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The Westmoreland Journal
King George, Virginia
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May 18, 2016     The Westmoreland Journal
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2 •Wednesday, May 18, 2016 THE JOURNAL www.joumalpress, corn 000 My grandad worked at a printing plant that ran twenty- fours a day. This was back in the 1930'S and 40'S. Across the street there was a ham- burger joint, a DAVID S; KERR bar, and a few other assorted small businesses that lived offthe daily traffic of work- ers at the plant. But, he also told me that were other unseen enterprises. For instance, there was the guy who in exchange for a quarter took your lottery number. Before lotteries were taken over by the government, lot- teries were illegal and often run by organized crime, can't come after you with their thugs, Then there was another fellow that's still against the law, but they you could talk to if you needed cash. could charge an outlandish interest You'd tell him your story, sick child, rate as well as numerous fees. And gambling debt, behind in the rent, unlike their depression era ances- whatever, he'd ask how much, and tors they don't have to operate out of in return for an incredibly high rate a bar. Or duck intothe men's •room of interest for the time, and a quick when the local cop drops by. In our repayment plan, he'd lend you some area there are several payday lend- cash. He Was called a "loan shark" ers. Their office space includes sev- His methods were crude by mod- eral former filling stations and an old ern standards and if you missed a Seven-Eleven. Nothing but the best. payment then he and some of his It didn't take long for this enter- friends might rough you up in an al- prise to take off in the Common- ley someplace, wealth. And little seemed to hold Now, flash forward 60 years and them back. • During their first few guess what, during the 2002 session years of operations they made the of the Virginia General Assembly loan sharks of old look cons~ervative. the Legislature authorized payday No, there weren't any bully boys with lending. It was different from loan baseball bats, but the rates and fees sharking. But, only a little bit. They were astronomical. The loan sharks of my grandfather's era would prob- bad, reforming the system did a little ably have blushed at offering such good, but the best answer would be outrageous charges. But, the system getting rid of it entirely• It's a blight was the same. They ensnared low on our community. income people in a net of small loans Payday lending is a simple enough that seemingly could never be paid concept. It's a super short term off. loan, usually in an amount as small In 2008, things got a little better, as $100 or up to $500. Or, more But, only a little. The legislature, perhaps. The process takes several responding to public pressure from forms. One involves, say, going to a low income advocacy groups capped lender and gi~ng them a check that the interest rate and the number of they can cash when your paycheck times a borrower could go to a par- comes in. It will include the 15% in- ticular lender in one year. This was terest rate, but will also include, one, good, but they left plenty of loop- two or even three different fees. This holes and payday lending, car title is the way they got around the inter- lending, continued on. est rate cap. Payday lending has, been with us These folks are predatory lenders. for 14 years and our area continues Just watch their ads on TV. "Need to be ripe territory for their prac- cash in a hurry?" Surel why not, and rices. Letting it in the first place was all that paperwork, including the bit where you might sign away the title to your car, is sometimes not fully explained. Most of us know better than to get mixed up with these b/pes of lenders• But, a lot of low income t people don't. The payday lenders have a strong lobby in Richmond. They always seem to get the ear of the legislators first. But, it's also, the duty of govern- ment, and the General Assembly, to protect the weakest and most vul- nerable of its citizens. That's why we had laws against these kinds of lend- ing activities in the first place. And it's the very reason why we should bring them back. it's time to put the payday lenders and all their associ~ ated enterprises out of business. A FOND FAREWELL TO education and they put their money LIVESTOCK AUCTION where their mouth might be. The Fredericksburg area 4H Live- Specifically, when the kids show stock Clubs recently held their last their animals that they have taken livestock show and sale at the Freder- care of, fed, kept records for, and icksburg Livestock Exchange, which worked with for several months to is closed now. The show was held for even a year, they are judged at the Ju- 69 years at the Livestock Exchange. niorLivestock Show. Judges teach the My family does not have more than kids how to show off the animals and a half dozen years connected with they award ribbons and small prizes that event but the impact of those to the best young people that show few years due to the local support of their, skills. Another round is made King George citizens has been tre- in the ring as a market class to show mendous, how well developed and cared for the My kids both joined the local 4H animals are. Ribbons and small priz- Livestock club so they could learn es are again awarded. Later that eve- about agriculture. Our family grows ning, the kids make one more round a garden, hunts, fishes and lives off with their animals in front of buyers the land as much as possible. We also who will bid, per pound, on each ani- raise small stock to put food on the mal. Many buyers simply bid to buy table. My wife and I felt it very im- an animal and then let it go to the portant for the kids to learn what it regular auction the next day for what takes to raise food to include larger often is a much lower price meaning animals. What we did not know was that the buyer of the kid's