Saturday, September 24, 2011

I Got it So Good - Gospel Music in New York

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Summer’s come and gone and with it outdoor concerts in the city.

Summerstage in Central Park and Celebrate Brooklyn in Prospect Park are the season’s marquee events.

Less well known is the Martin Luther King Concert Series, held on Monday nights every summer for the last 30 years at Wingate Field in Brooklyn, near the end of the 2 train in Flatbush.

Though these concerts are the product of the same city government, they take place in almost an alternate reality.

I heard about them in an unlikely way. Before budget cuts, the New York Philharmonic performed one night every July in Prospect Park. Like any event in Brooklyn with more than 50 people in attendance, Brooklyn Borough President, Marty Markowitz appeared on stage, sounding off one-liners in his Sheepshead Bay accent.

“Last night’s concert in Central Park was a warm up for tonight’s show in Brooklyn.”

Markowitz went on to mention the various musical events taking place throughout the borough. The Celebrate Brooklyn concerts at the Prospect Park Bandshell gravitate towards indie rock and world music for the soy milk drinking set; the Coney Island dates showcase Doo Wop and vocal harmony groups of bygone Brooklyn; and the Martin Luther King Concert Series.

I dig Doo Wop, but the MLK concerts are what caught my attention. When I saw the annual gospel night in the lineup on the ‘90’s-vintage website, I was there.

On a Monday night.

The concert is a simple production, nothing more than a stage set on the infield of an outdoor track. The only items for sale are sold at neighborhood houses on Winthrop Street on the way to the subway; bootleg gospel compilations, bottled water, Jamaican patties.

Long lines are common; a maze of barricades snakes back and forth like an airport check-in on Thanksgiving eve, as everyone gets patted down prior to entry. At a gospel concert this is an extreme measure, but the routine here whatever the crowd.

I slip in 10 minutes after the music has started but well after the lines are gone. I hover near the back; I never really know what to do with myself when I attend concerts alone. Many of my musical tastes, like my personality is enjoyed by just a few, so I often see music solo.

I trickle in back, and position myself next to a guy in dreadlocks who has a spot staked out next to a garbage can.

I stand with my arms crossed, nodding my head to the music.


Though Rock & Roll originated from country music and gospel influenced rhythm & blues, there are few remnants of either style in rock today.

Gospel music has its own festivals, Billboard chart, and Grammy category, but has limited crossover appeal, and with the added specter of religion, gospel music is on the fringe of the mainstream music world.

For the early generation of Rock stars though, the church was their farm team.

Tonight’s opening act, Ricky Dillard, hails from Chicago. He began directing the youth choir at his church at the age of five and now leads a group that blends dance music with a choral delivery.

The headliners, Mary Mary, are two sisters from Los Angeles. Their parents were gospel singers and they followed, breaking into the music business as R&B backup singers, and then recording their own material. They’re said to be one of the top gospel acts going.

Spotify lists Jennifer Hudson, En Vogue, and Carrie Underwood as similar artists. With equal parts autotune, scratching, vocal duets, and Jesus name checks, this seems fitting.

Recently an article appeared in the New York Times about a preacher who promotes the gospel of wealth in his sermons throughout the country. The article profiled a man in Norfolk, Virginia who is once big in real estate and then crashes with the rest of the economy. He gives the last of his money, a $60 offering, to the preacher, a man who flaunts a lavish life of furs, private planes, and a 20,000 sq. foot house.

The man described the moment he let the envelope go as ‘an explosion,’ when all the guilt and shame he had been carrying melted away. He vowed to stay debt-free and ‘to owe no man nothing but love.’

$60 was all he had to his name.

My first reaction: you stupid idiot. This too was the tone of the article that asked the educated reader to mock the stupidity of the gullible masses.

Then, I came to another conclusion.

What does a $60 offering buy you in drinks from a bar tender? How many minutes on a shrink’s sofa do you get for $60? Do patients feel an explosion leaving a psychiatrists office? A bar?

Gospel music makes moments like these happen; and tonight’s show is free. No donations accepted.

Though I don’t often listen to lyrics, gospel is the exception. The message often preaches happiness in being grateful for what you’ve got.

A favorite from the Jackson Southernaires: “I once complained that I had no shoes, then I met a man who had no feet to use.”

Though I am the only person of my color in sight, gospel concerts always make me feel welcomed. The performers are fond of asking you to turn to your neighbor, grab their hand, and make declarations. During Ricky Dillard’s set it is: “I got it so good.”

The girl standing next to me takes my hand and starts it off. I repeat the proclamation. “I got it so good.”

She’s a small-featured college-aged girl with short hair, and she holds my hand with conviction now as the tempo accelerates to a rave up. Her friend takes my other hand; one on each side of me, and we twirl around as a unit. Then, the leader takes over and it is just the two of us spinning around and around, faster and faster, getting more manic with the music.

For that brief minute, we are the spectacle of the show.

I would like to think I held my rhythm until the music ends and I am full of dizzy energy. I must do all right though because I get a high-five from the dreadlock dude by the garbage can.

When the song ends and Rick Dillard signs off the stage, I stop to catch my breath and find out more about the girl who takes me for a spin.

Ingrid is from Grenada as is her friend Tammi. She asks me where I go to church, and invites me to the New Directions Church on 94th and Winthrop where she attends. Services are held on Saturdays as is the tradition for Seventh Day Adventists. The pastor is Jamaican and real friendly, she says. I inquire about the congregation—they are mostly from the Islands too.

The program is the same every year I’ve attended. After the first group get off the stage the break between performers is filled with various announcements and advertisements, with Marty Markowitz as MC.

This year, the Honorary Vice General of Austria makes an appearance to promote his country; the City Council member representing the district plays to the crowd with religious references in his political appeal to the audience.

Markowitz then introduces Zane Tankel, the short, bald owner of the many Applebee’s franchises in New York City and the yearly sponsor of the concert series. In his nasally senior citizen delivery he appears more out of place then even me, but he is clearly right at home in this crowd.

Behind Zane stands of chorus line of waitresses outfitted in tank tops and hot shorts like Hooters Girls. Each takes a turn at the mike to sound off their specials.

Toya from the downtown Brooklyn location offers curbside delivery right to your car.

Tiana from the Bed–Stuy branch tells us the special on Saturday is sangria for the ladies. For the fellas, she says, there’s Henessey.

As we wait for Mary Mary the Applebee’s girls are a good diversion and a yearly highlight for me.

Unfortunately, we don’t get to do much dancing that night. Rain is threatening all evening and with the first few drops Markowitz cancels the concert, apologizing profusely for having to call it a night.

As everyone heads to the exit a middle-aged woman in the crowd mentions Curtis Mayfield to no one in particular. Mayfield was paralyzed here in 1990 after lighting equipment fell on him during a windstorm.

And then I met a man who had no feet to use.

I got it so good.

Amen.

Monday, January 17, 2011

A New Coat of Paint

The A train to Queens. The car I’m riding consists of tourists headed to JFK, surfers with their boards enclosed in carrying cases headed to Rockaway Beach to catch the swells from the latest tropical storm, and black folks headed to areas of Brooklyn left blank on the tourist’s guide book maps.


This trip is an epilogue. After four generations of New Yorkers, I am the last of my clan living in the City. The house I’m headed to in South Ozone Park was once the home of my grandmother, grandfather, great aunt, and great uncle.


One by one, they have all moved to the hereafter. And now the family is selling the house. Before it’s market-ready, we have to clean it out, paint the walls, and sand the floors. Erasing history so a new one can be made.



