Library Matters

Library Matters is a podcast by Montgomery County Public Libraries exploring the world of books, libraries, technology, and learning.
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Library Matters is a podcast of Montgomery County Public Libraries (MCPL) in Montgomery County, MD. Each episode we explore the world of books, libraries, technology, and learning. Library Matters is hosted by Julie Dina, Outreach Associate, Lauren Martino, Children's Librarian at our Silver Spring branch, and David Payne, Branch Manager of our Davis branch and Acting Branch Manager of our Potomac branch.  

Jan 8, 2020

MCPL speaks to the MoComCon event chairs and learns what is in store for MoComCon 2020.

Dec 3, 2019

MCPL Director Anita Vassallo, talks shop with Julia and Lauren, discusses how she got to where she is today, her interactions with people throughout her career and tells her vision for the future of MCPL.

Title: #55 – Meet MCPLs newest Director, Anita Vassallo

Summary: MCPL Director Anita Vassallo, talks shop with Julia and Lauren, discusses how she got to where she is today, her interactions with people throughout her career and tells her vision for the future of MCPL.

Recording Date: November 5, 2019

Guest: Anita Vassallo, Director, MCPL

Hosts: Lauren Martino, Julie Dina

What Our Guest is Reading:

South of Board – by Pat Conroy

The Secret Commonwealth – by Phillip Pullman

Human Comedy – by William Saroyan

Murder on the OL’Bunions – By S. Dionne Moore

May 29, 2019

Listen to the audio

David Payne:  Welcome to Library Matters with your host David Payne.

Julie Dina:  And I am Julie Dina.

David Payne:  And for today's episode we're turning to summer, read and learn the MCPL Summer Reading Program and joining us today, we welcome the return of two guests who are very knowledgeable in that subject.  Both members of the MCPL Summer Read and Learn Committee, Christine Freeman, the Acting Branch Manager and the Olney branch, welcome back Christine.

Christine Freeman:  Thanks for having me.

David Payne:  And Amy Alapati, the Head of the Children's Services at Damascus Library.  Welcome back Amy, good to see you again.

Amy Alapati:  Thanks, it's exciting to be here.

David Payne:  And to begin with, let's talk a bit about the Summer Read and Learn Program.  As we head into summer, the weather is warmer or hopefully weather's warmer. School's out, summer camp is in, people go on vacation.  But why is Summer Read and Learn so important as a program?

Christine Freeman:  So summer reading programs help to prevent summer slide according to American libraries magazine, children who read four to five books over the summer help prevents them from experience a loss in reading achievement.  We know that children from low income families are at the highest risk for summer learning loss and summer reading is a way that the library can help to close the academic achievement gap.  And also it's fun.

David Payne:  It's fun too yeah.  Amy, do you have anything to add?

Amy Alapati:  Well, as with any learning, any skill that we learn, if we don't practice it, we easily forget it.  So practicing reading during the summer helps keep up that scale.  But on top of that, the Montgomery County Public Library Summer Reading and Learning Program, engages kids and connects them to books and literature in a fun way, combining reading with hands on activities.

David Payne:  There you are, you heard it the fun way.

Julie Dina:  It sounds great.  Well, now that we know how important it is to read over the summer, can you tell us specifically about MCPL Summer Read and Learn Program, for example, when does it start, when does it end and things like that?

Christine Freeman:  So the program will start on June 15th that's a Saturday after kids get to school and it would be ready at the branches to sign people up, sign kids up.  It does end on August 31st that's the last day of our program.

Julie Dina:  Amy?

Amy Alapati:  If you want to know how to sign up for the Summer Reading Program, it's all online through the library website.  We use an interface called Beanstack.  So you can sign up at home using your own computer or tablet or you can sign up in person at the library.  Either way, you need to make sure to visit the library in person to pick up your game board and your minor league baseball ticket at the information desk of any Montgomery County Library after you sign up.

Julie Dina:  And now can anyone participate in this program?

Christine Freeman:  We do have programs for zero to age 17, so we have a program for little ones, early literacy zero to five.  We have an elementary school program, six to 12 and a team program 13 to 17.

David Payne:  So, does one need a library card to take part in the read and learn?

Amy Alapati:  No, you don't need a library card, although it would be great to get one because it is free and it gives you access to tens of thousands of books, movies, audio books, exclusive online resources and so much more.

David Payne:  And is there a theme this year?

Christine Freeman:  There is a theme, it's a universe of stories in celebration of the 50th anniversary of the moon landing this summer and we will be celebrating all things space.

Julie Dina:  And for those who cannot see – actually David is already celebrating…

David Payne:  I’m already into it already…

Julie Dina:  Because he's wearing a tie with the moon and space, but that's really cute and fun.

David Payne:  Yeah.

Julie Dina:  Now, now that you've mentioned there's a theme, if there's a way we can talk a little bit about the team program for this year, because I know for my outreach I do get a lot of teens asking me if they have anything specific for teens during the Summer Read and Learn Program.  Can we touch a little bit on that?

Amy Alapati:  So teens also sign up online and track their activities online, but instead of a game board, they'll pick up a bookmark and each time they complete an activity and log it online, they'll earn a raffle ticket.  The activities include things like sign up for summer reading, that's an easy one.  Read for one hour, attend a library program and write a book review.  They can repeat those last three activities as many times as they want to earn more raffle tickets, but now that they've earned the raffle tickets, they're eligible for two different types of raffle.  One is a branch raffle and the other is a system wide raffle.  The branch raffles for free books are held every other Friday in July and August.  Teens just need to earn at least three raffle tickets to be eligible for those.  But there are also county wide raffles to win themed prize packs, including one with a classic Super Nintendo.  For those raffles, teens have to earn at least six raffle tickets by August 31st and they get one entry per person.  The drawing will be held on September the 3rd and there are eight different themes for those prize packs.  Did you want to hear more about those?

David Payne:  I think so, yeah.

Amy Alapati:  All right, so there's the at the movies theme, which includes an AMC gift card, popcorn, drinks, candy and books.  There's a book nerd themed Bundle that includes a kindle fire and several author autographed books and a bookmark.  There's an Instax pack, which is an Instax Mini 9 camera.  The case, the film that goes with it, Selfie Lens and a Color Lens, a photo album, a frame and some stickers.  The forth pack is a Harry Potter Pack, which includes the board game, Harry Potter Clue, a coloring book, a Griffin door water bottle, a Mischief Managed PopSocket.  There's a gaming bundle that includes that Nintendo classic edition, also a $25 GameStop Gift Card and a Game Boy Stadium Cup.  There's a music lover pack that's includes a $25 iTunes Gift Card and Mpow Bluetooth headphone set and Oontz Angle Bluetooth speaker.  There is an artwork pack with an iPhone charger, a sticker face set, a coloring journal and markers, pen and pencil set.  There's a doodles notebook in that and a watch from a draw at the game and a flipbook kit.  There's a lot packed into that one pack.  And the final one is an anime and Manga themed box, which includes a Bento box, Manga drawing book and kit, a Crunchyroll mystery box, Origami paper and a book and some chopsticks.

Christine Freeman:  Lots of fun stuff.  And I've played that classic and yes it's lots of fun.

Julie Dina:  I've got to say though, after hearing all those prizes, can I be a teen again?

Christine Freeman:  We’re hoping it will inspire them to come, look at our programs and do lots of activities in reading with us this summer.

David Payne:  Certainly a great selection.

Julie Dina:  Yes.

David Payne:  So if someone is lucky enough to bet to be a winner, how will they know they've won a raffle prize?

Amy Alapati:  A staff member will contact them by email or phone number.

David Payne:  Okay.  What’s the last date for actually picking up the prizes?

Amy Alapati:  For the teen program, the raffle doesn't happen until September.  So there will be a deadline given then, but for the kids program, the last day to pick up prizes is August the 31st, and we will notify about individual branch prizes for raffles and those – the staff will let them know when the last day the pickup is.

Julie Dina:  Well, it's known that generally for summer reading it always comes with lots of reading, but this year everyone's wondering are there going to be other activities which are not just limited to just reading books for our Summer Read and Learn Program?

Christine Freeman:  We do have many activities that kids can choose from.  They can actually read a book or do an activity depending on what the kids want to do.  So the activities might be like go out and look at constellations in the sky, visit our local planetarium, read a book outside with your caregivers, lots of fun things to choose from.

Julie Dina:  So sort of like different activities for 1000 books, where it's not just limited to reading and you can sing along?

Christine Freeman:  Exactly.  And if you have children that are preschool, toddlers or babies sign up for both 1000 books and summer reading, because then you get double the prizes and its lots of fun.

Julie Dina:  Yes.

David Payne:  Going back to the prizes and I've been asked this question, can you explain to us why does MCPL award prizes for summer reading?

Amy Alapati:  Well, kids who love reading will always read just for the fun of it.  They don't really need any incentives to get them to read, but some kids need extra encouragement to read and they're exactly the kids who can benefit the most from reading throughout the summer.  So since they're a little more reluctant to read, we offer small incentives or prizes to make it even more fun.

Christine Freeman:  And we hand out those incentives, we always make a big deal about the accomplishments.  We do a lot of praise, a lot of well done, good job and try to help them find more books to read or other activities to pick out as they go along.  And this is the first year that MCPL will be giving away books as prizes for those kids that complete, we’re very excited.

Julie Dina:  We know everyone looks forward to the highlights of activities and events for the summer read and learn program.  What are the highlights you'd like to share with us today?

Christine Freeman:  Well, each library has a variety of special events for kids of all ages.  So you need to check the website for a complete listing.  That's  But to give you some examples, there are family science nights, there are puppet shows, dance programs, magic shows, music, live reptile shows, weekly story times, stem workshops, including those by Energy Express and science in the summer, there's read to a dog at many libraries, there are coding and animation workshops, book clubs, makerspaces, live farm animals, a traveling planetarium and at least one laser light show.

Christine Freeman:  So if you have children at home bored and you don't know what to do, take them to the library.

Amy Alapati:  And it's all free.

Christine Freeman:  Free, it can't get better than that.

David Payne:  That’s right.

Julie Dina:  Do they have to register for any of these events?

Amy Alapati:  Each library has a different system and it can vary from program to program even within the library.  So some libraries might give out free tickets just before the program starts.  Some might start giving them out in a week or week or two, in advance.  Some of them will have online registration, but it depends on the event.  So it's definitely important to check the website or check with your local library to find out how to register or get a ticket or just show up for the program that you want to attend.

David Payne:  So Amy and Christine, you've had quite a bit of involvement over yes with MCPL Summer Read and Learn Programs.  What do you both enjoy about the Summer Read and Learn Program?  Let me start with Christine.

Christine Freeman:  I think for me it's a sense of accomplishment when a child finishes and they come in and it's very exciting just to see how their eyes like light up and you hand them little prizes, because for them that's important.  They accomplished a lot by doing all these activities of reading over the summer.  So I never get tired of that, it's always exciting for me to be out on the desk when the kids come up.

David Payne:  Right.

Amy Alapati:  It lets us make a real connection with the kids when they come in to tell us what they've read and how excited they are, but like selfishly I also love decorating for the theme to get everyone excited about joining.  And especially this year, because I'm a real science fiction fan, I love astronomy; I wish I could be a space explorer.  I like dressing for the theme, so you will find me in some pretty spacey outfits this year.

Christine Freeman:  And just to know that she does have constellation pants on and star slippers on and a moon shirt.

Amy Alapati:  Just to get in the mood.

Julie Dina:  Christine, did you have anything to add to it?

Christine Freeman:  I think just I loved the chaos in the summer.  I love when all the kids are out of school and asking for books and I just love that, I feed off it, it’s an exciting time.

Amy Alapati:  They bring an energy.

Christine Freeman:  Yes.

Amy Alapati:  A tangible energy to the library in the summer, that's really exciting for all of the staff.

Christine Freeman:  And if you're like me, you feed off of the excitement of summer reading.

David Payne:  And it was nice to see you know children who you've introduced to the library during the summer, then you see them again over the course of the school year.

Amy Alapati:  Yes.

Christine Freeman:  And we do try to do class visits and we do see those kids in the classroom come into the library and say, “Oh, I remember you at our class.” they come and visit us.

Amy Alapati:  Even sometimes when you're at the supermarket and they're 20-years-old and they say, “I remember you came to my classroom 10 years ago and taught about summer reading.” It's great.

Julie Dina:  What a great feeling.

Amy Alapati:  It makes a real impact on their lives, it does.

David Payne:  It does and they remember, yeah, absolutely yeah.

