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	<title>Comments on: Reader Mailbag: Quicken</title>
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	<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: anne</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908660</link>
		<dc:creator>anne</dc:creator>
		<pubDate>Sun, 25 Apr 2010 13:15:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908660</guid>
		<description><![CDATA[for em-

i agree w/ everyone about not loaning the $5200 to your in laws.  

maybe they could get help w/ down payment assistance somewhere else??  have they gone to hud dot gov to look??

if the government assistance they&#039;re now getting is in the form of housing, there is a program to help people in public housing buy their own home, for example.

there is also the &quot;good neighbor&quot; program, which helps you buy a hud house for 1/2 price if you are a firefighter, teacher, etc.

there are other programs, too.

xoxo]]></description>
		<content:encoded><![CDATA[<p>for em-</p>
<p>i agree w/ everyone about not loaning the $5200 to your in laws.  </p>
<p>maybe they could get help w/ down payment assistance somewhere else??  have they gone to hud dot gov to look??</p>
<p>if the government assistance they&#8217;re now getting is in the form of housing, there is a program to help people in public housing buy their own home, for example.</p>
<p>there is also the &#8220;good neighbor&#8221; program, which helps you buy a hud house for 1/2 price if you are a firefighter, teacher, etc.</p>
<p>there are other programs, too.</p>
<p>xoxo</p>
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		<title>By: alilz</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908483</link>
		<dc:creator>alilz</dc:creator>
		<pubDate>Sat, 24 Apr 2010 03:28:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908483</guid>
		<description><![CDATA[@ Andy -- maybe one reason you&#039;re not happy is you decided to cut out all entertainment from your life.

I know Trent doesn&#039;t advocate that, he does things regularly for entertainment.

Doing things that you enjoy and that make you happy are important. Instead of an all or nothing approach perhaps you should try a more moderated approach.

Instead of cutting out all entertainment, figure out what it is that gives you the most pleasure and focus on that.

Instead of NO DESSERTS! try dessert only once a week and make it a really nice dessert that you enjoy. I&#039;ve found I&#039;d much rather spend a little bit more on something really nice than have a bunch of not so great things.

So instead of buying something quick or cheap the grocery go to a bakery or a nice restaurant and order a great dessert and indulge.]]></description>
		<content:encoded><![CDATA[<p>@ Andy &#8212; maybe one reason you&#8217;re not happy is you decided to cut out all entertainment from your life.</p>
<p>I know Trent doesn&#8217;t advocate that, he does things regularly for entertainment.</p>
<p>Doing things that you enjoy and that make you happy are important. Instead of an all or nothing approach perhaps you should try a more moderated approach.</p>
<p>Instead of cutting out all entertainment, figure out what it is that gives you the most pleasure and focus on that.</p>
<p>Instead of NO DESSERTS! try dessert only once a week and make it a really nice dessert that you enjoy. I&#8217;ve found I&#8217;d much rather spend a little bit more on something really nice than have a bunch of not so great things.</p>
<p>So instead of buying something quick or cheap the grocery go to a bakery or a nice restaurant and order a great dessert and indulge.</p>
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		<title>By: marta</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908466</link>
		<dc:creator>marta</dc:creator>
		<pubDate>Sat, 24 Apr 2010 00:38:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908466</guid>
		<description><![CDATA[@Johanna (#58): Dunno, must be some sort of master plan to outbreed the poor/stupid/non-white people. Today, this PF blog&#039;s readers... tomorrow, the world!

Seriously though, no idea. Maybe it&#039;s a way to justify or validate his own reproductive choices?]]></description>
		<content:encoded><![CDATA[<p>@Johanna (#58): Dunno, must be some sort of master plan to outbreed the poor/stupid/non-white people. Today, this PF blog&#8217;s readers&#8230; tomorrow, the world!</p>
<p>Seriously though, no idea. Maybe it&#8217;s a way to justify or validate his own reproductive choices?</p>
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		<title>By: Johanna</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908448</link>
		<dc:creator>Johanna</dc:creator>
		<pubDate>Fri, 23 Apr 2010 21:45:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908448</guid>
		<description><![CDATA[Getting back to the actual subject of Parag&#039;s question: I wonder how many people there really are who don&#039;t have children for environmental reasons - as opposed, for example, to not having children because they don&#039;t want children, and using the environment as a convenient backup explanation to use when other people don&#039;t accept &quot;not wanting children&quot; as a legitimate preference.  Which happens surprisingly often.

