It’s National Library Week, so I’ve been thinking a lot about knowledge and the idea that knowledge should be readily available – for all. An informed populace is crucial to the health of the nation and a bulwark of democracy. The ability to think, to reason, to avoid being fooled, all these notions are tied to reading and easy access to the wisdom of the ages.
And this is exactly why libraries – and their contents – are under siege these days.
HuffPost’s Jennifer Bendery recently told readers:
“Librarians are living in constant fear. They have become the targets
of Republican politicians and far-right groups like Moms for Liberty
Liberty that are hellbent on burning books about LGBTQ+ people,
people of color and racism. Some librarians are quitting their jobs
because of constant harassment; others are getting fired for
refusing to clear shelves of books that conservatives don’t like.”
If that’s not bad enough – and it is – Bendery informs us there’s another evil twist in the tale: “The GOP’s censorship campaign has shifted from book bans to legislation threatening librarians with jail time.” Idaho’s tried several times to enact such legislation; this February, West Virginia passed a bill “making librarians criminally liable if a minor comes across content that some might consider obscene.” Idaho, Iowa, Alabama, and Georgia are also considering various means of keeping books they don’t like off the shelves...and they’re not alone.
The American Library Association’s Office for Intellectual Freedom shared some frightening statistics: “The number of titles targeted for censorship at public libraries increased by 92% over the previous year, accounting for about 46% of all book challenges in 2023; school libraries saw an 11% increase over 2022 numbers.”
Given these ever-more-frequent, ever-more-strident attacks, what can a concerned reader do to stem the tide of book-banning?
PEN America, an organization whose mission “is to unite writers and their allies to celebrate creative expression and defend the liberties that make it possible,” offers a number of ways to make one’s voice heard. Whether you’re a student, a parent, an author, or a librarian, PEN America provides advice, assistance, and resources to keep you informed and ready to push back.
The need to support the nation’s libraries is more urgent than ever. In Bendery’s HuffPost piece, American Library Association President Emily Drabinski draws a chilling conclusion: “What gets lost in conversations about book banning is that it’s really about eliminating the institution of the library, period. It’s not about the books. Well, it is about the books, but the books are the way in to gut one of the last public institutions that serves everyone.”
“You don't have to burn books to destroy a culture,” Ray Bradbury once said. “Just get people to stop reading them.”
Bradbury was one of the 20th century’s finest fabulists, the author of The Martian Chronicles, Something Wicked This Way Comes, and the worldwide blockbuster Fahrenheit 451. Published in 1952, the novel Fahrenheit 451 is set in a future where books are illegal and firemen don’t put out fires – they start them. Printed matter is what they burn.
Bradbury was writing in the tense, paranoid early years of the McCarthy era. But he might as well have penned those words last Thursday.
Support your local library. Speak up for the voices the hate-mongers would shut down. Before – as history’s proven again and again – they try to shut down yours.
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Students fight a book ban by giving away free banned bookswww.youtube.com
The New York Public Library has also weighed in on the matter, you can find its suggestions here.
A brief history of American credit unions and banks
Do you understand the difference between a credit union and a bank?
Big banks and social responsibility don't typically go hand-in-hand, but there is a bedrock financial institution that was formed wholly out of a noble ethos. The brutal winter of 1846-47 led to widespread famine, so Friedrich Raiffeisen, a rural German mayor, set up a system in which wealthier citizens put cash into a fund used to buy grain to be loaned to those suffering from the famine. This, in turn, led to a community bakery. The "bread society" project worked. When the famine ended, the less fortunate paid back the benefators in cash. Raiffeisen would expand on his largesse with an "aid society" that provided low-interest loans to farmers to get around the common usurary practices, and set up a charity for abandoned children. Eventually, in 1864, Raiffeisen established the first rural cooperative lending institution, in effect, creating the first credit union.
Credit unions wouldn't come to the United States until 1909. That year, the first one opened in New Hampshire, and the first comprehensive credit union law passed in Massachusetts with help from Edward Filene of department store fame. It served as the model for the FCU Act, which was signed by Franklin Roosevelt in 1934, authorizing federally chartered credit unions in all the states.Coming in the middle of the Great Depression, the FCU Act gave Americans the chance to join member-driven co-operative non-profit financial institutions like the "bread society" of yore.
"The membership orientation of credit unions is designed to serve the consumer, particularly those of more modern means, through the affiliation with a group," says Greg McBride, chief financial analyst at Bankrate.com. "Today, credit unions and banks have more similarities than differences, although they're generally much smaller and some may have a single branch."
The primary drawback to credit unions is one of size. They don't have branches on every corner and they not offer the 24/7 service of our banking overlords. Credit unions also don't tend to have the full menu of services as the giants, like say wealth management or some small business loans. It varies, of course. The larger credit unions, like top gun 7-million-member $90-billion-in-assets strong Navy Federal Credit Union offers business loans, but most have much smaller holdings.
For the Monopoly Man, size matters. Who else is going to back another major development on Marvin Gardens? Let the monocled oligarch have Wells Fargo. One important facet of credit unions is that they're not Wells Fargo, there's no incentive to conjure 3.5-million fake accounts out of thin air.
"They have the same regulatory rules as banks, but the not-for-profit status shields credit unions from some of the more nefarious practices of their counterparts," says McBride.
Credit unions got a big boost following the 2008 financial crisis and the Occupy Wall Street movement that grew out of it. In 2011, a California woman tired of her high uber-bank fees started a social media event page calling for a "Bank Transfer Day" where money would be moved to credit unions. According to Bill Cheney, CEO of the Credit Union National Association, it worked. Credit unions added a net of some 2.2-million members between June 2011-2012, double the average over the previous ten years. As recently as the second quarter of 2017 saw credit union growth across the country in nearly every category, according to the National Credit Union Administration. There's now 102-million credit union users in the United States, so the big banks have taken notice. Just last week, members of state banking associations called on Senate Finance Chairman Orrin Hatch to tax the larger - yet still non-profit like so many mega-churches-credit unions.
Banking, however, is not an altruistic endeavor. There are still reasons to go with credit unions, such as:
Better terms
One of the most attractive aspects to credit unions is the money saved. Consumers can get better rates on deposits and loans, lower or at least reduced fees, and the balance requirements are much more user-friendly.
Democratic decision-making
One credit union member, one ballot. Board seats and official positions are voted on by the membership. Non-profit means credit unions are beholden to the community within, not shareholders.
Low barrier to entry
If someone meets the membership requirements - be it geographical, organizational, social, or even philanthropic (Alliant Credit Union is open to anyone who makes a $10 charitable donation to Foster Care to Success) - membership fees are reasonable and don't require a crazy level of assets at all times. Many credit unions are specifically designed to help customers get a foothold in the American baking system. A great example is California's Golden 1 Credit Union, which offers a free account to students ages 16 and 17, so long as they maintain a B average or higher.
Credit unions are an unsung piece of the American financial structure, but they can work for you, even if you're generally happy and at a large bank (that probably has ridiculously punitive overdraft fees.) Keep in mind, it's not an all-or-nothing proposition. You can do a piece of your overall banking at a credit union. Greg McBride says too many consumers sign up with a single bank and miss out on opportunities to save money by diversifying. He advocates the same approach Smokey Robinson's mother did for dating.
"It's prudent to include credit unions to look for the best deal," he says. "Consumers should always shop around."
You can start right here