Public Financial Knowledge Infrastructure: Expired vs. Extinguished Debts

This is a topic I’ve written about before, but not in detail, as part of Project Do Better’s Phase I piece, Public Financial Knowledge Infrastructure.

In most states, expired is merely ‘unenforceable’ except that you have to defend by showing the court that the debt is expired. That is why so many suits (around 90%) win by default, as people rarely show up in court to defend, and so that expired debt then gets a loss by default, followed by a money judgement, often on expired, and thus Time-Barred, or, unenforceable or even

unvalidated debts, , past the SoL.

Unfair and injust, but frequent.

Two states do ‘extinguish’ the debts after some years (13 yrs, if I recall correctly, in the case of MS), but an expired debt is not extinguished, just legally unenforceable. The problem with that is the need to defend on the unenforceability. (Note that this should not be confused with the 7-year limit on credit reporting by CRAs…)

I find it incredibly obviously stacking the deck to require a defendant to appear in court just to say that the debt is expired, and so cannot be enforced! That is something that constituents can write to their state legislators about changing, and so I wrote a sample letter a few years ago, which should still be reasonably useful, I hope.

Some states now allow the fact that a debt is expired to be stated in ‘The Reply’ to the summons, btw, so that the case can be dismissed, due to clogged courts, but even in those jurisdictions, people have to know to do this, and most folks don’t know, which is addressed in Phase I’s Public Financial Knowledge Infrastructure section of Project Do Better:

“The Honorable Lorena Gonzalez Fletcher
California House of Representatives
1350 Front Street
Suite 6022
San Diego, CA 92101
Tel: 619-338-8090
Fax: 619-338-8099

your name
address,
city, state zip
email
your phone

Dear Assemblywoman Gonzalez Fletcher,

I would like to request a bill which would benefit California residents. The state of Maryland has recently passed a law prohibiting lawsuits on any debts which have passed the Statute of Limitation (https://www.dllr.state.md.us/finance/advisories/advisory-debtcol.pdf ). While California requires notification if a debt is expired, many debtors are not able to use that information. And while debt buyers are prohibited from suing on expired debts in California, original creditors are not. Many creditors, like exploitative landlords and lenders, never sell their debts, waiting years to sue, until details of the situation are less clear. Most lawsuits are won by default, even on invalid debts. The key injustice is that proportionately more poor debtors are sued than well-off debtors (due to the fact that the Statute of Limitation must be explicitly raised as a defense by the debtor in CA). Hence, growing numbers of illegitimate judgments against those who do not have either the time or the ability (due to illness, etc) to defend themselves. Debt, credit reporting, and court action can have a direct bearing on citizens’ abilities to access employment and housing. Disallowing suits on all expired debts could help correct this injustice.

Respectfully,
sig “

Shira

*****************

Click here to read, if you like:

B5, Hakan: Muhafiz/The Protector, Sihirli Annem, Lupin, or La Casa de Papel/Money Heist Reviews

Holistic College Algebra & GED/High School Lesson Plans,

           or Long Range Nonfiction, or Historical Fiction Writing

Thoughtful Readers, please consider reading about #ProjectDoBetter.

Shira Destinie A. Jones, MPhil, MAT, BSCS

Shira

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Update: Invisible Children vulnerable to invisible debts: Action Items to help

Update from Project Do Better (Phase I, Financial Self-defense…): 

1.   Identity theft precautions, 
2.  Validation of a debt to ensure that it was actually contracted by the person being pursued by the collector

(many people receive bills for debts they don’t owe, ignore them, and then end up wrongfully sued and even hit with default judgments because they didn’t reply to the court summons, or demand that the collector validate the debt).

Orphans like Çilek deserve protection, especially if they cannot do magic to protect themselves!

(from free book Invisible Children, KARA:)

“In your Child Protection System is there a volunteer program from a local law school that assigns a volunteer attorney to an abused child? I’ve met some well- meaning and bright attorneys who genuinely care for their clients this way. If not, are there adequate public legal representation for abandoned children?”

Kids who grow up ‘invisible,’ especially those without stable and functional families who protect and give them middle class cultural capital, like dinner table discussion of financial laws and mutual funds, are especially vulnerable to predatory lenders and debt collectors.