If there is one group of people who should not be having children, it is people who don&#039;t want children.  And I still think it&#039;s weird that Trent keeps trying to convince people who don&#039;t want children to have them anyway, and I still wonder what he&#039;s trying to accomplish.]]></description>
		<content:encoded><![CDATA[<p>Getting back to the actual subject of Parag&#8217;s question: I wonder how many people there really are who don&#8217;t have children for environmental reasons &#8211; as opposed, for example, to not having children because they don&#8217;t want children, and using the environment as a convenient backup explanation to use when other people don&#8217;t accept &#8220;not wanting children&#8221; as a legitimate preference.  Which happens surprisingly often.</p>
<p>If there is one group of people who should not be having children, it is people who don&#8217;t want children.  And I still think it&#8217;s weird that Trent keeps trying to convince people who don&#8217;t want children to have them anyway, and I still wonder what he&#8217;s trying to accomplish.</p>
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		<title>By: Erin</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908384</link>
		<dc:creator>Erin</dc:creator>
		<pubDate>Fri, 23 Apr 2010 17:09:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908384</guid>
		<description><![CDATA[@Em - I just want to reinforce what other posters have said. Not only is it a bad idea to lend money to family in general, but if these people can&#039;t even save $5200 for a down payment they clearly cannot afford a house. They will come knocking on your door again when they get behind on the mortgage or have a major repair - and what will you do if, say, your furnace breaks down unexpectedly and your emergency fund is empty because you gave the money to relatives who are clearly bad with money? Please do not give them anything.]]></description>
		<content:encoded><![CDATA[<p>@Em &#8211; I just want to reinforce what other posters have said. Not only is it a bad idea to lend money to family in general, but if these people can&#8217;t even save $5200 for a down payment they clearly cannot afford a house. They will come knocking on your door again when they get behind on the mortgage or have a major repair &#8211; and what will you do if, say, your furnace breaks down unexpectedly and your emergency fund is empty because you gave the money to relatives who are clearly bad with money? Please do not give them anything.</p>
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		<title>By: Melody Bakeeff</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908359</link>
		<dc:creator>Melody Bakeeff</dc:creator>
		<pubDate>Fri, 23 Apr 2010 15:30:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908359</guid>
		<description><![CDATA[I have not seen &quot;Idiocracy&quot; though it&#039;s definitely on my list. (Netflix for the win!)
I admit, there have been times that life situations have frustrated me to the point I could have easily been Holmes, and have come to the same conclusions that the only way to curb some of societies ills would be to keep undesirable people from breeding. However, as I see things today (mid-30&#039;s) the problem is so much larger than just &#039;stupid vs. smart&#039; people. Because I have to tell you, there are quite a number of &#039;smart&#039; people that I vehemently disagree with. Mostly they consist of Conservatives. :-) Seriously, though - the conversation started-out as a question regarding having kids or not to conserve planetary resources. So - if smart, upper-class folks had the most kids and they populate the world with their message of ultra-consumption, how does that