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Chuck Berry's 1973 Cadillac Eldorado at the Smithsonian's Black History Museum in Washington, D. C.
The car was nice, but what I really came away with from this museum was that the Jim Crow era in the U.S. never ended and that the repression and financial exploitation of black people in this Country continues practically unabated today. If you don't believe me, google, "red-lining," "contract for deed," "pay day loans," and "medicaid expansion," just to start.
www.stltoday.com/business/local/lending-discrimination-re...
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During business hours, I'll have to speak with one of their highly trained banking specialists to see if they also offer cashing payday checks and selling/purchasing SNAP (Food Stamp) cards. Clearly another fine FDIC regulated bank on Main Street in downtown Nyack, New York. Jan. 15 2023.
Alcatraz Island - Due to its isolation from the outside by the cold, strong, hazardous currents of the waters of San Francisco Bay, Alcatraz was used to house Civil War prisoners as early as 1861. Often referred to as The Rock, the small island early-on served as a lighthouse, a military fortification, a military prison, and a Federal Bureau of Prisons federal prison until 1963. Later, in 1972, Alcatraz became a national recreation area and received landmarking designations in 1976 and 1986. [wiki]
You might have noticed that the cokin filter is slightly tilted. I took few other shots after fixing that but I could not capture the freedom flight of those sea gulls within the confined frame of Alcatraz.
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Hand held photo taken from a moving ship.
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Oxford Street in Swansea. The Money Shop, was a money lender and pawnbroker. )The clothing store Bon Marche is holding a closing down sale. On the left is Bet Fred, a betting shop. Wales. February 2020.
Saving money is not a lost cause whilst we all wait for spring to arrive!!
With winter in full swing and snow storms outside, the hardest thing to think about is hardship or saving money. Gas and electric bills can cost a fortune and if you want to do anything for fun? well, that’s going to c...
5am on Wednesday morning and the Kings Heath Cash Converters went up in smoke. I’m not bothered about Cash Converters and similar pay day loan shops but the building was the former Ritz Ballroom a historical part of Birmingham music, I remember the posters that would be spattered around the area with the headlines. All The Way From The USA: The Temptations or the Four Tops or The Drifters. The Rolling Stones and The Beatles played there but I don’t remember that. The headliners would do two shows in Birmingham, starting at the Ritz and then dash across the city to The Plaza in Handsworth I hoped that was the order because if they were on last in Kings Heath I would have to walk home instead of catching the bus and get to sleep ready for school or my Saturday job.
Later I had my doubts about the those bands that I saw as I heard a club owner say to an agent “How much for the Platters” and the agent replied “MY Platters or THE Platters”
Elliot Brown took the photo below of the plaque that explains some of the history of the building.
Loans indicates cash give for any specific period of time from particular rates of interest to some particular individuals or even individual who works company or even intend to run company. This particular description is extremely big, however there are numerous kinds of financial loans open to...
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Linked from The Consumerist: "New Hampshire Gives Payday Lenders the Boot"; and "Ohio Passes Legislation That Will Punch Payday Lending Industry in the Face"; Life Lessons of a Military Wife; Progress Illinois, Durbin Seeks Payday Loan Cap; Gawker
Washington DC, November 28, 2017. Around a hundred activists, politicians and supporters gathered in front of the Consumer Financial Protection Bureau for a rally with speeches to protest President Trump's appointment of Mick Mulvaney as director of that agency. Mulvaney, who has called the CFPB a "sad, sick joke" is butting aside acting director Leandra English who was appointed by outgoing director Richard Cordray. Later today a Federal Judge recently appointed by Trump decided that Mulvaney's appointment was legal and that English had to step aside. The CFPB, established during the Obama administration, was the brainchild of progressive stalwart Senator Elizabeth Warren of Massachusetts. Over the years the CFPB has returned billions of dollars to consumers who were ripped off by Wall Street banksters, payday loan scammers, "education" swindlers, car title pirates and other low-lifers.