Julie Dina:  So with all that excitement going on, will the library be providing a summer reading list this year.  I know in past years we always have and if we are doing that this year, how can customers find that list?

Amy Alapati:  The lists are all on the library website on the summer reading page.  So the links to the graded book lists are there and they're there all year round.  So, once the lists for 2019 go up, they will stay on there until 2020 rolls around on the kids' site.

Christine Freeman:  And don't forget that we do have book lists for babies, toddlers and preschoolers on a 1000 books before kindergarten website as well.

David Payne:  So talking of reading this, could you both recommend any good books for this summer or ones that fit this year summer reading theme Christine?

Christine Freeman:  So I brought with me today ‘The First Men Who Went to the Moon’ by Rhonda Gowler Greene and this is a nonfiction book, pretty new, I think that would appeal to lots of lots of kids.  And then I brought one of our new VOX books.  So VOX books are books that can talk and they can read along with your children.  And I have a book in front of me called ‘How do Space Vehicles Work’ by Buffy Silverman.  I'm pretty sure I'll be taking this home for my grandson when he comes to visit.

Amy Alapati:  There were so many books I wanted to talk about right now, so I'll just talk about a few.  And Christine mentioned one of them, ‘The First Men Who Went to the Moon.’  But Frank Cottrell Boyce has written a book called Cosmic for it's a children's fiction chapter book and also he wrote ‘Sputnik’s Guide to Life on Earth’ and they're both funny and poignant and charming and have appeal to both boys and girls.  ‘Armstrong: The Adventurous Journey of a Mouse to the Moon’ by Torben Kuhlmann in our children's fiction collection is another good one that is mostly illustrated with amazing illustrations, but not quite a graphic novel.  Although ‘Cleopatra in Space’ by Mike Maihack is a graphic novel that kids would enjoy.  ‘Mousetronaut’ by Mark Kelly if you're looking for a picture book, would be an excellent choice.  He Mark Kelly is of course an astronaut and he wrote a charming picture book about a little mouse that goes to space and he notes that it is mainly a true story.  I wonder which part is not.  ‘Spaced Out’ by Stuart Gibbs takes place completely on the moon for mystery fans that would be a good choice.  Some nonfiction that I enjoyed recently, Almost Astronauts, 13 women who dared to dream about women who were in the space program in the 1960s and didn't get to be astronauts, but were in the space program.  So that was an exciting one by Tanya Lee stone.  And another children's nonfiction book, ‘The Sun is Kind of a Big Deal’ by Nick Seluk, Sun is a Big Deal, it keeps us alive and you can find out how by reading that book.

Julie Dina:  It sounds really good, Amy.

Amy Alapati:  There are so many more, but…

David Payne:  That's a great stock.  Christine, you mentioned the VOX books.  Can you just take a minute to tell us what makes them different rather children's books and where can they be found in the library?

Christine Freeman:  So this can be found in our libraries throughout Montgomery County Public Library System.  And so you can actually turn them on and they will read to your children.  So after you've read the book for the 10th time and they want to read the 11 time, you can let them listen to it and they can actually read along with the book.  Look at the pictures, see how the words connect to the sounds really, really cool and very popular.

David Payne:  They are indeed, yeah.

Amy Alapati:  My favorite part of the VOX books is that the little sound that they make to let the children know when to turn the page often is reflective of the topic of the book.  So the book about helicopters, it's the sound of a helicopter…

Julie Dina:  Taking off?

Amy Alapati:  Yeah, taking off and I just think that that's really creative.  The duck one has a little duck quacking every time it's time to turn the page, so.

Christine Freeman:  What I like about this, like when we were kids, we had the cassette, right? You put the cassette in and it comes unwound, I’m showing my age here.  But these ones all one piece, you can't lose a part of it, so that's great.

Amy Alapati:  And they can use them with ear-buds or listened to them from speaker that's included in the phone.

David Payne:  Yup.

Julie Dina:  You know when I listen to the two of you, your excitement and you know I can see it in your eyes how you love talking about summer reading and you know all the great things that come along with it.  Now that we've touched on that, could you share any memory that you have either with your children or at any of the branches where you’ve worked in relationship to summer read and learn program?

Amy Alapati:  Well, professionally one of my favorite memories is one year we were putting the kids' names up on the wall as they finish the program and we would trace each child's hand and then they would cut it out and they would write their name on it.  And so we had this whole wall of all different size hands, all different colors.  It was just charming all those little hands up on the wall.

Julie Dina:  Ooh.

Christine Freeman:  I think for me at Noyes, we present a medal when they do the challenge, which is when they do 12 planets this year.  And what we like to do at Noyes is when we give the medal, we announce the name and everybody who's in the room will start clapping.  So you can just see how excited and how much pride they have when we put the medal over their heads and when everybody is clapping for them, it’s so exciting.

David Payne:  Now we talk about the importance of reading over the summer period.  What are some tips that you can share for parents to encourage their children to read over the summer?  I’ll start with you Amy?

Amy Alapati:  Kids are great imitators, if they see their parents and the other adults in their lives dedicating time to reading, they'll get that it's important and a fun thing to do.  Family read alouds are a great way to involve everyone.  Even when your kids are old enough to read on their own, you can try a chapter a night together and if you're going on a road trip, you can check out some of the audio books to listen to in the car.  You can get them on CD or you can check them out electronically.  Pick something the whole family will enjoy and then talk about what you're listening to.  And you can always ask a librarian for suggestions if you're just not sure what to choose.

Christine Freeman:  I think it’s important we want to make sure that reading is an enjoyable activity.  It is a matter of what they're reading, if they are reading graphic novels, nonfiction, electronically they’re listening to it or they are reading on a kindle or an iPad.  As long as they're reading, it's going to help them in the future.

Julie Dina:  Well, it's that part of the show where we usually like to ask our guests what they're currently reading.  Let’s start with you, Christine, what are you currently reading?

Christine Freeman:  I'm currently reading ‘Before the Devil Breaks You’ by Libba Bray, is part of the Diviners series.  I really like it, it's a YA novel and I just finished reading, One Good Thing about America by Ruth Freeman.  We're going to start our social justice book club this month at Olney, and that's the book we'll be discussing this month.

Julie Dina:  Amy.

Amy Alapati:  And like Christine, I’m never reading just one book.  So I'm reading a children's ghost story called Trace, it's by Pat Cummings.  I'm also reading a children's science fiction story by Margaret Peterson Haddix called The Strangers, it's her new series.  And in the car I'm listening to Unfamiliar Fishes by Sarah Vowell, which has a history of Hawaii.

David Payne:  Some great multitasking there.

Julie Dina:  Yes, they're the super-fun librarians.  Well, I want to thank both of you for coming to the show this afternoon and sharing all those wonderful news about Summer Read and Learn.  Let's keep the conversation going by following us on Twitter, Facebook, Instagram and Pinterest.  Don't forget to subscribe to the podcast on the Apple podcast app, Stitcher or wherever you get your podcasts.  Also, please review and rate us on Apple podcasts, we'll love to know what you think.  Thank you once again for listening to our conversation today, see you next time.

May 28, 2019

Summary: Librarians Christine Freeman and Amy Alapati talk about MCPL's upcoming Summer Read and Learn program, which starts June 15 and runs through August 31. This program offers children and teens fun incentives to read and learn all summer long. There will be amazing events at MCPL branches throughout the summer as well. Join us for the fun!

Recording Date: May 9, 2019

Guests: Olney Branch Manager Christine Freeman and Children's Librarian Amy Alapati

Hosts: Julie Dina and David Payne

What Our Guests Are Reading:

Christine Freeman: Before the Devil Breaks You by Libba Bray and One Good Thing About America by Ruth Freeman

Amy Alapati: Trace by Pat Cummings, The Strangers by Margaret Peterson Haddix, and Unfamiliar Fishes by Sarah Vowell

Books Mentioned During This Episode:

Almost Astronauts: 13 Women Who Dared to Dream by Tanya Lee Stone

Armstrong: The Adventurous Journey of a Mouse to the Moon by Torben Kuhlmann

Cleopatra in Space by Mike Maihack

Cosmic by Frank Cottrell Boyce

The First Men Who Went to the Moon by Rhonda Gowler Greene

How Do Space Vehicles Work? by Buffy Silverman

Mousetronaut by Mark Kelly

Spaced Out by Stuart Gibbs

Sputnik's Guide to Life on Earth by Frank Cottrell Boyce

The Sun Is Kind of a Big Deal by Nick Seluk

Other Items of Interest:

Social Justice Book Club for 4th-6th Grades at Olney Library

 Read the transcript

Apr 19, 2019

Listen to the audio

David Payne:  Welcome to Library Matters, I'm David Payne.  And on today's episode, we're going to be looking at the vinyl revival, the renewed interest and the increase sales of the gramophone record and how it ties in with MCPL second annual vinyl day.  And who better to have as our guest today than MCPL's very own music man Twinbrook Branch Manager Eric Carzon.  Welcome back, Eric. 

Eric Carzon:  Hi, good to be back. 

David Payne:  Eric, of course, has been on several podcast talking about music-related matters and he's also in charge of Twinbrook's collection of musical instruments.  How is it going Eric? 

Eric Carzon:  Oh, it's going great. 

David Payne:  Oh, very good.  So let's start off by talking about the upcoming Vinyl Records Day.  What do we need to know?  Where, when, what? 

Eric Carzon:  All righty.  So, Vinyl Record Day is on Saturday, April 27th at the Silver Spring Library and it's from 12 p.m. to 4:00 p.m., so you do not need to register in advance.  And some of the highlights of what's going to be going on at the vinyl record day, we're going to preview some clips from the upcoming documentary, Feast Your Ears, that's about the famous radio station WHFS 102.3, so the original HFS.  And one of their deejays, Cerphe Colwell is going to be there to kick that off and also signs some of his books.  WHFS was very famous starting in the '60s, played a very eclectic mix of music. 

Some folks in more recent years might remember it as WHFS 99.1 where it played a progressive alternative rock for a number of years before being bought out in 2005 and changing formats.  And then it sort of has a colored history after that, going in and out of different formats and bouncing around all over the country in different incarnations.  We also are going to have a panel discussion on vinyl record recording a collecting with some folks that are in the industry and we are going to have our – do again our famous arts and crafts with vinyl records, which was a big hit last year.  So that's a great family activity. 

We also are going to have our first ever Make Music Montgomery Talent Showcase, so we did some auditions earlier in the year.  We're going to have several talented folks from our community play us some music.  We're going to have a couple celebrity community judges who do local things in the music scene here.  And they're going to provide some commentary and select some of the best acts from Make Music Montgomery.  There'll also be a record sale during the whole thing, so you would be able to buy some vinyl records from the Friends of the Library, Montgomery County.  And, of course, you can dress up as your favorite artist if you wish.  And then to cap it all off, we have a volunteer group who's going to have a record-listening room after the event's over so you'll be able to head up to the fifth floor and listen to some records after 4:00 o'clock. 

David Payne:  That's great.  So something for everybody. 

Eric Carzon:  Yeah exactly. 

David Payne:  Will you be taking over the whole building the whole library or this is – 


Eric Carzon:  No.  This year, most of the actions are going to happen on the third floor and the fifth floor. 

David Payne:  Great. 

Eric Carzon:  So the fifth floor is where the arts and crafts are going to be and the record listening at the end of the day.  And then all of the main events are going to be on the third floor. 


David Payne:  Great.  You mentioned the – sorry.  You mentioned the Make Music Montgomery contest, tell us a bit more about that and how did the auditions go with that? 

Eric Carzon:  Oh, great.  Yeah, so the auditions for Make Music Montgomery went great.  Well, we tried to make it as easy as possible.  So if you're interested in doing this next year, we do it next year.  We had people submit audio files basically and/or video files we said, you know.  Basically, submit us any current format that's readable.  We didn't have any problem with reading the files.  We did have a live audition and a couple of folks took advantage of that.  We just basically made a recording of them.  So we had sort of a subpanel of judges go through the acts and select the best ones.  And so those acts will perform at Make Music Montgomery on Vinyl Record Day.  And that should be a good time.  We sort of stole the page from America's Got Talent.  So, we're going to do a nice version.  You know, there's no mean judge in there. 

David Payne:  Was there a great diversity in the type of performances and the type of – 


Eric Carzon:  We tried to get as much diversities as we can.  You're going to see, there's a – some – from the Chinese community, there's going to be – they're playing the zither, a Chinese instrument, and doing some dance along with the zither playing.  We got some ukulele guitar.  We have original songs from the diversity of artists.  And then, so we'll pick like an overall best act and the most physically challenging, the most original, the best tribute to an artist, and the most charming, the sort of the crowd-pleaser acts are some of the categories that we have. 

