<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: Reader Mailbag #85</title>
	<atom:link href="http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
	<lastBuildDate>Thu, 18 Mar 2010 00:59:28 -0700</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.4</generator>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
		<item>
		<title>By: Patsy</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-797822</link>
		<dc:creator>Patsy</dc:creator>
		<pubDate>Mon, 26 Oct 2009 18:13:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-797822</guid>
		<description>I am in debt, a lot of debt. I make all my payments on time but I&#039;m never able to make more than the minimum. I&#039;ve joined several groups on how to pay of credit card debt but I&#039;m not successful at it since I can&#039;t pay more than the minimum and then apply that payment towards another debt to get out of debt faster. I&#039;ve been told that I have too much credit and that makes it difficult for me to get out of this situation. Is there a legimate company out there that will do debt consolidation loans? I&#039;ve never been late on a payment and I have good credit just way too much. I feel like I am drowing in debt and when/if an emergency comes up I&#039;m afraid I won&#039;t have the means to cover it. I need to know where I can turn, I don&#039;t want a hand out. I&#039;m not looking for free money I just want a legitmate debt consolidation loan.</description>
		<content:encoded><![CDATA[<p>I am in debt, a lot of debt. I make all my payments on time but I&#8217;m never able to make more than the minimum. I&#8217;ve joined several groups on how to pay of credit card debt but I&#8217;m not successful at it since I can&#8217;t pay more than the minimum and then apply that payment towards another debt to get out of debt faster. I&#8217;ve been told that I have too much credit and that makes it difficult for me to get out of this situation. Is there a legimate company out there that will do debt consolidation loans? I&#8217;ve never been late on a payment and I have good credit just way too much. I feel like I am drowing in debt and when/if an emergency comes up I&#8217;m afraid I won&#8217;t have the means to cover it. I need to know where I can turn, I don&#8217;t want a hand out. I&#8217;m not looking for free money I just want a legitmate debt consolidation loan.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Marcia</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-797117</link>
		<dc:creator>Marcia</dc:creator>
		<pubDate>Sun, 25 Oct 2009 15:28:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-797117</guid>
		<description>Wow, the whole talk/statistics about the wealth of families and the number of children they have is interesting.

I think it&#039;s far too easy to make generalizations.  Statistics are great for that, but they don&#039;t necessarily tell you what&#039;s really going on.

Sure, a lot of poor kids come from home with drug abuse or alcoholism.

A lot of families are poor because they have too many kids they cannot afford.

A lot of large families are religious, and are poor because they think &quot;God will take care of me&quot;.

A lot of educated women have fewer children for many reasons (me being one of them).  Concern for paying for college, concern for the environment, concern for my career, concern for my age.

I&#039;m not sure why suddenly the whole white/black/brown thing came into play.  I live in Cali, and in my town your financial success (which I don&#039;t believe is the only measure of success) depends a bit more on your ability to speak English and less on the color of your skin.  I&#039;ve got lots of Latino friends whose families have been here for generations, and they don&#039;t even speak Spanish.  The color of their skin is meaningless.

