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	<title>Comments on: How Would Panhandlers Use Free Credit Cards?</title>
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	<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/</link>
	<description>Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.</description>
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		<title>By: Bill</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-771362</link>
		<dc:creator>Bill</dc:creator>
		<pubDate>Thu, 23 Sep 2010 03:19:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-771362</guid>
		<description>Maybe it&#039;s just the cynic and former police dispatcher in me talking, but I&#039;d *never* show anyone on a public street that I&#039;m carrying cash on my person.

Consider this...one &quot;homeless&quot; person gets you to open your wallet (the Scout, if you will), then flashes a hand signal to their partner down the block.  You walk on down the street proud of your generosity, only to get hit in the head at the end of the block, and your purse/wallet stolen.

My charity goes to reputable aid agencies...just way too much risk in advertising your funds on a public thoroughfare.</description>
		<content:encoded><![CDATA[<p>Maybe it&#8217;s just the cynic and former police dispatcher in me talking, but I&#8217;d *never* show anyone on a public street that I&#8217;m carrying cash on my person.</p>
<p>Consider this&#8230;one &#8220;homeless&#8221; person gets you to open your wallet (the Scout, if you will), then flashes a hand signal to their partner down the block.  You walk on down the street proud of your generosity, only to get hit in the head at the end of the block, and your purse/wallet stolen.</p>
<p>My charity goes to reputable aid agencies&#8230;just way too much risk in advertising your funds on a public thoroughfare.</p>
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		<title>By: Thad</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-727402</link>
		<dc:creator>Thad</dc:creator>
		<pubDate>Wed, 08 Sep 2010 17:13:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-727402</guid>
		<description>Living in the UK has made me cynical about many &quot;homeless&quot; people that I meet.  Let me explain what I witnessed in Oxford ... I lived in Oxford for over 5 years and knew a large number of the &quot;homeless&quot; sellers of the Big Issue (which is a great magazine but some people use it as a crutch to support themselves instead of finding a permanent job or seeking the help they really need).  Not only did I recognize them but several of them, including the one outside of my local grocery store, recognized me!  Several of these individuals worked the same corners/spots for YEARS and were not really homeless but panhandled/sold the big issue as their main source of income.

Personally, I never give to charity-cases on the street, on the phone, or at my door.  When I give to charity, it is on my own terms and to causes that I feel need my support.</description>
		<content:encoded><![CDATA[<p>Living in the UK has made me cynical about many &#8220;homeless&#8221; people that I meet.  Let me explain what I witnessed in Oxford &#8230; I lived in Oxford for over 5 years and knew a large number of the &#8220;homeless&#8221; sellers of the Big Issue (which is a great magazine but some people use it as a crutch to support themselves instead of finding a permanent job or seeking the help they really need).  Not only did I recognize them but several of them, including the one outside of my local grocery store, recognized me!  Several of these individuals worked the same corners/spots for YEARS and were not really homeless but panhandled/sold the big issue as their main source of income.</p>
<p>Personally, I never give to charity-cases on the street, on the phone, or at my door.  When I give to charity, it is on my own terms and to causes that I feel need my support.</p>
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		<title>By: Nicole</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-716862</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Sun, 05 Sep 2010 22:55:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-716862</guid>
		<description>I like to give money to battered women&#039;s shelters and school food (backpack) programs.  I feel a lot better about directing my feeding the homeless dollars in those directions.</description>
		<content:encoded><![CDATA[<p>I like to give money to battered women&#8217;s shelters and school food (backpack) programs.  I feel a lot better about directing my feeding the homeless dollars in those directions.</p>
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		<title>By: Funny about Money</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-716392</link>
		<dc:creator>Funny about Money</dc:creator>
		<pubDate>Sun, 05 Sep 2010 18:53:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-716392</guid>
		<description>A police officer was enrolled in one of my Arizona State University classes when this subject came up. She advised that one &lt;i&gt;not&lt;/i&gt; give money to panhandlers, because most of them are drug users hustling money to snort up their noses or shoot up their veins.

Here in Phoenix, one woman famously handed a bag of groceries to a panhandler standing by the road displaying a &quot;Will work for food&quot; sign. He threw it back at her, accompanied by a stream of invective.

