"

Low-income people are often criticised for making ‘poor decisions’ in the eyes of observers who think they have a better understanding of how poor people should live their lives, prioritise their spending, and live within their own communities. Yet, these criticisms are often made with a lack of understanding about how income levels influence decisionmaking, and how certain habits can become ingrained even after years; if you have lived with insecurity at some point, you are likely to continue to retain habits that reflect the experience of financial insecurity, even if those habits are actually detrimental to saving money, developing more independence, and living securely.

The thing about being poor is that it requires a radically different approach to life, and one that often doesn’t involve a long-term view, because you can’t afford to take such a view. When poor people are criticised for ‘bad decisions,’ it’s often for things like not buying in bulk (the econopack problem rides again), not renting more affordable housing (yes, because people choose to live in expensive rentals), not buying things that are more expensive in the short term but pay off in the long term (‘why keep buying crappy $20 shoes when you could buy a $100 pair of long-lasting shoes?’). So many of these judgments involve how poor people use their money, and they betray a fundamental lack of understanding about some basic facts of being poor.

When you are poor, you do not have savings, money in reserve, or a safety cushion in your bank account. It’s not that you’re being cheap and refusing to buy those $100 shoes, it’s that you have $35 in your bank account until next pay day, and your child needs shoes today. You don’t have access to credit, and if you did and chose to put those better shoes on a credit card, you wouldn’t be able to pay them off anyway, because most of your next paycheque is already allocated to expenses like rent and utilities that must be paid immediately (and in some cases are overdue).

When you are poor, there is no safety net, and this is something many middle class people do not understand. They confuse broke and poor, and don’t understand the genuine difference between their way of life and that of others. Those who retain cushions of hundreds or thousands of dollars start getting nervous about ‘not having enough money’ when they still have more in their accounts than poor people make in a month—and while one might argue that savings and maintaining such cushions is an example of good financial planning and a good idea, it’s only accessible to people who make enough money to do it.

And who have trained themselves to have the habit of doing it. One of the facts of poverty is that you become accustomed to spending money when you have it, and it becomes hard to check your spending habits in the unlikely event you do start making more money; consequently, it becomes very hard to save money, or to use your funds on practical things. Thus, a poor person might buy something like a television instead of bulk foods for the pantry, attracting disdain from critics, simply because she wants a television, and she has the money. Next month, when her income fluctuates and an emergency eats up her extra cash, she’s right back where she started, but at least she still has that television (for now, until she’s forced to sell it to pay the water bill three months in the future).

Decision making is complicated when you’re poor, and you have a very different rubric for decisions that other members of society do. Being poor isn’t mysterious and noble, but it’s not the fault of people who are poor, either; and it’s not necessarily something that people can magic their way out of just by making ‘the right choices’ as deemed by other members of society.

Decision making while poor can involve being forced to choose between two important expenses with the knowledge that you can only cover one. Food or electricity? Rent or garbage bill? Water or phone? Copay for the doctor’s office or transit pass so you can get to work? Car insurance or parking tickets? While many people are familiar with constant demands on their finances, people in the middle classes can generally handle these needs routinely as they come up; pay it off, move forward, maybe shift the budget around a little to accommodate unexpected expenses. When you are poor, even five dollars more or less can make a huge difference in your life.

The role that poverty plays as a looming shadow in the lives of many people is often discounted. To be poor is to make decisions solely on the basis of money, sometimes in the active knowledge that they are bad decisions but that they are also the only choice; this raises questions about the nature of whether they are truly decisions, or could be more accurately termed forced sacrificial moves. And to have been poor is to fear poverty again, to attempt to pull yourself out of harmful set habits that you recognise, but don’t necessarily know how to address, because you’ve never known anything but finance-induced decision making.

Is the money there? Spend it, quickly, before it slips away. Address immediate needs as they arise, because everything is a right-now crisis, and try not to think about the future. If the car breaks down, hope that it’s an easy fix, because the thought of buying a new one is insurmountable right now. If you can’t fix it, buy another old clunker even though you know it’ll break down too, because it’s all you can afford. Or search for a new job that will let you take transit, and hope that you don’t end up short on bus fare at the end of the month in that awkward period when all the money’s gone out and nothing has come in yet.

