You Don't Have to Be Poor: So Plan Your Future

 
9780692410011: You Don't Have to Be Poor: So Plan Your Future
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"You Don't Have to be Poor" is a book addressing perhaps the most important component of life for the individual or family. Financial security or the lack thereof is the main factor in the breakdown of families, affecting both mental and physical health. It is not a simple manual on how to become wealthy. It is not just a manual of merely preparing a budget designed to lift the reader from poverty. The theoretical basis of building wealth from a Biblical and a commonsense approach to provide financial guidance is found in this book. Those who don't have a theoretical background of what the government can do and can't do may foster and maintain a mindset of dependence on social programs. The responsibility and accountability of the individual is outlined from a Biblical and a practical standpoint. When given only tools for preparing a budget without addressing root causes of poverty and the characteristics of those who build wealth, one is prone to fall back on old habits. Some will lapse into the same approach to life that was previously unsuccessful. A practical education in the economy of the country and about the world is included to provide the reader of the complexities of a global economy for which we all must prepare to insure the future of our families and our country. Decisions must be made daily that influence the financial standing of everyone, based on future goals. Biblical scriptures address these problems for everyone and perhps leaders of entire countries. Common sense approaches to personal finance based on Scripture from thousands of years ago is stressed, and simple basics have not changed since. It is imperative that habits of sound financial practices become a part of one's daily existence. Each decision should be prayerfully considered, and a budget built from at least a year of transactions should be a guide for making prudent plans. Christians must care for others and provide advice and aid as needed, based on Biblical commands to give to the poor and to help those unable to help themselves. Learning based upon the Scriptures and practical expertise should engage the same approaches when preparing a realistic budget. The focus of this book is not to merely provide handouts but to teach the individual or family to begin a journey leading to financial security, rising from the ranks of the poor through individual effort.

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About the Author:

Dr. Ridley is a son of the mountains of South Carolina (yes, there are mountains there). From an early age, he developed a love of people and due to a poverty-stricken childhood, realized that it was good to be able to eat and to stay warm in the winter. The latter was learned while delivering newspapers at 5-6 AM for a number of years. These hardships honed his desire to pursue a vocation where he could assist others to obtain a better life, perhaps better than they had ever dreamed. The author is now a retired professor and college administrator who has worked with the young and the not so young in counseling them to insure that their lives were secure from an educational, financial and spiritual perspective. With experience during the Vietnam war as an enlisted soldier and then Desert Storm, rising to the rank of Colonel, he has spent a lifetime of service to others faced with a wide variety of dissimilar challenges. This broad base of experience gives the author a unique blend of practical and academic experience with which to address many of the problem areas of many lives. Many people need the supportive body of Christ, the Church, which can minister in a number of roles which the churches can fill. Unfortunately, most people never prepare for their life’s work, but often just fall into a job and may never leave it, regardless of the undesirable characteristics of the position. This leaves them in a precarious position at retirement, where Social Security will not provide any level of security, nor was it intended to be the only retirement fund for those who are no longer working. In part due to personal challenges in his life, Dr. Ridley sought and obtained a doctorate degree in Health and Human Services, where most of his education was obtained at the University of Georgia. As an author of several textbooks and one novel, the author then attended a number of financial seminars and church training groups which were greatly aided by some of his coursework in accounting and business management. After spending years of individual volunteer counseling and aiding others in establishing workable budgets, and accompanied by church service in a number of volunteer roles, the author has written a book entitled You Don't Have to be Poor. Those who understand the basics of economics in the US and the world are few and far between.

Excerpt. Reprinted by permission. All rights reserved.:

What is the Definition of Being Poor?

