Christians Say Predatory Payday Loans Are Sinful

sinful-loansLike all other parts of US, people living in Illinois also seek financial help from time to time. Illinois loans are granted to people working in different sectors of like according to their financial standing and needs. Student loans are quite common in Illinois. People who plan to acquire professional education from reputed institutions approach financial institutions to get monetary help. However, if you are someone who has come to US as a foreign student, the conditions would definitely change for you. For instance, foreign students who get financial help for studying are not allowed to work on a full time basis. They can only work part time to cover their basic expenses. There are some conditions that allow students to pay off a portion of their financial help amount while studying. Through the interest payment option, students can pay off the interest that is being applied on their loan sum. The deferred payment option is used by most international students in Illinois loans.  When they use this option, they can start their payments six months after the they have completed their degree. It is obvious that they need to get a proper job after they have completed their degree. Once they complete a degree, the loan payments start getting deducted.

Apart from financial assistance for studies, Illinois loans are also granted for automobiles. People who wish to buy a new car can get monetary help and buy a better vehicle. Every financial loan has its own repayment terms. Your monthly installment would vary with the advance payment or down payment made along with the loan tenure as well. The longer the tenure, the less would be the monthly payment. Some people do not want to get financial assistance for a long time period. Thus, they apply for financial assistance with short time span.  Before getting financial assistance for automobiles, studies or any other purpose, you need to go through the terms and conditions of the company. Not going through the terms and conditions can create problems for you.

A lot of Christians say Predatory Payday Loans Are Sinful. There are religious conflicts when it comes to payday loans. Various Christians say Predatory payday loans are sinful. This is because according to them, taking profits or extra payments from borrowers is a negative deed. In accordance with this belief, borrowers are people with weak financial standing. Getting profits from them is taking advantage of their weak condition. In a business sense, this belief is not treated at a very high level. It is obvious that financial firms would not provide services if they are unable to generate sufficient profits. If a company is granting money and not getting any extra payments on that grant, the company would not earn anything out of this. Financial companies offer monetary help so that the people who need money can get their problems solved and these firms earn by getting higher payments.

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Illinois Changing Legal Smoking Age to 21

By 2016, most people are pretty much aware of the dangers involved in cigarette smoking. Although the country might never see cigarettes actually become illegal, many people are fighting to end the sale of tobacco products. One way that the state of Illinois might do their part is in raising the legal age in which one could purchase and smoke cigarettes. Currently, if you are 18 or older you can purchase cigarettes throughout the state, however Senator John G. Mulroe has developed a proposal which would increase the legal age to 21.

 

Reasons for age increase

Mulroe and other health advocates spoke out about the possibility of increasing the legal smoking age. Reasons given for the change include the obvious reason that smoking is deadly, and would prevent younger adults from purchasing tobacco products. Smoking is also extremely expensive, especially in the Chicagoland area, with prices of cigarettes ranging from $8-$14. Not only is smoking expensive to the individual buying a pack every day, it is expensive for the state.  Mulroe stated that $5 billion is spent annually in Illinois to treat smoking-related illnesses, and $2 billion comes from taxpayer Medicaid funds. The final reason for increasing the age is because research shows individuals who do not smoke before 21 will likely never start smoking.

 

Smokers agree with the change

Mulroe claims that many current smokers actually believe raising the age to 21 for purchase of tobacco products is a good idea, especially since several of them wish they themselves never started smoking. Once you start, you become addicted and it is so hard to quit. Individuals who do not smoke and don’t object to others smoking haven’t really made much of a fuss regarding the issue, as it doesn’t really relate to them. Not everyone agrees that raising the age to 21 would actually be a good idea.

 

Individuals against raising the age

There are others who believe that in raising the tobacco purchase age to 21, Illinois would be restricting personal liberties of adults. If they can join the military, live on your own, and are required to pay taxes, then you should be able to purchase tobacco products at 18. This is the same argument that tends to come into play when discussing a lower age to purchase alcohol. However, many believe that if an 18 year old still wants to smoke a cigarette, even with all of the health issues it may cause, then they have the right. If Illinois changes the age to 21 for the sale of cigarettes, what will they take away next?

 

Not always right and wrong

Some people just look at the change as right or wrong, and it shouldn’t be seen that way. The proposed bill is not about taking the rights away from young adults, but rather providing them with the opportunity to never pick up the habit of smoking to begin with. Mulroe said that the bill would apply to the sale, purchase, and possession of all tobacco products. This would also include the popular e-cigarettes, which have been found to be just as dangerous a regular cigarettes.

 

We will have to wait and see if the bill is passed to see what kind of outcome would occur with an increased tobacco age.

 

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Illinois At Low Risk for Zika Virus

As the CDC begins to learn more about the Zika virus, it seems as though residents in the state of Illinois are at low risk for contracting the virus. Even though Illinois residents who do not plan on traveling to Central or South America are at a very low risk, they still need to be aware of virus.

