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mitjones004-blog · 5 years ago

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out of class stuff

The Sanctuary

I’ve put in some long and hard thought into what I would write about in the short 250 word free-write. When it finally hit me I became more stoked than anything else could have ever made me in that moment. This is something that has driven and fueled my passions for years, other than my hormones. This is Taco Bell.

To put into words the history-making experiences I have with my buddies at Taco Bell will be extravagantly, and explicitly kept as though it were the dying emblem of one of my very own ancestors. Kept where you may ask? Just as the saying goes, “what happens in Vegas, stays in Vegas.” The same is done with Taco Bell. Therefore I will make the suggestion that you finish reading this free-write essay inside of the sanctuary of any chosen Taco Bell location.

Senior year, PROM; As the limousine approaches, it is noticed by the gentlemen that the windows are tinted both inside, and outside of the vehicle. Just as expected; our dates had been waiting for very long to find out what we would be enjoying as dinner on that night, and to each questioned raised on the subject, the response remained the same as a mere, “We’re figuring it out.”; Suddenly, the limo comes to a halt, stepping out of the limo the reaction defined in one word could have been nothing less than priceless. Each one of our dates knowing full well the obsession, addiction, passion, religious devotion, or whatever you may call it to Taco Bell was worthy of our senior year prom’s dinner. Years would pass on and these extravagant, and most explicit experiences would continue. Whether it was passing by Taco Bell Headquarters in Irvine, California, entering into the one and only Taco Bell merchandise store in Las Vegas, or just simply competing with our own record of eating at Taco Bell more than 8 times in one week. There is no end.

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Accountabilities Irresponsibility

Going through life we must remain accountable for all of our actions. There is a consequence for every action taken, both good and bad. And to avoid the bad, one thing I have found useful is planning. Not just in your head, making a general idea of how things will work out, but creating a detailed outline of life. That is a part of where pure accountability comes from. When one decides that they are accountable, they decide that everything which comes their way is 100% due to their actions. Even when you clearly had no control over it. This has very little to do with fault, and everything to do with accepting what comes your way. Whether you are ‘lucky’ or not. Through life, I have found that my ‘luck’ has gotten increasingly better as I have bettered myself in my habits, attitude, and so much more. This “luck,” has turned into mere results for my hard work. If anybody thinks Lebron James got into the NBA because he got lucky, they are sorely mistaken. Clearly it is because of hard work ethic, determination, good habits, and accountability. That is why I think ‘luck’ is the irresponsibility of accountability. It has no correlation with it, yet, benefit still comes from it. This benefit is just what has come from hard work. Each person has the opportunity to create what I like to refer to as atomic habits using a compound effect. If one person wants to do better in any aspect of their life whether it be in athletic ability, eating habits, education, work, family, all they have to do is begin one habit. If one wants to start a better eating habit, start to track every calorie that goes into your body. That will surely do the trick every time you need to write down, “slice of chocolate cake” on that piece of paper. You’ll think at least twice before taking your first bite.

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The Game Plan

A Routine

The Morality of Money

Money is one of the greatest known influences in the world today. It determines much of what you do, depending on how much or how little you have. As humans, meeting our basic needs with the amount of money we have is what we strive for in our day to day activities. Everything revolves around that basic concept. We go to the store so we can buy food to survive, we have a job to make money providing for these needs, we take care of our own children to be able to not only sustain our race on this planet, but to help sustain our emotional, and even spiritual necessities. Everything revolves around meeting these basic needs, and so much more. What will determine how well these needs are met, is the money we earn, which is determined by the amount of qualified labor exerted.

In a recent tweet published by Ilhan Omar; a politician in the House of Representatives for the 5th congressional district of Minnesota. She gives her moral standpoint of how money should be distributed, “Walmart CEO’s salary last year: $23,618,233. A Walmart worker’s median pay last year: $21,952 The issue isn’t that these employees aren’t working hard enough. It’s that our system doesn’t value workers. And it’s a moral outrage.” This text is implying that regardless of occupational status within one’s company, there should be a connection between the salary of the highest payed worker (the CEO), and the lowest payed worker (the store employee). This connection would reside in the overall net income of the company. Suggesting that the CEO makes 60% (ex.) of the overall income, while store employees make 40% (ex.) through hourly wages. The reasoning she gives for this, is to better value workers in the system.

The amount of money earned is determined by the amount of qualified labor exerted. In other words, the value of any worker is based off of the tasks he/she is required to perform, along with the qualifications they possess. These qualifications may be expressed in several different ways. I have come to the conclusion that these qualifications consist of many different determining factors, however, I will state three of them, which for the purpose of the essay, are the most important: 1) An educational degree. 2) Years of experience within a particular field of work. 3) Ownership of ideas. At least one of these may be expressed situationally as a difference between the CEO of Walmart, vs. a store employee. That is what I will be analyzing throughout the rest of my essay.

An educational degree is very important in this process of analyzing evidence. According to a study done in July of 2019, a college graduate makes anywhere from 38%-167% more than one without a university degree depending on the state you live in. This is a substantial difference that shows us the quality of jobs one obtains with a degree. Unless by choice, a person will not take a lower paying job such as a store employee, when they may have another with higher pay. On the other hand, persons without a university degree are limited as to where they may obtain a job. They lack the qualifications necessary for anything above an hourly paying job, unless they have several years of experience. Leading into my next piece of evidence. There are many benefits for staying with one company throughout an extended period of time. Many businesses will reward you with substantial benefits such as a pay increase, position upgrade, as well as others. This is due to the knowledge you have gathered throughout the allotted time you have stayed with the business. However, you may only excel to a certain point within one company, and it is very difficult, with little compensation compared to the amount of time you spend working. The CEO is someone who generally speaking, has some form of a college degree. He is well educated, and has very much experience in the market he resides in. While the store employee frankly does not. His salary, is no limited to anything, other than the amount of work he is willing to put into his company, to help it grow. Depending on the size of the company, and its products, the CEO will receive his salary.

