Readers on payday loans
Re: “Senate passes CPRIT reform Overhaul would change leadership, bar conflicts of interest by officials,” Thursday news story.
Will passing another law whose aim it is to force people into being ethical really work? If everyone acted in morally and ethically correct ways we wouldn need so many laws to begin with would we?
Maybe the problem hides in another darkened corner or our society. Maybe we should examine people’s need and lust for financial gain, social status and ownership of things for the answer. We, as a society, along with many others in this world, have placed so much emphasis on financial status that those who crave it will do almost anything to achieve it.
There are m monsoon wedding dresses any examples of this, such as corporations paying lawyers to find ways to get around the law, to people who understate income and overstate expense to keep from paying taxes, to many unscrupulous people taking advantage of loopholes or lack of checks and balances to pad their own pockets from programs such as Social Security and Medicare, in addition to CPRIT. Maybe we should try to find ways to have people actually want to place morals and ethics higher on their list of needs.
But, on second thought, maybe that’s not the American way.
Re: “Payday loan limits advance in Senate Bill erases tough rules in Dallas, other cities; critics say it too weak,” Wednesday news story.
Sen. John Carona bi monsoon wedding dresses ll proposal could not be more transparent. This is for the benefit of payday loan companies who I am sure are making contributions to Sen. Carona. This bill would weaken laws already in place in every major city in Texas, including Dallas. “In the eyes of none of us is this a perfect bill,” he said. Yes, this is a harmful bill.
The best thing for Texas is for this bill to die. Shame on you, Sen. Carona.
Gary Watrous, Far North Dallas
This article would be better placed on your editorial page than above the fold on the front page of the Metro section. Reporter Christy Hoppe’s article hardly disguises her bias against the industry.
Payday lending is the bottom feeder of consumer credit and caters to fina monsoon wedding dresses ncially desperate people. No one is likely to argue that, but that lender segment exists because its customers face worse alternatives.
The article quotes representatives from AARP (another marketing giant, itself) and from the Texas Baptist Christian Life Commission. Neither representative had anything good to say about the widely maligned payday lenders.
If AARP and the Baptist organization would like to help the financially desperate they champion, they should get into the business. Compete with the payday lenders at interest rates they believe to be “fair.” Constrain their interest rates to maybe only 100 percent surely that would put all the evil lenders out of business and provide a handsome profit to further their own good work.
Put your money where your mouth is, big boys! That the quickest way to learn the old banker’s adage that, “You can charge enough interest to make up for not getting your principal back.”
As a proud Texan, concerned citizen, and former high school English teacher, I am wondering why we are considering abandoning all but a few of the end of course exams, most of which have an initial phase in standard for passing set between 30 and 60 percent. Before we simply lower our standards further, shouldn we first determine the true issue, then work to correct the process for students?
After years of teachers being forced to teach to minimum skills tests, the results yielded a 2010 report ranking Texas 47th in the union regarding SAT scores. The commissioner proposed compromise of eight EO monsoon wedding dresses Cs provides essential measurements. They are fair, aligned and consistent, designed by smart Texans as a way of positioning ourselves against low expectations and mediocrity.
Texas can improve its rankings if teachers, those guys and gals wearing the white hats and champions of children, are given the time, resources, and respect to get the job done. But we should not run away from test results.
The EOC exams make us examine ourselves squarely in the face and do something. Texans are strong enough to face our villain, and the STAAR test is not he. The guy name wearing the black hat is Ignorance.
There are over 900,000 active school teachers and 360,000 retired teachers in Texas, a total of 1.2 million. One in every four households has a member covered under the Teacher Retirement System of Texas.
TRS members are a large part of the economic recovery in Texas. House Bill 1383 provides an increase in funding for the TRS Pension Fund. Texas Legislature decreased the amount of the funding to the minimum required by law of 6 percent. The entire funding of TRS amounts to only 2 percent of the state budget.
On March 20, 1,100 retired educators traveled to Austin to lobby for TRS pension and health care funding. Region 10, including Collin County, was represented by 160 TRTA members. There has been no increase in benefits and a sharp increase in health care premiums in the last 12 years. Our pleas seem to have landed on deft ears. Neither representative from Collin County will support HB1383.
If you are an active teacher or a retired one, I urge you to call or email your representative and ask them to co sponsor HB1383. Without the passing of this bill, the future of retired and active teachers is in economic jeopardy.
Re: “A slowdown, but still growth for Oklahoma tribal casinos,” Monday Business story.
To the quote, “Who says Texas doesn’t have casino gambling? One of the world largest casinos WinStar is just an hour away from D FW’s northern suburbs” I’ll say: It doesn’t.
All of those Texans (myself included) either drive or take the bus to Oklahoma and that is where the revenue from us stays in Oklahoma. Texas gets zero revenue from Texans who gamble.
Texas, however, does get more road wear because of all the traffic that has to leave the state to find a place to gamble.
In the mid 1990s there was an attempt to bring casino gambling to Texas to help fund schools. If it had been brought in then, our schools would not be in constant “we don have enough money” mode.
As you can see by the numbers in the article, even in the great recession of 2008 to 2009, gaming revenue increased each year revenue that goes to Oklahoma, not Texas.
I believe it is time for casino gambling to be brought out of committee (where special interests keep it dead) and be made available for us voters to have our say in allowing it.