Just in case anyone is actually reading this...

Kristi Myers

Kristi Myers
Location
State College, Pennsylvania, USA
Birthday
January 03
Title
Freelance Commercial Writer and Consultant
Company
Hieroglyph Communications
Bio
I am a "thirtysomething" Mom and freelance writer raising the most incredible 9 year-old on the planet. Work (when I could get it) is writing technical manuals, marketing materials and grant requests for clients ranging from small nonprofit agencies to large national corporations. I just finished my Master of Arts in Education, an accomplishment that qualifies me for not much of anything in this economy. I love working with children and spend my days supporting kids with disabilities. I lie about my age. I just want to be happy. And to win the lottery.

MY RECENT POSTS

JUNE 24, 2010 11:40AM

I Think We Should Talk About the Elephant in the Room

Rate: 24 Flag

No matter what the talking heads on TV say, the economy isn’t getting better for many, many people. Regular people are still being slowly squeezed until they can’t manage anymore. People who used to have 750+ FICO scores who never missed payments and always expected to have a roof over their heads are seeing their coveted scores plummet, creditors hounding them day after day, and their once-secure homes taken away by lien holders. The people who were once considered “golden” are struggling to put food on the table, in spite of spotless work histories, college degrees, and years of smart decisions. This recession, as they like to call it, is really a depression of sorts. Literally and figuratively. It is subduing an entire generation of workers and rendering them impotent.

 

Just the other day, I read that some employers are bluntly refusing to consider unemployed job applicants. They say they need to thin out the applicant pool, and this is one way to do that. Some have attempted to rationalize their actions by theorizing that unemployed candidates must be unemployed because of some flaw. Never mind that we are at a ridiculous unemployment level, with many good workers unemployed through no fault of their own. Let’s take the job seekers who need jobs most and kick them when they are down. That’s the only civil thing to do, right?

 

As things slowly worsen for regular folks, they feel this squeeze. Month after month, they are forced to cut more and more, until they reach a point where there is nothing left to give up. Music lessons for the kids, pool memberships, vacations, new clothes, Cable TV, dinners out, fast food, sweets from the grocery store, taking the pets to the veterinarian, long distance, phone service... And then they have to stop paying on their credit cards, their mortgage, even their utilities. Unforgiving creditors call daily, and the electric company cuts service. For the first time in their lives, parents wonder if they will be able to keep a roof over their children’s heads. They feel like deadbeats, and the poorly-paid collections workers who harass them only reinforce that feeling. They struggle to hide their worries from their family and friends, even as they visit the doctor for antidepressants and fight with their partners about the mounting bills.

 

I think we should be talking about this. This scenario, with minor variations, is repeated daily in households in my community and every other community in the country. Women are hiding their worries from their friends, trying to maintain a facade of financial and emotional stability that has long since been lost. They cling to their nice clothes and fancy handbags, purchased three years ago, before the bottom fell out of their lives. They carry a worn out $200 purse, but are worried about whether their debit card will be declined at the grocery checkout.. They walk past the people clearly living in their car, wincing and hoping that things never get that bad. They hope they don’t have much farther to fall. They wait for the alleged economic recovery to reach them. They resent the people who are able to receive Public Assistance - Food Stamps, they used to call them - because those people qualify for help and can actually buy food for their kids.

 

These people, the ones who used to volunteer at nonprofit fundraisers, donate to their favorite charities, take their children to ballet lessons, and hit the sales at the mall - they cross their fingers and hope that the phone doesn’t ring. Because they know that the caller will just be asking for money they don’t have. Time was when they always met their obligations and didn’t have to worry so much about money. Those days are over, and may never return.

 

When times are tough, and these times are tough for almost everyone - we should be owning up to our suffering. We should be saying “Yes, I am struggling financially. I worry about money more than ever before. I miss my old life and am desperate for a better job.” If we would just come clean about the hard times, we could support each other and ease the burdens of the people we love. We are all in this together. Even those of us who are still holding it together, albeit with both hands, should open the door to communication so that all the people who are struggling can draw comfort from knowing that they are not alone. Let’s be honest people. If you are among the ranks of the newly-minted poor, own it. Giving voice to your troubles is empowering, and it helps to put a face on the economic crisis that is dragging our country down.

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This is the MUST read post of the day. People are walking around with blinders on if they don't believe that this is happening everywhere. And getting worse. Very well written. I love your humanist point of view.
I've put this on Facebook and Twitter. I hope this goes viral.
And does anybody talk about the people who are denied unemployment? Where are the numbers on those people?
Cartouche, thanks for the props. There are many pieces like this on Open Salon right now, and people should be reading them all. I appreciate the positive feedback.
WendyLynn, this is a very good question, and we should be asking it. I know someone who was forced out of her job, denied unemployment, and is going on 20 months without a job. The unemployment rate only reflects people eligible for benefits who are currently seeking a job. It doesn't count people who are denied unemployment, whose benefits have run out, who graduated and never found their first job, or who have just plain given up. If you count people with disabilities, senior citizens who need to work but can't, people who are too ill to work but not eligible for benefits, the underemployed, and those who have simply run out of options, the number is frighteningly high. I don't think I can even stomach the results of that math at the moment. Thanks for your comment.
Most excellent. I agree - a MUST READ.
Excellent post! I read it after your comment. This is the elephant in the room that nobody wants to see, let alone talk about!

