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Old 12-12-2013, 11:04 AM  
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Understanding Poverty

20 things the poor deal with daily:

http://benirwin.wordpress.com/2013/1...-do-every-day/

Dave Ramsey probably wasn’t expecting this much pushback when he shared a piece by Tim Corley contrasting the habits of the rich with those of the poor. In her response on CNN, Rachel Held Evans noted that Ramsey and Corley mistake correlation for causality when they suggest (without actually proving) that these habits are the cause of a person’s financial situation. (Did it never occur to them that it might be the other way around?)

Ramsey fired back, calling the pushback “immature and ignorant.” This from a guy who just made 20 sweeping assertions about 47 million poor people in the US — all based on a survey of 361 individuals.

That’s right. To come up with his 20 habits, Corley talked to just 233 wealthy people and 128 poor people. Ramsey can talk all he wants about Corley’s research passing the “common-sense smell test,” but it doesn’t pass the “research methodology 101” test.

To balance the picture a bit, I wanted to take a fact-based look at 20 things the poor do on a daily basis…

1. Search for affordable housing.
Especially in urban areas, the waiting list for affordable housing can be a year or more. During that time, poor families either have to make do with substandard or dangerous housing, depend on the hospitality of relatives, or go homeless.
(Source: New York Times)

2. Try to make $133 worth of food last a whole month.
That’s how much the average food stamp recipient gets each month. Imagine trying to eat well on $4.38 per day. It’s not easy, which is why many impoverished families resort to #3…
(Source: Kaiser Family Foundation)

3. Subsist on poor quality food.
Not because they want to, but because they can’t afford high-quality, nutritious food. They’re trapped in a food system that subsidizes processed foods, making them artificially cheaper than natural food sources. So the poor are forced to eat bad food — if they’re lucky, that is…
(Sources: Washington Post; Journal of Nutrition, March 2008)

4. Skip a meal.
One in six Americans are food insecure. Which means (among other things) that they’re sometimes forced to go without eating.
(Sources: World Vision, US Department of Agriculture)

5. Work longer and harder than most of us.
While it’s popular to think people are poor because they’re lazy (which seems to be the whole point of Ramsey’s post), the poor actually work longer and harder than the rest of us. More than 80 percent of impoverished children have at least one parent who works; 60 percent have at least one parent who works full-time. Overall, the poor work longer hours than the so-called “job creators.”
(Source: Poverty and Learning, April 2008)

6. Go to bed 3 hours before their first job starts.
Number 15 on Ramsey and Corley’s list was, “44% of [the] wealthy wake up three hours before work starts vs. 3% of [the] poor.” It may be true that most poor people don’t wake up three hours before work starts. But that could be because they’re more likely to work multiple jobs, in which case job #1 means they’re probably just getting to bed three hours before job #2 starts.
(Source: Poverty and Learning, April 2008)

7. Try to avoid getting beat up by someone they love.
According to some estimates, half of all homeless women in America ran away to escape domestic violence.
(Source: National Coalition for the Homeless, 2009)

8. Put themselves in harm’s way, only to be kicked to the streets afterward.
How else do you explain 67,000 63,000 homeless veterans?
(Source: US Department of Veterans Affairs, updated to reflect the most recent data)

9. Pay more than their fair share of taxes.
Some conservative pundits and politicians like to think the poor don’t pay their fair share, that they are merely “takers.” While it’s true the poor don’t pay as much in federal income tax — usually because they don’t earn enough to qualify — they do pay sales tax, payroll tax, etc. In fact, the bottom 20% of earners pay TWICE as much in taxes (as a share of their income) as do the top 1%.
(Source: Institute on Taxation & Economic Policy, January 2013)

10. Fall further behind.
Even when poverty is the result of poor decision-making, often it’s someone else’s choices that make the difference. If you experience poverty as a child, you are 3-4 times less likely to graduate high school. If you spend your entire childhood in poverty, you are 5 times less likely to graduate. Which means your future has been all but decided for you.
(Sources: World Vision, Children’s Defense Fund, Annie E. Casey Foundation)

11. Raise kids who will be poor.
A child’s future earnings are closely correlated to their parents’ earnings. In other words, economic mobility — the idea that you can claw your way out of poverty if you just try hard enough is, more often than not, a myth.
(Sources: OECD, Economic Policy Institute)

12. Vote less.
And who can blame them? I would be less inclined to vote if I didn’t have easy access to the polls and if I were subjected to draconian voter ID laws that are sold to the public as necessary to suppress nonexistent voter fraud.
(Source: The Center for Voting and Democracy)

