"When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency","publishDate":1640284213,"format":"standard","headTitle":"When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency | KQED","labelTerm":{"site":"news"},"content":"\u003cp>Alexandria LaRue became a sex worker in 2012, posting photos and videos on Backpage, \u003ca href=\"https://www.washingtonpost.com/news/morning-mix/wp/2017/01/10/backpage-com-shuts-down-adult-services-ads-after-relentless-pressure-from-authorities/\">a now-defunct classified advertising website that gained notoriety for its adult-themed content\u003c/a>.\u003c/p>\n\u003cp>Almost immediately after LaRue — who uses the pronoun “they” — started doing this work, Bank of America closed their account and seized the more than $2,000 that was in it. Bank of America and other large banks \u003ca href=\"https://www.bankofamerica.com/deposits/deposit-holds-faqs/\">are allowed to freeze deposits or entire accounts\u003c/a> if they believe fraud or suspicious activity is occurring.\u003c/p>\n\u003cp>“It feels like nothing is a safe space or a safe place, especially when it comes to finances,” LaRue, who posted pornographic videos online, said. “Even though \u003ca href=\"https://www.law.cornell.edu/wex/pornography#\">the work I do is 1,000 percent legal\u003c/a>, it doesn’t mean they won’t shut down my account or they won’t take my money away.”\u003c/p>\n\u003cp>Backpage started processing payments in cryptocurrency soon after \u003ca href=\"https://www.buzzfeednews.com/article/matthewzeitlin/backpagecom-cut-off-from-credit-card-networks\">Visa and Mastercard cut off ties with the website in 2015\u003c/a> as allegations grew that it was complicit in sex trafficking. Finally in 2018, \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-leads-effort-seize-backpagecom-internet-s-leading-forum-prostitution-ads\">the Department of Justice seized the website and shut it down for “facilitating prostitution.”\u003c/a>\u003c/p>\n\u003ch3>The limits of traditional banking\u003c/h3>\n\u003cp>A few days after the end of Backpage, Congress \u003ca href=\"https://www.govinfo.gov/content/pkg/PLAW-115publ164/pdf/PLAW-115publ164.pdf\">passed a series of bills into law aimed at curbing sex trafficking.\u003c/a>\u003c/p>\n\u003cp>The laws, known as the Allow States and Victims To Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA), attempted to shut down websites that facilitated sex trafficking online by increasing liability for third-party platforms — like Pornhub, RedTube and others — if they hosted content which played any role in facilitating sex trafficking or other illegal activities.\u003c/p>\n\u003cp>[aside postID=\"arts_13897823\" hero=\"https://ww2.kqed.org/app/uploads/sites/2/2021/06/nft-artists-composite.jpg\"]Sex workers and advocates for the industry warned that, while the laws were well-intentioned and addressed an important problem, the laws were too vaguely written and could harm sex workers and porn performers conducting their business legally.\u003c/p>\n\u003cp>Sure enough, in the years that followed, \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">banks like JP Morgan Chase and Bank of America cracked down on sex workers\u003c/a> using their financial services and shut down many accounts, for fear of being perceived to be complicit by federal regulators.\u003c/p>\n\u003cp>“Folks had their accounts closed by either banks or fintech companies that also frequently froze the money they had in those accounts, and they had difficulties getting that back,” said Spencer Watson, Executive Director of the Center for LGBTQ Economic Advancement and Research (CLEAR), a Bay-Area based advocacy group. “Some were completely unable to get that back or some had to wait weeks or more in order to have the check from the proceeds of their bank account delivered to them.”\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Alexandria LaRue, Sex worker\"]‘Even though the work I do is 1,000 percent legal, it doesn’t mean [banks] won’t shut down my account or they won’t take my money away.’[/pullquote]In 2019, the Sex Workers Outreach Project’s (SWOP) Sacramento branch and non-profit Reframe Health + Justice \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">conducted a national survey of more than 60 sex workers and their experiences with traditional banking systems\u003c/a>. Almost half of the respondents said they had their accounts closed or denied by national banks and almost a third were told their account had been closed for a violation of the company’s terms and conditions of service.\u003c/p>\n\u003cp>“These companies have a strong profit motive and they’re also risk-averse,” Watson said. “And so the risk of dealing with individuals who work in sex work or in adult professions and businesses is a really strong deterrent for them to actually provide service.”\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003ch3>“This is the future, this is where stuff is going to go”\u003c/h3>\n\u003cp>LaRue, also a Chapter Director for SWOP, felt like cryptocurrency was the only way to secure their financial future.\u003c/p>\n\u003cp>“I just integrated it into part of my life because I knew this is the future, this is where stuff is going to go,” they said. “There was information about it online, of course, and I spent a lot of time on Reddit trying to educate myself on what it is, how it works.”\u003c/p>\n\u003cp>Cryptocurrency-focused entrepreneurs saw an underserved market in the adult entertainment industry. Startups have popped up with snappy names like CumRocket, TitCoin and Model-X. Until federal regulators start to write laws that take into account cryptocurrency, these companies can operate outside the rules traditional banks must follow.\u003c/p>\n\u003cp>[aside postID=\"news_11860999\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Protest_1-1-1020x573.png\"]When banks like JP Morgan Chase and Bank of America do provide service to adult entertainment websites, they often \u003ca href=\"https://www.ft.com/content/a6b5f2ca-daeb-483f-8004-d8189d99ded3\">charge high rates, because of a high frequency of “chargebacks,”\u003c/a> when a customer disputes a charge on their account statement and claims the charge was made fraudulently.\u003c/p>\n\u003cp>Cryptocurrency, on the other hand, is immutable, so it can’t be disputed or taken back. Once a payment is made, it’s accounted for on the distributed ledger and is set in stone. Adult entertainment sites that accept cryptocurrency, instead of payment from traditional banks, don’t have to pay high fees from those cryptocurrency platforms and therefore don’t pass along the cost to the performers who post their content on their sites.\u003c/p>\n\u003cp>LaRue was one of the early adopters of SpankChain, a website on which adult entertainers can post explicit pictures and videos and get paid for their work in cryptocurrency. The company launched BOOTY ERC20, which has a lower volatility in value than a cryptocurrency coin like Bitcoin or Ether. It also recently launched Spank Pop Shots, where customers can buy one-of-a-kind digital, erotic pictures of models and performers called nonfungible tokens (NFTs).\u003c/p>\n\u003cp>But cryptocurrency still remains a mystery to many porn performers looking for alternative banking solutions.\u003c/p>\n\u003cp>Sage the Flame, a performer based in Atlanta, started out in adult entertainment by posting erotic pictures on Snapchat. She handled money through PayPal, but the company eventually flagged her account for suspicious activity.\u003c/p>\n\u003cp>[aside postID=\"arts_13901451\" hero=\"https://ww2.kqed.org/app/uploads/sites/2/2021/08/022_SanFrancisco_TransgenderDistrictStaff_07292021-1020x680.jpg\"]“I guess my account got flagged just because of the small frequent payments that were happening on my account,” Sage said. “And they were just like, this is against our terms of service. You’re banned for life.”\u003c/p>\n\u003cp>The company held almost $2,000 in her account for six months. Sage had to ask family members for help to cover bills and rent payments. After getting her money back, Sage decided to turn to OnlyFans to post content. She found it easy to use and was pleased to see a specialized payment platform built into the website.\u003c/p>\n\u003cp>“It definitely made the whole process of keeping fans engaged, selling them content, interacting with them — it definitely made that process a lot easier and a lot more streamlined,” Sage said.\u003c/p>\n\u003cp>When the pandemic hit, Sage’s popularity on OnlyFans skyrocketed and she was able to make a steady income from her channel. But then in August, OnlyFans announced it would have to start banning sexually explicit content because of pressure from credit card companies and banks.\u003c/p>\n\u003cp>https://twitter.com/OnlyFans/status/1429117407340240902?s=20\u003c/p>\n\u003cp>Sage started looking for other websites she could post her content to. The company reversed its decision six days later, but Sage and other performers no longer trusted the platform.\u003c/p>\n\u003cp>“It feels like the rug has been pulled up under us,” she said. “Why are we so disposable as a community? Why are we being discarded like this?”\u003c/p>\n\u003cp>Now Sage is working to diversify her platforms and post content to other sites. She asks customers to pay her on other financial platforms and keep the memo tab blank so her account doesn’t get flagged. But she’s not ready to switch to crypto.\u003c/p>\n\u003cp>“Unfortunately, cryptocurrency is not a convenient payment that everyone is accepting or everyone knows how to use,” she said.\u003c/p>\n\u003ch3>\u003cstrong>“Crypto is \u003cem>a\u003c/em> solution, not \u003cem>the\u003c/em> solution” \u003c/strong>\u003c/h3>\n\u003cp>Allie Knox, a fetish and porn performer, was one of the first performers to accept cryptocurrency payments exclusively and is one of the loudest voices in the sex work cryptocurrency space. She started shooting porn in 2014 and almost immediately got shut out from payment apps including PayPal, Square, Cash App and Stripe.\u003c/p>\n\u003cp>Left with no other choice, Knox started using cryptocurrency. She signed up with Coinbase, one of the largest crypto exchange platforms, and quickly became an expert in how to invest in the crypto market.\u003c/p>\n\u003cp>[aside label ='Related Stories' tag='technology']Knox believed in cryptocurrency’s promise to provide financial services to everyone, regardless of their profession, but that belief shattered when CoinBase blocked her account in 2016 for “suspicious activity.” CoinBase has since \u003ca href=\"https://www.coinbase.com/legal/user_agreement/united_states#appendix-1-prohibited-use-prohibited-businesses-and-conditional-use\">prohibited the use of accounts connected with adult content and services\u003c/a>, even though the production and distribution of pornography is legal.\u003c/p>\n\u003cp>“Technology is never going to solve these social issues and that’s really what this is,” she said.\u003c/p>\n\u003cp>She helped launch SpankChain and now serves as an advisor to the company. But Knox says there are real challenges with using cryptocurrency and getting an entire industry to come on board. She says it’s difficult to use and not as accessible as it promises to be.\u003c/p>\n\u003cp>“I have lost a lot of money in addition to making a lot of money. Crypto is a solution, not the solution,” Knox said.\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Ever since Congress passed a series of laws in 2018, it's been difficult for adult entertainment and sex workers to find platforms that will provide them with financial services. But cryptocurrencies are stepping in to fill that gap.","status":"publish","parent":0,"modified":1690402271,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":34,"wordCount":1648},"headData":{"title":"When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency | KQED","description":"Ever since Congress passed a series of laws in 2018, it's been difficult for adult entertainment and sex workers to find platforms that will provide them with financial services. But cryptocurrencies are stepping in to fill that gap.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/0d6a6301-b722-4564-85b4-adfe0137e44e/audio.mp3","excludeFromSiteSearch":"Include","path":"/news/11899955/when-banks-turned-their-backs-on-them-some-adult-entertainment-workers-turned-to-cryptocurrency","audioDuration":209000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Alexandria LaRue became a sex worker in 2012, posting photos and videos on Backpage, \u003ca href=\"https://www.washingtonpost.com/news/morning-mix/wp/2017/01/10/backpage-com-shuts-down-adult-services-ads-after-relentless-pressure-from-authorities/\">a now-defunct classified advertising website that gained notoriety for its adult-themed content\u003c/a>.\u003c/p>\n\u003cp>Almost immediately after LaRue — who uses the pronoun “they” — started doing this work, Bank of America closed their account and seized the more than $2,000 that was in it. Bank of America and other large banks \u003ca href=\"https://www.bankofamerica.com/deposits/deposit-holds-faqs/\">are allowed to freeze deposits or entire accounts\u003c/a> if they believe fraud or suspicious activity is occurring.\u003c/p>\n\u003cp>“It feels like nothing is a safe space or a safe place, especially when it comes to finances,” LaRue, who posted pornographic videos online, said. “Even though \u003ca href=\"https://www.law.cornell.edu/wex/pornography#\">the work I do is 1,000 percent legal\u003c/a>, it doesn’t mean they won’t shut down my account or they won’t take my money away.”\u003c/p>\n\u003cp>Backpage started processing payments in cryptocurrency soon after \u003ca href=\"https://www.buzzfeednews.com/article/matthewzeitlin/backpagecom-cut-off-from-credit-card-networks\">Visa and Mastercard cut off ties with the website in 2015\u003c/a> as allegations grew that it was complicit in sex trafficking. Finally in 2018, \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-leads-effort-seize-backpagecom-internet-s-leading-forum-prostitution-ads\">the Department of Justice seized the website and shut it down for “facilitating prostitution.”\u003c/a>\u003c/p>\n\u003ch3>The limits of traditional banking\u003c/h3>\n\u003cp>A few days after the end of Backpage, Congress \u003ca href=\"https://www.govinfo.gov/content/pkg/PLAW-115publ164/pdf/PLAW-115publ164.pdf\">passed a series of bills into law aimed at curbing sex trafficking.\u003c/a>\u003c/p>\n\u003cp>The laws, known as the Allow States and Victims To Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA), attempted to shut down websites that facilitated sex trafficking online by increasing liability for third-party platforms — like Pornhub, RedTube and others — if they hosted content which played any role in facilitating sex trafficking or other illegal activities.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"arts_13897823","hero":"https://ww2.kqed.org/app/uploads/sites/2/2021/06/nft-artists-composite.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Sex workers and advocates for the industry warned that, while the laws were well-intentioned and addressed an important problem, the laws were too vaguely written and could harm sex workers and porn performers conducting their business legally.\u003c/p>\n\u003cp>Sure enough, in the years that followed, \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">banks like JP Morgan Chase and Bank of America cracked down on sex workers\u003c/a> using their financial services and shut down many accounts, for fear of being perceived to be complicit by federal regulators.\u003c/p>\n\u003cp>“Folks had their accounts closed by either banks or fintech companies that also frequently froze the money they had in those accounts, and they had difficulties getting that back,” said Spencer Watson, Executive Director of the Center for LGBTQ Economic Advancement and Research (CLEAR), a Bay-Area based advocacy group. “Some were completely unable to get that back or some had to wait weeks or more in order to have the check from the proceeds of their bank account delivered to them.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘Even though the work I do is 1,000 percent legal, it doesn’t mean [banks] won’t shut down my account or they won’t take my money away.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Alexandria LaRue, Sex worker","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>In 2019, the Sex Workers Outreach Project’s (SWOP) Sacramento branch and non-profit Reframe Health + Justice \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">conducted a national survey of more than 60 sex workers and their experiences with traditional banking systems\u003c/a>. Almost half of the respondents said they had their accounts closed or denied by national banks and almost a third were told their account had been closed for a violation of the company’s terms and conditions of service.