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44 Years Later, Redd Comes Home – An Inside Account



By Ruby Wilks

At age 63 and during a pandemic, Paul Redd begins to build his life outside of prison after 44 years of incarceration.

A succinct but impassioned summary of Redd’s experience in the system can be found on his lawyer Danielle Harris’ Twitter feed.

But the gist is: back in 1975, a San Francisco jury found then 19-year-old Oakland resident Redd guilty of first-degree murder of a local drug dealer, and he was subsequently sentenced to seven years to life in prison.

One of the two other men arrested for the same crime pleaded guilty to a lesser charge and testified at trial that Redd committed the murder. For this deal, he served no time in jail or prison whatsoever.

This man’s testimony was the only evidence against Redd, who has maintained his innocence since the beginning.

Redd spent more than 30 of his 44 years of incarceration in solitary confinement. He was kept alone in a concrete, windowless, poorly-ventilated cell for between 22 and 24 hours a day.

“Paul lived in conditions that were at the time the worst prison conditions in the United States,” said Charles Carbone, a prisoner rights attorney who represented Paul and other inmates in a class action lawsuit.

Paul, said the attorney, was forced to live in an environment “designed to maximize sensory deprivation, designed to basically maximize mental suffering, pain, and anguish, and for individuals to mentally decompensate as a consequence.”

Prison officials claimed to place Paul in the SHU because, despite a lack of any real evidence, they deemed him a Black Guerilla Family affiliate.

More likely, Redd was subjected to the SHU because of his prison reform work and because of his possession of political writings and materials, not because of any prison gang-related activity.

This all-too-common practice, termed at the time “gang validations,” gave CDCR the legal license to place people in solitary confinement for decades on end, not based on any overt criminal or unlawful activity, but because of a supposed gang association.

And “association” could be as simple as “having artwork or a book that supposedly had gang connotations associated with it, talking in a law library, [or] communicating through mail with people who supposedly had gang connections, even if you’re talking about the most innocuous, ordinary incident,” pointed out Carbone.

During his time in Pelican Bay’s Secured Housing Unit, Redd participated in the 2011 and 2013 hunger strikes making national news and demanding attention to the inhumane conditions of solitary confinement.

He later became a plaintiff in a prisoner-led class action lawsuit, Ashker v. Newsom (2015), that, among other reforms, ended indeterminate solitary confinement and the practice of “gang validations” in California prisons.

Despite serious weaknesses in the case against him, his impressive prison record and resume, his serious health conditions, and his solid re-entry plan, he was denied parole more than 18 times before he lost count.

Through this writer’s work with the San Francisco Public Defender’s Office’s Post-Conviction Unit, I had the opportunity to speak with Redd about his experience with release through PC § 1170(d)—a new pathway to resentencing and release outside of parole boards—and with re-entry into society.

When Redd first heard that his lawyers would not be pursuing a Franklin hearing—where an attorney asks for a recall to present youth-related mitigating factors that were not introduced at the original sentencing—he was disappointed.

However, a few days later, when San Francisco Public Defender Danielle Harris came to visit him and explained that they were, instead, pursuing release through 1170(d), he cried tears of joy.

Redd was hopeful about this new path to freedom, but he was also skeptical. As the COVID-19 pandemic widely delayed court hearings, he feared that his 1170(d) would get pushed back.

Harris, however, was undeterred. She quickly began to assemble a package, strengthened by supporting letters from nurses, psychologists, and others who worked in a prison hospice center with Redd. Harris then submitted the package to the San Francisco District Attorney’s Office, and San Francisco District Attorney Chesa Boudin recommended the court recall Redd’s sentence.

“I want people out now,” said Harris. “I feel like every day is a miracle that all our clients who are in prison survive.”

By mid-May of 2020, Redd said, “we had a conference call with the judge, and everything else is history. The judge vacated my murder conviction, gave me manslaughter credit for time served, and ordered I be released immediately. Within four or five days, I walked out of Vacaville.”

Stressing the importance of legislation and progressive district attorneys, Harris explained: “There are two things that made Paul’s release possible. Number one, 1170(d) was amended in 2018 to give the District Attorney in the county of conviction power to recommend resentencing to the court, whereas, previously, the only actor with power was CDCR and, until recently, they weren’t really using that power at all.

“The second thing that happened is that San Francisco voters elected Chesa Boudin,” Harris added.

Prison guards only allowed Redd’s lawyer, Harris, to meet him at the CMF prison gate, so Paul’s family and the rest of his legal support team, along with several camera crews, welcomed him home at a nearby park.

