First Mortgage: Carole and I met with a mortgage banker and provided all of the documentation requested. We took the next step of ordering an appraisal of the property. By considering comparable prices in the neighborhood, the appraiser provided documentation valuing our property at $454,000. To avoid additional charges for mortgage insurance, we agreed to […]
238: Financial Stability After Prison, Episode 20
Building Financial Stability After Prison: When I concluded my obligation to the Bureau of Prisons in August of 2013, I set new goals with Carole. We were 49 years old and making progress, but we would have to cover a lot of ground to prepare for a stable future. Although I felt passionately about working […]
237: Finding Markets After Prison, Episode 19
7. Finding Markets: Like anyone starting a new venture, Justin and I had to overcome many hurdles as we tried to introduce our products into the marketplace. Philanthropic organizations provided us with funding to get started, but we still needed to create a sustainable business model. That meant we needed to find markets. The markets […]
236: Programs For Prisoners, Episode 18
Straight-A Guide Programs For Prisoners: During my imprisonment, we developed the literature for this program. It all began under the theory that people in prison would be more receptive to learning from individuals who had transformed their lives while they experienced the prison system. Prisoners sometimes rejected a message when that message came from people […]
235: Funding After Prison, Episode 17
Teaching at SFSU: I designed the third class to teach students about evolutions that occurred in criminal justice during the 18th century. Scholars referred to that era as The Enlightenment, a time when people had more hope. Two philosophers, Thomas Hobbes and John Locke, presented different theories on human behavior. According to Thomas Hobbes’ view, […]
233: Technology After Prison, Episode 15
Positive Connections: Through Justin I met Scott Budnick. Through Scott Budnick, I met Chris Redlitz. And through Chris Redlitz, I met Tulio Cardozo. Tulio was one of the first graduates from The Last Mile. As I had done, Tulio made some bad decisions as a young man, becoming involved with drugs. While incarcerated, however, Tulio […]
232: Support Networks After Prison: Episode 14
5. Support Networks Accelerate Growth Opportunities Earlier, I wrote about rules in the halfway house that required me to have a job. So long as I had a job that paid a steady paycheck, my case manager in the halfway house authorized me to leave. My friend Lee was more like a sponsor for me […]
230: Buying Real Estate After Prison: Episode 12
4. Real Estate Purchase When I returned to society, in August of 2012, our nation was starting to emerge from the worst recession in our lifetime. In 2008 the stock market and the real estate market began to implode. Credit dried up. Housing prices fell to historic lows. By the fall of 2012, however, the […]
229: Building Credit After Prison, Episode 11
Establishing Credit: With a driver’s license, a job, and a paycheck, I had to begin building a banking relationship. After I received my first paycheck, I went to Bank of America and opened an account. Charles had told me that I could not apply for credit until after I completed my obligation to the Bureau […]
227: Prison to Society, Episode 9
Prison to Society That initial meeting with my case manager, Charles, went well. Why? The roots for that successful meeting extended way back to the 1980s, when I was still locked inside of the Pierce County Jail. Recap? While in my cell I read about Socrates. From his story, I learned the importance of living […]