Business pharmacy – Partner Pharmacy 24-7 http://partnerpharmacy24-7.com/ Mon, 21 Nov 2022 08:28:29 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://partnerpharmacy24-7.com/wp-content/uploads/2021/10/icon-70-120x120.png Business pharmacy – Partner Pharmacy 24-7 http://partnerpharmacy24-7.com/ 32 32 In South Dakota and Nebraska Deep Red, voters used ballot initiatives to reduce inequality https://partnerpharmacy24-7.com/in-south-dakota-and-nebraska-deep-red-voters-used-ballot-initiatives-to-reduce-inequality/ Mon, 21 Nov 2022 05:54:53 +0000 https://partnerpharmacy24-7.com/in-south-dakota-and-nebraska-deep-red-voters-used-ballot-initiatives-to-reduce-inequality/ This fall, in the run-up to the midterm elections, a group of Catholic nuns, Protestant ministers and other religious leaders caravanned through South Dakota on what they called a “Love Your Neighbor Tour.” . They stopped at grocery stores, restaurants, senior centers, libraries and other community gathering places to start conversations about health insurance. They […]]]>

This fall, in the run-up to the midterm elections, a group of Catholic nuns, Protestant ministers and other religious leaders caravanned through South Dakota on what they called a “Love Your Neighbor Tour.” .

They stopped at grocery stores, restaurants, senior centers, libraries and other community gathering places to start conversations about health insurance. They heard story after story of family members, friends and neighbors struggling to afford quality health care.

The purpose of this tour: to build support for a ballot initiative to help more South Dakotans get the care they need.

Through such initiatives, citizens can circumvent elected officials who have become disconnected from their constituents.

In this year’s elections, voters over 30 states engaged in this form of direct democracy. These voters raised taxes on the wealthy in Massachusetts and Los Angeles, funded universal preschool and child care in New Mexico, and clamped down on medical debt in Arizona.

In South Dakota, the “Love Your Neighbor” campaign won big. By a margin of 56 to 44, voters approved a proposal to force their state government to expand Medicaid eligibility, a move that will help about 42,500 working-class people get treatment.

These people earn too much to qualify for the state’s existing Medicaid program, but too little to access private insurance through the Affordable Care Act. Since 2010, the federal government has covered 90% of the costs when states expand Medicaid, but political leaders in South Dakota and 11 other states refused to do so.

This isn’t the first time South Dakotans have used effective strategies of people-to-people organizing and ballot initiatives for the good of their neighbors.

In 2016, a bipartisan coalition with strong support from the faith community won an incredible victory against financial predators, winning 76% support for a ballot impose a 36% interest rate cap on payday loans. Previously, those rates averaged around 600% in South Dakota, trapping many low-income families in a downward spiral of debt.

In this midterm election season, Nebraska offers another inspiring example of citizen action to circumvent out-of-touch politicians.

For 13 years now, Republicans in Congress have blocked efforts to raise the federal minimum wage, leaving it stuck at $7.25 since 2009. Nebraska’s entire congressional delegation — all Republicans — has always opposed the hikes minimum wage. Rep. Adrian Smith, for example, recently attacked President Biden’s $15 federal minimum proposal as “economically harmful.”

Nebraskans see the issue differently.

Voters there approved an increase in the state minimum wage to the same level Biden has proposed — $15 an hour — by 2026. The measure, which sailed with 58% supportwill mean larger paychecks for approximately 150,000 Nebraskans.

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Studies show gains versus hunger lost with tax credit ending – The 74 https://partnerpharmacy24-7.com/studies-show-gains-versus-hunger-lost-with-tax-credit-ending-the-74/ Fri, 18 Nov 2022 17:03:06 +0000 https://partnerpharmacy24-7.com/studies-show-gains-versus-hunger-lost-with-tax-credit-ending-the-74/ Support The 74’s end of year campaign. Each donation will be matched dollar for dollar. An article in the Journal of the American Medical Association in October confirmed previous research that food insecurity increased significantly after the monthly Federal Child Tax Credits expired on January 15, 2022. The study looked at the period between January […]]]>

Support The 74’s end of year campaign. Each donation will be matched dollar for dollar.

An article in the Journal of the American Medical Association in October confirmed previous research that food insecurity increased significantly after the monthly Federal Child Tax Credits expired on January 15, 2022.

The study looked at the period between January and July of this year in a series of national surveys and found an almost 25% increase in food inadequacy, affecting black, Hispanic and Indigenous families the most.

The article published October 21 in JAMA, “Association of the expiration of child tax credit advance payments with food insufficiency in US householdsinvolved a cross-sectional study of repeated surveys of a nationally representative sample of 592,044 US households.

“The results of this study suggest that loss of monthly payments (child tax credit) was associated with an increased prevalence of households with children in the United States reporting sometimes or often not having enough to eat, a condition associated with adverse health effects across the lifespan,” the paper concludes.

Monthly American Rescue Plan Act (ARPA) Child Advance Tax Credit (CTC) payments were administered to more than 35 million households with children in the United States between July and December 2021. Figures from the Center on Budget and Policy Priorities show that the credits benefited about 2.37 million children in Ohio. Tax credits were associated with a substantial decrease in food insufficiency, according to the study.

Under ARPA, three major changes to the credit have been enacted for the 2021 tax year: an expansion of eligibility to include families with very low or no income; an increase in credit amounts from a maximum credit of $2,000 per child per year previously to $3,000 per child 6-17 per year and $3,600 per child under 6 per year; and provision for half of the loan in the form of a monthly advance between July and December 2021.

As a result of these changes, about 92% of families with children were eligible to receive $250 to $300 per month per child between July and December 2021, according to the study. National data shows that parents report spending monthly CTC payments on food, utilities, rent, clothing and education costs, according to the article.

These monthly payments expired in January 2022 after the US Congress failed to extend the policy.

In a series of surveys conducted by researchers just before the CTC expired, the unadjusted household food insufficiency was 12.7% among households with children.

In late January and early February 2022, following the first missed monthly CTC payment, 13.6% of households with children reported food insufficiency, rising to 16% in late June and early July 2022.

“Given the well-documented associations between the inability to afford food and poor health outcomes across the lifespan, Congress should consider prompt action to reinstate this policy,” the JAMA article recommended.

These latest findings mirror previous research done by the nonpartisan National Research Group at the Brookings Institution and published in April 2022 in a report titled “The impacts of the 2021 child tax credit expansion on employment, nutrition, and the financial well-being of families.

Brookings researchers said the temporary tax credit expansion “has unprecedented reach” and lifted 3.7 million children out of poverty by December 2021.

“The expanded CTC significantly improved food security and healthy eating among eligible people,” Brookings found.