 

What is the Zika virus

The Zika virus has been around for years, but an outbreak began in Brazil close to a year ago, and has become an issue throughout South America. Although symptoms only last a couple of days and present like the flu, the major concern is for pregnant women. The Zika virus can cause severe birth defects including giving birth to babies with smaller heads and brains. There have been three known cases of the Zika virus by Illinois residents, however all three of these individuals did travel out of the country.

 

Zika mosquito transmission

Why might the Zika virus be lower in Illinois than in other parts of the United States? This is largely due to the type of mosquito that transmits the Zika virus. Researchers have found that the aedes aegypti mosquito is the primary carrier that can transmit the Zika virus to humans. This type of mosquito has rarely been found in the state of Illinois, likely due to the fact that it cannot survive the harsh winter weather in the state. Before this species could grow large enough for an outbreak, the weather would change, killing them off throughout the area. Research is stilling be completed to determine if another mosquito species, the aedes albopictus, can also transmit the Zika virus which can live a bit longer in Illinois.

 

What has kept the outbreak going in South America

Unlike the United States, several South American countries have a hard time trying to control the mosquito population. In Brazil alone, the government has enlisted the help of soldiers to provide residents with understanding where mosquitoes breed and how to eliminate these locations. For example, mosquitoes are attracted to standing water, which makes a great breeding ground. Screens on doors and windows, as well as insect repellent are not widely available to residents of these countries, which is why the outbreak has become so severe.

 

How Illinoisans might contract the virus

The CDC has been working hard to urge pregnant women not to travel to any South American countries. Although the Zika virus is low for the state of Illinois, it can be more prominent in the Southern United States. This is also risky as pregnant women tend to travel throughout the United States more often than actually going out of the country. Currently at the North Shore Mosquito Abatement District, crews are being trained to spot what the aedes mosquito looks like in order to use specialized traps to collect them. Executive Director, Roger Nasci, said that this can help the United States to control, manage, and eliminate the mosquito population responsible for spreading the Zika virus.

 

The United States has done a lot to combat the problem of the West Nile virus. Do you think they will be successful in keeping the Zika virus from spreading in the United States? Let us know below.

 

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$2 Million Bail Set for Illinois Man Who Allegedly Burned Girlfriend’s Baby in Scalding Hot Bathtub

The extraordinarily high bail amount came from Cook County Judge Peggy Chiampas after she saw graphic photos of the baby’s burned body. The man’s relatives cried out in court when the bail amount was announced, but Judge Chiampas was unmoved, saying, “I understand, but we can’t have this.”

 

Suburban Chicago Man Charged With Severely Burning Infant Child

 

Michael Barber, 24, of a south Chicago suburb has been charged with aggravated battery to a child due, possibly due to negligence, and is due back in court this week. Barber is being held at Cook County Jail on a staggering $2 million bail after the alleged incident that occurred last week near Chicago.

 

The 1-year-old baby boy was under the care of his unidentified mother at the time. While the baby normally resides with his father, his mother takes care of him on the weekends. So it’s unclear as to why the mother was watching the baby that particular day: a Wednesday.

 

The boy’s mother left the house to go to work, leaving the baby in the care of her boyfriend, the accused Michael Barber. Barber was giving the boy a bath around 8 a.m; around the time that the mother left for work, in their shared apartment in Harvey.

 

Mother’s Boyfriend Left in Charge of Bathing the Baby, Resulting in Serious Injuries to Child

 

Barber had the water turned on to an alarmingly hot degree, and the baby suffered from second- and third-degree burns to his feet, buttocks and genital area as a result, according to prosecutors. Photos of the boy’s injuries also reveal what look like bite marks or small cuts on his lower stomach, although it’s unclear what caused them or when those injuries happened.

 

After Barber had put the baby in the too-hot bath, he turned away to grab a towel. When he turned around to remove the boy from the bathtub, he found the baby face down in the water and unresponsive. According to neighbors and police reports, Barber grabbed the boy from the bathtub and ran screaming for help. He found a neighbor who is a certified nursing assistant, who helped him resuscitate the baby with CPR.

 

The child was rushed to the nearest Illinois hospital, where he was treated with skin-graft surgery to repair the burns. It’s unclear if the child is back with his father, or if he’s been placed in child protective custody for the time being, but he’s still recovering from his burns and skin-graft surgeries.

 

The boy’s mother was not in the courtroom at the time of Barber’s bail hearing, and it’s unclear as to whether or not she’ll be charged with negligence as a result of the incident. She may be removed from her weekend parental custody rights.

 

The disturbing images of the child’s burned body prompted Judge Chiampas to set Barber’s bail at an extremely high $2 million, which garnered the attention of national news.

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$2 Million Bail Set for Illinois Man Who Allegedly Burned Girlfriend’s Baby in Scalding Hot Bathtub

The extraordinarily high bail amount came from Cook County Judge Peggy Chiampas after she saw graphic photos of the baby’s burned body. The man’s relatives cried out in court when the bail amount was announced, but Judge Chiampas was unmoved, saying, “I understand, but we can’t have this.”

