wimp.com JAK members bank From Wikipedia, The JAK Members Bank, or JAK Medlemsbank, is a cooperative, member-owned bank based in Skovde, Sweden. JAK is an acronym for Jord Arbete Kapital in Swedish or Land Labour Capital. A membership of approximately 35000 (as of 2008) dictates the bank’s policy and direction. Board of Directors is voted annually by members, who are allowed only to have one share of the bank. Similar to Islamic banking, the JAK Members Bank does not charge or pay interest on its loans (see Usury). All of the bank’s activities occur outside of the capital market as its loans are financed solely by member savings. As of 2008 members saved 97 million Euros, of which 86 million are given as loans to members. Administrative and developmental costs are paid for by membership and loan fees. JAK banking is made possible by saving points system: members accumulate saving points during saving periods, they use saving points asking for a loan. The main idea is that one is allowed to take a loan for himself in the same measure he allows other people to have loans, saving into his account. For this reason – asking for a loan – earned saving points must be equal to spent saving points, in order to ensure sustainability. If a member is borrowing more saving points than he has, he is obliged to continue accumulating so-called “aftersavings” during repayment period. “Aftersavings” are a fixed quota of money that one has to save after his loan was given, in order to …

If I had some strong words of advice, stay away from pay day lenders if your going through financial hardships . I have a friend who did this and I wish she would have talked to me before she got a 00 dollar loan from some loan sharks called “CashCall” to cover her rent. I’m sure you’ve heard their commercials with pitch man Gary Coleman ? I could have lent her the money at a cheaper rate to pay back later, if I would have known . Anyways, she had to pay back 1500 dollars, in addition the 1500 dollars in interest !? So she payed back 00 . When I asked her why did she do that, she told me she wouldn’t of if they had made it clear how much interest she would be paying back .I payed her loan in full because she was a friend . However, I know most people aren’t so fortunate . When your stuck, your stuck . So please if you find yourself in a money bind, stay away from these pay day places ! Try to work something out with a friend or family member . There are plenty of government rental assistant programs to help people that you can use . Rachel Maddow explains some of these predatory practices of payday lenders and why they are fearing financial reform .

Bengal tigers are conserved by state and federally licensed facilities

Washington, DC (PRWEB) December 30, 2011

Feline Conservation Federation (FCF) the nation’s largest organization devoted to wild feline husbandry and conservation, has examined New Jersey Senate Bill 3061, which creates new regulations, and registration and reporting requirements for tiger owners, and found the bill to be unnecessary, burdensome, and potentially dangerous to the tigers it hopes to protect. According to FCF Executive Director Lynn Culver, “This is a feel-good bill to solve a problem that doesn’t exist.”

Senator Lesniak’s bill was written to prevent the potential for American tiger parts to enter into the illegal medicinal trade. Both TRAFFIC, the wildlife trade watchdog, and the U.S. Fish and Wildlife Service, have reported their investigations found no evidence to link U.S. tigers to the black market in domestic or international trade, as live animals, or as parts and products.

Even though it is already a federal felony to sell tiger parts for food or medicine, and there has never been a prosecution of an American selling their tiger to the food and medicine trade, Senator Lesniak wishes to impose additional burdens on the state’s zoos and museums to further discourage them from breaking the law.

Senator Lesniak’s bill, S3061, would make it illegal to bury a tiger, would require cubs as young as ten-days-old to be removed from their tiger mother for micro-chipping, and require educational facilities to pay another permit and registration fee to another state government agency.

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In 2011, the FCF national feline census identified 2,884 tigers currently residing in the 50 states. The census also found that 95% of tigers are maintained in either state or federally licensed facilities. The Department of Agriculture requires zoos and museums holding tigers to identify their animal holdings, and maintain birth, death, acquisition, and disposition records, and make them available for inspection and tracking. The FCF believes these inspection and reporting requirements already in place are sufficient oversight.

FCF census data shows in the state of New Jersey, six zoos and public museums hold 24 tigers. The USDA Department of Agriculture and the New Jersey Division of Fish, Game and Wildlife, license these tiger exhibitors and inspect their records. Senator Lesniak’s tiger-tracking bill, S3061, would add the New Jersey Department of Environmental Protection as another state government agency tracking New Jersey tigers.

According to Culver, “Senate Bill 3061 targets the professional wildlife businesses that base their livelihoods upon educating the public about tiger poaching for medicinal use, and how it is threatening the survival of the tiger species.”

The FCF is against S3061 because it interferes with private property rights, adds permit fees and regulations, and creates another layer of government bureaucracy for zoos and museums, all to stop the non-existent illegal commerce of American tigers.

“The American tiger population is insurance against extinction”, says Culver. “ FCF would much prefer to see legislators spend their time and our tax dollars introducing bills that support captive husbandry of endangered species with grants and aid.”

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