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To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL), with 36–40% APR generally the norm.
There are many different ways to calculate annual percentage rate of a loan. Depending on which method is used, the rate calculated may differ dramatically; e.g., for a $15 charge on a $100 14-day payday loan, it could be (from the borrower's perspective) anywhere from 391% to 3,733%.
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Territory teachers set to vote on latest enterprise offer
It can even lead to the retention of more pupils. That's why even if teachers say they oppose such changes, there will still be opposition in some of England's biggest local authorities.
The proposals involve scrapping the free education system entirely and replacing it with a levy - either a flat fee or a percentage of the total pupil spending. The aim of the levy would be to raise the money needed to fund the improvement of the schools.
It will have the effect of increasing local authority finances to meet the cost of improving local schools or districts. It could be very difficult for schools to justify not having sufficient funds to ensure there are enough primary places for all pupils from under-funded areas to be qualified to be in those schools.
We estimate that under this scenario, the amount local authorities could invest in improving school quality, combined with the improvements being made, could add up to a substantial sum and that the current school funding is working.
The impact on other funding
It has been estimated that the levy would increase the income of parents by 3.5%, particularly when the overall burden of care of pupils is assumed to fall by 0.5% with more local authorities taking charge of improving the quality of schools in their local areas. This could lead to higher costs being allocated to local authorities with lower income and therefore potentially greater pressure on local authorities to fund those who can afford it.
However, the overall impact on the wider economy is minimal. The levy would not significantly impact on job search and employment and the main effect is on the cost of funding other local authorities that benefit from the school improvement system. In fact, this may be the biggest benefit.
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Alp rejects costings claims. "The current plan is actually very complicated," she says, citing that it would "take a few years to negotiate such a huge cost change that might seriously harm investors."
"A lot of people make really big statements about how they're going to come up with ways to fund investment in health care. And yet, I don't think any of them really make any promises about how much it will cost," says Alp.
"We're very interested in being able to have a conversation about how you would fund all that innovation," says Sheehan. "We know, given our existing resources, that there is no way to fund this through any public funding, but we've put in a lot of private cash and we're not going to let people make decisions about how the money is spent."
So, in the meantime, some hope that the public will decide whether healthcare is really for everyone or whether those with low to moderate incomes and those with health insurance premiums high enough that they would get sick or who would need costly medical care do so through the private health care industry.by Vernonkit at 2020-05-23 20:43:24
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