\u003c/p>\n\u003cp>“These companies have a strong profit motive and they’re also risk-averse,” Watson said. “And so the risk of dealing with individuals who work in sex work or in adult professions and businesses is a really strong deterrent for them to actually provide service.”\u003cbr>\n\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>“This is the future, this is where stuff is going to go”\u003c/h3>\n\u003cp>LaRue, also a Chapter Director for SWOP, felt like cryptocurrency was the only way to secure their financial future.\u003c/p>\n\u003cp>“I just integrated it into part of my life because I knew this is the future, this is where stuff is going to go,” they said. “There was information about it online, of course, and I spent a lot of time on Reddit trying to educate myself on what it is, how it works.”\u003c/p>\n\u003cp>Cryptocurrency-focused entrepreneurs saw an underserved market in the adult entertainment industry. Startups have popped up with snappy names like CumRocket, TitCoin and Model-X. Until federal regulators start to write laws that take into account cryptocurrency, these companies can operate outside the rules traditional banks must follow.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11860999","hero":"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Protest_1-1-1020x573.png","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>When banks like JP Morgan Chase and Bank of America do provide service to adult entertainment websites, they often \u003ca href=\"https://www.ft.com/content/a6b5f2ca-daeb-483f-8004-d8189d99ded3\">charge high rates, because of a high frequency of “chargebacks,”\u003c/a> when a customer disputes a charge on their account statement and claims the charge was made fraudulently.\u003c/p>\n\u003cp>Cryptocurrency, on the other hand, is immutable, so it can’t be disputed or taken back. Once a payment is made, it’s accounted for on the distributed ledger and is set in stone. Adult entertainment sites that accept cryptocurrency, instead of payment from traditional banks, don’t have to pay high fees from those cryptocurrency platforms and therefore don’t pass along the cost to the performers who post their content on their sites.\u003c/p>\n\u003cp>LaRue was one of the early adopters of SpankChain, a website on which adult entertainers can post explicit pictures and videos and get paid for their work in cryptocurrency. The company launched BOOTY ERC20, which has a lower volatility in value than a cryptocurrency coin like Bitcoin or Ether. It also recently launched Spank Pop Shots, where customers can buy one-of-a-kind digital, erotic pictures of models and performers called nonfungible tokens (NFTs).\u003c/p>\n\u003cp>But cryptocurrency still remains a mystery to many porn performers looking for alternative banking solutions.\u003c/p>\n\u003cp>Sage the Flame, a performer based in Atlanta, started out in adult entertainment by posting erotic pictures on Snapchat. She handled money through PayPal, but the company eventually flagged her account for suspicious activity.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"arts_13901451","hero":"https://ww2.kqed.org/app/uploads/sites/2/2021/08/022_SanFrancisco_TransgenderDistrictStaff_07292021-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“I guess my account got flagged just because of the small frequent payments that were happening on my account,” Sage said. “And they were just like, this is against our terms of service. You’re banned for life.”\u003c/p>\n\u003cp>The company held almost $2,000 in her account for six months. Sage had to ask family members for help to cover bills and rent payments. After getting her money back, Sage decided to turn to OnlyFans to post content. She found it easy to use and was pleased to see a specialized payment platform built into the website.\u003c/p>\n\u003cp>“It definitely made the whole process of keeping fans engaged, selling them content, interacting with them — it definitely made that process a lot easier and a lot more streamlined,” Sage said.\u003c/p>\n\u003cp>When the pandemic hit, Sage’s popularity on OnlyFans skyrocketed and she was able to make a steady income from her channel. But then in August, OnlyFans announced it would have to start banning sexually explicit content because of pressure from credit card companies and banks.\u003c/p>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"singleTwitterStatus","attributes":{"named":{"id":"1429117407340240902"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Sage started looking for other websites she could post her content to. The company reversed its decision six days later, but Sage and other performers no longer trusted the platform.\u003c/p>\n\u003cp>“It feels like the rug has been pulled up under us,” she said. “Why are we so disposable as a community? Why are we being discarded like this?”\u003c/p>\n\u003cp>Now Sage is working to diversify her platforms and post content to other sites. She asks customers to pay her on other financial platforms and keep the memo tab blank so her account doesn’t get flagged. But she’s not ready to switch to crypto.\u003c/p>\n\u003cp>“Unfortunately, cryptocurrency is not a convenient payment that everyone is accepting or everyone knows how to use,” she said.\u003c/p>\n\u003ch3>\u003cstrong>“Crypto is \u003cem>a\u003c/em> solution, not \u003cem>the\u003c/em> solution” \u003c/strong>\u003c/h3>\n\u003cp>Allie Knox, a fetish and porn performer, was one of the first performers to accept cryptocurrency payments exclusively and is one of the loudest voices in the sex work cryptocurrency space. She started shooting porn in 2014 and almost immediately got shut out from payment apps including PayPal, Square, Cash App and Stripe.\u003c/p>\n\u003cp>Left with no other choice, Knox started using cryptocurrency. She signed up with Coinbase, one of the largest crypto exchange platforms, and quickly became an expert in how to invest in the crypto market.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related Stories ","tag":"technology"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Knox believed in cryptocurrency’s promise to provide financial services to everyone, regardless of their profession, but that belief shattered when CoinBase blocked her account in 2016 for “suspicious activity.” CoinBase has since \u003ca href=\"https://www.coinbase.com/legal/user_agreement/united_states#appendix-1-prohibited-use-prohibited-businesses-and-conditional-use\">prohibited the use of accounts connected with adult content and services\u003c/a>, even though the production and distribution of pornography is legal.\u003c/p>\n\u003cp>“Technology is never going to solve these social issues and that’s really what this is,” she said.\u003c/p>\n\u003cp>She helped launch SpankChain and now serves as an advisor to the company. But Knox says there are real challenges with using cryptocurrency and getting an entire industry to come on board. She says it’s difficult to use and not as accessible as it promises to be.\u003c/p>\n\u003cp>“I have lost a lot of money in addition to making a lot of money. Crypto is a solution, not the solution,” Knox said.\u003cbr>\n\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11899955/when-banks-turned-their-backs-on-them-some-adult-entertainment-workers-turned-to-cryptocurrency","authors":["11672"],"categories":["news_8"],"tags":["news_30421","news_1905","news_21368","news_22758","news_22757","news_29720","news_27626","news_2619","news_30424","news_5568","news_17827","news_30423","news_20502","news_23210","news_353","news_30422","news_17623","news_1631"],"featImg":"news_11900172","label":"news"},"news_11812172":{"type":"posts","id":"news_11812172","meta":{"index":"posts_1591205157","site":"news","id":"11812172","score":null,"sort":[1586959258000]},"guestAuthors":[],"slug":"how-to-navigate-bills-right-now-from-student-loans-to-phone-plans","title":"How to Navigate Bills Right Now, From Student Loans to Phone Plans","publishDate":1586959258,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>When officials began issuing local and statewide \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\">shelter-in-place orders \u003c/a>in March to stem the spread of the coronavirus, scores of businesses across the country were forced to shutter, leaving \u003ca href=\"https://www.npr.org/sections/coronavirus-live-updates/2020/04/09/830216099/6-6-million-more-file-for-unemployment-as-coronavirus-keeps-economy-shut\">a historic number\u003c/a> of Americans unemployed and grappling with overwhelming financial loss.\u003c/p>\n\u003cp>To help soften the blow, Congress passed the \u003ca href=\"https://www.npr.org/2020/03/26/821457551/whats-inside-the-senate-s-2-trillion-coronavirus-aid-package\">CARES Act\u003c/a>, a massive $2.2 trillion stimulus package. Among many other things, the bill includes one-time payments of up to $1,200 per person for millions of Americans with adjusted gross incomes of up to $75,000, plus $500 for each qualifying child. On April 11, the Internal Revenue Service \u003ca href=\"https://twitter.com/IRSnews/status/1249062356077944832?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1249062356077944832&ref_url=about%3Asrcdoc\">announced\u003c/a> it had issued the first set of checks.\u003c/p>\n\u003cp>But $1,200 only goes so far — especially in the Bay Area — and if you find yourself still unable to pay your bills, there are other forms of financial assistance potentially available. But before contacting creditors and lenders, it's crucial to come up with a solid game plan.\u003c/p>\n\u003cp>“I think the very first step that you need to take is to sit down and look at all of your financial resources and take into account everything that you have available to survive a reduction or loss of income,” said Bruce McClary, a spokesperson for the \u003ca href=\"https://www.nfcc.org\">National Foundation for Credit Counseling\u003c/a>, a nationwide network of nonprofit financial counseling organizations.\u003c/p>\n\u003cp>McClary suggests that everyone — even those with substantial savings — implement an emergency budget and be aware of relief options. “Things are changing on this front, and there are more programs that are likely to be announced,” he said.\u003c/p>\n\u003cp>If you’re experiencing financial hardship due to the pandemic, navigating available relief options can be a downright overwhelming process. So, here’s what you need to know about paying the bills that might be on your plate:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#1\">Calling About Payment Options? Read This First\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#2\">Banks and Credit Card Lenders\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#3\">Utilities\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#4\">Phone and WiFi\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#5\">Student Loans\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#6\">Car Payments and Insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#7\">Rent, Mortgage and Property Taxes\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"1\">\u003c/a> Calling About Payment Options? Read This First\u003c/h3>\n\u003cp>Before contacting your creditors or lenders, make sure you’re prepared and know what to say in order to access the full range of payment relief options available, whether it be loan deferments and fee waivers options or payment plans and continued service guarantees.\u003c/p>\n\u003cp>[aside postID=\"news_11806938\" label=\"Guide: Filing for Unemployment\" hero=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS42106_004_KQED_EDD_UnemploymentApplication_03162020_8407-qut-1-1020x680.jpg\"]\u003c/p>\n\u003cp>“It could be a lot of phone calls, but it's very important that you start the process and that you're the one who initiates these conversations,” McClary said.\u003c/p>\n\u003cp>According to the\u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\"> Consumer Protection Finance Bureau\u003c/a>, you should have the following information in hand before contacting lenders:\u003c/p>\n\u003cul>\n\u003cli>Your financial and employment status\u003c/li>\n\u003cli>How much you can afford to pay\u003c/li>\n\u003cli>When you’re likely to be able to restart regular payments\u003c/li>\n\u003cli>Detailed information about your income, expenses and assets\u003c/li>\n\u003c/ul>\n\u003cp>“It's always best to enter into the conversation with a broader question about what programs are available for people who are experiencing financial hardships that are related to COVID- 19,\" McClary said.\u003c/p>\n\u003cp>Beginning the call with an open-ended question allows the lender or creditor the opportunity to tell you what kind of relief options are available. Explain your situation and be sure to explicitly say you’re experiencing financial hardship due to the coronavirus. Some lenders may have certain processes already in place for borrowers who are impacted by the crisis, but not necessarily for those experiencing unrelated financial hardship.\u003c/p>\n\u003cp>If possible, make sure you request in writing any assistance options that are offered by your financial institution, and at the very least, take good notes.\u003c/p>\n\u003cp>It could also be beneficial to consult a financial or housing counselor before reaching out to creditors to make sure you're prepared. You can access free or low-cost financial counseling through the \u003ca href=\"https://www.nfcc.org\">NFCC\u003c/a> or the \u003ca href=\"https://fcaa.org\">Financial Counseling Association of America\u003c/a>.\u003c/p>\n\u003cp>If you've lost a significant chunk of your income, one commonly offered form of relief is known as a forbearance program. It allows you to skip one or more bill or loan payments, usually without penalties like late fees or having services turned off.\u003c/p>\n\u003cp>If forbearance isn’t an option, other programs may also be available, like reduced payment plans.\u003c/p>\n\u003cp>“If someone says 'We don't have forbearance programs,' don't hang up the phone and think that you're out of options,” said McClary. “Ask leading questions to identify what other options are available.”\u003c/p>\n\u003cp>And if you don't think you're getting the assistance you're entitled to, some experts suggest filing a complaint to federal and state consumer protection agencies (which you can do \u003ca href=\"https://www.consumerfinance.gov/complaint/\">here \u003c/a>and \u003ca href=\"https://oag.ca.gov/consumers/general/financial-services\">here\u003c/a>).\u003c/p>\n\u003cp>\"Sometimes that can make a difference,\" said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org\">California Reinvestment Coalition\u003c/a>. \"And there are people in the agency who are supposed to be looking for trends and bad actors, so maybe it's information they would act upon.”\u003c/p>\n\u003cp>Below is a list of specific relief programs available if you're struggling to pay your bills. But remember, creditors and lenders may be able to provide relief on a case-by-case basis, even if certain options aren't listed on their websites.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch3>\u003ca id=\"2\">\u003c/a>Banks and Credit Card Lenders\u003c/h3>\n\u003cp>Many banks and credit card lenders are now offering forms of assistance to help borrowers impacted by the pandemic, including options like fee waivers and forbearance. Again, when speaking to a lender, make sure you explicitly explain you are suffering financial hardship due to the coronavirus pandemic and allow them to tell you what programs are available.\u003c/p>\n\u003cp>The American Banker Association compiled a \u003ca href=\"https://www.aba.com/about-us/press-room/industry-response-coronavirus\">directory of U.S. banks\u003c/a> and what they’re doing to assist customers who are financially impacted by the crisis. Even if a bank or credit card lender’s policy doesn’t explicitly outline the kind of assistance you’re looking for, relief may be available on a case-by-case basis.\u003c/p>\n\u003cp>If you do receive forbearance or other forms of assistance from a lender, routinely \u003ca href=\"https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/\">check your credit report\u003c/a> to ensure no inaccuracies are being reported. You can access a free credit report once a year from each of the following companies: \u003ca href=\"https://www.equifax.com/personal/\">Equifax\u003c/a>, \u003ca href=\"https://www.experian.com\">Experian\u003c/a> and \u003ca href=\"https://www.transunion.com\">TransUnion\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"3\">\u003c/a>Utilities\u003c/h3>\n\u003cp>Many of us are spending a lot more time at home these days and because of that, we're likely using more electricity than normal. Coupled with coronavirus-related financial pressure, you may find that you need assistance paying your monthly utility bill and making sure the lights stay on.