PERSONAL FINANCE

Thou Shalt Not Steal?

The surprising correlation between payday lenders and conservative Christians.

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  • Posted By: Brewer314 @ 02/16/2009 3:48:15 PM

    Maybe the authors simply confused cause and effect during their analysis. It is every bit as valid to suppose that using payday loans causes people to become more religious. Please God, get us out of debt.

    In fact, what is most likely is that both observed effects are tied to a completely different factor, namely lower average incomes. Always remember; statistics don't lie, statisticians do.

  • Posted By: Denihilist @ 02/16/2009 5:24:14 AM

    I would think they might find more scientifically relevant data if they considered average income, indebtedness, and/or other relevant fiscal factors to indicate an actual correlation. Does this trend they supposedly found indicate that less "religious" people have less need of loans? Do those in states not marked red have fewer debts? You cannot separate traditional credit card, and other debt from payday loans as if they are entirely different. While their numbers may have validity, I find their methods and probable intentions suspect (both the author of this article and the "scientists" that created the study.

  • Posted By: anamericanfriend @ 02/22/2008 7:27:37 PM

    Wake up America, the point of the article is that conservative Christians have been exploited and cynically used by the corporate globalist neocons who control the Republican Party.

    • Posted By: ZappoDaClown @ 02/16/2009 2:55:52 AM

      That's simply not what the title is suggesting. And if you read these comments, you'll find fodder for them not to think any clearer about it. Want to bash some Christians, here's a good place to do it.

    • Posted By: kidmm @ 02/25/2008 2:41:49 PM

      I'd have to agree; the article isn't an attack on poor rural Christians, it's an attack on the corporate vultures who've taken shameless advantage of the poor rural Christians.

      "Vote for me," they said, "and I'll squash gun control laws and make sure that homosexuals don't seduce your children and make them have abortions. Oh, and while we're at it, could you do me a favor and vote for my bill that deregulates the lending industry in your fine, God-fearing state?"

  • Posted By: ZappoDaClown @ 02/16/2009 2:33:08 AM

    I can't say how offended I am by this article...there are no words. Have they even considered that Christians are pretty trusting, wanting to believe the best of their fellow man (which this article surely proves WRONG) rather than suggest, as the title does, that Christians OWN these lender places and are bilking poor, hardworking Americans out of their last dollar. This is very shocking, very offensive, and I'm just plain appalled by the lack of judgment on Mr. Enright's part and Newsweek to publish such utter garbage.

  • Posted By: ZappoDaClown @ 02/16/2009 2:30:34 AM

    I think they're time would be better spent studying the correlation between keno shops, fingernail boutiques and cigarette stores....in every strip mall you'll find all three. Coincidence? I saw nay.

  • Posted By: The_epoch_point @ 05/20/2008 10:44:45 PM

    It's about time everyone takes another look at Abraham Lincoln and all the other anti-communists like Ronald Reagan and Joseph R. McCarthy. After all it was a Marxist Lee Harvey Oswald and a communist Sirhan Sirhan who knocked off the Kennedy Brothers. Now check out this awesome book I just read at Amazon.com!

    The Epoch Point by Spencer Zimmerman is a religious historical conspiracy thriller that follows evil throughout the existence of mankind, revealing the constant conflict between God and the devil, good and evil. Robert Davis is a young Airman fresh out of Air Force basic training who, after being held captive in China, suddenly finds himself unraveling the most immense conspiracy in history. On duty during the 9/11 terrorist attacks, he soon uncovers hidden facts suggesting Russian and Iraqi involvement. While exploring abandoned military barracks at Kessler AFB in Mississippi, Davis and his friends discover the diary of Lee Harvey Oswald. Suddenly the Airmen find themselves the target of mysterious agents. As the clues surface, an evil emerges powerful enough to rewrite the entire history of humanity, not to mention kill two of his good friends. Before long the conspiracy takes on a supernatural form, marked by lightning, tornadoes, hurricanes, and volcanoes, the wrath of God. Davis finds himself torn by the unbelievable realization that God has a message for him. Nothing could prepare him for the final suspenseful twist the story takes, a Da Vinci style revelation that reaffirms his belief in Christ.

