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"disqusTitle": "Santa Monica Offers Cash to Help Seniors Struggling With Rent",
"title": "Santa Monica Offers Cash to Help Seniors Struggling With Rent",
"headTitle": "The California Dream | The California Report | KQED News",
"content": "\u003cp>Rumors of seniors straining to pay their rent started making the rounds at Santa Monica City Hall two years ago, so officials surveyed elderly residents.\u003c/p>\n\u003cp>“We had one household where the participant was eating every other day,” said Lisa Varon, senior analyst with the city of Santa Monica.\u003c/p>\n\u003cp>“We had another household where the participant was trading her parking space for protein powder. We had people who were forgoing medical or dental care that they needed and making really difficult choices. They were all managing to hang on by a just a tiny thread and they were doing it with a lot of dignity in the last quarter of their lives,\" she said.\u003c/p>\n\u003cp>Aging in California is becoming less about cruises, the pursuit of hobbies and time with the grandchildren under the sun, and more about survival. One in five seniors in the state lives in poverty, according to the Kaiser Family Foundation. Half of the state’s single seniors don’t have enough money to cover basic expenses. And regions like Los Angeles County are seeing a spike in homelessness among seniors.\u003c/p>\n\u003cp>Santa Monica hopes to stem that trend.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>In November, it launched a 14-month experiment by giving cash to nearly two dozen senior men and women struggling to pay their rent in a city that has rent control.\u003c/p>\n\u003cp>“You would think their rents would be low, but even the 3 to 5 percent increases allowed a year outstrip the increases in the cost of medical care and other costs, combined with the limited increases in Social Security,” said Steven Wallace, associate director of UCLA’s Center for Health Policy Research.\u003c/p>\n\u003cp>Before Kaye -- who only wanted her first name used -- was admitted into Santa Monica’s pilot program, she said she had to pay all her expenses from her $1,000 monthly Social Security check.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If it weren’t for the city of Santa Monica helping me, I would probably by now have been evicted and on the street.'\u003ccite>Kaye\u003c/cite>\u003c/aside>\n\u003cp>“If I didn’t have money to eat after paying my monthly bills, I just didn’t eat,” Kaye said. “There was literally nothing for nothing.”\u003c/p>\n\u003cp>That meant no money for partial dentures.\u003c/p>\n\u003cp>“I had to have 12 teeth pulled out of my head in one day so that I could get dentures because they [Medi-Cal] wouldn’t pay for partials,” she said.\u003c/p>\n\u003cp>It also meant no money for gas for the 70-year-old’s car or any other transportation.\u003c/p>\n\u003cp>\"There were many times I would have to say to someone, 'I don’t even have money to take a bus to get to you,' \" she said.\u003c/p>\n\u003cp>Kaye said Santa Monica’s monthly subsidy has saved her.\u003c/p>\n\u003cp>\"If it weren’t for the city of Santa Monica helping me, I would probably by now have been evicted and on the street,\" she said.\u003c/p>\n\u003cfigure id=\"attachment_11689048\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11689048\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/SeniorHousing-800x600.jpg\" alt=\"Kaye, 70, receives a monthly rental subsidy from the City of Santa Monica as part of a pilot program to help seniors stay in their homes.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1200x900.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Kaye, 70, receives a monthly rental subsidy from Santa Monica as part of a pilot program to help seniors stay in their homes. \u003ccite>(Amita Sharma/KPBS)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Outside of helping seniors remain in their homes, city officials say the goal is to preserve Santa Monica’s diverse population.\u003c/p>\n\u003cp>“This is not just the fancy shining city by the beach,” said Andy Agle, Santa Monica’s director of housing and economic development. “This is a city that is for everyone. It should be accessible to anyone. There are people living in $10 million houses here, but there are people living on Social Security, and all of that is part of Santa Monica.”\u003c/p>\n\u003cp>Officials said Santa Monica may be the first city in the United States to subsidize rent for seniors. Though other cities like Denver and Detroit are offering rental subsidies to low-income families. Stockton also plans to offer a basic monthly income of $500 to some of its neediest residents in the fall as part of an 18-month project.\u003c/p>\n\u003cp>\"We are human beings,\" said 70-year-old Pierre Devillandry. \"We have to help each other.\"\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11689006/the-shrunken-california-dream-just-keeping-a-place-to-live\">The Shrunken California Dream: Just Keeping a Place to Live\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11689006/the-shrunken-california-dream-just-keeping-a-place-to-live\">\u003cimg src=\"https://ww2.kqed.org/wp-content/uploads/sites/10/2016/10/Florida-St-1920x1280.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>The 30-year Santa Monica resident is a painter who laughs easily. But just one year ago, he was wracked with anxiety because he consistently fell short $500 each month on his bills. He was dogged by one thought: “How am I going to live tomorrow?”\u003c/p>\n\u003cp>Then came the letter from the city of Santa Monica informing the painter that he was accepted into the pilot program for a monthly subsidy.\u003c/p>\n\u003cp>“It was something that came down from heaven,” he said.\u003c/p>\n\u003cp>Wallace said single seniors like Devillandry are hurting the most.\u003c/p>\n\u003cp>“About half of them don’t have enough money to pay those basic expenses,” Wallace said. “And so, you don’t see people dying on the street but you do see people in dire circumstances and making do in various ways that I think none of us would consider adequate in a wealthy, civilized society like we’re in.”\u003c/p>\n\u003cp>https://www.youtube.com/watch?v=uKO8gN132EI\u003c/p>\n\u003cp>Wallace consulted on Santa Monica’s elderly subsidy program. He said the true test of its success will be if seniors in the pilot project stay in their homes longer than those who are not receiving help. Another indicator will be if the city saves money.\u003c/p>\n\u003cp>Santa Monica admitted seniors making $14,000 a year or less into the program. The city used UCLA’s Elder Index to calculate how much it costs for seniors to cover their basic expenses and has sought to raise the income of each of the participants to $22,098 annually.\u003c/p>\n\u003cp>Varon said Santa Monica has set aside $300,000 in general fund and sales tax money for the pilot project. She said the alternative could be even more expensive.\u003c/p>\n\u003cp>“When somebody becomes homeless, their expenses become astronomically higher because they’re on the street, and they are sick and possibly we are calling paramedics for them,” Varon said. “They are ending up at the hospital because they are so sick, so how can we afford not to keep them housed?”\u003c/p>\n\u003cp>Santa Monica’s Agle views the city’s subsidies as part of its social contract with seniors.\u003c/p>\n\u003cp>“In most of California, Social Security is barely going to pay your rent,” he said. “Are we as a state, as Californians, going to say, 'Let’s add everybody over 65 as homeless.' Is that really who we want to be as a country, as a state?”\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>Correction: In an earlier version of this story, we misidentified \u003ca href=\"http://healthpolicy.ucla.edu/programs/health-disparities/elder-health/Pages/elder-index-2011.aspx\" rel=\"noopener\" target=\"_blank\">UCLA's Elder Index\u003c/a> as UCLA's Elderly Index. \u003c/em>\u003c/p>\n\n",
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"excerpt": "As senior homelessness spikes in some parts of the state amid a shortage of affordable housing, Santa Monica is trying out rental subsidies to help keep its seniors off the streets.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Rumors of seniors straining to pay their rent started making the rounds at Santa Monica City Hall two years ago, so officials surveyed elderly residents.\u003c/p>\n\u003cp>“We had one household where the participant was eating every other day,” said Lisa Varon, senior analyst with the city of Santa Monica.\u003c/p>\n\u003cp>“We had another household where the participant was trading her parking space for protein powder. We had people who were forgoing medical or dental care that they needed and making really difficult choices. They were all managing to hang on by a just a tiny thread and they were doing it with a lot of dignity in the last quarter of their lives,\" she said.\u003c/p>\n\u003cp>Aging in California is becoming less about cruises, the pursuit of hobbies and time with the grandchildren under the sun, and more about survival. One in five seniors in the state lives in poverty, according to the Kaiser Family Foundation. Half of the state’s single seniors don’t have enough money to cover basic expenses. And regions like Los Angeles County are seeing a spike in homelessness among seniors.\u003c/p>\n\u003cp>Santa Monica hopes to stem that trend.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In November, it launched a 14-month experiment by giving cash to nearly two dozen senior men and women struggling to pay their rent in a city that has rent control.\u003c/p>\n\u003cp>“You would think their rents would be low, but even the 3 to 5 percent increases allowed a year outstrip the increases in the cost of medical care and other costs, combined with the limited increases in Social Security,” said Steven Wallace, associate director of UCLA’s Center for Health Policy Research.\u003c/p>\n\u003cp>Before Kaye -- who only wanted her first name used -- was admitted into Santa Monica’s pilot program, she said she had to pay all her expenses from her $1,000 monthly Social Security check.\u003c/p>\n\u003caside class=\"pullquote alignright\">'If it weren’t for the city of Santa Monica helping me, I would probably by now have been evicted and on the street.'\u003ccite>Kaye\u003c/cite>\u003c/aside>\n\u003cp>“If I didn’t have money to eat after paying my monthly bills, I just didn’t eat,” Kaye said. “There was literally nothing for nothing.”\u003c/p>\n\u003cp>That meant no money for partial dentures.\u003c/p>\n\u003cp>“I had to have 12 teeth pulled out of my head in one day so that I could get dentures because they [Medi-Cal] wouldn’t pay for partials,” she said.\u003c/p>\n\u003cp>It also meant no money for gas for the 70-year-old’s car or any other transportation.\u003c/p>\n\u003cp>\"There were many times I would have to say to someone, 'I don’t even have money to take a bus to get to you,' \" she said.\u003c/p>\n\u003cp>Kaye said Santa Monica’s monthly subsidy has saved her.\u003c/p>\n\u003cp>\"If it weren’t for the city of Santa Monica helping me, I would probably by now have been evicted and on the street,\" she said.\u003c/p>\n\u003cfigure id=\"attachment_11689048\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11689048\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/SeniorHousing-800x600.jpg\" alt=\"Kaye, 70, receives a monthly rental subsidy from the City of Santa Monica as part of a pilot program to help seniors stay in their homes.\" width=\"800\" height=\"600\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-800x600.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-160x120.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1020x765.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1200x900.jpg 1200w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-1180x885.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-960x720.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-240x180.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-375x281.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/08/SeniorHousing-520x390.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Kaye, 70, receives a monthly rental subsidy from Santa Monica as part of a pilot program to help seniors stay in their homes. \u003ccite>(Amita Sharma/KPBS)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Outside of helping seniors remain in their homes, city officials say the goal is to preserve Santa Monica’s diverse population.\u003c/p>\n\u003cp>“This is not just the fancy shining city by the beach,” said Andy Agle, Santa Monica’s director of housing and economic development. “This is a city that is for everyone. It should be accessible to anyone. There are people living in $10 million houses here, but there are people living on Social Security, and all of that is part of Santa Monica.”\u003c/p>\n\u003cp>Officials said Santa Monica may be the first city in the United States to subsidize rent for seniors. Though other cities like Denver and Detroit are offering rental subsidies to low-income families. Stockton also plans to offer a basic monthly income of $500 to some of its neediest residents in the fall as part of an 18-month project.\u003c/p>\n\u003cp>\"We are human beings,\" said 70-year-old Pierre Devillandry. \"We have to help each other.\"\u003c/p>\n\u003caside class=\"alignright\">\n\u003ch3>\u003ca href=\"https://www.kqed.org/news/11689006/the-shrunken-california-dream-just-keeping-a-place-to-live\">The Shrunken California Dream: Just Keeping a Place to Live\u003c/a>\u003c/h3>\n\u003cfigure>\u003ca href=\"https://www.kqed.org/news/11689006/the-shrunken-california-dream-just-keeping-a-place-to-live\">\u003cimg src=\"https://ww2.kqed.org/wp-content/uploads/sites/10/2016/10/Florida-St-1920x1280.jpg\" alt=\"\">\u003c/a>\u003c/figure>\n\u003c/aside>\n\u003cp>The 30-year Santa Monica resident is a painter who laughs easily. But just one year ago, he was wracked with anxiety because he consistently fell short $500 each month on his bills. He was dogged by one thought: “How am I going to live tomorrow?”\u003c/p>\n\u003cp>Then came the letter from the city of Santa Monica informing the painter that he was accepted into the pilot program for a monthly subsidy.\u003c/p>\n\u003cp>“It was something that came down from heaven,” he said.\u003c/p>\n\u003cp>Wallace said single seniors like Devillandry are hurting the most.\u003c/p>\n\u003cp>“About half of them don’t have enough money to pay those basic expenses,” Wallace said. “And so, you don’t see people dying on the street but you do see people in dire circumstances and making do in various ways that I think none of us would consider adequate in a wealthy, civilized society like we’re in.”