As an employee, you have very limited say in what goes on in the workplace. This is due to the lower position you hold. Any idea, or suggestion you have is not your own. It is the companies, or in other words, the CEO’s. In many cases, the most you will receive for any innovated idea is a verbal recognition. The profits made off of a profitable idea would all go towards the company, and thus ending at the CEO. While you are working on somebody else’s clock, you are essentially their property. You agree to do what they ask you to do, and decide that you are a part of them. One Walmart employee cannot create another store named “Walmart,” because it already exists somewhere else! Even if it were originally his idea. Because he was worked there at the time he mentioned the idea, he had no way of making it his own. This helps determine the difference in salary between the CEO and the employee. Generally speaking, the original idea of the business came from the CEO. He owns the creative mindset that had established everything around him (in the case of Walmart as well as many others), so he must be the one who profits from it. Therefore, for an employee to benefit more than he already is from his hourly wage, is not ethical. However, raising the hourly wage due to the quality of labor performed, or the educational level of the employee is a sound argument.

What Ilhan Omar suggests, is that $23,618,233 is too much money for one person to be profiting off of, and therefore must be distributed among the other workers. Specifically, to the lower class within the workplace. This political mindset is to help put government regulations on how much money one person can make. Whether that means putting a limit as to how rich you can be, or how poor you can be. This would be ethically wrong, putting this limit would hinder the upper class by putting a cap on how successful they could be. Or in other words, just how smart and educated one could be. For example, one group of people who are within the upper class are doctors. They are in this class due to the amount of education they must receive to be certified for the tasks performed. They receive their compensation for this. However, if a limit is placed, yes, more of their money would be distributed to the lower class, but the success of the upper class would be inhibited entirely. As Omar suggests, establishing a percentage as to how the profit of a company is distributed would create chaos in the business market. This is due to the gap between large and small businesses. An employee who works at Apple, Nike, or Tesla would have a very high revenue, while an employee at a small startup business would take home a significantly lower revenue. Over time, this would cause a downfall in small businesses, due to a lack of employees with the desire to work for these smaller companies, because of the amount of money they would receive. And eventually, creating an even larger gap between the upper and lower classes, defeating the purposes to which Omar suggests would help.

In 2009, China took the lead in implementing a restricted salary for CEO’s, due to the argument that executive pay was excessive and unjustified by performance, and should thus be restricted. The results for this were just as drastic as the cut in CEO salary, affecting primarily the performance of the overall companies for the worse. CEO’s had decided that if they couldn’t increase their salary, they would instead increase their benefits such as company cars, bonuses, company vacations, etc. These incentives didn’t benefit the average employee whatsoever, thus demotivating them from doing their job. These performance issues could happen here in the most industrial country that exists in the world today. Our capitalistic economy is used to benefit everybody that seeks out success.

In our economy today, capitalism is used help each American to achieve their dreams. And in this land of opportunity we may achieve those based off of the quality of labor that we perform. Hence the phrase, where little is expected, little is given. Where much is expected, much is given. Each person has been custom built the opportunity to succeed in this country, and whether they take this opportunity is their choice. Any successful CEO earned their profits through their own proper labor. To distribute a CEO’s pay to anything less than what he has earned through his business would be immoral, and unethical.

Hidden Figures:

The movie “Hidden Figures” Margot Lee Shetterly was released January 6, 2017. A movie based off the 1930’s-1960’s. This was an interesting time in history when segregation was being inflicted on people of color. And women being discriminated against as well. This movie shows how three intelligent women of color made a difference in society. The first one is Mary Jackson, a dedicated Engineer being used as a “computer” for the N.A.S.A. Space Program. Segregated along with about 30 other women of color, she decides to jump out of her social norm, applying to be an Engineer for N.A.S.A. She is reluctantly declined for the position due to new standards of having to graduate from a specific University. Of which was only accepted white colored people. She was quickly put right back where she started. Until she decides to take a stand. File, and present a court case. After months of waiting, studying, and preparing, she presents, and becomes the first black woman to enter into an all white university.

Kathrine Golbe also presents a significant role in this true story. As a remarkable mathematician she is accepted into the N.A.S.A. launch program. Working in a room where she stands alone. Alone as the only colored woman. Where all she gets are awkward stares and extra labor. She is widely discriminated against, because, as Paul Stafford says, “That’s just the way things are.” Kathrine does everything in her power to represent what is morally and ethically right. In the end, her ideas and her color are more widely accepted.

Dorothy Vaughan was an activist in striving to improve the work environment for her Native American employees at N.A.S.A. Fighting against power in the workplace, she takes an initiative in educating herself, and 30 other women to operate a newly developing machine. Successfully, her and her entire team get promoted into the program.

This movie demonstrates good morals, by showing us that people and government should always stand up for what is morally and ethically right. Running against society if needed, just as these three women did.

Glory: 2hours2minutes

Glory is a film released in 1989, based off the true story of Robert Gould Shaw. This is a traumatic story, beginning with Robert being injured during battle. Receiving a medical leave, he returns home only to be offered a Colonol position of the 54th Massachusetts Regiment. This wasn’t any regiment, this was the first all colored regiment ever established. In the beginning, all the way up towards the end, the 54th faced many trials. The men learn that, in response to the Emancipation Proclamation, the Confederacy had issued an order that all black soldiers would be returned to slavery. Black soldiers found in a Union uniform will be executed as well as their white officers. They each had a single moment to back out with an honorable discharge, leaving in the night with their belongings. By the time Colonol Shaw had woken up, he walked outside with a sight before his eyes. Every soldier had stayed. With a devotion stronger than ever to serve their country. They all continued on through intense training, awaiting the day for when they would finally see battlefront. This was one of their biggest struggles, they were being used for nothing but manual labor, and pointless missions, until Colonol Shaw decided to put his foot down. To fight for his men to see battle.