And many of my educated friends are having three children these days.</description>
		<content:encoded><![CDATA[<p>Wow, the whole talk/statistics about the wealth of families and the number of children they have is interesting.</p>
<p>I think it&#8217;s far too easy to make generalizations.  Statistics are great for that, but they don&#8217;t necessarily tell you what&#8217;s really going on.</p>
<p>Sure, a lot of poor kids come from home with drug abuse or alcoholism.</p>
<p>A lot of families are poor because they have too many kids they cannot afford.</p>
<p>A lot of large families are religious, and are poor because they think &#8220;God will take care of me&#8221;.</p>
<p>A lot of educated women have fewer children for many reasons (me being one of them).  Concern for paying for college, concern for the environment, concern for my career, concern for my age.</p>
<p>I&#8217;m not sure why suddenly the whole white/black/brown thing came into play.  I live in Cali, and in my town your financial success (which I don&#8217;t believe is the only measure of success) depends a bit more on your ability to speak English and less on the color of your skin.  I&#8217;ve got lots of Latino friends whose families have been here for generations, and they don&#8217;t even speak Spanish.  The color of their skin is meaningless.</p>
<p>And many of my educated friends are having three children these days.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Jo</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-796678</link>
		<dc:creator>Jo</dc:creator>
		<pubDate>Sat, 24 Oct 2009 19:12:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-796678</guid>
		<description>I have about $5k in self employed income for 2009.  Through income earned from my regular job I have already maxed out my Roth IRA and will max out my 401k by the end of the year.  Am I eligible to contribute a portion of my self-employed income to a SEP IRA?  
Thanks!</description>
		<content:encoded><![CDATA[<p>I have about $5k in self employed income for 2009.  Through income earned from my regular job I have already maxed out my Roth IRA and will max out my 401k by the end of the year.  Am I eligible to contribute a portion of my self-employed income to a SEP IRA?<br />
Thanks!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: jc</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-795430</link>
		<dc:creator>jc</dc:creator>
		<pubDate>Fri, 23 Oct 2009 04:19:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-795430</guid>
		<description>@B I think you&#039;re onto something.  Indeed, my earlier comment in this thread hasn&#039;t been approved yet.  I don&#039;t think it&#039;s even a particularly aggressive disagreement, but I realize that tone carries poorly over the Internet.</description>
		<content:encoded><![CDATA[<p>@B I think you&#8217;re onto something.  Indeed, my earlier comment in this thread hasn&#8217;t been approved yet.  I don&#8217;t think it&#8217;s even a particularly aggressive disagreement, but I realize that tone carries poorly over the Internet.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-794782</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Thu, 22 Oct 2009 07:57:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-794782</guid>
		<description>A possible question for a future mailbag...

One of the problems I&#039;m facing these days in trying to restart my own career is reading overload. This is made worse because my reading speed has decreased over the years, due to a couple of medical issues.

What&#039;s your approximate reading speed? How long (in hours) would it take you to finish reading a three hundred page novel? A New York Times editorial?

And if you ever feel overwhelmed by the reading load, how do you triage for selecting which things to read?

Thanks!</description>
		<content:encoded><![CDATA[<p>A possible question for a future mailbag&#8230;</p>
<p>One of the problems I&#8217;m facing these days in trying to restart my own career is reading overload. This is made worse because my reading speed has decreased over the years, due to a couple of medical issues.</p>
<p>What&#8217;s your approximate reading speed? How long (in hours) would it take you to finish reading a three hundred page novel? A New York Times editorial?</p>
<p>And if you ever feel overwhelmed by the reading load, how do you triage for selecting which things to read?</p>
<p>Thanks!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kati</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-794456</link>
		<dc:creator>Kati</dc:creator>
		<pubDate>Wed, 21 Oct 2009 16:39:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-794456</guid>
		<description>I&#039;ve got a question for you. A few days ago, my mom mentioned to me that they were only making a partial payment on their mortgage this month. Not only that, but she was splitting that partial payment between two credit cards ... and probably wasn&#039;t going to be able to make the other half of her payment. She sighs and blames it on the nebulous &quot;economy,&quot; but this has been a long time coming -- they&#039;ve always spent more than they earned, and have tried to brush any problems under the rug. My sister and I have tried to talk to them about it and have offered to help, but my mom gets defensive and says things like, &quot;I don&#039;t even know how much we owe and I certainly don&#039;t want you to know.&quot; Anyway, my question is, what can my sister and I do? Clearly they&#039;re getting to the point where their house is at risk, and while we&#039;re reasonably stable in our own finances, neither one of us has enough to finance my parents. What can we do? How can we help them? How can we get them to wake up and take responsibility?</description>
		<content:encoded><![CDATA[<p>I&#8217;ve got a question for you. A few days ago, my mom mentioned to me that they were only making a partial payment on their mortgage this month. Not only that, but she was splitting that partial payment between two credit cards &#8230; and probably wasn&#8217;t going to be able to make the other half of her payment. She sighs and blames it on the nebulous &#8220;economy,&#8221; but this has been a long time coming &#8212; they&#8217;ve always spent more than they earned, and have tried to brush any problems under the rug. My sister and I have tried to talk to them about it and have offered to help, but my mom gets defensive and says things like, &#8220;I don&#8217;t even know how much we owe and I certainly don&#8217;t want you to know.&#8221; Anyway, my question is, what can my sister and I do? Clearly they&#8217;re getting to the point where their house is at risk, and while we&#8217;re reasonably stable in our own finances, neither one of us has enough to finance my parents. What can we do? How can we help them? How can we get them to wake up and take responsibility?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: SP</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-794165</link>
		<dc:creator>SP</dc:creator>
		<pubDate>Wed, 21 Oct 2009 04:40:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-794165</guid>
		<description>@Danielle - I noticed (and commented!) about the &quot;20 comments&quot; thing too.  And while I don&#039;t currently write software, I have before! :)

@anyone - If you put a link in a comment, I wouldn&#039;t expect it to get approved in a reasonable amount of time to contribute to the discussion, even if you have commented many times in the past in a constructive way.  Even if your link is constructive.  

