Sixty thousand homeless in NYC


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Andrew R wrote:
Freehold DM wrote:

she mentions workingas a tv producer in thr articlr- if this is the case bouncing from field to field may mean from show to show, not job to job.

marrying her bf after finding out she was pregnant and taking a new job to support her new family? More oops situations should be like this, not less.

Still not stable employment

I give them credit for marrying and staying together. doing that after the oops pregnancy is still a lack of initial responsibility

chummer, she works in the tv production field. Noone sticks with just one show any more-the days of cheers, all in the family, the jeffersons and the like are long, long gone. If you produce a show, you have to keep your ear to the ground and be ready to move at a moments notice- unless you are willing to shackle your fortunes to that of a specific show. In today's market THAT would be irresponsible.


thejeff wrote:

In the modern economy, there is no such thing as stable employment. Ask anyone who's been laid off after 10 years.

They bought a house at the top of the market (& 240K in 2008 in CT was not at all outrageous. Pretty low end, depending on where they were).

He lost his job in the recession. Just like millions of others.

also, this. We cant all live in michigan like you, and housing markets vary from place to place.

Grand Lodge

Usagi Yojimbo wrote:
thejeff wrote:

An interesting article in the Hartford Courant today touching on some of the welfare perception issues we've argued about here.

Picking Up Food Stamps In My Mercedes

Even includes a little bit about buying soda.

I call it 30 seconds or so before someone posts that they should have sold the house and moved to a place where they could grow their own healthy food, and that buying the root beer was shameful.

But maybe I'm too harsh. Perhaps a pretty blonde middle-class lady is "worthy" of WIC.

Selling the house was not an option before the Obama program made it viable to do so, given that the house was already "underwater".

And you may notice that someone tried to shame them about the root beer in the store itself.

Four ourselves, we bought a Sodastream device and carbonate our own soda now.

Grand Lodge

Andrew R wrote:
A $240,000 house is not cheap, not something you just jump into without stable employment.

Compared to the median price of a home in any area that's in better health than Detroit? That's dirt cheap. 240k is only expensive if your base of comparison is a self-built log cabin somewhere in the sticks of Alaska.

The average price of a house in Jersey City is around three times that amount.


LazarX wrote:
Usagi Yojimbo wrote:
thejeff wrote:

An interesting article in the Hartford Courant today touching on some of the welfare perception issues we've argued about here.

Picking Up Food Stamps In My Mercedes

Even includes a little bit about buying soda.

I call it 30 seconds or so before someone posts that they should have sold the house and moved to a place where they could grow their own healthy food, and that buying the root beer was shameful.

But maybe I'm too harsh. Perhaps a pretty blonde middle-class lady is "worthy" of WIC.

Selling the house was not an option before the Obama program made it viable to do so, given that the house was already "underwater".

And you may notice that someone tried to shame them about the root beer in the store itself.

Four ourselves, we bought a Sodastream device and carbonate our own soda now.

Me,I just squirt some lemon juice into my water now and that's about it unless there's a sale or we go to the co-op.

Dark Archive

"You guys are living off the high off the hog. I drink brackish water and I like as I should."

This is reminiscent of the Simpsons episode the idea that they were living beyond their means and they should have been more frugal 240K house was beyond their means. No it wasn't, he lost his job and the idea that these people were to blame for their circumstance because they lived beyond their means is ludicrous. As for the oops baby stuff happens they were obviously in a committed relationship perhaps they were not married because they were saving up money. The pregnancy was a catalyst for getting married but seemed like they were there are already or they may have looked into getting an abortion or given the child up for adoption. They had a combined income of 120K a year more than enough to have a 240K house and to take care for the children.

Yet life sent them a curve ball they couldn't hit. It can happen to many people and perhaps their family unlike others could not bail them out. This is the perfect example of the system working. They needed a hand until they could get their lives sorted out and back on their feet, which seems they did thanks to the system. They were fortunate.

I have my problems with the way the system works and I don't think it is handled well and ends up not helping the people it should get back on their feet but this story gives me encouragement not indignation that they should have done something more to prevent themselves from getting in the situation to begin with. This was a win.

Liberty's Edge

Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.