 

Suburban Chicago Man Charged With Severely Burning Infant Child

 

Michael Barber, 24, of a south Chicago suburb has been charged with aggravated battery to a child due, possibly due to negligence, and is due back in court this week. Barber is being held at Cook County Jail on a staggering $2 million bail after the alleged incident that occurred last week near Chicago.

 

The 1-year-old baby boy was under the care of his unidentified mother at the time. While the baby normally resides with his father, his mother takes care of him on the weekends. So it’s unclear as to why the mother was watching the baby that particular day: a Wednesday.

 

The boy’s mother left the house to go to work, leaving the baby in the care of her boyfriend, the accused Michael Barber. Barber was giving the boy a bath around 8 a.m; around the time that the mother left for work, in their shared apartment in Harvey.

 

Mother’s Boyfriend Left in Charge of Bathing the Baby, Resulting in Serious Injuries to Child

 

Barber had the water turned on to an alarmingly hot degree, and the baby suffered from second- and third-degree burns to his feet, buttocks and genital area as a result, according to prosecutors. Photos of the boy’s injuries also reveal what look like bite marks or small cuts on his lower stomach, although it’s unclear what caused them or when those injuries happened.

 

After Barber had put the baby in the too-hot bath, he turned away to grab a towel. When he turned around to remove the boy from the bathtub, he found the baby face down in the water and unresponsive. According to neighbors and police reports, Barber grabbed the boy from the bathtub and ran screaming for help. He found a neighbor who is a certified nursing assistant, who helped him resuscitate the baby with CPR.

 

The child was rushed to the nearest Illinois hospital, where he was treated with skin-graft surgery to repair the burns. It’s unclear if the child is back with his father, or if he’s been placed in child protective custody for the time being, but he’s still recovering from his burns and skin-graft surgeries.

 

The boy’s mother was not in the courtroom at the time of Barber’s bail hearing, and it’s unclear as to whether or not she’ll be charged with negligence as a result of the incident. She may be removed from her weekend parental custody rights.

 

The disturbing images of the child’s burned body prompted Judge Chiampas to set Barber’s bail at an extremely high $2 million, which garnered the attention of national news.

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Suburban Chicago Woman Accused of Killing Her Husband via Poisoned Smoothie

After more than 31 years of marriage, a suburban Chicago woman, Julia L. Gutierrez, has been accused of her putting poison in her husband Eduardo’s smoothie in an attempt to kill him.

 

‘Temazepam’ Insomnia Sedative Placed in Smoothie During Attempted Murder-Suicide

 

Both 53 years old and living in Geneva, Illinois outside of Chicago, investigators say that Mrs. Gutierrez was evidently planning on taking her own life with Temazepam, the same prescription pills that she was planning on killing her husband with. Temazepam is a prescription medication used to slow down brain activity as an aid to chronic insomnia.

 

Eduardo Gutierrez Found Dead Upon Police Arrival, Julia Gutierrez “In Need of Medical Assistance”

 

When officers arrived on the scene for a welfare check at the Gutierrez home on the first block of Crissey Avenue in Geneva this past Thursday evening, they found Mrs. Gutierrez “in need of medical assistance” after she had ingested the Temazepam herself, while Mr. Gutierrez was already dead when officers arrived. Toxicology reports on Mr. Gutierrez are still pending, but they will be able to exactly confirm the cause of death; possibly neurological, cardiac arrest, or his breathing was halted by the drug. The exact cause is yet to be determined.

 

Quiet Community Rocked By the First Homicide in Over 39 Years

 

According to police reports, Mrs. Gutierrez mixed the Temazepam into her husband’s smoothie and gave it to him before ingesting the pills herself sometime between January 26th and January 28th. The welfare check occurred on January 28th, so it’s possible that Mr. Gutierrez had been dead for some time, and Mrs. Gutierrez had been incapacitated by the drug, as well.

 

Geneva, Illinois hadn’t experienced a homicide in the area in almost forty years until Mr. Gutierrez’s murder. Neighbors told local media that the Gutierrezes were well-liked; Mrs. Gutierrez would share vegetables and produce from her backyard garden, and Mr. Gutierrez would by do odd jobs for families in and around the quiet Geneva neighborhood.

 

Details Surrounding the Murder Are Still Unclear, Suspect Faces Up To 6 Decades in Prison

 

The motive behind the attempted murder-suicide is not yet known, nor is known if there are any children or close surviving family members left behind by the couple. An obituary for the committed Seventh Day Adventist did not list any children for the couple. If convicted, Julia Gutierrez could face up to 60 years in prison for first-degree murder, according to Kane County prosecutors.

 

Mental Illness May Be a Factor in First-Degree Murder of Eduardo Gutierrez

 

Julia Gutierrez’ mental stability will play a significant role in the court proceedings to follow. She’ll likely be placed on suicide watch for the time being, given her recent attempts to end her own life along with her husband’s. She’s scheduled to appear in bond court this week, and more details about her possible conviction will be released at a later date. The full hearing has been moved to Wednesday morning, following her previously scheduled bond court hearing on Tuesday.