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RE: keeping the poor in the poorhouse - 4/15/2008 10:22:20 AM   
subtee


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quote:

In that case her mistake was not being pessimistic enough.


Jaysus, isn't that the truth? When in doubt assume the worst.

Long gone is "there but for the grace of god, go I."

Sad.

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RE: keeping the poor in the poorhouse - 4/15/2008 11:22:43 AM   
popeye1250


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Obviously we need new legislation and laws.

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RE: keeping the poor in the poorhouse - 4/15/2008 1:24:13 PM   
DesFIP


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I've never known of an auto insurance company that turns people down for poor credit. You pay for auto insurance upfront or month by month. You lose insurance for bad driving.

I know of a man who lost his license for DWI's and kept his job. He bicycled 15 miles each way in all kinds of weather. Saved a lot of money and got a lot of exercise. She can't bike to a central location where she could join a car pool or reach public transportation?

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RE: keeping the poor in the poorhouse - 4/15/2008 2:38:24 PM   
LaTigresse


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My adult son has lost his license multiple times. He has legs and a bike. He has also used public transportation. He has always been employed.

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RE: keeping the poor in the poorhouse - 4/15/2008 4:31:28 PM   
stella41b


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quote:

ORIGINAL: popeye1250

Obviously we need new legislation and laws.


True, but first we need a new way of thinking - we need to ditch the idea that making profits is somehow synonymous with success and not having money is synonymous with failure. This is a myth.

Being successful has nothing to do with how much money you make, but has more to do with the quality of life you enjoy.

The problem is most people assume that having money means being successful, and that if you don't have money or are unable to provide your own income you are a failure. What is more conditioning people to be competitive only serves to cause them to differentiate between each other more, and this is how people end up being stigmatized.

Social stigma is the biggest issue on this planet today - it causes prejudices, poverty, crime and has led directly to what is probably going to be one of the most expensive wars in history. People become stigmatized for three reasons (1) the way they look or appear, (2) the way they behave and (3) so called 'tribal' stigma pertaining to a large group of people, for example people of a particular skin colour, nationality or religious beliefs.

Stigmatization is a four stage process (1) differentiation of the victim through an 'us' and 'them' attitude, (2) stereotyping and labelling of the stigmatized person (3) exclusion of the stigmatized person from 'us' or society and (4) denial of equality, discrimination and ostracization.

There are those who claim that poor people are responsible for their own poverty. This is only partially true. Man is a social animal and as such naturally functions in groups - whether it be a family, a community or society. Acceptance from others is a key issue, and what happens during the process of stigmatization is that through reinforcement from other people the stigmatized person also stigmatizes themselves. Therefore it is more accurate to say that poor people are responsible for their own poverty only because they have been conditioned to be responsible for their own poverty by others.

It would appear that the world is running out of resources, and what appears to be more threatening, is that we are also running out of money to be able to exploit those resources.

Another problem is that we have got to start facing facts. One fact that we all have to face is that in 1946 we were all lied to by Roosevelt, Churchill and Stalin. The Second World War didn't end in 1945. We are still fighting the Second World War today. Before we can hope to find any solution we need to stop fighting the Second World War.

This might be a rather revolutionary and new concept for many people reading this - but please - stop and think about it for a minute. What was the reason for the Second World War in the first place? Was it not Hitler's fear of Stalin's Bolshevikism? Was it not a conflict between the politicial ideology of the right versus the political ideology of the left? Okay, so now you're sitting in front of a computer, go check your history, examine the facts, all the way through from the Potsdam Conference right through until today. And what do you see?

I'm not going to tell you here.. you go check your history and facts and see what you make of it.

We also need to stop talking about 'wealth redistribution' - it puts people on the defensive. I'd like to see you go to any CEO and persuade them to stop making profits. They'll probably just laugh at you. Besides you need to leave the CEOs alone, these are the people who pay the welfare checks.

In fact forget about 'wealth' all together. It's not important. What is important is tackling poverty and crime. Giving people welfare for doing nothing isn't working.. You're doing nothing but paying them to stay out of society. The thing is when you pay healthy, able-bodied, fit people welfare to keep them out of society they tend to get bored, you also deprive them of legal opportunities of getting ahead so quite a few of them take illegal opportunities. Some don't, some become so miserable with their failure and isolation that they take to drink and drugs - social stigma is pretty high on the list of reasons why people take to drink and drugs. Most struggle.