\u003c/p>\n\u003cp>[aside postID=\"news_11810146, science_1961210\" label=\"How to Avoid Getting Scammed\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1020x680.jpg\"]\u003c/p>\n\u003cp>Across California, many utility companies — including Pacific Gas & Electric, Southern California Edison, San Diego Gas & Electric, Los Angeles Department of Water and Power and Sacramento Municipal Utility District — have all \u003ca href=\"https://calmatters.org/california-divide/2020/03/utilities-wont-shut-off-power-coronavirus/\">promised they won't shut off \u003c/a>power to customers who can't pay their bills during the coronavirus crisis.\u003c/p>\n\u003cp>Additionally, people who have lost their jobs due to COVID-19 may qualify for PG&E’s \u003ca href=\"https://www.pge.com/en_US/residential/save-energy-money/help-paying-your-bill/longer-term-assistance/care/care.page\">California Alternate Rates for Energy Program\u003c/a>, which provides a 20% to 35% discount on utility bills. Households with three or more people may also qualify for an 18% discount on electricity through the utility's Family Electric Rate Assistance Program. Text “CARE” to 20283 to find out if you’re eligible.\u003c/p>\n\u003ch3>\u003ca id=\"4\">\u003c/a>Phone and WiFi\u003c/h3>\n\u003cp>Federal Communications Commission Chairman Ajit Pai asked telephone and broadband service providers to take the Keep Americans Connected Pledge, which ensures a continuation of service to customers during the coronavirus crisis.\u003c/p>\n\u003cp>More than 700 companies have signed on to pledge so far. Here is a \u003ca href=\"https://www.fcc.gov/keep-americans-connected\">list\u003c/a>.\u003c/p>\n\u003cp>That means, for at least 60 days, those companies have promised to do the following:\u003c/p>\n\u003cul>\n\u003cli>Not terminate service to any residential or small business customers because of their inability to pay their bills due to disruptions caused by the coronavirus.\u003c/li>\n\u003cli>Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the crisis\u003c/li>\n\u003cli>Open Wi-Fi hotspots to anyone who needs them\u003c/li>\n\u003c/ul>\n\u003cp>Below are some additional offerings available from the largest internet providers in the Bay Area for people who have been impacted by the coronavirus crisis. This list is not all-inclusive, so contact your WiFi provider to inquire about assistance available for your specific situation. All of the following companies are also promising no disconnects or late fees during this period:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://corporate.comcast.com/press/releases/internet-essentials-low-income-broadband-coronavirus-pandemic\">Comcast\u003c/a>: Comcast is making 1.5 million of its\u003ca href=\"https://www.xfinity.com/prepare\"> Xfinity WiFi hotspots free\u003c/a> across the country during the pandemic. To locate a hotspot near you, search \u003ca href=\"https://www.xfinity.com/mobile/network/map\">this interactive map\u003c/a>. Qualified new low-income customers can also get 60 days of free internet. The company is also giving customers unlimited data for 60 days with no additional charges.\u003c/li>\n\u003cli>\u003ca href=\"https://mobile.spectrum.com/support/article/360040980371/coronavirus-covid19-update\">Spectrum\u003c/a>: Spectrum is making its \u003ca href=\"https://www.spectrum.net/support/internet/spectrum-wifi\" target=\"_self\" rel=\"noopener noreferrer\">WiFi hotspots\u003c/a> available for public use. The company is also offering free internet access for 60 days to households with students and educators.\u003c/li>\n\u003cli>\u003ca href=\"https://about.att.com/pages/COVID-19.html\">AT&T\u003c/a>: AT&T is providing three months of free wireless service for frontline nurses and physicians nationwide.\u003c/li>\n\u003cli>\u003ca href=\"https://www.verizon.com/support/covid-19-faqs/\">Verizon\u003c/a>: Verizon is offering customers additional mobile hotspot data.\u003c/li>\n\u003cli>\u003ca href=\"https://www.sonic.com/cov19\">Sonic\u003c/a>: Sonic is offering three months of free internet access and unlimited nationwide home telephone service to households with students or residents 60 and older.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"5\">\u003c/a>Student Loans\u003c/h3>\n\u003cp>Under the CARES Act, you may be able to suspend student loan payments through Sept. 30, 2020, but only \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/\">if they’re federal loans\u003c/a>, not ones issued through private banks, credit unions, schools or other entities.\u003c/p>\n\u003cp>Payments for student loans owned by the federal government will be suspended automatically, so you don’t need to worry about contacting your loan-service provider. The interest rate is set to 0% through Sept. 30.\u003c/p>\n\u003cp>Many private lenders, however, are offering reduced payment plans or ways to postpone your payments. Contact your lender directly to find out about payment options.\u003c/p>\n\u003cp>If you don’t know who your loan servicer is, call the \u003ca href=\"https://studentaid.gov/manage-loans/repayment/servicers\">Federal Student Aid Information Center\u003c/a> at 1-800-433-3243 to find out.\u003c/p>\n\u003cp>You should never be asked to pay a fee to suspend your federal student loans. If this occurs, report it to the \u003ca href=\"https://www.ftccomplaintassistant.gov/#crnt&panel1-1\">Federal Trade Commission\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"6\">\u003c/a>Car payments and Insurance\u003c/h3>\n\u003cp>If you can't pay your auto loan, your lender may be able to work with you to provide some relief. Several major lenders have offered options to help people paying off a car or buying a new one, such as waiving late fees or allowing deferred payments.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/worried-about-making-your-auto-loan-payments-your-lender-may-have-options-to-help/\">Consumer Financial Protection Bureau recommends\u003c/a> following these steps:\u003c/p>\n\u003cul>\n\u003cli>Ask to change the date your payment is due\u003c/li>\n\u003cli>Request a payment plan\u003c/li>\n\u003cli>Ask for a payment extension/deferral\u003c/li>\n\u003cli>Consider refinancing your auto loan\u003c/li>\n\u003c/ul>\n\u003cp>For your auto insurance, you're likely eligible to receive a rebate or payment deferrals. As shelter-in-place orders have reduced traffic on the road, California insurance commissioner \u003ca href=\"http://www.insurance.ca.gov/0400-news/0100-press-releases/2020/release038-2020.cfm\">Ricardo Lara ordered\u003c/a> insurance companies to return premiums to drivers and businesses during the coronavirus crisis.\u003c/p>\n\u003cp>Reach out to your insurance company to find out the full range of financial relief they may be offering during the pandemic.\u003c/p>\n\u003ch3>\u003ca id=\"7\">\u003c/a>Rent, Mortgage and Property Taxes\u003c/h3>\n\u003cp>For tenants: \u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">KQED created a guide\u003c/a> outlining what to do and what protections are available if you can't pay rent during the coronavirus crisis.\u003c/p>\n\u003cp>If you can’t pay your mortgage, or can only pay part of it, you should reach out to your mortgage servicer, according to the Consumer Financial Protection Bureau, which has \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/\">a guide on mortgage relief options\u003c/a>, including information about protections through the CARES Act for homeowners with federally backed mortgages.\u003c/p>\n\u003cp>In most California counties, property taxes were due April 10, but nearly all counties in the state have agreed to waive penalties for late payments on a case-by-case basis if you can demonstrate that you've been financially impacted by the crisis.\u003c/p>\n\u003cp>San Mateo and San Francisco counties also both extended their property tax deadlines to May 4. Check out \u003ca href=\"https://www.kqed.org/news/11811552/most-property-taxes-are-still-due-april-10-heres-what-you-need-to-know\">KQED's guide to paying property taxes\u003c/a> in all nine Bay Area counties.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"If you’re experiencing financial hardship due to the coronavirus pandemic, here are some key tips for how to pay (or not pay) your bills.","status":"publish","parent":0,"modified":1606332204,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":46,"wordCount":2045},"headData":{"title":"How to Navigate Bills Right Now, From Student Loans to Phone Plans | KQED","description":"If you’re experiencing financial hardship due to the coronavirus pandemic, here are some key tips for how to pay (or not pay) your bills.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11812172 https://ww2.kqed.org/news/?p=11812172","disqusUrl":"https://ww2.kqed.org/news/2020/04/15/how-to-navigate-bills-right-now-from-student-loans-to-phone-plans/","disqusTitle":"How to Navigate Bills Right Now, From Student Loans to Phone Plans","source":"Coronavirus","sourceUrl":"htttps://www.kqed.org/coronavirus","path":"/news/11812172/how-to-navigate-bills-right-now-from-student-loans-to-phone-plans","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>When officials began issuing local and statewide \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\">shelter-in-place orders \u003c/a>in March to stem the spread of the coronavirus, scores of businesses across the country were forced to shutter, leaving \u003ca href=\"https://www.npr.org/sections/coronavirus-live-updates/2020/04/09/830216099/6-6-million-more-file-for-unemployment-as-coronavirus-keeps-economy-shut\">a historic number\u003c/a> of Americans unemployed and grappling with overwhelming financial loss.\u003c/p>\n\u003cp>To help soften the blow, Congress passed the \u003ca href=\"https://www.npr.org/2020/03/26/821457551/whats-inside-the-senate-s-2-trillion-coronavirus-aid-package\">CARES Act\u003c/a>, a massive $2.2 trillion stimulus package. Among many other things, the bill includes one-time payments of up to $1,200 per person for millions of Americans with adjusted gross incomes of up to $75,000, plus $500 for each qualifying child. On April 11, the Internal Revenue Service \u003ca href=\"https://twitter.com/IRSnews/status/1249062356077944832?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1249062356077944832&ref_url=about%3Asrcdoc\">announced\u003c/a> it had issued the first set of checks.\u003c/p>\n\u003cp>But $1,200 only goes so far — especially in the Bay Area — and if you find yourself still unable to pay your bills, there are other forms of financial assistance potentially available. But before contacting creditors and lenders, it's crucial to come up with a solid game plan.\u003c/p>\n\u003cp>“I think the very first step that you need to take is to sit down and look at all of your financial resources and take into account everything that you have available to survive a reduction or loss of income,” said Bruce McClary, a spokesperson for the \u003ca href=\"https://www.nfcc.org\">National Foundation for Credit Counseling\u003c/a>, a nationwide network of nonprofit financial counseling organizations.\u003c/p>\n\u003cp>McClary suggests that everyone — even those with substantial savings — implement an emergency budget and be aware of relief options. “Things are changing on this front, and there are more programs that are likely to be announced,” he said.\u003c/p>\n\u003cp>If you’re experiencing financial hardship due to the pandemic, navigating available relief options can be a downright overwhelming process. So, here’s what you need to know about paying the bills that might be on your plate:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#1\">Calling About Payment Options? Read This First\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#2\">Banks and Credit Card Lenders\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#3\">Utilities\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#4\">Phone and WiFi\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#5\">Student Loans\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#6\">Car Payments and Insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#7\">Rent, Mortgage and Property Taxes\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"1\">\u003c/a> Calling About Payment Options? Read This First\u003c/h3>\n\u003cp>Before contacting your creditors or lenders, make sure you’re prepared and know what to say in order to access the full range of payment relief options available, whether it be loan deferments and fee waivers options or payment plans and continued service guarantees.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11806938","label":"Guide: Filing for Unemployment ","hero":"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS42106_004_KQED_EDD_UnemploymentApplication_03162020_8407-qut-1-1020x680.jpg"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It could be a lot of phone calls, but it's very important that you start the process and that you're the one who initiates these conversations,” McClary said.\u003c/p>\n\u003cp>According to the\u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\"> Consumer Protection Finance Bureau\u003c/a>, you should have the following information in hand before contacting lenders:\u003c/p>\n\u003cul>\n\u003cli>Your financial and employment status\u003c/li>\n\u003cli>How much you can afford to pay\u003c/li>\n\u003cli>When you’re likely to be able to restart regular payments\u003c/li>\n\u003cli>Detailed information about your income, expenses and assets\u003c/li>\n\u003c/ul>\n\u003cp>“It's always best to enter into the conversation with a broader question about what programs are available for people who are experiencing financial hardships that are related to COVID- 19,\" McClary said.\u003c/p>\n\u003cp>Beginning the call with an open-ended question allows the lender or creditor the opportunity to tell you what kind of relief options are available. Explain your situation and be sure to explicitly say you’re experiencing financial hardship due to the coronavirus. Some lenders may have certain processes already in place for borrowers who are impacted by the crisis, but not necessarily for those experiencing unrelated financial hardship.\u003c/p>\n\u003cp>If possible, make sure you request in writing any assistance options that are offered by your financial institution, and at the very least, take good notes.\u003c/p>\n\u003cp>It could also be beneficial to consult a financial or housing counselor before reaching out to creditors to make sure you're prepared. You can access free or low-cost financial counseling through the \u003ca href=\"https://www.nfcc.org\">NFCC\u003c/a> or the \u003ca href=\"https://fcaa.org\">Financial Counseling Association of America\u003c/a>.\u003c/p>\n\u003cp>If you've lost a significant chunk of your income, one commonly offered form of relief is known as a forbearance program. It allows you to skip one or more bill or loan payments, usually without penalties like late fees or having services turned off.\u003c/p>\n\u003cp>If forbearance isn’t an option, other programs may also be available, like reduced payment plans.\u003c/p>\n\u003cp>“If someone says 'We don't have forbearance programs,' don't hang up the phone and think that you're out of options,” said McClary. “Ask leading questions to identify what other options are available.”\u003c/p>\n\u003cp>And if you don't think you're getting the assistance you're entitled to, some experts suggest filing a complaint to federal and state consumer protection agencies (which you can do \u003ca href=\"https://www.consumerfinance.gov/complaint/\">here \u003c/a>and \u003ca href=\"https://oag.ca.gov/consumers/general/financial-services\">here\u003c/a>).\u003c/p>\n\u003cp>\"Sometimes that can make a difference,\" said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org\">California Reinvestment Coalition\u003c/a>. \"And there are people in the agency who are supposed to be looking for trends and bad actors, so maybe it's information they would act upon.”\u003c/p>\n\u003cp>Below is a list of specific relief programs available if you're struggling to pay your bills. But remember, creditors and lenders may be able to provide relief on a case-by-case basis, even if certain options aren't listed on their websites.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>\u003ca id=\"2\">\u003c/a>Banks and Credit Card Lenders\u003c/h3>\n\u003cp>Many banks and credit card lenders are now offering forms of assistance to help borrowers impacted by the pandemic, including options like fee waivers and forbearance. Again, when speaking to a lender, make sure you explicitly explain you are suffering financial hardship due to the coronavirus pandemic and allow them to tell you what programs are available.