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	<title>Comments on: Are You a Money Victim?</title>
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	<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: Jessica</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-921906</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Sat, 21 Aug 2010 17:41:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-921906</guid>
		<description>I have to say this is the best article I have read thus far. I find myself making excuses for the things I want to do. Although, I think I am getting better at actually doing things and not making excuses. I really have to push myself and I get more reward out of getting things done.</description>
		<content:encoded><![CDATA[<p>I have to say this is the best article I have read thus far. I find myself making excuses for the things I want to do. Although, I think I am getting better at actually doing things and not making excuses. I really have to push myself and I get more reward out of getting things done.</p>
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		<title>By: DDFD at DivorcedDadFrugalDad</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-767830</link>
		<dc:creator>DDFD at DivorcedDadFrugalDad</dc:creator>
		<pubDate>Tue, 01 Sep 2009 16:30:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-767830</guid>
		<description>People usually don&#039;t change or make changes until they reach the point of not being able to stand another minute of how things are . . . sounds like you have been there too.</description>
		<content:encoded><![CDATA[<p>People usually don&#8217;t change or make changes until they reach the point of not being able to stand another minute of how things are . . . sounds like you have been there too.</p>
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		<title>By: mary</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-758747</link>
		<dc:creator>mary</dc:creator>
		<pubDate>Fri, 21 Aug 2009 00:38:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-758747</guid>
		<description>Well, you can certainly tell the &quot;victims&quot; from the non-victims by the responses.   Some of those who rant about the hardships in America and how hard it is, seem to be missing the point.  Even a very poor person who works hard all their lives and lives with tragedy may not see their situation as being a victim.  Somehow the rants got off on the poor versus the rich.  There are rich folks who see themselves as victims.  I know someone who lost a couple of million in the recent market meltdown.  He still has millions.  But he sees this as the fault of the market and not his own fault for being greedy and being in very risky, volatile investments. He seems himself as an innocent victim of the government policies, the market, Wall Street, etc.   Being a victim really doesn&#039;t have to do with your situation, it has to do with your viewpoint on the world.  Bad things happen to good people.  But it is the perception and the reaction that define who is a victim and who is not.</description>
		<content:encoded><![CDATA[<p>Well, you can certainly tell the &#8220;victims&#8221; from the non-victims by the responses.   Some of those who rant about the hardships in America and how hard it is, seem to be missing the point.  Even a very poor person who works hard all their lives and lives with tragedy may not see their situation as being a victim.  Somehow the rants got off on the poor versus the rich.  There are rich folks who see themselves as victims.  I know someone who lost a couple of million in the recent market meltdown.  He still has millions.  But he sees this as the fault of the market and not his own fault for being greedy and being in very risky, volatile investments. He seems himself as an innocent victim of the government policies, the market, Wall Street, etc.   Being a victim really doesn&#8217;t have to do with your situation, it has to do with your viewpoint on the world.  Bad things happen to good people.  But it is the perception and the reaction that define who is a victim and who is not.</p>
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		<title>By: Gustavo Bonato</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-758271</link>
		<dc:creator>Gustavo Bonato</dc:creator>
		<pubDate>Thu, 20 Aug 2009 14:15:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-758271</guid>
		<description>You sound like one of those gurus... but I like your tone and agree with all you wrote.</description>
		<content:encoded><![CDATA[<p>You sound like one of those gurus&#8230; but I like your tone and agree with all you wrote.</p>
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		<title>By: Kevin@OutOfYourRut</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757483</link>
		<dc:creator>Kevin@OutOfYourRut</dc:creator>
		<pubDate>Wed, 19 Aug 2009 13:58:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757483</guid>
		<description>Lenore (29)--You&#039;ve hit on some good points, but I can most definately relate to the time issue with kids.  My kids are teens, but the reality of life is that kids take time and emotional energy to deal with.  

Kids WILL change your schedule and command a large share of your time.  They have schedules outside the house, homework and school issues that need to be dealt with, and even though you give them chores to do, the amount of work around the house is multiplied considerably because they do everything in hyperspeed--eat, change clothes, make messes, you name it, you&#039;re always dealing with SOMETHING, which often makes it difficult to concentrate on what you&#039;re planning to do.  Just trying to keep up with their energy levels and mood swings can be draining. 