The most common condition to which most attribute a state is being poor is a lack of money. Being poor will mean different things to different people. It is often related to the geographic location in which one lives where the amount of money or property owned or earned may be relative to varying costs of living. However, most statistics do not take these factors into consideration, since calculating the differing costs of goods and services may deviate widely from the mean or median averages. The amount of money required to live in various parts of the world is relative since the costs of certain items and services vary widely from region to region. But we are speaking primarily of the United States with respect to this writing. A large amount of political fodder is gained during each political election campaign by catering to the poor and promising to take more money from the 'rich' and giving it to the poor.
All the political parties in the United States, particularly the two dominant ones, lay all the blame for individual and federal financial shortcomings on policies by the political party in power. When the election results in a change from one party to another, the cycle is repeated and when the newness wears off with regard to the new political party in office, the blame cycle starts again. It is frequently heard that the problems of individuals and families without sufficient income is the fault of the political party in power or the greedy owners and managers of businesses, who may be blamed for allowing workers to become poor or remain 'poor.' I hope to convince the readers that neither of these assertions is completely accurate.
How is Being Poor or Living in Poverty Defined?
So what is meant when the term “poor” is used? In 2012, figures were compiled by various offices in the federal government and by studies conducted by universities, study groups and charitable organizations. This variety of sets of data were then used to determine the parameters of being poor or in poverty. Later in this work the differences distinguishing the variations between being poor or in poverty will be made. So utilizing information from a variety of sources, the amount of an annual income of $23,050 was set in 2012 as the thresh-hold for determining those living in poverty. There may be a fine line between being poor or living in poverty, as some who are poor may also be constrained by the low level of income as reported here for those in poverty. But poverty is much more complex and presents a whole set of problem areas that is much more difficult to break than for those that are classified as being poor.
But the amount of income that is necessary to maintain the basics of life may be somewhat higher in some areas of the country than in other areas. The threshold amount will also depend upon the circumstances in which a family lives. The required amount is sometimes less than the figure provided in the previous paragraph, and a lower amount may be sufficient for providing an adequate diet and other costs of living such as shelter, clothing, and transportation, etc. Sometimes a support system will be in place for some families that will provide for the basic requirements for living without a large cash outlay by the individual or family that is in financial straits. And some families and individuals are better equipped to live a frugal existence and can live on less than others and, while not prospering, give the appearance of being somewhat comfortable and self-sufficient. More will be said later about this topic, where families analyze and budget their money in order to avoid shortfalls of cash when emergency situations arise.
Essentially, people who have a low income are described as being poor, although they may not outwardly appear to be financially challenged. Some are heavy borrowers and maintain a facade of doing well, but eventually the bills will come due and the result may be catastrophic. There are many causes of being poor and may result from the choice of a career and hard economic situations existing because of a number of factors beyond control of the individual or any number of circumstances. At least in some cases, the condition of being poor will be a temporary state since many people find themselves in this condition only due to an often sudden change or a combination of changes that affects their income levels. These families or in some cases, individuals, may be able to escape the condition rapidly through individual efforts, but will sometimes require external help in order to escape from the condition(s) that relegated them to the status of being poor.
However, they are as likely as those earning higher incomes to maintain aspirations and dreams that lead them to strive for the future and affords hope for many poor people. They may value education for the future benefits it affords rather than focusing merely on surviving from moment to moment or day to day. Some who are temporarily poor may have invested in a home or property where income will eventually be realized and will provide an opportunity toward improving their financial status for the long term.
The meaning of the term “poverty” is a condition which is sometimes mistakenly considered as essentially the same as being poor. There is a major difference in the two conditions, where the mental state of those in poverty allows little hope or chance of escaping the condition in which they find themselves. And those living in poverty most often have only a survivalist attitude. They possess the mindset that there is absolutely no hope or at least minimal hope that they can ever escape the shackles of poverty. Unlike the poor, they are unwilling or cannot even envision the possibility of sacrificing today for a better life tomorrow.
For instance, unlike the group labeled as simply “poor,” those in poverty would not entertain the idea of even one member of the family attempting to achieve further education, even though avenues of help may be available for financing education. In some states, programs exist that are virtually free and may even provide a stipend for those in poverty who are seeking training or education, or a combination of both, to enable them to eventually live in better circumstances. People living in poverty may be extremely mobile out of necessity because they might have been forced into displacement for a number of reasons. This group of people will often move in with various relatives and friends who may soon tire of their crowded homes and scarce resources and will send these visitors away at a moment's notice, often resorting to a violent means of eviction.
Sometimes those who are fortunate enough to have enjoyed a rental house for a time may be able to move everything they own within 24 hours or less when they are unable or in some cases unwilling to pay their rent or utilities. And to exacerbate the condition, it may be difficult to impress upon children who are living in poverty of the value of continuing the educational route provided to them by the state and local government. The adults of these families cannot conceive of sacrificing today in order to gain an education for some uncertain day in the future.

