Imperial Valley Press : 2019-02-11

OPINION : 6 : A6

OPINION

A6 Monday, February 11, 2019 Imperial Valley Press n n Opinion want to comment? Contact Editor in Chief Tom Bodus at [email protected] or (760) 337-3427. my view my view Do it anyway, in any way you can Some good reasons to chuckle I think we have a strong, American impulse that tells us to do something despite someone else’s warning to not do that very thing. I’m sure someone cautioned motorcycle stuntman Evel Knievel not to attempt jumping over a box of 50 rattlesnakes followed by two mountain lions in 1965, but he did it anyway. I suppose it doesn’t matter that he bumped into the edge of the box of snakes when he landed, causing the onlookers to scramble for their lives, because this stunt literally launched Knievel’s career as an entertainer and household name. Now it’s time to launch into today’s grammar lesson. When should you use “anyway” and when should you use “any way”? And is “anyways” ever acceptable? Let’s jump in. Anyway means “in any case” or “regardless.” Even though many people warned him, Evel Knievel attempted wouldn’t advise you to use it in a formal speech (like while delivering a eulogy or a State of the Union address), but it’s not necessarily wrong. Use it only in informal speech or writing. However, as soon as I try to forbid you from using “anyways” in your lexicon, you’re totally going to do it. It’s just like when someone told Evel Kneivel he couldn’t jump over 50 cars — he did it anyway. As soon as anyone attempts to limit the American psyche or tell us we can’t do something, we answer the doubters and haters by saying, “Just watch me.” Just make sure the snakes stay in their box this time. CURTIS HONEYCUTT MICHAEL REAGAN I to jump across the canyon anyway. You can also use anyway to signal you’re continuing a story that was interrupted. “So, anyway, I told the guy, ‘That’s not even my dog!’ Jeff joked.” When it comes to “any way” as two words, the rules are different. The word “any” modifies “way.” Any way means “by any manner” or “by any method.” For example: There wasn’t any way the rattlesnakes were going to go back into the box voluntarily. In order to get my kids to go to sleep at night, I’ll bribe them in any way I can. “Anyways” is a nonstandard, or colloquial, way of saying “anyway.” I t’s not often you get to really laugh at politics. But thanks to a bunch of self-exploding Democrats in Virginia and Sen. Elizabeth Warren, Republicans had some good chuckles this week. Since the midterm elections last fall, Republicans have been down in the dumps and Democrats have been riding high and mighty. Democrat leaders spent January gloating about retaking control of the House of Representatives, coming up with 152 ways to impeach President Trump and voicing support for the dumb legislative ideas of their star rookie socialist, Rep. Alexandria Ocasio-Cortez of NYC. Rep. Adam Schiff, my Southern California congressman, has promised every camera he’s looked into since last November that his House committee was going to spend the next two years investigating several decades of Donald Trump’s business records, tax returns and, if necessary, his golf scores. But this week, as President Trump delivered a great State of the Union speech, the Democrats got knocked down off their high moral horse by a series of scandals involving the personal and moral failings of their guys running the state of Virginia. First to topple was Gov. Ralph Northam, a pediatrician who had already recently shocked much of the country by advocating the abortion of a full-term infant with deformities after it was born. That Dr. Mengele-like position brought calls from the pro-life community for him to resign, but he didn’t, and he got a predictable free pass from pro-abortion Democrats and the liberal media. What really got Gov. Northam in deep trouble with his own party happened a few days later, when unflattering pictures of him surfaced from a 1984 medical school year book. Gov. Northam was seen either in blackface or wearing a KKK hood. No one — including him — was sure which person he was. He ended up denying it was him in either racist costume, but then confessed at a bizarre press conference that he once wore blackface as part of a Michael Jackson impersonation — and even offered to perform a “moonwalk” for reporters to prove it. While Republicans chuckled at the antics of the Democrats of Virginia, and almost everyone in his own party clamored for Gov. Northam to resign, we learned that Lt. Gov. Justin Fairfax, the next in succession, was in even more serious trouble. A professor from Southern California had publicly, graphically and credibly alleged that Lt. Gov. Fairfax violently sexually assaulted her at the Democratic National Convention in Boston in 2004. Whoops. A liberal chicken had come home to roost in the new Democrat Party. In the post-Judge Kavanaugh era, where liberals have declared that sexual assault victims are always to be believed, that means Fairfax is almost certainly a goner, no matter how strongly he denies the woman’s allegation. That leaves Democrat Attorney General Mark Herring next in line to become Virginia’s governor, but Herring is also in trouble with his party because he too has admitted that he put on blackface to impersonate a rapper while at the University of Virginia in 1980. We don’t know yet if one or all of the tarnished Democrats will be forced to resign. It’s not something their party wants to see happen, no matter how guilty they all may be, because if they all go, a Republican — state House Speaker Kirk Cox — would