David Payne:  So we had a very first Vinyl Day last year.  From that, what learned from that kickoff?  What are the changes that you made this year?  How did you go about sort of thinking about this second year? 

Eric Carzon:  Yeah.  I think we tried to tighten the focus a little bit.  So that's why most of the actions are on the third floor, a little bit on the fifth floor.  We put in Make Music Montgomery to break up the panel.  I think we had, like, a speech and two panels last year.  So we tried to make it a little more active in terms of our – in terms of our programming. 

David Payne:  Do you anticipate a large crowd this year? 

Eric Carzon:  I certainly hope so. 

David Payne:  Yeah, yeah, yeah. 

Eric Carzon:  You know, but, you know, as long as – as long as whoever comes has fun, then we'll be happy. 

David Payne:  And, again, looking back at last year, what are some of your favorite moments from that first one? 

Eric Carzon:  I think watching the kids eat up their crafts was really great.  You know, there's a lot of energy there.  Just people enjoying the records, you know, because there are some – there are some gold in there – in those records, you never know what you're going to find. 

David Payne:  Right. 

Eric Carzon:  And then the people are really engaged in the panel discussion.  They had a nice discussion about collection, about playing them on the radio and about the artists. 

David Payne:  And what can we expect from the Friends of the Library record sale this year? 

Eric Carzon:  There's a good diversity of records because, you know, people donate constantly to the Friends of the Library.  So a lot of the genres are represented.  You know, sometimes you'll encounter something fairly rare.  You might encounter – you know, I've got one that I bought that was signed by the artist.  So, you know, there are stuffs that sometimes people don't know what they have.  They throw it away and don't realize that oh, you know, I've got a, you know, I've got a Michael Jackson records signed by Michael Jackson or something. 

David Payne:  So it's clear from Vinyl Day and your experience it and the trends that we're seeing that people are still very clearly listening to vinyl.  Why do you think in a world in which technology has greatly changed the way in which we listen to music, what is it about, a basic glossy seven or 12-inch disc that makes it so attractive to people? 

Eric Carzon:  Oh, yeah, there's a few things about vinyl.  I think that the vinyl record highlights the album experience.  So, you know, some of the restrictions of the format are actually some of the benefits.  So you've got fixed amount of time, about 50 minutes to make that impression.  And for decades, artists, you know, utilized that to really craft an experience.  So I think that is still a benefit of the vinyl record experience.  And, you know, it's sort of a reaction to the digital, which, you know, has its benefits.  I mean, I – I'm a fan of both.  And, you know, the great thing about digital music is it's very portable. 

You got thousand songs in your pocket.  You can make mixes.  So, you know, you can have Sting and Elton John and Nickelback on the same mix if you want.  And, you know, if you want to throw Ella Fitzgerald, great.  But there is something to be said for absorbing an artist conception of, like, you know, "I'm an artist, you like me.  You like my music, I'm going to give you 15 minutes of an experience."  It's like listening to a story or reading somebody's book.  So that is also an experience.  I think another thing about it is there's an element of nostalgia. 

David Payne:  Yes. 

Eric Carzon:  I mean, you know, a lot of us grew up with vinyl records, you know, that was my first music experience.  So I think we have fond memories when we re-experience vinyl.  And, you know, we like the scratch or the sort of – the rhythmic pulse of the thing going up and down and there's sort of a slight background hiss that's there, and turning the record over and the A side and the B side.  So those are all things that resonate with people. 

David Payne:  Plus the actual covers themselves. 

Eric Carzon:  Yeah, I agree.  And that's a – you have a lot more flexibility with the cover art.  You can do a lot more, you can actually read.  I mean, the frustrating thing with CDs is you really can't read the words or any of the things in the cover art.  So I think that is also an element.  And, you know, like I said before, it's not an all or nothing proposition.  The way I like to think about vinyl records now is it's kind of a luxury experience, you know.  It's kind of like the dessert to your meal or your after-dinner coffee or maybe owning an antique car.  You know, you're probably not going to drive your antique car to the grocery store but on that perfect Sunday or if you're having people over, you know, you're going to show them to your garage and say, "Here's my antique car." 

So I look at vinyl records the same way.  It's like you want to have a sort of special experience, you'll like, "Hey, let's have a special music listening experience."  And then you can – and you can pull it out.  And, you know, there is also an element of it's a different sound experience.  And I'm not an audio file but there are arguments to trade back and forth over which formats have which advantages.  You know, there are certainly people in the camp that will say that the vinyl record is actually the superior audio experience.  That the analogue recording and playback captures more fully the actual intent of the artist in the full sound spectrum as opposed to the digital music. 

There are digital audio file that will tell you, "No, no, no, it's the opposite," you know, if you look at the parameters or whatever, you know, if you listen to high fidelity, high quality digital audio, it's like, you know, sonically better.  You know, for me, I ditched all that and just go, "Well, you know, what are you in the mood for?  And what is your purpose?" you know.  If I'm going on a six-hour drive, then digital music is great and I can make – I can make a six-hour mix if I want to very easily.  You're not going to do that with vinyl.  But, you know, if I want the vinyl experience then, it definitely has its benefits. 

David Payne:  So that takes me to my next question that you partially answered.  How does the sound quality of the vinyl record compare with other recording formats? 

Eric Carzon:  And I think for me, it's just mostly a difference in the experience, you know, the – one of the things – especially I remember back when CD started to come in to play, the absence of the background noise threw some people because vinyl records have a very distinctive beginning and end background noise and mechanical noise.  And, you know, some people like that.  Digital music actually there are so many different qualities of digital music like, you know, the MP3 format.  It's intentionally less music.  So there is less there.  And if your ears are that attuned, you would be able to tell the difference in listening the MP3 file, there is less sound there and they do that in order to compress it down and create less data so you can fit more songs on to a given length of digital media.  But, you know, CD quality versus vinyl quality is sort of one of those arguments on media that the people argue back and forth.  But to me, it's really more about the experience. 

David Payne:  So are there any new developments in vinyl, particularly thinking of how they're made these days? 

Eric Carzon:  Yeah.  Apparently so.  I've done a lot of research.  You know, I'm no expert but I did read up on a couple of articles in our area, for instance, there is a new vinyl record press, and that's sort of a trend.  So there's been a few and – like I was reading an article from the and they said that – they were talking about how presses were opening up in five different continents, including United States.  And one of the more recent ones in our area in 2018, the Furnace Record Pressing Company opened a new press in Alexandria, Virginia.  And if you go to their website, you'll see they're very active. 

They've got pricing and you can – if you want to go press yourself a vinyl record, you've got a new source to do that.  And the other thing that – I was reading an article in Popular Science magazine and they were talking about a company called Viryl Technologies that developed a new vinyl record press.  And that was an accomplishment because up until a couple of years ago, most of these record presses were basically scouring the world for old vinyl presses that had been left over an then they were refurbishing them and restoring them to working order and then running their presses. 

And so there's actually been a lot of pent up demand because that was a very slow process, they break down a lot, it's a very messy and difficult manufacturing process.  So this company invested and created a brand new.  I think the model number is called WarmTone.  But they created a brand new record press which hadn't happened in awhile.  And according to their website, the Furnace Record Press, for instance, is using one of their new models and so are few other companies around the world.  So the fact that they're sort of reinventing the pressing process and, you know, taking 20 or 30 years' worth of technology advancements, I'm sure that the new press is probably more efficient than the old press. 

David Payne:  Right.  How much do you think as an aside institutional knowledge about the whole process, the record press process, I mean, was it Sony I was reading when they decided to go back into the world of gramophone records?  They had a hard time finding somebody old enough to remember how to – how to manufacture them. 

Eric Carzon:  Yeah.  I'm sure it's an issue, and that's one of the questions that we'll probably come up in the panel discussions at the event because I think we're all interested to hear a little bit about that. 

David Payne:  Yeah. 

Eric Carzon:  I did.  You know, in fact, there are some new tech – the other new technology I was reading about is there is supposedly some work going on on a new vinyl format, so really like high definition vinyl.  So that would be interesting.  But the fact that the Viryl company, you know, they had to gain enough expertise to be able to invent a new format.  So that's – I think that's a probably good for the industry that they're, you know, getting some people to invest in new knowledge.  And, theoretically, they probably had to catch up on the old knowledge in order to be able to do that. 

David Payne:  So for anybody who wants to get into the world or develop their collection of vinyl records, how does one go about developing a great collection of vinyl? 

Eric Carzon:  Well, if you got a relative that might be a starting point.  But, actually, there are – we're blessed with a lot of local record shops.  A few that come to mind; there's Joe's Record Paradise and The Record Exchange.  Those are both in Silver Spring, pretty close to each other.  Barns & Noble has a pretty – I'd like to say about a third of their media section is devoted to vinyl now.  And it's interesting, it's a mixed of old and new vinyl.  So, you know, if you go and you browse, you're going to see like remix of classic vinyl albums but then you'll also see like the latest, you know, the artist's very latest album, you know, pressed out there vinyl. 

So a little of both is going on.  Now, the Barns & Noble and the new – the new records are actually more expensive than CDs but, you know, by a – not insubstantial factors as far as I can tell.  But there is a wealth of used records as well.  So the Friends of the Library bookstores, both of them, one Rockville and the one in Colesville Road, the old Silver Spring Library site, and eventually will move back to the Wheaton Library when Wheaton reopens.  Both of the Friends of the Library book sales have a substantial record collection that you'll see at the festival.  And the other place that has a pretty substantial used record collection that I've seen is Wonder Book in Gaithersburg. 

David Payne:  Yes, yes. 

Eric Carzon:  And they've got like a whole room dedicated to vinyl.  So there are lots of different places, you know.  You could probably hit yard sales as well.  Although, the – since you don't know what temperature control the user kept their records in, so a little more dicey. 

David Payne:  That's right, yeah, buy everywhere.  Yeah. 

Eric Carzon:  Yeah, absolutely. 

David Payne:  Would you know particularly with new vinyl, are we seeing new vinyl in sort of across the board in terms of the various musical genres and classical, jazz, rock or is it more confined to a particular type of music? 

Eric Carzon:  I haven't shopped enough to fully tell.  But as far as I can tell, there is a bit of diversity.  Yeah.  Especially with the – I'd say the more I've seen is actually the pop. 

David Payne:  Oh, yes, yeah. 

Eric Carzon:  You know, like soft – the sort of pop artist seemed to have a lot of vinyl coming out. 

David Payne:  Yeah.  Looking ahead, do you see the vinyl revival continuing to grow as much as it has in recent years? 

Eric Carzon:  Yeah.  I think the jury is out on that as well.  I think that the fact that the industry is invested in new pressing factories because that is a substantial capital investment. 

David Payne:  Right. 


Eric Carzon:  So, I think that suggest that they believe that the trend will continue enough to remain stable enough for them to make that investment. 

David Payne:  Right.  Yeah. 

Eric Carzon:  Personally, I don't see vinyl ever resuming its dominant role. 

David Payne:  No. 

Eric Carzon:  But I could totally see it as kind of this stable niche of this luxury music experience. 

David Payne:  Right. 

Eric Carzon:  You know, it's not going to be for everybody and it's, you know, not even for people who like it.  Imight not be their mainstay of how they absorb music but, you know, it's kind of a – it's a reachable luxury, you know, it's a hobby you can have.  And I personally think that it will remain that way for some time. 

David Payne:  And who would have thought that it would have developed the way it did, so. 

Eric Carzon:  Yeah, yeah. 

David Payne:  So, amongst your vinyl collection, do you have a favorite album or song you listened to on vinyl? 

Eric Carzon:  Yeah.  I've got a couple.  My favorite vinyl album of all time, I think, Janis Ian, Between the Lines.  And I like the whole album experience.  I love that.  My mom was a big Gordon Lightfoot. 

David Payne:  Oh, yeah. 

Eric Carzon:  So I got the bug as well and I love his first album actually.  It's his very first album that was great and I listened to it over and over again.  I used to listen to Barbra Streisand's Greatest Hits Volume 2 over and over again, Billy Joel and Elton John.  And one I've actually been looking for, I regret, I don't know – you know, I was a kid when I listened to it but I don't know how it got lost or destroyed or whatever, but I used to have a soundtrack of Star Wars that had the music and the dialogue. 

David Payne:  Oh, nice.  Yeah. 

Eric Carzon:  And so, you know, and I got it right when the movie first came out in '79 and I listened to that thing to death.  And I had the whole dialogue memorized.  And I have looked high and low for that record, even in CD format and I cannot find it.  So that was one of my favorites.  And one of these days, I hope to find it again in any format. 

