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	<title>Comments on: Scratch Beginnings by Adam Shepard</title>
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	<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html</link>
	<description>personal finance blog with anecdotes, advice and commentary.</description>
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		<title>By: Event_Horizon</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-366099</link>
		<dc:creator>Event_Horizon</dc:creator>
		<pubDate>Tue, 29 Mar 2011 17:30:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-366099</guid>
		<description>I&#039;ve read excerpts of the books and some discussions but not the whole thing.

He probably didn&#039;t realize inherent advantages to be a young college educated, good looking white male in a southern state.  Also he is in a place with climate probably more conducive to homelessness than say, Minnesota ? 

I don&#039;t see how it counters Nickle and Dimed as the author was a middle aged woman who probably had certain limitations to what she could do for employment both physical limitations and standard discrimination.  

He chose the right thing when a relative took ill by cancelling his &quot;experiment&quot; but could someone genuinely in that financial and social situation to that ?

I didn&#039;t read the book but I wonder about how much of life is sheer luck, he wasn&#039;t financially wiped out  by crime or an illness.

The saying &quot;if I can do it anyone can&quot; is nonsense.  There are advantages and disadvantages inherent in people and situations.  

A more accurate statement would be &quot;If I can do it then people with my educational background, opportunities, health, *and* luck can.&quot;</description>
		<content:encoded><![CDATA[<p>I&#8217;ve read excerpts of the books and some discussions but not the whole thing.</p>
<p>He probably didn&#8217;t realize inherent advantages to be a young college educated, good looking white male in a southern state.  Also he is in a place with climate probably more conducive to homelessness than say, Minnesota ? </p>
<p>I don&#8217;t see how it counters Nickle and Dimed as the author was a middle aged woman who probably had certain limitations to what she could do for employment both physical limitations and standard discrimination.  </p>
<p>He chose the right thing when a relative took ill by cancelling his &#8220;experiment&#8221; but could someone genuinely in that financial and social situation to that ?</p>
<p>I didn&#8217;t read the book but I wonder about how much of life is sheer luck, he wasn&#8217;t financially wiped out  by crime or an illness.</p>
<p>The saying &#8220;if I can do it anyone can&#8221; is nonsense.  There are advantages and disadvantages inherent in people and situations.  </p>
<p>A more accurate statement would be &#8220;If I can do it then people with my educational background, opportunities, health, *and* luck can.&#8221;</p>
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		<title>By: Ross</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-365866</link>
		<dc:creator>Ross</dc:creator>
		<pubDate>Fri, 25 Mar 2011 00:59:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-365866</guid>
		<description>It is quite a different story for someone who has never tasted the middle-class life. Sometimes you don&#039;t know or desire something if you have not experienced it. Take a poor suburban 16-25 year old with no bearing on life from a struggling family; s/he may not make the educated decisions someone with a decent upbringing may make, it is possible that psychologically it is impossible to take risks to higher positions or to take on new jobs. If you are educated you have options and ambitions and I suspect the author is a well educated person. 

