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Ask the Readers: "I'm Doing Well Financially But My Family Is Not"
Published on - May 16th, 2008 (by J.D. Roth)
Personal finance would be easy if it were only about the numbers. But it's not. Money management not only requires that we master our own whims and emotions, but that we navigate the sometimes rocky waters of our personal relationships. Rachel wrote looking for help with a stormy situation. What happens when you gain control of your finances but the people around you continue to struggle? Here's her story:
I'm having issues because I'm doing well financially and my family is not. Here is some background information: I am twenty years old and about to move out and live on my own for the first time. I live in California, but am moving to Maryland in three weeks. I am working three jobs to save money for the move, the third (and most lucrative) of which I acquired completely to put directly into my ING Direct savings account. (See? I do pay attention!) I also:
- Have about $1500 saved, and by the end of the next three weeks it will be about $3000.
- Filed my taxes on time.
- Pay my credit card off every month.
- Am planning to open a Roth IRA as soon as I have a little more for an emergency fund.
My mom, however, is drowning. My parents divorced a few years ago and were doing well financially when we sold our house. But somewhere along the way my dad developed a gambling habit and squandered all of his share of the money, and put himself into debt with the IRS. They started taking everything but what he needed for rent and basic necessities. They even took the money for child support because at that point the divorce was not finalized and they saw his child support as voluntary.
That's when my mom's debt started accumulating, and it's just been piling up ever since. She already owes me about $2000 from the past year or so, and every month she asks me to borrow some money for rent, but usually she gets a check from my dad right in the nick of time. I can't afford to lend her the money because it would put me behind in my goals, but at the same time she needs to support herself and my fourteen year old sister, and what am I supposed to do, let them just end up on the street?
She has exhausted every available resource she could possibly borrow money from, and is looking into declaring bankruptcy because her business is not generating enough income to make up for the small amount of child support she receives, and all of her debt. My dad gets paid slowly because he's working contractually for different companies as a software consultant, and as he's not on the regular payroll it can take weeks for the checks to come.
I don't know how to continue to grow as a financially stable person while knowing this is going on. I don't know how to keep myself from giving in to her need to borrow money — or should I? Which is more important, making sure my family has a home now or looking out for my retirement in 50 years? I'm just not experienced enough in the world to know how to handle this.
Some readers will say, "Give up and move on." Others will say, "Family comes first." But to me (and, apparently, to Rachel), it's not that easy. There's a balance to be found. But how? Where is that balance? It's a difficult question. As a reference point, I consulted my library of 141 personal finance books. Do you know how many discussed this issue? One.
On page 81 of Dave Ramsey's The Money Answer Book, he explores the question, "My parents are financially irresponsible. How can I help them? How can I forgive them for teaching me their bad habits?" His answer?
Most parents do not want their children's advice. It's just a fact of life. They do not want correction from their own children, especially if it's unsolicited. The best thing you can do to help your parents is give them your personal testimony, give them a resource like this book to start them thinking, and just keep the option open so that they can come to you if they want to.
What do you think? Have you faced a similar situation before? How did you handle it? What would do if your parents did have chronic money problems? Should Rachel move out and move on? Or is her obligation to her family?
Mini-rant: Did you see that stat? One out of 141 personal finance books in my office address this subject. That's the problem with mainstream personal finance education. It focuses on raw numbers to the exclusion of all else. And most of our financial problems come from that "all else".
This article is about Ask the Readers, Debt, Psychology, Real-Life, Relationships
That's a very very tough situation. It's especially made more tough when the family members in question are your parents.
I hope I'm never in such a situation (and I seriously can't see my mom or dad in such scenarios), but the question asked has no solid answer? Both are important. Your own future well being and your family's current well being should be equally important — at least, that's my opinion.
There's too many variable for Rachel's situation for me to give any worthwhile suggestions, but one thing I know for sure is that… if the father doesn't get any help with the gambling issue, and if there's no communication between Rachel and her mom about Rachel's financial concerns, then things will just keep going going out of control.
Is reconciliation possible with your parents? Could they be better together than apart? Obviously, I don't know your home situation. Divorce can be the destroyer of wealth.
For me, I'd generally only feel comfortable helping family (or friends) if they're already making the right financial decisions. Sometimes family may want or need help with medical bills, unexpected emergencies or in financing a home. If it's their poor decisions and lifestyle that are giving them financial problems, then I'd really hesitate to throw money at the problem. Throwing some additional money won't make the problem go away. In that case, I might offer some educational assistance, but not straight money, and even then, only if I knew the person would be open to hearing it.
Key point: this situation is not your mom's fault.
From what you've said, she is financially responsible, but didn't plan for a long-term emergency of this type. It's your dad who's made poor decisions, and your mom and the rest of your family shouldn't be lumped in with him.
To my mind, this doesn't count as "My family has made poor decisions and wants me to bail them out" so much as "My family is in trouble they didn't expect and didn't plan for, and they need my help." It wouldn't be any different if someone were sick, if the house had burned down, or if someone had stolen all the money from the bank.
That doesn't mean you have to give checks, though. If most of the time, your dad pulls through, one issue is your mother's financial anxiety. Work with her to help her live more frugally, and once you've done that, be her emergency fund. It sucks for everyone– you have to deal with family drama and family money, your mother has to tighten everyone's belt and is having trouble adjusting, your father has his gambling problems– but you do for family.
Michelle Singletary (personal finance columnist for the Washington Post) writes about these situations from time to time. Her advice would be for Rachel to figure out how much she can comfortably give her mother or father per month without putting her too far off her goals. Give that amount and no more and don't have any expectations of ever seeing it again. Be very clear that this is it. If it were me, I would try to get my father into Gambler's Anonymous and my mother into a legitimate credit counseling organization. It sounds like money alone will not solve their financial problems.
Here are some columns on the subject:
I feel for Rachel. I was in a similar situation years ago. What I learned is that people who have poor money habits (or people who don't find a way on their own) will not change until they either want to or have to. If Rachel continues to lend her mother money, her mother will never have the need to figure out how to make it on her own. It may sound harsh, but I find it interesting that Rachel is working three jobs — how many jobs is her mother working? It sounds as though her mother has had a difficult time, but many people have had difficulties and manage to do what is necessary to cope with their situations without sucking money away from their children who are just starting out.
Ultimately, I see no real benefit to Rachel's dumping more and more money into her mother's rent fund. Congratulations to Rachel, though, for getting her own financial house in order and for starting off on the right foot!
Regarding to mini rant: Sounds like a great book idea for you, J. D. Talk about an unfilled, but much needed niche!
Yup, telling parents what to do is not a good idea. Talking about what you do with them is fine and may plant the idea. Part of life is learning that you can't help people who don't want to be helped (or control people who don't want to be controlled).
The question is much more complicated than whether or not the parents are financially irresponsible, or just unlucky. Many, maybe most parents sacrifice savings, forgo luxuries, etc in order to provide for their kids. Private schools, hobbies, sacrificing to live in a better school district, all cost lots of money. Money that a rational analysis would certainly say belongs in savings. However, family isn't rational. It's quite possible that parents are at least partially under water financially because of the things they did to provide a good childhood. It's not as simple as coldly deciding that your parent's should have been putting 10% away every month. That's hard to do when they are paying $500 a month for ice skating, or a horse, or private school, or whatever.
The real world simply isn't that black and white. I'd agree that you definitely do not want to feed destructive personal behavior around gambling, drugs, etc. But uninformed decision making, or somebody that is the victim of a divorce or unexpected medical bills is a different issue.
Tough call. You can prepare for the future all you want and get smeared by a bus tomorrow. And all your storehouses are for naught. In the meantime, the woman who raised you and helped you to be the responsible young adult you are, is struggling. Sit with her and figure out what needs to be done. Is this a short term problem? Is she taking adequate care of your younger sister while she struggles with this?
I guess the best answer is, at the end of the day can you look at yourself in the mirror and be happy with the choice you made? If this were me, yes, I'd put my future on hold for a time and help out the woman who gave me life. At least until she can get a handle on her situation.
Whenever folks call in to the Dave Ramsey show with these types of questions, he tells them to read the book, "Boundaries: When to Say Yes, How to Say No" by Henry Cloud. It might be helpful in your situation.
I have to agree — from the sounds of this, it isn't his mother's fault.
You could offer to go through finances with her to see if you can figure out any ways for her to save. You could see if you can find them a more affordable place to live. You could stock her groceries — it would still cost you money, but, it doesn't translate to "money spigot" the same way as a check.
