The Bay Area's Your Home. What's the Real Story of Living Here?
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San Francisco's Black Leaders Call on City to Use Tax Funds for Reparations
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His work has appeared on Newsweek.com, Slate.com, CBSNews.com, MotherJones.com, DailyKos.com and NPR’s web site. Fiore’s political animation has appeared on CNN, Frontline, Bill Moyers Journal, Salon.com and cable and broadcast outlets across the globe.\r\n\r\nBeginning his professional life by drawing traditional political cartoons for newspapers, Fiore’s work appeared in publications ranging from the Washington Post to the Los Angeles Times. In the late 1990s, he began to experiment with animating political cartoons and, after a short stint at the San Jose Mercury News as their staff cartoonist, Fiore devoted all his energies to animation.\r\nGrowing up in California, Fiore also spent a good portion of his life in the backwoods of Idaho. It was this combination that shaped him politically. Mark majored in political science at Colorado College, where, in a perfect send-off for a cartoonist, he received his diploma in 1991 as commencement speaker Dick Cheney smiled approvingly.\r\nMark Fiore was awarded the Pulitzer Prize for political cartooning in 2010, a Robert F. Kennedy Journalism Award in 2004 and has twice received an Online Journalism Award for commentary from the Online News Association (2002, 2008). Fiore has received two awards for his work in new media from the National Cartoonists Society (2001, 2002), and in 2006 received The James Madison Freedom of Information Award from The Society of Professional Journalists.","avatar":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g","twitter":"MarkFiore","facebook":null,"instagram":"https://www.instagram.com/markfiore/?hl=en","linkedin":null,"sites":[{"site":"arts","roles":["contributor"]},{"site":"news","roles":["editor"]},{"site":"futureofyou","roles":["editor"]},{"site":"science","roles":["editor"]}],"headData":{"title":"Mark Fiore | KQED","description":"KQED News Cartoonist","ogImgSrc":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/fc4e2a612b15b67bad0c6f0e1db4ca9b?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/markfiore"},"dkatayama":{"type":"authors","id":"7240","meta":{"index":"authors_1591205172","id":"7240","found":true},"name":"Devin Katayama","firstName":"Devin","lastName":"Katayama","slug":"dkatayama","email":"dkatayama@kqed.org","display_author_email":true,"staff_mastheads":["news"],"title":"Editor of Talent and Development","bio":"Devin Katayama is former Editor of Talent and Development for KQED. 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He's worked as a senior talk show producer for WILL in Champaign-Urbana, Illinois, and was the founding producer and editor of \u003cem>Racist Sandwich\u003c/em>, a podcast about food, race, class, and gender. 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What's the Real Story of Living Here?","publishDate":1695157254,"format":"standard","headTitle":"The Bay Area’s Your Home. What’s the Real Story of Living Here? | KQED","labelTerm":{"site":"news"},"content":"\u003cp>Perhaps Jimmie Fails said it best in the 2019 film, \u003ca href=\"https://www.kqed.org/pop/112325/the-last-black-man-in-san-francisco-is-about-who-belongs-in-the-city\">\u003cem>The Last Black Man in San Francisco\u003c/em>\u003c/a>.\u003c/p>\n\u003cp>As he rides Muni, Fails — an actor who himself is a born-and-raised San Franciscan — overhears a conversation between two other passengers who are listing off their complaints about moving to and living in the city. One of them suggests that they move to Southern California. “The city is dead,” she says.\u003c/p>\n\u003cp>Fails interrupts their conversation. \u003ca href=\"https://www.youtube.com/watch?v=pAFI7NYLI5Y\">“You don’t get to hate San Francisco,” he says. “You don’t get to hate it unless you love it.”\u003c/a>\u003c/p>\n\u003cp>Living in the Bay Area is definitely \u003cem>not\u003c/em> always straightforward or easy. Ask anyone working two or even three jobs to afford their rent. Or someone who no longer feels safe parking their car to get groceries after being \u003ca href=\"https://www.kqed.org/news/11959799/how-to-avoid-a-car-break-in-bay-area\">robbed in a car break-in\u003c/a>.\u003c/p>\n\u003cp>But despite how complicated it is to live here, the Bay Area still inspires love and community for so many of us who call this place home — and don’t necessarily want the Bay’s story to always be told by national news outlets or online commentators who’ve never lived here.\u003c/p>\n\u003cp>So we want to know: What stories are not being told about the Bay Area? How do \u003cem>you\u003c/em> think the place we call home is misunderstood?\u003c/p>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What does the Bay mean to you?\u003c/h2>\n\u003cp>You could share:\u003c/p>\n\u003cul>\n\u003cli>Your favorite place in the Bay and what it means to you.\u003c/li>\n\u003cli>An aspect of living here that makes it worth it for you.\u003c/li>\n\u003cli>How you define your feelings for this place (even if they’re complex).\u003c/li>\n\u003cli>What you think the rest of the country should know about this place — that they haven’t already heard before.\u003c/li>\n\u003c/ul>\n\u003cp>You could see your answer featured on KQED.org, KQED’s social media or on KQED Public Radio. We’ll only use your email address to get back in touch with you if we have follow-up questions about what you tell us, or to sign you up for our News Daily email \u003cem>if\u003c/em> you check that box below.\u003c/p>\n\u003cp>[hearken id=\"11073\" src=\"https://modules.wearehearken.com/kqed/embed/11073.js\"]\u003c/p>\n\u003ch2>Why we’re asking\u003c/h2>\n\u003cp>\u003cstrong>The “doom loop” narrative\u003c/strong>\u003c/p>\n\u003cp>San Francisco, along with the rest of the Bay Area, has received significant coverage the past few years from national news outlets. And the focus is usually on crime, substance abuse and homelessness in the region.\u003c/p>\n\u003cp>On Fox News, \u003ca href=\"https://www.foxnews.com/video/6337046185112\">conservative commentators bash San Francisco as a “hellhole”\u003c/a> on the regular. And even Florida Gov. Ron DeSantis — an aspiring Republican presidential candidate — \u003ca href=\"https://abc7news.com/florida-governor-ron-desantis-san-francisco-gavin-newsom-2024-presidential-election/13408706/\">came to the city to film a campaign ad\u003c/a>, pointing to one littered street corner in the Tenderloin as proof that “the city … really collapsed.”\u003c/p>\n\u003cp>Even here at home, some folks have developed a pessimistic view of the Bay. Last month, \u003ca href=\"https://www.theguardian.com/us-news/2023/aug/29/san-francisco-doom-loop-tour-flop\">a San Francisco city commissioner organized a “doom loop” tour\u003c/a> that would show attendees the “squalor” of the city’s downtown. The event quickly attracted controversy, and less than 24 hours before it was due to take place, the tour was cancelled. The commissioner later resigned. For many residents, this was a sign that even some city leaders have adopted the narrative that San Francisco, and the Bay Area more generally, are on some sort of downward social and economic spiral — \u003ca href=\"https://www.sfgate.com/local/article/san-francisco-doom-loop-imprecise-thinkpieces-18106896.php\">the infamous, much-discussed “doom loop.”\u003c/a>\u003c/p>\n\u003cp>And yes, there \u003cem>are\u003c/em> tough realities we cannot gloss over. Cities across the Bay Area have seen a spike in certain types of crime since 2020, including retail theft and \u003ca href=\"https://www.kqed.org/news/11959477/car-break-ins-bay-area-glass-repair-what-to-do\">car break-ins, popularly known as “bipping.”\u003c/a>\u003c/p>\n\u003cp>Building affordable housing in the region — necessary to house working- and middle-class families — is still something that eludes political leaders, and many Bay Area cities are struggling to meet \u003ca href=\"https://www.gov.ca.gov/2022/11/04/governor-newsoms-newly-created-housing-accountability-unit-marks-first-year/#:~:text=Under%20Governor%20Newsom%2C%20for%20the,of%20which%20must%20be%20affordable\">the state’s housing goals\u003c/a>. And the continuation of the fentanyl epidemic is straining the capacity of public health officials \u003ca href=\"https://www.kqed.org/news/11894981/how-san-franciscos-street-overdose-response-team-is-trying-to-bring-clinical-care-to-the-streets\">to respond to the needs of those struggling with substance abuse\u003c/a>.\u003c/p>\n\u003cp>But it would be inaccurate to say that these very real problems are the only things that define the Bay Area.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cstrong>Resilience in community\u003c/strong>\u003c/p>\n\u003cp>As COVID-19 cases were quickly spiking in March 2020, the Bay Area set an example for the rest of the country by being the first metropolitan area to order residents to stay home. Across the region, \u003ca href=\"https://www.kqed.org/news/11909218/in-2020-mutual-aid-was-in-the-spotlight-how-are-organizers-holding-up-in-2022\">neighbors quickly came together to organize mutual aid efforts\u003c/a> to safely distribute groceries to the elderly and immunocompromised residents. In San Francisco, Oakland and San José, \u003ca href=\"https://www.kqed.org/news/11860883/trusted-leaders-are-fighting-covid-19-vaccine-fears-in-black-and-latino-communities\">public health officials partnered up with community organizers to design testing and vaccination programs\u003c/a> that would effectively serve the Bay Area’s diverse communities.\u003c/p>\n\u003cp>When the ownership of the Oakland A’s announced in April that the team would be moving to Las Vegas, fans processed the loss by quickly mobilizing a campaign to push the team owners to sell the team so it stays in Oakland. When the A’s played the San Francisco Giants at Oracle Park on July 25, \u003ca href=\"https://twitter.com/NBCSAuthentic/status/1684032890026467330\">the stadium erupted in “Sell the Team” chants taken up by both A’s and Giants fans alike\u003c/a>. And just last week, Oakland’s USL Championship soccer club, the Oakland Roots, announced that they raised $1 million in six hours \u003ca href=\"https://wefunder.com/oakland\">through a community investment campaign \u003c/a>that invites residents and fans to invest in the team.\u003c/p>\n\u003cp>Love for the Bay Area may be a hard-fought love.\u003c/p>\n\u003cp>And it’s one that’s complicated to explain to folks that have never lived here. That’s why we want to better understand the relationship you, as a Bay Area resident, have with your home — that mix of joy, frustration, affection and all. \u003ca href=\"#tellus\">Tell us: What does the Bay mean to you? \u003c/a>\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Headlines about the so-called 'doom loop' decline of cities like San Francisco might make you feel sometimes like you're reading about another world to the one you inhabit. That's why we want to pass the mic to you.","status":"publish","parent":0,"modified":1695163718,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":true,"hasPolis":false,"paragraphCount":23,"wordCount":998},"headData":{"title":"The Bay Area's Your Home. What's the Real Story of Living Here? | KQED","description":"Headlines about the so-called 'doom loop' decline of cities like San Francisco might make you feel sometimes like you're reading about another world to the one you inhabit. That's why we want to pass the mic to you.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"The Bay Area's Your Home. What's the Real Story of Living Here?","datePublished":"2023-09-19T21:00:54.000Z","dateModified":"2023-09-19T22:48:38.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"excludeFromSiteSearch":"Include","articleAge":"0","path":"/news/11960940/the-bay-areas-your-home-whats-the-real-story-of-living-here","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Perhaps Jimmie Fails said it best in the 2019 film, \u003ca href=\"https://www.kqed.org/pop/112325/the-last-black-man-in-san-francisco-is-about-who-belongs-in-the-city\">\u003cem>The Last Black Man in San Francisco\u003c/em>\u003c/a>.\u003c/p>\n\u003cp>As he rides Muni, Fails — an actor who himself is a born-and-raised San Franciscan — overhears a conversation between two other passengers who are listing off their complaints about moving to and living in the city. One of them suggests that they move to Southern California. “The city is dead,” she says.\u003c/p>\n\u003cp>Fails interrupts their conversation. \u003ca href=\"https://www.youtube.com/watch?v=pAFI7NYLI5Y\">“You don’t get to hate San Francisco,” he says. “You don’t get to hate it unless you love it.”\u003c/a>\u003c/p>\n\u003cp>Living in the Bay Area is definitely \u003cem>not\u003c/em> always straightforward or easy. Ask anyone working two or even three jobs to afford their rent. Or someone who no longer feels safe parking their car to get groceries after being \u003ca href=\"https://www.kqed.org/news/11959799/how-to-avoid-a-car-break-in-bay-area\">robbed in a car break-in\u003c/a>.\u003c/p>\n\u003cp>But despite how complicated it is to live here, the Bay Area still inspires love and community for so many of us who call this place home — and don’t necessarily want the Bay’s story to always be told by national news outlets or online commentators who’ve never lived here.\u003c/p>\n\u003cp>So we want to know: What stories are not being told about the Bay Area? How do \u003cem>you\u003c/em> think the place we call home is misunderstood?\u003c/p>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What does the Bay mean to you?\u003c/h2>\n\u003cp>You could share:\u003c/p>\n\u003cul>\n\u003cli>Your favorite place in the Bay and what it means to you.\u003c/li>\n\u003cli>An aspect of living here that makes it worth it for you.\u003c/li>\n\u003cli>How you define your feelings for this place (even if they’re complex).\u003c/li>\n\u003cli>What you think the rest of the country should know about this place — that they haven’t already heard before.\u003c/li>\n\u003c/ul>\n\u003cp>You could see your answer featured on KQED.org, KQED’s social media or on KQED Public Radio. We’ll only use your email address to get back in touch with you if we have follow-up questions about what you tell us, or to sign you up for our News Daily email \u003cem>if\u003c/em> you check that box below.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"hearken","attributes":{"named":{"id":"11073","src":"https://modules.wearehearken.com/kqed/embed/11073.js","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>Why we’re asking\u003c/h2>\n\u003cp>\u003cstrong>The “doom loop” narrative\u003c/strong>\u003c/p>\n\u003cp>San Francisco, along with the rest of the Bay Area, has received significant coverage the past few years from national news outlets. And the focus is usually on crime, substance abuse and homelessness in the region.\u003c/p>\n\u003cp>On Fox News, \u003ca href=\"https://www.foxnews.com/video/6337046185112\">conservative commentators bash San Francisco as a “hellhole”\u003c/a> on the regular. And even Florida Gov. Ron DeSantis — an aspiring Republican presidential candidate — \u003ca href=\"https://abc7news.com/florida-governor-ron-desantis-san-francisco-gavin-newsom-2024-presidential-election/13408706/\">came to the city to film a campaign ad\u003c/a>, pointing to one littered street corner in the Tenderloin as proof that “the city … really collapsed.”\u003c/p>\n\u003cp>Even here at home, some folks have developed a pessimistic view of the Bay. Last month, \u003ca href=\"https://www.theguardian.com/us-news/2023/aug/29/san-francisco-doom-loop-tour-flop\">a San Francisco city commissioner organized a “doom loop” tour\u003c/a> that would show attendees the “squalor” of the city’s downtown. The event quickly attracted controversy, and less than 24 hours before it was due to take place, the tour was cancelled. The commissioner later resigned. For many residents, this was a sign that even some city leaders have adopted the narrative that San Francisco, and the Bay Area more generally, are on some sort of downward social and economic spiral — \u003ca href=\"https://www.sfgate.com/local/article/san-francisco-doom-loop-imprecise-thinkpieces-18106896.php\">the infamous, much-discussed “doom loop.”\u003c/a>\u003c/p>\n\u003cp>And yes, there \u003cem>are\u003c/em> tough realities we cannot gloss over. Cities across the Bay Area have seen a spike in certain types of crime since 2020, including retail theft and \u003ca href=\"https://www.kqed.org/news/11959477/car-break-ins-bay-area-glass-repair-what-to-do\">car break-ins, popularly known as “bipping.”\u003c/a>\u003c/p>\n\u003cp>Building affordable housing in the region — necessary to house working- and middle-class families — is still something that eludes political leaders, and many Bay Area cities are struggling to meet \u003ca href=\"https://www.gov.ca.gov/2022/11/04/governor-newsoms-newly-created-housing-accountability-unit-marks-first-year/#:~:text=Under%20Governor%20Newsom%2C%20for%20the,of%20which%20must%20be%20affordable\">the state’s housing goals\u003c/a>. And the continuation of the fentanyl epidemic is straining the capacity of public health officials \u003ca href=\"https://www.kqed.org/news/11894981/how-san-franciscos-street-overdose-response-team-is-trying-to-bring-clinical-care-to-the-streets\">to respond to the needs of those struggling with substance abuse\u003c/a>.\u003c/p>\n\u003cp>But it would be inaccurate to say that these very real problems are the only things that define the Bay Area.\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>\u003cstrong>Resilience in community\u003c/strong>\u003c/p>\n\u003cp>As COVID-19 cases were quickly spiking in March 2020, the Bay Area set an example for the rest of the country by being the first metropolitan area to order residents to stay home. Across the region, \u003ca href=\"https://www.kqed.org/news/11909218/in-2020-mutual-aid-was-in-the-spotlight-how-are-organizers-holding-up-in-2022\">neighbors quickly came together to organize mutual aid efforts\u003c/a> to safely distribute groceries to the elderly and immunocompromised residents. In San Francisco, Oakland and San José, \u003ca href=\"https://www.kqed.org/news/11860883/trusted-leaders-are-fighting-covid-19-vaccine-fears-in-black-and-latino-communities\">public health officials partnered up with community organizers to design testing and vaccination programs\u003c/a> that would effectively serve the Bay Area’s diverse communities.