    here's the link:

    http://www.amazon.com/Epoch-Point-Spencer-Zimmerman/dp/1934248932/ref=sr_1_1?ie=UTF8&s=books&qid=1210731193&sr=1-1

  • Posted By: C. MacLean @ 03/11/2008 11:58:19 AM

    Are we really surprised? Most evanelical conservatives are about removing big government from people's personal live - except of course, for a women's uterus, and an umarried couple's bedroom. Conservatives claim they want smaller government, less oversight, more freedom for business.

    But what that translates into every time is more greed, and more ways for the rich to get richer and the middle class to become poorer.

    Deregulate the bankers and you get a Savings and Loan crisis. Deregulate the mortgage industry, and you get predatory loans. Cut welfare and you get more children living in poverty. "Less government" is just a euphemism to rob and extort.

    I'm am totally unsurprised that predatory lending is most common in states with a conservative evangelical majority in the legislatures. They are also the states that spend the least on education, health care for the poor, and the most on prisons and "law and order."

    Jesus would be appalled.

    • Posted By: MatchesMalone @ 04/15/2008 8:15:50 PM

      If we're talking about Jesus being apalled, then we probably shouldn't mention that hooker you bludgeoned to death with a paper weight last Tuesday...

      I'm just sayin'...the Almighty tends to frown upon such things.

  • Posted By: donco6 @ 02/28/2008 5:53:06 PM

    This is news? "Christian" has been another name for "crook" for many, many years.

    • Posted By: MatchesMalone @ 04/15/2008 8:13:00 PM

      Just as "donco6" has been mentioned in the same breath as "donkey-raping-baby-cannibal."

  • Posted By: astounded @ 02/26/2008 10:49:17 AM

    And who knows, these institutions may actually like to work with honest people that intend to pay them back.

    • Posted By: William.Demuth @ 02/27/2008 10:39:26 AM

      So do heroin dealers.

      • Posted By: MatchesMalone @ 04/15/2008 8:10:00 PM

        Heroin dealers? Herion dealers? Huh?...oh...hey...I just thought I heard someone mention...um...nevermind...

  • Posted By: god/exist @ 02/26/2008 1:04:34 AM

    I think that Christian conservatives represent a large and crappy part of the population. I hope they all go broke at payday loan stores.

    • Posted By: MatchesMalone @ 04/15/2008 8:09:09 PM

      And I hope your mom dies of cancer of the eyes. How do you like them apples?

  • Posted By: ed.mulligan @ 02/25/2008 3:17:52 PM

    Right wing churches and payday lenders are about the same--they both take advantage of ignorant people.

    • Posted By: MatchesMalone @ 04/15/2008 8:07:42 PM

      Ignorant people like Ed Mulligan here. You a commie, Ed? We don't like commies around these here parts.

  • Posted By: emmarcee @ 02/22/2008 6:39:09 PM

    OK, It is another "rats" type of journalism. I am so disgusted with these liberal attacks on anything that is aginst their agenda. Keep irritating people till they burn your stupid Neesweek. WHY ARE YOU PEOPLE FEEDING US YOUR OPINION ALL THE TIME.? DO YOU THINK WE CANNOT THINK BETTER THAN THESE DIME A DOZEN JOURNALISTS? How about this, could it be because thse "evil Christian" areas may be financially depressed? How could you connect the fact that thse people are having financial problem to the fact that they are "Christians". Let me tell you, may be these low class Christians should mob the media moguls a nd Hollywood rich people. People , keep voting for Obama, the liberal Messiah.... YOu KNOW What , today I have turned into a Republican, Good luck with General election.

    • Posted By: Braes @ 02/25/2008 2:00:08 AM

      Did the Republicans give you your 30 pieces of silver?

      • Posted By: MatchesMalone @ 04/15/2008 8:05:35 PM

        Yep. And I spent it on hookers and blow...Yessir. Hookers and blow.

