Toxic Charity: How Churches and Charities Hurt Those They Help— review and commentary

ToxicA friend who works on the staff of a large church recommended this book to me, and while it lacks sufficient support for some of the concepts, the principles are sound. Basically, the title says it pretty well—whether just throwing money or a week of unpaid labor at poverty—this act of charity might do more harm than good.

Author Robert D. Lupton has plenty of experience in urban ministry, and he cites many examples from his experience in Atlanta, Georgia, which is where he lives and works. But, as I have seen lots of churches gather a group of volunteers for week long “mission trips” I was fascinated by the story of a church in Mexico that was painted six times during one summer, by six different sets of volunteers. Indeed, what the author terms “religious tourism” is big business. He states that in 2005, $2.4 billion was spent by 1.6 million Americans, who traveled abroad for short term mission trips. My favorite statistic: “The Bahamas, it is estimated, annually receives one short-term missionary for every fifteen residents.” Okay, I have never traveled abroad on a mission trip, but the Bahamas sounds like a great place to visit. (My daughter mentioned knowing of a local church that did a mission trip to Ireland. Sounds heavenly!)

Lest readers get the idea that all Lupton does is make the good hearted look either mis-guided or just plain stupid, he does mention that many people set out on these trips with good intentions. Then he explains that in the third world, a little bit of money spent properly can do quite a lot. He explains the use of “micro loans” which can give a struggling person a needed hand up. For example, a $50 loan to a woman in Nicaragua allowed her to buy a sewing machine so she could ramp up her production of baby clothes. Once she paid off the loan, she still had the increased earning capacity.

In the U.S. many churches and other charities give away certain items. One example was giving holiday presents to needy families, but the fathers in such situations are often embarrassed that they can’t match the generosity of the well meaning givers, and are thus emasculated in front of their wives and children. Another example was a food bank, wherein the recipients had come to view the handouts as entitlements, which the author then contrasted with a food co-op, where members paid a small ($3) membership fee, and the members then gathered food from free or discounted sources, set their own rules for distribution, and so forth. The co-op helped the members but did not demean them or destroy their work ethic.

Toxic Charity is a bit controversial, but the U.S.A. is one of the most generous nations which has ever graced this planet. Unfortunately, just throwing money at problems can actually make things worse. This book is a must read for anyone who is involved in charity work, faith based or not, because it explains the problem but gives some good guidelines for better ways to help without hurting the recipient or wasting effort and money.

Want a book? Check eBay before you check out!

My daughter and I have been using eBay as our “go to” bookstore lately. As an eBay seller, I’ll assure you that the fees are far less when selling used items, including books, on eBay. When selling via the big A marketplace, the fees start at about $4, and go up incrementally. Obviously, selling anything other than textbooks or other high end items on the big A marketplace is not worthwhile. However, eBay’s current fee structure is 12% for books, which means sellers can offer better prices to customers. Also, big A has a flat fee of $3.99 to ship a book, unless the seller offers “free” shipping. As USPS offers “media mail” rates for smaller books, the shipping can be cheaper via eBay. Win-win, right?

Here’s an example of a book that I have placed on the marketplace for a client; basically big A gets $6 of the $17 price:

Amazon fee

The fee for that book on eBay would be $2.04. The difference between selling via eBay vs big A is 23%, which is about $4 on a book that costs $17.

Let’s say you’re a bottom feeder looking for a deal. Here’s what happens with a $5.50 book listed via the big A marketplace:

Amazon fee 2

The sale price is $5.50 and the fee for selling it via the marketplace is $4.21, which means the seller gets $1.29. Not many sellers will opt for such a small amount, which is bound to drive up the prices of used mass market paperbacks and/or popular hardcovers. By the way, as of this post, this same book is available for $3.34 on eBay, while the lowest possible price on big A is $4.75. Clearly, bottom feeders need to go to eBay for book purchases. And, while there, check out all the other goods available, from electronics, to clothing, to collectibles— often at better prices than you’ll find anywhere other than the neighborhood yard sale.

One reason buyers flock to big A is the user reviews. Unfortunately, those reviews are not particularly reliable. Big A is purported to fighting this issue, whether banning reviews by customers who have not purchased the item being reviewed, or attempting to  control “paid” reviewers. Lately, the issue with reviews on big A is a problem with “hijacked” reviews, where in a product’s reviews are actually for a different product. Certainly, if you must read those reviews, really read them, and don’t be fooled by the number of stars highlighted. All in all, while there may be more variety available on big A, the prices are probably better on eBay.

As a matter of full disclosure, I sell on both big A and eBay. My eBay store is here:

The Alternative Article

Earth Day

planetI have mixed emotions about this day, but I do like some of the promotions associated with it. There is a nifty kids’ consignment store over in Buford that is having a big sale today, urging their customers to buy used. For kids, that’s generally a win-win, as children’s clothing is often not worn out before it is out-grown, and as kids are hard on their clothes, cheaper options are better for play clothes. I noticed some emails from an online clothing vendor, which is offering sale prices and promotional buttons which say “used.” I’m not going so far as to wear one of those, regardless of how good buying and wearing pre-owned items is for the planet.

One of my friends works with elderly folk, doing both house-keeping and care-giving, and she recently brought me some bags of fairly nice clothing from a client who is downsizing. I’ve been going through those, listing some items on eBay, and setting aside some for charity. She was told to “get rid of them” by the client, so my friend had the choice of trash or wholesale charity, but she is a thrifty sort, as I am, so she went through them first. Some readers are going to say, “Yuck, I can’t imagine being that poor.” But, the truth is that neither of us is especially impoverished, but we do realize that the planet is better off when things are re-purposed or re-used.