After Redd’s release, Harris helped him connect with the Five Keys Re-Entry Program in Oakland, California. The program staff is helping Redd get his Social Security, Medical, medication, and driver’s license in order.

Redd speaks highly of his experience with the Five Keys Re-Entry Program thus far. As he put it, “The program seems to be geared towards helping people re-enter society and get back into the community.”

During our phone conversation, Redd briefly transferred to a different line to take an incoming call from the Five Keys Program, who were calling to check in on him.

In addition to programmatic support, Redd has a strong family network and has developed meaningful personal and professional relationships inside and outside of prison.

Redd’s niece and nephew have helped him get a picture ID, look for housing, fill out a variety of applications, navigate unfamiliar technology, and get from place to place with their car.

While in the process of securing his own apartment, Redd has been living with his nephew. Redd recently met with the manager of an apartment building. He told me the meeting went well and that the manager provided him with an application. The problem is, the application requires one to have a good credit score.

“I don’t have any credit. I don’t have bad credit, nor good credit—which, I guess, that, in that sense, is good,” Redd explained. He continued, “My nephew is going to help me get a secured card, so I can start working on establishing credit.”

Redd’s criminal justice reform work and reputation as a jailhouse lawyer resulted in multiple job offers upon his release. He ultimately decided to accept an offer from American Friends Service Committee (AFSC) in Oakland, a social justice and activism organization.

Redd intimated a sense of loyalty towards AFSC since, for years, staff members have been letting him know that he could work there upon his release.

Although COVID-19 complications have made starting his job tricky, Redd plans to begin his work at AFSC soon and is looking forward to learning about the technological world he has been excluded from during his decades in prison.

Since his release, Redd has also received an invitation to help create a cancer support group at the San Francisco Transitional Clinic.

In 2015, Redd found out he had a tumor on the top of his right lung and was diagnosed with stage four lung cancer. Battling cancer inspired Redd to create a cancer support group in California Medical Facility in Vacaville, where he was quickly beloved by the patients, nurses, and staff.

As Redd explained, “It took me two and a half years to get the Vacaville cancer support group started. But once it got started, a lot of the cancer patients that joined the group were glad that it happened because now they finally had someone to talk to who experienced what they experienced going through chemo. So, I would like to continue that out here if possible.”

The group at the Transitional Clinic will likely begin via Zoom.

Since his release, Redd has been focusing on his health. His age and medical history place him in the high-risk group for COVID-19. His lengthy prison sentence has weighed heavy on his health. While at the California Medical Facility, for instance, Redd’s CPAP machine, which he uses for his sleep apnea, was taken because prison officials claimed that it can spread the virus around in the cells.

“Right now,” said Redd, “I’m just trying to feel my way around and make sure I’m getting everything in order, so I can take care of my diabetes. Since I’ve been out, it’s been out of whack. I used to have to be on a schedule. Now that I’m out of prison, I don’t have that schedule because I don’t have my own place, so hopefully I can get my own place and get my schedule back into place and then get my sugar levels back down to normal. I want to enroll in a gym, so I start working out again.”

Redd was given a 30-day supply of his medication when he was released. Now that his Medi-Cal application went through, he informed me that he will be able to start chemotherapy sessions out of custody.

When I asked Redd if he received mental health support during his incarceration, he responded, “none, none at all.”

When Redd re-entered the general prison population after spending 30 plus years in the SHU, he was not provided with any mental health services.

Redd is still baffled that he, and many others, can do 30 to 40 years in the SHU and come back into the general prison population without ever speaking with a mental health expert or even having someone “just ask how you’re doing,” as Redd said.

When he later sought out mental health support at CMF, he was told that since he was not on psych medication—“what they call triple CMS,” he told me—he wouldn’t be provided with mental health assistance.

So, Redd was forced to rely on his own devices. He used his “ability to socialize and to communicate with people” to aid his transition into the general population. On the outside, Redd continues to rely on the skills and mental strength he developed to survive in the SHU.

When asked how Paul managed to remain hopeful after decades of injustice, rejection, and denials, Carbone stated, “Paul’s humanity expanded as a consequence of being treated like an animal. And that’s a rare individual, who’s put in a cage in isolation who can come out and be even more kind, more approachable, more engaging—and that’s the rarity of Paul Redd.”

In Harris’ words, “He’s a really special person. Paul’s story writes itself. His resume is incredible.”