This wasn’t all he had demanded, his troops were lacking proper uniforms, and shoes. With their feet being torn up throughout the intense training, Shaw fought to have his men get what they deserve as soldiers for the army. Towards the end of the film, the 54th is faced with a trying task. They volunteer to attack Fort Wagner. A troop charge that is certain to result in heavy casualties. And when asked if the regiment is ready for such a task, Shaw replies, “There’s more to fighting than rest Sir, there’s character.” This is a bold statement that showed courage. And that is what I believe is one of the things this movie shows representing good ethics. The 54th was not just simply fighting for themselves. As a matter of fact, they were fighting for all the people within the country, and for their generations to come. “We fight for men whose poetry is not yet written.”

Hearing His Voice - David P. Homer

When I was on the mission. Our mission Presidents wife had looked at us, and asked how well we could recognize other peoples voices. Like your moms, or your best friends, or anyone else around you! We all kinda knew where she was going with this. But then looking at us, she said, “Well let’s see how well you can recognize this voice…” After playing the voice recording, nobody had even remotely recognized who was talking. Until a hand went up and said, “Was that my mom??”

It was. As missionaries we got quite a bit out of this training. Including being trunky out of our minds as she went through some of the missionaries mothers voices.

There are so many competing voices in our world today. People who are willing to do anything to gain our attention. Anything from breaking news, to tweets, Siri, and so many more. And we must pick and choose which voices we will trust. Sometimes we’re going to follow what is most convenient, sometimes, where everyone else seems to go, and other times simply whichever offers the most pleasing outcome.

And it will not always be, that these choices will lead the the right path. David P. Homer says, “What is popular is not always what is best. Halting between two opinions brings no direction. Convenience rarely leads to things that matter. Fixation on a single voice or issue can impair our ability to see. And relying solely upon our own thinking can lead us into a hyper intellectual stupor of thought.”

Many people believe, that the only voices which affect them are the ones they choose to listen too. But just as those create an impact, the ones you choose to NOT listen to will affect you as well. We cannot be careful enough in choosing who we’re around, who we follow, and even what ads pop up on our technology devices. Too much time in faithless places, will let well-intended voices dry us out of a more spiritual voice we must so attentively pay attention to.

OBEY the Commandments

If you want to here Gods input for your life you must be worthy of it. I had a guy once look at me on the mission and tell me that even though he was selling drugs, that God was still with him. Helping him. He could not be more wrong. No member of the Godhead can be before even the least allowance of sin. Daily repentance is needed. And God not only asks us, that we remain worthy of this special gift he so freely gives. But that we ask, seek, and knock.

How can we just “not be sinning” and expect to have his divine help. We would be as said in general conference, “casually living the gospel.” Instead of devotedly. If you are casually living the gospel, I invite you to do better, and be better.

Paul is a great example of this. Over and over again, he gives his conversion story to anybody and everybody that is willing to hear. He was a great, devoted member of the church! Today he is known as a man of great faith, that obtained success through his efforts, and belief in the Savior. But just as he was and is all this that’s been said, he was also very much like each one of us. I don’t think he walked around saying, “Man I’ve got all this faith why don’t I go move a mountain right now. Or baptize enough people to get pneumonia! (Jefferey R. Holland)

He mightave been a little scared at times. Didn’t always know what to say. But if there were ANY difference between him, and us. It would be his diligence in adhering to the word of God, and his ability, to listen to the spriit.

A Word of Caution

I would like to extend a word of caution. The Holy Ghost is there to guide us, protect us, lift us up, and so much more. But “hearing his voice,” does not mean we sit in our rooms on our knees, waiting for a voice to come and tell us what to do.

Moroni 7:16-17 For behold, the aSpirit of Christ is given to every bman, that he may cknow good from evil; wherefore, I show unto you the way to judge; for every thing which inviteth to do good, and to persuade to believe in Christ, is sent forth by the power and gift of Christ; wherefore ye may know with a perfect knowledge it is of God.

17 But whatsoever thing persuadeth men to do aevil, and believe not in Christ, and deny him, and serve not God, then ye may know with a perfect knowledge it is of the devil; for after this manner doth the devil work, for he persuadeth no man to do good, no, not one; neither do his angels; neither do they who subject themselves unto him.

The best thing we can do, in any given moment, is to go about doing good. And I promise that on your path you will be placed before you. During the last two years, I was pretty conflicted on deciding which university I would attend. I searched for an answer for months. In every way possible. Until one day I came across this statement by Dallin H. Oaks (I have read it already, to a small group of you. But I feel it’s important), “A person may have a strong desire to be led by the Spirit of the Lord but… Unwisely extends that desire to the point of wanting to be led in all things. A desire to be led by the Lord is a strength, but it needs to be accompanied by an understanding that our Heavenly Father leaves many decisions for our personal choices. Personal decision making is one of the sources of the growth we are meant to experience in mortality. Persons who try to shift all decision making to the Lord and plead for revelation in every choice will soon find circumstances in which they pray for guidance and don’t receive it. For example, this is likely to occur in those numerous circumstances in which the choices are trivial or either choice is acceptable.

“We should study things out in our minds, using the reasoning powers our Creator has placed within us. Then we should pray for guidance and act upon it if we receive it. If we do not receive guidance, we should act upon our best judgment. Persons who persist in seeking revelatory guidance on subjects on which the Lord has not chosen to direct us may concoct an answer through the medium of false revelation.”