Until there are enough pro bono lawyers giving free legal and financial clinics, the rest of us can help in these ways:

1.)  ask local community colleges to offer free legal and financial clinics on your state’s statutes of limitations, contract and debt related laws, and consumer protection laws.

2.)  ask your law-makers to prohibit law suits on expired (aka Time Barred) debts.

3.)   ask your law-makers to lower the Statutes of Limitations on verbal and written contracts, which are often how kids unknowingly get into debt and end up in collections.

4.)  Write your own story (or novel) showing a world where kids get the protection they need, in multiple ways…

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together. Their descendants continue their work.

Quotes for a related post came from a recent ProPublica article co-published with The New Yorker.

Let’s #EndPoverty, and #EndHomelessness,  starting by improving these four parts of our good #PublicDomainInfrastructure 4:
1. #libraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write, Ranked Choice Voting and Housing for ALL!!!!, Walk !

#PublicDomainInfrastructure #StopSmoking for CCOVID-19
ShiraDest

originally posted in September, 12020 HE

Shira

*****************

Click here to read, if you like:

B5, Hakan: Muhafiz/The Protector, Sihirli Annem, Lupin, or La Casa de Papel/Money Heist Reviews

Holistic College Algebra & GED/High School Lesson Plans,

           or Long Range Nonfiction, or Historical Fiction Writing

Thoughtful Readers, please consider reading about #ProjectDoBetter.

Shira Destinie A. Jones, MPhil, MAT, BSCS

Shira

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

El Maestro de Esgrima (The Fencing Master), and a sense of Honor vs. Empathy, as part of Adulting Education?

     So, yes, old habits can be applied to modern purposes, thoughtful Readers!  Every tool is useful for the task, as every adult must learn!  With both honor, and empathy!

🙂

 

I finished what I found to be a very thought-provoking reading, El Maestro de Esgrima, in my on-going, perhaps cooling now, love affair with the books of author Arturo Pérez-Reverte.  I think I most loved two points in the book: about living and dying, and about childhood games. I was impressed that he actually works a kids game into a major fight scene of the book!  His insistence on living his life by a set of rules that were nearly out of fashion already, even then, carries this book through some boring parts.  All of the boring parts are needed for the plot to make sense in the end, but the theme is the best part: why is it important for one to live by a code that makes life more difficult?  Why take responsibility for upholding the truth, and for living by that truth, in a world where no one else will do so?  Or, in the words of part 6 of an earlier post: “6. accepting responsibility to think independently, taking responsibility for one’s actions and for preventing exploitation.”   Here, honor, and defending the honor of others, involves taking responsibility for the mutual safety of all, even at the cost of self-sacrifice. But does that also mean that individuals have the responsibility to take care of themselves, and how?  And, more importantly, is that sense of honor similar to, related to, or the same as having empathy (both personal/individual empathy, and social empathy)??

  Then, there is the other question: about defending oneself legally, and financial self-defense.  Knowing one’s rights, such as the right not to be sued for an expired debt, also requires taking the responsibility to understand how to defend that right, and why such defense is needed, according to the local laws of the state or District in which one lives.  To me, such knowledge and application, for oneself and for or on behalf of others, is also part of upholding a sense of honor.

My notes from the book on living, and on dying:

–

“Me encanta ésa idea de cómo vivir, I tal vez mejor dicho, cómo morir:
“No de arrepentía de haber vivido: había amado y había matado…”
Cómo Alonso en El Ministerio del Tiempo:
“No tengo quejas: he amado… he luchado por mi patria…”

I love this idea:
No regrets, after having loved, and fought with honor…”

So, it turns out that a modern sense of honor may have more to do with fighting via our modern civil and legal processes, for the honor of our Republic. What do you think?

More on my continuing striving with Castillian next week, friends:

   Nos vemos!  

Actions in support of literacy and hope that you can take right now:

1.) Share two different sources to translate the word “honor” into Spanish. 🙂

2.)   Share your thoughts on how you like each of the sources you found, 

3.) Write a blog post or tweet that uses a Spanish word, tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. Once published, donate one or more copies to your local public library, as I intend to do.

