Wednesday, October 15, 2008
Shopping Galore
If you're a frequent visitor of my other blogs, you'd know I've been shopping like crazy. Online shopping is so cheap. The only thing stopping me is the fact that my purchases might not fit in one box. In fact, aside from sharing a box with another online blogger, I managed to fill up one whole balikbayan box for myself. I bought plenty of rare books, cheap t-shirts for the husband, sale clothing for me and sandy and some footwear. When I say some, it means 5-8 items per person. LOL. The pricing online can be pretty misleading. You'd think you're safe because you're buying $4.99 - $6.99 items but if you total all of them, surprise! You can easily spend $500 in one seating. But I'm happy because I know everyone in the family, including some of my close friends will be thrilled with our gifts.
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The Arizona Credit Union System evidently wants the payday advance industry in the state to dry up and die. Their position is likely fueled entirely by self interest, and they are stepping up its lobbying efforts in order to drive the competition out and get their hands on their customers. The Arizona Community Financial Services Association is one of the organizations vying to pass Proposition 200, which will regulate the industry in the state, reforming the industry into a completely legitimate and regulated industry, which will benefit the businesses, but most of all the consumers. The bill will lower loan fees, create far more flexible repayment plans, and put greater restrictions on physical stores and further regulate the online lenders. These are real reforms, and they benefit the consumers, but they also will stave off the doomsday clock for payday loan lenders in the state, set to expire in 2010. Does anyone really think that ANY state in can afford to create more unemployment?
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