13. When they do vote… vote pretty much the same as the rest of us.
Following their defeat in 2012, conservatives took solace by reasoning that they’d lost to a bunch of “takers,” including the poor, who voted for Democrats because they want free handouts from big government. The reality is a bit more complex. Only a third of low-income voters identify as Democrats, about the same for all Americans, including wealthy voters.
(Sources: NPR, Pew Research Center)

14. Live with chronic pain.
Those earning less than $12,000 a year are twice as likely to report feeling physical pain on any given day.
(Source: Kaiser Health News)

15. Live shorter lives.
There is a 10-14 year gap in life expectancy between the rich and the poor. In recent years, poor people’s life expectancy has actually declined — in America, the wealthiest nation on the planet.
(Source: Health Affairs, 2012)

16. Use drugs and alcohol pretty much the same as (or less than) everyone else.
Despite the common picture of inner city crack houses, drug use is pretty evenly spread across income groups. And rich people actually abuse alcohol more than the poor.
(Source: Poverty and Learning, April 2008)

17. Receive less in subsidized benefits than corporations.
The US government spends around $60 billion on public housing and rental subsidies for low-income families, compared to more than $90 billion on corporate subsidies. Oil companies alone get around $70 billion. And that’s not counting the nearly $60 billion a year in tax breaks corporations enjoy by sheltering profits offshore. Or the $700 billion bailout banks got in 2008.
(Source: Think By Numbers)

18. Get themselves off welfare as soon as possible.
Despite the odds, the vast majority of beneficiaries leave the welfare rolls within five years. Even in the absence of official welfare-to-work programming, most welfare recipients enroll in some form of vocational training. Why? Because they’re desperate to get off welfare.
(Source: US Department of Health and Human Services)

19. Have about the same number of children as everyone else.
No, poor people do not have loads of children just so they can stay on welfare.
(Source: US Department of Health and Human Services)

20. Accomplish one single goal: stay alive.
Poverty in America may not be as dire as poverty in other parts of the world, but many working poor families are nonetheless preoccupied with day-to-day survival. For them, life is not something to be enjoyed so much as endured.

These are the real habits of the poor, those with whom Jesus identifies most closely.
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Old 12-13-2013, 12:08 PM   #121
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He actually believes people care about his opinions, it's quite hilarious. He's like the stumbling drunk at closing time screaming wildly at everyone while the other patrons just stare in amusement at the tool.

I have the little fellow on ignore. He's a walking talking idiot that hits the men's bars on the weekends. Sad actually.
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Old 12-13-2013, 12:10 PM   #122
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I have the little fellow on ignore. He's a walking talking idiot that hits the men's bars on the weekends. Sad actually.
Is that because you can't control yourself when you respond to me?
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Old 12-13-2013, 12:12 PM   #123
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Yup, your a ****ing dumbass.

Vaccines. Yes, you should vaccinate your child. The science behind vaccines and their effectiveness is strong. The only people who argue otherwise are innumerate luddites.

Gun legislation. I've said multiple times that we don't need additional gun control laws. We do however need to better identify who shouldn't own guns (crazy people).

Taxation. I'm for a progressive income tax. I'm also for a dramatically simplified tax code without many of the deductions and credits that we currently have. A simplified tax code would save billions on tax evasion/avoidance and would allow us to have lower statutory rates. In addition, we should lift the payroll caps on SS/Medicare taxes to make those programs solvent for several decades.

Wages. I've never advocated a wage cap. I do stand for an increase in the minimum wage because it has failed to keep pace with inflation (that doesn't mean I agree with Loneiguana that it should be $15).

So once again, you're wrong on just about everything about me. Try again jackass.
Can you even have a conversation without acting like you're 12 years old?
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Old 12-13-2013, 12:15 PM   #124
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Can you even have a conversation without acting like you're 12 years old?
Can you even have a conversation that's beyond the level of a 12 year old?

simpleton is simpleton.
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Old 12-13-2013, 12:16 PM   #125
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The little runt named race card native told me he was from a bad area of town.

I checked with a Sargent of a police force in KC he said indeed it is bad. He said that all the boys their were molested and raped and the gangs target men to rape.

The priest at the local church fondled many a boy also. I remember him bragging he grew up catholic so that explains him even more.

I feel sorry for the tiny feller as he's had a hard life and just cry's for attention here.
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Old 12-13-2013, 12:18 PM   #126
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If you are poor, the pell grant generally takes care of tuition with money left over. Federal loans are guaranteed. Seriously, anybody can go to school if they want to.

The problem is in the mindset of the poor. So many rely on luck and so many live check to check. An investment in the future is not even in the vocabulary nor is delayed gratification.