David Payne:  Sounds like a collectable. 

Eric Carzon:  Yeah. 

David Payne:  Yeah. 

Eric Carzon:  Yeah. 

David Payne:  Yeah.  Well, thanks for sharing your personal record collection with us.  And we normally each episode by asking our guest what they're currently reading or a book or something they've recently enjoyed.  So while you're listening to your vinyl records, what are you reading? 

Eric Carzon:  No, absolutely.  So I just finished Adventures of an IT Leader.  And it's a great book.  It teaches sort of serious IT management principles that you would, you know, take in graduate school, but it does it in a guise of story.  So it's like very entertaining, very educational.  It was actually assigned to me in a graduate class so I read it.  And it's in the MCPL collection on RB Digital as an audiobook and I highly recommend it.  I'm about to start the book City on the Line which is by our Chief Administrative Officer.  His name is Andrew Kleine.  And he writes about his experience as the budget chief in Baltimore City during the Great Recession. 

David Payne:  Right. 

Eric Carzon:  And then, finally, since I am the manager of the Library of Things: Music, I do read the Daily Ukulele almost daily.  It's got 365 ukulele songs.  I use it for my monthly program.  And it's a staple of MCPL's music collection, so you can find it in a lot of branches. 

David Payne:  Great. 

Eric Carzon:  And if you're starting out on uke that is the book you want. 

David Payne:  And you're developing your repertoire. 

Eric Carzon:  Yeah, right. 

David Payne:  Yeah.  And for our listeners, you can find details of all those on our show notes.  So, Eric, thank you very much for sharing your vinyl record knowledge.  I hope the Vinyl Day 2019 goes very well.  Good luck with that. 

Eric Carzon:  It's my pleasure. 

David Payne:  And we look forward to Vinyl Day 2020. 

Eric Carzon:  Yeah. 

David Payne:  Keep the conversation going by following us on Twitter, Facebook, Instagram, and Pinterest.  Don't forget to subscribe to the podcast on the Apple Podcasts app, Stitcher or where you get your podcast.  Also, please review and rate us on Apple Podcasts.  We love to know what you think.  Thank you for listening to our conversation today and see you next time. 

Apr 18, 2019

Summary: Vinyl Day organizer and Twinbrook Library manager Eric Carzon offers a sneak peak at the April 27, 2019 event, Just for the Record - A Vinyl Day, taking place at Silver Spring Library He also talks about the appeal of vinyl records and recent developments in the vinyl record industry. 

Recording Date: April 11, 2019

Guest: Vinyl Day planning committee member and Twinbrook Library manager Eric Carzon. 

Host: David Payne

What Our Guest Is Reading:

Adventures of an IT Leader by Richard Austin 

City on the Line by Andrew Kleine

The Daily Ukulele by Liz and Jeff Beloff 

Guest's Favorite Vinyl Albums:

Barbra Streisand's Greatest Hit Volume 2

Between the Lines


The Story of Star Wars

Items of Interest Mentioned During This Episode:

Cerphe Colwell - Former WHFS DJ and author of the book Cerphe's Up: A Musical Life with Bruce Springsteen, Little Feat, Frank Zappa, Tom Waits, CSNY, and Many More

Feast Your Ears - A documentary on the history of the DC area radio station WHFS. 

Friends of the Library, Montgomery County bookstores

Furnace Record Pressing Company

Just for the Record - A Vinyl Day - A celebration of the music, culture, art, and sound of vinyl records. Silver Spring Library, Saturday, April 27, 2019, Noon - 4 PM. 

Library of Things Music - A collection of musical instruments at Twinbrook Library that are available for eligible customers to check out. 

Popular Science article on the first new fully automated record pressing machines in over 30 years. 

Read the transcript

Mar 27, 2019

Listen to the audio 

David Payne:  Welcome to Library Matters, with your host David Payne.

Lauren Martino:  And I'm Lauren Martino.

David Payne:  And for our episode today, we're going to be talking all about money.  There are two important events coming up in the calendar relating to money, one is Money Smart Week, the week of March the 30th to April the 6th, and then April is National Financial Literacy Month. 

Lauren Martino:  Not to mention tax month.

David Payne:  Indeed, how could we forget?  And joining us today I'm pleased to welcome our two guests, Mark Santoro who has swapped his usual technical producer role for guest.

Mark Santoro:  Hello.

David Payne:  And also Angelica Rengifo, who is normally to be found in the outreach department, but she's here, along with Mark, sharing her interest - strong personal interest in financial literacy.  Thanks for joining us, Angelica.

Angelica Rengifo:  Thank you.  Thank you for having me.

David Payne:  So, let's start off with asking you both, what do you mean by financial literacy.  Let's start with you, Angelica.

Angelica Rengifo:  Well, financial literacy can be a mix of financial credit and debit management, and the knowledge necessary to make financially sound decisions.

Mark Santoro:  So, I checked out - I went to Investopedia and checked out their definition of financial literacy, and it goes something like this; financial literacy focuses on the ability to manage personal finance.  It includes knowledge of and the ability to make decisions about investing, insurance, real estate, paying for college, retirement, tax planning.  So, that's kind of a formal definition.  My own personal definition is having the knowledge to control your finances rather than your finances controlling you.

Lauren Martino:  Think you covered it.

David Payne:  Think you covered it, yeah.

Lauren Martino:  So, Mark, how did you become interested in financial literacy, can you tell us a little bit about your financial literacy journey and why you're here talking to us about financial literacy today?

Mark Santoro:  I think basically it was life kept giving me prompts.

Lauren Martino:  Life will do that.

Mark Santoro:  Yes.  So I graduated from college and was living on my own for the first time, in my own apartment.  So there was all the financial aspects of that, finding an affordable apartment, and then what kind of car can you afford.  And that kept happening over the next couple of years; living on my own, getting married, buying a house, so - and every time something like that was coming up that was new to me I turn to books, and that kind of got me into it.

Lauren Martino:  So, and Angelica, can you tell us a little bit about your financial journey, and why this is of interest to you?

Angelica Rengifo:  So, the idea of being debt-free for good, no mortgage, no car loan, no student loans became very appealing to me when I started following people on Instagram.  And I follow people who are minimalists, and then I follow fashion bloggers.  And -

Lauren Martino:  The interesting combination.

Angelica Rengifo:  Exactly.  So, one, you can guess - one group will give me anxiety, and the one to like go, "Oh, I would like to have debt.  Oh, maybe I need that."  And then I will have the other one, the other group, and I'll be like, "I don't need any of this other stuff that I'm hearing from this other group."

Lauren Martino:  Talked a lot about that in our de-cluttering episode, I remember.

Angelica Rengifo:  Yes.  So the idea of just not being a slave to the things that you own, to the debt that you have, and not being able to live your life because you worry about how you're going to make the next payment, it's something that is very appealing.  And also, I guess, seeing family members, I have a cousin, who I believe he was born with this knowledge.

Lauren Martino:  Born with this knowledge.

Angelica Rengifo:  Yes.

David Payne:  That's useful, yeah.

Angelica Rengifo:  Yes.

Lauren Martino:  Wow, that's winning the lottery right there.

Angelica Rengifo:  Yes.  Ever since he was a little, five, seven, he will lend money to adults.

Lauren Martino:  What?

Angelica Rengifo:  He will be able to like save so much that he will be able to lend money to other people and ask for interest.

Lauren Martino:  When he was five and seven?

Angelica Rengifo:  Uh-huh, or nine.  Yeah.

Lauren Martino:  Wow.

Angelica Rengifo:  So, and I didn't get that knowledge, and we were raised in the same household, so.

Lauren Martino:  So, I'm curious what's he doing today, is he a banker or -?

Angelica Rengifo:  No.

Lauren Martino:  No?

Angelica Rengifo:  No, but he's very good managing money.  And yes, I think I will bring him up a little bit more later as well.

Lauren Martino:  If we do the show again we'll have him on there.

Angelica Rengifo:  Yes.

David Payne:  So, you've both given very good definitions as to what financial literacy is and your interest in it.  But can you sum up for us why financial literacy is so important.  Let me turn to you first, Mark.

Mark Santoro:  Well, like I said, you want to be in control of your finances and not the other way around.  And we all have to deal with money.  And the older you get the more complicated it gets.  So, everything from - you start out as a kid and you need enough money to buy that cool toy, and then as an adult, well, you got to think 40 years ahead and make sure you've got enough money for retirement and everything in between.

Lauren Martino:  And every one of those steps seems really pressing, doesn't it, like the toy is.  It's always a big deal no matter where you are.

Mark Santoro:  Right.  Yes, and that's probably one of the big challenges is prioritizing.

David Payne:  Uh-huh, exactly.

Mark Santoro:  So much of it, if you don't know it at all to begin with, know what is a priority.

David Payne:  Right.

Mark Santoro:  And the priorities change depending on your age.

David Payne:  Right.

Angelica Rengifo:  I think I agree with Mark about having that freedom, well being financially independent.  And being financially independent isn't like, "I don't live with my parents anymore." It's more like, "I don't owe the bank X amount of money, and this money I can use it for my benefit."

Lauren Martino:  Uh-huh.

Angelica Rengifo:  So, it's about changing your priorities also.

David Payne:  Changing your priorities in a world where financially there are so many different options right now, different choices for people that you can really get lost in things.

Angelica Rengifo:  A lot of consumerism in our everyday world.

Lauren Martino:  It seems like financial literacy isn't just about money and numbers, it's about your life, and your priorities, and where you're going to put that.

Angelica Rengifo:  And goals, yeah.

Mark Santoro:  Well, yes, that's what I've - I listen to a lot of personal finance podcasts.

Lauren Martino:  Do you have any favorites?

Mark Santoro:  So many.

Lauren Martino:  Sorry, let me put you on the spot then.

Mark Santoro:  We'll get to that.

Lauren Martino:  Okay.

Mark Santoro:  But my point was, one of the things they talk about in like selecting a financial advisor, right - because they always make this distinction on the podcast, "We are not offering financial advice, we are just providing you with information.  Then you've got to go - if you want the nitty-gritty see a professional, right."

Lauren Martino:  Uh-huh.

Mark Santoro:  But one of the big questions is, well, how do you choose a financial advisor.  And one of the things they talk about is, before the financial advisor is asking you about income or debt or whatever, what are your goals, what do you want to do, and you need a direction first before you can start driving the financial car.

Lauren Martino:  Is that a common term that they use, the financial car, or is that your -?

Mark Santoro:  No, that just - I just coined it on the spot.

Lauren Martino:  I like it.  Okay, so this is where it originated.

Mark Santoro:  Right.  You heard it here first, folks.  But yes, the goals are important.  And then you get into the nitty-gritty detail of how much do I have to save towards retirement or what kind of car do I want, et cetera.

Lauren Martino:  Angelica, can you tell us a little bit about how one begins to become financially literate?

Angelica Rengifo:  I will recommend someone to find books, find books that interest you.  It might not be the whole book, as we all are not inclined to read those kind of books for pleasure.  Some people might, I believe Mark is one of them.  But wanting to know where you stand financially will be the first step.

Lauren Martino:  So recognizing you have this need?

Angelica Rengifo:  Yes.  Because nobody is going to put that interest in you, no one is going to change your situation for you.  So, that is, again, being a little bit corny, knowledge is power, and in this sense is very true.

Lauren Martino:  Uh-huh.  Mark, do you have anything to add to that?

Mark Santoro:  It's unlikely that someone's going to say to themselves, "I should become financially literate." So there's going to be a prompt, something's going to bring up this need, either because they have a lot of debts or because there's a life event, like they're buying a house or whatever.  So it kind of depends on where you are.  I mean, ideally you learn some of these - learn about personal finance as a child because your parents are talking to you about it.

Angelica Rengifo:  But it is never too late to start.

Mark Santoro:  But it is never too late to start, and you don't have to know.  If you're 30 and you're like, "What? Oh, how do I do this?" That's what the library is for.

Angelica Rengifo:  And there is no timeframe for learning, so you can learn maybe that you have to write down what you spend on a week, and that's your first step, and you can stay on that step for as long as you need.  And maybe you can go to the next step and say, "Oh, this is how much I owe here, this is how much I owe here, this is how much the interest for each of these accounts or debts are."  And just like have that little bit of knowledge or like in the back of your mind, "Okay, now I know this, but what am I going to do."

Lauren Martino:  Uh-huh.

Mark Santoro:  One of the nice things about financial literacy, for instance, is that you can use different formats.  So you can go to books or you can go to blogs, or you can go to YouTube videos or podcasts.  There's lots of different formats that you can use to get yourself started.  And depending on how specific information you need and how tailored it is to you.

