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This link recently saved by racialicious on February 23, 2011
"Even as more customers turn to online banking, said Kathleen Engel, a law professor at Suffolk University in Boston, the presence of brick-and-mortar branches encourages 'a culture of savings,' beginning with passbook accounts for children and visits to the local bank. 'If we lose branch banking in low- and moderate-income neighborhoods, banks stop being central to the culture in those communities,' said Ms. Engel, author of a new book, 'The Subprime Virus: Reckless Credit, Regulatory Failure and Next Steps.'”
This link recently saved by racialicious on March 23, 2010
"Black women suffer the most from being locked out-of their apartments. According to a recent Milwaukee study, in every one in every 20 renters are evicted each year. But in neighborhoods where most residents are Black, the numbers change significantly. One in every 10 renters is evicted every year, and those evicted are usually Black women, 40% are Black single mothers. This has been referred to as the “feminine equivalent to incarceration.” While much focus has been paid to foreclosures and its devastating effects in recent years, eviction can have just as crippling an impact to one’s life as well. Not only does eviction go on your credit report and lowers your FICO score, but it will make it harder for you to find another apartment, as most landlords won’t rent to you. Higher rental rates, security deposits and penalty fees are to be expected too."