35 Burst results for "Redline"
Interview With Saumya Roy, Author of 'Castaway Mountain'
"Journalist for many years. I used to write about financial inclusion among many other topics into ten. I left to start my own nonprofit. That was the time. The economy was booming. There was a lot of consumer loans available for different things. And yet if you didn't live in the right address if you want very wealthy all of those financial services suddenly not available to you like how redlining works. They would literally hang up on you. If you said you lived in slam or you lived here or you were even of the wrong religion etc and so i started a small nonprofit in two thousand ten to work on micro-finance thousand contini began getting with because from this garbage mountain where i had never been and will do truly with their hands. Pick up this waste and sorted the and recently traders plastic traders metal class streeters etc and so worried that what kind of businesses this loans are going to go back if we listen to you and they would make. It seem like this was a place of great opportunity like you know. This is an employer. That's never going to out of work. Do you think we have to reduce will. Never run out of work. So i said okay. Well show me what you do. I guess my join us dick. I began going the chew house. Show me on sorting. you know. Little shed on the you work so we began walking up the garbage mountains on. I guess that's where this dark fascination with what they do began
Antifascist Vaush Answers Charlie’s Questions About Reparations
"How. 'bout reparations for slavery. i think. I'm pretty in favor of that. Yeah okay tits. Make the argument just no debt. We said forty acres and a mule. We never paid it and unfortunately the material reality for a lot of people who were slaves didn't change that much after they were emancipated. I mean if you are a slave and your made free. That's a big step up. Don't get me wrong but you have nothing. I mean nothing. And because of the way generational wealth transfers from father dishonor mother to either to anyone to copy their Unfortunately we still see the consequence of that borne out you can actually look county by county where were slaves kept. Which were the plantation counties. And you see oh this group of black neighborhoods. That's where they settled after slavery ended. It's like really immediate stuff and it's a debt owed that this nation never paid. I don't necessarily aggressive rations. I think we need to clarify what that ultimately means. But i will say I've long held the same position. I actually worked on the documentary. There's an issue of people who were enslaved than they were released and they were not given any means to actually Develop and grow. And so there's a general waste is a generational wealth gap between people based on race for these historical reasons. The challenge i see. I suppose is you know. We've done a lot to amend the laws and changed them. For for instance you know redlining blockbusting and become become illegal. And now we're dealing with an ultimately. I believe it is a class issue. Of course. racism still
A Conversation on Food, Redlining, and Segregation
"Founder and board chair of the gem city market. A food co-op dedicated to increasing access to fresh fruits and vegetables within west ayton. Let's dig in welcome brian. Hello hello getting right into it. Why did you decide to start the longest table. So you know where. When i kicked off my pitch to a young professional group i went on stage and i said give my project two thousand dollars. Let's let's put all of our energy as a young professional group in digging into this project. I started it. Because i believed in it but i was. I would also say this was four years ago so liberal more naive and i'm still pretty optimistic but i was really optimistic by the idea of bringing people together. That don't normally get to talk. And i had something. That's kind of an ace up my sleeve. Which is i had a really good mentor. And where i worked. Which was actually at the city of the in. The commission office with commissioners in the mayor had a great mentor. Who wasn't even in that office. But she sent me this thing on twitter and said have you seen that they did down in florida. We should do something. Like that. Here in dayton and you should lead it and it was that little. Push that little nudge from women that i really respect that kind of just gave me the the go ahead that i needed to go and interest to the larger community before you set out and started actually implementing. What was your idea and your head of what you could achieve with the table. So it's funny. Because i actually have the document. I have my speech. That i gave to the the the room and i can remember walking onstage and just like i don't know if they don't they don't go for it it doesn't happen but in my speech specifically say something along the lines of like. I don't care how we do this like you guys decide. I just think we should do it. And i've kind of always held that belief like it's not really for me to decide like anything on this project like. I'm just a doer. And i like see a goal and
Caller Uses Fallacy to Defend Critical Race Theory
"I would like to discuss critical I would like to discuss Trooper Race theory Go for it. Let the audience know California aspect about critical race theories. It's not laws that were explode. Laws that were set up in the past have left current populations at a disadvantage. Redlining didn't allow for African Americans redlining is illegal, sir. Yes. Where there was more. Yes, I understand that. But redlining. That's that's a critical race theory goes all the way back to the Constitution. It doesn't a job where I understand that, But I'm trying to explain Is that what happened was, I said, Red lining is illegal. And if you did understand critical race theory, you would understand that Most of the theoreticians going back to even Derek Bell condemned the civil rights movement. You condemn the civil rights movement, either. I'm what I'm what I'm trying to get at is the reasons why the export? No, sir. Listen, I understand you want to go through all that You want to talk about other issues. What I'm saying to you is this Red lining is now illegal. We had court decisions that make certain other behavior illegal. And I'm telling you, that critical race theory isn't about redlining. Credible race theory argues that a colorblind society is a lie. At the civil rights movement is a lie that the civil lights removing enshrined a white dominant society do not read about critical race theory, sir. Critical race theory before identifies laws that held minorities back. I just said to you Let me try it again. Do you think the 1964 Civil Rights Act was a ruse for the white dominant society? No no in 1965 Civil Rights Act.
Digital Redlining and Why Some People Are Stuck With Slow Internet
"At the digital divide all year today. I want to discuss how today's broadband deployment mirrors illegal mortgage redlining practices for the past. Why would see similar devastating consequences down the line saying this. Is your daily charge here discussed. This problem is team at senior reporter. Sharp ticket welcome sharp. Thanks for having me. So i offer a listeners. What is redlining it's a. It's obviously a long standing. Practice has been around for a while but folks may not necessarily know what it is and the impact it's had writing is kind of a term that we've heard but a lot of people don't necessarily really remember realize what it was so it was a practice by banks in the thirties basically to map neighborhoods in the country. And say this is a good bet for mortgage loan. This is a bad bet And it literally redlined areas that had huge communities of black african americans so it was saying that anybody who lives in these areas are a bad bet Not worth making a home loan and so people who lived in those areas couldn't get home runs they couldn't they couldn't homes. They couldn't get insurance They basically were cut out from this really way to generate wealth and paths that wealth onto future generations. So what we've seen is that you know it's really had huge impacts on the black community in the united states so only about forty two percent of black people in houses versus about two percent of white americans and the medium black household only holds about one eighth the wealth of a white household and then also in these neighborhoods there's lower life expense expectancy Higher rates of chronic diseases worse impacts from covid nineteen. So it's really just something that you know. It happened in the thirties and the forties is kind of its heyday But it still having implications. Today
"redline" Discussed on Life of an Architect
"The first dog for my daughter was also call her dog and we decided. Let's lock sharking unity. So my wife and daughter decided to get this full-blown australian shepherd I didn't really have much say in the matter. Like it was gonna happen like our where they got it. And i play with that dog and i pet that dog more than anybody else i take care of it and my daughter sent me this message. She goes there is no greater bond than between a dad and a dog. he didn't want exactly that's how she looks at it. So if i had to answer would you rather have a dog or cat if it was just the cool sochi ping cat if it can't didn't p. i would take that can everyday. That cat was awesome butter by. Because here's the other thing. Does australian shepherds didn't know this but australian shepherds. They don't like other people. They're herd animals and when you come in and they don't know you they're like who are you. You're not part of the hurt. I'm not so sure that if my dog was loose and he walked in my house that it wouldn't come for you like so we have to put them up where we have people over. But i feel special than because they use it. Oh bother me too much. Yeah fence along now. That definitely would happen at ayar would take carrier you stuff. It's a source of stress for me. Actually when we have people over because her kennel trained for just as very recent little ones too little just to put in the yard and labor all day a bertel come down and grabber fly off. She's small stolen by an eagle. The big one. I don't want to run around the back care when it's hot. Texas is hundred twelve heat index. Here so i don't want it just running around in the backyard getting hot. That's not cool. Should jump in the pool now. They don't wanna get wet though they don't love it and they do not love getting wet. They're not those kind of dogs interesting so we have them kennel trained and they're so smart. I can say kogen kennels and they'll go walk and get in the kennel sound like it's a big. I'm pushing them in kennels. They don't hate it sectors safe space but i feel sense stress that if somebody comes over and they're growling. It's not the growl like with the tennis ball at me where it's just kind of going This is like they might you And then you're going to sue me. And i might put my dog down. It's that kind of thing. So i don't know you don't come in my house without let me know. I have guard dogs so i would say cool cat. I would take a cat. I can tell you that jerk. Australian shepherd i do like her. I feel like if i could get a dog. That had a little bit of a cat personnel. Like a little more towards the cat. The little more laid back. It'd be okay because there is a level of companionship and interaction..
"redline" Discussed on Life of an Architect
"And he's going to hear his name he's gonna say they said my name like he listens. I'm kidding so lee kalinski you know it's funny. I've engaged with this guy for ten years. I've never actually said his name out loud. I don't think until this very moment lee. Obviously i noticed lately. But i don't know them saying his last name anyway. He comments from time to time on the blog and he's engaged and he's a sole practitioner and he wrote an article. I don't know it was more than a couple of years ago. About red lines. And part of what i loved about it. He's an office of one so he's creating red lines for himself himself. Yeah which cracks me up to certain extent but their notes for himself. I'm sure that there's problems he's like. Hey i need to solve this problem. Here's how i'm going to think about it. I'll draw tomorrow but here's my thought process. I thought clearly red lines have more to do with just person one documenting thought and person to picking up and clarifying that thought in the system. These are notes for himself. I thought that was interesting. I think is a practice. I think you always wanna breadline your own work before you handed to somebody else. I would make my employees breadline. Their own stuff before they will give it to me all the time. I would get a set of drawings that they had red lined. And then i would put red lines on top. Sometimes that would be. They didn't blue. And i'm doing it. Read like my stuff was always read but there for awhile in my office of the eight employees or whatever. Everybody had their own specific color with eight people. Somebody like purple. There was lie. Oh yeah there was some wild colors but they would highlight the red line that they picked up in that color so that have a highlighter and then have each pin that we're always matching and so that's how it was easy for me to separate those things out but also when we started mixing things up so a one play could go ask somebody else about what they do here why they did it or it was just a way to kind of help separate but still keep a clear path of communication going. I'm kind of curious that made me think about it. And i know that we had this issue a while ago and has to do with people doing their quote unquote red lines by looking at the screen. stuff's not printed out. It's not even like a pdf so it's still got all the colors of course rabbit out as nothing's and color. But on the old cad day look at. There's all kinds colors all over the place and people are like zooming around the screens crawling as crawl now paying over here like to check their work on the screen and i to go you got to print it out you gotta look at it you gotta get it on a page got. Put it on the table. You get a look at it that way because it goes back to the. There's a separation allows you to bring a little different level of clarity to it when you review it when it's and a printed out format okay. So i'm going to say that's the end of our red line show. We've been at it for a while. We could keep going. We hit a couple of rebels. But we did have some rattles. And i got some other ones. I got more stories but there's can be saying the same point. Just maybe more amusing way or less amusing way as you don't possibility to. Yeah well..
