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Michel.Evanchik.Net » Money

Archive for the ‘Money’ Category

Poor in NYC? Move!

Monday, January 14th, 2008

The poor, even while employed and receiving public assistance, have a hard time making ends meet in New York City, according to this article in the New York Times.

This makes me wonder why they don’t move,.  If moving is too great an expense, shouldn’t the city help them move? Given the high cost of living in this city, wouldn’t it be wise for many families to cut their losses and try to start afresh in parts of the country where the cost of living is lower?

Such behaviour would also help those poor that decide to stay.  As the pool of low-skilled labor decreases, the market should respond by bidding up the wages of those that remain, and thereby making them less poor.

New York needs to export it’s poor, for their own good and the City’s.

Princess Cruises Alienates Hundreds of Potential Customers

Saturday, December 1st, 2007

You can bet she won’t be using Princess Cruises.

Too bad Mrs. Evanchik’s rag didn’t pick up the story. I betcha Krugman could have had some fun with it. But he’s very serious nowadays. He’s probably grumpy because he still has to work for a living. A mediocre prognosticator, he has excellent hindsight.

Predatory Lending Is Wrong

Tuesday, August 28th, 2007

Predatory lending is a real and serious problem. Lenders are not legalized confidence men, but have a fiduciary duty to look after their clients’ interests. Predatory lenders are those that have abrogated that trust, and they are, unfortunately, the norm. A borrower has an explicit right to expect that a lender will be honest and forthright in his dealings, and that the lender will make a conscious effort to make a loan on terms that are most advantageous to the borrower.

When this fiduciary duty is not kept, bad things happen. It is a crime, just like a doctor performing unnecessary surgery or a lawyer billing unnecessary hours to pump up their fees.

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The Rich Are Different Than You and Me — They Have More Money

Tuesday, August 21st, 2007

It is worth saying something about the social position of beggars, for when one has consorted with them, and found that they are ordinary human beings, one cannot help being struck by the curious attitude that society takes towards them. People seem to feel that there is some essential difference between beggars and ordinary “working” men. They are a race apart–outcasts, like criminals and prostitutes. Working men “work,” beggars do not “work”; they are parasites, worthless in their very nature. It is taken for granted that a beggar does not “earn” his living, as a bricklayer or a literary critic “earns” his. He is a mere social excrescence, tolerated because we live in a humane age, but essentially despicable.

Yet if one looks closely one sees that there is no essential difference between a beggar’s livelihood and that of numberless respectable people. Beggars do not work, it is said; but, then, what is work? A navvy works by swinging a pick. An accountant works by adding up figures. A beggar works by standing out of doors in all weathers and getting varicose veins, chronic bronchitis, etc. It is a trade like any other; quite useless, of course–but, then, many reputable trades are quite useless. And as a social type a beggar compares well with scores of others. He is honest compared with the sellers of most patent medicines, high-minded compared with a Sunday newspaper proprietor, amiable compared with a hire-purchase tout–in short, a parasite, but a fairly harmless parasite. He seldom extracts more than a bare living from the community, and, what should justify him according to our ethical ideas, he pays for it over and over in suffering. I do not think there is anything about a beggar that sets him in a different class from other people, or gives most modern men the right to despise him.

Then the question arises, Why are beggars despised? –for they are despised, universally. I believe it is for the simple reason that they fail to earn a decent living. In practice nobody cares whether work is useful or useless, productive or parasitic; the sole thing demanded is that it shall be profitable. In all the modem talk about energy, efficiency, social service and the rest of it, what meaning is there except “Get money, get it legally, and get a lot of it”? Money has become the grand test of virtue. By this test beggars fail, and for this they are despised. If one could earn even ten pounds a week at begging, it would become a respectable profession immediately. A beggar, looked at realistically, is simply a businessman, getting his living, like other businessmen, in the way that comes to hand. He has not, more than most modern people, sold his honor; he has merely made the mistake of choosing a trade at which it is impossible to grow rich.

– George Orwell, Down and Out in Paris and London (1933), end of Chapter XXXI

Free Money - Find Forgotten Accounts - Unclaimed Funds Searches By State

Sunday, July 1st, 2007

Listed below are complete links to each state’s “unclaimed property” bureau. Unclaimed property are generally old bank accounts or security deposits that have been forgotten or never claimed by their rightful owners. Search by your name in any state you have ever lived in.

You would be surprised what money of yours you have forgotten about, and that you can still lay claim to. There are no fees for claiming your funds. This is free money.

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