While it&#039;s true that, especially when times are as hard as they are now, many people are homeless through no fault of their own, most people who beg for money on street corners don&#039;t plan to spend it on baby&#039;s shoes.</description>
		<content:encoded><![CDATA[<p>A police officer was enrolled in one of my Arizona State University classes when this subject came up. She advised that one <i>not</i> give money to panhandlers, because most of them are drug users hustling money to snort up their noses or shoot up their veins.</p>
<p>Here in Phoenix, one woman famously handed a bag of groceries to a panhandler standing by the road displaying a &#8220;Will work for food&#8221; sign. He threw it back at her, accompanied by a stream of invective.</p>
<p>While it&#8217;s true that, especially when times are as hard as they are now, many people are homeless through no fault of their own, most people who beg for money on street corners don&#8217;t plan to spend it on baby&#8217;s shoes.</p>
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		<title>By: Olivia</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-713412</link>
		<dc:creator>Olivia</dc:creator>
		<pubDate>Sun, 05 Sep 2010 01:09:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-713412</guid>
		<description>During my poor art student days I was approached by a panhandler, I only had change and gave it all to him. He didn&#039;t appreciate it. From that time on if someone said they were hungry or cold I&#039;d take care of the immediate need, but I&#039;d tell them I don&#039;t give out money. Most people were happy for a sandwich or a cup of coffee, the ones that wanted money for other things would refuse. 

I met a really young guy from the south who was asking for food in Grand Central Station. I got each of us a knish and we ended up talking for over a half hour. He really seemed to need that kind of human interaction. 

Sure be wary, if someone gives you the creeps, be cautious, but as someone else said, remember you are dealing with real people.</description>
		<content:encoded><![CDATA[<p>During my poor art student days I was approached by a panhandler, I only had change and gave it all to him. He didn&#8217;t appreciate it. From that time on if someone said they were hungry or cold I&#8217;d take care of the immediate need, but I&#8217;d tell them I don&#8217;t give out money. Most people were happy for a sandwich or a cup of coffee, the ones that wanted money for other things would refuse. </p>
<p>I met a really young guy from the south who was asking for food in Grand Central Station. I got each of us a knish and we ended up talking for over a half hour. He really seemed to need that kind of human interaction. </p>
<p>Sure be wary, if someone gives you the creeps, be cautious, but as someone else said, remember you are dealing with real people.</p>
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		<title>By: Martha</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-708772</link>
		<dc:creator>Martha</dc:creator>
		<pubDate>Fri, 03 Sep 2010 18:14:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-708772</guid>
		<description>Once I saw a nervous-looking woman panhandling at an intersection, accompanied by her two small children.  I gave her five dollars and she burst into tears.  They were real tears, too, trust me.  

I would rather make the mistake of giving to someone who doesn&#039;t really need it rather than make the mistake of not helping someone who really does need it.  Others may choose differently.</description>
		<content:encoded><![CDATA[<p>Once I saw a nervous-looking woman panhandling at an intersection, accompanied by her two small children.  I gave her five dollars and she burst into tears.  They were real tears, too, trust me.  </p>
<p>I would rather make the mistake of giving to someone who doesn&#8217;t really need it rather than make the mistake of not helping someone who really does need it.  Others may choose differently.</p>
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		<title>By: Julie</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-707212</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Fri, 03 Sep 2010 04:42:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-707212</guid>
		<description>Giving money to beggars just feeds addiction and breeds laziness.  Instead, your money will do a lot more good given to organizations that SERVE the homeless.  That $21 meal (!) could have made 3 pots of a healthy stew and fed 50 rather than one.</description>
		<content:encoded><![CDATA[<p>Giving money to beggars just feeds addiction and breeds laziness.  Instead, your money will do a lot more good given to organizations that SERVE the homeless.  That $21 meal (!) could have made 3 pots of a healthy stew and fed 50 rather than one.</p>
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		<title>By: Claire</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-706852</link>
		<dc:creator>Claire</dc:creator>
		<pubDate>Fri, 03 Sep 2010 02:34:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-706852</guid>
		<description>The day I saw a local panhandler in a grocery store buying alcohol was the day I stopped ever considering giving money to panhandlers (and I had on occasion).</description>
		<content:encoded><![CDATA[<p>The day I saw a local panhandler in a grocery store buying alcohol was the day I stopped ever considering giving money to panhandlers (and I had on occasion).</p>
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		<title>By: Steve</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705712</link>
		<dc:creator>Steve</dc:creator>
		<pubDate>Thu, 02 Sep 2010 22:10:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705712</guid>
		<description>I kept hearing the same two stories from the &quot;homeless&quot; downtown in my city -- they either needed money for the bus (and when you give them bus fare they go in the opposite direction of the bus station that is a block away) or coffee.