You should also see whether she qualifies for any assistance. And… at last resort, Chapter 11 sometimes is the way to go.
Figure out what you *can* do without damaging yourself. And take a good look at what "damaging" really means long and short term. If you're moving to a job with a better salary, it may be easier to "make up" the costs to you now.
I don't believe that you "always" help family, but, I can't see giving "tough love" when it's not the other person's fault. Sit down with your mother & sibling and see if you can find a way for the three of you to pitch in to help out for a while, and, know exactly what you can give. Mom might have to think about a new job or a second job. Or… sibling might think about a job (though at fourteen there aren't a lot of places willing to hire you). I've known people who started working at that age because of family financial problems.
See JD, there's the title of your book "Get Rich Slowly, It's not all about the numbers"
Great article. This lady is in a tough situation. I'm not sure how I would handle it, but I tend to lean toward the "leave people alone" strategy. Her Mom ultimately needs to learn how to support herself.
I can empathize with Rachel. I am a bit older than she but have several of the same elements in my story. My parents are still together but have spent a lifetime making poor financial decisions. What's worse is that they've passed their behavior on as "normal" to my younger siblings.
My 25 year old sisters have moved back in with them to help with bills. The really sad part is that they are living in a four bedroom rental that they've been in for almost 20 years. They could own it by now. I've encouraged them to downsize and apply some of the personal finance principals that I use, but as other posters have noted, giving financial advice to your parents is a difficult propisition. Kiyosaki is right about the need for families to discuss money in an open manner without shame or embarrassment.
My 22 year old brother was recently injured at college and I found out that he doesn't have insurance. When I asked why he was not participating in his School's insurance plan, I was told that my parents (who have no business paying for his expenses) could not afford the $125.00 per month insurance payment. I later found out that they're paying an allmost equal amount in fraternity dues for him.
I love my parents and hate to see them fail time and time again but the conversation turns ugly whenever the topic of finance comes up. I like DR's suggesstion that you give them your testimony and a copy of TMM or something similar and wish for the best. Do not jeopardize your financial well being for the sake of those that willingly jeopardize their own – even family.
Would her problems be solved by getting a job, moving to a smaller house, or even simply cutting unnecessary expenses? If the house won't sell, can she rent a room out?
Most likely some combination of those things would solve your mom's financial problems, although her standard of living might decline a bit (a common result of divorce, sadly).
I don't think you should sacrifice your plans just because your mom is going through a rough patch. It may sound cold but be realistic — you can't be a surrogate husband who provides financially for your mom forever. Significant changes need to be made, it's just a matter of when. In the meantime continue supporting her with what you can spare, i.e. your standard of living will also suffer. Cut unnecessary expenses, get a roommate, etc. That's the extent to which you should sacrifice, though — don't give up your career plans, education plans, OR financial security plans.
Too many things missing here about mom. How old is she? Is her rent reasonable? Does she have a job? The answers to these questions change whose "fault" it is.
It's a fine line between enabling a mooch and supporting someone in honest need.
There are a lot of variables to this. Is she already living frugally? Has she gotten a second job? Has she worked out a plan, even if it just means buying a Dave Ramsey or other type of financial book to start? If she's doing everything she possibly can and still can't make ends meet, maybe it is time to file bankruptcy.
If your mom is already doing all she can, maybe you should set aside a certain amount that you can comfortably give. Don't give it to her if she isn't in need, but if she comes to you about rent, that's what you can give. You'll need to find a balance between reaching your financial goals and helping out your mom, but I don't think you should do one and not the other…IF she's doing all she can right now.
It doesn't sound like the mom is financially irresponsible, it sounds like she is trying to recover from her former husband's gambling problems and the financial devastation of a divorce.
If I were the OP I would totally help the mom and sister (the sister clearly is not at fault in this situation) if I could. Now, the OP says she can't help her mom/sister and accomplish her own financial goals.
What I might do is start a mom/sister emergency ING fund and start putting money into the fund and if the mom is in a real crisis (i.e. going to become homeless or a medical emergency) I would dip into the fund and help out. If that emergency doesn't come up then the OP puts that money towards her own emergency fund or retirement. I wouldn't expect the mom to ever pay back the funds (if she does fabulous, but if you expect the loan to be repaid it will change the relationship). I would also send her Ramesy's TMM or another similar book.
I helped out my Mom when she was in a crunch with taxes/mortgage. I was just starting out in my job and had no money myself but I took a cash advance from a 0% credit card (yikes!) to help her. My mom never 'technically' paid me back but she had raised me, paid for college (along with Dad) and helped me with professional school costs. And since then she is now retired with no money worries. She also gave us money for our wedding and other large gifts. We never discussed the loan and I don't expect we will, our relationship is good. I'm glad I could help her at the time.
If you live at home, you need to help. However Mom needs a plan, because her situation isn't working and when you move you don't need to help. Although you may want to. To cite the author JD mentioned Dave Ramsey has a scale of baby steps, and helping others comes after your set up with your emergency fund and retirement.
If she doesn't have a way to make more, she needs to spend less. I suppose that means moving; maybe even low-income project since the divorce has changed her situation so badly.
There is no right or wrong answer to this. I was in this exact situation but even worse and for a much longer period of time (technically you could say I'm still in this situation).
I could tell you my story and will if requested, but in my shoes this started in my later years of college and still goes on til today (6 years). In my case, my father's ex-wife's refusal to pay child support and my father's exhaustion from money struggles for nearly a decade has had major effects. I've literally "lent" tens of thousands of dollars to my father that I have no expectation of ever seeing because of my two younger brothers.
In the end, you spare/share what you can but you should not stop working towards your goals to do so. Once you start sacrificing goals or important events in your life, you will start resenting your mother no matter what you think. I also agree with Dave Ramsey that people don't change and your parent(s) will not listen to financial advice from their children.
No matter what people think, there's always another resource or option a person can turn to. It's the limits a person puts on him or herself that prevents that person from reaching those resources.
I really feel for this person, it is such a difficult situation.
I also have to agree with JD on the personal finance books. Forever I was reading them but they did nothing for me because none addressed the emotional stuff like compulsive shopping, our culture of consumerism, etc. Personal finance blogs like this one have given me hope.
I agree with Ben, Jon, and others above. The problem seems to be the mother's anxiety. Monetary aid isn't the best solution. It seems like the mother is trying to hang on to a failing small business. One way to minimize anxiety is to search for a stable job and pursue frugal lifestyle change.
@ COD – If you're paying for ice-skating lessons or *a horse* for your child and then are in a position a few years later to consider bankruptcy, it's likely that "luck" didn't have much to do with things.
It sounds like your mother still keeps an eye on her finances, which is positive. I think you should keep the lines of communication open with her to make sure she is still getting along, but you shouldn't kill yourself to keep both yourself an another person afloat. Considering you're moving to Maryland, the $3000 saved is a good start but won't last long here. I moved to Baltimore metro about two years ago, and it took about 6 months to recover from those expenses (even with a better salary and a tight budget / savings plan).
Good luck with your family, but make sure you don't cripple yourself in a new / possibly more expensive environment.
A friend of mine, Tom, financially counseled a friend of his, Brian, personally for 18 months to help him get out of credit card debt. All money earned and spent went through Tom. Over the course of these 18 months Brian learned which of his spending was pointless and he's now paid off all his credit card debt.
I guess what I'm saying is, if your Mom is already borrowing from you, then I think you have license to ask her to let you partner with her in her finances. Chances are there are things that can be changed to help her lower her spending and get by on what she has.
Oy, what a tough question. I would recommend including a "help Mom" item in the budget and figuring out how much she can afford to give each month. The thing is, she doesn't necessarily have to give it – she can keep it in a savings account and let it build up. When/if Mom needs money, she raids that account. And if Mom gets to the point where she doesn't need the money, then Rachel can invest it. Adding this item to the budget may mean re-adjusting her personal goals, but at least this way it is predictable. Depending on how much Mom usually asks for and how much Rachel can set aside each month, she may want to "seed" the savings account so that the first request for money doesn't de-rail the plan.
You've got to look after yourself first. Period. Helping out someone who can't manage their money just ruins your financial security. They won't manage the money you give them any better than they managed money they sqaundered. The best thing you can do is take care of yourself, and if you do really well in the future, then you can help them out. Don't make them dependents because then they'll count on you. I've seen this happen in my family. It's not pretty.
Of course, if you have a close relative or friend who manages their money well but falls on hard times, by all means help them out as best as you can. With a gift of money, not a loan. Don't go there at all.
