Showing posts with label payday loans. Show all posts
Showing posts with label payday loans. Show all posts

Tuesday, November 5, 2019

Why Does God Allow Capitalism?



Why Does God Allow Capitalism? 
By C.A. Matthews
It’s a question that’s often on my mind, day and night. Yes, I actually lose sleep over pondering it. Or maybe it’s just gives me something to mull over in the dark hours as I lie awake suffering from a particularly nasty acid reflux attack or sheering pain radiating down my arm from a trapped nerve. Either way, it does make one wonder why the Creator of Life, the Universe, and Everything (including the brilliant Douglas Adams) would allow such an abomination as capitalism to exist on the Good Earth.

After all, if God (or your Higher Power, if you prefer) made us in his/hers/its/their image, why would he/she/it/they possess such a sociopathic personal attribute that would allow capitalism to flourish? Why would God allow any part of his/hers/its/their nature to become so cold, cruel and downright mercenary? If it is as 1 John 4:8 says, “God is love,” then how could something as unloving and inhumane as capitalism come out of the human heart which was created by Compassion itself?
Case in point: Secretary of Education Betsy DeVos. Why would any celestial being create such a vile creature as DeVos to begin with is beyond me as well, but let's hold off on that discussion for another day. The thing is DeVos exists—in the here and nowand she’s demonstrated repeatedly that she has no regard for the civil rights or feelings of her fellow human beings. As a billionaire, she’s already suspect as a sociopath, but with DeVos it goes much further than mere self-centeredness. 

Betsy DeVos and her family benefit directly from keeping students in debt for the majority of their working lives. Apparently she is also profiting from the heartache and terror of recent immigrants by taking their children and putting them up for private adoption to the highest bidders.
I don’t know about you, but I can’t think of anything less compassionate or more evil than stealing children from desperate families in order to make a quick buck. 

Even sicker, these immigrants are only seeking a safe place in America to raise their children because they were forced out of their homes due to US military interventions and shenanigans. In other words, if we hadn't bombed their countries back to the Stone Age and/or unleashed criminal despots friendly to American Big Business to rule them, these folks wouldn't currently be refugees seeking asylum here. They'd still be living in their native lands.

Unfortunately, DeVos is  not engaging in a new activity for Americans. All you have to do is crack open a US history text (even a poorly written one intended for Betsy's private schools) and turn to the chapter on the Civil War and its antecedents. There you will find sad illustrations of kidnapped Africans in chains being sold as slaves, permanently separated from their loved ones. Once enslaved, African women were often raped by their white masters and overseers, and those children were taken from their mothers to be sold on the auction block. There certainly was no “love” involved in breeding “livestock” as slaves were thought of by their owners.

Euro-Americans have always bought, sold and used other human beings—starting notably with the Native Americans. Whites drove the "Indians" off their lands, eventually killing or containing them on reservations. Native American orphans were kidnapped and educated to become “white” in Carlisle Schools but without all the benefits of possessing a European genetic heritage and bank account. 

The common denominator in American slavery seems to be the more red, brown or black pigmentation in your skin, the more likely you are considered less than human. Persons of color traditionally have had less civil rights and today are more likely to be killed, kidnapped, sold, or adopted out to the wealthy, and their families placed into eternal servitude (student loan and medical debt being forms of wage slavery).

What causes one group of humans to create slaves of another group of humans? The simple answer is, of course, greed. The mechanism greedy Americans use to exercise their need to hoard and take wealth from (or use the very body of) others is known as capitalism. It works on the profit principle. If an activity makes a capitalist profits, then it is allowable and heartily encouraged.

Jacking up college tuition and creating a student loan system that keeps former students forever paying off loans is a perfect example of capitalism functioning as it was designed. And what Betsy DeVos and her capitalist posse are doing by taking children from immigrant parents and making money off their misery is on the par with 19th century slave owners.
So, why does the Almighty allow "slavery in all but name" to continue? Is it a test of some kind? Are we supposed prove to our Higher Power that we can become better human beings by doing all we can to take down our corrupt capitalist system? Are we supposed to exposeand perhaps punishthe elitists hoarding the majority of the material wealth on the planet and wielding all of the political and military power? I don’t know.

Unlike others, I don’t see capitalism as an inevitable step in the evolution of civilization. At best, it’s a spurious path that ultimately leads to a dead end and many prematurely dead people, such as those Americans without adequate health care forced to ration their insulin and ultimately losing their lives. Only until the world embraces the concept of community (as demonstrated in the second chapter of the Acts of the Apostles, verses 44-45: “[They] had all things in common...”) will we begin to see each other as equals, deserving of love and respect. Only then can we begin to heal the wounds of racism, sexism, ageism, classism...

