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Feeling the angst: Senate committee chair balances religious views, ‘hateful’ bills | Local News



BOISE – Sen. Fred Martin is frustrated.

He sent out surveys to his constituents to see what their top issues were. They returned postcards, pointing to property taxes, education, transportation and the sales tax on groceries.

“Not one constituent, and I’ve got hundreds and hundreds, maybe a thousand of ‘em, not one constituent indicated transgender students in high schools — not one,” he said.

Martin, R-Boise, is the chairman of the Senate Health & Welfare Committee. “I’ve been dealing with this issue for a year and a half,” he said, ever since he was appointed to the chairmanship.

Among his first experiences as chairman, he said, was hearing from the then-director of the Idaho Department of Health & Welfare, Russ Barron, that “he is under court order to comply with the judge’s ruling,” requiring Idaho to allow transgender Idahoans to change the gender markers on their birth certificates to match their gender identity.

Barron didn’t want lawmakers to do something that would send him and other H&W employees to prison, Martin said.

Martin, a faithful adherent of the Church of Jesus Christ of Latter-day Saints, didn’t like the idea of Idaho just letting anyone, including minors, change that gender marker at will, as long as they’ve got parental permission. That’s the current law in Idaho, after the court case.

“I believe that there needs to be an additional step for minors that they’ve got to go through, to think about what they’re doing,” Martin said, adding, “I’ve worked on the suicide prevention board for eight years now. … These adolescents that are not feeling fully a part of society, for one reason or another,” are at increased risk of suicide, he said. “Definitely those that are questioning their sexuality have a greater potential for suicide. This is to get them in to a medical professional.”

Martin worked with other lawmakers and H&W to craft a rule that would allow the changes, but add a requirement for a medical attestation for minors. That was in effect for about a year, but then the state Board of Health & Welfare discovered that its procedure for adopting that rule was flawed, so the state returned to the status quo: Minors can change their gender marker with parental permission; adults may do so without restriction.

“The status quo is not acceptable to me,” said Martin, who acknowledged that his religious views play into his attitudes on the issue. “Your sex is your sex — to me, that doesn’t really change.”

“I would prefer, in an ideal world, to go back to what we were doing before,” he said, when Idaho didn’t allow such birth certificate changes at all. But he acknowledged, “We don’t live in that world.” The courts have found otherwise.

With House-passed legislation, HB 509, pending in the Senate to directly defy the court order and again forbid birth certificate changes that allow Idahoans to have birth certificates with gender markers that match their gender identity, Martin last week introduced legislation to impose the minors-medical-attestation rule as the new state law.

“This is to try to move back a tiny bit from that, and give some of us a better feeling as to what should be done,” he said.

Martin said he didn’t mean his bill to be interpreted as a slap at HB 509, but when he left the committee meeting where he introduced the bill, HB 509’s sponsor, Rep. Julianne Young, R-Blackfoot, was waiting in the hallway to scold him. He brushed her off.

“Whether or not 509 is passed or not, we still need my bill,” he said. HB 509 would almost certainly be stayed and a court fight would ensue, Martin said; in the meantime, his bill could serve as a “backstop.”

Martin said he liked the administrative rule that was briefly in effect. “It was working,” he said, as the numbers of minors changing their birth certificate markers declined.

Idaho’s seen three bills regarding transgender Idahoans introduced thus far this session, all drawing major opposition and criticism for constitutionally questionable provisions. One, criminalizing medical treatment for transgender youth, died in committee. Two others, HB 509 and HB 500, which seeks to forbid transgender girls or women from playing on women’s teams in high school or college sports, is pending in the Senate; a hearing on HB 500 continues Monday morning in a Senate committee.

Martin feels angst over those proposals. “Some of these bills are just hateful, in my opinion,” he said, “and are not needed.”

On Thursday, well into her second year in office, Idaho Lt. Gov. Janice McGeachin got her first chance to break a tie in the Idaho Senate. McGeachin voted “no” on HB 399, a fairly obscure bill proposed by the Idaho Department of Finance that had drawn a 16-16 tied vote. McGeachin’s vote killed the House-passed bill.