It sounds like this is largely not Mom's fault; Dad has left her in a bad spot. It may be she is not making the wisest money choices — if she was used to living well, she may be a hard time learning how to live within a much more limited income (I know — I grew up in an upper middle class family and took years to adjust to a lower income life). Just leaving Mom to deal with her financial problems seems a little harsh to me under the circumstances.
I would urge Rachel to ask herself the following questions:
– If I come from a religious background, what do my beliefs say about this situation?
– What is the most loving thing to do? Sometimes, the most loving thing is, indeed, to make someone deal with the consequences of bad choices. Sometimes, it is helping someone out.
– If my mother is generally trying to make good choices but not always succeeding, how can I help her make better choices? If I were trying but sometimes failing, how would I want her to treat me?
– Did my mother make sacrifices for me while I was growing up (at least one other person has mentioned this)? How can I repay her now?
– Do I buy into the American notion of everyone being independence, or will I choose interdependence instead (which is not the same as co-dependence)? If so, how can I live this out with my mother?
– What are my options, beyond just giving my mother money? Could she and my sister move across the country with me and share a home with me, with my mother contributing to the household expenses just as I would if I lived with her? Are there other ways I can help?
Hopefully these questions will help Rachel figure out some possible solutions to a tough problem.
It makes no sense for Rachel to try to bail debt out of her mother's sinking boat if the debt is coming in faster than what Rachel can afford to put in. That's just delaying the inevitable.
I think there's a middle ground between Rachel moving away and offering no assistance, and staying and putting all her money towards trying to save her mother's financial shipwreck.
I think the best thing for Rachel to do is to move out and get her emergency fund built up solidly. Moving out will probably reduce her mother's expenses, and will give Rachel a chance to get on sound financial footing. If Rachel is seriously worried that her mother and sister will end up on the street, then she shouldn't move to Maryland, but keep her current 3 jobs and move to someplace in the same city. Then if her mother and sister need a place to stay, she's got that covered. She can always help her family in non-monetary ways, but that becomes much harder to do if she's far away.
It makes no sense for Rachel to drown herself if she has no hope of saving her mother from impending crisis. Sure take a hit if it's going to fix things, but will it fix things?
Decide what you *can* afford. If that's $600/year or $6000/year, just know what that number is. Find some balance between meeting your goals maybe a little more slowly, but also understanding that you're better able to help them when your financial house is in order.
Once you've got that number, you've got a baseline beyond which you can tell your mom "I'm sorry, I just can't afford that".
Don't plan on ever getting paid back for any of the money you give your mom.
If you think she'd be receptive, give her a personal finance book focused on getting out of debt. It might be helpful if you bring it up saying you just found it, you really like it, and would like her opinion on the topics it discusses, or something like that.
It's definitely a tough situation, because, as others have said, you can't sacrifice your livelihood to support your family, but they're still your family.
Get your sister a personal finance book now, in hopes of helping her avoid learning the wrong lessons.
I would recommend the PF/etiquette book "Isn't It Their Turn To Pick Up the Check?" for help on this. For me, I don't know what to do- I am in situation that is quite similar, and I can't say I have a better answer.
I think the one thing that stuck out to me was that Mom has her own business, and Dad works non-regularly. I think the number one piece of financial advice I could offer is- get a "real" job, or at least a steady one- yes, it might be more fun to have your own business and be your own boss, but if you need money and are considering bankruptcy, it may be time to start filling out applications.
Also, are Mom and Dad actually divorced yet? A cheap divorce, followed by mandatory child support payments, might help. Maybe Rachel can help pay for the divorce?
It's perfectly reasonable for Mom to ask Rachel, at 20 & apparently not a student, to contribute to rent. I think she should write off the $2000 loan & tell her Mom to think of it as rent money — but also make it clear that there's no more where that $2K came from.
Then Rachel can focus on herself and, if she's able, her sister. Mom was divorced several years ago, not just a few weeks or months ago — the time of crisis is over, and it's time for her to take care of herself. (Yeah, Dad should make his support payments properly, but it's not Rachel's fault that he doesn't. That's between Mom & Dad.)
I know it's easier said that done to cut off family. But based on my experience with parents' financial struggles, band-aid loans and gifts don't change parents' habits, and they interfere with kids' attempts to establish new, better habits for themselves. By setting an example for her sister, Rachel may be able to break this generation of her family out of the cycle of month-to-month, paycheck-to-paycheck living — a far greater gift than a few dollars here and there.
I am sorry if I repeat something above for I did not completely read all of the comments. But from my experience, giving money to anyone in debt is the wrong thing to do. They have gotten into spending habits that need to be broken and if they have another source of income, well that's what you will become. I learned this from my mother, who raided my bank account. She quickly was taken off because I closed the account. Her spending habits never have changed and now she is living on a fixed government subsidized income in a decent housing project with no car and health issues that limit her mobility.
Individuals have to change their own spending habits, no matter how old they are. Just don't give them money, that doesn't give them the incentive to change anything.
If you're moving out of home, maybe your mother could move to a smaller place or else take a boarder into your old room. That could help with her finances.
Help your mother with the budget and talk to her about your concerns. Also talk to your dad and urge him to get help if he hasn't already.
Decide whether you feel more comfortable being an emergency fund when your mother needs to borrow money, or whether you would prefer to give a set amount each money that at least you can budget for.
Hopefully it's only for a couple of years until your sister is a little older.
You have my full sympathy. I also think it's ridiculous that the IRS could take child support money – something that is mandatory for him to pay (or at least it is in other countries). In most other western countries your mother would qualify for the single parent's pension (ie. welfare) – is that the case where you are? It sounds like it's much needed and a good use of taxpayers' money.
JD-Too many facts that aren't known. On the surface it sounds like the mom is semi responsible and the dad isn't. That being said, it isn't just the father that got them in trouble.
It sounds harsh, but you have to cut through the emotion before you can solve the problem or give advice. Listen to Dave Ramsey. What does he do?
-He empathizes (not sympathizes) with the caller. This helps him connect so they are willing to share. It also helps the caller to set aside the emotion and get to the problem.
-Once he has connected and gotten to fact, he begins to ask questions. He also questions their answers to get to the facts and the root cause.
-He only gives advice when he has all the facts.
Dave is an expert having done this for years. He has motivated callers who want him to help. We are in a different situation when it comes to family. First, we aren't nationally known experts. Second, not parent wants to share their financial problems. If they have to come to you they will tell you the minimum.
I have personal experience with this. Without going into details, the rest of my family is a financial wreck. None were open to discussing the problem or finding solutions. There came a point where I had to turn my back on the problem and walk away.
Rachel has to watch out for herself first. This isn't being greedy or selfish. It is the first step of financial health. If her parents are not willing to discuss the facts and look for a real solution…
Let me rewind a few years to 20, or even 19: I was working 50-70 hours a week at two jobs, had transferred from a college 1200 miles away to one that was within commuting distance of my mom's house, had moved back in to help my mom with the bills, and was doing all the grocery shopping. My mom had a low-paying ($35k/year) job and didn't know how to get anything better; her credit was still damaged from her ridiculous and protracted divorce six years prior, so all her debt was piling up at inflated interest rates.
I took what I now view as the bad road: an ever higher percentage of my earnings (it became 60+%) went toward stocking the fridge, keeping the lights on, covering my mom's medical expenses, etc. The rest went to my college expenses, and none of it was left for savings – the gaping financial hole in my mother's life swallowed anything I had left over (and I wasn't strong enough to resist her guilt trips and my own feelings of obligation). I sacrificed seven years of compounding (in the end, what I spent would be worth more than $80k today) while I tried to help my mother take a better path. I burned out completely after two years and moved back to an out-of-state college.
I had hoped to help her smooth over the rough patch, get her back on her feet, show her how to be more responsible with her money, and support her while she found a more lucrative job. Guess what? Almost 8 years later she STILL asks me for money, doesn't make more than $40k, and has gotten in and out of debt through credit cards and HELOCs more times than I care to recall.
It wasn't my mom's fault that her spousal/child support was a raw deal, and she really was left in the lurch when my father split. She's out of viable excuses now.
I feel bad, sometimes, that I have a positive net worth even with my student loans, and that I'm on target to retire early with more than enough cushion. I know my mother needs to retire and literally can't because she will lose her house. It's a strange and difficult situation that I deal with day by day.
If your mom learns money management, great! Don't get sucked into this spiral. Your mom could do the things you want to do – get a roommate, get another job, eat cheap food, put a freeze on non-essential expenses, etc. She has to see the truth of the situation and decide for herself to move forward. If she doesn't, well…I feel your pain. Good luck.
