In a message dated 5/25/2006 2:38:29 P.M. Central Daylight Time, bruce@xxxxxxxxxxxxxx writes: A nagging question: do 'own' and 'have' here mean 'fully paid for' - or do these things really (fully or partly) belong to the banks, credit card companies, loan agencies and other corporations that extended the credit for their purchase? Hi, That is a great question. The 2005 Kids Count database of statistics is now out--it's a great resource to really see what the world of children is like in the United States. _http://www.kidscount.org_ (http://www.kidscount.org/) (The Annie E Casey Foundation) _http://www.aecf.org/kidscount/sld/databook.jsp_ (http://www.aecf.org/kidscount/sld/databook.jsp) They also have some other publications. Here are some other aspects of living in the USA as a new or soon-to-be poor person -- and how it happens. Highly recommend these for those who are part of the Heritage Foundation. Wonder if they are part of the predatory lender world (see last piece for info on what is happening to the poor or soon-to-be-poor who 'own' their own homes...for the moment.) or own the PayDay Loans...(though I have heard that at least in this area the 'North of the River" bunch which historically was part of the Mafiosi own them...and it's now legal to gauge people like this...) Big business, though. Not quite as lucrative as the Corporate Welfare we have going on (talk about Entitlements! Mikey only touched on *some* of the businesses in that welfare world--wow.) I have been reading SOS and then took a break with another title on my list -- and it kind of matched some of this conversation. I have written several posts -- need to clean up at least one of them one of these moments! Maybe later. Probably by the time we've moved onto the next thread, though! Best, Marlena in Missouri _http://www.aecf.org/publications/advocasey/winter2005/index.htm_ (http://www.aecf.org/publications/advocasey/winter2005/index.htm) The Poor Pay More: Financial Drains on Low-Income Families Double-Jeopardy: Why the Poor Pay More "Chances are, if you live on the wrong side of the tracks or earn a modest hourly wage, youâre paying higher prices than the rest of us, and youâre imperiled by deceptive money traps that can bust your budget and drain your savings." Paycheck Poverty IN SEARCH OF ALTERNATIVES TO PAYDAY LENDING Payday loansâdeceptively expensive short-term cash advance loansâare sweeping the nation and snaring countless borrowers in a spiral of debt. Two credit unions have stepped forward to compete with the payday lenders. How well are they faring? Deals on Wheels EXPANDING AUTOMOTIVE OPPORTUNITY IN NEW ENGLAND Throughout most of America, if you want to keep a job, you need to own a car and keep it running. Two New England projects are helping low-income workers meet the challengeâemploying radically different approaches. LEADING THE CHARGE AGAINST PREDATORY MORTGAGE LENDING Begun with a bake sale in 1980, a North Carolina nonprofit is standing up against predatory lendingâpushing through needed reforms and developing creative lending strategies to make affordable mortgages more available for low-income homebuyers. There are pdfs for all of those...