Most of the decisions we make in our lives, come based off our own knowledge and understanding. Rarely the spirit will be able to place something in your mind you don’t already have a base knowledge of. That’s what the scripture, “Line upon line, precept upon precept,” means. And the last part of that scripture reads, “for unto him that receiveth I will give more; and from them that shall say, We have enough, from them shall be taken away even that which they have.” That is why studying the gospel, is so important. That is why we ask, seek, and knock. And why alma wants us to plant a seed in our hearts, so that one day it may grow into a perfect knowledge. God, the Holy Ghost, the Savior plead that we make our own decisions. They will lead us and guide us but the decisions are ours. That was the plan. That is free agency.

The PLAN was not to send us down here for him to tell us where to go, what to do, and what to say in any and all moments. That is the opposite. I don’t want to say that God will not help us make our decisions. I want to say that he will NEVER take away our free agency. Our right to choose. And as you choose carefully, he will bless you, and help you to know you are on the right path.

So now I ask, what is the relationship between our own personal judgement, and relying on the spirit? It is exactly what we’ve mentioned. Free Agency. And the knowledge of good and evil, or in other words, the “Light of Christ.”

These things have been with us since the beginning of time.

How you use your free agency will align your own judgement with the will of God, or not. But if you use it wisely, you will remain sensitive to his promptings. As well as to what isn’t right. It is very possible for us to become num, or even routined with things that aren’t morally, or spiritually right. As the spirit did to the Lamanites and Nephites, he will withdraw himself more and more.

Where we can find his voice

There are numerous ways we can find his guiding voice. They’re all the primary answers. And looking for the Holy Ghost in any one of these places is good! But looking in several of them is better! After listening carefully, we can do as President Thomas S. Monson directs, “We watch. We wait. We listen for that still, small voice. When he speaks, wise men and women obey.”

I would like to finish off with a quote by our prophet, of which I’m pretty sure gets mentioned at least once every week. It’s powerful. He says, “in coming days, it will not be possible to survive spiritually without the guiding, directing, comforting, and constant influence of the Holy Ghost.”6

I know the Holy Spirit can reveal all things unto us, in the name of Jesus Christ, Amem.

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eddiesjones · 6 years ago

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Question about practising in Norway

Hi all,

Following thorough research about where I should expatriate, I landed on Norway. However, in this decision I lack a specific element of comparison: the physiotherapy practise specifics of the country. Beside what the WCPT country profile has to offer, and since my Norwegian is too poor right now to understand their association website, I thought maybe this thread could answer some of my questions :)

1) How is the job market for PT’s in Norway? The work culture there seems to imply that job offers don’t go online. There is hence no way for me to know if it is viable to look for a job in this country. The only indicator I have is the PT by inhabitant ratio, which is about 1/400. This number suggests that there is no need for immigrant PT’s, but does not tell me if there are geographical disparities that could lead to increased demand in rural areas or specific cities.

2) What level of Norwegian is required to land a job? I am working hard on it, but still wonder if they expect foreign physios to speak a perfect Norwegian or if basic conversational skills are sufficient if coupled to English.

3) What are the particularities of the scope of practise and the profession in general? For instance, in the UK there are certain prescribing/injection rights, in Australia there are PT’s working in the emergency department, in Canada you can order specific imaging, and in my country (Belgium) we’re still at the point where patients have no direct access to physiotherapy. I cannot find anywhere, at least in English, the specifics of Norway, except that physiotherapists can put patient on sick leave (but that’s vague). This question is to assess the level of responsibilities you have, directly linked to job satisfaction in my case.

4) Can you charge excess fees in the private practise? Or what is the hourly wage of physiotherapists working in their own private practise? All I can find are public hospital rates, which, on paper, look like a little bit underpaid considering the costs of living (300k NOK). Are those “public” rates applicable to private practise too?

5) Do you feel supported by your professional association as a Norwegian PT? This is important to me as it usually means the country will adapt faster to global change about the profession.

6) Are there exciting continued education opportunities? For instance in France you can become an osteopath at the same time, or certify in manual therapy. I am still finishing my master’s degree and will probably specialise in traumatology, orthopedics or pediatrics, depending on what is recognised and valuable in Norway’s job market.

7) Subsidiary - where do you feel is the best country/place to work as a PT in terms of job satisfaction? I have considered many countries and am still unsure about my decision…

Thank you so much for answering any question listed here, or even any specifics I forgot to mention! I am desperate to know more, before taking such an important decision.

Cheers!

submitted by /u/TranscryptionFactor [link] [comments] from RSSMix.com Mix ID 8302117 http://bit.ly/2Uutbft from Preferred Rehab https://rehabherelive.tumblr.com/post/182488854645

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rehabherelive · 6 years ago

Text

Question about practising in Norway

Hi all,

1) How is the job market for PT's in Norway? The work culture there seems to imply that job offers don't go online. There is hence no way for me to know if it is viable to look for a job in this country. The only indicator I have is the PT by inhabitant ratio, which is about 1/400. This number suggests that there is no need for immigrant PT's, but does not tell me if there are geographical disparities that could lead to increased demand in rural areas or specific cities.

3) What are the particularities of the scope of practise and the profession in general? For instance, in the UK there are certain prescribing/injection rights, in Australia there are PT's working in the emergency department, in Canada you can order specific imaging, and in my country (Belgium) we're still at the point where patients have no direct access to physiotherapy. I cannot find anywhere, at least in English, the specifics of Norway, except that physiotherapists can put patient on sick leave (but that's vague). This question is to assess the level of responsibilities you have, directly linked to job satisfaction in my case.

5) Do you feel supported by your professional association as a Norwegian PT? This is important to me as it usually means the country will adapt faster to global change about the profession.

6) Are there exciting continued education opportunities? For instance in France you can become an osteopath at the same time, or certify in manual therapy. I am still finishing my master's degree and will probably specialise in traumatology, orthopedics or pediatrics, depending on what is recognised and valuable in Norway's job market.

7) Subsidiary - where do you feel is the best country/place to work as a PT in terms of job satisfaction? I have considered many countries and am still unsure about my decision...