If you’ve been to New York, you’ve been to South Ozone Park, Queens. The neighborhood’s most defining feature is the planes flying overhead to JFK located next door.


These are the rows of non-descript houses you see in their miniature size on takeoffs and landings. My family has lived here from the glam of Pan Am to the delays of Jet Blue.


Planes never fly over the iconic landmarks of a city; it’s always the outer edges, where the cookie cutters seem to go to work.


Life is never so simple. Let’s zoom in to see what lies within.


The yards are enclosed with gates of ornamental ironwork welded into white sunrays. Steel awnings cover the doorways and windows; hyphenated Queens addresses like 118-07 post to door frames in scriptive black lettering. The lawns are clipped in short tufts spiked over the gray sidewalk.


A plane rumbles overhead, casting a shadow on the street. Inside the neighborhood’s living rooms, tv remotes raise the volume, green bars build on the bottom of the screen.


The house is located on 150th Avenue, two places from the trainer’s entrance to Aqueduct Racetrack, which now sees more traffic from the weekend flea market than from racing. The two-story, two-family house has one car in the two-car garage behind it, and a hot dog truck-sized lawn in front.


It’s the place of childhood vacation breaks where I would spend a week at a time with my grandparents and shuttle between the upstairs where they lived and downstairs where my aunt and uncle lived.


John Gotti’s annual 4th of July fireworks display was a highlight of these summer holidays. His Bergin Hunt and Fish Social Club era has given way to a largely Indian population and complaining funeral directors who lose business from cultures with different death traditions.


My Uncle Eddie died at home in April. The family assembled the day before he passed from all points in the metro area, Connecticut, Long Island, Westchester, and the City. We held the traditional wake and then a military salute at the cemetery.


He was a flight engineer and tail-gunner who flew dozens of missions over Europe in World War II. When he returned, he turned to photography for a living.


Uncle Eddie (until I was a teenager I thought his first name was Leddie) lived with my Aunt Helen who we called Chocha: Polish for aunt. They were brother and sister, not husband and wife. I was a teenager before I figured this out too. My grandmother and grandfather were in fact married.


After every visit to Queens to see the family my grandfather gave my mom containers of Polish food he had prepared, and toilet paper because he thought we used too much.


We used all the toilet paper, but never ate the food. I don’t know why. It went from car to freezer and stayed there. Most of the family freezer growing up was overtaken by my grandfather’s food, frozen in perpetuity. It left little room for ice cream, but preserved a lot of memories.


The food sat in the fridge for 15 years until the unit died while my parents were away. My brother lived at home; I was in to visit. In the kitchen I found a jumbo beach cooler keeping the frozen food on life support like it contained a recently harvested kidney.


It didn’t make it to the new donor fridge.



The wall calendar says December 1993. It is September 2010. The upstairs apartment has sat vacant since my grandfather died. My aunt and uncle never rented it out, forgoing the fifteen hundred a month rent for piece of mind.


There are five of us painting: my father, my brother Gregg, Sammy, Antonio, and me.


Sammy lives next door where he grew up. He doesn’t say much, he spends most of the day painting in the bathroom. We occasionally call him out to translate for Antonio, a day laborer from Ecuador we hire from outside Home Depot to help us with the job.


My Dad doesn’t speak any Spanish. I even have trouble understanding him as he alternates ideas from spackling this, to cutting that, to rolling, ceilings, trim, closets, walls. I pick a room and just get to work.


Antonio paints the ceilings. He calls my dad, Poppy. Poppy plays foreman like the old days when he ran a carpentry crew summers when school was out. Now that he’s retired this keeps him busy.


My father points with the paintbrush. “Uno coats. Dos coats of paint.” My brother’s Spanish doesn’t include the construction category. (I later learn coat of paint in Spanish is “capa de pintura.”) I know a little Italian and try to converse in Spitaliano.


I mix the milkshake thick paint and dish it out like porridge at a prison cafeteria. We order it in buckets and slurp through three of them.


Lunch day one is turkey sandwiches; the second day pizza. We sit at the kitchen table, the last piece of furniture left. It’s pretty civilized for a work crew. It’s usually a bucket for a seat; a meatball sandwich perched on your lap and a bottle of Snapple sitting in the sawdust at your feet.


With this arrangement I can lay The Post out on the table. Antonio eats two slices. My Dad, in the spirit of someone trying to fatten up a too thin kid, forces a third slice on him.


I fold my pizza slice in half, lengthwise. I remember eating pizza in Scotland with some friends from there who made fun of me because of how I folded my pizza. What do they know about pizza in Scotland?


Antonio folds his pizza horizontally, and then again into fourths. It looks like a burrito. He turns it on its side and begins eating the tube from one end to the other. It looks so foreign it probably tastes different. He is anxious to get back to work, but he eats.


I spent a few weeks one summer during graduate school on a carpentry crew framing a house. Though I became handy with the nail gun, my main duties were as a laborer, hauling sheets of plywood.


One Wednesday afternoon, the boss told me he didn’t need me again until Friday. I used Thursday to find a job that promised steadier work and air conditioning.


When I returned on Friday I learned they needed my help the day
before and had to hire a day laborer in my place. The temperatures approached 100 degrees everyday that week; I worked right through it. The guy they hired in my absence worked a few hours in the morning, said “nessecita aqua” and left to find some.


He never came back.


It was a major point of pride that I handled the work that a day laborer could not. To me, immigrant labor is some of the most hardworking and honest of all.


And beer thirty translates to any language.



The mission today is just to make it look nice for prospective buyers. 90% is sufficient. We are wiping away history, leaving only white walls and wooden floors. The next family needs to envision the house as their own if they are going invest their stake.


Prior to our painting, the walls from the kitchen to the living room were trailed with a smudge of handprints from years of my aunt holding onto the walls as she hobbled on countless back and forth trips.


Antonio doesn’t quite grasp our purpose; he mistakes my shortcuts for an amateur outing and decides I need a quick lesson. I once worked an entire summer painting houses, though mostly exterior. As much as I know what I’m doing, maybe I lack a certain finesse needed for indoor work.


Though the job isn’t a 100% effort we try to make it look nice. The walls are painted linen white, the ceiling an eggshell white, and a third shade of white for the trim.


We move room to room, memory to memory. Paint moves from big bucket to little bucket, into trays, onto rollers and pressed onto the walls and ceilings, corners cut with brushes. First coat, second coat, touch up. First floor, second floor, basement.


The basement was my uncle’s territory, marked by a tv for football games and a darkroom with enough chemicals to refine crude oil into vinyl.


Weddings were his livelihood; bar mitzvah's, school pictures, and family photos filled his schedule. I accompanied him to an event at an elementary school that called for group photos. He mustered the patience and made it happen with the help of an oblong piece of sanded wood the size of a roll of dimes.


He placed the piece of wood on his head and let it drop off. A quick save for a flourish broke the ice and brought out their smiles. He repeated the procedure until he got his photo.


His territory was Queens and in essence the world. His collection of Yarmulkes could outfit an entire yeshiva, hundreds of prints of Hindu brides in yellow and red, the Italians, the Irish; the crack dealer who paid him $500 dollars in $5 bills.


I’m wedged in a corner painting the shelf where among other items my uncle stored a six-pack of Schlitz he used as hairspray to manage the perfect mane of grey hair that persisted until his last day.