I do agree the principle of the book is get off your back-side and make something of your life and it may be the necessary kick up the back-side some lazy middle-class 18-25 year olds might need. jus sayin :P</description>
		<content:encoded><![CDATA[<p>It is quite a different story for someone who has never tasted the middle-class life. Sometimes you don&#8217;t know or desire something if you have not experienced it. Take a poor suburban 16-25 year old with no bearing on life from a struggling family; s/he may not make the educated decisions someone with a decent upbringing may make, it is possible that psychologically it is impossible to take risks to higher positions or to take on new jobs. If you are educated you have options and ambitions and I suspect the author is a well educated person. </p>
<p>I do agree the principle of the book is get off your back-side and make something of your life and it may be the necessary kick up the back-side some lazy middle-class 18-25 year olds might need. jus sayin <img src='http://www.bargaineering.com/articles/wp-includes/images/smilies/icon_razz.gif' alt=':P' class='wp-smiley' /> </p>
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		<title>By: Ron</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-338609</link>
		<dc:creator>Ron</dc:creator>
		<pubDate>Mon, 22 Feb 2010 18:35:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-338609</guid>
		<description>Poverty and homelessness are more complicated than Ehrenreich and Shepard understand.  They are middle-class white people who make a short-term, temporary &quot;game&quot; out of descending into the ranks of the poor, and quickly ascend to the ranks of the middle-class from which they come.  The reality of poverty and homeless is long-term and will continue throughout the remainder of the human existence on this planet.  Everyone is not going to become a millionaire, and most of us will not escape the class in which we were born.</description>
		<content:encoded><![CDATA[<p>Poverty and homelessness are more complicated than Ehrenreich and Shepard understand.  They are middle-class white people who make a short-term, temporary &#8220;game&#8221; out of descending into the ranks of the poor, and quickly ascend to the ranks of the middle-class from which they come.  The reality of poverty and homeless is long-term and will continue throughout the remainder of the human existence on this planet.  Everyone is not going to become a millionaire, and most of us will not escape the class in which we were born.</p>
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		<title>By: U KNow Who</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-304639</link>
		<dc:creator>U KNow Who</dc:creator>
		<pubDate>Sat, 30 May 2009 14:00:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-304639</guid>
		<description>I disagree with Cf this book is the best book i ever read and you got to be a stupid person to think this book sucks to i think your wrong cf</description>
		<content:encoded><![CDATA[<p>I disagree with Cf this book is the best book i ever read and you got to be a stupid person to think this book sucks to i think your wrong cf</p>
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		<title>By: Almend</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-302598</link>
		<dc:creator>Almend</dc:creator>
		<pubDate>Mon, 27 Apr 2009 15:15:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-302598</guid>
		<description>well. to be polite i dont think the booked sucked at all like this &quot;CF&quot; says.
it has a very qualified procedure of telling the story to the young ones and even adults in the world.
It talks about the real life, in which some of us are not experts in but keep trying.
and i think you should be glad that someone had the balls to open you into another time and space of living
thats all i have to day for &quot;CF&quot;</description>
		<content:encoded><![CDATA[<p>well. to be polite i dont think the booked sucked at all like this &#8220;CF&#8221; says.<br />
it has a very qualified procedure of telling the story to the young ones and even adults in the world.<br />
It talks about the real life, in which some of us are not experts in but keep trying.<br />
and i think you should be glad that someone had the balls to open you into another time and space of living<br />
thats all i have to day for &#8220;CF&#8221;</p>
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		<title>By: cf</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-302383</link>
		<dc:creator>cf</dc:creator>
		<pubDate>Thu, 23 Apr 2009 15:40:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-302383</guid>
		<description>i think the booked sucked ! and i disliked it because it was boring . and i had to read it in freaking english class while the teacher ate some cheerios and didnt let us go to sleep. i dont apretiate that ....</description>
		<content:encoded><![CDATA[<p>i think the booked sucked ! and i disliked it because it was boring . and i had to read it in freaking english class while the teacher ate some cheerios and didnt let us go to sleep. i dont apretiate that &#8230;.</p>
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		<title>By: Root</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-292290</link>
		<dc:creator>Root</dc:creator>
		<pubDate>Fri, 21 Nov 2008 20:55:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-292290</guid>
		<description>Haven&#039;t made my million yet.  Five kids kinda tugs you down.

  Still it&#039;s nice to know that just five years ago a salesman at the company I work for told me he&#039;d quit if I were to ever be the one signing his paychecks.

  He&#039;s still a salesman, I&#039;m the V.P.  He hasn&#039;t quit yet.</description>
		<content:encoded><![CDATA[<p>Haven&#8217;t made my million yet.  Five kids kinda tugs you down.</p>
<p>  Still it&#8217;s nice to know that just five years ago a salesman at the company I work for told me he&#8217;d quit if I were to ever be the one signing his paychecks.</p>
<p>  He&#8217;s still a salesman, I&#8217;m the V.P.  He hasn&#8217;t quit yet.</p>
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		<title>By: Ben</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291999</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Mon, 17 Nov 2008 20:26:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291999</guid>
		<description>Bought the book a while back. It was one of the most interesting reads I&#039;ve had all year. 