Thank you so much for answering any question listed here, or even any specifics I forgot to mention! I am desperate to know more, before taking such an important decision.

Cheers!

submitted by /u/TranscryptionFactor [link] [comments] from RSSMix.com Mix ID 8302117 http://bit.ly/2Uutbft

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elizabethcariasa · 6 years ago

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Kamala Harris' proposed tax credit gets Trump's attention

Sen. Kamala Harris (D-California) during a Judiciary Committee hearing on a bill she introduced. Another Harris proposal, this time a tax credit for middle-income taxpayers, has caught the White House's attention. (Photo courtesy Kamala Harris Twitter account)

It's official. Unofficially. The 2020 presidential campaign is underway.

Last week, California Democratic Sen. Kamala Harris introduced her LIFT (Livable Incomes for Families Today) the Middle Class Act. The bill's most notable feature is a refundable tax credit of up to $6,000.

Tax-savvy folks know a tax credit is better than a deduction because it provides a dollar-for-dollar way to cut your tax bill.

If, in the case of Harris' proposal, you qualified for the full $6,000 credit and had a tax bill of $7,000, then you'd offset that tax liability with the credit and end up owing the Internal Revenue Service only $1,000.

Even better, Harris wants the credit to be refundable, which is just what its name sounds like.

In the previous case, if your tax bill was $5,000, then the $6,000 credit would wipe out what you owe Uncle Sam and you'd get the $1,000 extra credit as a tax refund.

Suffering from stagnant earnings: The Golden State's junior Senator says her plan would address the inequality exacerbated by the Republican Tax Cuts and Jobs Act (TCJA).

"Americans are working harder than ever but stagnant wages mean they can’t keep up with cost of living increases," said Harris in announcing her bill. "We should put money back into the pockets of American families to address rising costs of childcare, housing, tuition, and other expenses. Our tax code should reflect our values and instead of more tax breaks for the top 1% and corporations, we should be lifting up millions of American families."

A recent study by Pew Research Center supports Harris' contention.

After adjusting for inflation, today's average hourly wage has just about the same purchasing power it did in 1978, following a long slide in the 1980s and early 1990s and bumpy, inconsistent growth since then, according to Pew's analysis.

"In fact, in real terms average hourly earnings peaked more than 45 years ago: The $4.03-an-hour rate recorded in January 1973 had the same purchasing power that $23.68 would today," notes Pew senior editor Drew DeSilver in writing about the study.

Monthly or annual tax help: To help middle-income Americans deal with increased living costs and stalled wages, Harris wants to give them up to $6,000 a year per family as a refundable tax credit.

Here's how she says LIFT would work:

The $6,000 tax credit would apply to households earning less than $100,000 annually.

Single filers making less than $50,000 would get a maximum $3,000 annual tax credit.

The tax credit could be accessed as monthly payments or in full at the end of the year. If the periodic payment option is chosen, eligible families would get $500 a month and individuals would get $250 per month.

The Tax Policy Center chart below shows how the LIFT tax credits would work across income levels:

Harris also cites an Institute on Taxation and Economic Policy evaluation that estimates the LIFT Act would impact one in every two workers and two out of every three children in America. In addition, ITEP estimates approximately 1 million Pell Grant eligible students would qualify for the credit of up to $3,000.

Echoes of the EITC: Taxes have always been used as a tool of economic equality, so Harris' bill is not revolutionary.

In fact, LIFT is similar to a proposal that a fellow federal lawmaker from California introduced last year utilizing the Earned Income Tax Credit (EITC), a 1975 tax break prompted in part by LBJ's war on poverty efforts and which has been expanded by various pieces of tax legislation over the last 40-plus years.

Rep. Ro Khanna's (D-California) Grow American Incomes Now Act (GAIN) proposed to almost double the current EITC for families with two kids, bringing it to a maximum of about $10,800. Single workers also would get a big bump, with their potential EITC amount going from $510 to $3,000.

Sen. Sherrod Brown (D-Ohio) introduced a companion GAIN bill in the Senate. As expected with both Congressional chambers under GOP control, the proposal went nowhere.

The EITC, despite the complications that taxpayers face in filing for it and the potential for fraud, still is seen by many as one of the best ways to provide a tax break for lower-income working people.

The EITC used to have an advance payment option, similar to the monthly payments Harris has included in LIFT, but that option was dropped due to administrative problems.

More political more than probable: Obviously, Harris' bill isn't going anywhere right now.

It probably won't advance even after the midterms since it appears the Senate will remain in GOP control after Nov. 6.

But if, as expected, Harris seeks the 2020 Democratic presidential nomination, she'll be discussing LIFT a lot.

It's already a conversation starter, being equally hyped and hammered.

And the talk has made it to the top of the political food chain, apparently being addressed, albeit obliquely, by Donald J. Trump.

Trump, speaking to reporters after a campaign rally in Nevada on Saturday, Oct. 20, said House GOP leaders are working on developing a "major tax cut for middle income people" that will be unveiled "sometime just prior, I would say, to November."

Uh, no.

Done in D.C. for now with taxes: The House on Oct. 1 passed three GOP Tax Reform 2.0 bills, designed to expand and make individual tax components of the TCJA permanent. Then all the Representatives left Washington, D.C., to hit the campaign trails.

The Senate, too, has recessed until after the Nov. 6 votes are cast. It did so without taking any action on the latest House-approved tax measures.

So there's no way any new middle-class tax bill will suddenly appear in the coming weeks.

Still, Trump felt compelled to emphasize this weekend that this mythical new tax plan would not be for business, but basic Joe and Jane Workers.

"Not for business at all," Trump told the gaggle of reporters. "For middle-income people. Now, the last was for middle income and for business, and our business is now coming back because of it."

It sounds like he's been hearing about Harris' bill — and thinking about her possible 2020 presidential bid — and wanted to pre-empt it as much as he could.