Isn't it time we used the hearts, minds and hands we've been created with to fight the selfish destructiveness of capitalism in the world? There is such a thing as "free will," and as long as we can exercise ours, shouldn't we at least speak out against evil and refuse to cooperate with it? 

Why does God allow capitalism? Maybe it’s not God that allows it but us.  We each need to take a long, hard look in the mirror and decide which side of the moral struggle we want to be on as the spectacle of capitalism becomes grimmer in the coming days.
Tally of children Split at Border Tops 5400 in New Count
https://www.pbs.org/newshour/nation/tally-of-children-split-at-border-tops-5400-in-new-count

The Trump Administration is Making Immigrant Parents Pay $800 for DNA Tests to Get Their Kids Back
https://www.yahoo.com/lifestyle/trump-administration-making-immigrant-parents-161314120.html

High Price of Insulin Leads Patients to Ration the Drug
https://www.npr.org/sections/health-shots/2018/09/01/641615877/insulins-high-cost-leads-to-lethal-rationing

Education Department Awards Debt Collection Contract to Company with Ties to DeVos
https://www.washingtonpost.com/news/grade-point/wp/2018/01/11/education-dept-awards-debt-collection-contract-to-company-with-ties-to-devos/



*** 
 From Faithful America:

Church volunteer Scott Warren was put on trial in June for giving immigrants water and first aid. His case ended in a mistrial -- but Trump's prosecutors are about to try again, with a second trial starting November 12. Scott could face years in prison, just for giving shelter to people in need.

Scott volunteers with No More Deaths, a Unitarian-Universalist ministry that offers water, food, blankets, and medical aid along the border in Arizona. His arrest was a clear attempt by the Trump administration to crack down on immigrants -- and on all Americans who welcome the stranger and show love to our southern neighbors. 

Let's show the Trump administration that these scare tactics won't work: Christians and other people of faith are still paying attention to this story, we are still committed to human rights for immigrants, and we will not stand for this crackdown on Good Samaritans!

Add your name now to tell federal prosecutors: No second trial for Scott Warren -- drop all charges at once!

Thanks for everything you do to love your neighbor and resist intimidation.
In peace,
- Rev. Nathan and the Faithful America team




 ***
From Credo:

Here's a frightening idea: Grand Canyon, sponsored by Coca Cola. Yosemite, brought to you by McDonalds. Acadia, a subsidiary of Aramark.

Under a scheme hatched by former disgraced Interior Secretary Ryan Zinke, that could be the eventual fate of America's national parks.

Reporters recently uncovered shady plans between the Interior Department and national park profiteers, the RV and hospitality industries, and enemies of public lands to privatize national park campgrounds, allow commercialized food trucks and other services at parks, limit benefits for seniors and increase prices.1
This plan would be a massive giveaway to corporate interests and Trump donors who stand to profit from national park privatization. We must speak out now to stop it.

Tell the Department of the Interior: Stop the privatization of national parks. Click here to sign the petition.

According to the recently discovered memo, the Trump administration’s “Made in America” Outdoor Recreation Advisory Committee recommends privatizing national park campgrounds, which are currently managed by the National Park Service, instituting blackout dates and restrictions on senior benefits, increasing fees, expanding infrastructure that could harm wildlife habitat, and allowing mobile food trucks and camp stores on national park grounds.2

These measures will not only limit access for seniors and low income people to these pristine public lands - selling out our national parks to private interests will also line the pockets of Trump donors. Jerry Jacobs Jr., the billionaire chairman of Delaware North, a massive food service and concessionaire with deep interests in America's national parks, sits on the “Made in America” committee, donated at least $167,700 to Trump and stands to make massive profits if the Interior Department follows through with this scheme.

Privatizing America's national parks is another example in a long line of actions by the Trump administration to hand over public lands to private interests and donors, whether it's the fossil fuel industry, mining companies or corporate food and lodging. According to Western Values Project Deputy Director Jayson O’Neill, "Privatizing America’s public campgrounds and jacking up national park fees to appease big-business concessionaires and powerful corporate campaign donors is just the latest egregious attempt to rip public lands out of public hands."3

Activism to protect our national parks from Trump donors and corporate interests works. Thanks in part to more than 143,000 CREDO members who signed our petition, the names of historic locations at Yosemite National Park will be restored to their well-known names, a big victory over billionaire Jacobs, who brought a frivolous lawsuit against the NPS.4

We must speak out loud and clear that our beloved national parks are America's public lands, not a private, money-making playground for billionaire Trump donors. Click the link below to sign the petition:

https://act.credoaction.com/sign/national-park-privatization?t=9&akid=34738%2E9999572%2EwBJzBW