\u003c/p>\u003c/p>\u003cp>\u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutube'>\n \u003cspan class='utils-parseShortcode-shortcodes-__youtubeShortcode__embedYoutubeInside'>\n \u003ciframe\n loading='lazy'\n class='utils-parseShortcode-shortcodes-__youtubeShortcode__youtubePlayer'\n type='text/html'\n src='//www.youtube.com/embed/uKO8gN132EI'\n title='//www.youtube.com/embed/uKO8gN132EI'\n allowfullscreen='true'\n style='border:0;'>\u003c/iframe>\n \u003c/span>\n \u003c/span>\u003c/p>\u003cp>\u003cp>Wallace consulted on Santa Monica’s elderly subsidy program. He said the true test of its success will be if seniors in the pilot project stay in their homes longer than those who are not receiving help. Another indicator will be if the city saves money.\u003c/p>\n\u003cp>Santa Monica admitted seniors making $14,000 a year or less into the program. The city used UCLA’s Elder Index to calculate how much it costs for seniors to cover their basic expenses and has sought to raise the income of each of the participants to $22,098 annually.\u003c/p>\n\u003cp>Varon said Santa Monica has set aside $300,000 in general fund and sales tax money for the pilot project. She said the alternative could be even more expensive.\u003c/p>\n\u003cp>“When somebody becomes homeless, their expenses become astronomically higher because they’re on the street, and they are sick and possibly we are calling paramedics for them,” Varon said. “They are ending up at the hospital because they are so sick, so how can we afford not to keep them housed?”\u003c/p>\n\u003cp>Santa Monica’s Agle views the city’s subsidies as part of its social contract with seniors.\u003c/p>\n\u003cp>“In most of California, Social Security is barely going to pay your rent,” he said. “Are we as a state, as Californians, going to say, 'Let’s add everybody over 65 as homeless.' Is that really who we want to be as a country, as a state?”\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>Correction: In an earlier version of this story, we misidentified \u003ca href=\"http://healthpolicy.ucla.edu/programs/health-disparities/elder-health/Pages/elder-index-2011.aspx\" rel=\"noopener\" target=\"_blank\">UCLA's Elder Index\u003c/a> as UCLA's Elderly Index. \u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>The United States and Mexico have reached an “understanding” on several critical trade issues following bilateral talks to renegotiate the North American Free Trade Agreement. They will now likely re-engage with Canada to reach a final deal on NAFTA, a primary goal of the Trump administration.\u003c/p>\n\u003cp>Speaking at the White House on Monday, President Trump said he wanted to change the NAFTA name to the U.S. Mexico Free Trade Agreement. He also reframed the negotiations as two bilateral trade deals.\u003c/p>\n\u003cp>“We’ve made a deal with Mexico, and we’ll get started with Canada immediately,” Trump said. He also said he would “be terminating the existing [NAFTA] deal very soon” because NAFTA has “a lot of bad connotations” and has been a “bad deal” for the United States.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://www.npr.org/player/embed/641607366/642356861\" width=\"100%\" height=\"290\" frameborder=\"0\" scrolling=\"no\" title=\"NPR embedded audio player\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>The breakthrough between the U.S. and Mexico involved an agreement on the amount of North American content a vehicle must have in order\u003cstrong> \u003c/strong>to pass duty-free across borders. The percentage was moved up to 75 percent from its current level of 62.5 percent. Negotiators also agreed to increase the percentage of vehicles built in factories paying an average wage of at least $16 an hour.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>U.S. automakers have opposed raising the North American content requirement, but the United Auto Workers union has supported it.\u003c/p>\n\u003cp>The third NAFTA partner, Canada, has not been at the negotiating table for many weeks. It will now presumably re-engage.\u003c/p>\n\u003cp>Prior to Trump’s remarks, Canadian Foreign Minister Chrystia Freeland said through a spokesman that “Canada is encouraged by the continued optimism shown by our negotiating partners. Progress between Mexico and the United States is a necessary requirement for any renewed NAFTA agreement.”\u003c/p>\n\u003cp>But Freeland also said, “We will only sign a new NAFTA that is good for Canada and good for the middle class. Canada’s signature is required.”\u003c/p>\n\u003cp>The three nations had hoped to wind up negotiations by the end of this week.\u003c/p>\n\u003cp>U.S. law requires a three-month waiting period after a deal is completed before Congress can ratify it. Mexico will swear in its incoming president, Andrés Manuel López Obrador, on Dec. 1. If a NAFTA deal isn’t signed before then, López Obrador could demand changes — and a deal that took years to negotiate could unravel. But Trump and U.S. Trade Representative Robert Lighthizer said Monday that they plan to send a Mexico-U.S. deal to Congress by Friday to start the clock on the waiting period.\u003c/p>\n\u003cp>And there are still a number of thorny issues that must be resolved before a final agreement is reached between the three nations.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>One is the Trump administration’s demand for the removal of arbitration panels that currently settle disputes under NAFTA. The Trump administration is also seeking a sunset clause that would end the pact after five years, unless the three countries explicitly agree to continue it. Both Canada and Mexico, as well as many in the U.S. business community, reject that idea. \u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=U.S.+And+Mexico+Reach+Trade+Deal%3B+Trump+Wants+To+Drop+NAFTA+Name&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The United States and Mexico have reached an “understanding” on several critical trade issues following bilateral talks to renegotiate the North American Free Trade Agreement. They will now likely re-engage with Canada to reach a final deal on NAFTA, a primary goal of the Trump administration.\u003c/p>\n\u003cp>Speaking at the White House on Monday, President Trump said he wanted to change the NAFTA name to the U.S. Mexico Free Trade Agreement. He also reframed the negotiations as two bilateral trade deals.\u003c/p>\n\u003cp>“We’ve made a deal with Mexico, and we’ll get started with Canada immediately,” Trump said. He also said he would “be terminating the existing [NAFTA] deal very soon” because NAFTA has “a lot of bad connotations” and has been a “bad deal” for the United States.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://www.npr.org/player/embed/641607366/642356861\" width=\"100%\" height=\"290\" frameborder=\"0\" scrolling=\"no\" title=\"NPR embedded audio player\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>The breakthrough between the U.S. and Mexico involved an agreement on the amount of North American content a vehicle must have in order\u003cstrong> \u003c/strong>to pass duty-free across borders. The percentage was moved up to 75 percent from its current level of 62.5 percent. Negotiators also agreed to increase the percentage of vehicles built in factories paying an average wage of at least $16 an hour.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>U.S. automakers have opposed raising the North American content requirement, but the United Auto Workers union has supported it.\u003c/p>\n\u003cp>The third NAFTA partner, Canada, has not been at the negotiating table for many weeks. It will now presumably re-engage.\u003c/p>\n\u003cp>Prior to Trump’s remarks, Canadian Foreign Minister Chrystia Freeland said through a spokesman that “Canada is encouraged by the continued optimism shown by our negotiating partners. Progress between Mexico and the United States is a necessary requirement for any renewed NAFTA agreement.”\u003c/p>\n\u003cp>But Freeland also said, “We will only sign a new NAFTA that is good for Canada and good for the middle class. Canada’s signature is required.”\u003c/p>\n\u003cp>The three nations had hoped to wind up negotiations by the end of this week.\u003c/p>\n\u003cp>U.S. law requires a three-month waiting period after a deal is completed before Congress can ratify it. Mexico will swear in its incoming president, Andrés Manuel López Obrador, on Dec. 1. If a NAFTA deal isn’t signed before then, López Obrador could demand changes — and a deal that took years to negotiate could unravel. But Trump and U.S. Trade Representative Robert Lighthizer said Monday that they plan to send a Mexico-U.S. deal to Congress by Friday to start the clock on the waiting period.\u003c/p>\n\u003cp>And there are still a number of thorny issues that must be resolved before a final agreement is reached between the three nations.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>One is the Trump administration’s demand for the removal of arbitration panels that currently settle disputes under NAFTA. The Trump administration is also seeking a sunset clause that would end the pact after five years, unless the three countries explicitly agree to continue it. Both Canada and Mexico, as well as many in the U.S. business community, reject that idea. \u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=U.S.+And+Mexico+Reach+Trade+Deal%3B+Trump+Wants+To+Drop+NAFTA+Name&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "The Shrunken California Dream: Just Keeping a Place to Live",
"title": "The Shrunken California Dream: Just Keeping a Place to Live",
"headTitle": "The California Dream | The California Report | KQED News",
"content": "\u003cp>On any given night in California there are about 134,000 people without a home, according to annual data from the U.S. Department of Housing and Urban Development. That’s nearly the equivalent of the population of Pasadena or Roseville, sleeping on the street, on a bench or in a shelter.\u003c/p>\n\u003cp>California’s homeless population jumped 13.7 percent between 2016 and 2017.\u003c/p>\n\u003cp>And those 134,000 Californians without a place to call home are the visible edge of a much larger, much deeper housing problem in the state. “We now know that there is a very close connection between housing costs and homelessness,” said Margot Kushel, director of the UCSF Center for Vulnerable Populations.\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/articles/digging-data-attainable-california-dream-today/\" target=\"_blank\" rel=\"noopener\">The sky-high costs of renting or buying a home\u003c/a> mean many residents are just getting by. People are being forced to choose between paying their rent and buying food. They are \u003ca href=\"https://www.kpbs.org/news/2018/jun/19/dimming-dream-retirement-california/\" target=\"_blank\" rel=\"noopener\">selling their belongings\u003c/a>, \u003ca href=\"https://calmatters.org/articles/refugees-housing-costs-california/\" target=\"_blank\" rel=\"noopener\">working seven days a week\u003c/a>, doing whatever it takes to keep their home.\u003c/p>\n\u003cp>Beginning Friday, Aug. 24, the California Dream media collaboration rolled out an exploration of why people fall into homelessness — and the innovative ways municipalities around the state are trying to help people keep their own place.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>This much is clear: For many, the California Dream has been shrunk down to keeping a place to live.\u003c/p>\n\u003cp>According to analysis by the National Low Income Housing Coalition, California has only \u003ca href=\"http://nlihc.org/sites/default/files/SHP_CA.pdf\" target=\"_blank\" rel=\"noopener\">22 affordable and available rental homes\u003c/a> for every 100 extremely low-income households. Affordability in this case means total housing costs are at or below 30 percent of \u003ca href=\"https://www.hudexchange.info/faqs/843/how-is-area-median-income-calculated/\" target=\"_blank\" rel=\"noopener\">area median income\u003c/a>.\u003c/p>\n\u003cp>Put another way, the state is short more than a million rental units that are affordable and available to extremely low-income Californians. “That probably describes more than any other reason why we have a homelessness crisis in California,” Kushel said.\u003c/p>\n\u003cp>About 29 percent of California renters spend more than half their income on rent, according to a study from the Joint Center for Housing Studies of Harvard University. Paying more than about a third of income on housing can make it hard to afford basics like food, clothing, transportation and health care, according to the U.S. Department of Housing and Urban Development.\u003c/p>\n\u003cp>In Sacramento, households making half of the median income or less spend 62 percent of their income on rent according to the \u003ca href=\"https://calmatters.org/articles/shruken-california-dream-homelessness-housing-crisis/\" target=\"_blank\" rel=\"noopener\">California Housing Partnership Corp.\u003c/a>, an agency created by the state Legislature to help preserve affordable housing.\u003c/p>\n\u003cp>In \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2018/05/San-Diego-2018-HNR.pdf\" target=\"_blank\" rel=\"noopener\">San Diego\u003c/a>, that rises to 69 percent. In \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2018/05/Orange-2018-HNR.pdf\" target=\"_blank\" rel=\"noopener\">Orange County\u003c/a>, people making half of the median income or less spend 78 percent on housing.\u003c/p>\n\u003cp>For very low-income Californians, budgeting gets bleaker. In Los Angeles County, there are 600,000 Los Angeles County residents that spend 90 percent or more of their income on housing, according to \u003ca href=\"https://economicrt.org/publication/escape-routes/\" target=\"_blank\" rel=\"noopener\">an analysis by the nonprofit Economic Roundtable\u003c/a>. The group found similar rates of extreme rent burdens in Santa Clara County.\u003c/p>\n\u003cp>“These are areas where housing is expensive and incomes are polarized, and people at the bottom of the income distribution are having a really tough time keeping a roof over their heads,” said Daniel Flaming, president of the Economic Roundtable, a research group based in Los Angeles.\u003c/p>\n\u003cp>“They probably are on food stamps, they probably get Medicaid, they may get food from food banks as well,” Flaming said. “But it’s extremely difficult. Virtually all of the liquid resources of the family are going to pay for rent. And if a shoe drops, if someone gets sick or someone loses a job or if someone leaves the household that’s contributing to paying rent, then that family can easily find itself on the street.”\u003c/p>\n\u003cp>According to UCSF’s Kushel, many cities have had some successes getting people who are homeless into housing, but “what we’ve done much less of a good job is preventing new people from falling into homelessness.”\u003c/p>\n\u003cp>“The first and most important thing,” said Kushel, “is to act and act quickly and aggressively to create more housing that’s affordable.”