Ah but you see this is where we have another problem - when we equate success with making money and profits because success isn't a lasting experience but requires repetition you get into a cycle of wanting to increase your profits, increase efficiency and productivity and be more competitive. As a result more people lose out, the social stigma increases and as profits get bigger so too do the social problems - poverty, unemployment, welfare dependency, crime, and so on.

It's 2008. You do realise that in 12 years time the number of elderly people is going to exceed the working population. This is not to mention all the other people claiming welfare through unemployment, sickness, disability, and as a result of... social stigma.

We need to stop seeing each other as resources and ditch completely the concept of 'human resources' - we need to stop seeing people as productive and unproductive, as profitable and unprofitable. We need to start seeing people - just people - and bringing as many of those people back into society as possible.

The only way forward as I see it is eliminating social stigma. We need to get all those people marginalized and excluded from society back into society by way of some sort of meaningful occupation.

This is what I'm doing here in London, through theatre which is also a charity to fight social stigma. It's not a physical theatre, but a concept in theatre. My thesis is.. that if people can't find jobs then they can find their own meaningful activities and the way forward is through culture, entertainment, the arts and sport. The good thing about English language culture is that it comes out of poverty, struggle, social transformation.. Fringe theatre was created out of the bombed ruins of London after the Second World War.. Hollywood was born out of the Depression.,. another example is music. Take four states in the American South - Mississippi, Tennessee, Louisiana, and any other you can think of, take away one state in the North - Michigan, and take away all the red brick cities in the UK - Birmingham, Manchester, Liverpool, Glasgow - let's assume these places never existed and neither did any of the bands and musicians coming from these places - what would we now be listening to?

I see no future in the current state of affairs. I really don't. It's useless talking about solving world poverty until you are able to solve poverty in your own country. To solve poverty in your own country you need to first stop creating it or spreading it. I'm sorry but having 25% of society working to keep the remaining 75% on welfare strikes me as being pretty stupid.

Another way of solving the problem is through welfare reform. I would reform welfare thus.. I would increase welfare for sick people, the disabled and the elderly. I would create two ways of making contributions towards welfare - through financial contributions, as already exists, but also additionally through labor. If you haven't paid enough contributions then you should have the opportunity of contributing through working in community service. I would revise welfare for unemployment, by paying next to nothing for those who choose to sit at home and do nothing, but I would pay more welfare for those who do community service or voluntary or charity work. This would resolve a labor shortage in areas such as providing care, support and other such services in different sectors of society. I would also pay more welfare for people going into education or vocational training, or development of cultural, artistic or sporting initiatives.

I would also reform taxation, and offer tax incentives for employers and companies who pay decent wages to their staff and ensure them a decent quality of living. There would be no tax relief or incentives for those paying minimum wages.

It's important to remember that success is a product of failure, development and opportunity. Achieving success is a bit like having an orgasm, it's never guaranteed, the failure, disappointment and effort are all necessary to achieve it, and it's usually more satisfying when it is achieved with the involvement of someone else.

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Profile   Post #: 25
RE: keeping the poor in the poorhouse - 4/15/2008 4:40:11 PM   
Kirren


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I try very hard to not talk about My personal life unless I feel that some one can gain from it. I know as I am typing this that some will see what I am saying and will understand fully what I mean, and others will toss out their insults and things of that nature. Thats okay as well.

Let Me explain to a few of you who may not fully understand what rural life is all about. I live on the out skirts of a town that has a population of just over 2500 people. The town is about 10 blocks long. Of that 10 blocks 17 fast food places occupy the town. This county is an all white county as well. There is NO diversity, and most of the people who live here, have been here since the place was built. The families anyway. There are NO youth activities, kids who get caught skate boarding on side walks are fined and have to spend time doing community service. The educational system is so far behind the rest of the country that it is insane. Most of the kids here are taught to farm the land, or to work dead end jobs in fast food, or in hotels.

My husband is not from this area, he moved here 5 years ago, when we first met, he worked for a family friend doing roofing ( he does construction) the company closed up, due to lack of work.  On and off for the last 5 years he has worked for various construction companies and none of the jobs are long term or last more than a few months, and none of them pay very much at all, but he always takes them. In spite of distance or pay.  In December of last year, he was laid off, and spent three months applying to everything from fast food to house keeping, with Me doing the same thing. Nothing came thru. To the point that we were rolling pennies for gas and food.

My father, who has 40 years of experience in construction worked 18 hours in 6 weeks. During the same time.

So, yeah, some places, if there is a will theres a way, but in places like Western Kentucky, it doesnt matter if you lube up and bend over, there is just NO way.

