Your finances are something that you must be vigilant about, or risk major consequences. There are situations in which you need to make decisions regarding your finances that could have a huge impact on your future financial well-being, and these should be considered carefully to ensure the best possible outcome. One of these decisions involves tough financial times when have urgent obligations but not the funding the fulfill them. When this situation arises, you may be tempted to take out a payday loan. This could be a good decision for you, but it is important to be cautious in order to protect your safety and the security of your financial interests.What Are Payday Loans?Payday loans are small sum, short term loans that act as advances on your next paycheck. In order to take out one you must be able to provide valid identification, proof of average income, proof of length of pay-period, and a verifiable, active checking account. These elements will ensure you are who you say you are, as well as ensure the lender that they will be repaid. These loans last until your next paycheck, when the total amount of the loan, as well as fees and interest, are to be repaid.The AdvantagesThere are certain advantages to choosing payday loans as your financial resource in an emergency situation. These involve not only the application process but the qualities of the loans themselves. As opposed to most other loan products, these do not generally require a credit check. This means that even if you have very bad or no credit you will still have access to a payday loan. Payday loans are active very quickly. Some are even available within minutes of your application being approved. Most others will be available within 24 hours. This is much faster than most other forms of loans or advances. The short time period of the loan means that the obligation is brief and, if repayment happens on time, you will not have to factor the loan repayment into further budgeting. They are easily accessible both through physical money stores that provide other services as well, and through online lenders.The RisksLike with any other financial decision, there are some risks involved with taking out a payday loan. The fees associated with a payday loan can equal a large percentage of the loan amount, which increases the amount that must be repaid. If you choose to extend your loan, these fees are renewed. This can make repaying the loan very difficult. Interest rates applied to payday loans are the highest in the loan industry. These sometimes reach four-digit percentages, and dramatically increase the amount of the loan, especially if the loan period is extended. The short period can also represent a problem in that it doesn’t give you much time to prepare for repaying the loan and budgeting your reduced paycheck for all of your other expenses.Staying Safe with Payday LoansMany people question whether payday loans are safe. This is a viable question, especially when you consider that some people choose to take out these loans through online sources. Anytime you use the internet for a financial transaction there is some risk. Knowing what to look for, and how to properly manage a payday loan ensures that you and your information will remain secure. When using a money store, your information is kept absolutely confidential. Even though your checking account information is collected, you can be sure that this information will only be used for the purposes that you authorize. Online lenders are slightly more difficult When choosing an online lender, be sure that you are using one that is reputable, and offers accreditation from business bureaus as well as insurance. Do research on your chosen lender to see if anyone has lodged complaints against the company. Just like with a money store, you will provide authorization for any payment activities. By making sure that you are working with reputable lenders, you can be assured that your interests are protected and that you will be able to borrow the money you need safely.
How Jazz Influenced Pop Music of Today
The history of Jazz is deep, varied and its influence has seeped into many genres from hip hop to pop and even rock music. This genre of music can be sometimes misunderstood as ‘too complex and enjoyed by music snobs’ or ‘background music at a bar’, however, it has likely had an effect on some of your favorite artists! Let’s take a closer look at its early origins, characteristics and find out how jazz influenced modern pop music.
Jazz origins
New Orleans is hailed as the birthplace of jazz music, originating in the second half of the 19th century. It was a melting pot of different cultures, all mixed together, sharing and playing their music. Born not long after the abolishment of slavery, jazz signified emancipation, freedom of expression, and experimentation. It is a unique blend of rhythms originating in West African music and the variety of instruments and harmonic chords used in European music. While we can trace its roots back to the late 1900s, jazz really got its ‘big break’ around 1920, in the era of ‘roaring twenties, which made it an overnight success. Musicians like Louis Armstrong, Duke Ellington, Count Basie all came into prominence. Since then, this diverse, complex, and exciting genre has morphed into other forms and influenced many genres of music we know and love today. At the same time, it hasn’t died out and still maintains a vibrant music scene of awe-inspiring jazz musicians. Let’s take a look at some of the key features of jazz and how they have influenced popular styles like pop, rock, and hip hop.
Chord progressions
Jazz typically uses a lot of extended chords, moving away from the standard three-note triad. We notice the use of 7ths, diminished intervals, 9ths, 11ths, and sustained chords, among others, creating colorful harmonies. These chords add more complexity to jazz music and are powerful ways to create tension and add a broader range of emotion into your performance.
