A third of the homeless people in America are over 50 and I’m one of them
vox.com
vox.com
Here's the table from the monthly report;
http://www.bls.gov/news.release/empsit.t15.htm
Or you could look at any of the data viz sources that are more user-friendly than the BLS to see trends;
But instead, we just get "the official numbers are a hoax."
Also, while the second link shows data for Marginally Attached Workers, the government definition for that term is those who have looked in the last 12 months. So those who have given up for more than 12 months are not considered unemployed. See also discouraged workers.
If you want to look at the impacts of long-term unemployed or the falling mix, check out the prime-age labor force participation rate.. another metric that is also in the same report:
https://fred.stlouisfed.org/graph/?g=7ujb
There's no conspiracy to hide these numbers, they're reported dutifully every month. It's been discussed by politicians, economists, journalists..
That is about as intelligent as saying I don't need a seatbelt in my car because I drive safely. Many people utter words like that too.
Perhaps it is simply something people want to believe in. They don't want to believe they can be the next victim. They want to believe everything is under control and they are master of their own faith. If you realize how much is out of your control it would be all too depressing to know how screwed you are going to be if you developed serious health problems, getting into serious accidents etc in the US. There is little safety-net to fall back on.
I have a good job today, but I have period mental problems. I do worry about what would happen if I suddenly couldn't hack it anymore. What do you do when you got small children to provide for and you get screwed up in the head? Fortunately I know that because I live in Norway and not the US, there are limits to how far I can fall. I will never end up on the streets with my kids. They will still be able to go to good schools, and university whatever happens to me. That takes some stress away.
I can not begin to imagine what it is like struggling in America and knowing that if you can't work, your whole life is over and the future of your children.
It is surprising why American's don't want a proper welfare system. People buy insurance for their car and house. They buy health insurance. I pay higher taxes than Americans but I view that as the cost of having airtight insurance against the mishaps of life.
There's such a prevalent "the federal government is less efficient than private business" attitude it's mind blowing. This despite the fact that in any area where public competes with private public wins here every single time (ISPs, Infrastructure, Criminal Justice, etc)
edit. oh yeah and the army of "well at least the poor here aren't literally dying of starvation en masse"
..what? This makes no sense. My quality of life was significantly better when I lived in TX than when I lived in SF, and you already know which one taxed me more. Even a lot of public infrastructure, like roads and highways especially, was just so much better. Plus, even though TX doesn't do much to help the homeless, the likelihood that the author would have ended up homeless in the first place is lower because home ownership is feasible. And the programs the OP is referring to, social safety net type things, aren't local but national in scale.
That said, I do like the idea but the quoted statement just makes no sense to me.
Texas has shitty roads that are way too narrow and full of potholes, a non-existent public transport system, and quite a few more homeless people per capita than SF. The difference with the last one is that you don't see them as often, because Texans aren't nearly as tolerant as homeless people as Bay Area residents, so the homeless hang out in places such as highway underpasses and the wilderness areas surrounding the cities. You know, out of sight of the rich.
Citation please.
This is an issue with comparing large states with cities. You can't compare LA or SF w/ Texas anymore than you can compare Austin with Dallas. It makes statements like "quite a few more homeless people per capita than SF" unfair (or possibly just straight false in your case). For instance, you could easily say "CA has WAY more homeless per capita than Texas" and actually be accurate.
Similarly, you can't making sweeping generalizations about potholes across the state in TX or CA since people don't live in every area of the state all of the time. And wrt quality of life, which is an extremely subjective measure, public transport may not be what the local citizens want compared with road infrastructure that isn't well known to be mired in traffic (again, depends on where you are, but CA consistently ranks worst here).
It's bad enough comparing two states at that high level, it's even worse to throw in subjective opinions about quality of life on specific things.
