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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



Pay Day Loans: A Pound of Flesh—Fees May Apply. The legally and morally rickety design of loans connection firms in Nevada

During an element of East Austin, we now have little or no outlets, number of bars except that fast-food bones, and the other lightweight, ordinary store. But all of our container runneth over with pay day loan businesses and auto-title financial institutions. You might have to pump mile after mile to locate a bank, but within seconds can be found $1,500 from a variety of pleasant district merchants of easy, costly credit score rating. I am sure, because this summer time We took out a payday loan in about 45 moments. If I gotn’t cancelled it within 72 several hours, because the legislation permits, just in case We created all 10 transaction by the due date, I could’ve wound up having to pay $2,362.23 to move my five-month $1,500 debts, a powerful APR of 612 %.

Come july 1st in eastern Austin, a laundromat at an active intersection converted almost overnight into a TitleMax, just a mile from another TitleMax. On a nearby biggest thoroughfare, installment loans South Dakota a single-wide truck nearby to a biker club focuses on an alternative market, supplying to repay name debts for beleaguered consumers. On a three-quarter-mile pull of East Seventh streets alone there are seven cash advance shops and concept companies, each advertising some version of “up to $1,000 cash—fast!” The growth of those alleged account gain access to corporations continues explosive in Lone-star state, tripling during the past eight years to more than 3,200 these days, one particular about any state. They have an inclination to cluster in communities like mine, wherein low-income hardworking group live commission to paycheck.

View an infographic about pay day loans from Allmand Law. Allmand Laws

Let’s generally be plain regarding what make these businesses extremely successful: lending. Structuring that loan to demand $130 in expenses per one hundred dollars borrowed (that’s the typical for a quick payday loan paid back in payments) try usury, whatever the constitutional contortions that hold these types of organizations appropriate. The key belief lifestyle and civil civilizations have traditionally respected the risks of interest-bearing financial loans, either forbidding or gravely restricting finance interest rates. In that respect, Texas are an outlier, actually among American reports. Payday and label loan providers in Nevada haven’t any controls on the amount they may be able recharge. Almost every other county either prohibitions payday advances or imposes a strict cap on focus and expenses, frequently 36 percentage.

The lawfully and morally rickety framework of loan availability corporations in Tx are centered on circumvention with the state’s anti-usury laws and regulations. The funding are actually prohibited from surpassing ten percent interest. Simple fact is that rates, commonly caused multiple times, that strip employees of the meager pay.

The reality that our very own constitutional leader, mostly an old-fashioned Christian ton, choose to prevent also perfunctory legislation for this predatory market talks not exclusively limited to the company’s corruption, but to a distressful financial and sociable bifurcation in our environment.

One of the more grotesque elements of the legal debate about payday loans may infantilization of people who make use of them, actually by some well-meaning advocates. The presumption is certainly not the’s enterprize model was predatory, but that their customers are monetary illiterates too silly to learn to read the small print. The poor issues. Legislators don’t keep in mind that Those People make a rational choice. Many recognize that they’re becoming ripped-off, but having to pay excess is better than the alternative: getting his or her electrical power or phone take off, not being able to pick foodstuff, obtaining evicted. Your options offered to employees wanting thrive on wages are wide and varied from those offered to prosperous legislators with mutual funds, nutrient right, oblivious trusts, 401(k)s, institution discount profile, and all the other taken-for-granted accoutrements of informal wealth. They don’t understand how one other half lives.

Condition Rep. Vicki Truitt, R-Southlake, is normal. Finally class, she squashed attempts to utilize usury regulations with the market right after which failed to pass a half-measure expenses that will has taken care of the interval of credit. She achieved have the ability to get other legislators to successfully pass the girl expense calling for additional disclosure of costs. But Truitt nonetheless seems mystified regarding the basics.

“Why would an individual make a choice before that they had that [disclosure form]?” she marvel at a current Capitol reading.

As you female whose car was repossessed by an auto-title loan provider told myself: “Honestly, the issue isn’t that individuals dont figure out what we’re stepping into. Any time you hit emergency method, you are able to perform anything to get away from emergency mode.”

As a culture, we’ve normalized “crisis mode” as a near-permanent problem befalling scores of all of our other citizens. But I hope all of our spirits aren’t so difficult nor our minds extremely delicate that people can’t notice useless mercilessness of having one dollar from a desperate individual who only has requested any money.

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..

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ADDRESS, PO Box 6453, Longview, TX 75608