First, I do think the assessment of "poor" in this country is off. That said, "poor" is always a relative term. People in many countries consider it normal to never really get enough to eat, etc, but is that the standard we want in this country? I think not.
Beyond that, you do seem to be inferring some incorrect assumptions, specifically:
thegreekdog wrote:
- 45.9% of the US poor own a home
In most areas, owning a home, even with maintenance, is cheaper, often far cheaperthan renting (at least if you are moderately adept at doing many repairs yourself). Its the old story... landlords want to make money (of course), so they charge what it costs them for a mortgage and maintenance, plus a bit extra. In some areas (big cities, in particular) that gets skewed.. either because real estate taxes have risen, because building maintenance is very expensive or other reasons.
Also, home ownership has other benefits. I can grow a garden.. most landlords would not allow that, even if there were space. and, to be honest, with an ADHD child... well, he has poked a few holed in the walls of his room. I am glad its only me and not a landlord I have to face on stuff like that!
thegreekdog wrote:- 72.8% of the US poor own a car or truck
Outside of some big cities, a vehicle is almost essential both to get a job and for just plain safety reasons. Even where mass transit is available, it can be inconvenient to the point of impracticality. (Think of bringing milk and fresh vegetables home on a hafl-hour bus ride to the projects)
thegreekdog wrote:- - 30.2% of the US poor own two or more cars or trucks
See above. Also, trucks are cheaper both to buy and run in many places (depends, heavily) and can often be used for work or side jobs. Also, remember, a lot of poor are only there temporarily, not permanently.
My husband's vehicle is necessary both for his regular work and for his fire duties (he drives to fires, etc). My car is slightly less important, but without it, I would be walking my kids a mile back and forth to preschool. OK in fair weather, but in the winter? Also, I did not buy my car. It was given to me... and is about ready to break down as it is. Soon, when I begin working outside my home, it will be critical for me, not just a big convenience.
thegreekdog wrote:- - 75.6% of the US poor own an air conditioner
This is more changing times. Air conditioning is reletively inexpensive. For someone who is disabled or elderly or very young (a high percentage of the poor fall into one of those categories), it can be a health necessity.(depending on climate, of course)
thegreekdog wrote:- - 97.3% of the US poor own a color television
- 55.3% of the US poor own two or more color televisions
- 78.0% of the US poor own a video recorder or DVD player
These are meaningless. Black and white TVs are almonst non-existant any more. It is easy to find all of these items very cheaply at garage sales. Many people are plain given them (we were) as friends/neighbors upgrade.
thegreekdog wrote:- - 62.6% of the US poor have cable or satellite TV
Slightly more critical. However, if you think about the cost of entertainment, this gets to be a pretty cheap option. Many with kids consider it a near necessity (I do not), so they can watch sesame street or just plain stay out of trouble. Cheap packages are out there, though getting rarer. We used to pay just $20 a month and got all we wanted. Now, I combined it with my internet and phone long distance (so I can call my family and also for business reasons -- for both TV and Computer) for $99. That will absolutely be the first to go. (and not, it won't get us close enough to the $1300 it cost for insurance to matter)
thegreekdog wrote:- Now, that was from 2004, so I wonder what it looks like now. I also read in this link that most of the poor in the United States live in bigger homes than the European middle class.
This is true, but rather irrelevant. My home cost 1/10 of what my brother's in California cost, is newer than his and has 2 stories, 3 bedrooms, 3 baths (only 1 is full). BUT, here is the thing. I actually looked around for smaller houses. They just were not available. Plus, you get into the whole resale issue. You might save a small amount on a tiny house, but if the house is much smaller than those around, it can be much harder to sell it (yes, I know there are a lot of variabilities and that this is not always true). Also, many Americans just have bigger families, on average than Europeans. When you factor in the fact that kids are a heavy contributor to poverty, particulary for single women (part of that, though is because child support is not considered "household income" in most statistics), its just a matter that Americans have bigger houses
NOTE.. I am a big believer in simplicity, smaller houses, etc. I was employed when I bought my house, and mostly got it for the large yard.
thegreekdog wrote:-
Here are some facts about poverty in America (from Business Insider in 2010 I believe):
- Household participation in the food stamp program increased 20.28% since 2009.
OK, first, the above statistics were before the housing bubble burst and the second is after. The housing crunch, downturn in the economy have turned a LOT of those statistics off. Far more people now do not own their homes, may even be homeless. Far more people have been laid off from jobs and seem to be staying off (though many don't appear in unemployment statistics because they have dropped off the active roles)
thegreekdog wrote:- - The number of Americans on food stamps surpassed 41 million for the first time ever in June 2010. That's more than 10% of the population for those keeping track.
- One out of every six Americans (17%) is now being served by at least one government anti-poverty program.
Same as my previous comment.
thegreekdog wrote:-
- More than 50 million Americans are on Medicaid
My kids fit here. They fit because they have disabilities, but more importantly, they fit because my husband was laid off from his job and due to some screw ups by his old boss, we lost insurance. (and no, we cannot fight it legally... since it cannot be categorized as discrimination, goofs are not protected by law)
thegreekdog wrote:- - More than 25% of all Americans now have a credit score below 599.
Well, that is what happens when you lose your job, house, etc. ALSO, the credit companies themselves have been extremely predatory. Now, I make no excuses for people who build up credit they cannot pay. In our case we had to put some medical bills no credit, plus some other issues (and note, we are paying, its just I don't like our debt level one bit!) HOWEVER, we paid faithfully, online. A year ago last fall, almost EVERYONE I know found they were suddenly delinquent. Why? Because the credit companies all, every one changed the due dates without truly notifying people. Also, even when I did pay on time, I was erroneously reported as delinquent. By the time I got it fixed, damage had already been done to my report. They did this with the full knowledge that rules would likely be changing with Obama and wanting to have an "excuse" to up everyone's rate. When your payment more than doubles overnight through no error of your own... that is just not right.
thegreekdog wrote:- Do these two items mesh for you? Is there any consideration given to priorities?
Again, while Americans absolutely have debt problems, a lot of that is not the poor. Or, rather, if you look into why folks go into bankruptcy, have very serious debt, about 75%-90% have had serious medical issues that began the problems (or pushed things to the point of no escape).
So, do people put too much on credit cards? Yes. Is that why Americans are poor? Other than medical care, no. Most of those with the heavy credit card debt are reasonably well off, and what they are not doing is saving for the future. They may not be going bankrupt, but they are putting themselves in bad positions for the future. AND, a LOT of people have been waking up recently. However, credit debt takes a few years to pay down.