If the Postal Service offered basic banking services - nothing fancy, just basic bill paying, check cashing and small dollar loans - then it could provide affordable financial services for underserved families, and, at the same time, shore up its own financial footing.
"Payday loans are advertised as loans that must be repaid with the borrower’s next paycheck," the OIG paper says. "However, most borrowers cannot afford to pay the loan back in full, so they renew their loan repeatedly and are in debt for an average of 5 months of the year, all while paying fees that typically equate to a 391 percent annual interest rate."
"Rather than giving borrowers the credit they need to climb out of a hole," the report notes, "these types of loans often dig borrowers deeper into debt." By contrast, postal banking would cost customers much less, increase their financial stability, and help them save.
"With affordable financial offerings from the Postal Service, the underserved could collectively save billions of dollars in exorbitant fees and interest," the OIG says. "This could make a big difference to struggling families - on average, people who filed for bankruptcy in 2012 were just $26 per month short of meeting their expenses."With more than 35,000 post offices, stations and branches located in every city and town in America, the Postal Service has the infrastructure to provide the desperately-needed services. 59% of Post Offices are located in “bank deserts” - ZIP codes where there are zero or only one bank(s).
don’t forget these
Nebraska dodged all the bullets.
Duh. We’re basically perfect right wing Bush loving gun toting religious extremist over herre.
"I should much rather see reasonable agreement with the Arabs on the basis of living together in peace than the creation of a Jewish state. My awareness of the essential nature of Judaism resists the idea of a Jewish state with borders, an army, and a measure of temporal power, no matter how modest. I am afraid of the inner damage Judaism will sustain—especially from the development of a narrow nationalism within our own ranks, against which we have already had to fight strongly, even without a Jewish state." -Albert Einstein
That was the most wonderful thing I’ve ever seen
Elements of Sex Trafficking
Act: Recruitment, transportation, transfer, harbouring or receipt of persons;
Means: Threat or use of force, coercion, abduction, fraud, deception, abuse of power or vulnerability, or giving payments or benefits to a person in control of the victim;
Purpose: Prostitution of others, sexual exploitation, forced labor or services, or slavery.
- From the 2000 UN Protocol to Prevent, Suppress and Punish Trafficking in Persons, Especially Women and Children, ratified by 154 countries. (x)
[Highlighted elements of sex trafficking in the porn industry connect with the examples Lubben gives in this specific gifset, other elements do occur in the porn industry as well].
"The federal Trafficking Victims Protection Act defines the crime of human trafficking as:
A. The recruitment, harboring, transportation, provision, or obtaining of a person for the purpose of a commercial sex act where such an act is induced by force, fraud, or coercion, or in which the person induced to perform such act has not attained 18 years of age, or
B. The recruitment, harboring, transportation, provision, or obtaining of a person for labor or services, through the use of force, fraud, or coercion for the purpose of subjection to involuntary servitude, peonage, debt bondage, or slavery.” - (x)
… [P]ersons are trafficked into the international sex trade, often by force, fraud, or coercion. The sex industry has rapidly expanded over the past several decades. It involves sexual exploitation of persons, predominantly women and girls, involving activities related to prostitution, pornography, sex tourism, and other commercial sexual services. The low status of women in many parts of the world has contributed to a burgeoning of the trafficking industry. -
The Victims of Trafficking and Violence Prevention Act (TVPA). TVPA combats trafficking in persons, especially into the sex trade, slavery, and involuntary servitude. It has been reauthorized three times since its initial passage: (x)
THAT IS RAPE
We need to be talking about this and we need to be making sex work safe. No one should be made to feel like this treatment is okay.
In my opinion the only person you should get healthy for is yourself :)