help?! Large lawns need more water, multiple-acre homesites need large amounts of maintenance - not to mention the potential electrical needs and the transformation of native land that goes on when these types of structures are built. I would personally be more inclined to build a world of &quot;smart&quot; folks who could balance the need for technology with the act of living in harmony with their surroundings. No need to get all primitive and tribal, but let&#039;s face it - the society we&#039;ve built is the reason for needing a TV, a phone, etc. If we had everything close to us still, we could simply walk into town and visit our neighbors rather than needing to call or drive a car. And this existing society can be said to have been built by &#039;smart&#039; people. So what does &#039;smart vs. dumb&#039; really have to do with this argument?]]></description>
		<content:encoded><![CDATA[<p>I have not seen &#8220;Idiocracy&#8221; though it&#8217;s definitely on my list. (Netflix for the win!)<br />
I admit, there have been times that life situations have frustrated me to the point I could have easily been Holmes, and have come to the same conclusions that the only way to curb some of societies ills would be to keep undesirable people from breeding. However, as I see things today (mid-30&#8242;s) the problem is so much larger than just &#8216;stupid vs. smart&#8217; people. Because I have to tell you, there are quite a number of &#8216;smart&#8217; people that I vehemently disagree with. Mostly they consist of Conservatives. :-) Seriously, though &#8211; the conversation started-out as a question regarding having kids or not to conserve planetary resources. So &#8211; if smart, upper-class folks had the most kids and they populate the world with their message of ultra-consumption, how does that help?! Large lawns need more water, multiple-acre homesites need large amounts of maintenance &#8211; not to mention the potential electrical needs and the transformation of native land that goes on when these types of structures are built. I would personally be more inclined to build a world of &#8220;smart&#8221; folks who could balance the need for technology with the act of living in harmony with their surroundings. No need to get all primitive and tribal, but let&#8217;s face it &#8211; the society we&#8217;ve built is the reason for needing a TV, a phone, etc. If we had everything close to us still, we could simply walk into town and visit our neighbors rather than needing to call or drive a car. And this existing society can be said to have been built by &#8216;smart&#8217; people. So what does &#8216;smart vs. dumb&#8217; really have to do with this argument?</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908350</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Fri, 23 Apr 2010 15:01:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908350</guid>
		<description><![CDATA[#53-- that&#039;s right Iowa... sorry, I get Akron and Ames mixed up!  Good thing I&#039;m not a stalker.]]></description>
		<content:encoded><![CDATA[<p>#53&#8211; that&#8217;s right Iowa&#8230; sorry, I get Akron and Ames mixed up!  Good thing I&#8217;m not a stalker.</p>
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		<title>By: Nancy</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908323</link>
		<dc:creator>Nancy</dc:creator>
		<pubDate>Fri, 23 Apr 2010 13:40:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908323</guid>
		<description><![CDATA[Weighing in on the &quot;dumb people have more children&quot; topic-- access to birth control and opportunities for girls and women (both here and abroad) are the 2 main factors in lowering birth rates.  Nothing to do with &quot;smarts.&quot; 