Moreover, according to this study, about 70% of CTC recipients who were negatively affected by inflation said that the payments helped them better manage rising prices.

Besides increasing food security, other areas Brookings said tax credits help families include statistically significant declines in credit card debt compared to those who were not eligible; reducing reliance on expensive financial services such as payday loans and pawnbrokers, as well as reducing blood plasma sales rates; increased capacity to manage emergency expenses and strengthened family emergency funds; and a significant drop in evictions.

Brookings also found that credit enabled families of color to make significant investments in their children’s long-term educational outcomes. Black, Hispanic and non-white households were more likely to use the credit for child care and education expenses, Brookings found.

South Dakota Projector is part of States Newsroom, a network of news outlets supported by grants and a coalition of donors as a 501c(3) public charity. South Dakota Searchlight maintains editorial independence. Contact editor Seth Tupper with any questions: info@southdakotasearchlight.com. Follow South Dakota Searchlight on Facebook and Twitter.


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Credit card balances, burden, delinquencies and collections in the third quarter: consumers are still in good shape with their cards https://partnerpharmacy24-7.com/credit-card-balances-burden-delinquencies-and-collections-in-the-third-quarter-consumers-are-still-in-good-shape-with-their-cards/ Tue, 15 Nov 2022 20:45:30 +0000 https://partnerpharmacy24-7.com/credit-card-balances-burden-delinquencies-and-collections-in-the-third-quarter-consumers-are-still-in-good-shape-with-their-cards/ Credit cards are primarily a payment method, paid monthly. The importance of borrowings has diminished over the years. By Wolf Richter for WOLF STREET. Credit card balances include balances that accrue interest and balances that are paid in full by the due date such that no interest accrues. Many Americans use credit cards only as […]]]>

Credit cards are primarily a payment method, paid monthly. The importance of borrowings has diminished over the years.

By Wolf Richter for WOLF STREET.

Credit card balances include balances that accrue interest and balances that are paid in full by the due date such that no interest accrues. Many Americans use credit cards only as a method of payment (and to get the 1.5% cash back or whatever), not as a method of borrowing. Thus, credit card balances are much more a measure of spending than borrowing.

Fitch estimated that the total amount paid with credit cards in the United States reached $4.6 trillion in 2021. Only a tiny fraction of the expenses were not fully repaid and added to the debt carrying interest.

In the third quarter, credit card balances rose $38 billion from the previous quarter to $930 billion, according to the New York Fed. Household debt and credit report. This $930 billion includes transactions initiated roughly in September but fully repaid in October, which do not generate interest.

Credit card spending has been boosted by the resurgence in travel, with credit cards being used as a method of payment for hotels, airline tickets, rental cars, meals, and more. Soaring costs are further increasing the amounts that pass through credit cards. But cardholders fully refunded almost all of the new amounts paid by credit card during the quarter.

Households have a lot of debt, but the problem isn’t credit cards, it’s mortgages.

In a moment, we’ll look at credit card balances as a percentage of total consumer debt and as a percentage of disposable income, and we’ll look at delinquencies and third-party collections, and we’ll see that the burden of revolving credit is not more than a small fraction of what it was in previous years and decades, and delinquencies have started to rise, but are still below pre-pandemic lows, and third-party collections have dropped to new records.

During the pandemic, plummeting reservations for airline tickets, hotels, entertainment and sports venues, restaurant meals, etc., have led to a drop in the use of credit cards as payment , and that’s where the big dip happened; it shows the collapse of expenditure on services. It is now back to normal as service spending recovers.

And yet, outstanding credit card balances in the third quarter increased by only $43 billion, showing the universal use of credit cards as a method of payment, with balances paid in full each month, and in the extent to which credit cards are used as a method of borrowing. And that makes sense because borrowing with a credit card can be ridiculously expensive, with rates as high as 30%, but paying with a credit card can earn you a kickback.

“Other” consumer loans, such as personal loans, payday loans and Buy-Now-Pay-Later (BNPL) loans, increased by $21 billion, reaching $490 billion in the third quarter . Most of them bear interest, but not all of them: for example, BNPL loans can be subsidized by the trader. These loan balances are now back to their 2003 level, despite 19 years of population growth, rising incomes and runaway inflation.

What is amazing, in fact, is how down these balances are after 20 years of population growth, income growth and inflation:

Decrease in the amount of credit card debt.

Consumers have reduced their reliance on credit card debt over the years, although credit cards have largely replaced checks and cash as payment methods. In 2021, $4.6 trillion was spent on credit cards, yet over the same period credit card balances grew by only $40 billion.

In 2003, credit card balances and other loans combined (the red and green lines in the chart above) accounted for more than 16% of total consumer debt, which also includes mortgages, auto loans and student loans. During the pandemic, this figure fell to 8%. In the third quarter, credit card balances and other consumer debt reached 8.6% of total consumer debt, roughly within the range of the pre-pandemic low in 2014.

Debt burden as a percentage of disposable income.

In 2003, credit card balances and “other” consumer debt accounted for 14% of disposable income (income from all sources minus taxes and social contributions). And then over the years it fell steadily as the burden of credit card balances and “other” consumer loan balances fell relative to disposable income. In the first quarter of 2021, it fell to an all-time low of 6% as disposable income ballooned with stimulus funds. In Q3 2022, it rose to 7.6%, roughly within the range of pre-pandemic lows:

Delinquencies increase, remain at or below pre-pandemic lows.

Stimulus funds delivered directly to consumers during the pandemic – stimulus checks, PPP loans, additional unemployment benefits, etc. – as well as the sums that consumers did not have to pay – mortgage forbearance, eviction bans, etc. dough, and many who had fallen behind on their credit cards have caught up. Others were able to enter their credit card arrears into forbearance programs, and the outstanding balance was marked “current”.

That’s all over, and credit card balances that are becoming unpaid — 30+ days past due — have been growing all year. In the third quarter, they reached 5.2% of total balances, which is in the same range as during the pre-pandemic lows of early 2016.

“Other” consumer loans, such as personal loans, that are becoming delinquent reached 5.8% of total “other” balances and remain well below pre-pandemic lows:

Third-party collections fell to new all-time lows.

The percentage of consumers with third-party collections fell to 5.7%, the lowest on record, and down from 14.6% of all consumers following the unemployment crisis of the Great Recession.

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Is a payday advance from a bank better than a personal loan? https://partnerpharmacy24-7.com/is-a-payday-advance-from-a-bank-better-than-a-personal-loan/ Sat, 12 Nov 2022 12:32:34 +0000 https://partnerpharmacy24-7.com/is-a-payday-advance-from-a-bank-better-than-a-personal-loan/ Image source: Getty Images We’ve all come across an unexpected expense from time to time. Key points 60% of Americans couldn’t cover a $400 emergency expense without going into debt. If you need cash fast and your bank offers payday advances, it might be worth looking into. A personal loan has other advantages, however, such […]]]>

Image source: Getty Images

We’ve all come across an unexpected expense from time to time.


