If you have time to fit it into your reading schedule, I suggest this from American Prospect. It is spot on, and can help explain why I talk about certain things the way I do.
I talk about acquiring things, or things brought into my life, but I rarely discuss buying things. One, I rarely actually buy things myself, and I am a sucker for accuracy. I am involved in more purchases than I make myself. It is hard for me to get out, so I am not the retail hound my mall rat early years would warrant.
Two, we live in a surveillance state. I am disabled and poor, so I participate in programs that have made headlines the past couple of years for spotting "fraud" in their programs by monitoring the online lives of folks forced to depend on them. I worry about mentioning that I felt good enough one day to go to a park, for fear that someone will decide that I am jerking the system for fun and profit.
Since the beginning of the Earned Income Credit, while the rich bitch about their taxes, the working poor have a minor holiday. Bills get paid, folks that usually use SNAP/EBT can eat a little better for a while, kids get new shoes... the bleeding edge grows a bit of a scab for a while. And you know how it works, the very rich hit the cable channels bitching that the poor are not suffering quite enough. It is so tiring.
So when I say I was involved in a purchase, you may have to read into that a bit. Or when I say a new thing came into the house, a new thing came into the house, one way or another. But I do not lie to the institutions that help me and mine get by (barely), and I do not lie to you. I simply require a little more reading comprehension. Well, a little bit more than my obtuse way of discussing things needs anyway.
Oh, and not using contractions - that is just me.
I am PatientC. Welcome! This is a disability oriented blog where issues and intersection are discussed at my whim and with varying degrees of humanity, snark, and intensity. Content can be adult at times, farcical at others.
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Wednesday, March 5, 2014
Sunday, March 4, 2012
Poverty and Rand
The following contains my ramblings on some posts elsewhere about Ayn Rand, her views on poverty, and particularly how her ideological followers (whether they call themselves Objectivists, Randians or not) view and treat poverty. I have edited these slightly to make them make sense on their own, and for some grammar errors, or for clarification. Additions will be marked {thus}.
If you want to see a simulation of how an Objectivist society would go down, play Bioshock.
Enjoy!
~~~
When I first read (Ayn) Rand as a teenager, I loved her "perusing your own skills/ideals/whatnot to your own perfection" world view, but even then had trouble with her economics. As an adult, I do think there are things in her writing worth considering. My enormous trouble with her comes not from the fact that she has a economic ideology that I vehemently disagree with, but from what she does with it and how she expresses it. She had a fanatical hatred for the poor, calling them parasites and insisting that the world would be better off if they were removed from it (not lifted out of poverty by opportunity). That is more than a simply economic philosophy. She had a pathology about it. The irony is that when in dire straits herself she made use of the same safety net that she pontificated so loudly against.
And do not get me started on her Objectivist followers, they are such a hot mess it would take days to spell out everything wrong with their stances.
~~~
{On hating someone for being poor and apparently slothful.} Okay, but does that make any sense, either? Hating someone for something like that? And the very idea "people who were happy to remain poor" is bizarre, it makes no sense and has no reality in it whatsoever. But she did seem to think that such existed, and were a blight.
You are fine - I did not see it as semantics. And this is why it is important to really analyse literature, particularly when the author is openly promoting a particular world view. The saddest thing about Rand (besides the hypocrisy of her later life) is that it is really difficult to have a conversation like this where we talk about the ideas and do not degrade each other.
~~~
You cannot expect people to pull themselves up by their bootstraps when they have no boots.
In one hundred percent of my lived experience and anecdotal experiences I have been able to pursue, there is always a reason for not being able to take advantage of an opportunity. No one, I assert, no one is "happy" being poor. Some are making the best of their circumstances, and good for them if they can. Usually, people making that claim have no idea of the chasm between being on state sponsored assistance and becoming self-sufficient. Often, the job openings available cannot help bridge that chasm. But now we are getting past common perceptions of poverty and getting into the reality of it, and I do know know if this is a venue where that is desired, or if it is a part of the conversation worth getting into right now.
~~~
Eh, given that most state's assistance is not enough to live on, let long live a life of leisure, I have a hard time believing that. Are their some cases of welfare fraud? Sure. But the myth of the Welfare Queen, living a life of luxury courtesy of the state is just that: a malicious, ridiculous, and downright stupid myth. But the Randians eat it up and have made it a central pole in their tent of misguided self righteousness.