So it&#039;s important to realize that different people, in different circumstances and facing unique problems won&#039;t have absolute control over time and efforts.  But I think the important thing to take away is that even when we&#039;re &quot;in the weeds&quot; so to speak, we still need to have a plan/goal ahead of us that we move toward if only gradually.  

Circumstances are real and they DO slow us down, but we can&#039;t camp in them either, not if we plan on having any kind of engaging future.</description>
		<content:encoded><![CDATA[<p>Lenore (29)&#8211;You&#8217;ve hit on some good points, but I can most definately relate to the time issue with kids.  My kids are teens, but the reality of life is that kids take time and emotional energy to deal with.  </p>
<p>Kids WILL change your schedule and command a large share of your time.  They have schedules outside the house, homework and school issues that need to be dealt with, and even though you give them chores to do, the amount of work around the house is multiplied considerably because they do everything in hyperspeed&#8211;eat, change clothes, make messes, you name it, you&#8217;re always dealing with SOMETHING, which often makes it difficult to concentrate on what you&#8217;re planning to do.  Just trying to keep up with their energy levels and mood swings can be draining. </p>
<p>So it&#8217;s important to realize that different people, in different circumstances and facing unique problems won&#8217;t have absolute control over time and efforts.  But I think the important thing to take away is that even when we&#8217;re &#8220;in the weeds&#8221; so to speak, we still need to have a plan/goal ahead of us that we move toward if only gradually.  </p>
<p>Circumstances are real and they DO slow us down, but we can&#8217;t camp in them either, not if we plan on having any kind of engaging future.</p>
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		<title>By: Lenore</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757302</link>
		<dc:creator>Lenore</dc:creator>
		<pubDate>Wed, 19 Aug 2009 08:01:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757302</guid>
		<description>I&#039;m back again to see how this conversation has progressed.  Lordy, TSD can be addictive.  Thanks for the kind comments, Rosa and Damester.  Trent, we may not always see eye to eye, but I have to applaud you for tackling big issues and inspiring healthy debate.

If I may indulge in a tangent, I saw &quot;Julie &amp; Julia&quot; today, and it was quite inspiring.  Julie is a would-be writer who counteracts her ADD tendencies by making herself stick to a daily assignment of cooking and blogging about it.  How could I not be reminded of you, Trent, with your love of food and dedication to this forum?  Self-discipline is tough sometimes, but you and she are living proof that it can pay off.  Afterall you both got book deals, and all I&#039;ve gotten is jealous.

If I look in the mirror, I must admit I&#039;m not going to feel fulfilled until I publish my writing somewhere besides here and those silly comment boxes at the end of online articles.  I&#039;m not entirely sure what I want to say, but I have a consuming need to express myself for catharsis and the sheer joy of playing with words.

So I&#039;m dabbling with a few short stories and poems and wondering if I ought to set up a blog too.  My problem is always dropping projects and never picking them up again.  I either have ADD or it&#039;s part of the manic phase of my bipolar disorder.  Sometimes I have too many ideas to keep up with, and other times I&#039;m too depressed to act on anything.  Whatever the deal is, it&#039;s my problem and nobody else&#039;s.  I can either try to overcome it or wallow in self-pity the rest of my life.

So I do believe in self-determination and not giving up.  I also know the journey to success is harder for some than others.  As I sit here on my fat @$$ collecting disability checks, I may be the scourge of many of your readers&#039; imaginations.  If I&#039;d had kids (or my tubes became untied), I might be one of those villified welfare mothers who supposedly suck up the resources of our great capitalist nation.  I&#039;ve certainly harangued myself for being a failure and felt ashamed to accept government assistance.
Yet I don&#039;t blame anyone else for accessing help when they need it.

America has such a bewildering blend of sympathy, apathy and outrage when it comes to the poor.  It&#039;s exhausting to contemplate and frustrating to navigate.  There&#039;s a class war going on, but we try to pretend we don&#039;t have castes, no matter how hard it may be to change one&#039;s station.  Instead of a Cold War, we have a Gold War which is just as furtive and far-reaching.

