dude
Round here, most of the working poor I know are mainly fed up with lack of opportunity or financial traps that are almost unavoidable.
They work hard, but because so much of the available apartments are now owned by the yuppie get rich quick crowd, rents are high. They could move into the few cheap places left, but then they’d face high crime, racism, and landlords who don’t like to fix anything.
The banks charge for everything, it seems, but walking into the places, as if they are on the verge of going bust.
Loan interest rates are high and unless you have around twice the desired amount in valuables the bank can grab if you default, you won’t get approved. Loan companies are a bit easier, but their interest rates are one step below the Mafia’s.
These rent-to-own companies suck people in by offering easy terms for cheap goods, but in the end, the buyers pay twice the amount for the product than if they had bought it at a store outright.
Land values are continually going up, so if they own a house, their yearly insurance and property taxes keep going up also.
Many work two jobs, but if they keep that up over a few years, they start getting exhausted and sickness usually follows. A friend of mine worked 3 in order to make the fantastic sum of $24,000 a year and it wore him out! He did not get more than 5 hours sleep a night and after two years, just had to give up all but one job.
There are opportunities for large paying jobs, but to ‘earn’ them, the providers expect you to work something like 60 hours a week for 40 hours pay until you are approved and accepted. Heck, managers for the fast food industry make around $22,000 a year but have to almost camp at their restaurants to get the work done and keep the minimum wage workers from stealing half of the inventory.
New cars are expensive as hell, plus the required insurance needed for them. Health insurance is exorbitantly expensive unless your place of business provides it, gas is too high, electric is going up and the price of food keeps rising. So, unless one can manage to make at least $30,000 a year, forget having a pleasant or reasonably pleasant life.
One thing that gets most working poor (yes, I’ve stolen the phrase because it is so appropriate) is health care. All over TV we get reports of fantastic life saving operations and treatments, new wonder medications and caring, better clinics. All geared to people with great insurance and incomes of over $100,000 a year.
Want white teeth? Fork over $1000 for the treatment. Need a heart transplant? Got $100,000 laying around plus another $5,000 per year for anti-rejection medication you’ll need for the rest of your life? Cancer? Better be able to pay $50 to $200,000 for treatment. Got AIDS? Can you afford $500 to $800 a month for medication, plus $1000 a day for any time you spend in the hospital? Glasses? Well, $45 for the examination, which is fine, but $300 for the glasses! Need bone surgery? Rob a bank buddy because we’re talking around $20,000 and up.
Know how many people spend at least $200 a month on medications to keep them alive? There are more who spend $400 and up. A dentist will charge $100 to pull a tooth. Psychiatric therapy, which you’ll need for the depression you’ll get not being able to afford medical bills, will cost from $110 to $300 an hour. Medication will cost from $60 to $100 a month.
If you have kids, then be prepared to spend at least $6000 a year for their basic care, each. If you want a kid, the baby doctor wants $5000, at least $2500 up front before delivery. Hope like hell that the kid arrives healthy because if not, then look at $50 to $200,000 in medical care.
Getting old? There’re all sorts of cosmetic surgeries to make you look young, but they start at $2000 and go up from there. Only the well off may look young.
I can’t say much about cell phones, because I’ve seen stupid people living dirt poor who have them when owning a regular phone would have cost them 1/4 as much. Cell phones are being pushed as a status symbol.
I saw this car on TV. It’s got built in hands off cell phone, computer dash, memory seats, this special service for locating where you are and where gas stations might be and even to unlock your doors if you lock the keys in. It also has a built in locator if it is stolen. It does everything but give you a drink and a hummer as you drive.
Now, like someone making $30,000 a year can ever actually buy one.
If you notice, the cheaper cars, which people making under $50,000 a year can afford are also the most dangerous ones on the road. You know, those little things which have so many ‘crush zones’ on them that if they get hit, they crumple like beer cans? If you make over $100,000 a year, you ride in a luxury tank that can drive through cement walls.
I mean, the difference between rich and poor is really dramatic these days with ultra luxury items showing up because we have this major group of rich who can’t spend money fast enough!
Like the $100,000 HumV. I spotted an extended, limo-like HumV the other day and almost fell over. I personally get irritated at watching these old car shows, where these guys spend $200,000 fixing up a 1940s whatever and they also have a 52 Chevy they casually dropped $100,000 into and they just bought for $70,000 a rusty whatever and expect to spend $150,000 restoring it and this is just a hobby they like to do in their spare time.
I’m not going into the new and expensive extreme sports that not only cost a bundle for the gear, but you have to be able to travel all over the globe to play. Aspen skiers have always been considered idle rich and snobs, but they pale in comparison to the new globe hoppers.
Now, think about arriving home after working 10 hours, making $30,000 a year and seeing all of this GREAT STUFF available for the rich and think about how you’d feel.
I nearly forgot. After all of the hurricane disasters because of cheaply built, over priced houses, they have hurricane proof ones being built. There are two types. One which will stand a bad hurricane with minimum damage and one which will tolerate something like a nuclear blast. Both types are far too expensive for anyone making below $100,000 a year.
So, only the well off have the opportunity to survive a hurricane in comfort.
There’s trouble a’brewin in the wind. Yes, Sir, m’boy. Better think about finding some high ground.