Angelica Rengifo:  And people can also use different methods and mix them up to their own needs.  It doesn't have to be, "Oh, I can only use this one method, but it doesn't cover everything that I need."

David Payne:  It's a very personal subject, it's -

Angelica Rengifo:  Yes, it is.  Yeah.

David Payne:  Yeah, absolutely.

Lauren Martino:  There's such wide interests there's so many difference resources.

Angelica Rengifo:  Not two people have the same debt or the same income.

David Payne:  The same need, you're right.

Angelica Rengifo:  The same needs, yeah.

David Payne:  Right, yeah, absolutely.

Angelica Rengifo:  Or wants.

Mark Santoro:  So one of the things that you want to make sure is never rely on one source.  So, if you're, say, a fan of Dave Ramsey, who is a -

Lauren Martino:  There are some hardcore Dave Ramsey people out there.

Mark Santoro:  Yes.  So he is a - he does YouTube, he does podcasts, he does books all around the theme of personal finance.  And some of what he says I like and some of what he says I don't.  But don't just choose one person.  Don't be the Dave Ramsey guy or the Suze Orman girl or whatever.  You've got all sorts of different sources so you can, if five different sources say save 15% to 20% of your income, then that's a hint that this is kind of right.  And the more you listen or read the more you'll be able to kind of discern this is what everybody is saying, this is different, and it's wacky or it's - okay, just different.

Lauren Martino:  Or maybe this is where it's going to get.

Mark Santoro:  Right.

Lauren Martino:  This is what I need to get me where I'm going.

Mark Santoro:  Right.  And like I said, no one sits around and says, "I need to be financially literate." No, it's something prompts you.

Lauren Martino:  If you, gentle listeners, are that person that is - please write us and tell us what you think anyway.

David Payne:  So Mark, you talked about resources, and we talked about what financial literacy is.  Tell us about some of MCPL's resources that might be helpful for personal finance, investments, as well as other resources that one might find, perhaps on social media?

Mark Santoro:  Okay.  So, obviously, there would be books.  And you would have books such as something general, like Personal Finance for Dummies.  And I love this series because it just takes a topic and it just breaks it down, it's like an introduction in 300, 400 pages.  So, Personal Finance for Dummies, it's got real estate, it's got investing, it's got budgeting, all in one place in your hand.  So, we have books that are general like that.

Lauren Martino:  For people just getting started, yeah.

Mark Santoro:  Right.  And then we have things that are very specific, so just investing, just real estate, just taxes.  For example, there is Every Landlord's Guide to Managing Property.  You go really, really general all the way down to landlords, so.

Lauren Martino:  Which is a big thing around here, I mean it's not - it's specific, but there's a wide audience I think in this area for that.

Mark Santoro:  Yes.  I mean, that's in the podcast sphere there are some podcasters who are kind of really big into being landlords and having investment property that are residences and they're using the rent as an income stream.  So, yeah, that's one part of personal finance that you - and whatever your specific need is we probably have a book about it, or at least to get you started.  We have general finance magazines, personal finance magazines like Money Magazine, and Kiplinger's Personal Finance, I think it's called.  There are online resources as well.  I think the best one would be Safari, which is a collection of e-books.

Angelica Rengifo:  There's a lot on Safari.

Mark Santoro:  Yes, there's a lot on Safari.

Angelica Rengifo:  In depth.

Mark Santoro:  Yeah, so it's smaller than what you'll find physically in MCPL's collection, but it does the same thing where it's big broad personal finance to flipping houses, right.  It has books that are very broad and very specific. and Gale Courses are online classes.  They have a few items related to some aspects of personal finance.  Not as strong as Safari, but if you like to kind of sit there and watch the video or do the exercises you might find something in one of those as well.  And then finally, if you're really a hardcore stock investment type of person we do have online access to Morningstar, S&P NetAdvantage, and Value Line, so you could go and you could see all the very detailed information about Disney's finances.

Lauren Martino:  Uh-huh.

Mark Santoro:  Or the mutual fund that you're looking to invest in.  And that's a lot more hardcore than I get into.  I'm a simple index fund guy.  But if you're really into it we've got them for you.  They're available online, you can get them from your house and anywhere else you have an internet connection, long as you have an MCPL library card.  Signup today.

David Payne:  And I probably should note or remind listeners that accessing, particularly those last few items that you mentioned, is completely free.  And that's a very good deal because normally it would cost quite a bit of money to get hold of those.

Lauren Martino:  And you can do it from home too, you don't have to be in the library to get a lot of that.

Mark Santoro:  Yes.  Enhance your personal finances by using the library, because all our stuff is free.

Lauren Martino:  Angelica, do you have anything you'd like to add?

Angelica Rengifo:  Some of the resources that I found were mainly some books.  The first book that I actually started reading when I wanted to become more knowledgeable was Beating the Paycheck to Paycheck Blues, which -

Lauren Martino:  This was a problem for you at one point or?

Angelica Rengifo:  It was just a good start because I didn't know how to live beneath my means.

Lauren Martino:  Uh-huh.

Angelica Rengifo:  Below my means.  So, I think it was a good way to learn how to not overspend, a good point of reference.

Lauren Martino:  Uh-huh.

David Payne:  Something that's very easily done.

Angelica Rengifo:  It is not easily done.  It definitely takes time to even just make the decision to, okay, I want to learn about this, and then -

David Payne:  Follow through with it, yeah.

Angelica Rengifo:  The next decision is like how am I going to implement this, and what is the goal, what is the purpose.

Lauren Martino:  It's a lot easier to read books than it is to like practice what is says.

Angelica Rengifo:  Yes, very true.

Lauren Martino:  So, this is - as it's April and we are celebrating Financial Literacy Month and other fun April events dealing with finances, such as tax season and Money Smart Week, can you tell us a little bit, Mark, about some of the events that are going on around MCPL for the month of April? 

Mark Santoro:  Okay, so yes.  There's Money Smart Week, which starts March 30th and runs through April 6th.  We've got events around that, and then all of April is National Financial Literacy Month.  So there's all sorts of different events centered around this.  One example is Making Sense out of Money, which is going to be at the Potomac Library in early April, and that's for kids.  So, a representative from the Montgomery County Office of Consumer Protection will lead a fun and interactive activity all about spending money wisely, we presume.

Lauren Martino:  Is this for children then or?

Mark Santoro:  This is for children, yes.  This is labeled for elementary school-aged children.  And we've got some other things later on.  For the end of the month there's something at Wheaton about the basics of investing, and then there's another one at Twinbrook, How to Protect Yourself Against Identify Theft.

Lauren Martino:  It's an important topic.

Mark Santoro:  Yeah.  So there's different events for different people that covers very different - lots of different aspects of personal finance.  And you'll be able to see a link to all these events from our homepage so you'll be able to check out when and where they're taking place during that first week of April and then throughout the month of April.

Lauren Martino:  In addition to the homepage, it’ll probably be on our show notes as well, right.

Mark Santoro:  Yes, it'll be on like our show notes as well.

David Payne:  And one might think that financial literacy is something that only adults should pay attention to, but clearly the younger the better.  Let me ask you both why is financial literacy as equally important for children and teenagers as it is for adults? Let me start with you, Angelica?

Angelica Rengifo:  I believe because teaching them about money and how to manage it could have a great impact in their future.  And the sooner they learn about it the easier it will be for them to master it.

Lauren Martino:  Like your cousin.

Angelica Rengifo:  Yes where I don't know when I didn't - what I missed.

Lauren Martino:  I remember having to take a class where we had to budget and pretend - this is the job we were going to pretend to have and this is how we're going to pay for everything.  And I mean we did the exercises, but I don't think it made a very big impact.  So I'm like, "Oh yeah, yeah, yeah, I'll figure it out." Yeah, and then it's kind of hard to communicate to you, yes, you will have to do this in real life at some point.

Angelica Rengifo:  Maybe a way to teach kids also is with an allowance.  As they - maybe they might want something that is more -

David Payne:  More than their allowance, right, yeah.

Angelica Rengifo:  Expensive than their allowance so they have to budget for it.  And yeah, and plan for it.

Lauren Martino:  I think a lot of people employ that strategy.  I'm kind of curious, Mark, you've got kids at home.  Do you have a sense of are they learning this in school or do you give them an allowance to - how are they learning about financial literacy?

Mark Santoro:  So yeah, there's a thing in the parenting sphere, and I guess to a certain extent in a personal finance sphere, allowance or no allowance, all right, so there's a little -

Lauren Martino:  Yes, we've been pondering this in my house actually.

Mark Santoro:  A little controversy here, and my family -

Lauren Martino:  And do you make it work for them - or do you have to work for your allowance or do you just give it to them, and -

Mark Santoro: Exactly.

Lauren Martino:  All these questions, yes.

Mark Santoro:  Exactly.  So, my family is in the pro allowance camp.

Lauren Martino:  Okay.

Mark Santoro:  Until you get to 16, then we cut you off.

Lauren Martino:  And you get a job on your own?

Mark Santoro:  Right.

Lauren Martino:  Yeah.

Mark Santoro:  So, our oldest daughter turned 16, well, she kind of cheated.  She already had a job.  So by the time we cut her off it was all right.  But yes, so the kids get an allowance.  There's a mandatory savings amount that they have to - so it's almost like a family social security program.  So yeah, your weekly income is - now I'm going to get in trouble because I don't know what it is.  Thanks, hon; my wife takes care of that.

Lauren Martino:  Your wife dolls out the money?

Mark Santoro:  Yeah.  Anyways, so let's say it's $10, for easy math, they only see $7 of it.

Lauren Martino:  Well, that's an important lesson to learn, isn't it, because they will be dealing with that for the rest of their lives?

Mark Santoro:  Right, and the $3 goes into a - they all have bank accounts.

Lauren Martino:  Uh-huh.

Mark Santoro:  And so that's where that taxed money goes, into their bank accounts.  Actually I think it's six.  So, yes, we're in the pro allowance camp.  So, what was the original question about why is it important for kids and teens, well, one, they got to deal with money right now.  And not just in the future when they're adults; they're alive now and it's something.  Why can't I have this $100 replica of the Millennium Falcon or whatever, so it comes up.

David Payne:  And it's interesting because therein lies the difficulty, particularly with teenagers if you think how much of the advertising market.

Lauren Martino:  Right.

David Payne:  Is aimed at teenagers, in particular, spending money, so important for that age group to really understand.

Angelica Rengifo:  But then, I do not have kids, but I will think that teaching them about delayed gratification it's a good way to teach them how to -

David Payne:  How to think about -

Angelica Rengifo:  Save for something, maybe be, be a little bit tight for a couple of weeks, and in the end you'll get something bigger than if you had not waited.

David Payne:  Right, absolutely.

Mark Santoro:  Yes.  And as Angelica mentioned, it sets them up for their adult years when they have bigger responsibilities.  I remember when I was growing up my parents never taught me anything about money.

Lauren Martino:  Uh-huh.

Mark Santoro:  I mean they might have said something generally like, save money.  That's true, and not very useful, so -

Lauren Martino:  More to it than that.

Mark Santoro:  Yeah, my poor children, they get the lectures -

David Payne:  They get the [CROSSTALK].

Mark Santoro:  Yeah, at the dinner table, "Why do we live in this house?  Let me tell you, it's because blah, blah."  Lots of very specific information about why we did this, why my wife and I did this, or how we paid for this, or how we plan for this; everything from housing to college education to - so, because I didn't get much growing up in terms of information about - I have no idea what my father made when we were kids.

Lauren Martino:  Uh-huh.

Mark Santoro:  No scope of what the limitations where or anything, what he felt about how expensive a vacation we could go on; nothing.  So I've probably gone too far the other way, and they know a lot about our specific situation and why we do what we do.

Lauren Martino:  But do you think it helps that they understand maybe a little bit more about why you make the choices you make?

Mark Santoro:  Hopefully, that's the plan.

Lauren Martino:  Because I remember, oh gosh, the other day, like my daughter destroyed one of her water bottles and she's like, "Oh, we can just go out and buy another one." It's like, "Well, we can.  But we can't willy-nilly destroy everything we have and just buy other ones.  Like there are limits." I remember go asking my parents, it's like, "Oh, we need money; we'll just go to the ATM and get money, right, because that's what you do."

David Payne:  It's a money tree.

Lauren Martino:  That's what you do to get money, right.  So, Angelica, what do you think one of the worst mistakes people tend to make with their finances is?

Angelica Rengifo:  I think blinding yourself to where you stand; not knowing what is coming in every month and what has to come out every month.  A lot of people get the look of deer on headlights kind of when they hear the word budget.