Not knowing the specifics your mom needs to look at the following: 1)Can she increase her income by finding a better job, instead of having her own business, 2) Get a second job to supplement the business, 3) lower expenses by moving to a cheaper area or cut back on things, or 4) move in with someone else to split expenses like a friend or someone else who might me be struggling.
Sounds like she should only be paying the basics now like rent, food, utilities, and care for her kids. No extra school costs or college, minimal on clothes for everyone. No eating out. The big change necessary is to increase income.
I am in her shoes also. My mom has been in financial difficulty as long as I can remember and I've given her tens of thousands of dollars up to this point (I'm in my late twenties). I see no end, but I am doing very well financially and I don't think I can ever say, 'it's your problem, not mine'. I now pay for her health insurance and one of her credit card debt. I have no idea what I am going to do when she retires. She could sell her house, but she would be losing so much money if she sells it at this time. The hardest part about this is not letting it strain your relationship with your mom. It's hard when I expect her to be my guardian – but I am trying to accept the shift in roles.
My 2 cents.
I believe Rachel has gotten the responsbility at very young age and I commend her for thinking about her family and at the same time being so practical. As other readers have already asked some of the questions like
1) does her mom work?
2) can her mom and sister move to Baltimore with her? ( since California is way too expensive)
3) Do they want the Dad in their future lives? (Sometimes, emotional stress of a bad relationship can bring you down, financially and emotionally)
I am not relationship expert, but one thing I believe in – FAMILY COMES FIRST. Money will come and go, but you have to put the family (or at least parents) before money. Your parents go through a lot to raise you, the least you can do is help them financially for few years.
If I was Rachel, I would move everybody to Baltimore, help mom find a job and live very frugally for next few years ( or at least until the younger sister turns 20).
You are just 20 (it's great that you are thinking of your retirement at VERY young age), however, waiting for 5 more years and helping your family will give you a sense of satisfaction that no money will ever be able to. Plus, good things happen to good people, so think positive!
Good luck Rachel.
Unfortunately I have had plenty of experience in this catigory. What I learned is that you don't give people cash or check. If they need food, go to Aldies or a discount store and buy the food. If they need to pay rent, make the check out to the person or company renting the house. I only make the payment or buy the food after they have agreed to sit down and make a plan to get themselves out of trouble. If they refuse, then they are just wanting a someone else to be responsible and are making excuses not to take responsibility for their own problems. If they refuse to figure out how to fix their problem, I will help them once,after that they are on their own.
You don't have to buy the Dave Ramsey book, the library will lend it to you for free along with other books and programs on CD. One other book that may help both of you is the Tightwad Gazette.
I do agree that you should help out a little since you life with your mother. But she shouldn't be dependent on you or your father for paying her bills. She needs to do that. Some people do not take responsibility for thier own finances until they absolutely have to and they emotionally hit bottom.
After my divorce I had money taken out of my ex-husbands check to help me pay for bills that he ran up. I began to panic when it came to the end of the checks. But after sitting down with a financial advisor, I realized that I was doing better than I thought and really didn't need that check anymore. I just became dependent on it and paniced. But when the checks stopped coming I found other ways to save money and finish paying off credit cards and loans without any problems.
You may just have to exercise some tough love. Your mother will find a way to survive when she is forces to. You are not responsible for your mother. Your mother is responsible for your mother. You can't force people to change, you can only change yourself.
Good Luck on your new job and your move. I hope your mother gets back on her feet soon.
One other finance book that does address this is Love and Money: A Life Guide to Financial Success by Jeff Opdyke. Having said that, it sounds like he completely comes from a different situation than your emailer does. Opdyke's parents have been consistently irresponsible throughout his whole life, and his response to bailing out parents is based on that.
You're only twenty. You probably are not as well off as you think. See how you're doing after you move out. Make sure your solid before helping anybody. Otherwise, two of you will be in trouble.
Love your blog, I check it two or three times a day.
My frustration with most personal finance books, guru's and advice givers is that compassion isn't in their vocabulary. Saving is vital, paying off debt is vital, but family and the needy are more important. Even Dave Ramsey, as great as he is, doesn't influence people enough to focus on those around them. This girl's situation is quite difficult, if she goes it'll break her own heart. If she stays, it'll be awesome to see her bless her mom, but really tough on her own psyche. It's shameful that personal finance experts influence people to be extremely selfish with their finances rather than to be giving people.
Nowhere did I read anything about how this young woman was paying her share of the expenses at home. Perhaps she just left that out, but it's been a big beef of mine when earning grown children expect their parents to pay all their expenses for them. It really steams me up and I see it all the time: selfish grown children who think everything is for them them them.
This young woman should be paying 1/3 the food bill, 1/3 the electric bill, 1/3 the cable bill, 1/3 the rent, 1/3 the insurance, 1/3 the heat… she talks about "loaning" money to her mother, but seriously, this shouldn't be a loan. From what I read, it doesn't sound like she's even carrying her OWN weight, let alone being forced to help carry the weight of the people who ought to mean the most to her.
I do not think it is this child's place to lecture her mother on how best to handle money, but I do think it's this child's place to pay her fair share at least. Doesn't matter what the father should or shouldn't do. This is a grown-up now, and she needs to step up to the plate and do what needs doing.
J.D. – So is that topic going to be in your book? That could be a great new direction and could fit really well if your book is based more on personal experiences and not just the numbers. I'm purely speculating here
How much is Rachel contributing on the rent front, in total? I don't think having to help with some of the shared living costs is too much to ask – if she's 20 and living at home, not going to school, working, how is living with her mom different than living anywhere else? I'm guessing she'll be paying rent when she moves to MD, right?
I second/third/whatever the commenters who asked why Mom isn't taking up a second job. The sister is 14 – can she be babysitting on the weekends for her own spending money? I do not agree, however, that Rachel should move the family to MD with her. She doesn't really have *that* much money to cover her own moving expenses, and her mother would probably resent the infantile treatment. It's not a simple solution either with Mom having a business of some sort and Little Sister in high school. Best of luck to her though.
In my culture, we would do absolutely anything for our families, even if they had made their own mistakes.
That being said, though Rachel is doing well for a 20-year old, she is not well off enough to support a family of 3. Loaning her mom money would only put Rachel in debt and delay – but not halt- the bankruptcy. (And the whole family might need the money in case of an emergency). Rachel needs to work with her mother to reduce costs or figure out how to increase her mother's income. Loaning the kind of money Rachel could afford would be like placing a small bandaid on a gushing wound. You have to watch out for your family, but you need to find a plan that has a chance of succeeding.
Hopefully the person writing is paying for room and board while living at home.
That said: Its worth noting that its not like the person writing in is really doing *that* well. Considering she's 20, she's doing well. But she doesn't have much of an emergency fund and is about to move out on her own. Its not like she has accumulated big savings.
Is Mom's income low because her business isn't doing well? If she could cover her bills by getting a "regular job", then Mom needs to do just that. End of story. (I have lots of respect for entrepreneurs and small business owners, but not when it means leaning on family to support yourself or your child.)
This is a BIG issue in my family. I'm 26. My older sister is 34. My little sister is 22. Our parents are pretty much broke. My little sister *finally* after so many months and years of being a financial strain on the entire family, has found a full time job and kept it.
My older sister caves in a lot when the family needs money — she earns the most and is doing pretty well. After a few years of bad financial decisions, I'm finally doing well also (paid off CCs, got some savings, opened a Roth IRA, etc).
I used to be willing to give money to my little sister when she needed it for emergencies, but the problem was that every couple weeks, another emergency would come up. Finally I said, look, either get on a budget and stick to it (and I'll help!) or I'm not giving you any more money. Well we made up a budget for her, but she did not stick to it. So I cut the purse strings. I started paying the phone bill for my mother instead (I'm on her family plan) and said mom, you deal with it. The money is going to you instead. So I shifted the burden. If my parents really wanted to fix the situation, they'd put their foot down with my little sister. (They never did.)
Fortunately, she finally found a job before everyone hit rock bottom. I still give her money to help pay for her medications (no health insurance yet), but now that she has a steady income I'm asking her to pay me back.
My parents are still poor, but they have their own life decisions to make, and I'm trying to do my best to establish a decent lifestyle for myself so that I'm never a burden on them or society in general. And that's what it comes down to.
Figure out where your values lie and draw up the boundaries. You've gotta take care of yourself first.