"redline" Discussed on Life of an Architect
"And we had like donut. Fridays and heroin have is your turn bringing the donnas smut that big deal sort that many people and so one of the guys he always liked old fashioned donuts. Like if you don't bring him an old fashioned like everybody had what they liked or get blueberry for that guy. We get old fashioned for that guy. We get strawberry glazed like the homer simpson for that person. I everyone knows the jam right now. We would try to accommodate those people. One of the guys didn't know what an old fashioned dona was and sounds like here and i grabbed a piece of tracing a pen and i was like okay. This is how he goes. We could just look it up on the internet like yeah that probably would be way easier and the fine thing about. It is a good friend of mine. Who was like the guy that i give credit for for way. My drawings look the way they look because of this guy I want him to sketch more talked about him. Like half dozen times on the show and on the blog and says the cool guy ever. And i want him to sketch marcus's sketches or amazing. But he's like a working guide now. Architects school stuff went on with the family. He went back home to help family business and now has company and they hang she rockies. She rocker is what he does. And i love the guy who though i haven't talked to him in twenty years in the comments he goes all right. I'm going to try to sketch more in. He sketched doughnuts form. And that's what he posted. I'll have the picture will find it. So he drew the old fashioned. I was like that's way better than the old fashioned. I would drawn like he had planned section of all these different doughnuts and then like a cross section of the doubts. It was awesome. That's funny. I go way more interesting than looking it up on the internet. That's for sure but donut stories notwithstanding. I do think that the ability to sketch in this is not a sketching episode. People say pictures worth a thousand words and there's a reason why that happens and it's because our brains are able to fill in the gaps between lines. So if i say word and i draw thing and i put some lines on the page your brain is going to understand that better than if i hear it. 'cause yours to different parts your brain your retention is going to be different you see. Something goes to one party bright. You hear something that goes to note your brain. Even if it's the same thing. I say the word rabbit that goes to one party brain if i show you a picture rabbit that goes to different party. Bring if i show you a live rabbit. That goes to yet again. Another spot and your brain so when he tried to marry all these things together your retention. Your death of your knowledge is much more profound. When you're crossing more cranial specter's in your head so our ability to talk and draw same. Time is more effective way of communicating than just one or the other. Nobody should dispeat- that there's endless documents to support it so we're losing it. This is something that i thought. Yeah don't have to be good. Just do it when you're talking to folks psychos back to red lines. This is a great moments teaching moment. But it's also a learning moment for someone to say. Look this what talking about. This is what i'm thinking..
"redline" Discussed on Life of an Architect
"Ac cla d. i want to move on to see. How can articulate this. I have a question written down in my notes. It's like do people even red line drawings anymore. This is a loaded question. Because i'm not sure if it's how phrasing do they red line. Meaning do they put out a piece of paper and they take reading and they put it on or are they taking. Pdf's into adobe acrobat or blue beam and they're typing out the red lines using software in my mind using adobe or blue beam s. Not red lines. That's just communicating using digital software. And happens to be read. I don't think it's the same thing at all. You know that goes back to the one way communication. I gotta go now again arm wrong. Haven't i haven't clarified it. There's a level collaboration. That's really great about software like blue beam because that's what we use in our office and it's real time back and forth like i can have multiple sessions. I can multiple people in the drawing at the same time or all. Got like our own colors architecture. Comments might be green and interior design. Comments might be read in the qa. Qc guy might be in purple or whatever. The case is and it'll tell you who left what comment i can even ask the question and go. Hey mary are. You sure that we wanna do this here. Should we consider this instead of that..
"redline" Discussed on Life of an Architect
"Maybe nobody does always always use red lines. I don't know from day one. Usually it would be from day to get some work done on day one. I work too fast for that. And then day to i would start on but i always use red lines in actually in my office would use it as a way to document the progress as well right to make sure that we would catch things or we would do things. And there's a record. This is what got changed. We produce something else. This is what got changed. You just gotta go through that. Process in cycle in design with redline stuff for sure in meetings with clients would sit. There would have a set of documents drawings and they'd be talking with redline them while they were talking about things so that is documentation process as well. It's all just part of the process to me. Did you keep your red lines for posterity like it if you redlined light it in. You handed it off to somebody. And then they said. I picked them all up in the trash. That was the end of it. No use it would keep until the end of the project interesting till the end of the design phase. And then at that point that i'll get scanned in. I'd have digital copies of them. Because i did. Most of my red. I would do. It led by seventeen. never at full-size. Yeah to that idea about that. Was that most of the time. I would read line at home in the evenings. And then bring back. The set of red lines. Mega depends where it was at the design phase but you that then side sit down and go over those red lines with. Yeah my employees or employees. Say no this is what it means is what i meant that with teach part the act of doing it usually had to deal miles not take fifteen hours to do a way. Not part of reason. I was curious about the. Did you keep them in you. Courtroom for posterity. Was you know the first time i really was involved in an office that used red lines as a communicative way to have that one sided. Graphic conversation was the place. I worked out when i actually started this. Great firm. love all those people. So despite what i'm about to tell you i have high opinions of all these folks so one of the partners that work there working hawk. I mean this guy was machine. If you could build an architect the guy would be like percent what you would make. He was incredible and he worked all the time. So i'm pretty sure. He worked seven days a week. He was always the first one in the office. And that's even with me. And normally i would get there by like seven o'clock may some fifteen. He'd been there for an hour already. And i would leave at seven o'clock at night and he'd still be there till like nine o'clock and he come in on the weekends worked all time. It's really where. I learned how to do residential projects and so the whole idea of learning how to detail things as an active design. I learned in that office. I o lot of who. I am to those people so you know. Have a lotta respect for them. I have respect for their process. One of the things. That i always couldn't understand so one of the things that this guy would do..
"redline" Discussed on Life of an Architect
"Typically that's how people think of it. The way that i worked way bob. Abortion roles is that i read line from day one. I design in red pen a lot of times. When i'm collaborating with somebody because i have the same objective they still print something out and i'll go. Hey we need to do this. But because i treat my role as designer in my office now and before as a professorial type of position. I don't ever tell people do this and i just give it to them and they go walking off and they just do what i told them to do. I ask a lotta questions i say. Did you think about this. I explain why something works the way that it works so that we don't have the same conversation in a month when the next project comes along we have a similar condition so the very communicative and they're not directing somebody to put this particular line in this particular place and put this particular note important to this particular spot. That's not necessarily how. I do my red lines. So this wasn't that long ago actually and it was with former podcast co host landed williams and my last office that shorttimer that guy so it was pretty young. You know maybe a year and a half out of school at this point he probably like. What are you going to tell the story like why you use my name. So we're working on projects in san marcus and there. Is this one ovation. Those drawn any sitting right next to me. And kinda redlining lining the set together. Well look this. Whole moment is a teachable. Learnable kind of process. It's not just me going into either tower marketed. Up and throwing it out the window to the serfs in the field. Blowed fix in the computer. Because i don't know how to do it. That's not how this is supposed to work. So he's sitting right next to me and i right. Wow dot dot terrible. And i took a picture and i posted it to social media as like stack day every single person who saw that responded so aggressively like. Wow that is rude. And why don't you take this moment to teach somebody what you're doing. Yeah you're the worst people like you that make being an architect when you're right out school suck too funny. Not one person took it in the sense that hey this was a design comment like this. Elevation is terrible. Not the way that it was drawn ways drawn with. Technically exactly what. We put in the plan. But i was like okay now. It's time to do more. This is terrible. We gotta make this better. Not you screwed this up. What your work is embodied on. This page is garbage right. And so i always found it incredibly amusing that out of all the people that sought all the comments that i got not one person considered that this was a collaborative comment in that specific comet was directed towards the design and not the human being that true it. Yeah and actually that means like therefore towards both of you. We did a terrible job on this. We need to fix. Yeah and so. I thought does nobody use these redlining moments during the design phase to collaborate. I mean because again still white paper still black ink on it. I still want to pop. I still wanted to be like a record of what we're talking about..
"redline" Discussed on Life of an Architect
"This is something that i don't know. People may be of our generation or are cut a co author experience will take a printout of drawing and they'll take a red pen and they will mark on it and they will then hand it to somebody and say here's all the comments i made and it might be. We need to detail through here. This is how this works. Here's a profile. This is put a dimension on string in this location. There's lots of things you can do. And i know that their software out there that we're using. I have that written down. And we're gonna talk about it later. But this really has to do with the origin of the word which predates software like adobe acrobat and blueberry okay. We're not getting into that right now. So everybody settled down right because it will come up though. Yeah so let's start with very beginning. Because i've written a couple of blog posts on my site over the last ten years to specifically the head to do with red lines. One of them's really funny. Which was a great story. But i'm gonna save part of that for a minute. Had to do with red is easy to see. That's why we use read. Some people are like want us green. It's less aggressive. You know all right so generally speaking when we print out drunk nowadays. No one's doing blueprints hopefully. Nobody's doing blueprints. So it all gets pernet like giant xerox on an over scale piece of bond papers which white paper but generally speaking black incarnate black lines so read the act of using a red pen to mark up things you want. People to notice is more successful when they actually can see it. Well like i would wanna markup black line drawings with a black man. 'cause it might actually look like what was printed out because that's how good i sketch computer y- like a computer. So that's why reading. My book could use green. Yeah i guess you could. I mean in fact i have. I've used green. I've used blue. I liked the red simply because of pops off the page. It's short simple of it. Yeah yeah this may begin the conversation but for a while i use different colors for different things actually so red pin when made this a blueprint that and like what. Tell me explain it. It didn't last very long because it was too cumbersome so i just changed the way i entertain things with a red pin but if it was a red market was something that was supposed to be changed on the sheet but if it was a blue pen it was more of a note about looking at this or doing something a green pan. It was something for them to talk to me about so that i can explain it so it was a way to delineate what was happening so read. That was exactly what needed to show up in the drawing like it needed to be. That flew of me making a comment about something that needed to fix it was a way to. I guess maybe add a layer of instruction to that process. Yeah i like it. I liked that as a concept. Quite honestly i want to dive into that more but i want to dive into that when we actually talk about how people go about doing it in the episode. Art sounds good. So if i start thinking about how projects get developed. The first thing that was on my list of. Hey let's talk about this. Had to do with the very on point topic which was red lining during the design process because a lot of people think red lines is simply act. You do during constructions. There's like i'm doing documentation. And fix this. Because this information can be compiled and sent out to somebody for the purposes of i dunno permitting or structured and price in fact. Yeah it's kind of a process that happens during the construction daca face..