Liberty's Edge

LazarX wrote:
Usagi Yojimbo wrote:


I call it 30 seconds or so before someone posts that they should have sold the house and moved to a place where they could grow their own healthy food, and that buying the root beer was shameful.

But maybe I'm too harsh. Perhaps a pretty blonde middle-class lady is "worthy" of WIC.

Selling the house was not an option before the Obama program made it viable to do so, given that the house was already "underwater".

And you may notice that someone tried to shame them about the root beer in the store itself.

Four ourselves, we bought a Sodastream device and carbonate our own soda now.

:)

<my point> .............................:..... <you>


LazarX wrote:
Andrew R wrote:
A $240,000 house is not cheap, not something you just jump into without stable employment.

Compared to the median price of a home in any area that's in better health than Detroit? That's dirt cheap. 240k is only expensive if your base of comparison is a self-built log cabin somewhere in the sticks of Alaska.

The average price of a house in Jersey City is around three times that amount.

Here in upstate NY, that amount will get you a decent sized house in suburbia. If you are willing to live in any of the metropolitan areas near Albany, you can get single family starter homes in good shape for 85 to 120K, and houses sell for as low as 45K.

Housing markets vary greatly by area. I told my buddy from Boston a few years ago my parents were hoping to get 100K for their house, and he looked at me cross eyed. He has been in their house, and told me he would expect it to fetch at least 400K. I responded "Its in Troy," and slowly it dawned on him what that meant.


Caineach wrote:
LazarX wrote:
Andrew R wrote:
A $240,000 house is not cheap, not something you just jump into without stable employment.

Compared to the median price of a home in any area that's in better health than Detroit? That's dirt cheap. 240k is only expensive if your base of comparison is a self-built log cabin somewhere in the sticks of Alaska.

The average price of a house in Jersey City is around three times that amount.

Here in upstate NY, that amount will get you a decent sized house in suburbia. If you are willing to live in any of the metropolitan areas near Albany, you can get single family starter homes in good shape for 85 to 120K, and houses sell for as low as 45K.

Housing markets vary greatly by area. I told my buddy from Boston a few years ago my parents were hoping to get 100K for their house, and he looked at me cross eyed. He has been in their house, and told me he would expect it to fetch at least 400K. I responded "Its in Troy," and slowly it dawned on him what that meant.

Remember also that price was in early 2008, at the height of the housing bubble. And in CT, which isn't cheap. After the crash it was worth $150K according to the story, which sounds like an exageration for CT, but possible in some markets.


thejeff wrote:
Caineach wrote:
LazarX wrote:
Andrew R wrote:
A $240,000 house is not cheap, not something you just jump into without stable employment.

Compared to the median price of a home in any area that's in better health than Detroit? That's dirt cheap. 240k is only expensive if your base of comparison is a self-built log cabin somewhere in the sticks of Alaska.

The average price of a house in Jersey City is around three times that amount.

Here in upstate NY, that amount will get you a decent sized house in suburbia. If you are willing to live in any of the metropolitan areas near Albany, you can get single family starter homes in good shape for 85 to 120K, and houses sell for as low as 45K.

Housing markets vary greatly by area. I told my buddy from Boston a few years ago my parents were hoping to get 100K for their house, and he looked at me cross eyed. He has been in their house, and told me he would expect it to fetch at least 400K. I responded "Its in Troy," and slowly it dawned on him what that meant.

Remember also that price was in early 2008, at the height of the housing bubble. And in CT, which isn't cheap. After the crash it was worth $150K according to the story, which sounds like an exageration for CT, but possible in some markets.

Oh I understand that. I was more pointing out the extreme variations in markets and the differences in perceptions that can cause. Another instance, up here housing prices were remarkably stable and only fell like 10% with the crash. That was because prices stayed relatively stable during the boom. Meanwhile, in other markets houses lost over 50% or more of their value in a very short time. SO to me, I have to actively look for people who were negatively affected by that aspect of the crash, while for other people their entire neighborhood was destroyed.

The Exchange

Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.

My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.


Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.

Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.


I'm sure it's already been mentioned, but Utah's plan could work about anywhere, even in NYC.

The Exchange

Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.

Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices


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Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.
Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices

Foolish to rely on condoms AND birth control pills alone? What would you suggest instead?