Well, I warned you I was going off on a tangent.  Looks like there was more than one, so sorry to spout off.  It&#039;s 3 a.m. and I need to let this and myself rest.  Power to the People, y&#039;all, and PEACE!</description>
		<content:encoded><![CDATA[<p>I&#8217;m back again to see how this conversation has progressed.  Lordy, TSD can be addictive.  Thanks for the kind comments, Rosa and Damester.  Trent, we may not always see eye to eye, but I have to applaud you for tackling big issues and inspiring healthy debate.</p>
<p>If I may indulge in a tangent, I saw &#8220;Julie &amp; Julia&#8221; today, and it was quite inspiring.  Julie is a would-be writer who counteracts her ADD tendencies by making herself stick to a daily assignment of cooking and blogging about it.  How could I not be reminded of you, Trent, with your love of food and dedication to this forum?  Self-discipline is tough sometimes, but you and she are living proof that it can pay off.  Afterall you both got book deals, and all I&#8217;ve gotten is jealous.</p>
<p>If I look in the mirror, I must admit I&#8217;m not going to feel fulfilled until I publish my writing somewhere besides here and those silly comment boxes at the end of online articles.  I&#8217;m not entirely sure what I want to say, but I have a consuming need to express myself for catharsis and the sheer joy of playing with words.</p>
<p>So I&#8217;m dabbling with a few short stories and poems and wondering if I ought to set up a blog too.  My problem is always dropping projects and never picking them up again.  I either have ADD or it&#8217;s part of the manic phase of my bipolar disorder.  Sometimes I have too many ideas to keep up with, and other times I&#8217;m too depressed to act on anything.  Whatever the deal is, it&#8217;s my problem and nobody else&#8217;s.  I can either try to overcome it or wallow in self-pity the rest of my life.</p>
<p>So I do believe in self-determination and not giving up.  I also know the journey to success is harder for some than others.  As I sit here on my fat @$$ collecting disability checks, I may be the scourge of many of your readers&#8217; imaginations.  If I&#8217;d had kids (or my tubes became untied), I might be one of those villified welfare mothers who supposedly suck up the resources of our great capitalist nation.  I&#8217;ve certainly harangued myself for being a failure and felt ashamed to accept government assistance.<br />
Yet I don&#8217;t blame anyone else for accessing help when they need it.</p>
<p>America has such a bewildering blend of sympathy, apathy and outrage when it comes to the poor.  It&#8217;s exhausting to contemplate and frustrating to navigate.  There&#8217;s a class war going on, but we try to pretend we don&#8217;t have castes, no matter how hard it may be to change one&#8217;s station.  Instead of a Cold War, we have a Gold War which is just as furtive and far-reaching.</p>
<p>Well, I warned you I was going off on a tangent.  Looks like there was more than one, so sorry to spout off.  It&#8217;s 3 a.m. and I need to let this and myself rest.  Power to the People, y&#8217;all, and PEACE!</p>
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		<title>By: David--Your finances 101</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757159</link>
		<dc:creator>David--Your finances 101</dc:creator>
		<pubDate>Wed, 19 Aug 2009 02:42:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757159</guid>
		<description>This point I don&#039;t think can be stressed enough.

It was one of the major reasons why I was able to get out of debt--I stopped playing the vicitm, I stopped blaming everyone else and I did something about it.

Couldn&#039;t have said it better myself.</description>
		<content:encoded><![CDATA[<p>This point I don&#8217;t think can be stressed enough.</p>
<p>It was one of the major reasons why I was able to get out of debt&#8211;I stopped playing the vicitm, I stopped blaming everyone else and I did something about it.</p>
<p>Couldn&#8217;t have said it better myself.</p>
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		<title>By: s</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757104</link>
		<dc:creator>s</dc:creator>
		<pubDate>Wed, 19 Aug 2009 01:29:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757104</guid>
		<description>And I&#039;ll point out that the limits of this attitude are all the more evident in the current economic climate.  When there are only so many jobs out there, even the best may not get what s/he deserves, despite how hard s/he works.

Also, while more men are losing their jobs than women (because they&#039;re paid more and higher ranked, due to institutionalized sexism, and laying them off saves companies more money) women and blacks are more likely to have underwater mortgages.  There was an article in the NYT recently about how mortgage companies specifically targeted blacks (and I think women).  That is not just about poor individual decision-making.  