Key points

  • 60% of Americans couldn’t cover a $400 emergency expense without going into debt.
  • If you need cash fast and your bank offers payday advances, it might be worth looking into.
  • A personal loan has other advantages, however, such as a higher borrowing limit and a lower interest rate.

Many of us have been there. You had a car accident, and now you have to pay the mechanic to fix it. This unexpected expense will cost you a few hundred dollars, and like 60% of Americans, you are not able to cover it with your savings. Moreover, you only have money left for the bare necessities in your current account, and your next payday is several days away. What should you do?

You have a few options in this situation. Read on to learn more about bank payday advances versus personal loans, and how to decide which is right for you.

What is a salary advance?

A payday advance loan from a bank or box is called a small loan. These are loans of an amount generally between $100 and $1,000, granted by a bank to account holders. The intention is to give consumers an alternative to predatory payday loans (see below) when they are in a financial bind. If your bank offers them, you’ll get the money you need quickly and pay it back from your next paycheck via direct deposit, or over a period of weeks or months. You will have to pay a fee (either a fixed dollar amount or a small percentage of what you borrow) and interest for the service.

You may soon hear more about payday advances; a Bloomberg Law report in early October 2022 noted that federal regulators want banks to be able to offer them, but banks need more guidance from regulatory agencies moving forward. Personal loans, on the other hand, are already reliably available for your emergency borrowing needs.

What is a personal loan?

A Personal loan is a fairly easy way to borrow a lump sum of money. They usually come with lower interest rates than many other quick cash solutions, like credit cards or payday loans (and certainly lower than payday loans). However, if your credit is not in top shape, you may not be eligible for the best personal loan rates available.

Personal loans are generally in the amount of $1,000 to $100,000, and can often be funded fairly quickly after your application is approved. In some cases you can get the money the same day or the next day. Is there another way to borrow money fast? Yes, but you probably want to stay away.

Try to avoid payday loans

Although it may seem counterintuitive (after all, there’s “payday” in the name), it’s a good idea to avoid payday loans. And depending on where you live, they may be illegal in your area; they have been banned in 13 states and the District of Columbia. Payday loans are small, short-term loans of $500 or less, usually with a very high interest rate.

As of 2022, typical payday loan rates range from 28% to 1,950%. These loans often trick consumers in a cycle of debt from which they cannot easily escape. Can’t repay your loan on your next payday? That’s fine, the lender will turn it into a new payday loan for you! How nice of them. Your best choice is probably a payday loan or a personal loan.

How do you choose?

There are a few things to consider when choosing between a payday advance and a personal loan.

How much money do you need?

A payday advance loan, if you can get one from your bank or credit union, is probably best for borrowing smaller amounts. If your auto repair bill is $350, but the smallest personal loan amount you can take out is $1,000, that’s not ideal. If your surprise expense is larger, you’ll likely get a better interest rate with a personal loan (plus payday advances from your bank may be capped at $500).

How fast do you need it?

If you can wait a few days and have good credit, you may be better off with a personal loan – again, because of interest rates. That said, if your bank offers payday advance loans, they might approve you fairly quickly if you’re an existing customer in good standing. It has already registered you and can access your finances in the form of your bank account(s). Plus, your bank can easily send the money you borrow directly to your account.

How long do you need to pay it back?

This is where a personal loan probably has the advantage. You will have more time to repay a personal loan (months to years) than a payday loan (weeks to months). But again, a lot depends on the amount of money you need to borrow.

Payday advance loans and personal loans have their place, and if you ever get into trouble and need to borrow a relatively small amount of money, both are worth considering. However, it is definitely in your best interest to avoid payday loans.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

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Younger borrowers are likely to use payday loans and are unaware of “more affordable” credit unions https://partnerpharmacy24-7.com/younger-borrowers-are-likely-to-use-payday-loans-and-are-unaware-of-more-affordable-credit-unions/ Thu, 10 Nov 2022 07:00:49 +0000 https://partnerpharmacy24-7.com/younger-borrowers-are-likely-to-use-payday-loans-and-are-unaware-of-more-affordable-credit-unions/ According to a study by the government-backed Money and Pensions Service, young people are twice as likely to turn to high-interest payday lenders than not-for-profit community lenders. Friends and family were the main source of loans for the 25-34 age group, with 26% saying they would turn to ‘close contacts’. Meanwhile, 19% said they would […]]]>

According to a study by the government-backed Money and Pensions Service, young people are twice as likely to turn to high-interest payday lenders than not-for-profit community lenders.

Friends and family were the main source of loans for the 25-34 age group, with 26% saying they would turn to ‘close contacts’.

Meanwhile, 19% said they would consider payday lenders or other high-cost short-term credit if needed.

Only 5% of respondents said they would consider borrowing from nonprofit lenders such as credit unions.

There are 7.7 million financially vulnerable adults in the UK and almost half are aged between 25 and 34

Additionally, the non-profit financial organization Fair4All estimates that there are 7.7 million people aged 18-34 who are financially vulnerable, accounting for nearly half of the 17.6 million estimated adults living in these conditions.

Lauren Peel of Fair4All Finance told This Money: “We’re seeing people who already feel like they’ve cut back and are still overdrawn every month.”

“But they have goals and are ambitious about where they want to live and what careers they want to have.

“A lot of them are tenants and it’s not always a stable market. People worry year after year about the increase in their rent.

What are credit unions and community lenders?

Credit unions are financial cooperatives that provide savings, loans and a range of other services to their members. To join, credit unions generally require members to be part of a common bond, such as living in a designated area or working for a particular employer.

However, you may not always need to be a current union member to use its services.

These organizations are often able to lend money to customers on more favorable terms than other street lenders and have programs in place to help more vulnerable borrowers who may have difficulty accessing credit elsewhere.

Victoria Barry, 36, got tricked by payday lenders in her early 20s, but with the help of a credit union she was able to pay off her debts and is now a homeowner.

Victoria Barry, 36, got tricked by payday lenders in her early 20s, but with the help of a credit union she was able to pay off her debts and is now a homeowner.

Victoria Barry was caught in a vicious cycle of using high-cost payday loans when she was in her early twenties.

Speaking to This is Money, Victoria, now 36, from Manchester, said she initially borrowed just £20 from a payday lender after a friend recommended they fund a night out at the end of the month. However, caught up in the high interest charges, Victoria continued to supplement her salary with loans at the end of the month.

She reached the point where she was paying off almost all of her salary to payday lenders on a monthly basis and then had to get another loan to live on. The tipping point came, she says, when her borrowing exceeded her income.

