Jul 21 - 'GHETTO TAX' - Why it costs more to be poor...

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 07-21-2006, 02:30 AM         #1
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Tattered_Hoody 
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Jul 21 - 'GHETTO TAX' - Why it costs more to be poor...
 

 
'Ghetto tax'
Anyone who's ever been in the ghetto can tell you the bitter irony: it's an expensive place to live. This is being reported as "news" in some circles this week.

Researchers at the Brookings Institute on Tuesday released a report that shows that those who live in the ghetto spend hundreds, often of thousands of dollars a year more for goods and services than their middle class counterparts.

"There's a large and for the most part overlooked opportunity here to help low-income families get ahead," Matt Fellowes, the Brookings researcher who wrote the report, said in an interview. "That is to reduce their costs."

Because folks in the ghetto have less money, they are often forced to spend more for things. Can't afford to spend $300 for a new TV? Pay $40 a month for one. Don't have the $72 for a monthly New Yrk City subway pass? Pay $2 a ride.

This cruel calculus plays itself out over a wide spectrum of goods and services. Making matters worse is the reluctance of banks and supermarkets to do business in the ghetto.

Those lucky enough to have a bank near their home often lack the funds to open an account. So rather than cashing checks at their local branch, they are forced to spend a large percentage of the pay at check cashing places.

Because of the shortage of supermarkets, many have no choice but to do their shopping at convenience stores, where prices tend to be much higher.

Tom Kertes, spokesman for the United Workers a.ssociation in Baltimore, says his community has been dealing with this for as long as he can remember.

"We call it the ghetto tax," he said.





[pic - click to view]

 http://www.sploid.com/new .. ghetto_tax.php





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Here is the original article from which the Sploid Article was written


[pic - click to view]

 http://www.baltimoresun.c .. ocal-headlines

Poorer city residents pay more for goods
By Eric Siegel
Sun reporter
Originally published July 19, 2006
Low-income families in the Baltimore region and 11 other major metropolitan areas pay more than their wealthier counterparts for a wide array of basic goods and services, from buying groceries to cashing checks, according to a new study.
The study, funded by the Baltimore-based Annie E. Casey Foundation and released yesterday by the Brookings Institution, says the additional costs can add up to hundreds or even thousands of dollars a year per family -- money that could be used for education and health-care expenses for children.




The report called on government leaders to encourage banks and large-scale groceries to open in poor neighborhoods, to more closely regulate price-gouging enterprises that are there and to improve the education of consumers.

Matt Fellowes, a researcher at Brookings and author of the study, said the Baltimore region "really does stand out across the board" for the high cost of goods and services in low-income neighborhoods.

Fellowes said that one possible explanation was the high poverty rate in the city, limited consumer protections and the relative shortage of banks and credit unions in poor neighborhoods.

In the Baltimore region, 31 percent of neighborhoods with family incomes below $30,000 had a bank or credit union, the fourth-lowest percentage among the areas studied, the report found. In contrast, 60 percent of Baltimore area neighborhoods with family incomes between $30,000 and $59,999 had a bank or credit union.

Fellowes said a $15,000-a-year Baltimore-area wage-earner could save $600 a year by going to a bank instead of relying on a check-casher, and that the same worker would save more than $400 a year in auto insurance if he or she lived in a high-income suburban community rather than a poor city neighborhood.

Bonnie Howard, a senior a.ssociate at the Casey Foundation, which works to improve the lives of disadvantaged children, said the issue of financial well-being was an "important element in the family-strengthening agenda."

"The children who are most vulnerable are those who don't have economic stability," she said.

The Abell Foundation is funding a similar study that will take a more in-depth look just at Baltimore.

Tom Kertes, spokesman for the United Workers a.ssociation, which represents low-wage workers said he welcomed any attention to poverty but added the study's conclusions are "not news to us."

"We call it the ghetto tax," he said.

The Brookings study also found that low-income families were more likely to purchase high-cost mortgages and to pay more to insure their homes.

The study noted several innovative approaches to address the problem. They include an effort in San Francisco to sign up 10,000 new low-income banking customers and one in New York in which the state agrees to deposit public funds in branches that agree to open in underserved areas.

"It's a whole lot more complicated than traditional antipoverty programs," said Fellowes.

174 comments for "Jul 21 - 'GHETTO TAX' - Why it costs more to be poor..."