An earlier poster stated that addiction made alcohol and drugs a need rather than a want. Perhaps, I&#039;m not going to subsidize that need.</description>
		<content:encoded><![CDATA[<p>I kept hearing the same two stories from the &#8220;homeless&#8221; downtown in my city &#8212; they either needed money for the bus (and when you give them bus fare they go in the opposite direction of the bus station that is a block away) or coffee.</p>
<p>An earlier poster stated that addiction made alcohol and drugs a need rather than a want. Perhaps, I&#8217;m not going to subsidize that need.</p>
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		<title>By: Kathy F</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705482</link>
		<dc:creator>Kathy F</dc:creator>
		<pubDate>Thu, 02 Sep 2010 20:43:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705482</guid>
		<description>I have worked in the Washington DC area for 25 years and used to give $ to panhandlers, but no more.  Heard the same sob story too many times.  The guy from WV who has his family in a car a few blocks away, they are here looking for work and they are out of gas and need money. (The guy did not remember that he accosted me and gave the same spiel two weeks before).  The bicycle courier who got hit by a car and needs cab fare to go home as he shows you his damaged bike. ( Heard this story about 3 times).  The mothers holding babies saying they need money for asthma medication for the child.  The same guy at the Pentagon metro station who asks for money to buy a farecard on several occasions.  

Some panhandlers have been aggressive like trying to block your walking path as you are trying to go into a nighclub (this happened years ago) and one partially blocked me as I tried to get off the Metro station escalator. When I silently glared at him, he taunted &quot;Cat got your tongue?&quot; so I said F___ you.  Of course, then he went off verbally on me. One woman to whom I gave money late one night at a 7-11 in Virginia then tried to talk me into taking her and her male companion (who materialized from nowhere) somewhere in my car, which I no can do.  

I work in Downtown DC in a federal office building.  I could not figure out at first when I started working in this building why so many panhandlers were on our block in front of the building.  Then I learned that there is a liquor store about a block away.  I too also have donated money to local food kitchen, So Others May Eat (SOME).  I did not know that they had cards you could hand out, but I believe that most panhandlers just want the money for alcohol, cigs or drugs.</description>
		<content:encoded><![CDATA[<p>I have worked in the Washington DC area for 25 years and used to give $ to panhandlers, but no more.  Heard the same sob story too many times.  The guy from WV who has his family in a car a few blocks away, they are here looking for work and they are out of gas and need money. (The guy did not remember that he accosted me and gave the same spiel two weeks before).  The bicycle courier who got hit by a car and needs cab fare to go home as he shows you his damaged bike. ( Heard this story about 3 times).  The mothers holding babies saying they need money for asthma medication for the child.  The same guy at the Pentagon metro station who asks for money to buy a farecard on several occasions.  </p>
<p>Some panhandlers have been aggressive like trying to block your walking path as you are trying to go into a nighclub (this happened years ago) and one partially blocked me as I tried to get off the Metro station escalator. When I silently glared at him, he taunted &#8220;Cat got your tongue?&#8221; so I said F___ you.  Of course, then he went off verbally on me. One woman to whom I gave money late one night at a 7-11 in Virginia then tried to talk me into taking her and her male companion (who materialized from nowhere) somewhere in my car, which I no can do.  </p>
<p>I work in Downtown DC in a federal office building.  I could not figure out at first when I started working in this building why so many panhandlers were on our block in front of the building.  Then I learned that there is a liquor store about a block away.  I too also have donated money to local food kitchen, So Others May Eat (SOME).  I did not know that they had cards you could hand out, but I believe that most panhandlers just want the money for alcohol, cigs or drugs.</p>
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		<title>By: snappy</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705162</link>
		<dc:creator>snappy</dc:creator>
		<pubDate>Thu, 02 Sep 2010 18:41:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705162</guid>
		<description>In my younger meaner days a homeless man walked up to my car in Hazelhurst ms,an asked for money,i dug in my pocket an gave him a dime,he swung on me,i drove off,bac then you could not get out of yor car in that town without four or five people running up to you asking for money,i was sick of it.Now that i have alot money,thx.GRS,i give a dollar or two when people ask,cant never tell,i may be the one asking for money one day.</description>
		<content:encoded><![CDATA[<p>In my younger meaner days a homeless man walked up to my car in Hazelhurst ms,an asked for money,i dug in my pocket an gave him a dime,he swung on me,i drove off,bac then you could not get out of yor car in that town without four or five people running up to you asking for money,i was sick of it.Now that i have alot money,thx.GRS,i give a dollar or two when people ask,cant never tell,i may be the one asking for money one day.</p>
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		<title>By: Jay</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705142</link>
		<dc:creator>Jay</dc:creator>
		<pubDate>Thu, 02 Sep 2010 18:31:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705142</guid>
		<description>When I was hugely pregnant with my daughter (who is now 16) I used to have to take the bus two hours each way to the college I was going to.  A car wasn&#039;t possible when as a single mom I had to save up for diapers and a crib AND next year&#039;s tuition!

