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re: How do we change the culture of bad decision-making?
Posted on 2/13/17 at 5:31 pm to AggieDub14
Posted on 2/13/17 at 5:31 pm to AggieDub14
Here is a prime example of bad decision making:
A guy who works for me came in my office while I was filling out my taxes. He was shocked I knew how to do it myself. He usually goes to H&R block and gets his refund right then, which costs him a few hundred dollars. I offered to do his taxes for him for free (would take me 15 min, he has no dependents or stock holdings) and he would get the full refund amount in about a month or 2.
Nope he refused, because he would rather get the money today rather than wait. He makes about 10 bucks an hour. Can't fix stupid
A guy who works for me came in my office while I was filling out my taxes. He was shocked I knew how to do it myself. He usually goes to H&R block and gets his refund right then, which costs him a few hundred dollars. I offered to do his taxes for him for free (would take me 15 min, he has no dependents or stock holdings) and he would get the full refund amount in about a month or 2.
Nope he refused, because he would rather get the money today rather than wait. He makes about 10 bucks an hour. Can't fix stupid
0
Posted on 2/13/17 at 5:35 pm to Brosef Stalin
quote:
Some people are content to live in a trailer and live off frozen dinners and soda. If they are happy and not hurting anyone, so what? Not even wants to live in a mansion.
Those people hurt my wallet when they get free healthcare, food stamps, crazy checks, and a plethora of other shite.
If they worked a honest job and were happy with that life and didn't take any entitlements, I would agree with you.
Posted on 2/13/17 at 5:35 pm to SlowFlowPro
Are you familiar with the work of Richard thaler and nudge?
Posted on 2/13/17 at 5:39 pm to geauxtigahs87
quote:
many on the left need to accept that bad decision-making is the primary reason why most poor people are poor
What a crock of shite. I wish I had a dollar for every "rich kid" I witnessed being rescued by mommy and daddy.
Posted on 2/13/17 at 5:41 pm to WildTchoupitoulas
quote:
Some 50 million Americans are just stupid and cannot learn from their mistakes
Frankly, that's an underestimate.
The reality is this. People of average intelligence aren't very bright.
Posted on 2/13/17 at 5:47 pm to Kickadawgitfeelsgood
quote:
What a crock of shite. I wish I had a dollar for every "rich kid" I witnessed being rescued by mommy and daddy.
This is not about being bailed out for DWI. This is about thousands of small, daily choices.
And about a large percentage of people in poverty, not that random spoiled brat we all knew.
But, even if you were right, what is your point? If some poor kid fricks up, the government needs to bail them out because they're poor? frick that.
Posted on 2/13/17 at 5:47 pm to SlowFlowPro
quote:
A lot of poor people are poor due to bad decisions and/or lack of forward thinking, such as not purchasing toilet paper in bulk or on sale.
Yes people buying toilet paper incorrectly is why wages have not risen since the falsehood of trickle-down economics was forced upon America.
Posted on 2/13/17 at 5:48 pm to CaptainBrannigan
He lives in one deluded world doesn't he 
Posted on 2/13/17 at 6:02 pm to CaptainBrannigan
quote:I'm not even sure how you could have even thought this post was a good idea, unless you want to make yourself look ridiculous.
Yes people buying toilet paper incorrectly is why wages have not risen since the falsehood of trickle-down economics was forced upon America.
Posted on 2/13/17 at 6:03 pm to buckeye_vol
quote:
unless you want to make yourself look ridiculous.
That's the end result of 99% of his posts.
Posted on 2/13/17 at 6:05 pm to ShortyRob
quote:
Frankly, that's an underestimate. The reality is this.
People of average intelligence aren't very bright.
It's really pretty simple - People of average intelligence aren't as useful as they used to be. We don't need as many warm bodies to turn bolts or wash clothes any more. People of low intelligence fall even further.
I'm not saying I like govt benefits or anything. Just that poverty and bad decision-making is not going to go away without them.
Posted on 2/13/17 at 6:41 pm to CaptainBrannigan
quote:
Yes people buying toilet paper incorrectly is why wages have not risen since the falsehood of trickle-down economics was forced upon America.
Most of the people being discussed here don't have jobs, nor are they in a temporary financial downturn. They are part of permanent underclass that created a multigenerational career path ofliving off entitlements. It will only change if the taxpayers force lawmakers to quit funding it. We will also have to be comfortable with the increased crime that will accompany cutting off funding, and the shanty towns that will develop once government subsidized housing is not available.
Posted on 2/13/17 at 6:45 pm to CaptainBrannigan
quote:
Yes people buying toilet paper incorrectly is why wages have not risen since the falsehood of trickle-down economics was forced upon America.
Poor spending habits contribute to the poor staying poor. Primarily using convenience stores and buying "luxuries" instead of necessities. This is common knowledge.
Posted on 2/13/17 at 6:49 pm to kingbob
quote:
If you have no real skills and little experience, not working>working in the short and medium timescale, especially if you are a single mother.
That's not the issue we were talking about. The issue is having children in order to get more money from the government versus working and not having children. The incentives are WAY in favor of working and not having children.
quote:
The amount of money you get is better than working 40 hours/week at minimum wage
No. Not even close.
quote:
You also get the benefit of having an additional 40 hours of free time.