    • Posted By: IslandNation @ 02/26/2008 2:29:27 AM

      How is this an attack on poor rural Christians? Is it not a comment that the most predatory lending practices exist in these areas in the bible belt, exploiting said poor Christians?

      If Christ expelled the money lenders, which led to a thousand years of banning usury by the Christian Church, than why would not a fine Christian leadership work to legislate against the exploitation of the Christian faithful by these practices?

      Or is it they that prosper?

  • Posted By: aiene @ 02/22/2008 2:17:49 AM

    "I think it's obvious." That is a very loaded opinion with only vitriolic stereotypes to attempt to support it.

    • Posted By: MatchesMalone @ 04/15/2008 2:41:31 PM

      Yeah, I hate stereotypes. They're just like all Asians...they stink.

  • Posted By: Liberal Mom @ 02/21/2008 10:53:55 PM

    To me, the point is that payday lenders are corrupt and take advantage of people and so are conservative Christians.

    • Posted By: MatchesMalone @ 04/15/2008 2:40:38 PM

      To me, the point is that moms (ESPECIALLY liberal ones) should stay home, mind the children and clean house.

      Now go make me a sandwich.

  • Posted By: myearth @ 02/21/2008 5:28:11 PM

    Yes, but you go where you can make the most money and that happens to be in areas dominated by conservative Christians, who are frequently the most hypocritical people in the world.

    • Posted By: peter.hayden @ 02/21/2008 5:35:17 PM

      You sound like a bigot.

      • Posted By: MatchesMalone @ 04/15/2008 2:38:27 PM

        myearth isn't a bigot...

        ...but I am.

      • Posted By: myearth @ 02/21/2008 5:42:16 PM

        Nope, just spent all my life in a Christian conservative community. The majority are great people, but compared to most people I know, a large percentage of them talk the talk but don't walk the walk. All the leaders who have been found to be involved in hanky panky in the last 20 years are very much like the people I know. Party on Saturday night, have affairs, cheat and then condemn it on Sunday morning.

  • Posted By: metrologist @ 04/01/2008 11:53:56 PM

    In Los Angeles there are thousands of churches, and high rates of crime. In Nome Alaska, there are only a few hundred churches, and a low crime rate. Therefore we must assume that Churches cause crime. That is if you follow the logic of this story.

  • Posted By: MountainEarth @ 03/06/2008 4:53:21 PM

    Of course there's a corrolation, but its not because conservative or evangelical Christians or Mormons approve of, or frequent this kind of business. Its because these groups also tend to be opposed to government intrusion, oversight or limitations on what they view as "free market' and/or private property matters. That would include any government limits on payday lenders. And there are many places around the nation where these groups over decades have succeeded in rolling back various government oversights. That they have been used as pawns by corporate America to strip power from government and put it squarely in the hands of big business and their money lenders is another matter altogether.

  • Posted By: bronwynmillar @ 03/06/2008 3:03:15 AM

    i've been screwed over in business by too many christians. when i'm doing a deal with someone and they start blithering on about jebus i run a mile in the other direction. i'm afrais for me reborn = lobotomised by christ.

  • Posted By: open skies @ 03/03/2008 12:05:10 AM

    These professors need to find real jobs, ones that don???t steal from US taxpayers and university supporters. Their superior leftist bias is clearly showing, and Newsweek shamelessly advertises this non-story as a ???surprising correlation.??? They try to wash their hands of leading foggy-headed Christian-bashers to the conclusion that those Christians are thieves, but their ???research??? is only a string of holes, lacking any evidence of trends at all. Look at their map, critically, and notice how many states do NOT exhibit this purported correlation at all: NV, OK, AR, TX, VA; plus GA, WV and NC, where even tho there are lots of conservative folks, payday lending is illegal. IF this map actually did show any correlation, I would suggest that highly Christian states are more likely to value personal rights over government intrusion, so those states have fewer regulations of all kinds. Possibly an actual correlation might be found between these states and any form of restrictive regulation. That does not make those people stupid or thieves, by the way, just patriots who value freedom.

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