Furniture is easy to cart away (beer even easier). It’s the boxes of little stuff left behind that forces us to sift through the accumulation of life. In the darkroom I find a can of Counter Assault Grizzly Tough Pepper Spray, Un-Du Quick and Easy Adhesive Remover, Dymo Laboratory Label Maker, a box of Swingline Staples, and enough fishing lures to extract every large mouth bass in a 50 miles radius.


We’re all going to go at some point. In Somalia, imported used clothing is called huudhaydh – translation: ''Who died?”


Our things may outlast us. What you leave behind are the pages to the story of your life.


Money doesn’t make the object or the memories. Most high-priced items have less utility than a Phillips-head screwdriver: clothing depreciates like ripe bananas. In five years the computer I’m writing on will be less valuable than the boots I’m wearing.


It’s the good stuff that lasts. Timeless they-don’t-make-em-like-they-used-to items of weight and importance, some worthy of heirloom status.


Furniture fits that bill, musical instruments, artwork. Fishing poles are a less likely contender. My uncle had a half-dozen rods that I distributed amongst my brother, my cousins, and myself; allowing each of us to have an item and a piece of memory, provided we don’t drop it in the drink.


As I look around my apartment at my possessions, I ask myself what will survive me?


What’s left over after we are laid to rest? Hopefully some symbols of your legacy, and more importantly a family that remembers. And if you’ve created something, that may last the longest. The black and white's were taken by my uncle in New York City in the 1940's and 50's.


You can’t see the story from an airplane. Up close, a house is a generational epic, one whose walls are now painted for the next family to hang their memories.











Monday, September 13, 2010

Five Years After the Storm: A Celebration of the Crescent City

This story was written in the Fall of 2005 in response to Hurricane Katrina. Five years on, I'm posting it here as a tribute to the city and the friends I made there.

Darrell Breen was born and raised in the same New Orleans neighborhood where I lived in the spring of 2000. When Darrell grew up there, the neighborhood was known as the Irish Channel. He summed up his life to me with a memory of sitting on his grandfather’s lap as a boy of five. “Half Irish,” his grandfather says looking at him. He bounces Darrell to the other knee. “Half Italian,” he says shaking his head at Darrell. “Lad, yer fucked.”

Italians and Irish have been marrying for generations in America, the Italian women assuming the easy Irish surnames and keeping their Catholic faith. In the neighborhoods of New Orleans in the 1960’s it was not so easy for the offspring of these marriages.

When I met Darrell in New Orleans, he was 43 years old. He looked and spoke like he was from a Springsteen song; a Louisiana man drawling New Awe-lee-ins through rotting teeth. He had a thin frame, thin arms, a scruff of beard that wouldn’t grow, and a woman’s hair band tied around a ponytail that slithered from the back of his head like an eel.

Darrell’s family, on his mother’s side, dropped off the lemon boat from Sicily. After a century in America, Darrell lived a half-mile from the port where both sides of his family first arrived. He was one of the few remaining folk of Irish ancestry in the channel. Like much of New Orleans, white flight to the suburbs in the 1960’s changed the neighborhood demographic.

The St. Thomas Projects, a low-rise housing project with sprawling dirt courtyards, dominated the character of the neighborhood for decades. When I moved in, the area had recently begun to swing towards gentrification. The realtors christened it the Lower Garden District. Darrell mentioned with pride how the neighborhood was rated one of the hippest in America by The Utne Reader—a magazine that could not be bought off the rack anywhere in the neighborhood.

Darrell’s people returned from the suburbs for the annual St. Patrick’s Day parade, held in traditional New Orleans style. They loaded floats right below my balcony on Race Street. Hundreds of old-time red faced men hurled cabbages to the crowd lining the parade route up Magazine Street.

Darrell and I were not introduced. We met on the street, on the sidewalk of St. Andrews Street a few doors down from his house. He was kneeled over an iron gate, shaping it with a blow torch. I walked by in a saunter slow enough for me to stop in a neighborly greeting. Darrell took off his welder’s mask to talk. We chatted a few minutes, then I headed down the street to see a building with apartments for rent.


I walked into the dim lobby of the building, knocked on the first door on the right and waited for the landlady and the sound of her walker to make their way to the door. When she finally appeared, she gave the standard summary of the rentals and closed the door. I left and continued my conversation with Darrell outside. He told me the place was a drug den, and the plague of the neighborhood.

Darrell opened his own business the month before called Steel Deals Iron Works. I figured he named it after the Rolling Stones album Steel Wheels, because that’s what he looked like, a cross between a car mechanic and a rock & roll roadie.

Darrell invited me to work for him the next day. I spent a third night in a hostel on the other side of St. Charles Street, unable to escape the travelers that alighted in New Orleans to continue their Lonely Planet treasure hunt. I shared a bunkroom with an Australian woman who gave massages on a cruise line, and an Australian bloke who was enlisted to carry her luggage since she just had a boob job and didn’t want to pop a stitch. The Australian guy had spent four days in New Orleans and left the next morning for Disney World. He said he’d seen all that he needed to see.

Like any city, New Orleans has a tourist checklist that starts from the time the shoes step off the St. Charles Trolley ready to stroll the French Quarter with a cup of beer in hand, cigar in mouth, and plastic beads around the neck in the August heat, tipping wrinkled jazz musicians to play ‘The Saints,’ again.

I stood to catch a transfer bus every morning on the cusp of all this, on a corner of Canal Street, a block from Harrah’s Casino and right in front of a tourist shop that played Zydeco music in an endless loop. Ascending grades of hot sauce tempted in the window, the grand finale had a cadaverous name, something like Billy’s Body Bag Hot Sauce.

I stepped aside as the ladies arrived off the Desire bus from the Ninth Ward to their jobs cleaning rooms in the downtown hotels. From here, my bus swung past Jackson Square, then up Elysian Fields Avenue to the University of New Orleans in the Lakefront neighborhood. Two buses, one transfer, 90 minutes each way to class.

Before classes began, I worked three days for Darrell painting a primer coat on the raw metal he welded into a hurdle-high fence enclosing a front yard the size of two parked cars. I wore the oldest clothes I could find in my suit case. Darrell wore stained jeans that tapered over his work boots and a black t-shirt.

These were the only clothes I ever saw him wear. He had few possessions, didn’t smoke, and was a light drinker. He didn’t try marijuana until well after he apprenticed on the needle. He was self-described white trash, an item he offered as a disclaimer for his use of the word nigger to describe what he called trash of a different color.

This was the life story that he began that first day. Looking back, I realize I was paid for my labor and for listening, though I was a know-it-all college kid whose opinions outweighed his experiences by 10-1. Darrell spent the day convincing me that Cajuns are as likely to live in New Orleans as New Mexico and that there isn’t a basement in the whole city.

At day’s end, he paid my wages from an ATM and we walked back to his apartment. Darrell lived in a 1,000 square foot space for which he paid $375 in rent. A florist living downstairs decorated the balconies of the pink building with a flair that suggested a seductress with a Gone-with-the-Wind accent, but Darrell and the florist’s station wagon parked out front filled with black garbage bags shattered any fantasy.

Darrell’s home had the appeal of a priest’s apartment in the back of a church rectory. His possessions consisted of sparse furniture pointed at the tv, pots and pans, and a stereo a price tag away from a yard sale. He invited me to stay with him while I looked for a place, offering to drive me to the hostel and shuttle my stuff back. I agreed, but as we were ready to leave, he stopped to explain the full implications of his jail time. I stepped back and leaned over the couch listening.

