Two things I’ve seen recently have made me scratch my head and say “Really?”
The first comes out of Colorado.
In an Associated Press story I read, it turns out an Easter egg hunt — designed, of course for kids — was canceled because of a bunch of pushy parents. Seriously.
It seems that last year, there were so many kids that organizers had to basically place many of the eggs out in the open because there weren’t enough places to hide said eggs.
And, as the story goes, parents decided to hop the “parent rope” to help their kids snatch up as many of these delightful plastic eggs as possible. Many kids were left without even one egg, which featured candy and certificates for local businesses.
The AP story notes:
That hunt was over in seconds, to the consternation of egg-less tots and their own parents. Too many parents had jumped a rope set up to allow only children into Bancroft Park in a historic area of Colorado Springs.
Can I get a “Really?”
Look, I realize that we are in an era where many people think their kids can do no wrong. They have to succeed because they are the best. And, of course, they want their kids to win — even in an Easter Egg hunt.
Society has that blue-ribbon mentality. “My kid has to be the best.”
Anyway, by this all happening, some kids were left without an egg.
Sure seems like great stuff, huh?
It’s no different than the little league parent or the pee wee parent. Same thing. Their kids can do no wrong and others are below said child. Look at schools and how they can and can’t do things in fear of parents.
When I grew up, you learned both ends of things — winning and losing. It’s part of life.
From the story:
Parenting observers cite the cancellation as a prime example of so-called “helicopter parents” — those who hover over their children and are involved in every aspect of their children’s lives — sports, school, and increasingly work — to ensure that they don’t fail, even at an Easter egg hunt.
It’s everywhere. That’s for sure. And it’s downright insane.
I saw it in my years as a sports writer. Do you know how many times I cost a kid a Division I scholarship because I wrote that he or she missed a shot, made an error or something along those lines?
It didn’t matter that little Johnny or Janey was the eighth person off the bench. Said parent still thought I was out to ruin their chances at a full ride to college and, of course, being a professional.
It’s downright ridiculous.
People — failing is as much a part of life as is succeeding. It’s how one grows as an individual. You can’t learn from mistakes if someone is always there to make sure you don’t fail.
An Easter Egg hunt — YES AN EASTER EGG HUNT — was canceled because of overzealous parents. Seriously.
Where the hell is the sanity in this?
While the above part of this post made me say “Really?” because of insanity in society, the next one made me do it in terms of reality.
Have you seen these commercials for Western Sky loans?
If not, take a gander:
Note the part where she says “Yes, the money’s expensive, but it’s a lot cheaper than a payday advance.”
I’m not sure how much a payday advance is, but there’s no way that it’s more expensive than these crooks.
I had to check what this “the money’s expensive” actually meant, so I went and checked out its website.
This part, in big letters at the bottom of the page, really made me think:
Western Sky Financial, LLC, is a Native American-owned business operating within the boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America.
I’m assuming that means they don’t have to abide by the laws of the US in regard to lending? Because the fine print made me gasp.
LEGAL DISCLAIMER: The APR for a typical loan of $5,075 is 116.73% with 84 monthly payments of $486.58, with a loan origination fee of $75. Individual loan terms such as the APR and any fee may vary and are dependent on the amount borrowed, the term and the borrower’s financial background. A loan will be renewed or automatically extended at maturity with the same terms unless the borrower pays off the loan balance [or Western Sky’s renewal policy]. Any late or non-payment may adversely affect borrower’s creditworthiness, may result in borrower being subject to collections or being sued and will increase the outstanding balance due the accrual of late fees and any increase in the interest rate. Read and understand all loan agreement terms and conditions before borrowing. Credit approval is not guaranteed and is dependent upon underwriting guidelines. See our website or call us for any questions. Some documentation required.
You read that right — 116.73%.
On a $5,075 loan.
Do the math on that payment schedule — 84 payments at $486.58. That comes out to $40,872.72! FOR A $5,075 LOAN!
That is more than many people make in a year.
A seven-year loan could cost you nearly $41K.
If you need money, there are way better ways to go about it. Sure, this company claims the money can be in your account the next day, but who cares? Go to a bank. Interest rates are way lower and if you’re approved, the money comes quick, too.
I realize if you pay things off fast, it won’t be as bad as this — but it’s still an interest of more than DOUBLE what you are borrowing. Even in six months, that would be crazy.
I fear for anyone that goes to these crooks. And that’s what they are — crooks. There’s no other way of covering it up. This isn’t just loan sharking, this is downright thievery.
This is another commercial from Western Sky:
Fundraiser: I am, again, trying to raise money for the Relay For Life. If you donate to me — even a small amount — you will be entered to win a super-sweet quilted scarf. Click here for all the information!
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