“The next payment was going to be money I didn’t have in my account,” she recalls. “I only had a salary of £10,500 and the month before I had borrowed £700. With the £150 in interest, I had no way of giving them that money.

At the time, Victoria was working for Co-op Insurance and had noticed advertisements for her credit union on her workplace intranet.

“It was quite shameful, my family is not in debt, so I felt like I had let people down and didn’t want to turn to them. I saw it [credit union adverts] on the intranet and thought I’d give it a try.

It was pretty shameful, my family is not in debt, so I felt like I let people down and didn’t want to turn to them

She says she was worried union staff would blame her for mishandling her money, but when she met an adviser in person he was reassuring and helpful.

They provided him with not only an affordable repayment plan, but also financial health tools, such as budgeting skills, to be able to manage his money.

“Nobody tells you how you budget and it’s very simple, that’s where the money comes in and that’s what you can spend,” says Victoria who now has her own home in Mossley, Greater Manchester .

“It was about someone listening to you and not judging you, which was the most important thing for me at the time.

“Looking back on that time it felt like there was no hope so I’m happy to share my story because if a person like me hears there’s someone out there who can help you who is not a loan shark or pay day lender so it’s worth it.

What else can you do if you need credit?

The first thing Peel suggests is to check if you are entitled to benefits that you are not already claiming.

There are online tools to determine if you can access other sources of income. It is estimated that around £15 billion in benefits go unclaimed each year.

When there’s a need for credit, don’t be ashamed, she says. Just be sure to do your research and approach financing providers who can help you find a lower cost option.

High-cost payday lenders are often at the top of search engine results, so take the time to look a little deeper to determine what’s available and affordable.

Victoria Barry echoes the message that you shouldn’t be ashamed if you’re in financial trouble and seek help.

She suggests talking to a credit union, but even if they can’t help you, they can direct you to other sources of help.

“Asking for help is the first step,” she says.

According to a study by Bluestone Mortgages, one in six adults (16%) say they are too embarrassed to ask for help when they are in financial difficulty.

However, a bigger barrier to getting advice is that almost a third (31%) don’t think they have a right to help, while more than a fifth (22%) say they don’t know where to start looking for help. .

To raise awareness, credit unions and other community lenders are encouraging young people in their 20s and 30s to review their credit choices and consider the options available to them through a range of local and national community lenders that may suit their financial situation.

They can be found at Find your credit union – the funds near you and Find Finance – Responsible finance providers offering simple and smaller affordable loans.

Some links in this article may be affiliate links. If you click on it, we may earn a small commission. This helps us fund This Is Money and keep it free to use. We do not write articles to promote products. We do not allow any business relationship to affect our editorial independence.

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3 principles for settling political disputes in the… https://partnerpharmacy24-7.com/3-principles-for-settling-political-disputes-in-the/ Mon, 07 Nov 2022 19:14:01 +0000 https://partnerpharmacy24-7.com/3-principles-for-settling-political-disputes-in-the/ Each election season, some Christians recall us that “Jesus is not a Republican or a Democrat”. But every election season, other Christians tell us it’s wrong to vote for a candidate who supports abortion, or that Christians should vote only for candidates who will fight racial injustice. With issues of grave moral importance on the […]]]>

Each election season, some Christians recall us that “Jesus is not a Republican or a Democrat”.

But every election season, other Christians tell us it’s wrong to vote for a candidate who supports abortion, or that Christians should vote only for candidates who will fight racial injustice.

With issues of grave moral importance on the ballot – human life, religious liberty, marriage, economic and racial justice, and health care for the vulnerable – surely God must care how we let’s vote. Yet it is also clear that Christians cannot agree on how to vote, even when issues related to biblical teachings are at stake.

Some Christians proudly wear MAGA hats, display large Trump flags and cheer on Republican politicians when they visit their churches, in part because they believe the GOP is the only party that will stop abortion or defend Christian rights. conservatives to act on their sexual beliefs. ethics.

Other Christians write editorials arguing that supporting Trump is an abandonment of gospel values, because they believe his actions and rhetoric (repeated by other Republican politicians) cannot be reconciled with the biblical injunctions to love the stranger , to care for the poor or to treat others as divine image-bearers.

How, then, should Christians deal with other Christians with whom they disagree politically? Is there a way for us to find common ground in the gospel, even while being open to each other about our political differences?

Yes, but it will force us to move beyond an idea that has become pervasive in the United States: the assumption that our morality is defined by our political choices.

A 2020 survey showed that 38% of Americans would be “upset” if their child married a member of the opposing political party. “It’s not ‘just politics’ anymore. This is a serious moral fracture,” one person explained. And it was before the January 6 attack on the United States Capitol, the second impeachment of Donald Trump and the reversal of the Supreme Court’s decision Roe vs. Wadewhich sharpened the partisan divide on moral issues.

Followers of Jesus care deeply about opposing sin and seeking justice, and therefore it may seem counterintuitive to suggest that we should be careful about making our political choices a moral cause. But it is precisely because of our Christianity that we recognize the moral limits of politics.

We can and must use politics to achieve justice. there is no doubt. But we must also recognize our own fallibility in doing so. And we must be extremely careful about making our political choices a moral litmus test when dealing with other Christians who have made the opposite calculation. In other words, as argued by Michael Wear in a recent CT articlewe must avoid “political sectarianism”.

In theory, at least, we can relate well to Christians of opposing political views when we recognize three key points:

1. Our two main political parties reflect certain Christian principles, but also mix these with heretical distortions of biblical truth.

Because the United States has been heavily influenced by Christianity, both the Republican and Democratic parties have been influenced by many Bible-believing Christians. Currently, ordained Christian ministers from each of these political parties sit in Congress. The platforms on either side reflect decades of Christian lobbying.

The Democratic Party’s concerns about poverty, racial justice, health care and environmental stewardship have received support not only from mainstream Protestants and Catholics, but also from many Black and Hispanic Protestant Christians and some evangelicals of all races.

The Democratic Party was deeply shaped by people of Christian faith. President Franklin Roosevelt’s New Deal social programs of the 1930s were created by believers in the social gospel. The party’s commitment to civil rights was never far removed from the concerns of the black church.

Although Democrats’ positions on some issues, particularly sexuality and abortion, do not align very well with those of theologically orthodox Christians, the party’s champion of equality and diversity is rooted in an ecumenical Christian vision. which was popular with liberal Protestants of the late 20th century.

Likewise, the Republican Party has been profoundly shaped by the language of the Christian faith. The Republican Party Platform 2016 mentions God 15 times and affirms the principles of religious freedom, the protection of the unborn child and the importance of marriage.

