27/03/2015 - En l’article de Katherine Haas per Opelika- Aurburn news; veiem la intervenció de Barack Obama en la seva segona visita a Alabama aquest mes; on tracta el tema dels “payday loans” o préstecs ràpids fora de la banca comercial, que assolen als ciutadans que tenen dificultats per accedir a finançament dins del sistema bancari, oferint-los préstecs amb interessos abusius que molts d’ells no poden retornar. Gary Fuller alcalde d’Opelika parla de l’ “Educació Financera” com a arma per combatre l’abús d’aquests productes.
Educació Financera contra el sobreendeutament hipotecari
The energy was palpable in the Arthur Shores Fine Arts Building at Lawson State Community College in Birmingham Thursday afternoon, as an eager crowd sat on the edge of its seats anticipating President Barack Obama’s second visit this month to Alabama .
Just three weeks after Obama stood in front of the Edmund Pettus Bridge in Selma to speak in commemoration of the 50th anniversary of Bloody Sunday, the president addressed a second group of Alabamians — not about the history of civil rights, but on the right of every American to have a “fair shot” at getting ahead financially and the need to reform predatory lending practices.
“The economy grows best not from the top down, but from the bottom up,” Obama said. “That’s why I’m pushing for middle-class economics – the idea that this country does best when everyone gets their fair shot, everyone does their fair share and everyone plays by the same set of rules.”
According to Obama, one issue that is prohibiting some Americans from being able to free themselves from a “vicious cycle of debt” and thus to promote their socioeconomic status has to do with the practice of payday lending, which gives consumers the opportunity to get short-term loans accompanied with extreme interest rates — rates that can be up to 456 percent annually in Alabama.
Fuller said he believes people should learn how to best handle their money while they’re young.
“Payday loans can seem like easy money at first, but the average borrower ends up spending about 200 days out of the year in debt,” Obama said. “If they take out a $500 loan at the typical rates, they wind up paying more than $1,000 in interest and fees.”
Obama explained that payday loans that are often issued to cover unexpected expenses, such as hospital bills or car repairs, can lead to a “catastrophic financial situation” for those unable to cover the high interest rates.
“In reality, most payday loans aren’t taken out for one-time expenses; they’re taken out to pay for previous loans,” Obama said.
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Continue reading: Oanow.com
Photograph by Christopher Dilts
+Infografía: Money as you grow- United States Government
Curso: Gestión de tu presupuesto familiar (IBERCAJA OBRA SOCIAL)
