One rainy afternoon in Philly, after departing from a lunch meeting  with a colleague, a woman approached me as I turned towards Lancaster Walk. The woman was worn, disheveled, obviously in need. I braced myself for her request:

“S’cuse me, Ma’am. I’m 4 months pregnant and I’m hungry. Can I get some money for a sandwich?”

I looked back at the 7-11 on the corner, and proceeded to make her an offer:

“Well, there’s a 7-11 on the corner. I’d be happy to walk over there with you and get you a sandwich.”

The woman hesitated:

“Well, I wanted to go to 30th street station so I can get out of the rain.” she said.

“You can get the sandwich to go, and still eat at the station.” I proposed.

“Well, see, I wanted to go to the Au Bon Pain in the station. I like their sandwiches.”

I stood back, unable to hide my amusement. I raised a brow at the woman and said:

“Good luck with that.” I turned and continued down Lancaster Walk.

Long before the battle of West Philly Crackheads vs. my ’98 Corolla began, long before the days of getting cuss out by Chicago vagrants (I once offered a homeless dude a dollar after he asked for 87 cents. He told me to fornicate with myself), I shrugged off sidewalk pseudo-philanthropy as a mere trap of middle-class privilege-driven  guilt, and reasoned that I was doing homeless people more harm than good if I gave them money. Still, I would give homeless people money at times.

That was before I went to Ghana, West Africa in June 2008.

I’ll start by saying that Ghana is the most spiritually rich place I’ve ever been. The people there have an openness and commitment to hospitality that is genuine and startling. God is everywhere and everything, and even people in the most desperate of situations know that He has a plan for their lives, and they are grateful. Ghana is also like many developing countries, in that social services are not on par with need. I saw no homeless shelters, soup kitchens or other services for street citizens there. What I did see was real hunger, and real determination. People there asked me for money, but it was often in exchange for something, such as a handmade bracelet.

I got hustled of course, but at least the hustles were creative. While staying in Tamale, a group of young boys from a neighboring village asked me for money for a soccer ball, since their team didn’t have one to practice with. I gave them a Ghanaian dollar. The next day, when my group visited their village, every other young man had the same story: Soccer team needs money for a ball. Why a village with less than 500 people had so many soccer teams is beyond my understanding.  It made me think back to the boys who stood at the intersection of 87th and the Dan Ryan Expressway back home, raising money for their baseball uniforms. I didn’t fault them for their underhandedness because they were truly trying to survive.

Of course there are people who are homeless in America that are not drug addicts, and are in real need, I know that. I also know that the social services we offer to homeless people in the U.S. have their downsides . But here are some unspoken facts about homeless in America:

• Panhandlers make serious tax-free cash: Paul Michael from Wisebread.com wrote a fabulous article about the upsides to living on the street. Some panhandlers make hundreds of dollars a day, tax free. This isn’t hard to believe when you think about how many people pass the average panhandler in a given day, and how many people give them at least a dollar or some change.
• Giving money to panhandlers doesn’t address the root of the problem:
  • Best case scenario: Pregnant homeless woman asks me for a dollar. I give her a dollar. She asks the next person for a dollar, and they give her one as well. Pretty soon, she has enough for a meal. She gets a meal. She eats it. Then she’s back to square one.
  • Worst case scenario: Pregnant homeless woman asks me for a dollar. I give her a dollar. She gets enough people to give her a dollar until she has enough for a dime bag. She buys a dime bag, and a sandwich, if she has enough money left.

The problem with both of these situations is that the woman is not getting help that will get her off the streets for good. She’s not getting help with her addiction, health, job training or housing assistance. There are agencies and charities that provide services like this, and my money would go farther if given to them.

• Giving money to panhandlers absolves us of our role in the problem: Our society is based on a system of power and privilege. Because of this, as hard as it is to face, the fact that someone doesn’t have a place to live or means to support themselves  is directly related to the fact that I do. We’re all interconnected. This also means that I am responsible for thinking of way to become a part of the solution, not the problem.

So, what are some potential solutions?

• Volunteer time and money at a local charity/agency that helps the homeless. Not just money, but time  is important. Many homeless people are looking for services and people that allow them to receive help while maintaining their dignity, such as the Living Room Cafe in Chicago, IL.
• If a homeless person asks you for help, engage them. Don’t just hand over your money. Ask them questions. Ask them what they need to help themselves. A woman once asked me for money to get on the train, so I gave her my weekly pass. She was so moved that she hugged me, because she got what she was actually looking for.

