This is what happened when I drove my Mercedes to pick up food stamps

dmcowen674

No Lifer
Oct 13, 1999
54,889
47
91
www.alienbabeltech.com
7-8-2014

http://www.washingtonpost.com/poste...n-i-drove-my-mercedes-to-pick-up-food-stamps/

This is what happened when I drove my Mercedes to pick up food stamps



Darlena Cunha is a former television producer turned stay-at-home mom to twin girls. She writes for The Huffington Post and Thought Catalog.


I grew up in a white, affluent suburb, where failure seemed harder than success. In college, I studied biology and journalism. I worked for good money at a local hospital, which afforded me the opportunity to network at journalism conferences. That’s how I landed my first news job as an associate producer in Hartford, Conn.


2007 was a grand year for me. I moved back home from San Diego, where I’d produced ‘Good Morning San Diego.’ I quickly secured my next big gig, as a producer in Boston for the 6 p.m. news. The pay wasn’t great, but it was more than enough to support me. And my boyfriend was making good money, too, as a copy editor for the Hartford Courant.


When I found out I was pregnant in February 2008, it was a shock, but nothing we couldn’t handle. Two weeks later, when I discovered “it” was actually “they” (twins, as a matter of fact), I panicked a little. But not because I worried for our future.



My middle-class life still seemed perfectly secure.

The weeks flew by. My boyfriend proposed, and we bought a house. Then, just threeweeks after we closed, the market crashed. The house we’d paid $240,000 for was suddenly worth $150,000. It was okay, though — we were still making enough money to cover the exorbitant mortgage payments. Then we weren’t.

Two weeks before my children were born, my future husband found himself staring at a pink slip. The days of unemployment turned into weeks, months, and, eventually, years.

In just two months, we’d gone from making a combined $120,000 a year to making just $25,000 and leeching out funds to a mortgage we couldn’t afford. Our savings dwindled, then disappeared.


So I did what I had to do. I signed up for Medicaid and the Special

Supplemental Nutrition Program for Women, Infants and Children.


That’s the funny thing about being poor. Everyone has an opinion on it, and everyone feels entitled to share. That was especially true about my husband’s Mercedes. Over and over again, people asked why we kept that car, offering to sell it in their yards or on the Internet for us.

But it wasn’t a toy — it was paid off. My husband bought that car in full long before we met. Were we supposed to trade it in for a crappier car we’d have to make payments on? Only to have that less reliable car break down on us?

That’s how I found myself, one dreary day when my Honda wouldn’t start, in my husband’s Mercedes at the WIC office.

We’ve now sold that house. My husband found a job that pays well, and we have enough left over for me to go to grad school. President Obama’s programs — from the extended unemployment benefits to the tax-free allowance for short-selling a home we couldn’t afford — allowed us to crawl our way out of the hole.


But what I learned there will never leave me. We didn’t deserve to be poor, any more than we deserved to be rich. Poverty is a circumstance, not a value judgment. I still have to remind myself sometimes that I was my harshest critic.



That the judgment of the disadvantaged comes not just from conservative politicians and Internet trolls.



It came from me, even as I was living it.

We still have that Mercedes.
 

Atreus21

Lifer
Aug 21, 2007
12,001
571
126
7-8-2014

http://www.washingtonpost.com/poste...n-i-drove-my-mercedes-to-pick-up-food-stamps/

This is what happened when I drove my Mercedes to pick up food stamps



Darlena Cunha is a former television producer turned stay-at-home mom to twin girls. She writes for The Huffington Post and Thought Catalog.


I grew up in a white, affluent suburb, where failure seemed harder than success. In college, I studied biology and journalism. I worked for good money at a local hospital, which afforded me the opportunity to network at journalism conferences. That’s how I landed my first news job as an associate producer in Hartford, Conn.


2007 was a grand year for me. I moved back home from San Diego, where I’d produced ‘Good Morning San Diego.’ I quickly secured my next big gig, as a producer in Boston for the 6 p.m. news. The pay wasn’t great, but it was more than enough to support me. And my boyfriend was making good money, too, as a copy editor for the Hartford Courant.


When I found out I was pregnant in February 2008, it was a shock, but nothing we couldn’t handle. Two weeks later, when I discovered “it” was actually “they” (twins, as a matter of fact), I panicked a little. But not because I worried for our future.



My middle-class life still seemed perfectly secure.