Lauren Martino:  I can relate, yeah.

Angelica Rengifo:  And budget is not just like putting yourself limits, but also budgeting for fun.  I have in my budget, personally, like a little bit of me.  I have on my budget certain amount of money for every two weeks.  There was a time recently that I spent my allowance.

Lauren Martino:  You gave yourself an allowance.

Angelica Rengifo:  Yes, I spent my money for the two weeks in a weekend.

Lauren Martino:  Oh wow.

Angelica Rengifo:  So I had to make changes for that week.  And the only person to blame was myself, but it puts limits on what you can spend.  I can go to the movies, I can go out to have drinks with friends, I can go out to have a lunch or dinner with friends, but I'm not going to be doing that every single day.

Lauren Martino:  Uh-huh.

Angelica Rengifo:  So that's where it comes, the limitation.  And also, maybe not a mistake, but something that you find with like creating a budget is contentment.  Contentment that a walk in the park, which is free and good for your health, it's a good way to spend your time.  So, I will say, yeah, not knowing what your financial situation is is a mistake.

Lauren Martino:  So knowing your financial situation isn't just about knowing your limits, it's about using your limits to create freedom.

Angelica Rengifo:  Uh-huh.

Lauren Martino:  And being able to explore those things that we're so focused on our consumer culture it's like this is going to make me happy, this is going to make me happy, whereas you miss everything that makes you happy that you're not getting advertised about all the time.

Angelica Rengifo:  Uh-huh.  And that's the thing that we think that what we are getting and buying is going to make us happy, but that's not going to last for a long time.  The high is not going to last until - and then we need another thing, and another thing.  And we go back to a little bit of minimalism with like trying to be happy with what you have.  You do not need to be spending money all the time to be happy, and thus contentment.

David Payne:  So you've both obviously read and learnt an awful lot about financial literacy.  Let me put you on the spot and ask you both, out of everything that you've read and learnt what's the best piece of financial advice you've ever heard, Angelica?

Angelica Rengifo:  I will go back to my cousin.

David Payne:  Can't blame you.

Mark Santoro:  Yeah, we wanted to hear more about him actually, so.

Lauren Martino:  [CROSSTALK] start his own empire after this.

Angelica Rengifo:  I hope that he listens to this.  The fact that he says that the light gratification, it's a way to save for bigger things has put things on the spot.  I don't need to have, oh, I need something, I have to go to the store and I can get it because everything is available within 24 hours with Amazon Prime, for example.

Lauren Martino:  Oh gosh.

Angelica Rengifo:  Which is a bane of my existence right now.

Lauren Martino:  The bane of your existence, yes.

Angelica Rengifo:  But that's the thing, changing our mindset about what we need and what we want is, I think, is key in being financially stable.

David Payne:  How about you, Mark?

Mark Santoro:  Goes back to the idea of planning.  And the first part of that is to know where you are.  So, what's your net worth, how much debt do you have, if you only know what your monthly payments are and don't know the total that's a problem.  Knowing how to calculate these things or how to find out what these things are.  Maybe people avoid it because it's a scary number, but knowing is better than not knowing, and that's the key to get started.

Angelica Rengifo:  But it's like not being afraid is a good - you cannot be afraid forever.  And the other side of that is living without debt.  Like what if your whole income was yours to do whatever you wanted; no mortgage, no car payments, no credit card payments, just food, clothing, and a roof or not even that, like electricity and things like that.  What if that's all you had to worry about, you wouldn't have to worry about making a lot of money either, and you could have more hobbies, more fun.

Lauren Martino:  Or the choice to do what you like as opposed to what's going to earn you enough money to sustain this amount of debt.

Angelica Rengifo:  Uh-huh, yeah.

Lauren Martino:  So we talked a little bit about budgeting.  Do you think, Mark, that maintaining a budget is a guarantee to a financial success or is there other things that you need to take into consideration?

Mark Santoro:  Well, guarantee, no.  There's no guarantees in anything.  But I mean that's part of knowing your situation.  You can't really succeed if you don't know where you are at the time, so you would start with that.  There's among the podcasts that I listen to, personal finance enthusiasts are all about like know where every penny goes.  And then there's others who are a little bit more relaxed who are, "Okay, know what your expenses are, have a savings goal, and what's left is yours to be free with."  So, having a budget, it depends on where you are.  And of course how much room you have.  If you make a lot of money you have a little - in theory anyways have more elbowroom than if you don't make a lot of money.  And we have budgeting books in the library.  We have books about helping you get out of debt.  So, for instance, this one had a fun title, The Spender's Guide to Debt-Free Living.

Lauren Martino:  Sounds very useful for a lot of people.

Mark Santoro:  Yeah.  And then one of Dave Ramsey's things and why he is a little controversial in the personal finance sphere is he's vehemently anti-debt, anti-debt extremist.  But if that's your thing, if you're starting at the bottom of the heavy debt load that might be a place to start, Dave Ramsey is the entry level personal finance person.

Angelica Rengifo:  He has Baby Steps - they are called Baby Steps to Financial Freedom, and they are definitely a good way to start.  You can - but time or learning about other methods can change them to your liking, but he is a good first step to financial freedom, debt-free life.

Lauren Martino:  So, it sounds like understand debt and credit is really important understanding financial literacy.

Mark Santoro:  Right.  And as a, say, as a foil to Dave Ramsey, you would have someone like - there's a podcast called Money for the Rest of Us, by a guy named David Stein, and he's a little bit more traditionalist.  In his previous professional life he managed investments for universities and other large organizations.  So he kind of has more of a traditionalist view of things, about how to manage debt versus investments, for instance.

Lauren Martino:  Uh-huh.

Mark Santoro:  So as we said before, you don't want to rely on one person, so get kind of a broad view.

David Payne:  A broader view.

Mark Santoro:  Yeah.

Lauren Martino:  A range of opinions to figure out what's good for you.

David Payne:  Right.

Mark Santoro:  I don't know how to shoehorn this in.

Lauren Martino:  Shoehorn away.

Mark Santoro:  Thank you.

Lauren Martino:  Shoehorn away.

Mark Santoro:  In preparing for this I ran across a book that brought a smile to my face.  So I mentioned before how life events were kind of prompting me to go look at books.  So, my wife and I were pretty young when we bought our house.  And no one had talked to us about how to buy a house.

Lauren Martino:  And that's a big thing.

Mark Santoro:  Yes.

Lauren Martino:  I remember I had the same experience, like what the heck are we doing.

Mark Santoro:  So, we knew we were ignorant.  So we went to the bookstore and we found this book with this cheesy title, 100 Questions Every First-Time Home Buyer Should Ask.  And in preparing for this podcast I find it's still around.  The library owns it.  It is in its fourth edition.  It is straightforward and it brought back memories.  And it's literally - it's just each section is a question, and it's very straightforward and very easy to follow, and I was glad to see it still around.

David Payne:  That's great.  As Lauren said, it can't get much bigger than buying a house.

Lauren Martino:  I wish we'd had that.

David Payne:  Yeah.  So, can you tell us what your favorite apps for money management or budgeting are, Mark?

Mark Santoro:  Ah, well this is where I'll show my age.  I'm going to have to defer to Angelica, because I don't actually use any money management apps, other than listening to personal finance podcasts.  I've heard of them, but I haven't actually used any of them.

Lauren Martino:  So, Stitcher is your favorite money management app?

Mark Santoro:  Yes.

Angelica Rengifo:  I think the first app that you need to be looking at daily or maybe even more than once every day is your bank's app.  You need to know so that way - you need to know what you have so that way you don't overdraft.  That's $30-$35 right there that you're wasting.

Lauren Martino:  Uh-huh.

Angelica Rengifo:  So that will be my first recommendation in apps, the bank app.  If you have a few banks check them constantly so you also know when checks clear, and anything that looks suspicious you would know what it is or what it isn't.

Lauren Martino:  And there are apps that will consolidate like different banks, right.  And we use Mint at home.

Angelica Rengifo:  Oh.

Lauren Martino:  And that'll give us all the credit card debt.  And you have to kind of go through and say, okay, well this money it decided was a -

Angelica Rengifo:  I usually use Mint for budgeting.  So, like I said, I have a budget so I put this is how much I can spend on this, this is how much I can spend on gas, this is how much I can spend on food per week.  So that way if I'm getting close I'm like, okay what do I need - like especially on food, what do I need right now that cannot wait until my next budget or my next allowance comes in, so.

Lauren Martino:  I might be showing my ignorance because, yeah, I'm not the one that typically sets all this up.  So, I'll leave it to you, sorry.

Angelica Rengifo:  The other app that I found looking for ways to pay down the only thing that I have right now, thank god, student loans.

Lauren Martino:  Oh, student loans.

Angelica Rengifo:  But I found an app called Debtor, D-E-B-T-O-R.

Lauren Martino:  Uh-huh.

Angelica Rengifo:  And the app is free.  You do not have to connect it to anything.  And it's up to you if you use it.  I just like the -

Mark Santoro:  Not connected to any bank accounts or credit card accounts?

Angelica Rengifo:  Bank accounts or credit cards, yes.  The reason why I like it is because it gives me a visual of my debt.  I input how much it is my loan, how much it is the interest rate.  And I can either enter how much I pay monthly and it gives me how many months I will have to be paying that amount, which is scary.  Or it gives me the option to enter months.  So I can enter 12 months, I can enter eight, 15, 18, 24.  And it gives me also how much I will have to pay per month and how much I will save, or overpay in interest rate.  And it will show me a graph of the debt, of the amount.  So I really like that because a lot of people don't know how much more they will be paying on top of the original loan or debt that you have, but this app does it all for you if you have.

David Payne:  And it is a scary thing for people, which is one reason why I think many of us avoid it, perhaps.

Angelica Rengifo:  Yes, I agree.

Lauren Martino:  It sounds like a really - sorry.

Mark Santoro:  So, if you wanted to pay off your debt early this will tell you how much extra you have to put in a month?

Angelica Rengifo:  Uh-huh, yes.  It will tell you how much, if you enter by months, it will tell you how much will be - should be your monthly payment and how much you will save on the interest rate.

Lauren Martino:  It sounds like a really powerful app.  I remember like scribbling all over pieces of paper when we were buying a house trying to figure out -

David Payne:  Things that keep changing, yeah.

Lauren Martino:  Yeah.  And know I now when I enter the numbers and then it's right there.

Angelica Rengifo:  Yeah.

Lauren Martino:  That's awesome.

Angelica Rengifo:  Yeah.

David Payne:  So, we normally close our episodes by asking our guests to tell us what they're currently reading or a book they recently enjoyed, Angelica?

Angelica Rengifo:  So, I recently finished reading Little Fires Everywhere, by Celeste and I have no idea how to pronounce her last name.

Angelica Rengifo:  It's Ng.  And I just found out that Hulu got the rights to make into a miniseries.  So, I'm really looking forward.  I'm not promoting Hulu, just in parenthesis, but I'm just looking forward to definitely seeing what they do with the book.

David Payne:  Thank you.  And Mark?

Mark Santoro:  So, I just started this book.  It's a short - it's a science fiction short story collection.  And you may have heard about Howard Zinn's A People's History of the United States.

David Payne:  Uh-huh.

Mark Santoro:  It's a play off that.  This one is A People's Future of the United States.  So it's a bunch of short stories set in the future.  And this is - each one is kind of distinct and separate, but this is what the U.S. might look like in 20 years, or 50 years, or whatever.  So, just started it.  The first story that I read had - California had broken away from the United States, and they were separate countries.  But there was this one town there was a bookstore that sat on the border, and there are literally two entrances to this book store.  And you could come in and browse the books, and it was one of those places that, in theory, the people of California and the people of United States could come together.  But of course there's still kind of some tension there.

Lauren Martino:  Ooh.

Mark Santoro:  And then one of the things the countries are fighting over is water rights.  And so a conflict -

Lauren Martino:  California, yeah.

Mark Santoro:  A conflict, an armed conflict breaks out over this and it kind of talks about the experiences of the people in this bookstore at the time.  So, it's an interesting kind of way of exploring how the tensions that are going on, the cultural wars in America now or how does this play out 20 years from now, 50 years from now.

Lauren Martino:  And do you think that's based on the library that's on the border of United States and Canada they talked about - there was a podcast, like This American Life, where they kind of - there is a library on the border, and like all these immigration issues because they'd have people like - there were like big signs everywhere saying, "No reunions."  But you get people that like couldn't leave the United States because they were like waiting for their Green Card or whatever, and they'd end up reuniting with family that couldn't enter the United States and this library.