"
1 day ago with 2,304 notes — via professorspork, © belcanta
#poverty #facts about me


lingeringlilies:

My book is available for purchase on Amazon and Barnes & Noble!

Riley Montgomery is a bartender, a lab assistant, and a sex worker — all in different lives. A seemingly innocuous conversation with a graduate school professor unravels Riley’s life into three separate strands. The three versions of Riley’s life are as separate as can be, yet have one common thread: falling in love with a beautiful and brave woman named Faye Nguyen.

If you have enjoyed my other stories, please give this one a shot; it’s fresh and different and something I’m really proud of.

Please see my FAQ.

4 days ago with 103 notes — via lingeringlilies
#signal boost #book things


petitsirena:

I CAN’T STOP WATCHING THIS SHE IS SO AMAZING HOLY SHIT !!!!

5 days ago with 344 notes — via mjduncan, © petitsirena
#kacy catanzaro #videos #american ninja warrior #this is incredible


Colour Meme [x] lisathevampireslayer asked Cordy + Shades of Purple

5 days ago with 641 notes — via tothewesternsky, © sulietsexual
#buffy the vampire slayer #cordelia chase


allthrumyribs:

patronustrip:

Frozen is the new Black

I’ve completely lost it.

This needs 3930929648762358723 notes.  OMG.  This is amazing.  I love people.

1 week ago with 36,860 notes — via lateinlifetiburon, © patronustrip
#frozen #orange is the new black #videos #THIS IS PERFECT


noahhateseverything:

If you are still looking for the song of the summer, STOP LOOKING. I have found it for you.

  • Her name is Kiesza. She is Canadian.
  • She is a classically trained ballet dancer.
  • She was a codebreaker in the Canadian Navy.
  • The song is called Hideaway. It is the jam to end all jams.
  • The song is bringing back C+C Music Factory 90s house realness.
  • This is going to be huge.

Y’all take care.

1 week ago with 100,325 notes — via professorspork, © noahhateseverything
#music #kiesza #videos


becomming:

xlizardx:

Apparently this is "The clearest photo of Mercury ever taken."

why isnt everyone getting so excited about this, it is literally another planet look at how beautiful it is stop what your doing and look at how alien like this planet is what is living there oh my god mercury

becomming:

xlizardx:

Apparently this is "The clearest photo of Mercury ever taken."

why isnt everyone getting so excited about this, it is literally another planet look at how beautiful it is stop what your doing and look at how alien like this planet is what is living there oh my god mercury

1 week ago with 356,807 notes — via professorspork, © xlizardx
#space #mercury #astronomy


"'I did warn you,' said a deep amused voice, and everyone turned to see Professor Dumbledore coming out of the Great Hall. He surveyed Fred and George, his eyes twinkling. 'I suggest you go up to Madam Pomfrey. She is already tending to Miss Fawcett, of Ravenclaw, and Mr. Summers, of Hufflepuff, both of whom decided to age themselves up a little too. Though I must say, neither of their beards is anything like as fine as yours.'"

- Harry Potter and the Goblet of Fire by J.K. Rowling (US 260.) 

But not one of the Slytherins were either smart enough to figure out how to age themselves, or daring enough to go through with it?

The house where the students "use any means to achieve their ends"?

The house with ambition as their defining trait didn’t make a play for tournament champion?

… Yeah, okay. 

JKR can’t bring herself to give Slytherin a solid good thing - even in situations where it would make sense, like this one. This example is such a little thing, but it reveals a lot. 

But something tells me if a Slytherin did pull a Fred and George they wouldn’t be presented as lovable rascals, but more along the lines of “Look how entitled they are that they think the rules don’t apply to them! Serves them right!” 