I'm not sure what your personal experience represents. We really need some data.
edit. yeehaw, downvotes
being able to spend $300 on a multi-course crudo and wine prix fixe dinner for 2 is not 'quality of life', that just means you're rich and you like nice shit. you can do that anywhere there are other rich people, texas included.
most people consider quality of life to be cleanliness, low crime, affordable property, personal freedoms, etc., all of which are in dramatic short supply in san francisco.
All of that being said, Texas, by any measure, is a way worse place to live in the US than SF if you actually do value things like a criminal justice system that doesn't make a point of murdering the mentally disabled.
"Homeless tent city outside my apartment has grown 2x in the last week" -1 Big City
"I went to Glacier Park last Saturday" -1 Big City
"I make >$180k" +1 Big City
"I ordered pizza from a place that wasn't Dominos" +1 Big City
> And the programs the OP is referring to, social safety net type things, aren't local but national in scale.
They are because you choose to make it that way, and that's why Texas is a shithole. It's not that here is perfect, it's that they actually are taking steps that make sense to try to improve things. Texas's laws as a state pretty much preclude any sort of development there in that direction. That's beyond the absurd political climate you have to deal with in a state where Rick Perry was governor multiple times.
The battle of blair mountain is a clear example of what happens when workers demand fair treatment in America. They didn't just send the army in to break the strike, they sent the air force.
Though they lost, in the long term it raised awareness enough to actually lead to organized labor victories like the New Deal (which effectively led to the creation of the middle class 'good life' from the 50s).
The thing that really worries me is that another, similar battle would be necessary in order to arrest the current decline of the middle class.
The air force? in the 1920s?
I think even in the US people pay taxes and the government buys things from that which are supposed to help everybody (like, say, roads). Ooops - I guess you already live in a socialist state.
Why is it OK to build roads with tax money, but not to provide social insurance?
In the end, society pays either way for people who have fallen on hard times: either they pay for welfare, or they pay indirectly by having to deal with the inconvenience they cause (like, as I have heard, human turds on SF streets).
[0] http://www.economist.com/blogs/graphicdetail/2013/05/daily-c...
Having been in several of these countries and knowing people who have lived there it simply does not strike me as believable. Maybe it is true, but I'd like to hear some articulated reason for it.
Here are my counter points. We know that for all these other countries supposedly worse off than America health care access for the bottom is considerably better. Access to education is better. Crime levels are lower. So within what area is it that American's gain the upper hand?
I've seen studies like this before giving poor Americans an upper hand and all to often it is due only focusing on material aspects. E.g. the poor in the US usually have bigger houses, more microwaves, bigger cars etc than the poor elsewhere. This is often given as evidence that they are better of while ignoring the fact that poor Americans have significantly worse access to health care and education than other people. Also Europeans e.g. spend a lot more on travel than on just accumulating stuff at home. So quality of life is difficult to asses exclusively by just adding up stuff.
Housing Income Jobs Community Education Environment Civic Engagement Health Life Satisfaction Safety Work-Life Balance
Another index includes EPI’s State of Working America Report [0] as well as research from World Bank economist Branko Milanovic [1].
I understand you might disagree with methodology or how they weigh certain aspects and that's perfectly fine. But if you come across some objective measure that tell me that people in the US are considerably worse off than other Western nations (in absolute terms), I would like to see it.
[0] http://www.forbes.com/sites/timworstall/2013/06/01/astonishi...
[1] http://economix.blogs.nytimes.com/2011/01/31/the-haves-and-t...
It is actually very hard to come by studies and comparisons of these things, but one knows certain facts, which is that health care is not easily accessible to the poor in the US, while it generally is in other western nations. We also know that college costs considerably in the US if you are not especially talented and get a scholarship.
Germany which is supposed to much worse than the US according to this study offers cheap health care and college to all citizens.
So I am not saying this study IS wrong. I have no proof of that. It simply isn't believable to me unless somebody can offer a proper explanation for the way in which say poor swiss or germans are worse off than the poor americans.