College degree or not, anyone can be successful like this. My success story starts before I even took my first class in college. I went from food stamps to nearly a millionaire (current market conditions have been rough) in a dozen years. Can be done by anyone. 

I would suggest this book to everyone and anyone. If you can&#039;t afford it, email the author he&#039;s promised to send the ebook for free (don&#039;t know if that offer still stands). But get it anyway you can.</description>
		<content:encoded><![CDATA[<p>Bought the book a while back. It was one of the most interesting reads I&#8217;ve had all year. </p>
<p>College degree or not, anyone can be successful like this. My success story starts before I even took my first class in college. I went from food stamps to nearly a millionaire (current market conditions have been rough) in a dozen years. Can be done by anyone. </p>
<p>I would suggest this book to everyone and anyone. If you can&#8217;t afford it, email the author he&#8217;s promised to send the ebook for free (don&#8217;t know if that offer still stands). But get it anyway you can.</p>
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		<title>By: jim</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291859</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Sat, 15 Nov 2008 14:14:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291859</guid>
		<description>I did think that baby clothing store owner story was interesting, I was surprised to see her treat them like that, like second class citizens.</description>
		<content:encoded><![CDATA[<p>I did think that baby clothing store owner story was interesting, I was surprised to see her treat them like that, like second class citizens.</p>
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		<title>By: poor boomer</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291840</link>
		<dc:creator>poor boomer</dc:creator>
		<pubDate>Sat, 15 Nov 2008 04:10:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291840</guid>
		<description>I am currently reading it in installments at a bookstore.  It&#039;s a great read, and so far has confirmed my expectations of homeless shelters and day labor agencies (which he describes as the dregs of the labor market).

I&#039;ve signed up with a number of day labor agencies with no success - the ones I&#039;ve signed up with have large surpluses of unneeded workers; I wasted a lot of time hanging around their offices with a bunch of other guys waiting for nonexistent work.

It&#039;s common practice for these agencies to pay by check and charge $1 to get paid in cash; many day laborers, limited to crummy work, come in only when they have an urgent financial need, on which the agency makes an extra buck (literally).

The best story I&#039;ve read so far is one in which he tells off an exploitative owner of a baby clothing store.

The book is flying off the shelves at the bookstore I went to.</description>
		<content:encoded><![CDATA[<p>I am currently reading it in installments at a bookstore.  It&#8217;s a great read, and so far has confirmed my expectations of homeless shelters and day labor agencies (which he describes as the dregs of the labor market).</p>
<p>I&#8217;ve signed up with a number of day labor agencies with no success &#8211; the ones I&#8217;ve signed up with have large surpluses of unneeded workers; I wasted a lot of time hanging around their offices with a bunch of other guys waiting for nonexistent work.</p>
<p>It&#8217;s common practice for these agencies to pay by check and charge $1 to get paid in cash; many day laborers, limited to crummy work, come in only when they have an urgent financial need, on which the agency makes an extra buck (literally).</p>
<p>The best story I&#8217;ve read so far is one in which he tells off an exploitative owner of a baby clothing store.</p>
<p>The book is flying off the shelves at the bookstore I went to.</p>
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		<title>By: Jim</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291819</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Fri, 14 Nov 2008 22:28:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291819</guid>
		<description>I bet if you read both Nickel and Dimed and Scratch Beginnings with an open mind that both of them added together would give a decent picture.

The author of Scratch Beginnings was a healthy, single, young, college educated white male.  Thats not the face of homlessness.  I&#039;m sure his road wasn&#039;t as hard as many of his peers.  But still it should be an interesting experiement to read about.