Harmony
The harmony created by these extended chords is vastly used in R&B, neo-soul, blues, and folk. Jacob Collier is an excellent example of someone who uses jazz harmony extensively in their music. It also appears in the songs of popular artists like Lianne La Havas, Celeste, Hiatus Kaiyote, and countless others. Exploring intervals beyond the 3rd, 5th, and octave allow us to add a different flavor to our compositions, and jazz has heavily influenced the currently popular r&b and neo-soul artists as well as classic pop songs.
Song structure
Jazz steers away from the traditional pop song structure of verse-chorus or ABAB. Instead, it often uses AABA song structure or even ABABC, and it generally offers much more room for looser structures for artists to explore. We can see this influence used heavily in The Beatles’ music, for example, in the song ‘Honey Pie’. When it comes to more current artists, SZA is very prominently influenced by jazz song structure. Her songs feature multiple sections that all sound slightly different. This way, she keeps it interesting for the listener, encouraging them to keep coming back, as the songs are less predictable and keep our attention for longer. Improvisation and call and response are heavily featured in jazz, emphasizing its freedom of expression and an exciting way to communicate through music. These meticulous improvisations, which seem so effortless also make the jazz song structure much less rigid, compared to pop or classical music.
Rhythm
Jazz music is characterised by its swing rhythm but it’s also an endless resource for ear-catching rhythm elements! Syncopation, off-beats and infectious grooves are found everywhere in jazz. This genre has also been influenced by samba, bossa nova, and afro- Cuban beats, which have found their way into current pop music. We hear jazz-influenced rhythms in the music of Amy Winehouse, Tom Misch and many others, whose memorable grooves make us want to listen again and again.
Jazz influence in Pop
You may assume that pop music and jazz have nothing in common, due to pop’s rather simplified and straightforward elements. But the truth is, it’s heavily influenced by jazz, especially now that we see more neo-soul and hip-hop artists come into the spotlight and dominating popular music. Jazz musicians often feature on pop artist’s line-up, due to their varied and impressive skills in sight-reading, improvisation, and quickly picking up complex material. We see these examples countless times in live touring, for example, the impressive multi-instrumental bands that support artists like Justin Timberlake, Beyonce, and more. Music production is another example of how jazz-influenced pop music like Quincy Jones’ work with Michael Jackson. Quincy had worked as an arranger with Frank Sinatra, Duke Ellington, Count Basie, Dizzy Gillespie. His heavy jazz influence can be heard throughout Michael’s discography. If you listen closely, you’ll notice it in many of today’s popular artists, too. The funky disco-pop music of Charlie Puth and Dua Lipa, for example, has clear jazz influences in their syncopated basslines and energetic grooves.
Jazz influence in Rock
Rock seems an unlikely genre to be influenced by jazz but bear with us. This style of music has originated from rock’n’roll, which derived from blues music. Jazz has derived from blues too and yet it has also crossed over into rock. You’ll hear its influence in bands like The Doors, Led Zeppelin, and artists like Jimi Hendrix. ‘Time’ by Pink Floyd is an exceptional example of jazz influence in rock due to its unusual structure, chord changes, and harmony. Radiohead, for example, is usually put into the rock category, but records like The King of Limbs and the presence of drummer Clive Deamer, of Get the Blessing, would suggest otherwise. We hear their jazz influences particularly on songs like ‘Little by Little’. And so, rock is another genre that hasn’t escaped the influence of jazz music.
Jazz influence in Hip Hop
In today’s popular music, hip hop reigns supreme. And of course, it’s strongly rooted in jazz, which brings us full circle, showing the full extent of how jazz influenced modern pop music. Hip hop originates in sampling culture and there are countless samples taken from jazz and reimagined in hip hop. According to Who Sampled, Herbie Hancock has been sampled 984 times, Miles Davis 293 times, George Benson 290 times. The complex rhythms in hip hop very clearly derive from jazz with their energetic, syncopated beats and off beats we have come to love and get accustomed to in popular music. Hip hop and jazz are also tied together by their use of improvisation. Jazz musicians will often improvise over sections of the song, ‘communicating’ with each other through call and response and bouncing ideas between themselves. Hip hop expresses itself in a similar way through freestyling and improvisation that lets us take an unedited peek into the artist’s raw vision, background, and musical ideas. While jazz has influenced countless artists and so many of our most popular genres, it has probably had its strongest influence on hip hop.
What We Have Here Is A Failure To Communicate
The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.
It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.
One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.
The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.