“As to how Paul survived and managed to thrive in the way that he did,” continued Harris, “I have no idea. I’m sure I wouldn’t have fared as well as he did under those conditions. One thing our systems of torture have proven is that human begins are so incredibly adaptable, and I’m constantly amazed by it.

“We did not find a broken person. We did not find a person who is uncomfortable with human connection. We found a warm and kind and generous person who loves life and people,” Harris explained, referencing the first time she met Redd in prison.

Redd’s prison reform work will continue now that he is out. He hopes to help others find a way to freedom through 1170(d). Additionally, he has some organizing in the works.

“One, I want to see if I can put together a team to work with me to file a class action lawsuit for money damages for all those decades they kept us in solitary confinement, like they did. It contributed to a lot of our health problems today—the sleep apnea, the cancer, etc.”

“The second thing I want to do,” continued Redd, “is to talk to a couple oncologists because I want to file another class action lawsuit on behalf of cancer patients that I believe developed cancer from asbestos exposure.” Redd has reason to believe that his cancer could have been caused by asbestos in the prisons.

As San Francisco Public Defender Danielle Harris wrote so perfectly in a Tweet about Redd, “Despite every effort made to break this man, he would not break.”

Redd’s resilience, his determination to advocate for justice on behalf of himself and similarly-situated others, and the strong support system inside and outside of prison walls that he has built and maintained can teach us a lot about how re-entry can work.

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New Mexico Student Loans: Pay for College in New Mexico



Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

If you’re planning to attend a college or university in New Mexico, there are several options that could help you pay for it — including scholarships, grants, and New Mexico student loans.

Whether you’ll be attending Central New Mexico Community College, the University of New Mexico, New Mexico State University, or any of New Mexico’s other schools, you can expect to spend about $6,807 per year on average for in-state tuition.

Here are four ways to pay for school in New Mexico:

  1. Start with scholarships and grants for New Mexico students
  2. Apply for federal student loans
  3. Use private student loans to fill in the gaps
  4. Consider New Mexico Loan-For-Service Programs

1. Start with scholarships and grants for New Mexico students

If you need to cover education costs, college scholarships and grants could be a great choice since you won’t have to pay them back.

Here are some scholarships and grants available specifically for New Mexico students:

If scholarships and grants don’t fully cover your education costs, federal or private student loans could help fill any gaps left over. Just remember to consider how much these loans might cost you in the future so you can prepare to pay them back.

You can find out how much you’ll owe over the life of your federal or private student loans using our student loan calculator below.

Enter your loan information to calculate how much you could pay

Total Payment

Total Interest

Monthly Payment

With a
loan, you will pay
monthly and a total of
in interest over the life of your loan. You will pay a total of
over the life of the
loan, assuming you’re making full payments while in school.

Need a student loan?
Compare rates without affecting your credit score. 100% free!

Check Personalized Rates

Checking rates won’t affect your credit score.

Learn More: How to Get a Student Loan for Online College

2. Apply for federal student loans

If you still need to borrow money for school, federal student loans are a good place to start. This is mainly because they come with federal benefits and protections, such as access to income-driven repayment plans and student loan forgiveness programs.

Tip: To apply for federal student loans, you’ll need to fill out the FAFSA. Be sure to submit it as soon as possible to get the most financial aid you can.

Here are the main types of federal student loans you might be eligible for as a New Mexico student:

  • Direct Subsidized Loans are available to undergraduate students with financial need. The government pays the interest on these loans while you’re in school, which means you won’t have as much to pay back later.
  • Direct Unsubsidized Loans are available to both undergraduate and graduate students regardless of financial need. Unlike subsidized loans, you’re responsible for all of the interest that accrues on these loans.
  • Direct PLUS Loans come in two types: Grad PLUS Loans for graduate students who need to pay for grad school and Parent PLUS Loans for parents who want to pay for their child’s education. Keep in mind that PLUS Loans come with higher interest rates than subsidized and unsubsidized loans. They also require a credit check.
Loan typeWho qualifies?
Interest rates
Loan limits
Direct Subsidized LoansUndergrad students with financial need2.75%*$3,500 to $5,500 per year
Direct Unsubsidized LoansUndergrad, graduate, and professional studentsUndergrad: 2.75%*

Graduate and professional: 4.30%*

Dependent undergrad: $5,500 to $7,500 per year ($31,000 total limit)

Independent undergrad: $9,500 to $12,500 per school year ($57,500 total limit)

Graduate and professional: $20,500 per year
($138,500 total limit)

Direct PLUS LoansParents, graduate students, and professional students5.30%*Cost of attendance minus any other financial aid received
*Federal student loan rates for the 2020-21 academic school year.
Keep in mind: The student loan limits in the table above are maximum limits. The actual amount you might qualify for will depend on your FAFSA results, which will factor in your Estimated Family Contribution (EFC).