I used to see this same guy at my transfer point every day. And every day he would hit me up for change.  And every day I would say I didn&#039;t have any, and feel a bit bad for him.

One day I over heard him telling his friend that he had gotten a new (brand name, expensive) stereo for his apartment and the friend should come over for some beers and a listen.

I couldn&#039;t believe it!  He was making more panhandling than I was making with a child on the way!

Now that I have some disposable income I donate 10 of it to charity each month, but I never give to people on the street.</description>
		<content:encoded><![CDATA[<p>When I was hugely pregnant with my daughter (who is now 16) I used to have to take the bus two hours each way to the college I was going to.  A car wasn&#8217;t possible when as a single mom I had to save up for diapers and a crib AND next year&#8217;s tuition!</p>
<p>I used to see this same guy at my transfer point every day. And every day he would hit me up for change.  And every day I would say I didn&#8217;t have any, and feel a bit bad for him.</p>
<p>One day I over heard him telling his friend that he had gotten a new (brand name, expensive) stereo for his apartment and the friend should come over for some beers and a listen.</p>
<p>I couldn&#8217;t believe it!  He was making more panhandling than I was making with a child on the way!</p>
<p>Now that I have some disposable income I donate 10 of it to charity each month, but I never give to people on the street.</p>
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		<title>By: partgypsy</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705122</link>
		<dc:creator>partgypsy</dc:creator>
		<pubDate>Thu, 02 Sep 2010 18:26:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705122</guid>
		<description>Admittedly from the straight dope, but interesting. It appears there are some professional panhandlers, and those make much more money than the homeless.  

http://www.straightdope.com/columns/read/2255/how-much-money-do-beggars-make</description>
		<content:encoded><![CDATA[<p>Admittedly from the straight dope, but interesting. It appears there are some professional panhandlers, and those make much more money than the homeless.  </p>
<p><a href="http://www.straightdope.com/columns/read/2255/how-much-money-do-beggars-make" rel="nofollow">http://www.straightdope.com/columns/read/2255/how-much-money-do-beggars-make</a></p>
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		<title>By: partgypsy</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705102</link>
		<dc:creator>partgypsy</dc:creator>
		<pubDate>Thu, 02 Sep 2010 18:19:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705102</guid>
		<description>Interesting. Reminds me how in Pakistan, they are finding that people there are selling the donated US food for money, because they need to money more than food. And at least for people in disaster areas, money may be a more efficient donation than items that may or may not be needed.

But this may not apply in cases as already mentioned that you are dealing with drug and alcohol addictions. I honestly thought some of the outcomes would be people selling the cards for cash, to be used for drugs.</description>
		<content:encoded><![CDATA[<p>Interesting. Reminds me how in Pakistan, they are finding that people there are selling the donated US food for money, because they need to money more than food. And at least for people in disaster areas, money may be a more efficient donation than items that may or may not be needed.</p>
<p>But this may not apply in cases as already mentioned that you are dealing with drug and alcohol addictions. I honestly thought some of the outcomes would be people selling the cards for cash, to be used for drugs.</p>
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		<title>By: Sharon</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-705002</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Thu, 02 Sep 2010 18:01:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-705002</guid>
		<description>I was loading my groceries and approached by someone who needed a couple dollars to go in for food.  He was in my personal space and I with my children- I don&#039;t normally carry cash but I had taken out a five for a school function. He did a little hand bow bless you bit, oh so grateful for the $5.  I felt guilty for feeling begrudged to give when he honestly needed money.  I turned out of the parking lot and he was on the corner with his &#039;I&#039;m so hungry, please help&#039; sign.  

I agree that not all are bad.  I&#039;m not wasting my time with granola bars and water. 