~~~
Ah, I see now. Thanks for the discussion, but you have some dead give a ways in your last two posts that lead me to believe we are not going to actually get anywhere with further discussion.
Because we could get into the weeds and prove that if you have children to care for, or conditions that require constant medical coverage, or any number of situations that make the gap between getting your first couple of paychecks and when the state cuts you off simply too wide for too many people - but you illustrate above that such would not really mean much to you. {I have done the math before, for multiple states - usually the new aid for an additional child will not even cover diapers, let alone be "extra money" in any way.}
I have lived, and am currently, living these situations. I am finding this a unique phenomena, the linking of morality to financial success or lack of it. It is bizarre. Not to knock you, specifically, I mean that it is a weird cultural thing.
~~~
{The conversation mostly devolved at that point. Reading the above, the poster took what I said and turned it into a tirade against them. It was a beautiful illustration of both missing the point, and turning logic into a personal attack. The poster also was apparently unaware that I am disabled, that that, yes indeed, they were talking about me. But this issue was bigger than that.}
Hmm, in my two paragraphs I do not see any twisting or manipulating - or even any of the extrapolation that would allow such. Hell, I did not even say that you were one of the people comfortable punishing poor people, only that perhaps you could educate me on their mindset. You do protest too much, I think.
And it is about me. It is about you. It is about everyone. It is about the poor. It is about the people that have been poor. It is about the people that will be poor. It is about everyone. And so, yeah, I am pretty damn uncomfortable with blanket moral judgments towards "the poor" as a group. Especially "slothful" - because that has to come from someone that has never been poor, because being poor is damn hard work. I do find it a convenient landmark, though, because the people that throw the word around obviously are completely disconnected from the work of just being poor. The running around, the appointments, the paperwork, the requirements just to receive any kind of aid - they do make you work for it. Hell, Disability alone takes an average of two to three years to resolve a case.
Most USian households are one paycheck, one health calamity, one car accident, from suddenly being poor. Do they deserve your moral indignation? No, they do not. But it is far too common to find your own "Welfare Queen or King" and decide that this morally bankrupt person is the face of the poor. Never mind that most aid is given to white house holds that simply had that one paycheck calamity. Or were downsized. Or became disabled. The true face of poverty in the US is us, you and me, not your "morally bankrupt" scapegoats. Much like in war, the dehumanization of the poor allows us to treat them as this other deserving of what ever they get. lucky for the scraps thrown their way.
There is a preponderance of evidence supporting the fact that we are the face of poverty. Or more appropriately, that you cannot generalize the way you would like to. If I thought I could change your mind, LMGTFY {Let Me Google That For You}, but you can easily do so if you want. You could have done so before this discussion, or during it.
Side note: I do not know about all states, but in mine if you are working on a 4 year degree you are disqualified from receiving help maintaining your household from the state. I know that for a been there, done that fact. Because your full class load keeps you from looking for full time work - so you are not eligible for aid. How is that for irony? Again, the result of policy makers having no contact with reality.
If you want to see a simulation of how an Objectivist society would go down, play Bioshock.
Enjoy!
~~~
When I first read (Ayn) Rand as a teenager, I loved her "perusing your own skills/ideals/whatnot to your own perfection" world view, but even then had trouble with her economics. As an adult, I do think there are things in her writing worth considering. My enormous trouble with her comes not from the fact that she has a economic ideology that I vehemently disagree with, but from what she does with it and how she expresses it. She had a fanatical hatred for the poor, calling them parasites and insisting that the world would be better off if they were removed from it (not lifted out of poverty by opportunity). That is more than a simply economic philosophy. She had a pathology about it. The irony is that when in dire straits herself she made use of the same safety net that she pontificated so loudly against.
And do not get me started on her Objectivist followers, they are such a hot mess it would take days to spell out everything wrong with their stances.
~~~
{On hating someone for being poor and apparently slothful.} Okay, but does that make any sense, either? Hating someone for something like that? And the very idea "people who were happy to remain poor" is bizarre, it makes no sense and has no reality in it whatsoever. But she did seem to think that such existed, and were a blight.