Since its founding just before the Civil War, the Republican Party has been a bastion of primary Protestant morality. But in the late 20th century, it also became the party of many conservative white Catholics and evangelical Protestants attracted to the group’s conservative positions on abortion, sex and religion in public life.

As a result, some of the party platform statements appear to be taken directly from the work of thoughtful conservative Christian scholars. The platform, for example, states that “children raised in a two-parent household tend to be healthier physically and emotionally, more likely to do well in school, less likely to use drugs and alcohol, commit crimes or become pregnant outside of marriage. .”

But while the Democratic and Republican parties were both shaped by Christian principles, they also distorted Christian truths, which means that believers who become staunch supporters risk confusing heresy with Christian doctrine.

The Democratic Party’s strong commitment to pluralism and equality, for example, has led the party to adopt strong affirmations of abortion rights, same-sex marriage, and other LGBTQ rights that cannot be reconciled with the historical Christian orthodoxy.

And the Republican Party’s pleas to God are accompanied by numerous claims about American military might, American exceptionalism, gun rights, and the moral imperative for a pro-growth (less progressive) tax code that some christians have disputed.

The realization that every major party affirms both Christian principles and heretical beliefs should give Christians the freedom to embrace other Christians who support an opposing political party.

As an American Christian, I know that the political party I support is deeply flawed, and I also know that the other contains elements of Christian truth. I am therefore comforted to see other Christians committing themselves to another political party or, perhaps even better, challenging both political parties better reflect the principles of justice.

2. Political disagreements among Christians are often about strategy rather than moral principles.

Even when we argue about a political issue related to a clear moral principle, the commitments themselves may be clear, but the political strategies are not.

For example, Christians may agree that abortion is wrong, but disagree on which policies are most likely to save unborn lives. Some believe saving the unborn means electing politicians who will make abortion illegal. Others believe saving the unborn means voting for politicians who will create expanded maternal health care policies and better family leave policies.

When we recognize that many disagreements are about politics rather than moral principles, we will be better placed to listen to Christians who have chosen a different political strategy and more aware that they can be just as orthodox and just as concerned about underlying moral. problems.

If this is true for some aspects of the abortion debate, it is also true for any other political debate based on morality. The imperatives to treat immigrants with dignity, to seek racial justice, to care for God’s creation, to support marriage, to reduce poverty and to seek peace are all undeniable aspects of Christian ethics. But believers can legitimately disagree on how to translate each of these mandates into specific policies.

While Christian theology can point us in the direction of what we should aim for as we bring the kingdom of God into contemporary society, we may need to turn to history, economics, political science, sociology, and more. other related fields for how to achieve this. And even then, the answers we arrive at will probably depend more on our assumptions than we care to admit.

3. Any attempt to make society more moral through legislation will inevitably be selective and incomplete and may offer mixed results.

What major political party in the United States is committed to solving the problems of divorce, gambling addiction, marital infidelity and alcohol abuse? Which party will do the most to protect the poor from being exploited through payday loans? Which party will fight against the pornography industry?

If you haven’t seen any political advertising this election season that addresses any of these issues, it may be a sign of the moral selectivity in our current partisan politics. It can also be a sign of the limits of politics. American Christians of previous generations created political campaigns to address almost all of these issues, but without much lasting success.

As a result, politicians don’t talk much about these issues anymore, but, of course, Christians should care about combating these and many other evils. The more we broaden our view of how to pursue God’s justice in the world, the less likely we are to define our moral compass by the very limited and imperfect measure of a political party’s platform.

The task of bringing the light of the kingdom of God to our society is so much larger than a partisan agenda – that is why we should never confuse the kingdom of God with partisan politics. Political choices are important, of course, but in most cases, for the faithful Christian, their significance is more a matter of wisdom and strategy than of morality.

Political parties do function as very imperfect tools for accomplishing particular goals, but they become horrible idols when we treat them as sources of our moral identity.

In this election season, let us use the election tools God has given us, but then let us unhesitatingly embrace a Christian sister or brother who makes a different political choice – knowing that the other Christian likely shares our moral concerns but adopts a point of different view on how best to apply them.

Daniel K. Williams is a professor of history at the University of West Georgia and author of Unborn Child Advocates: The pro-life movement before Roe v. wade.

Speaking Out is Christianity Today’s guest opinion column and (unlike an editorial) does not necessarily represent the opinion of the publication.

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Payday Loan Services Market by Product, Application, Geography and Key Players: Wonga, TitleMax, DFC Global Corp https://partnerpharmacy24-7.com/payday-loan-services-market-by-product-application-geography-and-key-players-wonga-titlemax-dfc-global-corp/ Sat, 05 Nov 2022 09:58:24 +0000 https://partnerpharmacy24-7.com/payday-loan-services-market-by-product-application-geography-and-key-players-wonga-titlemax-dfc-global-corp/ A2Z Market Research presents new Payday Loan Service research covering the Micro Level of Analysis by Competitors and Key Business Segments (2022-2029). The global Payday Loan Services report explores an in-depth study on various segments such as opportunity, size, development, innovation, sales and overall growth of key players. The research is carried out on primary […]]]>

A2Z Market Research presents new Payday Loan Service research covering the Micro Level of Analysis by Competitors and Key Business Segments (2022-2029). The global Payday Loan Services report explores an in-depth study on various segments such as opportunity, size, development, innovation, sales and overall growth of key players. The research is carried out on primary and secondary statistical sources and consists of qualitative and quantitative details.

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Leading companies in this report include: Wonga, TitleMax, DFC Global Corp, Cash America International, Speedy Cash, Pay Day Advance, Check `n Go, MEM Consumer Finance, Instant Cash Loans, LoanMart, Allied Cash Advance, Finova Financial, Same Day Payday, MoneyMutual, TMG Loan Processing , LendUp loans, Just military loans.

Since analytics has become an integral part of every business activity and role, the central role in today’s business decision-making process is mentioned in this report. Over the next few years, the demand for the market is expected to increase significantly globally, enabling healthy growth of the Payday Loan Services market is also detailed in the report. This report highlights that the manufacturing cost structure includes material cost, labor cost, depreciation cost, and manufacturing procedure cost. Pricing analysis and analysis of equipment vendors are also done by the analysts of the report.

This research report represents a 360-degree overview of the competitive landscape of the Payday Loan Services market. Moreover, it offers massive data related to recent trends, technological advancements, tools, and methodologies. The research report analyzes the Payday Loan Services Market in a detailed and concise manner for better understanding of the businesses.

The report, with the help of in-depth business profiles, hands-on project analysis, SWOT examination and some different information about the major organizations working in the Payday Loan Services market, presents a scientific point record per point of market competitiveness. script. The report also presents a review of the effect of recent market developments on the future development prospects of the market.