\u003c/p>\n\u003cp>The American Banker Association compiled a \u003ca href=\"https://www.aba.com/about-us/press-room/industry-response-coronavirus\">directory of U.S. banks\u003c/a> and what they’re doing to assist customers who are financially impacted by the crisis. Even if a bank or credit card lender’s policy doesn’t explicitly outline the kind of assistance you’re looking for, relief may be available on a case-by-case basis.\u003c/p>\n\u003cp>If you do receive forbearance or other forms of assistance from a lender, routinely \u003ca href=\"https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/\">check your credit report\u003c/a> to ensure no inaccuracies are being reported. You can access a free credit report once a year from each of the following companies: \u003ca href=\"https://www.equifax.com/personal/\">Equifax\u003c/a>, \u003ca href=\"https://www.experian.com\">Experian\u003c/a> and \u003ca href=\"https://www.transunion.com\">TransUnion\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"3\">\u003c/a>Utilities\u003c/h3>\n\u003cp>Many of us are spending a lot more time at home these days and because of that, we're likely using more electricity than normal. Coupled with coronavirus-related financial pressure, you may find that you need assistance paying your monthly utility bill and making sure the lights stay on.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11810146, science_1961210","label":"How to Avoid Getting Scammed ","hero":"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1020x680.jpg"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Across California, many utility companies — including Pacific Gas & Electric, Southern California Edison, San Diego Gas & Electric, Los Angeles Department of Water and Power and Sacramento Municipal Utility District — have all \u003ca href=\"https://calmatters.org/california-divide/2020/03/utilities-wont-shut-off-power-coronavirus/\">promised they won't shut off \u003c/a>power to customers who can't pay their bills during the coronavirus crisis.\u003c/p>\n\u003cp>Additionally, people who have lost their jobs due to COVID-19 may qualify for PG&E’s \u003ca href=\"https://www.pge.com/en_US/residential/save-energy-money/help-paying-your-bill/longer-term-assistance/care/care.page\">California Alternate Rates for Energy Program\u003c/a>, which provides a 20% to 35% discount on utility bills. Households with three or more people may also qualify for an 18% discount on electricity through the utility's Family Electric Rate Assistance Program. Text “CARE” to 20283 to find out if you’re eligible.\u003c/p>\n\u003ch3>\u003ca id=\"4\">\u003c/a>Phone and WiFi\u003c/h3>\n\u003cp>Federal Communications Commission Chairman Ajit Pai asked telephone and broadband service providers to take the Keep Americans Connected Pledge, which ensures a continuation of service to customers during the coronavirus crisis.\u003c/p>\n\u003cp>More than 700 companies have signed on to pledge so far. Here is a \u003ca href=\"https://www.fcc.gov/keep-americans-connected\">list\u003c/a>.\u003c/p>\n\u003cp>That means, for at least 60 days, those companies have promised to do the following:\u003c/p>\n\u003cul>\n\u003cli>Not terminate service to any residential or small business customers because of their inability to pay their bills due to disruptions caused by the coronavirus.\u003c/li>\n\u003cli>Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the crisis\u003c/li>\n\u003cli>Open Wi-Fi hotspots to anyone who needs them\u003c/li>\n\u003c/ul>\n\u003cp>Below are some additional offerings available from the largest internet providers in the Bay Area for people who have been impacted by the coronavirus crisis. This list is not all-inclusive, so contact your WiFi provider to inquire about assistance available for your specific situation. All of the following companies are also promising no disconnects or late fees during this period:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://corporate.comcast.com/press/releases/internet-essentials-low-income-broadband-coronavirus-pandemic\">Comcast\u003c/a>: Comcast is making 1.5 million of its\u003ca href=\"https://www.xfinity.com/prepare\"> Xfinity WiFi hotspots free\u003c/a> across the country during the pandemic. To locate a hotspot near you, search \u003ca href=\"https://www.xfinity.com/mobile/network/map\">this interactive map\u003c/a>. Qualified new low-income customers can also get 60 days of free internet. The company is also giving customers unlimited data for 60 days with no additional charges.\u003c/li>\n\u003cli>\u003ca href=\"https://mobile.spectrum.com/support/article/360040980371/coronavirus-covid19-update\">Spectrum\u003c/a>: Spectrum is making its \u003ca href=\"https://www.spectrum.net/support/internet/spectrum-wifi\" target=\"_self\" rel=\"noopener noreferrer\">WiFi hotspots\u003c/a> available for public use. The company is also offering free internet access for 60 days to households with students and educators.\u003c/li>\n\u003cli>\u003ca href=\"https://about.att.com/pages/COVID-19.html\">AT&T\u003c/a>: AT&T is providing three months of free wireless service for frontline nurses and physicians nationwide.\u003c/li>\n\u003cli>\u003ca href=\"https://www.verizon.com/support/covid-19-faqs/\">Verizon\u003c/a>: Verizon is offering customers additional mobile hotspot data.\u003c/li>\n\u003cli>\u003ca href=\"https://www.sonic.com/cov19\">Sonic\u003c/a>: Sonic is offering three months of free internet access and unlimited nationwide home telephone service to households with students or residents 60 and older.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"5\">\u003c/a>Student Loans\u003c/h3>\n\u003cp>Under the CARES Act, you may be able to suspend student loan payments through Sept. 30, 2020, but only \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/\">if they’re federal loans\u003c/a>, not ones issued through private banks, credit unions, schools or other entities.\u003c/p>\n\u003cp>Payments for student loans owned by the federal government will be suspended automatically, so you don’t need to worry about contacting your loan-service provider. The interest rate is set to 0% through Sept. 30.\u003c/p>\n\u003cp>Many private lenders, however, are offering reduced payment plans or ways to postpone your payments. Contact your lender directly to find out about payment options.\u003c/p>\n\u003cp>If you don’t know who your loan servicer is, call the \u003ca href=\"https://studentaid.gov/manage-loans/repayment/servicers\">Federal Student Aid Information Center\u003c/a> at 1-800-433-3243 to find out.\u003c/p>\n\u003cp>You should never be asked to pay a fee to suspend your federal student loans. If this occurs, report it to the \u003ca href=\"https://www.ftccomplaintassistant.gov/#crnt&panel1-1\">Federal Trade Commission\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"6\">\u003c/a>Car payments and Insurance\u003c/h3>\n\u003cp>If you can't pay your auto loan, your lender may be able to work with you to provide some relief. Several major lenders have offered options to help people paying off a car or buying a new one, such as waiving late fees or allowing deferred payments.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/worried-about-making-your-auto-loan-payments-your-lender-may-have-options-to-help/\">Consumer Financial Protection Bureau recommends\u003c/a> following these steps:\u003c/p>\n\u003cul>\n\u003cli>Ask to change the date your payment is due\u003c/li>\n\u003cli>Request a payment plan\u003c/li>\n\u003cli>Ask for a payment extension/deferral\u003c/li>\n\u003cli>Consider refinancing your auto loan\u003c/li>\n\u003c/ul>\n\u003cp>For your auto insurance, you're likely eligible to receive a rebate or payment deferrals. As shelter-in-place orders have reduced traffic on the road, California insurance commissioner \u003ca href=\"http://www.insurance.ca.gov/0400-news/0100-press-releases/2020/release038-2020.cfm\">Ricardo Lara ordered\u003c/a> insurance companies to return premiums to drivers and businesses during the coronavirus crisis.\u003c/p>\n\u003cp>Reach out to your insurance company to find out the full range of financial relief they may be offering during the pandemic.\u003c/p>\n\u003ch3>\u003ca id=\"7\">\u003c/a>Rent, Mortgage and Property Taxes\u003c/h3>\n\u003cp>For tenants: \u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">KQED created a guide\u003c/a> outlining what to do and what protections are available if you can't pay rent during the coronavirus crisis.\u003c/p>\n\u003cp>If you can’t pay your mortgage, or can only pay part of it, you should reach out to your mortgage servicer, according to the Consumer Financial Protection Bureau, which has \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/\">a guide on mortgage relief options\u003c/a>, including information about protections through the CARES Act for homeowners with federally backed mortgages.\u003c/p>\n\u003cp>In most California counties, property taxes were due April 10, but nearly all counties in the state have agreed to waive penalties for late payments on a case-by-case basis if you can demonstrate that you've been financially impacted by the crisis.\u003c/p>\n\u003cp>San Mateo and San Francisco counties also both extended their property tax deadlines to May 4. Check out \u003ca href=\"https://www.kqed.org/news/11811552/most-property-taxes-are-still-due-april-10-heres-what-you-need-to-know\">KQED's guide to paying property taxes\u003c/a> in all nine Bay Area counties.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11812172/how-to-navigate-bills-right-now-from-student-loans-to-phone-plans","authors":["11367"],"categories":["news_1758","news_8"],"tags":["news_27350","news_27504","news_27626","news_2619","news_27808","news_25523"],"featImg":"news_11812216","label":"source_news_11812172"},"news_11805826":{"type":"posts","id":"news_11805826","meta":{"index":"posts_1591205157","site":"news","id":"11805826","score":null,"sort":[1583785374000]},"guestAuthors":[],"slug":"wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","title":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress","publishDate":1583785374,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. [aside tag=\"wells-fargo\" label=\"more coverage\"]\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. [ad fullwidth]\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Democrats last week said Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"","status":"publish","parent":0,"modified":1583877068,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":703},"headData":{"title":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress | KQED","description":"Democrats last week said Wells Fargo was slow to "correct serious deficiencies in its infrastructure for managing risks to consumers."","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11805826 https://ww2.kqed.org/news/?p=11805826","disqusUrl":"https://ww2.kqed.org/news/2020/03/09/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress/","disqusTitle":"Wells Fargo Officials Resign Days Before They Were Set to Testify Before Congress","source":"NPR","sourceUrl":"https://www.npr.org","nprImageCredit":"Smith Collection/Gado","nprByline":"\u003ca href=\"https://www.npr.org/people/348744480/brakkton-booker\">Brakkton Booker\u003c/a>","nprImageAgency":"Getty Images","nprStoryId":"813632098","nprApiLink":"http://api.npr.org/query?id=813632098&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2020/03/09/813632098/wells-fargo-board-members-resign-days-before-set-to-testify-before-congress?ft=nprml&f=813632098","nprRetrievedStory":"1","nprPubDate":"Mon, 09 Mar 2020 13:25:00 -0400","nprStoryDate":"Mon, 09 Mar 2020 12:30:49 -0400","nprLastModifiedDate":"Mon, 09 Mar 2020 13:25:12 -0400","path":"/news/11805826/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Two Wells Fargo board members have resigned, including Chairwoman Elizabeth Duke, the bank announced Monday. The departures come days after a House committee report found the bank has been too slow to reform itself in the wake of a series of scandals — including widespread fraud in the consumer banking business tied to overly aggressive sales goals.\u003c/p>\n\u003cp>Duke, who is known to many as Betsy, was elected chair of the bank's board effective January 2018. She had previously served as vice chair between October 2016 and December 2017. Wells Fargo said her resignation and that of another board member, James Quigley, \u003ca href=\"https://www.businesswire.com/news/home/20200309005376/en/Elizabeth-A.-Duke-James-H.-Quigley-Resign\">were effective Sunday\u003c/a>.\u003c/p>\n\u003cp>Wells Fargo has \u003ca href=\"https://www.npr.org/series/508986161/investigating-the-wells-fargo-scandal\">endured a cascade of scandals\u003c/a> in recent years. The bank last month agreed to \u003ca href=\"https://www.npr.org/2020/02/21/808205303/wells-fargo-paying-3-billion-to-settle-u-s-case-over-illegal-sales-practices\">pay $3 billion\u003c/a> to settle charges of collection fees for bank accounts, credit cards and other products worth millions from customers who didn't need or request the services. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"wells-fargo","label":"more coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In 2016, the bank was order to pay \u003ca href=\"https://www.npr.org/sections/thetwo-way/2016/09/08/493130449/wells-fargo-to-pay-around-190-million-over-fake-accounts-that-sparked-bonuses\">$185 million in fines and penalties\u003c/a> after investigators found Wells Fargo employees opened as many as 2 million unauthorized accounts without customer authorization. The following year Wells Fargo announced that an outside review uncovered an \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/08/31/547550804/wells-fargo-admits-to-nearly-twice-as-many-possible-fake-accounts-3-5-million\">additional 1.4 million potentially bogus accounts\u003c/a>, bringing the total to 3.5 million.\u003c/p>\n\u003cp>Both Quigley and Duke were scheduled to appear before the House Financial Services Committee on Wednesday. It wasn't immediately clear if they are still expected to testify. Last week, Democrats on that committee released an \u003ca href=\"https://financialservices.house.gov/uploadedfiles/wells_fargo_staff_report_final_mm.pdf\">investigative report\u003c/a> called \"The Real Wells Fargo: Board & Management Failures, Consumer Abuses and Ineffective Regulatory Oversight.\"\u003c/p>\n\u003cp>According to the report's executive summary, Wells Fargo was slow to \"correct serious deficiencies in its infrastructure for managing risks to consumers.\"\u003c/p>\n\u003cp>It continues: \"As a result, Wells Fargo's customers have been exposed to countless abuses, including racial discrimination, wrongful foreclosure, illegal vehicle repossession, and fraudulently opened accounts.\"\u003c/p>\n\u003cp>The report also highlighted a 2017 remark from Duke in which she appeared to raise questions about why she was being included on messages from the Consumer Financial Protection Bureau requesting that Wells Fargo take certain actions to improve bank operations.\u003c/p>\n\u003cp>\"Why are you sending it to me, the board, rather than the department manager?\" asked Duke, who was then vice chair of the bank's board, according to the House report.\u003c/p>\n\u003cp>In a joint statement, Duke and Quigley said they were stepping down from their posts to \"avoid distraction\" and allow \u003ca href=\"https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-names-charles-w-scharf-chief-executive-officer\">Charles Scharf\u003c/a>, who was named CEO and president of Wells Fargo in September, the \"ability to turn the page.\"\u003c/p>\n\u003cp>\"Out of continued loyalty to Wells Fargo and ongoing commitment to serve our customers and employees, we recommended to our colleagues on the Board that we step down from our leadership roles and they have accepted our resignation from the Board. We believe that our decision will facilitate the bank's and the new CEO's ability to turn the page and avoid distraction that could impede the bank's future progress,\" Duke and Quigley said in the statement. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Republicans on the House Financial Services Committee issued \u003ca href=\"https://republicans-financialservices.house.gov/uploadedfiles/republican_staff_report_on_wells_fargo.pdf\">their own report\u003c/a> on Wells Fargo last week. While the committee's minority found the bank failed to \"implement an enterprise-wide risk management framework,\" it also placed some blame on federal regulators, who it says were \"slow to take action that could have prevented further consumer abuses by Wells Fargo.\"\u003c/p>\n\u003cp>The report added that Scharf's stated emphasis on complying with regulators \"above all else gives the bank its best chance to move beyond the sales practices scandal and other consumer abuses that have plagued the bank for nearly 20 years.