animal pays that there are a number of people that a healthy sized difference and does have a heart for this type ofreal word not even keep the animal or get the meat. A few buyers may buy an ani- mal and keep it. But, why would anyone do such a thing and lose money? Because they care about the kids and they care about our way of life and the future of agriculture and our food. The point of my letter is not to sim- ply say that kids learn an awful lot about agriculture, our food or raising animals and gaining responsibility. Those things are true though. The point of my letter is to shine a light on the Citizens of our local communi- ty that have shown up for the Junior Livestock Show repeatedly to help the kids. These bus~esses, families and individuals don't do this for the spotlight or the attention. In fact, I am sure they don't want the attention. However, I cannot let their efforts go unnoticed. For the past five to six years there have been three, business- ' es with faces behind those businesses that have fully supported my two children repeatedly. They are more than generous. They have helped my kids gain confidence, work ethic, an understanding of life and where food comes from, what it means to work hard and m~ kids have learned what it means to have strong community support. H.L. Williams and Sons (Mr. and Mrs. Williams), Waterloo Farms (Lewis Ashton) and King George Farm Bureau have been incredibly supportive EVERY year not only to my kids, but many other kids in the area. While there are many other businesses that have supported the youth in our community, I wanted to be sure to single out and shine a light on these three. I also want to thank you from the bottom of my heart for your unwavering support that always comes with a smile as you win your bids on the animals. My family notic- es and feels the impact of your efforts and I hope others do too. Thank you! Mark Fike, King George WIPING OUT CSA HISTORY controversy just because the school IS 'INSANITY' names are associated with the Con- Tile frantic insanity to wipe outfederacy. '~ the memory of Southern Civil War I believe that it would be far more heroes who did not promote the appropriate to change the names of mass slaughter of slaves, Indians, or buildings, schools, streets, and towns any other cultural or racial group and tear down monuments to the amounts to utter hypocrisy when likes of genocidal hate-mongers and America still honors hate mongers bigots like Andrew Jackson and other who promoted and carried out geno- mass murderers of Native Americans cide against Native Americans. than to worry about Confederate he- In Houston, Texas, the local school roes who had no history of promot- board has decided to change the ing or participating in genocide. names of numerous schools at great Even more hypocritical is the fact taxpayer expense and the creation of that there are believed to be more THANKS TO ALL WHO HELPED stories and feel blessed to have been CHURCH HELP TORNADO a small part of the relief efforts that VICTIMS helped neighbors and friends. Just wanted to ask that you place Thank you to all the laonprofit a thank you from Menokin ]~aptist groups, churches, businesses, .and Church - Menokin Samaritan Fund private citizens that donated to the collected donations to help with tor- cause. nado relief for victims of Westmore- We continue to pray for you and land County March- April 2016. your families. Menokin collected $4876.05 and all funds were distributed to God Bless, the Westmoreland County families Teresa Garner Williams, Menokin r identified as victims of the 4/24/2016 Samaritan Fund, Menokin Baptist tornado. We were humbled by their Church slaves in Houston in 2016 than there were in 1850 when there were 527 slaves in Houston and even 1860 ,when the slave population had in- creased to 1,061. George H. Russell, CEO of Educa- tional Video Network, President of The Ethician Foundation, and founder and Bishop of The Universal Ethician Church. 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Send your Letter to the Editor to Iori@journalpress.com The Journal 10250 Kings Highway • Post Office Box 409, King George, VA 22485 Phone: (540) 775-2024 • Fax: I540) 775-4099 Online: www.journalpress.com EDITOR AND PUBUsHER SALES REPRESENTATIVES Joel Davis * joel@joumalpress.com Dennis Verdak • dennis@journalpress.com Narcene Ruczynski • narcene@journalpress.com SUBSCRIPTIONS Legal~Classified Display * lori@joumalpress.com Bonnie Gouvisis • bonnie@joumalpress.com COMMUNITY & CHURCH NEWS Loft Deem * lori@journalpress.com REPORTERS GRAPHIC ARTIST Phyllis Cook ° pcook@crosslink.net Leonard Banks * leonard@journalpress.com Richard Leggitt * richardleggitt15@gmail.comPRODUCTION/MIS SPORTS EOITOR Drue Murray • drue@journalpress.com Leonard Banks ° leonard@journalpress.com GENERAL MANAGER Robert Berczuk * robert@journalpress.com Subscription rate is $24 per year (52 issues), or 50¢ on newsstands. Outside the counties of King George and Westmoreland, the rate is $38 per year. THE JOUK~AL (ISSN #87502275) is published weekly by The Journal Press, Inc. Postmaster, send 3579 to: The Journal, Post Office Box 409, King George, Virginia 22485 II 9 263 9 6 3 8 2 6 4 9 4 3 1 2 2 7 1 3 4 7 •. 5 Level: Intermediate CLUES ACROSS CLUES ACROSS 1. Chinese mountain range 5. Adjust 10. Mad Men's Don 12. Mall capital 14. One who restores 16. &J 18. Defunct PlayStation game 19. King Cole, musician 20. Rock fragments 22. Breeze through 23. Languishes 25. German courtesy title 26. Bunko game 27. War film" Boot" 28. Title of respect 30. He "sang" with Rob 31. Abba _, Israeli politician 33. Erase 35. It's a wrap 37. Has required courage 38. Spoke 40. Monetary unit 41. Scatter 42. Pouch 44. Have already done 45. They ring receipts 48. Fixed charges 50. Hell 52. Pay this before leaving 53. Alternating turns on the roads 55. Pick up 56. Wrath 57. Northeast 58. She launched "Just Say No" 63. Cigar 65. Frozen spike 66. Unusual 67. Type of number CLUES DOWN 1. 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