Herman Blake grew up with his mother and six siblings just outside New York City. It was the early 1940s and the family was poor. This shaped their outlook on life.
"When I was growing up the great emphasis was on being able to get a job because we were on welfare, and it was so humiliating," Herman tells his brother Sidney, who is an Episcopal deacon, during a visit to StoryCorps in New York.
One of the Blake brothers, Henry, who wanted the family to stop depending on welfare, decided to drop out of school so he could help take care of their mother.
Jeffrey Bronfman, UDV church national vice president; Solar Law, UDV church national president; and Tai Bixby, head pastor of the Santa Fe congregation. Churchgoers participate in a ceremony where hallucinogenic <em>huasca</em> tea is consumed, and some neighbors are trying to block the construction of a UDV temple.
A small church in Santa Fe, N.M., has grown up around a unique sacrament. Twice a month, the congregation meets in a ritualized setting to drink Brazilian huasca tea, which has psychoactive properties said to produce a trance-like state.
The Supreme Court confirmed the UDV church's right to exist in 2006. The church doesn't seek new members and prefers to keep a low profile. It did, however, agree for the first time to open up to a journalist.
Consumer advocates call them "debt" traps. The banks that offer them call them direct-deposit advances and describe them as available funds for short-term emergencies.
But the cash advances have many of the negative characteristics of payday loans. And on Thursday, U.S. bank regulators took a step toward protecting consumers from the risks they pose. The regulators proposed standards for "deposit-advance products."