\"\u003c/p>\n\u003cp>House Financial Services Chairwoman Rep. Maxine Waters, D-California, had previously called for both Quigley and Duke to resign, adding they had \"failed in their responsibilities,\" \u003ca href=\"https://thehill.com/policy/finance/486119-waters-calls-for-resignation-of-two-wells-fargo-directors-floats-criminal\">The Hill\u003c/a> reported last week.\u003c/p>\n\u003cp>It's unclear if the Wednesday hearing, titled \"Holding Wells Fargo Accountable,\" will continue as previously planned now that both Duke and Quigley no longer hold their positions.\u003c/p>\n\u003cp>Scharf, the CEO, is expected to testify before the committee on Tuesday.\u003c/p>\n\u003cp>\u003cstrong>\u003cem>Editors note:\u003c/em>\u003c/strong>\u003cem> Wells Fargo has been a corporate sponsor of NPR. \u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2020 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Wells+Fargo+Officials+Resign+Days+Before+They+Were+Set+To+Testify+Before+Congress&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11805826/wells-fargo-officials-resign-days-before-they-were-set-to-testify-before-congress","authors":["byline_news_11805826"],"categories":["news_1758","news_6188","news_8"],"tags":["news_69","news_18538","news_18545","news_2619","news_2424"],"featImg":"news_11805827","label":"source_news_11805826"},"news_11418523":{"type":"posts","id":"news_11418523","meta":{"index":"posts_1591205157","site":"news","id":"11418523","score":null,"sort":[1493154086000]},"guestAuthors":[],"slug":"10-years-after-housing-crash-families-finally-make-it-on-dream-street","title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","publishDate":1493154086,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n","blocks":[],"excerpt":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","status":"publish","parent":0,"modified":1493160643,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":53,"wordCount":1887},"headData":{"title":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street' | KQED","description":"The foreclosure crisis swept the Inland Empire, but some families managed to hang onto their homes.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11418523 https://ww2.kqed.org/news/?p=11418523","disqusUrl":"https://ww2.kqed.org/news/2017/04/25/10-years-after-housing-crash-families-finally-make-it-on-dream-street/","disqusTitle":"10 Years After Housing Crash, Families Finally Make It on 'Dream Street'","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/04/2017-04-25a-tcr.mp3","guestFields":"0","path":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Augie Cortez and his wife, Blanca, bought a little slice of the American Dream about 17 years ago in Bloomington, a working-class community in San Bernardino about 50 miles east of Los Angeles.\u003c/p>\n\u003cp>Their roomy four-bedroom house was the very first on the block of a brand-new subdivision not unlike scores of others that began carpeting Inland Southern California toward the end of the 1990s.\u003c/p>\n\u003cp>The Cortezes gathered up their savings and managed to put up a healthy down payment on a 15-year mortgage. After a couple of other home purchasing efforts collapsed, they were eager to make this one stick and they wanted to pay it off fast.\u003c/p>\n\u003cp>Monthly payments would be high. But the name of the little cul-de-sac seemed like a good omen: \u003ca href=\"https://www.google.com/maps/@34.0621667,-117.3957405,3a,75y,144.34h,60.9t/data=!3m6!1e1!3m4!1sTLzuz0fGR8FQ5Cznj9CJSQ!2e0!7i13312!8i6656!6m1!1e1\" target=\"_blank\">Dream Street\u003c/a>.\u003c/p>\n\u003cp>“I thought that was a cool name! I don’t think I’d ever heard of a Dream Street. Have you?\" Cortez asks as he sits at an expansive table in the family's dining room.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>And for a while, the dream was good.\u003c/p>\n\u003cfigure id=\"attachment_11418633\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418633\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg\" alt=\"When Augie Cortez’ moved his family into its new Dream Street home he redid all the outside cement work with the help of friends and family.\" width=\"800\" height=\"538\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-800x538.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-160x108.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1020x685.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-1180x793.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-960x645.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-375x252.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-cement-JP-520x349.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">When Augie Cortez moved his family into its new Dream Street home, he redid all the outside cement work with the help of friends and family. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Augie works in construction as a cement finisher, and when he first bought his home, business was booming in the Inland Empire. After moving his wife and kids into the new house, he had enough extra cash to redo all the cement work along the sides of the house and the back patio.\u003c/p>\n\u003cp>There’s a family portrait taken the day his three daughters pressed some memories into the wet cement. While showing off his property, he points to the spot just outside a garage side door.\u003c/p>\n\u003cp>“Those are my daughters' handprints,” he says, beaming with pride. \"Man, those are my daughters' handprints right there. Nov. 27, 1999.\"\u003c/p>\n\u003cfigure id=\"attachment_11418635\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418635\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg\" alt=\"Augie Cortez’ daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \" width=\"800\" height=\"535\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-800x535.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1020x682.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-1180x789.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-960x642.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-240x161.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-375x251.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-kids-cement-jp-520x348.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez’s daughters press their hands into the wet cement of their new Dream Street home while his father looks on. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Easy Credit Dragged Everyone Down\u003c/h3>\n\u003cp>With so much homebuilding going on, it was easy for just about anyone to get a mortgage back then, even if you had shaky credit or no job at all. Low-income minority neighborhoods like the ones around Dream Street were ripe targets for subprime lenders.\u003c/p>\n\u003cp>Augie and his wife had a sound conventional loan, but still got dragged under in a housing crisis that would ultimately steamroll through neighborhoods across the country.\u003c/p>\n\u003cp>\"It impacted other people who own homes who were current, and the value of their homes went down,\" says Edward Pinto, co-director of the International Center on Housing Risk at the \u003ca href=\"http://www.aei.org/\">American Enterprise Institute, \u003c/a>a conservative think tank in Washington, D.C.\u003c/p>\n\u003cp>“Areas that have a lot of foreclosures and very seriously delinquent loans have an impact on declining house prices, so it spreads throughout the neighborhood,” Pinto says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night.'\u003ccite>Augie Cortez\u003c/cite>\u003c/aside>\n\u003cp>In 2006, the last of the brand-new homes on Dream Street sold for about $430,000. Three years later, at the peak of the mortgage meltdown, the same home was worth barely a quarter of that.\u003c/p>\n\u003cp>It was the same story up and down the block and across the region as the bubble burst on the housing market and people couldn't afford their mortgages. Even people like Augie Cortez, who didn’t have mortgages spring-loaded with dangerous adjustable rates and hidden fees, were dragged down.\u003c/p>\n\u003cp>Construction work vanished and Cortez's cement finishing jobs dried up.\u003c/p>\n\u003cfigure id=\"attachment_11418640\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418640 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg\" alt=\"Augie Cortez stands outside his home and says he's glad he stayed now that Dream Street is finally recovering.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-front-house-JP-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez stands outside his home and says he's glad he stayed, now that Dream Street is recovering from the mortgage meltdown. \u003ccite>(Doug McCulloh)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“I was trying to do the fast payoff and it was like, why did we get into this, a 15-year loan,” he says, recalling the painful days when the family seemed close to losing the house.\u003c/p>\n\u003cp>“You just look up at the ceiling, what are you gonna do the next day? You don’t sleep at night,” says Cortez grimly.\u003c/p>\n\u003cp>To put food on the table Cortez sold lumber and other items online. He did odd jobs for neighbors. Mortgage payments got skipped for months. Default notices were dropping into mailboxes across the neighborhood -- including his own.\u003c/p>\n\u003cp>\"Just walk away, that’s what people were doing, just walking away,\" he says, recalling what it was like then.\u003c/p>\n\u003cp>\"It was weird man, just empty houses. It was sad to see people pack their stuff. But I wasn’t going to do that. Not me, heck no. I would have stayed here until they put that (eviction) tag on my door,\" he says.\u003c/p>\n\u003caside class=\"pullquote alignright\">'Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off.'\u003ccite>Doug McCulloh, photojournalist\u003c/cite>\u003c/aside>\n\u003cp>Augie and his wife worked out a deal with their lender. Their 15-year mortgage was extended to 20 years, and the lender agreed to let them make lower minimum monthly payments for a fixed period.\u003c/p>\n\u003cp>But they were surrounded by the wreckage of the mortgage meltdown. By the end of 2009, half of Dream Street’s original 13 owners had either been pushed out or foreclosed on.\u003c/p>\n\u003cp>\"The foreclosure meltdown swept across this entire area and up and down Dream Street like a tsunami in spring of 2009,\" says photojournalist \u003ca href=\"http://www.pe.com/2014/03/28/artist-spotlight-douglas-mcculloh/\">Doug McCulloh\u003c/a>.\u003c/p>\n\u003cp>McCulloh lives in nearby Riverside. But his connection to Dream Street runs deep. He’s the one who gave the little avenue its name. It was a prize at a San Bernardino County charity auction. McCulloh says the come-on was irresistible: name a street, minimum bid $25.\u003c/p>\n\u003cp>\"My immediate thought is: It's the American Dream, it's your dream house and so on,\" says McCulloh.\u003c/p>\n\u003cp>Then, reflecting on what happened there, he adds, \"A nightmare is kind of a dream, too. So dreams can cut in all directions, can be all kinds of things. And it's turned out to be that here on Dream Street.\"\u003c/p>\n\u003cfigure id=\"attachment_11418637\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418637\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg\" alt=\"Most of the streets around Dream Street have western-themed names.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-DreamSign-color-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Most of the streets around Dream Street have western-themed names. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>McCulloh also won permission from the developer to document the housing tract’s rise from plowed-over fruit orchard to model suburbia to ground zero of the mortgage crisis. He got to know the construction workers, the development company and mortgage team, and the residents.\u003c/p>\n\u003cp>McCulloh tells the story of the last family to move onto Dream Street. They bought near the peak of the housing boom and couldn’t hang on. When the notice to vacate got slapped on the door, they salvaged what they could.\u003c/p>\n\u003cp>\"Somebody showed up, a relative, dug up four palm trees right out of their front yard and hauled them off,\" recalls McCulloh.\u003c/p>\n\u003cp>\"Two months later they got a family member who had good credit, they bottom-fished the market. They bought a house about a mile away. The palm trees, they planted them at their new house.\"\u003c/p>\n\u003cp>On a recent Saturday afternoon, McCulloh catches up with Augie Cortez and his brother, Johnny, on the sidewalk outside Cortez’s home. Neighbor Jerry Williams pulls his pickup truck into his driveway. He waves and heads over.\u003c/p>\n\u003cfigure id=\"attachment_11418642\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11418642 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg\" alt=\"Augie Cortez (r) and his brother outside Cortez’ Dream Street home.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-Augie-n-Bro-2-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Augie Cortez (R) and his brother, Johnny, (L) outside Cortez’s Dream Street home. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Williams is a burly long-haul truck driver with a shaggy, graying beard and wide smile. He and his wife Kelley, also a truck driver, moved in around the same time as Cortez and his wife. He complains about some kids that recently tagged a couple of fences. Other than the minor graffiti, all is good here, he says.\u003c/p>\n\u003cp>\"Pretty quiet. You see how it is man,\" he says, nodding to the tidy cul-de-sac. “We like it, it works for us.”\u003c/p>\n\u003cp>These days all the houses on Dream Street are occupied. No more busted-out windows or dead lawns; the emblems of the foreclosure crisis.\u003c/p>\n\u003cp>\"I guess it was a dream,\" laughs Augie Cortez. “Actually got to keep (the house), shoot. That’s what’s good.”\u003c/p>\n\u003cp>But in a sense it’s a dream half-realized. From his front yard we look across to a pair of large dusty vacant lots.\u003c/p>\n\u003cp>No houses were ever built on the \u003cem>other\u003c/em> side of Dream Street.\u003c/p>\n\u003cp>It’s undeveloped county land that, at the time the housing tract was developed, was to be the site of a park and library. The developers even dangled the county project as a selling point to would-be home buyers like Cortez.\u003c/p>\n\u003cp>“So that sounded good for my girls, like 'wow' perfect,” Cortez says.\u003c/p>\n\u003cp>“And there’s the park and library,” he says, pointing to the vacant land. When everyone looks to see where Cortez is pointing, he drops the punch line.\u003c/p>\n\u003cp>“It’s invisible!”\u003c/p>\n\u003cp>A San Bernardino County spokesman says the land turned out to be too narrow for a park.\u003c/p>\n\u003cp>County tax revenue also plummeted with housing values during the housing market crash. There are currently no plans for the empty lots.\u003c/p>\n\u003cfigure id=\"attachment_11418647\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418647\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg\" alt=\"A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-tire-swing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A tire swing dangles from a eucalyptus tree at the edge of a vacant lot on Dream Street \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Some people were betting that the bubble would go on, and of course it couldn't,” says photographer McCulloh. “Other people bet against the bubble. So the one thing you can say is there will be another spot where hanging onto the dream gets really, really hard.”\u003c/p>\n\u003cp>Local real estate experts warn that Inland Empire housing is once again way overvalued, and overdue for a “correction.” Prices have surged to an unsustainable level in the last year, according to \u003ca href=\"http://www.nhsie.org/\" target=\"_blank\">Neighborhood Housing Services of the Inland Empire\u003c/a>, a nonprofit that helped guys like Augie hold onto their houses 10 years ago.\u003c/p>\n\u003cp>At the edge of those vacant lots, a sign lashed to a post beckons with a come-on that sounds a little suspicious, given what this neighborhood has survived over the last decade: “Buy a Home, 1% Down.”\u003c/p>\n\u003cfigure id=\"attachment_11418648\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11418648\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg\" alt=\"A sign lashed to street post across from Dream Street beckons would be home buyers with a seemingly irresistible offer.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-1180x787.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-960x640.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-240x160.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-375x250.