Thanks for speaking out.
Heidi Hess, Co-Director CREDO Action from Working Assets



Sign the petition ►
References:

  1. Frederick Reimers, "A New Plan to Make Camping in National Parks Worse," Outside, Oct. 21, 2019.
  2. Alexander Nazaryan, "Trump advisory council recommends expanding private business in national parks," Yahoo News, Oct. 11, 2019.
  3. Yetta Stein, "Plans to Privatize National Parks Outlined in Trump Admin Memo, Would Enrich Donors & Special Interests," Western Values Project, Oct. 11, 2019.
  4. Josh Nelson, "Victory: Yosemite keeps historic names," CREDO Mobile, Sept. 9 2019.


 ***
Life-Saving Medicines Can Now Prevent the Spread of HIV. Tell All U.S. States to Ensure This Medication Is Readily Available!
 

Sign Now

 


An HIV diagnosis used to be death sentence. But thanks to medical advancements, HIV can be treated as an infection that is manageable with the help of several new prescription drugs. Now, new medications — known as PrEP (to be taken before exposure to HIV) and PEP (to be taken after exposure) — help protect HIV-negative people from the risk of infection.
You'd think ensuring these drugs are widely available to anyone who needs them would be a public health priority. Yet, it's alarmingly difficult for people to get access to these prevention drugs. Worse, many insurance companies don't cover it, so people face the unfathomable choice of protecting their physical health or financial wellbeing.
Luckily, leaders in at least one U.S. state are seeking to change all this. Lawmakers in California have just passed a new law that will allow pharmacies to dispense PrEP and PEP without a doctor's prescription. That means that those at risk of infection will no longer have to see a doctor to access these important drugs.
This is a huge deal, and other U.S. states need to follow suit!
Thank you,
Kelsey B.
The Care2 Petitions Team
 
P.S. Medications can't save lives if people can't access them. Sign the petition to urge states to improve access to HIV prevention drugs!






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Tuesday, May 8, 2018

Stick With Love (#StrikeOutHate)

Stick With Love 
(#StrikeOutHate)
by C.A. Matthews
protest photos by Adrian J. Matthews

This past week, a group of  Toledo area activists took to the streets across from a neighborhood bowling alley with one mission in mind: #StrikeOutHate 

The owner of the bowling alley had a history of posting racist, Islamophobic, homophobic, transphobic, and misogynistic comments on his business' Facebook page and Twitter account. He had been repeatedly called out for his hateful behavior, but he refused to stop the postings. He eventually went as far as to accost a woman wearing a hijab in retaliation for what he felt were Muslims following him in a shopping mall.

Area activists decided enough was enough and a demonstration was planned. It was delayed by one week after the bowling alley owner was interviewed in the newspaper and on local TV news. He claimed he was "sorry" for saying what he said, but he did not apologize to the victims of his hateful postings. He even went on to use further racial slurs in his remarks. A multi-faith council asked to speak with the bowling alley owner and his wife and their faith leader to see if the situation could be resolved positively, but he declined. 


With business dropping off, his Facebook page shut down, and the public and press looking more closely into the bowling alley owner's hateful actions, the owner and his wife said they'd be willing to speak to only one faith leader from the community he wronged. The #StrikeOutHate demonstration was postponed for one week in hopes a full apology was forthcoming. Alas, it was not.

The evening of the demonstration was sunny and windy, but the activists were
strong in their convictions and strong in voice. The vast majority of traffic passing by the bowling alley and the demonstrators honked and gave thumbs up when they saw the signs and heard the chants. Many in the neighborhood had earlier expressed dismay and anguish that such an individual was allowed to operate a business in their ethnically diverse area. What did it say about their community?

Police cars were plentiful just in case of retaliation by white supremacists who had issued death threats and trolled some of the organizers' social media pages. At the start of the event, four individuals wearing mostly black were seen standing diagonally across the street from the protest. They glared sullenly for about fifteen minutes--one of their group carrying a hockey stick--but eventually they walked away. It's telling that white supremacists are rather timid creatures who slink away when it becomes apparent the rest of the neighborhood doesn't approve of racists or racism and death threats.

In this season of re-birth, it is fitting a revival of Dr. Martin Luther King's Poor People Campaign is  now underway. Fifty years on, the same evils King fought against--racism, militarism, poverty--are still with us, more prolific and onerous than ever before. In 1968 (the year of King's assassination) there were 40 million Americans of all colors living in poverty. Today there are over 140 million poor Americans. The campaign labels itself as a "National Call for Moral Revival," and it is seen as a continuation of the campaign King had planned before his death.



