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No Money, No Time

193 点作者 aturek将近 11 年前

12 条评论

beat将近 11 年前
The thing that frustrates me the most about this situation is the waste of human capital this represents for society. Now, I&#x27;m a firm believer that society is advanced mostly by a small minority of highly talented individuals - the intelligent, creative, charismatic, and hardworking few change the game for everyone else.<p>Now, what happens when those rare talents are born into the cycle of poverty? What lessons do they learn? Too often, their talents just get them into trouble. They find themselves caught up in crime, addiction, and the other short-term thinking failures of poverty, and thus unable to express their talent. Worse, society simply expects nothing of them. They have no role models, and they have no external motivations to be and do better.<p>Even those who can do better often simply escape, leaving the culture of their birth behind. Frankly, I did that. I was raised about one step above what southerners call &quot;white trash&quot;. My father, a tremendously intelligent and charismatic man, was constantly lured by petty crime and get-rich-quick ideas, and wasted his life. His interactions with the wealthy men he worked for generated feelings not of admiration and example, but contempt. To this day, when I&#x27;m not sure what to do about a situation, I think of what he would have done, and do the opposite. And he took a big step up himself - I remember visiting my grandfather&#x27;s farm in rural Kentucky as a child. I didn&#x27;t notice the lack of electricity or running water at the time. I notice it now. My father escaped sharecropping, but he never escaped his own demons.<p>I see the effects of those escapes now in my sister&#x27;s life. She loves living in the rural south, but is constantly brought down by the ignorance and awful habits of her neighbors. Everyone in her area (southern Virginia) who has any brains simply moves away. What&#x27;s left are the addicts, the fools, and the spiteful. Sure, it&#x27;s beautiful there, but I don&#x27;t see how she can stand living around people with so little ambition. I do, however, see how she suffers in poverty and hopelessness.<p>Me, I got up and left. I made a good career for myself, living in a nice safe neighborhood in a beautiful city, making a good income in a safe field, raising my kids safe from the things that got me as a child. I can&#x27;t imagine going back to that life.<p>But oh, so many lost souls. So much talent put to waste in jail or in the grave. This is what we allow poverty to do to our society.
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alexqgb将近 11 年前
Outside of the SV bubble, it&#x27;s extraordinarily difficult to fail without seeing your credit take a serious hit. And boy howdy is getting back on your feet hard when you (a) can&#x27;t get an apartment, and (b) find yourself getting screened out of otherwise available jobs. Forget getting money on loan, this is just getting access to the basics of economical survival - work to do and a place to sleep.<p>The fact that we punish economic failure by making economic success even harder to achieve is evidence of the deep insanity within American culture. Sink or swim is a misnomer. Swim or be drowned is closer to the mark.<p>So it&#x27;s great that we&#x27;re making technical progress on every front imaginable. But how many of these advances see their promise still born in a culture that pays more attention to recycling its trash than the people it discards on its streets?<p>This winner-take-all&#x2F;losers-get-ruin problem goes way beyond the business cycle. As Reuters noted a couple of years ago, entrepreneurship has been suffering a decades-long retreat. Having peaked in 1987, it&#x27;s declined precipitously ever since.<p><a href="http://www.reuters.com/article/2012/05/02/us-usa-economy-businesses-idUSBRE84113G20120502" rel="nofollow">http:&#x2F;&#x2F;www.reuters.com&#x2F;article&#x2F;2012&#x2F;05&#x2F;02&#x2F;us-usa-economy-bus...</a><p>In just about every way imaginable, SV is the exception not the rule. For those who are young enough, smart enough, skilled enough, male enough, credentialed enough, connected enough, unencumbered enough, and possibly delusional enough it&#x27;s great. But strike any one of those factors from the list, and watch the curve get steep. Start crossing off two or more and the odds on the lottery start looking good.<p>Those are the odds that the rest of America sees. So it&#x27;s no wonder they&#x27;re backing further and further away from risk, regardless of the long-terms costs the country. Until this country has a social contract that&#x27;s worth a damn, people are going to be very adverse to even the slightest setback. And for good reason.<p>After all, there&#x27;s a big difference between the kind of failure that can be chalked up &quot;a valuable learning experience&quot; and failure so catastrophically crushingly severe you never, ever, get back on your feet. There&#x27;s a lot of that in America. It&#x27;s where the Fear comes from. That&#x27;s what drives most people. Not dreams of being one of the great or the good. Those are luxuries for the fortunate few. Most people just live in constant dread of being thrown in the street.
incision将近 11 年前
I&#x27;m glad to see a few studies bearing out the sort of things I perceived growing up.<p><i>&#x27;To him, the obvious conclusion is to radically change our thinking. “Just like you wouldn’t charge them $1,000 to fill out a form, you shouldn’t charge them $1,000 in cognitive complexity,” he says. One study found that if you offer help with filling out the Fafsa form, pickup goes up significantly.&#x27;</i><p>I believe this is exactly the right sort of thinking. Finding ways to encourage and enable people to start moving gradually in order to build positive momentum.<p>The &quot;front loading&quot; of forms, waiting lists and probationary periods are like mountains. Some people break themselves on the ascent, others spend themselves reaching the summit and have no energy to continue safely down the far side. These man made mountains need not remain arbitrarily steep.
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sogen将近 11 年前
Another article in the increasing line of studies of the poor getting poorer.<p>tl;dr: The poor are worse at managing time and money because they are exhausted all the time and have fewer&#x2F;no options (i.e. costlier credits than the wealthy)
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Mz将近 11 年前
