ห้วยขาแข้ง: เขื่อนทับเสลา
การเดินทางอันยาวนานที่ได้รับการอนุเคราะห์จาก ครูอึ่ง (ดวงพร เลาหกุล) และครูอาราม ที่กรุณามารับที่บ้าน และพ่วงรับครูต้อย (ครูดอย-นิตยา แควสยอง) ไปด้วยกัน เพื่อมุ่งหน้าไปรับเบิร์ด (วิมลรัตน์ ชัยปราการ) จากสถานีขนส่ง จ. ลำปาง เป็นการทำเวลาได้เหมาะมาก ก่อนจะแวะซื้อขนมขบเคี้ยวที่กำแพงเพชร และไปต่อที่นครสวรรค์เพื่อรับชาวคณะจากพิษณุโลก คือ ราณี (ศุภรากรณ์ พุทธพจน์มงคล) ครูสุ (อ. สุมาลี นุใจเหล็ก) และ อ. ฝน (อ. กนกพร อุณเอกลาภ จาก มน.) จากนั้นก็รอ ป้าหวานที่นั่งรถหวานเย็นมาจากขอนแก่น-ชัยภูมิ-นครสวรรค์
ระหว่างรอป้าหวาน ทีมก็เริ่มแสวงหาประสบการณ์ท่องเที่ยวเชิงอนุรักษ์ …คือตามเก็บภาพร้านรวงในตลาดโบราณร้อยปีของปากน้ำโพ และปีนสันเขื่อนเพื่อชมจุดบรรจบของแม่น้ำสายหลัก ปิง วัง ยม น่าน ที่รวมเป็นแม่น้ำเจ้าพระยา รวมทั้งหาของกินก่อนเข้าไปที่เขื่อนทับเสลา กำหนดเวลาตามที่ครูอึ่งบัญชาการ และตามเสียงเรียกร้องของกินของท้อง อ. ฝน
เส้นทางไปเขื่อนทับเสลาไม่ยากเย็นมีป้ายบอกทางที่ชัดเจน และที่ทางเข้า มีเจ้าหน้าที่มารอเพื่อขับรถนำเข้าไปในบริเวณเขื่อน…ตลอดระยะทางที่มาครูอารามยังคงทำหน้าที่ขับรถอย่างไม่เหนื่อยล้า ขณะที่คนอื่นๆ ในรถสลับกิจกรรม “เงียบเป็นหลับ ขยับเป็นเคี้ยว(ขนม)”
ที่จุดหมายปลายทาง พบว่า คนอื่นๆ มากันเกือบครบแล้วและนั่งกันเป็นกลุ่มๆ กลางแจ้งบริเวณหน้าอาคารแปดเหลี่ยม การทักทายแบบชาวเฮฮาศาสตร์เป็นไปอย่างเกรียวกราว จนถูกเตือนให้รีบรับประทานอาหารที่เจ้าหน้าที่จัดเตรียมไว้ และลงทะเบียนจ่ายเงินคนละ 1500 บาท จากนั้นพี่บู๊ดเริ่มกิจกรรมแรก คือการแนะนำโครงการ กิจกรรมต่างๆ ทีมงานของพี่บู๊ดที่ช่วยเหลือในโครงการ และการนัดหมายเวลาของวันรุ่งขึ้น
อากาศเย็นกว่าที่คิด ความชื้นที่กระทบเย็นกลั่นเป็นหมอกโรยตัวลงมาช้าๆ เป็นความหนาวเย็นที่ต้องแยกย้ายกันเข้าที่พักเมื่อสิ้นสุดการแนะนำโครงการ
บ้านพักของเขื่อนทับเสลา สะอาดและสะดวกสบาย มีเครื่องอำนวยความสะดวกครบครัน น่าจะยังใหม่อยู่ เพราะป้ายแสดงสินค้ายังติดบนอ่างล้างหน้า และที่นอนยังไม่ได้ดึงพลาสติกออก ที่ดีใจคือมีเครื่องทำน้ำอุ่นสำหรับอาบน้ำด้วย
ในความมืด มองไม่เห็นน้ำ ไม่เห็นเขื่อน เห็นแต่บ้านเรียงรายเป็นแนวตะคุ่ม รับรู้ได้ถึงสภาพแวดล้อมรอบๆ ที่เงียบสงบ มีเสียงนกละเมอแว่วๆ กลางคืนของที่นี่อากาศเย็นจนไม่ต้องเปิดเครื่องปรับอากาศเพียงแต่เปิดหน้าต่าง และเอาม่านลงเพื่อกันแมลง แค่นี้ก็ได้อากาศที่เย็นสบาย ความชื้นเพียงพอและรู้สึกหายใจโล่ง
หลับแค่สี่ชั่วโมงก็รู้สึกเหมือนหลับมานานทั้งคืน ความเมื่อยขบจากการเดินทางไม่เหลืออยู่ ร่างกายพร้อมสำหรับการเผชิญกับสิ่งใหม่ๆ ของวันรุ่งขึ้น
ที่นี่วิเศษจริงๆ คนที่อยู่ประจำที่นี่โชคดีมาก ที่ได้อยู่กับธรรมชาติที่สะอาด สงบเย็น แตกต่างจากในเมืองที่เต็มไปด้วยควันรถ เสียงเครื่องยนต์ และความเร่งรีบของการใช้ชีวิต
เป็นสิ่งพิสูจน์ถึงสุขภาวะที่ต่างพร่ำถึง….แต่จะมีกี่คนที่ใช้ชีวิตในเมืองใหญ่จะมีประสบการณ์ของสุขภาวะนี้จริงๆ
หรือนี่คือการส่งสัญญานของแนวไพร ว่าสิ่งที่ได้รับนี้เป็นบรรณาการจากธรรมชาติที่มอบให้ตั้งแต่คืนแรก เพื่อเตือนให้เพิ่มความตระหนักถึงหน้าที่ของทุกคนที่ต้องช่วยกันปกป้องดูแลธรรมชาติให้สมบูรณ์ที่สุดเท่าที่จะทำได้
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Payday loans - это форма краткосрочного необеспеченного заимствования, которая обычно предполагает получение небольших сумм денег на срок от двух до четырех недель. Эти кредиты предназначены для преодоления разрыва между неотложными финансовыми потребностями и моментом получения следующей зарплаты. Частым примером является ситуация, когда человеку нужны быстрые деньги для оплаты неожиданного счета или неотложных расходов до получения следующей зарплаты.