You are fine - I did not see it as semantics. And this is why it is important to really analyse literature, particularly when the author is openly promoting a particular world view. The saddest thing about Rand (besides the hypocrisy of her later life) is that it is really difficult to have a conversation like this where we talk about the ideas and do not degrade each other.
~~~
You cannot expect people to pull themselves up by their bootstraps when they have no boots.
In one hundred percent of my lived experience and anecdotal experiences I have been able to pursue, there is always a reason for not being able to take advantage of an opportunity. No one, I assert, no one is "happy" being poor. Some are making the best of their circumstances, and good for them if they can. Usually, people making that claim have no idea of the chasm between being on state sponsored assistance and becoming self-sufficient. Often, the job openings available cannot help bridge that chasm. But now we are getting past common perceptions of poverty and getting into the reality of it, and I do know know if this is a venue where that is desired, or if it is a part of the conversation worth getting into right now.
~~~
Eh, given that most state's assistance is not enough to live on, let long live a life of leisure, I have a hard time believing that. Are their some cases of welfare fraud? Sure. But the myth of the Welfare Queen, living a life of luxury courtesy of the state is just that: a malicious, ridiculous, and downright stupid myth. But the Randians eat it up and have made it a central pole in their tent of misguided self righteousness.
~~~
Ah, I see now. Thanks for the discussion, but you have some dead give a ways in your last two posts that lead me to believe we are not going to actually get anywhere with further discussion.
Because we could get into the weeds and prove that if you have children to care for, or conditions that require constant medical coverage, or any number of situations that make the gap between getting your first couple of paychecks and when the state cuts you off simply too wide for too many people - but you illustrate above that such would not really mean much to you. {I have done the math before, for multiple states - usually the new aid for an additional child will not even cover diapers, let alone be "extra money" in any way.}
I have lived, and am currently, living these situations. I am finding this a unique phenomena, the linking of morality to financial success or lack of it. It is bizarre. Not to knock you, specifically, I mean that it is a weird cultural thing.
~~~
{The conversation mostly devolved at that point. Reading the above, the poster took what I said and turned it into a tirade against them. It was a beautiful illustration of both missing the point, and turning logic into a personal attack. The poster also was apparently unaware that I am disabled, that that, yes indeed, they were talking about me. But this issue was bigger than that.}
Hmm, in my two paragraphs I do not see any twisting or manipulating - or even any of the extrapolation that would allow such. Hell, I did not even say that you were one of the people comfortable punishing poor people, only that perhaps you could educate me on their mindset. You do protest too much, I think.
And it is about me. It is about you. It is about everyone. It is about the poor. It is about the people that have been poor. It is about the people that will be poor. It is about everyone. And so, yeah, I am pretty damn uncomfortable with blanket moral judgments towards "the poor" as a group. Especially "slothful" - because that has to come from someone that has never been poor, because being poor is damn hard work. I do find it a convenient landmark, though, because the people that throw the word around obviously are completely disconnected from the work of just being poor. The running around, the appointments, the paperwork, the requirements just to receive any kind of aid - they do make you work for it. Hell, Disability alone takes an average of two to three years to resolve a case.
Most USian households are one paycheck, one health calamity, one car accident, from suddenly being poor. Do they deserve your moral indignation? No, they do not. But it is far too common to find your own "Welfare Queen or King" and decide that this morally bankrupt person is the face of the poor. Never mind that most aid is given to white house holds that simply had that one paycheck calamity. Or were downsized. Or became disabled. The true face of poverty in the US is us, you and me, not your "morally bankrupt" scapegoats. Much like in war, the dehumanization of the poor allows us to treat them as this other deserving of what ever they get. lucky for the scraps thrown their way.
There is a preponderance of evidence supporting the fact that we are the face of poverty. Or more appropriately, that you cannot generalize the way you would like to. If I thought I could change your mind, LMGTFY {Let Me Google That For You}, but you can easily do so if you want. You could have done so before this discussion, or during it.
Side note: I do not know about all states, but in mine if you are working on a 4 year degree you are disqualified from receiving help maintaining your household from the state. I know that for a been there, done that fact. Because your full class load keeps you from looking for full time work - so you are not eligible for aid. How is that for irony? Again, the result of policy makers having no contact with reality.