I can understand the desire to not be constantly approve comments, but as a &quot;full-time&quot; blogger, don&#039;t you think 2-3 times a day of quick moderation is possible?</description>
		<content:encoded><![CDATA[<p>@Danielle &#8211; I noticed (and commented!) about the &#8220;20 comments&#8221; thing too.  And while I don&#8217;t currently write software, I have before! :)</p>
<p>@anyone &#8211; If you put a link in a comment, I wouldn&#8217;t expect it to get approved in a reasonable amount of time to contribute to the discussion, even if you have commented many times in the past in a constructive way.  Even if your link is constructive.  </p>
<p>I can understand the desire to not be constantly approve comments, but as a &#8220;full-time&#8221; blogger, don&#8217;t you think 2-3 times a day of quick moderation is possible?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Shevy</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-794160</link>
		<dc:creator>Shevy</dc:creator>
		<pubDate>Wed, 21 Oct 2009 04:30:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-794160</guid>
		<description>@Kris
Ah, so you&#039;re not naive or ignorant then.  You&#039;re just aggressive.  Thanks for clearing that up.</description>
		<content:encoded><![CDATA[<p>@Kris<br />
Ah, so you&#8217;re not naive or ignorant then.  You&#8217;re just aggressive.  Thanks for clearing that up.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Amy</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-2/#comment-793831</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Tue, 20 Oct 2009 19:07:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793831</guid>
		<description>@B: I believe any comment with a link in it is automatically moderated, which definitely slows it down in the approval process.  If your test-aggressive comments are &#039;backed up&#039; by links, as requested in the commenting guidelines, you&#039;re giving that much more scrutiny to Trent, who may choose not to approve them more often compared to test-aggressive comments that don&#039;t have links.  Perhaps you are biasing your own experiment?  I don&#039;t know your hypotheses, but it sounds like an interesting mailbag question around what constitutes &#039;flaming&#039;...</description>
		<content:encoded><![CDATA[<p>@B: I believe any comment with a link in it is automatically moderated, which definitely slows it down in the approval process.  If your test-aggressive comments are &#8216;backed up&#8217; by links, as requested in the commenting guidelines, you&#8217;re giving that much more scrutiny to Trent, who may choose not to approve them more often compared to test-aggressive comments that don&#8217;t have links.  Perhaps you are biasing your own experiment?  I don&#8217;t know your hypotheses, but it sounds like an interesting mailbag question around what constitutes &#8216;flaming&#8217;&#8230;</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Michael Lach</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793803</link>
		<dc:creator>Michael Lach</dc:creator>
		<pubDate>Tue, 20 Oct 2009 17:57:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793803</guid>
		<description>http://www.RemoveMyCreditInquiries.org is a site I found that is ran by a non-profit that can remove credit report inquiries for $15.  They also appear to remove late comments as well.</description>
		<content:encoded><![CDATA[<p><a href="http://www.RemoveMyCreditInquiries.org" rel="nofollow">http://www.RemoveMyCreditInquiries.org</a> is a site I found that is ran by a non-profit that can remove credit report inquiries for $15.  They also appear to remove late comments as well.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Jenny</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793742</link>
		<dc:creator>Jenny</dc:creator>
		<pubDate>Tue, 20 Oct 2009 15:18:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793742</guid>
		<description>I have a question for a future mailbag:

I know you keep notes on lots of different areas of your life, but I&#039;m interested in a particular area: Work-related ideas. I take so many notes at work (in meetings, requests from my boss, things to follow up on, etc.) and sometimes, I have ideas for things to pursue that I can&#039;t necessarily work on right now, but want to keep in mind for the future. 