City residents use maps to fight inequality in their neighborhoods
"Some city neighborhoods are lush with parks and trees but others are dominated by stretches of concrete and pavement areas with fewer trees to provide shade less vegetation to soak up water. They tend to be hotter. They tend to be wetter. They tend to have worse air quality. Caitlyn goya's with groundwork usa a network of environmental justice organizations. She says these disparities result from decades of disinvestment and redlining racist mortgage lending policies that reinforce segregation and worsened inequality groundwork is helping residents in nine cities highlight the relationship between historical segregation and climate change vulnerability without a really clear understanding of the harms. That have happened in the past. You can't have a vision for the future and for how you're going to repair that harm. The group overlaid maps of historical redlining with data about heat tree cover an impermeable surfaces. Mongolia says the map. Show how the impacts of red lining persist and provide an important tool for local residents to sit down with their local government with elected officials with leaders in their community. And say you need to explain why this is still the case. And you need to explain what you're going to do to make things look a little bit different
How Black residents in America's first city to fund reparations proved they were owed
"Early at my childhood. I was invited to have a play date. My white friends never had a play. That so i want to megan's house. The streets were wider. The homes were bigger and brighter. It was obvious that it was the barrier race that kept us from that because the segregation was race spaced even here evanston illinois or proudly liberal suburb of chicago. The barrier and burden of race have long weighed heavy. Like a winter storm. This is alderman for the fifth ward. Robin ru simmons was born and raised in the historically black neighborhood. She represents this community was red. Line historically and that has come along with Damages that continue today resources were stripped away from the black community along with wealth as well. The city's plan to change that reparations. In idea long-debated proposed over one hundred and fifty years ago. I forty acres of land later mule for formerly enslaved people to share the american dream built on their backs for free. Promise long broke until now. This is a historic vote. Evanston is set to become the first. Us city to pay out reparations. A total of ten million dollars starting with increments of up to twenty five thousand dollars per person for housing. I didn't start my electic. Career even discussing reparations rich. I was looking at data. I was looking at what we had done. And reparations was the only answer the only the only the only any more of the same was gonna only at best help us sustain the oppressed state and the disparity that we have only. That's a big word. The only legislative response for us to reconcile the damages in the black community as reparations why housing housing specifically and homeownership is a path to begin to build. Well when you have stable housing you have an opportunity just to breathe and think about what's next. It provides a sense of place in the community where we're largely renters now and we should be owning. We anticipate litigation with the premise that we cannot use tax money. That's from public to benefit. A particular group of people throughout history taxes were used to benefit a certain group of people while others were excluded from that dino robinson is a founder of shorefront an archive dedicated to chronically celebrating. Black life in evanston a richness long undervalued. His documentation going back to the late eighteen hundreds invaluable in measuring the cost of racism. And the need for reparations of members were moving throughout evanston informing. You know pockets in the city of evanston and it caused the white communities are panic. Like what do we do about this. The response to that panic redlining federally sanctioned project assigning market value to neighborhoods a grading system a to d. The d areas usually relegated to the black community. The area d. was always read. This deliberately pushed evanston black families into an area that became the fifth ward. Segregating them from white families sought after property and ultimately wealth. Things were not loan to black families. Real estate agencies would not show you other than fifth ward. That map still is. The map of are concentrated. Black community are disinvestment today. White residents of evidence have nearly double the income in home value of black residents. This racial wealth gap is prevalent nationally. Black-americans possessing less than fifteen percent of the wealth. That white americans have who i am. Nineteen years old. We moved to evanston in nineteen fifty nine black residents who lived through red line again. Their descendants are eligible for reparations. That includes ben gain senior and his son then junior then senior grew up in nineteen twenties dixon kentucky part of the old south the business end of an era most violent weapon against african americans. Jim crow. He landed in evanston here. Jim crow war smile but still inflicted harm on black homebuyers contractor said fan a lot and it. We're in evanston bill. Whatever you will well when he said that he men in black neighborhoods and we still have these same types of problems.
As Telecoms Spend Billions on Wireless, Where Does That Leave the Wired?
"Telecom. Companies are spending a lot of money on wireless infrastructure to support their five g networks last week. The fcc announced that verizon spent forty five billion dollars buying spectrum in the agency's auction at and t. spent twenty three billion but in the meantime wired broadband infrastructure is not feeling the love. At and t. Has stopped connecting new customers to its dsl network. A report last fall found that it has deployed high speed fiber to only about a third of households in its network and it's got big gaps in low income areas in many cities angeles for is the executive director of the national digital inclusion alliance. Which wrote that report we are seeing. At and t. not invest in low income neighborhoods as much as they do higher income neighborhoods and to understand that in the inner in the united states. The internet is a commodity so they're looking for highest return and you have evidence of this right. You have put out a report to this effect. That essentially overlays the fiber investment with income and. It seems pretty clear we did. Yes released a digital redlining report in two thousand seventeen where we found that the really slow old dsl tended to be in lower income neighborhoods That went against the general understanding that it was rural areas that weren't getting the investment and then more recently. We did a report with the communication workers of america where their data found that. There were Large portions of. At and t. service that wasn't being upgraded to fiber and there were no plans to upgraded to fiber right. And then how does that. Connect to what we're hearing which is. At and t.'s. Plans to stop connecting even knew dsl users in those areas that have this older infrastructure right. So at and t. is really switching to a wireless model where they are relying upon the plans for five g. and their existing wireless which in a sense is probably great but for the folks on the ground. Not so great. If your internet connection you had been relying upon a wire line connection a dsl service and it's no longer. There's not going to be an upgrade. You have no chance of getting a faster speed and your only option for. At and t.'s. To switch to their wireless wireless comes with data caps. Right right so it's a lot. More expensive to maintain a wireless connection than a wire. Line connection i mean. We're talking about eighteen t because they're the biggest in heaven. Some ways been really conspicuous about this sort of weirdly slowing infrastructure. Build out but his. At and t. Any different than other telecoms in terms of this lack of investment in widespread fiber. We're seeing is is the lack of investment in the lower income neighborhoods by. At and t. With verizon we see skipping of whole cities so so they're making they're each making their own choices as to where they go with their fiber investments and for the rest of us who end up in any of these places where those investments aren't happening. We need to say. Are we okay with that or do we need to somehow influencing either their decisions or coming up with our own solutions. We currently have proposals in congress. Right from republican members of congress that would essentially prevent me broadband that would in theory expand broadband access prevent cities from building their own so those proposals that restrict cities from building their own. Assume that the incumbents are going to distribute their fiber in a way that makes sense for everybody so but it's not equitable and so it really comes down to are we. Okay with the inequity. I met okay with the inequity right. Everybody needs access to fast broadband and it needs to be affordable and so if we have places right now it's already state laws state laws that say no no. The local communities cannot build their own infrastructure and if we do that federally than limits all those options and we as a country relate. Yes we build things ourselves and then the government's like no no no. You can't build it yourself all. That doesn't make any sense. So then let's talk about this. The wireless future the five g future. Do you think that that will benefit some of these underserved areas or might we see the exact same thing where we now have next generation networks that further entrench inequity. I think we have to assume that. Five g will bring further inequities. There's no reason to think that the current technologies aren't being ruled out equitably that the newer technologies will be rolled out equitably. We all know that we should learn from history. Learn from the best and so just changing. The technology isn't going to change the business model. The business model remains the same and currently there is just to put a fine point on it. You said this is a commodity right. There are not regulations. There's nothing to prevent. Companies from not serving specific areas broadband is very lightly regulated. So at this point in time congress and others could choose to change this at this point in time. There's nothing to keep companies from rolling out broadband infrastructure. Where they feel like they're going to get the highest return. Angeles is the executive director of the national digital inclusion alliance in a statement. At told us that quote our investment decisions are based on the capacity needs of our network and demand for our services. It said any suggestion of discrimination or redlining was wrong
Community-powered solutions to the climate crisis
"Home. It's where we celebrate our triumphs. Make our memories and confront our challenges and these days there are plenty of those an historic pandemic wildfires floods and hurricanes all threaten our basic safety. These challenges hit even harder in communities that have been cut out of equal opportunities in the us. Unfair and racist housing policies called redlining have for decades forced black brown indigenous and poor white families into areas rife with toxic chemicals that make people sick. They're surrounded by concrete that traps extreme temperatures demand more cooling more money more energy more carbon. Our problems are interconnected. Imagine all we can do when we realized the solutions are two at the solutions project. We've seen that some of the people most impacted by covid nineteen least likely to have a steady place to call home and most affected by the damage to our climate are already working on effective and scalable solutions. Take buffalo in miami where affordable housing has become a community solution to the climate crisis. Buffalo new york is the third poorest city in the united states and six small segregated but our people. How're is strong. Over the last fifteen years my organization push buffalo has been working with residents bill ren- affordable housing deploy renewable energy and to roll the resilience in power in our communities. We saw heating bills soar over the last pay. We organized state policy help. Small businesses into our people to work. By the rising homes we responded with equal landscaping ingredient infrastructure when record rainfalls flooding our neighborhoods. We replaced the concrete that overwhelmed and may heat ways unbearable. Let us visit school. Seventy seven and eighty thousand square foot public school building that was closed and abandoned for nearly a decade but pushed off low in the community transforms to solar power forcible senior apartments and a community center. This is what the community wants it when private developers were school building for high end loft apartments eight hundred residents mobilized came up with a plan. We became new york. State's first community. Solar projects in during the coronavirus pandemic abon tier running mutual at catalyst. Miami anga miami climate alliance. We work with dozens of other organizations to enact policies. Ride safe housing anthrax climate. Here in miami. We've seen a four hundred percent increase in tidal flooding between two thousand six and twenty sixteen. And i've seen forty nine additional ninety degree days per year since nineteen seventy. We fought for the miami forever. Bond to fund four hundred million dollars for affordable housing and climate solutions. Yet every day we continue to see luxury high rise condos being built in our neighborhoods added more concrete in heat on the ground. Some of our members are taking matters into their own hands. Literally conscious contractors is a grassroots collective that formed during hurricane irma to protect rebuild and beautify our communities all while increasing energy efficiency. They don't think that anyone should have to choose between paying a high a. c. bill and living in a hot in moldy house that will worsen respiratory illnesses such as asthma or corona virus. They fix problems at the source. Advocates across the country are holding their governments accountable. Climate solutions that keep their communities in place we need to push from reportable housing green infrastructure and flip protections because these are the solutions that solve many problems at once.
"redline" Discussed on Factually! with Adam Conover
"You lose your license. You lose your job you totally a car. You kill someone. It only takes one mistakes ginger life or someone else's forever play it safe and plan ahead to get a ride drive sober or get pulled over chance. Hello welcome to factually. I'm adam khan over and today we're facing something that i like to call a national housing crisis. I don't like to call it. That i don't like to call it anything but that is what it is People in america do not places to live that they can afford. And unless you miss this people need a place to live you know just like they need water or food you fundamentally just have to have a place to be as being part of a physical object extended in space. You know you. You need a place to put your mass. Just like you'll think about how karni garage you need a garage but for your body because that's the thing that holds your brain in it. I you follow. I only me to keep going on all right and yet that fundamental need is all too hard to find people in this country and frankly in many other places in the world you can see this crisis in the high rates of rent burdened people the number of addictions and the high rates of homelessness. Say you're a renter with the minimum wage fulltime job and you'd like.