This would not be the first time I've come across dubious studies like this. There have been studies in the past where they claimed Mississippi was better off than Sweden. If you start looking into this assertion and talk to people who have been both places it becomes clear that the assertion is completely ridiculous. It is one of the many cases in which statistics can serve you a fat lie.
If I were as clever as a feminist, I guess I could call it Eurosplaining.
I work with a lot of Americans and deal with a lot of American companies.
I'd say in many ways I think see America clearer than a lot of Americans because they have nothing to compare it with. I've lived in several countries and I can compare my experiences. If you have never lived abroad you tend to take too many things for granted and you become blind to so many realities in your own country.
Anyway it isn't like American's are the quite guys in the corner never volunteering their opinions to anybody else about how the rest of the world should be run. Quite the opposite, except American are frequently extremely opinionated about things they know absolutely nothing about.
There are enough horror stories everywhere that people fail to acknowledge, first world problems pale in comparison what people suffer in the non Western worlds. From complete lack of some basics we considering necessary to every day threats to their lives and property, should they even have the ability own anything.
What is more important solving poverty in America or shut up some smug European saying unfavorable things about America?
I would never excuse problems in Norway by saying look how horrible it is for people in Ethiopia. We are a rich country and should be judged by those standards. So is America. It ought to be embarrassing that you are even competing with third world countries.
In your sad world I guess you imagine that this is a game to me. That I just want to embarrass America to feel all good about myself. I don't. I feel deeply sad about the many people suffering in the US. Why do I not feel the same about people in say South Africa?
Well we humans are odd. We don't care equally much about everybody. As Europeans we will feel strong kinship with Americans. We have many family members there and we can relate to American society as it is another western society with many of the same values.
Solving Uganda, Jordan or Colombia's problems are very difficult not at least because they are poor. America's problem seems like the most unnecessary problems in the world because America is so wealthy and still have third world problems. They could have been solved with political will.
Other countries don't have that luxury, they actually have to build and industrial base and get rich first.
Congratulations on figuring out freedom doesn't exactly mean what people think it means.
But really that's what freedom actually means. You are responsible for your life. Both good and bad parts of it.
Poor do not get to shop for jobs, move to healthier or cheaper places (especially faraway), spend money or time on exercise. (if they attempt to make ends meet) Older people are much less wanted on the job market too.
Nobody is God. Nobody can fix everything.
That is really the only 2 options you believe can exist?
However, that as it may be, it's really not that bad. I shower at a gym at I'm rarely home anyways, usually doing things so I really just need a place to sleep which I don't feel paying 800 a month is worth.
The only issue is authorized places to park. There's a lot of us vehicle dwellers there's a whole sub-reddit /r/vandwellers devoted to it.
I think it's an growing problem and solution to massive housing shortages that are just going to get worse.
How big of a deal is it to have parking lots for 'liveaboards'?
You can obviously have applications to weed out troublemakers like any other apartment complex.
This might be a very interesting sort of start up.
And I'm also curious, in what ways do you regret taking the CS path at your age? Did you just get your CS degree? Are you experiencing a lot of ageism?
> A third of the homeless people in America are over 50
So is the case for the entire population of America, it would seem.
"The percentage has spiked by almost 10 points since 2007 — in 2014"
That's the whole point! Compare to, for example: "Homeless people in America that are over 50 increased by 30%". See the difference? "A third" is just what one would expect from pure statistics.
Imagine people 50 and under all of a sudden accounted for 70% of Alzheimers diagnoses. Would you say that's not notable, because 70% of the population is 50 or under?
Plus when you qualify for either of these its easier to get other poverty benefits like food stamps, housing assistance and a free cell phone.
Sometimes people go into victim-pity mode and dont claim everything available.
She says she gets foodstamps. She may well have a free cellphone.
By the sounds of the article she isn't passive and actively looks for ways to improve her situation.