I suggest you read some sociology.</description>
		<content:encoded><![CDATA[<p>And I&#8217;ll point out that the limits of this attitude are all the more evident in the current economic climate.  When there are only so many jobs out there, even the best may not get what s/he deserves, despite how hard s/he works.</p>
<p>Also, while more men are losing their jobs than women (because they&#8217;re paid more and higher ranked, due to institutionalized sexism, and laying them off saves companies more money) women and blacks are more likely to have underwater mortgages.  There was an article in the NYT recently about how mortgage companies specifically targeted blacks (and I think women).  That is not just about poor individual decision-making.  </p>
<p>I suggest you read some sociology.</p>
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		<title>By: s</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757102</link>
		<dc:creator>s</dc:creator>
		<pubDate>Wed, 19 Aug 2009 01:25:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757102</guid>
		<description>You are correct, though there are broader social factors that play a role in our experiences, like it or not.  Racism and sexism still exist; on average women earn $0.76 for every $1 men make, and Latino/as, blacks, and American Indians earn less than whites make (I can&#039;t remember the exact figures).  These are institutional constraints on getting ahead and doing our best.  We can, of course, try to work our way around, but issues such as these (and heterosexism...its still legal to discriminate due to sexual orientation and gender identity in many states) do create roadblocks that we may or may not even realize.</description>
		<content:encoded><![CDATA[<p>You are correct, though there are broader social factors that play a role in our experiences, like it or not.  Racism and sexism still exist; on average women earn $0.76 for every $1 men make, and Latino/as, blacks, and American Indians earn less than whites make (I can&#8217;t remember the exact figures).  These are institutional constraints on getting ahead and doing our best.  We can, of course, try to work our way around, but issues such as these (and heterosexism&#8230;its still legal to discriminate due to sexual orientation and gender identity in many states) do create roadblocks that we may or may not even realize.</p>
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		<title>By: Ashley</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-757054</link>
		<dc:creator>Ashley</dc:creator>
		<pubDate>Wed, 19 Aug 2009 00:27:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-757054</guid>
		<description>Again, I think this was a very well-intentioned article.  I&#039;m sure it will motivate and inspire some, while leaving others feeling bruised.

The article really doesn&#039;t address those who DO work hard, do the right thing, follow all the rules, and yet just can&#039;t make it.</description>
		<content:encoded><![CDATA[<p>Again, I think this was a very well-intentioned article.  I&#8217;m sure it will motivate and inspire some, while leaving others feeling bruised.</p>
<p>The article really doesn&#8217;t address those who DO work hard, do the right thing, follow all the rules, and yet just can&#8217;t make it.</p>
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		<title>By: Bill K</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756999</link>
		<dc:creator>Bill K</dc:creator>
		<pubDate>Tue, 18 Aug 2009 23:47:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756999</guid>
		<description>@LC (#17):

Yes, goals of marketing/advertising are to separate people and their money.  But the gravity of the situation is only as grave as each of us makes it out to be.

Kevin (#2) points out, it is necessary to find ways to filter out the marketing.  Turning off the idiot box is a great first step.

I find that living by intention is a great way to filter out marketing clutter:  

1.  Stay active, physically &amp;/or mentally:  Think about it, when are you more apt to get spammed by marketing?  TV and other passive activities, when you don&#039;t have to think.  More room in the brain for what shouldn&#039;t be there.

2.  Planning &amp; Goal Setting:  Sometimes you can&#039;t get away from marketing &amp; advertising.  Billboards, LCD&#039;s in elevators, your best friend ranting on and on about his/her latest gizmo.  Goals and solid plans to back them squash any subliminal message those Ph&#039;D&#039;s can whip up.</description>
		<content:encoded><![CDATA[<p>@LC (#17):</p>
<p>Yes, goals of marketing/advertising are to separate people and their money.  But the gravity of the situation is only as grave as each of us makes it out to be.</p>
<p>Kevin (#2) points out, it is necessary to find ways to filter out the marketing.  Turning off the idiot box is a great first step.</p>
<p>I find that living by intention is a great way to filter out marketing clutter:  </p>
<p>1.  Stay active, physically &amp;/or mentally:  Think about it, when are you more apt to get spammed by marketing?  TV and other passive activities, when you don&#8217;t have to think.  More room in the brain for what shouldn&#8217;t be there.</p>
<p>2.  Planning &amp; Goal Setting:  Sometimes you can&#8217;t get away from marketing &amp; advertising.  Billboards, LCD&#8217;s in elevators, your best friend ranting on and on about his/her latest gizmo.  Goals and solid plans to back them squash any subliminal message those Ph&#8217;D's can whip up.</p>
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		<title>By: IRG</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756973</link>
		<dc:creator>IRG</dc:creator>
		<pubDate>Tue, 18 Aug 2009 23:26:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756973</guid>
		<description>A few questions for those who found this post so wonderful. I&#039;d like to hear solutions and see how you offer help, rather than judgment

* What if the mere act of just getting out of bed each day was your greatest success? Cause for many people that&#039;s about all they can do. Literally. 