Dear Readers, any additional ideas toward learning, especially multiple #LanguageLearning as part of on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport

 

***************** 

Click here to read, if you like:

Babylon 5, Hakan: Muhafiz/The Protector, Lupin, or La Casa de Papel (aka Money Heist) Reviews

Holistic High School Lessons,

           or Long Term Nonfiction & Historical Fiction Writing

 

 

Shira Destinie Jones, MPhil

 licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Stop Black Land Loss via Language Learning, and ProBono Legal Education

Some languages help us communicate, while other languages help us make things run smoothly. Computer languages and legal language are examples of the latter. To understand computer languages, one studies computer science, and to understand legal language, one studies the law and policies active in the state of residence. But not all of us have the opportunity to study the crucial legal language that governs much of our existence, and the consequences of that unequal knowledge can be devastating.

Lynching once occurred physically, but now happens financially, through the court system all across the South, and make no mistake, it is just as murderous, and just as racist:

“…42% of the cases involved black families, despite the fact that only 6% of Carteret’s population is black. Heirs not only regularly lose their land; they are also required to pay the legal fees of those who bring the partition cases. In 2008, Janice Dyer, a research associate at Auburn University, published a study of these actions in Macon County, Alabama. She told me that the lack of secure ownership locks black families out of the wealth in their property. ”

That is, land that is owned by their families.

Historically separate and highly unequal educational systems have also contributed to this system:

“A former state politician named Thomas Limehouse, who owned a luxury hotel nearby, bought Reed’s property at a tax sale for $2,000, about an eighth of its value. Reed had a year to redeem her property, but, when she tried to pay her debt, officials told her that she couldn’t get the land back, because she wasn’t officially listed as her grandmother’s heir; she’d have to go through probate court. Here she faced another obstacle: heirs in South Carolina have 10 years to probate an estate after the death of the owner, and” you can only do that if you know how to probate an estate, which you can only do if you know what it means to probate an estate.

Like my 2xs Great Grandfather Wayne Anthony Manzilla, many Black men were killed “between 1890 and 1920 because whites wanted their land.”

The problem with land law is that it is often “co-opted by big business. One lawyer said that people saw it as a scheme ‘whereby rich men could seize the lands of the poor.’ Even lawyer Nelson Taylor acknowledged that it was abused… his own grandfather had lost a 50-acre plot to (the) Torrens (law). ‘First time he knew anything about it was when somebody told him that he didn’t own it anymore,’ Taylor said. ‘That was happening more often than it ever should have.’ ”

And it should never happen.

“The leading cause of Black involuntary land loss,’ heirs’ property is estimated to make up more than a third of Southern black-owned land — 3.5 million acres, worth more than $28 billion. These landowners are vulnerable to laws and loopholes that allow speculators and developers to acquire their property. Black families watch as their land is auctioned on courthouse steps or forced into a sale against their will.”

So, what can we do about this? Well, several things. To help stop this injustice, at least 4 Action Items spring to mind:
1.)    Please consider giving your time, your cash, or your attention by sharing via your social and personal or business networks to The Center for Heirs’ Property Preservation, in South Carolina, and:
2.)   Please consider reading and sharing publications by ProPublica, a non-profit that spreads the word on these matters together with potential solutions, and

then:
3.)   Please read, review, and share Dr. Alexander’s book The New Jim Crow, because “42% of the cases involved black families, despite the fact that only 6% of Carteret’s population is black.” so, it really is about race.

4.)   OR:  Simply search for the term “Statute of Limitations” on Google, or your favorite search engine, to see how states like SC prevent heirs like Ms. Reed from probating their property.  If you have the energy, please share your findings with someone, over FaceBook, Twitter, or the phone.

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together.  Their descendants continue their work.

Quotes for this post came from a recent ProPublica article co-published with The New Yorker.

Originally posted in December, 12020 HE

*****************

Click here to read, if you like:

Science Fiction/Fantasy Shows,  Lupin, or Money Heist

Holistic High School Lessons,

           or Long Range Nonfiction, or Historical Fiction

Thoughtful Readers, if you are on Twitter, please consider following   #Project Do Better  on Twitter.

Shira

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Day 49/67: Five Month GED, History, Interest, and financial language learning

      How can you determine what the cost of a student loan, or a mortgage, might be, in 20 years, and what might interest rates have to do with that?   What might the difference be between simple interest, compound interest, the prime rate, and other types of interest rates?  