Redlining left neighborhoods vulnerable to heat
"For decades. Many banks refuse loans to people buying homes in certain urban neighborhoods. the lenders claim the loans. Were too risky. But that assessment was heavily influenced by the race of residence. This practice is called redlining and it left lasting damage. In many communities reduced individual wealth home ownership and investment in schools and transportation in recent research shows that formerly redlined areas are also more vulnerable to extreme heat. Jeremy hoffman of the science museum of virginia says these neighborhoods tend to have fewer shade trees and more pavement making them hotter nationally. It ends up being about four and a half degrees. Fahrenheit warmer on average during the summer in these formerly red light areas than in their non redline neighbors the problem will get worse as the climate warms so hoffmann says to protect residents health. It's important to find immediate solutions like building. Shade structures at bus stopped planting trees and adding parts could also help cool neighborhoods in the long-term reimagining with of the individuals in the communities that were redlined. What's their vision for what their community looks like in the next ten twenty thirty years
Metro: No intentional tampering of evidence in detached Red Line cars in Washington, DC
"This metro mea culpa. The Transit agency says there was a problem with the investigation when some redline trains recently decoupled trapping riders. The Metro insisted wasn't evidence tampering after cars on a red line train decoupled earlier this month near Union Station, leaving some passengers stranded for hours. Investigators discovered that someone may have manipulated evidence. Metro Chief Safety Officer Teresa Impastato admits evidence was not secured properly, but not out of trying to hide anything. There were no attempts made. Of nefarious It's origin. We believe that this wass the results of the lack of clear and consistent communication and enabled by gaps in our process for securing evidence. Metro board members are also concerned that there was no way to communicate with the passengers stranded after the cars they were riding
Celebrating #BlackJewishUnity Week with the National Urban League
"Next week, two of the world's foremost human relations organizations the National Urban League and J. C. will unite against surging levels of Anti Semitism and racism to declare black Jewish unity week. Together, we will strengthen ties between our nations black and Jewish communities and combat all forms of hate. To discuss the importance of this event and to talk about the challenges of fighting racism I'm joined now by Clint Oda, the National Urban League Senior Vice President for Policy Advocacy and the Executive Director of the Urban League's Washington Bureau Clint, thank you so much for joining us. It's a pleasure to be with you. Now this special week, this black Jewish unity week is not happening in vacuum. It's happening because of rising antisemitism and racism in this country my listeners here plenty about antisemitism. So I just wanted to start by asking you this. It's been a Helluva summer. How are you? I would describe myself as weathered a little bit. We've been going through this quite some time this summer at least the notoriety of these police incidents are is much higher than it has been in the past. So we're we're hanging in there. We don't have a choice. Because this work is so important. And it really does reinvigorate me to see that we've got allies in this fight and we've always had allies in this fight but to see them step up in the way that they have his really reinvigorated me and I'm very excited to keep the fight going. I'm sure that our listeners are familiar with the name, the Urban League because it is etched into the annals of history of this country and anyone who knows anything about the civil rights movement will know the names of the Urban League of the ACP Snick we can go deeper also start really getting to the deep cuts. Tell us a little bit about. What the Urban League has been up to lately and what you've been up to especially over the summer in the wake of the George Floyd killing and other events in recent months while we're one, hundred, ten year old civil rights and Economic Empowerment Organization and we have been working on I'd like to say ending systemic racism for the past one. Hundred Years. we've been doing that through our programs such as making. Housing more Ford audible teaching people how to purchase homes how to stay in homes. We've been helping people to get work meaningful work they can sustain them and their families. We've been working the traditional voting rights area and civil rights area for the entirety of our existence but social justice is taken on a real importance in our work right now as as well as doing all this work in the midst of a pandemic So that's so interesting what you say about systemic racism and then specifically citing home-buying and things like that. You didn't mention education, but I think there's a pretty robust education. Portfolio at the National Urban League as well. Absolutely I think if you look at AJC's goals and National Urban League goals, you'll see mirror images of each other. That's been the real cool thing about this that this partnership and all of these things that people are talking about and I'll show my millennial miss. All of the things that people are are posting on instagram talking about explaining what systemic racism is and why you know wealth divides between black and white communities are so important and underpin. So many elements of of racial injustice today all of those things are things that the National Urban League is. Working on absolutely and I can't say that when I started about a year and a half ago I spent the previous ten years working in the United States Senate including four vice presidential nominee Senator Kamala Harris. I believe crazy how these things happen working for her and the agenda that she pursued is so consistent with the work that I'm doing today. One of the first things we did when we walked into the place is lead a resolution condemning hate antisemitism anti racism xenophobia homophobia. It's as important to her as it was to me and so coming here was just a natural extension of that but. As I was saying just the Times in which we live are so unique and perilous parallels between the early nineteen sixties which I'm sure we'll talk more about and today are really really compelling. It's almost like we're back in the sixties again, I want to go there right now because this week is going to be all about black Jewish. Relations and the story of black Jewish relations is not a new odd. We might be writing a new chapter, but there's a whole book that comes before us here. So what's one element clint of the Black Jewish relationship that has meant a lot to you personally. I would probably say the religious and spiritual aspect of the relationship. Growing up as a as a young kid in the deep South. There were a lot of Jewish people around although they were president. We didn't know it I grew up Protestant Christian and a great story is on Sundays. We were always able to use the parking lot of the temple across the street and it used to just puzzled me is to how generous the temple folks could be. Given that they must have services on Sunday to. Eat of the temple was empty or they were just being generous over time and as I moved out of south, then went to law school and live here on the East Coast I. got a much greater appreciation, not only for the religion. My Wife, for instance, used to teach at a Jewish day camp in new Rochelle New York but just meeting. So many friends of the Jewish faith drawing those connections between my own faith and their own and. Also learning the rich history of black Jewish communities especially in the era of civil rights as a lawyer was a big fan is that really don't have you could come up with a Thurgood Marshall and no understanding of the work at the end of Lacey P., Legal Defense Fund was complete without understanding the role that Jack Greenberg played and lots of other Jewish folks in philanthropy in spirituality and pursue the nonviolence movement just a wonderful partnership over the years. As a religious person myself that resonates with me a lot as it happens our listeners probably talk about this before for college I went to a joint program between Columbia University and the Jewish illogical seminary and actually not migration at the graduation of the class ahead of me which attended representative John Lewis spoke, and of course, John Lewis all of our listeners will remember passed away this summer I think he actually was an ordain ministered and he told a story that I'm sure you've heard before because I've heard until it multiple times of preaching to his chickens in Troy. Alabama and that had a certain resonance in this audience of basically all Jews including some we're going on into the rabbit. Those ties between our communities where were not everyone is a person of faith but certainly, there is deep faith and religious history kind of threaded throughout our communities I think those are really really powerful things to focus on. And I hope over time you take a look at surveys of religion in the country in other pugh has done some study in this area religion is trending down a little bit. Don't always necessarily consider themselves religious if you look at community surveys and so it's really important to reinvigorate this relationship and put it on a firm spiritual pudding in Judeo Christian tradition is so rich in the African American community and there's just so much there to really build on. I'm really looking forward to getting that history more prominently understood and remembered in our communities. So when we're talking about black Jewish unity right and we're talking about building black Jewish unity they're really two levels to it, and this is something that we talk about with a lot of our advocacy work. At AJC, there's the grassroots and there's the grass tops right. I want to ask you about both. Let's start with the grass tops right at the high profile level at the celebrity role model level, the politician level what do you think? Needs to happen there to demonstrate the Jewish people and black people should work together and are stronger together. The grass tops may be one of the more important roles in unity and understanding. We are a celebrity driven culture for better or for worse and ideas have a lot more resonance and a lot more acceptance when someone that you know and admire to saying the same thing. So grass tops to that extent are the key in moving opinion. Notions like reparations notions like black lives matter notions like social justice have mood and pretty quickly I think because athletes because celebrity on television and other artists have been saying the same thing and in a short period of time we've seen. Opinions shift in this country not just age not just religion not just race, but everything seems to be moving in the right direction from a popular standpoint. The grass roots which we're going to talk about next is where you really determine how sustainable this movement is. Right. Yeah. So tell us about that I mean in our neighborhoods and our schools in our churches, our synagogues mosques, how can we strengthen those relations? Sure. I've seen a lot of encouraging evidence that we can do this at grassroots level. This is a very human. Very, empathetic movement when we're talking about grassroots, we've seen some of these grassroots efforts come up in. Pittsburgh for instance and New Jersey. And in Brooklyn where when horrible acts of hate murder violence take place the communities come together and they usually come together I with religion. It's the pastors it's the churchgoers. It's the temple goers that really give me some hope that we aren't just a moment, but that we're in a movement. So I think in many ways, the church and the faith community are are in central piece of grassroots. That's kind of what I'm seeing sort of on the ground right now I think black Jewish unity week can drive those grassroots even deeper because understanding the tragedy of the moment is not nearly as important as understanding these deep historical ties right in our faith and our families and what we want from each other in shared history sometimes things that aren't so great sometimes shared history of oppression. Lutely, and for our listeners WHO WANNA learn more about black Jewish unity week, they should go to AJC, dot org, slash black, Jewish unity, or text black Jewish unity all one word to five to eight, eight nine not to keep hitting the faith note here you know we're we're a pretty secular organization in JC but I love what you said about the houses of worship I live on the upper west side of Manhattan which is this incredible. Kind of Jewish bastion historic whatever and if you go twenty blocks down for me in twenty blocks up for me, you probably are GonNa pass by twenty synagogues total and we're also steps away, I mean. We're a mile two miles away from Harlem and the two neighborhoods are very different and that's something that's worth exploring as well. Why that is how that happened etcetera, the strengths and the challenges of both communities, but I was in synagogue on. Chabad after the shooting in Muncie and Lo and behold there in the front row, was a a delegation from church in Harlem that wanted to come in and to be there and to show solidarity, and they got up and spoke after services, and then fast forward to this summer were all obviously in lockdown. But the rabbi of the synagogue made kind of Zoom appearance at that churches services after the killing of George Floyd talk about solidarity with. The black community in the wake of the killings of and Taylor George Floyd and so many of the challenges of injustice that are being faced right now and I think you're right that the grassroots level it. So often does start in those kinds of houses of worship, our religious leaders reaching out one to the other in something that you said, really struck me about the proximity of Latte community and Jewish community in relatively small plot of land. As a policy Wonk I'm sure you appreciate this but either just for the benefit of your listening audience, blacks and Jews were both subject to the same kinds of redlining restrictions in many ways throughout much of the United States where banks would identify areas and they would say this is a desirable area in this is a less desirable area, and so you know Jewish and black families were often circumscribed by these lending lines that still have an ongoing lingering vestige today. If you look at housing segregation patterns certainly in the African. American community they are just as bad as they were in the nineteen sixties things like bike homeownership, which is at a low point especially