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Daily Archives: October 5, 2020

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Pay Day Loans In Kansas Come With 391% Interest And Experts State It Is Time To Change

Maria Galvan utilized to produce about $25,000 per year. She didn’t be eligible for welfare, but she nevertheless had difficulty fulfilling her needs that are basic.

“i might you need to be working simply to be bad and broke,” she said. “It is therefore difficult.”

Whenever things got bad, the solitary mom and Topeka resident took down a quick payday loan. That suggested borrowing handful of cash at a higher rate of interest, become repaid the moment she got her next check.

A years that are few, Galvan discovered by by herself strapped for money once again. She was at financial obligation, and garnishments were eating up a chunk that is big of paychecks. She remembered how effortless it had been to have that earlier in the day loan: walking in to the shop, being greeted by having a friendly laugh, getting cash without any judgment as to what she might make use of it for.

Therefore she went back once again to payday advances. Over and over repeatedly. It started to feel a cycle she’d never ever escape.

“All you’re doing is spending on interest,” Galvan said. “It’s a feeling that is really sick have, particularly when you’re already strapped for money to start with.”

Like a large number of other Kansans, Galvan relied on payday advances to pay for fundamental requirements, pay back financial obligation and address unanticipated costs. In 2018, there have been 685,000 of the loans, well worth $267 million, based on the workplace of their state Bank Commissioner.

But whilst the pay day loan industry states it gives much-needed credit to those who have difficulty setting it up somewhere else, others disagree.

A team of nonprofits in Kansas contends the loans victim on individuals who can minimum manage triple-digit interest levels. Continue reading

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  • We Begin at the End
    An Advent reading for November 28. Read Titus 2:11–14 and Revelation 1:7–8. We begin at the end. Not at the manger. Not with the Magi offering gifts of worship or the shepherds rejoicing in wonder. Not with Mary’s visit to Elizabeth or Joseph’s angelic dream. We begin not with Christ’s First Advent, but with his […]
    Kelli B. Trujillo
  • 解决名人教会问题,在于让教会仅仅是教会
    我们需要重新发现无需我们帮助的敬拜。 克里斯·洛克(Chris Rock)曾在一次采访中分享了他是如何开发新的单口相声材料的。像许多成熟的喜剧演员一样,他在小型喜剧俱乐部露面,带着可以讲5或10分钟的笑话上台,一次开发一两个,并将有效的东西拼接到他的下一次巡演或特别节目中。 洛克知道,观众对他就是克里斯·洛克这件事的反应,与他们对实际笑话的反应一样大。因此,当他进行这些非正式演出时,他尽可能不带任何个性地讲述笑话。他想相信它们“可以在幕后做到”,他说。他知道,如果 在这种场合下 能让人发笑,当他在舞台上全力表演这些笑话时,它们就会让人笑得前仰后合。 在制作CT的播客《马尔斯山教会的兴衰》(The Rise and Fall of Mars Hill)时,我经常想到这一点。这是一个关于西雅图那间大型教会的故事,该教会在21世纪初崭露头角,在15个地方吸引了15000人,但是在创始人马克·德雷斯科(Mark Driscoll)于2014年辞职后关了门。在许多方面,马尔斯山教会是一个异类。在许多重要方面,它不是。 德雷斯科是一个独特的有天赋的沟通者、煽动者,但是名人牧师的现象现在在超大型教会中很普遍。马尔斯山教会在使用音乐和视频制作、技术和社交媒体方面进行了创新,但它所开创的东西已被广泛采用,并在很大程度上决定了今天那些有影响力的教会。 建立马尔斯山教会的技术和名人工具在继续传播,它们在小聚会中的诱惑力不亚于在大聚会中的诱惑力。我们已经错过了一个教训,即这些工具搭建的是一个脆弱的架构:在德雷斯科退出后,教会不可能接着存活多久。 这些工具的诱惑力是可以理解的。他们给事工加了个拉链,就像克里斯·洛克用他的(非常不适合教会的)舞台形象所做的那样。虽然技术不一定是邪恶的——印刷术为数十亿普通人提供了《圣经》、《公祷书》和赞美诗——但它也不是中立的。它可以利用我们的身体和想象力,破坏福音的信息,即让自己向死,却谦卑地把别人的需要放在我们自己的前面。 因此,我们采用图像放大的视频投射出有传奇色彩的牧师和敬拜领袖,却从未问过这种主要用于摇滚音乐会和政治集会的技术可能传达的是什么其他信息。我们进口振聋发聩的低音炮和烟雾机。领导人在台上用智能手机和平板电脑阅读。敬拜事工分发风格指南,说明乐队成员在舞台上应该穿什么衣服(这不是我编的),我们在没有窗户、空调调解的环境中聚会,就像在电影院和赌场里一样感到时间停滞。 在这种背景下,如果我们遇到的大多数基督教领袖都是年轻的、有魅力的、牙齿完美的男女,那么当我们遇到一个说话温和、谦恭、不喜欢Instagram的人时,会发生什么?如果他是一个既不具备名人气质,又没有惊人的皈依故事的人,会怎么样?或者是像耶稣那样带着属灵权柄,却不寻求权力或者按人们的要求展示能力,以至于让第一世纪的世人感到困惑,我们又会怎样? 我担心我们会错过它。我们甚至可能直截了当地拒绝和谴责它。也许我们已经这样做了。 德雷斯科经常说,他不喜欢听大多数牧师讲道,因为他们很无聊、没有吸引力。相反,他向包括洛克在内的单口相声演员学习。然而事实证明,他错过了洛克艺术方面更深层次的伦理:材料的实质比表现形式更重要。它必须在没有他的情况下一样也起作用。 奇普·斯坦姆(Chip Stam)在2011年去世前是我的导师,他告诉我:“一个成熟的信徒是很容易被教诲的。”他的意思是,如果基督徒发现自己来到一个地方,那里正在传讲神的话语、正在敬拜耶稣,而且圣灵就在祂的子民心中,那么他们离开时,心中留下的是鼓舞欢欣的感觉——无论这种经历是否肤浅、喧闹或安静,或者是陌生的。 我觉得,这是邀我们回到所谓“单纯的教会”。这种姿态承认教会聚会中最有意义的事情是可以经受住教会的崩溃或文明的崩溃——实际上它们已经发生了。 在十年来经历了基督教领袖们的道德崩溃之后,如果教会重新致力于类似这种单纯教会的愿景,可能会是什么样子?如果我们不是将自己置于人工制造的高价周日聚会体验,而是围绕着道与圣灵、忏悔与确据、饼与杯来聚会,将会怎样? ...Continue reading...
    Mike Cosper