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So, we can conclude that it's irresponsible to live on a budget larger than what you would earn on minimum wage. It's irresponsible to have sex without making sure that the woman has taken her pill or checked whatever other BC she might be on AND the guy better double up on the condom, just to be safe. Buying a house that you can't buy with cash is also irresponsible. Buying a car is also very questionable, even if you can pay it with cash, because you might have been able to buy a cheaper (but probably also more unreliable, but that's somehow not the point) one.
Sodas, energy drinks and jerky are right out of the question!
In other words, anyone living a better life than Andrew R is Doing it Wrong(tm)!


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Andrew R.'s concern for the poor is palpatine... I mean palpable.


A highly regarded expert wrote:
I'm sure it's already been mentioned

Yes, I believe Comrade Giant brought it up.

We were visited by a Utahn who opined that the figure of 3,000 homeless people in the Beehive State was probably seriously underballed and then, surprise, surprise, Citizen R. didn't like the idea, even if it would save taxpayers money. He's a complicated one, that Citizen R.

Anyway, I'm a little late to picking up food stamps in the Mercedes and all I can say is: pffft.

Picking Up Food Stamps In a Limo


A highly regarded expert wrote:
I'm sure it's already been mentioned, but Utah's plan could work about anywhere, even in NYC.

Differences in property values and the reasons for the homelessness may make that ineffective. New york city probably has more homeless people that are homeless because they're crazy than utah has all together.


BigNorseWolf wrote:
A highly regarded expert wrote:
I'm sure it's already been mentioned, but Utah's plan could work about anywhere, even in NYC.
Differences in property values and the reasons for the homelessness may make that ineffective. New york city probably has more homeless people that are homeless because they're crazy than utah has all together.

Possibly true, but that doesn't mean that it still isn't a more effective way of mitigating the problem.

However many crazy homeless or homeless who want to live that way NY has, there are a lot more who do want the help.


thejeff wrote:


However many crazy homeless or homeless who want to live that way NY has, there are a lot more who do want the help.

The economics behind the solution of "buy them an apartment" is vastly different in new york where the apartments are much more costly.

Grand Lodge

HarbinNick wrote:


-Also let's look at China, it is certainly true that the dramatic standard in living has raised 600,000,000 people out of poverty. But the pollution, horrible inequality, and forced abortions aren't really something I'd consider a role model for another country...

Aside switched "enforced pregnancy" for abortions and you've pretty much described the American model.


BigNorseWolf wrote:
thejeff wrote:


However many crazy homeless or homeless who want to live that way NY has, there are a lot more who do want the help.

The economics behind the solution of "buy them an apartment" is vastly different in new york where the apartments are much more costly.

There's truth in that, but on the other hand, so is space for shelters and pretty much all the other costs associated with homelessness.


BigNorseWolf wrote:
thejeff wrote:


However many crazy homeless or homeless who want to live that way NY has, there are a lot more who do want the help.

The economics behind the solution of "buy them an apartment" is vastly different in new york where the apartments are much more costly.

It's why i like dingo's idea for NY. I don't know how it would work, but I do like it. Because real estate in NY is on lockdown. It's crazy expensive.

The Exchange

Freehold DM wrote:
Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.
Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices
Foolish to rely on condoms AND birth control pills alone? What would you suggest instead?

Condoms alone. Would you swallow a balloon full of poison and hope none leaked? those things are not great. better than nothing but hardly a safe standard.

The Exchange

GentleGiant wrote:

So, we can conclude that it's irresponsible to live on a budget larger than what you would earn on minimum wage. It's irresponsible to have sex without making sure that the woman has taken her pill or checked whatever other BC she might be on AND the guy better double up on the condom, just to be safe. Buying a house that you can't buy with cash is also irresponsible. Buying a car is also very questionable, even if you can pay it with cash, because you might have been able to buy a cheaper (but probably also more unreliable, but that's somehow not the point) one.

Sodas, energy drinks and jerky are right out of the question!
In other words, anyone living a better life than Andrew R is Doing it Wrong(tm)!

has nothing to do with a better life, i lack the jealousy so many are afflicted by when talking about social class, i just don't want to be the one paying for it. it has everything to do with be responsible, not party like its the end of the world then demand someone else pay the piper for you. live within your means, try to have a plan, minimize risk. this is not rocket science but sadly most people these days are too damn dumb. wich would be fine if people like me didn't have to bail them out


News from the Dice Manse

Dark Archive

Freehold DM wrote:
Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.
Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices
Foolish to rely on condoms AND birth control pills alone? What would you suggest instead?