Of course not. The whole point of insurance is that most people pay in more than they get back. A few take out way more money than they put in. That is acceptable because those who pay more, get safety in return. That is the whole point of a welfare system. Most pay more in than they get back, but they get safety back. They get the certainty that if their life should get screwed up by chronic disease, accidents etc, then there is something to fall back on.
Even in your personal finance pro world you would fail to avoid this exact situation
In my county, the number one (by far) reason people are homeless is because of divorce.
Marriage is a commitment and the second biggest choice one (usually) has to make.
Either way, if you want to be successful, clearly you should get married!
So, yes, I think we should better educate children about the importance of this decision.
But she failed to find a good roommate too.
This isn't about getting Tommy to marry Jane. It's about a more general cultural education.
I'm a little confused. Her blog and personal site make it seem like it's more of a lifestyle choice than a victim of circumstance. Perhaps both?
Anyway, I don't think social security was designed to be a complete retirement plan. I agree with the author about some laws discriminating those without permanent lodging (e.g. many places it's illegal to sleep in your car), but I hope that able and intelligent people take responsibility for their own retirement.
I don't know where cheap rentals are in the US (Detroit?), but presumably $600 a month isn't going to get there, pay rent, deposit and keep her alive.
It's not what I would call pleasant, their are few jobs, and transportation is an issue. However, basic food and shelter can be really cheap.
Not sure what I'd do near retirement age in that situation. I'd be torn between staying near work I might not get for age discrimination reasons, and building a retirement cabin to see out my days looking at trees and surfing the net. If I had health issues I might want reasonable distance to doc and hospital.
PS: Medicine is also a huge issue, but such is life.
The real issue is many structures are designed to be actively cooled so they get much hotter than ambient temperatures which is an issue. The urban heat island effect also tends to make thing far worse for homeless populations.
People will also do things like fill a cheap kiddie pool with water under a tarp which will take the edge off. In extreme days you can even add some ice cubes to that, but just as heating a kotatsu is much cheaper than heating a room this is fairly cheap. https://en.wikipedia.org/wiki/Kotatsu
PS: I recommend using a comforter to make a low cost Kotatsu out of a computer desk in you use your PC near the window in the winter. You stay comfortable at a much lower room temperature.
That specific case may have all kinds of issues, like any purchase buyer beware. You generally want someplace close to people that let's you live there. Further, transaction costs are not free. However, the point is land is cheap, making renting it cheap, not that someone would necessarily want to buy any specific part of it.
The fact that she's currently without a permanent residence doesn't change any of the other things you quoted, any more than someone taking a lower-skilled job during a downturn would mean that "working retail is a lifestyle choice."
It's impossible to find rent for under $900/month. My anger boiled over when someone wanted $975/month for a 6 month lease for a 350 square foot "studio" that has no kitchen.
Yet, supposedly there are 18 million vacant homes in the United States [1].
It's time to put together an Airbnb for these vacant units that provide the new transients of America with affordable and safe places to stay. Interested in helping, or just want to have a conversation about this topic, check out my profile.
[1] https://fred.stlouisfed.org/series/EVACANTUSQ176N
Additional info from the Census: http://www.census.gov/housing/hvs/index.html
[0] https://en.wikipedia.org/wiki/Demography_of_the_United_State...
But I do take issue with:
>The housing crash and its chilling effect on mortgage lending have hit the poor the hardest...Homeowners are being replacing by renters, as the American dream of owning your own property is becoming increasingly a luxury for the rich and upper middle class.
Why should "the poor" have access to mortgages? Lending to poor people (NINJA loans, predatory loans) was a root cause of the housing collapse. Do people really think giving the poor mortgages is any kind of solution?
It's a pretty common refrain on HackerNews that the "banksters" and (mostly, in reality) shady mortgage brokers took advantage of people by providing them with loans they couldn't afford. But, other times, this is seen as a good idea?