become governor of Virginia. It’s no joke, but it’d be really funny if it came true. Cox is fourth in the line of succession only because a name was drawn out of a bowl to settle a tied state House race last fall, and that’s what gave Republicans control of Virginia’s House. As if the Virginians didn’t do enough damage to the Democrat Party this week, Sen. Elizabeth Warren also did her part. The fake Native American who wants to become president had to apologize because she was caught lying about her heritage — again — after the Washington Post published a copy of a registration card she signed in 1986 for admittance to the Texas bar on which she identified her race as “American Indian.” As I said, it was a great week to just sit back and laugh. Curtis Honeycutt is a nationally award-winning syndicated humor writer. Connect with him on Twitter (@curtishoneycutt) or at curtishoneycutt.com. another view my view Trump makes predatory lending great again H ere’s another reminder that, when it comes to the Trump administration, it’s more important to watch what the White House does, rather than what it says. The payday lending industry scored a huge win this when the U.S. Consumer Financial Protection Bureau proposed to weaken Obama-administration rules governing an industry that makes its money by exploiting people in desperate financial straits. That’s pretty much the exact opposite of what the agency was created to do. But, hey, this is Donald Trump’s Washington. Payday loans, sometimes known as paycheck advances, are short-term loans that you have to repay by the time you get your next paycheck. As the online news site Mic.com reports, lenders charge prospective borrowers — who usually can’t get a loan anywhere else — a fee plus punitive interest. Though they offer the lure of quick cash, the loans are really a debt trap. According to research by The Center for Responsible Lending, the APR offered by some payday lenders can range from a crushing 533 percent to 792 percent. Those are rates only a loan shark could love. As The Washington Post reports, under the Obama-era rule, which was to take effect in August, lenders were supposed to make sure that borrowers could afford the loans they’re being offered. But as the Post notes, the latest proposals would lift that requirement and delay the rule’s implementation until 2020. The industry had been lobbying officials to get the rule reversed. And when those efforts failed, they got to work on winning over new CFPB boss Kathy Kraninger, a Trump appointee who took office last December, the newspaper reported. year’s legislative session. But there’s every reason to expect the issue will be re-litigated during the new legislative session that started in January. And as the recent push at the federal level shows, the industry is tireless when it comes to trying to advance its interests. That’s bad news for consumers, one advocate says. “The CFPB is proposing to unwind the core part of its payday loan rule - that the lender must reasonably assess a borrower’s ability to repay before making a loan,” the bureau’s former director, Richard Cordray, posted on Twitter this week. “It’s a bad move that will hurt the hardest-hit consumers. It should be — and will be — subject to a stiff legal challenge.” Some in the industry, however, believe the proposed rule change doesn’t go far enough, The Post reported. A top executive with one of the industry’s largest trade groups, The Community Financial Services Association of America, told The Post the rule should be repealed entirely. It’s eternally easy to get lost in Trump’s bluster — to be outraged by his latest bullying Tweet or baldfaced televised falsehoods. But it’s in the nuts-and-bolts of policymaking, in the White House’s ongoing efforts to undermine government institutions that the 45th president is doing the most damage. And, as ever, it’s those who are cheering the loudest for him that will end up suffering the most. JOHN MICEK If the Post’s reporting is any indication, the effort appears to have worked. “The bureau will evaluate the comments, weigh the evidence, and then make its decision,” Kraninger said in a statement released to the Post. If this effort pays off, it will be a huge win for payday lenders, who have ridiculously claimed they’d face financial ruin if they’re required to actually make sure people can afford the loans they’re taking out. Among the real losers here, ironically, are those MAGA-hat-wearing Trump loyalists in Rust Belt states who can least afford to afford the mafia-level interest rates. Last year, the industry tried to convince Pennsylvania’s Republican-controlled House of Representatives to approve a bill that would have opened a massive loophole in the state’s very strong safeguards against predatory lending. The bill would have allowed payday lenders to pose as “loan brokers,” which would have allowed them to get around interest rate caps and charge unlimited fees to borrowers. Among those who would have been hit were the veterans that Trump professes to love so much and vows to protect during his hockey stadium rallies. Active-duty soldiers are already protected from such practices under a federal law that caps interest rates at 36 percent annually. The loan-broker bill never cleared a critical Pennsylvania House committee. And it died at the end of last John L. Micek is editor-in-chief of The Pennsylvania Capital-Star in Harrisburg, Pa. Email him at [email protected] and follow him on Twitter @ByJohnLMicek. Check out our website at www.ivpressonline.com

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