You also might find these items of interest:

6 special situations where the EITC could help

Ignoring the EITC could cost you valuable tax dollars

Midterm elections' prospects complicated by state tax connections to federal tax reform

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I am 19 years old and i go to school part time, so i am not able to get my moms insurance, and i also work but dont get insurance there either. I come from a low income family, so i ...show more""

Does the new Health Care law mean we have to buy insurance like auto insurance?

If yes, what happens to people who can't afford to purchase insurance? Will they check somehow, like when you get your driver's license or fill out tax forms or what? If people don't have insurance because they can't afford it, will they figure out a way to fine you like they would if you didn't carry auto insurance? Thanks in advance for your help.""

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Got an insurance check for hail damage on my car do i have to repair my car?

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How much does boat insurance cost on average for a 28ft boat?

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How much does insurance cost for a new 16 year old female driver?

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Did you know about a lost payee on your car insurance?

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Typical insurance rate of a used Chevy Impala?

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Insurance about my new car?

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Why is my car insurance so expensive? Give me a GOOD reason why.?

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Which cars/models have the lowest insurance rates?

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Car insurance renewal?

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Can i put my car under my dads car insurance?

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How come car insurance vary so much between different cities for the same car and driver?

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Will hail damage raise my car insurance rate?

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Can anyone recommends a good and cheap car insurance in CA? Thanks

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Do rich people need health insurance?

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How much is motorcycle insurance on average?

I'm looking at a 2013 Victory Boardwalk. My parents are going to make me pay the insurance for it but I don't know how much it's going to be. It's Progressive Insurance by the way.

Should I open a whole life insurance policy or a 401k first?

I met with a financial consultant who told me that the 401k is the last thing I should start. She says it makes more sense to open the whole life which compounds 8% return on my money yearly and pays a yearly dividend. Which is smarter to do first?

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and what car insurance you have?

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Car insurance when go to college?

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I am an 18 year old first time driver. the car has 133000 miles on it and i'm thinking about buying it from a friend. it is white. how much will the insurance be monthly? roughly?

A question about car insurance?

I currently live in Minnesota, where the price for my auto insurance is around $910/6 months for the most basic insurance required by law, which is 30/60/10. In August, I am moving to North Dakota. I wanted to change my insurance to my North Dakota address, since their requirements are 25/50/25, and will cost me only half of what I am paying now. So my question is, do I have to change anything? Do I have to change my legal home address to North Dakota and get a North Dakota address, or can I keep my Minnesota address and license? I'll honestly do anything it takes, since I will be living in ND for four years and will probably end up making that my legal home eventually anyways, I just need to know if there is anything I need to do immediately so my car insurance is legal.""

Buying a home in south caroline?

Just wanted to know if Conway is near the Myrtle beach airport and how far it is from the beach. How much is real estate tax for a home for about 100,000 to 200,000? Are there any marina's close to Conway? Is there a city wage tax on income? How much is car insurance? We live in philadelphia and are tired of the area and the high cost of living. Thanks, Jeanete [email protected]""

""What would be the best Ford for me, insurance wise?""

I have been contacting different insurance agencies for quotes and was quoted at 300 for a honda civic give or take some, but the lady told me I am much better off getting a Ford as I would be able to get a way better deal on them as they are easier to insure for people my age (20,m). Which Ford cars are good for this? I know the mustang is outta the question since its a sports car, but I was thinking of a truck or the small ranger truck.""

Car insurance is thrice than payment! Suggestions?

Hi, I have recently moved in Detroit midtown, and am thinking of buying a vehicle. I am looking at buying a Ford Fusion 2008 model with around 8K. However, every insurance quote (comprehensive) I have got so far is around $300 per month. Some have asked as much as $600. I am an immigrant who came to the US three years ago and so obviously do not have a long driving record. This is my first car. I do not have any driving tickets or violations. I am looking to use finance as my credit scores are good. Any body help me with some advice on this? Why on earth the car insurance would be thrice than the car payment?""

Car insurance discounts?

i am quoting car insurance and it seems to be outrageous ive heard of a few discounts are there any other im not thinking of ..military ..student ..good driver ..multi cars any others?

Young Driver's Car insurance?

I am 18 years old and have just passed my driving test. I'm looking at buying a peugeot 206 1.1 litre petrol car. The problem I'm having is that insurance is very expensive. My cheapest quote is 2000 a year. I just wondered if anybody knows of any cheap car insurance companies that could beat this quote? I've tried price comparison sites such as gocompare and they are all more expensive

Insurance and garages?

if your buying a car from a garage will they ask for proof of insurance bought before they let u drive it away or are they not bothered? ive arranged insurance online today and am picking up car later will they let me drive off with car if i say i booked it over the phone, obviosuly i dont have any paperwork as its coming through post?""

Older cars and Insurance..?

Im young..I don't know too much about cars yet. I was wondering, do older cars typically cost less to insure??? I know it sounds dumb but I really dont know. I had a 99 explorer, 91 sentra, 86 accord, and now I am probably getting a 74 Dart. I know insurance changes depending on your age and violations on your record..but it seems like older cars cost less than 'newer' cars. Will my Dart cost more since it is a classic? It is not restored yet, or sportin classic plates either. Does that change anything??? Is there a difference because of color, or model (ss, suv, convertible, truck, etc?) Let me know..""

""If i get a Salvage title car, can i have it registered to an insurance company?

By having a salvage title car would i be able to get a license plate and the registration for it without any problem?

Auto Insurance coverage -- How much Liability and Medical?

