Tag Archives: ProBonoLegalConsumerEducation

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
 

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:

ShiraDest

January, 2021 CE = January 12021 HE

(Day 48Day 50)

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

Day 44/67 of GED in Five Months, exponential curves, and, legal education

 Aside from understanding exponential growth in populations of rabbits, and germs, Adulting often requires 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 grows exponentially…

 Middle of week 12/18
Day 44, Week 12
Grammar: Quotes and more
Math: Using Exponents
 
Day 44 Exit Ticket
 

Action Items:

1.) Why might it be important to understand the legal system in your state?

2.) Please explain how it may (or may not) help citizens of a Republic,

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  &  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:

ShiraDest

January, 2021 CE = January 12021 HE

(Day 43Day 45)

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

Day 36/67 of GED in Five Months, 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.

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
 

Action Items:

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
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

Day 35/67 of GED in Five Months, 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
 

Action Items:

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
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

ShiraDest

January, 2021 CE = January 12021 HE

(Day 27Day 28Day 29Day 30Day 31Day 32Day 33Day 34  then Day 36)

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

Sacred Study Saturdays, Unjust Laws, and Adulting education

The US Constitution, for US citizens, is a sacred document that all Adulting Education must emphasize to form a more perfect and inclusive Union for all of us.

Many laws in our history have been resisted as unjust, from the Enclosure of the Commons, to the Cherokee Removal which was litigated successfully by the Cherokee nation, to the Fugitive Slave Act of 1850, to the recent Muslim ban.

In the 17th century, from whence this popular folk song comes, litigation was not an option for most people, so they resisted in rhyme:

They hang the man and flog the woman
Who steals the goose from off the common
Yet let the greater villain loose
That steals the common from the goose

And then as now, community cooperation on a very wide scale was key to winning the freedoms promised in our foundational documents like the Magna Carta, the Constitution, and the Universal Declaration of Human Rights.  So we continue to walk, rhyme, and support court and non-violent community-based actions to cooperate in making this a safer and kinder world for all of us, and to non-cooperate with injustice.

Read, Write, Dream, Walk !
ShiraDest

October 22nd, 12017 HE

So, it turns out that ongoing study of laws at all levels is important for every Adult to engage in, for herself and for others.

Action Items:

1.) Search for two different sources related to the history and interpretation of the Constitution.

2.) Share them with us in the comments, here, please.

3.) Share your thoughts on it,

4.) Write a book, blog post or tweet that uses those thoughts, tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. If you write a book, once published, please consider donating to your local public library.

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
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

     ! שָׁלוֹם

ShiraDest

scheduled in December, 2020 CE = December 12020 HE

(The previous lesson 20/67 published since this post, and the most recent lesson 21/67…)

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

Stop unfair land loss by learning languages, and getting ProBono Legal education for land owners

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.

Let’s #EndPoverty , #EndHomelessness, & #EndMoneyBail 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

December, 12020 HE

Mindful Mondays, debtor’s prisons, and Adulting for all

This is why we need free on-going legal & financial pro-bono education (aka Adulting Education), and fully inclusive for all of us:

-(Thank you, Maryland Consumer Rights Coalition…)

“…t​hose who can afford to pay a bail or bond do not go to jail, while those who can’t afford to pay remain in jail.​​The practice creates a vicious cycle of poverty wherein the individual cannot work because they are jailed. They may lose their job, which, of course, makes it far more difficult to repay a debt. Jailing someone for a debt serves no constructive purpose: the individual is not violent, nor are they a danger to the community.”

I’m still working up the full post on this issue based on this article, but I think a teaser is not terrible, here.

Action Items:

1.) Search for the laws on Body Attachments in your state.

2.) Share them with us in the comments, here, please.

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
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

ShiraDest

December, 2020 CE = December 12020 HE

(The previous lesson 2/67 published since this post, and the most recent lesson 3/67…)

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

Spanish Sundays, Las Monedas Sociales y las Cooperativas/Community Currencies and Cooperatives, and Adulting via financial self-education

English here

“¿Ahora somos soberanos o rendimos pleitesía?

Sí, al Banco Central Europeo.”

Este era un comienzo para mi nueva forma de escribir, lo que iba a seguir mostrando como la Politiqua Publica y los Artes van juntos para el bien de todos, sobre todo cuando apoyado por las Monedas Sociales para empezar cooperativas de trabajadores (como han hecho en Ithaca, en el estado de Nueva York).  Pero estoy pensando en la razones de mi apoyo por las monedas sociales, despues de diez años trabajando en el tema.

En lo que toca a la transparencia, la responsibilidad y la participaciôn en la toma de decisiones sobre la emisiôn del dinero, las monedas sociales ganan el concurso.  Pero, también se puede emitir el dinero de manera mas democratica, y eso pondra fin a esos problemas.  Sobre todo si emitîamos màs dinero en lugares donde se hace falta, las ciudades, por ejemplo.  Una politica de dar el dinero sin costo alguno a las pequeñas emprezas darà recursos para las communidades locales sin necesidad de emitir una moneda local.  Pero, acaso una moneda local la hace mas facil tener una Renta Basica Universal?  Por que me parece, dado lo que ya hemos dicho en respeto a las cooperativas, que el dinero nacional es igual o mejor que la moneda social. Sin embargo, viendo de nuevo mis ensayos de los discursos que he dado, me acuerdo del bien que hace Las Monedas Sociales para la gente en agregando al dinero national, asi que por favor, siguen emitiendo las Monedas Sociales!!

