http://www.cracked.com/blog/5-things-nobody-tells-you-about-...
http://www.cracked.com/blog/the-5-stupidest-habits-you-devel...
http://www.cracked.com/blog/4-things-politicians-will-never-...
Especially the last one.
EDIT: Fixed last link
And so it annoys the shit out of me that when a friend in finance got a $10k raise, all she could talk about was "but I lose half of it to the government!". In some strange world where 30% equals half, she's more concerned about what she lost than the fact that her gain was almost equal to a poor person's annual income. She couldn't even frame her payrise as a positive.
I was discussing poverty with a colleague yesterday, as we were discussing the concept of Basic Income. I mentioned that when I was on welfare, it still wasn't quite enough to keep me fed and housed. His response was "then move house to where it's cheaper". My counter was "firstly, the point of 'social security' is to keep people socially secure, at least for short stints, which means not kicking them out of their homes for a handful of dollars". Secondly, of course, was the ignorance of the fact that moving house is expensive (fiscally and socially), from the hunt, to the security deposit, to the day of shifting furniture, to having utilities hooked up. Thirdly, if the point was to give me welfare in the short term until I get a job, moving house to where it's cheaper is going to make it harder to get a job.
Discussing poverty is difficult, because unless you've been close to it, you won't understand the limitations of being in it. And conversely, if you're currently in it, it's hard to view it in a 'big picture' sense.
Seconded. I was very poor twice in my life. First while growing up, and then for a few years after the downturn (19-23 years old) where I was making 13K-17K per year (post tax/credits, benefits included), working full time, and putting myself through school. I had no financial aid due to having no contact with my parents (a corner case that is poorly handled by the government, try getting anything except loans without a FAFSA). Until two and a half years ago I probably spent only three or four years where I wasn't poor by any standard.
Poverty is definitely something you need to live through to really understand. You can have compassion, commiserate, etc but not a true comprehension unless you've been there. Even then, I know there are levels of poverty I have no understanding of. One I personally experienced was trying to get some help at a free clinic and being denied because I wasn't quite poor enough to qualify. I believe I needed to have a dependent of some kind at my income level. Living through that is something I can't fathom.
Moving is definitely an interesting game. Most of the time I was poor as an adult I lived in a retail store front (that couldn't be rented out, leaky roof, boarded up windows) for $300/month. When I started doing well enough (making more than 20K) to consider an apartment, I went in with three friends because the cost to just get into a place in LA is typically, at minimum, $2000. The lower rent apartments want first, last and deposit, while more expensive apartments just want first and deposit. It's basically impossible to save up 1/10th of your gross yearly income, and it's not like the money is guaranteed to come back to you.
Since you're in a bad spot, and the landlord knows it - otherwise you wouldn't be one of three people in a $1400/month two bedroom apartment, they will play games with you. We had broken plumbing that went unfixed. None of us saw our deposits back. The management company literally pulled down websites as I found phone numbers for people in their offices. For a brief, albeit melodramatic, moment I felt like the protagonist in a man v.s. the oppressive company/government/world movie where I had just caught them and they were trying to pull the curtains over their wrongdoing.
Since I was still working insane hours and going to school, the couple hundred dollars weren't something I could chase after... which is really the sad thing. They knew I couldn't afford to do anything about it. Being inexperienced doesn't help. Yes I could have gone to the city, but I didn't know that back then, and when everyone around you is in the same place, you're often times short on experience. (I've since launched complaints after the fact - I'm not the first this has happened to ;). It's in the city's hands at this point)
Now that I'm doing a lot better, the Cracked articles really hit home. My personal poor habits from those articles is limiting myself to two/three pairs of pants and the paranoid bank account check habit. Even though I typically keep my expenses at half or less of my wages and I know the money is there, I won't sleep that night if I don't check my accounts every few days. When I was poor the next disaster seemed to be right around the corner. It's really hard to shake that instinct.
Being able to really live has been very interesting. I've tried to do as much traveling as I can, something I could never do before. I find myself weighing every permutation of airfare (travel dates, airlines, buying separate round trips for multi city trips), just like I used to do once upon a time when figuring out how to buy a month's worth of groceries in $60.