The bill proposed to allow collection agencies to collect incidental charges incurred in the contract between the creditor and the debtor, while also reducing some licensing and reporting requirements for collection agents, debt counselors, credit counselors and credit repair entities. It was estimated to result in a $250,000 a year loss to the state due to the decrease in reporting requirements and associated fees.

McGeachin declined an interview request about her tie-breaking vote. HB 399 passed the House, 42-27, on Feb. 14.

Betsy Z. Russell is the Boise bureau chief and state capitol reporter for the Idaho Press and Adams Publishing Group. Follow her on Twitter at @BetsyZRussell.

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TML announce launch of new residential Lumi products



Steve Griffiths TML

A new, Lumi-branded, residential product has been launched by The Mortgage Lender, following a rise in demand from borrowers who have been financially impacted by the pandemic.

TML say that the range is available up to 75% loan to value, across four Lumi categories and caters for customers with defaults, CCJs, and mortgage arrears. It also offers enhanced credit criteria for unsecured arrears, bankruptcy and payday loans when compared to TML’s core range.

Lumi products are available for employed, self-employed and complex income applicants. The minimum loan is £25,001 and the maximum loan is £1m with rates starting at 4.98% for a two-year fix and 5.29% for a five-year fix at 70% loan to value.

Steve Griffiths, The Mortgage Lender sales and product director, said: “Now more than ever lenders need to have criteria that caters for a wide range of customer circumstances and recognise that the last 12 months has been financially difficult for many people.

“Our Lumi range, which is available through specialist distributors, takes a pragmatic approach to the real-world experience many of our broker partners are presented with when they are sourcing a mortgage for their clients.

“It offers fair rates combined with a flexible approach to underwriting that provides a stepping-stone for home-movers or those remortgaging and, in some cases, credit repair.”

Doug Hall, 3mc director, adds: “We are seeing increasing numbers of customers whose financial situation has been impacted by the Coronavirus pandemic who need products that are appropriate for their circumstances now.

“Through sharing our knowledge and challenges with lenders, like TML, the specialist lending sector is proving it can meet those needs in a responsible way. The launch of Lumi is great news for brokers and customers. It shows lenders are listening and able to respond to the market, improving customer choice and competition.”

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how to boost a bad credit rating



HOLLAND, Mich. — Your credit score is just a number, but it can make a difference in your ability to get a loan, house, or even a job ,and after a tough year for finances, now is an important time to pay attention to your score.

“You need to have options, and you need to be able to have access, and all of that boils right back down to your credit score,” says Bree Austin-Roberts, a credit expert and founder of Lakeshore Credit Management and Repair Services in Holland. “I think it was a reality check for a lot of people to saying, ‘Hey, it’s time for me to start thinking about my financial situation.’”

Bree’s story is similar to so many of her clients. A few years ago, before she founded her credit repair business, she and her family were evicted from their apartment. Searching for a house and facing homelessness, Bree noticed a similar roadblock everywhere she looked.

“The credit became a problem,” she said. “It always boiled back down to the credit.”

Bree buckled down on payments and in no time had raised her credit score enough to move her family into a home and start up her business. Now helping others achieve the same success, Bree says a few simple adjustments can make a big difference. Her first call was to the three major credit bureaus to check the accuracy of her score.

“Like 80 percent of people in the United States have something that’s inaccurate on their credit report, but a lot of people don’t know because they don’t monitor their credit.”

So start by checking with TransUnion, Equifax and Experian on the accuracy of your score.

If you’re having a tough time making payments this year on bills or installment loans (which Bree says you should always have at least one of), try contacting your creditors to see if they can delay payments or work out some sort of payment plan that works for you.

“Directly related to the pandemic, a lot of lenders are being very lenient,” said Bree.

In addition to making all your monthly credit card payments on time when you can, Bree says it also matters how often you use your credit card, and on what. She says most repair experts will recommend you keep your card usage below 30 percent, but Bree recommends a lower limit for her clients.