I got a couple of questions about about auto insurance coverage. Namely, what's the best amount of liability and medical coverage to select. 1) For the liability, I know it's wise to get the best liability that one can afford to cover your assets. But how about if one also gets umbrella coverage. For example, if one gets an umbrella coverage at a $2 million limit and the liability limit for the auto insuarance is $300,000 or $500,000, does it make sense to select the $500,000 or is it better to select the $300,000 limit since the umbrella coverage would kick in? 2) for medical, is this redundant coverage and not needed because wouldn't the liability portion also cover medical expenses? Or is it wise to get this, for example, if a passenger is not insured (no health insurance), so the medical part would help out in that case? Thanks.""

What is an insurance quote?

people say low insurance quote .... what is it. how does it work and how does the whole car insurance thing work what if i buy a $5000 car ... how much would i be spending every month including tax, insurance> EXCLUDE GAS""

Car insurance question?

It it legal to drive my mother's car if I have my license and the car itself has insurance but it is under her name, not mine? I'm in Illinois and 18 if that makes any difference.""

How will my first speeding ticket in Florida effect my insurance?

Ok I'm 19 and just got my first speeding ticket on the way to work today doing 9 miles over. So my question is how many points are added to your license for doing this much over and is there any way to avoid getting these points? If not, how will this affect my insurance? Is it going to skyrocket, even though this is my first speeding ticket ever?""

How much does your insurance go up after a ticket?

I got to experience how effed up and corrupted California's judiciary system is today. I go to check if I'm eligible for traffic school at my courthouse because it never said I wasn't when I paid online and I find out that I'm not. I never got any notice or anything and the people who helped me said its not they're responsibility to tell me if I can go to traffic school or not. Government workers who get paid way to much dont have the time to give me a heads up on if I can go or not I guess. Its my responsibility to but this area is foreign to me, I dont know anything about these laws and everything that goes with it. So I lost out on a non-refundable 60 dollars for no reason. I had to pay online because I would have missed a whole day of classes I had. That was more important then wasting my time at the courthouse. What I want to know is, how much is my insurance going to go up because of this ticket? Its at about 650 right now""

Are BMW's really expensive to repair/insure?

i wanted a bmw as a car, and my dad was going to get one, but then my uncle told him they're really expensive to repair/insure. ( i think he was just saying that because he couldnt afford it :/) but i feel like he is right because its a foreign car. so how much more would it cost to get a bmw than like a ford chevy or pontiac?""

What would the full coverage insurance be for a 2008 eclipse gs?

I'm 15 years old with a permit. I'm doing this for a driver's ed. project at school so it doesn't have to be very accerate.

Can a dealership sell you a car without car insurance?

I bought a car, thinking I had car insurance, and I want out. I didn't put any money down, yet i signed the paperwork and drove off the lot with the car. I brought back the same day, but of course they didn't take it back. Can they hold me to the loan if i didnt have car insurance and i have no job? I am only 19 and want a way out.""

How much Do you pay for Car insurance every month?

and what car insurance you have?

https://www.linkedin.com/pulse/why-my-car-insurance-quotes-so-high-cleofa-escobedo"

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trendingnewsb · 7 years ago

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6 Ways You’re Secretly Ruining Your Waiter’s Life

One of the biggest culture wars being fought today is between the people who work in food service and the people who think it can’t be all that bad working in food service. As a rule, we tend to side with the folks who have the power to spit in our tacos, but even then, we wind up accidentally making things worse for them every time we eat out. You’ve probably ruined a server’s day this week without even realizing it. For example …

“Hidden Menu” Items And Special Promotions Are A Damn Nightmare To Make

Viral posts about fast food “menu hacks” get tossed around the internet like discuses at an Olympic trial, so odds are you’ve strolled into a Taco Bell armed with a Rolodex of “hidden menu” items you can’t wait to try, such as a chili cheese burrito or a Dorito shell chalupa. The thing is, fast food restaurants operate based on order and routine (that’s why they’re “fast”), so while you may enjoy the feeling of being part of the Cheap Meat Sandwich inner circle, it’s the hourly servers who have to deal with the utter chaos of jury-rigging three different burgers into one bun for the benefit of some rando who thinks they’re too good to order from the menu at fucking Burger King.

Take the Chipotle quesarito, the unholy union of a quesadilla, a burrito, and boiling liquid cheese that could strip the bark off a California redwood. As some Chipotle employees helpfully explained on Reddit, ordering a quesarito will cause them nothing but misery. Not only are they a total hassle to make, but you’re also about to give a poor server second-degree burns so that you could order a burrito that almost certainly won’t wrap properly just to impress your friends.

However, even when an officially sanctioned abnormal or “promotional” item hits menus — something customers are encouraged to buy — it creates chaos and bloodshed. When Starbucks rolled out its Unicorn Frappuccino, a pink and blue monstrosity that looked like a blended Lisa Frank folder, it made sure customers knew that the colorful drink was only available for five freaking days. Naturally, people rushed to see what liquid candy disguised as coffee tasted like, and the baristas were the ones who had to suffer. Braden Burson, a teenage employee from Colorado, posted a video of himself ripping Starbucks Corporate a new one over his now-acute glitter intolerance. “My hands are completely sticky. I have unicorn crap all in my hair and on my nose,” he cringes. “I have never been so stressed out in my entire life.”

It wasn’t only Braden, either. The Starbucks Reddit page had a field day with the Unicorn Frapp, highlighting the plight of the broken baristas unable to keep themselves from drowning in a flood of pink sludge. Blue and pink powders combined with mango syrup choked the air and coated everything like instagrammable napalm. Baristas had to deal with a constant film of unicorn shit clinging to their body like some kind of metaphor for the spoiled dreams of youth. Seriously, this photo of an order of 56 Unicorn Frappuccinos will one day be shown as part of a trial in the Hague:

“All You Can Eat” Promotions Screw Servers Out Of Tips

We’re not here to shit on the idea of eating as many appetizers, bread sticks, miniature shrimps, and/or bowls of Mongolian barbecue as you can. That’s the American Way, goddammit. We simply feel that it’s our duty to inform you that your intestines aren’t the only ones suffering through these glutinous promotions.