That being said, from an environmental perspective, Americans &amp; Europeans use many times more resources than those in poorer countries, so an American who chooses to not have children is making a big impact on the environment.

On the topic of 70% of your income paying taxes, Trent is right, you can argue until you&#039;re blue in the face about whether this is true or not.  What&#039;s important is what would happen if we paid 0 taxes, and coming up with a more progressive tax system would help.  The teabaggers forget the benefits that they and the rest of us enjoy because we pay taxes.]]></description>
		<content:encoded><![CDATA[<p>Weighing in on the &#8220;dumb people have more children&#8221; topic&#8211; access to birth control and opportunities for girls and women (both here and abroad) are the 2 main factors in lowering birth rates.  Nothing to do with &#8220;smarts.&#8221; </p>
<p>That being said, from an environmental perspective, Americans &amp; Europeans use many times more resources than those in poorer countries, so an American who chooses to not have children is making a big impact on the environment.</p>
<p>On the topic of 70% of your income paying taxes, Trent is right, you can argue until you&#8217;re blue in the face about whether this is true or not.  What&#8217;s important is what would happen if we paid 0 taxes, and coming up with a more progressive tax system would help.  The teabaggers forget the benefits that they and the rest of us enjoy because we pay taxes.</p>
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		<title>By: Steffie</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908316</link>
		<dc:creator>Steffie</dc:creator>
		<pubDate>Fri, 23 Apr 2010 12:19:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908316</guid>
		<description><![CDATA[FYI, It&#039;s not OHIO that is always mentioned, it&#039;s another Midwest state......]]></description>
		<content:encoded><![CDATA[<p>FYI, It&#8217;s not OHIO that is always mentioned, it&#8217;s another Midwest state&#8230;&#8230;</p>
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		<title>By: cherie</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908313</link>
		<dc:creator>cherie</dc:creator>
		<pubDate>Fri, 23 Apr 2010 10:57:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908313</guid>
		<description><![CDATA[Joanna I wouldn&#039;t leave a job you love unless you have some pressing needs to meet.  Not for that change in salary.  However why not use the offer, when it comes, and a view of competing union salaries, to ask YOUR boss for a raise?  That would be ideal no?
It&#039;s not easy to do, but if you have a competing offer in your pocket your boss might be willing to pony up a percentage of the change in pay just to keep you since it sounds like you a) are in high demand b) are a great employee since he gives you so much leeway and c) he&#039;d likely have to pay a union [therefore much more expensive] person to replace you, at least temporarily while he hired someone else.]]></description>
		<content:encoded><![CDATA[<p>Joanna I wouldn&#8217;t leave a job you love unless you have some pressing needs to meet.  Not for that change in salary.  However why not use the offer, when it comes, and a view of competing union salaries, to ask YOUR boss for a raise?  That would be ideal no?<br />
It&#8217;s not easy to do, but if you have a competing offer in your pocket your boss might be willing to pony up a percentage of the change in pay just to keep you since it sounds like you a) are in high demand b) are a great employee since he gives you so much leeway and c) he&#8217;d likely have to pay a union [therefore much more expensive] person to replace you, at least temporarily while he hired someone else.</p>
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		<title>By: deRuiter</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908312</link>
		<dc:creator>deRuiter</dc:creator>
		<pubDate>Fri, 23 Apr 2010 10:16:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908312</guid>
		<description><![CDATA[Dear Joanna,  20 K AFTER taxes is NOT  going to be 20K in your pocket, and you may be very unhappy in your new job for a lot less of a raise than you are anticipating. 
Dear Em,  Run from these profligate relatives and their attempt to suck out your financial life blood! They waste money &quot;flat screen TV, $18k new car&quot;, will not pay you back, will bad mouth you.  You are already subsidizing them with YOUR taxes so they can take government subsidies.  Our government is busy confiscating the earnings of the productive class, and subsidising the non productive class, you are already supporting these leaches through your taxes.   Add in the fact that they will not be able to make the payments because of their lifestyle and poor saving habits, and that they will go bankrupt, shafting the lending institution, and you.  Go take that 5 K and pay off YOUR OWN student loan debts or prepay on your mortgage.]]></description>
		<content:encoded><![CDATA[<p>Dear Joanna,  20 K AFTER taxes is NOT  going to be 20K in your pocket, and you may be very unhappy in your new job for a lot less of a raise than you are anticipating.<br />
Dear Em,  Run from these profligate relatives and their attempt to suck out your financial life blood! They waste money &#8220;flat screen TV, $18k new car&#8221;, will not pay you back, will bad mouth you.  You are already subsidizing them with YOUR taxes so they can take government subsidies.  Our government is busy confiscating the earnings of the productive class, and subsidising the non productive class, you are already supporting these leaches through your taxes.   Add in the fact that they will not be able to make the payments because of their lifestyle and poor saving habits, and that they will go bankrupt, shafting the lending institution, and you.  Go take that 5 K and pay off YOUR OWN student loan debts or prepay on your mortgage.</p>
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		<title>By: Steve in W MA</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908304</link>
		<dc:creator>Steve in W MA</dc:creator>
		<pubDate>Fri, 23 Apr 2010 06:48:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908304</guid>
		<description><![CDATA[Johanna is spot on. the fact that could &quot;swing&quot; lending them %5000 is very different from actually being able to afford it. You worked to save that money for your own family&#039;s wellbeing and you need to preserve it. By telling the no you are actually going to be serving them well (if they are willing to recognize it) byrole-modeling a kind of financial responsibility that they haven&#039;t developed yet.