\u003c/p>\n\u003cp>Building in California can be \u003ca href=\"https://www.scpr.org/news/2018/07/11/84603/is-california-s-ceqa-environmental-law-protecting/\" target=\"_blank\" rel=\"noopener\">a lengthy and expensive process\u003c/a>. According to the Terner Center for Housing Innovation at UC Berkeley, the cost of building \u003ca href=\"https://ternercenter.berkeley.edu/construction-costs-series\" target=\"_blank\" rel=\"noopener\">a 100-unit affordable housing project\u003c/a> in the state was almost $425,000 per unit in 2016. That’s up from $265,000 per unit in 2000.\u003c/p>\n\u003cp>At the same time the cost of building has jumped, redevelopment and state funding for affordable housing development shrunk. According to the \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2016/04/State-Housing-Need-2016.pdf\" target=\"_blank\" rel=\"noopener\">California Housing Partnership Corp.\u003c/a>, redevelopment and state funding declined by about $1.6 billion between 2008 and 2016.\u003c/p>\n\u003cp>So some California cities are trying innovative ways to prevent and curb homelessness. In June, San Francisco voters approved \u003ca href=\"https://ballotpedia.org/San_Francisco,_California,_Proposition_F,_City-Funded_Legal_Representation_for_Tenants_Facing_Eviction_(June_2018)\" target=\"_blank\" rel=\"noopener\">a proposition\u003c/a> to provide legal assistance to tenants facing eviction. There’s a pilot program underway in Los Angeles — also focused on keeping residents from eviction. Santa Monica is in the middle of a pilot program that provides rent assistance to low-income seniors. Oakland is considering \u003ca href=\"https://www.eastbaytimes.com/2018/03/06/oakland-council-to-consider-vacant-property-tax-ballot-measure/\" target=\"_blank\" rel=\"noopener\">taxing vacant properties\u003c/a> in an effort to help increase housing supply.\u003c/p>\n\u003cp>Much of the focus in the last decade has been on getting homeless people housed, according to Steve Berg from the National Alliance to End Homelessness. Today, “there’s a lot more interest in prevention,” Berg said. “More people are wanting to know what they can try out and what they can do.”\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>On any given night in California there are about 134,000 people without a home, according to annual data from the U.S. Department of Housing and Urban Development. That’s nearly the equivalent of the population of Pasadena or Roseville, sleeping on the street, on a bench or in a shelter.\u003c/p>\n\u003cp>California’s homeless population jumped 13.7 percent between 2016 and 2017.\u003c/p>\n\u003cp>And those 134,000 Californians without a place to call home are the visible edge of a much larger, much deeper housing problem in the state. “We now know that there is a very close connection between housing costs and homelessness,” said Margot Kushel, director of the UCSF Center for Vulnerable Populations.\u003c/p>\n\u003cp>\u003ca href=\"https://calmatters.org/articles/digging-data-attainable-california-dream-today/\" target=\"_blank\" rel=\"noopener\">The sky-high costs of renting or buying a home\u003c/a> mean many residents are just getting by. People are being forced to choose between paying their rent and buying food. They are \u003ca href=\"https://www.kpbs.org/news/2018/jun/19/dimming-dream-retirement-california/\" target=\"_blank\" rel=\"noopener\">selling their belongings\u003c/a>, \u003ca href=\"https://calmatters.org/articles/refugees-housing-costs-california/\" target=\"_blank\" rel=\"noopener\">working seven days a week\u003c/a>, doing whatever it takes to keep their home.\u003c/p>\n\u003cp>Beginning Friday, Aug. 24, the California Dream media collaboration rolled out an exploration of why people fall into homelessness — and the innovative ways municipalities around the state are trying to help people keep their own place.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>This much is clear: For many, the California Dream has been shrunk down to keeping a place to live.\u003c/p>\n\u003cp>According to analysis by the National Low Income Housing Coalition, California has only \u003ca href=\"http://nlihc.org/sites/default/files/SHP_CA.pdf\" target=\"_blank\" rel=\"noopener\">22 affordable and available rental homes\u003c/a> for every 100 extremely low-income households. Affordability in this case means total housing costs are at or below 30 percent of \u003ca href=\"https://www.hudexchange.info/faqs/843/how-is-area-median-income-calculated/\" target=\"_blank\" rel=\"noopener\">area median income\u003c/a>.\u003c/p>\n\u003cp>Put another way, the state is short more than a million rental units that are affordable and available to extremely low-income Californians. “That probably describes more than any other reason why we have a homelessness crisis in California,” Kushel said.\u003c/p>\n\u003cp>About 29 percent of California renters spend more than half their income on rent, according to a study from the Joint Center for Housing Studies of Harvard University. Paying more than about a third of income on housing can make it hard to afford basics like food, clothing, transportation and health care, according to the U.S. Department of Housing and Urban Development.\u003c/p>\n\u003cp>In Sacramento, households making half of the median income or less spend 62 percent of their income on rent according to the \u003ca href=\"https://calmatters.org/articles/shruken-california-dream-homelessness-housing-crisis/\" target=\"_blank\" rel=\"noopener\">California Housing Partnership Corp.\u003c/a>, an agency created by the state Legislature to help preserve affordable housing.\u003c/p>\n\u003cp>In \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2018/05/San-Diego-2018-HNR.pdf\" target=\"_blank\" rel=\"noopener\">San Diego\u003c/a>, that rises to 69 percent. In \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2018/05/Orange-2018-HNR.pdf\" target=\"_blank\" rel=\"noopener\">Orange County\u003c/a>, people making half of the median income or less spend 78 percent on housing.\u003c/p>\n\u003cp>For very low-income Californians, budgeting gets bleaker. In Los Angeles County, there are 600,000 Los Angeles County residents that spend 90 percent or more of their income on housing, according to \u003ca href=\"https://economicrt.org/publication/escape-routes/\" target=\"_blank\" rel=\"noopener\">an analysis by the nonprofit Economic Roundtable\u003c/a>. The group found similar rates of extreme rent burdens in Santa Clara County.\u003c/p>\n\u003cp>“These are areas where housing is expensive and incomes are polarized, and people at the bottom of the income distribution are having a really tough time keeping a roof over their heads,” said Daniel Flaming, president of the Economic Roundtable, a research group based in Los Angeles.\u003c/p>\n\u003cp>“They probably are on food stamps, they probably get Medicaid, they may get food from food banks as well,” Flaming said. “But it’s extremely difficult. Virtually all of the liquid resources of the family are going to pay for rent. And if a shoe drops, if someone gets sick or someone loses a job or if someone leaves the household that’s contributing to paying rent, then that family can easily find itself on the street.”\u003c/p>\n\u003cp>According to UCSF’s Kushel, many cities have had some successes getting people who are homeless into housing, but “what we’ve done much less of a good job is preventing new people from falling into homelessness.”\u003c/p>\n\u003cp>“The first and most important thing,” said Kushel, “is to act and act quickly and aggressively to create more housing that’s affordable.”\u003c/p>\n\u003cp>Building in California can be \u003ca href=\"https://www.scpr.org/news/2018/07/11/84603/is-california-s-ceqa-environmental-law-protecting/\" target=\"_blank\" rel=\"noopener\">a lengthy and expensive process\u003c/a>. According to the Terner Center for Housing Innovation at UC Berkeley, the cost of building \u003ca href=\"https://ternercenter.berkeley.edu/construction-costs-series\" target=\"_blank\" rel=\"noopener\">a 100-unit affordable housing project\u003c/a> in the state was almost $425,000 per unit in 2016. That’s up from $265,000 per unit in 2000.\u003c/p>\n\u003cp>At the same time the cost of building has jumped, redevelopment and state funding for affordable housing development shrunk. According to the \u003ca href=\"https://1p08d91kd0c03rlxhmhtydpr-wpengine.netdna-ssl.com/wp-content/uploads/2016/04/State-Housing-Need-2016.pdf\" target=\"_blank\" rel=\"noopener\">California Housing Partnership Corp.\u003c/a>, redevelopment and state funding declined by about $1.6 billion between 2008 and 2016.\u003c/p>\n\u003cp>So some California cities are trying innovative ways to prevent and curb homelessness. In June, San Francisco voters approved \u003ca href=\"https://ballotpedia.org/San_Francisco,_California,_Proposition_F,_City-Funded_Legal_Representation_for_Tenants_Facing_Eviction_(June_2018)\" target=\"_blank\" rel=\"noopener\">a proposition\u003c/a> to provide legal assistance to tenants facing eviction. There’s a pilot program underway in Los Angeles — also focused on keeping residents from eviction. Santa Monica is in the middle of a pilot program that provides rent assistance to low-income seniors. Oakland is considering \u003ca href=\"https://www.eastbaytimes.com/2018/03/06/oakland-council-to-consider-vacant-property-tax-ballot-measure/\" target=\"_blank\" rel=\"noopener\">taxing vacant properties\u003c/a> in an effort to help increase housing supply.\u003c/p>\n\u003cp>Much of the focus in the last decade has been on getting homeless people housed, according to Steve Berg from the National Alliance to End Homelessness. Today, “there’s a lot more interest in prevention,” Berg said. “More people are wanting to know what they can try out and what they can do.”\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://www.kqed.org/news/series/californiadream/\" target=\"_blank\" rel=\"noopener\">The California Dream series\u003c/a> is a statewide media collaboration of CALmatters, KPBS, KPCC, KQED and Capital Public Radio with support from the Corporation for Public Broadcasting, the James Irvine Foundation and the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cimg class=\"aligncenter size-full wp-image-11660142\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/04/CADreamBanner.jpg\" alt=\"\" width=\"1867\" height=\"512\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner.jpg 1867w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-160x44.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-800x219.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1020x280.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-1180x324.jpg 1180w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-960x263.jpg 960w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-240x66.jpg 240w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-375x103.jpg 375w, https://ww2.kqed.org/app/uploads/sites/10/2018/04/CADreamBanner-520x143.jpg 520w\" sizes=\"(max-width: 1867px) 100vw, 1867px\">\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "As Gig Companies Beg for Relief From Pro-labor Supreme Court Ruling, the Lobbying Is Fast and Furious",
"title": "As Gig Companies Beg for Relief From Pro-labor Supreme Court Ruling, the Lobbying Is Fast and Furious",
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"content": "\u003cp>For four years, Edhuar Arellano has left his house at 7 a.m. on weekdays to drive customers around the Bay Area for Lyft and Uber. Most days, he doesn’t get home to Santa Clara until 11 p.m. On weekends, he delivers pizzas to make ends meet.\u003c/p>\n\u003cp>Like a lot of drivers plugging in to ride-hailing apps for work, he likes the flexibility the gig economy has offered. But given the choice, Arellano says he wishes he could just become an employee. That would get him paid vacation, benefits, overtime, his own health insurance and perhaps more say over his working conditions.\u003c/p>\n\u003cp>“We need to accept whatever they want,” said the 55-year-old father of two grown children. “I can’t control anything.”\u003c/p>\n\u003cp>That quandary is behind a ferocious battle quietly playing out in the Capitol in the final days of the legislative session, which ends Aug. 31. Lobbyists for ride-hailing companies and the California Chamber of Commerce are scrambling to delay until next year (and the next governor’s administration) a far-reaching California Supreme Court decision that could grant Arellano’s wish — and, \u003ca href=\"https://www.sacbee.com/opinion/op-ed/soapbox/article216475550.html\" rel=\"noopener\" target=\"_blank\">businesses fear\u003c/a>, undermine the entire gig economy.\u003c/p>\n\u003cp>The \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s222732.html\" rel=\"noopener\" target=\"_blank\">April ruling\u003c/a>, involving the nationwide delivery company Dynamex Operations West Inc. and its contract drivers, established a new test for enforcement of California wage laws, and made it much harder for companies in California to claim that independent contractors are not actually employees.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Though the ruling only applies to California, the state’s labor force is so huge that it has already had national impact. Shortly after the decision, U.S. Sen. Bernie Sanders of Vermont introduced \u003ca href=\"https://www.sanders.senate.gov/download/workplace-democracy-act-2018?inline=file\" rel=\"noopener\" target=\"_blank\">a bill\u003c/a> to make a version of California’s new rule the federal standard, a move that only added urgency to employers’ calls for state lawmakers to hit the pause button on implementing the ruling.\u003c/p>\n\u003cp>“Businesses are very concerned. The key is who’s going to be sued here in the near future,” said Allan Zaremberg, president of the California Chamber, which represents 50,000 businesses.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/d3482afb-4cce-4719-9ee0-195a3f5eed9c?src=embed\" title=\"Who are the gig workers?\" height=\"800\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>They should be, says labor leader Caitlin Vega, who has been similarly lobbying Capitol Democrats to refrain from meddling and let the Supreme Court decision move forward.\u003c/p>\n\u003cp>“Companies have made so much money already at the expense of workers,” Vega, the legislative director of the California Labor Federation, said Tuesday during a harried break between Capitol meetings. “We really see the Dynamex decision as core to rebuilding the middle class.”\u003c/p>\n\u003cp>State and federal labor laws give employees a wide range of worker protections, from overtime pay and minimum wages to the right to unionize. But those rights don’t extend to independent contractors, whose ranks have grown dramatically in the gig economy.