“Are we rulers or do we pay tribute now?

Yes, to the European Central Bank”

This was a template for my new format of posting, which was to have continued to show how Public Policy and the Arts work together for our common good, particularly when encouraged via complimentary local currencies used to incubate local workers cooperatives (as in Ithaca, NY).  But I am considering my reasons for having supported Local Currencies for the past ten years.

For transparency, accountability and participation in the decisions around issuing money, local currencies win, hands-down.  But, money can be issued more democratically, and that would end those particular problems.  Especially if we issued more money into areas where it was most needed, like inner cities.  A policy of grants for small businesses would provide resources for local communities without needing to issue a local currency.  But would a local currency make it easier to have a Universal Basic Income?  Apparently, with respect to cooperatives, national currencies are as good as or better than Local Currencies, given the above criteria are met. But, looking back at both of my talk hand-outs below, I remember the good for local people that local currencies can do as a complement to national money, and so please, continue issuing those Local Complementary Currencies!!

 

Action Items:

1.) Search for a local currency near you/ Busca una moneda social cerca de ti.

2.) Share them with us in the comments, here, please/Compartelos aquî con nosotros, porfis.

 

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
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

  Nos vemos! 

ShiraDest

December, 2020 CE = December 12020 HE

(The previous lesson 2/67 published since this post, and the most recent lesson 3/67…)

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

Turkish Tuesday, orphans, and magical stories, like the 1001 Nights: which were NOT Turkish…

Orphans like Çilek still deserve protection, especially if they cannot do magic to protect themselves the way Harry Potter does!  But sometimes, a good story can save your life, if you live in a land where stories are currency, and can buy many things.  Turkey, by the way, is not one of the lands where these stories originated.  Persia, and Arabia and parts of India, apparently, were the lands of these stories, before a few stories were added by the French…

But, telling the stories of survivors can often save lives, as in this free book Invisible Children, by KARA.org.

   “In your Child Protection System is there a volunteer program from a local law school that assigns a volunteer attorney to an abused child?  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 , #EndHomelessness, & #EndMoneyBail 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

post  originally scheduled September, 12020 HE

French Fridays and Adulting ed, Part II of The Adulthood Challenge

Part I

So, now for Part II of the Adulthood Challenge, after one has met the six prerequisites:

Dear Friends, here is another idea for your perusal.
A New Rite of Passage

We need a new rite of passage in which every teenager must voluntarily teach someone, from start to finish, a usable and important skill. It must be a skill which the person has to use in the real world, such as moving from the alphabet to reading chapter books, or from counting numbers up to multiplication tables, or from writing a sentence to writing an essay, or from no English to conversational or passable workplace English in the United States.

This needs to be a project which requires a serious investment of time (preferably meeting for two or three hours each weekday) for about one year. That way the young person can look back with pride on a serious accomplishment and justifiably claim his or her status as an adult. Along the way, several problems in our modern society can be solved at the same time :

-The increasing lack of self-discipline, civility and respect for learning among the young.

-The shortage of teachers combined with the budgetary shortfalls in most states would be somewhat mitigated by adding the numbers of teenage students needing to finish their “Adulthood Project” to the number of classroom aides and volunteers.

-The need for challenges and self-testing during the adolescent stage of life which is left unfulfilled by modern society´s unsatisfyingly arbirary definition of adulthood.

I would propose that implementing such an idea should begin with involving the local community by having the adolescent (or if still in his/her 20´s, the “pre-adult”) bring a person to meet with the community to show the starting point of the teaching process. After the learning objective has been attained, the pre-adult and the learner would return to meet again with the community to assess the effectiveness of teaching and to award the pre-adult his or her status as an Adult, with the full rights and responsibilities expected of an adult, including such cultural norms as civility, courtesy, and even graciousness.

In this way we may move from a society where rudeness is the norm to one in which graciousness is valued. For example, a friend tells of an incident where a lady´s dog snarled at her, and the lady apologized, which was the civil thing to do, and then even offered to call a cab for her, which was the gracious thing to do. A society in which graciousness is valued will be both a more compassionate society and a more creative one. I leave these thoughts for contemplation, debate, and action.

Love, Peace, and … Community Cooperation !!!
Shira Destinie
Gregorian dt.: Thursday, Apr 17, 2014
 12014 H.E. (Holocene Era)

So, it turns out that education, particularly the ability to think critically, sift information in more than one sitting, and to dig for the sources and motives behind that information, especially local legal (can anyone say, county elections commissions and Federal observation rules requiring both major party reps present at all vote counting since, forever…) and financial laws. Knowing how to find and keep up with changes in state and local level laws is a part of upholding adult responsibility (or “Adulting,” as the Millenials call it now) that seems especially neglected lately.  More on my continuing striving with adult education next time, friends:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

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

1.) Search for two different sources of your local state legal code.

2.) Share them with us in the comments, here, please.

 

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
Read, Write

Stayed on Freedom's Call: Cooperation Between Jewish And African-American Communities In Washington, DC, Ranked Choice Voting and Housing for ALL!!, Teach and Learn (Lesson Plans)!

 

ShiraDest

NaNoWriMo 2020 CE

November, 2020 CE = 12020 HE

(The previous lesson plan since this post, and the most recent lesson plan…)