 07-21-2006, 02:56 AM         #2
CubanLinks  OP
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blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way
 11 years ago '05        #3
meercy|m 
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 CubanLinks said:
blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way

^^^ .....no comment for the priceless thought....
 07-21-2006, 05:49 AM         #4
bigb5399  OP
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 CubanLinks said:
blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way
And thatís the train of thought that keeps the banks, and stores out of the areas that need it. The areas that need a super-market rather than a gas station, that needs a bank rather than 10 check cashing/payday loan places. ppl arenít poor bc they want to be, in 90% of cases its bc they have no other choice then to live check to check, and scrap by on a continuous basis. when they have no choice but to buy the bulk of there necessities in life from 7-11, it dose nothing but perpetuate the cycle....just think, if things were cheaper on a regular basis, from the start, do u think that the shoplifting rate would have risen to the out of control state its in? Humans are like animals in that they will do what they need to do to survive.

"If I canít afford that gallon of milk, or that box of cereal, I will do what I have to do to get it, and if that means steal it, so be it, and if u get in the way then sorry bout ur luck. But my family will be feed"

Thatís a common thing to go thru a lot of ppls minds on a regular basis all across America. but since we are programmed to survive, by any means necessary, that mentality will never change, there is always gonna be theft, bc thatís how some ppl get by, and it works, but it keeps the big stores out and the prices in the small ones stay high......its a never ending cycle.


Last edited by bigb5399; 07-21-2006 at 05:55 AM..
 07-21-2006, 05:53 AM         #5
dolla101  OP
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 bigb5399 said:
and thats the train of thought that keeps the banks, and stores out of the areas that need it. the areas that need a super-market rather than a gas station, that need a bank rather than 10 check cashing/payday loan places.ppl arent poor bc they want to be, in 90% of cases its bc they have no other choice then to live check to check, and scrap by on a contiueous basis. when they have no chocie but to buy the bulk of there nasesities in life from 7-11, it dose nothing but propetuate the cycle....just think, if things were cheaper on a regular basis, from teh start, do u think that the shoplifing rate would have risen to the out of control state its in? humans are like animals in that they will do what they need to do to survie.

"If I cant afford that gallon of milk, or that box of ceareal, i will do what i have to do to get it, and if that means steal it, so be it, and if u get in the way then sorry bout ur luck. but my family will be feed"

thats a common thing to go thru alot of ppls minds on a regular basis all across america. but since we are programmed to survive, by any means nessacary, that mentality will never change, there is always gonna be left, bc thats how some ppl get by, and it works, but it keeps the big stores out and the prices in he small ones stay high......its a never ending cycle.

REAL TALK-Mayne```propz
 11 years ago '05        #6
goldgrill910 2 heat pts
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 CubanLinks said:
blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way
exactly
 11 years ago '04        #7
gweezy 
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propz !!!
 11 years ago '05        #8
Majic_One 4 heat pts
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 CubanLinks said:
blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way

Whoa!
 07-21-2006, 10:15 AM         #9
xxeaglesfan00xx  OP
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its because the rich get richer and the poor get poorer, that is just life.
 11 years ago '05        #10
meercy|m 
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 CubanLinks said:
blah blah blah dont wanna read it shut up ... whoever is 18 and poor ... decided to be that way
 goldgrill910 said:
exactly
again......
 11 years ago '04        #11
1nonly 15 heat pts15
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 xxeaglesfan00xx said:
its because the rich get richer and the poor get poorer, that is just life.

Unfortunately
 11 years ago '05        #12
nawtyxes 6 heat pts
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 1nonly said:
Unfortunately

Thats a fu*king excuse..get a grip on reality. Why you gotta have a TV? Read the fu*king paper..I understand maybe for the older 50+ generation, but kids this day and age have no excuse

go to school
get an education
get a fu*king job
save your fu*king money

however this is what happens
go to school
socialize, play sports, make friends

get a job
so they can buy ring tones, nikes and sh*t

save your fu*king money
yeah save it long enough to buy more depreciative sh*t

stop with the excuses and man the fu*k up!
 11 years ago '04        #13
ItAlY2BkLyN 238 heat pts238
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I hear what the article is sayin' but fools act like it's a big conspiracy or something. sh*t I gotta drive down the toll way to go home. Yea I could pay for the express pass, but I pay .75 cents each time. OR I could take another way. It's a choice. When I worked at 7-11 people would come in with the food coupon card and their kids. What do they buy? Milk? Eggs? Naw, they bought candy slurpies, etc. Yes there is a system in place. It may not be right wrong or indifferent, but it's the individuals choice to do what they do. Like dude said, if you can't afford $75 for a tv, instead of payin' however much a month to "rent to own". Save yo sh*t and buy it when you can.
 07-21-2006, 01:34 PM         #14
DragOnRR2003  OP
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thats cause people in the ghetto spend more money on drugs they rather get high then spend money for a bus pass to work. also they worry more about their cars and clothes
 11 years ago '04        #15
mszomola 
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so i dont understand ... ? 40 a month for tv ? ... just dont get your tv that way ... and chill till you save up enough ...
 07-21-2006, 01:44 PM         #16
Jwalkin23  OP
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whoever is 18 and poor ... decided to be that way
 07-21-2006, 01:46 PM         #17
CubanLinks  OP
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 bigb5399 said:
And thatís the train of thought that keeps the banks, and stores out of the areas that need it. The areas that need a super-market rather than a gas station, that needs a bank rather than 10 check cashing/payday loan places. ppl arenít poor bc they want to be, in 90% of cases its bc they have no other choice then to live check to check, and scrap by on a continuous basis. when they have no choice but to buy the bulk of there necessities in life from 7-11, it dose nothing but perpetuate the cycle....just think, if things were cheaper on a regular basis, from the start, do u think that the shoplifting rate would have risen to the out of control state its in? Humans are like animals in that they will do what they need to do to survive.