It sounds like this family is trying to do things on their own, and should be finding out what the community offers — there may be a state program to ensure that the child care comes through, and with a 14 year old in the home, there are probably some other social programs to help her. Often, it is hard for people to let the rest of the world know that things aren't working, but R's mother should be talking with her church if she has one, with her local authorities and so on, not just depending on family members who are not in a good position to help.
Wow. My comment probably won't even be seen in this sea of responses!
Anyway, I think children have an obligation to their parents and immediate family members, just as their parents had an obligation to the child. Just as the parents shouldn't allow a child to starve or do without, just because it would get in the way of the parent's personal financial goals, so the child should not treat a parent that way.
Now, if the parent were getting herself into this mess, or if she were refusing to do things to make her situation better, then I can understand withholding financial assistance to a certain extent. (But not to the extent that her mother becomes homeless, or she'll have bigger problems than a mom who asks for help with the rent from time to time!)
Parents often give up an enormous amount to raise a child. It seems inconceivable to me that the child should be unwilling to help the parent out later because it will interfere with her financial goals. Note that it's not because she'd be doing without food or shelter, but because it would interfere with her goals. I'm flabbergasted.
Having said that, the mother should get a real job that pays a steady income, possibly get a roommate, sell things she doesn't need, and do whatever else she can to help herself. Maybe the daughter can sit down with her mom and say, "You need to do a, b, and c, and then I will do x, y, and z to help you." It shouldn't be all one-sided (if that's the case).


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A bit about our values and DNA as a church.
A new church that is committed to journey with God's Spirit into all he has for us and the Fallowfield community.
Find out who is who at Ivy Fallowfield.
Ivy has had a history of reaching students for years. Fallowfield is one of the areas where thousands of students live.
Everyone is welcome to experience worship at Ivy Fallowfield.
We believe that Jesus is more than just the greatest historical figure.
We are now podcasting audio programs regularly on the latest sermons and teaching from Fallowfield.
We believe the church is a spiritual family that shares life together with Jesus at the centre.
We have regular prayer meetings focused on intereceding for the church, fallowfield and beyond.
Central to being a church and being a spiritual family is serving one another.
At Ivy Fallowfield, we want everyone to feel welcome, whether you're a regular or you've never been to church in your life.
CAP is a national debt counselling charity with a network of 190 centres based in local churches.
The Message, N-GAGE, Besom, Redeeming Our Communities, and more..
Part of the Ivy Manchester 'umbrella' challenging urban areas and sharing God's life-changing love.
As a new church plant of Ivy Manchester we welcome students.
Our main service is Ivy Kingsway which meets in a Cinema at the Parrs Wood complex.
We meet at the original Ivy Church Centre which we are proud to have outgrown and still meet in the evening.
Ivy Fallowfield meets in a Pub with a great atmosphere and familiar surroundings.
Ivy Sharston meets in a brand new warehouse venue on Sharston Industrial Estate, south Manchester.
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Cantilupe SurgeryTel: 01432 268031
Hampton Dene SurgeryTel: 01432 264016
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Call or Ask at Reception
Out of HoursThe practice is covered by an out of hours service (Primecare) which deals with the entire out of hours medical care. To contact this service directly please call 111Appointments 70% of all GP appointments can be booked up to 4 weeks in advance. The remaining 30% of GP appointments become available at 8am each day. To book these appointments, please telephone on the day that you wish to be seen as near to 8am as you can
On a Monday evening we offer appointments with a Practice Nurse, Nurse Consultant and a GP from 6.30-7.30 - please see reception to book
ON-LINE BOOKING - you need to register (ask at reception) and then you can book up to 14 days in advance subject to availability
Walk in Surgery Held at Hampton Dene Surgery - every weekday 9am-10.30am for minor illness or a single new problem - no appointment necessary
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GREEN BAY, WI (WTAQ) - Folks in northwest Wisconsin will get relief Thursday night from a heat wave that's been around since last weekend.
The rest of us, though, will have to wait until Friday night for things to cool down.
The National Weather Service says a cold front will arrive Thursday evening in northwest Wisconsin, and will sweep southward across the state Friday.
Until then, afternoon highs in the 90's and heat indices in the 100's will continue to be the norm.
Boscobel in Grant County had the week's highest heat index Wednesday at 109.
Green Bay set a new record Wednesday for the warmest overnight low for the date at 75. Milwaukee and Wausau tied similar records.
Madison had just under an inch of rain in a half-hour late Wednesday afternoon.
Spotty thunderstorms are in the forecast statewide for Thursday.
Rusty Kapela of the Weather Service calls this a normal summer heat wave – nothing like the gripping heat of a year ago, when it was in the 90's for over 20 days. Still, officials say folks should not brush this off.
Milwaukee officials urge people to check on neighbors who are elderly or live alone – don't leave kids and pets alone in a hot car – and find public places to cool down if necessary.
Heat advisories continue until 9 p.m. Thursday in northwest Wisconsin, until 5 p.m. Friday in central and northeast areas, and until 7 p.m. Friday in the rest of the state.


text:
Preco's laser heat-treating systems are designed to utilize precise laser technology to heat-treat localized areas of metal components without altering the properties of the entire workpiece. According to the company, the active process control provides real-time thermal feedback and guarantees the proper temperature to avoid damaged parts and accommodate variations in materials from lot to lot. The systems accept Nd:YAG, CO2, UV and fiber lasers. They are designed for the automotive, heavy equipment, aerospace and general industrial manufacturing industries.
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text:
In Development: The Seed Pod by Aaron Colfer
The Seed Pod, designed by Bristol-based student Aaron Colfer, allows anyone to save and store seeds they collect from the plants they grow. The product is based on the industrial-level technology used at The Millenium Seed Bank, but here it's been simplified for consumer use...
As Mr. Colfer says in the UWE Bristol:
In order that seeds will germinate it is critical that once collected they are cleaned, dried and stored carefully. Stuffing seeds into an envelope and storing in a garden shed in often damp conditions will risk a seed failing to germinate but many gardeners derive enormous pleasure from saving and sharing seeds.
Working with Robin Probert, who heads up seed conservation and technology at Kew Gardens Kew's Millennium Seed Bank, I have come up with a way of improving a seed collection kit that they had devised. My Seed Pod design is compact enough to store in the fridge, it weighs next to nothing and can be offered to the market at a low cost.
The Seed Pod prototype is made from co polyester, which apparently has great thermal properties. It also features:
- An indicator sachet that turns orange when the seeds are dry enough to store in the fridge
- A built-in lens to make it easy to view the seeds indicator
- A stackable design
Mr. Colfer hopes to put the Seed Pod into production after he graduates.
3 Comments
If this ever went into production I would definitely buy a bunch for my dad. :)
Ummm...I just let them dry on a shelf until the seeds fall naturally from the pod/stem/whatever and then put them in a paper envelope. All my seeds sprout every year. I don't understand why we need more petroleum-based consumer goods. A post educating readers about how to properly collect and store seeds would have been far more beneficial to the planet, although young Mr. Colfer might have to delay the purchase of his first BMW.
@meirad: I would personally supply you with as many free recycled envelopes as you need for the seed bank if you would forego this plastic landfill bait.


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Blaine Coast Guard a wealth of resources
By Jack Kintner
You're out on the water in your boat and you suddenly find yourself in trouble.
Perhaps you ran out of gas or you've run aground, a passenger is having a medical emergency, some vital part of your boat has broken or you've sprung a leak. Who do you call and what happens?
"If it's dire, a life-threatening emergency, you put out a May Day on channel 16," said Commander Davis Bogue of Flotilla 19 of the U.S. Coast Guard Auxiliary based in Blaine, "but most difficulties fall short of that, and there are other ways to get help."
Marine VHF radios have buttons that will quickly switch to channel 16 for exactly that reason. Bogue said that one of the things that can happen, however, is that a call put out over channel 16 is public, and may draw the attention of commercial salvage operators.
"One thing to keep in mind is that while commercial towing vessels can help you out, for a price, once they've been engaged the Coast Guard is not allowed to interfere with a commercial operation," Bogue said, "although you may, of course, as the vessel owner refuse their assistance."
Bogue also said that a good alternative is to call Coast Guard Station Bellingham at 360/734-1692. "They're manned 24/7, and can dispatch the appropriate equipment to deal with the situation."
That could be anything from a helicopter from Coast Guard Station Port Angeles for a life-threatening medical emergency to a team of local auxiliary members operating one of ten facilities, or watercraft, that have been inspected and are approved to operate under Coast Guard supervision.
