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Chambergate Software / Blog (Page 3946)

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Payday Loans, Illegal on the Street, Thrive in New York’s Cyberspace

Author By John Sandman

Robert Bradley, of Jamaica, Queens, a 64-year-old hospital worker, had been low on cash and neglected to pay the first ticket, then the second – and soon he was worried that his car would get towed. “I took out a payday loan thinking that would solve the problem,” he says. He started with a single loan for $300 from PDL Loans, also known as Piggy Bank Cash Loans. The company’s address is in Nevis, West Indies, but Bradley easily found it on the Internet. Then, as now, the site promised rapid approval – and money in his checking account in a matter of hours.

That was in . As is often the case with payday borrowers, Bradley’s finances were already fragile. He was focused on the cash he needed then, not the consequences he’d face later. He paid off the first loan on July 9 – $390 for a $300 loan – and took out another $350 on e lender. This time PDL seemed to withdraw payments from his account at random, and never enough to pay off the loan. As costs for that loan ballooned, he needed even more money. He took out a third loan in August, which led to two more in September. By December he had taken out a total of 11 loans from 10 different online lenders.

Bradley thought each loan would be straightforward. “It was supposed to be a one-shot deal,” he says. “I got the money in one shot, I’m gonna pay it off in one shot. It wasn’t supposed to go on month after month.” Bradley, who received his paycheck via direct deposit, expected each lender to electronically deduct the full balance of his loan from his checking account two weeks after the loan was made. But by his account, based on a review of his bank records, each lender withdrew less than the full amount of the loan, making successive deductions that were never enough to bring his balances to zero. To Bradley, the withdrawals had no rhyme or reason, and they had the effect of pushing him further into the hole as fees, penalties, and interest piled up.

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Summary of references to wine in Scripture

Analysis of Scriptural Sources to Liquor

a lookup associated with Bible (using KJV and also the brand-new Global Version) reveals 228 sources to drink and 19 sources to strong beverage. This amazing desk was an effort to organize these records into classes with the purpose of regularity. A complete directory of every passages is gathered (105KB).

The 247 records to drink and powerful beverage during the Bible could be separated into 3 broad groups: positive recommendations, negative recommendations, and neutral references. We’re going to 1st sumine them at length.

On the adverse side, you’ll find 17 cautions against abusing alcohol, 19 types of anyone abusing alcohol, 3 references to selecting leaders, and another verse advocating abstinence if consuming may cause a buddy to stumble. Total adverse records: 40, or 16per cent.

Regarding the positive side, you can find 59 recommendations on generally accepted training of consuming drink (and strong beverage) with food, 27 records on variety of wines as one example of God’s true blessing, 20 sources to your loss in drink and stronger beverage to give an example of God’s curse, 25 records towards the using drink in choices and sacrifices, 9 records to wines used as a present, and 5 metaphorical references to wines as a grounds for a good assessment. Complete good references: 145, or 59%.

In what might be regarded as basic recommendations, you will find 33 symbolic sources (“your wine of their wrath,” etc.), 21 records to vows of abstinence, 4 sources to people falsely accused of being inebriated, and 4 references which don’t seem to suit a classification. Full natural recommendations: 62, or 25%.

Positive references to drink in Scripture

Interestingly, probably the most many version of sources to drink inside Bible (58 sources, 24percent) were informal recommendations to drink as a built-in, generally approved part of the customs.

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