\u003c/p>\n\u003cp>Apps such as Uber, TaskRabbit and DoorDash, which match customers and services online and in real time, have given workers an unprecedented ability to freelance but they also have blurred traditional employer-employee relationships and, labor advocates say, invited exploitation.\u003c/p>\n\u003cp>Some 2 million people, from Lyft drivers to construction workers, consider themselves independent contractors in California. In 2017, according to \u003ca href=\"https://www.bls.gov/opub/ted/2018/independent-contractors-made-up-6-point-9-percent-of-employment-in-may-2017.htm#tab-2\" rel=\"noopener\" target=\"_blank\">the Bureau of Labor Statistics\u003c/a>, about one-in-14 workers was an independent contractor nationally.\u003c/p>\n\u003cp>If state lawmakers don’t rewrite the law or stall its implementation for a few months, as businesses want — which the Legislature can legally do, though the clock is ticking — the Dynamex decision will subject businesses in California to a standard that is tougher than the federal government’s or most states’.\u003c/p>\n\u003cp>Known as the “ABC test,” the standard requires companies to prove that people working for them as independent contractors are:\u003c/p>\n\u003cul>\n\u003cli>A) Free from the company’s control when they’re on the job;\u003c/li>\n\u003cli>B) Doing work that falls outside the company’s normal business;\u003c/li>\n\u003cli>C) And operating an independent business or trade beyond the job for which they were hired.\u003c/li>\n\u003c/ul>\n\u003cp>That’s a high bar for the many companies whose bottom lines have depended on large numbers of contractors to deliver a particular service. According to the business lobby, in the months since the Dynamex decision, law firms have received 1,200 demands for arbitration and 17 class action lawsuits.\u003c/p>\n\u003cp>Last month, business leaders \u003ca href=\"https://www.theepochtimes.com/gig-firms-ask-california-to-rescue-them-from-court-ruling_2616920.html\" rel=\"noopener\" target=\"_blank\">sent a letter\u003c/a> to members of Gov. Jerry Brown’s administration, warning that the new test would “decimate businesses,” and urging the governor and Legislature to suspend and then limit the court’s ruling to only workers involved in the Dynamex case. The letter also asked that the decision not apply to other contractors for the next two years.\u003c/p>\n\u003cp>Not all those contractors are in tech, Chamber head Zaremberg points out. Emergency room doctors and accountants, for example, could also be impacted. Emergency hospitals and trauma centers contract their doctors through medical groups, and doctors generally work at a combination of hospitals and community clinics.\u003c/p>\n\u003cp>Dr. Aimee Mullen, president of the California chapter of American College of Emergency Physicians, confirms that ER doctors are among those uncertain about their contractor status.\u003c/p>\n\u003cp>“A lot of our members use that model. It’s choice. They like flexibility. They like working at multiple hospitals,” Mullen said.\u003c/p>\n\u003cp>The California Labor Federation’s Vega contends that, disruptive though it may be, the Dynamex ruling is the right one, particularly on worker exploitation. The core group affected tends to be low-income and immigrant workers, she said.\u003c/p>\n\u003cp>“The Dynamex decision was a victory for working people — truck drivers who are cheated out of wages, warehouse workers forced to risk their health and gig economy workers who want to be treated with dignity and respect,” \u003ca href=\"https://www.sacbee.com/opinion/op-ed/soapbox/article216805820.html\" rel=\"noopener\" target=\"_blank\">Vega wrote\u003c/a> in a Sacramento Bee op-ed.\u003c/p>\n\u003cp>Some workers see room for hybrid solutions. Edward Escobar, a San Francisco ride-hail driver of four years and founder of the Alliance for Independent Workers, a group formed by drivers three years ago, says he has seen a big decrease in how much these companies compensate drivers without a commensurate increase in control over working conditions.\u003c/p>\n\u003cp>Escobar believes gig companies are trying to have it both ways, and should give their workers either true independence or full employment. His proposal: Let workers choose their own classification, with wage and benefit protection for those who choose to be employees, and more control for contractors over which rides to take and what prices to set.\u003c/p>\n\u003cp>“These tech titans have been taking advantage of these gray areas,” Escobar said.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon (D-Paramount) said earlier this month that while the Legislature is eager to delve into workforce issues, leaders do not have adequate time to act on it before the session ends next week.\u003c/p>\n\u003cp>“The Dynamex decision strikes at the core of what the future of work looks like in our society,” Rendon said in a statement. “From the decline of union membership to court rulings like the Janus decision, we’ve seen the continual erosion of workers’ rights. If the Legislature is to take action, we must do so thoughtfully with that in mind. That will not happen in the last three weeks of the legislative session.”\u003c/p>\n\u003cp>Nor are the stakes likely to be lowered for workers like Arellano.\u003c/p>\n\u003cp>“If I don’t work, I have no money,” said the Lyft and Uber driver. “Everything is so expensive in Santa Clara and the Bay Area.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"https://calmatters.org/\" rel=\"noopener\" target=\"_blank\">CALmatters.org\u003c/a> is a nonprofit, nonpartisan media venture explaining California’s policies and politics.\u003c/em>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>For four years, Edhuar Arellano has left his house at 7 a.m. on weekdays to drive customers around the Bay Area for Lyft and Uber. Most days, he doesn’t get home to Santa Clara until 11 p.m. On weekends, he delivers pizzas to make ends meet.\u003c/p>\n\u003cp>Like a lot of drivers plugging in to ride-hailing apps for work, he likes the flexibility the gig economy has offered. But given the choice, Arellano says he wishes he could just become an employee. That would get him paid vacation, benefits, overtime, his own health insurance and perhaps more say over his working conditions.\u003c/p>\n\u003cp>“We need to accept whatever they want,” said the 55-year-old father of two grown children. “I can’t control anything.”\u003c/p>\n\u003cp>That quandary is behind a ferocious battle quietly playing out in the Capitol in the final days of the legislative session, which ends Aug. 31. Lobbyists for ride-hailing companies and the California Chamber of Commerce are scrambling to delay until next year (and the next governor’s administration) a far-reaching California Supreme Court decision that could grant Arellano’s wish — and, \u003ca href=\"https://www.sacbee.com/opinion/op-ed/soapbox/article216475550.html\" rel=\"noopener\" target=\"_blank\">businesses fear\u003c/a>, undermine the entire gig economy.\u003c/p>\n\u003cp>The \u003ca href=\"https://law.justia.com/cases/california/supreme-court/2018/s222732.html\" rel=\"noopener\" target=\"_blank\">April ruling\u003c/a>, involving the nationwide delivery company Dynamex Operations West Inc. and its contract drivers, established a new test for enforcement of California wage laws, and made it much harder for companies in California to claim that independent contractors are not actually employees.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Though the ruling only applies to California, the state’s labor force is so huge that it has already had national impact. Shortly after the decision, U.S. Sen. Bernie Sanders of Vermont introduced \u003ca href=\"https://www.sanders.senate.gov/download/workplace-democracy-act-2018?inline=file\" rel=\"noopener\" target=\"_blank\">a bill\u003c/a> to make a version of California’s new rule the federal standard, a move that only added urgency to employers’ calls for state lawmakers to hit the pause button on implementing the ruling.\u003c/p>\n\u003cp>“Businesses are very concerned. The key is who’s going to be sued here in the near future,” said Allan Zaremberg, president of the California Chamber, which represents 50,000 businesses.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/d3482afb-4cce-4719-9ee0-195a3f5eed9c?src=embed\" title=\"Who are the gig workers?\" height=\"800\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003cp>They should be, says labor leader Caitlin Vega, who has been similarly lobbying Capitol Democrats to refrain from meddling and let the Supreme Court decision move forward.\u003c/p>\n\u003cp>“Companies have made so much money already at the expense of workers,” Vega, the legislative director of the California Labor Federation, said Tuesday during a harried break between Capitol meetings. “We really see the Dynamex decision as core to rebuilding the middle class.”\u003c/p>\n\u003cp>State and federal labor laws give employees a wide range of worker protections, from overtime pay and minimum wages to the right to unionize. But those rights don’t extend to independent contractors, whose ranks have grown dramatically in the gig economy.\u003c/p>\n\u003cp>Apps such as Uber, TaskRabbit and DoorDash, which match customers and services online and in real time, have given workers an unprecedented ability to freelance but they also have blurred traditional employer-employee relationships and, labor advocates say, invited exploitation.\u003c/p>\n\u003cp>Some 2 million people, from Lyft drivers to construction workers, consider themselves independent contractors in California. In 2017, according to \u003ca href=\"https://www.bls.gov/opub/ted/2018/independent-contractors-made-up-6-point-9-percent-of-employment-in-may-2017.htm#tab-2\" rel=\"noopener\" target=\"_blank\">the Bureau of Labor Statistics\u003c/a>, about one-in-14 workers was an independent contractor nationally.\u003c/p>\n\u003cp>If state lawmakers don’t rewrite the law or stall its implementation for a few months, as businesses want — which the Legislature can legally do, though the clock is ticking — the Dynamex decision will subject businesses in California to a standard that is tougher than the federal government’s or most states’.\u003c/p>\n\u003cp>Known as the “ABC test,” the standard requires companies to prove that people working for them as independent contractors are:\u003c/p>\n\u003cul>\n\u003cli>A) Free from the company’s control when they’re on the job;\u003c/li>\n\u003cli>B) Doing work that falls outside the company’s normal business;\u003c/li>\n\u003cli>C) And operating an independent business or trade beyond the job for which they were hired.\u003c/li>\n\u003c/ul>\n\u003cp>That’s a high bar for the many companies whose bottom lines have depended on large numbers of contractors to deliver a particular service. According to the business lobby, in the months since the Dynamex decision, law firms have received 1,200 demands for arbitration and 17 class action lawsuits.\u003c/p>\n\u003cp>Last month, business leaders \u003ca href=\"https://www.theepochtimes.com/gig-firms-ask-california-to-rescue-them-from-court-ruling_2616920.html\" rel=\"noopener\" target=\"_blank\">sent a letter\u003c/a> to members of Gov. Jerry Brown’s administration, warning that the new test would “decimate businesses,” and urging the governor and Legislature to suspend and then limit the court’s ruling to only workers involved in the Dynamex case. The letter also asked that the decision not apply to other contractors for the next two years.\u003c/p>\n\u003cp>Not all those contractors are in tech, Chamber head Zaremberg points out. Emergency room doctors and accountants, for example, could also be impacted. Emergency hospitals and trauma centers contract their doctors through medical groups, and doctors generally work at a combination of hospitals and community clinics.\u003c/p>\n\u003cp>Dr. Aimee Mullen, president of the California chapter of American College of Emergency Physicians, confirms that ER doctors are among those uncertain about their contractor status.\u003c/p>\n\u003cp>“A lot of our members use that model. It’s choice. They like flexibility. They like working at multiple hospitals,” Mullen said.\u003c/p>\n\u003cp>The California Labor Federation’s Vega contends that, disruptive though it may be, the Dynamex ruling is the right one, particularly on worker exploitation. The core group affected tends to be low-income and immigrant workers, she said.\u003c/p>\n\u003cp>“The Dynamex decision was a victory for working people — truck drivers who are cheated out of wages, warehouse workers forced to risk their health and gig economy workers who want to be treated with dignity and respect,” \u003ca href=\"https://www.sacbee.com/opinion/op-ed/soapbox/article216805820.html\" rel=\"noopener\" target=\"_blank\">Vega wrote\u003c/a> in a Sacramento Bee op-ed.\u003c/p>\n\u003cp>Some workers see room for hybrid solutions. Edward Escobar, a San Francisco ride-hail driver of four years and founder of the Alliance for Independent Workers, a group formed by drivers three years ago, says he has seen a big decrease in how much these companies compensate drivers without a commensurate increase in control over working conditions.\u003c/p>\n\u003cp>Escobar believes gig companies are trying to have it both ways, and should give their workers either true independence or full employment. His proposal: Let workers choose their own classification, with wage and benefit protection for those who choose to be employees, and more control for contractors over which rides to take and what prices to set.\u003c/p>\n\u003cp>“These tech titans have been taking advantage of these gray areas,” Escobar said.\u003c/p>\n\u003cp>Assembly Speaker Anthony Rendon (D-Paramount) said earlier this month that while the Legislature is eager to delve into workforce issues, leaders do not have adequate time to act on it before the session ends next week.\u003c/p>\n\u003cp>“The Dynamex decision strikes at the core of what the future of work looks like in our society,” Rendon said in a statement. “From the decline of union membership to court rulings like the Janus decision, we’ve seen the continual erosion of workers’ rights. If the Legislature is to take action, we must do so thoughtfully with that in mind. That will not happen in the last three weeks of the legislative session.”\u003c/p>\n\u003cp>Nor are the stakes likely to be lowered for workers like Arellano.\u003c/p>\n\u003cp>“If I don’t work, I have no money,” said the Lyft and Uber driver. “Everything is so expensive in Santa Clara and the Bay Area.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>California tourism leaders say the industry is taking a big financial blow as multiple large wildfires burn up and down the state.\u003c/p>\n\u003cp>In a recent study conducted by \u003ca href=\"https://www.visitcalifornia.com/\" target=\"_blank\" rel=\"noopener\">Visit California\u003c/a> — a nonprofit state tourism organization — 11 percent of travelers said wildfires prompted them to cancel trips to California, representing a loss of $20 million to the state’s tourism economy in the last month alone.