If you are a convicted felon, at what point do you come clean with people about your past? Darrell decided protocol merited full disclosure with me as a potential house guest. After he left the service, Darrell got into a fight outside a New Orleans bar and killed a man with a pipe. He didn’t elaborate, but his gaze shifted as his memory recalled every frame.

Darrell was convicted of manslaughter and spent seven years at Angola State Prison in Baton Rouge—his father’s alma mater. His dad gained admission to Angola by robbing a liquor store when Darrell was a kid. Although clichĆ©, I figured it happened long ago, before all the melodies had been played out and all the stories had been told. Maybe robbing a liquor store was still a novel idea in 1960’s New Orleans.

I don’t remember if my thoughts scrolled through the mental rhetoric, like he paid his debt to society and such; I just went ahead with the plan. I figured Darrell was the kind of guy who would give me the shirt off his back—if it didn’t expose the track marks on his arms.

We drove across St. Charles Avenue to the hostel. My mother taught me to look both ways before crossing the street, Darrell taught me to look both ways before running a red, gunning his white Pontiac two-door through intersections. Darrell talked to the manager while I got my things. The manager, another New Orleans native, spoke with the accent movies make you believe is standard—a soft southern inflection with a drawl that melts butter. He absorbed Darrell like an adult handling a precocious kid.

I watched Darrell contain himself later that evening as he fielded a phone call from a woman who had seen his Steal Deals ad in The Times Picayune. He called her ma’am throughout the exchange as he computed a quote in his head and assured her of his professionalism. But it’s hard to have confidence in a contractor who would show up to a construction job in a car better suited for delivering pizzas.

With his father in prison, Darrell and his little sister were sent to live with an aunt and uncle in Florida. He wasn’t against physical punishment, but Darrell said that as an 11-year-old kid, he didn’t understand the difference between his father beating him in a drunken rage and his uncle hitting him for misbehaving. After a few months in Florida, Darrell pulled a knife on his uncle during an argument and was sent back to New Orleans to live with his alcoholic mother. His sister remained in Florida and, as an adult, lent Darrell money when he needed it.

After he left prison, Darrell spent 10 years traveling across the world installing gas station canopies from New Orleans to Norway. The money was good, and he met his wife along the way. They settled in Seattle, her hometown. For a time, they lived in happy stability. But he found the needle again and brought his wife into the game with him. A few years later, his wife died of a heart attack at the hands of heroin. Her family blamed Darrell for her death and he didn’t disagree. He knew he had to leave, and back to New Orleans he went.

I met the other woman in Darrell’s life two days after I moved in with him. I was helping
Darrell to install a chain link fence on a Habitat for Humanity house near the St. Thomas Projects. Darrell preempted my next line, sensing in the spirit of our banter I would say something I might later regret about the dirty haired bag lady hobbling up the street looking like she wanted to point her finger at someone. This was Darrell’s mother.

Darrell’s mother lived alone, the bottle kept her company through the years. I tried to extrapolate her age through her son while accounting for the ravages of her lifestyle. Given her occupation, she was pushing her luck every morning she woke up. She moved in with Darrell a few weeks later and soon after, Darrell returned to the needle.

After Darrell’s mother stopped by, we resumed work, trampling the freshly seeded grass at the Habitat work site while we set the fence and Darrell told Marine stories. I managed a few months as a cadet at the United States Military Academy at West Point. I left because I didn’t like authority.

The military functions as an escape hatch for many rural and inner-city Americans. Leave a 17-year-old kid to his ghetto neighborhood or crystal-meth cornfield and you can bet the percentages of him ending up dead, in a dead-end job, or in jail are higher than the chance of battlefield casualty. The military instills confidence, brings pensions, lifetime health care, and may be the only industry in America where race doesn’t factor, not with life on the line.

Out of high school, the Marines saved Darrell. He was honorably discharged into the civilian world, but his past caught up to him. His father’s rage surfaced that night outside the bar while he was drunk. It left a man dead.

Boot camp. Parris Island, South Carolina. A black recruit stands at attention for morning roll call with a wood the size of a night stick popping out of his boxers. The drill sergeant walks by and hangs a towel on the hard-on without missing a beat. He orders the private to hold the
towel.

The recruit struggles with the task while the rest of the barracks strain back laughter. This is how I remember Darrell, holding back a laugh like his face was compressed by a fierce wind. When I knew him best, he seemed happy, but it was a constrained happiness that spoke of his cloaked past and present troubles. When the towel dropped off the rod, the recruit took a beating from the sergeant.

I lost touch with Darrell as he settled back into his addiction, and I into an apartment a few blocks away on the river side of Magazine. Though the space was as big as the coffee shop around the corner, I spent most of my time on the balcony, blowing cigarette smoke into the overhanging magnolia tree. My rent was $450. Darrell gave me a plastic chair and table set for my porch. I didn’t see him much after I found my place, even though it was close enough that I could easily roll the plastic table down the sidewalk from his house to mine.

After I tired of the three hour daily bus trips to school, I began looking for a car. Darrell let me borrow his ride when I went to see used cars from the classifieds. I settled on a 1988 Chevy S-10 pickup I found in Jefferson Parish. The Louisiana sun turned the navy paint job purple in places. The emergency brake didn’t work, but there weren’t any hills to contend with.

It was a vehicle from an era that allowed car owners to do their own repairs. Two months later, I changed the radiator myself. I wonder what will happen to today’s aging cars that end up in the hands of the poor. The computerized engines won’t warm up to a monkey wrench.

My daily ride to the University of New Orleans took me on I-10, over the French Quarter, past a billboard for vodka that read: “Don’t you wish your commute was so smooth.” The exit ramp off I-10 drops you onto Elysian Fields Boulevard running north to Lake Pontchartrain and UNO’s campus.

UNO is a commuter school built 50 years ago on a former Naval air base. The trees perch on grass humps that allow the roots to grow over the tarmac underneath that was never stripped. The school is no different than any other suburban campus, save a few cultural subtleties like the bottles of Budweiser and fried okra for sale in the school cafeteria.

Tuition was $1,200 for the semester. I had a $1,000 scholarship and paid the difference with cash. I spent more on books, mostly on the anthropology class I took as an elective for an easy two hours of Kung! and Kalahari Bushmen.

During a discussion of sickle cell anemia and genetics, I raised my hand and made what must have been a smart comment because two guys sitting nearby approached me after class like I was a cute coed. The first guy introduced himself and suggested we go shooting, the second was Lester Moorehead.

Les has sandy blond hair that he wears in a part and pale skin that isn’t fond of the sun. He looks most like himself with Saturday stubbles sprinkled over his chin. Even at 25, crow’s feet fanned like the delta beside his eyes, signaling the life he lived beyond his years. His wardrobe consisted mostly of black jeans and size small soccer jerseys he collected while overseas in the service. He liked to mutter under his breath in class. My regular seat was two rows behind him and before we met, I decided I didn’t like him. Probably reminded me too much of myself.

Les was born at Charity Hospital in downtown New Orleans. Most of his classmates growing up were from the Iberville Projects, the brick housing complex north of Rampart Street that is the crown jewel of what remains of the project system—no doubt due to their proximity to the Quarter and I-10.

Public school children in New Orleans wear navy blue Dickies and white polo shirts. Spotting a white child in this uniform is rare as a sun shower in most neighborhoods. This was Les. Though he claims black ancestry, it reads like a stock quote: 1/16th. His two brothers went to college out of high school. With no money for the middle child, Les enlisted in the Navy.