* what if you worked your whole life, always worked two or more jobs, and found yourself kicked to the curb as many autoworkers and others who saw mismanaged companies sent to bankruptcy...you tried to get retrained but there was no help and you don&#039;t have the money to learn a new skill in your 50s and 60s. 

* What if you&#039;d be happy to take a minimum-wage job but no one will hire you because they don&#039;t believe you&#039;d stick around? (DUH. Like the turnover with teenagers isn&#039;t huge!)

* How do you find work if you can&#039;t even get interviews? (How many of you have provided realistic leads, contacts, etc.? Rather than just useless comments.)

Wake up people. The world is tough, and getting tougher as the &quot;haves&quot; realize they may not have it anymore and are so fearful of this they&#039;ll do anything to make sure nobody else gets &quot;theirs.&quot;

People are not victims, but often one&#039;s circumstances are such that you cannot get out of them. Some holes are deep and actually get deeper.

If any of you actually worked with people who have tough lives and see how hard they work to make them better when the odds are, quite frankly, against them, you might stop putting people down and learn some compassion.

More importantly, instead of judging, you could offer help that allows someone to be responsible. 

Treat people like crap long enough and they believe it. That&#039;s what has happened to a lot of folks.

Success is a relative term. Getting up each day and doing the best you can is all you can do, regardless of the results.