And why should we all care?  All of these questions are part of learning the language of finance, which every Adult needs to understand, even if one does not wish to participate in all parts of the system.

You might get a start, or a refresher, on the mathematics for that in the lesson below…

 Middle of week 13/18

Day 49 Lesson Plan

Grammar: parallel structure in sentences

Math: Simple Interest

Today’s history reading…

Day 49 Exit Ticket

(Day 48 … Day 50)

Bernanke drew some more parallels between then and now:

” I thought that I would speak to you about the parallels–and differences–between that crisis and the more recent one, particularly regarding the responses of policymakers. I draw four relevant lessons from the financial collapse of the 1930s; I will first list these lessons, then briefly elaborate. First, economic prosperity depends on financial stability; second, policymakers must respond forcefully, creatively, and decisively to severe financial crises; third, crises that are international in scope require an international response; and fourth, unfortunately, history is never a perfect guide.”

Action Prompts:

1.) Search for two different sources explaining who Bernanke is, and what The Prime Rate is,

2.) Who sets The Prime Rate in the US, and what does it affect?

3.) Write a book, story, blog post or tweet that uses your findings, and then, please tell us about it!  If you write a book, once it is published please consider donating a copy to your local public library.  This lesson plan is part of my personal contribution to Project Do Better.

***************** 

Click here to read, if you like:

Narrative and Prose Nonfiction,     

or Holistic High School Lessons,

or Historical Fiction Serial Stories

 

Shira

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Day 44/67: Five Month GED, Exponential Curves, and, Interesting Education

 

                         Aside from understanding exponential growth in populations of rabbits, and germs,

 

Adulting also often requires  understanding how debt can grow just as rapidly.  Knowing how to defend yourself legally, for instance on a medical debt that may have expired, when you are summoned to court on it anyway: if you don’t go let them know (that the debt is time-barred), you may have ‘a hard row to hoe.’ 

   Especially since compound interest also gets very interesting as it  grows exponentially…

 Middle of week 12/18

Day 44, Week 12

Grammar: Quotes and more

Math: Using Exponents

Day 44 Exit Ticket

(Day 43 … Day 45)

Action

Prompts:

1.) Why might it be important to understand exponential rates of change?  Why do you think it may (or may not) help citizens of a Republic, especially those who are more vulnerable?

2.) Write a book, story, blog post or tweet that uses those thoughts, and then, please tell us about it! If you write a book, once it is published please consider donating a copy to your local public library.

3.)  Feel free to answer the exit ticket questions in the comments, or pose any other questions you may have about the lesson, if you wish.

 **********************

 

 Click here to read, if you like:

  Narrative or Historical Nonfiction,

Holistic High School Lessons,

or Historical Fiction Serial Stories

 

Thoughtful Readers, if you are on Twitter, please consider following   #Project Do Better  on Twitter.

Shira

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Day 36/67, Five Month GED, circles, and triangles

   Adulting is also about understanding relationships between seemingly unrelated things, and  how to find up-to-date information and help in finding that information and how to use it, like legal information.

   Thus, relationships between shapes, and relationships between ideas are similar, right? 

Photo by Isabella Mendes on Pexels.com

 

 

 

   

Start of week 10/18

Day 36 Lesson Plan

Grammar: Essay Writing, Pro or Con Paragraphs

Math: area of Rectangles & Triangles together

Day 36 Exit Ticket

(Day 35 … Day 37)

Action Items:

1.) Where can you get Pro-Bono Legal Aide, in your area?  Is there a local Project Do Better volunteer who can help you with this, if you need it?

2.) Write a book, story, blog post or tweet that uses those thoughts, and then, please tell us about it! If you write a book, once it is published please consider donating a copy to your local public library.

3.)  Feel free to answer the exit ticket questions in the comments, or pose any other questions you may have about the lesson, if you wish.