In my kitchen, I have a compost bin, and I take it out regularly, adding to my compost pile in the back of my property. When I set out plants, I use the composted material for fertilizer, instead of using chemicals that aren’t good for me or the planet. When I’m away from home, I generally take a water bottle, rather than buying those. I use rags and towels when cleaning, rather than always using paper towels (which I can’t get hubby to do.) And, I’ve learned that Dawn+vinegar+water trumps most pricey cleaning products.

As a reader, I enjoy new and old books and magazines. These days, most of the content I read is in digital form, which sometimes saves significant amounts of cash, but it also prevents the waste associated with old or remaindered books. If you haven’t tried eBooks, this is a great time to take the plunge, as there is plenty of free and inexpensive content. Try the “Nook” app from Barnes and Noble, as it works quite well.

Earth Day is a chance to think or re-think consumption.

Where do you buy your car “farkles”?

cargo trayMy oh my, WordPress didn’t like the spelling of “farkles.” That’s more of a motorcycle term, I suppose, but it basically means shiny stuff that might actually do something to help the vehicle. My rather limited research indicates that this is a portmanteau word, based on sparkle and function. When hubby gets a new ride, he often wants to invest in some farkles.

Having bought (perhaps I should say perpetrated, based on its performance thus far) a new-to-us ride, I shopped online for some accessories. I began on eBay, but ended up purchasing via a site that insists I remove all links to its site. Anyway,  I wanted genuine Toyota items, and our local dealership isn’t known for giving big discounts on much of anything. Via a relentless online vendor, I got some All Weather Floor Liners (deeper and more sturdy than floor mats) and a Genuine Toyota Cargo Tray, which is also deeper than a mat, if not quite as heavy. While not exactly “shiny” these items are handsome and quite functional.

The car looks a bit better with these accessories. Now, if I could just buy a cushier ride….

Thoughts on Car Buying

2000My sometimes hated (but mostly beloved) minivan is no longer in my possession. After a few days of car shopping, I traded it in for a used Toyota. The van, a Honda Odyssey, was sixteen years old, so I suppose it was time. Still, it ran beautifully on the way to the dealership, so that drive was bittersweet. On the way, I passed by a yard sale, offering bikes and other things I might have purchased, because having things to do at Grandma’s house is where I am in life, but I didn’t stop, knowing that those items would probably not fit in the trunk of the sedan I was planning to purchase.

Buying a car has changed since I bought my first vehicle, that’s for sure. Now, the first contact is often online. Whether one picks the “chat” function or sends an email, there will soon be a contact. The phone starts ringing. Go in for a test drive, and (in Athens, Georgia) there is a mandatory meeting with the “sales manager.” Then, a couple of times, I got an email to see if the salesman met my expectations.

After I finally said I might be interested in a used Honda, I got an offer of $500 for my old van. As it has been more truck than family vehicle for a while, with the typical bumps and scrapes associated with that duty, I wasn’t expecting much. But, that deal had me paying more than the maximum KBB value on the seller’s car, with half the typical auction estimate on mine. Really, that wasn’t what I wanted to hear.

Eventually, I ended up at a more rural dealership which didn’t use the “meet the manager” approach. I got $900 for my old van, which was still a very low number, and a newer car for less money. Oh, and I got to keep the new to me car overnight and take it for an inspection prior to purchase. The dealer even gassed it up for us before the extended test drive.

After I’ve had this vehicle for a while, I guess I will know if it was a good purchase. But, I can say that the pressure to buy was less out in the country. In the mean time, I guess I’ll be looking for some accessories for the “new to me” ride.

Righting the Roof

Architectural-Shingles-For-East-Coast-HomesHere in the south roofing tends to fail long before the “thirty…fifty” year supposed lifespan of the shingles. Our house has developed some leaks, so it is time for a new roof. And, as roofing is expensive, and the house is big, I talked with some friends and family about the roof before calling the first roofer. Everyone we talked to said that prices vary widely, so we should get multiple quotes, and we settled on trying to get three. That has been difficult.

Last fall,  hubby asked around and one of his co-workers recommended a roofer who lives close by, and he offered to come by and take a look. This guy was a no-show, but the house isn’t in horrible shape, so we just let it go through the winter. In February, we noticed some new damage, and got a recommendation from a friend who works in construction, and that company did send a representative, who crawled on our roof and through our attic for over an hour. He was supposed to send in a quote via email, but we didn’t get it. Hubby emailed them, asking again for a quote and we got no response. I called a company with billboards all over the area, and they sent a sales rep who offered me an instant quote, but it was so high that I got the impression that we would be funding billboards as well as getting a new roof. So, I called another company who is highly ranked on Yelp, and they sent a representative who toured the attic and did a walk around, and he was supposed to send in an email quote, but we got nothing from him either. Meanwhile, I sent an email to a contractor who has helped us in the past, and he wasn’t happy that we asked for a written quote, but he did provide one.

So, despite contacting four actual roofing companies and one general contractor, we only have two quotes (at 27K and 14K.) That’s a big spread. Fortunately, the lower one is from the general contractor, who is a nice guy, and I believe he will do a good job. I would have liked a company that offered a transferable warranty for when we sell the house, which he does not offer, but the high price quote doesn’t offer that either….

Honestly, the most confusing aspect of this is why would two sales guys spend the time to come out to our home, walk the attic and the perimeter and then not even offer a quote. Weird, huh?