\u003c/p>\n\u003cp>While California’s wildfires have been devastating this year, Visit California president and CEO Caroline Beteta says there’s a misconception that all of California is burning, even though the fires are mostly affecting rural areas.\u003c/p>\n\u003cp>“We’ve seen a common perception that the majority of California is burning,” she said. “And these generalizations have prompted visitors to cancel trips, even in communities hundreds of miles from the fires, and even trips that are months out.”\u003c/p>\n\u003cp>Beteta’s organization said Thursday it is teaming up with Oregon and Washington state to reassure tourists it’s safe to visit.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The states formed the West Coast Tourism Recovery Coalition to remind tourists that the fires have hit mostly rural areas, so will likely not affect their vacations, despite recent blazes that have clogged skies with smoke.\u003c/p>\n\u003cp>“As we shift into crisis recovery mode, competition takes a back seat,” said Beteta.\u003c/p>\n\u003cp>One of the largest fires to hit California this year was the \u003ca href=\"https://inciweb.nwcg.gov/incident/5927/\" target=\"_blank\" rel=\"noopener\">Ferguson Fire\u003c/a>, which ignited in the Sierra National Forest on July 13 and forced National Park Service officials to shut down Yosemite Valley for weeks at the peak of tourist season.\u003c/p>\n\u003cp>That blaze is now fully contained, but its impact on the communities surrounding Yosemite is still being felt. Nearly 20 percent of visitors to California visit a national park, and that number is even higher for international travelers.\u003c/p>\n\u003cp>“Anytime a park is closed, the communities around the park suffer,” Beteta said. “The most traveled gateway into Yosemite [Madera County] is home to many lodging properties, so that area has been hard hit.”\u003c/p>\n\u003cp>Beteta said Madera County has seen an estimated $10 million loss in tourism revenue due to the closure of Yosemite Valley.\u003c/p>\n\u003cfigure id=\"attachment_11682548\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11682548\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-800x549.jpg\" alt=\"Trent Pederson, Miguel Vega and Yesun Park, residents of Mariposa, took in what they could see at Yosemite's famous Tunnel View viewpoint on Saturday, July 21, prior to the park's shutdown due to the Ferguson Fire.\" width=\"800\" height=\"549\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-800x549.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-160x110.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1020x700.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1200x823.jpg 1200w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1180x809.jpg 1180w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-960x659.jpg 960w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-240x165.jpg 240w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-375x257.jpg 375w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-520x357.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Trent Pederson, Miguel Vega and Yesun Park, residents of Mariposa, took in what they could see at Yosemite’s famous Tunnel View viewpoint on Saturday, July 21, prior to the park’s shutdown due to the Ferguson Fire. \u003ccite>(Samantha Shanahan/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>If you \u003ca href=\"https://www.kqed.org/news/11686460/yosemite-valley-reopening-a-relief-for-hard-hit-nearby-communities\">look at all four of Yosemite’s gateway communities\u003c/a> and the park itself, the estimated loss is about $50 million.\u003c/p>\n\u003cp>And it’s not just the communities surrounding Yosemite that have taken a financial blow. The largest wildfire in recorded state history — the \u003ca href=\"https://inciweb.nwcg.gov/incident/6073/\" target=\"_blank\" rel=\"noopener\">Mendocino Complex Fire\u003c/a> — is burning in Lake, Colusa and Mendocino counties, affecting business in some nearby communities that haven’t been touched by the blaze.\u003c/p>\n\u003cp>Farther north, the \u003ca href=\"https://inciweb.nwcg.gov/incident/6036/\" target=\"_blank\" rel=\"noopener\">Carr Fire\u003c/a> — which killed eight people and destroyed more than 1,000 homes — is burning near the city of Redding, which serves as the gateway to tourist destinations in the Northwest.\u003c/p>\n\u003cp>While there’s still some summer left this year, Beteta says it’s unlikely that local economies will be able to alleviate the losses suffered over the past few weeks. July and August are a big time for tourism in California.\u003c/p>\n\u003cp>“I think the biggest issue for us this year is the fact that we looked at some of these significant fires, though in rural places, they were protracted during three weeks of our high season,” Beteta said. “And that’s something that you just can’t make up.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This post includes reporting from The Associated Press.\u003c/em>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>California tourism leaders say the industry is taking a big financial blow as multiple large wildfires burn up and down the state.\u003c/p>\n\u003cp>In a recent study conducted by \u003ca href=\"https://www.visitcalifornia.com/\" target=\"_blank\" rel=\"noopener\">Visit California\u003c/a> — a nonprofit state tourism organization — 11 percent of travelers said wildfires prompted them to cancel trips to California, representing a loss of $20 million to the state’s tourism economy in the last month alone.\u003c/p>\n\u003cp>While California’s wildfires have been devastating this year, Visit California president and CEO Caroline Beteta says there’s a misconception that all of California is burning, even though the fires are mostly affecting rural areas.\u003c/p>\n\u003cp>“We’ve seen a common perception that the majority of California is burning,” she said. “And these generalizations have prompted visitors to cancel trips, even in communities hundreds of miles from the fires, and even trips that are months out.”\u003c/p>\n\u003cp>Beteta’s organization said Thursday it is teaming up with Oregon and Washington state to reassure tourists it’s safe to visit.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The states formed the West Coast Tourism Recovery Coalition to remind tourists that the fires have hit mostly rural areas, so will likely not affect their vacations, despite recent blazes that have clogged skies with smoke.\u003c/p>\n\u003cp>“As we shift into crisis recovery mode, competition takes a back seat,” said Beteta.\u003c/p>\n\u003cp>One of the largest fires to hit California this year was the \u003ca href=\"https://inciweb.nwcg.gov/incident/5927/\" target=\"_blank\" rel=\"noopener\">Ferguson Fire\u003c/a>, which ignited in the Sierra National Forest on July 13 and forced National Park Service officials to shut down Yosemite Valley for weeks at the peak of tourist season.\u003c/p>\n\u003cp>That blaze is now fully contained, but its impact on the communities surrounding Yosemite is still being felt. Nearly 20 percent of visitors to California visit a national park, and that number is even higher for international travelers.\u003c/p>\n\u003cp>“Anytime a park is closed, the communities around the park suffer,” Beteta said. “The most traveled gateway into Yosemite [Madera County] is home to many lodging properties, so that area has been hard hit.”\u003c/p>\n\u003cp>Beteta said Madera County has seen an estimated $10 million loss in tourism revenue due to the closure of Yosemite Valley.\u003c/p>\n\u003cfigure id=\"attachment_11682548\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11682548\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-800x549.jpg\" alt=\"Trent Pederson, Miguel Vega and Yesun Park, residents of Mariposa, took in what they could see at Yosemite's famous Tunnel View viewpoint on Saturday, July 21, prior to the park's shutdown due to the Ferguson Fire.\" width=\"800\" height=\"549\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-800x549.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-160x110.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1020x700.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1200x823.jpg 1200w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-1180x809.jpg 1180w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-960x659.jpg 960w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-240x165.jpg 240w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-375x257.jpg 375w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/07/YosemiteSmoke-520x357.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Trent Pederson, Miguel Vega and Yesun Park, residents of Mariposa, took in what they could see at Yosemite’s famous Tunnel View viewpoint on Saturday, July 21, prior to the park’s shutdown due to the Ferguson Fire. \u003ccite>(Samantha Shanahan/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>If you \u003ca href=\"https://www.kqed.org/news/11686460/yosemite-valley-reopening-a-relief-for-hard-hit-nearby-communities\">look at all four of Yosemite’s gateway communities\u003c/a> and the park itself, the estimated loss is about $50 million.\u003c/p>\n\u003cp>And it’s not just the communities surrounding Yosemite that have taken a financial blow. The largest wildfire in recorded state history — the \u003ca href=\"https://inciweb.nwcg.gov/incident/6073/\" target=\"_blank\" rel=\"noopener\">Mendocino Complex Fire\u003c/a> — is burning in Lake, Colusa and Mendocino counties, affecting business in some nearby communities that haven’t been touched by the blaze.\u003c/p>\n\u003cp>Farther north, the \u003ca href=\"https://inciweb.nwcg.gov/incident/6036/\" target=\"_blank\" rel=\"noopener\">Carr Fire\u003c/a> — which killed eight people and destroyed more than 1,000 homes — is burning near the city of Redding, which serves as the gateway to tourist destinations in the Northwest.\u003c/p>\n\u003cp>While there’s still some summer left this year, Beteta says it’s unlikely that local economies will be able to alleviate the losses suffered over the past few weeks. July and August are a big time for tourism in California.\u003c/p>\n\u003cp>“I think the biggest issue for us this year is the fact that we looked at some of these significant fires, though in rural places, they were protracted during three weeks of our high season,” Beteta said. “And that’s something that you just can’t make up.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This post includes reporting from The Associated Press.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Five months after Uber reached a settlement agreement in a class-action lawsuit filed by women and people of color who worked there as engineers, new details are emerging about the terms of the deal. The plaintiffs, both current and former employees, say they were subjected to harassment and discrimination at Uber.\u003c/p>\n\u003cp>It’s the latest development for a company that has come under fire for its workplace culture in recent years. Uber has seen \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/06/531806891/uber-fires-20-employees-after-sexual-harassment-claim-investigation\">the firing of at least 20 employees\u003c/a> over sexual harassment allegations and the \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/21/533754816/uber-founder-resigns-under-pressure-as-ceo-published-report-says\">departure of its CEO\u003c/a>.\u003c/p>\n\u003cp>The details of the $10 million settlement have not yet received final approval from a federal judge — a session scheduled for Nov. 6. The deal was announced in March and granted preliminary approval by a judge in April, according to a court filing from the settlement administrator.\u003c/p>\n\u003cp>Fifty-six people are set to receive an average payout of nearly $34,000 because they filed specific claims of “incidents of discrimination, harassment, and/or hostile work environment and connecting their experiences to their race, national origin or gender,” court documents state.\u003c/p>\n\u003cp>The amount will be determined using a scoring process, which takes into account the nature of the reported harassment, whom the offender is, whether there was a witness or other documentation and the impact of the harassment on the victim.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>A larger group of 483 people will be paid an average of nearly $11,000 because of other discrimination claims, according to the documents. The original lawsuit was filed by two Latina engineers, Roxana del Toro Lopez and Ana Medina, who say they were systematically discriminated against because of their gender and ethnic background.\u003c/p>\n\u003cp>Court filings say 487 class members were contacted about participating in the case. Nobody objected, and two opted out. The terms of the deal were reported Tuesday \u003ca href=\"https://www.bloomberg.com/news/articles/2018-08-21/uber-harassment-settlement-56-workers-to-split-1-9-million\">by Bloomberg\u003c/a>.\u003c/p>\n\u003cp>“We agree with the plaintiff’s motion which states that ‘the class has responded extremely favorably to the settlement’ with amounts that are ‘fair, reasonable, and adequate,’ ” Uber said in a statement to NPR.\u003c/p>\n\u003cp>Uber has stressed that it is working to change. The company says it is taking actions on the issues highlighted by this lawsuit, including putting in place a new salary and equity structure and changing the performance review process.\u003c/p>\n\u003cp>“Moving forward, it’s time to move in a new direction,” CEO Dara Khosrowshahi said in a recent \u003ca href=\"https://www.youtube.com/watch?v=WMZyw5lPKgE\">TV commercial\u003c/a>. “This begins with new leadership and a new culture. … One of our core values as a company is to always to the right thing. And if there are times when we fall short, we commit to being open, taking responsibility for the problem and fixing it.”\u003c/p>\n\u003cp>Last year, the company conducted an investigation into more than 200 complaints of sexual harassment and workplace misconduct, as \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/06/531806891/uber-fires-20-employees-after-sexual-harassment-claim-investigation\">NPR’s Yuki Noguchi reported\u003c/a>. The 20 employees it fired included senior executives.\u003c/p>\n\u003cp>That investigation received attention, Noguchi said, “in part because Silicon Valley already has a reputation for attracting and catering to male tech talent, but not to women. So, in a way, Uber is a test case for how serious the tech industry is about fixing its gender-diversity problems.