\u003c/p>\n\u003cp>When the ownership of the Oakland A’s announced in April that the team would be moving to Las Vegas, fans processed the loss by quickly mobilizing a campaign to push the team owners to sell the team so it stays in Oakland. When the A’s played the San Francisco Giants at Oracle Park on July 25, \u003ca href=\"https://twitter.com/NBCSAuthentic/status/1684032890026467330\">the stadium erupted in “Sell the Team” chants taken up by both A’s and Giants fans alike\u003c/a>. And just last week, Oakland’s USL Championship soccer club, the Oakland Roots, announced that they raised $1 million in six hours \u003ca href=\"https://wefunder.com/oakland\">through a community investment campaign \u003c/a>that invites residents and fans to invest in the team.\u003c/p>\n\u003cp>Love for the Bay Area may be a hard-fought love.\u003c/p>\n\u003cp>And it’s one that’s complicated to explain to folks that have never lived here. That’s why we want to better understand the relationship you, as a Bay Area resident, have with your home — that mix of joy, frustration, affection and all. \u003ca href=\"#tellus\">Tell us: What does the Bay mean to you? \u003c/a>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11960940/the-bay-areas-your-home-whats-the-real-story-of-living-here","authors":["11708"],"categories":["news_31795","news_28250","news_8"],"tags":["news_32707","news_1386","news_18538","news_32848","news_27626","news_5605"],"featImg":"news_11961770","label":"news"},"news_11916026":{"type":"posts","id":"news_11916026","meta":{"index":"posts_1591205157","site":"news","id":"11916026","score":null,"sort":[1654516842000]},"guestAuthors":[],"slug":"no-the-reparations-task-force-report-isnt-a-watershed-moment-action-will-be","title":"No, the Reparations Task Force Report Isn't a 'Watershed Moment.' Action Will Be","publishDate":1654516842,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>[dropcap]L[/dropcap]uvVon Brown approached the microphone toward the end of the reparations listening session on May 28 in Oakland, exactly two weeks to the day since a white supremacist gunman walked into a grocery store in Buffalo, New York, and started shooting Black people.\u003c/p>\n\u003cp>Brown wanted to talk about her family and their lives on the Monterey Peninsula, the place she’s thought of as home for most of her life, the place she no longer recognizes.\u003c/p>\n\u003cp>Her mother was raised in Pacific Grove, one of three cities that make up the peninsula, which juts from California’s Central Coast like an unattached puzzle piece.\u003c/p>\n\u003cp>“There’s just a lot of Black history that’s here, not only in Monterey County, but all over California,” Brown told me last week, the day California’s Reparations Task Force released \u003ca href=\"https://oag.ca.gov/ab3121/reports\">its first report\u003c/a>. “It’s not preserved anymore.”\u003c/p>\n\u003cp>The nine-member task force — the first statewide body in the country to study institutional and systemic anti-Black racism, a wretchedness spawned from the horrors of chattel slavery — made several recommendations in the nearly 500-page report. Racism in this country is linked to income inequality, education inequality, mass incarceration and the widening racial wealth gap.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Here’s what the task force says is needed to achieve racial equity in California: housing grants, state-backed mortgages, higher pay and free health care, for starters. The preliminary recommendations included the establishment of an agency to address past and potential future harms, and to assist people in filing eligibility claims.\u003c/p>\n\u003cp>In March, the task force \u003ca href=\"https://www.kqed.org/news/11909471/unpacking-reparations-eligibility-in-california\">voted in favor of lineage-based reparations\u003c/a>, limiting eligibility to descendants of enslaved people or of free Black people living in the country in the 19th century. The group will release a comprehensive reparations plan next summer.\u003c/p>\n\u003cp>[aside label=\"Reparations in California\" link1=\"https://www.kqed.org/reparations,Explore why California launched the first-in-the-nation task force to study reparations for Black people\" hero=\"https://ww2.kqed.org/app/uploads/2022/02/RiCLandingPageGraphic-1020x574.png\"]Days before the report was released, inside the California Ballroom — a $300-an-hour art deco space used for weddings, conferences and family reunions on Franklin Street — the listening session, one of several planned this summer, was sparsely attended, with about four dozen people and as many more watching the livestream.\u003c/p>\n\u003cp>I was expecting a scene reminiscent of the movement to secure reparations for people of Japanese descent incarcerated during WWII, where \u003ca href=\"https://www.kqed.org/news/11906015/how-japanese-americans-in-the-bay-area-are-carrying-forward-the-legacy-of-reparations\">for three days people testified in a packed auditorium\u003c/a> at Golden Gate University in San Francisco, as my colleague Annelise Finney reported in February, marking the 80th year of the executive order that forced people, many American citizens, to abandon their jobs, schools and homes.\u003c/p>\n\u003cp>But this listening session was muted in comparison because, like the task force, which could produce a model for countrywide reparations, an argument must first be presented because the totality of America’s racist history isn’t taught in schools.\u003c/p>\n\u003cp>The road to racial equity in America starts in California, which entered the union as a free state in 1850.\u003c/p>\n\u003cp>In 1849, delegates met in Monterey to draft the state’s constitution, declaring California a free state where “neither slavery nor involuntary servitude, unless for punishment of crimes, shall ever be tolerated.” California's first governor, the repugnant racist Peter Hardeman Burnett, sanctioned campaigns to exterminate Indigenous populations. He also wanted to block Black people from entering the state.\u003c/p>\n\u003cp>It didn’t work out that way, but Black people have still had a hard row to hoe in California.\u003c/p>\n\u003cp>In the early 20th century, Black people arrived on the Monterey Peninsula as fieldworkers, putting down roots in Pacific Grove. Brown’s grandmother was part of the Great Migration of Black folks fleeing Jim Crow-era lynchings and white mob violence in Arkansas and other southern states. Brown said her family — aunts, uncles and cousins — lived on the same street.\u003c/p>\n\u003cfigure id=\"attachment_11916047\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"size-full wp-image-11916047\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut.jpg\" alt=\"A Black woman looks towards the camera while holding a card standing in front of a microphone\" width=\"1920\" height=\"1278\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-1536x1022.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">LuvVon Brown speaks during a reparations listening session at the California Ballroom in Oakland on May 28, 2022. Brown spoke about her family and their lives on the Monterey Peninsula, a place she no longer recognizes. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Fort Ord, an Army base overlooking Monterey Bay that closed in 1994, drew Black families from around the country, with many, including Brown's mother, settling in Seaside. Many areas of Monterey County, like Carmel and Del Rey Oaks, were off-limits because of restrictive housing covenants that barred Black people from owning property in certain areas, Brown said, citing “African Americans of Monterey County,” a history of the county by Jan Batiste Adkins.\u003c/p>\n\u003cp>History is about all that’s left of the robust Black life that once thrived in the county.\u003c/p>\n\u003cp>“It’s like when you go back there now, it’s completely different,” said Brown, 34, who believes that providing land should be a reparations priority. “It’s almost like every trace of the Black community is almost gone.”\u003c/p>\n\u003cp>The \u003ca href=\"https://www.zillow.com/seaside-ca/home-values/\">median home price in Seaside\u003c/a>, according to Zillow, an online real estate marketplace, is almost $800,000. Now a sales representative for a human resources management company, Brown graduated from Seaside High School in 2005. She then moved to Nashville, Tennessee. Many in her family, including her mother, followed, unable to sustain the high cost of living on the California coast. In the course of her lifetime, Brown has seen Black wealth evaporate in Seaside.\u003c/p>\n\u003cp>“It just doesn’t feel like home because all of the families that grew up there are gone,” said Brown, who moved to the Bay Area during the pandemic.\u003c/p>\n\u003cp>The Bay Area, while racially diverse, remains deeply segregated, according to analyses by researchers at UC Berkeley’s Othering and Belonging Institute. In \u003ca href=\"https://belonging.berkeley.edu/most-segregated-cities-bay-area-2020\">an October 2021 report\u003c/a> titled “The Most Segregated Cities and Neighborhoods in the San Francisco Bay Area,” researchers, using 2020 Census data, found “that the Bay Area is significantly more segregated than it was in 1970, 1980, or even 1990,” and said that eight of the nine counties “are more segregated as of 2020 than they were in 1970, and 7 of the 9 are more segregated in 2020 than they were in 1980.”\u003c/p>\n\u003cp>[aside postID=news_11878403 hero='https://ww2.kqed.org/app/uploads/sites/10/2021/06/Screen-Shot-2021-06-21-at-8.36.32-PM-e1624333298534.png']Oakland is home to six of the 10 most segregated Black neighborhoods in the Bay Area, neighborhoods that were established because of racist housing covenants and \u003ca href=\"https://www.kqed.org/lowdown/18486/redlining\">redlining\u003c/a>, the racist housing policy started during the New Deal that determined the loan-worthiness of neighborhoods across the country for government-backed mortgages using color-coded maps. If an area was redlined, more than likely that’s where Black people lived.\u003c/p>\n\u003cp>In Oakland, Black neighborhoods were torn apart, houses and businesses demolished, to make room for the interstate highways that connected white, suburban homeowners to the cities they fled. The Great Recession, sparked in part by the foreclosure crisis 14 years ago, caused the median net worth of Black households nationally to drop 43%, according to a \u003ca href=\"https://www.pewresearch.org/fact-tank/2014/12/12/racial-wealth-gaps-great-recession/\">2014 report by the Pew Research Center\u003c/a>, a nonpartisan think tank that conducts public opinion polling, demographic research and content analysis.\u003c/p>\n\u003cp>Many Black people just can’t afford to live in the cities they think of as home.\u003c/p>\n\u003cp>The \u003ca href=\"https://bayareaequityatlas.org/black-pop-bayarea\">Bay Area Equity Atlas\u003c/a>, a tool that tracks racial inequities, found that, on average, Black workers in the Bay Area earn about half of what white men earn. The median wage for Black women workers is $52,000, and Black men make $3,000 more, according to the Atlas, which used 2019 data. White men make $107,000, a figure that’s reinforced by the fact that only 33% of Black high school graduates are college-ready, compared to more than half of white graduates.\u003c/p>\n\u003cp>I reached out to Sarah Treuhaft, vice president of research at PolicyLink, a nonprofit research organization dedicated to advancing economic and social equity, to hear what the data tells us about the Bay Area.\u003c/p>\n\u003cp>“It tells me that structural racism persists in this region. If there was no structural racism, we would not see these differences in earnings by race and gender,” she said. “There is no other reason for them, and we still even see these disparities when we look at people who have the same level of education. So it shows that there is continuing wage discrimination in the labor market and pay discrimination by race.”\u003c/p>\n\u003cp>The state’s education system doesn’t provide equal opportunity, and we see it in the outcomes. Have you ever wondered how it is that 40% of the state’s unhoused population is Black while just 6.5% of the state’s population identifies as Black?\u003c/p>\n\u003cp>And get this: In Monterey County, the percentage of Black people who were unhoused was more than seven times higher than the county’s Black population, according to \u003ca href=\"https://chsp.org/monterey-and-san-benito-county-homeless-census-reports/\">the county’s 2019 homeless census\u003c/a>.\u003c/p>\n\u003cp>That’s systemic racism at work.\u003c/p>\n\u003cp>[aside label='More Reparations Coverage' tag='california-reparations']“We know that people of color are more likely to live in communities that do not have well-funded schools and go to school with other low-income families,” Treuhaft said. “That leads to differences in educational outcomes in high school. We really need to address segregation by race and income to get at the root of these issues.”\u003c/p>\n\u003cp>Black people, who were kidnapped and transported to America, are the only group that hasn’t received reparations for “state-sanctioned racial discrimination, while slavery afforded some white families the ability to accrue tremendous wealth,” Rashawn Ray and Andre M. Perry, two senior fellows at the Brookings Institution, a nonprofit public policy and research group, \u003ca href=\"https://www.brookings.edu/policy2020/bigideas/why-we-need-reparations-for-black-americans/\">wrote in an argument for reparations published a month into the pandemic\u003c/a>.\u003c/p>\n\u003cp>“In America, we have to admit that the United States was founded on the backs of slave labor that has never been repaid,” Ray, a sociologist, told me in an interview. “And so, collectively, all the research I’ve done suggests that the only way for us to truly heal and get past the stain of racism in America is to provide reparations to descendants of enslaved Black people, as well as to engage in reparations programs in states and specific localities to address housing.”\u003c/p>\n\u003cp>In 2018, Black Californians earned, on average, about $37,000 less than white Californians, according to the Associated Press, which \u003ca href=\"https://apnews.com/article/california-race-and-ethnicity-san-francisco-voter-registration-0cb66f61c4b9f0136c43a17408720d98\">hailed the reparations task force’s report\u003c/a> as a “watershed moment.”\u003c/p>\n\u003cp>It wasn't.\u003c/p>\n\u003cp>Let’s save the lofty declarations for when Gov. Gavin Newsom signs a bill that grants reparations.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"California's Reparations Task Force could produce a model for the nation. But amid widening inequities in a state where many Black people can't afford to live in the place they consider home, it's not time to celebrate, writes KQED's Otis Taylor Jr.","status":"publish","parent":0,"modified":1668623493,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":37,"wordCount":1843},"headData":{"title":"No, the Reparations Task Force Report Isn't a 'Watershed Moment.' Action Will Be | KQED","description":"California's Reparations Task Force could produce a model for the nation. But amid widening inequities in a state where many Black people can't afford to live in the place they consider home, it's not time to celebrate, writes KQED's Otis Taylor Jr.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"No, the Reparations Task Force Report Isn't a 'Watershed Moment.' Action Will Be","datePublished":"2022-06-06T12:00:42.000Z","dateModified":"2022-11-16T18:31:33.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11916026 https://ww2.kqed.org/news/?p=11916026","disqusUrl":"https://ww2.kqed.org/news/2022/06/06/no-the-reparations-task-force-report-isnt-a-watershed-moment-action-will-be/","disqusTitle":"No, the Reparations Task Force Report Isn't a 'Watershed Moment.' Action Will Be","source":"Commentary","audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/581b4cb4-a4b3-489b-9018-aeac010a1d21/audio.mp3","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11916026/no-the-reparations-task-force-report-isnt-a-watershed-moment-action-will-be","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003c/p>\u003cp>\u003cspan class=\"utils-parseShortcode-shortcodes-__dropcapShortcode__dropcap\">L\u003c/span>\u003c/p>\u003cp>uvVon Brown approached the microphone toward the end of the reparations listening session on May 28 in Oakland, exactly two weeks to the day since a white supremacist gunman walked into a grocery store in Buffalo, New York, and started shooting Black people.\u003c/p>\n\u003cp>Brown wanted to talk about her family and their lives on the Monterey Peninsula, the place she’s thought of as home for most of her life, the place she no longer recognizes.\u003c/p>\n\u003cp>Her mother was raised in Pacific Grove, one of three cities that make up the peninsula, which juts from California’s Central Coast like an unattached puzzle piece.\u003c/p>\n\u003cp>“There’s just a lot of Black history that’s here, not only in Monterey County, but all over California,” Brown told me last week, the day California’s Reparations Task Force released \u003ca href=\"https://oag.ca.gov/ab3121/reports\">its first report\u003c/a>. “It’s not preserved anymore.”\u003c/p>\n\u003cp>The nine-member task force — the first statewide body in the country to study institutional and systemic anti-Black racism, a wretchedness spawned from the horrors of chattel slavery — made several recommendations in the nearly 500-page report. Racism in this country is linked to income inequality, education inequality, mass incarceration and the widening racial wealth gap.\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>Here’s what the task force says is needed to achieve racial equity in California: housing grants, state-backed mortgages, higher pay and free health care, for starters. The preliminary recommendations included the establishment of an agency to address past and potential future harms, and to assist people in filing eligibility claims.