“When you’re in the building process, you want to keep it 10 percent or below,” she said. “If you’re planning on making a major purchase in like 30 to 60 days, you probably want to keep your credit card balances between 1 and 3 percent.”

Other tips include becoming an authorized user on a loved one’s credit card. If they have good credit, spending responsibly on their account could help boost your score faster. Just have them ask their bank or credit union about adding you as an authorized user.

You can also open a secured card on your own. A secured credit card is essentially a prepaid card that ensures you don’t miss payments.

And remember: no credit doesn’t mean good credit. Lenders want to see you can responsibly handle debt.

“Having something to report is positive, but it’s the amount that reports that shows your credit worthiness,” said Bree.

What it boils down to, Bree says, is having good habits and sticking to them. Building or rebuilding credit is a marathon, not a sprint, and Bree says patience is key.

“I was never always a credit expert. It was trial and error,” she said. “I have been there before, and it doesn’t take much to end up right back there again if you’re not budgeting well–if you’re not being credit conscious.”

You can reach Bree at [email protected] or on her website or her Facebook and use the hashtags #lakeshoreCredit and #CreditQueen to join the conversation with her.

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Adam Reich On His Journey From A Bodybuilder To Building His Own Empire And Making People Financially Independent



Adam Reich

Adam Reich was born on December 17th, 1985, and brought up in Long Island, New York. Gym and fitness lover, Adam Reich, founder of True Credit Repair, Passive Profits Ecom Automation, ReinventU wellness center, and Health Supplements didn’t always have it all. He found a great deal of success in bodybuilding competitions when he was young. He was falling short of turning professional and thus, in the time that he had, he built a late online personal training business with over 100 subscription-based clients. In 2014, Adam Reich was blessed with twin daughters and a few months later, he had to go take up a job for the New York City department of corrections on Rikers Island. He worked 16 hours a day for 5 years straight surrounded by a bunch of violent people. It was an unsafe job. Adam Reich got fed up and decided to invest all the little money he had onto himself. He worked hard and invested all of his time to finally have something of his own and he did, not just one but multiple companies with 7 figure turnovers.

Adam believes that the success he has had by far is because of the client relations and the results and satisfaction that he and his company have given over time. He believes that he should treat his clients exactly how he would expect to be treated as a customer himself. The reason behind investing in a credit repair agency was because Adam Reich first paid to have his credit repaired by the same parent company and 4 months later his credit soared from 550 to 740 and that opened a plethora of financial opportunities for himself. All of his companies are driven by customer satisfaction. He has learned that he must never over-promise to make a sale. He provides a service to his clients that he is proud of but sometimes he tends to over-deliver but he has learned from his past mistakes. Adam Reich believes that delivering a product is important but what’s more important is building a brand along with a reputation as this would help him and his company in the longer run.

Since Adam Reich realized his worth was more than that 9 to 5 job, within 6 months, he left the prior job to invest in himself, moved to Boca with his family, and built a beautiful life in South Florida. It has been great for Adam since then as he has been able to increase his salary tenfold and all the credit goes to his determination and hard work. He also worked towards making it easier for his clients to change their financial situation by providing them with abundant opportunities. That’s all that Adam has always wanted, to help others better their situations. He has had the time to experience a 9-5 job and knows how it feels to miss important events and not being able to spend time with family because of lack of financial freedom which is why he has built this empire so that nobody else has to go through what he went through.

Adam Reich has always kept his priorities straight and his clients are everything to his brand. He goes out and about for them and relates with each individual. He believes in the saying, “show me your friends and I’ll show you you’re future” and that’s why he surrounds himself with the right people always. Since he moved down to South Florida from New York, he has made sure to keep the right people beside him who give him the motivation he strived for. Adam Reich even met his fellow investors at that time and is friends with them. These are the people he used to look up to and hoped to become like them one day. To the colleagues in his industry, Adam Reich wants to mention that people should focus their energy more on customer service. Building results and winning client’s trust is very important to go far ahead in this business.


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