The summer before we met, Les spent eight straight weeks on an oil rig in the Gulf of
Mexico out of Port Fourchon, Louisiana working with roughnecks who called Les “The Horse.” Most men work two weeks on—two weeks off. Les never took a day that whole summer, fearing he wouldn’t come back. He was paid $8 an hour, but racked up overtime pay working endless 16-hour days.

Les is a Democrat in the FDR tradition, a friend of working stiffs. He considered it a shame of his upbringing that he knew GM cars used two keys, one for the locks and a separate ignition key. My Chevy pickup was no exception.

We often rode home together after class. Always the same route; Elysian Fields, to Claiborne, to Washington Avenue, past the Magnolia Project and into the Garden District; but always a new set of landmarks to point out: “You can’t beat” Wagner’s Meat, the Spur gas station that always had the cheapest gas in the Parish like their pumps were on the mainline to the Gulf. The dental clinic on South Claiborne and 1st where you could get your grill slugged up with gold fillings. Les, like I, was fond of people and place watching, and observational generalizations. My favorite of his: the higher the ponytail, the dumber the girl.

Les has been called Doc since he was 18, when he joined the Navy as a medic caring for a floating city of men swelling with tension. Two out of the three women aboard his ship got pregnant during his first tour. A sailor was killed aboard the ship in the middle of the Pacific. The murder was never solved.

While a student at LSU in Baton Rogue, Les postponed his education to finish his reserve commitment with a six-month tour in Panama that he later regretted. He lost a soldier to a sniper wound deep in the jungle. The tour wiped out his debt to the military, and wiped him out in some ways. I don’t think Les was too affected by caring for casualties; I think he felt left behind, trying to catch up with his life in a city that didn’t take to progress.

After leaving Panama and the military, Les returned to New Orleans and enrolled at UNO, more bitter and a few more months behind on his plan. He worked evenings at an uptown hospital, drawing blood, and a stipend from the GI bill that carried him through college.

Classes didn’t seem to faze him; there are many pre-med casualties who can’t seem to make it past animal physiology. Though Les pulled an A in organic chemistry—the bellwether course—without a sweat, he approached his intelligence with self-deprecation.

Les is fast to agree, but at times easy to offend. Light a cigarette around him and you would be in better company smoking beside a propane tank. He can dismiss a subject with a sneer; he is fond of calling people jokers and would be the first person to throw a dirty look at someone yammering on a cell phone. He is fearless of reproach.

One story sums this up. Les took the Desire bus to visit a Navy buddy in the Ninth Ward. He was the only white person on board. He took a seat in the back. Four black men sitting across the aisle demanded that he move to the front. Les turned around, and said, “Make me.” He earned the respect of the group, and taunts toward the ringleader whose command went unheeded. Les had protection for these scenarios. He always carried a Bic pen, for phone numbers, and as a weapon that would fit nicely in someone’s neck.

Two years later Les finished at UNO and got accepted to medical school in Brooklyn. Though his younger and older brothers are both licensed vets, Les was the first person to graduate college in his family.

At Downstate Medical College in Brooklyn, he was one of two out-of state students in his class (the other was from Connecticut). Les has always wanted to be an internist. An internist in Scotland once jokingly described to me the universal difference between general practitioners and specialists. Specialists will diagnose an infliction consistent with their specialty. See a gastroenterologist for cramps and she’ll tell you it’s a stomach problem, for the same symptoms, a urologist will describe a bladder related diagnosis. An internist, the doctor said, won’t know anything.

During his medical school interview in New York, Les was the only interviewee not to
show up in a full suit; he wore slacks and a sport jacket. The interviewer, an Italian-American woman, asked him what specialty he hoped to practice. Les joked that he wanted to be a Mohel, doubtless a southern cracker had career intentions of performing circumcisions on Jewish babies.

While many American doctors are products of pushy parents who spend thousands enrolling their children in Kaplan courses to prepare them for years of overwork and worries, volunteering in hospitals and joining honor societies; Les was a working man. The education system in America stresses excellence in standardized testing, but nothing, especially in medicine, comes standard. When Les was accepted to medical school in New York, he said he shot for the moon. He was accepted not because he would make a good student, but because he will make a great doctor.


New Orleans is the biggest city in the Deep South, a fabled landscape of Cajuns and cotton fields, lost to the American consciousness since the civil rights era. Before Katrina, New Orleans popped into the national news once a year, during Mardi Gras when snippets of Carnival footage were broadcast for a few seconds at the end of the evening news as a smile-inducing send off that lets the viewers at home forget about the preceding 30 minutes of bad news.

The television showed scenes of third-world helplessness in the wake of Hurricane Katrina that evoked hushed observations from around the world. But long before Katrina, the people of Louisiana knew the deal. Rampant corruption, record crime, poor education, the Napoleonic Code, David Duke, and pandemic potholes set the scene of a state that sits at the fringes of America. A popular bumper sticker and t-shirt campaign created in the 1990’s stated it for all eyes, in red lettering on a white background: Louisiana~ Third World and Proud of It

To understand the big and little picture of a city such as New Orleans, of her people and
her customs is to understand their planning and response. It’s not easy to rebuild a city that wasn’t too fond of progress to begin with. Those intent on making it big, move to the great metropolises, those retreating from the trauma of the wide world, like Darrell, return to the womb of a city where just getting by is ambition enough.

This is New Orleans, where the neighborhood traffic lights sit on posts anchored into the sidewalk at each side of the street. The two lights stand as insurance; when one fails, the other light is left as a safeguard until symmetry is restored.

This is New Orleans, where inside every cornershop, a direct link to slavery sits on the counter, pickled pigs lips encased in plastic and buffered with juices to preserve all their puckered glory. The master of the house got the choice cuts, the slaves were left with the scraps.

This is New Orleans, where frat boys, conventioneers, and dumbstruck tourists (in New Orleans, they’re always from Iowa.) sling beads from balconies on Tuesday nights in November, they buy hot sauce and pralines, eat jambalaya, and drink hurricanes.

New Orleans attracts the tattoo set, the party girls from Florida with sun-kissed faces, cigarette stained vocal chords, and stock tattoos. They stay for a while, then twirl to the next cool town. The professional drunkards, dream chasers, white boys who want to play the blues; the graduate students who take their degrees and training to states where the money’s nicer and the neighborhoods whiter.

For a city of its size, New Orleans has more traditions, history, and popular influence than many small countries. New Orleans is a city tied to its neighborhoods, and housing projects that are shouted out in hip-hop tunes and saluted silk-screened t-shirts with the same reverence given to fallen heroes.

The projects are slowly dying within New Orleans and across America, but rare is the city that sanctifies them. The St. Thomas Projects were razed in 2001 and replaced by a Super Wal-Mart that was heavily looted after Katrina.

Regard for the law in Louisiana is best described by its drive-through Daiquiri stands. You can roll up to the window and buy a cold daiquiri, in such a variety of flavors that Ben & Jerry would be jealous. But, there is an open container law in Louisiana that applies when alcohol and moving vehicles are concerned. Daiquiri stands are not exempt.

This is how they get away with it. The cocktail cools inside a plastic cup with a lid. The straw slides through the slit. The tube of the straw in itself would constitute an open container as the law would have it, but the inch of paper wrapping left over the top of the straw fits it within the law.

New Orleans will always have that pickups and palm trees vibe, where you roll the windows down, rest your elbow on the doorframe and make an uptown loop past the oaks and mansions and swing back through downtown, past the palms trees lining Canal Street. Except for about three weeks a year, it feels like a Riviera. There’s not a beach for 50 miles, but after a day of work, driving home, you feel like you are heading to one.