The weeks flew by. My boyfriend proposed, and we bought a house. Then, just threeweeks after we closed, the market crashed. The house we’d paid $240,000 for was suddenly worth $150,000. It was okay, though — we were still making enough money to cover the exorbitant mortgage payments. Then we weren’t.

Two weeks before my children were born, my future husband found himself staring at a pink slip. The days of unemployment turned into weeks, months, and, eventually, years.

In just two months, we’d gone from making a combined $120,000 a year to making just $25,000 and leeching out funds to a mortgage we couldn’t afford. Our savings dwindled, then disappeared.


So I did what I had to do. I signed up for Medicaid and the Special

Supplemental Nutrition Program for Women, Infants and Children.


That’s the funny thing about being poor. Everyone has an opinion on it, and everyone feels entitled to share. That was especially true about my husband’s Mercedes. Over and over again, people asked why we kept that car, offering to sell it in their yards or on the Internet for us.

But it wasn’t a toy — it was paid off. My husband bought that car in full long before we met. Were we supposed to trade it in for a crappier car we’d have to make payments on? Only to have that less reliable car break down on us?

That’s how I found myself, one dreary day when my Honda wouldn’t start, in my husband’s Mercedes at the WIC office.

We’ve now sold that house. My husband found a job that pays well, and we have enough left over for me to go to grad school. President Obama’s programs — from the extended unemployment benefits to the tax-free allowance for short-selling a home we couldn’t afford — allowed us to crawl our way out of the hole.


But what I learned there will never leave me. We didn’t deserve to be poor, any more than we deserved to be rich. Poverty is a circumstance, not a value judgment. I still have to remind myself sometimes that I was my harshest critic.



That the judgment of the disadvantaged comes not just from conservative politicians and Internet trolls.



It came from me, even as I was living it.

We still have that Mercedes.

I very much agree with this person. It's asinine, immature, and very easy to judge based on appearances, or to naturally think yourself the center of the universe. My situation was similar in 2010. Went from having paid off house with rental income to having a brand new mortgage and unemployment shortly thereafter.
 
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BoberFett

Lifer
Oct 9, 1999
37,562
9
81
We still have that Mercedes.

So... are we supposed to feel sorry for this person? Clearly she can afford Mercedes maintenance, those cars are not known for being cheap to fix. If you own a Mercedes, you're not poor. If you were poor, you'd sell the Mercedes and buy an old Honda, and come out thousands of dollars ahead.
 
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shira

Diamond Member
Jan 12, 2005
9,500
6
81
So... are we supposed to feel sorry for this person? Clearly she can afford Mercedes maintenance, those cars are not known for being cheap to fix. If you own a Mercedes, you're not poor. If you were poor, you'd sell the Mercedes and buy an old Honda, and come out thousands of dollars ahead.

So you think that the "point" of the story is to get people to feel sorry for the narrator?

Wow.

If you're a typical example of conservatism, it's no wonder that righties are unable to understand the left.
 

xBiffx

Diamond Member
Aug 22, 2011
8,232
2
0
So you think that the "point" of the story is to get people to feel sorry for the narrator?

Wow.

If you're a typical example of conservatism, it's no wonder that righties are unable to understand the left.

The left, champions of missing the point.
 

Newell Steamer

Diamond Member
Jan 27, 2014
6,894
8
0
Clearly, she is a drug dealer pretending to be poor to get money out of us hard working tax payers.
 

BoberFett

Lifer
Oct 9, 1999
37,562
9
81
So you think that the "point" of the story is to get people to feel sorry for the narrator?

Wow.

If you're a typical example of conservatism, it's no wonder that righties are unable to understand the left.

Then what was the point, that sometimes things happen that are out your control?

Yeah, no shit Sherlock.

When that happens, make good decisions that ARE under your control. Keeping an expensive luxury vehicle that's worth more than you make in a year is not a good decision. Typical American attitude: "Just because you're down on your luck shouldn't mean you have to sacrifice any luxuries."

And from another angle, the American poor drive Mercedes. Yeah, we have it so rough here.
 

KK

Lifer
Jan 2, 2001
15,903
4
81
This is just one of many Americans fighting and clawing back from the Abyss that the Bush years bestowed upon us.

Yeah the Obama legacy is going to last three fold of what bush's legacy did.

Also the difference in this story is the person collecting food stamps didn't base her existence on food stamps like some many other useless people do.
 