That said, I'm not immune to doing bad emotional math. I just got a bonus today and the same thought process ran though my head when I saw the amount deposited into my account. It's hard not to. In fact, musing about it is enjoyable. Much more than being rational about it. Money brings out all sorts of emotions.
The problem I have with it is that I like roads, police officers, and all those expensive "leach-feeding" social programs I used to be a customer of; so I quell my irrational anger pretty quickly. Without inexpensive Community College courses I wouldn't have gotten the necessary education or the connection I used to get my first paid internship ($15/hour almost double my previous job) which turned into my career.
Like the Cracked author mentions, yes there are terribly abuses of the money... but I believe the good outweighs the bad.
I don't see any problem with paying that forward. I'm certainly not suffering doing it, even if I occasionally shake my fist at those "Tax and Spend Commies in Congress" for an irrational split second. In a couple years, with some luck and hard work, I'll be making closer to the amount that poor unhappy retired couple from the WSJ graphic was making[1]... all the while dealing with my "poor kid from North Hollywood" mentality.
[1]http://online.wsj.com/article/SB1000142412788732368960457822...
There's more to life than feeling lucky we aren't in bad situations. I'd say ambition is more useful. A million dollars at 4% interest accrues $40k/yr, so in effect any millionaire is given 4x her raise every year just by doing nothing.
That's not a bad thing. It's just a fact of life. But "you should be happy with what you have" is practically a recipe for sabotaging your ambition.
Libertarians might get it done, but there's a serious bootstrapping problem in getting enough people to vote for them that they have a chance. For now, every vote for a libertarian is thrown away to idealism where it could at least be doing something.
If you look at dollars as "lifestyle points", and votes as "societal points", the same reasoning is going on right here: the scarcity of "societal points" is causing the same reasoning about how to vote as poor people have to make for spending.
Not sure what that means - only noticing that there are parallels.
I get the that the safety net helps.
My point is that civil society helps every one.
My one criticism of my fellow liberals is their messaging doesn't appeal to their audience's self interest AND their sense of fairness.
I'm saying 'keep some perspective', not 'don't try to improve your situation'.
That said, I mean, I don't know this person or their friend so it could be a flippant comment the friend made that's being overblown.
Who knows
And you're probably only paying 10% in state tax if you live in California. Most other states' income tax are around 5 or 6 percent, and some are at zero.
[1] http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/240/~/so...
Wtf? That's not how taxes work, guy.
(Which seems fine to me...)
There's also the ambition to build a better society in (some of) us and part of that is paying taxes. Not all ambitions are of a material nature.
I wonder if this is related to "loss aversion" [0]. According to Kahneman's research, people tend to strongly prefer avoiding losses to acquiring gains. She has a net loss in satisfaction because the hit caused by losing 30% of her salary is bigger than the win resulting from making 70%.
So there's a bootstrapping problem which I think is mostly insurmountable. Which is a shame, because it's a good plan, otherwise.
And in some zoning designations, this is actually illegal. For example, years ago I lived in a house in the same town with 4 other guys, but it turned out the maximum number on non-related people allowed in a "single family" dwelling there was 3. The landlord let everyone move in but eventually threatened to kick us out on those grounds.
Things might be different in the States or elsewhere.
But just because you lucked out doesn't mean that it's just as easy for someone else, in another area. To actually create something like this on purpose, somewhere close to where you happen to have gotten a good job? That is hard.
6ren is right, but it's not the whole story. In addition to to being able to have multiple people each entirely responsible for a single lease, we (Australia) have a very generous "student allowance" scheme for most students. This guarantees us students a fortnightly income that is almost certainly at least whatever we would be paying in rent + utilities.
My situation is such an example. I live with three other students and one adorable puppy in an expensive city (Brisbane, Queensland - Numbeo.com estimates Brisbane's living costs as ~87% of NYC's). We live just ~5km or ~3 miles from either of the two local universities, and just above 2km or ~1.5 miles from the CBD. Rent is not cheap in our area.
Yet we had no insurmountable problems obtaining a lease. Rental applications are competitive in this area, so we did have to apply for a lot of leases - but credit concerns were never a problem. Despite being employed for maybe just 12 hours a week each, money is not in question - there are four people each entirely responsible for the rent who are guaranteed social benefits that amount to at least enough for their share.