Incidenteally, if they can&#039;t come up with $5000 for a downpayment then very likely they can&#039;t afford to really buy in the first place. It&#039;s really going to be reality check for them.]]></description>
		<content:encoded><![CDATA[<p>Johanna is spot on. the fact that could &#8220;swing&#8221; lending them %5000 is very different from actually being able to afford it. You worked to save that money for your own family&#8217;s wellbeing and you need to preserve it. By telling the no you are actually going to be serving them well (if they are willing to recognize it) byrole-modeling a kind of financial responsibility that they haven&#8217;t developed yet.</p>
<p>Incidenteally, if they can&#8217;t come up with $5000 for a downpayment then very likely they can&#8217;t afford to really buy in the first place. It&#8217;s really going to be reality check for them.</p>
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		<title>By: Brittany</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908288</link>
		<dc:creator>Brittany</dc:creator>
		<pubDate>Fri, 23 Apr 2010 03:07:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908288</guid>
		<description><![CDATA[Wow. Chill out. Trent has never said that poor (or stupid) people should stop having children. And while I disagree his premise, his beliefs don&#039;t even began to touch on the madness you&#039;re spouting about, not matter how slippery you try to make the slope.

All he said today is that people who can contemplate the ecological impact of having children would probably make good parents if they brought that level of contemplation to raising a child. In the past, he&#039;s said he believes that he thinks people who believe strongly in something should have children and raise them to believe that instead of throwing themselves into a life-work of spreading the cause to others (which is problematic for so many reasons, but that&#039;s another debate). He&#039;s never said that people he disagrees with should have fewer children or be forbidden from having children. Stop grinding your irrelevant ax on us, please.]]></description>
		<content:encoded><![CDATA[<p>Wow. Chill out. Trent has never said that poor (or stupid) people should stop having children. And while I disagree his premise, his beliefs don&#8217;t even began to touch on the madness you&#8217;re spouting about, not matter how slippery you try to make the slope.</p>
<p>All he said today is that people who can contemplate the ecological impact of having children would probably make good parents if they brought that level of contemplation to raising a child. In the past, he&#8217;s said he believes that he thinks people who believe strongly in something should have children and raise them to believe that instead of throwing themselves into a life-work of spreading the cause to others (which is problematic for so many reasons, but that&#8217;s another debate). He&#8217;s never said that people he disagrees with should have fewer children or be forbidden from having children. Stop grinding your irrelevant ax on us, please.</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908287</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Fri, 23 Apr 2010 02:28:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908287</guid>
		<description><![CDATA[Maybe only what was it, Norwegians?  Swedes?  (I forget which it was that populated the great state of Ohio) should be allowed to reproduce...]]></description>
		<content:encoded><![CDATA[<p>Maybe only what was it, Norwegians?  Swedes?  (I forget which it was that populated the great state of Ohio) should be allowed to reproduce&#8230;</p>
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		<title>By: alilz</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908286</link>
		<dc:creator>alilz</dc:creator>
		<pubDate>Fri, 23 Apr 2010 02:02:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908286</guid>
		<description><![CDATA[Nobody here said anything about it.

But what Trent has said multiple times about the &quot;intelligent&quot; people needing to have children and what you said:

 It’s true that smart people really ARE having fewer children, while those with lower IQs tend to have more (often with multiple partners).

Just struck me as too damn close to Justice Oliver Wendel Holmes reasoning for the Supreme Court ruling (8-1) that forcible sterilizing people to keep the gene pool clean was in the state&#039;s best interest:

&quot;We have seen more than once that the public welfare may call upon the best citizens for their lives. It would be strange if it could not call upon those who already sap the strength of the State for these lesser sacrifices, often not felt to be such by those concerned, in order to prevent our being swamped with incompetence. It is better for all the world, if instead of waiting to execute degenerate offspring for crime, or to let them starve for their imbecility, society can prevent those who are manifestly unfit from continuing their kind.&quot;


I posted this because I wanted Trent to think, and I wanted other people to think -- that within his life time, within in my lifetime -- that attitude of only certain people should have children was taken to the extreme.