Thursday, June 16, 2011
ProTips: Skimping Without Going Without
Times are hard all over (mostly, and if you are part of the USian 1% that is getting richer, you probably are not reading here). Everyone tries to save money. Here is some (sometimes hard earned) advice for skimping without going without. Feel free to add your tips in the comments!
If your income is desperately low, look for help. There are programs out there specifically designed to help you, including help with heat, electricity, prescription meds and health insurance. Do not be ashamed to make use of the tools available to you. This is their purpose! If you are doing okay, donate some money, resources, or effort to the same.
Now on to the tips. Your mileage may vary. Pick what works for you and disregard what does not – that is what this is for!
Never go cheap on feminine hygiene products. Never go cheap on diapers. Exception: advice from a trusted source. Not only do you spend more money when you have to go out and get the good stuff due to product failure, but you usually find out via embarrassment and ruined clothes and more expense.
Some generic products are differently packaged products from brand name production lines. Do your research and find where you are spending more for nothing.
Consider growing your own food when and where you can. Even though my garden cost a couple of hundred dollars to put together initially (including fencing – ouch!), we still saved almost $400 dollars in grocery bills that year. With the initial set-up out of the way, we save much more. Try to grow from seeds or the smaller starter plants – these get more expensive the more developed they are when sold. Consider potted plants or Topsy Turvy tomato planters for apartments.
Look into local garden/DIY collectives. Not only can you save time, money, and effort collaborating with nearby folks, but it is good to have connections with people that have the same concerns as you.
Make your own sex toys! Use your common sense, research and think - particularly with insertable toys. Floggers, clamps, paddles, a lot of these can be made on the cheap side, and you can make them exactly the way you want them. DO NOT MAKE YOUR OWN BIRTH CONTROL OR SKIMP ON BC. Read review sites like BDSMLab to make sure you are getting what you want for your dollar.
Trade favors with your family and neighbors. Some folks in our neighborhood trade garden goods. Others trade babysitting for lawn care. Find out what other folks need and if they can help with your needs. Make sure everyone feels treated fairly. It is better to agree that a deal cannot be made than to make a bad connection.
Become familiar with Lifehacker, WikiHow, and other DIY (Do It Yourself) sites. Also look into home-brewed shampoos, beauty products, cleaning products. Green environment sites often have cost saving benefits too.
Weigh what you are spending and where you can cut. For example, we thought we could save money by taking our recycling to a drop off point verses paying to have it picked up. This was true until gas prices started to rise. Now the cost of curb pick up seems blissfully cheap compared to taking it ourselves. Plus we no longer have to store it longer than two weeks at a time.
Save up your errands to run all together. Or, alternatively, run them on the way to or from work or school. For one item stops, pass your cash to someone else that is going if they will pick up that one thing for you.
Be careful buying in bulk. Many manufacturers have caught on to the bulk craze and you may not be saving as much as you think. The same is true for some thrift stores. Tip: thrift stores in upscale strip malls are often more expensive than the same store and item in a more economically stressed neighborhood.
Sign up for e-mail lists from your favorite retailers. Decide if handfuls of useless e-mails are worth the occasional one with that can’t-pass-it-up bargain. Your time is valuable; you could be doing something else with it – so choose wisely.
Check out consumer web sites, particularly big ticket items like appliances, vehicles, etc… In a pinch, look at Amazon.com for the product and read the reviews. Consumer Reports is the gold standard, but is subscription based, with annual and monthly options. There are plenty of free review sites out there. Read the threads, if there is a Stan or sock puppet in there, usually they will get found out.
Look for alternatives that generate equal results. For some pants, blouses and sweaters I will use Dryel, but winter coats and such need to be dry cleaned to keep them in good shape and decrease the chance that they will need to be replaced.
Learn how to mend! Basic sewing kids cost very little, and being able to replace a button, darn a small hole, or repair a loose hem can save you a lot of money, particularly if you are part of a family. (Kids clothes are particularly prone to mending needs.)
Invest in a good stain remover – it is much less expensive than replacing clothes.
Do not throw away the circulars you get in the mail. Sometimes you can find good bargains on big ticket items like HVAC maintenance and roof repair. On the other end of the budget, $1 off of brand name cereal may not seem like a lot, but if you use one every week, that can add up quick. I also advise planning grocery shopping around store sales.