Global Payday Loan Services Market Segmentation:

Market Segmentation: By Type

Financial support from the platform
Off-platform financial support

Market Segmentation: By Application

Personal
Retirees

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The global payday loan services market is spread across North America, Europe, Asia-Pacific, Middle East & Africa, and Rest of the World.

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Labor accessibility is obviously disrupting the inventory network of the global payday loan services market as the lockdown and spread of infection pushes individuals to stay indoors. The presentation of the makers and the transport of the products are associated. If the assembly movement is stopped, the transport and the store network also stop. Stacking and dumping of elements, i.e. raw materials and results (fasteners), which require a ton of labor, are also being hit hard by the pandemic. From the entrance of the assembly plant to the warehouse or distribution center to the end customers, that is, the application companies, the entire inventory network of the loan service on salary is seriously compromised because of the episode.

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Lefsetz Letter » Blog Archive » Takeoff https://partnerpharmacy24-7.com/lefsetz-letter-blog-archive-takeoff/ Wed, 02 Nov 2022 20:56:18 +0000 https://partnerpharmacy24-7.com/lefsetz-letter-blog-archive-takeoff/ If this guy was white… Most people have no idea what’s going on behind the discs. Despite the bluster, the silver flash, the real life of these rappers is not depicted. They are in danger. In an underground economy. It’s the rock and roll of old. A cash business, but much more dangerous. Not that […]]]>

If this guy was white…

Most people have no idea what’s going on behind the discs. Despite the bluster, the silver flash, the real life of these rappers is not depicted.

They are in danger.

In an underground economy.

It’s the rock and roll of old. A cash business, but much more dangerous.

Not that I knew that much until I read Joe Coscarelli’s book, “Rap Capital: An Atlanta Story”: https://amzn.to/3Ns7PMl and spoke to him for the podcast: https ://bit.ly/3haAadK

First, we have a huge incarceration problem in America, which disproportionately targets black men. It’s amazing how many of these eventually famous rappers go in and out of prison. And if you think racism is outdated, you need to be on the Supreme Court. There are places in Georgia where rappers are on their toes due to notorious white police crackdowns on petty crimes.

As for the pay…

Everything looks simple from the outside. There are record company royalties and concerts. But it’s much more complicated than that. There’s tons of cash gigs the IRS not only misses rich CEOs but also rappers, who themselves are sometimes incredibly rich because of this economy, where you show up at a club to rap for follow and… you can do several concerts per night. That’s another amazing thing about Coscarelli’s book, how rich some of these rappers are.

Not that a career is guaranteed. It’s one thing to have a hit, it’s another to maintain it.

And it’s not just the underground economy that’s involved, but also the Fortune 500. They know that rappers have the most credibility, not to mention popularity, with the target audience, so they go into business with them. . It used to be that you had to have a certain number of visits before companies called you, but now they’re involved from the start.

And so many acts are disposable. And find themselves where they come from. Never mind the fact that many do not.

And while rockers and old swaggers are still trying to figure out the internet, it was embraced by the hip-hop community right from the start. Rappers knew that you had to give to receive, like a drug dealer. They knew it was about getting the big money, not the little one. Ergonomic Mixtapes. These recordings endeared them to an audience that bonded with them. There was a lot of money on the road, if you had fans.

And cultural.

And, culture involves a lot of posturing and violence.

And white people and the mainstream media might report it, but they don’t denounce it.

It’s taken for granted that rappers get shot. Why?

Well, we could go to the source and ask why black people don’t have more opportunities. Coscarelli writes about college graduates who end up doing manual labor. But affirmative action is taboo, because someone might gain an advantage that has been incorporated into a majority group. I mean you have to attack the problem at some point.

And let’s be clear, it’s not what you learn at Harvard or Yale, it’s the people you meet, who are part of your network. JD Vance was a hick until he went to Yale Law School, built relationships, worked with Peter Thiel, and ended up writing a twisted book he used as a platform to run for Senate from Ohio. Where is the concomitant advantage for blacks?

Believe me, the upper middle class knows all the tricks. But even the middle class has no idea, that the best educational institutions are blind to need, and if you can get in and you’re broke, you don’t have to pay a dime.

America’s information deficit, right there.

So think of all the people who profit from rapping. White-run labels, TV and streaming companies, the aforementioned Fortune 500, but none of them lift a finger to counter the violence in the culture, they don’t even bother to speak out against it.

This is racism incarnate.

As for George Floyd… All the companies that have supported black people… that was then and this is now, the end result is far from major, it’s the same as ever.

So if a white rapper had been shot, there would have been front-page stories about his family, their devastation. And there would be investigative articles in the media asking how this could happen. How this honest citizen of good family got suffocated. Yeah, they were coating the background of the deceased, were they reading an obituary where they said the person was an arrogant punk?

And all the government leaders would come together and talk about action.

Meanwhile, where are the stories about Takeoff’s family? Where is the deep dive into his past life?

AND WHERE IS THE OUTRAGE!

We can start with gun control… But it seems to go the other way. I would think twice before moving to Texas, where anyone can carry a gun without a license. Rave me about the supposed economic benefits all day long, they don’t mean much when you’re dead.

The truth is that white people and the mainstream community don’t care if another black person dies. Just one less mouth to feed. Yeah, that’s how they see it, that black people are taking it, always wanting more, the government has to stop supporting them.

While they’re at it, why don’t they take out all that money the government disproportionately gives to red states, huh?

And an advanced society watches over those at the bottom of the economic ladder. In most western countries. But welfare was stifled under the Clinton administration and the idea that black women just have babies and are supported by the government is wrong. You think someone should take your money, that you should pay less tax, but when there’s a natural disaster, you want federal help right away.

Yes, there must be a scapegoat. And blacks are number one.

Even if their schools are not up to standard. The right says that you have to choose the school, close the bad schools, only there is not enough room in the good schools for all the disadvantaged! And in truth, it is only a ruse to advance the cause of religious schools, which are not free, and if you are not a believer…

And don’t equate every rapper with Kanye. They’re not that rich and they’re not that crazy. They are just trying to survive.

So we have to take the guns off the streets. Enough of throwing our hands in the air. When your kid gets shot, you go crazy, and someone else’s kid?

And how about a denigration of violence. Why are gangs and violence portrayed as cool? A lot of kids join gangs not because they’re cool, but just to survive. And since the police are ineffective, the gangs and others take the law into their own hands. And since opportunities are scarce, kids sell drugs, for that quick cash, I mean how long are they going to live anyway?

That’s what amazed me in “Hoop Dreams”. They threw a big birthday party for the player because living to be eighteen is such a feat. Do we feel the same as white people? That just staying alive is something to celebrate?