Of course if one were truly responsible adults one must use ever single form of birth control all at once. So the woman should be on the pill as well as say use a vaginal ring, diaphragm, IUD, female condom, the patch and noroplant and follow it up with a morning after pill just to be sure. The male should use a condom (of course),as well as probably have a vasectomy just to make sure before thinking of sex I mean when he is ready to have children he can just have everything reattached I mean if they were honestly responsible adults and not wanting to take a chance.


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Andrew R wrote:
GentleGiant wrote:

So, we can conclude that it's irresponsible to live on a budget larger than what you would earn on minimum wage. It's irresponsible to have sex without making sure that the woman has taken her pill or checked whatever other BC she might be on AND the guy better double up on the condom, just to be safe. Buying a house that you can't buy with cash is also irresponsible. Buying a car is also very questionable, even if you can pay it with cash, because you might have been able to buy a cheaper (but probably also more unreliable, but that's somehow not the point) one.

Sodas, energy drinks and jerky are right out of the question!
In other words, anyone living a better life than Andrew R is Doing it Wrong(tm)!
has nothing to do with a better life, i lack the jealousy so many are afflicted by when talking about social class, i just don't want to be the one paying for it. it has everything to do with be responsible, not party like its the end of the world then demand someone else pay the piper for you. live within your means, try to have a plan, minimize risk. this is not rocket science but sadly most people these days are too damn dumb. wich would be fine if people like me didn't have to bail them out

R seems to have an aversion to acknowledging privilege, let alone its effects in society, given his extreme view of the less fortunate.


In another thread about the 185 richest families in the USA, Citizen R. anticipated a great wave of class jealousy. He's very upset about having to pay for welfare cheats who buy $20 worth of cookies in a go, or dare to have sex without multiple condoms, but, how does he feel about the vast fortunes accumulated by America's wealthiest families with help from his tax dollars?

I encourage everyone to help out.

1) The Waltons--pretty obvious, not even worth a link
2) The Koches--as I said in the other thread, they helped set up the Democratic Leadership Council, which isn't really germane to the conversation, but is pretty damning on its own

3) The Marses--The Sugar Bailout: A Sweet Handout to Industry Goes Sour for Consumers

Apparently, the federal government has been propping up the price of sugar for the benefit of confectionary capitalists to the tune of $14 billion since 2008, because otherwise, [sniffle sniffle] M&Ms might not be as profitable.

Next up are the Cargills of Cargill, Inc. I saw their name mentioned in another article about the misuse of farm bills, but I want to give others an opportunity to participate.


Comrade Anklebiter wrote:
Next up are the Cargills of Cargill, Inc. I saw their name mentioned in another article about the misuse of farm bills, but I want to give others an opportunity to participate.

Cargill, just to tie in to the other thread, is the largest closely held company in the US. As far as I know, they're not particularly religious, so that may not make a difference.


Three threads in one!


Comrade Anklebiter wrote:
3) The Marses--The Sugar Bailout: A Sweet Handout to Industry Goes Sour for Consumers

Upon closer reading, and some more googling, I am sad to report that it looks like the National Confectioners Association, including Mars and friends, is/was actually lobbying AGAINST the sugar bailout for the obvious reason that it would raise their production costs.

I apologize for the calumny and slander. Woopsie.

Huh? Pfft, what do you want? I load trucks for a living.


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Comrade Anklebiter wrote:
News from the Dice Manse

Dude, I had not planned to enact that into law. What happened was I took Dicey the House Goblin to the council meeting, and he was dancing around rhyming words with underwater mortgage (not even real rhymes though, junk like "funderwater supportgage")while we were going over the bill, so I was all, "Dicey, shut it, the grown ups are talking!"

Dicey repiled "Should I wait outside then, m'lord?"

"YES!" sez I, y'know, like really passionately.