And success also often comes on the back of others. A lot of people take credit for success that rightly belongs to the hard work of others. Some of those are the very people who don&#039;t realize their own dreams. They are too busy making YOURS come true! At their literal expense. (I know people who have worked to make franchises successful for owners. Greedy owners who don&#039;t even pay for any form of healthcare for their workers...lest it interfere with their excessive profit.)</description>
		<content:encoded><![CDATA[<p>A few questions for those who found this post so wonderful. I&#8217;d like to hear solutions and see how you offer help, rather than judgment</p>
<p>* What if the mere act of just getting out of bed each day was your greatest success? Cause for many people that&#8217;s about all they can do. Literally. </p>
<p>* what if you worked your whole life, always worked two or more jobs, and found yourself kicked to the curb as many autoworkers and others who saw mismanaged companies sent to bankruptcy&#8230;you tried to get retrained but there was no help and you don&#8217;t have the money to learn a new skill in your 50s and 60s. </p>
<p>* What if you&#8217;d be happy to take a minimum-wage job but no one will hire you because they don&#8217;t believe you&#8217;d stick around? (DUH. Like the turnover with teenagers isn&#8217;t huge!)</p>
<p>* How do you find work if you can&#8217;t even get interviews? (How many of you have provided realistic leads, contacts, etc.? Rather than just useless comments.)</p>
<p>Wake up people. The world is tough, and getting tougher as the &#8220;haves&#8221; realize they may not have it anymore and are so fearful of this they&#8217;ll do anything to make sure nobody else gets &#8220;theirs.&#8221;</p>
<p>People are not victims, but often one&#8217;s circumstances are such that you cannot get out of them. Some holes are deep and actually get deeper.</p>
<p>If any of you actually worked with people who have tough lives and see how hard they work to make them better when the odds are, quite frankly, against them, you might stop putting people down and learn some compassion.</p>
<p>More importantly, instead of judging, you could offer help that allows someone to be responsible. </p>
<p>Treat people like crap long enough and they believe it. That&#8217;s what has happened to a lot of folks.</p>
<p>Success is a relative term. Getting up each day and doing the best you can is all you can do, regardless of the results.</p>
<p>And success also often comes on the back of others. A lot of people take credit for success that rightly belongs to the hard work of others. Some of those are the very people who don&#8217;t realize their own dreams. They are too busy making YOURS come true! At their literal expense. (I know people who have worked to make franchises successful for owners. Greedy owners who don&#8217;t even pay for any form of healthcare for their workers&#8230;lest it interfere with their excessive profit.)</p>
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		<title>By: D.B.</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756884</link>
		<dc:creator>D.B.</dc:creator>
		<pubDate>Tue, 18 Aug 2009 21:54:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756884</guid>
		<description>Bravo.  Thank you for this excellent post.  I am not a &quot;money victim&quot; but I am a &quot;fat victim&quot; with too many years of excuses for remaining morbidly obese.  I&#039;m turning my life around day by day and reading this blog and others is so helpful to me to remind me that other people struggle with similar issues.</description>
		<content:encoded><![CDATA[<p>Bravo.  Thank you for this excellent post.  I am not a &#8220;money victim&#8221; but I am a &#8220;fat victim&#8221; with too many years of excuses for remaining morbidly obese.  I&#8217;m turning my life around day by day and reading this blog and others is so helpful to me to remind me that other people struggle with similar issues.</p>
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		<title>By: Evangeline</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756869</link>
		<dc:creator>Evangeline</dc:creator>
		<pubDate>Tue, 18 Aug 2009 21:41:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756869</guid>
		<description>People get stuck in their &#039;comfort zones&#039; and it is very difficult to branch out and try something new--even when a financial disaster is looming.  My neighbor used an inheritance to get completely out of debt except for the home.  Within a week, the spouse was laid off and just never could get up the drive to find something other than some cushy freelance work, while waiting for a suitable &#039;position&#039;.  Fast forward 2 years: the debt load is down more than it was in the beginning and what should have been a financial blessing turned out to be a very small band aid to a very big problem.  We simply must own up to our responsibilities by taking the initiative and being big girls and boys about our finances.  The problem tends to lie with the face in the mirror and not everything/everybody else we keep blaming.</description>
		<content:encoded><![CDATA[<p>People get stuck in their &#8216;comfort zones&#8217; and it is very difficult to branch out and try something new&#8211;even when a financial disaster is looming.  My neighbor used an inheritance to get completely out of debt except for the home.  Within a week, the spouse was laid off and just never could get up the drive to find something other than some cushy freelance work, while waiting for a suitable &#8216;position&#8217;.  Fast forward 2 years: the debt load is down more than it was in the beginning and what should have been a financial blessing turned out to be a very small band aid to a very big problem.  We simply must own up to our responsibilities by taking the initiative and being big girls and boys about our finances.  The problem tends to lie with the face in the mirror and not everything/everybody else we keep blaming.</p>
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		<title>By: Sharon</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756816</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Tue, 18 Aug 2009 21:06:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756816</guid>
		<description>And I do. But nobody with any sense is going to hire me for a full time job with benefits. Also, think twice before judging people who are in pain. What would be &quot;the least bit uncomfortable&quot; for you can be excruciating for your aunt. People who were operated on a children without anesthesia, which was the practice until very recently, have been found to have had their pain sensors hyper-activated and they suffer tremendously from things that for the rest of us are nothing particularly bothersome.  

The judgmental attitude of so many, apparently including you, is an additional burden. Your aunt may find that if she is offered physical therapy and decent pain control will find that she can eventually become mobile again. I just wonder if anyone is going to be bothered to pay for that for her.</description>
		<content:encoded><![CDATA[<p>And I do. But nobody with any sense is going to hire me for a full time job with benefits. Also, think twice before judging people who are in pain. What would be &#8220;the least bit uncomfortable&#8221; for you can be excruciating for your aunt. People who were operated on a children without anesthesia, which was the practice until very recently, have been found to have had their pain sensors hyper-activated and they suffer tremendously from things that for the rest of us are nothing particularly bothersome.  </p>
<p>The judgmental attitude of so many, apparently including you, is an additional burden. Your aunt may find that if she is offered physical therapy and decent pain control will find that she can eventually become mobile again. I just wonder if anyone is going to be bothered to pay for that for her.</p>
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		<title>By: Ms. Clear</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756815</link>
		<dc:creator>Ms. Clear</dc:creator>
		<pubDate>Tue, 18 Aug 2009 21:06:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756815</guid>
		<description>This post might well be helpful and inspiring to some, but it&#039;s just downright callous to others who are suffering from events beyond their control. 