because pandemic in or closures any fictions Is Worse than it was in the late nineteen sixties. So some of these things we were still wrestling with they seem twins dental, but they're not incidental at all. But again, it's this proximity you know that gives me hope and hope that even outside of crisis, we can expand and strengthen these relationships crises great reasons to get together but it's the more sustainable relationships happened over time outside of the crisis built on shared values and shared interests. So once again, this Jewish unity week has the potential to to be a real game changer. Well, so talk A. Little bit more about that. What do you hope is going to come out of this week if you believe that the basis of a better relationships and greater understanding comes from exposure than my hope is that we can use this week to focus on our rich history on our shared cultural values and to help understand things that we may not understand about each other but to be able to come together in a safe place and talk about those things, this has been tried in lots of different ways you know with lots of different impetus over the years. But in this country, as you know until you can make a sort of a holiday of it until hallmark starts to sell. It really difficult to have something that is stained and that you can go back to know every year. and. So that's the thing that excites me the most I know how excited I was to leave the south. And to meet people of different faiths including the Jewish faith and and get to know them get to count them among in my close friends. I would like that for everyone and so that when issues come up in our communities as we saw in Brooklyn I think earlier this year there was a really terrible assault in Brooklyn by a woman African American woman and if we had a built in long standing. Unbreakable trust between our communities. We can weather the storms we can come together and mutual condemnation, mutual understanding and mutual healing. It's not enough just to condemn something, but it's more important. I think to learn from it and make sure that it doesn't happen doesn't happen again and then five years hence, we can be sending each other black Jewish unity. We cards produced by hallmark absolutely creating whole new language in a around. It, it could be it could be urban slang and Yiddish expressions that. Unless you're in the know you don't you don't know. I'm hopeful hallmark if you're listening. Might be onto something big year. We'll see we'll see what's things we can pull their. I want to close by asking you for a few tips for our listeners actually the few months ago we had an amazing friend of AJC on the podcast named Eric. Ward. The Executive Director of the Western states center. We were talking about racism and I asked him what he thought as a professional opponent of racism and as a black man, what he thought American Jews should be doing to fight racism. His answer was pretty surprising to me actually because he said the best way for us to fight racism was to fight antisemitism since in his work he's bound that white supremacist racism is always based on a foundation of Antisemitism. So I I'm just interested in your reaction to that I, I think I'm citing him basically correctly I'm interested in your assessment of. That and second I want to give you a chance to answer the question from square one. Also, you know what would you like to see Clinton? What would you like to see American Jews doing proactively now to be effective allies in the fight against racism and I WANNA go back to Eric's point. Let me see if I can make this one I. I've only recently come to understand the difference between anti-racism. An anti-discrimination has a lawyer I've grown up understanding that if you want to fix racism, you have to attack it as a matter of non-discrimination don't discriminate against people in hiring don't discriminate against kids in school, and sometimes that anti-discrimination is in the form of color blindness. So whatever the remedy is, it can't be race specific right because the constitution doesn't allow such a thing but let's let's just come up with big broad sweeping solutions that african-americans might incidentally benefit from. You know by virtue of maybe being lower middle income people, we're going to come up with solutions that will work for everybody including African Americans. I've now come to understand that that's just not cutting. It goes great disparities that you talk about the at the beginning their persistent for a reason it's like trying to perform surgery with your eyes close, but you may be able to route around and feel where the patient is but your ability to be precise with a scalpel. And and fix the problem identified at problems impossible. If you don't open your eyes that has been the character of how we approach race in this country for decades. I've now come to understand and have really been encouraging others to join me in. This is becoming an anti-racist. It saying I may not have owned slaves I may have never committed an act of racism or discrimination. Even if that's true. You have to personally get involved to fix these problems. It's not enough to say, well, you know we have laws to address those issues. Laws had been very inexact and very unhelpful. In many ways you've got to get in there, roll up your sleeves and say, okay, is lack of capital in the black community a problem I need to figure out how to get more capital into black communities are educational disparities problem. Okay. I need to figure out how do we improve schools whether it's funding whether it's through pedagogy whatever we need to do, but we need to come up with solutions that actually help. Like people. And not just. Continue to perpetuate these gaps in Hustle meeting well in educational opportunities and health and civic engagement. That's my biggest message to the community, the An anti races. Just. As you know, we should all be fighting against anti-semitism. It's not enough to turn your back and say, well, you know they're not talking about, knee they are talking about you. And it's when we get to the point where those protests and in the halls of Congress where we're trying to make change we see people who look like you see people who would like me and seek people or Asian and and people who are all different walks of life saying we are here because we care and black lives matter and we've got to change the way this country works. I want to dive in and ask a million more questions and and talk so much more about where you just this conversation we are unfortunately out of time. So I hope that this will be an effective way to wet our listeners appetites for the week ahead, I should just add that in addition to his impressive titles at the National Urban. League clint wears another half. It's one of my favorite. Hats it's the hat organizational podcast host and Clinton is one of the hosts of for the movement the National Urban League podcast which people should check out and especially check out for this next episode where my colleague Dan Elbaum will be a guest on the show. We will link to the podcast in our show notes, Clinton let me just say once more. Thank you so much for joining us this week. She said thank you for letting me be here.
"Sports blogging" with WhiteSox Dave - Episode 028 - burst 01
"You just said your redline Radio podcasts how do you get players on? We'd do other huddling on our own so you don't go through the team. I if point no boy I always give them the a heads up. Yeah. Like a professional courtesy. So if like Giulio or a Redan or you know Danny Mandich was on last week or two weeks ago, those guys I'll do is hit me. Hey on this. And they they like that are style of interview. We. Don't talk a torn about baseball like we'll talk about college. Or Video Games or music or you know what you put on your accounting be sandwiches like that kind of stuff. So it's like It's Stanford I'm Kinda let their hair down a little bit and just beat themselves. So it'd be like that and they enjoy doing it. So you are you around the team are you allowed to be around as a reporter? Do they the players know you or is everything done remotely? While right now we have to be remote I. if like they've given me processes when I've asked for them but that's not what I'm here for like there's enough people that like got merging a good friend of mine like those guys all do a great job. like covering the team from the beat writers perspective I. Don't try to do that I try to cover it from the homer fan boy perspective, and that's why that's made us successful and way. So when is Steve Stone coming on Redline Radio Broadcasts? We will find out meeting tonight online last night. Last. Night Stock Math winters a friend of mine very rayfield and He won talked he came in our office today and they do the video for the next day that they earned the broadcast I was in I can't him come into the office from video I'm not positive. They're GONNA wet Like me being a video or they're going to allow it so we'll see I didn't see anything wrong to him like I and I. Hundred different time go at week or so. He said that like fans shouldn't be carrying about wins and losses right now that we should only be happy baseball back I disagreed with him I'd say, Hey, like we haven't seen a playoff team since two thousand twelve. We. Expected a team to be really good this year they just started one in four like what did you expect the reaction to be any blackmail for like? Think, Long. Neck or anything and I never would I eat don't like he one of the smartest guys you can yeah, ever pop into. Site dating wrongs we agreed any black me. He didn't WanNa talk about which whatever but I made a joke of it, and now I think and of course, people took it too far and were you know sending him tweet about me that are completely false and everything and He he like want nothing to do with me. But if that's the case then I'm GonNa, do my job and have fun. So. Do you think that his reaction was just like a straight up no tolerance to like going back and forth on twitter or do you think the he in a way like knew who you were or knew about the barstool brand just didn't want to deal with it. I think that I do not think you know. He's he's seventy three years old look throughout the day. So He's obviously a little out of our demographic. I'm assuming he's not living on twitter like you know all of us millennials are used as and so I do not think he has any clue. Once. We had our little back and forth and like I said, I, wasn't like I was mad at the team because I like better I think and I said I, I don't think I'm not worried about the team I met that seems underperforming which they underperformed Carlos or Don came on the podcast after he got shelters I start and he's like suck last night I'm terrible I August insider first innings to nothing I can't be putting my team to nothing like they knew it to the players knew it. They weren't mad at me nobody else's mad at me so why why he's Like. Everybody was in agreement with me that the team was underperforming and that's always said and he and he was not have actually I. think he was in on the joke for a while until people were like taking it too far from Bharti retreat, which was not what I intended whatsoever so.
How One Block Got Through It
"Over the past five months small businesses in America have been undergoing a mass extinction event. Bars are closed restaurants or half empty and retail is shuttered. Full blocks are slipping away. I wanted a sense of how this is playing out in the city I live in. CHICAGO. Not The one off story of a beloved are not the frightening toll in national statistics I wanted the story of one block. So I went to seventy fifth street in the Chatham neighborhood in the heart of Chicago outside. This. Part of the South side is really pretty. There are huge street trees flowers on the steps of the bungalows brick two flats al capone used to live in one of them. Many corners have signs from block looks setting the rules of the road. No loud music no car repair watch out for children playing. Even middle class parts of the side commercial corridors have struggled. redlining big box stores, job loss and black flight have left them full of vacancies. There are signs for businesses that have been gone. So long their phone numbers don't have area codes signs for furniture stores, nurseries, food markets, stores that sold beepers. which is what has long made this stretch of seventy fifth street, just east of South, Michigan, Avenue Standout, and what makes it stand out? Even during the pandemic. There's a handful of hair salons and barbershops. There's a dentist and a daycare. There's a cycling Ju. We're one day I visit. The DJ is wheeling bikes onto the sidewalk for afternoon classes. A little bit nervous, south. Arm. Being. There is a cult favorite, vegetarian joint Zoll Veg, which always has a line inside and if famous barbecue joint limbs, which always has a line outside. Large To dry cleaners where the pressed uniforms of Chicago police and transit workers hang under plastic and a Taylor who says online ordering suits him just fine. To never going to stop because you combat it fit to perfect. You're going to need some ultra and that's why. There's a deli run by an ex COP. I went there cover in plain clothes they know who I was and I got to a fight. So, as may have started the fight, my gun thought of mine waste and me and a guy is literally fighting for this pistol. There's a bakery, a frame shop and Francis Cocktail Lounge. The Bar has been here since December thirty first nineteen, sixty five muhammed leads to drop by Michael Jordan too. So we are the Regal. Beagle. You don't know three's company. So a lot of people, it is the neighborhood where everybody knows your name and we're able to have people come out and have cocktails on the front. So that has really seemed to. Help us excuse me you got to mass. Need, you have on the bads. Jada Wilson turnball runs the place with her cousin who's mother founded it. If you can't tell, she used to be an assistant principal at a Chicago Public School can't you put on your mask plays. Thank you. So, much. Appreciate you. Working with children really got me ready for this. One reason I picked this stretch of seventy fifth street was because it seemed on paper like exactly the kind of place that would have struggled to get through the pandemic stretch of black owned family businesses in a city that has been hit hard by. COVID. Nineteen. But what I found was not what I expected. Mid July virtually every business on seventy fifth street had reopened after the initial shutdown. Some were just getting by, but many of them said in spite of everything that they were doing. Great. I'm Henry Bar and this is the final episode in our series on the future of the during and after covid nineteen. Today, on the show, one block on Chicago's south side tries to get through the storm.
