*State Veterans Legislative Update 9 April 2016:

My next State Veterans Legislative Update, if it is needed to address any last minute shenanigans to get SB 1316 S/E approved, will include a paragraph in the draft Email to be sent to our State Senators similar to that shown below.. Please try out the process outlined in the paragraph and let me know if you have any problems with it..


Gene Fenstermacher

[email protected]

(520) 3787-1471 



Draft paragraph:


And if you are interested, you can click on: http://www.webmath.com/amort.html (or copy and paste it in your browser) to enable you to calculate the details for any size APR loan. At that location, insert the following loan details:: What is the amount of the loan?; What is the duration of the loan (in years)?; how many payments per year are there? (and note, that’s payments per year, not the total number of payments over the term of the loan)and What is the annual interest rate? (in a percentage) (and that’s the annual percentage rate – APR, not the interest per month rate). Then click on: “Show me the loan payment schedule” to see the details. After doing a calculation at a proposed predatory lending rate, for comparison, check out that loan at 36% APR, the max allowed under Federal Law.