I just wish that articles like this focused more on how to solve it. It&#x27;s nice that it acknowledges the problem. But that is not enough. The end of the piece gives a small snippet of examples of what works.<p>How do we start promoting things that do work? That really work? I think that does not get done in part because many people really do not want &quot;the poor&quot; to solve their problems. I do not understand why that is but there seems to be a hostile attitude towards poor people, as if being poor is evidence of lack of good morals or something and thus you deserve to suffer.<p>But this doesn&#x27;t just hurt people who are currently poor. It means anyone who falls down gets kicked while they are down so it becomes unlikely they can get back up. This is not a good paradigm for society. It hurts everyone.
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jseliger将近 11 年前
I wrote about this in more detail here: <a href="http://blog.seliger.com/2014/06/15/talking-about-progressive-ideals-in-proposals-money-time-and-poverty-in-grant-writing/" rel="nofollow">http:&#x2F;&#x2F;blog.seliger.com&#x2F;2014&#x2F;06&#x2F;15&#x2F;talking-about-progressive...</a> , but one underappreciated facet of this dynamic is the extent to which the infrastructure we&#x27;ve collectively put in place to help people financially and otherwise has an enormous time cost of its own.<p>I do grant writing for nonprofit and public agencies. Virtually all federal, state, and local programs either mandate or imply that case managers must be hired or deployed. Each one of those people, and each one of their interactions, carries a cost. The situation is different from but still analogous to the one pg describes in &quot;Makers Schedule, Managers Schedule&quot;: <a href="http://paulgraham.com/makersschedule.html" rel="nofollow">http:&#x2F;&#x2F;paulgraham.com&#x2F;makersschedule.html</a> .
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gambiting将近 11 年前
&gt;&gt;It wasn’t that the poor participants were doing better; it was that the rich ones were doing worse.<p>I reminds me of a sentence from a recent study of breastfeeding vs. formula milk - &quot;It&#x27;s not that natural milk is better for babies - it&#x27;s that baby formula is worse for the babies&quot;.
harmonicon将近 11 年前
In a capitalist society, the key to &quot;a good life&quot; is passing a certain threshold of capital accumulation. The poor, not having much to begin with, has to constantly fight this uphill battle of trying to save more money, of finding more resources constantly, adding to their net worth, etc. This article shows that there is even an adverse psychological effect that makes reaching the goal still harder. All this seems to require big intervention of the governments part to level the playing field and make capital accumulation possible.<p>Unfortunately in the US, one bad financial decision, one loss of job, one bad case of illness or one trouble at home can reset the pool to 0 and often negative due the extensive background and credit history checking. It is the US government&#x27;s responsibility to fix this because we submit to its authority, fund its existence and elect its officials for the purpose of trusting it to steward our nation and its people. Sadly when I tune into the political discourse it&#x27;s all about gun&#x2F;abortion&#x2F;tax&#x2F;federal debt and whatever other kinds of &quot;freedom&quot;. Why is helping people never and enhancing social mobility on the table. And I am so so tired of politicians parading education as the silver bullet.
javajosh将近 11 年前
We are hackers, and for those of us with whom this article resonates, we can connect those with time but little money (e.g. teenagers looking for charities to contribute to) with the poor through technology. The teens could help with chores, maintenance, errands, filling out forms. Taking some of the time-pressure off might help them to get out of the cycle.<p>I&#x27;m willing to build it if you are. Contact me.
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jqm将近 11 年前
This was a good article.<p>The comments seem to focus mostly on the financial aspects but I found the portion regarding how time is spent interesting. (True, the article does tie them together to an extent).<p>As far as financial poverty... my personal opinion is that &quot;finance&quot; is too widely regarded as an unalterable given that is intrinsic to the human condition. Certainly the concept of money has produced a system that has advanced human control over our environment, but a bit of perspective suggests it is a concept that we did without for tens of thousands of years. And, I suspect sometime in the future we will do without it again.<p>Maybe not &quot;poor people need money&quot; but rather &quot;hungry people need food&quot; might be the type of larger and more directly useful framework to address some of these problems within. Certainly we are at the level we should be able to provide basic food, clothing and shelter to all members of our species and no one should suffer and die from want. If we aren&#x27;t doing this, given what we have and what we can do, then there is something wrong with the system and this needs correcting before we will be able to move much further. IMHOP. Maybe the thing that got us here (the concept of money) is becoming a conceptual problem that is now keeping us from advancing further. I don&#x27;t have a fix. I just see what I think is part of the problem.
fit2rule将近 11 年前
There&#x27;s a saying, it goes like this: &quot;its expensive being poor&quot;, and its really the truth. If you don&#x27;t have enough money to buy in bulk, you end up paying way more for the smaller amount of product. If you can&#x27;t afford to spend time on something because you have a limited number of calories before you become unproductive, and therefore have to work on aquiring more calories, then you&#x27;re stuck in a feedback loop of no progress. And so it goes.<p>This is why the truly rich (not necessarily wealthy) find pleasure in lifes&#x27; simple, cheap, offerings. It&#x27;s almost impossible to find vegetables as good as the ones we grow in our home garden, but yet it takes on average 30 minutes of work every day to keep things in order .. finding that balance is what is key to moving from being poor to rich, in my opinion. The time not spent getting in the car to go grocery shopping is instead spent maintaining a well-ordered garden plot ..
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yummyfajitas将近 11 年前
Strange that little correlation data is provided. Microdata is available from the BLS on what people spend time on, sliced by income and poverty.<p>Checking whether poverty or low income are correlated with having little time should be a fairly straightforward python&#x2F;pandas job. It seems unlikely that the money-poor are also time-poor (given that the main cause of money-poverty is not working), but it&#x27;s straightforward to check in any case.<p><a href="http://www.bls.gov/tus/#data" rel="nofollow">http:&#x2F;&#x2F;www.bls.gov&#x2F;tus&#x2F;#data</a><p>If I have time tomorrow I may do it myself.
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