Put some of your saved money away for something fun, even if you feel like you cannot afford it. Even if it is a DVD for the family to enjoy, or dinner out, find something that pays you back in enjoyment for your time and effort. Being “poor” does not equal not having modern human needs. Recreation is a part of sanity maintenance!
If your income is desperately low, look for help. There are programs out there specifically designed to help you, including help with heat, electricity, prescription meds and health insurance. Do not be ashamed to make use of the tools available to you. This is their purpose! If you are doing okay, donate some money, resources, or effort to the same.
Now on to the tips. Your mileage may vary. Pick what works for you and disregard what does not – that is what this is for!
Never go cheap on feminine hygiene products. Never go cheap on diapers. Exception: advice from a trusted source. Not only do you spend more money when you have to go out and get the good stuff due to product failure, but you usually find out via embarrassment and ruined clothes and more expense.
Some generic products are differently packaged products from brand name production lines. Do your research and find where you are spending more for nothing.
Consider growing your own food when and where you can. Even though my garden cost a couple of hundred dollars to put together initially (including fencing – ouch!), we still saved almost $400 dollars in grocery bills that year. With the initial set-up out of the way, we save much more. Try to grow from seeds or the smaller starter plants – these get more expensive the more developed they are when sold. Consider potted plants or Topsy Turvy tomato planters for apartments.
Look into local garden/DIY collectives. Not only can you save time, money, and effort collaborating with nearby folks, but it is good to have connections with people that have the same concerns as you.
Make your own sex toys! Use your common sense, research and think - particularly with insertable toys. Floggers, clamps, paddles, a lot of these can be made on the cheap side, and you can make them exactly the way you want them. DO NOT MAKE YOUR OWN BIRTH CONTROL OR SKIMP ON BC. Read review sites like BDSMLab to make sure you are getting what you want for your dollar.
Trade favors with your family and neighbors. Some folks in our neighborhood trade garden goods. Others trade babysitting for lawn care. Find out what other folks need and if they can help with your needs. Make sure everyone feels treated fairly. It is better to agree that a deal cannot be made than to make a bad connection.
Become familiar with Lifehacker, WikiHow, and other DIY (Do It Yourself) sites. Also look into home-brewed shampoos, beauty products, cleaning products. Green environment sites often have cost saving benefits too.
Weigh what you are spending and where you can cut. For example, we thought we could save money by taking our recycling to a drop off point verses paying to have it picked up. This was true until gas prices started to rise. Now the cost of curb pick up seems blissfully cheap compared to taking it ourselves. Plus we no longer have to store it longer than two weeks at a time.
Save up your errands to run all together. Or, alternatively, run them on the way to or from work or school. For one item stops, pass your cash to someone else that is going if they will pick up that one thing for you.
Be careful buying in bulk. Many manufacturers have caught on to the bulk craze and you may not be saving as much as you think. The same is true for some thrift stores. Tip: thrift stores in upscale strip malls are often more expensive than the same store and item in a more economically stressed neighborhood.
Sign up for e-mail lists from your favorite retailers. Decide if handfuls of useless e-mails are worth the occasional one with that can’t-pass-it-up bargain. Your time is valuable; you could be doing something else with it – so choose wisely.
Check out consumer web sites, particularly big ticket items like appliances, vehicles, etc… In a pinch, look at Amazon.com for the product and read the reviews. Consumer Reports is the gold standard, but is subscription based, with annual and monthly options. There are plenty of free review sites out there. Read the threads, if there is a Stan or sock puppet in there, usually they will get found out.
Look for alternatives that generate equal results. For some pants, blouses and sweaters I will use Dryel, but winter coats and such need to be dry cleaned to keep them in good shape and decrease the chance that they will need to be replaced.
Learn how to mend! Basic sewing kids cost very little, and being able to replace a button, darn a small hole, or repair a loose hem can save you a lot of money, particularly if you are part of a family. (Kids clothes are particularly prone to mending needs.)
Invest in a good stain remover – it is much less expensive than replacing clothes.
Do not throw away the circulars you get in the mail. Sometimes you can find good bargains on big ticket items like HVAC maintenance and roof repair. On the other end of the budget, $1 off of brand name cereal may not seem like a lot, but if you use one every week, that can add up quick. I also advise planning grocery shopping around store sales.