It is for that reason we are leaving the area that I have lived in My entire life, that My kids have lived in for their entire lives, and moving 3 hours away. THREE hours...what kind of difference will that make? The fact that inside of 2 days, My husband who has been looking for work for months had 4 job offers on the table, the fact that milk, that I buy at our local wal mart for almost 5$ a gallon is almost 1/2 price in the new area...and bread that I pay almost 1.25 for locally is 97 cents.

So...think about this...some of us have to struggle each and every day...some of us have a better shot. Some of us dont have the opportunity. Blame who you think you have to so that you sleep better at night. But the fact is some places in this country are no different than a third world country... Some people are trapped by what ever forced that hold them in their situation.

So dont be so quick to throw insults at people if you dont know the whole story. Take two seconds and put yourself in some one elses shoes. Know that in rural areas, there are no public transit systems. Know that in rural areas there are medical bills for things like cancer that you cant get away from. And know that while the grass is oh so freaking green on your side of the fence, some of us are knee deep in shit and mud and theres not a damned thing that we can do about it no matter how hard we fight and try and push and scrimp.

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Profile   Post #: 26
RE: keeping the poor in the poorhouse - 4/15/2008 7:03:21 PM   
Termyn8or


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I don't think there have been any insults. Merc brushed a whisker so to speak, but later his personal story reveals his point of view.

Others have come close as well. One response was flippant, or sarcastic, you pick the word. Know why ? Because I pick my own word. One person will percieve things differently than another. I do not think I have insulted anyone in this thread but I can always try again :-) If I have point it out. If I have I might apologize but really I want to know, because that was not my intent. And I don't think it was Merc's intent either.  In fact I think it might be useful if he gave more detail.

I would like the details of someone's rise from the ashes so to speak, like a phoenix. It may be inspirational. The OP's friend could probably use it in these times. But now let's pick Merc apart for a moment.

We have a business and it is a good thing we didn't happen to be there on that eleventh day. We are OK, but the business was there. It was either underinsured, uninsured or the insurance co went belly up, either that or the money was wasted. It was great that we proved to have the intestinal fortitude to get out of this.

I used the word we because I have no idea if beth was involved with it or he had partners or what. But being successful in life after such a downturn is an accomplishment. It bolsters one's sense of self confidence and at times, to those without that under their belt, they may seem harsh.

There is more detail to be had. How to actually make ends meet on a small fraction of what you used to make is not easy. But there are ways.

But back to the subject. To the OP, does she own any property at this time ? A house or anything ? I am not talking cars, I mean land and houses. That changes the situation drastically.

To advise effectively I would have to know the values of any and all property in her name and what what is owed on it. It is a very good time to keep property, and her geographical location is a factor. In other words, how soon do we expect an urban sprawl ? That and information on any and all cars newer than the model year 2000.

This is not the time to let any property go. I do not advise mortgaging property to pay off unsecured (such as credit card) debt unless the value of the property is very high in relation to the amount to be financed. And you only do it then if it substantially reduces the payment and you get a good interest rate. But then you don't always get that when you're down, which goes back to the OT.

More later, got people.

T

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Profile   Post #: 27
RE: keeping the poor in the poorhouse - 4/15/2008 7:25:12 PM   
sblady


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Hello aviinterra,

I have a few questions/comments.  If I'm reading your post correctly, your friend lost a job and had to take another job which pays a lot less and she also has/had medical issues?  Her car has also been repossessed because of her credit rating?

As awful as bankruptcy may seem to some, it may be her only option.  Yes, it will stay on her credit report for up to 10 years, but it's better than stressing over bills she can't afford to pay.

If her annual income is below a particular amount (the amount varies per state), and from what I'm getting from your post, it probably does, she would most likely qualify for a Chapter 7 bankruptcy.  She must, however, seek credit counseling prior to filing bankruptcy.  Additionally, the court and some attorneys may allow her to make payment plans for the court filing fee as well as the attorney fees.  If she receives a discharge of debt from the bankruptcy court, her creditors cannot attempt to collect these funds from her.  Some debts are non-dischargeable (student loans, traffic tickets, child support, etc.)

I'm not saying bankruptcy is the only "out" nor am I a bankruptcy advocate, but trust me, sometimes you just have to start over.  Most credit cards companies will allow you to try to reestablish your credit by giving you a credit card with a low limit once the bankruptcy case has been discharged.

If she is physically able and doesn't have childcare issues, another thought is to try to juggle two low paying jobs for a while. 