Jim</description>
		<content:encoded><![CDATA[<p>I bet if you read both Nickel and Dimed and Scratch Beginnings with an open mind that both of them added together would give a decent picture.</p>
<p>The author of Scratch Beginnings was a healthy, single, young, college educated white male.  Thats not the face of homlessness.  I&#8217;m sure his road wasn&#8217;t as hard as many of his peers.  But still it should be an interesting experiement to read about.</p>
<p>Jim</p>
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		<title>By: jr</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291812</link>
		<dc:creator>jr</dc:creator>
		<pubDate>Fri, 14 Nov 2008 19:48:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291812</guid>
		<description>Interesting. Well, it sounds like an incredible &#039;blueprint for financial prosperity&#039; from a perspective that&#039;s rarely written about. Most financial handbooks are focused on using what you already have to get more, and this one shows how to get more from almost nothing. 

Although for a general audience, it&#039;s also great that his site shows how to integrate the book into a high school curriculum, where it could have a quite an impact. 

Thanks again.</description>
		<content:encoded><![CDATA[<p>Interesting. Well, it sounds like an incredible &#8216;blueprint for financial prosperity&#8217; from a perspective that&#8217;s rarely written about. Most financial handbooks are focused on using what you already have to get more, and this one shows how to get more from almost nothing. </p>
<p>Although for a general audience, it&#8217;s also great that his site shows how to integrate the book into a high school curriculum, where it could have a quite an impact. </p>
<p>Thanks again.</p>
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		<title>By: jim</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291810</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Fri, 14 Nov 2008 19:27:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291810</guid>
		<description>I don&#039;t think he takes that particular approach, more like a &quot;if I can do it, it&#039;s possible,&quot; not - &quot;if I can do it, anyone else should be able to do it too.&quot;

I think his college education wasn&#039;t significant but the other skills were - goal setting, critical thinking, and project management are always crucial to success in anything. Did college help that? Perhaps. But I think whether he went to college had no bearing on how attuned his skills were. The fact that he decided to embark on this project in the first place shows he&#039;s not your typical person, so in that vein it might be unrealistic.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t think he takes that particular approach, more like a &#8220;if I can do it, it&#8217;s possible,&#8221; not &#8211; &#8220;if I can do it, anyone else should be able to do it too.&#8221;</p>
<p>I think his college education wasn&#8217;t significant but the other skills were &#8211; goal setting, critical thinking, and project management are always crucial to success in anything. Did college help that? Perhaps. But I think whether he went to college had no bearing on how attuned his skills were. The fact that he decided to embark on this project in the first place shows he&#8217;s not your typical person, so in that vein it might be unrealistic.</p>
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		<title>By: jr</title>
		<link>http://www.bargaineering.com/articles/scratch-beginnings-by-adam-shepard.html/comment-page-1#comment-291808</link>
		<dc:creator>jr</dc:creator>
		<pubDate>Fri, 14 Nov 2008 19:13:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.bargaineering.com/articles/?p=3780#comment-291808</guid>
		<description>Interesting story, and inspirational, as well--from the brief excerpt I read on the website, he rails against a peer group who expects money/material and isn&#039;t necessarily willing to work for it. 

I wonder, though--does the book take an &quot;if I can do it, anyone can, approach?&quot; Adam starts with $25, but he also starts with a college education (based on his bio--maybe he wrong the book before Merrimack). How crucial are his project management, goal setting, and critical thinking skills to his overall success? Not necessarily saying that those who aren&#039;t college educated don&#039;t pick up (or have) those skills, but university absolutely enhances them quickly. 

Overall, thanks for the post--will absolutely check out the rest of the book.</description>
		<content:encoded><![CDATA[<p>Interesting story, and inspirational, as well&#8211;from the brief excerpt I read on the website, he rails against a peer group who expects money/material and isn&#8217;t necessarily willing to work for it. </p>
<p>I wonder, though&#8211;does the book take an &#8220;if I can do it, anyone can, approach?&#8221; Adam starts with $25, but he also starts with a college education (based on his bio&#8211;maybe he wrong the book before Merrimack). How crucial are his project management, goal setting, and critical thinking skills to his overall success? Not necessarily saying that those who aren&#8217;t college educated don&#8217;t pick up (or have) those skills, but university absolutely enhances them quickly. </p>
<p>Overall, thanks for the post&#8211;will absolutely check out the rest of the book.</p>
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