Mark Santoro:  Oh, that's interesting.  I hadn't heard about that, but perhaps the idea of the bookstore on the border came from that.

Lauren Martino:  That's fascinating, yeah, because there's so many cultural things that can happen in such a place.

Mark Santoro:  Yeah.

Lauren Martino:  Now or in the future.  Thank you so much Angelica and Mark.  I know I'm going away with a lot of new information and new motivation to deal with my own finances, and I hope our listeners are doing the same.

Please keep the conversation going by following us on Twitter, Facebook, Instagram, and Pinterest.  Don't forget to subscribe to the podcast on the Apple Podcast App or Stitcher or wherever you get your podcasts.  Also, please review and rate us on Apple Podcasts.  We are very interested to know what you think.  Thanks for listening to our conversation today and we'll see you next time.

Mar 26, 2019

Summary: In celebration of Money Smart Week (March 30 - April 6, 2019) and National Financial Literacy Month (April), personal finance enthusiasts Angelica Rengifo and Mark Santoro talk about MCPL's books, online resources, and upcoming events related to personal finance. 

Recording Date: March 6, 2019


Angelica Rengifo is a Library Associate on the MCPL's Outreach team. Mark Santoro is a librarian on the Digital Strategies team. 

Hosts: Lauren Martino and David Payne

What Our Hosts Are Reading

Angelica Rengifo: Little Fires Everywhere by Celeste Ng

Mark Santoro: A People's Future of the United States, edited by Victor LaValle and John Joseph Adams

Mentioned During the Episode:


Debtor Debt Pay Off Calculator  

Mint - A personal finance app for budgeting, investment tracking, and more. 

Books & Authors

Beating the Paycheck to Paycheck Blues by John Ventura - This book's a bit old, from 1996, which is probably why MCPL doesn't own it anymore. 

Every Landlord's Guide to Managing Property by Michael Boyer

Dave Ramsey

100 Questions Every First-Time Home Buyer Should Ask by Ilyce R. Glink

Personal Finance for Dummies by Eric Tyson

The Spender's Guide to Debt-Free Living by Anna Newell Jones

MCPL Online Resources

Gale Courses 

Kiplinger's Personal Finance 

Morningstar Investment Research Center 

Safari Books Online

Standard and Poor's NetAdvantage

Value Line


Decluttering episode of Library Matters 

Money for the Rest of Us - Personal finance podcast David Stein  

This American Life - A weekly public radio program and podcast


Haskell Free Library & Opera House - The library on the US/Canadian border, located in Vermont and Quebec. 


Read the transcript

Feb 20, 2019

Listen to the audio

David Payne: Welcome to Library Matters with your host, David Payne.

Julie Dina:  And I'm Julie Dina.

David Payne: And actually this is a podcast with a different -- differences we're doing double duty today.

Julie Dina:  Yes we are.

David Payne: And we are the hosts, we are the guests. So this is a new format and today we're going to be looking at library lovers’ month. February is more than candy hearts, chocolate and Valentine's cards it's also Library Lovers’ month. So Judy, let's start with the why and the what of library lover’s month. Library lover’s month is basically a month long celebration of libraries of all types, public, academic, school, special and for MCPL. The celebration of libraries lover’s month throughout the month is being facilitated by our friends of the library, Montgomery County. And if you go to their web page or their social media sites, you'll see all the things you can do to get engaged with that. Also we should mention that in each branch, there are postcards that are available. And if customers would care to write down all the things that they like about the library, they will be forwarded to our friends’ group and then sent to the Montgomery County elected officials. So a good chance to say why you like the library and express your feelings about the very wonderful things that MCPL does. And there is a link on the Montgomery County library's website which will take you directly to all the library lover’s month related programming. So that should be very easy to access. Now, why have library lover’s months?

Julie Dina:  Just like people show their love for friends, their kids, their spouses, why not show your love for the library that you frequently visit.

David Payne: Right and all the great things that libraries do and have.

Julie Dina:  I mean we've got a ton -- we've got tons of resources that are heavily used by our customers. And having library lover’s month is one way for the customers to actually not only show the library how much they love all the services and all of the support that they actually get from the library, but it's also a way of them -- how can I put this? It is just their way of showing how much they love using the library and that they're glad that they actually have a library they can count on.

David Payne: Which if you think about it is a great resource. If you think about the power of library card which is free.

Julie Dina:  And I say don't leave home without it.

David Payne: Absolutely. And it's really a passport to all kinds of wonderful things opens our eyes to the world beyond our front doors.

Julie Dina:  Yes.

David Payne: Also they connect people to people, see some of the many events that go on in our meeting rooms. They basically offer more than just book line lending.

Julie Dina:  They also bridges the gap if you really think about it. There are a lot of -- I personally being an outreach person I've seen people, immigrants, refugees, I've seen them at all of our branches at different times. And why are they there? They tell me because they're hoping to find books that are in their languages that otherwise they would have to go buy or not even find at another place. Like you said earlier we provide a space, most people charge to utilize these spaces, but we actually offer it for free.

David Payne: Right. And you talk about languages we have the word language collections throughout the system.

Julie Dina:  We've got Mango languages.

David Payne: We have got Mango Languages and we have got Rosetta Stone so 

Julie Dina:  You can't go wrong.

David Payne: If it is a language you want to learn or read it's there somewhere in the county all accessible with a library card and really libraries offer more than just book lending. Many people think that it is the book lending that is what the libraries are about, public libraries are about. And while they're known for their collections of books and magazines really they and we offer a whole host of other community services, quiet reading and writing spaces, computers with internet access, laptops for use in the library and in some branches to take out.

Julie Dina:  Go kits.

David Payne: Go kits for our younger readers.

Julie Dina:  CDs, DVD.

David Payne: Help with workforce matters, job searches, resume writing, story times.

Julie Dina:  Printing services.

David Payne: Printing, audio ebook options, programming we really promote literacy that's the bottom line so all reasons to support the library and express your like of the libraries this month.

Julie Dina:  And mind you that's not even half of what we even provide.

David Payne: That’s right. So perhaps we should tell the listeners a bit about us, a bit of background. Julie you are in outreach, and I'm the Branch Manager of the Aspen Hill library. How long have you worked with MCPL and what have you done in the various stages of your career here?

Julie Dina:  I actually was just thinking about it. I can't believe it's actually been over 17 years. So I actually started as a volunteer because I loved coming to the library. I would always stop at both desks, the information desk and the circulation desk I would talk to the librarians, I would ask about books. And lo and behold, one of the managers actually asked if I would like to volunteer. I said, “Oh, of course I would.”

David Payne: Little knowing what that would lead to.

Julie Dina:  Little did I know that I will be talking about this years later. So I started as a volunteer as I mentioned earlier and then within six months I found out that there was a vacancy with the circulation desk. I got promoted to work in as a library assistant, I think that's what it was called. That's how far back. And even while I'm supposed to be checking out books, I'm talking with customers and we're discussing the books they're checking out. I'm telling them about services that we offer or did they know if you get this – this is also something that you might like. And then after that I left once I graduated from college, I left and went to go work elsewhere. But I loved the library so much I came back after a couple of years and then I started working, at this time I started working with the information desk as a library associate.

And this way I was able to suggest books for customers, I could actually help do research for my customers since I already love talking to them. I would go out you know, in the stacks and see what people might need help with. And best of all, I am now an Outreach Librarian which means I get to go out not only wait for the customers to come to me, I go out to them. And that's the part I love the most because I love talking to people. I not only love staying in one place, I like to go to different places. And this way I can see all our customers from all different walks of life in different places, talk about services that we offer which is an array of resources and I can never list them all. But in a nutshell that's what I do.

David Payne: Great, and we'll come back to outreach in a bit.

Julie Dina:  Sure. How about you, David. 

David Payne: Well, I've been with MCPL what, a year and a half now. I've been at the Aspen Hill brands managing there since June 2018 before that I was manager at the Davis library and Potomac as well. So I already seen a bit of the county. Most of my working life has been in public libraries across the country. I worked in Florida; in Ohio; Philadelphia where I was a branch manager as well for many years and then federal county libraries and then here. So it's been a big change.

Julie Dina:  So now that we've actually talked about that, let's move into bringing into an international perspective. David, you mentioned that you used to work as a library assistant in Britain. Can you also tell us about if you've had any experience as far as public library experience in Britain is that something you can share with us?

David Payne: Absolutely. I mean, the Public Library movement in Britain really parallels that of this country. It goes back to the 19th century. And had -- you know there has been or was a fairly robust network of public libraries. Growing up for me growing up as a boy in London in the 1970s the local public library was rather nondescript plain building as far as I was concerned. But it was one of the focal points of my growing up there. I remember as a boy I was really into two things trains and football or soccer as you call it here. And so I think I went through every single book on trains and soccer in my local branch. And that used to be the thing I used to look forward to the most of the weekends after school. And actually I always remember that I was able to combine my like of trains and soccer by traveling all over the country the length and breadth of Britain supporting my favorite football team.

So I used to go into library and to the reference section where they used to keep the national, British National train timetable. So I used to spend hours poring over that and used to be a running joke that perhaps it should have been shelved under fiction. But so that was my recollection as a boy, but when you look at the Public Library Movement in Britain now it really reads like a horror story. And there's a tail in there that really relates to why things like library lovers month is so important. Over the past decade or so due to local government budget cuts the Public Library Movement or network in the UK has been savaged. And over the past 10 years or so, probably well over 500 libraries have been closed. Many of them have, the ones that haven't been closed are now staffed run by volunteers or community groups.

Many staff have lost their jobs. I think I read looking over the figures which I researched before this broadcast, about 8000 jobs have gone in public libraries over the past 10 years, 500 libraries cut number of books held by libraries have dropped by 14 million, which is quite staggering. And you can imagine the effect that has on everyone in terms of literacy; in terms of the economy and really the whole country. And it's not to say that people there, people in Britain don't rally and support their libraries they certainly do. But I think the message is this is why showing your support matters. And obviously in this country, there being cuts and libraries up and down the country have had challenges, but not on the same scale. But again, library lovers month an opportunity to express the reasons why we need libraries and why that's so important.

Julie Dina:  Thank you so much for sharing that with us.

David Payne: That's quite a -- quite a sobering tale.

Julie Dina:  Yes, I hope things turn around.

David Payne: Well, hopefully.

Julie Dina:  For the good.

David Payne: hopefully, hopefully. And perhaps Julie, you can talk about your background from Africa.

Julie Dina:  Specifically Nigeria. So although I don't remember a public library experience specifically, as far as libraries are concerned, what's more prominent back home are university libraries. And I do remember that some elementary schools and this is something that teachers come up with because libraries are generally funded by the federal government of the country. And so when there's not enough funding, that means libraries will not function as they're supposed to be. So I do know some teachers in certain schools do something called an invisible library, which means parents and teachers donate books, then the teacher assigns each person to a particular book, and then they give a certain amount of timeframe for you to read that book. You come back to school after that timeframe is over. Everyone talks and shares their experience about the book they've read and then she reassigns.

So typically the book is not being shelved in school because there is -- you can't get an account for it. So it's just -- it's just a change of hands but it does exist. And so I know there's the National -- I mean, the National Library of Nigeria and the goal originally when they were only 36 states were to have a branch in each state. But so far, I think it's still only 16 as much as they do aspire to run the library as frequent as they would just like in the Western world economy is what it boils down to. So like you mentioned, it's good to show your support for libraries lovers’ month here in the States because there are parts of the world where people don't get a free library card. They certainly do not get free resources and more importantly, the vast array of resources that we have here is nowhere near what they have back home.

David Payne: Right and I think it is important you mentioned the word free. I mean even in Britain today the libraries that have survived for many years now while taking out books remains free if you take out a CD or a DVD you pay a nominal fee so again, a big difference.

Julie Dina:  Yeah, so that really matters so keep loving your library.

David Payne: So obviously the Public Library has a place in the community, a big place. Where do you see MCPL in the community from your viewpoint in outreach?

Julie Dina:  I actually see MCPL as a glue factor. The library connects a lot of people to a lot of things. You mentioned earlier that we are a space for people to meet and to me, that's enriching the community. People look forward to come into the library to meet other people who they're working on the same project, the same goal. People are meeting for Lego groups. People are meeting here for knitting groups, book discussions. We've got immigrants who when they come here as an outreach person, when I tell them come to the library, you're going to get this service for free. And it's like I have to keep saying free, free, free like the commercial because they can't believe it. But the library is very prominent in the fact that we provide a lot of -- these are not just services that are luxurious service – these are basic need, who doesn't need to learn a language?