I live in Norway and I am just waiting for housing market to come crashing down. I am a homeowner but I really don't want to be one. It is just that the economic incentives created by the tax system makes it stupid to rent. It shouldn't be like that because it causes an over-investment in property and runaway prices. Countries like Germany which has not been so overly focused on home ownership has much healthier housing prices.
If feel like Russian roulette. You got to figure out that right time to pull out and go renting before everything comes crashing down. But if you pull out too early you pay a heavy premium and getting into the housing market will be so much more difficult in the future with even higher prices.
Makes you wonder about the whole free market pricing. Back in my parents day the whole housing market was socialist. Government set the prices. As any socialist system, it caused a lot of waiting lines to get housing, but man it was so much cheaper. Despite making way more money than my parents did, they could afford a much bigger house than I can today.
The free market seems very poor at stopping asset bubbles. I think we need a new way of handling assets in the market.
Social and societal safety nets are supposed to help with "bad luck". We all have bad luck from time to time, but imagine if all your close friends and relatives had died... you'd be in a really hard spot.
> Why should "the poor" have access to mortgages? Lending to poor people (NINJA loans, predatory loans) was a root cause of the housing collapse. Do people really think giving the poor mortgages is any kind of solution?
The issue is that there is a limited supply of affordable rental properties in many markets. This means that people who do have the money / credit to get loans can charge a huge renter's premium: there is a large segment of the market that simply doesn't have the option of getting a mortgage if the rent is too high.
> It's a pretty common refrain on HackerNews that the "banksters" and (mostly, in reality) shady mortgage brokers took advantage of people by providing them with loans they couldn't afford. But, other times, this is seen as a good idea?
Because they often pushed people towards larger loans than they could afford. Someone who can afford a $300k house was being pushed toward a $500k house with a ballooning payment.
I'm all for poor people being able to buy homes they can afford. We'll ignore the fact that land value is correlated with location and the implications of that; but yes: home ownership should be in reach of every income level.
I can see why so many people want trump. He feeds on the anger at how broken this country is.
Edit: pass fee.
There is no concept of victim or adverse circumstances and zero sense of the collective. It is denial. For other countries poverty is a problem to be solved, for the US it's identity, something everyone wants to wish away.
The first modern dystopia will be here, the idealogy of selfishness, greed, wealth and narcissism may benefit some individuals but leaves no space for a community to form and a culture that is not only bereft of empathy but positively despises it.
http://www.apartmentfinder.com/New-Mexico/Albuquerque-Apartm...
> Dexterdog
Is this a coincidence?
And then ofcourse; how many close friends do you have; i have many friends and family who would all just rent a house for me. Or let me stay at theirs. Not one but well i could think of at least 20 people who would not hesitate; am i lucky or did she just connect with very few people?
I do relate to the dog though, they are amazing companions. I would really worry about depression if he passes away.
Uber and Lyft drivers not in premium service are not paid enough to get maintenance.
Also, an older person requires often psychological and technical checks to see if they still can drive at all. In EU those are mandatory after 60 years to keep your licence at all, earlier in pro drivers.
I suspect the biggest problem with finding another homeless person or two to share an apartment with is what she already ran into - for a lot of homeless there are mental health issues that may have led to them being homeless in the first place. Many who are homeless also are going to have a hard time covering even part of the cost of an apartment, particularly since it's going to be harder to find and keep a job without having a permanent place to stay in the first place. Finally, I suspect that many cities have limitations on how many unrelated adults can live in a single residential unit - something that for many it'd be easy to ignore, but for a small group of people it could make it very difficult to secure an initial lease unless one of the group members was able to demonstrate the resources to get the lease on their own anyway.
The US has very real and tangible problems with healthcare and the lack of a social safety net, yet a significant portion of Americans insist on brushing off advice from cultures that have all but solved these problems.
To conclude with an analogy in a similar vein as yours, this is like watching a minimum-wage earner blowing his money on a luxury car, plasma-screen TV, XBOX and weed, and subsequently complaining that he's stuck in a rut. And when concerned, well-to-do neighbors offer friendly advice, he responds with the equivalent of "buzz off, your situation is different than mine". Yes. That's the point. Their situation is different and they know something about how to get there.
