In a recent poll, reading in America is revealed to be, well, less than appreciated by large swaths of the population. This ought come as no surprise. We live in a time of stupendous ignorance, which allows for the expression of epic stupidity. The Founding Fathers were suspicious of democracy…
The political season is getting into high gear, so it's a good idea to have a list of types of fallacious arguments handy. I recently found this collection, titled "The Nizkor Project." All of your favorite fallacies are here, including these: Ad Hominem Ad Hominem Tu Quoque Appeal to Authority…
For the past couple years, I have had the privilege of working as a consumer attorney. I’ve occasionally written about some of the topics I’ve encountered as a consumer lawyer. In this post, I’ll address another issue that I commonly encounter in my practice: illegible forms full of fine print that deprive consumers of fundamental rights.
What provoked this topic is a lawsuit I am currently handling. My client sued a payday lender based on a payday loan that she alleges the defendant repeatedly processed and renewed in violation of the payday lending laws of Missouri. This is a big deal to my client and to all of the numerous potential class members of this class action. Why is it important? For starters, this particular payday lender (and many others) charged 469% interest. This is not a typo. I have often asked friends and acquaintances whether they’ve heard of payday loans. They usually say they have heard of those sorts of businesses. I then ask them how much interest they think payday lenders charge. Most people say something like this:
“Oh, I hear that it is an exorbitant rate of interest, perhaps 25%.”
They are shocked to hear that it is legal to charge consumers 400 or 500% interest on a small consumer loans. They are shocked to hear that some of these companies make it part of their business plan to repeatedly violate Missouri lending laws. They are also shocked at one other thing, the topic of this post. …
The other day I heard a local talk show host, bemoaning a recent case of child molestation involving a 14-year-old and a 5-year-old, wax problematic on how times have gotten so harsh for kids, that he wished we could return to a "time when kids could just be kids. Could…
A significant difference between humans and most other animals is that we have the innate ability to abstract ideas. That is, we can manipulate symbols as though they were things. We do this so well that most people are unaware that the symbols aren't actually the things they represent. If…