So don’t give into guilt when a panhandler asks you for money. Think of your role in the larger problem of poverty and homelessness. Find comfort in the fact that you have committed to acting in a way that will help that person, and people like them, in the long run.

So I wrote a brief entry about my war with Comcast in a previous post. In my quest to save money, I am having a hard time letting go of Comcast cable, despite the fact that they have provided disappointing customer service on more than a few occasions, and I watch more TV on my laptop than on my TV set.

After dealing with months of unproductive phone calls, rants and threats of cancellation, you can imagine my surprise when a “representative” from Comcast responded with this message:

Thanks for sharing the article. We are working hard to improve the service we provide to our customers. I will make sure that the article is also shared with our local leaders for evaluation. I hope you will the improvements soon.

In regards to your decision in discontinuing service with our company, I just wanted to let you know that we many options/packages that you can pick from to save money.

I understand the need for saving money especially in the economy that we are in. I am sure you can continue to enjoy your Comcast service with a low-rate package. With your permission, I will check with my contacts for low-rate packages in your area that you may be eligible for. If you are interested, please send me the phone number on the account.

Thanks!

Mark Casem
Comcast Corp.
National Customer Operations
We_Can_Help@cable.comcast.com

It’s interesting that Comcast cares enough about their reputation to hire people (or to create “bots”, you decide) to scan the internet for blogs that besmirch their name, but they don’t care enough to not overcharge me by $150 on my first bill, send service people to my house when they say they will, or hire customer service operators who know what they are talking about.

So, Mr. Casem, if you are reading this, I will take you up on your offer. Can you find me a Triple-Play package that cost less than $100 a month?

Stay tuned…

I’ve been struggling to get rid of Comcast since I got it. I don’t need cable, I went 2 years without it in grad school, but I’ve been having a hard time letting it go.
This article was the reality check I needed.

Looking at Your Expenses with New Eyes | Wise Bread.

I found this on Seth Godin’s (Marketing Guru) website. A billionaire is offering start-up money for people who can come up with good business plans. This may not seem like the best time to start a business, but I think we should focus on being producers as well as consumers.

Seth also provides a list of business ideas here

My car was broken into last night. I walked out of my house this morning and saw glass on the ground, my glove compartment rifled through, and my visor pocket (with a few CDs and my insurance card) missing. This is the second time that my car had been broken into in front of my house since I moved to my neighborhood last October. Being mindful, present and all the other new-age things you’re suppose to do is hard when confronted with real-life annoyance.

Unlike last time, however, I got emotional. I felt angry. I felt violated. I even cried for the first time in a long time. But most of all, I felt unwilling to accept the seemingly randomness of this event. In my head, I insisted that this meant something. What was the universe trying to tell me? Had I slipped into non-abundant thinking? Had I slighted someone? Was this a sign that I needed to take some kind of action? What did it mean?

At first, I thought it meant that I needed to move. My personal information was now on the street (along with several CDs from the late 90′s). I called my landlord and told him that I might need to get out of my lease. My landlord (a really good guy, I must say), my cousin, and my friendly neighborhood “pharmacist” assured me that whoever broke into my car was probably an addict, and was not interested in stealing my identity or harming me personally. After reporting the incident to a female cop who did little to hid her amusement at my distress, I went back to the house.

I started breathing and thinking. And thinking. How likely am I to find another beautiful, newly renovated two-bedroom apartment within walking distance of work? My ability to attract things is good, but not that good. Should I get a home alarm system? Then I would need a home phone line. Should I get an alarm system for my car? But I rarely drive. In fact, I drive less than 30 miles a week, and it cost me in insurance premiums and break-ins.

I took another breath. Maybe I should sell my car? It would be nice to have the $140 a month I’m paying for insurance to myself, in addition to the money I’d make from the sell. Philly is a very walkable city, I have a bike, I get a discount for SEPTA through my gig. Why not?

I started to feel better. I’ve been trying to figure out ways to save money. Now, granted, this was a very harsh way for the Universe to get my attention, but it worked.

So I may get rid of my car. I may even start a series call “Car-less in Philly.” Who knows? I bet that supposed fiend who broke into my car didn’t realize he was a part of a larger plan to teach me something. But we all are. I just hope that your next reminder isn’t as costly or annoying as mine was.

20 questions that your financially unprepared friends are afraid of | I Will Teach You To Be Rich.

Here’s an article from one of my favorite money blogs, http://www.iwillteachyoutoberich.com.  The author has a practical approach to  saving money, such as having “no spending days” (my favorite) and negotiating bills and services.
As I get my financial life in order, I find that I need to be honest about where I’m at, and this list is a good start.
Check it out.