I&#039;ve seen a documentary about the Virginia case, they interviewed a woman, who as a teenager had been put in an institution because her family was poor and she was considered &quot;feeble&quot; (she had dyslexia she found out later), and her parents couldn&#039;t afford to take care of her. 

But she grew up, got a job, married and tried and tried and tried to have children. Finally she went to the doctor and he examined her and told her -- of course you can&#039;t have kids your tubes are tied.

This woman had no idea about what happened, she was told she some lie about the operation. She had her choice to have children taken away because a bunch of people saw her as poor and stupid.

So no, no one here is advocating forced sterilization but those policies grew out of the same ideas both you and Trent have expressed.]]></description>
		<content:encoded><![CDATA[<p>Nobody here said anything about it.</p>
<p>But what Trent has said multiple times about the &#8220;intelligent&#8221; people needing to have children and what you said:</p>
<p> It’s true that smart people really ARE having fewer children, while those with lower IQs tend to have more (often with multiple partners).</p>
<p>Just struck me as too damn close to Justice Oliver Wendel Holmes reasoning for the Supreme Court ruling (8-1) that forcible sterilizing people to keep the gene pool clean was in the state&#8217;s best interest:</p>
<p>&#8220;We have seen more than once that the public welfare may call upon the best citizens for their lives. It would be strange if it could not call upon those who already sap the strength of the State for these lesser sacrifices, often not felt to be such by those concerned, in order to prevent our being swamped with incompetence. It is better for all the world, if instead of waiting to execute degenerate offspring for crime, or to let them starve for their imbecility, society can prevent those who are manifestly unfit from continuing their kind.&#8221;</p>
<p>I posted this because I wanted Trent to think, and I wanted other people to think &#8212; that within his life time, within in my lifetime &#8212; that attitude of only certain people should have children was taken to the extreme.</p>
<p>I&#8217;ve seen a documentary about the Virginia case, they interviewed a woman, who as a teenager had been put in an institution because her family was poor and she was considered &#8220;feeble&#8221; (she had dyslexia she found out later), and her parents couldn&#8217;t afford to take care of her. </p>
<p>But she grew up, got a job, married and tried and tried and tried to have children. Finally she went to the doctor and he examined her and told her &#8212; of course you can&#8217;t have kids your tubes are tied.</p>
<p>This woman had no idea about what happened, she was told she some lie about the operation. She had her choice to have children taken away because a bunch of people saw her as poor and stupid.</p>
<p>So no, no one here is advocating forced sterilization but those policies grew out of the same ideas both you and Trent have expressed.</p>
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		<title>By: Kevin</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908282</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Fri, 23 Apr 2010 01:10:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908282</guid>
		<description><![CDATA[@alilz:

Whoa, hold on!  Who said anything about &quot;forced sterilization?&quot;]]></description>
		<content:encoded><![CDATA[<p>@alilz:</p>
<p>Whoa, hold on!  Who said anything about &#8220;forced sterilization?&#8221;</p>
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		<title>By: alilz</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908268</link>
		<dc:creator>alilz</dc:creator>
		<pubDate>Thu, 22 Apr 2010 22:56:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908268</guid>
		<description><![CDATA[I don&#039;t know if this post will go through -- but what Trent is advocating -- that only smart people, only the &quot;right&quot; people should have kids --is eugenics.

I&#039;m going to step up on my soap box because there are comments here and parts of Trent&#039;s answers that make me very angry. Eugenics isn&#039;t just about race, and it&#039;s not some dead idea  that only the Nazis did.

The United States forcibly sterilized I don&#039;t know know even how many individuals and the last forced sterilization happened in 1981. In my life time, in Trent&#039;s life time. 

IT was validated by the Supreme Court  Often this was done not only without consent, but without the people knowing it was happening to them. They were told they had to have surgery for one reason, and then they were sterilized.

Between 1917 and 1981  2600 people in the state of Oregon were forcibly sterilized.