It&#039;s also a very American-culture type post. These beliefs are ingrained in our society. IMO, they aren&#039;t very helpful or realistic beliefs.</description>
		<content:encoded><![CDATA[<p>This post might well be helpful and inspiring to some, but it&#8217;s just downright callous to others who are suffering from events beyond their control. </p>
<p>It&#8217;s also a very American-culture type post. These beliefs are ingrained in our society. IMO, they aren&#8217;t very helpful or realistic beliefs.</p>
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		<title>By: john deflumeri jr</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756787</link>
		<dc:creator>john deflumeri jr</dc:creator>
		<pubDate>Tue, 18 Aug 2009 20:43:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756787</guid>
		<description>You sure are right about who&#039;s fault it is!  It is up to the individual, it&#039;s not what we know, it&#039;s what we do!

John DeFlumeri Jr</description>
		<content:encoded><![CDATA[<p>You sure are right about who&#8217;s fault it is!  It is up to the individual, it&#8217;s not what we know, it&#8217;s what we do!</p>
<p>John DeFlumeri Jr</p>
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		<title>By: Joan</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756785</link>
		<dc:creator>Joan</dc:creator>
		<pubDate>Tue, 18 Aug 2009 20:42:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756785</guid>
		<description>@Sharon - I have several chronic health conditions and I understand what you are saying.

Not too many years ago, I realized that, much like Trent mentions in his post, I am not a &quot;victim&quot; of those any more than I am a &quot;victim&quot; financially. 

I might not be able to do much, but I believe I can and should do what I can. I&#039;ll never run a marathon - does that mean I shouldn&#039;t walk when I can or, on a really bad day, just get out of bed and stand up? I have an aunt who isn&#039;t that old who is completely bedridden. Her health problems aren&#039;t the direct reason - she just wouldn&#039;t do anything if it was the least bit uncomfortable, so eventually, her muscles atrophied because she refused to get out of bed when she was feeling achy. Now, she&#039;d give anything just to stand up and can&#039;t.

I feel very bad for her, but like I feel about some of the money situations, I understand - and she understands - that she helped bring herself to this place. And I&#039;ve decided I&#039;m NOT going to do that.

That said, you&#039;re right, a positive attitude will not make you well. But it will make you willing to do what you can, I think.</description>
		<content:encoded><![CDATA[<p>@Sharon &#8211; I have several chronic health conditions and I understand what you are saying.</p>
<p>Not too many years ago, I realized that, much like Trent mentions in his post, I am not a &#8220;victim&#8221; of those any more than I am a &#8220;victim&#8221; financially. </p>
<p>I might not be able to do much, but I believe I can and should do what I can. I&#8217;ll never run a marathon &#8211; does that mean I shouldn&#8217;t walk when I can or, on a really bad day, just get out of bed and stand up? I have an aunt who isn&#8217;t that old who is completely bedridden. Her health problems aren&#8217;t the direct reason &#8211; she just wouldn&#8217;t do anything if it was the least bit uncomfortable, so eventually, her muscles atrophied because she refused to get out of bed when she was feeling achy. Now, she&#8217;d give anything just to stand up and can&#8217;t.</p>
<p>I feel very bad for her, but like I feel about some of the money situations, I understand &#8211; and she understands &#8211; that she helped bring herself to this place. And I&#8217;ve decided I&#8217;m NOT going to do that.</p>
<p>That said, you&#8217;re right, a positive attitude will not make you well. But it will make you willing to do what you can, I think.</p>
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		<title>By: Mighty@Letters To Us</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-2/#comment-756777</link>
		<dc:creator>Mighty@Letters To Us</dc:creator>
		<pubDate>Tue, 18 Aug 2009 20:36:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756777</guid>
		<description>@Lenore, #29: I can&#039;t figure out what to think about the idea that judging others is just another form of victimhood, who say “Poor me, I have to put up with all these losers, and my taxes go toward keeping them alive.”

On the one hand, I am grateful for everything I have, and for being blessed with not only a great deal of smarts and talent, but excellent self discipline. I don&#039;t like to complain about money because I know that I am so much better off than people in poor countries who are living off of food scrounged from garbage dumps. People in countries who work their whole life to own a piece of land and then have it taken from them to host the 2008 Summer Olympics. Ahem.