Are the Conditions of Poverty and Being Poor the Same?
A portion of the conditions those who are poor and those who are suffering from poverty may be the same. But those who are poor find it easier to improve their financial lot than those living in poverty and have perhaps not beaten themselves down due to financial difficulties, which they may perceive as temporary. There are assuredly some individuals and families who are poor or living in poverty that are enduring less than ideal conditions as a result of conditions beyond their control such as bad luck, loss of a job, death of the primary provider for the family, regional economic conditions, or otherwise.
There may also be little hope for permanent solutions to poverty due to unchangeable factors such as age, mental and physical challenges that may restrict the individual's ability to find and maintain a steady job. These limiting factors when placed upon one already unable to work may also increase the burden for families who may be responsible for providing for other family members who are unable to care for themselves. Such boundaries may provide such an impossible burden that outside help is the only answer and as responsible citizens and perhaps Christians, we must step in and help.
A persistent problem that has increased in today's society is that of having children without any possibility of outside help for childcare, which is most often a considerable expense. In some of these cases it is cheaper to stay home with younger children than to find affordable child care while holding a job. This absolutely limits the economic choices for a growing segment of our population, especially for single women who are the head of a household. In addition, having large numbers of dependents, both children and older persons, will increase the costs of daily living even for those who have a steady job. These increased costs are frequently due to the need for a larger dwelling, more food and increased utility costs. There may be more need for transportation and medical needs, along with all the attendant miscellaneous items required by a household of larger groups of people.
As was previously stated, the basic condition ascribed to that of being classified as poor is based upon an income that is inadequate for maintaining the basic needs for sustaining life for oneself or one's family. So, the simple answer would be to increase the income by some means of the poor individual, but that is easier said than done. As a member of the poor segment of the population, the fact that an individual is poor is often related to choices made years before, and by extension would affect the individual's family as well. Choices or in some cases the lack of the choice of a career field has the greatest single impact on an individual's income.
Many “fall” into a job for convenience without making a conscious choice to gain a meaningful and financially rewarding career. This convenient acceptance of a position with low wages and lack of promotion potential leads to a dead-end job where one is likely to remain for an entire working career if no effort is made to improve upon what one currently has. These jobs are most often entry level positions requiring few skills, little or no training and a low level of responsibility. This combination offers a low salary and perhaps few if any expanded benefits beyond a paycheck, and almost assuredly no possibility of a promotion.
And in a frequent occurrence in today's society, divorce or separation often relegates the caretaker of any children resulting from the union to a lower lifestyle. In addition, many couples now cohabit without benefit of any religious or governmental seal of approval, and partners feel free to leave at any time. Those who leave suffer no financial burden and often little remorse for those adults or children left behind. The basic costs of living certainly are not diminished to any great extent for a single parent when compared with that required for a couple who have children.
So it is important to distinguish between being poor and being poverty stricken, as being poor is in a number of cases a temporary situation rather than a chronic condition. In many cases, those who are temporarily categorized as being poor know or have a reasonable expectation that they will escape the privation of being poor sometime in the future. However, poverty seldom allows for any realistic chance for escaping the bonds of poverty without a great deal of effort and sacrifice. And this lack of the basic necessities for life may result in the children born into poverty to be without the incentive to strive to exceed the accomplishments of their parent(s). Children that are born into poverty almost without fail also feel powerless to change their life's condition, and these offspring tend to repeat the mistakes of their parents. Children living in poverty are less likely to complete high school than those who are merely poor, and often the young women become pregnant at an early age, and the young men of these families enter a life of crime at an early age.
So we should consider poverty as much more challenging, and much more difficult to eradicate than enabling the poor to move up economically. Again, poverty includes a complex set of conditions which may have persisted for generations in some families. In 2012, it was estimated that the poverty level as reported by the US Census Bureau was 16 percent. Of this number, almost 20 percent were children and current trends seem to show an increasing number of adults and children who live in poverty. The emotional scars of being born into poverty, with little hope of bettering one's life, are difficult to heal, even with an infusion of governmental assistance.
Ironically the programs which provide financial support for people without including supportive means to remedy the situations which led to poverty are put in place will not achieve the desired effect. Financial help alone will in most cases only exacerbate the condition. Human nature tends to seek the path of the least resistance, and some receiving what is commonly known as welfare will become permanently dependent upon governmental aid as a way of life. Then this expectation for financial support without working may be passed on to the offspring as a reasonable alternative lifestyle. But it is difficult to stand by as children are not fed and do not have adequate housing, and have little or no healthcare, since they themselves are too young to take any steps to escape from these desperate conditions. From 2009, the unadjusted rates of poverty by state in the US, ranged from 5.6 – 20.7 percent (2012 Statistical Abstract, US Census Bureau)!