\u003c/p>\n\u003cp>In March, the task force \u003ca href=\"https://www.kqed.org/news/11909471/unpacking-reparations-eligibility-in-california\">voted in favor of lineage-based reparations\u003c/a>, limiting eligibility to descendants of enslaved people or of free Black people living in the country in the 19th century. The group will release a comprehensive reparations plan next summer.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Reparations in California ","link1":"https://www.kqed.org/reparations,Explore why California launched the first-in-the-nation task force to study reparations for Black people","hero":"https://ww2.kqed.org/app/uploads/2022/02/RiCLandingPageGraphic-1020x574.png"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Days before the report was released, inside the California Ballroom — a $300-an-hour art deco space used for weddings, conferences and family reunions on Franklin Street — the listening session, one of several planned this summer, was sparsely attended, with about four dozen people and as many more watching the livestream.\u003c/p>\n\u003cp>I was expecting a scene reminiscent of the movement to secure reparations for people of Japanese descent incarcerated during WWII, where \u003ca href=\"https://www.kqed.org/news/11906015/how-japanese-americans-in-the-bay-area-are-carrying-forward-the-legacy-of-reparations\">for three days people testified in a packed auditorium\u003c/a> at Golden Gate University in San Francisco, as my colleague Annelise Finney reported in February, marking the 80th year of the executive order that forced people, many American citizens, to abandon their jobs, schools and homes.\u003c/p>\n\u003cp>But this listening session was muted in comparison because, like the task force, which could produce a model for countrywide reparations, an argument must first be presented because the totality of America’s racist history isn’t taught in schools.\u003c/p>\n\u003cp>The road to racial equity in America starts in California, which entered the union as a free state in 1850.\u003c/p>\n\u003cp>In 1849, delegates met in Monterey to draft the state’s constitution, declaring California a free state where “neither slavery nor involuntary servitude, unless for punishment of crimes, shall ever be tolerated.” California's first governor, the repugnant racist Peter Hardeman Burnett, sanctioned campaigns to exterminate Indigenous populations. He also wanted to block Black people from entering the state.\u003c/p>\n\u003cp>It didn’t work out that way, but Black people have still had a hard row to hoe in California.\u003c/p>\n\u003cp>In the early 20th century, Black people arrived on the Monterey Peninsula as fieldworkers, putting down roots in Pacific Grove. Brown’s grandmother was part of the Great Migration of Black folks fleeing Jim Crow-era lynchings and white mob violence in Arkansas and other southern states. Brown said her family — aunts, uncles and cousins — lived on the same street.\u003c/p>\n\u003cfigure id=\"attachment_11916047\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"size-full wp-image-11916047\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut.jpg\" alt=\"A Black woman looks towards the camera while holding a card standing in front of a microphone\" width=\"1920\" height=\"1278\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-1020x679.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2022/06/RS56289_037_KQED_OaklandReparationsListeningSession_05282022-qut-1536x1022.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">LuvVon Brown speaks during a reparations listening session at the California Ballroom in Oakland on May 28, 2022. Brown spoke about her family and their lives on the Monterey Peninsula, a place she no longer recognizes. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Fort Ord, an Army base overlooking Monterey Bay that closed in 1994, drew Black families from around the country, with many, including Brown's mother, settling in Seaside. Many areas of Monterey County, like Carmel and Del Rey Oaks, were off-limits because of restrictive housing covenants that barred Black people from owning property in certain areas, Brown said, citing “African Americans of Monterey County,” a history of the county by Jan Batiste Adkins.\u003c/p>\n\u003cp>History is about all that’s left of the robust Black life that once thrived in the county.\u003c/p>\n\u003cp>“It’s like when you go back there now, it’s completely different,” said Brown, 34, who believes that providing land should be a reparations priority. “It’s almost like every trace of the Black community is almost gone.”\u003c/p>\n\u003cp>The \u003ca href=\"https://www.zillow.com/seaside-ca/home-values/\">median home price in Seaside\u003c/a>, according to Zillow, an online real estate marketplace, is almost $800,000. Now a sales representative for a human resources management company, Brown graduated from Seaside High School in 2005. She then moved to Nashville, Tennessee. Many in her family, including her mother, followed, unable to sustain the high cost of living on the California coast. In the course of her lifetime, Brown has seen Black wealth evaporate in Seaside.\u003c/p>\n\u003cp>“It just doesn’t feel like home because all of the families that grew up there are gone,” said Brown, who moved to the Bay Area during the pandemic.\u003c/p>\n\u003cp>The Bay Area, while racially diverse, remains deeply segregated, according to analyses by researchers at UC Berkeley’s Othering and Belonging Institute. In \u003ca href=\"https://belonging.berkeley.edu/most-segregated-cities-bay-area-2020\">an October 2021 report\u003c/a> titled “The Most Segregated Cities and Neighborhoods in the San Francisco Bay Area,” researchers, using 2020 Census data, found “that the Bay Area is significantly more segregated than it was in 1970, 1980, or even 1990,” and said that eight of the nine counties “are more segregated as of 2020 than they were in 1970, and 7 of the 9 are more segregated in 2020 than they were in 1980.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11878403","hero":"https://ww2.kqed.org/app/uploads/sites/10/2021/06/Screen-Shot-2021-06-21-at-8.36.32-PM-e1624333298534.png","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Oakland is home to six of the 10 most segregated Black neighborhoods in the Bay Area, neighborhoods that were established because of racist housing covenants and \u003ca href=\"https://www.kqed.org/lowdown/18486/redlining\">redlining\u003c/a>, the racist housing policy started during the New Deal that determined the loan-worthiness of neighborhoods across the country for government-backed mortgages using color-coded maps. If an area was redlined, more than likely that’s where Black people lived.\u003c/p>\n\u003cp>In Oakland, Black neighborhoods were torn apart, houses and businesses demolished, to make room for the interstate highways that connected white, suburban homeowners to the cities they fled. The Great Recession, sparked in part by the foreclosure crisis 14 years ago, caused the median net worth of Black households nationally to drop 43%, according to a \u003ca href=\"https://www.pewresearch.org/fact-tank/2014/12/12/racial-wealth-gaps-great-recession/\">2014 report by the Pew Research Center\u003c/a>, a nonpartisan think tank that conducts public opinion polling, demographic research and content analysis.\u003c/p>\n\u003cp>Many Black people just can’t afford to live in the cities they think of as home.\u003c/p>\n\u003cp>The \u003ca href=\"https://bayareaequityatlas.org/black-pop-bayarea\">Bay Area Equity Atlas\u003c/a>, a tool that tracks racial inequities, found that, on average, Black workers in the Bay Area earn about half of what white men earn. The median wage for Black women workers is $52,000, and Black men make $3,000 more, according to the Atlas, which used 2019 data. White men make $107,000, a figure that’s reinforced by the fact that only 33% of Black high school graduates are college-ready, compared to more than half of white graduates.\u003c/p>\n\u003cp>I reached out to Sarah Treuhaft, vice president of research at PolicyLink, a nonprofit research organization dedicated to advancing economic and social equity, to hear what the data tells us about the Bay Area.\u003c/p>\n\u003cp>“It tells me that structural racism persists in this region. If there was no structural racism, we would not see these differences in earnings by race and gender,” she said. “There is no other reason for them, and we still even see these disparities when we look at people who have the same level of education. So it shows that there is continuing wage discrimination in the labor market and pay discrimination by race.”\u003c/p>\n\u003cp>The state’s education system doesn’t provide equal opportunity, and we see it in the outcomes. Have you ever wondered how it is that 40% of the state’s unhoused population is Black while just 6.5% of the state’s population identifies as Black?\u003c/p>\n\u003cp>And get this: In Monterey County, the percentage of Black people who were unhoused was more than seven times higher than the county’s Black population, according to \u003ca href=\"https://chsp.org/monterey-and-san-benito-county-homeless-census-reports/\">the county’s 2019 homeless census\u003c/a>.\u003c/p>\n\u003cp>That’s systemic racism at work.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More Reparations Coverage ","tag":"california-reparations"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“We know that people of color are more likely to live in communities that do not have well-funded schools and go to school with other low-income families,” Treuhaft said. “That leads to differences in educational outcomes in high school. We really need to address segregation by race and income to get at the root of these issues.”\u003c/p>\n\u003cp>Black people, who were kidnapped and transported to America, are the only group that hasn’t received reparations for “state-sanctioned racial discrimination, while slavery afforded some white families the ability to accrue tremendous wealth,” Rashawn Ray and Andre M. Perry, two senior fellows at the Brookings Institution, a nonprofit public policy and research group, \u003ca href=\"https://www.brookings.edu/policy2020/bigideas/why-we-need-reparations-for-black-americans/\">wrote in an argument for reparations published a month into the pandemic\u003c/a>.\u003c/p>\n\u003cp>“In America, we have to admit that the United States was founded on the backs of slave labor that has never been repaid,” Ray, a sociologist, told me in an interview. “And so, collectively, all the research I’ve done suggests that the only way for us to truly heal and get past the stain of racism in America is to provide reparations to descendants of enslaved Black people, as well as to engage in reparations programs in states and specific localities to address housing.”\u003c/p>\n\u003cp>In 2018, Black Californians earned, on average, about $37,000 less than white Californians, according to the Associated Press, which \u003ca href=\"https://apnews.com/article/california-race-and-ethnicity-san-francisco-voter-registration-0cb66f61c4b9f0136c43a17408720d98\">hailed the reparations task force’s report\u003c/a> as a “watershed moment.”\u003c/p>\n\u003cp>It wasn't.\u003c/p>\n\u003cp>Let’s save the lofty declarations for when Gov. Gavin Newsom signs a bill that grants reparations.\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/11916026/no-the-reparations-task-force-report-isnt-a-watershed-moment-action-will-be","authors":["11770"],"categories":["news_8"],"tags":["news_28272","news_18538","news_30652","news_27626","news_160","news_5605","news_29609","news_19216","news_2923","news_29608","news_28497"],"featImg":"news_11916075","label":"source_news_11916026"},"news_11899871":{"type":"posts","id":"news_11899871","meta":{"index":"posts_1591205157","site":"news","id":"11899871","score":null,"sort":[1640050222000]},"guestAuthors":[],"slug":"edd-begins-punitive-approach-by-forcing-some-recipients-to-pay-back-their-unemployment-benefits","title":"EDD Begins Punitive Approach by Forcing Some Recipients to Pay Back Their Unemployment Benefits","publishDate":1640050222,"format":"standard","headTitle":"CALmatters | KQED News","labelTerm":{"term":18481,"site":"news"},"content":"\u003cp>A new state policy may require nearly 900,000 Californians to return their unemployment benefits because they may not have been working or looking for work. But some researchers worry the clawback campaign could force people with lower incomes to pay back thousands of dollars they no longer have.\u003c/p>\n\u003cp>The state Economic Development Department began issuing notifications of the proof-of-work requirement last month to one-third of California’s 2.9 million Pandemic Unemployment Assistance recipients. The federal program, which ran from March 2020 and ended in September, was aimed at helping people who don’t usually qualify for unemployment benefits because they are freelancers or small-business owners.\u003c/p>\n\u003cp>The state is asking them to prove, retroactively, that they were working, or planning to work, prior to filing their unemployment claim. If they can’t provide documentation, they would be ineligible and asked to give the benefits back.\u003c/p>\n\u003cp>[aside postID=\"news_11888843\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2021/09/EDD-UNEMPLOYMENT-1020x680.jpg\"]A full repayment could be over $32,000 if a recipient received full benefits throughout the program. In addition, if a claimant offered false information, the state could impose a 30% penalty. Some experts are now suggesting giving recipients a pass even if they can’t prove their eligibility.\u003c/p>\n\u003cp>“We should be saying, ‘Look, if you got unemployment insurance benefits during that time, you’re fine,’” said Chris Hoene, executive director of the left-leaning California Budget and Policy Center based in Sacramento.\u003c/p>\n\u003cp>“If the concern is fraudulent claims,” he added, “then do the work to fix the administration of the system” instead of requiring recipients to prove they qualified for the benefits.\u003c/p>\n\u003cp>It’s not clear where lawmakers stand. Democratic Assemblymember Tom Daly of Anaheim, chair of the Assembly Insurance Committee, which has oversight of the EDD, did not return a request for comment. Assemblymember Chad Mayes of Yucca Valley, an independent serving as vice chair of the committee, also didn’t respond.\u003c/p>\n\u003cp>The chair and vice chair of the Senate Labor, Public Employment and Retirement Committee — Democrat Dave Cortese of San José and Republican Rosilicie Ochoa Bogh of Yucaipa — also did not respond to requests for comment.\u003cbr>\n[ad fullwidth]\u003cbr>\nThe EDD noted that the repayment policy is a federal requirement, passed by Congress in the Continued Assistance for Unemployment Workers Act in 2020. EDD acknowledges it can waive repayment if the overpayment was not the recipient’s fault or not fraudulent and if repayment would cause extraordinary hardship.\u003c/p>\n\u003cp>The new policy is an attempt to claw back \u003ca href=\"https://apnews.com/article/business-california-5ec16ebe5b5982a9531a7a3d5a45e93c\">an estimated $20 billion lost to fraudulent claims in California\u003c/a>. But McGregor Scott, a former U.S. attorney who has been leading a state investigation into unemployment fraud, \u003ca href=\"https://www.sacbee.com/news/california/article256487486.html\">doesn’t believe EDD’s repayment policy will recover much\u003c/a>.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Chris Hoene, California Budget and Policy Center\"]'If the concern is fraudulent claims, then do the work to fix the administration of the system.'[/pullquote]The state’s immense loss came after EDD, inundated with unemployment claims early in the pandemic, began expediting the process by waiving a proof-of-work requirement. Investigators have said the rollback allowed organized crime and incarcerated people to siphon money from the state through fraudulent claims.\u003c/p>\n\u003cp>Recipients who receive EDD notices must use \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm#SelfEmployment\">pay stubs, tax returns, business licenses or job offer letters\u003c/a> to prove they were employed or planned to be employed in the lead-up to filing their claim.\u003c/p>\n\u003cp>Those who filed on or after Jan. 31 have only 21 days to send documentation. Those who filed before that date, and received a payment after Dec. 27, 2020, have 90 days to comply.\u003c/p>\n\u003cp>“We probably need to implement this with compassion,” said Jesse Rothstein, a professor of public policy and economics at UC Berkeley. “We won’t be able to collect in every case.”\u003c/p>\n\u003cp>[aside label ='Related Coverage' tag='economy']Even before the pandemic, \u003ca href=\"https://www.unitedwaysca.org/realcost\">nearly 1 in 3 Californian households struggled to pay for basic necessities\u003c/a>, according to the United Ways of California. During the pandemic, a report from the Ludwig Institute for Shared Economic Prosperity found that 4.8 million Californians were seeking, but unable to find, full-time work that paid a living wage.\u003c/p>\n\u003cp>A recent report by Tipping Point Community, a nonprofit focused on alleviating poverty in the Bay Area, \u003ca href=\"https://www.mercurynews.com/2021/12/13/covid-didnt-increase-poverty-in-the-bay-area-new-report-says/\">estimated that 200,000 of the region’s residents were kept out of poverty\u003c/a> because of expanded support from government and charitable organizations.\u003c/p>\n\u003cp>“Without further bold action, we risk a ‘return to normal’ in terms of durable poverty and inequality,” said Tipping Point’s chief executive, Sam Cobbs. “We cannot afford to take that step backwards.”\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"California is requiring unemployment recipients to retroactively prove their work history, but experts say recipients with lower incomes could be forced to repay money they don't have.","status":"publish","parent":0,"modified":1640113052,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":817},"headData":{"title":"EDD Begins Punitive Approach by Forcing Some Recipients to Pay Back Their Unemployment Benefits | KQED","description":"California is requiring unemployment recipients to retroactively prove their work history, but experts say recipients with lower incomes could be forced to repay money they don't have.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"EDD Begins Punitive Approach by Forcing Some Recipients to Pay Back Their Unemployment Benefits","datePublished":"2021-12-21T01:30:22.000Z","dateModified":"2021-12-21T18:57:32.