Dr. King saw the interlocking nature of poverty, ecological destruction, systemic racism and militarism. It is impossible to get rid of one of these ills without ridding ourselves of the others. King and many others realized that America's problems were not caused by a scarcity of wealth, rather they are caused by a "scarcity of will." The campaign's six week agenda begins the week after Mother's Day and will focus on key issues in a "season of moral resistance" that isn't so much about "left or right, but right and wrong."

Week 1 will focus on children, women and the disabled in poverty. Week 2 considers the connection of systemic racism and poverty, voting rights and attacks on immigrants. Week 3 features Memorial Day, and so it will focus on veterans' issues. Week 4 will look at ecological devastation and how it affects the poor, as well as the right for all to have access to health care. Week 5 covers the topics of wages, guaranteed income, housing issues and social services. Week 6 concludes the campaign with a discussion of America's "distorted moral narrative."

More information about local and statehouse rallies, teach-ins, and cultural events will be posted online at the Poor People's Campaign web site for your state. The national website is https://www.poorpeoplescampaign.org/


As the #StrikeOutHate activists understand, our society's problems don't go away simply by us refusing to face them head on. We all need to challenge the status quo. We must expose discriminatory practices and business people such as the bowling alley owner who thinks attacking women wearing head scarves is a good thing and leaving racist/homophobic/Islamophobic/misogynistic comments online is entertaining and not hurtful. We must model the justice and compassion we wish to see in the world. Only by standing up to hate and sticking with love can we ever hope to bring about the future Martin Luther King Jr. gave his life fighting for.


Join one of the first statehouse rallies in Columbus, Ohio:


More about the #StrikeOutHate protest (and how some in the local media seemed more worried  about the owner's lost business than in human rights):

http://www.toledoblade.com/local/2018/04/24/Twin-Oaks-Lanes-owner-draws-fire-for-anti-Muslim-comments.html

http://www.13abc.com/content/news/Toledo-businessowner-in-hot-water-after-Facebook-posts--480764511.html

http://www.wtol.com/story/38034128/west-toledo-business-owner-receives-backlash-for-past-derogatory-social-media-posts-towards-muslims

***
As the Poor People's Campaign points out, ecological devastation affects the poor first and foremost. Oil pipelines that leak and threaten water supplies is one such issue that needs calling out. A new protest song epitomizes how First Nations People of Canada have taken on the Kinder Morgan pipeline. Listen to the lyrics to "We Don't Want Your Pipeline" and sing it at your next protest.
https://youtu.be/2bKxATTtVaM 

Jordan Chariton interviews anti-pipeline activists, mother and daughter Red and Minor Terry. Keep a tissue handy while listening to their harrowing story of what's happening to their ancestral home in Virginia. Corporations and governments simply don't care about your health, your civil rights or your  land when they believe there's money to be made exporting fracked natural gas overseas. They'll  destroy pristine woodlands and archeological finds, and then sell you bottled drinking water after they've polluted your well.
https://youtu.be/BPnJsMMIi5M

 ***
Our net neutrality could be under attack this week.  Go to https://www.battleforthenet.com/ to join the battle 
by sending an email to your representatives.

***
We have just one week until our 40 Days of Nonviolent Direct Action begin and we need to be ready. 

With thousands of supporters poised for action at dozens of locations around the country as part of our growing moral fusion movement, we have to be prepared for everything. 

That’s why we created the Poor People's Campaign: A National Call for Moral Revival Legal Defense Fund—to ensure the rights of those on the front lines in the fight to reclaim our nation’s soul are protected. 

Donate to the fund today to make sure everyone joining our fight on May 14 and beyond has the legal support they need.
 
Poor and disenfranchised people, clergy and advocates will be protesting at more than 30 statehouses across the country, hosting teach-ins and demanding policies that lift up the 140 million Americans living in poverty. This isn’t about left and right, it’s about right and wrong. 

This fund and those who contribute to it are our last line of defense and a vital part of our movement.


Support the nonviolent direct action at the heart of our call for a moral revival in this country. Contribute now.
 
Thank you for everything you do,
The Poor People’s Campaign: A National Call for Moral Revival


GIVE NOW
***
From Credo:

With average payday loan interest rates as high as 338 percent and check-cashing shops charging exploitative fees, more struggling Americans get trapped in inescapable cycles of debt every single year.1

It's no accident: It's the deliberate strategy of Wall Street-backed lenders that vacuum billions of dollars out of low-income communities every year.2 To break the grip of the predatory financial industry we need tough enforcers, strict rules – and a public option like postal banking to serve as a low-cost alternative.