White House signals support for $600 jobless benefit
"Trump to his credit, and you won't get the credit. But to his credit, Trump and some of the Republican allies in the Senate signal that they want to extend temporarily. These $600 per week expanded jobless benefit in order to fill the gap between now but nobody listened. Nobody listen, They just sort of left. Democrats have so far rejected an extension to anything. And they say the next relief bill needs to move as a complete package. Do you think they'll get punished? By the way? Do you think they'll get vilified in the media? For not wanting to do any work. They passed there. What the hell did they call it? They're heroes package. Which was nothing. But ah loaded down situation with money for special interests and attempt to buy votes for the Democrats in 2020. That's all it was. It was an attempt to purchase the 2020 election with your money. By the way, That's what that was all about. Now. Republicans argue the provisions passed in March at the peak of the crisis has discouraged people from returning to work. As when Ah added to their local inflamed benefit. Some workers are taking in Mohr than they had been paid to work. There are actually people benefiting There are people doing better right now. Not working. So where is the incentive? I mean, people want to go backto work? Sure. Percentage of people do. Some people like sitting around and watching TV. Even though there's nothing on TV, my God! I have seen every friends episode Every single friends episode at least three times since this started because we got into a bad time where there's nothing out there. I mean, show something else. I got really excited. A few weeks ago, they started showing psych marathons on TV. I loved psych for a while, they were showing Xena Warrior Princess Marathon. I like that. Watch those with sound out that kind of stuff. So I like that, but for by and large on a daily basis, I think it's on TBS. The on ly thing. Toe watch that's worth watching that has any entertainment value on TV. That's on TV. That's not streaming or anything like that is friends and I have seen every episode because my daughter is obsessed. And the words, guys. You guys are so lucky. You get to watch this when it was on my God felt lucky. Um, like watching Jennifer Aniston. I'm not gonna lie anyway. Democrats note that many people don't have jobs to return Tio with unemployment hovering around 11% in June, well because the country is not opening back up. So I mean, it's not, you know, one doesn't necessarily equate to the other President Trump was willing to extend the $600 bonus for another week as a bridge, while horse trading between the two sides continued. But the Senate adjourned as he addressed reporters at the White House on Thursday evening. That was a flaw. All right, not everything. I don't care what anybody says. Not everything Republicans do is perfect. Not everything Democrats do is bad. That was a mistake. McConnell sent people home. People are going to remember that That was screwed up, and that was a mistake. There is no reason to go home. There's no reason to adjourn. Certainly not on Thursday. Well, everybody else has to work works Friday. You know has to work on Friday. They should've stayed. They should have hammered it out. That is 100% What they should have done. I don't care what anybody says. That was a mistake, and that's going to cost us in November's just the reality, Trump said. We want a temporary extension of expanded unemployment benefits. This will provide a critical bridge for Americans who have lost their jobs to the pandemic through no fault of their own. This's not anybody's fault, he said, calling on Democrats toe work with him on measures which would stop Americans from being evicted from their homes and to pass another round of direct checks, which which both sides support. You just need to agree on a on a number. Now, of course, Democrats have been married to what they call the heroes. They passed their $3 trillion heroes package. How much time do you think I've actually spent? On the actual bills for this kind of stuff. And how much time do you think has spent on the acronym Do you think they have a subcommittee that comes up with the acronyms? You think there's a group that sits around and then comes up with the thing and with the actual bill and all the money And how long after that, do you think? Do we have to wait until the sub committee comes up with the acronyms? Did you know they got they got they got to test it. It's got to be heroes. It's going to be something positive. Obama and, um, did so. Democrats passed in the House passed a three tailed trillion dollar package last month, which would extend the $600 per week federal boost to January 2021 while also allocated $175 billion for rent mortgage aid again. I don't think I need to be $600. I think that we need the rent mortgage aid, but the bit what's one thing you never hear about? Is the bill was loaded down with money for special interests in an attempt to buy votes for the Democrats in 2020. As a result, it had no chance in the Republican controlled Senate Conservatives have refused to pass a measure. Peter Ki, even eager to keep the fourth aid package to around $1 trillion. On Monday, Senate Majority Leader Mitch McConnell unveiled his own heels act. They didn't focus group that one. Heels. I know what they're trying to do, but it sounds like they're a bunch of heels. They needed to do better without one with reduced federal unemployment insurance, But the Democrats won't budge, McConnell said. Day drill redline and sand liability protection. In the next Corona legislation. Otherwise, we're going to get the courts are getting it loaded down. But under liability protection. The courts are getting it loaded down because people are going to view this was an opportunity, too. So we talked about it earlier in the show. People are going to file lawsuits all over the place because somebody some restaurant somewhere didn't require people to cover their mouth when they got something like that. I got sick when I got not shows at this place, and therefore that companies that businesses you know, insurance has to pay me $600,000 because I got covert and I was afraid and the mental anguish with diet. That kind of stuff is gonna happen, so we need liability protection. We don't need $600 every week on top of what the states are giving us. And more than anything else. Everybody on every side. Every side of the aisle needs to come together and talk and negotiate and not just hold their breath and stomp their feet and it was a big mistake to send the Senate home. Huge mistake to send the Senate home because they still have work to do.
Banks Under Fire for Alleged Unequal Lending Practices
"The practice of red lining were denying financial and other services to people based on race, was outlawed in nineteen, sixty eight, but last week several Chicago Chase Bank branches closed temporarily as protesters call for racial equity and lending from the nation's largest bank and expose published in early June by nonprofit newsroom city bureau and WBZ radio found that off the seven and a half billion dollars in Chicago home. Purchase loans approved since two thousand, twelve, less than two percent was loaned in black majority neighborhoods. The bank is also the subject of a Federal Class Action Lawsuit. That suit alleges that chase shutout. Business. Borrowers from the paycheck protection, program or PCP. Stacey Hawkins Armstrong's the founder of shop. poppin gourmet. Popcorn in Westchester. She told news station ABC seven Chicago the. She tried to file her PP loan application with chase. On the first day. They were accepted, but she got nothing but error messages desperate to keep her doors open and her four employees on payroll. She ultimately secured a smaller loan through a different bank. She believes that chase prioritized. It's favored customers and left small businesses like hers in. In the cold, She's not alone the US. House of Representatives is launching probes into how several banks including J. P.. Morgan Chase Bank of America and Citigroup made P P P loans according to the Orange County Register. Critics allege that big banks service business customers and Shutout underserved borrowers from the funding pool. redlining continues in subtle ways today, including in how P P P loans. Loans were distributed according to Everett. Sand CEO of small business lender lend Distri in a report in fortune as business wars daily reported earlier this month. The Small Business Administration gave no guidance to lenders to prioritize underserved communities about ninety percent of black owned businesses have no employees ease sands, says P, P P rules. Regarding sole proprietors came out last that let these entrepreneurs unclear about. About which loans were available to them? The SBA hasn't released the demographics of WHO received PPP loans, but a survey report by color of change and UNIDOs US is revealing more than half of black and Latin next small business owners who sought assistance requested less than twenty thousand dollars in funding only about one in ten received the funding. They ask for according to the report. One united the nation's largest blackout bank has been working to help black owned businesses get better access to loans in the second round of stimulus funding, federal government allowed thirty billion dollars to smaller and minority owned banks such as community development, financial institutions were CDFI's one united secured some of that funding with that on April. Twenty nine, the bank launched its own P. Program. The bank committed to lending to black owned businesses and self-employed people. It's I. P P Loan, went to an uber driver. Time will tell who was more effective in getting money to black owned businesses, but the stakes couldn't be higher. A recent report by the Brookings Institution Warns Covid. Nineteen could wipe out a decade of economic gains by black owned businesses as Congress debates whether create another stimulus round. The future of many black owned businesses hangs in the balance.
MBTA Services to Increase Significantly in Greater Boston
"Increase service on the MBTA with the state continuing to re open the T. will have more service on all subway lines an ad week day service on nearly sixty bus routes beginning Sunday and Monday shuttles will run of the Green Line CD any branches this weekend through a next week redline shuttles continue all weekend through next week replacing trains between Quincy center and Braintree
Google Toughens Anti-Discrimination Rules for Advertisers
"These days where you live in word can be dramatically affected by the ads you see online. That's also true when it comes to whether you can get a loan or a credit card. That's because advertisers love to use targeted ads to reach their ideal customers in this way, a Burger Company, for instance can avoid wasting its add by showing cheeseburger images to a vegetarian fair enough. But when it comes to housing, for instance, landlords in housing developers can use algorithms to choose not to show ads to people based on their race, parental status and more, the American Civil Liberties Union calls it web lining a digital version of the term redlining. That's a widespread practice that denied homeownership to black people on the Internet, if you're not shown an ad for housing employment or that low interest car loan, you don't know what you're missing for. Instance, if a company serves up ads for high paying jobs, only the men and not to women, women lose those employment. In this way, targeted ads can cause serious harm. That's the conclusion. Google drew last week on Thursday. The company announced that it's cracking down on potential discrimination by toughening up. It's targeted ad rules. Specifically, the search giant will no longer allow advertisers in these three groups to target users based on their gender age, parental status, marital status or Zip Code in addition, it won't let advertisers exclude ads from being shown to people based on these demographics according to Ad Week. Google claims its announcement. Announcement was not a direct response to ongoing racial justice protests. Rather the company says it's been working on the policy changes with the US Department of Housing and urban development or Hud since last year Google has prohibited advertisers from targeting or excluding people based on their race, ethnicity, religion and sexual orientation. For years, the new rules simply add to those existing requirements Google said, but companies rarely make these kinds of sweeping policy changes without something else going on, and here's what it is. Last March Hud charged facebook with housing discrimination based on the way it had allowed advertisers to target facebook users at the time Hud Secretary Ben Carson said, using a computer to limit a person's housing. Choices can be just as discriminatory as slamming a door and someone space according to The Washington Post. The department, let it be known that it was stepping up scrutiny on Google and twitter for the same thing, but if Google facebook and other online at platforms already prohibited targeted advertising by race, ethnicity, religion and other identity categories. How could that be? For one thing zip codes can be used as proxies for race. The Post reported which is why Google forbidding the use of ZIP codes in ads for housing employment and credit is such a big deal. Last March facebook agreed to overhaul its policies according to Ad Week. The changes Google announced last week or similar to those facebook undertook. It'll take some months to fix its algorithms to reflect the new rules. The company says it will definitely make the updates by the end of the year to what extent updates to personalized ads will actually be reflected in people's lives, which houses they may now consider buying or which apartments they'll rent which jobs they'll be shown online well those real changes. Maybe, be hard to see. But online rules, both reflect the culture and shape, and so the hope is that by cracking down on discrimination, online or offline lives will improve.