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2017/04/DREAM-1-1-down-sign-jp-520x347.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">A sign lashed to street post across from Dream Street beckons would-be homebuyers with a seemingly irresistible offer. \u003ccite>(Steven Cuevas/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>There’s no name for a real estate agent or mortgage broker. But there’s a local phone number. I give it a call.\u003c/p>\n\u003cp>\"Hi, this is Emily your friendly real estate professional,” chirps a pre-recorded message.\u003c/p>\n\u003cp>“Buying a home has never been easier! Here's how it works,” continues Emily. “You put down 1 percent and your lender 2 percent toward your down payment, which puts you on your way to home ownership.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Emily asks me to leave my number and a good time to call back. I don't. But I do find out more about that sign, and about new trends in home loans that are stoking old fears.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11418523/10-years-after-housing-crash-families-finally-make-it-on-dream-street","authors":["2600"],"programs":["news_72"],"categories":["news_1758","news_6266","news_8"],"tags":["news_69","news_19996","news_2619","news_1776","news_2766","news_20704","news_17286"],"featImg":"news_11418626","label":"news_72"},"news_10969955":{"type":"posts","id":"news_10969955","meta":{"index":"posts_1591205157","site":"news","id":"10969955","score":null,"sort":[1464591905000]},"guestAuthors":[],"slug":"despite-new-law-california-lags-in-personal-finance-education","title":"Despite New Law, California Lags In Personal Finance Education","publishDate":1464591905,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>In 2013, West Covina Assemblyman Roger Hernandez made a pitch to improve California’s teaching of financial literacy. \u003c/p>\n\u003cp>He made a strong case that California public schools needed to do much more to teach personal finance: California, unlike 17 other states, had no financial literacy graduation requirement. Surveys showed that one third of adults had no savings. And nearly half of American teens don’t know how to use a credit card effectively.\u003c/p>\n\u003cp>[soundcloud url=\"https://api.soundcloud.com/tracks/266813853\" params=\"color=ff5500&auto_play=false&hide_related=false&show_comments=true&show_user=true&show_reposts=false\" width=\"100%\" height=\"166\" iframe=\"true\" /]\u003c/p>\n\u003cp>So Hernandez authored a bill that year that was passed by the legislature and signed into law by Governor Jerry Brown. “With this new law, California requires financial literacy to be taught as part of the official state curriculum,” Hernandez wrote in a blog post on his website after the bill was signed into law.\u003c/p>\n\u003cp>But the law did not actually require any basic money management skills to be taught, and three years later, personal finance instruction in California remains a patchwork effort often totally reliant on the efforts of individual schools or teachers. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“Personal financial education is definitely on a hit or miss basis,\" said California State University, San Bernardino Professor Jim Charkins. \"Some schools, some school districts are very interested in it. Others are ignoring it.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ca href=\"http://www.scpr.org/news/2016/05/06/60317/despite-new-law-california-lags-in-personal-financ/\" target=\"_blank\">\u003cstrong>\u003cem>Read the full story via KPCC\u003c/em>\u003c/strong>\u003c/a>\u003c/p>\n\n","blocks":[],"excerpt":"While the state curriculum requires financial literacy to be taught in schools, the law did not actually require any basic money management skills to be taught.","status":"publish","parent":0,"modified":1464721394,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":9,"wordCount":246},"headData":{"title":"Despite New Law, California Lags In Personal Finance Education | KQED","description":"While the state curriculum requires financial literacy to be taught in schools, the law did not actually require any basic money management skills to be taught.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"10969955 http://ww2.kqed.org/news/?p=10969955","disqusUrl":"https://ww2.kqed.org/news/2016/05/30/despite-new-law-california-lags-in-personal-finance-education/","disqusTitle":"Despite New Law, California Lags In Personal Finance Education","nprByline":"\u003cstrong>Adolfo Guzman-Lopez\u003cbr />KPCC\u003c/strong>","nprStoryId":"479994795","path":"/news/10969955/despite-new-law-california-lags-in-personal-finance-education","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>In 2013, West Covina Assemblyman Roger Hernandez made a pitch to improve California’s teaching of financial literacy. \u003c/p>\n\u003cp>He made a strong case that California public schools needed to do much more to teach personal finance: California, unlike 17 other states, had no financial literacy graduation requirement. Surveys showed that one third of adults had no savings. And nearly half of American teens don’t know how to use a credit card effectively.\u003c/p>\n\u003cp>\u003c/p>\u003cp>\u003cdiv class='utils-parseShortcode-shortcodes-__shortcodes__shortcodeWrapper'>\n \u003ciframe width='100%' height='166'\n scrolling='no' frameborder='no'\n src='https://w.soundcloud.com/player/?url=https://api.soundcloud.com/tracks/266813853&visual=true&color=ff5500&auto_play=false&hide_related=false&show_comments=true&show_user=true&show_reposts=false'\n title='https://api.soundcloud.com/tracks/266813853'>\n \u003c/iframe>\n \u003c/div>\u003c/p>\u003cp>\u003c/p>\n\u003cp>So Hernandez authored a bill that year that was passed by the legislature and signed into law by Governor Jerry Brown. “With this new law, California requires financial literacy to be taught as part of the official state curriculum,” Hernandez wrote in a blog post on his website after the bill was signed into law.\u003c/p>\n\u003cp>But the law did not actually require any basic money management skills to be taught, and three years later, personal finance instruction in California remains a patchwork effort often totally reliant on the efforts of individual schools or teachers. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Personal financial education is definitely on a hit or miss basis,\" said California State University, San Bernardino Professor Jim Charkins. \"Some schools, some school districts are very interested in it. Others are ignoring it.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ca href=\"http://www.scpr.org/news/2016/05/06/60317/despite-new-law-california-lags-in-personal-financ/\" target=\"_blank\">\u003cstrong>\u003cem>Read the full story via KPCC\u003c/em>\u003c/strong>\u003c/a>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/10969955/despite-new-law-california-lags-in-personal-finance-education","authors":["byline_news_10969955"],"programs":["news_72"],"categories":["news_8","news_13"],"tags":["news_2619","news_17286","news_17041"],"featImg":"news_10969959","label":"news_72"},"news_10716892":{"type":"posts","id":"news_10716892","meta":{"index":"posts_1591205157","site":"news","id":"10716892","score":null,"sort":[1444865735000]},"guestAuthors":[],"slug":"san-francisco-seeks-police-body-camera-vendor-continues-crafting-policy","title":"San Francisco Seeks Police Body-Camera Vendor, Continues Crafting Policy","publishDate":1444865735,"format":"standard","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>San Francisco is \u003ca href=\"http://mission.sfgov.org/OCABidPublication/BidDetail.aspx?K=10121\" target=\"_blank\">seeking bids\u003c/a> from body-camera vendors with hopes of selecting the company that will sell some 1,800 devices, hosted video storage and software to the city's Police Department by early February.\u003c/p>\n\u003cp>It's another step in what's been a \u003ca href=\"http://ww2.kqed.org/news/2015/06/18/the-story-behind-the-sfpd-body-cam-programs-many-delays\" target=\"_blank\">long road\u003c/a> to pinning body cameras on SFPD officers. The city and Police Department did not seek bids for a pilot program to put cameras on plainclothes cops initiated over four years ago, eventually buying 165 cameras from Taser International in a no-bid contract 5½ months before \u003ca href=\"http://contextly.com/redirect/?id=7JK4U4JqlP:10716892:1026:13::RUFa0oSLt0dsknddhSZUHo6aV:sidebar:561eded7f0a991-32473399\" target=\"_blank\">abandoning the pilot and pursuing\u003c/a> a full implementation for every sworn field officer.\u003c/p>\n\u003caside class=\"pullquote alignright\">'The city is going to find out, like other cities have found out, the cost of the body cameras ... is going to be astronomical.'\u003ccite>Martin Halloran,\u003cbr>\nSF POA President\u003c/cite>\u003c/aside>\n\u003cp>City officials say the pending larger purchase will be an open and competitive process.\u003c/p>\n\u003cp>\"The intent is to make competition fair for all, and for the city to get the best value,” said Kofo Domingo, assistant director of purchasing and strategic planning for the city's Office of Contract Administration.\u003c/p>\n\u003cp>She addressed a group of body camera company representatives from around the country gathered in San Francisco Wednesday to hear details about the city's request for proposals and ask purchasers, police and IT experts questions about the department's needs.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Some vendors asked if the city would consider exceptions to requirements that their company have a minimum of two years' experience in the market and provide three separate law enforcement agency references where they've deployed at least 250 cameras.\u003c/p>\n\u003cp>A vendor who declined to give his name asked if that would automatically eliminate emerging companies that could offer newer, better technology.\u003c/p>\n\u003cp>\"The intent is we’re deploying a large number of body cameras,\" city Senior Purchaser David Bui said, \"and we need a firm that is used to dealing with large agencies.”\u003c/p>\n\u003cp>Domingo said the city is open to considering newer technologies, but \"we have not discussed becoming your test base.\"\u003c/p>\n\u003cp>https://www.youtube.com/watch?v=4vkmKK3EPxg\u003c/p>\n\u003cp>Another area of confusion involves the length of time that routine video would be retained on cloud-based storage, which generally includes a per-gigabyte subscription cost. The city is asking vendors to provide cost estimates for 13- and 25-month terms.\u003c/p>\n\u003cp>The uncertainty is due in part to the department's lack of a finalized body-worn camera policy, which the city's Police Commission is currently deliberating, said SFPD Director of Information Technology Will Sanson-Mosier. He said part of the commission's decision on that point will stem from a cost/benefit analysis between the shorter and longer retention periods.\u003c/p>\n\u003cp>\"The numbers that you give in the 13-month versus 25-month [retention] will go a long way toward helping them determine that policy,\" he said.\u003c/p>\n\u003cp>The Police Department estimates approximately 20 percent of an estimated 720,000 hours of video recorded by officers per year will not be routine -- say, video that contains evidence from a homicide investigation or officer-involved shooting. That video would be retained indefinitely.\u003c/p>\n\u003cp>San Francisco Police Officers Association President Martin Halloran told KQED in a phone interview that the data retention is going to end up costing the city a lot more than it currently expects.\u003c/p>\n\u003cp>\"The city is going to find out, like other cities have found out, the cost of the body cameras -- not so much for the equipment, but for the storage of the footage -- is going to be astronomical,\" he said, referring to San Francisco's current $6 million budget for the program over the next two years. \"That's not going to be enough money for the policy that they want.\"\u003cbr>\n[contextly_sidebar id=\"SVTT9B6FZzVRlFU3njMQDfV0gmOIyIr2\"]\u003cbr>\nSFPD Deputy Chief Mikail Ali told the vendors that the department hopes to finalize its policy by early 2016. Halloran said the Police Commission will forward its final version to the city's Department of Human Resources. Then DHR, the Police Department and the union will begin a meet-and-confer process.\u003c/p>\n\u003cp>\"We could be done by early 2016,\" Halloran said, but he added a caveat.\u003c/p>\n\u003cp>There is \u003ca href=\"http://www.sfgate.com/crime/article/Key-element-of-SF-police-body-camera-police-6481624.php\" target=\"_blank\">great controversy\u003c/a> over one provision in SFPD's draft policy, which currently would allow officers to view video footage of a critical incident, like an officer-involved shooting, before being interviewed by internal affairs investigators. Some stakeholder groups that helped create the draft, including the city's Public Defender's Office, want that point changed. They argue that it extends a double standard to police who could become criminal suspects.\u003c/p>\n\u003cp>But the union is adamant about keeping that policy point the way it is. Halloran said officers involved in shootings would stop making voluntary statements to internal affairs investigators if they are not allowed to view footage before interviews.\u003c/p>\n\u003cp>\"If in fact the draft policy does not allow members to view the footage, I guarantee I will not be signing off on that policy,\" he said, \"and it will end up in front of an arbitrator.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Representatives from 11 companies attended Wednesday's meeting. Neither Taser International nor Vievu, two of the biggest companies in the market, attended the conference.\u003c/p>\n\n","blocks":[],"excerpt":"City hopes to finalize policy by early 2016 and plans to award contract in early February.","status":"publish","parent":0,"modified":1444865735,"stats":{"hasAudio":false,"hasVideo":true,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":22,"wordCount":867},"headData":{"title":"San Francisco Seeks Police Body-Camera Vendor, Continues Crafting Policy | KQED","description":"City hopes to finalize policy by early 2016 and plans to award contract in early February.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"10716892 http://ww2.kqed.org/news/?p=10716892","disqusUrl":"https://ww2.kqed.org/news/2015/10/14/san-francisco-seeks-police-body-camera-vendor-continues-crafting-policy/","disqusTitle":"San Francisco Seeks Police Body-Camera Vendor, Continues Crafting Policy","path":"/news/10716892/san-francisco-seeks-police-body-camera-vendor-continues-crafting-policy","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>San Francisco is \u003ca href=\"http://mission.sfgov.org/OCABidPublication/BidDetail.aspx?K=10121\" target=\"_blank\">seeking bids\u003c/a> from body-camera vendors with hopes of selecting the company that will sell some 1,800 devices, hosted video storage and software to the city's Police Department by early February.\u003c/p>\n\u003cp>It's another step in what's been a \u003ca href=\"http://ww2.kqed.org/news/2015/06/18/the-story-behind-the-sfpd-body-cam-programs-many-delays\" target=\"_blank\">long road\u003c/a> to pinning body cameras on SFPD officers. The city and Police Department did not seek bids for a pilot program to put cameras on plainclothes cops initiated over four years ago, eventually buying 165 cameras from Taser International in a no-bid contract 5½ months before \u003ca href=\"http://contextly.com/redirect/?id=7JK4U4JqlP:10716892:1026:13::RUFa0oSLt0dsknddhSZUHo6aV:sidebar:561eded7f0a991-32473399\" target=\"_blank\">abandoning the pilot and pursuing\u003c/a> a full implementation for every sworn field officer.\u003c/p>\n\u003caside class=\"pullquote alignright\">'The city is going to find out, like other cities have found out, the cost of the body cameras ... is going to be astronomical.'\u003ccite>Martin Halloran,\u003cbr>\nSF POA President\u003c/cite>\u003c/aside>\n\u003cp>City officials say the pending larger purchase will be an open and competitive process.\u003c/p>\n\u003cp>\"The intent is to make competition fair for all, and for the city to get the best value,” said Kofo Domingo, assistant director of purchasing and strategic planning for the city's Office of Contract Administration.\u003c/p>\n\u003cp>She addressed a group of body camera company representatives from around the country gathered in San Francisco Wednesday to hear details about the city's request for proposals and ask purchasers, police and IT experts questions about the department's needs.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Some vendors asked if the city would consider exceptions to requirements that their company have a minimum of two years' experience in the market and provide three separate law enforcement agency references where they've deployed at least 250 cameras.