Do you keep notes on &quot;big ideas&quot; for your blog, and if so, how do you keep those ideas from getting lost in the day-to-day shuffle? Do you have any suggestions on how to budget &quot;big idea cultivation&quot; into work time?</description>
		<content:encoded><![CDATA[<p>I have a question for a future mailbag:</p>
<p>I know you keep notes on lots of different areas of your life, but I&#8217;m interested in a particular area: Work-related ideas. I take so many notes at work (in meetings, requests from my boss, things to follow up on, etc.) and sometimes, I have ideas for things to pursue that I can&#8217;t necessarily work on right now, but want to keep in mind for the future. </p>
<p>Do you keep notes on &#8220;big ideas&#8221; for your blog, and if so, how do you keep those ideas from getting lost in the day-to-day shuffle? Do you have any suggestions on how to budget &#8220;big idea cultivation&#8221; into work time?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: imelda</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793711</link>
		<dc:creator>imelda</dc:creator>
		<pubDate>Tue, 20 Oct 2009 14:25:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793711</guid>
		<description>As a follow-up to my earlier comment, Trent, I&#039;d just like to point out how *insane* the people who are agreeing with you sound. I&#039;m perfectly serious--see comments 28 and 29. 

This conversation has become so deeply offensive it&#039;s almost laughable. These people are actually talking about having the government determine who gets to have children and who doesn&#039;t. 

Do you people understand why this is a basic human right? Why disabled people went to court for the right to have children? Poor people, people with disabilities, even people struggling with addictions--they all have just as much to teach their children as you do. You can&#039;t shape society according to your own image. Get over it.

Trent, you&#039;ve got to speak up. Or delete the above comments. Or something. This isn&#039;t just another simple debate. We&#039;re on the road to arguing that forced sterilization (i.e. that favorite tool of genocide) is OK. Are you reading me here? Is this registering?</description>
		<content:encoded><![CDATA[<p>As a follow-up to my earlier comment, Trent, I&#8217;d just like to point out how *insane* the people who are agreeing with you sound. I&#8217;m perfectly serious&#8211;see comments 28 and 29. </p>
<p>This conversation has become so deeply offensive it&#8217;s almost laughable. These people are actually talking about having the government determine who gets to have children and who doesn&#8217;t. </p>
<p>Do you people understand why this is a basic human right? Why disabled people went to court for the right to have children? Poor people, people with disabilities, even people struggling with addictions&#8211;they all have just as much to teach their children as you do. You can&#8217;t shape society according to your own image. Get over it.</p>
<p>Trent, you&#8217;ve got to speak up. Or delete the above comments. Or something. This isn&#8217;t just another simple debate. We&#8217;re on the road to arguing that forced sterilization (i.e. that favorite tool of genocide) is OK. Are you reading me here? Is this registering?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kris</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793699</link>
		<dc:creator>Kris</dc:creator>
		<pubDate>Tue, 20 Oct 2009 14:10:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793699</guid>
		<description>@B:

Interesting experiment,  but I wouldn&#039;t be surprised if you found the same results on any blog that is monitored by the blogger.  I think its human nature to not like having people disagree with you, especially if they can back it up.</description>
		<content:encoded><![CDATA[<p>@B:</p>
<p>Interesting experiment,  but I wouldn&#8217;t be surprised if you found the same results on any blog that is monitored by the blogger.  I think its human nature to not like having people disagree with you, especially if they can back it up.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kris</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793697</link>
		<dc:creator>Kris</dc:creator>
		<pubDate>Tue, 20 Oct 2009 14:03:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793697</guid>
		<description>@ Shevy:

I have been on the internet since 1990 and am quite familiar with the terms &quot;flaming&quot; and &quot;trolls&quot; so please save your sunday school lesson.  