And often they find the perpetrators and lock them up, but that’s not really a deterrent, because they don’t think they have much of a future to begin with. And honor and image are everything, as if we were living in the feudal past.

All those talent agencies and apparel companies can drop Kanye like he’s hot, but how about dropping those involved in violence. Believe me, if you take away the few opportunities, it will change the culture.

As for clubs and strippers and making it rain…

Everyone can choose how they want to live their life but we flood these great athletes with money that they have no education on how to spend and then they blow it up and end up broke and eventually dead with CTE. But gamers are disposable, just like rappers. Hell, most NFL players don’t even have guaranteed contracts! Get hurt and you’re out. We don’t care about you. Life is hard. Meanwhile, the bad actor billionaire owner continues to rape and plunder not only in business, but also in his personal life.

It’s a way to demonstrate your status, by earning money and spending it.

Now, in truth, on TikTok there are all these videos that talk about money, about the economics of buying a new car, about investing. Maybe newcomers will see them, but we don’t even teach economic skills in school, because if we did, salespeople couldn’t laugh at these customers. Dollar stores, payday loans… They’re obnoxious, but if you’re broke, sometimes you don’t have a choice.

Somehow, America has flipped, and it’s white people who are at a disadvantage. What’s a poor boy to do? Don’t play in a rock and roll band, BUT BECOME A RAPPER! It is one of the few potentially well-paying jobs for an underprivileged youth, other than drug dealing.

But we demonize these people, because we take advantage of their backs.

Come on, black people are way above their weight when it comes to culture. And, unfortunately, this culture of gun violence impacts not only them, but also white people, BECAUSE IT’S SEEN TO BE COOL!

Let me tell you, when you’re dead, nothing is cool. Finito. It’s finish. The challenge is to stay alive. Shit, the government should give a million dollars to every rapper who hits 40. Better yet, a guaranteed income for all, including blacks.

But no one wants to PAY FOR IT! I don’t understand, you want to live in Venezuela? I’ve been there, the wealthy people live in the hills in houses surrounded by concrete walls topped with barbed wire.

You think you are immune, but you are not. We live in a big society. And you are part of it, and you are vulnerable. If you don’t take care of your siblings, raise them, it will impact you negatively.

But then you have all those executives who say they’ve made their billions and don’t recognize that without customers they’d have NOTHING!

Consumers are kings. But that’s not how our society sees it. We worship the rich and criticize the poor, ignoring what goes on in their brains.

And when it comes to hip-hop, it’s all about creativity. You don’t get to the top by accident. So why can’t we recognize it, except in award shows that nobody watches anyway?

Certainly, everything fades almost instantly these days. But in the aftermath of Takeoff’s death, I haven’t seen any official elected commentary on it. I didn’t see any outcry. At best, there was a shrug.

And that’s not right.

Something has to give. And if you don’t fix the underlying problem, it will affect you.

Come on, is anyone outraged that this guy was shot?

I suppose not.

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Unbanked Americans at rock bottom https://partnerpharmacy24-7.com/unbanked-americans-at-rock-bottom/ Sun, 30 Oct 2022 07:20:24 +0000 https://partnerpharmacy24-7.com/unbanked-americans-at-rock-bottom/ NEW YORK – The number of Americans without bank accounts fell to a record low last year, as the proliferation of online-only banks and an improving economy bring more Americans into the traditional financial system. A new report from the Federal Deposit Insurance Corp. published last week revealed that 4.5% of Americans – representing about […]]]>

NEW YORK – The number of Americans without bank accounts fell to a record low last year, as the proliferation of online-only banks and an improving economy bring more Americans into the traditional financial system.

A new report from the Federal Deposit Insurance Corp. published last week revealed that 4.5% of Americans – representing about 5.9 million households – did not have a bank account in 2021. This is the lowest level since the FDIC began tracking the data in 2009 and compared to 5.4% of Americans in the 2019 survey data.

The decline in unbanked households can be partly attributed to the coronavirus pandemic. States and the federal government handed out trillions of stimulus dollars to Americans after covid-19 crippled the US economy in March 2020. Benefit programs largely needed a bank account to send funds quickly to people affected.

“During the pandemic, consumers opened bank accounts to quickly and securely access relief funds and other benefits,” Acting FDIC Chairman Martin J. Gruenberg said in a statement. .

But the FDIC attributed most of the improvement to the strength of the economy in 2021, as restrictions related to the coronavirus pandemic largely expired and the unemployment rate was low.

Black and Hispanic households remain much more likely to not have a bank account, though those numbers are improving. About 11.3% of black households do not have a bank account, up from 13.8% two years earlier. Among Hispanic households, that figure fell from 12.2% to 9.3%.

The top reasons someone would choose to be unbanked were largely unchanged from previous surveys. One in five unbanked households said not having enough money to maintain an account was the main reason they didn’t have one – a sign that being unbanked remains a problem. economic inclusion.

The FDIC began tracking unbanked Americans in 2009. In 2011 data, the number of unbanked Americans increased significantly following the Great Recession. While Americans have kept their bank accounts during the coronavirus recession, the number of unbanked Americans may increase in the future if inflation continues to hurt the economy and unemployment rises.

Other households had privacy and trust issues with banks. Large companies like Amazon have tracked consumer data through credit card usage for some time, but banks also profit from this data.

Americans outside the traditional financial system face many hurdles with their day-to-day finances, which is why policymakers are pushing so hard to get unbanked households to open a savings or checking account. Check cashing services, utility payment services, rent payments without a bank account often come with fees, money that someone with a bank account would not be subject to.

New immigrants and refugees are also among the unbanked. Jhuma Acharya, a former refugee from Bhutan and a case manager with Refugee and Immigration Community Services in Columbus, said he’s seen an increase in clients calling him about businesses that won’t accept not their money.

“I have never worked with a single (new) refugee who said they used a credit card in their lifetime,” Acharya said.

Acharya said customers typically take at least five months to build up enough credit with banks in the United States to open an account. In the meantime, Acharya said they are trying to educate customers on how to set up a debit card and how to use their electronic benefits transfer card.

There has also been a growing number of businesses that no longer accept cash as a form of payment, an issue that several state legislatures have begun to address.

Some states and cities required cash to be accepted before the covid-19 pandemic, such as New Jersey, Massachusetts, San Francisco and Philadelphia. However, at least seven states have passed such bills since the pandemic began, mostly in response to the growing number of contactless businesses following CDC recommendations to limit cash use for fear of spreading the virus.

Delaware, New York, Oregon, Arizona, Colorado, Connecticut and Rhode Island have all passed bills requiring businesses to accept cash, according to data from the National Conference of State Legislatures. More than a dozen states have introduced cash-mandated bills since 2020. At least three bills in the Republican-majority states of Florida, Mississippi and North Dakota have died in committee, along with two bills in New Hampshire and Wisconsin, mostly held by Democrats.

