*State Veterans Legislative Update: 4 May 2016: I’m Asking for Your Vote

While SB 1316 S/E was put on the Senate agenda today with less than about an hour’s notice, it didn’t come up for a vote, possibly because the sponsor was unable to line up enough votes to pass it (and pulled it from the agenda?) possibly do in part to our petitioning. If it comes up again tomorrow and passes in the Senate at a session that is scheduled to get started at 0830, it will then go to the House for a final vote 


Please consider sending the abbreviated draft message at the end of this Email to all Arizona State Senators and Representatives this evening or early tomorrow to again remind them of our concern.


NOTE: The draft message has a the very long internet link :  http://www.calculator.net/amortization-calculator.html?cloanamount=2500&cloanterm=1.5&cinterestrate=156&printit=0&x=70&y=13  that  may appear in two parts in a reduced screen view as it may also appear in your view now. So be advised that it is one continuous link with no spaces. You can click on any portion of the link


Email addresses with Semi-colons for members of the Arizona Senate:

[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];


Senate Addresses With Commas:                                                                                                              


[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],



Email addresses with Semi-colons for members of the Arizona House of Representatives:

[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];  [email protected][email protected];  [email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected];



House Addresses With Commas:
[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected],, [email protected][email protected][email protected][email protected][email protected][email protected][email protected],[email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected][email protected],



               You might want to print this Email now to have the instructions below 

                                     available to facilitate using this process.

Guidance for processing and sending your Email(s).

When you are ready to forward the Message at the end of this text to all State Legislators:


  1. Click on “Forward”from this message. (Note: Clicking on “Forward” does not send the message. It only sets it up to complete the processes below before hitting “Send”).
  2. Then delete all of the Subject line in your new message except for: ‘ I’m Asking for Your Vote ‘
  3. Edit the message that appears just below the blue line below if desired, and enter your name (and retired Rank if you are a Military Retiree) after the word ‘Respectfully‘. Enter your address if desired, but that might tend to make some Legislators or their staff to delete your message before they read it if you are not a constituent. Consider just adding something like ”Concerned Arizona Veteran” or other phrase of your choosing after your name.  If you are a constituent of one of the Legislators, in addition to sending this Email to all of them, please consider calling their offices with your concerns. Go to or click on www.azleg.govhere. At that site, click on ‘Senate’ or ‘House’ and then on ‘Members’ on the drop down menu) to find their phone numbers.
  4. Copy the above Email addresses with Semi-colons (e.g., high light the addresses of all 30 Senators and then hit ‘Ctrl’ and ‘C’ simultaneously), and paste it on the Bcc: line (put your cursor on the Bcc:line of your new message and then hit ‘Ctrl’ and ‘V’  simultaneously. Then repeat the process in the same message or in a separate message for the State Representatives


If you have problems with your system not allowing so many address at one time, break the groups down into two or more groups for use in sending the messages.

And if your system rejects the use of Semi-colons separating the addresses, follow the above process using the groups of addresses separated by Commas as shown above.

  1. Now High Light the blue line shown below (place your curser just below the blue line) press down and sweep upward acrosseverything above it.
  2. Then hit “Delete” on your keyboard . That will leave just the Draft Messageand your name that now appears below the blue line as the text of your new Email.
  3. 7.Then when you feel comfortable that you have completed all the steps correctly, and have added your nameat the end of the message, you can hit “Send” to send your Email.


Draft Message



Dear State Legislator,


With no vote on SB 1316 S/E today (4 May) in the Senate, even though it was on a Final Reading Calendar, I again ask why you are planning to vote for SB1316 S/E if that is what you are planning to do in the Senate when and if it comes up again, or in the House if it gets there. And may thanks if you are planning to vote against SB 1316 S/E. Here are the main reasons why I am asking for your vote against SB1316 S/E, and encouraging you to ask your colleagues to do the same.


Changing the term for a loan from 24 months to 18 months and reducing the interest rate by a mere 2% per month, from 17% per month to 15% per month (180% APR) on an unsecured loan and from15% to 13% per month (156% APR) on a secured loan results in interest payments over the term of the loans that is unconscionable. That, for example, is nearly $4900 interest on an unsecured $2500 loan at 180% APR. That’s enough in itself to Vote NO on SB 1316 S/E when and if it comes up in a Final Reading.


Supporting SB 1316 S/E “Because it’s the right thing to do”, according to some of the leadership is not a suitable answerand makes one wonder why they are doing so. And it makes one curious as to why so many who are currently planning to vote for this bill have been so reluctant to speak out in support for the Bill,. Please vote your conscience and don’t let your name appear as one of those supporters of this predatory lending Billand encourage your colleagues to do the same.


Again, to enable you to see firsthand the usurious nature of these loans, below is a link where you can quickly and easily produce a ‘Monthly Amortization Schedule’ for any sized loan offered under this proposed amendment to SB 1316 S/E. They will all show that the total of the payments under the terms of this Bill will be nearly three times the amount of any size unsecured loan. Click on this link or copy and paste this link in your browser:




At that site, enter the “Loan Amount”, e.g., $2500; the “Loan Term” in years, e.g., 1.5, and the “Interest Rate (APR)”, e.g., !80% APR (15% interest per month times 12 months) for an unsecured loan. Then click on “Calculate” to see the “Monthly Pay”, e.g., the $407.97 monthly payment (that remains constant over the term of the loan) shown in the upper right hand corner of the screen. And at the location you will also see the “Total of 18 Loan Payments”, e. g., $7,343.38, and the “Total Interest” paid over the term of the loan, e.g., $4,843.38. Then scroll down to see the “Monthly Amortization Schedule” where you will see the monthly details, including the minimal first month principle payment that will have been automatically determined to be $32.97 vs. the $10.05 that you may recall (or can calculate at this link) was determined for a $2500 loan over 24 months at 17% interest per month (204% APR) that was authorized in the original Bill. And as usual, these disturbing details are not revealed in the text of amendment.