Unemployed Australians also receive similar social benefits provided they keep applying for jobs.
Youth Allowance with Rent didn't cover my rent in a share house, or even bills. When I didn't have more than one part time job I was relying on money from my Mother to pay the rent.
Realestate.com.au affords some pretty nice share housing at that rate.. :) I admit it's not the standard of housing that I grew up in, but why would I be entitled to such? ;)
But try it in a non-university town where non-students vastly outnumber the students? I don't think so. The landlord has everything to risk and nothing to gain by doing strange and unfamiliar things. If they have even heard of the practice, it's only for students, in student-dense areas, in housing long used in this way, with all the features (internal locks for each room, etc.). Why would they risk their nice house when they can just rent to somebody else?
Rents are expensive. It makes no financial sense to live by yourself.
Even in my home town - which has no substantial university - it's generally assumed that if you rent and do not have dependents, you almost certainly have housemates.
I wonder if this acceptance will keep once the economics changes?
It's like standing on one leg; if that leg crumbles, you will fall and land hard. But if you have two legs, one leg can crumble and the other gives you enough time for you to land gently. If you... magically had a third leg (and weren't standing with them in a triangle?), you might not even notice that one leg stopped working.
Houses there are so cheap that this kind of plan would probably work as long as you had enough human will and intention to make it happen. As far as I can tell, that is where these things break down. It's hard for groups to form this kind of collective dynamic and trust in the absence of some cohering force - religion, a focal point like a cult leader, or similar influences.
[1] Well, OK, two syllables.
There are some cool people who are broke and want to live communally, but there are also some people who do that because they don't have their lives together.
To make it work, houses are better than apartments. More than 4 people is too much, and you really need to trust and respect the other folks you live with.
You also need to be able to not sweat the little things--having people ask if they need to pick up an extra X when they go to the grocery store is handy. Living close to a grocery store (within walking distance) is even handier.
Also, you need to not be messy party folks--your landlord is much more likely to give you an easy time if they don't see evidence of this. Talk to your landlord semi-frequently to touch base and let them be secure in their investment.
Your idea is functionally the idealized vision for how welfare works.
I felt that she wanted to believe she lived alone but couldn't handle the fact that both of us needed the other for the apartment sharing to really work.
Strokes of fate that lead to poverty are one side, but the side is reproding if you are poor: I consider this as highly irresponsible - for you as for your children.
Seriously, think about what you're saying here. Also, be aware that severe poverty is actually the best reason to have children. If some manage to survive, they're your best chance for care in old age.
Indeed, that's why birthrates tend to be the highest in the most desperate places on Earth. And that's why there's no surer way to reduce the birthrate than to develop social insurance structures that are strong enough and equitable enough for people to feel that they don't need to have lots of children for one or two to survive, and that they won't be utterly dependent on those they do have for care in their dotage.
- Calling the GP an asshole and implying that they aren't "terribly intelligent" can only serve to detract from your argument.
EDIT: At least you took out the asshole comment
* entitled to have children [1]
* entitled to financial and other aid to raise those children safely and securely [2]
[1] UDHR, Article 16, paragraph (1) http://www.un.org/en/documents/udhr/#a16
[2] UDHR, Article 25, paragraph (2) http://www.un.org/en/documents/udhr/#a25
That's like saying the bible is true because the printer exists, or the church, which is of course trivially true. That some organisation is behind a document does not make it true or false.
And keep in mind that the League of nations (the creators of the UN) came forth from the Red cross, which was a division of the army that guards of the pope.
Libertarians would never come up with the idea that only the richest should be allowed since this would be a deprivation of freedom (which libertarians appreciate).
I didn't they that only the richest people should have children. I only claim that it is irresponsible to produce children if you don't have enough financial security: both for the expenses and for the fact that the child will suffer from the poverty.
Also, it doesn't take much education to become aware of this country's long and unbroken history of race-based brutality (slavery, Jim Crow, and the War on Drugs to say nothing of the outright genocide inflicted on Native Americans). Nor do you have to be exceptionally thoughtful to recognize the resulting correlations between race and poverty that persist today. And given how deeply engrained these problems have become, saying "poor people simply shouldn't reproduce" is tantamount to insisting that entire races suddenly give up on themselves in a sweeping acts of self-destruction. Which, yeah, right. Maybe go fuck yourself?