I think it comes down to the fact JKR doesn’t portray the Slytherins like the Hat itself describes them (even Snape’s badassery is attributed to “maybe we sort too soon”). There are many positive examples of ambition and cunning throughout the series, but hardly any of them are from Slytherins. Interestingly, hardly any of those positive examples are explicitly acknowledged as such, as if the words ambition and cunning are just dressed-up versions of ‘selfish’ and ‘sneak’ - exactly how the house is portrayed.

This is because JKR just wants them around as two dimensional junior villains, which obviously leaves quite a hole in her world building (bronzedragon already wrote about this at length.) The real narrative purpose of Slytherin is apparent in HBP when Harry overhears them in the train compartment, which has got to be the most shallow, stereotypical portrayal ever (they begrudgingly admit the crush of our Hero is pretty!) But that is it’s own post… 

(via fallenangelontheceiling)

1 week ago with 742 notes — via fallenangelontheceiling
#harry potter series #slytherins


thehurricaneseason:

dynastylnoire:

nexipsum:

postracialcomments:

elliehotchner:

thenigerianassassin:

snowbunnysampson:

postracialcomments:

First female black student-president at nation’s most expensive prep school is forced to resign after ‘offensive’ photographs of her mocking ‘typical white classmates’ emerge online
The former black student body president at a pricey New Jersey prep school was forced to resign from her leadership position earlier this year after she posted a series of photos on the Internet, in which she is seen dressed as what she describes to be the typical male, white student at the school.
In the photos, former Lawrenceville School Student Body President Maya Peterson is seen wearing L.L. Bean duck boots, a Yale University sweatshirt and is holding a hockey stick, which she says is representative of the typical ‘Lawrenceville boi.’
In addition to the photos, she added hashtags like ‘#romney2016,’ ‘#confederate,’ and ‘#peakedinhighschool.’
Peterson explains that the photos were meant as a joke in response to complaints made by students about her senior photos, in which she and 10 friends - all of whom were black - are seen raising their fists in a ‘Black Power’ salute. 
'I understand why I hurt people’s feelings, but I didn’t become president to make sure rich white guys had more representation on campus,' she told the website. 'Let’s be honest. They’re not the ones that feel uncomfortable here.'
Some of Peterson’s classmates, however, didn’t see the humor in her ‘racist’ photos.
'You’re the student body president, and you’re mocking and blatantly insulting a large group of the school’s male population,' one student commented on the photo.
Peterson’s response to the comment only made things worse.
'Yes, I am making a mockery of the right-wing, confederate-flag hanging, openly misogynistic Lawrentians,' Peterson responded. 'If that’s a large portion of the school’s male population, then I think the issue is not with my bringing attention to it in a lighthearted way, but rather why no one has brought attention to it before…'
Both students and faculty members felt the images were offensive, and that ‘it was not fitting of a student leader to make comments mocking members of the community,’ Dean of Students Nancy Thomas told the Lawrenceville student paper.
Peterson’s take on race has irritated her classmates in the past, as well.
In 2012, following the re-election of President Barack Obama, Peterson wrote on Facebook about how proud she was that an African-American was president - and threw in a sarcastic jab at white people.
'As a black and Latino, gay woman in the United States of America, today is a momentous day,' she wrote. 'I’m sorry to all the rich white men who have failed to elect a president that endorses their greed.'
Some of her classmates felt the Facebook post was racist.
'I’m gonna have to assume from your political beliefs and what you’ve said that you do not pay for your Lawrenceville tuition in its entirety,' one student wrote. 'But do you know who pays for that? Yeah, that would be all those greedy white men who actually worked for their fortune, not relied on the government to support them. Just saying.'
Peterson’s family paid full tuition at the school.
Peterson’s getting elected student body president worried many of her classmates, as they believed she was alienating a large portion of the student body with her controversial comments about white classmates
One former student said Peterson’s photos - and overall attitude, ‘violated the spirit of the Lawrenceville community.’
'It was hateful. It wasn’t inclusive,' the student, identified only as David, said. 'When I think of Maya Peterson, I don’t think of someone who is an avid proponent of progress or of inclusiveness. I think of someone who is hateful. She had a hateful spirit.
Source
Lord look at this madness
I SUPPORT MAYA PETERSON!!!!