\u003c/p>\n\u003cp>A vendor who declined to give his name asked if that would automatically eliminate emerging companies that could offer newer, better technology.\u003c/p>\n\u003cp>\"The intent is we’re deploying a large number of body cameras,\" city Senior Purchaser David Bui said, \"and we need a firm that is used to dealing with large agencies.”\u003c/p>\n\u003cp>Domingo said the city is open to considering newer technologies, but \"we have not discussed becoming your test base.\"\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/4vkmKK3EPxg'\n title='//www.youtube.com/embed/4vkmKK3EPxg'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003cp>Another area of confusion involves the length of time that routine video would be retained on cloud-based storage, which generally includes a per-gigabyte subscription cost. The city is asking vendors to provide cost estimates for 13- and 25-month terms.\u003c/p>\n\u003cp>The uncertainty is due in part to the department's lack of a finalized body-worn camera policy, which the city's Police Commission is currently deliberating, said SFPD Director of Information Technology Will Sanson-Mosier. He said part of the commission's decision on that point will stem from a cost/benefit analysis between the shorter and longer retention periods.\u003c/p>\n\u003cp>\"The numbers that you give in the 13-month versus 25-month [retention] will go a long way toward helping them determine that policy,\" he said.\u003c/p>\n\u003cp>The Police Department estimates approximately 20 percent of an estimated 720,000 hours of video recorded by officers per year will not be routine -- say, video that contains evidence from a homicide investigation or officer-involved shooting. That video would be retained indefinitely.\u003c/p>\n\u003cp>San Francisco Police Officers Association President Martin Halloran told KQED in a phone interview that the data retention is going to end up costing the city a lot more than it currently expects.\u003c/p>\n\u003cp>\"The city is going to find out, like other cities have found out, the cost of the body cameras -- not so much for the equipment, but for the storage of the footage -- is going to be astronomical,\" he said, referring to San Francisco's current $6 million budget for the program over the next two years. \"That's not going to be enough money for the policy that they want.\"\u003cbr>\n\u003c/p>\u003cp>\u003c/p>\u003cp>\u003cbr>\nSFPD Deputy Chief Mikail Ali told the vendors that the department hopes to finalize its policy by early 2016. Halloran said the Police Commission will forward its final version to the city's Department of Human Resources. Then DHR, the Police Department and the union will begin a meet-and-confer process.\u003c/p>\n\u003cp>\"We could be done by early 2016,\" Halloran said, but he added a caveat.\u003c/p>\n\u003cp>There is \u003ca href=\"http://www.sfgate.com/crime/article/Key-element-of-SF-police-body-camera-police-6481624.php\" target=\"_blank\">great controversy\u003c/a> over one provision in SFPD's draft policy, which currently would allow officers to view video footage of a critical incident, like an officer-involved shooting, before being interviewed by internal affairs investigators. Some stakeholder groups that helped create the draft, including the city's Public Defender's Office, want that point changed. They argue that it extends a double standard to police who could become criminal suspects.\u003c/p>\n\u003cp>But the union is adamant about keeping that policy point the way it is. Halloran said officers involved in shootings would stop making voluntary statements to internal affairs investigators if they are not allowed to view footage before interviews.\u003c/p>\n\u003cp>\"If in fact the draft policy does not allow members to view the footage, I guarantee I will not be signing off on that policy,\" he said, \"and it will end up in front of an arbitrator.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Representatives from 11 companies attended Wednesday's meeting. Neither Taser International nor Vievu, two of the biggest companies in the market, attended the conference.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/10716892/san-francisco-seeks-police-body-camera-vendor-continues-crafting-policy","authors":["3206"],"programs":["news_6944"],"categories":["news_6188","news_8","news_13"],"tags":["news_18002","news_2619","news_545"],"featImg":"news_10716895","label":"news_6944"},"news_10643170":{"type":"posts","id":"news_10643170","meta":{"index":"posts_1591205157","site":"news","id":"10643170","score":null,"sort":[1439582588000]},"guestAuthors":[],"slug":"inmate-with-stock-tips-wants-to-be-san-quentins-warren-buffett","title":"Inmate With Stock Tips Wants to Be San Quentin's Warren Buffett","publishDate":1439582588,"format":"standard","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>Curtis Carroll discovered the stock market in prison. Through friends and family on the outside, he invests from San Quentin State Prison in Northern California, and he's also an informal financial adviser to fellow inmates and correctional officers. Everyone in prison calls him Wall Street.\u003c/p>\n\u003cp>\"I couldn't believe that this kind of access to this type of money could be accessible to anybody. Everybody should do it. And it's legal!\" he says.\u003c/p>\n\u003cp>He pores over financial news: \u003cem>The\u003c/em> \u003cem>Wall Street Journal\u003c/em>, \u003cem>USA Today\u003c/em>, \u003cem>Forbes\u003c/em>. Business is like a soap opera, he says, and he's always trying to anticipate what will happen next. \"I like to know what the CEO's doing,\" he says. \"I like to know who's in trouble.\"\u003c/p>\n\u003cp>Carroll, 37, taught himself to read in prison. Raised in Oakland, he spent most of his youth homeless. His mother and grandmother were addicted to crack. He and his brother spent most of their time roaming the streets. Carroll didn't know how to read or write, so he paid other kids to do his homework. He hated school, and in his early teens, he fell into a gang and began committing crimes. At age 17, he entered the prison system. He's been in prison for 20 years, doing a sentence of 54 to life for his part in a robbery attempt that ended in a murder.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"http://www.npr.org/player/embed/431958714/432192433\" width=\"100%\" height=\"290\" frameborder=\"0\" scrolling=\"no\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>One day Carroll stumbled on the financial section of the newspaper thinking it was the sports section, which his cellmate used to read to him. Another inmate asked him if he played the stocks.\u003c/p>\n\u003cp>\"I had never heard the word before,\" says Carroll. \"He explained to me how it works and said, 'This is where white people keep their money.' When he said that I said, 'Whoa, I think I stumbled across something here.' \"\u003c/p>\n\u003cp>Carroll began with small investments known as penny stocks, which were high risk but successful enough to allow him to keep investing. He says he taught himself to read by looking at candy wrappers and clothing logos, and once he got the hang of it, he started to read financial stories. A former cellmate says he would study his stocks all night and into the early hours of the morning. And he often writes out stock predictions, taping them to the wall in an envelope, dating them and then checking back later to see how well he did.\u003c/p>\n\u003cp>Every Thursday night, Wall Street and a group of volunteers from outside the prison teach the men some of the principles of sound personal finance, stock investments, retirement and how to manage the money they do have — things most of the inmates have had no training in. Wall Street tells his theories to the assembled group. \"There's four steps,\" he says. \"Every person on this planet that has made money has mastered these four simple steps: savings, cost control, borrowing prudently and diversification.\"\u003c/p>\n\u003cp>The group is called Freeman Capital, and he co-founded it with fellow inmate Troy Williams. Williams says about 70 people attend the class each week.\u003c/p>\n\u003cp>Many of the prisoners serve decades-long sentences, and when they are released, they are given $200 and little to no knowledge of financial resources such as retirement funds.\u003c/p>\n\u003cp>\"It's like, 'Good luck. We're gonna pray for you. Stay out of prison,'\" says Williams, who is on parole from San Quentin State Prison after serving a life sentence. \"Who do you want coming home? Do you want the animal that's been caged away for years that's the same badass gang-banger that he was when he went to prison? Or do you want somebody that's coming home thinking differently?\"\u003c/p>\n\u003cp>Carroll doesn't have access to a computer or the Internet, so he calls his family members to check the closing prices for the day, and he tells them what to buy.\u003c/p>\n\u003cp>\"I'm in prison, but I'm on just the same playing field as Warren Buffett,\" Carroll says. \"I can pick the exact same companies. I can't buy as many shares, but technically we're just the same.\"\u003c/p>\n\u003cp>Word of Wall Street has leaked outside San Quentin. Small, community-based investment clubs have been reading about him online and are now seeking out his financial counsel, drawn to his strategies and his story. Wall Street, they say, has time they don't to study the market and get wise about money.\u003c/p>\n\u003cp>\"Overall, the goal is to get the money to give it back to the community,\" Carroll says. \"When I look at how Bill Gates and Warren Buffett give 90 percent of their wealth away, I thought, what better way than to go back and help the things I've destroyed?\"\u003c/p>\n\u003cp>At the end of his financial literacy lessons, he assigns his fellow inmates some homework: Call home and ask family members about their long-term financial plans.\u003c/p>\n\u003cp>\"I try to reiterate to the men that I'm not teaching you some for-sure plan. I'm just teaching you \u003cem>to\u003c/em> plan,\" Carroll says. \"It's fine to take the loss. I mean, it happens. You just know that it doesn't have to lead back into whatever you was doing, drugs or alcohol or crime or gangs.'\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This piece was produced in collaboration with \u003ca href=\"http://www.lifeofthelaw.org/\">Life of the Law\u003c/a>, a group of journalists, editors, producers and scholars working together to produce stories about the law.\u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2015 NPR. To see more, visit http://www.npr.org/.\u003cimg src=\"http://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Inmate+With+Stock+Tips+Wants+To+Be+San+Quentin%27s+Warren+Buffett&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\" alt=\"\">\u003c/div>\n\n","blocks":[],"excerpt":"Curtis Carroll taught himself to read in prison. He also discovered a passion for finance.","status":"publish","parent":0,"modified":1439937645,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":21,"wordCount":922},"headData":{"title":"Inmate With Stock Tips Wants to Be San Quentin's Warren Buffett | KQED","description":"Curtis Carroll taught himself to read in prison. He also discovered a passion for finance.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"10643170 http://ww2.kqed.org/news/?p=10643170","disqusUrl":"https://ww2.kqed.org/news/2015/08/14/inmate-with-stock-tips-wants-to-be-san-quentins-warren-buffett/","disqusTitle":"Inmate With Stock Tips Wants to Be San Quentin's Warren Buffett","nprByline":"\u003cstrong>\u003ca href=\"http://www.npr.org/people/5252035/the-kitchen-sisters\" target=\"_blank\">The Kitchen Sisters\u003c/a>\u003cbr />\u003ca href=\"http://www.npr.org/\" target=\"_blank\">NPR\u003c/a>\u003c/strong>","nprStoryId":"431958714","nprApiLink":"http://api.npr.org/query?id=431958714&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"http://www.npr.org/2015/08/14/431958714/inmate-with-stock-tips-wants-to-be-san-quentins-warren-buffet?ft=nprml&f=431958714","nprRetrievedStory":"1","nprPubDate":"Fri, 14 Aug 2015 14:20:00 -0400","nprStoryDate":"Fri, 14 Aug 2015 04:39:00 -0400","nprLastModifiedDate":"Fri, 14 Aug 2015 14:35:14 -0400","nprAudio":"http://pd.npr.org/anon.npr-mp3/npr/me/2015/08/20150814_me_inmate_with_stock_tips_wants_to_be_san_quentins_warren_buffet.mp3?orgId=1&topicId=1091&d=617&p=3&story=431958714&t=progseg&e=432180334&seg=10&ft=nprml&f=431958714","nprAudioM3u":"http://api.npr.org/m3u/1432192433-a904a2.m3u?orgId=1&topicId=1091&d=617&p=3&story=431958714&t=progseg&e=432180334&seg=10&ft=nprml&f=431958714","path":"/news/10643170/inmate-with-stock-tips-wants-to-be-san-quentins-warren-buffett","audioUrl":"http://pd.npr.org/anon.npr-mp3/npr/me/2015/08/20150814_me_inmate_with_stock_tips_wants_to_be_san_quentins_warren_buffet.mp3?orgId=1&topicId=1091&d=617&p=3&story=431958714&t=progseg&e=432180334&seg=10&ft=nprml&f=431958714","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Curtis Carroll discovered the stock market in prison. Through friends and family on the outside, he invests from San Quentin State Prison in Northern California, and he's also an informal financial adviser to fellow inmates and correctional officers. Everyone in prison calls him Wall Street.\u003c/p>\n\u003cp>\"I couldn't believe that this kind of access to this type of money could be accessible to anybody. Everybody should do it. And it's legal!\" he says.\u003c/p>\n\u003cp>He pores over financial news: \u003cem>The\u003c/em> \u003cem>Wall Street Journal\u003c/em>, \u003cem>USA Today\u003c/em>, \u003cem>Forbes\u003c/em>. Business is like a soap opera, he says, and he's always trying to anticipate what will happen next. \"I like to know what the CEO's doing,\" he says. \"I like to know who's in trouble.\"\u003c/p>\n\u003cp>Carroll, 37, taught himself to read in prison. Raised in Oakland, he spent most of his youth homeless. His mother and grandmother were addicted to crack. He and his brother spent most of their time roaming the streets. Carroll didn't know how to read or write, so he paid other kids to do his homework. He hated school, and in his early teens, he fell into a gang and began committing crimes. At age 17, he entered the prison system. He's been in prison for 20 years, doing a sentence of 54 to life for his part in a robbery attempt that ended in a murder.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"http://www.npr.org/player/embed/431958714/432192433\" width=\"100%\" height=\"290\" frameborder=\"0\" scrolling=\"no\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>One day Carroll stumbled on the financial section of the newspaper thinking it was the sports section, which his cellmate used to read to him. Another inmate asked him if he played the stocks.\u003c/p>\n\u003cp>\"I had never heard the word before,\" says Carroll. \"He explained to me how it works and said, 'This is where white people keep their money.' When he said that I said, 'Whoa, I think I stumbled across something here.' \"\u003c/p>\n\u003cp>Carroll began with small investments known as penny stocks, which were high risk but successful enough to allow him to keep investing. He says he taught himself to read by looking at candy wrappers and clothing logos, and once he got the hang of it, he started to read financial stories. A former cellmate says he would study his stocks all night and into the early hours of the morning. And he often writes out stock predictions, taping them to the wall in an envelope, dating them and then checking back later to see how well he did.\u003c/p>\n\u003cp>Every Thursday night, Wall Street and a group of volunteers from outside the prison teach the men some of the principles of sound personal finance, stock investments, retirement and how to manage the money they do have — things most of the inmates have had no training in. Wall Street tells his theories to the assembled group. \"There's four steps,\" he says. \"Every person on this planet that has made money has mastered these four simple steps: savings, cost control, borrowing prudently and diversification.\"\u003c/p>\n\u003cp>The group is called Freeman Capital, and he co-founded it with fellow inmate Troy Williams. Williams says about 70 people attend the class each week.\u003c/p>\n\u003cp>Many of the prisoners serve decades-long sentences, and when they are released, they are given $200 and little to no knowledge of financial resources such as retirement funds.\u003c/p>\n\u003cp>\"It's like, 'Good luck. We're gonna pray for you. Stay out of prison,'\" says Williams, who is on parole from San Quentin State Prison after serving a life sentence. \"Who do you want coming home? Do you want the animal that's been caged away for years that's the same badass gang-banger that he was when he went to prison? Or do you want somebody that's coming home thinking differently?