I have friends (well-meaning and I love them) who invite me to do expensive things with them. I gave in a few months ago and found myself living on $20 for two weeks because I felt guilty about not going out. I spent $90 in one night. It was a tough lesson to learn. I literally cleaned out my cupboards to eat that month. NEVER AGAIN!

I have one decent interview outfit and can't even afford the Goodwill or Salvation Army. I'm trying to find a place that will help me get some more business clothes that are donated. I ain't to proud to beg.

Almost everyone I know is living on the edge, save for many of my married friends who have at least one working spouse. Not me. I'm on my own.

I'm adding your post to the bottom of my blog. I hope everyone reads it!
Reading essays like this scares the hell out of me, but I think it's important. You're right - there is no shame in being a victim of this economy. Things really are out of control.
Thanks for the ad and the positive comments, Kat. Jane, I understand what you are saying, but I suspect that your friends with more secure jobs might eventually be in the minority.

I am glad to know that people are talking about this, but saddened that people are going through something this bad. This is the worst economic crisis I have seen in my lifetime, and I really do believe this is our Great Depression. Hmmm...since this is the second one, does the first lose the "Great" designation? Perhaps the one from the 1930s should be Depression I and this one should be Depression II? Dunno.
Add to this the millions of Realtors who are struggling once again. Since the home buyer tax credit ended, pending sales are down 35% in your area. There are a few doing very well but even those in the top 15% of Realtors in our area will gross less than $40,000. This doesn't take into consideration expenses such as advertising, phone, internet and office supplies. At the same time, construction workers are also out of work in our area -- just about 30% of the workforce here is involved in those two professions. Realtors are never eligible for unemployment, and most contractors are self-employed. I can assure you that the employment figures are always way off....WAY off...
Excellent point, lalucas. Not only are they not protected by unemployment insurance, realtors and construction workers are more seriously impacted by this economy. I once envied them their higher-paying jobs. Now I just feel badly for them.
Excellent point, lalucas. Not only are they not protected by unemployment insurance, realtors and construction workers are more seriously impacted by this economy. I once envied them their higher-paying jobs. Now I just feel badly for them.
100% Agree. Well said, well written, and all too true.
True and realistic view. And where do we go from here?
Lea, I wish I knew. I am trying to figure that out myself. Supporting one another and offering a shoulder on the bad days can only go so far. It won't pay the rent, or buy health insurance, or feed our children. Things are terribly broken, and I am searching for an answer, too.
Excellent post. I have thought about this, kick 'em again when they are down. Corporate American - ain't it grand?
r~
You know I talked about this for years. Starting in 2001 I cut out most luxuries from my life and put everything towards my debts until I zeroed them out. I kept telling people that these miracle refinancing programs were going to come back and bite America in the butt and I kept warning that the 14000 market was based upon nothing more than the big money men shuffling numbers the same way Enron had done. People told me I was pesimistic and only saying that because I hated bush the lessor.

Today I have no debt and am not only surviving the storm but buying up solid stocks that were drug down during the crash. So I blame no one but the people who refused to be warned.

ps, buy citibank stock. It's stagnent right now but in a couple of years it should tripple in value. Just saying.
Well said and so very true. I am 64 and out of work for a year. People keep telling me how lucky I am to be free, and I could apply for social security, but somehow, I don't feel done yet, and I miss making lots of money. I had a very high-profile job at an elite school that cut jobs after the endowment lost a huge sum. My colleagues who also lost their jobs are all depressed, and yet there seems to be this imperative to act cheerful and strong all the time. I'm glad that you wrote this and wish policy-makers would read it, especially those who don't want to extend unemployment benefits.
This is so important. Thank you.
R.
Wonderful post Kristi. Glad I found it.
After discussing a friend's upcoming bankruptcy today, another friend who is financially well-heeled commented that it was "ironic" that all her friends were under or unemployed and she didn't have anyone to do anything wtih. We all need to be aware of what is really going on. thanks for your post.
And here I thought it was just me. Excellent post. I think many people are ignoring the concept, hoping that it will all go away. R.
there is a political philosophy called 'socialism, which addresses these questions. capitalism doesn't, it depends on people being unemployed. indeed, it creates a criminal class: those who have no value to capitalists and can not survive without proscribed activities..

but most americans get along ok with the system they are born into, and accept the existence of 'losers' as 'their own fault.' until, as now, large numbers are suddenly re-classified as 'losers,' and don't feel its their own fault.

well, it is. you accepted poverty and resultant crime when you weren't in it, now you must wear it when you are.
I never accepted this system, al loomis. I have been arguing against the way things have been going for years. I think that the crisis we are collectively experiencing now is just making the situation untenable for so many people that this is a good time to force people to look at what is happening.
Keep talking, Kristi. The middle class is getting poor, the poor are getting poorer, and the rich are getting richer. The change we all voted for seems to be more of the same; somehow, the same rich people are still getting richer and destroying the world in the process. Keep talking, Kristi.
You're absolutely right that the unemployed, under-employed, the newly homeless and those on the precipice should, so to speak, come out of the closet. There's no disgrace in finding yourself in reduced circumstances these days. Unfortunately, you're in good company.

