Showing posts with label personal responsibility. Show all posts
Showing posts with label personal responsibility. Show all posts

Sunday, February 2, 2014

Preaching 'personal responsibility' to African-Americans

With the audacity of hope, I encourage you -- and my conservative friends especially -- to read Coates's article about how African-Americans struggle to relate to President Obama as "The Man" and his calls for blacks to exercise personal responsibility. Try to understand in particular the last three sentences quoted here [emphasis mine]:

"I am not raising 'nothing niggers," my mother used to tell me. "I am not raising niggers to stand on the corner." My mother did not know her father. In my life, I've loved four women. One of them did not know her father and two, very often, wished they didn't. It's not very hard to look at that, and seethe. It's not very hard to look at that and see a surrender, while you are out here at war, and seethe. It's not hard to look around at your community and feel that you are afflicted by quitters, that your family—in particular—is afflicted by a weakness. And so great is this weakness that the experience of black fatherlessness can connect Barack Obama in Hawaii to young black boys on the South Side, and that fact—whatever the charts, graphs, and histories may show—is bracing. When Barack Obama steps into a room and attacks people for presumably using poverty or bigotry as an excuse to not parent, he is channeling a feeling deep in the heart of all black people, a frustration, a rage at ourselves for letting this happen, for allowing our community to descend into the basement of America, and dwell there seemingly forever. 

My mother's admonishings had their place. God forbid I ever embarrass her. God forbid I be like my grandfather, like the fathers of my friends and girlfriends and wife. God forbid I ever stand in front of these white folks and embarrass my ancestors, my people, my dead. And God forbid I ever confuse that creed, which I took from my mother, which I pass on to my son, with a wise and intelligent analysis of my community. My religion can never be science. This is the difference between navigating the world and explaining it. 

In other words, we should not expect to hear the lessons that we teach our children repeated back to us by our elected leaders, as if we are children.  We don't elect them to be our parents or pastors; we elect them to solve problems that we as individuals or individual communities cannot.  As for the rest of us, as a body politic, we cannot preach "personal responsibility" to each other and thereby wash our hands of our society's problems. If only it were that easy.

(And if you don't believe there are any problems that individuals or communities cannot solve by themselves, as many Tea Party conservatives say, then you should really consider not voting in federal elections at all, since basically all Washington does or can do is "meddle" in our lives.)  
  
The above applies to the socio-economic strife of blacks especially. 


By Ta-Nehisi Coates
January 31, 2014 | The Atlantic

Monday, March 11, 2013

Personal finance gurus are dead wrong

Thank goodness somebody is stating the obvious, as if people today are just so much dumber and profligate with their money, when in fact we're the first ones to deal with retirement and very old age all on our own!:

[O]nce upon a time, a majority of us at least had the possibility of receiving a pension when we retired. That’s no longer the case. We’re now expected to do this on our own. And, frankly, most of us aren’t capable of this task, and we have 30 years of evidence – that is, the lifespan of the 401(k) – to prove this fact. We do everything wrong we possibly can. We are unable to save enough money and we don’t invest it well. At the same time, we lack the crucial ability to see the future. We don’t really know when we will retire and why that will occur. We don’t know if our investments will pan out. We don’t know how the greater economic environment will either play out or interact with our lives.

I was reporting on this stuff 15 years ago and I can tell you just about no one said anything like “oh, by the way, you’ll need more than $200,000 just for medical expenses in retirement.” It’s just unfair to expect people – who are not financial experts – to be able to pull this off. The fact is Social Security and other such schemes were created for a reason. There was no imagined past where people saved up for their old age.

Here's another sacred cow slaughtered:

Financial literacy classes sure sound good. But students who take the classes don’t seem to retain much of the knowledge. And, when you think about it for a moment, that makes sense. The idea that taking a class on how finance works at the age of 17 can save someone from a predatory 100-page small-print mortgage when they are 40 is just preposterous. 

[...] Wouldn’t it just be a heck of a lot easier to not offer certain products, or design them in such a way so that they are easily comprehended, than to take on the seemingly hopeless task of teaching a consumer what a structured product is? Of course. So why isn’t this happening?  Well, a cynic might say that’s because financial literacy works quite well at what it was really designed to do and that’s head off legislative protection of consumers.

And here's the simple truth that the Suze Ormans of the world will never utter:

Our best hope for our personal finances is to realize we aren’t in this alone. There is a powerful culture of shame around money in this country, and it is so powerful it actually seems to prevent us from stepping forward, saying things aren’t working out for us financially, and asking not for charity, but for substantive legislation designed to help us all.


By Lynn Stuart Parramore 
March 5, 2013 | AlterNet

Wednesday, October 31, 2012

Frum: Let's get real about abortions. (No, let's not.)

More heresy from faux conservative columnist David Frum:

If you're serious about reducing abortion, the most important issue is not which abortions to ban. The most important issue is how will you support women to have the babies they want.

As a general rule, societies that do the most to support mothers and child-bearing have the fewest abortions. Societies that do the least to support mothers and child-bearing have more abortions.

[...]  Abortion is a product of poverty and maternal distress.

No way: personal responsibility starts at the bright side of the birth canal!  Pull yourselves up by your diaper straps, you babies!


By David Frum
October 29, 2012 | CNN