\"\u003c/p>\n\u003cp>Carroll doesn't have access to a computer or the Internet, so he calls his family members to check the closing prices for the day, and he tells them what to buy.\u003c/p>\n\u003cp>\"I'm in prison, but I'm on just the same playing field as Warren Buffett,\" Carroll says. \"I can pick the exact same companies. I can't buy as many shares, but technically we're just the same.\"\u003c/p>\n\u003cp>Word of Wall Street has leaked outside San Quentin. Small, community-based investment clubs have been reading about him online and are now seeking out his financial counsel, drawn to his strategies and his story. Wall Street, they say, has time they don't to study the market and get wise about money.\u003c/p>\n\u003cp>\"Overall, the goal is to get the money to give it back to the community,\" Carroll says. \"When I look at how Bill Gates and Warren Buffett give 90 percent of their wealth away, I thought, what better way than to go back and help the things I've destroyed?\"\u003c/p>\n\u003cp>At the end of his financial literacy lessons, he assigns his fellow inmates some homework: Call home and ask family members about their long-term financial plans.\u003c/p>\n\u003cp>\"I try to reiterate to the men that I'm not teaching you some for-sure plan. I'm just teaching you \u003cem>to\u003c/em> plan,\" Carroll says. \"It's fine to take the loss. I mean, it happens. You just know that it doesn't have to lead back into whatever you was doing, drugs or alcohol or crime or gangs.'\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This piece was produced in collaboration with \u003ca href=\"http://www.lifeofthelaw.org/\">Life of the Law\u003c/a>, a group of journalists, editors, producers and scholars working together to produce stories about the law.\u003c/em>\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2015 NPR. To see more, visit http://www.npr.org/.\u003cimg src=\"http://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Inmate+With+Stock+Tips+Wants+To+Be+San+Quentin%27s+Warren+Buffett&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\" alt=\"\">\u003c/div>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/10643170/inmate-with-stock-tips-wants-to-be-san-quentins-warren-buffett","authors":["byline_news_10643170"],"programs":["news_6944"],"categories":["news_6188","news_8"],"tags":["news_2619","news_18","news_486","news_2376"],"featImg":"news_10643171","label":"news_6944"},"news_88311":{"type":"posts","id":"news_88311","meta":{"index":"posts_1591205157","site":"news","id":"88311","score":null,"sort":[1360093630000]},"guestAuthors":[],"slug":"calif-attorney-general-sues-standard-poors-over-mortgage-crisis","title":"Calif. Joins Lawsuits Against Standard & Poor's Over Mortgage Crisis","publishDate":1360093630,"format":"aside","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>California Attorney General Kamala Harris on Tuesday joined the U.S. Justice Department and 12 other states in suing Standard & Poor's credit rating agency for allegedly inflating its ratings of mortgage-backed securities.\u003c/p>\n\u003cfigure id=\"attachment_88318\" class=\"wp-caption alignright\" style=\"max-width: 335px\">\u003ca href=\"http://ww2.kqed.org/news/2013/02/05/calif-attorney-general-sues-standard-poors-over-mortgage-crisis/public-counsels-william-o-douglas-award-dinner-inside-3/\" rel=\"attachment wp-att-88318\">\u003cimg class=\"size-full wp-image-88318 \" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/02/Kamala-Harris-by-Kevin-Winter-Getty-Images-.jpg\" alt=\"Public Counsel's William O. Douglas Award Dinner - Inside\" width=\"335\" height=\"500\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Kamala Harris (Kevin Winter/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The suit claims that S&P's inaccurate ratings caused California's public pension funds and other investors to lose billions of dollars.\u003c/p>\n\u003cp>\"They misrepresented their objectivity and they were inaccurate in the way they measured the rating,\" Harris told KQED's Paul Lancour. \"So the lawsuit that we have filed makes claims under a number of theories that includes false claims and the False Claims Act. It is about false advertising, which S&P engaged in, and also about unfair competition.\"\u003c/p>\n\u003cp>\u003ca href=\"http://img.en25.com/Web/StandardPoorsRatings/DOJLawsuit.pdf\">In a written statement\u003c/a>, S&P denied inflating ratings and called the lawsuits \"meritless.\"\u003c/p>\n\u003cp>Investors relied on S&P and its competitors to rate these securities because they had access to only general descriptions of the assets backing their investments, which often included mortgages, Harris charged.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>California's public pension funds also relied on S&P because they are often required to buy securities that received the coveted \"AAA\" rating, signaling that the investment was top-tier and bore minimal risk.\u003c/p>\n\u003cp>The lawsuit alleges that, from 2004 to 2007, S&P systematically misrepresented to the public, the California Public Employees Retirement System (CalPERS) and the California State Teachers Retirement System (CalSTRS), that its ratings of structured finance securities were based on an objective analysis when they were actually influenced by S&P's economic interests.\u003c!--more-->\u003c/p>\n\u003cp>S&P responds that it reached the same conclusions as other ratings agencies and even the U.S. government:\u003c/p>\n\u003cblockquote>\u003cp>The fact is that S&P's ratings were based on the same subprime mortgage data available to the rest of the market – including U.S. Government officials who in 2007 publicly stated that problems in the subprime market appeared to be contained. Every CDO [credit default obligation] cited by the Department of Justice also independently received the same rating from another rating agency.\u003c/p>\u003c/blockquote>\n\u003cp>As evidence, Harris quoted emails from S&P executives in which they said their ratings were based on \"magic numbers\" and \"guesses.\"\u003c/p>\n\u003cp>In its statement, the ratings agency said the emails were not representative of the discussions it held.\u003c/p>\n\u003cblockquote>\u003cp>There was robust internal debate within S&P about how a rapidly deteriorating housing market might affect the CDOs -- and we applied the collective judgment of our committee-based system in good faith. The email excerpts cherry picked by DOJ have been taken out of context, are contradicted by other evidence, and do not reflect our culture, integrity or how we do business.\u003c/p>\u003c/blockquote>\n\u003cp>The complaint also says the company tried to suppress the development of new and more accurate ratings models.\u003c/p>\n\u003cp>In mid-2007, the housing bubble burst. After securities that S&P had deemed the least risky began defaulting, S&P downgraded many residential mortgage backed securities investments. The market collapsed, and of those securities issued in 2007, more than 90 percent were downgraded to junk status.\u003c/p>\n\u003cp>CalPERS and CalSTRS – two of the nation's largest institutional investors – lost approximately $1 billion, according to the lawsuit.\u003c/p>\n\u003cp>Other lawsuits by the federal government, 12 other states and the District of Columbia allege violations of the federal Financial Institutions Reform, Recovery and Enforcement Act and state unfair competition laws.\u003c/p>\n\u003cp>However, California's suit is unique because it is being filed not only under California's unfair competition laws but also under the state's False Claims Act. This suit includes a claim for triple damages – because when the state makes a purchase based on a false statement, the defendant is responsible for the amount lost times three.\u003c/p>\n\u003cp>The lawsuit arises from a 20-month investigation into the issuance and rating of mortgage-backed securities by Attorney General Harris's California Mortgage Fraud Strike Force, which she formed in May 2011 to comprehensively investigate misconduct in the mortgage industry. The Attorney General's additional efforts to investigate the mortgage crisis include securing an estimated $18 billion for California in the National Mortgage Settlement and sponsoring the California Homeowner Bill of Rights, a package of laws instituting permanent mortgage-related reforms.\u003c/p>\n\u003cp style=\"margin: 12px auto 6px auto;font-family: Helvetica,Arial,Sans-serif;font-style: normal;font-variant: normal;font-weight: normal;font-size: 14px;line-height: normal\">\u003ca title=\"View California's official complaint against Standard and Poor's on Scribd\" href=\"http://www.scribd.com/doc/124028453/California-s-official-complaint-against-Standard-Poor-s\">California's official complaint against Standard & Poor's\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.scribd.com/embeds/124028453/content?start_page=1&view_mode=scroll\" frameborder=\"0\" scrolling=\"no\" width=\"100%\" height=\"600\">\u003c/iframe>\u003c/p>\n\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1360106462,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":21,"wordCount":726},"headData":{"title":"Calif. Joins Lawsuits Against Standard & Poor's Over Mortgage Crisis | KQED","description":"California Attorney General Kamala Harris on Tuesday joined the U.S. Justice Department and 12 other states in suing Standard & Poor's credit rating agency for allegedly inflating its ratings of mortgage-backed securities. The suit claims that S&P's inaccurate ratings caused California's public pension funds and other investors to lose billions of dollars. "They misrepresented their","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"88311 http://ww2.kqed.org/news/?p=88311","disqusUrl":"https://ww2.kqed.org/news/2013/02/05/calif-attorney-general-sues-standard-poors-over-mortgage-crisis/","disqusTitle":"Calif. Joins Lawsuits Against Standard & Poor's Over Mortgage Crisis","path":"/news/88311/calif-attorney-general-sues-standard-poors-over-mortgage-crisis","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California Attorney General Kamala Harris on Tuesday joined the U.S. Justice Department and 12 other states in suing Standard & Poor's credit rating agency for allegedly inflating its ratings of mortgage-backed securities.\u003c/p>\n\u003cfigure id=\"attachment_88318\" class=\"wp-caption alignright\" style=\"max-width: 335px\">\u003ca href=\"http://ww2.kqed.org/news/2013/02/05/calif-attorney-general-sues-standard-poors-over-mortgage-crisis/public-counsels-william-o-douglas-award-dinner-inside-3/\" rel=\"attachment wp-att-88318\">\u003cimg class=\"size-full wp-image-88318 \" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/02/Kamala-Harris-by-Kevin-Winter-Getty-Images-.jpg\" alt=\"Public Counsel's William O. Douglas Award Dinner - Inside\" width=\"335\" height=\"500\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Kamala Harris (Kevin Winter/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The suit claims that S&P's inaccurate ratings caused California's public pension funds and other investors to lose billions of dollars.\u003c/p>\n\u003cp>\"They misrepresented their objectivity and they were inaccurate in the way they measured the rating,\" Harris told KQED's Paul Lancour. \"So the lawsuit that we have filed makes claims under a number of theories that includes false claims and the False Claims Act. It is about false advertising, which S&P engaged in, and also about unfair competition.\"\u003c/p>\n\u003cp>\u003ca href=\"http://img.en25.com/Web/StandardPoorsRatings/DOJLawsuit.pdf\">In a written statement\u003c/a>, S&P denied inflating ratings and called the lawsuits \"meritless.\"\u003c/p>\n\u003cp>Investors relied on S&P and its competitors to rate these securities because they had access to only general descriptions of the assets backing their investments, which often included mortgages, Harris charged.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>California's public pension funds also relied on S&P because they are often required to buy securities that received the coveted \"AAA\" rating, signaling that the investment was top-tier and bore minimal risk.\u003c/p>\n\u003cp>The lawsuit alleges that, from 2004 to 2007, S&P systematically misrepresented to the public, the California Public Employees Retirement System (CalPERS) and the California State Teachers Retirement System (CalSTRS), that its ratings of structured finance securities were based on an objective analysis when they were actually influenced by S&P's economic interests.\u003c!--more-->\u003c/p>\n\u003cp>S&P responds that it reached the same conclusions as other ratings agencies and even the U.S. government:\u003c/p>\n\u003cblockquote>\u003cp>The fact is that S&P's ratings were based on the same subprime mortgage data available to the rest of the market – including U.S. Government officials who in 2007 publicly stated that problems in the subprime market appeared to be contained. Every CDO [credit default obligation] cited by the Department of Justice also independently received the same rating from another rating agency.\u003c/p>\u003c/blockquote>\n\u003cp>As evidence, Harris quoted emails from S&P executives in which they said their ratings were based on \"magic numbers\" and \"guesses.\"\u003c/p>\n\u003cp>In its statement, the ratings agency said the emails were not representative of the discussions it held.\u003c/p>\n\u003cblockquote>\u003cp>There was robust internal debate within S&P about how a rapidly deteriorating housing market might affect the CDOs -- and we applied the collective judgment of our committee-based system in good faith. The email excerpts cherry picked by DOJ have been taken out of context, are contradicted by other evidence, and do not reflect our culture, integrity or how we do business.\u003c/p>\u003c/blockquote>\n\u003cp>The complaint also says the company tried to suppress the development of new and more accurate ratings models.\u003c/p>\n\u003cp>In mid-2007, the housing bubble burst. After securities that S&P had deemed the least risky began defaulting, S&P downgraded many residential mortgage backed securities investments. The market collapsed, and of those securities issued in 2007, more than 90 percent were downgraded to junk status.\u003c/p>\n\u003cp>CalPERS and CalSTRS – two of the nation's largest institutional investors – lost approximately $1 billion, according to the lawsuit.\u003c/p>\n\u003cp>Other lawsuits by the federal government, 12 other states and the District of Columbia allege violations of the federal Financial Institutions Reform, Recovery and Enforcement Act and state unfair competition laws.\u003c/p>\n\u003cp>However, California's suit is unique because it is being filed not only under California's unfair competition laws but also under the state's False Claims Act. This suit includes a claim for triple damages – because when the state makes a purchase based on a false statement, the defendant is responsible for the amount lost times three.\u003c/p>\n\u003cp>The lawsuit arises from a 20-month investigation into the issuance and rating of mortgage-backed securities by Attorney General Harris's California Mortgage Fraud Strike Force, which she formed in May 2011 to comprehensively investigate misconduct in the mortgage industry. The Attorney General's additional efforts to investigate the mortgage crisis include securing an estimated $18 billion for California in the National Mortgage Settlement and sponsoring the California Homeowner Bill of Rights, a package of laws instituting permanent mortgage-related reforms.\u003c/p>\n\u003cp style=\"margin: 12px auto 6px auto;font-family: Helvetica,Arial,Sans-serif;font-style: normal;font-variant: normal;font-weight: normal;font-size: 14px;line-height: normal\">\u003ca title=\"View California's official complaint against Standard and Poor's on Scribd\" href=\"http://www.scribd.com/doc/124028453/California-s-official-complaint-against-Standard-Poor-s\">California's official complaint against Standard & Poor's\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003ciframe src=\"http://www.scribd.com/embeds/124028453/content?start_page=1&view_mode=scroll\" frameborder=\"0\" scrolling=\"no\" width=\"100%\" height=\"600\">\u003c/iframe>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/88311/calif-attorney-general-sues-standard-poors-over-mortgage-crisis","authors":["1367"],"programs":["news_6944"],"categories":["news_1758"],"tags":["news_2619","news_1775","news_61","news_3822","news_3847","news_3823","news_19379"],"label":"news_6944"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. 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Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. 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You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. 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