Just because someone describes something as flaming doesn&#039;t mean that it is. The problem with the term flaming is that its a matter of opinion unless a person is using profanity and specifically saying things like &quot;you&#039;re an #$#@#&quot;.  Even your little example could be seen as aggressively disagreeing rather than flaming.  I was just expressing my opinion that writing how you tell your wife that your readers are either dumber than you and don&#039;t get it or they are trolls is very pretentious.</description>
		<content:encoded><![CDATA[<p>@ Shevy:</p>
<p>I have been on the internet since 1990 and am quite familiar with the terms &#8220;flaming&#8221; and &#8220;trolls&#8221; so please save your sunday school lesson.  </p>
<p>Just because someone describes something as flaming doesn&#8217;t mean that it is. The problem with the term flaming is that its a matter of opinion unless a person is using profanity and specifically saying things like &#8220;you&#8217;re an #$#@#&#8221;.  Even your little example could be seen as aggressively disagreeing rather than flaming.  I was just expressing my opinion that writing how you tell your wife that your readers are either dumber than you and don&#8217;t get it or they are trolls is very pretentious.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Amy</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793692</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Tue, 20 Oct 2009 13:51:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793692</guid>
		<description>Just a quick word in support of Crate&amp;Barrel: Trent, I think you can feel good about having their ads on your site. Yes, they carry items that you may be able get for less elsewhere, but they have fantastic customer service and a very generous return policy. I worked at one of their stores for my first year out of art school and witnessed their commitment to quality and service first hand. They are a company that I respect.</description>
		<content:encoded><![CDATA[<p>Just a quick word in support of Crate&amp;Barrel: Trent, I think you can feel good about having their ads on your site. Yes, they carry items that you may be able get for less elsewhere, but they have fantastic customer service and a very generous return policy. I worked at one of their stores for my first year out of art school and witnessed their commitment to quality and service first hand. They are a company that I respect.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: A</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793678</link>
		<dc:creator>A</dc:creator>
		<pubDate>Tue, 20 Oct 2009 13:14:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793678</guid>
		<description>I am a bit concerned with the argument for the &quot;Idiocracy Theory&quot;. I have not seen the movie, and pretty much all the information I have gotten about it has come from the Simple Dollar. It sounds like it has some basis in eugenics, to be honest. Trent says &quot;So, let’s do the math on this. Let’s say you have five couples, one in each quintile. The couple in the lowest quintile produces 2.0 children, while the couple in the highest quintile produces 1.8 children. Thus, the number of people that would define the lowest quintile today will grow in the next generation, while the highest quintile will shrink. Some of the people with the traits of the lowest quintile will now find themselves in the next highest quintile simply because of sheer numbers. Thus, all higher quintiles – in other words, all of society – see a slight reduction in traits that gear towards success.&quot; When I read this sentence, I am reading that the belief being put forth is that the people in the lowest quintile will only rise up due to &#039;sheer numbers&#039; and not by hard work and ambition, and the word &#039;traits&#039; is used in that sentence, which is a word typically used in conjuction with genetics that are inherited (that is the eugenics part).I know plenty of people who are smart and ambitious who have children who are not, for a multitude of reasons. Drug use, lack of ambition (even when the parents have enough to spare) are just a couple of things that I have seen. As a matter of a fact, suburban drug use by teenagers is just as real a problem as drug use in the inner cities. I really just don&#039;t think that this &#039;theory&#039; gives any credit or credence to human ambition and drive. Think about all the people in our country&#039;s past who rose up to become great leaders, even in the face of ignorant, low-earning parents. I think that great caution needs to be used when putting forth ideas that people reading them might take them to mean that certain social traits such as ambition and drive are inherited from their parents. Again, that is eugenics and eugenics has a very ugly past in our country. American citizens were involuntarily sterilized up until the 1970&#039;s in this country because they were either low-income, a minority, they had a mental or physical disability or some combination of the above. There was actually a point in American history where it was believed that social standing was inherited and if you were born in a certain social strata you could not move from that because it was genetic. Anyone can go to their local university library and find plenty of details on what happened, if they are so inclined. Environment and genetics work together and you never know what might turn someone to one path or another. Instead of encouraging &#039;high quintile&#039; people to have more children, why don&#039;t we encourage those folks to mentor children in the &#039;low quintile&#039; or to teach school or to volunteer in their community to make a difference for those children who are not destined for great things (at least according to what I have seen of the &#039;Idiocracy Theory&#039;) and see if we as a society can shape their destiny and help them develop and embrace their own ambition and drive.</description>
		<content:encoded><![CDATA[<p>I am a bit concerned with the argument for the &#8220;Idiocracy Theory&#8221;. I have not seen the movie, and pretty much all the information I have gotten about it has come from the Simple Dollar. It sounds like it has some basis in eugenics, to be honest. Trent says &#8220;So, let’s do the math on this. Let’s say you have five couples, one in each quintile. The couple in the lowest quintile produces 2.0 children, while the couple in the highest quintile produces 1.8 children. Thus, the number of people that would define the lowest quintile today will grow in the next generation, while the highest quintile will shrink. Some of the people with the traits of the lowest quintile will now find themselves in the next highest quintile simply because of sheer numbers. Thus, all higher quintiles – in other words, all of society – see a slight reduction in traits that gear towards success.&#8221; When I read this sentence, I am reading that the belief being put forth is that the people in the lowest quintile will only rise up due to &#8217;sheer numbers&#8217; and not by hard work and ambition, and the word &#8216;traits&#8217; is used in that sentence, which is a word typically used in conjuction with genetics that are inherited (that is the eugenics part).I know plenty of people who are smart and ambitious who have children who are not, for a multitude of reasons. Drug use, lack of ambition (even when the parents have enough to spare) are just a couple of things that I have seen. As a matter of a fact, suburban drug use by teenagers is just as real a problem as drug use in the inner cities. I really just don&#8217;t think that this &#8216;theory&#8217; gives any credit or credence to human ambition and drive. Think about all the people in our country&#8217;s past who rose up to become great leaders, even in the face of ignorant, low-earning parents. I think that great caution needs to be used when putting forth ideas that people reading them might take them to mean that certain social traits such as ambition and drive are inherited from their parents. Again, that is eugenics and eugenics has a very ugly past in our country. American citizens were involuntarily sterilized up until the 1970&#8217;s in this country because they were either low-income, a minority, they had a mental or physical disability or some combination of the above. There was actually a point in American history where it was believed that social standing was inherited and if you were born in a certain social strata you could not move from that because it was genetic. Anyone can go to their local university library and find plenty of details on what happened, if they are so inclined. Environment and genetics work together and you never know what might turn someone to one path or another. Instead of encouraging &#8216;high quintile&#8217; people to have more children, why don&#8217;t we encourage those folks to mentor children in the &#8216;low quintile&#8217; or to teach school or to volunteer in their community to make a difference for those children who are not destined for great things (at least according to what I have seen of the &#8216;Idiocracy Theory&#8217;) and see if we as a society can shape their destiny and help them develop and embrace their own ambition and drive.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: littlepitcher</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793674</link>
		<dc:creator>littlepitcher</dc:creator>
		<pubDate>Tue, 20 Oct 2009 12:59:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793674</guid>
		<description>Poorer children also have a greater statistical tendency to be children of drug and alcohol-addicted parents.  This means that they are more likely to be genetically damaged, neglected, and further damaged by poor diet and poor life choices poorly understood.  They breed earlier and more often than their better-educated counterparts, and pass along the damage.