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Months before the investigation concluded, a former Uber engineer named Susan Fowler \u003ca href=\"https://www.susanjfowler.com/blog/2017/2/19/reflecting-on-one-very-strange-year-at-uber\">published a blog post\u003c/a> saying her new manager had propositioned her for sex the day she joined his team. When she went to report the situation to human resources, she says she was told that “they wouldn’t feel comfortable giving him anything other than a warning and a stern talking-to.” \u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Details+Of+Uber+Harassment+Settlement+Released&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Five months after Uber reached a settlement agreement in a class-action lawsuit filed by women and people of color who worked there as engineers, new details are emerging about the terms of the deal. The plaintiffs, both current and former employees, say they were subjected to harassment and discrimination at Uber.\u003c/p>\n\u003cp>It’s the latest development for a company that has come under fire for its workplace culture in recent years. Uber has seen \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/06/531806891/uber-fires-20-employees-after-sexual-harassment-claim-investigation\">the firing of at least 20 employees\u003c/a> over sexual harassment allegations and the \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/21/533754816/uber-founder-resigns-under-pressure-as-ceo-published-report-says\">departure of its CEO\u003c/a>.\u003c/p>\n\u003cp>The details of the $10 million settlement have not yet received final approval from a federal judge — a session scheduled for Nov. 6. The deal was announced in March and granted preliminary approval by a judge in April, according to a court filing from the settlement administrator.\u003c/p>\n\u003cp>Fifty-six people are set to receive an average payout of nearly $34,000 because they filed specific claims of “incidents of discrimination, harassment, and/or hostile work environment and connecting their experiences to their race, national origin or gender,” court documents state.\u003c/p>\n\u003cp>The amount will be determined using a scoring process, which takes into account the nature of the reported harassment, whom the offender is, whether there was a witness or other documentation and the impact of the harassment on the victim.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>A larger group of 483 people will be paid an average of nearly $11,000 because of other discrimination claims, according to the documents. The original lawsuit was filed by two Latina engineers, Roxana del Toro Lopez and Ana Medina, who say they were systematically discriminated against because of their gender and ethnic background.\u003c/p>\n\u003cp>Court filings say 487 class members were contacted about participating in the case. Nobody objected, and two opted out. The terms of the deal were reported Tuesday \u003ca href=\"https://www.bloomberg.com/news/articles/2018-08-21/uber-harassment-settlement-56-workers-to-split-1-9-million\">by Bloomberg\u003c/a>.\u003c/p>\n\u003cp>“We agree with the plaintiff’s motion which states that ‘the class has responded extremely favorably to the settlement’ with amounts that are ‘fair, reasonable, and adequate,’ ” Uber said in a statement to NPR.\u003c/p>\n\u003cp>Uber has stressed that it is working to change. The company says it is taking actions on the issues highlighted by this lawsuit, including putting in place a new salary and equity structure and changing the performance review process.\u003c/p>\n\u003cp>“Moving forward, it’s time to move in a new direction,” CEO Dara Khosrowshahi said in a recent \u003ca href=\"https://www.youtube.com/watch?v=WMZyw5lPKgE\">TV commercial\u003c/a>. “This begins with new leadership and a new culture. … One of our core values as a company is to always to the right thing. And if there are times when we fall short, we commit to being open, taking responsibility for the problem and fixing it.”\u003c/p>\n\u003cp>Last year, the company conducted an investigation into more than 200 complaints of sexual harassment and workplace misconduct, as \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/06/531806891/uber-fires-20-employees-after-sexual-harassment-claim-investigation\">NPR’s Yuki Noguchi reported\u003c/a>. The 20 employees it fired included senior executives.\u003c/p>\n\u003cp>That investigation received attention, Noguchi said, “in part because Silicon Valley already has a reputation for attracting and catering to male tech talent, but not to women. So, in a way, Uber is a test case for how serious the tech industry is about fixing its gender-diversity problems.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Months before the investigation concluded, a former Uber engineer named Susan Fowler \u003ca href=\"https://www.susanjfowler.com/blog/2017/2/19/reflecting-on-one-very-strange-year-at-uber\">published a blog post\u003c/a> saying her new manager had propositioned her for sex the day she joined his team. When she went to report the situation to human resources, she says she was told that “they wouldn’t feel comfortable giving him anything other than a warning and a stern talking-to.” \u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Details+Of+Uber+Harassment+Settlement+Released&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>When it comes to the taxman, California's legal pot market is off to a sluggish start.\u003c/p>\n\u003cp>Marijuana cultivation and excise tax collections hit $48 million between April and June, state officials announced Wednesday. That's a jump from the prior three months but well below the windfall envisioned by the state.\u003c/p>\n\u003cp>Finance officials had estimated the state would bank $185 million from excise and cultivation taxes in the first six months of broad legal sales, which kicked off Jan. 1.\u003c/p>\n\u003cp>But collections by midyear hit only $82 million.\u003c/p>\n\u003cp>\"After six months of legal cannabis sales there is a staggering ... gap between today's tax revenue numbers and what voters were promised,\" said state Assemblyman Evan Low, a Democrat from Campbell who heads the Business and Professions Committee. \"Regulators must adapt before California's lawful cannabis businesses are obliterated by the black market.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The slower than expected flow of cash underscores the bumpy roll-out of the nation's largest legal market.\u003c/p>\n\u003cp>Illicit sales continue to flourish, luring consumers away from legal shops. Meanwhile, many areas have banned commercial pot activity, limiting the number of places adults can buy legal cannabis. Businesses say hefty tax rates that can approach 50 percent in some areas are also driving business underground.\u003c/p>\n\u003cp>\"The situation is pretty severe,\" said Hezekiah Allen, executive director of the California Growers Association, an advocacy group for farmers and businesses.\u003c/p>\n\u003cp>Californians are buying plenty of cannabis, Allen says, they are just not buying it from licensed shops.\u003c/p>\n\u003cp>\"Most of the state doesn't have access to it,\" Allen added. \"The California marketplace needs significant change if it's going to function ... primarily at the local level.\"\u003c/p>\n\u003cp>On Tuesday, state regulators meeting in Los Angeles heard a long list of complaints and concerns about California's pot economy, once estimated to grow to $7 billion.\u003c/p>\n\u003cp>They included a shaky supply chain, a shortage of licenses, testing problems and a contested proposal to allow home marijuana deliveries in cities that have banned pot sales.\u003c/p>\n\u003cp>The state's top marijuana regulator, Lori Ajax, said after the hearing that the state remains in a challenging transition period as it attempts to transform what was once a largely illegal market into a multibillion-dollar, regulated economy.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"Unfortunately, there is confusion out there,\" Ajax said.\u003c/p>\n\n",
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"content": "\u003cp>California still has the nation’s highest poverty rate when you take into account the state’s high cost of living. But the number of people living in poverty here has dropped since the beginning of the decade.\u003c/p>\n\u003cp>There were nearly 600,000 fewer impoverished Californians in 2016 than in 2011, according to the \u003ca href=\"http://www.ppic.org/publication/poverty-in-california/\">Public Policy Institute of California.\u003c/a>\u003c/p>\n\u003cp>That’s unequivocally positive. The state’s economic recovery took a long time to touch lower-income households, but a booming labor market and long overdue wage gains—as well as a strong safety net that kept things from getting worse—have finally benefited people living near the bottom of the income scale.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://e.infogram.com/6eb45a65-e165-477c-8412-fd07031316bf?src=embed\" title=\"Poverty Rate CA \" width=\"550\" height=\"750\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003cbr>\nEven as housing prices have risen dramatically over the same period, the poverty rate dropped from nearly 22 percent in 2011 to about 19 percent in 2016, the most recent year poverty data is available.\u003c/p>\n\u003cp>That may not sound like much of a decline. But the sheer size of California means any movement in the poverty rate is going to affect a huge number of people. And poverty rates don’t see a lot of movement year-to-year anyway.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“Small changes in the poverty rate can be pretty meaningful,” said Sarah Bohn, research director at the Public Policy Institute of California. “Even like half of a percentage point can be really powerful in terms of the number of people who are poor.”\u003c/p>\n\u003cp>That’s the good news. But the decline in California’s overall poverty rate masks considerable geographic differences within the state. Some major swaths of California haven’t seen any decline in poverty at all.\u003c/p>\n\u003cp>San Diego County has not seen a statistically significant change in its poverty rate since 2011. About 1 in 5 residents of the county struggle to make ends meet, according to the institute’s poverty measure, which unlike the federal poverty metric takes into account housing costs and the benefits of government social programs. Out of the nine geographic regions the institute carves the state into for its analysis, the San Diego region is the second poorest, trailing only Los Angeles County.\u003c/p>\n\u003cp>The greater Sacramento area has similarly seen no real movement in its poverty rate since the early years of the decade. Of regions analyzed, only Sacramento and its neighboring counties saw an increase in the number of people living below the poverty line due to population growth, not an increase in the poverty rate).\u003c/p>\n\u003cp>Why have these areas lagged other parts of the state in reducing poverty?\u003c/p>\n\u003cp>Researchers don’t fully know yet. Part of the explanation is simply methodological—a large margin of error on these estimates minimizes year-over-year changes.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://e.infogram.com/42e7292e-e225-4169-8ea6-f6064aca8e8f?src=embed\" title=\"CA Map Poverty\" width=\"550\" height=\"1000\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003cbr>\nBut another reason could be how the Great Recession of the late 2000s impacted different parts of the state. Bohn says that San Diego wasn’t hit as hard as other regions by the economic downturn, which ironically meant that an economic recovery wouldn’t lift local families as much.\u003c/p>\n\u003cp>Compare that to the Central Valley, which was ravaged by the foreclosure crisis. Over 100,000 fewer Central Valley residents are living in poverty now than in 2011. The only other region to see an equivalent drop over the same period was Los Angeles County, which is much larger.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The poverty improvements in certain areas could be obscuring a broader trend: Low-income Californians leaving the state entirely. A recent \u003ca href=\"http://www.latimes.com/business/la-fi-housing-costs-migration-20180503-story.html\">report\u003c/a> by Beacon Economics found that the state lost more than 500,000 households making less than $50,000 a year since 2000.\u003c/p>\n\n",
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"excerpt": "The poverty improvements in certain areas could be obscuring a broader trend: Low-income Californians leaving the state entirely.",
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"nprByline": "\u003ca href=\"https://calmatters.org/articles/author/matt-levin/\">Matt Levin\u003c/a>\u003cbr>\u003cstrong>\u003ca href=\"https://calmatters.org/articles/california-poverty-region-county-better-worse/\">CALmatters\u003c/a>\u003c/strong>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>California still has the nation’s highest poverty rate when you take into account the state’s high cost of living. But the number of people living in poverty here has dropped since the beginning of the decade.\u003c/p>\n\u003cp>There were nearly 600,000 fewer impoverished Californians in 2016 than in 2011, according to the \u003ca href=\"http://www.ppic.org/publication/poverty-in-california/\">Public Policy Institute of California.\u003c/a>\u003c/p>\n\u003cp>That’s unequivocally positive. The state’s economic recovery took a long time to touch lower-income households, but a booming labor market and long overdue wage gains—as well as a strong safety net that kept things from getting worse—have finally benefited people living near the bottom of the income scale.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://e.infogram.com/6eb45a65-e165-477c-8412-fd07031316bf?src=embed\" title=\"Poverty Rate CA \" width=\"550\" height=\"750\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003cbr>\nEven as housing prices have risen dramatically over the same period, the poverty rate dropped from nearly 22 percent in 2011 to about 19 percent in 2016, the most recent year poverty data is available.\u003c/p>\n\u003cp>That may not sound like much of a decline. But the sheer size of California means any movement in the poverty rate is going to affect a huge number of people. And poverty rates don’t see a lot of movement year-to-year anyway.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Small changes in the poverty rate can be pretty meaningful,” said Sarah Bohn, research director at the Public Policy Institute of California. “Even like half of a percentage point can be really powerful in terms of the number of people who are poor.”\u003c/p>\n\u003cp>That’s the good news. But the decline in California’s overall poverty rate masks considerable geographic differences within the state. Some major swaths of California haven’t seen any decline in poverty at all.