It's back to school time around the United States. I see little kids with backpacks and lunch boxes wandering to the school bus. I also see high school kids with no books, no bag, Daddy's nice car, and hoochie wear, ready to use social networking to pass their school time. Somewhere during their twelve or more years of school, some students lose sight of the goal. Kids might graduate, but they have less knowledge than ever, fewer analytical skills, and scant problem-solving abilities.
Schools are funded by different methods in different parts of the country. In Ohio, schools are primarily funded through state funds, allocated per pupil and collected in a variety of taxes. Schools are secondarily funded through property taxes voted on at the district level. With over 600 public school districts in Ohio, the funding formulas are each uniquely based on property values, which affects residents' perceptions of the quality of education. A house in a district with an excellent rating can cost multiples more than the same house in a poor or continuous-improvement district. Even given the 1997 Ohio Supreme Court School Funding Decision known as the DeRolfe Decision, the state of Ohio has yet to fix the school funding problem. Twelve years have passed with school being funded unconstitutionally, with the express knowledge that it is wrong.
If you use rent-to-own stores or check cashing locations, the state of Ohio wants to regulate how much money can be charged to you for these services. People assume that the poor or lower classes are being taken advantage of. That is just not the case. The chronic poor are poor for a reason. Some things in life are ruled by limiting factors. Much like a reagent in chemical reaction, a limiting factor affects the rate of the chemical reaction. A limiting factor can be food shortages or water shortages in an ecosystem. Just as the size of your stomach limits the amount of food you can eat at one sitting, the amount of education your absorb and utilize is a huge limiting factor to the quality of success and survival in society. If you learned the minimum, and your primary educational objective was to warm a seat and barely graduate, your future opportunities are severely limited. You need not excel in formal education, but an attitude of life-long learning is key. And unfortunately, if your parents have imposed the limiting factor of apathy regarding their child's education, it continues for multiple generations. Dumb + dumb = more and more dumb.
There are people in our society who will never manage their money. They are impulsive, perhaps gambling or unable to self-soothe while they wait for a purchase. There is a segment of our society who will not plan, will not pay back loans, will have poor credit, and will seem to be taken advantage of. A closer look would show that some Americans are indulgent, complaining that they cannot afford health care while spending hundreds of dollars a month on cigarettes, alcohol, cell phones, cable TV, and flat-screen televisions. It seems to me that if these daily cushies are more important than health care, then we cannot also listen to the poor me complaints. You have shown what is most important to you with your wallet.