The Salvation Army has sheltered and fed my own brother when he was a homeless addict beyond the help of family.  They will forever be on my list of charities.  (and he did recover!)  This is a reminder that I need to DO that instead of just say it.  Maybe for each homeless person I see, I should put some change in a jar when I get home.</description>
		<content:encoded><![CDATA[<p>I was loading my groceries and approached by someone who needed a couple dollars to go in for food.  He was in my personal space and I with my children- I don&#8217;t normally carry cash but I had taken out a five for a school function. He did a little hand bow bless you bit, oh so grateful for the $5.  I felt guilty for feeling begrudged to give when he honestly needed money.  I turned out of the parking lot and he was on the corner with his &#8216;I&#8217;m so hungry, please help&#8217; sign.  </p>
<p>I agree that not all are bad.  I&#8217;m not wasting my time with granola bars and water. </p>
<p>The Salvation Army has sheltered and fed my own brother when he was a homeless addict beyond the help of family.  They will forever be on my list of charities.  (and he did recover!)  This is a reminder that I need to DO that instead of just say it.  Maybe for each homeless person I see, I should put some change in a jar when I get home.</p>
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		<title>By: Joe M</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704772</link>
		<dc:creator>Joe M</dc:creator>
		<pubDate>Thu, 02 Sep 2010 16:13:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704772</guid>
		<description>What Kevin said.</description>
		<content:encoded><![CDATA[<p>What Kevin said.</p>
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		<title>By: Kevin</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704712</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Thu, 02 Sep 2010 15:44:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704712</guid>
		<description>Needless to say, if drug dealers took Visa, the outcome of this experiment would have been completely different (and sadly predictable).</description>
		<content:encoded><![CDATA[<p>Needless to say, if drug dealers took Visa, the outcome of this experiment would have been completely different (and sadly predictable).</p>
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		<title>By: Katelyn</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704672</link>
		<dc:creator>Katelyn</dc:creator>
		<pubDate>Thu, 02 Sep 2010 15:41:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704672</guid>
		<description>I read a Seattle Times article some years back that said something to the effect that the average homeless person in Seattle makes approximately $15K a year by panhandling. Now, my boyfriend and I together live off of $20K a year, and we pay rent and car insurance, utilities, expenses that a homeless person does not have. Its possible that the research that particle article drew from is inaccurate. But even $5k-$10k a year would be a lot. I definitely believe that a considerably large amount of that money goes toward cigarettes, alcohol, and drugs.

As a note to #22, Kevin, when you are an addict, whether to tobacco, alcohol, or any form of drugs, those products are no longer wants. They are actually needs until the addiction is addressed. When it comes to drug and alcohol use amongst the homeless population, it seems like its a vicious cycle. In some cases, a former drug addiction is what resulted in homelessness. Then drug use is almost necessary to dull the pain of living on the street. As long as the person is still homeless they will still go to drugs, and as long as they are using drugs they will not be able to get out of homelessness.</description>
		<content:encoded><![CDATA[<p>I read a Seattle Times article some years back that said something to the effect that the average homeless person in Seattle makes approximately $15K a year by panhandling. Now, my boyfriend and I together live off of $20K a year, and we pay rent and car insurance, utilities, expenses that a homeless person does not have. Its possible that the research that particle article drew from is inaccurate. But even $5k-$10k a year would be a lot. I definitely believe that a considerably large amount of that money goes toward cigarettes, alcohol, and drugs.</p>
<p>As a note to #22, Kevin, when you are an addict, whether to tobacco, alcohol, or any form of drugs, those products are no longer wants. They are actually needs until the addiction is addressed. When it comes to drug and alcohol use amongst the homeless population, it seems like its a vicious cycle. In some cases, a former drug addiction is what resulted in homelessness. Then drug use is almost necessary to dull the pain of living on the street. As long as the person is still homeless they will still go to drugs, and as long as they are using drugs they will not be able to get out of homelessness.</p>
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		<title>By: Ms. K</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704652</link>
		<dc:creator>Ms. K</dc:creator>
		<pubDate>Thu, 02 Sep 2010 15:33:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704652</guid>
		<description>Some panhandlers are just down on their luck, but the majority are hustlers.

This is really obvious in Washington, DC. Many of the &#039;homeless&#039; here are resourceful, cagey folks who prefer loafing and living by their wits (and remaining mostly drunk and/or high) to working, etc. A lot of them are indeed mentally ill - depressed or whatever. But it is a CHOICE to be a panhandler. A lot of them stake out specific street corners and beg there every single day. For years. They commute to and from the suburbs, often times you see them on the metro. Panhandling is their JOB.