And they need this language in order to have conversations with other people who can provide a service that they need. So I think MCPL is very prominent in our community and we've got, may I also mention, we have partnerships with a lot of organizations. We have partnership with the Rec department. We've got partnership with the JCA, not only the JCA. And for those who are wondering what it means it means the Jewish Council of Aging. Not only that we also have a huge partnership with HHS. If you look in the community, especially in the HHS departments you'll see a lot of deposit collection in the community and these are books that MCPL provides.

Not only that we also have partnerships with a lot of the barber shops in the areas. So not only are you waiting to get your hair cut, or to get your hair washed while you're there, you get to read one of our books or have one of our resources, which is right there in place for you. So that's just -- that's just a minimal amount of what I've mentioned. But people know who we are and they rely on us for a lot of things.

David Payne: And I think from my viewpoint as a branch manager you see the larger picture and the impact of the branch of the library in the community. You mentioned some connections. I think there's also the fact that the library is an anchor for economic development and neighborhood revitalization, the Wheaton library for instance, part of that work down there. We really help to strengthen community identity.

Julie Dina:  That's true.

David Payne: We are free. We provide a place for me people to meet each other. We hear about the third space, that mix of first and second space the home and work or whatever it is work and home. Home and work.

Julie Dina:  I think it is homework.

David Payne: Homework and the third space that mix that fusion between –

Julie Dina:  I was just talking about that earlier.

David Payne: So it's that's a safe space. I mean really as you mentioned identify and fill gaps in community services, early childhood education, lifelong learning and the work we do in in technology literacy.

Julie Dina:  Which is very huge.

David Payne: Which is very huge.

Julie Dina:  And we have -- I know we promote a lot of early literacy especially the big one that's coming up 1000 books before kindergarten. People just can't believe that there's such a program and it as big as the summer reading program. So we've been going into the communities; we've been going into daycare centers and parents as well as caregivers as well as teachers are all excited about it.

David Payne: Right. So tell us about 1000 books –

Julie Dina:  Before kindergarten.

David Payne: Before kindergarten.

Julie Dina:  So this is sort of reading program that's parallel to our summer reading program where our goal is to get both parents and kids to read or perform any educational activity, 1000 before kindergarten. So basically how it works is you go to any of our 21 branches just like you would with summer reading and sign up for this program. And for every milestone, there's a very wonderful gift waiting for you at the branch. And not only that, when we say 1000 books people are like, “Oh my gosh, how do I read 1000 books?” Don't you fear because it's not just limited to books it could be a trip to the grocery store and you and your child you're singing along that's an activity.

You can log that has an activity or you guys are driving in the car and you say, “What shape is the stop sign?” That's an activity. So even with the one sentence I just made you've already done two activities. So we want a lot of -- and we've actually, the outreach team, we've been covering a lot of daycare centers, we've been going into headstart schools, and we have been letting all caregivers know that this is a wonderful program. And I think the community is actually excited about that.

David Payne: Absolutely. There have been great response. And we should also mention, you can read a book more than once.

Julie Dina:  Oh, yeah that’s true.

David Payne: You read it multiple times and get to a 1000.

Julie Dina:  So if it's your favorite book this is your time to utilize it.

David Payne: So Julie you mentioned -- you talked earlier about your work in outreach. Outreach does what exactly; what do you and your team do and what part of your work do you think would most surprise people the most?

Julie Dina:  So let me start from the back. What would surprise people the most is people just can't believe that we actually do pop up libraries which means we're not at a branch. It could be a festival sort of like Poolesville day or Potomac day and we would have our table there. And guess what, people just can't believe we're actually given out library cards. So that's one thing that surprises people also the fact that we do pop up story times. We now have a partnership with the Lake Forest Mall. And people in my team actually would do story times and sometimes even crafts. That's not something that you know libraries are known to do in the past, but we do do those and we also do dance parties and I know I did a couple of them this past summer and had fun doing it. And that was my -- that was my cheaper way of going to the gym.

So as far as what we do outreach, just like the name outreach, we go out into the community and tell our customers about all the wonderful resources and services that MCPL has to offer. We tell them about our educational resources. I mean, I've been to a lot of events where we have a table and just a few flyers that I have in front of me. People just can't believe that we're actually offering these for free. I'll tell you about a particular one which actually has over 300 professional video courses. And this is that these are actually taught by the industry experts and which your library card, this is free. Believe it or not, if you were to subscribe to it and I'm sure some of you are going to test it as you're listening to me you will be paying money for it. It's not free.

David Payne: Big money.

Julie Dina:  A lot of money.

David Payne: And it's a great great resource.

Julie Dina:  It's a great resource. Those customers who actually know about when they see it on my table, although I'm telling them it's free, they still tell me what's the discounted price because they know the value of it. So if you're someone who has been thinking about a career change, you know, you're someone who has certification in your career. Some of the courses that are actually taught are actually certification base. So imagine how much you will be paying for that. So that's one thing I love going out to do. We go to festivals, we go to schools, a lot of schools, we do presentations about resources that we offer, which is also a way when we go into high schools we tell high schoolers who are always looking for SSL hours that the library is one place they can start their search.

Also, outreach team does a lot of -- as I mentioned earlier story time. We have that at the branch but also for those who can't come to the branch, we go out and give them exactly what they love. We give them story times I mentioned we do dance parties. So it's not just limited to the branch. I feel like the outreach team is MCPL on the move. So we go out there, give the customers what ordinarily you would get at the branch.

David Payne: And how many do you have on your team?

Julie Dina:  It's four people right now.

David Payne: Four people doing all that work.

Julie Dina:  There used to be eight of us, but now they've got the Fantastic Four.

David Payne: Now can customers contact you to request your participation in events? Or do you just choose which–?

Julie Dina:  There's actually a form on our website when you go on our website, which is actually attend your events, whatever your event is, you fill out that form and of course -- one of our – one of our outreach member will get back to you. And at the show notes of this program will actually include the link to that form. Now, David, you being an agency manager, and you mentioned at the Aspen Hill library, what do you think will surprise people most about the work you do, especially in a busy public library where you are?

David Payne: I think what I don't do basically, I have many people who have asked me why do you need a Library Manager? Why do you need a branch manager? And many people are surprised that you actually need a branch manager really the fact is that libraries don't run themselves and as a branch manager over the years, not just an MCPL I actually often been amazed myself for some of the things that I've done many of them less glamorous.

Julie Dina:  Such as?

David Payne: Being on my back fixing leaking toilets. And one of the great things about the job is literally don't know what each day will bring.

Julie Dina:  That's exciting.

David Payne: That's exciting in some way. But many people don't realize what the scope of the job is. And again, each manager approaches it differently. For a hands on person like me I chip in wherever needed. I was helping set up a room for a program last Saturday at my branch and the customer popped ahead and and said, “Wow, you do everything.”

Julie Dina:  You are wearing different hats.

David Payne: Yeah, basically with different hats. And really my job is really to make sure that the branch is running and that involves work with the staff, with scheduling, you have to make sure the building, the facility is as it should be as work with a collection. There's programming, work with community groups, friends groups, library advisory committees. It is really no end to it. So it's really almost a jack of all trades. And that's what I really like about it. And I think like I say, most people don't realize the actual scope of the job in really making sure that the branch runs as it should be from day to day.

Julie Dina:  So what you're saying is that a lot of people should start applying to be agency managers?

David Payne: Oh sure. Sure if you like adventure there you go. So Julie, when you do your outreach visits, what are the most popular services that you highlight?

Julie Dina:  Artists’ works which is also a great resource where you actually are able to learn any of the different musical instruments that they offer for free. And not only that, it's also the instructors are actually Grammy and Emmy Award winners, which is really cool. And more importantly let me tell you what people cannot believe that's a surprise and this is a recent resource that we just acquired for our customers. It's called canopy and with canopy it works sort of parallel to Netflix. You're able to stream hundreds of movies and guess what guys, it's for free.

David Payne: It is so free and these movies are actually from all over the world I think.

Julie Dina:  I just found that out last week yeah, because they sent me a suggestion. So imagine I could actually go on and on. People also love Mango Languages because I come across a lot of people who may not necessarily be from here, or even people who are from here like myself, I want to learn French and the fact I have Mango language and I don't have to go pay a specialist or someone who actually would charge me that's unheard of. And I'm so thankful to my MCPL for making that possible. So if you want to hear more, or if you want to know more about services and resources that we offer, I suggest go on our website go under -- actually you can go through A through C resources and see every and all of the resources that we offer or you can come to one of my events. So David, this is a question we usually ask our guests and since we're being both today I've got ask you this. What are you currently reading?

David Payne: I'm actually reading a new book by Frederick Forsyth, that great writer of thrillers and intrigue, it's called The Fox came out last year and it's a slightly different approach by him about -- the story about a 18 year old computer hacker and the havoc he wreaks in terms of hacking and technological espionage. Forsyth to me is a great writer and this is certainly a good work perhaps not his best without going into details. It is slightly humorous it's a parody of current politics in this country and in Britain. So there's a touch of humor and irony in there which may not be for everybody and again it's not -- perhaps not his best work but certainly great Forsyth read. And then I return to you Julie.

Julie Dina:  Well, I'm currently reading and I not even halfway into the book, but the book it's called Ghana must go. And I remember having to display this book when I still worked at the Wheaton Library branch. And at one point, I had to place a hole because it was very popular. And it's by the author Taiye Selassie. And it's basically about a father who lives in Accra, which is the capital city of Ghana and he's a known surgeon and he suddenly dies. And at this point all his kids are scattered in different parts of the world of which I think United States is one of them. But because the death of this man has rippled through the whole world, his kids get to find out and one of the reasons why they all moved part was because of family secrets and crimes. And I think at some point their dad failed them as a father. But because of this death they're all coming back together and they're revealing things that we didn't know about in the beginning and at this point I'm going to say I have not finished a book. So I do know we have copies in our catalog so if you would like to come along this journey with me check -- check it out from one of our branches.

David Payne: And the same of the Frederick Forsyth book many copies of the fox in your local branch.

Julie Dina:  We do know how to pick them.

David Payne: We do.

Julie Dina:  Well well well this has been a very interesting program.

David Payne: It has been different.

Julie Dina:  It has been different but I'm glad we were able to tell you or give you are you know opinion as far as what we love about the library and our experience in libraries from different parts of the world. With that, I would like to say let's keep this conversation going by following us on Twitter, Facebook, Instagram, and Pinterest. Don't forget to subscribe to the podcast on the Apple podcast app, Stitcher or wherever you get your podcasts. Also, please review and rate us on Apple podcasts we’ll love to know what you think. Thank you for listening to our conversation today. See you next time.



Feb 19, 2019

Summary: February is Library Lovers Month, a time to celebrate all libraries do. Hosts Julie Dina and David Payne talk about some of the ways MCPL helps bring County residents together and helps them learn and grow. They also talk about their experiences with libraries in their countries of birth, Nigeria and the United Kingdom.

Recording Date: February 6, 2019

Hosts: Julie Dina and David Payne

What Our Hosts Are Reading

Julie Dina: Ghana Must Go by Taiye Selasi

David Payne: The Fox by Frederick Forsyth

MCPL Resources Mentioned During this Episode:

1000 Books Before Kindergarten: Combine reading and educational activities to reach 1000 books to a child before kindergarten.

Book Discussion Groups: Discuss works of literary fiction, mysteries, African American literature, and more at one of MCPL's many book discussion groups. 

Business and Career: MCPL offers many online resources and programs to help you start a business, find a job, or advance your career

Education and Test Prep: Learn a new skill through or prepare for a test like the SAT or GRE with these free online learning resources. 

Go!Kits: A Go!Kit is a backpack loaded with a tablet, books, toys, and recommended all centered around a particular theme, such as geology, machines, or the weather. There are Little Explorer Go!Kits for kids ages 3 to 6 and Young Voyager Go!Kits for kids ages 7-12.

Knitting and Crochet Groups: Learn to knit or crochet, or share your skills with others at an MCPL branch near you.  

Internet to Go: Aspen Hill, Gaithersburg, Maggie Nightingale, and Marilyn Praisner have laptops with wireless hotspots that can circulate outside the branch.

Loanable Laptops: Laptops are available to be be borrowed for in-branch use at all branches except Noyes. 

Movies: Enjoy free movies through our streaming services such as AcornTV and Kanopy. 

Music: Enjoy free music downloads and streaming through Freegal, American Song, and more. 

Outreach: Invite a member of our Outreach team to share the news about MCPL services and resources at your upcoming community or school event. 

Other Items of Interest Mentioned During this Episode:

National Library of Nigeria

Read the transcript

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