After you submit the FAFSA, your school will send you a financial aid award letter explaining the amounts and types of federal student loans you’re eligible for.

Check Out: Is My College Housing Covered by Financial Aid?

3. Use private student loans to fill in the gaps

If scholarships, grants, and federal student loans don’t fully cover your costs, private student loans could help fill any gaps left over. Depending on your credit, you might get a lower interest rate on a private student loan than on a federal student loan.

If you’re considering federal vs. private student loans, also note that private loans generally don’t offer the same amount of benefits and protections (such as access to income-driven repayment and student loan forgiveness programs) as federal loans.

Keep in mind: Unlike most federal student loans, you’ll need to have good to excellent credit to potentially qualify for a private student loan. Some lenders offer student loans for bad credit, but these generally come with higher rates than good credit loans.

If you can’t get approved on your own, you could also consider applying with a creditworthy cosigner. Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.

Before taking out a private student loan, be sure to shop around and compare as many lenders as possible to find the right loan for you.

Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes. Each of the lenders in the table below is a Credible partner available to New Mexico residents.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amounts
ascent3.30%+2.40%+5, 7, 10, 12, 15, 20
(depending on loan type)
$1,000 – $200,000
citizens3.99%+11.19%+15, 10, 15$1,000 – $350,000
(depending on degree)
collegeave3.34%+2,31.04%+2,35, 8, 10, 15$1,000 up to 100% of the school-certified cost of attendance
edvestinu4.07%+72.00%+77, 10, 15$1,000 – $200,000
mefa3.75%+N/A10, 15$1,500 or $2,000 up to school’s certified cost of attendance
(depending on school type and minus other aid received)
4.25% – 12.35%91.25% – 11.10%95, 15Up to 100% of the school-certified cost of attendance
Compare rates without affecting
your credit score. 100% free!

Compare Now

Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | 1Citizens Bank Disclosures | 2,3College Ave Disclosures | 7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

Learn More: Coding Bootcamps: Average Cost and How to Pay

4. Consider New Mexico Loan-For-Service Programs

There are some professional-level jobs in New Mexico that are in particularly high demand, such as:

If you’re interested in one of these programs and are sure you’ll stay in New Mexico after graduation, then you might consider looking at the state’s Loan-For-Service Programs.

How does it work? These programs offer special loans to professionals who agree to practice for a designated time in a shortage area after they’ve graduated.

For every year of service, a portion of your loan will be forgiven. If you complete your full time of service, the program will forgive 100% of your loan.

Check Out: On-Campus vs. Off-Campus Costs

Students in New Mexico have plenty of options to pay for college

Whether you’re attending community college, a trade school, or another type of New Mexico school, using a mix of these strategies could help you pay for college.

Tip: Most students end up with a mix of both federal and private student loans to cover their costs. It’s typically a good idea to start with scholarships, grants, and federal loans before turning to private loans if you have leftover costs.

If you decide to take out a private student loan, remember to consider as many lenders as you can to find a loan that suits your needs. Credible makes this easy — you can compare multiple lenders in two minutes after filling out just one form.

Compare student loan rates from top lenders

  • Multiple lenders compete to get you the best rate
  • Get actual rates, not estimated ones
  • Finance almost any degree

See Your Rates
Checking rates will not affect your credit

Keep Reading: Low-Interest Student Loans

About the author

Lindsay VanSomeren

Lindsay VanSomeren

Lindsay VanSomeren specializes in credit and loans and is a contributor to Credible. Her work has appeared on Credit Karma, Forbes Advisor, LendingTree, and more.

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Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom | Fintech Zoom



Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Almere, The Netherlands
February 25, 2021, 6 p.m. CET

ASM International N.V. (Euronext Amsterdam: ASM) today reports its fourth quarter 2020 operating results (unaudited) in accordance with IFRS.

