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Greed and Usury and Capital One

  In America we have some greedy bankers and credit card companies.  For example, the interest rate is about zero percent.  That means the banks don't pay interest.  And then I received notification from my credit card company, Capital One, that despite my paying my credit card on time for the last five years, they are raising the interest that they charge me to 18% interest.  Among the common people they are called "loan shark" and among the sophisticated excessive interest is called usury.  When inflation is at 3% and they charge me 8%, that could be considered a fair profit.  But now that inflation is zero and the gov't charges 0% interest rate and Capital One charges 18%, they have now transformed themselves into a loan shark.  Eighteen percent rate means that if I owe them $3,000, they would collect $540/year in interest.  That is simply immoral. 
  The Bible has this to say.  In Exodus 22:25:  "If you lend money to one of my people among you who is needy, do not be like a moneylender; charge him no [excessive] interest."  And in the New Testament, in the Golden Rule, Jesus Christ said "Do unto others as you would have them do unto you." and "Love your neighbor."  How Capital One can look at themselves in the mirror and say they are doing what is fair and right is beyond me.  They must have no conscience.
  I remember in the late 1970s when due to inflation rate being around 9%, home loans were at 12.5% interest.  But with zero inflation, Capital One is simply an immoral company.  I understand they need to make a profit, but the profit must be fair.

God, Man, and Flight

   Last week I took my two youngest sons to the National Air and Space Museum, Steven F. Udvar-Hazy Center near the Dulles airport.  It was a fascinating museum - well over 100 airplanes there.  Some were huge, like the Concorde and the Enola Gay, a B-29 airplane from WWII.  Some were tiny - the pilot could barely fit in them and they were no higher than three feet off the ground.  Some, like the SR-71, were large and fast, and others, like some of the gliders and para-sails, were for one man.
   What was fascinating was to see how man strives to fly - from the earliest cloth ballons, and then to little wood planes, to monster transport planes.  The goal to fly has been with man for thousands of years, and only in the last one hundred years have we attained the ability to fly.
     And then I think of how God created millions of birds and they fly every day - from the dainty hummingbird to the large eagles. We see butteflies, and little sparrows, and owls.  Not only do they fly everyday without polluting the earth, but there are millions of them and they reproduce.  I see the planes and realize that none of them reproduced.  They all have to be maintained, and cared for, and those that are not are sent to the graveyard.
  What a wise and powerful God we serve.