Stresses of Being Poor
The biggest single cause for marriage failure is that of poverty or at least being included in the ranks of the poor. An old saying is, “When poverty comes in the front door, love goes out the back door!” Being in the ranks of the poor is at an epidemic level today (2014). So it is appropriate to address the psychological and physical components of being poor or in poverty to make a long term change in the lives of the poor. Otherwise, they will always be in a state of wanting for food, shelter, transportation, clothing, and other essentials of life.
The physiological effects of being poor and undergoing the attendant stresses associated with the condition of being without the basic necessities of life are inestimable. These stresses are so significant that studies indicate that they can affect the brain development of those who don't have money for rent, utilities and don't know from where the next meal will come. The stress of being poor as researched by Professor Gary Evans of Cornell University shows that the more stress a child is under, the more the short term memory is adversely affected. Short term memory is extremely important in the classroom where concepts are built upon to form permanent learning. Laboratory testing of blood samples from children experiencing the effects of poverty showed significant changes in several stress hormones, the blood pressure, and an increase in body mass index (BMI) leading to serious levels of obesity that can cause lifelong diseases. And of course obesity is rampant among the poor today.
For many persons, it seems that having more money would be the answer to all of life's problems. But having more money is not the cure all for all the problems experienced in life. It certainly does not indicate that more money is a prescription for happiness....

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Book Description Revival Waves of Glory Ministries, United States, 2015. Paperback. Condition: New. Language: English . Brand New Book ***** Print on Demand *****. You Don t Have to be Poor is a book addressing perhaps the most important component of life for the individual or family. Financial security or the lack thereof is the main factor in the breakdown of families, affecting both mental and physical health. It is not a simple manual on how to become wealthy. It is not just a manual of merely preparing a budget designed to lift the reader from poverty. The theoretical basis of building wealth from a Biblical and a commonsense approach to provide financial guidance is found in this book. Those who don t have a theoretical background of what the government can do and can t do may foster and maintain a mindset of dependence on social programs. The responsibility and accountability of the individual is outlined from a Biblical and a practical standpoint. When given only tools for preparing a budget without addressing root causes of poverty and the characteristics of those who build wealth, one is prone to fall back on old habits. Some will lapse into the same approach to life that was previously unsuccessful. A practical education in the economy of the country and about the world is included to provide the reader of the complexities of a global economy for which we all must prepare to insure the future of our families and our country. Decisions must be made daily that influence the financial standing of everyone, based on future goals. Biblical scriptures address these problems for everyone and perhps leaders of entire countries. Common sense approaches to personal finance based on Scripture from thousands of years ago is stressed, and simple basics have not changed since. It is imperative that habits of sound financial practices become a part of one s daily existence. Each decision should be prayerfully considered, and a budget built from at least a year of transactions should be a guide for making prudent plans. Christians must care for others and provide advice and aid as needed, based on Biblical commands to give to the poor and to help those unable to help themselves. Learning based upon the Scriptures and practical expertise should engage the same approaches when preparing a realistic budget. The focus of this book is not to merely provide handouts but to teach the individual or family to begin a journey leading to financial security, rising from the ranks of the poor through individual effort. Seller Inventory # APC9780692410011