Strong quarterly results driven by continued logic/foundry demand


EUR million Q4 2019 Q3 2020 Q4 2020
New orders 429.0 303.4 378.7
Revenue 400.6 314.6 346.6
Gross profit margin % 51.5 49.9 45.2
Operating result 130.9 83.9 77.5
Result from investments (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013) 6.4 6.3 27.1
Amortization intangible assets (resulting from the sale of ASMPT stake in 2013) (3.5) (3.0) (3.0)
Net earnings 104.5 58.1 79.1
Normalized net earnings (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013 and result from sale of ASMPT shares) 108.0 61.2 82.1
  • New orders at €379 million were 25% above the level of last quarter.
  • Revenue for the fourth quarter 2020 was €347 million and increased 10% compared to the previous quarter due to stronger market demand.
  • Gross profit margin was 45.2% in Q4 2020 compared to 49.9% in the previous quarter which had an exceptionally strong mix.
  • Operating result was €78 million compared to €84 million in the previous quarter, mainly due to mix effects and higher R&D and SG&A costs.
  • Normalized net earnings for the fourth quarter 2020 were €82 million, €21 million higher compared to Q3 2020, due to the higher contribution of ASMPT, mainly caused by one-off effects.


“2020 was another year of strong performance for our company. In a year dominated by the COVID-19 pandemic, the global ASM team demonstrated tremendous commitment and execution,” said Benjamin Loh, President and Chief Executive Officer of ASM International. “In the fourth quarter, we realized revenue of €347 million which was at the high end of the guidance of €330-350 million and up 10% from the level in Q3. The revenue level was again driven by continuous high demand in the logic/foundry segment. Our Q4 order intake, at €379 million, was up 25% from the level in Q3 and substantially higher than our guidance of €340-360 million, driven by strong demand in logic/foundry. For the full year, revenue was €1,328 million, a year-on-year increase, excluding the litigation proceeds in 2019, of 18%.”


For Q1, on a currency comparable level, we expect revenue of €380-€400 million, while we expect our revenue in Q2 to be at the same level. Q1 bookings, on a currency comparable level, are also expected to be in the range of €380-€400 million.

Based upon the current market developments, the wafer fab equipment (WFE) market is expected to grow by a mid-teens percentage in 2021. While it is currently too early to provide guidance for the second half of the year, ASM is well positioned for another year of healthy growth in 2021.


On June 2, 2020, ASMI announced the start of the €100 million share buyback program. As of December 31, 2020, 63.8% of the share buyback program was completed at an average share price of €132.63.


ASMI will propose to the forthcoming Annual General Meeting of Shareholders (AGM) 2021, to declare a regular dividend of €2.00 per common share over 2020. The regular dividend increases 33% compared to the regular dividend paid over 2019 (€1.50 regular dividend, excluding €1.50 extraordinary dividend).    

About ASM International

ASM International NV, headquartered in Almere, the Netherlands, its subsidiaries and participations design and manufacture equipment and materials used to produce semiconductor devices. ASM International, its subsidiaries and participations provide production solutions for wafer processing (Front-end segment) as well as for assembly & packaging and surface mount technology (Back-end segment) through facilities in the United States, Europe, Japan and Asia. ASM International’s common stock trades on the Euronext Amsterdam Stock Exchange (symbol ASM). For more information, visit ASMI’s website at

Cautionary Note Regarding Forward-Looking Statements: All matters discussed in this press release, except for any historical data, are forward-looking statements. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. These include, but are not limited to, economic conditions and trends in the semiconductor industry generally and the timing of the industry cycles specifically, currency fluctuations, corporate transactions, financing and liquidity matters, the success of restructurings, the timing of significant orders, market acceptance of new products, competitive factors, litigation involving intellectual property, shareholders or other issues, commercial and economic disruption due to natural disasters, terrorist activity, armed conflict or political instability, changes in import/export regulations, epidemics and other risks indicated in the Company’s reports and financial statements. The Company assumes no obligation nor intends to update or revise any forward-looking statements to reflect future developments or circumstances.

This press release contains inside information within the meaning of Article 7(1) of the EU Market Abuse Regulation.

ASM International N.V will host an investor conference call and webcast on Friday, February 26, 2021, at 15:00 p.m. Continental European Time (9:00 a.m. – US Eastern Time).

The teleconference dial-in numbers are as follows:

  • United States:          +1 646 7413 167
  • International:            +44 (0) 8444 819 752
  • The Netherlands:     +31 (0) 20 79 566 14
  • Access Code:          9692511

A simultaneous audio webcast and replay will be accessible at


Investor and media contact:

Victor Bareño
T: +31 88 100 8500
E: [email protected]

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts | Fintech Zoom



Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

By Daniel Tay · February 25, 2021, 4:46 PM EST

Menard can’t get sales tax offsets based on uncollectible debts from purchases made on its private-label credit cards because the debts were owed to Capital One, the card-issuing bank, and not…

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

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