I enjoy listening to music as much as the next person, but to be without an ipod, is almost like being without a limb. It became an extension of me. Wherever I went, my ipod was there by myself. When I lost my most recent ipod and 80 gigs worth of music, a part of me died. I knew before I purchased a new one, I would either have to deal with constantly rotating my 6 cd changer in my car, or subjecting myself to the radio during my morning commute. Needless to say, for the past several months, I’ve been doing a little of both.
During my commute, I’m usually listening to The Russ Parr’s Morning Show on 93.9 WKYS. His morning show is usually good for a laugh or two, especially when he does his music parodies & voice imitations. Also, every once in a while they’ll play a good rush hour mix by their DJ. Usually after 15 minutes of their usual music rotation, I’m ready to find something in my cd changer to listen to. At least with my cd changer, I won’t have to subject myself to slew of advertisers Radio One chooses to sell airtime to.
During most commercial segments on 93.9 WKYS, no matter what time of day, you’re guaranteed to hear either a pay day loan commercial, debt consolidation, or a credit repair scam. The garbage they’re marketing to their URBAN community is straight vitriolic, and is buyer beware at it’s best. Why would you want to push pay day loans & companies that offer services to further aid in people obtaining more debt in these days and times?
According to Credit.com pay day loans ARE NOT the way to go:It is crucial that you repay a payday loan as soon as possible. Many people get into trouble with these types of loans when they are unable to quickly repay the debt. If you can’t repay the loan at the end of the term, you’ll be charged expensive additional fees. It is very costly to be stuck in a payday loan cycle for a long time and can lead to larger financial problems. Payday loans are also much more expensive than other methods of borrowing money. In most cases the annual percentage rate (APR) on a payday loan averages about 400%, but the APR is often as high as 5,000%. A standard credit card has an APR of 12% and a standard loan APR is around 7%. If possible, it is better to use a credit card or tap into your savings in the event of an emergency.
So basically, most people end up owing more back then they borrow, and usually fall into ‘pay day loan’ hell. That’s definitely something you want to market to your urban listeners. As my fellow blogger, Cuvy Girl Chronicles said, “yep, it’s the equivalent of advertising lottery tickets and malt liquor“.
Let me not forget the debt consolidation & credit repair scams, I mean, ‘commercials’ that also pollute the airwaves. Why are they once again marketing bogus opportunities to people? For the record, there is no such thing as ‘credit repair’. There’s not a company out there that can wipe out the negative issues on your credit report. If you have ‘errors’ on your credit report, it’s just as simple as writing the credit reporting companies and getting it resolved on your own, although it may take time, it is FREE. Unfortunately, I’m sure there are people who were/are desperate enough to actually pay these companies for something they can easily do on their own if they contact their creditors.
I totally understand that the airwaves aren’t free, and advertising is what funds the majority of its costs, but when should a company be held responsible for what their advertisers are selling? In these economic times, it would make sense to have advertisers that are promoting economic stability, instead of economic decline, particularly in the urban areas where Radio-One makes the majority of their profits!
Up until I made a conscientious effort to pay attention to the radio adverstising, I thought the music was already hard to swallow and listen to. So until I get another Ipod, it’s back to listening to whatever I choose to put into my cd changer, because I refuse to listen to any more garbage radio music & the horrible advertising that goes right along with it.