Why? Again because they were &quot;unfit&quot;. They were poor or &quot;feeble minded&quot; or had epilepsy or were alcoholics. Or their parents were criminals

In 1941 100 teenage girls, who were in state home, were sterilized without their consent, and most likely without their knowledge.

In Virginia 7450 people were sterilized. Again for being poor, or &quot;ne&#039;er do wells&quot; or having mental illness or not being smart enough (probably some had learning disabilities), or they were deaf or blind or partially deaf or blind. Or had a physical deformity. 

One of those teenage boys who was sterilized became a decorated WWII veteran. 

The US Supreme court case that legitimized sterilization happened because a woman fought back, she was institutionalized and classified as &quot;feeble minded&quot;  because she was unmarried and had a child after being raped. Her child at age 6 months was deemed feeble minded. Carrie fought but ultimately lost and was forcibly sterilized.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t know if this post will go through &#8212; but what Trent is advocating &#8212; that only smart people, only the &#8220;right&#8221; people should have kids &#8211;is eugenics.</p>
<p>I&#8217;m going to step up on my soap box because there are comments here and parts of Trent&#8217;s answers that make me very angry. Eugenics isn&#8217;t just about race, and it&#8217;s not some dead idea  that only the Nazis did.</p>
<p>The United States forcibly sterilized I don&#8217;t know know even how many individuals and the last forced sterilization happened in 1981. In my life time, in Trent&#8217;s life time. </p>
<p>IT was validated by the Supreme Court  Often this was done not only without consent, but without the people knowing it was happening to them. They were told they had to have surgery for one reason, and then they were sterilized.</p>
<p>Between 1917 and 1981  2600 people in the state of Oregon were forcibly sterilized.</p>
<p>Why? Again because they were &#8220;unfit&#8221;. They were poor or &#8220;feeble minded&#8221; or had epilepsy or were alcoholics. Or their parents were criminals</p>
<p>In 1941 100 teenage girls, who were in state home, were sterilized without their consent, and most likely without their knowledge.</p>
<p>In Virginia 7450 people were sterilized. Again for being poor, or &#8220;ne&#8217;er do wells&#8221; or having mental illness or not being smart enough (probably some had learning disabilities), or they were deaf or blind or partially deaf or blind. Or had a physical deformity. </p>
<p>One of those teenage boys who was sterilized became a decorated WWII veteran. </p>
<p>The US Supreme court case that legitimized sterilization happened because a woman fought back, she was institutionalized and classified as &#8220;feeble minded&#8221;  because she was unmarried and had a child after being raped. Her child at age 6 months was deemed feeble minded. Carrie fought but ultimately lost and was forcibly sterilized.</p>
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		<title>By: Larabara</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908257</link>
		<dc:creator>Larabara</dc:creator>
		<pubDate>Thu, 22 Apr 2010 21:46:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908257</guid>
		<description><![CDATA[Sorry, almost there, but I have to chime in with disagreement.  Plenty of stupid people have smart children, and vice versa.  Sometimes the smart children get an opportunity to get out of their environment, but many times they don&#039;t and are doomed to the same fate as their parents.  

A lot of smart parents, once they realize that their kid&#039;s intelligence does not match or exceed their own, usually have the means to maximize whatever potential their kid has, with extra tutoring, special classes, private instruction, etc.  

And if the affluent kid commits crimes, the parents can get better lawyers who keep the kids out of jail--they&#039;ll get counseling, guidance, stints at a rehab center, and whatever else is available to them.  But poor people don&#039;t have much access to the same things, and usually are committed to at least some jail time (and a black mark on their permanent record).  