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11899871 https://ww2.kqed.org/news/?p=11899871","disqusUrl":"https://ww2.kqed.org/news/2021/12/20/edd-begins-punitive-approach-by-forcing-some-recipients-to-pay-back-their-unemployment-benefits/","disqusTitle":"EDD Begins Punitive Approach by Forcing Some Recipients to Pay Back Their Unemployment Benefits","nprByline":"\u003ca href=\"https://calmatters.org/author/jesse-bedayn/\">Jesse Bedayn\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11899871/edd-begins-punitive-approach-by-forcing-some-recipients-to-pay-back-their-unemployment-benefits","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>A new state policy may require nearly 900,000 Californians to return their unemployment benefits because they may not have been working or looking for work. But some researchers worry the clawback campaign could force people with lower incomes to pay back thousands of dollars they no longer have.\u003c/p>\n\u003cp>The state Economic Development Department began issuing notifications of the proof-of-work requirement last month to one-third of California’s 2.9 million Pandemic Unemployment Assistance recipients. The federal program, which ran from March 2020 and ended in September, was aimed at helping people who don’t usually qualify for unemployment benefits because they are freelancers or small-business owners.\u003c/p>\n\u003cp>The state is asking them to prove, retroactively, that they were working, or planning to work, prior to filing their unemployment claim. If they can’t provide documentation, they would be ineligible and asked to give the benefits back.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11888843","hero":"https://ww2.kqed.org/app/uploads/sites/10/2021/09/EDD-UNEMPLOYMENT-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>A full repayment could be over $32,000 if a recipient received full benefits throughout the program. In addition, if a claimant offered false information, the state could impose a 30% penalty. Some experts are now suggesting giving recipients a pass even if they can’t prove their eligibility.\u003c/p>\n\u003cp>“We should be saying, ‘Look, if you got unemployment insurance benefits during that time, you’re fine,’” said Chris Hoene, executive director of the left-leaning California Budget and Policy Center based in Sacramento.\u003c/p>\n\u003cp>“If the concern is fraudulent claims,” he added, “then do the work to fix the administration of the system” instead of requiring recipients to prove they qualified for the benefits.\u003c/p>\n\u003cp>It’s not clear where lawmakers stand. Democratic Assemblymember Tom Daly of Anaheim, chair of the Assembly Insurance Committee, which has oversight of the EDD, did not return a request for comment. Assemblymember Chad Mayes of Yucca Valley, an independent serving as vice chair of the committee, also didn’t respond.\u003c/p>\n\u003cp>The chair and vice chair of the Senate Labor, Public Employment and Retirement Committee — Democrat Dave Cortese of San José and Republican Rosilicie Ochoa Bogh of Yucaipa — also did not respond to requests for comment.\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>\u003cbr>\nThe EDD noted that the repayment policy is a federal requirement, passed by Congress in the Continued Assistance for Unemployment Workers Act in 2020. EDD acknowledges it can waive repayment if the overpayment was not the recipient’s fault or not fraudulent and if repayment would cause extraordinary hardship.\u003c/p>\n\u003cp>The new policy is an attempt to claw back \u003ca href=\"https://apnews.com/article/business-california-5ec16ebe5b5982a9531a7a3d5a45e93c\">an estimated $20 billion lost to fraudulent claims in California\u003c/a>. But McGregor Scott, a former U.S. attorney who has been leading a state investigation into unemployment fraud, \u003ca href=\"https://www.sacbee.com/news/california/article256487486.html\">doesn’t believe EDD’s repayment policy will recover much\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'If the concern is fraudulent claims, then do the work to fix the administration of the system.'","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Chris Hoene, California Budget and Policy Center","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The state’s immense loss came after EDD, inundated with unemployment claims early in the pandemic, began expediting the process by waiving a proof-of-work requirement. Investigators have said the rollback allowed organized crime and incarcerated people to siphon money from the state through fraudulent claims.\u003c/p>\n\u003cp>Recipients who receive EDD notices must use \u003ca href=\"https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm#SelfEmployment\">pay stubs, tax returns, business licenses or job offer letters\u003c/a> to prove they were employed or planned to be employed in the lead-up to filing their claim.\u003c/p>\n\u003cp>Those who filed on or after Jan. 31 have only 21 days to send documentation. Those who filed before that date, and received a payment after Dec. 27, 2020, have 90 days to comply.\u003c/p>\n\u003cp>“We probably need to implement this with compassion,” said Jesse Rothstein, a professor of public policy and economics at UC Berkeley. “We won’t be able to collect in every case.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related Coverage ","tag":"economy"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Even before the pandemic, \u003ca href=\"https://www.unitedwaysca.org/realcost\">nearly 1 in 3 Californian households struggled to pay for basic necessities\u003c/a>, according to the United Ways of California. During the pandemic, a report from the Ludwig Institute for Shared Economic Prosperity found that 4.8 million Californians were seeking, but unable to find, full-time work that paid a living wage.\u003c/p>\n\u003cp>A recent report by Tipping Point Community, a nonprofit focused on alleviating poverty in the Bay Area, \u003ca href=\"https://www.mercurynews.com/2021/12/13/covid-didnt-increase-poverty-in-the-bay-area-new-report-says/\">estimated that 200,000 of the region’s residents were kept out of poverty\u003c/a> because of expanded support from government and charitable organizations.\u003c/p>\n\u003cp>“Without further bold action, we risk a ‘return to normal’ in terms of durable poverty and inequality,” said Tipping Point’s chief executive, Sam Cobbs. “We cannot afford to take that step backwards.”\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>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11899871/edd-begins-punitive-approach-by-forcing-some-recipients-to-pay-back-their-unemployment-benefits","authors":["byline_news_11899871"],"categories":["news_1758","news_8"],"tags":["news_3651","news_18545","news_28339","news_28340","news_5605","news_30411","news_28879","news_631","news_30130","news_29254","news_27765"],"affiliates":["news_18481"],"featImg":"news_11899878","label":"news_18481"},"news_11866002":{"type":"posts","id":"news_11866002","meta":{"index":"posts_1591205157","site":"news","id":"11866002","score":null,"sort":[1616551477000]},"guestAuthors":[],"slug":"following-stocktons-lead-guaranteed-income-programs-to-launch-in-oakland-and-marin-county","title":"Following Stockton's Lead, Guaranteed Income Programs to Launch in Oakland and Marin County","publishDate":1616551477,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Oakland and Marin County this Tuesday became the latest jurisdictions in California to launch a guaranteed income program for hundreds of low-income residents, joining a growing progressive movement around the country that views direct cash payments as a crucial strategy in lifting families out of poverty.\u003c/p>\n\u003cp>Building on \u003ca href=\"https://www.kqed.org/news/11863446/like-being-able-to-breathe-stocktons-universal-basic-income-experiment-paid-off-study-finds\">a high-profile guaranteed income experiment\u003c/a> conducted in Stockton, the pilot programs in Marin County and Oakland will be among the first in the nation to send aid exclusively to residents of color.\u003c/p>\n\u003cp>“Our vision is an Oakland that has closed the racial wealth gap, and where all families thrive,\" Oakland Mayor Libby Schaaf said at a Tuesday morning press conference. \"We believe that guaranteed income is the most transformative policy that can achieve this vision and whose time has come.\"\u003c/p>\n\u003cp>A key premise of the basic income experiments is to let residents use the payments however they see fit, bucking the post-welfare reform trend of placing requirements or restrictions around government aid.\u003c/p>\n\u003cblockquote class=\"twitter-tweet\">\n\u003cp dir=\"ltr\" lang=\"en\">Boosted by Stockton’s results, our goal is to add to the body of evidence that unrestricted cash to our lowest-income residents – and particularly those who’ve suffered from historical racial inequity – can improve outcomes + change systems.\u003c/p>\n\u003cp>— Libby Schaaf (@LibbySchaaf) \u003ca href=\"https://twitter.com/LibbySchaaf/status/1374459810205241347?ref_src=twsrc%5Etfw\">March 23, 2021\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>\"Guaranteed income is based on the belief that those in poverty are best able to identify what they need to escape that poverty,\" said Oakland City Councilmember Loren Taylor. \"If someone is tethered to a life of poverty, we can’t untether them by tying them down with more strings.\"\u003c/p>\n\u003cp>The Oakland Resilient Families program will send $500 a month for 18 months to 600 families that identify as Black, Indigenous or as other people of color, chosen at random from a pool of applicants.\u003c/p>\n\u003cp>Half of the spots will be reserved for families with a household income at or below 50% of the area median income (roughly $65,000 a year for a family of four), with the other half for families earning below 138% of the federal poverty level (about $36,000 annually for a family of four).\u003c/p>\n\u003cp>Additionally, the participants will be split into two groups: one comprised of East Oakland residents and a separate group made up of residents from other parts of the city. Residents interested in applying for the basic income program can visit \u003ca href=\"https://oaklandresilientfamilies.org/faqs\">the website of Oakland Resilient Families\u003c/a>.\u003c/p>\n\u003cp>The program will be funded by donations, chiefly from the nonprofit Blue Meridian Partners.\u003c/p>\n\u003cp>Jesús Gerena, CEO of the Family Independence Initiative, an anti-poverty nonprofit, said $6.75 million has been raised so far to begin payments to families this spring.\u003c/p>\n\u003cp>Gerena affirmed that this initiative, with its explicit focus on racial disparities in a \u003ca href=\"https://www.ppic.org/publication/income-inequality-in-california/\" target=\"_blank\" rel=\"noopener noreferrer\">region beset by income inequality\u003c/a>, recognizes \"the value of our under-resourced communities and their contributions.\"\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003ch3>Cash Aid Paired With Social Services\u003c/h3>\n\u003cp>Hours after the Oakland announcement, the Marin County Board of Supervisors signed off on a guaranteed income program for dozens of low-income mothers of color.\u003c/p>\n\u003cp>On a 5-0 vote, the board agreed to spend $400,000 on a two-year pilot initiative, in partnership with the \u003ca href=\"https://www.marincf.org/\">Marin Community Foundation\u003c/a>.\u003c/p>\n\u003cp>Monthly payments of $1,000 would be sent to 125 women whose children are younger than 18.\u003c/p>\n\u003cp>Participants will be chosen at random, but program organizers said they are hoping to source candidates from four underserved areas of the county: Marin City, Novato, the Canal area in San Rafael and West Marin.\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Jonathan Logan, vice president of community engagement at Marin Community Foundation\"]'Philanthropy is at its best when it's testing out things, providing laboratories, if you will, to come up with great social policy or proof points that ultimately become policy.'[/pullquote]The novel feature of Marin's program is that the cash aid will be paired with optional wrap-around services for eligible mothers: The county's share of the investment will go to services such as job training and placement.\u003c/p>\n\u003cp>The county, along with MCF, is currently ironing out the details on how eligible residents can apply. \u003c/p>\n\u003cp>“We are still probably in the tail end of the design phase,\" said Barbara Clifton Zarate, director for economic opportunity at MCF.\u003c/p>\n\u003cp>\"The opportunity to test out and be part of new social policy is very exciting and it's the right thing for Marin County to do,\" said Supervisor Stephanie Moulton-Peters.\u003c/p>\n\u003cp>As in Oakland, the Marin payments are financed by significant private investment, mitigating any potential spending concerns on the part of local officials.\u003c/p>\n\u003cp>But Jonathan Logan, vice president of community engagement at MCF said the long-term goal is for the public sector to take an increasing role in funding guaranteed income.\u003c/p>\n\u003cp>\"Philanthropy is at its best when it's testing out things, providing laboratories, if you will, to come up with great social policy or proof points that ultimately become policy,\" he said.\u003c/p>\n\u003ch3>'An Investment Directly to Our People'\u003c/h3>\n\u003cp>Proposals to funnel basic income payments to residents have been \u003ca href=\"https://www.kqed.org/news/11643575/stockton-gets-ready-to-experiment-with-universal-basic-income\" target=\"_blank\" rel=\"noopener noreferrer\">floated for decades\u003c/a> — including by the \u003ca href=\"https://blackpower.web.unc.edu/2017/04/the-black-panthers-10-point-program/\" target=\"_blank\" rel=\"noopener noreferrer\">Black Panther Party\u003c/a> — but this policy idea \u003ca href=\"https://www.kqed.org/news/11818088/stockton-mayor-tubbs-how-residents-are-using-guaranteed-income-during-the-pandemic\">gathered momentum\u003c/a> when the city of Stockton took on a \u003ca href=\"https://www.kqed.org/news/11732253/stocktons-guaranteed-income-experiment-why-mayor-tubbs-is-doing-it\" target=\"_blank\" rel=\"noopener noreferrer\">two-year experiment\u003c/a> of sending $500 payments to residents.\u003c/p>\n\u003cp>[aside postID=\"news_11864244\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2021/03/iStock_daycare_01-1020x680.jpeg\"]Researchers found that recipients in Stockton had \u003ca href=\"https://www.kqed.org/news/11863446/like-being-able-to-breathe-stocktons-universal-basic-income-experiment-paid-off-study-finds\" target=\"_blank\" rel=\"noopener noreferrer\">increased rates of employment\u003c/a>, along with better physical and emotional health outcomes. And the cash payments seemed to stabilize fluctuations in household incomes from month to month.\u003c/p>\n\u003cp>The pilot in Stockton was spearheaded by the city's former mayor, Michael Tubbs, who has founded the advocacy group Mayors for a Guaranteed Income to encourage the policy's adoption across the country.\u003c/p>\n\u003cp>The promise of a universal basic income was a central plank of Democrat Andrew Yang's run for president in 2020. And the American Rescue Plan Act recently signed into law by President Biden relies on forms of direct aid including $1,400 checks for individuals and a child tax credit for parents.\u003c/p>\n\u003cp>Tubbs, who joined Mayor Schaaf Tuesday for the announcement, said, \"We truly believe the most important investment we can make as a government is an investment directly to our people.\"\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Lawmakers hope monthly payments, with no strings attached, will help close the region's racial wealth gap. ","status":"publish","parent":0,"modified":1623179039,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":29,"wordCount":1048},"headData":{"title":"Following Stockton's Lead, Guaranteed Income Programs to Launch in Oakland and Marin County | KQED","description":"Lawmakers hope monthly payments, with no strings attached, will help close the region's racial wealth gap. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Following Stockton's Lead, Guaranteed Income Programs to Launch in Oakland and Marin County","datePublished":"2021-03-24T02:04:37.000Z","dateModified":"2021-06-08T19:03:59.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11866002 https://ww2.kqed.org/news/?p=11866002","disqusUrl":"https://ww2.kqed.org/news/2021/03/23/following-stocktons-lead-guaranteed-income-programs-to-launch-in-oakland-and-marin-county/","disqusTitle":"Following Stockton's Lead, Guaranteed Income Programs to Launch in Oakland and Marin County","path":"/news/11866002/following-stocktons-lead-guaranteed-income-programs-to-launch-in-oakland-and-marin-county","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Oakland and Marin County this Tuesday became the latest jurisdictions in California to launch a guaranteed income program for hundreds of low-income residents, joining a growing progressive movement around the country that views direct cash payments as a crucial strategy in lifting families out of poverty.\u003c/p>\n\u003cp>Building on \u003ca href=\"https://www.kqed.org/news/11863446/like-being-able-to-breathe-stocktons-universal-basic-income-experiment-paid-off-study-finds\">a high-profile guaranteed income experiment\u003c/a> conducted in Stockton, the pilot programs in Marin County and Oakland will be among the first in the nation to send aid exclusively to residents of color.\u003c/p>\n\u003cp>“Our vision is an Oakland that has closed the racial wealth gap, and where all families thrive,\" Oakland Mayor Libby Schaaf said at a Tuesday morning press conference. \"We believe that guaranteed income is the most transformative policy that can achieve this vision and whose time has come.\"\u003c/p>\n\u003cp>A key premise of the basic income experiments is to let residents use the payments however they see fit, bucking the post-welfare reform trend of placing requirements or restrictions around government aid.\u003c/p>\n\u003cblockquote class=\"twitter-tweet\">\n\u003cp dir=\"ltr\" lang=\"en\">Boosted by Stockton’s results, our goal is to add to the body of evidence that unrestricted cash to our lowest-income residents – and particularly those who’ve suffered from historical racial inequity – can improve outcomes + change systems.