\u003c/p>\n\u003cp>San Diego County has not seen a statistically significant change in its poverty rate since 2011. About 1 in 5 residents of the county struggle to make ends meet, according to the institute’s poverty measure, which unlike the federal poverty metric takes into account housing costs and the benefits of government social programs. Out of the nine geographic regions the institute carves the state into for its analysis, the San Diego region is the second poorest, trailing only Los Angeles County.\u003c/p>\n\u003cp>The greater Sacramento area has similarly seen no real movement in its poverty rate since the early years of the decade. Of regions analyzed, only Sacramento and its neighboring counties saw an increase in the number of people living below the poverty line due to population growth, not an increase in the poverty rate).\u003c/p>\n\u003cp>Why have these areas lagged other parts of the state in reducing poverty?\u003c/p>\n\u003cp>Researchers don’t fully know yet. Part of the explanation is simply methodological—a large margin of error on these estimates minimizes year-over-year changes.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://e.infogram.com/42e7292e-e225-4169-8ea6-f6064aca8e8f?src=embed\" title=\"CA Map Poverty\" width=\"550\" height=\"1000\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003cbr>\nBut another reason could be how the Great Recession of the late 2000s impacted different parts of the state. Bohn says that San Diego wasn’t hit as hard as other regions by the economic downturn, which ironically meant that an economic recovery wouldn’t lift local families as much.\u003c/p>\n\u003cp>Compare that to the Central Valley, which was ravaged by the foreclosure crisis. Over 100,000 fewer Central Valley residents are living in poverty now than in 2011. The only other region to see an equivalent drop over the same period was Los Angeles County, which is much larger.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The poverty improvements in certain areas could be obscuring a broader trend: Low-income Californians leaving the state entirely. A recent \u003ca href=\"http://www.latimes.com/business/la-fi-housing-costs-migration-20180503-story.html\">report\u003c/a> by Beacon Economics found that the state lost more than 500,000 households making less than $50,000 a year since 2000.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"slug": "yosemite-national-park-reopens-but-fires-toll-still-felt",
"title": "Yosemite National Park Reopens, But Fire's Toll Still Felt",
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"headTitle": "Yosemite National Park Reopens, But Fire’s Toll Still Felt | KQED",
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"content": "\u003cp>The reopening of Yosemite National Park can’t come soon enough for Douglas Shaw.\u003c/p>\n\u003cp>The 20-day closure during peak tourist season cost Shaw $200,000 in lost revenue at his hotel just outside of Yosemite — one of the busiest parks in the U.S.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11686230/yosemite-valley-to-reopen-as-fire-threat-weakens\" target=\"_blank\" rel=\"noopener\">Most of the park reopened Tuesday\u003c/a>. Park officials say Highway 41 and Glacier Point will remain closed for likely at least another week for fire-fighting operations.\u003c/p>\n\u003cp>The nearly three-week closure was the result of \u003ca href=\"https://www.kqed.org/news/11683410/carr-fire-expands-in-shasta-two-wildfires-blaze-in-mendocino\" target=\"_blank\" rel=\"noopener\">the Ferguson fire\u003c/a>, which has burned 96,457 acres and killed two firefighters since it started July 13. Though the fire didn’t reach the heart of Yosemite Valley, it burned in remote areas of the park and choked popular areas with smoke. The park closures began July 25.\u003c/p>\n\u003cp>During that time, Shaw wiped out his savings account, had to lay off eight of his 43 employees and started considering early retirement to avoid a possible future with similar devastating wildfires.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“If I hadn’t had savings, which is depleted, I’d be scrambling for money or I wouldn’t have a business,” Shaw said. “It’s a huge setback.”\u003c/p>\n\u003cp>Shaw is among hundreds of business owners in small communities surrounding Yosemite who depend on tourist dollars. Tens of thousands of visitors from across the globe canceled trips because of the park’s closure.\u003c/p>\n\u003cp>The Ferguson Fire is one of several devastating fires in California — \u003ca href=\"https://www.kqed.org/news/11686818/fatality-in-mendocino-complex-fire-adds-to-deadly-month-for-california-firefighters\" target=\"_blank\" rel=\"noopener\">the latest fatality\u003c/a> being a firefighter from Utah who died Monday while battling the Ranch Fire, the largest in California history.\u003c/p>\n\u003cp>In Yosemite, the fires peaked during the busiest month for tourism. The park draws more than 600,000 visitors during a typical August, according to the National Park Service. Visitor bureaus in the area and the park are estimating roughly $50 million in combined tourism losses, said Steve Montalto, creative director at Visit Yosemite Madera County.\u003c/p>\n\u003cp>“From an economic standpoint, it’s majorly significant to the region,” said Montalto, who visited one of the most popular attractions at the park, the Mariposa Grove of Giant Sequoias, when it reopened Monday ahead of the larger reopening Tuesday.\u003c/p>\n\u003cp>“It’s like a big breath of fresh air to be able to get in there and explore these places again,” he said.\u003c/p>\n\u003cp>While hotel owners and other business are relieved about the opening, they say it will likely be weeks before their bookings return to normal.\u003c/p>\n\u003cp>Shaw said his hotel probably won’t be more than 45 percent booked this week, when normally it’s sold out well in advance. There were just 10 people staying there Monday night, he said.\u003c/p>\n\u003cp>“Once the closure hit that three-week mark, there’s a full panic across the board for visitors, whether they’re from Beijing or Paris or San Francisco,” he said.\u003c/p>\n\u003cp>Tom Lambert, who rents out an apartment within the park, said he and his wife have lost about $20,000 in income because of the closure. And because the apartment is along the one entrance to Yosemite Valley that will remain closed for at least a week, he said his next booking isn’t until Aug. 31.\u003c/p>\n\u003cp>“And now people are starting to cancel into September, and we have October people asking about canceling,” Lambert said. “It’s still rough. The summer is pretty much lost.”\u003c/p>\n\u003cp>Officials are trying to get the word out that the park is back open. They have posted pictures of themselves and visitors at attractions holding red paddleboards that say #YosemiteNOW, and they’re encouraging visitors to do the same.\u003c/p>\n\u003cp>As for the park, the dent in visitor fees will impact park improvements, such as fixing roads and updating facilities, ranger Scott Gediman said.\u003c/p>\n\u003cp>Because those projects are planned years in advance, all improvements for this year will be covered but projects in the future will be affected, Gediman said, though it was too soon to know which ones.\u003c/p>\n\u003cp>It’s not the only national park struggling with wildfires.\u003c/p>\n\u003cp>A Montana blaze destroyed structures and forced evacuations Monday from the busiest area of Glacier National Park.\u003c/p>\n\u003cp>In Yosemite, visitors likely will notice some smoke and may even see flames on their way in, though the fire is almost entirely contained, Gediman said.\u003c/p>\n\u003cp>“People won’t have the crystal clear blue skies they’re used to,” he said, but added that the smoke “is the best I’ve seen it in several weeks.”\u003c/p>\n\u003cp>But as Gediman walked around the park ahead of the opening, he said there was a newfound sense of anticipation among workers who were tidying up campsites and preparing entrance stations.\u003c/p>\n\u003cp>“We are very excited to get the park reopened,” he said. “It seems like a long time and it’s certainly been very quiet.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>When Shaw heard the good news, he said he felt pure joy. “It’s a beautiful thing,” he said. “You realize that roads are actually paved with money.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The reopening of Yosemite National Park can’t come soon enough for Douglas Shaw.\u003c/p>\n\u003cp>The 20-day closure during peak tourist season cost Shaw $200,000 in lost revenue at his hotel just outside of Yosemite — one of the busiest parks in the U.S.\u003c/p>\n\u003cp>\u003ca href=\"https://www.kqed.org/news/11686230/yosemite-valley-to-reopen-as-fire-threat-weakens\" target=\"_blank\" rel=\"noopener\">Most of the park reopened Tuesday\u003c/a>. Park officials say Highway 41 and Glacier Point will remain closed for likely at least another week for fire-fighting operations.\u003c/p>\n\u003cp>The nearly three-week closure was the result of \u003ca href=\"https://www.kqed.org/news/11683410/carr-fire-expands-in-shasta-two-wildfires-blaze-in-mendocino\" target=\"_blank\" rel=\"noopener\">the Ferguson fire\u003c/a>, which has burned 96,457 acres and killed two firefighters since it started July 13. Though the fire didn’t reach the heart of Yosemite Valley, it burned in remote areas of the park and choked popular areas with smoke. The park closures began July 25.\u003c/p>\n\u003cp>During that time, Shaw wiped out his savings account, had to lay off eight of his 43 employees and started considering early retirement to avoid a possible future with similar devastating wildfires.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“If I hadn’t had savings, which is depleted, I’d be scrambling for money or I wouldn’t have a business,” Shaw said. “It’s a huge setback.”\u003c/p>\n\u003cp>Shaw is among hundreds of business owners in small communities surrounding Yosemite who depend on tourist dollars. Tens of thousands of visitors from across the globe canceled trips because of the park’s closure.\u003c/p>\n\u003cp>The Ferguson Fire is one of several devastating fires in California — \u003ca href=\"https://www.kqed.org/news/11686818/fatality-in-mendocino-complex-fire-adds-to-deadly-month-for-california-firefighters\" target=\"_blank\" rel=\"noopener\">the latest fatality\u003c/a> being a firefighter from Utah who died Monday while battling the Ranch Fire, the largest in California history.\u003c/p>\n\u003cp>In Yosemite, the fires peaked during the busiest month for tourism. The park draws more than 600,000 visitors during a typical August, according to the National Park Service. Visitor bureaus in the area and the park are estimating roughly $50 million in combined tourism losses, said Steve Montalto, creative director at Visit Yosemite Madera County.\u003c/p>\n\u003cp>“From an economic standpoint, it’s majorly significant to the region,” said Montalto, who visited one of the most popular attractions at the park, the Mariposa Grove of Giant Sequoias, when it reopened Monday ahead of the larger reopening Tuesday.\u003c/p>\n\u003cp>“It’s like a big breath of fresh air to be able to get in there and explore these places again,” he said.\u003c/p>\n\u003cp>While hotel owners and other business are relieved about the opening, they say it will likely be weeks before their bookings return to normal.\u003c/p>\n\u003cp>Shaw said his hotel probably won’t be more than 45 percent booked this week, when normally it’s sold out well in advance. There were just 10 people staying there Monday night, he said.\u003c/p>\n\u003cp>“Once the closure hit that three-week mark, there’s a full panic across the board for visitors, whether they’re from Beijing or Paris or San Francisco,” he said.\u003c/p>\n\u003cp>Tom Lambert, who rents out an apartment within the park, said he and his wife have lost about $20,000 in income because of the closure. And because the apartment is along the one entrance to Yosemite Valley that will remain closed for at least a week, he said his next booking isn’t until Aug. 31.\u003c/p>\n\u003cp>“And now people are starting to cancel into September, and we have October people asking about canceling,” Lambert said. “It’s still rough. The summer is pretty much lost.”\u003c/p>\n\u003cp>Officials are trying to get the word out that the park is back open. They have posted pictures of themselves and visitors at attractions holding red paddleboards that say #YosemiteNOW, and they’re encouraging visitors to do the same.\u003c/p>\n\u003cp>As for the park, the dent in visitor fees will impact park improvements, such as fixing roads and updating facilities, ranger Scott Gediman said.\u003c/p>\n\u003cp>Because those projects are planned years in advance, all improvements for this year will be covered but projects in the future will be affected, Gediman said, though it was too soon to know which ones.\u003c/p>\n\u003cp>It’s not the only national park struggling with wildfires.\u003c/p>\n\u003cp>A Montana blaze destroyed structures and forced evacuations Monday from the busiest area of Glacier National Park.\u003c/p>\n\u003cp>In Yosemite, visitors likely will notice some smoke and may even see flames on their way in, though the fire is almost entirely contained, Gediman said.\u003c/p>\n\u003cp>“People won’t have the crystal clear blue skies they’re used to,” he said, but added that the smoke “is the best I’ve seen it in several weeks.”\u003c/p>\n\u003cp>But as Gediman walked around the park ahead of the opening, he said there was a newfound sense of anticipation among workers who were tidying up campsites and preparing entrance stations.\u003c/p>\n\u003cp>“We are very excited to get the park reopened,” he said. “It seems like a long time and it’s certainly been very quiet.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>When Shaw heard the good news, he said he felt pure joy. “It’s a beautiful thing,” he said. “You realize that roads are actually paved with money.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,” Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>“Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“It has a lot to do with the industry and how much money they’re putting into efforts to killing it,” Aponte-Diaz added. “They hire all the top lobby firms to kill our bills.”\u003c/p>\n\n",