I have never felt more love for someone that I have never met than I do for this young woman.  I thought she would apologize but in the boldness of her reasoning I saw no lies.
Maya Paterson for some public office in the future?  Presidency maybe..

Blackface African parties: Silence
Native American mocking parties-Silence
Urban Black culture mocking parties-Silence
Black woman with a hockey stick-OMG REVERSE RACISM!!!
I honestly believe she was making a point and their reaction made her point perfectly. 

I think she was exhibiting racism and bigotry and arrogance. And her reaction to her classmates’ responses proves their point, not the other way around. I don’t care if she’s black or gay; that shouldn’t allow her to get away with something like this. If it were reversed and a white student was mocking black people like this, that kid would have the wrath of hell heaped upon him/her. You are correct in saying there is no reverse racism, but what you fail to realize is that it is still racism no matter what ethnicity it is directed at. Now I would like to clarify that when I said I didn’t care if she was black or gay, that doesn’t mean I hate blacks or gays. I was saying that her race and her sexual orientation should not dictate what she gets in trouble for. I strongly feel that Peterson was in the wrong here and she should take responsibility for her actions. And if this were reversed, my opinions and viewpoints would not change.

Oh really?
But minority students at Lawrenceville — where, according to both black and white students, Confederate flags still line many boarding houses — said the school still has a long way to go.
One freshman student from Shanghai, China, wrote in the Lawrenceville student paper this year that he was fooled by the “faux ‘diversity’” the school advertised.
Black Lawrenceville students told BuzzFeed that racial divides are pervasive. Many said they had been called racial epithets, ranging from “Negro amigo” to “n***er,” by white peers who didn’t understand “why they couldn’t say the word too.”
One student said she overheard her white male classmates call black students on an opposing basketball team “Trayvon,” after Trayvon Martin. Another pointed out anewspaper op-ed by a white student criticizing a Black History Month celebration for “descending” into a rap performance “crafted with too little, if any, subtlety.”
It frustrated Lawrenceville’s black students when other students called them “unfriendly” or even “reverse racist” for sticking together. “Sometimes it’s hard hanging out with upper-class white kids, because they say things that are hurtful and make us feel uncomfortable, and it’s nice to be around students I can relate to,” said Chris.
But minority students at Lawrenceville — where, according to both black and white students, Confederate flags still line many boarding houses — said the school still has a long way to go.
Source

White people. Go fuck yourselves.

white people calling her actions racist:
a: have no idea what the word means
b. have no idea how racist they are.

Maya Peterson for President 2040

thehurricaneseason:

dynastylnoire:

nexipsum:

postracialcomments:

elliehotchner:

thenigerianassassin:

snowbunnysampson:

postracialcomments:

First female black student-president at nation’s most expensive prep school is forced to resign after ‘offensive’ photographs of her mocking ‘typical white classmates’ emerge online

The former black student body president at a pricey New Jersey prep school was forced to resign from her leadership position earlier this year after she posted a series of photos on the Internet, in which she is seen dressed as what she describes to be the typical male, white student at the school.

In the photos, former Lawrenceville School Student Body President Maya Peterson is seen wearing L.L. Bean duck boots, a Yale University sweatshirt and is holding a hockey stick, which she says is representative of the typical ‘Lawrenceville boi.’

In addition to the photos, she added hashtags like ‘#romney2016,’ ‘#confederate,’ and ‘#peakedinhighschool.’


Peterson explains that the photos were meant as a joke in response to complaints made by students about her senior photos, in which she and 10 friends - all of whom were black - are seen raising their fists in a ‘Black Power’ salute. 

'I understand why I hurt people’s feelings, but I didn’t become president to make sure rich white guys had more representation on campus,' she told the website. 'Let’s be honest. They’re not the ones that feel uncomfortable here.'

Some of Peterson’s classmates, however, didn’t see the humor in her ‘racist’ photos.

'You’re the student body president, and you’re mocking and blatantly insulting a large group of the school’s male population,' one student commented on the photo.