Put some of your saved money away for something fun, even if you feel like you cannot afford it. Even if it is a DVD for the family to enjoy, or dinner out, find something that pays you back in enjoyment for your time and effort. Being “poor” does not equal not having modern human needs. Recreation is a part of sanity maintenance!
Now you can share your favorite tips below!
Wednesday, April 6, 2011
Stating the Obvious on Medical Costs
In editing this piece, I realize that it is fairly hot and heavy handed. I simply cannot apologize for my vehemence, but now you know that it is there.
Many don’t take prescriptions because of the cost
I saw this on abbyjean's Tumblr.
Wow, LA Times, really?!? Gee, next they will find out that people break compliance with follow up or specialist visits due to money or circumstance. Holy fuck, do folks really have their heads buried quite that deeply up their own asses?
Yes, people want to follow up with their doctor’s orders, recommendations, prescriptions, suggestions, and referrals. This is why low income folks have such terrible compliance levels. Fucking hell. I can think of three big roadblocks right off the top of my head: no money, no time off from work or childcare, and no ride. We can dig deeper: some people are neglected and abused, at home and maybe at previous providers. Have you shamed a patient away because they were fat, slutty, or sloppy*? Did you do it with some snide comment in the hallway you thought they couldn’t hear?
We want to get better, just like everyone else does, dammit! There’s just a lot in the way that you cannot see, because you see a diagnosis waiting to be made, not a whole person. Can you just take one damn minute before you put your hand on the blasted door knob, and deliberately employ a gestalt point of view for just sixty bloody seconds? Are they seeing you on Medicare, Medicaid, or their own dimes? If the patient has transportation programs, sliding scales, pharmacy discounts, and/or drug manufacturer discounts available to them do they even know? Because it is just as bad as having no options if you do not know they exist.
Sure, maybe you and your staff just cannot handle trying to keep track of that on top of every thing else you have to manage. I get that, I really do. So help the economy by hiring someone to do it for you – all they would need is a high school degree, some empathy, and some tenacity. With the additional people you can help, maybe it will even cover an additional employee.
* Fat, slutty, or sloppy were just a few adjectives I have heard office or hospital staff use regarding patients. I offer no judgments to folks that are fat, appear to numerous sexual partners (people suck), or folks who have a hard time bringing themselves around to what their community considers acceptable appearance standards. Neither should their damn medical professionals!
Many don’t take prescriptions because of the cost
I saw this on abbyjean's Tumblr.
Wow, LA Times, really?!? Gee, next they will find out that people break compliance with follow up or specialist visits due to money or circumstance. Holy fuck, do folks really have their heads buried quite that deeply up their own asses?
Yes, people want to follow up with their doctor’s orders, recommendations, prescriptions, suggestions, and referrals. This is why low income folks have such terrible compliance levels. Fucking hell. I can think of three big roadblocks right off the top of my head: no money, no time off from work or childcare, and no ride. We can dig deeper: some people are neglected and abused, at home and maybe at previous providers. Have you shamed a patient away because they were fat, slutty, or sloppy*? Did you do it with some snide comment in the hallway you thought they couldn’t hear?
We want to get better, just like everyone else does, dammit! There’s just a lot in the way that you cannot see, because you see a diagnosis waiting to be made, not a whole person. Can you just take one damn minute before you put your hand on the blasted door knob, and deliberately employ a gestalt point of view for just sixty bloody seconds? Are they seeing you on Medicare, Medicaid, or their own dimes? If the patient has transportation programs, sliding scales, pharmacy discounts, and/or drug manufacturer discounts available to them do they even know? Because it is just as bad as having no options if you do not know they exist.
Sure, maybe you and your staff just cannot handle trying to keep track of that on top of every thing else you have to manage. I get that, I really do. So help the economy by hiring someone to do it for you – all they would need is a high school degree, some empathy, and some tenacity. With the additional people you can help, maybe it will even cover an additional employee.
* Fat, slutty, or sloppy were just a few adjectives I have heard office or hospital staff use regarding patients. I offer no judgments to folks that are fat, appear to numerous sexual partners (people suck), or folks who have a hard time bringing themselves around to what their community considers acceptable appearance standards. Neither should their damn medical professionals!
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