TechBoyJK

Lifer
Oct 17, 2002
16,699
60
91
So... are we supposed to feel sorry for this person? Clearly she can afford Mercedes maintenance, those cars are not known for being cheap to fix. If you own a Mercedes, you're not poor. If you were poor, you'd sell the Mercedes and buy an old Honda, and come out thousands of dollars ahead.

Not necessarily.

Husband could have babied that Mercedes, and kept it very well maintained.

Sometimes it's better in the long run to hold onto good assets (i know a car in general is not a great asset) than panic and make a hasty decision.

And if the need for assistance is temporary, they're better off holding onto it.
 

HumblePie

Lifer
Oct 30, 2000
14,665
440
126
Then what was the point, that sometimes things happen that are out your control?

Yeah, no shit Sherlock.

When that happens, make good decisions that ARE under your control. Keeping an expensive luxury vehicle that's worth more than you make in a year is not a good decision. Typical American attitude: "Just because you're down on your luck shouldn't mean you have to sacrifice any luxuries."

And from another angle, the American poor drive Mercedes. Yeah, we have it so rough here.

This.

Mercedes are not cheap to keep even if paid off. Reliable yes, but if something breaks, you are screwed to fix it. And if it broke on them in the time they were poor, there would be zero way for them to get it fixed or probably even sell it for a decent amount to get another form of transportation.

Best decision would have been to sell the car off. Used the funds to either purchase a reliable cheaper car, or just use public transportation if that was an alternative. Hell, I've been in a position where I had to do just that. Except I sold my car and bought a bike and road to a new job every day for 12 miles back and forth until I could afford something better.

It's called emergency planning and knowing when to take the next step in controlling your future. If I was fired tomorrow, I know exactly what I would do. Since I'm the only bread winner, I would be taking every opportunity I could to be getting another comparable job that would at least allow me to pay the bare minimum of my current bills. I'd set a time frame for that search. The moment that time elapsed, I would consider either selling off assets to pay my bills, or consider what needs to be done to reduce my bills. If that meant selling a car or house I'd do it BEFORE I would be too screwed over from waiting too long and being desperate. That last part is the part people always fail on time and time again in a crisis scenario. It's that "denial" part of the crisis that takes people the longest to get over. They can't understand a crisis is occurring and only getting worse faster as they wait. They stand around hoping that some miracle will occur and they get back to life as "normal" ie before the crisis event occurred. Sometimes people get lucky and crises is averted. Many times not.
 

werepossum

Elite Member
Jul 10, 2006
29,873
463
126
I very much agree with this person. It's asinine, immature, and very easy to judge based on appearances, or to naturally think yourself the center of the universe. My situation was similar in 2010. Went from having paid off house with rental income to having a brand new mortgage and unemployment shortly thereafter.
When something extraordinary occurs, whether to millions of Americans or just to you, it's easy to think you're doing everything right only to be bitch-slapped by life.
 
Feb 4, 2009
35,862
17,406
136
Its conceivable she has a maintenance agreement. Maybe she's waiting for that to expire but yes owning a Mercedes and needing money is odd.
 

desy

Diamond Member
Jan 13, 2000
5,447
216
106
Hardly, I think that was the point having a Mercedes is hardly the point.
If its paid off if its running well you are much better off with the vehicle you know than buying somebodies elses used problem and you can find Mercedes out there for 1000 bucks. It doesn't mean you have 'arrived'
She was being discriminated by the car she drove without any of the background information by everybody with a 2 bit opinion, that was the point of bringing up the Merc.
the rest just describes a real fall from what many perceive is a solid way of life to unsustainable debt in a heartbeat.
 

dmcowen674

No Lifer
Oct 13, 1999
54,889
47
91
www.alienbabeltech.com
I very much agree with this person. It's asinine, immature, and very easy to judge based on appearances, or to naturally think yourself the center of the universe. My situation was similar in 2010. Went from having paid off house with rental income to having a brand new mortgage and unemployment shortly thereafter.

Hope you have been able to bounce back like the couple in the article.
 
Feb 6, 2007
16,432
1
81
She says that the car was paid off long before she even met her husband, so it's likely an older Mercedes (late-90s, maybe), and probably not a high end S-Class or what have you. If we're talking an E-class sedan with 150,000+ miles on it, the car isn't worth much (probably less than $5,000). It's easy to sit back and say, "YEAH, flip that Mercedes and get an old Buick and save money" but without knowing the facts, you're talking complete nonsense. Not all Mercedes have a huge resale value, and we have absolutely no indication of what specific Mercedes they own. You can't just assume it's worth a lot of money solely based on the badge.