Dear Thoughtful Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport

-we can learn from the past Stayed on Freedom’s Call ,

                by Teaching and Learning (Lesson Plan list) in the present, to

                                               help build a kinder future, and Do Better  for all of us

( Golden 5 month GED lesson 22 of 67 plans),

   and  Babylon 5 review posts, from a Minbari Ranger’s perspective,

               and can historical fiction stories inspires learning and courage, Ann and Willow??

l’Shalom, Peace

Shira Destinie A. Jones, MPhil, MAT, BSCS

Shira

the year, 2022 CE = year 12022 HE

Stayed on Freedom’s Call
(free: https://archive.org/details/StayedOnF…)
includes two ‘imagination-rich’ walking tours, with songs, of Washington, DC. New interviews and research are woven into stories of old struggles shared by both the Jewish and African-American communities in the capital city.

Shared histories are explored from a new perspective of cultural parallels and parallel institution-building which brought the two communities together culturally and historically.

  We’d love to hear from you here,  if you read it! 

🙂

 

 

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

 

Day 35/67, 5 Month GED, FDR’s New Deal , and Pro-Bono Legal Aide

 Adulting is also about understanding how to find up-to-date information and help in finding that information and how to use it, like legal information.

End of week 9/18

Day 35 Lesson Plan, Week 9

Grammar: plural nouns ending in ‘f’

Math: Area of a circle

Day 35 Exit Tix

(Day 34  … Day 36)

Action Prompts:

1.) What do you think is the level of importance of legal aide?

2.) Where can you get Pro-Bono Legal Aide, in your area?

3.) Write a book, story, blog post or tweet that uses those thoughts, and then, please tell us about it! If you write a book, once it is published please consider donating a copy to your local public library.

4.)  Feel free to answer the exit ticket questions in the comments, or pose any other questions you may have about the lesson, if you wish.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport

-we can learn from the past via Stayed on Freedom’s Call,

         by Teaching and Learning (Lesson Plan list) in the present, to

                      We can  Do Better: a Vision of a Better World to create a kinder future

 

( 5 month GED lesson 21 of 67 plans),

   and  Babylon 5 review posts, from a Minbari Ranger’s perspective: story inspires learning, and historical fiction can also inspire courage…

Toward Peace,

Shira Destinie A. Jones, MPhil, MAT, BSCS

the year, 2021 CE = year 12021 HE

Stayed on Freedom’s Call
(free: https://archive.org/details/StayedOnF…)
includes two ‘imagination-rich’ walking tours, with songs, of Washington, DC. New interviews and research are woven into stories of old struggles shared by both the Jewish and African-American communities in the capital city.

Shared histories are explored from a new perspective of cultural parallels and parallel institution-building which brought the two communities together culturally and historically.

Please let us know if you’ve read it!  

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

Stop modern lynchings, learn languages, and get ProBono Legal education for ALL

Some languages help us communicate, while other languages help us make things run smoothly. Computer languages and legal language are examples of the latter. To understand computer languages, one studies computer science, and to understand legal language, one studies the law and policies active in the state of residence. But not all of us have the opportunity to study the crucial legal language that governs much of our existence:   the consequences of that lack    are devastating.

Lynching once occurred physically, but now happens financially, through the court system all across the South, and make no mistake, it is just as murderous, and just as racist:

“…42% of the cases involved black families, despite the fact that only 6% of Carteret’s population is black. Heirs not only regularly lose their land; they are also required to pay the legal fees of those who bring the partition cases. In 2008, Janice Dyer, a research associate at Auburn University, published a study of these actions in Macon County, Alabama. She told me that the lack of secure ownership locks black families out of the wealth in their property. ”

That is, land that is owned by their families.

Historically separate and highly unequal educational systems have also contributed to this system:

“A former state politician named Thomas Limehouse, who owned a luxury hotel nearby, bought Reed’s property at a tax sale for $2,000, about an eighth of its value. Reed had a year to redeem her property, but, when she tried to pay her debt, officials told her that she couldn’t get the land back, because she wasn’t officially listed as her grandmother’s heir; she’d have to go through probate court. Here she faced another obstacle: heirs in South Carolina have 10 years to probate an estate after the death of the owner, and” you can only do that if you know how to probate an estate, which you can only do if you know what it means to probate an estate.

Like my 2xs Great Grandfather Wayne Anthony Manzilla, many Black men were killed “between 1890 and 1920 because whites wanted their land.”