Peterson’s response to the comment only made things worse.

'Yes, I am making a mockery of the right-wing, confederate-flag hanging, openly misogynistic Lawrentians,' Peterson responded. 'If that’s a large portion of the school’s male population, then I think the issue is not with my bringing attention to it in a lighthearted way, but rather why no one has brought attention to it before…'

Both students and faculty members felt the images were offensive, and that ‘it was not fitting of a student leader to make comments mocking members of the community,’ Dean of Students Nancy Thomas told the Lawrenceville student paper.

Peterson’s take on race has irritated her classmates in the past, as well.

In 2012, following the re-election of President Barack Obama, Peterson wrote on Facebook about how proud she was that an African-American was president - and threw in a sarcastic jab at white people.

'As a black and Latino, gay woman in the United States of America, today is a momentous day,' she wrote. 'I’m sorry to all the rich white men who have failed to elect a president that endorses their greed.'

Some of her classmates felt the Facebook post was racist.

'I’m gonna have to assume from your political beliefs and what you’ve said that you do not pay for your Lawrenceville tuition in its entirety,' one student wrote. 'But do you know who pays for that? Yeah, that would be all those greedy white men who actually worked for their fortune, not relied on the government to support them. Just saying.'

Peterson’s family paid full tuition at the school.

Peterson’s getting elected student body president worried many of her classmates, as they believed she was alienating a large portion of the student body with her controversial comments about white classmates

One former student said Peterson’s photos - and overall attitude, ‘violated the spirit of the Lawrenceville community.’

'It was hateful. It wasn’t inclusive,' the student, identified only as David, said. 'When I think of Maya Peterson, I don’t think of someone who is an avid proponent of progress or of inclusiveness. I think of someone who is hateful. She had a hateful spirit.



Source

Lord look at this madness

I SUPPORT MAYA PETERSON!!!!

I have never felt more love for someone that I have never met than I do for this young woman.  I thought she would apologize but in the boldness of her reasoning I saw no lies.

Maya Paterson for some public office in the future?  Presidency maybe..

Blackface African parties: Silence

Native American mocking parties-Silence

Urban Black culture mocking parties-Silence

Black woman with a hockey stick-OMG REVERSE RACISM!!!

I honestly believe she was making a point and their reaction made her point perfectly. 

I think she was exhibiting racism and bigotry and arrogance. And her reaction to her classmates’ responses proves their point, not the other way around. I don’t care if she’s black or gay; that shouldn’t allow her to get away with something like this. If it were reversed and a white student was mocking black people like this, that kid would have the wrath of hell heaped upon him/her. You are correct in saying there is no reverse racism, but what you fail to realize is that it is still racism no matter what ethnicity it is directed at.
Now I would like to clarify that when I said I didn’t care if she was black or gay, that doesn’t mean I hate blacks or gays. I was saying that her race and her sexual orientation should not dictate what she gets in trouble for. I strongly feel that Peterson was in the wrong here and she should take responsibility for her actions. And if this were reversed, my opinions and viewpoints would not change.

Oh really?

But minority students at Lawrenceville — where, according to both black and white students, Confederate flags still line many boarding houses — said the school still has a long way to go.

One freshman student from Shanghai, China, wrote in the Lawrenceville student paper this year that he was fooled by the “faux ‘diversity’” the school advertised.

Black Lawrenceville students told BuzzFeed that racial divides are pervasive. Many said they had been called racial epithets, ranging from “Negro amigo” to “n***er,” by white peers who didn’t understand “why they couldn’t say the word too.”

One student said she overheard her white male classmates call black students on an opposing basketball team “Trayvon,” after Trayvon Martin. Another pointed out anewspaper op-ed by a white student criticizing a Black History Month celebration for “descending” into a rap performance “crafted with too little, if any, subtlety.”

It frustrated Lawrenceville’s black students when other students called them “unfriendly” or even “reverse racist” for sticking together. “Sometimes it’s hard hanging out with upper-class white kids, because they say things that are hurtful and make us feel uncomfortable, and it’s nice to be around students I can relate to,” said Chris.