"If I canít afford that gallon of milk, or that box of cereal, I will do what I have to do to get it, and if that means steal it, so be it, and if u get in the way then sorry bout ur luck. But my family will be feed"

Thatís a common thing to go thru a lot of ppls minds on a regular basis all across America. but since we are programmed to survive, by any means necessary, that mentality will never change, there is always gonna be theft, bc thatís how some ppl get by, and it works, but it keeps the big stores out and the prices in the small ones stay high......its a never ending cycle.

see thats where it all goes back to if ur 18 and over and ur poor its your decision ... if your stealing a gallon of milk to feed your family ... why did you have a kid if you couldnt afford it in the first place ... so then you get thousands of dumbasses living in this country with that mentality always complaining about how they live in the ghetto and how the situation sucks... and they resort to doing the dumb sh*t they do (WELL DUMBASS WHY DONT U WORK FOR A LIVIN SAVE UP MONEY AND GET OUT OF THERE INSTEAD OF SITTIN ON THE CORNER OF YOUR HOUSE WITH A CAMCORDER AND YOUR "HOMEBOYS" MAKIN A SMACK DVD FREESTYLE) im sorry but in the USA there is no excuse for living in poverty.
 11 years ago '04        #18
casper 1 heat pts
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its so much ignorance in this thread its fu*kin disgusting, half u motherfu*kers dont know sh*t about a struggle, it aint peaches & cream. i bet most of ya'll had ya parents around to help u thru life holdin ur hand the whole time, & if u faced any obstacles in life it was "dont worry honey, we'll take care of it". it aint like that everywhere & u will never understand the hardships in life period. while u guys r discussing buyin a $600 ps3 theres people that cant make that in a month, & ITS NOT THEIR CHOICE thats stupid to say, things cross peoples paths in life & sometimes nobody helps ya, in the hood theres sh*t in everybodys path so it hard to help one another when u need help yaself
 07-21-2006, 02:02 PM         #19
CubanLinks  OP
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 casper said:
its so much ignorance in this thread its fu*kin disgusting, half u motherfu*kers dont know sh*t about a struggle, it aint peaches & cream. i bet most of ya'll had ya parents around to help u thru life holdin ur hand the whole time, & if u faced any obstacles in life it was "dont worry honey, we'll take care of it". it aint like that everywhere & u will never understand the hardships in life period. while u guys r discussing buyin a $600 ps3 theres people that cant make that in a month, & ITS NOT THEIR CHOICE thats stupid to say, things cross peoples paths in life & sometimes nobody helps ya, in the hood theres sh*t in everybodys path so it hard to help one another when u need help yaself

oh shut the fu*k up about the struggle... theres a struggle because u chose to be in that struggle ... im not saying its easy to make something out of yourself if you live in the "ghetto" it would probably be a lot more difficult than a middleclass person but the people living there dont do anything about it ... and settle for the ways of living there and later complain about it
 07-21-2006, 02:03 PM         #20
kokaine  OP
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its the stupid fu*king adults who fu*k..... and have no clue on how to support their children ... THOSE STUPID DRUG ADDICTS, s3x MANIACS ETC..... so if your not ready to take care of your children granted that everything goes well in your life..... all you should focus for them is there education WHICH WILL LEAD TO A PROSPEROUS CAREER. ME i had to struggle to get admission to get into school back in my country, moved HERE TO NORTH AMERICA BECAUSE ITS A LAND OF OPPORTUNITY, yet you see so many fu*king dumb people focused on DRUGS AND CRIME that they never take the right path to bulding their life. IF YOUR A fu*k UP, AT LEAST MAKE IT BETTER FOR YOURSELF AND YOUR KIDS BY TRYING TO FIX IT. In america and canada there should be no excuse to be a dumb fu*king idiot with no future!

bi*ch bi*ch bi*ch..... complain complain complain in a country where your given so many chances to fix your life up YET YOU LIVE A CRIMINAL TYPE OF LIFESTYLE with NO KNOWLEDGE AND MORAL SENSE WHAT SO EVER!


Last edited by kokaine; 07-21-2006 at 02:05 PM..
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