The head coucilman said, "That's wonderful, sign here!" and shoved the paper in my face. I was so distracted that I just signed it, so now it's a fricken law, and I can't kick people out of their houses--no, wait, my houses--at the drop of hat anymore!

I swear, if I had the chance to re-geld that goblin, I'd take the franks along with the beans just for good measure.


[Fistbumps Dicey]

Good work, comrade.


Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.
Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices
Foolish to rely on condoms AND birth control pills alone? What would you suggest instead?
Condoms alone. Would you swallow a balloon full of poison and hope none leaked? those things are not great. better than nothing but hardly a safe standard.

what are you saying here? That she should rely on condoms alone or that condoms alone are a bad idea? You are caught up in your hyperbole here, I think.


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Doodles, I didn't even do anything aside keep from myself occupied and go outside when I was told to. All I know is, it was real quiet carriage ride back Manse Dice, and when we got there m'lord Dice said, "Well, Dicey, I may not be able to evict you, but I can do this."

He put me in the pillory, had the kitchen staff gather all the rotten vegetables they could find and threw them at me himself, and he's not the type of guy to get his hand dirty unless he's feeling really emotional. When he was done, I saw he had all the hall-boys lining up with the chamber pots, and I yelled, "You can't, in a pre-industrial world like this one, urine's a commodity you can sell to the tannery guild; Think of the money you're losing!"

"Oh don't you worry," he said. "I certainly plan to tan one hide today."

So if I had to guess, I'd say it was pretty disappointing council meeting.


Freehold DM wrote:
Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Freehold DM wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.
Nonsense. Few are the people who will mention that they had children in ill health for several months because of a busted condom. Not everyone is as crass as you.
Few are as honest as me. odds are she forgot pills or they got caught up in the moment and there was no condom. Also relying on those alone is foolish. It is not crass to say it was from a BC failure and not sheer foolish choices
Foolish to rely on condoms AND birth control pills alone? What would you suggest instead?
Condoms alone. Would you swallow a balloon full of poison and hope none leaked? those things are not great. better than nothing but hardly a safe standard.
what are you saying here? That she should rely on condoms alone or that condoms alone are a bad idea? You are caught up in your hyperbole here, I think.

Of course we have no idea what birth control methods they were using or how they failed, so it's really all hypothetical.


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Pathfinder Adventure Path, Lost Omens, Maps, Rulebook Subscriber; Starfinder Charter Superscriber
Andrew R wrote:
has nothing to do with a better life, i lack the jealousy so many are afflicted by when talking about social class, i just don't want to be the one paying for it. it has everything to do with be responsible, not party like its the end of the world then demand someone else pay the piper for you. live within your means, try to have a plan, minimize risk. this is not rocket science but sadly most people these days are too damn dumb. wich would be fine if people like me didn't have to bail them out

Andrew, I just have to say thank you for being such a tremendous example of exactly how terrible and inhumane the ideals you espouse are. Your honest and blunt assertion of your worldview might not be doing your argument any favors (since it exposes the rank ignorance and lack of empathy that is the root of your belief system), but it certainly does humanity as a whole a great service by helping them learn not to be like you. For that, I salute you.

Now, on to the part where knowledge gets dropped on you.

First, you are quite possibly the most jealous person I have ever encountered, in any capacity. Jealous refers to someone who fears losing anything he/she feels is rightfully his/hers. That describes you to a T. It's not just the money/taxation issue either (though you are positively scroogian) - it's that you can't even see your way towards giving others basic human respect. You are, in a nutshell, as ungenerous and unsympathetic as any Dickensian caricature could ever be.

Second, responsibility doesn't mean what you think it means, nor is it the all purpose panacea you imagine it to be. Responsibility includes asking for and accepting help when you need it. Responsibility includes helping people who, for whatever reason, need our help. Responsibility does NOT mean living a life of absolute misery until you've "earned" the right to such "luxuries" as cookies and a home. It is not irresponsible to make choices that you wouldn't agree with.

In addition, "taking responsibility" is not, in any way, an assurance that things will get better. Sometimes (often, in fact), factors outside our control (such as nation wide economic downturns) will put people in positions where, no matter how they try, they simply cannot escape without outside help. I get that you've drunk deeply of the Horatio Alger myth of the American dream, but let's be clear - that ideal was ALWAYS a myth. Rags to riches is less likely to happen via labor than it is via winning the lottery, and every single socio-economic paper I've read on upward mobility (admittedly, that's only like 3) puts the US towards the bottom end of the developed countries. England has a hereditary nobility, for chrissakes, and it still has a higher rate of upward mobility than the US.