These are not Sunday sailors. Most of the roughly 60 members of the local auxiliary are highly experienced sailors or power boaters, and all who participate in such missions have been thoroughly trained to exacting Coast Guard standards.
Bogue himself has over 40 years in the Coast Guard both on active duty and in the reserve, mostly out of Sacramento, California. Though the auxiliary welcomes anyone, experienced or not, who wishes to apply for membership, the weekend patrols out of Blaine in the summer and training missions in the fall, winter and spring puts a lot of highly experienced eyes and ears out on the water ready to respond.
Every mission is required to be in frequent contact with the local Coast Guard Station Bellingham with no more than 30 minutes between check-ins.
Bogue was careful to emphasize the importance of training, not only for members but also for boat owners.
"Since 9/11 the auxiliary's primary mission has been public safety and information classes," he said, holding up a copy of a thick training manual called Boating Skills and Seamanship. "If you just want to get the state-required boater's card, there are a lot of places with one-day classes that will do that. But we advocate taking our eight-week course, which is two hours one evening per week.
"I've never had anyone take it who hasn't come back to tell us they learned something that made the $40 fee for the book worth it."
Bogue said the next class will be announced later in the summer.
Aside from training and operating its own member's facilities on patrol, the auxiliary also offers vessel inspections and safety checks, currently under the leadership of Lyle Schrag.
Depending on the size of the vessel, federal regulations require certain equipment to be on board and in good working order, and the auxiliary can help you make sure you'll pass if you are ever boarded for a random inspection at sea.
Bogue said that they plan to have a Flotilla 19 barbecue as a part of Drayton Harbor Days on August 2, "to pump up interest. We'll have a Search and Rescue (SAR) competition and have invited the helicopter from Port Angeles and the hovercraft from the Canadian Coast Guard, both of them capable of impressive displays."
Bogue and his wife own and operate a 48-year-old steel-hulled 35-foot Dupont Cruiser they call SAR Trek. For more information call Bogue at 206/371-5526.


text:
From Proteopedia
|1s2y, resolution 2.12Å ()
|Non-Standard Residues:
|MAOB (Homo sapiens)
|Monoamine oxidase, with EC number 188.8.131.52
|1s2q, 1s3b, 1s3e
|FirstGlance, OCA, PDBsum, RCSB
|save as pdb, mmCIF, xml
Crystal structure of MAOB in complex with N-propargyl-1(S)-aminoindan
Monoamine oxidase B (MAO B) is an outer mitochondrial membrane enzyme that catalyzes the oxidation of arylalkylamine neurotransmitters. The crystal structures of MAO B in complex with four of the N-propargylaminoindan class of MAO covalent inhibitors (rasagiline, N-propargyl-1(S)-aminoindan, 6-hydroxy-N-propargyl-1(R)-aminoindan, and N-methyl-N-propargyl-1(R)-aminoindan) have been determined at a resolution of better than 2.1 A. Rasagiline, 6-hydroxy-N-propargyl-1(R)-aminoindan, and N-methyl-N-propargyl-1(R)-aminoindan adopt essentially the same conformation with the extended propargyl chain covalently bound to the flavin and the indan ring located in the rear of the substrate cavity. N-Propargyl-1(S)-aminoindan binds with the indan ring in a flipped conformation with respect to the other inhibitors, which causes a slight movement of the Tyr326 side chain. Four ordered water molecules are an integral part of the active site and establish H-bond interactions to the inhibitor atoms. These structural studies may guide future drug design to improve selectivity and efficacy by introducing appropriate substituents on the rasagiline molecular scaffold.
Crystal structures of monoamine oxidase B in complex with four inhibitors of the N-propargylaminoindan class., Binda C, Hubalek F, Li M, Herzig Y, Sterling J, Edmondson DE, Mattevi A, J Med Chem. 2004 Mar 25;47(7):1767-74. PMID:15027868
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine.
About this Structure
1s2y is a 2 chain structure with sequence from Homo sapiens. Full crystallographic information is available from OCA.
See Also
- Binda C, Hubalek F, Li M, Herzig Y, Sterling J, Edmondson DE, Mattevi A. Crystal structures of monoamine oxidase B in complex with four inhibitors of the N-propargylaminoindan class. J Med Chem. 2004 Mar 25;47(7):1767-74. PMID:15027868 doi:10.1021/jm031087c


text:
McDonald-Brown, Linda
Adult Nonfiction SF395 .M33 2009
Summary: Everything you need to know about small-scale pig keeping, either for food or as a pet. Backyard pig keeping is growing in popularity, both as a food source, as demonstrated by celebrity chef Gordon Ramsay, and as pets. Pigs are easy to rear, breed and feed, and they are hardy and adaptable animals that help clear ground, recycle waste and fertilize soils. This practical and accessible guide is the ideal beginner's handbook and includes expert advice on: How to choose and purchase a quality animal and how to help preserve rare breeds Equipment, housing and fencing Moving and handling Feeding, nutrition and pasture Pig health care and common diseases Selecting a boar or sow for breeding, hogging, farrowing, taking care of piglets and pedigree breeding Preparing for slaughter, butchering and subsequent storage Showing pigs in competitions. Choosing and Keeping Pigs also includes a history of pig keeping and a comprehensive directory of 30 traditional and rare breeds. This unique reference provides all the information a pig keeper requires.
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text: Home / Products / Chandelier 9Lt OZ Larger View Choose background color Rollover to Zoom Close Visualize Kichler lighting and Sherwin-Williams paint all in one tool. Today's homeowners have seemingly unlimited options when it comes to colors and finishes. With so many possibilities it can be daunting to find just the right match. Not any more. Match your lighting and your wall color with our intuitive visualization tools. Choose your Sherwin-Williams Color Family Color palette belongs to Sherwin-Williams, a registered trademark of the Sherwin-Williams Company. © 2013 Sherwin-Williams Company. All rights reserved. Other Kichler Products Products in the same collection 42762AP42762OZ42767AP42767OZ Chatham CollectionChandelier 9Lt OZ 42762OZ (Olde Bronze) Product Description: This 9 light chandelier from the Chatham™ collection is the essence of traditional style. The arms classically drape from the center, while the saucer shaped shades adds a unique retro twist. Chic and sophisticated all around with an Olde Bronze finish, this piece creates interest from every direction. Available Finishes Shop, Buy or Order Locally You'll find a wide selection of Kichler productsat these fine showrooms. Submit Sells Kichler Landscape products. Sells decorative indoor and outdoor Kichler products. Find an Authorized Online DealerAvailable online at these fine retailers! Technical Information Lamp Included:IncludedWeight:26.35LBSLead Wire Length:67"Glass Description:SATIN ETCHED CASED OPALSafety Rated:DryBase Backplate:5.98 DIADual Mount:NoLight Source:HalogenNumber of Bulbs:9Lamp Type:G9Max Watt:350Width:38"Height:26.5"Collection:Chatham CollectionFinish:Olde Bronze Related Documents:High Res Images 42762Download


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The ratings for Rush Limbaugh's radio show have dropped significantly in key markets since he attacked Georgetown law student Sandra Fluke as a "prostitute" and a "slut" after she spoke out in favor of the Obama administration's contraception rule requiring coverage at no additional cost. Despite claiming in March that his ratings were up 60 percent, Limbaugh's numbers have fallen 27 percent in the 25-54 demographic in New York City, 31 percent in Houston-Galveston, 40 percent in Seattle-Tacoma, and 35 percent in Jacksonville, Politico reports. The numbers come from a selection of the March 29 to April 25 Arbitron ratings.
Limbaugh Sees Ratings Dip Following Attacks On Sandra Fluke
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Welcome to my store site!
After owning a retail store for 23 years, I had one problem: I couldn't keep stock in the store. It kept selling! Customers would visit the store and the average items with SOLD signs on them would be around 15... So something just had to be done.
I came up with the idea of moving my store location and opening up a "warehouse" type location. I decided to have "events/sales". I also wanted to cut back on my hours to free myself from the daily work load and be able to stay home and "sip" some tea if I so desired!
I'm open on occasion during the week, and will post each day I'm open on this page (always look at the phone booth sign). Events/sales will be posted on the
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I love my customers like they are family and friends. I hope to see you soon!
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Endogenous Inequality in Integrated Labor Markets with Two-Sided Search
AbstractWe consider a market with "red" and "green" workers, where labels are payoff irrelevant. Workers may acquire skills. Skilled workers search for vacancies, while firms search for workers. A unique symmetric equilibrium exists in which color is irrelevant. There are also asymmetric equilibria in which firms search only for green workers, more green than red workers acquire skills, skilled green workers receive higher wages, and the unemployment rate is higher among skilled red workers. Discrimination between ex ante identical individuals arises in equilibrium, and yet firms have perfect information about their workers, and strictly prefer to hire minority workers.