Just my thoughts.....I wish her the best of luck 

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Profile   Post #: 28
RE: keeping the poor in the poorhouse - 4/15/2008 7:41:46 PM   
thornhappy


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quote:

ORIGINAL: Mercnbeth
Is she so rural as to be outside the route of any public transportation? It would be cheaper than an auto.

Merc, you don't have to be very "rural" at all, to have no public transportation.  You can even live in towns with no public transportation.

thornhappy

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Profile   Post #: 29
RE: keeping the poor in the poorhouse - 4/15/2008 9:53:08 PM   
CalifChick


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From: California
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I don't understand the credit issues described in the OP.  I have crappy credit due to my ex (the gift that keeps on giving). 

Even when we were together and he kept overdrawing our checking account, our bank did not close it.  Right before I left him, I opened my own account in my name alone. I went into the bank and was prepared to beg and plead because I didn't think they would give me an account, due to the constant overdrafts on the joint account. But they did.  I was prepared to go to credit unions (we have several here that if you live here, you can join), but I didn't have to.

I get my car insurance online from esurance.  I compared several companies online, and they fit what I wanted.  Even with my crappy credit, I've never had a problem with them. 

When I left the ex, my boss co-signed my apartment application due to my credit, saying she would be financially responsible for six months if I couldn't/didn't pay my rent.  After 6 months of on-time paying, I would be on my own with no co-signer.  This summer will be two years and I've never paid past the 2nd of the month.

In this town where most of the businesses are agricultural, medical, construction and manufacturing, the only jobs I would never apply for due to my credit issues would be banking. In fact, when I was getting ready to quit a job, I signed up with employment agencies, figuring that working a temp-to-hire job would get my foot in the door, and make an end-run around the credit issue.  And it did.

So, I don't know where you live, and I don't know what types of companies you are dealing with, but I'm having a hard time understanding why crappy credit would cause all the problems that are being attributed to that one issue.

Cali


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RE: keeping the poor in the poorhouse - 4/16/2008 6:28:45 AM   
Mercnbeth


Posts: 11766
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quote:

ORIGINAL: thornhappy

quote:

ORIGINAL: Mercnbeth
Is she so rural as to be outside the route of any public transportation? It would be cheaper than an auto.

Merc, you don't have to be very "rural" at all, to have no public transportation.  You can even live in towns with no public transportation.

thornhappy


t.h.,
No doubt.

It then becomes a matter of choice doesn't it? Whine about it and your situation or do something about it - move. Also no doubt - Whining takes a lot less effort and obviously generates pity, sympathy, and sometimes results in cash and/or other forms of renumeration. All that's required is an ability to rationalize; "I can't do that because.....(fill in the blank); and surrounding yourself with enablers.

QED

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Profile   Post #: 31
RE: keeping the poor in the poorhouse - 4/16/2008 6:37:08 AM   
Real_Trouble


Posts: 471
Joined: 2/25/2008
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quote:

ORIGINAL: CalifChick

So, I don't know where you live, and I don't know what types of companies you are dealing with, but I'm having a hard time understanding why crappy credit would cause all the problems that are being attributed to that one issue.



Because the OP is either misinformed or being lied to.

Credit problems do not cause the issues that have been listed above; they can lead to further investigation during a background check that will illuminate further issues.  I remember having found someone during interviews with a long history of credit problems and non-payments.  During the background check it also came out he was a convicted felon (armed robbery).  Go figure.

I'm with everyone else who says it is not clear what the full story is here.  You get your insurance shit-canned because you didn't pay, because you have repeated driving violates (especially DWIs), or because your company went out of business.  Occasionally because you committed a crime and they want off the liability part.


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Profile   Post #: 32
RE: keeping the poor in the poorhouse - 4/16/2008 8:14:01 AM   
LaTigresse


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Joined: 1/15/2006
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I also moved for very similar reasons.

Washington Iowa, a town of approx 10K people, all fighting for jobs at 2 main employers at the time. No public transportation and pretty crappy schools. But, it was my home town, my comfort zone.

Cedar Rapids Iowa, a town of approx 250K, more job opportunities than I can begin to list. Excellent public transportation. Open enrollment with multiple choices of schools for my kids. It was huge (to me) I didn't love it, but I am glad beyond words that I gave my kids that opportunity.

It really was a win win situation.

Now I live much closer to my home town and commute to work. I really have no use for Washington because I do most all of my shopping and business near where I work.

Sometimes we just have to think outside the box and look at what might be possible rather than what we believe to be impossible.


_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

(in reply to Kirren)
Profile   Post #: 33
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