But minority students at Lawrenceville — where, according to both black and white students, Confederate flags still line many boarding houses — said the school still has a long way to go.

Source

White people. Go fuck yourselves.

white people calling her actions racist:

a: have no idea what the word means

b. have no idea how racist they are.

Maya Peterson for President 2040

1 week ago with 67,429 notes — via professorspork, © postracialcomments
#feminism #racism #I am not even a little bit surprised at the reactions unfortunately #sexism


Anonymous → What's wrong with sea world?

lexlifts:

adviceforvegans:

What isn’t wrong with SeaWorld? Here’s just a small portion of things:

-Mother and calf separation as young as 1 years old. (In the wild, they’re together for life.)

-Artificial insemination by physically jerking off the animals and using their hands to insert the sperm.

-Though they haven’t caught wild orcas in a long time, they fund it on the sly

-Food deprivation when VIP guests visit or if there’s to be an inspection. 

-Lack of regard for the safety of trainers.

-And orcas.

-And guests.

-Spending just 0.0001% of their profit on conservation but claiming they’re huge conservationists. 

-Misinforming the public and on occasion, actually lying to them. Particularly on the life expectancy of wild orcas. 

-Claiming they support educating people to care for the ocean during their orca shows but not putting any education into their shows what so ever.

-Claiming they always do rescue and release when 1. they have NEVER released an orca (because they’re the money making machines) but 2. they never follow up on the releases they have done so for all we know, they could all be dead. Part of a good rescue and release program is a check up at least a year later, to ensure that the animal survived. SeaWorld does not do that, and instead dumps the animal back into the ocean and claims this as “success”. The following quote about SeaWorld is pretty revealing about their attitudes regarding release:

"I worked at SeaWorld in San Diego. Had my season pass. My husband was a bait fisherman in SD. He and other commercial fisherman complained constantly that when Sea world rescued injured sea lions they would try to train them and if they were untrainable they would release them and the sea lion is half trained and not fearful of humans. These sea lions become a problem and as a result are killed by fisherman. I worked in the employee lounge at sea world and I heard trainers talk about the release of animals that they tried to train. I heard the concern for certain ones.I do not believe that SeaWorld should be allowed to capture and train any more whales and they should not be allowed to breed anymore.” - comment from Tonya Belden, worked at SeaWorld San Diego.

And another quote from this link:

"As for the rescue program…Some were saved and released, but if it didn’t bring in money, it was not considered valuable by the management.

We rescued a Risso’s dolphin in TX and worked day and night to bring that little guy (Turbo) up to healthy status. They moved her to the whale and dolphin stadium, gave her several types of psychotropic drugs, and she died within hours of receiving the drugs. The use of psychotropic drugs was NOT uncommon. When the Vet (Les Dalton) got the call saying she had died, his response was “Well, we got rid of that problem, didn’t we”.”

-Encouraging fishing tournaments despite the over fishing issue.

-Applying for permits to harvest sex organs from slaughtered dolphins

-They won’t hire ‘ugly’ trainers

-Claiming they don’t have enough money to retire their animals but the CEO threw himself a $3 million dollar birthday in his mansion that’s larger than all the SeaWorld orca tanks combined.

-Calling the diets of their orcas ‘restaurant quality’ when in reality, it doesn’t even match what they’d have eaten in the wild.

-They drug their animals.

-Dumping litres and litres of toxic chemicals into the ocean then having the audacity to say that they are all about saving it.

-Forcing orcas to get onto the ‘slide out’ (where they sit out of water and have their organs crushed under their vast weight). This includes heavily pregnant orcas. See ‘Gudrun' but if you want a more recent example, they’re still doing this to Kalia right now

-Inbreeding.

-Forcing infants to become pregnant.

-Overcrowded conditions. 
image
I could go on…

They basically live in swimming pools for crying out loud.

1 week ago with 8,139 notes — via professorspork, © adviceforvegans
#sea world #animal cruelty #:(