And while poor people may have unplanned children, more affluent people have better access to family planning and discreet abortions.]]></description>
		<content:encoded><![CDATA[<p>Sorry, almost there, but I have to chime in with disagreement.  Plenty of stupid people have smart children, and vice versa.  Sometimes the smart children get an opportunity to get out of their environment, but many times they don&#8217;t and are doomed to the same fate as their parents.  </p>
<p>A lot of smart parents, once they realize that their kid&#8217;s intelligence does not match or exceed their own, usually have the means to maximize whatever potential their kid has, with extra tutoring, special classes, private instruction, etc.  </p>
<p>And if the affluent kid commits crimes, the parents can get better lawyers who keep the kids out of jail&#8211;they&#8217;ll get counseling, guidance, stints at a rehab center, and whatever else is available to them.  But poor people don&#8217;t have much access to the same things, and usually are committed to at least some jail time (and a black mark on their permanent record).  </p>
<p>And while poor people may have unplanned children, more affluent people have better access to family planning and discreet abortions.</p>
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		<title>By: Todd</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908255</link>
		<dc:creator>Todd</dc:creator>
		<pubDate>Thu, 22 Apr 2010 21:35:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908255</guid>
		<description><![CDATA[Em:  Please don&#039;t loan money to your relatives.  Everyone thinks &quot;My situation/family is different&quot; (I thought that when I did it) but it almost always ends the same way.  I haven&#039;t spoken to a brother since 1998, not because I&#039;m so resentful about the thousands he borrowed and didn&#039;t repay. (I told him long ago I&#039;d just forget about the rest of the money, but he still avoids me.)  I think my presence reminds him of the money even though I don&#039;t bring it up.  

Please just say &quot;We never mix family and friends with business&quot; and then live by that rule.  When you become a lender or a borrower, your relationship with someone becomes all about money.  Even if it ends well and they pay you back, they&#039;ll always remember that YOU were the reason they could buy a house, and they&#039;ll resent you for being in the &quot;superior&quot; position.  (And somewhere inside, you&#039;ll always remember that you were in that position and you&#039;ll resent them for not being grateful enough about it.)]]></description>
		<content:encoded><![CDATA[<p>Em:  Please don&#8217;t loan money to your relatives.  Everyone thinks &#8220;My situation/family is different&#8221; (I thought that when I did it) but it almost always ends the same way.  I haven&#8217;t spoken to a brother since 1998, not because I&#8217;m so resentful about the thousands he borrowed and didn&#8217;t repay. (I told him long ago I&#8217;d just forget about the rest of the money, but he still avoids me.)  I think my presence reminds him of the money even though I don&#8217;t bring it up.  </p>
<p>Please just say &#8220;We never mix family and friends with business&#8221; and then live by that rule.  When you become a lender or a borrower, your relationship with someone becomes all about money.  Even if it ends well and they pay you back, they&#8217;ll always remember that YOU were the reason they could buy a house, and they&#8217;ll resent you for being in the &#8220;superior&#8221; position.  (And somewhere inside, you&#8217;ll always remember that you were in that position and you&#8217;ll resent them for not being grateful enough about it.)</p>
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		<title>By: anna</title>
		<link>http://www.thesimpledollar.com/2010/04/22/reader-mailbag-quicken/#comment-908248</link>
		<dc:creator>anna</dc:creator>
		<pubDate>Thu, 22 Apr 2010 21:00:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5291#comment-908248</guid>
		<description><![CDATA[Em: I know in Missouri you CANNOT loan someone their downpayment. When closing on the house your bank will make you sign a paper saying you are &quot;gifting&quot; them the amount for the downpayment, no bank wants to get &quot;loaned&quot; money to give you a loan. Look into your states laws and if nothing else you can tell them, you legally aren&#039;t allowed to loan them the money. It might be easier to tell them its against the law than you don&#039;t want to mess with loaning family members money.]]></description>
		<content:encoded><![CDATA[<p>Em: I know in Missouri you CANNOT loan someone their downpayment. When closing on the house your bank will make you sign a paper saying you are &#8220;gifting&#8221; them the amount for the downpayment, no bank wants to get &#8220;loaned&#8221; money to give you a loan. Look into your states laws and if nothing else you can tell them, you legally aren&#8217;t allowed to loan them the money. It might be easier to tell them its against the law than you don&#8217;t want to mess with loaning family members money.</p>
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