Not all the homeless are hustlers, of course.

There is a newspaper run by the homeless in DC, and the people who sell it are genuinely trying to better their lives - I buy it from them and chat them up, keeping up-to-date in their journeys.

The non-hustler homeless, down on their luck folks live in their cars, or sleep on the bus, and are often well groomed and holding down jobs or school while they try to get back on their feet. 

(I&#039;m not saying the hustlers have an easy life, just that they are consciously taking advantage of sympathetic folks.)

I also give to local organizations such as &quot;So Others Might Eat&quot; (SOME), which help homeless families and individuals obtain affordable shelter, job training, hot meals, showers, etc. And sometimes I give beggars paper cards from SOME that tell them where and when to go to get services. Mostly I just get abuse for handing out useless paper instead of cash. So I usually don&#039;t anymore.</description>
		<content:encoded><![CDATA[<p>Some panhandlers are just down on their luck, but the majority are hustlers.</p>
<p>This is really obvious in Washington, DC. Many of the &#8216;homeless&#8217; here are resourceful, cagey folks who prefer loafing and living by their wits (and remaining mostly drunk and/or high) to working, etc. A lot of them are indeed mentally ill &#8211; depressed or whatever. But it is a CHOICE to be a panhandler. A lot of them stake out specific street corners and beg there every single day. For years. They commute to and from the suburbs, often times you see them on the metro. Panhandling is their JOB.</p>
<p>Not all the homeless are hustlers, of course.</p>
<p>There is a newspaper run by the homeless in DC, and the people who sell it are genuinely trying to better their lives &#8211; I buy it from them and chat them up, keeping up-to-date in their journeys.</p>
<p>The non-hustler homeless, down on their luck folks live in their cars, or sleep on the bus, and are often well groomed and holding down jobs or school while they try to get back on their feet. </p>
<p>(I&#8217;m not saying the hustlers have an easy life, just that they are consciously taking advantage of sympathetic folks.)</p>
<p>I also give to local organizations such as &#8220;So Others Might Eat&#8221; (SOME), which help homeless families and individuals obtain affordable shelter, job training, hot meals, showers, etc. And sometimes I give beggars paper cards from SOME that tell them where and when to go to get services. Mostly I just get abuse for handing out useless paper instead of cash. So I usually don&#8217;t anymore.</p>
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		<title>By: Khadijah</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704632</link>
		<dc:creator>Khadijah</dc:creator>
		<pubDate>Thu, 02 Sep 2010 15:16:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704632</guid>
		<description>I was reading the synopsis of the movie/documentary
Reversal of Fortune (2005 film)
http://en.wikipedia.org/wiki/Ted_Rodrigue