\u003c/p>\n\u003cp>— Libby Schaaf (@LibbySchaaf) \u003ca href=\"https://twitter.com/LibbySchaaf/status/1374459810205241347?ref_src=twsrc%5Etfw\">March 23, 2021\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>\"Guaranteed income is based on the belief that those in poverty are best able to identify what they need to escape that poverty,\" said Oakland City Councilmember Loren Taylor. \"If someone is tethered to a life of poverty, we can’t untether them by tying them down with more strings.\"\u003c/p>\n\u003cp>The Oakland Resilient Families program will send $500 a month for 18 months to 600 families that identify as Black, Indigenous or as other people of color, chosen at random from a pool of applicants.\u003c/p>\n\u003cp>Half of the spots will be reserved for families with a household income at or below 50% of the area median income (roughly $65,000 a year for a family of four), with the other half for families earning below 138% of the federal poverty level (about $36,000 annually for a family of four).\u003c/p>\n\u003cp>Additionally, the participants will be split into two groups: one comprised of East Oakland residents and a separate group made up of residents from other parts of the city. Residents interested in applying for the basic income program can visit \u003ca href=\"https://oaklandresilientfamilies.org/faqs\">the website of Oakland Resilient Families\u003c/a>.\u003c/p>\n\u003cp>The program will be funded by donations, chiefly from the nonprofit Blue Meridian Partners.\u003c/p>\n\u003cp>Jesús Gerena, CEO of the Family Independence Initiative, an anti-poverty nonprofit, said $6.75 million has been raised so far to begin payments to families this spring.\u003c/p>\n\u003cp>Gerena affirmed that this initiative, with its explicit focus on racial disparities in a \u003ca href=\"https://www.ppic.org/publication/income-inequality-in-california/\" target=\"_blank\" rel=\"noopener noreferrer\">region beset by income inequality\u003c/a>, recognizes \"the value of our under-resourced communities and their contributions.\"\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>Cash Aid Paired With Social Services\u003c/h3>\n\u003cp>Hours after the Oakland announcement, the Marin County Board of Supervisors signed off on a guaranteed income program for dozens of low-income mothers of color.\u003c/p>\n\u003cp>On a 5-0 vote, the board agreed to spend $400,000 on a two-year pilot initiative, in partnership with the \u003ca href=\"https://www.marincf.org/\">Marin Community Foundation\u003c/a>.\u003c/p>\n\u003cp>Monthly payments of $1,000 would be sent to 125 women whose children are younger than 18.\u003c/p>\n\u003cp>Participants will be chosen at random, but program organizers said they are hoping to source candidates from four underserved areas of the county: Marin City, Novato, the Canal area in San Rafael and West Marin.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'Philanthropy is at its best when it's testing out things, providing laboratories, if you will, to come up with great social policy or proof points that ultimately become policy.'","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Jonathan Logan, vice president of community engagement at Marin Community Foundation","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The novel feature of Marin's program is that the cash aid will be paired with optional wrap-around services for eligible mothers: The county's share of the investment will go to services such as job training and placement.\u003c/p>\n\u003cp>The county, along with MCF, is currently ironing out the details on how eligible residents can apply. \u003c/p>\n\u003cp>“We are still probably in the tail end of the design phase,\" said Barbara Clifton Zarate, director for economic opportunity at MCF.\u003c/p>\n\u003cp>\"The opportunity to test out and be part of new social policy is very exciting and it's the right thing for Marin County to do,\" said Supervisor Stephanie Moulton-Peters.\u003c/p>\n\u003cp>As in Oakland, the Marin payments are financed by significant private investment, mitigating any potential spending concerns on the part of local officials.\u003c/p>\n\u003cp>But Jonathan Logan, vice president of community engagement at MCF said the long-term goal is for the public sector to take an increasing role in funding guaranteed income.\u003c/p>\n\u003cp>\"Philanthropy is at its best when it's testing out things, providing laboratories, if you will, to come up with great social policy or proof points that ultimately become policy,\" he said.\u003c/p>\n\u003ch3>'An Investment Directly to Our People'\u003c/h3>\n\u003cp>Proposals to funnel basic income payments to residents have been \u003ca href=\"https://www.kqed.org/news/11643575/stockton-gets-ready-to-experiment-with-universal-basic-income\" target=\"_blank\" rel=\"noopener noreferrer\">floated for decades\u003c/a> — including by the \u003ca href=\"https://blackpower.web.unc.edu/2017/04/the-black-panthers-10-point-program/\" target=\"_blank\" rel=\"noopener noreferrer\">Black Panther Party\u003c/a> — but this policy idea \u003ca href=\"https://www.kqed.org/news/11818088/stockton-mayor-tubbs-how-residents-are-using-guaranteed-income-during-the-pandemic\">gathered momentum\u003c/a> when the city of Stockton took on a \u003ca href=\"https://www.kqed.org/news/11732253/stocktons-guaranteed-income-experiment-why-mayor-tubbs-is-doing-it\" target=\"_blank\" rel=\"noopener noreferrer\">two-year experiment\u003c/a> of sending $500 payments to residents.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11864244","hero":"https://ww2.kqed.org/app/uploads/sites/10/2021/03/iStock_daycare_01-1020x680.jpeg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Researchers found that recipients in Stockton had \u003ca href=\"https://www.kqed.org/news/11863446/like-being-able-to-breathe-stocktons-universal-basic-income-experiment-paid-off-study-finds\" target=\"_blank\" rel=\"noopener noreferrer\">increased rates of employment\u003c/a>, along with better physical and emotional health outcomes. And the cash payments seemed to stabilize fluctuations in household incomes from month to month.\u003c/p>\n\u003cp>The pilot in Stockton was spearheaded by the city's former mayor, Michael Tubbs, who has founded the advocacy group Mayors for a Guaranteed Income to encourage the policy's adoption across the country.\u003c/p>\n\u003cp>The promise of a universal basic income was a central plank of Democrat Andrew Yang's run for president in 2020. And the American Rescue Plan Act recently signed into law by President Biden relies on forms of direct aid including $1,400 checks for individuals and a child tax credit for parents.\u003c/p>\n\u003cp>Tubbs, who joined Mayor Schaaf Tuesday for the announcement, said, \"We truly believe the most important investment we can make as a government is an investment directly to our people.\"\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>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11866002/following-stocktons-lead-guaranteed-income-programs-to-launch-in-oakland-and-marin-county","authors":["227"],"categories":["news_8"],"tags":["news_27626","news_28824","news_5096","news_5605","news_6905","news_3729","news_541","news_18","news_22418","news_19961"],"featImg":"news_11866181","label":"news"},"news_11852649":{"type":"posts","id":"news_11852649","meta":{"index":"posts_1591205157","site":"news","id":"11852649","score":null,"sort":[1608770748000]},"guestAuthors":[],"slug":"with-tandas-small-savings-become-an-economic-lifeline-during-the-pandemic","title":"With Tandas, Small Savings Become an Economic Lifeline During the Pandemic","publishDate":1608770748,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>\u003ca href=\"https://www.kqed.org/news/11854680/con-la-ayuda-de-las-tandas-los-pequenos-ahorros-se-transforman-en-un-linea-de-ayuda-durante-la-pandemia\">\u003cem>Leer en espa\u003cspan style=\"font-weight: 400\">ñol\u003c/span>\u003c/em>\u003c/a>\u003c/p>\n\u003cp>With great speed, Litnis pulls out several sets of shirts and pants from a box and starts folding them. She moves quickly around her new store located in San Francisco’s Mission District, keeping an eye on every detail. She plans to open up for the first time on Sunday, selling clothing, shoes and other accessories.\u003c/p>\n\u003cp>“This is a blessing. To have the opportunity to open up again despite everything,” Litnis says in Spanish. We’re only using her first name due to her immigration status.\u003c/p>\n\u003cp>This summer, \u003ca href=\"https://missionlocal.org/2020/07/2-alarm-fire-breaks-out-at-restaurant-on-mission-street/\">a fire broke out in a restaurant\u003c/a> neighboring her original store on Mission Street. While her particular store wasn’t damaged, her landlord asked her to leave, citing damages to the overall property from the fire. But finding a new site proved very difficult during the pandemic.\u003c/p>\n\u003cp>“With the restrictions and so many people without a job, we were losing so much already. Losing the store felt like a punch I couldn’t get back up from,” she explained.\u003c/p>\n\u003cp>Determined to open up her store again, but with limited cash on hand, she decided the best thing to do was wait. Her turn to collect the tanda was coming up.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Litnis']'With the restrictions and so many people without a job, we were losing so much already. Losing the store felt like a punch I couldn’t get back up from.'[/pullquote]\u003c/p>\n\u003cp>For more than five years, Litnis has participated in tandas, first learning about them in her native Honduras. Here in the U.S., her family comes together virtually each month and agrees on an amount each person will contribute to a pot. Each time, a different person in the group gets to keep the money in the pot, and everyone in the circle gets a turn.\u003c/p>\n\u003cp>The amount each participant receives will be equal to the total of what they’ve given each month. While the net gain is zero, the goal of a tanda is not to make a profit.\u003c/p>\n\u003cp>“I get to save money this way by putting away bit by bit an amount I don’t have upfront,” Litnis explains. “After it’s been my turn to receive the tanda, I keep paying my part each month until everyone in the circle has gotten their turn.”\u003c/p>\n\u003cp>When the tanda finally got to her, she invested the funds into a new locale on Folsom Street, just a few blocks away from her original store.\u003c/p>\n\u003cp>“There are so many expenses each month that I can only put away a little. But I wouldn’t have been able to start again during the pandemic without the help of my tanda,” she says.\u003c/p>\n\u003cp>Tandas, juntas, colectas and cundinas are only a few names in Spanish to describe people coming together to support each other financially without relying on banks. They’re not just popular within the Latino community, but with diasporas from all over the world as well — specifically with migrants who don’t have access to formal credit markets.\u003c/p>\n\u003cp>In the U.S., they’re also known as lending circles or clubs, and have become essential tools during the COVID-19 pandemic recession.\u003c/p>\n\u003cp>“We’ve seen that many clients use lending circles as a way to save during the pandemic,” says \u003ca href=\"https://missionassetfund.org/staff/\">Binh Ngo\u003c/a>, communications and engagement manager at Mission Asset Fund (MAF). Based in the Mission District, MAF \u003ca href=\"https://www.kqed.org/news/11785789/changing-lives-by-building-credit-history-one-microloan-at-a-time\">organizes its own lending circles\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11852669\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11852669 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Litnis' original store on Mission Street in San Francisco on Dec. 22, 2020. She now has the chance to reopen her business. 'This is a blessing. To have the opportunity to open up again despite everything,' she says. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Some cut back, others just hang on\u003c/h3>\n\u003cp>The coronavirus health restrictions and a drop in consumer spending have disproportionately affected small businesses and low-income households, specifically their ability to save. While the national personal savings rate shot up this year — 13.6% \u003ca href=\"https://www.bea.gov/data/income-saving/personal-saving-rate\">in October\u003c/a>, almost double from where it was this time last year — not everyone is saving equally.\u003c/p>\n\u003cp>While the richest households are cutting down on expenses, those with the least resources are using up more of their savings as the pandemic keeps dragging on.\u003c/p>\n\u003cp>Stay-at-home orders restrict the operations of high-risk businesses like restaurants and gyms, but also limit employment options for low-income workers. On the other hand, higher-paying white-collar employees have transitioned to working from home, reducing expenses for leisure and eating out.\u003c/p>\n\u003cp>The top quartile of income-earners in the U.S. cut down their spending by 9.2% in October when compared to the same time in 2019, \u003ca href=\"https://tracktherecovery.org/?nosplash=true\">according to data\u003c/a> gathered by Opportunity Insights, a Harvard-based research institute. Households at the bottom 25% of the income distribution have barely had the chance to cut down on spending — saving almost nothing in October 2020 compared to October 2019.\u003c/p>\n\u003cp>In California, both geography and income feed into this inequality. The data from Opportunity Insights \u003ca href=\"https://tracktherecovery.org/?nosplash=true\">for December\u003c/a> shows that in San Francisco, a city with a 2018 median income of $112,376, savings rose by 10.4%, but in places with a much lower median income, like Kern County ($51,579), spending went up instead, by 4.7%.\u003c/p>\n\u003cp>When higher earners spend less, smaller businesses are those that suffer the most, and with them their employees. Opportunity Insights \u003ca href=\"https://opportunityinsights.org/wp-content/uploads/2020/06/tracker-summary.pdf\">compared the revenue losses\u003c/a> of small businesses with the unemployment rates of low-income workers in New York City from January to April of this year and found a positive correlation between the two factors.\u003c/p>\n\u003cfigure id=\"attachment_11852672\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11852672\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Litnis' original store on Mission Street in San Francisco on Dec. 22, 2020. Even before losing her original shop, Litnis saw a drop in business. Like her, many small business owners had to limit their operations because of the state stay-at-home orders. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A drop in consumption at the top and the latest stay-at-home orders have created additional burdens to workers that were already struggling to keep up before COVID-19.\u003c/p>\n\u003cp>“Almost all I made before the pandemic went to rent and food before the pandemic. It’s the same case for the other people who are in my tanda,” Litnis says. “The little we can keep now, we have to make sure it counts.”\u003c/p>\n\u003cp>These expenses can pile up, especially during the holiday season. With unemployment still high, some people like Litnis are teaming up with family or friends to split up costs of gifts, repairs or just to cover the bills as an option, whether that is through the casual tanda or the more formalized lending circle.\u003c/p>\n\u003cp>If you’ve never done something like this, we looked for the best ways to start, while keeping in mind risks and accessibility.\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003ch3>Starting a tanda, while controlling the risks\u003c/h3>\n\u003cp>For Santa Clara County Deputy District Attorney \u003ca href=\"https://www.sccgov.org/sites/da/prosecution/DistrictAttorneyDepartments/Pages/Meet-the-%20Community%20Prosecution%20Team-.aspx\">Hugo Meza\u003c/a>, making sure people go about partaking in tandas safely is not just a part of his job, but also something close to his heart. Growing up, his mother participated in tandas with her coworkers at a printing press in the South Bay.\u003c/p>\n\u003cp>“That was a great way for my mom to save money. To learn how to save money. It was great when she got the pot for her and it was a good way to socialize with other people at work,” he says.\u003c/p>\n\u003cp>Now, some of the cases he investigates are tandas gone wrong: when the person organizing disappears with everyone’s contributions or a participant refuses to pay their part.\u003c/p>\n\u003cp>“There’s no section in the penal code here in California that prohibits people from organizing or partaking in a tanda. However, if the tanda doesn’t go according to plan or someone doesn’t keep up their end of the bargain, those acts related to a tanda could become illegal,” Meza explains.\u003c/p>\n\u003cp>While these kinds of issues with tandas are infrequent, Meza says there’s always a potential risk when exchanging money with a group.\u003c/p>\n\u003cp>“A big part of having a tanda is understanding that there exists the risks of being defrauded, risks that someone could take advantage of the people participating,” he says.\u003c/p>\n\u003cp>[aside tag=\"lending-circles,income-inequality\" label=\"more coverage\"]\u003c/p>\n\u003cp>But there are practices people considering a tanda can adopt to make it safer, Meza says, whether they are newbies or experienced.\u003c/p>\n\u003cp>First, make sure you are close with everyone in your tanda. If a friend or relative is organizing the tanda, check who else will participate.\u003c/p>\n\u003cp>“Keep that circle very close and tight-knit between people you know,” Meza says. Those close relationships can include coworkers, but Meza says it’s best to avoid people you’ve never met in-person or who work in another part of the country.\u003c/p>\n\u003cp>You could also ask those joining to share with the group their contact information, including address, email and even an emergency contact. Each participant could also share why they want to be part of the tanda, which can strengthen the relationships within the group.