Ashland, Wisconsin - October 19, 2019: Exterior of a Cash Store, giving title loans for quick cash to customers
Home Loan ought to be prepared very carefully. If you would like Mortgage Towards Home after that there are some points you have to think about.
Lodging nowadays is really a substantial issue the ones worldwide find it difficult to obtain high quality houses. Along with inflation heading in ...
19 May 2012. 515-519, High Road, Tottenham at the corner of Bruce Grove.
Before the Tottenham Riot in August 2012 this corner was occupied by Winkworth Estate Agents.
The slogan used by Haringey is "Building Back Better". Which has a nice alliteration and sounds upbeat. Unfortunately, it raises completely unrealistic expectations about how much control or even persuasive power local Councils actually have to influence decisions taken by developers, landlords, business owners, consultants, and Mayors of London.
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Of course, the social problems suggested by the prominent signs are not unique to Tottenham or London. And almost everything the UK Coalition Government does is making it worse.
§ Article by Jill Insley : Payday loans: bishop hits out at 'sinful' interest rates.
§ Article by Deborah Orr. The rise of payday loans replaces one debt bubble with another, nastier one.
§ Video of David Graeber talking about his book Debt: The First Five Thousand Years.
§ Noam Chomsky The people always pay.
§ Photos by Clive Carter of similar developments in the Stroud Green/Finsbury Park area.
§ Aerial view of where I took this photo.
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Meanwhile . . . Let them eat banners
----- Original Message -----
From : Haringey Environment Department
Sent : 18 May 2012 12:07
Subject : Olympic Decoration
We will be having Olympic lamp post banners all the way along the torch route - not on every lamppost, but enough to make an impact. There will also be Olympic lamp post banners all the way down Tottenham High Road (even though the southerly end is not on the route). Installation of the banners is starting on 6 June. I attach a picture of the banners. There will also be a flag at the Civic Centre.
We will also be using London 2012 Community Celebration packs to decorate Council venues (these include bunting and banners). We are doing site visits to confirm the locations, and we are looking at leisure centres, libraries and other public-facing sites like Apex House, 48 Station Road, Bruce Castle Park Pavillion and the Civic Centre.
----- Original Message -----
To : Cllr Alan Strickland
From : Alan Stanton
Sent : Sunday, May 20, 2012 05:33 PM
Cc : Labour councillors
Subject : Olympic decoration - bread & circuses
Hi Alan
Can I ask how much these extra lamppost banners and celebration packs are costing? And especially who's paying?
Bread and circuses. Though for everyone except the rich it seems to be cuts to the bread-and-butter services. While for some people it's food banks. And a few others rummage in waste bins.
----- Original Message -----
From : Cllr Claire Kober (Leader of the Council)
To : Cllr Alan Stanton
Cc : Labour Councillors
Sent : Sunday, May 20, 2012 7:54 PM
Subject : Olympic decoration - bread & circuses
Alan
The Mayor of London gave every borough £50k for Olympic decorations. This was announced some time ago.
Claire
----- Original Message -----
From : Alan Stanton
To : Cllr Claire Kober
Cc : Labour councillors
Sent : Sunday, May 20, 2012 10:49 PM
Subject : Olympic decoration - bread & circuses
Hi Claire,
Thanks for the information. Splendid news!
Let them eat banners. And repay loans in bunting.
Alan
____________________________________________
§ The £50,000 which Boris Johnson, Mayor of London, "gave" every borough to pay for Olympic decorations, meant in effect that Boris returned some of our tax money.
§ "... this has been the year of the soup kitchen. The switch from "soup kitchen", which smacks of Victorian desperation, to the more neutral "food bank" is a semantic coup d'état. An economic crisis initiated by the immorality of the banks ends up with nice "banks" that offer food for free." From: '2012 has been the year of the food bank.' Article by Suzanne Moore in The Guardian 19 December 2012.
§ The Olympics were a celebration worthy of Nero – and as extravagant. Article by Simon Jenkins in The Guardian 27 December 2012.