Its just so sad. If you give this homeless man $100,000, and a year later he is back homeless on the streets... why would I give even $1??</description>
		<content:encoded><![CDATA[<p>I was reading the synopsis of the movie/documentary<br />
Reversal of Fortune (2005 film)<br />
<a href="http://en.wikipedia.org/wiki/Ted_Rodrigue" rel="nofollow">http://en.wikipedia.org/wiki/Ted_Rodrigue</a></p>
<p>Its just so sad. If you give this homeless man $100,000, and a year later he is back homeless on the streets&#8230; why would I give even $1??</p>
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		<title>By: Tim</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704562</link>
		<dc:creator>Tim</dc:creator>
		<pubDate>Thu, 02 Sep 2010 14:47:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704562</guid>
		<description>They need to get off the streets and be a productive member of society. They are plenty of entry-level jobs around. 
By giving them money, you are enabling them to keep being unproductive and a drag on society.</description>
		<content:encoded><![CDATA[<p>They need to get off the streets and be a productive member of society. They are plenty of entry-level jobs around.<br />
By giving them money, you are enabling them to keep being unproductive and a drag on society.</p>
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		<title>By: Chris</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704442</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Thu, 02 Sep 2010 14:01:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704442</guid>
		<description>I give to charity, and I give to a foodbank, which offers other services for people who are having financial difficulty, of which there are plenty in Michigan. But feeding into destructive behavior, not so much.</description>
		<content:encoded><![CDATA[<p>I give to charity, and I give to a foodbank, which offers other services for people who are having financial difficulty, of which there are plenty in Michigan. But feeding into destructive behavior, not so much.</p>
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		<title>By: Kevin M</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-704292</link>
		<dc:creator>Kevin M</dc:creator>
		<pubDate>Thu, 02 Sep 2010 13:16:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-704292</guid>
		<description>Fascinating that some, who have no money, either turned it down or spent it on wants rather than needs.</description>
		<content:encoded><![CDATA[<p>Fascinating that some, who have no money, either turned it down or spent it on wants rather than needs.</p>
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		<title>By: StLPastor</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-703572</link>
		<dc:creator>StLPastor</dc:creator>
		<pubDate>Thu, 02 Sep 2010 07:30:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-703572</guid>
		<description>I notice almost 50% of the money was spent at liquor stores. I went to a presentation by the Executive Director of the largest homeless agency in St. Louis (serves 9,000 people a year, roughly 2/3 of the homeless population). He said, &quot;84% of the men we serve admit to being addicted to drugs and alcohol. The other 16% are liars.&quot; 
I know there is a lot of co-occurring/cause and effect stuff going on in terms of drug abuse and the homeless problem, but it really speaks to the pernicious ability of drugs and alcohol to destroy people&#039;s lives.</description>
		<content:encoded><![CDATA[<p>I notice almost 50% of the money was spent at liquor stores. I went to a presentation by the Executive Director of the largest homeless agency in St. Louis (serves 9,000 people a year, roughly 2/3 of the homeless population). He said, &#8220;84% of the men we serve admit to being addicted to drugs and alcohol. The other 16% are liars.&#8221;<br />
I know there is a lot of co-occurring/cause and effect stuff going on in terms of drug abuse and the homeless problem, but it really speaks to the pernicious ability of drugs and alcohol to destroy people&#8217;s lives.</p>
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		<title>By: sewingirl</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-703162</link>
		<dc:creator>sewingirl</dc:creator>
		<pubDate>Thu, 02 Sep 2010 04:20:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-703162</guid>
		<description>On a similar note, this reminded me of a documentary I saw a few years ago about the residents in Appalachia.  They lived in tar paper shacks, no water, no electricity, ragged clothes.  Please send us money.  They all had a cigarette in one hand, and a soda pop in the other, and hadn&#039;t seen a fresh vegetable in a decade!  In some cases, it certainly is poor choices!</description>
		<content:encoded><![CDATA[<p>On a similar note, this reminded me of a documentary I saw a few years ago about the residents in Appalachia.  They lived in tar paper shacks, no water, no electricity, ragged clothes.  Please send us money.  They all had a cigarette in one hand, and a soda pop in the other, and hadn&#8217;t seen a fresh vegetable in a decade!  In some cases, it certainly is poor choices!</p>
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		<title>By: Dan Hill</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-703052</link>
		<dc:creator>Dan Hill</dc:creator>
		<pubDate>Thu, 02 Sep 2010 03:11:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-703052</guid>
		<description>For some reason this idea creeps me out a bit. Sort of like sticking tracking tags on the homeless.</description>
		<content:encoded><![CDATA[<div style="background:#dfdcd7">
<p>For some reason this idea creeps me out a bit. Sort of like sticking tracking tags on the homeless.</p>
</div>
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		<title>By: Karen in MN</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-703002</link>
		<dc:creator>Karen in MN</dc:creator>
		<pubDate>Thu, 02 Sep 2010 02:52:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-703002</guid>
		<description>I don&#039;t think any of them are really hard up--they always seem to have enough cash to be constantly drunk anyway. 

I don&#039;t give to beggars anymore.  They aren&#039;t really hard up--they just need cash to stay constantly drunk or high, which even if they like it is a pretty self-destructive lifestyle.  I wish other people would donate elsewhere if they really want to help.  