If there's money to be thrown at, that would yield good benefits, it would be teaching to get out of the mindset of being perpetually poor.
To some extent, I suspect that knowledge and exposure plays a role. If you're poor and don't know anyone who has gone to college, you may not know that you can get a Pell Grant or other aid.

I was a first-generation college student and had no one around me who'd gone to college, and I kick myself over not pursuing an Ivy League school. I never tried because I assumed it was completely out of reach, but I think there's a reasonable chance that I would've gotten a full ride at one based on various attributes.
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Old 12-13-2013, 12:19 PM   #127
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The little runt named race card native told me he was from a bad area of town.

I checked with a Sargent of a police force in KC he said indeed it is bad. He said that all the boys their were molested and raped and the gangs target men to rape.

The priest at the local church fondled many a boy also. I remember him bragging he grew up catholic so that explains him even more.

I feel sorry for the tiny feller as he's had a hard life and just cry's for attention here.
We didn't have gangs in our neighborhood.

Also, I've never bragged about being catholic either. I wasn't raised in a church. I've probably attended less than 15 worship services in my entire life.

closet case homosexual is closet case.
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Old 12-13-2013, 12:20 PM   #128
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I was a first-generation college student and had no one around me who'd gone to college, and I kick myself over not pursuing an Ivy League school. I never tried because I assumed it was completely out of reach, but I think there's a reasonable chance that I would've gotten a full ride at one based on various attributes.
I'm in the exact same boat. I had the numbers to go to any school in the country post high school, but the cost of attending an elite school was daunting to me (plus the travel costs to go back home and my family is very important to me).

If I knew then what I know now, I would have gone the Ivy route.
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Old 12-13-2013, 12:24 PM   #129
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Just the act of having to work or study all day to get your pay has huge benefits. The percentage of people on assistance that just don't want to do anything is very high. Anyone who employs workers at under $20 hr. sees this all the time.
I've never understood why benefits don't require work. Granted, there are some people who really and truly can't work, but if you're getting unemployment, for example, you are by definition able to work.

We have lots of public infrastructure that could use help. Put those folks on pothole duty or have them pick up trash or do trail maintenance at the park. Have them tote wheelbarrows for the big dam construction project. If you say you're looking for work, you should be available for work. Make it 20 hours per week so you can go do interviews and stuff, but your unemployment pay should be directly related to the hours worked on these infrastructure projects.
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Old 12-13-2013, 12:33 PM   #130
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I've never understood why benefits don't require work. Granted, there are some people who really and truly can't work, but if you're getting unemployment, for example, you are by definition able to work.

We have lots of public infrastructure that could use help. Put those folks on pothole duty or have them pick up trash or do trail maintenance at the park. Have them tote wheelbarrows for the big dam construction project. If you say you're looking for work, you should be available for work. Make it 20 hours per week so you can go do interviews and stuff, but your unemployment pay should be directly related to the hours worked on these infrastructure projects.

THe Unions basically did away with any work/benefit program if the work is normally done by a union person, or the govt would have to pay Union scale for the work.
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Old 12-13-2013, 01:06 PM   #131
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I've never understood why benefits don't require work. Granted, there are some people who really and truly can't work, but if you're getting unemployment, for example, you are by definition able to work.

We have lots of public infrastructure that could use help. Put those folks on pothole duty or have them pick up trash or do trail maintenance at the park. Have them tote wheelbarrows for the big dam construction project. If you say you're looking for work, you should be available for work. Make it 20 hours per week so you can go do interviews and stuff, but your unemployment pay should be directly related to the hours worked on these infrastructure projects.
I've been saying this for years. Food stamps, unemployment, welfare - any social assistance should require work. They might has well make it a government jobs program.

Taxes are also far too low on the upper incomes. And I'm not talking about $250k/year. I mean $10 million plus per year. Bring back the top tax rates of 50% to 90%. Force companies to invest in the business rather than extract out of it and then sit on it. There's a reason that all of these companies are just sitting on trillions of wealth - it is human nature to hoard. It's government's role to redistribute and make sure the economy can continue to flourish for all.
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Old 12-13-2013, 01:33 PM   #132
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I've been saying this for years. Food stamps, unemployment, welfare - any social assistance should require work. They might has well make it a government jobs program.