OK, I'm wrong, it says it's a 2003 Kompressor. So like $10,000 tops? KBB estimates around $6,000 for good condition in the area mentioned in the article. That's not going to buy you a ton of car with money left over.
 
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Cozarkian

Golden Member
Feb 2, 2012
1,352
95
91
owning a Mercedes and needing money is odd.

That's not necessarily true. What matters is the current value of the Mercedes and the cost to purchase a cheaper, reliable (probably certified used) car.

The writer is correct that they shouldn't have sold the Mercedes to buy a crappier car with payments, but it seems likely that they also failed to consider whether they could buy a cheaper, less luxurious but equally reliable car with the cash made from selling the Mercedes. I'm guessing they didn't want to give up the last reminder of their former, happier lives and the writer resents how many people pointed out that was a poor economic decision.
 

Drako

Lifer
Jun 9, 2007
10,697
161
106
Seems like a case of bad luck and the 3Ps. Piss Poor Planning.

But I guess it's Bush's fault. :)
 

Oldgamer

Diamond Member
Jan 15, 2013
3,280
1
0
Wow, some of the posts, good grief, so judgemental. I have said it before... just how poor do we want the poor to be? I mean lets punish them for not being poor enough.

The fact that we judge based on not knowing facts, like seeing a mercede's and thinking that person doesn't deserve help because they have that car. Well, that is the same logic Government uses to people who have no home and actually have to live in a car! Those people don't qualify for certain welfare help, because they own a vehicle! They are told they must sell the only car they have that they use for shelter before they can get assistance. Yep that's right, look it up. It is ridiculous to tell someone who is down on their luck you can't get a helping hand up because your not poor enough.

The Government assistance is to help these people get back on their feet and hopefully stay afloat till they can get a job. But now a days jobs really are still in short supply.

I am really ashamed of my fellow American's who think our poor need to be punished and be as poor as someone in a bad third world country. I wouldn't want our poor to be that poor, because we are after all a wealthy nation. There is no reason for our own people to be poor like that.
 

werepossum

Elite Member
Jul 10, 2006
29,873
463
126
That's not necessarily true. What matters is the current value of the Mercedes and the cost to purchase a cheaper, reliable (probably certified used) car.

The writer is correct that they shouldn't have sold the Mercedes to buy a crappier car with payments, but it seems likely that they also failed to consider whether they could buy a cheaper, less luxurious but equally reliable car with the cash made from selling the Mercedes. I'm guessing they didn't want to give up the last reminder of their former, happier lives and the writer resents how many people pointed out that was a poor economic decision.
I'd guess that as well. HumblePie nailed it, people go into denial and hope for the best. And the flip side of that is if hubby had found a new job a month later they'd be kicking themselves for selling the Mercedes. It's a crap shoot, but HumblePie is correct - it's better to have and execute a sound plan at the risk of later kicking yourself than to hope for the best at the risk of losing everything.

Food stamps are odd. Sometimes it's a woman in a torn tee shirt who leaves the store and walks blocks to catch the bus home, often with transfers along the way. Other times it's an immaculately dressed and coiffed woman who climbs into a brand spanking new Lexus, Mercedes or such. Doesn't seem to be a lot of rhyme or reason there.
 
Feb 6, 2007
16,432
1
81
Is that $6,000 in 2014, because she was pregnant in 2008 and the husband lost the job while she was pregnant, so we'd need the value in 2009-2010.

It retailed around $40,000, drop 50% in the first year off the lot, then another 5-6 years of regular use and depreciation? $10,000ish seems about right. At that price point, I probably would have sold it and bought something cheap and shitty with the expectation that I was going to find a high paying job again in the next few years and could get a sports car then (what good is a 2 door roadster when you have a baby?). But that's a personal choice. From an economic perspective, unless you can get another car and still have several thousand left over to help out with bills, it doesn't make a huge amount of sense.
 

Cozarkian

Golden Member
Feb 2, 2012
1,352
95
91
And the flip side of that is if hubby had found a new job a month later they'd be kicking themselves for selling the Mercedes.

If they sold it right away, sure, but if they only sold if after the unemployment turned into months, then a year, and as their savings dwindled (but before the savings disappeared) then I think they would still be confident in knowing they made the right choice.