In Ohio, State Senator Louis Blessing III, Township of R-Colerain, introduced a bill in the 2021 legislative session that would open businesses up to lawsuits if they don’t accept cash as a means. of payment. Blessing cited protecting immigrant and poor communities as a driver of the bill, as well as protecting the data privacy of consumers and older people, who are more likely to use cash.

The bill is still pending in the Ohio legislature.

“I think if this bill went to a vote, every Democrat in the state would vote yes,” said Blessing, who was voted down mostly by his Republican counterparts in the Republican-held state.

The survey also revealed that the percentage of so-called underbanked households – those who have a bank account but still use expensive financial services like check cashing, pawnshops, loans payday and remittances – also declined.

The FDIC also found that about half of all US households used a non-bank payment service such as CashApp, Venmo, or PayPal in 2021.

Information for this article was provided by Samantha Hendrickson of The Associated Press.

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Kim and McGuire face off in Lake County Treasurer’s campaign – Chicago Tribune https://partnerpharmacy24-7.com/kim-and-mcguire-face-off-in-lake-county-treasurers-campaign-chicago-tribune/ Thu, 27 Oct 2022 21:46:41 +0000 https://partnerpharmacy24-7.com/kim-and-mcguire-face-off-in-lake-county-treasurers-campaign-chicago-tribune/ Four years after becoming Lake County treasurer in a 2018 blue wave election, Mundelein Democrat Holly Kim faces a challenge from Republican Paula McGuire of Green Oaks. Kim touts nearly $10 million in investment income earned in 2020, up from $2 million four years ago, the launch of online billing to reduce printing and postage […]]]>

Four years after becoming Lake County treasurer in a 2018 blue wave election, Mundelein Democrat Holly Kim faces a challenge from Republican Paula McGuire of Green Oaks.

Kim touts nearly $10 million in investment income earned in 2020, up from $2 million four years ago, the launch of online billing to reduce printing and postage costs and the launch of a 24-hour support system among its achievements.

She also said she had raised the profile of the office from a time when “no one really knew anything about the Treasurer’s Office”, despite a host of challenges presented by the COVID-19 pandemic.

McGuire, a longtime accountant for PwC, says things aren’t going so well and she can usher in changes to better serve Lake County residents.

“I think there’s a fine line in being a PR office and having some sort of fiduciary professionalism in place as well,” McGuire said. “I think the main focus would be to make sure that community assets are properly protected and then you would make sure that individuals in the community actually have access to all the information that they are looking for and maybe you would report, of course on a quarterly basis, what is going on in this office.

Kim took the job with a vision to play a bigger role than just being an office that “just collects the money” from property tax payments and manages a portfolio worth a few hundred million dollars. dollars in county assets.

“It’s true, this office is just collecting the money,” Kim said. “But honestly to God, with the way we invested and returned money, it all helped the county keep its levy flat for three straight years because we got all those extra millions of dollars. So I guess we can help in different ways.

Kim said the increase in investment income was partly due to investments made in ways that his predecessor, David Stolman, “didn’t realize” were available after updates to state laws governing the management of county investments, including the seizure of corporate and municipal bonds. markets.

She added that this raise helps the treasurer’s office “give back millions” so the Lake County Board can then “do things like road projects or flood (mitigation).”

McGuire said she wondered if the wins shared by Kim might be too good to be true.

“If I asked (Kim) specifics about it and how it happened, I’m not sure she could answer that question,” McGuire said. “I found that to be a bit, how do you say that…impossible. If you’re investing according to state regulations and looking at the rates of return over those years, and I don’t want to answer to her question in her place but in my opinion the only way to do that is if you have a huge base influx I kind of tried to press her on that in another situation and she didn’t haven’t really been able to answer the question.

Republican Paula McGuire of Green Oaks is challenging Democratic incumbent Holly Kim for Lake County treasurer in the Nov. 8 election.

McGuire said that if she were to win the job, she would want to ensure that investments are made in clearly permitted areas as defined in state regulations, which she said, “there is a question whether or not this has actually happened in the past here for the past four years.

“Because I’m not a politician, one of the things most people say when dealing with the treasurer’s office is that they want to be more transparent and more specific,” McGuire said.

She said that in order for residents to “get the details” on the desk, “you need the FOIA.”

Kim said she has made other improvements to benefit taxpayers, including reducing eCheck fees to free for online and phone payments, as well as joining the Illinois BankOn Commission, in the part of a mission to encourage people to avoid taking payday loans.

“We work with the state; it’s really a move in that we’re moving people away from payday loans and starting a relationship with a bank or credit union instead,” Kim said. “There are a lot of things I’m involved in that this office has done to help people.”

McGuire said her “stronghold is numbers” and that she has the financial sense to “act proactively instead of worrying about acting reactively.” A Lake County resident for more than 25 years, McGuire said, she has experience in the insurance industry, banking industry and financial investment services.

She said now was the right time to run for public office since her kids are grown and she’s not one to sit around and complain about things she’d like to see changed, rather than d act to implement them itself.

“With the political climate as it has been for the past five years or so, I don’t think anyone can really sit down and complain about something unless they’re trying to do something,” McGuire said. .

Kim explained that a decision during the pandemic to allow residents to pay their property taxes in four installments shows her ability to adapt and thrive in the role under difficult circumstances.

She said 2022 was the first “normal collection year” during her tenure after figuring out how to handle new software launched by her predecessor, which she said had many “development issues”. Allowing four payments was impractical, Kim said, “but it was the right thing to do.”

“What it did then in the third year that I was here was that we were running two fiscal years, so it was hard for our accounting to catch up,” she said. “There were certain things like the tax sale that we had to pay twice in a year.”

Kim said she’s also taken an active role in pushing for legislative changes that help county residents, including one that ensured more than 5,000 mobile home owners in Lake County would have capped late fees. $100 or 50% of their initial tax bill, as applicable. is lower.

She previously said there were instances in Lake County where customers were unable to pay their property taxes due to accrued late penalties, which she called a policy holdover from politicians who, according to she wanted to “keep the poor in poverty”.

McGuire pointed to a mistake made earlier this year when many residents mistakenly had both installments of their property taxes withdrawn from their bank accounts, instead of the first payment as expected, as evidence that a change is needed. locally.

Kim explained in a June Facebook post that the double charge happened due to “human error.”

McGuire, as well as some people who commented on Kim’s post, criticized the error for possibly causing bank accounts to be overdrawn, resulting in overdraft fees, and even the disruption of other scheduled payments.

“My question is, how do you split this two-payment process into four payments, but not test it enough to make sure it’s not going to double?” McGuire said. “I don’t understand how this could have happened.”

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