Third, your advocacy is basically turning you into Captain Hindsight. I'm sure, now, it's perfectly clear that this up and coming professional couple should not have assumed that their lives weren't going to fall apart. After all, it's only "responsible" to assume the worst case scenario at all times, right? You don't seem to recognize that the only reason their "mistakes" seem so obvious to you is because you have the benefit of knowing the outcome in advance. Historically, if you knew ANYTHING about how wealth worked, you would know that buying property (such as a nice house) was one of the best ways to invest your money. A decade ago we would be telling that couple that it would be irresponsible NOT to invest their earnings in a stable, long-term investment like a home, because that's how the economy worked then (to a greater or lesser extent, that's STILL how the economy works, in fact, it's just that many people are stuck with having payed more for that investment than it is currently worth, and it may take decades for that to change). Your worldview seeks to punish people who lack a perfect crystal ball because doing so prevents you from having to accept the fact that people can make perfectly rational, responsible choices (even if you personally disagree with them), and still end up poor, homeless, etc.

Your conception of responsibility denies the reality that we can't see the future, so we are forced to make the best choices we can in the moment, based on incomplete knowledge and our imperfect expectations of the world. Your greatest mistake is that you define responsibility in terms of the endpoints, not the context - if someone is poor, they must have made irresponsible choices, because responsible choices (in your mind) are synonymous with "not being poor". In so doing, you've denied the fact that what looks like an irresponsible decision in retrospect, was, at the time, an entirely logical and reasonable choice.

Finally, you still don't understand what it really means to minimize risk, and what that might look like. For example - buying lots of cheap, high calorie junk food minimizes the risk of hunger next week, as it is cheaper per calorie than the other options. Buying a home is a way of minimizing risk because historically homes could be expected to increase in value, and thus provide equity to draw on. Buying "luxury" items like laptops and iPhones are ways of minimizing risk, because those provide access to potential job markets or revenue streams, and they represent an asset that is not easily taken away in the case of a loan default (unlike a home or a car). In short, the problem with "live within your means" as an all purpose ethos is that people's means CHANGE, often unexpectedly, and frequently not for the better.

It's also worth noting that, in the end, it's not the risk averse that end up succeeding. It's the people who have the freedom to take big risks who end up seeing the big rewards - the people who can afford to invest a decent amount of money in multiple start-ups in the hopes that one of them will be the next big hit. Its the people who can afford to invest money in starting a small business because if the business fails they won't automatically lose their home, or the people who can risk striking out on a new creative endeavour because they know if they fail, there will be a safety net of some kind to catch them. Arguing that social programs are a drain on the economy is like arguing that the weight of safety gear is a drain on the performance of a race car. The weight of the gear is inconsequential next to the additional freedom and confidence to take risks that the drivers gain.


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Andrew R wrote:
GentleGiant wrote:

So, we can conclude that it's irresponsible to live on a budget larger than what you would earn on minimum wage. It's irresponsible to have sex without making sure that the woman has taken her pill or checked whatever other BC she might be on AND the guy better double up on the condom, just to be safe. Buying a house that you can't buy with cash is also irresponsible. Buying a car is also very questionable, even if you can pay it with cash, because you might have been able to buy a cheaper (but probably also more unreliable, but that's somehow not the point) one.

Sodas, energy drinks and jerky are right out of the question!
In other words, anyone living a better life than Andrew R is Doing it Wrong(tm)!
has nothing to do with a better life, i lack the jealousy so many are afflicted by when talking about social class, i just don't want to be the one paying for it. it has everything to do with be responsible, not party like its the end of the world then demand someone else pay the piper for you. live within your means, try to have a plan, minimize risk. this is not rocket science but sadly most people these days are too damn dumb. wich would be fine if people like me didn't have to bail them out

going back to the article, she did everything you suggested here and things still went wrong. Its almost as if there are no guarantees in life.