The last time I saw Darrell, I drove him across to the West Bank of the Mississippi on the Crescent City Connection. We headed to a Home Depot to return leftover fencing material from a job never completed. Afterwards, we stopped at a diner for low-grade steak that required Darrell to summon the waitress twice for more gravy.

He called her daw-lin’ through rotted teeth as he poured on the gravy and explained his situation. He needed a new liver because, after many dormant years without detection, Hepatitis-C started smoldering in his immune system, progressing beyond a cure. Darrell put his name on the transplant list, but he didn’t think it deserved to be there.

The next day, Darrell held a yard sale on the lawn in front of his house. He didn’t advertise in the paper, whoever drove by bought away his furniture until he was left with almost
nothing. I salvaged a Phillips head screwdriver with a neon green handle. Darrell took the money from the sale and booked a one-way flight to Seattle where he was prepared to die in the city’s VA hospital.

Les predicted his demise with realistic detachment when he heard of Darrell’s situation. The only question was time. Les described the dire circumstances doctors find themselves in with patients who are in too much pain to go on, but their bodies won’t let them die. For drug addicts with helpful friends, the way out is easy: Dr. Death is sold on street corners all over America. Pump too much heroin in your veins and you’ll die of euphoria. As Les described the scenario, you’re so happy, you forget to breathe.

The message flashes on a city bus creeping down Canal. IT’S CARNIVAL TIME Anyone still left in the city who hasn’t gone on vacation somewhere with ski slopes comes out of the woodwork to see the parades on St. Charles. Les and Darrell and I, watching the people, the floats, and the marchers. The white bands from the Midwest play the same songs as the local boys from the public schools in a stream of sound that perfectly showcases their distinct souls.

The white kids marching firm as a flagpole, the black boys kicking and flapping like a flag in the wind. Fish nets secured over the bell of the tuba avoid the target practice of beer cans and beads aimed at the opening. White people make fun of the what-time-it-is? sho’ nuff speech of the St. Thomas folk and they return the favor toward the honkies from Iowa. And it’s all right.

That’s when New Orleans is back, when getting back to work as usual, is ignoring work as usual, and the laws that infringe upon the irreverence in us all. This is America, because a place like this can’t exist anywhere else. Come heaven or high water, there’s no place like home, however you imagine it.


Epilogue:

Darrell left town two days after his yard sale. I inquired about him at the Veteran’s Administration Hospital in Puget Sound, Washington. The social workers there didn’t have any record of him since the 80’s. He may have checked into the Portland V.A.; he may have ignored his condition, finding work as a welder to sustain him and his habits. I’d like to think he returned to New Orleans. The city could use him and his torch.

Les graduated medical school in May. A week later he married his classmate Emmy, a Bronx Science graduate from Ridgewood, Queens. The wedding was held at the Queens Botanical Garden and the reception at the Sheraton in Flushing. The ten-course meal was a traditional Chinese celebration, as was the bride’s dress, red Mandarin silks that served a perfect contrast against the seer-sucker suits worn by Les’ father and infant nephew.

Les started his residency in July at Bellevue Hospital. I’ve called him a few times, but haven’t heard back. I understand; he’s working like a horse. This is New York: this is where he belongs. But New Orleans needs him more.


Update: Ark-La-Tex, September 2010

Les returned to Louisiana to complete his medical residency. He lives in Shreveport. We found each other on Facebook. He asked: “What time it is?”

Darrell lives on. He’s based in Arkansas. I was astonished to find him pictured online in a photo from the Texarkana Post Gazette. He’s looking good, but somewhat constipated, probably because he’s full of shit sometimes. Long live man.

Harvest Bowl


Longtime New Orleans Saints fan Darrell Breen reacts to a play Sunday while watching Super Bowl XLIV at Hopkins Icehouse. The downtown restaurant hosted a Super Bowl party in conjunction with Harvest Texarkana to help collect canned food and donations. For more on the Saints’ first Super Bowl championship,

see Page 1B.
Texarkana Gazette

Friday, May 14, 2010

Stoop Sitters

It’s one of those nights in New York when the world is a wind tunnel. It’s the coldest night of the year, again. And January has just begun.

Two people sit huddled on a stoop, parkas covering their body, fannies frozen against the cold cement. With their pointy hoods, they look like druids. They smoke in silence, sitting motionless night after night, hour after hour. They look homeless; all that’s missing is a tin cup.

These are my neighbors. They are not destitute. They live across the street in a brownstone, paying enough rent on their apartment to cover the mortgage on a McMansion in Dallas.

Nine p.m. I’m headed out the door, cursing myself when I’ve forgotten something and turn back up the stairs to retrieve it; taking out the trash; talking through my to-do list. They sit so still; I don’t notice them. For most of the year the view across the street is obstructed by trees.

It’s not until I stand on the sidewalk and close the gate behind me that I notice them. Camouflaged in the doorway, only the pale of their faces betray their presence. Their heads turn to watch me like I am a tennis ball and they are court-side spectators.

They never say a word to each other. I am the entertainment, and so are you.

Don’t get me wrong, I like hanging out on my stoop, especially in the spring, but not for hours everyday, and not on days when the weatherman is working overtime.

I’ve contemplated asking why, what are they looking for? But my imagination makes them more interesting.

We’ve met once. At a matinee house party across the street that assembled most of my middle-aged neighbors, I found the couple stationed out back, smoking on the patio. In the brief encounter they managed to ask what I did for a living immediately after I introduced myself. They couldn’t even get a comment on the occasion before jumping the question.

I didn’t ask what they do.

I sometimes see him walking to the cornershop for the morning paper. He wears white sneakers, faded jeans, and a white t-shirt. At best his name is Bob, he is from Toe Jam, Ohio. He vacations in Orlando. He looks like an American tourist abroad, or with a short-sleeve white shirt and tie, a Mormon missionary. He might remark that a work of art is interesting.

The most interesting thing about them is their nicotine habit. Behavioral studies have shown smokers to be sensation and thrill seekers. Maybe their taste for tobacco is a tip-off to gambling like high rollers or outlaw motorcycle gang affiliations.

They have no kids. Maybe they tried and they couldn’t, or didn’t want to deal with the responsibilities and disturb their routine.

They’ve been together eight years; maybe they meet at work, or on eHarmony. I can’t picture intense passion, soap opera betrayals, or vein popping arguments. They don’t cook, they order in. The 30-minute after-dinner passeggiata made without descending their front steps, marks the highlight of their evening.

They go out to dinner once a week, and repair to bed before 11. They watch American Idol together; they watch a lot of tv. Their limited music collection includes Billy Joel standards and assorted greatest hits collections of the Steve Miller band variety.

Their hair is the same sandy color. They have an undefined heritage that might simply be called American, or mutt. They are distinguished by being so indistinguishable.

They sit wistfully watching the lives of others, living through people passing by.

Who are they watching?

The guy two doors down who fixed-up his Ford F-350 Super Duty Diesel V8 4x4 pickup every chance he got. Once that project was complete, he bought a motorcycle and now works on that. With two vehicles to his name, he takes the subway.

This might explain his near ownership of the parking spot directly in front of my house.

Mrs. Phipps lives in the house with the railings painted in the green, red, and black colors of the Pan-African flag. She quit smoking after her husband of 50 years died; I didn’t see her much after that. But she recently quit quitting and now I see her more than anyone else on the block.

The bald guy who drives the pea-green vessel from 1972 now considered a classic car, the same model and color my grandfather once drove. Luck finds him a perpetual parking spot on my block even though his ride could store a baby-grand piano in its trunk with enough room left over for the bench.

