Payday Loan song

To put this topic in perspective, think of the terrible old banker, Mr. Potter, featured in the Christmas classic, "It’s a Wonderful Life." Mr. Potter drove a very hard bargain, but he wanted customers to actually pay off their loans.  Keep in mind that Mr. Potter was lending out money at about 2%. If Mr. Potter could have charge as much as many credit card companies, he would want to stretch out his repayment plans. And if he could charge 500%, he might not actually ever want his loans to be repaid. Welcome to the world of payday lending. During the day I work as a consumer lawyer at the Simon Law Firm in St. Louis, Missouri. My firm has filed several class actions again payday lenders based on their outrageous lending practices--on many occasions they systematically ignore the weak state laws that ostensibly regulate their conduct.   At my firm, we've met undeniable facts demonstrating that payday lenders make most of their money from people they would term "repeat customers," but these people should more accurately be referred to as people who are trapped in high interest loans or 400% or even 500% interest.

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Melanoma is Sneaky

Much to my surprise, I recently was diagnosed with melanoma. Fortunately, I was suspicious of a skin spot, and showed it to a dermatologist. He shrugged and said, "probably not," but cut it off for a biopsy. A week later he called and told me to see a surgeon ASAP. I now am scheduled for minor surgery and further biopsy. The prognosis is, "Don't worry about it." Then a friend from high school shared this video with me, and told me that he's been inspired by my post to see a dermatologist to check out his spots. What you don't know can kill you. Had I ignored the spot, I might have lived another decade before it killed me. I knew a fellow who had a mole burned off, a couple of times, before someone bothered to biopsy it. By then, they gave him 6 months. But he was an athletic individual who wouldn't quit, and lived five years. But those last couple of years were hardly living, in terms of quality of life.

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It is getting better . . .

I just learned of the site called "It Get's Better," dedicated to telling stories to dispel the hate. Here are a few excerpts from the About page:

Growing up isn’t easy. Many young people face daily tormenting and bullying, leading them to feel like they have nowhere to turn. This is especially true for LGBT kids and teens, who often hide their sexuality for fear of bullying. Without other openly gay adults and mentors in their lives, they can't imagine what their future may hold. In many instances, gay and lesbian adolescents are taunted — even tortured — simply for being themselves . . . In September 2010, syndicated columnist and author Dan Savage created a YouTube video with his partner Terry to inspire hope for young people facing harassment. In response to a number of students taking their own lives after being bullied in school, they wanted to create a personal way for supporters everywhere to tell LGBT youth that, yes, it does indeed get better. The website www.itgetsbetter.org is a place where young people who are lesbian, gay, bi, or trans can see how love and happiness can be a reality in their future. It’s a place where our straight allies can visit and support their friends and family members . . .

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The Free Market Problem

Paul Ryan and his supporters are trying to sell their spending cut and lower tax program and they’re getting booed at town hall meetings.  They’re finally cutting into people’s pockets who can’t defend themselves.  They thought they were doing what their constituency wanted and must be baffled at this negative response. Okay, this might get a bit complicated, but not really.  It just requires a shift in perspective away from the definition of capitalism we’ve been being sold since Reagan to something that is more descriptive of what actually happens.  Theory is all well and good and can be very useful in specific instances, but a one-size-fits-all approach to something as basic as resources is destined to fail. Oh, I’m sorry, let me back up a sec there—fail if your stated goal is to float all boats, to raise the general standard of living, to provide jobs and resources sufficient to sustain a viable community at a decent level.  If, on the other hand, your goal is to feed a machine that generates larger and larger bank accounts for fewer and fewer people at the expense of communities, then by all means keep doing what we’ve been doing. Here’s the basic problem.  People think that the free market and capitalism are one and the same thing.  They are not.  THEY ARE CLOSELY RELATED and both thrive in the presence of the other, but they are not the same thing. But before all that we have to understand one thing---there is no such thing as a Free Market.  None.  Someone always dominates it, controls it, and usually to the detriment of someone else. How is it a free market when one of the most salient features of it is the ability of a small group to determine who will be allowed to participate and at what level?  I’m not talking about the government here, I’m talking about big business, which as standard practice does all it can to eliminate competitors through any means it can get away with and that includes market manipulations that can devalue smaller companies and make them ripe for take-over or force them into bankruptcy.

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Two ways to prevent one from doing something

There are two ways to keep a person from doing X.

A) Make it impossible to do X. Make it illegal or expensive or impractical, for instance; or B) Fill up a person's life with dozens of other obligations such that he or she no longer has any time to do X.
I'm dealing with B) at the moment. I have a dozen writing projects I've been working on, but I can't get to them because I'm feeling exhausted with all the other things going on in my life. These "distractions" I've been doing for the past two weeks are important things that I want to do or I need to do (e.g., spending time with my children and tending to crushing duties at work, such as arguing appeals, writing a brief that was just filed with the United States Supreme Court and reconstructing my workstation at the law office after my hard drive died). No one is telling me to stop writing, but the result is the same because of all of these other obligations. There are only so many hours in a week. I have only so much energy and focus, and I find that in order to do original writing I absolutely need blocks of several contiguous hours, at a minimum. Those chunks of quality time have disappeared lately. I'm frustrated, because I very much want to follow up on some articles and write some new ones. On the other hand, my life is full and good. I shouldn't have any complaints, other than I have this urge to try to figure things out, and I do this much better when I write. In moments like these I'm so glad that I decided to make this website a community of writers, an intersection. But there are also other reasons I chose to make this a community, especially the increased interactions with the other authors--an opportunity to learn from each other. Bottom line, I'm sending trackbacks here and there to let readers know that I'm still alive, and I hope to be more active at this site soon.

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