There's another, far more decent response to systematically denigrated people who struggle mightily to raise their kids: you help them.
More seriously, you never 'know' that you'll be perfectly economically steady and care-free for the 18+ years required to raise a child to middle-class American standards until that time has passed--at which point you probably shouldn't be reproducing anyways due to age-related defects.
Unless you are talking about "Hey, I'm in a homeless shelter, lemme get knocked up/knock up because why not", you paint in too broad strokes.
I still think fish is poor people's food and won't eat it again.
Because childbearing is not a rational choice -- it's a visceral response to the most basic of biological drives, drives that won't brook interference from something as peripheral as intelligence.
Look at the fertility numbers : if the rich were made responsible for producing the nation's offspring ... well there wouldn't be a future for America.
Furthermore, there is nothing that increases happiness half as much as having a child.
http://www.un.org/en/documents/udhr/#a16
http://www.un.org/en/documents/udhr/#a25
And if the problem is food, then I would say the US is violating far more than just those 2 rules.
I don't. I think a little socialism is healthy. But I defy you to solve this without screwing over at least one large group of voters. If that were possible, it probably would have been done already.
USA was a perfectly fine country back in 1990 when it had 250m people; and it would be a perfectly fine country if it'd have 250m people today instead of the current 315m.
In fact (contrary to "nothing that increases happiness half as much as having a child") I'd say that the Earth might be a happier place if the future had, say, 1-2 billion people instead of the current 7b or expected 10b - as everybody would have a larger share of the fundamentally limited natural resources, freshwater and space.
If the current resources were distributed somewhat fairly, then noone could have a lifestyle approaching even the "first world" working class - quality life is possible either for an unfairly small part of population, or if there is less population in the first place; and low-by-choice fertility is the most reasonable way to achieve that.
When the health of your social programs is based on continued population growth the future may indeed be grim without it.
However, the bane of those social programs is quickly increasing lifespans. No matter if population growth is zero or huge, if you're currently below 45, you anyway have to "prepare for yourself" rather than expect them to survive in the current form - unless the retirement age moves beyond 80 within this decade.
A variety of factors, primarily two:
1. Poor people tend to have poor education, and are rarely if ever taught about things like birth control.
2. Poor people also tend to be very religious, and in America at least the main religion is anti-birth control.
It is true that there are a lot of things that suck, that few people with access to resources really empathize with those in scarcity trap. Thing is, people are not as helpless as they like to think they are.
Because being poor is a complete absence of freedom. If you want to get out of it, you need to follow extremely rigorous lifestyle (like the one published by MacDonald) for decades, with each mistake costing you years of saving.
That is doable in the country side, but in urbanised area where you are bombarded 24/7 with adds, tempted by very easy credit, surrounded by toxic peers in a society that hates you ? If you think it is, then consider that you also start with a 13 IQ handicap().
Picture that as trying to be on a very strict diet while working drunk in your favourite sweet factory, with everybody around you gorging themselves, even those that shouldn't.
() http://www.businessinsider.com/poverty-effect-on-intelligenc...
There are many incentives to being irresponsible today, and learning about being responsible with resources involves having some non-volatile resources with which to be responsible to start. When you grow up surrounded by scarcity and a general attitude of helplessness and irresponsibility, it's really hard to develop a responsible approach to life. As a culture, I think we tend to encourage continued irresponsibility. It seems to me that in the world we've created, just a little responsibility doesn't pay--to get off to a viable start, one really needs a critical mass of responsibility, which is difficult to acquire on your own with no resources.
People are not as helpless as they think they are, but they have little way of knowing it without the benefit of having already had the experience of having resources and responsibility.
However, if you are reacting to past associations with rewards and punishments, you are not being response-able. Being responsible doesn't mean, "I am going to be a responsible adult," as in, "I am fulfilling this socially-conditioned image of an 'adult'." Responsibility means being able to make choices (whether they are informed, or not, wise or foolish, it does not matter; there is no such thing as a "responsible choice"), then accepting all the consequences of each choice. It's only when you accept what is, is, are you able to respond with more choices and actions. People tend to want to make choices, yet avoid accepting the unexpected or undesirable outcomes of those choice. By avoiding or deluding themselves into thinking the undesirable did not happen, they compound avoidance with more avoidance until they are paralyzed, unable to act. They are unable to respond.