Why would anyone want to encourage people to beg and wander around drunk and wasted on the streets?  Because that&#039;s what your dollars are really supporting.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t think any of them are really hard up&#8211;they always seem to have enough cash to be constantly drunk anyway. </p>
<p>I don&#8217;t give to beggars anymore.  They aren&#8217;t really hard up&#8211;they just need cash to stay constantly drunk or high, which even if they like it is a pretty self-destructive lifestyle.  I wish other people would donate elsewhere if they really want to help.  </p>
<p>Why would anyone want to encourage people to beg and wander around drunk and wasted on the streets?  Because that&#8217;s what your dollars are really supporting.</p>
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		<title>By: the happiness investor</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-702832</link>
		<dc:creator>the happiness investor</dc:creator>
		<pubDate>Thu, 02 Sep 2010 01:43:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-702832</guid>
		<description>That&#039;s a really interesting experiment, thanks for sharing. I went to read the full article and I find it a little sad, but at the same time, also a little uplifting, I don&#039;t know why. I liked the article Mika posted as well. I&#039;m actually less likely to give to someone who comes over to me and asks for spare change - I usually give to those who just put a sign up or seem to have something going on - e.g. there is a homeless guy I often see who always seems to be drawing on pieces of paper, which I think he also offers for sale. I reckon it&#039;s because in those cases I never feel cornered, and as someone who can be a bit shy I can empathize with those who are introverted even in times of need. I have friends who don&#039;t mind who they give to or where the money goes, but I haven&#039;t quite reached that level of altruism yet.</description>
		<content:encoded><![CDATA[<p>That&#8217;s a really interesting experiment, thanks for sharing. I went to read the full article and I find it a little sad, but at the same time, also a little uplifting, I don&#8217;t know why. I liked the article Mika posted as well. I&#8217;m actually less likely to give to someone who comes over to me and asks for spare change &#8211; I usually give to those who just put a sign up or seem to have something going on &#8211; e.g. there is a homeless guy I often see who always seems to be drawing on pieces of paper, which I think he also offers for sale. I reckon it&#8217;s because in those cases I never feel cornered, and as someone who can be a bit shy I can empathize with those who are introverted even in times of need. I have friends who don&#8217;t mind who they give to or where the money goes, but I haven&#8217;t quite reached that level of altruism yet.</p>
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		<title>By: jesse</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-702722</link>
		<dc:creator>jesse</dc:creator>
		<pubDate>Thu, 02 Sep 2010 01:15:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-702722</guid>
		<description>I mean, really - if you have no place to put belongings, and likely have a drug/alcohol/mental health issue, what else would you spend it on?  You can&#039;t buy drugs on a card.  Food and alcohol would be the obvious ones.  And of course it&#039;ll be fast food or a deli - who else is going to let them inside?

Not that I don&#039;t have sympathy - mental illness and/or (self-medicating) addictions are tragic for the individual and for society as a whole.</description>
		<content:encoded><![CDATA[<p>I mean, really &#8211; if you have no place to put belongings, and likely have a drug/alcohol/mental health issue, what else would you spend it on?  You can&#8217;t buy drugs on a card.  Food and alcohol would be the obvious ones.  And of course it&#8217;ll be fast food or a deli &#8211; who else is going to let them inside?</p>
<p>Not that I don&#8217;t have sympathy &#8211; mental illness and/or (self-medicating) addictions are tragic for the individual and for society as a whole.</p>
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		<title>By: askeladd</title>
		<link>http://www.getrichslowly.org/blog/2010/09/01/how-would-panhandlers-use-free-credit-cards/comment-page-1/#comment-702602</link>
		<dc:creator>askeladd</dc:creator>
		<pubDate>Thu, 02 Sep 2010 00:00:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=42782#comment-702602</guid>
		<description>I used to work as a secretary in a church office, and every once in a while someone would come in with a hard luck story - and most of the time, that&#039;s exactly what it was:  a story.  I&#039;ve heard them all, I think.  There are resources available for those who truly need them, but most of the panhandlers are more interested in booze, cigs, drugs, etc. than in improving their situation and giving up begging.  

If you really want to help the down-and-out, I think you&#039;re better off donating money, time, and/or resources to the Salvation Army, a homeless shelter, or some similar organization.  They have more experience in sorting out the sob stories from the real deal, and your donation will go towards those who can truly benefit from it, rather than towards those who are merely looking for their next buzz.</description>
		<content:encoded><![CDATA[<p>I used to work as a secretary in a church office, and every once in a while someone would come in with a hard luck story &#8211; and most of the time, that&#8217;s exactly what it was:  a story.  I&#8217;ve heard them all, I think.  There are resources available for those who truly need them, but most of the panhandlers are more interested in booze, cigs, drugs, etc. than in improving their situation and giving up begging.  </p>
<p>If you really want to help the down-and-out, I think you&#8217;re better off donating money, time, and/or resources to the Salvation Army, a homeless shelter, or some similar organization.  They have more experience in sorting out the sob stories from the real deal, and your donation will go towards those who can truly benefit from it, rather than towards those who are merely looking for their next buzz.</p>
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