The only way--and yes, I believe it&#039;s the sole factor which will make the difference--is deregulation of contraceptive sales.   Britain is already doing this.  The right wing has run Planned Parenthood out of many medium-sized cities for abortions, and no one has stepped in to take over their services in providing before-the-act contraception support for the underclass.  Implants, not pills, are by far the better choice for a class which has little or no experience with impulse control and should be available at free clinics and on a sliding scale for the working poor.</description>
		<content:encoded><![CDATA[<p>Poorer children also have a greater statistical tendency to be children of drug and alcohol-addicted parents.  This means that they are more likely to be genetically damaged, neglected, and further damaged by poor diet and poor life choices poorly understood.  They breed earlier and more often than their better-educated counterparts, and pass along the damage.</p>
<p>The only way&#8211;and yes, I believe it&#8217;s the sole factor which will make the difference&#8211;is deregulation of contraceptive sales.   Britain is already doing this.  The right wing has run Planned Parenthood out of many medium-sized cities for abortions, and no one has stepped in to take over their services in providing before-the-act contraception support for the underclass.  Implants, not pills, are by far the better choice for a class which has little or no experience with impulse control and should be available at free clinics and on a sliding scale for the working poor.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Marcus</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793633</link>
		<dc:creator>Marcus</dc:creator>
		<pubDate>Tue, 20 Oct 2009 11:47:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793633</guid>
		<description>With regards to eugenics, your argument only makes sense if what we&#039;re passing on are purely biological traits -- we&#039;re not cats.

1. The mortality rate associated with lower socioeconomic levels more than covers that 10% disparity in birth rates.

2.  There is a tendency for populations to gravitate towards the mean.  Some &#039;poor&#039; people are going to do better regardless of their parentage.

