Thursday | November 23, 2017
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Your Views for October 25

Restore Hawaii

If President Donald Trump thinks peace is achievable in Israel’s hostile environment, he can certainly conceive of the solution to restore Hawaii. Exercising an executive order, he’d rival Abraham Lincoln’s Emancipation Proclamation.

World-changing possibilities, Trump’s position could be for such a time as this. Despite naysayers, he’s proven anything is possible.

Restoring the Hawaiian nation is viable. Establishing righteous precedents, many of the logistics are relatable to domestic and international affairs.

Biblical principles are culturally appropriate for land distribution, governance and integrating people. It includes criteria for loving resident aliens, protection of property and dual citizenship.

In November 1917, Queen Lili‘uokalani died. Her faith in God to restore Hawaii lives on.

Lili‘uokalani’s book concludes, “As they deal with me and my people, kindly, generously, and justly, so may the Great Ruler of all nations deal with the grand and glorious nation of the United States of America.”

Michele Lincoln

Lahaina, Maui

$42 minimum wage

People working in a minimum wage job who are caught in an endless cycle of payday loans would be making an equivalent of $42 per hour if they escaped this trap. With an advertised APR of 460 percent for a two-week loan, the cost of having $100 two weeks sooner is more than $460 a year.

In effect they are making only $2.05 an hour, since $7.20 goes to interest on their loan. Unfortunately, payday-type loans are just one example of the many pitfalls consumers encounter in today’s economy. Understanding compound interest when “fees” are added, what a credit score means, and how to use credit wisely should be part of a core requirement in everyone’s education.

Call it financial literacy, consumer economics or common sense, the sad fact is we teach our children how to balance an equation, but not a checkbook. In terms of relevance to any individual’s everyday life, how to handle money is one of the most important skills there is. Unfortunately, it is all but ignored.

The American consumer economy is like a field of wild mushrooms, where ignorance can be fatal. Understanding the “fine print” is important, but too often even the bold print is misleading. In a world where the diversity of financial products changes daily, regulation can never hope to keep up with the barrage we are subjected to. The ability to think critically is the only defense people will have.

Systematic curriculum is available for schools to address people’s knowledge of these basic life skills. Adopting it from an early age in a core education would be a wise investment for personal independence and the quality of life of individuals in our modern society. This is where legislative attention should be directed — and money spent.

Michael Mentnech

Hawaiian Paradise Park

 

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