The personal stories are a valuable complement to the general stats that indicate that unemeployment is up, steady, or down a bit, or that the recovery is on, or it's near etc. Thanks for the post.
I've read your post over and over the past week--- I agree with much that you say and am seeing this all over in our community as well. I keep coming back to re-read to ask myself,"Why does this post bother me so much? Is it because suffering seems brand new to you? Is it because there are those who've had trouble keeping it together while fully employed for far longer than this crisis? Is it because I wonder how you felt about lesser incomes a decade ago? Were you compassionate then? Were you caring about helping out those about to foreclose before it hit you and your friends who now are afraid? Is it because 'regular folks' seems to mean former upper middle class?
I am guessing you are a caring individual, and it is because I don't know you that these things came up for me while reading, but these are valid points for all of us to take to heart.
I have the same fears and concerns about our country and how it does not seem to be getting better at all and more and more friends and acquaintances who taught ballet and music and were nannies are now not working since no one else is.....as well I have friends whose companies have tanked, whose stock values have disappeared, whose homes as well as investment properties are worth maybe half of their former value.
I write this because I truly pray for relief for all of us, my family is not exempt here at all--and I also pray that all of us who may not have been so caring about others when times were good, may also move forward into a more compassionate attitude about how those less well off got there in the first place-- not necessarily always deadbeats, not always lazy people. That is the lesson I take from this crisis....and I hope we all can hear each other with open minds and look after each other better, for I will not do well if you are not well, and you will not do well if I am not.
Just thinking, those are valid questions. To give the short answer, yes, I was always concerned about people living in poverty, even before it hit the "regular folks." My first job out of college was working in an inner city nonprofit - a place I loved - to find ways to combat the desperate poverty faced by most of the neighborhood residents. These were decent, hardworking people who did the best they could with nothing, and who faced rude comments and mean looks every time they used their Food Stamps at the grocery checkout. These were people who were caught in a cycle created by generations of poverty, poor education, violence, and lack of opportunity. It was terrible, and they deserved better.

Someone posted earlier about how we rely on having some "poor people" as long as it doesn't hit us. I think that society seems to need a balance of rich/poor/middle to function as it was designed to, but I take issue with this. Needing an underclass is a myth, unless you are a rich person who wants someone to oppress.

I've always been worried about the deleterious effects of poverty, and I've never been among the upper class. What shocks me now is how far-reaching the poverty has become, and how unwilling people are to admit to it. Do they think that, if we pretend everything is ok, it will be? Our elected officials and our society in general have ignored people struggling with nothing for far too long. Have we finally reached a point where they have to see it now? I hope so.
Very nice to 'hear' more about you, I appreciate what you say very much....
And now that the Senate Republicans (and Dem. Nelson) have decided to score political points by using the unemployed as pawns by not funding extensions, things will only get worse. I wrote about this yesterday on my blog here. We must stick together otherwise, it's divide and conquer.
Very well put! Not to mention the ones who are unable to get UI and there company blackballed them! I am trying to hold it all togeather but, am really getting super worried over this! I have an interview today. More than 1/2 my wage lost. But maybe I will get it and it will put food in our house. While we still have a house. From $70,000 in 2002 to hopefully $25,000 in 2010. That's crazy!
Not that many months ago I had to decide whether to put enough gas in my car to get to an interview or buy enough food to last until my next unemployment check. And it was not something I discussed with anyone at the time. Even though I had done nothing "wrong" to get to that point, I know it wasn't something I wanted to talk about I was ashamed of being in that situation. In retrospect it's foolish, but at the time it was a very real feeling.

At the time I also didn't have the emotional energy to be on the receiving end of the "blame game." I think that's another reason it's difficult for someone who is struggling financially to be open about the situation with someone who is not. Sooner or later it will be helpfully brought to your attention that "It's your fault because: you chose the wrong career, bought too much house, picked the wrong stocks, didn't work hard enough, aren't looking for a job the right way, didn't save enough money, made poor business decisions, majored in the wrong field".
>The people who were once considered “golden” are struggling to >put food on the table, in spite of spotless work histories, college >degrees, and years of smart decisions

In spite of? In the case of a lot of college degrees, I'd say "because of." Going into massive debt to study, say, journalism, pretty much wipes out any actual smart decisions a person makes. As for the economy rendering workers impotent, I believe that's where Viagra comes in...

-Dave "Premature" O'Jaconnellation