Also, while Norway may be rich in natural resources, so is the USA. So I'm not entirely certain how that matters either.
It's easier to be generous to people who are more like oneself, and who are physically closer to oneself.
Consider all the people in Europe right now who may be perfectly happy to support generous welfare for homeless people who happen to have been born on the same side of their borders, but who are hostile to homeless people who just fled Syria.
Or consider the difficulty of scrapping every national welfare system in Europe and uniting them under a single EU government. I contend that would be very difficult. America is more like the EU than it is like Norway. Norway is much more like Massachusetts, which has very Norway-like quality-of-life metrics.
Families in rural areas can thrive with a knife, saw and shotgun, drinking from clean lakes, growing food and living healthy, aerobic lifestyles. They see little need for government intervention. They barter and travel on unimproved roads with horses and all-terrain vehicles, even making their own fuel. Even in the event of a fire disaster, they can quickly rebuild on their own vast property.
In denser urban areas, housing codes and other cultural laws, like riding horses, drying clothes on a line, noise and land use restrictions and sleeping in public spaces make living close to the land impractical and/or illegal. Collusion with the developed world and its government is mandatory. People in these areas are happy to invest in personal radios transmitting their consumption habits and private conversations in exchange for access to the benefits of mass production, including remedies for their own sacrificed health. In these areas, those with the ability to generate for the system do just fine or excellent.
Families with cultural lag, such as the poor, badly educated and immigrants - voluntary and involuntary - have to get up to pace, learning the unintuitive ways of the modern, urban jungle. It's hard work, yet with all the access to information, it remains largely possible. The bottom layers who can't keep up get minimal assistance from the government to figure out how to get back into the system or move out to the rural areas.
America is all about navigating the 1,000 shades between these two extremes.
It effectively means: "Our country is fundamentally different from your country, so what works for you won't necessarily work for us. Your success or failure is no reason for us to follow your example."
Often this card is played despite the "fundamental differences" not necessarily being all that pronounced, or all that relevant. No two countries on this planet are identical, yet an astounding number of policies translate generally well despite that.
How having a population of 60+ times higher and oil revenues 10 times lower as a percentage of GDP is not a relevant difference when discussing the amounts being spent per person on a a social safety net?
https://www.cia.gov/library/publications/the-world-factbook/...
Norway is #11 with $68k, the U.S. is #19 with $55k, Canada is #32 with $45k.
Also, oil revenue as a percentage of GDP is hardly relevant. It's not like you're only allowed to spend Oil money on social security.
Why are you so caught up on the idea that the money can only come from oil
Think again on the similar GDP Per Capita rankings, and review this: https://stats.oecd.org/Index.aspx?DataSetCode=SOCX_AGG
Norway only spends about 22% of it's GDP on Social Benefits. The U.S. spends 19.2%. Breaking that down into dollars does tell a different story: Norway spends about 50% more on social benefits than the U.S. does, but you can hardly argue that the U.S. cannot afford it.
To throw Canada into the mix, it spends about 17%. That's a lower percentage of a lower GDP. In fact that would imply that Canada spends approximately 25% LESS on social benefits than the U.S. and has still has free healthcare.
One caveat to this is that I am comparing social benefit percentages from 2014 and comparing them to GDP Per Capita data from 2015, so take the exact numbers with a grain of salt.
The argument I'm trying to make is that it's political, not economic.
I'm a little confused. Her blog and personal site make it seem like it's more of a lifestyle choice than a victim of circumstance. Perhaps both?
Anyway, I don't think social security was designed to be a complete retirement plan. I agree with the author about some laws discriminating those without permanent lodging (e.g. many places it's illegal to sleep in your car), but I hope that able and intelligent people take responsibility for their own retirement.