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Dicey the House Goblin wrote:
Doodles, I didn't even do anything

[On the radio to the Free NH Goblin Resistance headquarters]

Red Squirrel to Nest, come in Nest. Red Squirrel to Nest, come in Nest.

Wassup, my brother? Yeah, so, the behavioral modification implants are working like gangbusters. Yeah, it was a piece of cake, Dicey's always spouting nonsense anyway, so, no, nobody noticed. Yeah, there was some blowback for the eunuch, but nothing he's not used to. Anyway, yeah, the prototype works fine, begin the preparations for Operation: Manchuria.

Red Squirrel out. Vive le Galt!

Dark Archive

Hey aren't you supposed to be on register 6? Get off that darn wakie talkie and get back to work. Also the women have been complain you are not showing enough skin take that shirt all the way off.

Liberty's Edge

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Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.

No. Your sick game of blaming people for their misfortune.

For blaming her for having the audacity to pursue a career in an industry that involves moving from gig to gig because it doesn't meet your definition of stable. Never mind that she's not the one who lost her job.

For blaming her for getting pregnant because she didn't keep her legs together.

For her and her husband buying a house well within their means until they lost 75% of their income, without warning.

For having the audacity to not live the life of ascetic deprivation and austerity they would have had to to meet your ridiculous standard of 'responsibility'.

I don't know why I even bother. By your own statements the only reason the poor are poor is because they're stupid, lazy, and evil. Then again, but your own statements, you're poor. So begone, peon. Come back when you can prove you've made proper restitution for your sins by not being poor.


@Andrew R. I would have thought you would hold this story up as a perfect example (bar a few cans of soda) of how the welfare system should work. A "normal" couple who need no handouts gets into financial trouble due to a range of things based mainly around unfortunate timing and issues outside their control. For a short period of time they need to get government handouts to get them back on their feet. Now they are sorted out and back to their previous life.

A brief period of trouble, some government help and problems solved. Isn't it a text book example of how welfare should work?

Yet you choose to focus on the root beer and pregnancy and call her a childish name.

The Exchange

Gallo wrote:

@Andrew R. I would have thought you would hold this story up as a perfect example (bar a few cans of soda) of how the welfare system should work. A "normal" couple who need no handouts gets into financial trouble due to a range of things based mainly around unfortunate timing and issues outside their control. For a short period of time they need to get government handouts to get them back on their feet. Now they are sorted out and back to their previous life.

A brief period of trouble, some government help and problems solved. Isn't it a text book example of how welfare should work?

Yet you choose to focus on the root beer and pregnancy and call her a childish name.

They made mistakes, the article sounds like it was little more than an attempt to get sympathy for them, it failed. Yes i will be critical of what i consider foolish choices but over all they did little wrong. They sound like they worked to get off the system and make a decent life thereafter and that is what the system is meant to do. But this story is still no defense of how so many misuse and abuse the system.

The Exchange

Krensky wrote:
Andrew R wrote:
Krensky wrote:
Also, just to play your sick game Andrew, you have no idea what the circumstances of their pregnancy was. Short of a bilateral oophorectomy or bilateral orchiectomy no form of birth control is perfect.
My sick game of expecting responsibility? I am willing to bet if it were BC failure they would have said so since the point of this is to feel sorry for them. So i assume they just did what they wanted and this is what happened.

No. Your sick game of blaming people for their misfortune.

For blaming her for having the audacity to pursue a career in an industry that involves moving from gig to gig because it doesn't meet your definition of stable. Never mind that she's not the one who lost her job.

For blaming her for getting pregnant because she didn't keep her legs together.

For her and her husband buying a house well within their means until they lost 75% of their income, without warning.

For having the audacity to not live the life of ascetic deprivation and austerity they would have had to to meet your ridiculous standard of 'responsibility'.

I don't know why I even bother. By your own statements the only reason the poor are poor is because they're stupid, lazy, and evil. Then again, but your own statements, you're poor. So begone, peon. Come back when you can prove you've made proper restitution for your sins by not being poor.

i blame them for misfortunes they choose. She chose to work in an unstable industry.

