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What About the Other 90%??

If a woman is on her back 10% of the time, what is a man bringing the other 90% of the time? But, don’t judge a book by it’s cover. This book provides tools for women to deal with the undertow that undermines the very thing they say they want.

By Chanda R. Mitchell

EBOOK/ISBN-ISBN-13: 978-0615739328
USD: $14.99/CAD: $17.99

ON SALE: April 1, 2021GENRE: Nonfiction/Personal Growth/Self-Improvement/Spiritual Growth



Not a soul need to count on cash loans in your retirement

California has gone by a disturbing milestone in payday loaning.

In 2016, residents 62 and some older took out more cash loans than any different age-group, based on field facts created in an innovative new document from your Department of Business Oversight. This phenomenon things to an ongoing erosion of your retirement protection for seniors.

Seniors entered into around 2.7 million payday dealings, 18.4percent much more than age people employing the second-highest full (32 to 41 years). They labeled once that DBO report on payday loaning, printed yearly, revealed seniors being the best paycheck loaning recipients. The total business because earliest Californians in 2016 showed a 60.3percent build from number reported for the generation in 2013.

In California, payday advances cannot go beyond $300, and so the maximum phase is actually 31 times. The prices results in yearly percentage charge that greatest 400percent. In 2016, the typical APR was 372%, as per the DBO report.

Users typically make use of payday advances getting through sudden financial difficulties. Commonly these people acquire numerous finance in a year, finding yourself in what authorities dub a “debt trap.” In 2016, Ca seniors happened to be returning consumers more frequently than some other organizations, as per the DBO report. The typical cash advance debtor 62 many years or some older took out almost seven pay day loans just last year, compared to the common of 6.4 funding for every buyers.

The payday credit reports not show troubling clues towards debt obligations for seniors, and supplies proof of the disturbingly weakened status of retirement security for say citizens.

California county officers have actually attempted to reinforce your retirement protection through a program to sign up private-sector people, who are not these days enlisted, into a retirement account. The protected Choice system requires companies with five if not more workers to really make the plan accessible to their employees. Payroll write-offs begin 3percent and may get as high as 8per cent. Staff is automatically signed up for this system unless they choose .

Nonetheless program was under attack by President Trump and Republican Congress. At the beginning of will, Trump signed a GOP-passed congressional quality that turned a 2016 regulation that expressly offered secured Selection a good harbour from being required to comply with the employees Retirement earnings Security Act of 1974.

Secure Choice’s sponsors have charged the setback on GOP adherence for the dreams of Wall road megafirms, which read products like Secured option as rivals in the retirement cost savings procedures marketplace. Backers disagree safe options are lawfully seem, also without the presense of direct ERISA secure harbor. Let’s wish they’re correct. Ca seniors have earned far better than a retirement containing pay day loans.

Advocates claim Dependable choices could offer retirement money for roughly 7 million private-sector people https://guaranteedinstallmentloans.com/. The system replies to a decadeslong phenomenon which has spotted a gentle fall in worker use of pensions and pension economy campaigns.

See this as data offered from various methods the say treasurer’s safe solution page:

  • In California, 7.5 million private-sector staff members don’t have any usage of retirement preservation plans through their unique boss.
  • Over 50percent of households will get into retirement without adequate revenue to sustain their particular quality lifestyle.
  • Around 30percent of homes headed by persons 55 or more aged don’t have any retirement savings.
  • Well over one-fifth of retirees expect Social Security for 90% of the income.
  • Social protection produces more than half with the profits for 62percent of retired people.
  • These amounts let demonstrate why Ca seniors more and more have actually turned to cash loans. Without having nest-egg to engage, plenty may look at a payday storefront to check out his or her just odds. If protect decision operates, many Californians will like safer retirements, and give a wide berth to the recklessness that provides fruitful ground for payday loaning.

    What About the Other 90%??

    What's Inside?

    • An understanding of why women choose the men they choose
    • The purpose for which a woman was created
    • A little about Chanda’s life
    • Insight into the basic needs of a woman
    • How powerful a man can be in a woman’s life


    When Chanda Mitchell told me that she was going to write a book on the 90% that women are missing out on from men, I was intrigued by the title, “What About the Other 90%?” I thought the title was extremely thought provoking and the question needed to be asked and addressed and answered and not by a man but by another woman who’s been living it out in real time.

    In our society we desperately need women authors to rise up and speak to the heart of where their readers live through every day and bring answers to the table that make sense.

    Wray Wade
    City Council Member at City of Longview

    Ms. Mitchell was a welcoming addition to my media team during my re-election campaign for Longview City Council. Most recently she assisted me with interviews with a local television station, which went incredibly well.

    Haley Brooke Griffin
    Owner of DuBeck& Co

    Awesome program! They really helped me with business ideas and even gained business for me. Great experience with Momentum Builders, LLC..

    Signup to be the first to know when Chanda launches her next book.


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    ADDRESS, PO Box 6453, Longview, TX 75608