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"title": "Once Again, California Lawmakers Won't Crack Down on Payday Lenders | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>When phone bank worker Melissa Mendez, age 26, felt financially squeezed a few months ago, she walked into a Cash 1 storefront in Sacramento and took out a payday loan. The annual interest rate: 460 percent.\u003c/p>\n\u003cp>“I was short on cash and needed to pay rent,” Mendez said.\u003c/p>\n\u003cp>That rate would shock a lot of people. Not Mendez, who once worked behind the counter at an outpost of the lending giant Advance America. She had fielded applications for short-term loans from all sorts of people: seniors needing more money because their Social Security check wasn’t cutting it, people in between jobs and waiting for a first paycheck, and people like herself, lacking enough savings to get to the end of the month.\u003c/p>\n\u003cp>Unlike Mendez, many desperate people don’t know what they’re signing on to — often agreeing to aggressive collection practices, inflexible repayment options and exorbitant interest. “They just point at stuff and walk through it really fast,” she said. “A lot of people just see the money and they don’t see the interest rates.”\u003c/p>\n\u003cp>In California, \u003ca href=\"http://www.pewtrusts.org/en/research-and-analysis/data-visualizations/2014/state-payday-loan-regulation-and-usage-rates\" target=\"_blank\" rel=\"noopener\">1 in 20 people\u003c/a> a year take out a payday loan, amounting to $2.9 billion annually. Payday lending has grown into a multi-billion-dollar industry, fueled by triple-digit interest rates, steep transaction fees and the pervasiveness of its hundreds of stores across the state.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>One Cal State study found California now has \u003ca href=\"http://www.csun.edu/~sg4002/research/mcdonalds_by_state.htm\" target=\"_blank\" rel=\"noopener\">more payday lenders than it does McDonald’s.\u003c/a>\u003c/p>\n\u003cp>Yet while some states ban payday loan storefronts completely or significantly restrict their operations, California is one of 26 states allowing loans with annual percentage rates higher than 391 percent on loans that must be fully repaid within two weeks. Otherwise, borrowers face collection calls, overdrafting their accounts or even a court order when they default.\u003c/p>\n\u003cp>Given the opportunity to crack down on predatory lending, the California Legislature has buried at least five bills intended to curb the practice. These would have capped interest rates on loans, extended repayment time or offered installment plans to borrowers. Among them:\u003c/p>\n\u003cp>• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB3010\" target=\"_blank\" rel=\"noopener\">AB 3010:\u003c/a> Authored in 2018 by Assemblywoman Monique Limón, D-Goleta, it sought to restrict people from taking out more than one payday loan at a time, and proposed creating a database requiring licensed lenders to record their loan transactions. Without the votes, Limón pulled the bill.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=201720180AB2953\" target=\"_blank\" rel=\"noopener\">AB 2953:\u003c/a> Also authored by Limón in 2018, it aimed to stop lenders from charging more than 36 percent on auto-title loans, also known as pink-slip loans, but failed to secure enough votes to advance in the Senate.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180AB2500\" target=\"_blank\" rel=\"noopener\">AB 2500:\u003c/a> Authored in 2018 by Assemblyman Ash Kalra, D-San Jose, the bill aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It died on the Assembly floor.\u003cbr>\n• \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120SB365\" target=\"_blank\" rel=\"noopener\">SB 365:\u003c/a> Authored by Sen. Alan Lowenthal, D-Long Beach, in 2011, the bill proposed creating a payday loan database, but it also languished.\u003cbr>\n• \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201320140SB515\" target=\"_blank\" rel=\"noopener\">SB 515:\u003c/a> This 2014 bill by Sen. Hannah-Beth Jackson, D-Santa Barbara, aimed to extend the minimum length of a payday loan and require lenders to offer installment plans, as well as develop a database and cap loans at four per year per borrower. It died in committee.\u003c/p>\n\u003cp>Limón said this year, as in previous years, the billion-dollar lending industry has gotten its way. Both of her bills faced heavy opposition early on, and she refused to make changes that would have mollified the industry.\u003c/p>\n\u003cp>But this year’s effort was “historic” in that it was the first time bills of this sort passed out of their originating houses, she told CALmatters.\u003c/p>\n\u003cp>“We knew this was something that was going to push the envelope, but we felt it was important to introduce this,” Limón said. “So long as there is a problem, I think California will be having a discussion about it.”\u003c/p>\n\u003cp>Among those voting against Limón’s AB 3010 was Assemblyman Kevin Kiley, a Roseville Republican. After questioning the notion of limiting each person to one payday loan, he said creation of a database “seems like quite an undertaking. There’s privacy concerns, apparently issues of reliability, potential liability for the state.”\u003c/p>\n\u003cp>Other states have taken firmer steps in recent years to cut down on predatory lending. New York prohibits payday lending through criminal usury statutes, which outlaw loan interest of 25 percent or more. Arkansas’s state constitution caps rates at 17 percent. Most other states that have a ceiling limit lenders to 36 percent.\u003c/p>\n\u003cp>“[California] needs to innovate in order to bring in lower prices for consumers,” said Nick Bourke, director of consumer finance at Pew Charitable Trusts, which has studied predatory lending nationwide.\u003c/p>\n\u003cp>“Conventional payday loans are not helping them when the problem comes back two weeks later. If credit is going to be part of the solution, the only way is if it’s structured to be installments with affordable rates.”\u003c/p>\n\u003cp>But payday and pink-slip lending companies argue that what might look predatory is in reality just operators in a risky business protecting themselves from customers happy to take their money but sometimes negligent about paying it back.\u003c/p>\n\u003cp>The California Financial Service Providers Association, the industry group that opposed Kalra’s bill, argued that lowering rates would hurt their profit margins and cause them to throttle back on issuing loans — driving consumers into the hands of unregulated lenders and services. The association represents some of the largest payday lenders in the country, including Advance America.\u003c/p>\n\u003cp>\u003cimg loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11684459 size-medium\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg\" alt=\"\" width=\"800\" height=\"1868\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-800x1868.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-160x374.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1020x2382.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-514x1200.jpg 514w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1920x4484.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-1180x2756.jpg 1180w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-960x2242.jpg 960w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-240x560.jpg 240w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-375x876.jpg 375w, https://cdn.kqed.org/wp-content/uploads/sites/10/2018/08/borrowing-in-california-520x1214.jpg 520w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003c/p>\n\u003cp>Advance America operates more than 2,000 stores in the U.S. and since 2004 has spent more than $1 million lobbying in California alone. The company did not respond to requests for comment.\u003c/p>\n\u003cp>“Investors consider the type of lending our member businesses conduct to be high-risk, resulting in a substantial cost for our members to borrow money that they ultimately lend to consumers,” the trade association wrote.\u003c/p>\n\u003cp>“Additionally, our member businesses are in the communities they service and have significant premise and operating costs. Additionally, labor costs, the cost of underwriting and compliance, the cost of credit reporting and the cost of defaults, all drive up the price of delivering the product to the consumer.”\u003c/p>\n\u003cp>In California, consumers can take out a payday loan of up to $300 — actually only worth $255 when you factor in a $45 fee — that in most cases must be repaid in full in two weeks. But a borrower who can’t make the full payment frequently takes out another loan to keep covering other ongoing costs — and the cycle escalates. In 2016, 83 percent of the 11.5 million payday loans were taken out by a repeat borrower, a practice known as loan stacking.\u003c/p>\n\u003cp>The annual percentage rate, a way of measuring of how much the loan will cost in interest over a year, gives an idea of how much a borrower will end up paying if the loan remains unpaid for one year. So at an annual percentage rate of 460 percent, someone taking out $300 can end up paying back $1,380 in that year, not to mention fees that multiply on each additional loan.\u003c/p>\n\u003cp>So who uses payday loans?\u003c/p>\n\u003cp>Because they don’t require a credit score as prerequisite, they appeal to cash-strapped borrowers who can’t go to a regular bank. Payday lenders require only income and a checking account to hand out these loans.\u003c/p>\n\u003cp>State analysis also\u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\"> found\u003c/a> payday lender storefronts are concentrated in places with high family poverty.\u003c/p>\n\u003cp>“A lot of families in California are suffering from income volatility and lack of emergency savings. California has a very real problem because conventional payday loans are really harming people more than helping people,” Bourke said.\u003c/p>\n\u003cp>More than 60 percent of payday storefronts are located in zip codes with \u003ca href=\"http://www.dbo.ca.gov/Licensees/payday_Lenders/pdfs/The%20Demographics%20of%20CA%20Payday%20Lending%20A%20Zip%20Code%20Analysis%20of%20Storefront%20Locations.pdf\" target=\"_blank\" rel=\"noopener\">higher family poverty rates\u003c/a> than the rest of the state, according to California’s Department of Business Oversight. And nearly half are located where the poverty rate for African-Americans and Latinos is higher than the statewide poverty rate for those groups. Most borrowers make an average annual income between $10,000 to $40,000.\u003c/p>\n\u003cp>The state says the \u003ca href=\"http://www.dbo.ca.gov/Licensees/Payday_Lenders/pdfs/Annual%20Report%20CDDTL%202017%20Final.pdf\" target=\"_blank\" rel=\"noopener\">average\u003c/a> interest rate for payday loan transactions was 377 percent last year — a slight increase over what it was the previous year. Licensed lenders reported collecting $436.4 million in fees — 70 percent of that from borrowers who took out seven or more loans that year.\u003c/p>\n\u003cp>On average, Californians take out a loan of $250, but the often-unaffordable interest rates sometimes corner them into paying a fee to roll into another loan and extend the terms.\u003c/p>\n\u003cp>There are other options if borrowers need quick cash beyond the payday loan amount of $300 — but they come with different risks.\u003c/p>\n\u003cp>In 2013, the state \u003ca href=\"http://www.dbo.ca.gov/Licensees/Finance_Lenders/Responsible_Small_Dollar_Loans/default.asp\" target=\"_blank\" rel=\"noopener\">created\u003c/a> a small-dollar loan program to regulate loans between $300 and $2,500. The state caps interest on those loans between 20 and 30 percent, but any loan above $2,500 is the “real Wild, Wild West,” said Graciela Aponte-Diaz, California policy director at the Center for Responsible Lending, a nonprofit focused on consumer lending.\u003c/p>\n\u003cp>“Loans between $2,500 to $5,000 have a 100 percent (annual interest rate). It’s detrimental for families who can’t pay it back, and 40 percent default,” she said.\u003c/p>\n\u003cp>The Center for Responsible Lending this year sponsored the Kalra bill, which unsuccessfully aimed to cap interest rates at 36 percent for installment loans between $2,500 and $5,000. It recently died on the Assembly floor.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
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"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
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"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
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"tagline": "Politics from a personal perspective",
"info": "Political Breakdown is a new series that explores the political intersection of California and the nation. Each week hosts Scott Shafer and Marisa Lagos are joined with a new special guest to unpack politics -- with personality — and offer an insider’s glimpse at how politics happens.",
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"pri-the-world": {
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"info": "Each weekday, host Marco Werman and his team of producers bring you the world's most interesting stories in an hour of radio that reminds us just how small our planet really is.",
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"radiolab": {
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"info": "A two-time Peabody Award-winner, Radiolab is an investigation told through sounds and stories, and centered around one big idea. In the Radiolab world, information sounds like music and science and culture collide. Hosted by Jad Abumrad and Robert Krulwich, the show is designed for listeners who demand skepticism, but appreciate wonder. WNYC Studios is the producer of other leading podcasts including Freakonomics Radio, Death, Sex & Money, On the Media and many more.",
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"reveal": {
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"title": "Reveal",
"info": "Created by The Center for Investigative Reporting and PRX, Reveal is public radios first one-hour weekly radio show and podcast dedicated to investigative reporting. Credible, fact based and without a partisan agenda, Reveal combines the power and artistry of driveway moment storytelling with data-rich reporting on critically important issues. The result is stories that inform and inspire, arming our listeners with information to right injustices, hold the powerful accountable and improve lives.Reveal is hosted by Al Letson and showcases the award-winning work of CIR and newsrooms large and small across the nation. In a radio and podcast market crowded with choices, Reveal focuses on important and often surprising stories that illuminate the world for our listeners.",
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"officialWebsiteLink": "https://www.revealnews.org/episodes/",
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},
"rightnowish": {
"id": "rightnowish",
"title": "Rightnowish",
"tagline": "Art is where you find it",
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},
"authModal": {
"isOpen": false,
"view": "LANDING_VIEW"
},
"error": null
},
"youthMediaReducer": {},
"checkPleaseReducer": {
"filterData": {
"region": {
"key": "Restaurant Region",
"filters": [
"Any Region"
]
},
"cuisine": {
"key": "Restaurant Cuisine",
"filters": [
"Any Cuisine"
]
}
},
"restaurantDataById": {},
"restaurantIdsSorted": [],
"error": null
},
"userAgentReducer": {
"userAgent": "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)",
"isBot": true
}
}