Pregnancy is almost completely preventable so yes i will blame them for that.
The article says nothing about them abusing the system so my idea of responsible use of money is no issue here. I even defended her choice to get a pop once in a while, as opposed to what i see every day of multiple 2 liters daily being the norm.
I have no issue with the poor, said it MANY times. i have a problem with takers and how they abuse other peoples money. I have a problem with the stupid that make bad choices and cry poor me.

The Exchange

MrTsFloatinghead wrote:
wall of text

WOW there is so much stupid in that. Call me greedy for wanting to own what i earn without any one else just taking it if you want. That is most certainly not the definition of jealous no matter your mental gymnastics.

Sure being a responsible person can involves asking for help, but first comes doing the right thing to try to not need help. It also includes making the right use of that help not pissing it away for fun. yes it does mean paying the bills before having fun.

Hindsight might be 20/20 but you do not have to be a rocket scientist to plan for likely future events. Saving money for unseen disaster is never a wrong answer. Asops fables Ant and the Grasshopper is very relevant here, the ant prepared for winter, the grasshopper played in the sun. Don't be a grasshopper if you want to eat in the winter.

You can make smart choices and still be poor but live better and without being a taker. Junk food is cheaper than healthy food you say? a bag of beans or rice is cheaper than doritos, a box of tea that lasts me weeks costs less than most of my customers spend on pop daily. high calorie junk is killing us, we are not getting huge amounts of needed nutrition that goes far beyond just calories.

An Iphone will not give you a better shot at a job than a cheaper phone, the best laptop will not make the internet give you more than a cheaper one. it does nothing to minimize risk but wastes resources so becomes a risk

The Exchange

Comrade Anklebiter wrote:

In another thread about the 185 richest families in the USA, Citizen R. anticipated a great wave of class jealousy. He's very upset about having to pay for welfare cheats who buy $20 worth of cookies in a go, or dare to have sex without multiple condoms, but, how does he feel about the vast fortunes accumulated by America's wealthiest families with help from his tax dollars?

I encourage everyone to help out.

1) The Waltons--pretty obvious, not even worth a link
2) The Koches--as I said in the other thread, they helped set up the Democratic Leadership Council, which isn't really germane to the conversation, but is pretty damning on its own

3) The Marses--The Sugar Bailout: A Sweet Handout to Industry Goes Sour for Consumers

Apparently, the federal government has been propping up the price of sugar for the benefit of confectionary capitalists to the tune of $14 billion since 2008, because otherwise, [sniffle sniffle] M&Ms might not be as profitable.

Next up are the Cargills of Cargill, Inc. I saw their name mentioned in another article about the misuse of farm bills, but I want to give others an opportunity to participate.

That is also wrong and a firm sign of the corruption of campaign money. No company should be able to get out of taxes let alone get a bigger return out of the pot.

The Exchange

A highly regarded expert wrote:
Andrew R wrote:
GentleGiant wrote:

So, we can conclude that it's irresponsible to live on a budget larger than what you would earn on minimum wage. It's irresponsible to have sex without making sure that the woman has taken her pill or checked whatever other BC she might be on AND the guy better double up on the condom, just to be safe. Buying a house that you can't buy with cash is also irresponsible. Buying a car is also very questionable, even if you can pay it with cash, because you might have been able to buy a cheaper (but probably also more unreliable, but that's somehow not the point) one.

Sodas, energy drinks and jerky are right out of the question!
In other words, anyone living a better life than Andrew R is Doing it Wrong(tm)!
has nothing to do with a better life, i lack the jealousy so many are afflicted by when talking about social class, i just don't want to be the one paying for it. it has everything to do with be responsible, not party like its the end of the world then demand someone else pay the piper for you. live within your means, try to have a plan, minimize risk. this is not rocket science but sadly most people these days are too damn dumb. wich would be fine if people like me didn't have to bail them out
R seems to have an aversion to acknowledging privilege, let alone its effects in society, given his extreme view of the less fortunate.

Ok i think i caught my breath from laughing at this. Privilege? are you &^%$ing kidding me? i came from about as poor as you can get. i have worked for the things i want and need since i was a child. I learned to sew very young because if i ripped my pants i had to sew them since we could not afford more. My HATRED for stupid comes from having to live with nothing and doing it right. My "extreme view" that they need to worry about work before play has been the norm of most people before this generation of eternal children that think they should be allowed to play the day away and let someone else have the bill

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