Payday loans carry a 396% APR — 16× a credit card. The industry drains $9 billion a year from borrowers. Charts, data, and real alternatives including credit union PALs and CDFIs.
Category: Community
Scam Alert + Two-Week News Recap: How to Protect Yourself and What You Missed (June 2026)
Americans lost $3.5B to imposter scams in 2025. The scams hitting hardest right now, how to protect yourself, a recap of the past two weeks’ biggest stories for our community, and concrete action steps. APA7 sources.
Is a “Race War” Coming? What Accelerationism Is, Why White Supremacists Want One, and How Communities Refuse the Bait
A small, violent fringe is openly trying to provoke a ‘race war.’ An educational, defensive analysis of accelerationism — what it is, why white-supremacist groups want one, what federal threat data shows, and how communities refuse the bait. APA7 sources.
A Box of Diapers and a Dead Toddler: The Police Killing of Kohen Wiley in Senatobia — and How to Protect Your Family
A police officer responding to a shoplifting call killed 1-year-old Kohen Wiley in a Senatobia, MS Walmart parking lot. What happened, the community response, the wider pattern, and proactive, lawful steps families can take. APA7 sources.
Storms Are Coming to the South: Your Hurricane Prep Plan and Complete Storm Grocery List (2026)
Tropical Storm Arthur just opened the 2026 Atlantic hurricane season with a Gulf Coast flooding threat. Here is a step-by-step plan to prepare for the next storm plus a complete storm grocery and supply shopping list. APA7 sources.
By the Numbers: The Black Male Mental Health Crisis, Social Media’s Role, and the Evidence for Hope
A data companion to the Kemetic Minds thread on Black male depression. Black men ages 20–24 now die by suicide at 31.9 per 100,000 — surpassing the white male national average for the first time. Three charts, ten APA7 citations, and the evidence behind the solutions.