Sometimes, to avoid a trap, you have to let things go. You let go of what seems to be urgent, accept the consequence of letting go of the urgent, in order to make room to climb out of the trap. Or to use a more concrete metaphor: if your foot is caught in a bear trap, and the bear is coming after you, and you don't want to be eaten, then chop off your foot. (That or just sit down and die with dignity).
Yes. It sucks. Yes, it will hurt. Yes, you might still die of infections, bleeding out, or get chased down by the bear. Or maybe the bear gets distracted by the newly chopped-off foot and you're able to hobble away. What is, is. You choose, you accept.
So most people who think of themselves as responsible adults are not actually responsible. They are simply re-enacting behaviors and emotional patterns of a child with a parent; the parental figure often being society and other authority figures. This re-enactment happens whether someone grows up in an environment of scarcity or abundance. In face of situations that really suck, these folk regress into the helpless child, hoping someone else will make the hard choices for them or magically make things better. Or lament that, they've done all the right things, it's not fair that things suck.
People who think of "responsibility" this way tends to use paternalistic language -- something, I think, that your word usage suggests.
Many people use the term in the prescriptivist fashion you critize, which makes it hard to respond to those ideas without using the term. I'm not sure what else one could call it. Prescribed responsibility? Whatever you call it, it's really easy for those with many resources to make rules of "responsibility" that make little sense to those who have no resources, and then to criticize those without the resources for being "irresponsible". That was what I meant with my original comment--it's easy to be "responsible" in the making-sure-things-go-well sense when you have enough resources to pay your way out of bad choices. Responsibility in the sense of accepting-the-consequences-of-your-actions-and-moving-on-from-there certainly has a different formulation that isn't dependent on having resources.
Thanks for your comments--I think there really are two separate ideas of "responsibility" being discussed, which I'd never really thought about much before. The two shouldn't be conflated, but I think they are all the time. When I first wrote my original comment, I wasn't quite convinced about the idea myself, but I thought it was interesting enough to put forward as an idea. You've helped me unravel which part of it doesn't quite seem right and which part rings true.
However, it wasn't until in the past couple years that I understood "acceptance" (and that understanding is not acceptance). That required practicing a specific form of mindfulness meditation, called Vipassana, or insight meditation. All of Vipassana is simply accepting the sensations, emotions, and thoughts as they arise ... and pass. Usually, there are comfortable and comforting sensations, emotions, and thoughts that we don't want to let go of, and ugly stuff we don't want to experience. Acceptance is acceptance, whether stuff comes up or passes on. Usually, people's fundamental, existential misery kicks in and they run away from Vipassana. Your mileage may vary.
The rules-based, considered-in-advanced "responsible choice" is more akin to expectations and standards. That is, one's outwardly measurable behavior can be observed and held up against a standard. This is the typical way a child is socialized.
The other, responsibility in the sense of accepting-the-consequences-of-your-actions-and-moving-on-from-there falls more along the lines of, "with great responsibility comes great power." It's really the language of power (and as a side-effect, freedom and resources). It's choice after stripping away the social expectations.
I have discovered (and experienced) a way to teach a child how to make choices, accept its consequences, and move from there. It requires a teacher who has been initiated in this. When the child makes a choice, the teacher engages in a conversation to probe the motivations. Is the choice really Choice, or are there some underlying hidden agendas. (For example, the child might be thinking, "If I do this, then Dad will be proud of me, and I will feel accepted."). It's only when these hidden agendas are stripped away from the child, then the teacher points out that this is Choice. "Ok. You chose this. Here is what you do."
The teacher then shows a little bit of the practice to accomplish it, and then sits there with the student and let the child do it. (Not read a book, not watch Netflix, not go away and leave the child to it; the presence of mind of the teacher witnessing is actually very important). It is very important that the teacher never hold the child's hands. If you've stripped away all the hidden agendas and motivations, then if you hold their hand, they are not really accepting the consequences of Choice. You're not accepting their Choice. It is, however, OK, to answer questions, to correct incorrect attempts after the fact (typical newbie mistakes like, forcing things, or going too fast, and sometimes demonstrating something once the child has tried it first).