Taking care of a child is not free time. Arguably a parent taking care of a child has NO free time. A part-time minimum wage worker with no children, on the other hand, has a lot. And makes more money.
quote:
Sure, maybe, if you're really a good worker, in 5-10 years, you may come out ahead,
No, from the day you start, even working part time, you make at least as much and usually more than the government benefits you get from having a baby, and that's not even taking into account how drastically lower your expenses are since you're not having to pay for things a child needs.
quote:
The underclass makes poor financial decisions, not irrational ones.
We're not talking about the entire underclass. We're talking specifically about women who supposedly have children they can't afford in order to get more money from the government. That's an irrational decision. There is no scenario where it works out anywhere close to working even a part-time minimum wage job.
Posted on 2/13/17 at 6:51 pm to Nuts4LSU
quote:
The incentives are WAY in favor of working and not having children.
quote:
women who supposedly have children they can't afford in order to get more money from the government. That's an irrational decision
Poor people make irrational decisions daily.
This post was edited on 2/13/17 at 6:53 pm
Posted on 2/13/17 at 6:55 pm to RogerTheShrubber
quote:
Poor people make irrational decisions daily.
Yes, that's my point. The argument for trying to influence them with incentives depends on the assumption that they will act rationally in response to the incentives. They won't.
Posted on 2/13/17 at 6:58 pm to RogerTheShrubber
Not if you are a single mother. That's the truth.
No kids and working? You have to pay for your own housing, healthcare, food, and phone. Those things are damn near unaffordable for most people working typical service jobs (waiting tables, food service, stocking groceries, retail, barista, etc) without working multiple jobs, having 5 roommates, or being partially supported by family.
Single mother pays for none of those things herself AND doesn't have to work. Remember, being a single mother with a job that works too many hours gets NONE of those things AND has to care for the child to boot.
It's a trap, it's always been a trap, and it always will be a trap until it is reformed or eliminated entirely.
Private charity doesn't trap people because charities have the luxary of being able to tell people who don't deserve it "no".
That makes it a gift of love, not an entitlement. Those who recieve it are thankful rather than bitter that they're not getting more. It is why Jesus advocated for doing good works rather than bread and circuses. Charities, like Jesus, help those who would help themselves. Entitlements help those who refuse to help themselves to anything but your money.
No kids and working? You have to pay for your own housing, healthcare, food, and phone. Those things are damn near unaffordable for most people working typical service jobs (waiting tables, food service, stocking groceries, retail, barista, etc) without working multiple jobs, having 5 roommates, or being partially supported by family.
Single mother pays for none of those things herself AND doesn't have to work. Remember, being a single mother with a job that works too many hours gets NONE of those things AND has to care for the child to boot.
It's a trap, it's always been a trap, and it always will be a trap until it is reformed or eliminated entirely.
Private charity doesn't trap people because charities have the luxary of being able to tell people who don't deserve it "no".
That makes it a gift of love, not an entitlement. Those who recieve it are thankful rather than bitter that they're not getting more. It is why Jesus advocated for doing good works rather than bread and circuses. Charities, like Jesus, help those who would help themselves. Entitlements help those who refuse to help themselves to anything but your money.
This post was edited on 2/13/17 at 6:59 pm
Posted on 2/13/17 at 6:59 pm to Nuts4LSU
quote:
Yes, that's my point. The argument for trying to influence them with incentives depends on the assumption that they will act rationally in response to the incentives. They won'
A single parent, it's advantageous to have up to three kids to get benefits. There's probably a few people living in the home and working part time at burger King to help out, of course they aren't married and don't report income to housing. The sweet spot for earning money and maximizing benefits is around 30k.
It's advantageous to have kids, it's damn near impossible in some states to get benefits,without kids. Throw in about 6,000 EITC for three kids and you can work part time, have a few kids and maximize benefits.
Your making good a wrong assumption if you think most of these people will work more hours if it means losing benefits.
This post was edited on 2/13/17 at 7:01 pm
Posted on 2/13/17 at 7:00 pm to Nuts4LSU
quote:
No, from the day you start, even working part time, you make at least as much and usually more than the government benefits you get from having a baby, and that's not even taking into account how drastically lower your expenses are since you're not having to pay for things a child needs.
Which is why they rarely stop with one child, each additional child brings a increase in benefits, and where did you get the idea that these people have expenses from having children. Medical, dental, eye care, school uniforms, school lunches, meals when school is out for the summer, after school daycare, diapers, formula, childbirth, it is all covered. When you have almost zero expenses related to having a child when not working the fact that the actual cash benefit received vs having a job is lower is a moot point.
Posted on 2/13/17 at 7:04 pm to kingbob
quote:
THEY CANNOT LEARN FROM CONSEQUENCES BECAUSE OUR ENTITLEMENTS ENSURE THEY NEVER FEEL THEM!!!!
Oh, well now that you typed it in all caps, it makes so much more sense.
They are facing consequences. The consequences they are facing right now is that they have less money, more work to do, less free time, more stress to their bodies than they would have if they had gotten a part-time minimum wage job instead of having kids to get a government check. If they had gotten a job instead of getting pregnant, they'd make more money, have fewer expenses, have way less work to do, lots more free time and a lot less strain on their bodies.
So, they have voluntarily chosen an option which pays less, requires much more work, increases expenses and burdens their bodies and lifestyles for many years. That's an irrational choice that shows they are not concerned with consequences. Living a shittier life than they otherwise would be is a negative consequence. And they seem OK with that. How is another negative consequence going to influence someone like that?
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