I am in the process of applying for PhD programs, and while I was getting things ready for my Duke application, I came across an article on the Psychology Today website that was both disgusting and gratifying, in an odd way: It reported about and New York ad agency using homeless people being used as objects.

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Great is our sin.

If the misery of the poor be caused not by the laws of nature, but by our institutions, great is our sin.  ~Charles Darwin

Five myths about the poor

There is an article a friend posted on Facebook that highlights five myths about the poor, and boy are they true.  I see this in my work, with my clients, and the research I read. The article mentioned these myths and explained and gave proof for them, so I won’t do that here, but I am adding my own thoughts given my own experience and observations.

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Three things I learned at a CFPB financial empowerment toolkit training.

I’m in a city that is using a financial empowerment toolkit assembled by the Consumer Financial Protection Bureau. The training wasn’t quite as advanced as I was hoping for, but I’m glad I went. There were at least three things I learned during this training that I didn’t realize.  There might be more, but I haven’t used the toolkit yet.

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Declaration of the rights of a child – Adult version

I was reading an old online travelblog of a woman who had been a Peace Corps Volunteer in Romania, she posted the UN Declaration of the Rights of a Child, an abridged version. I didn’t realize there was such a thing (silly me) and looking them over makes me introspective.  I wonder how, though they’re given for children, how they might translate for adults.

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Versatile Blogger Award – Woot!

What a treat!  Fellow blogger Mollygreye nominated me for the Versatile Blogger Award, and I’m am so excited – it’s my first time having been nominated for something on here.

So, I saw that she nominated me and was happy that now I have a little icon to put on the side of my blog, but I also assumed that there were some expectations of me in order to fly that little banner. I did some looking around on the WP-sphere, and I might be wrong, but it seems that now I need to do two things: To list seven facts about myself, presumably about things I haven’t or wouldn’t normally share in my blog posts, and then nominate 15 bloggers for this award.

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Social Cost of Payday Lending, Part II

Payday loans cost the U.S. economy nearly $1 billion and thousands of jobs in 2011, according to a report from the Insight Center for Community Economic Development

From an CNBC article in May. (http://www.cnbc.com/id/100701516)

Yay! I am so pleased to see reports of a study like this, to know that more work has been done.

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