It's even ok if the child feels overwhelmed by the Choice. That's actually an awesome initiation. The typical response is to seek an adult figure to do it for them. This is where the teacher maintains discipline: the child has to do it for himself. Reminders that, "you chose this" often helps. Usually, the child is not really struggling with the challenges of task or skill, but rather, struggling with inner aversions and inability to accept the suffering that comes with the work.
However, when the child gains some achievement in the task, he knows for sure that it wasn't because people did it for him. He knows it wasn't because someone else expected it of him. He knows it resulted from his effort. He knows to his bone, he chose to do something and he did it himself. External praise isn't required. (What's the point? You know you accomplished it, the presence of praise from the outside is irrelevant). Often though, continued discipline to have the child keep practicing is needed. (Once is not enough, that's why it is called "practice"). Usually, as the skills mature, and as the child matures, the child grows into adulthood with the capability of disciplining himself.
If it sounds intense and a lot of work, it is. It requires a lot of attention from the teacher. It's not scalable. In fact, this dynamic is closer to the older master-apprentice model of instruction (assuming the master didn't have his own hidden agendas).
What you end up with though, is someone who knows how to grow into tasks bigger than himself.
In other cases (for example ecological awareness etc.) there is - unluckily - a chance that you are right.
No, lack of contraception is not the issue here either. What, do you think that because you have low monetary gain you are perpetually unhappy and would not want to have children? That all procreation coming the poorest are mistakes and accidents?
That's quite a nice bubble there. Sorry to burst it.
If two people love each other enough, they might want to have a child. Yes, even if the future is unclear. Yes, even if it means selling the car, taking the public transportation and working over time and having multiple jobs. Whether the situation is permanent or temporary is not even an issue here.
Plus. Having a marriage and children, and getting all financial assistance needed to achieve that is a human right.
The US has signed the treaty enshrining that principle into law ... case closed.
Accidents being the exception, having a child is a huge decision. Especially if you are quite poor.
I have no idea what your personal experience of life is, nor your background. But you seem to have some skewed vision of life if you believe that "these people" shouldn't "produce children" as if the poor were not even humans.
Poor people have children for the same reasons rich people do. The only exception being that there are less gifts at christmas.
Are they robots for practicing family planning? Do they not familiar with "love"?
Because "love" totally makes condoms not work.
He doesn't know any poor people, because he's more than likely rich (they have an average net worth of $10m) and has no reason to associate with them. And he doesn't know any small business owners because the US Capitol complex supplies everything he needs -- haircuts, dry cleaning, catering, car service. And the lobbyists that come to see him? Defense industry, insurance industry, agribusiness, etc. Not Jim's Handyman Services.
http://whatever.scalzi.com/2005/09/03/being-poor/
I was deeply moved by that piece.
As someone who comes from a country where 'gas' is a shit load more expensive than the US because of tax I call utter bullshit. It costs about 20-40p to go to a supermarket, or at most a dollar in your US terms. Over here there's also a massive competition war going on at the moment between Tesco & Sainsbury's for local convenience stores which have a good percentage of your normal weekly shop if you were buying everything fresh.
I suspect that mom just preferred to serve up frozen shit. And bullshit again on stuff like TV dinners being cheaper than other foods, they're certainly not over here in the UK. A simple chilli or bolognese is much cheaper if you buy the raw ingredients than any processed foods.
I suspect the problem's more that Mom just doesn't know how to cook.
Also, it's hard to have time to cook when you're working two jobs.
http://www.eia.gov/todayinenergy/detail.cfm?id=9831
http://www.thisismoney.co.uk/money/cars/article-2127644/Worl...
The first and the third links are the same - did you mean to post only two?
I've never been able to explain my childhood satisfactorily (to me, to see the listener get it) to anyone. Less still why I made myself homeless and slept rough.
But those three articles... at a certain point, throwing in your hand is the best thing you can do. At least you've broken the cycle and now have the freedom to figure out your way out.