Should I decide to have a car, I live in the right place.

The plump woman who lives in subsidized housing two blocks up the street. She’ll ask you for a cigarette or a dollar in the “Are we there yet?” whine of a 12-year-old girl. When she finds a smoke she parks herself on the closest stoop and lights up. She wears white pajama pants peppered with Minnie Mouse motifs like a preppie’s lobster printed khakis.

I contemplate asking her for a dollar in the same earnest whine a nanosecond before she does, thinking it will cancel out her pleas like the anticipatory sound waves of noise canceling headphones.

The movie people who live next door keep a black SUV idling for hours in the fire hydrant spot across the street. Their carbon footprint approaches Al Gore’s. I read an interview in the paper where they claim to slum it on the subway with the rest of the straphanging hoi polloi.

The most Hollywood thing about them hides their garbage. We have green Rubbermaid cans with sun-faded covers lined up at the side of the stoop. They have a custom built teak bin that encloses their containers in a glove of exotic wood.

I’ve never seen and Ira and his wife walking apart. He wears jean shorts even in January, she a fanny pack. Their house is known for the creepy mannequin that stands in the entrance. In an email sent through the block’s mailing list he describes it as a signpost: “Sylvia, the pink-faced, life-size mannequin in my doorway.”

Southpaw sits just around the corner. The walk from the nearest subway stop to the venue follows a path directly down my street. Whatever band is on the bill that evening draws their fans out of the woodwork—rockabilly greasers, aging indie rockers. After one show, dreadlocked hippies set up a tank of nitrous oxide beside the recording studio on my block. The couple that owns it stood watching in bemusement with tattooed arms crossed.

Five nights a week like clockwork the maƮtre d from the Italian restaurant on the corner hobbles up the block after his shift carrying a white plastic bag with takeout inside. He looks drained of life like he was fired, mugged, and dumped on the same day.

He lost his job for good last week. Overnight the restaurant turns into a Mexican cantina just in time for Cinco de Mayo.

Next to the restaurant is a basement recording studio. For $35 dollars an hour, your punk band can suck in the studio too. As evening falls, the band members can be spotted smoking outside between takes. They’re hard to see as their collective wardrobe creates a curtain of black that blends into the night. Outfitted in facemasks and nunchucks they could be ninjas.

Me. I’m in and out of the apartment. I’m gone by 7:20 a.m. and don’t get home until 7 p.m. if I’m lucky. If not, it’s 8 or 9 and I’m carrying my gym bag, dinner, and dry cleaning. I’m half dressed in work and gym clothes because I’m too tired to change after working out and then again five minutes later when I get home to shower.

I open the front gate and close it gently behind me so it doesn’t slam shut. I walk around the side of the stoop to check the mail, and then I trudge up the steps. I feel their eyes burning a hole through my back as I dig for the keys. I’m in.

I’d like to think this pastime has a higher purpose. Maybe one is a writer tackling some sort of yearlong quest that is popular in the publishing world, a year of living biblically, a year of living off the land. They pitch their agent on a year sitting on the stoop observing the minutia of life walking by. (It’s been much longer than a year though.)

I imagine the steps where they sit are now shaped into an ergonomic rendering of their rears, like old steps sandblasted from the marches of a million feet.

Possibly in recognition of these impressions, they have started using sitting pads, like the freebies offered at baseball games on promotional days.

They are committed.

Is it a penance?

A neighborhood watch unit maybe?

Bingo? I’ve heard of corporate buzzword bingo and other variations circulating on the Internet. The cards are printed out and played at staff meetings. Mark the buzzwords as they are heard or pop up on a PowerPoint: synergy, best practice, value-added…

Their version is Brownstone Bingo: twins in double-wide stroller, parallel parker smacking bumpers, Obama anything.

What if a guy in a chicken suit, juggling bananas while riding a unicycle passed by? Would all their effort (right word?) pay off? Would they have achieved the holy grail of stoop sitting?

Meanwhile, I’ve finished dinner, done the dishes, and am ready to leave the apartment an hour after coming home from work. I walk out the door feeling less encumbered.

They haven’t moved.

Do they wonder what I am doing, where I am going? Do I inspire a story?

I hope the real one is better than the imaginary.

Monday, January 25, 2010

Salesmen without Scruples: My Observations as a Loan Officer -- Part I

**The following is the first part of a story that was updated Sundays in January. Scroll down for the three previous pieces in the series.


Salesmen without scruples selling loans to people without marbles set off the sub-prime housing collapse.


I was one.


I sold mortgages all over America from a building on 32nd street a block from the Empire State Building during the heady days of deal making when a mortgage company sponsored that year’s Super Bowl.


50 blocks downtown and a world away, Wall Street was betting billions on the sanctity of these salesmen without scruples and the sanity of our customers. To be sure, they made their measurements, calculated their risk, but it was all math with no meaning. They failed because they never set foot in a mortgage brokerage. Unfortunately for me, I did every morning. This is my view from the inside.


The sub-prime market operated in a realm far removed from the picture of a young couple walking into a local bank to meet with a manager. Most sub-prime mortgages originated from brokerages where guys with bad accents cold called from cubicle farms to customers all over America.


I found the first mortgage company I worked for, Global Home Loans and Finance, through The New York Times classifieds. The headline: EARN $20,000 A MONTH.


I called the number; spoke with a guy named Danny, and scheduled an interview. He did not ask to see my resume. My first of many red flags.


The next day, I interviewed with Danny, a 20-something Jewish guy from Great Neck who looked like a young Barry Manilow if he were a shyster instead of a songster.


He introduced me to the owner in passing. I noticed one thing. The face of his watch was the size of a hockey puck. Probably filled with air, just like the promises of earning $20,000 a month.


But, greed got to me. I wanted to make money, set my own hours, and have time to work on the novel I was writing. Thankfully I was 25 and young enough to recover from my stupidity.


The mortgage industry operates on commission. I received no salary or benefits and I never made much. I was renting an apartment on Avenue C next door to a squat and above a bar called the C-Note. The night before my first day, the band played until 2 a.m. on a Sunday night. I stumbled downstairs in my sweatpants and told them to get off the stage. When more people stand on stage than in the audience, there’s an unwritten rule: pack it up.


I arrived exhausted for my first day of work the next morning. Within my first hour on the job I was offering financial advice over the telephone. I had no experience in mortgages or sales.


The industry was lightly regulated, both the products sold and the people selling them. In most states, mortgage brokers needed to be licensed. However, the broker served merely as a figurehead to satisfy state regulations. The companies I worked for were licensed in over a dozen states. Most brokerages though operated as absentee landlords, they just collected the money. The footwork was done by loan officers, people like me who hit the phones an hour off the street.


I soon learned many of my co-workers had convictions, and they weren’t the religious sort.


Danny’s crew consisted of seven people. The standouts: Dave, a holdover from the old Hell’s Kitchen; a small mousy Italian guy with thin dark hair that draped over his little head. He was once involved in drugs and restaurants, running both. Angel, an ex-con that draped his cheap pea coat over his shoulders like he was an associate in some Inwood mafia. Tyrone, a black guy with a coke spoon pinky nail who perused hard core porn during his down time.


I sat with my back to him, facing Tara, a party girl with a perma-rasp that sounded like she spent the previous night belting out Bon Jovi tunes at a Karaoke bar.


For her college graduation gift her father funded her DD implants, consolation for divorcing her mother and remarrying a Playmate. For her graduate school graduation, they were removed. She was back to an A-flat when I met her.


