Forum Discussion
JRscooby
Nov 20, 2019Explorer II
westernrvparkowner wrote:
But a quick internet search found many apartments in Independence Missouri in the $600 a month range. A frugal single person can afford that on minimum wage. A couple where both are making even the minimum wage wouldn't even have to be frugal. Housing costs are not the cause of homelessness in your world.
I do not think housing prices in this area have outpaced inflation near as much as west coast.
Ok, what percentage of your income do you (or people in your income range. I don't know you, but if somebody is making house payments I figure they are renting from bank) spend for rent? In my court ordered personal money management class we where told it should not be over 30%. So that means a income of over $1800 a month, or 240 hours of minimum wage work. And the add the idea most employers in this area that pay minimum wage do not allow anybody to get close to 40 hours a week. And most minimum wage workers understand they are unlikely to work the same hours day to day let alone week to week. This makes it hard to take a 2nd job. ("Sorry, I can't work these hours, I have to work...)
Fact is over a decade ago, lots of people that had middle class jobs lost their jobs, houses etc. And at that time, a couple of graduating classes came into a labor market where jobs that paid enough to pay the loans where rare. Most of the people that lost the high paying jobs went back to work, but took a pay cut. So they are in lower priced housing, crowding out the lower income. This will be a issue for a generation.
True, I don't live in your world. In my world all the homeless are not college grads. The police are not lurking around every corner looking to violate my rights and steal my money. And the rich aren't out to get me, they just don't care about me one way or the other. However I understand that is how you see things in your world.
Are the worlds different? Not all homeless are collage grads, but unexpected decisions can cause homelessness. The wrong health insurance policy can put even somebody pretty well off into bankruptcy. That may not take your house, but if you get sick again before the time limit between bankruptcy?
The police? Under civil asset forfeiture rules you have to prove you did nothing wrong, not the "innocent until proven guilty" we were taught to expect. And a large percentage of the population do not know the laws are in force. Many when you try to explain ether start waving the Constitution saying it can't happen. Others say "good, crime did not pay" without understanding that if the criminal did not need to be convicted, then you would not need to be convicted to lose your stuff.
Rich don't care about me? Not as long as I pay my taxes, and can be manipulated into voting for the people that will keep them from paying theirs. Fact is class war has gone on since the start of capitalism, but for the last 40+ years the rich have been winning.
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