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Volume (Year): 90 (2000)
Issue (Month): 1 (March)
Pages: 46-72
Note: DOI: 10.1257/aer.90.1.46
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- George J. Mailath & Larry Samuelson & Avner Shaked, . ""Endogenous Inequality in Integrated Labor Markets with Two-sided Search''," CARESS Working Papres, University of Pennsylvania Center for Analytic Research and Economics in the Social Sciences 98-06, University of Pennsylvania Center for Analytic Research and Economics in the Social Sciences.
- George J. Mailath & Larry Samuelson & Avner Shaked, . "Endogenous Inequality in Integrated Labor Markets with Two-sided Search," Penn CARESS Working Papers, Penn Economics Department 90ff654ed11b714e3f7530c57, Penn Economics Department.
- J41 - Labor and Demographic Economics - - Particular Labor Markets - - - Labor Contracts
- J71 - Labor and Demographic Economics - - Labor Discrimination - - - Hiring and Firing
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- Coles, Melvyn G & Smith, Eric, 1996.
"Cross-Section Estimation of the Matching Function: Evidence from England and Wales,"
Economica, London School of Economics and Political Science,
London School of Economics and Political Science, vol. 63(252), pages 589-97, November.
- Coles, Melvyn G & Smith, Eric, 1994. "Cross-Section Estimation of the Matching Function: Evidence from England and Wales," CEPR Discussion Papers, C.E.P.R. Discussion Papers 966, C.E.P.R. Discussion Papers.
- P. Diamond, 1980.
"Aggregate Demand Management in Search Equilibrium,"
Working papers
268, Massachusetts Institute of Technology (MIT), Department of Economics.
- Diamond, Peter A, 1982. "Aggregate Demand Management in Search Equilibrium," Journal of Political Economy, University of Chicago Press, University of Chicago Press, vol. 90(5), pages 881-94, October.
- Coate, S. & Loury, G.C., 1992.
"Will Affirmative Action Policies Eliminate Negative Stereotypes?,"
Papers, Boston University - Department of Economics
3, Boston University - Department of Economics.
- Coate, Stephen & Loury, Glenn C, 1993. "Will Affirmative-Action Policies Eliminate Negative Stereotypes?," American Economic Review, American Economic Association, American Economic Association, vol. 83(5), pages 1220-40, December.
- Broersma, Lourens & Van Ours, Jan C., 1999. "Job searchers, job matches and the elasticity of matching," Labour Economics, Elsevier, vol. 6(1), pages 77-93, March.
- Oliver Jean Blanchard & Peter Diamond, 1989. "The Beveridge Curve," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 20(1), pages 1-76.
- Ours, J.C. van & Broersma, L., 1999. "Job searchers, job matches and the elasticity of matching," Open Access publications from Tilburg University urn:nbn:nl:ui:12-80319, Tilburg University.
- repec:fth:prinin:353 is not listed on IDEAS
- Cornell, Bradford & Welch, Ivo, 1996. "Culture, Information, and Screening Discrimination," Journal of Political Economy, University of Chicago Press, University of Chicago Press, vol. 104(3), pages 542-71, June.
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Convert all formats of videos for all devices in an easy and fast manner.
While local storage fans will like Oplink's "Cloud-free" approach, its comparatively low-resolution cameras and high monthly fees make it tough to recommend.
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Diptic Video creates an easy way to gather your videos and photos into a collage, but is probably geared more toward specific creative types who want to try something new with their media.
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Samsung's Video Discovery app is like an uber version of its Smart Remote app, with a much more powerful and useful search feature.
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TiltShift Video is a great option for giving your photos and videos that miniaturized effect, but adds more work than necessary without key features.
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The SwannSecure WiFi security cam boasts accessibility, but an unnecessary tablet accessory makes the package overpriced.
Lean on features with merely OK video and a design that isn't for everyone, the best part about the Cyclops Gear CGLife 2 HD video glasses is their simplicity.
The sci-fi shooter isn't close to selling as fast as titles from existing franchises like Grand Theft Auto, but for a nonsequel, it's humming right along.
Game maker 6waves will close down two of its games, Farm Epic and Treasure Epic, and make a payment to King.
The viral hit game now lets you cause caprid chaos wherever you go -- or rather, wherever you goat.
Commentary: You need to understand a child's innocent passion for Minecraft to know why today's news had such a deep impact across the globe.


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Massachusetts Farmer's Markets Are Open!
New Englanders, we can finally stop ogling the produce from the rest of the country and start enjoying our own!
After all the talk on this site these past few weeks, we're hoping to score some ramps and fiddlehead ferns later this afternoon. We'll also be picking up some seedlings to round out our container garden.
What do you have your sights set on?!
Click through for a round-up of area markets and dates...
Opening Today:
Most markets in Western and Central Massachusetts
Boston Copley Square
Between Boylston Street and St. James Street by the Boston Public Library
Tuesdays and Fridays
Opening 5/28:
Boston City Hall
City Hall Plaza, Government Center
Mondays and Wednesdays
Davis Square
South End Open Market
Parking Lot at 540 Harrison Ave. & Waltham St.
Opening in June:
Parking Lot at North Harvard St and Western Ave
Russell Common Parking Lot in Arlington Center
Belmont Center Municipal Parking Lot, Cross Street and Channing Road
Centre St. West Parking Lot (near Coolidge Corner)
Cambridge-Central Square
Parking Lot at Bishop Allen Dr. & Norfolk St., behind the Harvest Co-op
Jamaica Plain
Bank of America Parking Lot, Centre St.
Tuesdays and Saturdays
For a full listing of area markets, visit the Mass Farmer's Markets website.
Related: Boston-Area Farmshares and CSAs
(Image: Flickr member ameglis licensed under Creative Commons)
3 Comments
The Portsmouth, NH market opened May 3rd. The other NH seacoast markets (Dover, Durham, Exeter, Kingston, Hampton) open the first week of June.
I miss the farmers market across from South Station. That was pretty darn convenient ... for customers. Apparently it was very INconvenient for the vendors.
Ah well. City Hall and Copley Square, here I come!
Can't wait for Central Square... We just started getting the Boston Organics biweekly box, but need to round it out sometimes. There's only so much I can do with cucumbers and pears.


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On a fairly straightforward course that offers few real difficulties, look for Switzerland's Fabian Cancellara and Germany's Tony Martin to battle for the title. A four-time world champ and the 2008 Olympic champion in the discipline, Cancellara is the odds-on favorite to win his fifth rainbow skinsuit. That said, Tony Martin has been progressing steadily. He beat Cancellara to win long individual time trials at this year's Tour de France and Tour of Spain, and is clearly enjoying the form of his life. British riders Bradley Wiggins and David Millar will attempt to spoil the party—as will North Americans Svein Tuft from Canada and the young American Taylor Phinney; but expect to see Cancellara and Martin on the top steps of the podium.
Men to Watch: Fabian Cancellara, Tony Martin, Bradley Wiggins, David Millar, Svein Tuft, Taylor Phinney, Lars Boom


text:
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Up to
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Fully checked, factory-covered and ready for more adventures.
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The Archway of Antlers
Upon arrival at the Jackson Airport, I felt it – that moment I was waiting for: Everything I had heard about how cool this place was literally stared me in the face. The Tetons on all sides, the airport the size of a convenience store, and the unforgettable Archway of Antlers that greets you as you get off the plane – it was all happening.
I was stoked! I had three days in this winter paradise.
Big Red and Other Jackson Hole Adventures
Explore Backcountry
Go backcountry if you can. This often is easier said than done, and it's only recommended for those who have training and experience. But if you're up for the challenge and you have the proper equipment (including a guide), try to make it happen. Nestled in the Teton mountains, Jackson Hole Mountain Resort and the surrounding area offer some of the country's most amazing backcountry terrain. Expect to find astounding cliff drops, untouched snow-covered glades, and breathtaking 360-degree views of the Tetons.
Big Red
Without a doubt, the first thing any Jackson Hole newcomer should do is to take the tram at Jackson Hole Mountain Resort. I caught the early morning tram rides on "Big Red" with the Jackson Hole Mountain Resort ski patrol. Riding the tram was always on my bucket list, so those early morning rides in search of "white gold" were certainly a treat for the soul.