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Book Description Revival Waves of Glory Ministries, United States, 2015. Paperback. Condition: New. Language: English . Brand New Book ***** Print on Demand *****. You Don t Have to be Poor is a book addressing perhaps the most important component of life for the individual or family. Financial security or the lack thereof is the main factor in the breakdown of families, affecting both mental and physical health. It is not a simple manual on how to become wealthy. It is not just a manual of merely preparing a budget designed to lift the reader from poverty. The theoretical basis of building wealth from a Biblical and a commonsense approach to provide financial guidance is found in this book. Those who don t have a theoretical background of what the government can do and can t do may foster and maintain a mindset of dependence on social programs. The responsibility and accountability of the individual is outlined from a Biblical and a practical standpoint. When given only tools for preparing a budget without addressing root causes of poverty and the characteristics of those who build wealth, one is prone to fall back on old habits. Some will lapse into the same approach to life that was previously unsuccessful. A practical education in the economy of the country and about the world is included to provide the reader of the complexities of a global economy for which we all must prepare to insure the future of our families and our country. Decisions must be made daily that influence the financial standing of everyone, based on future goals. Biblical scriptures address these problems for everyone and perhps leaders of entire countries. Common sense approaches to personal finance based on Scripture from thousands of years ago is stressed, and simple basics have not changed since. It is imperative that habits of sound financial practices become a part of one s daily existence. Each decision should be prayerfully considered, and a budget built from at least a year of transactions should be a guide for making prudent plans. Christians must care for others and provide advice and aid as needed, based on Biblical commands to give to the poor and to help those unable to help themselves. Learning based upon the Scriptures and practical expertise should engage the same approaches when preparing a realistic budget. The focus of this book is not to merely provide handouts but to teach the individual or family to begin a journey leading to financial security, rising from the ranks of the poor through individual effort. Seller Inventory # APC9780692410011

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Book Description Revival Waves of Glory. Paperback. Condition: New. 236 pages. Dimensions: 9.0in. x 6.0in. x 0.5in.You Dont Have to be Poor is a book addressing perhaps the most important component of life for the individual or family. Financial security or the lack thereof is the main factor in the breakdown of families, affecting both mental and physical health. It is not a simple manual on how to become wealthy. It is not just a manual of merely preparing a budget designed to lift the reader from poverty. The theoretical basis of building wealth from a Biblical and a commonsense approach to provide financial guidance is found in this book. Those who dont have a theoretical background of what the government can do and cant do may foster and maintain a mindset of dependence on social programs. The responsibility and accountability of the individual is outlined from a Biblical and a practical standpoint. When given only tools for preparing a budget without addressing root causes of poverty and the characteristics of those who build wealth, one is prone to fall back on old habits. Some will lapse into the same approach to life that was previously unsuccessful. A practical education in the economy of the country and about the world is included to provide the reader of the complexities of a global economy for which we all must prepare to insure the future of our families and our country. Decisions must be made daily that influence the financial standing of everyone, based on future goals. Biblical scriptures address these problems for everyone and perhps leaders of entire countries. Common sense approaches to personal finance based on Scripture from thousands of years ago is stressed, and simple basics have not changed since. It is imperative that habits of sound financial practices become a part of ones daily existence. Each decision should be prayerfully considered, and a budget built from at least a year of transactions should be a guide for making prudent plans. Christians must care for others and provide advice and aid as needed, based on Biblical commands to give to the poor and to help those unable to help themselves. Learning based upon the Scriptures and practical expertise should engage the same approaches when preparing a realistic budget. The focus of this book is not to merely provide handouts but to teach the individual or family to begin a journey leading to financial security, rising from the ranks of the poor through individual effort. This item ships from multiple locations. Your book may arrive from Roseburg,OR, La Vergne,TN. Paperback. Seller Inventory # 9780692410011

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