On the other hand, by the time I buy a bag of flour, it has been taxed over 200 times (taxes on the seeds, the water, the soil, the fertilizers, the land, the labor, etc.). Those taxes go to fund poor to mediocre public schools, war, welfare programs that have actually made the poverty problem worse, endless road construction paid for at over-market prices and done poorly, etc.

Is it not a form of victimization to have almost half of my paycheck go to fund things I do not value, and many of which actually harm me? Is it not a form of victimization to have my spending power so tremendously reduced by a government that wants to &quot;print money&quot; to pay for billion dollar spending plans? If I do not pay taxes I will lose everything, but if I do pay taxes I work twice as many hours as I have to, and realize far less financial growth than I would if the government would stick to the basics, and let the people stick to surviving.

I think that we need to remember that human beings are incredibly tenacious and clever. We have survived for many thousands of years without a government to let us know who&#039;s a victim and which victims get handouts.</description>
		<content:encoded><![CDATA[<p>@Lenore, #29: I can&#8217;t figure out what to think about the idea that judging others is just another form of victimhood, who say “Poor me, I have to put up with all these losers, and my taxes go toward keeping them alive.”</p>
<p>On the one hand, I am grateful for everything I have, and for being blessed with not only a great deal of smarts and talent, but excellent self discipline. I don&#8217;t like to complain about money because I know that I am so much better off than people in poor countries who are living off of food scrounged from garbage dumps. People in countries who work their whole life to own a piece of land and then have it taken from them to host the 2008 Summer Olympics. Ahem.</p>
<p>On the other hand, by the time I buy a bag of flour, it has been taxed over 200 times (taxes on the seeds, the water, the soil, the fertilizers, the land, the labor, etc.). Those taxes go to fund poor to mediocre public schools, war, welfare programs that have actually made the poverty problem worse, endless road construction paid for at over-market prices and done poorly, etc.</p>
<p>Is it not a form of victimization to have almost half of my paycheck go to fund things I do not value, and many of which actually harm me? Is it not a form of victimization to have my spending power so tremendously reduced by a government that wants to &#8220;print money&#8221; to pay for billion dollar spending plans? If I do not pay taxes I will lose everything, but if I do pay taxes I work twice as many hours as I have to, and realize far less financial growth than I would if the government would stick to the basics, and let the people stick to surviving.</p>
<p>I think that we need to remember that human beings are incredibly tenacious and clever. We have survived for many thousands of years without a government to let us know who&#8217;s a victim and which victims get handouts.</p>
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		<title>By: Sharon</title>
		<link>http://www.thesimpledollar.com/2009/08/17/are-you-a-money-victim/comment-page-1/#comment-756763</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Tue, 18 Aug 2009 20:23:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4123#comment-756763</guid>
		<description>You forget to factor in health issues. Some of us need 10-12 hours of sleep due to the autoimmune disease we have, and our energy is severely limited. Our money is severely stretched by $20,000+ per year of out-of-pocket medical expenses.  Our medical insurance and care systems are simply not designed to ensure that people with chronic illnesses get the optimal care we need to function at our best, so that we CAN be productive, contributing members of society. 

The attitude that so many people have that with proper diet and exercise we&#039;ll be perfectly healthy, therefore it is our own darned faults we are sick is also NOT helpful. That magical thinking is going to blow up in your faces someday, too. And then you are going to end up hating yourself because you are now a lazy parasite just like all the other ill people.  

And all the positive attitude in the world won&#039;t change that reality, either of the hatred we suffer or the reality of our limited energy.</description>
		<content:encoded><![CDATA[<p>You forget to factor in health issues. Some of us need 10-12 hours of sleep due to the autoimmune disease we have, and our energy is severely limited. Our money is severely stretched by $20,000+ per year of out-of-pocket medical expenses.  Our medical insurance and care systems are simply not designed to ensure that people with chronic illnesses get the optimal care we need to function at our best, so that we CAN be productive, contributing members of society. </p>
<p>The attitude that so many people have that with proper diet and exercise we&#8217;ll be perfectly healthy, therefore it is our own darned faults we are sick is also NOT helpful. That magical thinking is going to blow up in your faces someday, too. And then you are going to end up hating yourself because you are now a lazy parasite just like all the other ill people.  </p>
<p>And all the positive attitude in the world won&#8217;t change that reality, either of the hatred we suffer or the reality of our limited energy.</p>
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