Tara was seeing a human resources director at a rival mortgage brokerage downtown that I transferred to a few weeks later. She interviewed with him and didn’t get the job; they started dating and she ended up giving him jobs instead.


I became Tara’s friend, without those kinds of benefits. But I did appreciate her feminine levity and chance to commiserate.


I did well enough on an early lead to make Tara jealous. I’m good with people and talkative, but not a salesman for stuff I don’t believe in.


I got lucky. New recruits worked with leads that were as cold as the reception we got. It’s easy to harass people when you know they’re not going to bite. I just practiced on the poor suckers.


My office found leads through a third-party that blanketed the internet with banner ads promising rates like a limbo line—look how low we can go. Those who signed-up saw their information sold to brokerages all over the country. A seasoned loan officer would call with every intention to close a loan; thereafter these numbers were cold-called in perpetuity to train new classes of recruits.


Nearly all the loans we closed were refinanced mortgages, homeowners who wanted to lower their interest rate and monthly mortgage payment on their existing mortgage. Refi’s were more abundant and less demanding than new home mortgages and thus perfect fodder for the armies of salesmen that sprung up overnight.


As an experiment I clicked on one of these ads and signed up posing as a prospective borrower. I received my first phone call within 15 minutes. The calls continued a year later. They finally stopped when the brokers went of out business.


*Some names have been changed.


Next: Sales 101

Sunday, January 17, 2010

Salesmen without Scruples: My Observations as a Loan Officer -- Part II


Sales 101


Whatever the product, a salesman has three objectives.

1. Qualify.
2. Build trust.
3. Close.

The mortgage business perfectly illustrated this truth. A credit check required the borrower’s social security number to determine if they qualified for a loan.

Though it’s hard to find faith in someone over the phone, this part of the process was scripted to sound hyper-professional and short circuit common sense. Basically it boils down to this: if you want something, ask for it.

A good, honest salesman deserves respect. It’s an art that can be mastered, but like pure athleticism or artistic ability it requires innate talent.

Example: Loan officer standing with a phone clutched in his fist like he is about to punch himself with it. The buckle on his Gucci belt matches the clasps on his Gucci loafers. He is talking to an apprehensive customer of mine from Sarasota, Florida named Mike Perez.

— This is Christian, I’m a senior loan officer. Yes, that’s right. Like your religion. Mr. Perez, let me ask you a question. What do you do for a living?

— I own a landscaping business.

— Do I tell you how to clip hedges, Mr. Perez? No? Good, because I don’t know anything about it and I bet you know even less about mortgages. So let’s stick with what we know. Ok?

— Ok.

— Mr. Perez, what’s you social security number?

With the social security number secured, the loan officer always told the customer not to let anyone else check their credit because it would decrease their score and drive up their interest rate. In truth it would take a bombardment of inquiries to make a difference. Shopping around is still standard practice.

Preliminary interest rates from the bank were based on the credit score and the loan to value ratio (LTV): the amount of the loan as a percentage of the total value of the property.

With an $80,000 loan on a home worth $100,000, the LTV is 80%. The lower the better. It means the borrower owns more of the house; this is known as equity. In this case, $20,000.

Once the figures were finessed and the customer hard-sold on the loan officer’s services, final approval by the bank required a ream of documentation: three years of tax returns, two years’ record of mortgage payments, one year of bank statements, pay stubs, and explanation of any delinquencies. Then, an appointment to appraise the property was scheduled.

For a lot of customers these steps presented a major obstacle. If their life was in order, so would their credit score.

With documentation complete the loan was submitted for approval, and the commission calculated. In most shops the commission was the only source of a loan officer’s income. But there was a lot of money to be made.

On one loan Danny made $24,000. A good-size haul, and a textbook example.

Loan officers made commission on the front and back of a loan. The front side is generally 1% - 2% of the loan’s value and disclosed to the borrower (if they bothered to read the Good Faith Estimate). The more complicated the mortgage, the higher the percentage. Danny’s client, a gas station owner, took out a $600,000 loan to buy a second home in Boca Raton. He charged them 2%, not because the loan was particularly difficult, but because he could get away with it. Two points on the front made him $12,000.

He also charged 2 % on the back end. Here it got sneaky. Danny locked down a 6.5% interest rate on the loan. The real market rate, the truly best rate available was 6.0%. The spread between the rates was called the yield spread premium. Interest rate sheets provided by the banks listed the spreads for every loan. An extra quarter percentage point might earn a 1% commission, or one pointy

An increase from 6 to 6.5%, earned Danny two points on the back of the loan for an additional $12,000. This was never disclosed to the customer; shopping around provided their only protection.

Danny’s made $24,000 with two points on the front and two points on the back loan. He never met the customer; the entire transaction took place by phone.

But, how was this legal?

The yield spread premium was created to provide cash back for the borrower to cover all fees and closing costs. Someone could own a home with no money down, financing the entire cost of the house, plus closing costs and attorney fees. Renting an apartment with first, last month’s rent, and security deposit would require a greater cash outlay.

The folks we sold loans to weren’t that crafty. The yield spread premium lined the loan officer pockets instead of theirs. It didn’t matter to the banks since they benefited either way. An extra half a percent over the life of a loan can bring in tens of thousands of dollars in additional interest.

I learned these ins and outs at Global Home Loans, but after one month I transferred to the mortgage company where Tara’s friend with benefits worked. She was happy to get me the job so she could keep track of him.

I wasn’t the first to make the move. The month before, a female loan officer had blazed the same path to escape the sexual advances of the boss.

The mortgage industry experienced job turnover like a meat packing plant, a revolving door of recruits. It was not uncommon for people to quit after one day.

I started my second gig with a class of eight loan officers at First American Financial downtown near Battery Park. Though the place was a little more professional, their big screen TV in the conference room was stolen the weekend before I started and presumed to be an inside job.

Management told us to see the movie Boiler Room. After watching it I realized I had one up on Hollywood. I would make hundreds of calls a day working with two telephones, clenching a receiver in each fist.

The new crew consisted of Rocco, an actor short-listed for a part on the Sopranos; Ed, a Russian kid fresh out of City College; the black guy with the Jewish surname—something like Sidney Greenstein—that I thought would be better suited for a line of men’s haberdashery. He called himself a lion of Judah. Stan, the 40-something guy from Queens who lived with his mom. “No, my mom lives with me.” Norman, the former art gallery owner, who at 70 supplemented his social security in a fly-by-night free-for-all.

First American held classes for the new recruits. A know-nothing know-it-all who tended bar for ten years answered all the questions while I kept my mouth shut, smirking at the cheap black suit he wore everyday with white socks.

Our instructor was an English guy with a posh accent. Two weeks later, with classes over, they sacked him but kept his voice on the phone recording for the British air of legitimacy it offered.

During our many breaks, I smoked cigarettes with Ed in front of the building. Most everyone smoked in the mortgage business. Ed’s favorite subject was Russian mobsters and Meyer Lansky, who he regarded as a folk-hero, a Jewish representation of America’s tough-guy tradition.

Standing there smoking, I fixed on the Statue of Liberty across New York Harbor, my family’s first sight of America when they arrived at Ellis Island almost 100 years prior. Ed’s family immigrated on an Airbus via JFK—three generations for me; the first for him.

Neither of us considered our jobs to be the better life our families envisioned for us, nor did we believe the mortgages we were peddling paved the way toward the dream of home ownership. We were commodities selling commodities.

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