В США правила предоставления платных кредитов варьируются от штата к штату: в одних штатах нет ограничений на процентные ставки и условия кредитования, а в других действуют более строгие правила. В целом, кредиторы “payday” должны соблюдать Закон о правдивом кредитовании (TILA), который обязывает их раскрывать все комиссии и сборы, связанные с кредитом, до его выдачи. Кроме того, на них распространяется правило Бюро по защите прав потребителей (CFPB) о несправедливой и обманчивой практике, которое запрещает кредиторам использовать нечестные преимущества потребителей с помощью скрытых положений или двусмысленных формулировок в договорах. Это включает в себя уведомление заемщиков, если они не соблюдают сроки платежей или если их платежи приведут к дополнительным комиссиям и штрафам.
CFPB также требует, чтобы кредиторы payday предоставляли разъяснения о потенциальных рисках, связанных с этим видом кредитования, таких как высокие процентные ставки, длительные периоды погашения или штрафы за просрочку платежей. В дополнение к этим мерам защиты прав потребителей, многие штаты приняли собственные законы, регулирующие практику кредитования payday, такие как ограничение процентных ставок на уровне 36% годовых или установление лимитов на сумму, которую можно занять за один раз.
Обеспечивая понимание заемщиками того, на что они соглашаются, когда берут кредит до зарплаты, и обеспечивая защиту от хищнической практики, такой как непомерно высокие процентные ставки, законы, регулирующие кредиты до зарплаты, помогают обезопасить потребителей и в то же время дают им доступ к быстрым наличным в трудные времена
Финансовое образование и ресурсы: Как избежать ловушки платного кредита и повысить финансовую грамотность.
Платежные кредиты могут показаться быстрым и легким решением финансовых трудностей, но они сопряжены с риском высоких процентных ставок, которые могут затянуть вас в долговую ловушку. Компании, предоставляющие кредиты до зарплаты, могут рекламировать свои услуги как идеальный способ выйти из затруднительной финансовой ситуации, но они часто не упоминают о потенциальных подводных камнях.
Лучший способ избежать попадания в ловушку платных кредитов - это хорошая финансовая грамотность. Знание того, как составлять бюджет и понимать, какие ресурсы доступны для управления долгом, может помочь вам принимать обоснованные решения в отношении ваших финансов. Вот несколько советов по развитию хороших финансовых привычек:
1. Разработайте бюджет: Отслеживание того, куда уходят ваши деньги каждый месяц, является ключом к пониманию ваших привычек расходования средств. Бюджет поможет вам определить области, где вы можете сэкономить деньги, и расставить приоритеты при оплате счетов и других расходов.
2. Используйте бесплатные ресурсы: Существует множество бесплатных онлайн-инструментов, которые могут помочь в составлении бюджета, например, Mint или Personal Capital. Воспользуйтесь этими ресурсами, чтобы оставаться организованным и следить за своими финансами без необходимости платить дополнительные комиссии или сборы.
3. Разберитесь в кредитных картах: Кредитные карты дают преимущества при правильном использовании, но важно понимать условия и положения, связанные с ними, прежде чем подписывать договор или часто пользоваться ими. Внимательно изучите все соответствующие документы и отслеживайте любые изменения в условиях и комиссиях, чтобы в дальнейшем не оказаться в затруднительном положении.
4. Установите очередность платежей: Убедитесь, что все основные счета (такие как арендная плата, коммунальные услуги и т.д.) оплачены.) выплачиваются в первую очередь, прежде чем заботиться о каких-либо дополнительных расходах или выплатах по долгам каждый месяц - это предотвратит начисление штрафов за просрочку платежей по этим более важным статьям и даст вам время разобраться с другими долгами или расходами, если это возможно в установленные сроки, разрешенные кредиторами/займодавцами/агентствами/и т.д..
5. При необходимости обратитесь за помощью: Если вы столкнулись с финансовыми трудностями, несмотря на соблюдение бюджета и использование бесплатных ресурсов, не бойтесь обратиться за профессиональным советом к квалифицированным кредитным консультантам, которые могут дать совет, специально предназначенный для того, чтобы помочь людям справиться с их конкретными обстоятельствами более эффективно, чем общие советы, найденные в Интернете, как правило, по крайней мере, в целом в большинстве случаев, основанных на эмпирических данных, собранных за прошедшее время..
Следуя этим советам, вы вооружитесь знаниями о том, как лучше управлять своими финансами, не полагаясь на кредиты, которые потенциально могут привести к дальнейшим неприятностям в будущем, в основном из-за того, что вы не воспользовались всеми преимуществами заранее на ранних стадиях, чтобы развить лучшие навыки рационального управления финансами и т.д….
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