§ 9 June 2014. Wonga: An Example Of How NOT To Deal With Criticism On Social Media.
§ Wonga Collapses Into Administration. BBC News report 30 August 2018.
§ 'It snowballed … I took out more and more' – a Wonga user speaks, Guardian newspaper 30 August 2018.
(I was glad to see the effective campaign by Stella Creasey MP was mentioned in this 2018 report.)
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Payday Loans for Kids - ‘Pocket Money Loans’ shop to open in London, UK
The first payday loan shop especially for children has opened in London, England. The store, which offers kids advance loans on their pocket money at rates as low as 5000% APR*, hopes to attract young people from across the capital to take advantage of their wide range of credit products.
The company, which uses the bright, cartoon-filled graphics synonymous with payday lenders, wants to allow children of any background to be able to “buy what they can’t afford”. As well as pocket money loans, the shop also offers kids ‘logbook loans’ secured by their toy cars, sub-prime ‘bouncy castle mortgages’ and rent-to-buy deals on gobstoppers.
As you might have guessed, the shop is in fact a work of satire created by London based artist Darren Cullen, who says he wants to draw attention to, among other things, the way the consumer credit industry preys on the vulnerable and targets children with marketing.
Cullen says that the aim of Pocket Money Loans is to “take our consumer debt culture to its logical conclusion.”
“Almost all payday loan companies have cartoon mascots, animated characters or sing-along jingles in their adverts.” Cullen says, “Their high street shops often have play areas full of toys and some of them hand out balloons and sweets to kids at the counter. It’s a clear fact they target children, as both a means of persuading their parents, but also as a way to groom the next generation of indebted customers.”
He claims that the insidious nature of advertising means we are trapped into cycles of living beyond our means, “Advertising is so powerful, that without us realising it makes us define who we are through objects. People end up identifying with the products of industry as if they were a part of their personality.”
But it is advertising directed at children which he finds most disturbing, “Marketers are putting kids in MRI scanners and showing them adverts to see which areas of the brain light up to certain words, colours or shapes. There is a giant industry of vastly intelligent psychologists and advertisers who are using every advance of modern science to make your child feel like they need and love certain products and brands.”
The shop’s website (pocketmoneyloans.com) contains such slogans as “Get out of debt with a loan” and while Cullen blames consumer culture for a lot of debt problems he admits that most people aren’t using payday loan companies to buy new things, and that many are forced to rely on such companies because they are simply in dire economic straits.
He claims the main issue is that financial deregulation has led to the poor being ripped apart by vulture-like lenders who are able to charge eye-watering levels of interest to those least able to afford it. “Payday loan customers who repay on time are in the minority and they offer the smallest profit margin to the company.” Cullen says, “It’s the people who can’t afford to repay on time who rack up charges and compound interest over weeks or months. That’s where the real profits lie, built upon the backs of the poorest, most vulnerable members of society.”
The shop which will open for two weeks, also features art prints deriding cash-for-gold pawn shops, (“Tooth Fairy – Healthy Teeth Bought for £££s”) and an advert for ‘Nivea Pro-Aging Cream’ (“Dramatically Reduces the Appearance of Childhood”) which the artist claims is part and parcel of the insidious nature of youth consumerism, “The momentum of child marketing is towards “age compression”, where products previously the domain of older kids are advertised to younger and younger age groups,” he says. “This strategy not only brutally robs children of their childhood for commercial gain, but it also leads to a decrease in imaginative play, as children feel pressured into acting more grown up. Not to mention the disturbing trend of sexualising young girls in tween fashion.”
Despite all this however, the artist, who initially studied advertising before changing to fine art at Glasgow School of Art, says that, apart from a ban on payday loan companies or advertising directed at children, he’s pessimistic about there being any meaningful change to consumer culture as many of these problems are inherent to the system. “Modern capitalism has to relentlessly grow or die, it constantly needs new markets of consumers and it needs those consumers to increasingly buy more. Obviously that eventually reaches a limit of what people can afford, and when you have a recession compounded by austerity, where people have low wages and very little savings, the economy needs them to go into debt in order to keep consuming. ”
The shop is the first installation to take place in Finsbury Park’s new Atom Gallery (www.atomgallery.co.uk), 77 Stroud Green Road, and runs from the 27th October until the 8th November (Mon-Sat, 10am-6pm), with a closing exhibition private view on the 7th November, from 6pm.
