ORLY-EP0107A - Poverty, History, and Science
Welcome to ORLYRADIO #107a for Friday April 29th, 2016 - where we dismantle the current events for your edutainment through mostly rational conversations that make you go ‘Oh Really’! I’m your host Andy Cowen, with my usual suspects, Michael Robinson, Fred Sims, Stephen Griffith, and Daniel Atherton.
Audience Feedback From Previous Shows:
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From LissaP: I'm listening to your show and the lack of investment in Civics was just mentioned, so I'd like to clarify. It has been widely recognized that the deficit in people's understanding of the workings of the government has grown. In an effort to deal with that, in the state of Florida at least, Civics is a mandatory class in middle school, just like Government always has been in high school. (I didn't take Civics as a kid; it was expected to be embedded in various social studies courses, whether it actually was or wasn't.) Now,, the methods that are used to prioritize and emphasize a given subject area can be faulted, of course, but Civics has been given prominence recently. It has an EOC (end of course exam) that must be passed or the course needs to be retaken. This test score is given so much emphasis that it actually weighs pretty heavily in the calculation of school grades, proportionally speaking. This ensures that student mastery of the content is important to the school. And the test itself is quite rigorous. Now, it takes time to see the fruits of any educational initiative in the real world, but we're trying. My 2¢.
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RANT Segments & Headlines:
Poverty: Talk is free. Ideas are free. Networking with people and collaboration is the right way to bootstrap. Even Donald Trump needed a loan from Daddy Warbucks to get started, so, my advice
Make long term plans. It is damn hard to get out of the hand to mouth mindset without a plan. It can be meager, but start at retirement and work backwards. Start at like 70, then 60, then 50, 40, 35.... Each one must build to where you want to be at the next level.
Once you have a plan, you can make informed incremental change.
As an example. Tax time, you get a refund, what will you do with next year's return? Will you buy the better items that will help you save more day to day, like the boots? If you plan now, next year will be better and the year after that even better.
Long term goal planning is the best advice I can give anyone from anywhere in any class. How do you eat a whale? One bite at a time, and it's going to take a while.
1 In 4 Americans Have PTSD-Like Symptoms From Financial Stress
In an analysis of data from 2,011 survey respondents, researchers at Payoff discovered that 23% of respondents were experiencing symptoms commonly associated with post-traumatic stress disorder (PTSD) related to their finances. Among Millennials, the number is 36%.
Among other things, survey respondents were worried about being homeless or were routinely late on payments. Others denied the severity of their debt or the reality of paying it off. People’s behaviors were irrational and motivated by denial and avoidance, leaving them less able to plan or manage their financial lives. “It was just this cluster of negative financial behaviors and fear,” Buckwalter says. “And when you look at the diagnostic criteria for PTSD, it lines up with what we were seeing—the denial, the avoidance, the hypervigilance, the nightmares. It was all there.”