\u003c/p>\n\u003cp>Once you have your list, Meza suggests you keep it small. And you might want to do the same with the amount of money that tanda members will contribute. While a bigger individual contribution means a bigger pot, it also translates into a bigger risk.\u003c/p>\n\u003cp>“But if the amount is smaller, $50 or $100, your risk is a lot lower,” Meza says.\u003c/p>\n\u003cp>While the informal nature of tandas may appear attractive, Meza says it could be a good idea to add a bit of formality and draft up a document that clearly states out the participants and their roles — despite the fact that that may discourage some participants.\u003c/p>\n\u003cp>“It can be frowned upon to have a document or some kind of contract. Someone might think, ‘Well, if I’m putting my name and signature down, all this information or a copy of my ID, I might as well just go to a bank,’ ” he says.\u003c/p>\n\u003cp>But this document doesn’t have to be overly complex. And since not all tandas are the same — some can pay out each week, others every pay period — putting these distinctions down on paper can avoid possible mix-ups.\u003c/p>\n\u003cp>It’s the ground rules, Meza says: “How much money is going to be involved in the pot? When and how will the money be collected and distributed? What happens if someone doesn’t pay their amount, or someone doesn’t have the money that month?”\u003c/p>\n\u003cp>If someone does break the rules and refuses to amend their actions — or has run away with the tanda — the best thing to do at that point is contact the police. And remember: Just because you agreed to be part of a tanda does not mean that you agreed to be a victim of a possible scam.\u003c/p>\n\u003cp>Depending on how the investigation goes, the prosecution might decide to press charges of embezzlement against the suspect.\u003c/p>\n\u003cp>Meza adds that anyone can report an incident like this, regardless of their immigration status. The \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB54\">California Values Act\u003c/a> prohibits local police departments from sharing information on the immigration status of a victim with federal agencies like U.S. Immigration and Customs Enforcement.\u003c/p>\n\u003cp>“Here in San Jose at least, to us in law enforcement, we don’t care about your immigration status, a victim is a victim no matter where they come from. That information is not relevant at all and we don’t share it with any federal agencies,” Meza says.\u003c/p>\n\u003cfigure id=\"attachment_11852673\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11852673\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Mission Asset Fund (MAF) on Mission Street in San Francisco on Dec. 22, 2020. MAF organizes lending circles, a more formal version of a tanda, that can help participants improve their credit score. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Opting instead for a lending circle\u003c/h3>\n\u003cp>While the casual and quick nature of a tanda can be the perfect fit for some, others may be looking for a more structured alternative. That’s exactly the niche that lending circles intend to fill. Around half a dozen of these nonprofit organizations, like Mission Asset Fund, exist in the Bay Area.\u003c/p>\n\u003cp>The participants of a lending circle may not know one another before coming together, but MAF takes on the responsibility of electronically collecting payments each month, distributing the pot to the designated person and providing an accountability mechanism.\u003c/p>\n\u003cp>“We formalize the cultural practice so that every time someone makes a monthly payment, we report that payment activity to the three major U.S. [credit] bureaus. We do this without charging interest. It’s a very simple way for people to establish and improve their credit and save,” Ngo, from MAF, explains.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation='Binh Ngo, communications and engagement manager at Mission Asset Fund']'Folks don’t have to have a credit history to join our program. You don’t need a Social Security number to join the program.'[/pullquote]\u003c/p>\n\u003cp>To join a MAF lending circle, you’ll first have to fill out an online application, complete a financial education webinar and sign a promissory note. Once you’re matched with a group, you can discuss what the contribution amount will be. But when you join the lending circle, you’re technically borrowing from MAF — not from your group members. That’s what enables the organization to report your payment history to credit bureaus.\u003c/p>\n\u003cp>While there are a few more requirements to join a lending circle than a tanda, the process is still much simpler than getting a bank loan, especially for those without a bank account or legal immigration status.\u003c/p>\n\u003cp>“Folks don’t have to have a credit history to join our program. You don’t need a Social Security number to join the program,” Ngo says.\u003c/p>\n\u003cp>She points out that even if you don’t live in San Francisco, you can still participate in a lending circle. There are dozens of organizations across the country just like MAF that form part of the Lending Circles Network. The \u003ca href=\"https://lendingcircles.secure.force.com/PublicClientApplication\">Network's website\u003c/a> includes a searchable list of organizations sorted by ZIP code. And all Bay Area ZIP codes are eligible to enroll into one of MAF’s lending circles.\u003c/p>\n\u003cp>If you join a lending circle now, you probably won’t get your turn in the circle before the year ends. But, as Ngo points out, forming part of a lending circle can boost your long-term objectives, like improving your credit score to qualify for a car loan or mortgage.\u003c/p>\n\u003cp>“I would recommend that participants think deeply about their financial goals and what they hope to achieve by joining a lending circle,” she says.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Tandas, informal lending circles, are a helpful way to split up costs of gifts, repairs and bills during this economic downturn. Here's what you need to know to make sure your tanda is safe and accessible.","status":"publish","parent":0,"modified":1610508231,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":58,"wordCount":2521},"headData":{"title":"With Tandas, Small Savings Become an Economic Lifeline During the Pandemic | KQED","description":"Tandas, informal lending circles, are a helpful way to split up costs of gifts, repairs and bills during this economic downturn. Here's what you need to know to make sure your tanda is safe and accessible.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"With Tandas, Small Savings Become an Economic Lifeline During the Pandemic","datePublished":"2020-12-24T00:45:48.000Z","dateModified":"2021-01-13T03:23:51.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11852649 https://ww2.kqed.org/news/?p=11852649","disqusUrl":"https://ww2.kqed.org/news/2020/12/23/with-tandas-small-savings-become-an-economic-lifeline-during-the-pandemic/","disqusTitle":"With Tandas, Small Savings Become an Economic Lifeline During the Pandemic","path":"/news/11852649/with-tandas-small-savings-become-an-economic-lifeline-during-the-pandemic","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003ca href=\"https://www.kqed.org/news/11854680/con-la-ayuda-de-las-tandas-los-pequenos-ahorros-se-transforman-en-un-linea-de-ayuda-durante-la-pandemia\">\u003cem>Leer en espa\u003cspan style=\"font-weight: 400\">ñol\u003c/span>\u003c/em>\u003c/a>\u003c/p>\n\u003cp>With great speed, Litnis pulls out several sets of shirts and pants from a box and starts folding them. She moves quickly around her new store located in San Francisco’s Mission District, keeping an eye on every detail. She plans to open up for the first time on Sunday, selling clothing, shoes and other accessories.\u003c/p>\n\u003cp>“This is a blessing. To have the opportunity to open up again despite everything,” Litnis says in Spanish. We’re only using her first name due to her immigration status.\u003c/p>\n\u003cp>This summer, \u003ca href=\"https://missionlocal.org/2020/07/2-alarm-fire-breaks-out-at-restaurant-on-mission-street/\">a fire broke out in a restaurant\u003c/a> neighboring her original store on Mission Street. While her particular store wasn’t damaged, her landlord asked her to leave, citing damages to the overall property from the fire. But finding a new site proved very difficult during the pandemic.\u003c/p>\n\u003cp>“With the restrictions and so many people without a job, we were losing so much already. Losing the store felt like a punch I couldn’t get back up from,” she explained.\u003c/p>\n\u003cp>Determined to open up her store again, but with limited cash on hand, she decided the best thing to do was wait. Her turn to collect the tanda was coming up.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'With the restrictions and so many people without a job, we were losing so much already. Losing the store felt like a punch I couldn’t get back up from.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Litnis","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>For more than five years, Litnis has participated in tandas, first learning about them in her native Honduras. Here in the U.S., her family comes together virtually each month and agrees on an amount each person will contribute to a pot. Each time, a different person in the group gets to keep the money in the pot, and everyone in the circle gets a turn.\u003c/p>\n\u003cp>The amount each participant receives will be equal to the total of what they’ve given each month. While the net gain is zero, the goal of a tanda is not to make a profit.\u003c/p>\n\u003cp>“I get to save money this way by putting away bit by bit an amount I don’t have upfront,” Litnis explains. “After it’s been my turn to receive the tanda, I keep paying my part each month until everyone in the circle has gotten their turn.”\u003c/p>\n\u003cp>When the tanda finally got to her, she invested the funds into a new locale on Folsom Street, just a few blocks away from her original store.\u003c/p>\n\u003cp>“There are so many expenses each month that I can only put away a little. But I wouldn’t have been able to start again during the pandemic without the help of my tanda,” she says.\u003c/p>\n\u003cp>Tandas, juntas, colectas and cundinas are only a few names in Spanish to describe people coming together to support each other financially without relying on banks. They’re not just popular within the Latino community, but with diasporas from all over the world as well — specifically with migrants who don’t have access to formal credit markets.\u003c/p>\n\u003cp>In the U.S., they’re also known as lending circles or clubs, and have become essential tools during the COVID-19 pandemic recession.\u003c/p>\n\u003cp>“We’ve seen that many clients use lending circles as a way to save during the pandemic,” says \u003ca href=\"https://missionassetfund.org/staff/\">Binh Ngo\u003c/a>, communications and engagement manager at Mission Asset Fund (MAF). Based in the Mission District, MAF \u003ca href=\"https://www.kqed.org/news/11785789/changing-lives-by-building-credit-history-one-microloan-at-a-time\">organizes its own lending circles\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11852669\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"wp-image-11852669 size-medium\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46461_014_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Litnis' original store on Mission Street in San Francisco on Dec. 22, 2020. She now has the chance to reopen her business. 'This is a blessing. To have the opportunity to open up again despite everything,' she says. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Some cut back, others just hang on\u003c/h3>\n\u003cp>The coronavirus health restrictions and a drop in consumer spending have disproportionately affected small businesses and low-income households, specifically their ability to save. While the national personal savings rate shot up this year — 13.6% \u003ca href=\"https://www.bea.gov/data/income-saving/personal-saving-rate\">in October\u003c/a>, almost double from where it was this time last year — not everyone is saving equally.\u003c/p>\n\u003cp>While the richest households are cutting down on expenses, those with the least resources are using up more of their savings as the pandemic keeps dragging on.\u003c/p>\n\u003cp>Stay-at-home orders restrict the operations of high-risk businesses like restaurants and gyms, but also limit employment options for low-income workers. On the other hand, higher-paying white-collar employees have transitioned to working from home, reducing expenses for leisure and eating out.\u003c/p>\n\u003cp>The top quartile of income-earners in the U.S. cut down their spending by 9.2% in October when compared to the same time in 2019, \u003ca href=\"https://tracktherecovery.org/?nosplash=true\">according to data\u003c/a> gathered by Opportunity Insights, a Harvard-based research institute. Households at the bottom 25% of the income distribution have barely had the chance to cut down on spending — saving almost nothing in October 2020 compared to October 2019.\u003c/p>\n\u003cp>In California, both geography and income feed into this inequality. The data from Opportunity Insights \u003ca href=\"https://tracktherecovery.org/?nosplash=true\">for December\u003c/a> shows that in San Francisco, a city with a 2018 median income of $112,376, savings rose by 10.4%, but in places with a much lower median income, like Kern County ($51,579), spending went up instead, by 4.7%.\u003c/p>\n\u003cp>When higher earners spend less, smaller businesses are those that suffer the most, and with them their employees. Opportunity Insights \u003ca href=\"https://opportunityinsights.org/wp-content/uploads/2020/06/tracker-summary.pdf\">compared the revenue losses\u003c/a> of small businesses with the unemployment rates of low-income workers in New York City from January to April of this year and found a positive correlation between the two factors.\u003c/p>\n\u003cfigure id=\"attachment_11852672\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11852672\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46451_001_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Litnis' original store on Mission Street in San Francisco on Dec. 22, 2020. Even before losing her original shop, Litnis saw a drop in business. Like her, many small business owners had to limit their operations because of the state stay-at-home orders. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A drop in consumption at the top and the latest stay-at-home orders have created additional burdens to workers that were already struggling to keep up before COVID-19.\u003c/p>\n\u003cp>“Almost all I made before the pandemic went to rent and food before the pandemic. It’s the same case for the other people who are in my tanda,” Litnis says. “The little we can keep now, we have to make sure it counts.”\u003c/p>\n\u003cp>These expenses can pile up, especially during the holiday season. With unemployment still high, some people like Litnis are teaming up with family or friends to split up costs of gifts, repairs or just to cover the bills as an option, whether that is through the casual tanda or the more formalized lending circle.\u003c/p>\n\u003cp>If you’ve never done something like this, we looked for the best ways to start, while keeping in mind risks and accessibility.\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>Starting a tanda, while controlling the risks\u003c/h3>\n\u003cp>For Santa Clara County Deputy District Attorney \u003ca href=\"https://www.sccgov.org/sites/da/prosecution/DistrictAttorneyDepartments/Pages/Meet-the-%20Community%20Prosecution%20Team-.aspx\">Hugo Meza\u003c/a>, making sure people go about partaking in tandas safely is not just a part of his job, but also something close to his heart. Growing up, his mother participated in tandas with her coworkers at a printing press in the South Bay.\u003c/p>\n\u003cp>“That was a great way for my mom to save money. To learn how to save money. It was great when she got the pot for her and it was a good way to socialize with other people at work,” he says.\u003c/p>\n\u003cp>Now, some of the cases he investigates are tandas gone wrong: when the person organizing disappears with everyone’s contributions or a participant refuses to pay their part.\u003c/p>\n\u003cp>“There’s no section in the penal code here in California that prohibits people from organizing or partaking in a tanda. However, if the tanda doesn’t go according to plan or someone doesn’t keep up their end of the bargain, those acts related to a tanda could become illegal,” Meza explains.\u003c/p>\n\u003cp>While these kinds of issues with tandas are infrequent, Meza says there’s always a potential risk when exchanging money with a group.\u003c/p>\n\u003cp>“A big part of having a tanda is understanding that there exists the risks of being defrauded, risks that someone could take advantage of the people participating,” he says.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"lending-circles,income-inequality","label":"more coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But there are practices people considering a tanda can adopt to make it safer, Meza says, whether they are newbies or experienced.\u003c/p>\n\u003cp>First, make sure you are close with everyone in your tanda. If a friend or relative is organizing the tanda, check who else will participate.\u003c/p>\n\u003cp>“Keep that circle very close and tight-knit between people you know,” Meza says. Those close relationships can include coworkers, but Meza says it’s best to avoid people you’ve never met in-person or who work in another part of the country.\u003c/p>\n\u003cp>You could also ask those joining to share with the group their contact information, including address, email and even an emergency contact. Each participant could also share why they want to be part of the tanda, which can strengthen the relationships within the group.\u003c/p>\n\u003cp>Once you have your list, Meza suggests you keep it small. And you might want to do the same with the amount of money that tanda members will contribute. While a bigger individual contribution means a bigger pot, it also translates into a bigger risk.\u003c/p>\n\u003cp>“But if the amount is smaller, $50 or $100, your risk is a lot lower,” Meza says.