Darren Cullen, 31, (***NOT to be confused with the graffiti artist of the same name***) is originally from Leeds but lives and works in London where he produces art, illustration and comics under the banner of his website spellingmistakescostlives.com. His previous projects include an anti-army recruitment comic ‘Join the Army’ (recently admitted into the V&A Museum’s Permanent Collection), Baby’s First Baby, a pregnant toy doll, and a billboard which claimed “Santa Gives More to Rich Kids than Poor Kids”.
*853% less APR than wonga.com
Contact
Darren Cullen
Darren@spellingmistakescostlives.com
Twitter @darren_cullen
Pocket Money Loans
77 Stroud Green Road
London N4 3EG
pocketmoneyloans.com
spellingmistakescostlives.com
###
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Ashland, Wisconsin - October 19, 2019: Exterior of a Cash Store, giving title loans for quick cash to customers
20 February 2013. Updated photo with a custard yellow new sign.
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"All the money's gone, nowhere to go. Any job I got the sack. Monday morning, turning back."
"One sweet dream, pick up the bags and get in the limousine. Soon we'll be away from here.
Step on the gas and wipe that tear away. One sweet dream came true today."
The Beatles: Medley from Abbey Road.
§ Article by Jill Insley : Payday loans: bishop hits out at 'sinful' interest rates.
§ Article by Deborah Orr. The rise of payday loans replaces one debt bubble with another, nastier one.
§ Video of David Graeber talking about his book Debt: The First Five Thousand Years.
§ Noam Chomsky The people always pay.
§ Photos by Clive Carter of similar developments in the Stroud Green/Finsbury Park area.
§ Aerial view of where I took this photo.
10 February 2014. The Money Shop, 497 High Road Tottenham. Pay day loans and pawnbroker.
"Use the treasures you own to secure a handy cash loan.
Or sell us any damaged or unwanted gold."
Friendly advice from a smiling man in a pinstripe suit, pinstripe tie, and pinstripe hair. Plainly not the sort of bloke who'd tolerate any damaged gold in his mansion.
__________________________________
§ Website of the End Legal Loansharking Campaign.
§ Barbara Gunnell: Staying alive in Britain: can the poor afford it? She asks: "Who benefits from the British bargain-basement low-wage economy?" From 50.50 Inclusive Democracy website.
§ Explore this location on High Road Tottenham with Google Street View.
§ www.workingforwalthamstow.org.uk/category/legal-loan-shar...
§ Aerial view of where I took these photos.
(Links checked 3 March 2014)
Over the past few months, payday loan stores have been closing up shop nearly as fast a Blockbuster video stores, like this one in north Seattle. I don't know what triggered it - have their clientele all lost their jobs or have new regulations come into force that clamped down on their business?
23 October 2012. The Money Shop
497 High Road, Tottenham, London N17. At the time a pay day loan and pawnbroker business. Later closed.
__________________________________
§ Link to Location of this photo using Google Maps.
§ Website of the End Legal Loansharking Campaign.
§ Barbara Gunnell: Staying alive in Britain: can the poor afford it? She asks: "Who benefits from the British bargain-basement low-wage economy?" From 50.50 Inclusive Democracy website.
§ Explore this location on High Road Tottenham in 2012 with Google Street View.
§ Legal loan sharks are circling the poor Stella Creasy MP. The Guardian 3 February 2011.
§ Stella Creasy: 'Payday loan companies are trying to promote a veneer of respectability' – video. Guardian video 16 January 2012.
(Broken link to Stella Creasey's website removed and new links added 15 December 2015.)
§ Links checked / repaired / removed 29 November 2018.
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