Riding Big Red to the peak is steady (enough) and exciting. As you climb higher and higher, the views become more and more breathtaking. Be sure to post up near a window so you can absorb it all: Rising 4,139 vertical feet to the top of Rendezvous Mountain in 15 minutes, you can see the Snake River valley, Grand Teton National Park, and the Gros Ventre Range.
Near the top, you might catch someone dropping into the famous expert ski run Corbet's Couloir from your bird's-eye view!
The Mangy Moose
This iconic bar and restaurant at the base of the mountain is all about good times. After a long day on the slopes, there's nothing like kicking back and relaxing in the sunshine at the Moose. The outdoor deck is sunny and inviting, and you can't go wrong with the Snake River Lager (a local favorite).
Eat at Couloir
Jackson Hole Mountain Resort Executive Chef Wes Hamilton (aka Chef Wes) has developed a delicious, ever-changing seasonal menu at this eco-friendly restaurant. This place is unreal, seriously. Take the Bridger Gondola to the top, get a table by the window, and bask in all the glory that is Couloir.
Couloir is a proud member of 1% for the Planet, an organization that raises funds for environmental work. More than 82 percent of Couloir's food is locally and regionally sourced from farms and ranches within a 250-mile radius. My favorites were the confit duck wings and Jojo's poutine.
Epic Trip
If you've ever wanted to visit Jackson Hole, I can tell you this: The place has everything you would need to get some R & R in an adventure paradise. Also expect to be able to experience world-class skiing, biking, climbing, kayaking, hiking, and almost every other adventure an outdoor enthusiast can imagine. Add to that an environmentally conscious way of living and doing business plus a town full of folks with a never-ending adventurous spirit, and you have the perfect mixture for countless epic experiences.
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text:
BATON ROUGE, La. (AP) — The 2014 outlook for the Baton Rouge real estate market is largely positive, thanks to the thousands of new jobs that are projected to come to the area and an improving national economy.
Tom Cook, an appraiser with Cook, Moore & Associates, tells The Advocate (http://bit.ly/1qER39L ) the residential market is on fire.
There were 8,870 home sales in the eight-parish Greater Baton Rouge Multiple Listing Service for the 12-month period ending in February. That's a 15.3 percent increase over sales for a similar period ending in February 2013.
In East Baton Rouge, Ascension and Livingston parishes, Cook says there's a 90-day market going on, referring to the average number of days a home is on the market.
Cook says the biggest problem homebuilders are facing are delays in getting permits.
Information from: The Advocate,http://theadvocate.com


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by KTA
Saturday Jan 16, 2010
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Kiteboard Tour Asia 2010
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text:
DETROIT (Reuters) - The Detroit Tigers moved to shore up their injury-riddled offense by acquiring third baseman Jhonny Peralta from the Cleveland Indians in exchange for minor league left-hander Giovanni Soto, Major League Baseball's official website (mlb.com) reported Wednesday.
The Indians also sent cash to help cover the remainder of Peralta's $4.6 million salary for this season.
The 28-year-old Peralta, who shifted to third base this season after manning the shortstop position, is expected to take over third base while the Tigers wait for Brandon Inge to return from a broken left hand.
The power-hitting Peralta was having a sub-par year at the plate this season, hitting .246 with seven homers and 43 runs batted in for Cleveland.
To make room for Peralta on the 40-man roster, Detroit designated outfield prospect Wilkin Ramirez for assignment.
Besides Inge, the Tigers also lost outfielder Magglio Ordonez and second baseman Carlos Guillen to injuries last week.
(Writing by Larry Fine in New York, Editing by Steve Ginsburg)


text: Six people living in a Henry County home are lucky to be alive after a fire swept through the building on Wednesday.Henry County authorities say the fire sparked at a home on Leigh Drive in Ellenwood at around 10:30 a.m. They say when crews arrived at the scene, heavy smoke and flames were pouring from the home, but three adults and three children had already escaped from the home. Authorities say the family heard the smoke alarm and ran outside. The Red Cross is assisting the family.Fire crews say the 7,000 square foot home suffered significant damaged, and the cause of the fire is under investigation.


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Office of the United Nations High Commissioner for Refugees The agency is mandated to lead and co-ordinate international action to protect refugees and resolve refugee problems worldwide. Its primary purpose is to safeguard the rights and well-being of refugees.
European Court of Human Rights
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ILO Conventions
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Chicken: At What Cost?
United Kingdom
28 Jul 14
Yet another food industry scandal has erupted. Recent reports have revealed that two thirds of chicken meat in the UK is contaminated with a bacteria called campylobacter, which is responsible for over 280,000 cases of food poisoning each year and an estimated 100 deaths. Yet again we are forced to confront the perils of our intensive food production systems which place the drive to maximize profit above all other concerns. The horsemeat scandal which hit the headlines last year made us think twice about the trust we place in large-scale food corporations when we consume their products. Irresponsibility is endemic to the food industry, which cuts corners to generate profit at the expense of proper hygiene regulation, animal welfare and human health. We evidently need to reconsider the impact of the low costs that we are paying for meat products. What is wrong with this food production system? Despite concerted efforts on the behalf of the Food Standards Agency to enforce stricter hygiene regulations on the food industry, the problem of contaminated meat is getting steadily worse. The meat industries are consistently failing to comply with food regulations, putting our health at great risk. Part of the problem is the demand from supermarkets for ever lower prices, which is forcing the suppliers to cut corners in their efforts to generate profit. This fast-paced food production system is locked into the drive for maximum efficiency. Pausing operations to clean and repair machinery means loss of profit, and with such tight profit margins to play around with, hygiene takes a back seat. The focus is on quantity and meeting demand, not on quality. Another issue, exemplified by this latest scandal, is that the vast majority of meat production in the UK is dominated by only a few businesses. Several supermarkets and food chains also monopolize the retail market. With this much power concentrated in the hands of so few, there is little holding them to account. Even the FSA, which recently declared that it would "name and shame" those supermarkets and businesses stocking chicken with high levels of campylobacter by publicly releasing statistics, has been forced to back down by the producers and retailers involved. This is a systemic problem, in which traceability and accountability are becoming impossible. In the industrialization of food systems, we have become disconnected from the sources of our food. Placing our health in the hands of low-wage workers on factory floors who have little incentive to care about where the food they are handling will end up. Although the labels and packaging may coerce you into believing that what you are eating is safe, the facts and figures show otherwise. What is the solution? Slow Food UK believes that the intensive method of food production which has become the norm today is damaging our health, our environment and our communities, and casts animal welfare by the wayside. We consume vast quantities of meat in the UK at low cost, with little regard for where it has come from or how it has been produced. This is why we promote the values of good, clean and fair food for all. We need to reconsider the value of the food we eat, and invest more in eating good quality food that is produced in an environmentally friendly way, paying a fair price which reflects the true cost of production. At Slow Food, we believe that rebuilding localized food systems will lead to greater self-regulation, where producers have a vested interest in producing good quality food. Small-scale producers embedded within their local communities will have direct accountability to their customers, obliged to produce good quality and hygienic food. Reconnecting people to their land and their food is ultimately the way forward. Some of the small-scale producers within our network grow organic, free-range chickens, allowing them to grow at a natural speed and have a good lifespan. These producers use hygienic yet labor-intensive processing methods such as dry plucking, which means the chicken meat can be hung, letting the natural flavors of the meat develop. These methods of producing meat are inevitably more expensive, but the quality of the meat speaks for itself, and you can be certain that the livestock has been treated with care and respect. Slow Food UK is helping to raise awareness among the public about how their food is produced, seeing food as something that interlinks with our health, community, culture and environment. Promoting small-scale producers is central to our ethos, and we encourage people to actively strike up connections with their local producers and take an interest in where their food comes from. We need to ask ourselves: what is the true cost of the food that we eat? Can we eat less meat and pay a fairer price? And can we eat meat that has been produced by someone who values their product and our health? Craig Sams, Chair of Slow Food UK Clare Marriage, Representative for Slow Food UK John Cooke, Representative for Slow Food Scotland Margaret Rees, Representative for Slow Food Cymru Shane Holland, Representative for Slow Food England Trine Hughes, Representative for Slow Food England Ursula Hudson, Representative for Slow Food International
Search the Slow Stories archive
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Italy | 30/09/2014 | 28 Ministers convened at UNISG yesterday and discovered Slow Food products and producers from around Europe…
Octopus with Roasted Bananas
Sao Tomè and Principe | 26/09/2014 | From São Tomé and Príncipe, a recipe from João Carlos Silva, one of the many talented international chefs...
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