Progressive champions like Sen. Elizabeth Warren have championed postal banking for years and pushed the U.S. Postal Service to use its existing authority to launch pilot programs. Now, Sen. Kirsten Gillibrand has expanded the fight by introducing new postal banking legislation.3

Tell Congress: Postal banking, not payday lending. Click here to sign the petition.

The dirty secret of the payday lending industry is that there is no money in people repaying their loans on time. The key to the whole profit-making engine, the one that makes lenders’ Wall Street backers rich, is tricking people into taking out a loan and then locking them into months or years of debt. Charging hidden fees and demanding sky-high interest rates, payday lenders are little more than legal loan sharks.4

A full postal banking system would offer a low-cost alternative to the most predatory companies. Low-income neighborhoods often lack commercial bank branches, and many struggling families without access to mainstream banks have little choice but to turn to check cashers and payday lenders. Postal banking would offer basic services like check cashing, savings accounts and cheap loans so that one unexpected expense doesn't trap someone in debt for life.5

The USPS has done this before, from 1917 until 1967. In 1947, the post office held nearly 10 percent of commercial savings in the United States.6 The USPS can do a lot to bring back postal banking on its own and many progressive allies have been pushing for just that. Sen. Gillibrand's new bill adds to those efforts by putting postal banking back on the agenda in a big way.

Tell Congress: Postal banking, not payday lending. Click here to sign the petition.

Some have looked to postal banking as a way to increase revenue for the USPS. But Sen. Gillibrand's bill focuses solely on providing an alternative to payday lenders, thus helping the most vulnerable Americans. The reality is that the USPS's supposed budget woes stem from a deliberate right-wing attempt to sabotage a vital government service by mandating that the agency pre-fund its retiree health care and pension benefits for 75 years – something that no other government agency or private company is forced to do.7

Sen. Gillibrand's bill keeps the attention where it belongs: keeping low-income Americans out of the clutches of a predatory financial industry that wants to trap them into debt and exploit them for all they are worth. Postal banking is an idea whose time has come again, and a big show of support for this bill will provide momentum to every effort to make it real.

Tell Congress: Postal banking, not payday lending. Click below to sign the petition:
https://act.credoaction.com/sign/postal_banking_payday?t=8&akid=28419%2E9999572%2EPYJ39d

Thank you for speaking out,
Josh Nelson, Co-Director CREDO Action from Working Assets

Add your name:

Sign the petition ►
References:

  1. David Dayen, “The Government is Finally Cracking Down on Legal Loan Sharks,” Fiscal Times, March 27, 2015.
  2. Ibid.
  3. Alan Pyke, "Gillibrand’s post office banking bill bypasses years of careful, quiet work to kill payday lending," ThinkProgress, April 27, 2018.
  4. Dayen, “The Government is Finally Cracking Down on Legal Loan Sharks.”
  5. Pyke, "Gillibrand’s post office banking bill bypasses years of careful, quiet work to kill payday lending."
  6. Campaign for Postal Banking, "Know the Facts: Is Postal Banking a New Idea?" accessed May 1, 2018.
  7. Pyke, "Gillibrand’s post office banking bill bypasses years of careful, quiet work to kill payday lending."
***
From Sierra Club:

This year's House Farm Bill is an absolute disaster and it must be stopped. Replete with partisan, anti-environmental provisions, the 2018 House Farm Bill represents Big Ag and pesticide companies over our food supply, wildlife, ecosystem, public health and small farmers -- we need to do everything we can to stop it.


What kind of a Farm Bill cuts programs to develop farmer's markets and undermines sustainable farming? It offers subsidies and tax breaks to big corporations while failing our small family farmers, including those who are historically disadvantaged or veterans. It shrinks programs proven to promote soil health and fight climate change, while raising costs for organic farmers.

This bill continues to support big Caged Animal Feeding Operations (CAFOs) and strikes state rights to set their own food and animal standards, such as pesticide bans or cage-free egg requirements. It even dares to cut safety net programs for low-income residents, exacerbating hunger and food insecurity.

Please urge your House representative to vote down this dangerous bill now.

The House bill weakens critical protections to keep wildlife safe from toxic pesticides and unbelievably, seeks to exempt pesticide manufacturers from any liability for harming endangered wildlife. It even proposes a new office to advocate for the use of genetically engineered organisms around the world. This Farm Bill would log its way through our forests, gut water conservation programs and make it easier for corporate polluters to contaminate drinking water.


The public deserves safe and healthy food, water, wildlife and forests and the House needs to put the greater good before Big Ag's toxic agenda.

Sincerely,
Jordan Giaconia
Federal Policy Associate for Defense
Sierra Club