Caption: Community Check Cashing in Oakland, CA, Credit: Andrew Stelzer
Image by: Andrew Stelzer 
Community Check Cashing in Oakland, CA 

How We Survive: Predatory Mending

Series: Making Contact
From: Making Contact
Length: 00:29:00

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This week we talk to lenders who are doing things differently and to people who are helping others stave off financial scammers. Read the full description.

Episode_pic_for__40-09_small Almost everyone in the U.S., in one way or another, does business with the banks. But the business of borrowing isn’t always fair. Whether you’re in the market for a house, or have no credit at all, financial institutions can hit you with high fees, bad loans, and unexpected outcomes. On this edition, we continue our series “How We Survive.” This week we talk to lenders who are doing things differently and to people helping others navigate the financial marketplace.

Featuring:

Segment 1:
“Tanda”
Angel Luna (AKA Mextape), Tanda participant.

Segment 2:
“Community Check Cashing”
Jessie Marin and Herbert Quintana, Community Check Cashing Tellers; Jackie Quintana, Herbert Quintana’s Sister; Dan Leibsohn, Community Check Cashing Founder and Community Development Expert.

Segment 3:
“Mission Economic Development Center”
Elba, MEDA Client and mortgage borrower; Josie Ramirez, MEDA’s Homeownership Department Program Manager; Luis Granados, MEDA Executive Director.

Segment 4:
“Supplemental Security Income”
Douglass, SSI Applicant; Bruce Bortin, The Homeless Advocacy Project Benefits Counselor;
Jenny Chung, Insight Center for Community Economic Development Program Manager;

Program #40-09 - Begin date: 10/07/09. End date: 04/07/10.

Please call us if you carry us - 510-251-1332 and we will list your station on our website. If you excerpt, please credit early and often.

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Piece Description

Almost everyone in the U.S., in one way or another, does business with the banks. But the business of borrowing isn’t always fair. Whether you’re in the market for a house, or have no credit at all, financial institutions can hit you with high fees, bad loans, and unexpected outcomes. On this edition, we continue our series “How We Survive.” This week we talk to lenders who are doing things differently and to people helping others navigate the financial marketplace.

Featuring:

Segment 1:
“Tanda”
Angel Luna (AKA Mextape), Tanda participant.

Segment 2:
“Community Check Cashing”
Jessie Marin and Herbert Quintana, Community Check Cashing Tellers; Jackie Quintana, Herbert Quintana’s Sister; Dan Leibsohn, Community Check Cashing Founder and Community Development Expert.

Segment 3:
“Mission Economic Development Center”
Elba, MEDA Client and mortgage borrower; Josie Ramirez, MEDA’s Homeownership Department Program Manager; Luis Granados, MEDA Executive Director.

Segment 4:
“Supplemental Security Income”
Douglass, SSI Applicant; Bruce Bortin, The Homeless Advocacy Project Benefits Counselor;
Jenny Chung, Insight Center for Community Economic Development Program Manager;

Program #40-09 - Begin date: 10/07/09. End date: 04/07/10.

Please call us if you carry us - 510-251-1332 and we will list your station on our website. If you excerpt, please credit early and often.

1 Comment Atom Feed

User image

Thoughtful and thorough, needs more zip

Valuable information here, the first segment covers important voices on a subject that doesn't get enough attention. Thorough, but lacking that creative zip.

Broadcast History

Program #40-09 - Begin date: 10/07/09. End date: 04/07/10.

Timing and Cues

Total run time is 29 minutes (no hard breaks)
-Optional cutaway at 1:00
-Optional 5 minute news hole
-Music in/out.

Intro and Outro

INTRO:

MEDA Intro: California’s Vallejo-Fairfield region is one of the nation’s hardest hit by the real estate crash. It ranks fifth highest in the United States for foreclosures. During just this past August, one of every 70 homes in the area fell to foreclosure, according to RealtyTrac, a firm that monitors foreclosed properties. Some of those households were victim to predatory lending scams. Making Contact’s Tena Rubio takes a look at MEDA, a program providing support and financial literacy so borrowers don’t fall into lending traps.

Check Cashing Intro: Drive through almost any low-income neighborhood in the United States and you’ll see signs for check-cashing and payday loans. Locals come to these places for quick access to cash, or to send money overseas. Advocates say the high fees at these places are one more obstacle in the way of climbing out of poverty. But Andrew Stelzer has more about one new business that’s cleaning up the image of check cashers, one customer at a time.

SSI Intro: In the current economic crisis, more and more are finding it harder to cover the cost of basic needs. Some turn to government programs to fill in the financial gaps. During the great depression, the federal government established a safety net of poverty programs. But some say, the government’s way of determining who’s in need could use another look. Media Consortium intern Megan Martenyi went to the San Francisco Homeless Advocacy Project, her old stomping grounds, to find out more about applying for government services.

OUTRO:

Musical Works

Title Artist Album Label Year Length
God Will Provide Mextape 00:00

Additional Credits

Executive Producer/Host: Tena Rubio
Producer: Andrew Stelzer
Producer/Online Editor: Pauline Bartolone
Executive Director: Lisa Rudman
Associate Director: Khanh Pham
Media Consortium Intern: Megan Martenyi
Production Intern: Rita Daniels
Organizational Interns: Lakiesha Thomas
Super Volunteers: Ron Rucker and Dan Turner

Related Website

http://www.radioproject.org/