"redline" Discussed on News Beat
"Tweezers sodden Brad's.
"redline" Discussed on Consumer Finance Monitor
"And who is a leading expert on fair lending issues. And that's a good thing because today we're GONNA be talking about one of the most visible fair lending issues that's out there and that is the subject of redlining. I rich welcome to the PODCAST. Thank you Chris. Glad to be here. So we're GONNA talk today about redlining which there's always a lot of news about with respect to various enforcement actions on but but maybe you could start off by just giving the audience a brief description of what is redlining sure and basically refers to the practice That goes back. Several years is where historically involving typically banks but more modern Lee also involving non-banks where in a particular area particularly a metro area There would be a conscious effort not to seek applications from or make loans in certain parts of the area that were typically high minority areas and the term redlining comes from they would literally do is take a map of the area and draw a red line around the areas in which they did not want to lend so the loan offers who's new not to seek applications in that area now when we think of a lot of consumer protection issues violations of various consumer protection statutes we tend to get really focused on the CF. PB is the primary enforcer of those statutes. But when it comes to mortgage redlining. Is it just to see if we we are there other regulators that have expressed an interest historically or currently in redlining Yes there's actually a number of regulators Primarily it's it's been federal but were now also seeing state interest the federal banking regulators. FDIC and comptroller We'll look at their various banks. They supervise for redlining having a Hud. Who still enforces the Fair Housing Act? We'll look at redlining and a lot of the settlements recently have involved the Department of Justice so there are many federal agencies here that look at this issue and it continues to be an important issue in. I know folks believe with the current administration. The federal government isn't focusing on fair lending But that's really not the case. In fact there have been recent settlements involving the Department of Justice On redlining issues shoes. And in fact I think we've also been aware of the fact that on the supervisory front both the CFPB the federal banking regulators are just in the current year doing doing examinations that are specifically geared towards redlining. So I think you're right that there's no reason to believe that the different administration has brought about less focus on redlining doing exactly. We've been involved in both investigations and examinations involving the bureau during the current administration. So you you just don't know about these if the results are positive for the client and that's you know doesn't result in enforcement action but the bureau is looking very intently at redlining on a yup and so let's get a little deeper into how the bureau or the OCC the FDIC hut or the Department of Justice just might evaluate a set of facts for potential redlining. And they're sort of a recipe. That past enforcement efforts seem to have followed to make a claim of redlining against banks that do mortgage lending. What is the recipe rich yet? Generally we've seen a fairly consistent approach recently and with a bank The starting turning point often is the analysis of the Community Reinvestment Act assessment area. You know the banks have to delineate. What their assessment area is an an often what the regulators will look for is is the shape of the area perhaps a horseshoe a- doughnut or sometimes even crescent were? It appears that what the bank is trying to do is specify areas of metropolitan area and exclude from its assessment area high. Hi minority areas so there the thought is it shows a visual almost conscious attempt to focus lending efforts verts andbranch activity in majority white areas and exclude high minority areas. So that's often one of the first things they will look at. Also that goes along with. That is where the branch locations and if there were few or none in a high minority areas than they will also look at. Does the lending seemed to be centered around the branch locations because obviously if the lending centers around branch locations and fewer no branches ranchers replaced in high minority areas. That's another signal to the government that the bank is intentionally trying not to lend in those areas. Then what the law also so do. What are the marketing efforts? What marketing has the bank engaged in and to what extent was the marketing targeted to high minority areas? And often you find that in these cases where they've moved forward. The marketing was focused on areas outside of the high minority areas. Finally what they do and this is somewhat somewhat controversial because they the regulator decides who are your peer lending institutions which is often debatable. Where the institution often disagrees? Who's WHO's included as its peers? But what the look at is the amount of applications that the bank under examination receives from high minority minority areas and compare that rate to the peer institutions often. What you'll find is by several months multiples appearance Touche's receive a higher percentage of applications from high minority APP areas? Similar lead the look at actual loans made and again often. The peer institutions wins by several multiples will have a much higher percentage of loans made in high minority areas that is been fairly consistent another factor. They look in in general are. What is your staff? Look like particularly your loan originators. Does your staff reflect the ethnicity and race of the areas in which you lend That is a particularly important thing because that protects your image to the public often loan officers appear in ads or on the website website and the regulator. It's it signals who you willing to deal with. So those are consistent factors that we see and they're often incited and complaints Brought by the agencies for redlining yen and in addition to those that normal set of factors that you went through we have on on isolated occasion seen other things so for example in the Bank Corp South case there was an allegation in that complaint about a recording of loan officers talking in a meeting eating and having discussions in which they made statements that seem to indicate an attempt intent to redline So that's not a normal element that we see in most cases but when when that's direct evidence is available so the government though obviously look at it as well that is that is an important factor because what it raises is one thing. The government often relies is on today. which is the whistle blower and clearly? There was a whistle blower in there and one thing that case pointed out is all of your employees are carrying around these things smartphones smartphones which are capable of recording long conversations. And that that's something in terms of policies in general just not fair lending but overall companies need think about yeah. I think that's a very important point for audience to hear now. You just went through sort of the historical set of factors that we've seen in complaints. Alleging redlining over the years against banks And as far as I know every redlining enforcement action that's ever actually been brought has been brought against a bank but in your comments earlier in the show rich you mentioned both banks and non banks. What's going on with respect to non-banks redlining yes? We know in fact. The bureau is looking looking both in the examination. Context and in the investigation contacts at redlining involving non banks and big issue for the industry here is is where is the guidance Non Banks and banks are completely different animals so If the bureau believes redlining applies to a nonbank. Where's the guidance silence for the industry to follow in knowing at least what the bureau's concerns are so they can adjust their practices or perhaps engaged the bureau whether those concerns earns are valid? What we have seen is the bureau tends to apply the approach us with banks which is focusing on the branch network sort of taking the community reinvestment? ACT SORT of approach. But they're big factors here where non-banks differ first non-banks are not subject to the Community Beatty Reinvestment Act so they don't have an affirmative legal obligation to serve all areas of communities in particular to focus on low and moderate income areas areas. That's a big legal distinction second branch. Networks really aren't how non-banks typically deliver their services often often. The branches are simply where the loan officers happened to live or where a branch that the non bank acquired happened to be located and those hose offices can lend frankly throughout the nation usually. It's just a limit of where the branch and where the loan officers are licensed Not and they don't necessarily focus only on the narrow area where the branches located so we think there is a disconnect in using the branch focused when doing a redlining analysis of non-bank another big factor is banks have a lot more resources than non-banks in in particular a bank and hold alone portfolio whereas a nonbank mostly only make alone that it sells this limits the ability for a nod banks to offer offer products that are tailored to low and moderate income individuals. And what we have found is it appears. Bure hasn't fully appreciated that difference when I'm doing a red lining analysis. Do you think it's fair to say based on our experience. Rich where we've seen the bureau doing exploration of redlining through both examinations and investigations. Do you think it's fair to say that. They appear to be looking for an example of a case in which to apply redlining principles to a nonbank on bank. Indeed we we think they are looking for the perfect example to bring forward and just haven't haven't found yet But there are things we we think that nonbank should look at to decrease the Potential for the bureau to select them for redlining. One is in fact. Just how are you portrayed to the public and the way most companies now make portray. Today is the website and you look at the website. 'cause we know of one case where we think what was a factor in triggering. An investigation is the company. Had its loan officers on the website and pictures of the loan officers and almost all of them were white males and that was a factor. The bureau noted In its investigation that was of concern turns to look at how. You're portrayed look at your staff and if your staff is not diverse. We suggest focusing on diversity for a variety Heidi of reasons But one of them is in fact. Because that's what the bureau seems to look at initially because it's very easy to scan websites of lenders lenders and they also look at frankly the hump to data where you're lending In a given area again we think they're applying bank analysis where bank really has an obligation to serve all areas where it's located and nonbanks don't have that legal obligation so we think there is a disconnect there but but it's probably worth having your lending patterns compared with the lending patterns of similarly sized non-banks in your area just to see if you perhaps standout dowd having a lower volume of applications and loans.
"redline" Discussed on Marketplace Morning Report with David Brancaccio
"Spoke. We listened. Marketplace socks are back right. Now we have a real deal for you. You can get not one but two new pairs of socks. That's one for each of our new marketplace designs when you donate sixty dollars or more today or you can sign up to give five dollars a month on same deal support independent news you trust at Marketplace Dot Org and get these snazzy new marketplace socks as a thank you for your contribution and and thank you for believing in what we do we really do appreciate it after forty two years. There's a detailed proposal to overhaul a federal law designed to stop discrimination when people try to get loans to buy houses. This is the community reinvestment. Act One question for advocacy groups politicians industry and let's not forget. The public is do the proposed new rules making it easier for banks to comply weaken the rules. One key banking regulator does not see it that way Joseph Auden was appointed by President. Trump is the country's thirty first comptroller of the currency his office of the control of the currency. OCC has just put out the new plan for public. A comment mister outing. Thanks for joining us. Oh my pleasure David. Thank you very much for having me. So what is the problem that these changes are trying to fix. Give me an indication. Well David The community reinvestment act is a law that requires regulators like the OCC to encourage banks to serve the communities where they do business and has resulted over the years. There's and trillions of dollars flowing into underserved communities since it was originally acted in one thousand nine hundred seventy seven however the rules have not been updated since nineteen ninety-five live as you can imagine banking has changed communities have changed and the way that consumers receive financial services has changed the proposal by the OCC the FDIC Z.. Would update in our opinion. Strengthen Sierra rules and encourage banks to lend and invest more in underserved urban and rural communities and this would facilitated facilitated so the lenders and the people who might apply no the terms of what qualifies for the Cra Community Reinvestment. Act Money Yeah if island profit profit organization and I'm thinking about doing something in my community and maybe that's a you know how to help people prepare for a job or help people to understand Dan their financial services needs or small business lending that cra a people could understand that this could be a solution to their needs in an ideal world. All the bank regulators would agree on these proposed rules but I know that while the FDIC might be on board there's some reluctance from the Federal Reserve the OCC manages the banks that have oversight for about seventy percent of the Sierra activity across America and the FDIC is another. They're fifteen percent so eighty five percent of the Sierra investments lending across America would be covered under this I would say that we worked very hard with the FDIC DIC in the fat and ourselves to try to come up with a joint rule but at some point in time. I think you just have to decide that you're going to move forward. Because not moving forward forwarded my mind was worse than trying to spend many more years trying to bring resolution amongst the agencies and what happens next in this process. There'll be a sixty day comment period for really all people who are potential participants that are observers Sierra to be able to provide his comments on this Framework of a structure. And then we'll take those comments and we'll look at them and try to understand where we can improve the NPR based upon those comments and then once that used Done we will issue a final rule with an objective to be able to do that sometime in late April or early May Joseph Otting is the thirty first controller the currency Mr Audience. Thank you very much. Thank you for your time. We very much appreciate it. And yes there is debate over saying it controller versus comptroller but the man himself self told me he was open to either and to review is up here at the blackboard. Sierra is community reinvestment act. OCC is office of the controller of the currency FDIC's the federal deposit insurance corporation NPR in this context is notice of proposed rule. And and one more wait for it A._P._M.. American public media..