\u003c/p>\n\u003cp>While the informal nature of tandas may appear attractive, Meza says it could be a good idea to add a bit of formality and draft up a document that clearly states out the participants and their roles — despite the fact that that may discourage some participants.\u003c/p>\n\u003cp>“It can be frowned upon to have a document or some kind of contract. Someone might think, ‘Well, if I’m putting my name and signature down, all this information or a copy of my ID, I might as well just go to a bank,’ ” he says.\u003c/p>\n\u003cp>But this document doesn’t have to be overly complex. And since not all tandas are the same — some can pay out each week, others every pay period — putting these distinctions down on paper can avoid possible mix-ups.\u003c/p>\n\u003cp>It’s the ground rules, Meza says: “How much money is going to be involved in the pot? When and how will the money be collected and distributed? What happens if someone doesn’t pay their amount, or someone doesn’t have the money that month?”\u003c/p>\n\u003cp>If someone does break the rules and refuses to amend their actions — or has run away with the tanda — the best thing to do at that point is contact the police. And remember: Just because you agreed to be part of a tanda does not mean that you agreed to be a victim of a possible scam.\u003c/p>\n\u003cp>Depending on how the investigation goes, the prosecution might decide to press charges of embezzlement against the suspect.\u003c/p>\n\u003cp>Meza adds that anyone can report an incident like this, regardless of their immigration status. The \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB54\">California Values Act\u003c/a> prohibits local police departments from sharing information on the immigration status of a victim with federal agencies like U.S. Immigration and Customs Enforcement.\u003c/p>\n\u003cp>“Here in San Jose at least, to us in law enforcement, we don’t care about your immigration status, a victim is a victim no matter where they come from. That information is not relevant at all and we don’t share it with any federal agencies,” Meza says.\u003c/p>\n\u003cfigure id=\"attachment_11852673\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11852673\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/12/RS46460_013_KQED_SanFrancisco_Tandas_12222020-qut.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Mission Asset Fund (MAF) on Mission Street in San Francisco on Dec. 22, 2020. MAF organizes lending circles, a more formal version of a tanda, that can help participants improve their credit score. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>Opting instead for a lending circle\u003c/h3>\n\u003cp>While the casual and quick nature of a tanda can be the perfect fit for some, others may be looking for a more structured alternative. That’s exactly the niche that lending circles intend to fill. Around half a dozen of these nonprofit organizations, like Mission Asset Fund, exist in the Bay Area.\u003c/p>\n\u003cp>The participants of a lending circle may not know one another before coming together, but MAF takes on the responsibility of electronically collecting payments each month, distributing the pot to the designated person and providing an accountability mechanism.\u003c/p>\n\u003cp>“We formalize the cultural practice so that every time someone makes a monthly payment, we report that payment activity to the three major U.S. [credit] bureaus. We do this without charging interest. It’s a very simple way for people to establish and improve their credit and save,” Ngo, from MAF, explains.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'Folks don’t have to have a credit history to join our program. You don’t need a Social Security number to join the program.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Binh Ngo, communications and engagement manager at Mission Asset Fund","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>To join a MAF lending circle, you’ll first have to fill out an online application, complete a financial education webinar and sign a promissory note. Once you’re matched with a group, you can discuss what the contribution amount will be. But when you join the lending circle, you’re technically borrowing from MAF — not from your group members. That’s what enables the organization to report your payment history to credit bureaus.\u003c/p>\n\u003cp>While there are a few more requirements to join a lending circle than a tanda, the process is still much simpler than getting a bank loan, especially for those without a bank account or legal immigration status.\u003c/p>\n\u003cp>“Folks don’t have to have a credit history to join our program. You don’t need a Social Security number to join the program,” Ngo says.\u003c/p>\n\u003cp>She points out that even if you don’t live in San Francisco, you can still participate in a lending circle. There are dozens of organizations across the country just like MAF that form part of the Lending Circles Network. The \u003ca href=\"https://lendingcircles.secure.force.com/PublicClientApplication\">Network's website\u003c/a> includes a searchable list of organizations sorted by ZIP code. And all Bay Area ZIP codes are eligible to enroll into one of MAF’s lending circles.\u003c/p>\n\u003cp>If you join a lending circle now, you probably won’t get your turn in the circle before the year ends. But, as Ngo points out, forming part of a lending circle can boost your long-term objectives, like improving your credit score to qualify for a car loan or mortgage.\u003c/p>\n\u003cp>“I would recommend that participants think deeply about their financial goals and what they hope to achieve by joining a lending circle,” she says.\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>\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/11852649/with-tandas-small-savings-become-an-economic-lifeline-during-the-pandemic","authors":["11708"],"categories":["news_8"],"tags":["news_5096","news_5605","news_28961","news_28962","news_28844","news_20920","news_28959","news_28960"],"featImg":"news_11852652","label":"news"},"news_11817808":{"type":"posts","id":"news_11817808","meta":{"index":"posts_1591205157","site":"news","id":"11817808","score":null,"sort":[1589364052000]},"guestAuthors":[],"slug":"how-virtual-learning-exposed-inequities-in-education","title":"How Virtual Learning Exposed Inequities In Education","publishDate":1589364052,"format":"audio","headTitle":"How Virtual Learning Exposed Inequities In Education | KQED","labelTerm":{},"content":"\u003cp>Around 1.2 million California students lack adequate access to the internet right now, despite the fact that public schools have moved classes online. That’s created a tough scenario for teachers who have a harder time keeping tabs on students, and some educators are worried about what this means to education inequities that existed long before COVID-19.\u003c/p>\n\u003cp>Guest: \u003ca href=\"https://www.kqed.org/author/jmcevoy\">Julia McEvoy\u003c/a>, senior editor for KQED’s education and equity desk\u003c/p>\n\u003cp>\u003cem>The Bay won a Regional Edward R. Murrow Award for Excellence in Innovation! Listen to our episode, \u003ca href=\"https://www.kqed.org/news/11784071/in-latino-heavy-sonoma-a-tiny-radio-station-relays-critical-fire-information-in-indigenous-languages\">“The Tiny Radio Station Relaying Critical Kincade Fire Information in Indigenous Languages.”\u003c/a> Congratulations to KQED for winning six regional Murrow awards this year!\u003c/em>\u003c/p>\n\u003cp>\u003cem>We’re hosting a live (virtual) taping of The Bay on Wednesday, May 13 at 5:30 pm. RSVP for free \u003ca href=\"https://www.eventbrite.com/e/the-bay-virtual-live-podcast-tickets-103873283788?aff=erelexpmlt\">\u003cstrong>here\u003c/strong>\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1700694205,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":6,"wordCount":141},"headData":{"title":"How Virtual Learning Exposed Inequities In Education | KQED","description":"Around 1.2 million California students lack adequate access to the internet right now, despite the fact that public schools have moved classes online. That's created a tough scenario for teachers who have a harder time keeping tabs on students, and some educators are worried about what this means to education inequities that existed long before","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"How Virtual Learning Exposed Inequities In Education","datePublished":"2020-05-13T10:00:52.000Z","dateModified":"2023-11-22T23:03:25.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"The Bay","sourceUrl":"https://www.kqed.org/podcasts/thebay","audioUrl":"https://traffic.megaphone.fm/KQINC1655093431.mp3","path":"/news/11817808/how-virtual-learning-exposed-inequities-in-education","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Around 1.2 million California students lack adequate access to the internet right now, despite the fact that public schools have moved classes online. That’s created a tough scenario for teachers who have a harder time keeping tabs on students, and some educators are worried about what this means to education inequities that existed long before COVID-19.\u003c/p>\n\u003cp>Guest: \u003ca href=\"https://www.kqed.org/author/jmcevoy\">Julia McEvoy\u003c/a>, senior editor for KQED’s education and equity desk\u003c/p>\n\u003cp>\u003cem>The Bay won a Regional Edward R. Murrow Award for Excellence in Innovation! Listen to our episode, \u003ca href=\"https://www.kqed.org/news/11784071/in-latino-heavy-sonoma-a-tiny-radio-station-relays-critical-fire-information-in-indigenous-languages\">“The Tiny Radio Station Relaying Critical Kincade Fire Information in Indigenous Languages.”\u003c/a> Congratulations to KQED for winning six regional Murrow awards this year!\u003c/em>\u003c/p>\n\u003cp>\u003cem>We’re hosting a live (virtual) taping of The Bay on Wednesday, May 13 at 5:30 pm. RSVP for free \u003ca href=\"https://www.eventbrite.com/e/the-bay-virtual-live-podcast-tickets-103873283788?aff=erelexpmlt\">\u003cstrong>here\u003c/strong>\u003c/a>.\u003c/em>\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/11817808/how-virtual-learning-exposed-inequities-in-education","authors":["7240","231","8654","11649"],"programs":["news_28779"],"categories":["news_8","news_33520"],"tags":["news_27504","news_20013","news_5605","news_22598"],"featImg":"news_11817809","label":"source_news_11817808"},"news_11790609":{"type":"posts","id":"news_11790609","meta":{"index":"posts_1591205157","site":"news","id":"11790609","score":null,"sort":[1576099724000]},"guestAuthors":[],"slug":"san-franciscos-black-leaders-call-on-city-to-use-tax-funds-for-reparations","title":"San Francisco's Black Leaders Call on City to Use Tax Funds for Reparations","publishDate":1576099724,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Leaders of San Francisco's African American community are calling on the city to use income from hotel and marijuana taxes to pay reparations to black residents.\u003c/p>\n\u003cp>The funds would be used to make amends for the city's historic discrimination against African Americans that led to the displacement of much of the former black community, according to the NAACP San Francisco branch, which is leading the effort.\u003c/p>\n\u003cp>“Here we are at the end of 2019, and in San Francisco blacks are still suffering from the fallout of the human degradation of slavery and the treatment of their ancestors as tools and not human beings,\" said the Rev. Amos Brown, the San Francisco NAACP's president and pastor of the Third Baptist Church. Brown addressed a small rally of supporters Tuesday in front of City Hall in advance of the Board of Supervisors meeting, where members of the group advocated for the reparations proposal.\u003c/p>\n\u003cp>[pullquote size='medium' align='right' citation=\"Dan Daniels, Sr., NAACP\"]'The majority of black folks that live here are on welfare and struggling and being forced out of a community that most of them grew up in.'[/pullquote]\u003c/p>\n\u003cp>Brown said he was inspired by city leaders in Evanston, Illinois, who pushed lawmakers to approve the first \u003ca href=\"https://www.washingtonpost.com/nation/2019/12/02/evanston-illinois-reparations-plan-african-americans-is-marijuana-tax/\" target=\"_blank\" rel=\"noopener noreferrer\">reparations legislation\u003c/a> in the nation earlier this month. That plan will funnel tax revenue from recently legalized marijuana sales into a reparations fund aimed at creating additional opportunities for black people in the Chicago suburb.\u003c/p>\n\u003cp>“We have all these billionaires in San Francisco,” Brown said. “It looks like somebody ought to have a heart to say: ‘We are going to do what we did for the Japanese, what we did for the Jews in Germany.’ That was reparations. The same thing can be done for African Americans.”\u003c/p>\n\u003cp>The NAACP wants to use the additional tax revenue to fund new tutoring and mentoring programs and other support services for the city's black public school students, many of whom, it says, face unique challenges to academic success, including elevated rates of depression and other mental health issues that stem from high rates of poverty and violence in their communities.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The group is also asking that taxes be used to help support former black residents of San Francisco who have been displaced because of widespread gentrification and urban renewal projects, and to fund a new housing lottery system that would give black residents preference in the city's nonprofit, public and affordable housing developments. Additionally, the group is pushing to restore the historically black Fillmore District, in the city's Western Addition, to the \"vibrant black community\" it once was by investing in new black-owned businesses and cultural institutions.\u003c/p>\n\u003cp>[aside postID=arts_13859508,arts_13858829 label='Related Stories']“San Francisco at that time, particularly Western Addition, was filled with families, thousands of families, that lived here and worked here and paid taxes here,” said Maddie Scott, who lost her son to gun violence in 1996. “And then the violence happened. The guns and drugs were dumped in our neighborhoods and that's when all hell broke loose. And now here we are, 22 years later, and families now can't even afford to live here.”\u003c/p>\n\u003cp>This local reparations effort comes amid a \u003ca href=\"https://www.nytimes.com/2019/05/23/business/economy/reparations-slavery.html\" target=\"_blank\" rel=\"noopener noreferrer\">national campaign\u003c/a> to compensate black Americans for the suffering they experienced under slavery and subsequent racial injustices. The issue has been raised during recent presidential debates, and several Democratic hopefuls, including Sen. Elizabeth Warren of Massachusetts, Sen. Cory Booker of New Jersey and former Housing and Urban Development Secretary Julián Castro, have declared their support for legislation that would commission a study on reparations.\u003c/p>\n\u003cp>San Francisco, the NAACP emphasized, is one of the wealthiest cities in the nation, and has an obligation to address its ongoing failure to provide equal opportunity to black residents, who have been forced out in droves. The group notes that African Americans today make up less than 5% of the city's population, down from about 13% in the 1970s. And while an estimated 10% of all San Francisco residents live in poverty, that rate hovers above 30% for its black residents, according to \u003ca href=\"https://sfgov.org/scorecards/safety-net/poverty-san-francisco\" target=\"_blank\" rel=\"noopener noreferrer\">city figures\u003c/a> from 2018.\u003c/p>\n\u003cp>Reparations could help the city's remaining black population stay here and flourish, the group said.\u003c/p>\n\u003cp>“Right now the numbers are so low. And it's all by design,” said Dan Daniels Sr., coastal area director of the NAACP's California & Hawaii State Conference. “They've done it through racism, through rent control, through other initiatives that have been designed, allegedly designed, to improve the quality of life for citizens of San Francisco. But it has not helped black folks. The majority of black folks that live here are on welfare and struggling and being forced out of a community that most of them grew up in.”\u003c/p>\n\u003cp>Supervisors Hillary Ronen and Vallie Brown said they support the movement but have no plans to draft legislation.\u003c/p>\n\u003cp>\u003cem>Additional reporting from Bay City News' Daniel Montes\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Members of the NAACP San Francisco branch beseeched the city to use marijuana and hotel taxes to fund education and housing programs for black residents.","status":"publish","parent":0,"modified":1576103741,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":845},"headData":{"title":"San Francisco's Black Leaders Call on City to Use Tax Funds for Reparations | KQED","description":"Members of the NAACP San Francisco branch beseeched the city to use marijuana and hotel taxes to fund education and housing programs for black residents.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"San Francisco's Black Leaders Call on City to Use Tax Funds for Reparations","datePublished":"2019-12-11T21:28:44.000Z","dateModified":"2019-12-11T22:35:41.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11790609 https://ww2.kqed.org/news/?p=11790609","disqusUrl":"https://ww2.kqed.org/news/2019/12/11/san-franciscos-black-leaders-call-on-city-to-use-tax-funds-for-reparations/","disqusTitle":"San Francisco's Black Leaders Call on City to Use Tax Funds for Reparations","audioUrl":"https://www.kqed.org/.stream/anon/radio/tcr/2019/12/WolffeReparations.mp3","audioTrackLength":113,"path":"/news/11790609/san-franciscos-black-leaders-call-on-city-to-use-tax-funds-for-reparations","audioDuration":113000,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Leaders of San Francisco's African American community are calling on the city to use income from hotel and marijuana taxes to pay reparations to black residents.\u003c/p>\n\u003cp>The funds would be used to make amends for the city's historic discrimination against African Americans that led to the displacement of much of the former black community, according to the NAACP San Francisco branch, which is leading the effort.