The problem with land law is that it is often “co-opted by big business. One lawyer said that people saw it as a scheme ‘whereby rich men could seize the lands of the poor.’ Even lawyer Nelson Taylor acknowledged that it was abused… his own grandfather had lost a 50-acre plot to (the) Torrens (law). ‘First time he knew anything about it was when somebody told him that he didn’t own it anymore,’ Taylor said. ‘That was happening more often than it ever should have.’ ”

And it should never happen.

“The leading cause of Black involuntary land loss,’ heirs’ property is estimated to make up more than a third of Southern black-owned land — 3.5 million acres, worth more than $28 billion. These landowners are vulnerable to laws and loopholes that allow speculators and developers to acquire their property. Black families watch as their land is auctioned on courthouse steps or forced into a sale against their will.”

So, what can we do about this? Well, several things. To help stop this injustice, at least 4

Action Items

spring to mind:

1.)    Please consider giving your time, your cash, or your attention by sharing via your social and personal or business networks to The Center for Heirs’ Property Preservation, in South Carolina, and:
2.)   Please consider reading and sharing publications by ProPublica, a non-profit that spreads the word on these matters together with potential solutions, and

then:
3.)   Please read, review, and share Dr. Alexander’s book The New Jim Crow, because “42% of the cases involved black families, despite the fact that only 6% of Carteret’s population is black.” so, it really is about race.

4.)   OR:  Simply search for the term “Statute of Limitations” on Google, or your favorite search engine, to see how states like SC prevent heirs like Ms. Reed from probating their property.  If you have the energy, please share your findings with someone, over FaceBook, Twitter, or the phone.

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together. Their descendants continue their work.

Quotes for this post came from a recent ProPublica article co-published with The New Yorker.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind?

Shira Destinie A. Jones, MPhil

our year 2021 CE =  12021 HE

Shira Destinie Jones’ work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Day 49/67 of GED in Five Months, interest, and financial language learning

 How can you determine what the cost of a student loan, or a mortgage, might be, in 20 years, and what might interest rates have to do with that?   What might the difference be between simple interest, compound interest, the prime rate, and other types of interest rates?  And why should we all care?  All of these questions are part of learning the language of finance, which every Adult needs to understand, even if one does not wish to participate in all parts of the system.

You might get a start, or a refresher, on the mathematics for that in the lesson below…

 Middle of week 13/18

Day 49 Lesson Plan

Grammar: parallel structure in sentences

Math: Simple Interest

Today’s history reading…

Day 49 Exit Ticket

(Day 48 … Day 50)

Bernanke drew some more parallels between then and now:

” I thought that I would speak to you about the parallels–and differences–between that crisis and the more recent one, particularly regarding the responses of policymakers. I draw four relevant lessons from the financial collapse of the 1930s; I will first list these lessons, then briefly elaborate. First, economic prosperity depends on financial stability; second, policymakers must respond forcefully, creatively, and decisively to severe financial crises; third, crises that are international in scope require an international response; and fourth, unfortunately, history is never a perfect guide.”

Action Items:

1.) Search for two different sources explaining who Bernanke is, and what The Prime Rate is,

2.) Who sets The Prime Rate in the US, and what does it affect?

3.) Write a book, story, blog post or tweet that uses your findings, and then, please tell us about it! If you write a book, once it is published please consider donating a copy to your local public library.

4.)  Feel free to answer the exit ticket questions in the comments, or pose any other questions you may have about the lesson, if you wish.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  &  for heavens sake: please #StopSmoking for CCOVID-19 (or even for good!)!:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write -one can add Stayed on Freedom’s Call via this GoodReads button:  ,

Vote, Teach and Learn (PDF Lesson Plan Book)! 

and

my Babylon 5 review posts, if you like Science Fiction,

and

a proposed Vision on Wondering Wednesdays: for a kinder world…

   

Shira Destinie A. Jones, MPhil

our year 2021 CE =  12021 HE

(Day 1 … Day 5)

Stayed on Freedom’s Call
(free copies at: https://archive.org/details/StayedOnF…)
includes two ‘imagination-rich’ walking tours, with songs, of Washington, DC. New interviews and research are woven into stories of old struggles shared by both the Jewish and African-American communities in the capital city.

Shared histories are explored from a new perspective of cultural parallels and parallel institution-building which brought the two communities together culturally and historically.

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Shira Destinie Jones by ShiraDest is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.