"redline" Discussed on Marketplace Morning Report with David Brancaccio
"Mystery this morning of where things stand between the US and China on trade. I'm David Brancaccio. Several news organizations positions including the Wall Street Journal reported today that the US and China have agreed in principle on a mini trade deal. That's close to what was said back in mid October I should I would say. And then president trump. This morning tweeted that the Journal story was quote fake news markets at the moment the dow is down about seventeen seventeen points the S&P five hundred down three points. The Nasdaq is up by less than a single point. The benchmark ten year interest rate in America. Down Pretty sharply one point eight six percent on Fridays. We enjoy consulting with the chief economist at F. T. N. financial in New York Christopher Lowe so this tweet from the White Taus which says the Wall Street Journal doesn't know what he's talking about. They should get better leakers etc.. The question is does that mean there is no deal or does that mean that the terms are different than more reported because to be fair to the Wall Street Journal they did say nothing has been published. There is nothing in writing and they think those are the terms but they couldn't verify them I suspect what's happening is food. Probably are very close to deal We we just don't know what's in it okay. And we did have retail sales figures for a crucial all retail sales month November and they were less than half of what the geniuses were expecting going in. Yeah I was one of those is genius is David I look. They were lousy. They really were Because not only were sales weaker than expected but a couple of places we were looking for strength like gasoline sales That was there and the problem is that was a price increase from the prior prior month. Which means in real terms? There's no strength there either. The only thing I can add to that is that retail sales is one of the least east reliable most heavily revised day this series. The government tracks Very often it'll be super weak and then in two months later we find out with upward revisions. It wasn't And I think particularly this year where so much of holiday spending is online and there was a huge shift from brick and mortar to online this year and and that might be part of the confusion among the I census bureau statisticians who collect the data. Is Anything truly knowable Christopher Lowe Chief Economist that FDA financial thank you. Thank you David. News Conference in Beijing about the US. China trade talks is due to.
"redline" Discussed on WBZ NewsRadio 1030
"For the redline derailment in June that is still causing delays the team expects full operation by the end of October if a flight from DC to Dublin back in the year after making an emergency stop overnight at Logan United says a strange odor was caused by a maintenance issue the giants are in town tonight at Fenway Park the person in charge at the state registry of motor vehicles is making a dent in the agency's backlog WBZ's Karen regal with the update after seven bikers were killed in New Hampshire allegedly by a mass driver you should about his license pulled by the arm the the public learned this wasn't an anomaly there were thousands of out of state notifications of never been dealt with acting register Jamie Tessler appearing before the mass dot board said progress is being made on the we work to continue to raise their queue but has been as you've seen we've gone down somewhat substantially last few weeks the best off board has been told the backlog has been cut from twenty two thousand to fifteen thousand seven hundred in Boston Karen regal W. B. C. Boston's newsradio charges have been dropped against an uber driver and of ransom rape case the sun chronicle reports a woman who accused Melvin Guerrero and Kerr nacion refused to testify she went to police saying she had been attacked by her over driver on a secluded street in April DNA excluded the accused prosecutors asked for dismissal in the interest of justice something quite unusual at the Cambridge public library a giant spoon WBZ's Carl Stevens has the story the eight hundred phone sculpture this giant opioid spoon has traveled through a number of states and has been signed by many people along the way according to artist Dominic Esposito and each location we would meet. families that have lost loved ones to the opioid crisis and they would sign their name or a message on this phone so it's a very heartfelt symbol right now and it's really become a memorial a memorial of an epidemic that impacted so many people including the artist Mr Esposito whose own brother is struggling as he battles the addiction from Cambridge Carl Stevens WBZ Boston's news radio the president is out at the union that represents state police troopers and sergeants sergeant mark lanes resigned citing conflict with the union's executive board he was facing a recall vote this week this is the latest leadership change lanes took the job last year to replace Dana Pullman who resigned amid a federal investigation Pullman and a lobbyist were indicted last week on several federal charges including racketeering and conspiracy he's showing off his dance moves former presidential spokesman Sean Spicer makes his debut on dancing with the stars from the White House press podium to the TV dance floor. Lindsey.
"redline" Discussed on WIBC 93.1FM
"Avenue that they were protesting. What one okay first of all before we get to that. What exactly what's a dedicated bus lane? What does that mean? What would be a lane of traffic in the middle of college avenue? Just for the indigo Redline buses. It would not be a mixed use lane a standard passenger vehicle at your car would not be in that way. And so part of the issue other saying is the the safety impact something like that would have. Traffic. The traffic and parking, which we know in that area is not great already a dedicated bus late, but really one lane for the bus is gonna take the equivalent of about Dory. Standard lanes of traffic right now because we got that bus station in the middle of the road and the bus lane on either side of it. So that lanes right over there at that would push car traffic to what is right now the parking lane. That's gonna put traffic about ten feet away from the area where you've got. We've got people sitting outside at dusk. You know, they haven't done numerous is as the way people there has wanted. But I think I think it's clear that they're going to be some kind of impact to traffic batteries. We're speaking with. Julia dang of wish TV she.
"redline" Discussed on Rob Has a Podcast
"Is basically a red line for nicole a firm redline line loan in this no kissing whatsoever arm's length we've room for the holy it would be able to hold hands with a woman in film if you were arm's length from her arms length could i hug a woman if i was in a film room for the holy spirit if martin scores says he offered me a part in a film but i had there was a to kiss somebody i have to turn it down turn it down wow yes okay so there would they break up they break up because of these things kip a nut every single person that is married to an actor or an actress who has had to kiss somebody or worse in a movie is broken up is from your friends in production who have talked about how they got excited from the acting make outs so who who drop jimmy initials teepee he's a lunatic don't take his word for anything talk about how excited he's to get but he's not a professional like i would be nothing noney men and professionals okay so basically this job is the only thing i'm qualified to do no you're qualified to do other things i think that you would be so good with a clipboard it would be a clipboard just telling people what to do it would be very difficult for me to switch careers at this point in my life i think that would be the biggest challenge to not be a podcast or and certainly a concern which is a great segue into what do we do next next patriot like appro is the new online course that i have developed over the last couple of months with angie cons talking about everything that goes into putting together a successful patriot program if you are a content creator we're going to be working on launching that this summer so if you are interested in coming to check out any of the free webinars that we are doing and getting some more information on that you can sign up for the mailing list at patriot like a pro dot com because this is the only thing that i know how to do call yes so there's that going on as well all right nicole let's talk about question number five from chris brag and chris brag wants to know what do you think about the bonus cbs all access coverage of survivor how do you think they improve it i personally find it to be underwhelming scattershot and not easy to get to maybe instead of all these clips they could do a longer cut of the episode provide more coverage of the purple edited people and do other things like a full longer better reunion show where they actually talked to the players okay this is an interesting question from chris good suggestions all good suggestions and so that cbs launched cbs on all access of i don't remember exactly when i think it may be coincided with big brother nineteen at some point and big brother ott was one of the first shows and they've been creating more content we've talked about star trek discovery on post show recaps and some of the other things the good wife spin off that they've done on cbs all access but it was i.
"redline" Discussed on Reveal
"Applications loans made and denials for each race ethnicity so if you want to see how well bank of america's doing or wells fargo or j p morgan chase how well they behave in terms of lending the people of color or not you can go to the map at app dot reveal news dot org slash redlining again that's app dot reveal news dot org slash redlining on our show bank said they didn't discriminate against people of color they said that they base the decisions on credit scores not race so we got a lot of questions about credit scores like this one from liz morgan and interior designer in portland oregon could decide how credit scores work and why aren't we changing the way they work you know is this is a question that really interested us why do we use this old credit scoring model if it turns out that it has such big problems and the answer turns out to be that ninety percent of conventional loans are purchased by these two government created mortgage companies fannie mae and freddie mac and these companies are insisting on using this outdated credit scoring model that there's a broad consensus that it hurts people of color let's down a little bit on the credit score a brandon blog he's a freelance journalist in baltimore had a great question about it with fed on the show that there are ways in which a credit score the way a credit score is designed can have a discriminatory effect on someone and i was wondering how exactly that works so this is an excellent question back when the credit score system was created decades ago it was actually created to solve the whole problem of discrimination because there were lots of loan originators mortgage brokers who would just turn people away because of the color of their skin and there was a movement that said if we create an algorithm that you've put all somebody's financial profile into computer then that computer algorithm won't be racist the problem is that the algorithm that we ended up with has some documented racial impacts there are a lot of things that don't get counted like rent for example or payday loans so people of color are targeted for payday loans and these payday loans only report if you miss a payment they don't report if.
"redline" Discussed on Reveal
"Jerome powell the head of the federal reserve about redlining arm share with your staff a recent article from my hometown newspaper my question is what can the federal reserve dude racial discrimination in mortgage lending in any kind of lending is completely unacceptable and wherever we have thority we will use it to to stop that from happening the biggest immediate splash was in philadelphia lawmakers they are held hearings to this week i have seen they sickening unacceptable but most importantly unamerican injustice that's can yada johnson from the philadelphia city council and we've talked about segregation we are usually talking about the jim crow era separate schools separate churches separate water fountains and we sometimes given to the myth of the civil rights movement is relegated racial segregation to the daca days of american history but here we are on the fiftieth anniversary of the fair housing act and eap segregation is alive and kicking delaware iowa pennsylvania washington state and washington dc have launched investigations pennsylvania was the first here's their state attorney general josh appear old days after our story came out frankly i'm disgusted by it we are chasing this down and we take this seriously i read the articles it is not only wrong in terms of what's happening to that individual who's being denied a mortgage but it holds the city back it holds neighborhoods back it holds people back from achieving what they are capable of achieving but it's not just politicians who upset when the story first aired we asked our listeners to texas questions about redlining here to help answer some of those questions are the reporters who broke the story aaron glance hey there an menu martinez and what's up okay so we got about two thousand questions from listeners they wanted to know about the history of red lining about which banks to blame for today's racial disparities in about how things might change under president trump a lot of people simply wanted to know what can i do elizabeth homes is s courageous from dallas texas well i actually deal in real estate every day and i don't typically see who's not getting mortgages they don't generally get that far to me but sometimes.