\u003c/p>\n\u003cp>“Here we are at the end of 2019, and in San Francisco blacks are still suffering from the fallout of the human degradation of slavery and the treatment of their ancestors as tools and not human beings,\" said the Rev. Amos Brown, the San Francisco NAACP's president and pastor of the Third Baptist Church. Brown addressed a small rally of supporters Tuesday in front of City Hall in advance of the Board of Supervisors meeting, where members of the group advocated for the reparations proposal.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'The majority of black folks that live here are on welfare and struggling and being forced out of a community that most of them grew up in.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Dan Daniels, Sr., NAACP","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Brown said he was inspired by city leaders in Evanston, Illinois, who pushed lawmakers to approve the first \u003ca href=\"https://www.washingtonpost.com/nation/2019/12/02/evanston-illinois-reparations-plan-african-americans-is-marijuana-tax/\" target=\"_blank\" rel=\"noopener noreferrer\">reparations legislation\u003c/a> in the nation earlier this month. That plan will funnel tax revenue from recently legalized marijuana sales into a reparations fund aimed at creating additional opportunities for black people in the Chicago suburb.\u003c/p>\n\u003cp>“We have all these billionaires in San Francisco,” Brown said. “It looks like somebody ought to have a heart to say: ‘We are going to do what we did for the Japanese, what we did for the Jews in Germany.’ That was reparations. The same thing can be done for African Americans.”\u003c/p>\n\u003cp>The NAACP wants to use the additional tax revenue to fund new tutoring and mentoring programs and other support services for the city's black public school students, many of whom, it says, face unique challenges to academic success, including elevated rates of depression and other mental health issues that stem from high rates of poverty and violence in their communities.\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>The group is also asking that taxes be used to help support former black residents of San Francisco who have been displaced because of widespread gentrification and urban renewal projects, and to fund a new housing lottery system that would give black residents preference in the city's nonprofit, public and affordable housing developments. Additionally, the group is pushing to restore the historically black Fillmore District, in the city's Western Addition, to the \"vibrant black community\" it once was by investing in new black-owned businesses and cultural institutions.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"arts_13859508,arts_13858829","label":"Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“San Francisco at that time, particularly Western Addition, was filled with families, thousands of families, that lived here and worked here and paid taxes here,” said Maddie Scott, who lost her son to gun violence in 1996. “And then the violence happened. The guns and drugs were dumped in our neighborhoods and that's when all hell broke loose. And now here we are, 22 years later, and families now can't even afford to live here.”\u003c/p>\n\u003cp>This local reparations effort comes amid a \u003ca href=\"https://www.nytimes.com/2019/05/23/business/economy/reparations-slavery.html\" target=\"_blank\" rel=\"noopener noreferrer\">national campaign\u003c/a> to compensate black Americans for the suffering they experienced under slavery and subsequent racial injustices. The issue has been raised during recent presidential debates, and several Democratic hopefuls, including Sen. Elizabeth Warren of Massachusetts, Sen. Cory Booker of New Jersey and former Housing and Urban Development Secretary Julián Castro, have declared their support for legislation that would commission a study on reparations.\u003c/p>\n\u003cp>San Francisco, the NAACP emphasized, is one of the wealthiest cities in the nation, and has an obligation to address its ongoing failure to provide equal opportunity to black residents, who have been forced out in droves. The group notes that African Americans today make up less than 5% of the city's population, down from about 13% in the 1970s. And while an estimated 10% of all San Francisco residents live in poverty, that rate hovers above 30% for its black residents, according to \u003ca href=\"https://sfgov.org/scorecards/safety-net/poverty-san-francisco\" target=\"_blank\" rel=\"noopener noreferrer\">city figures\u003c/a> from 2018.\u003c/p>\n\u003cp>Reparations could help the city's remaining black population stay here and flourish, the group said.\u003c/p>\n\u003cp>“Right now the numbers are so low. And it's all by design,” said Dan Daniels Sr., coastal area director of the NAACP's California & Hawaii State Conference. “They've done it through racism, through rent control, through other initiatives that have been designed, allegedly designed, to improve the quality of life for citizens of San Francisco. But it has not helped black folks. The majority of black folks that live here are on welfare and struggling and being forced out of a community that most of them grew up in.”\u003c/p>\n\u003cp>Supervisors Hillary Ronen and Vallie Brown said they support the movement but have no plans to draft legislation.\u003c/p>\n\u003cp>\u003cem>Additional reporting from Bay City News' Daniel Montes\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11790609/san-franciscos-black-leaders-call-on-city-to-use-tax-funds-for-reparations","authors":["11523"],"categories":["news_1758","news_6266","news_8"],"tags":["news_17631","news_22210","news_24298","news_5605","news_22841","news_2923","news_24300"],"featImg":"news_11790759","label":"news"},"news_11737947":{"type":"posts","id":"news_11737947","meta":{"index":"posts_1591205157","site":"news","id":"11737947","score":null,"sort":[1554413643000]},"guestAuthors":[],"slug":"a-tale-of-two-states","title":"A Tale of Two States","publishDate":1554413643,"format":"standard","headTitle":"Mark Fiore: Drawn to the Bay | KQED News","labelTerm":{"term":18515,"site":"news"},"content":"\u003cp>One in five babies and toddlers in California are \u003ca href=\"http://bit.ly/childhoodpoverty\" target=\"_blank\" rel=\"noopener\">born into poverty\u003c/a>.\u003c/p>\n\u003cp>In some counties the rate is much higher.\u003c/p>\n\u003cp>Meanwhile, thanks to a string of tech IPOs, San Francisco is about to be home to \u003ca href=\"https://www.nytimes.com/2019/03/07/style/uber-ipo-san-francisco-rich.html\" target=\"_blank\" rel=\"noopener\">thousands of newly-minted millionaires.\u003c/a>\u003c/p>\n\u003cp>Even though Lyft's initial public offering got off to a rocky start, the company managed to create billions of dollars pretty much overnight.\u003c/p>\n\u003cp>Sure, a million or several would be great. But I think I'd feel a little guilty knowing that just a short drive away, almost half of the children younger than four years old are living in poverty.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":"One in five babies and toddlers in California are born into poverty. In some counties the rate is much higher.","status":"publish","parent":0,"modified":1554413643,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":7,"wordCount":105},"headData":{"title":"A Tale of Two States | KQED","description":"One in five babies and toddlers in California are born into poverty. In some counties the rate is much higher.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"A Tale of Two States","datePublished":"2019-04-04T21:34:03.000Z","dateModified":"2019-04-04T21:34:03.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11737947 https://ww2.kqed.org/news/?p=11737947","disqusUrl":"https://ww2.kqed.org/news/2019/04/04/a-tale-of-two-states/","disqusTitle":"A Tale of Two States","path":"/news/11737947/a-tale-of-two-states","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>One in five babies and toddlers in California are \u003ca href=\"http://bit.ly/childhoodpoverty\" target=\"_blank\" rel=\"noopener\">born into poverty\u003c/a>.\u003c/p>\n\u003cp>In some counties the rate is much higher.\u003c/p>\n\u003cp>Meanwhile, thanks to a string of tech IPOs, San Francisco is about to be home to \u003ca href=\"https://www.nytimes.com/2019/03/07/style/uber-ipo-san-francisco-rich.html\" target=\"_blank\" rel=\"noopener\">thousands of newly-minted millionaires.\u003c/a>\u003c/p>\n\u003cp>Even though Lyft's initial public offering got off to a rocky start, the company managed to create billions of dollars pretty much overnight.\u003c/p>\n\u003cp>Sure, a million or several would be great. But I think I'd feel a little guilty knowing that just a short drive away, almost half of the children younger than four years old are living in poverty.\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/11737947/a-tale-of-two-states","authors":["3236"],"series":["news_18515"],"categories":["news_1758","news_18540","news_6266","news_8"],"tags":["news_22569","news_5096","news_5605","news_1632","news_20949","news_1585"],"featImg":"news_11737970","label":"news_18515"},"news_11706264":{"type":"posts","id":"news_11706264","meta":{"index":"posts_1591205157","site":"news","id":"11706264","score":null,"sort":[1542239544000]},"guestAuthors":[],"slug":"study-people-of-color-and-low-income-residents-most-vulnerable-to-wildfire-impacts","title":"Study: People of Color and Low-Income Residents Most Vulnerable to Wildfire Impacts","publishDate":1542239544,"format":"image","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/tag/wildfires/\" target=\"_blank\" rel=\"noopener\">Follow KQED's ongoing wildfire coverage.\u003c/a>\u003c/em>\u003c/p>\n\u003cp>When ferociously destructive wildfires descend on a community — as the \u003ca href=\"https://www.kqed.org/news/11705243/california-wildfires-what-you-need-to-know\" target=\"_blank\" rel=\"noopener\">Camp Fire\u003c/a> did in Paradise and the Woolsey Fire did in Ventura and Los Angeles counties last week — there's a sense that everyone is created equal. Roaring, wind-driven infernos don't discriminate between the structures or people in their paths.\u003c/p>\n\u003cp>After the fires are out, however, it's a different story.\u003c/p>\n\u003cp>Across the nation, wildfires disproportionately affect the poor and people of color, according to a \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825\" target=\"_blank\" rel=\"noopener\">study published earlier this month\u003c/a> by researchers from the University of Washington and the Nature Conservancy. The study's authors examined over 70,000 census tracts across the United States.\u003c/p>\n\u003cp>By far, Native Americans are hit the hardest.\u003c/p>\n\u003cp>Native Americans are six times more vulnerable to the impacts of wildfires than white people. Black and Hispanic people are about 50 percent more vulnerable.\u003c/p>\n\u003cp>Researchers took into account both the likelihood that a community would be hit by wildfire, and how difficult it is to recover economically.\u003c/p>\n\u003cp>For example, they found that while affluent exurban regions east of San Francisco Bay and rural areas of the eastern Sierra Nevada have similar potential for suffering a destructive wildfire, relatively poorer socioeconomic conditions in the Sierra Nevada make those communities far more vulnerable to fire disaster.\u003c/p>\n\u003cp>In California more broadly, according to the study:\u003c/p>\n\u003cblockquote>\u003cp>Many individuals in rural areas, low-income neighborhoods, and immigrant communities do not have access to the resources necessary to pay for insurance, rebuilding, or continual investment in fire safety, \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825#pone.0205825.ref018\" target=\"_blank\" rel=\"noopener\">thereby increasing\u003c/a> their vulnerability to wildfire. These disparities became very clear after the 2017 wildfires in Sonoma County, California, where \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825#pone.0205825.ref019\" target=\"_blank\" rel=\"noopener\">price gouging on rentals worsened\u003c/a> an already dire housing shortage.\u003c/p>\u003c/blockquote>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Nature Conservancy lead scientist Phil Levin said Native Americans are so hard-hit because — first off — they were forced to settle in fire-prone areas.\u003c/p>\n\u003cp>\"Secondly, [these are] communities that are suffering economic or social issues, so there are higher poverty rates. Those populations tend to be most vulnerable as well,\" Levin said.\u003c/p>\n\u003cp>Wealthier people are more likely to be able to have cars to evacuate, buy fire insurance and create a defensible space around their homes.\u003c/p>\n\u003cp>And they have more money to rebuild.\u003c/p>\n\u003cp>\"So we were really interested in identifying where those places were around the country, around California, Oregon and Washington, where we could invest our resources most effectively so we could help the people that need it the most,\" Levin said.\u003c/p>\n\u003cp>Levin said preparing for wildfires doesn't just mean controlled burns and forest thinning — it also means addressing poverty.\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"Across the United States, Native Americans are by far hit the hardest.","status":"publish","parent":0,"modified":1542246798,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":435},"headData":{"title":"Study: People of Color and Low-Income Residents Most Vulnerable to Wildfire Impacts | KQED","description":"Across the United States, Native Americans are by far hit the hardest.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Study: People of Color and Low-Income Residents Most Vulnerable to Wildfire Impacts","datePublished":"2018-11-14T23:52:24.000Z","dateModified":"2018-11-15T01:53:18.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11706264 https://ww2.kqed.org/news/?p=11706264","disqusUrl":"https://ww2.kqed.org/news/2018/11/14/study-people-of-color-and-low-income-residents-most-vulnerable-to-wildfire-impacts/","disqusTitle":"Study: People of Color and Low-Income Residents Most Vulnerable to Wildfire Impacts","audioUrl":"https://www.kqed.org/.stream/anon/radio/tcr/2018/11/HutsonFireImpactStudy.mp3","audioTrackLength":102,"path":"/news/11706264/study-people-of-color-and-low-income-residents-most-vulnerable-to-wildfire-impacts","audioDuration":106000,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/tag/wildfires/\" target=\"_blank\" rel=\"noopener\">Follow KQED's ongoing wildfire coverage.\u003c/a>\u003c/em>\u003c/p>\n\u003cp>When ferociously destructive wildfires descend on a community — as the \u003ca href=\"https://www.kqed.org/news/11705243/california-wildfires-what-you-need-to-know\" target=\"_blank\" rel=\"noopener\">Camp Fire\u003c/a> did in Paradise and the Woolsey Fire did in Ventura and Los Angeles counties last week — there's a sense that everyone is created equal. Roaring, wind-driven infernos don't discriminate between the structures or people in their paths.\u003c/p>\n\u003cp>After the fires are out, however, it's a different story.\u003c/p>\n\u003cp>Across the nation, wildfires disproportionately affect the poor and people of color, according to a \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825\" target=\"_blank\" rel=\"noopener\">study published earlier this month\u003c/a> by researchers from the University of Washington and the Nature Conservancy. The study's authors examined over 70,000 census tracts across the United States.\u003c/p>\n\u003cp>By far, Native Americans are hit the hardest.\u003c/p>\n\u003cp>Native Americans are six times more vulnerable to the impacts of wildfires than white people. Black and Hispanic people are about 50 percent more vulnerable.\u003c/p>\n\u003cp>Researchers took into account both the likelihood that a community would be hit by wildfire, and how difficult it is to recover economically.\u003c/p>\n\u003cp>For example, they found that while affluent exurban regions east of San Francisco Bay and rural areas of the eastern Sierra Nevada have similar potential for suffering a destructive wildfire, relatively poorer socioeconomic conditions in the Sierra Nevada make those communities far more vulnerable to fire disaster.\u003c/p>\n\u003cp>In California more broadly, according to the study:\u003c/p>\n\u003cblockquote>\u003cp>Many individuals in rural areas, low-income neighborhoods, and immigrant communities do not have access to the resources necessary to pay for insurance, rebuilding, or continual investment in fire safety, \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825#pone.0205825.ref018\" target=\"_blank\" rel=\"noopener\">thereby increasing\u003c/a> their vulnerability to wildfire. These disparities became very clear after the 2017 wildfires in Sonoma County, California, where \u003ca href=\"https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0205825#pone.0205825.ref019\" target=\"_blank\" rel=\"noopener\">price gouging on rentals worsened\u003c/a> an already dire housing shortage.\u003c/p>\u003c/blockquote>\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>Nature Conservancy lead scientist Phil Levin said Native Americans are so hard-hit because — first off — they were forced to settle in fire-prone areas.\u003c/p>\n\u003cp>\"Secondly, [these are] communities that are suffering economic or social issues, so there are higher poverty rates. Those populations tend to be most vulnerable as well,\" Levin said.\u003c/p>\n\u003cp>Wealthier people are more likely to be able to have cars to evacuate, buy fire insurance and create a defensible space around their homes.\u003c/p>\n\u003cp>And they have more money to rebuild.\u003c/p>\n\u003cp>\"So we were really interested in identifying where those places were around the country, around California, Oregon and Washington, where we could invest our resources most effectively so we could help the people that need it the most,\" Levin said.\u003c/p>\n\u003cp>Levin said preparing for wildfires doesn't just mean controlled burns and forest thinning — it also means addressing poverty.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11706264/study-people-of-color-and-low-income-residents-most-vulnerable-to-wildfire-impacts","authors":["11216"],"programs":["news_72"],"categories":["news_1758","news_19906","news_8"],"tags":["news_24483","news_19996","news_5605","news_1262","news_1585","news_4463"],"featImg":"news_11706330","label":"news_72"}},"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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