3.  The parents aren&#039;t solely responsible for the education of the offspring, society covers a large part of that and societal values are what the children learn.  

It&#039;s a crappy argument, and as someone pointed out, it&#039;s eugenics.  In trying to give a pat answer to an email, you ended up with egg on your face. Stick to money, leave behavior and breeding to the &#039;ologists.</description>
		<content:encoded><![CDATA[<p>With regards to eugenics, your argument only makes sense if what we&#8217;re passing on are purely biological traits &#8212; we&#8217;re not cats.</p>
<p>1. The mortality rate associated with lower socioeconomic levels more than covers that 10% disparity in birth rates.</p>
<p>2.  There is a tendency for populations to gravitate towards the mean.  Some &#8216;poor&#8217; people are going to do better regardless of their parentage.</p>
<p>3.  The parents aren&#8217;t solely responsible for the education of the offspring, society covers a large part of that and societal values are what the children learn.  </p>
<p>It&#8217;s a crappy argument, and as someone pointed out, it&#8217;s eugenics.  In trying to give a pat answer to an email, you ended up with egg on your face. Stick to money, leave behavior and breeding to the &#8216;ologists.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Steph</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793625</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Tue, 20 Oct 2009 11:23:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793625</guid>
		<description>Crate and Barrel isn&#039;t a store I frequent, but they have the nicest glass mixing bowl set.  I got it as an unexpected wedding gift and couldn&#039;t believe how often I used the bowls.  I looked online and I think the set of (10?) bowls was just $25.  I now buy that as a nice wedding gift for people and throw in some salsa or quac mix or something of that nature, with a bag of chips.  It takes a $25 gift and makes it rather high quality.</description>
		<content:encoded><![CDATA[<p>Crate and Barrel isn&#8217;t a store I frequent, but they have the nicest glass mixing bowl set.  I got it as an unexpected wedding gift and couldn&#8217;t believe how often I used the bowls.  I looked online and I think the set of (10?) bowls was just $25.  I now buy that as a nice wedding gift for people and throw in some salsa or quac mix or something of that nature, with a bag of chips.  It takes a $25 gift and makes it rather high quality.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: deRuiter</title>
		<link>http://www.thesimpledollar.com/2009/10/19/reader-mailbag-85/comment-page-1/#comment-793602</link>
		<dc:creator>deRuiter</dc:creator>
		<pubDate>Tue, 20 Oct 2009 10:29:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4447#comment-793602</guid>
		<description>The post leaves out the fact that our government subsidizes the production of poverty class children.  In effect our tax dollars are used, like an agricultural subsidy,  to encourage the production of children with a tendency to fail in life.  Parents from a higher socio economic class tend to produce fewer chidlren so they can take better care of them and assure their children&#039;s  success.  This isn&#039;t a color issue, more white women in the professional poverty class get subsidies than black women.  If America offered a monthly stipend NOT to have children, or only paid for children who go to school and succeed in school, there would be a change in the demographics.  Welfare children have a monthly value which is paid by the state to the parent / guardian.  The more children, the more money given to the person who controls the children.  It&#039;s counter productive to a well functioning society, but due to the PC nature of our America today, and the odd hero worship of &quot;The Poor&quot; that&#039;s how it is.</description>
		<content:encoded><![CDATA[<p>The post leaves out the fact that our government subsidizes the production of poverty class children.  In effect our tax dollars are used, like an agricultural subsidy,  to encourage the production of children with a tendency to fail in life.  Parents from a higher socio economic class tend to produce fewer chidlren so they can take better care of them and assure their children&#8217;s  success.  This isn&#8217;t a color issue, more white women in the professional poverty class get subsidies than black women.  If America offered a monthly stipend NOT to have children, or only paid for children who go to school and succeed in school, there would be a change in the demographics.  Welfare children have a monthly value which is paid by the state to the parent / guardian.  The more children, the more money given to the person who controls the children.  It&#8217;s counter productive to a well functioning society, but due to the PC nature of our America today, and the odd hero worship of &#8220;The Poor&#8221; that&#8217;s how it is.</p>
]]></content:encoded>
	</item>
</channel>
</rss>

<!-- Dynamic Page Served (once) in 0.702 seconds -->