Taxes are also far too low on the upper incomes. And I'm not talking about $250k/year. I mean $10 million plus per year. Bring back the top tax rates of 50% to 90%. Force companies to invest in the business rather than extract out of it and then sit on it. There's a reason that all of these companies are just sitting on trillions of wealth - it is human nature to hoard. It's government's role to redistribute and make sure the economy can continue to flourish for all.
Jesus Christ people, Food Stamps DO require work. Unemployment... Guess what, that means you had to have a job. Hence Unemployment. You don't get unemployment without working.
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Old 12-13-2013, 01:36 PM   #133
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Its like wackamole…just wait, Iguana will pop up, say something amazingly stupid, get wacked, and go away til he forgets what happened.
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Old 12-13-2013, 01:41 PM   #134
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Jesus Christ people, Food Stamps DO require work. Unemployment... Guess what, that means you had to have a job. Hence Unemployment. You don't get unemployment without working.
Food stamps do not require work. They require you making less than a cutoff. As far as unemployment, I wouldn't consider that as welfare, as an employer pays for unemployment insurance.
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Its like wackamole…just wait, Iguana will pop up, say something amazingly stupid, get wacked, and go away til he forgets what happened.
I'm surprised you can state something without a weaselzipper quote or starting a new thread about it.
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Old 12-13-2013, 01:42 PM   #135
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10 Harsh Truths That Will Help You Grow


December 12 by Scott Christ in Communication, Motivation |

In the game of life, if it often seems like you’re on the losing end of things, you’re not alone. Life can be one giant conundrum filled with ups and downs. When you feel like you’re experiencing more downs than ups, sometimes it helps to get a little tough love once in a while. That’s why we put together this list of 10 harsh truths that will help you grow.


1. Life isn’t fair.

Life will hand you lemons, often when you least expect it. The sooner you embrace this harsh truth, the better prepared you’ll be to handle tough situations that are sure to arise.


2. The first step is always the hardest.

Let’s face it: changing bad habits is tough. Research proves it. Chinese philosopher Lao Tzu once said, “The journey of a thousand miles begins with a single step.” So if you want to change something, start with baby steps. Take a small action–any action–and grow from there.

3. Good things usually don’t come quickly.

Great accomplishments in our lives normally don’t come easy. And if you think about it, would you have it any other way? There’s a basic psychological principle called instant gratification, which means that we expect to get rewards instantly. But sometimes you need to fight the impulses your brain throws at you and trust that the journey you’re on is the right one.

4. Not everyone will support you along the way.

In life, there’s no shortage of doubters, haters, and pessimists. Overcoming this harsh truth is simple: don’t listen. Choose to stick with your guns, trust your instincts, and forget about people who don’t support your goals and passions.

5. You can’t always be in control of everything.

Listen, letting go is hard, especially if you’re a go-getter. But if you want to continue to grow, there are times when you need to relinquish your control on everything and let things unfold how they’re meant to be. This doesn’t mean your mentality for everything should be “wait and hope.” You can still strive for greatness, but put the work in and then let go with complete faith that the universe will make things right for you. You’ll be amazed at how well it works.

6. You can’t accomplish great things without taking great risks.

Here’s another harsh truth many people have trouble grasping: if you don’t take risks you will have a lot harder time accomplishing what you want in life. People who truly change the world are the biggest risk takers. They’re the ones who are willing to put everything on the line and fail for something they believe in. And they treat each failure as an opportunity to grow and get better.

7. You may be better off without some of the people you currently care about.

This one is tough to hear, I know. But chances are, there’s someone in your life you care about deeply who is holding you back. That’s not to say you should give up on the people you love. However, there comes a time when you need to make the tough decision to say no to people who aren’t helping you grow.

8. Death is a part of life.

Nothing can prepare us for the earth-shattering pain of losing a loved one. The harsh truth of life is that it’s a viscous cycle. However, there’s something you can do to make losing someone you love a lot less painful: make them a part of your life right now. Don’t put off making that phone call or paying a random visit to a friend or family member you haven’t seen in a while. Treat every moment with your loved ones as if it’s your last, and you won’t have any regrets
.
9. You are the only thing holding yourself back from greatness.

Often we get so caught up hoping for the next great thing that we don’t realize what’s unfolding right in front of our faces. Don’t hold yourself back with negative thoughts. Instead, focus on the positive things you have going in your life. Choose to be happy right now.

10. Sometimes bad things happen to good people.

Suffering is part of life. But here’s the cool thing: it makes us stronger. There’s a randomness to how the world works that’s really hard to understand. We see evidence of this every day, and it can really make you question the future of mankind. How you choose to view the world is up to you. Just remember, the truth, however harsh, will set you free.

http://www.lifehack.org/articles/com...-you-grow.html
__________________
"As I walked out the door toward the gate that would lead to my freedom, I knew if I didn't leave my bitterness and hatred behind I'd still be in prison."


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