You see, all-you-can-eat promotions bring in customers who normally don’t eat out, because they’re generally pretty cheap. We’ve all been there: You spend most of the week eating asparagus and butter sandwiches because that’s all your broke ass can afford, and then along comes Olive Garden with a tantalizing offer of never-ending pasta for ten goddamned dollars. So you show up with an empty stomach, consume roughly two meals’ worth of food, and then try to take what you can home. It’s a steal … especially from the servers who waited on you, whose earnings are disappearing at the same rate as the pasta bowls. Odds are if you were lured out of your home by the promise of a buttload of cheap food, you’re not going to be leaving much of a tip. After all, Oliver Twist didn’t slip a 20 into the jacket of the guy serving the gruel.

So all-you-can-eat patrons don’t tip big (partly because their bill is so low, which is the whole reason they went out), but another big problem is that they stay forever. It takes a while to eat your entire weight in shrimp, so these folks will camp out at their table for hours, which prevents their servers from getting new customers. Anyone who has ever waited tables before knows how important it is to get multiple tables in a night just to break even in tips by the end of their shift, and a family of five gasping their way through a third round of plates at Golden Corral clogs up the flow of business.

Waiters have been complaining about these practices forever. Restaurant owners may claim that it drums up more business, meaning more money for the staff, but the math on these promotions doesn’t add up. They work their staff harder, they get paid less to serve more food per billed line item, and the buffet gobblers keep tables from opening up and bringing in new customers. Restaurants with all-you-can-eat promotions both target customers who make less money and force their employees to work for less money. It’s a delicious double-edged sword.

Large Parties Leave Terrible Tips (Which Get Taxed)

When you go to a restaurant with a large party (whenever you’re able to wrangle more than half a dozen of your friends to be at the same place at the same time, so either you’re going to the prom, a wedding, or a funeral), there’s often an “automatic tip” added on of 15, 18, or even 20 percent. The reason for this is that, despite it being a lot of extra effort keeping track of ten people ordering completely different entrees — some with tomatoes and some with don’t you dare put any tomatoes anywhere near this fucking thing — something called the magnitude effect kicks in, which basically means that people tend to tip less percentage-wise the larger a bill becomes.

The auto-tip was supposed to combat the magnitude effect, and for a while, it more or less did its job. Then in 2014, servers got slapped with an IRS law which says that any automatically added gratuity is now considered earned wages instead of tips, and that’s a huge difference. We apologize in advance for the upcoming math.

Say a party of ten puts together a bill of $200 and there’s a 20 percent auto-gratuity of $40. That $40 is already used to tip the busboy, cook, and the guy whose job appears to be chain-smoking and occasionally wiping off some menus. That means that, for handling a large party over the span of probably an hour or more, the server made maybe $10. According to the IRS, that $10 tip isn’t a tip at all, but “non-tip wages,” which are subject to Social Security tax, Medicare tax, and, of course, income tax. Not only does that dent their income, but the server also probably didn’t get a chance to work many other tables, because large parties require a lot of attention and tend to stay for well over an hour, meaning that they couldn’t earn any non-automatic tips from other tables with smaller parties. The government is apparently so hard up for cash that it needs to nickel-and-dime people who are already making less money than the “street artist” standing outside the restaurant.

Not that servers have to worry too much about figuring out the taxes of their auto-gratuities, because you can’t tax zero dollars. One of the major effects of the IRS law is that, rather than having to report extra income from auto-gratuities to the IRS, chains like Outback Steakhouse and TGI Friday’s have eliminated the auto-tip altogether. Which means the magnitude effect is creeping back in, with many servers seeing their biweekly pay drop from about $1,000 to $600-$800. But maybe there’s a silver lining here. Maybe IRS employees like having spit in all of their food.

Working A Drive-Thru Is Ridiculously Dangerous

Ask any server, and they’ll tell you the most stressful part of their job is the customers (and their hair perpetually smelling like old bread caught in a grease trap). Drive-thrus seem like an obvious solution — you have minimal interaction with the customer, they order quickly, pay for their food, and leave immediately. It’s ideal for customers too, because honestly, most times you go to a drive-thru, you’re in no mood / condition / level of sobriety to really deal with or be seen by other people. However, while it’s true that you might have less interaction with difficult customers while handing food out of a window, a lot more of them are actively trying to kill you.

Grewal-Digital/iStock This resembles the opening of a horror movie for a reason.

People commit armed robbery at drive-thrus all of the time. A drive-thru coffee shop in Kentucky was robbed four times in the span of a couple months. A McDonald’s in Florida was robbed twice in two weeks, which honestly seems downright restrained for Florida. There are lots of reasons for these sprees. Drive-thrus tend to be open earlier and later, some even 24 hours — you’ll note that robbers aren’t huge fans of broad daylight. Also, unlike gas stations, which mostly get paid with debit or credit cards nowadays, people still largely buy their nuggets and fries with cash, and the cash drawer is usually right there at the window. Finally, most fast food joints are located right near major intersections or highway exits, making drive-thru robbery really convenient in terms of getaways. Drive-thrus are essentially magic windows full of money and delightful food — a combination robbers find irresistible.

But even when they’re not going for the register, there’s something about being behind the wheel of a car that makes people angry — especially if they’re only going 5 mph and waiting for a stack of burgers. The Bureau of Labor Statistics has found that workers in restaurants that had a drive-thru are twice as likely to be assaulted as workers at sit-down restaurants like Olive Garden or Red Lobster. The fact that a Red Lobster is a better work environment than anything with a drive-thru means having to be anywhere near a serving window is a violation of your human rights.

And if the risk of getting shot isn’t enough for you to consider, then there are the endless streams of dipshit YouTube pranksters trying to spook you to consider. Drive-thru workers should start robbing the customers.

McDonald’s All-Day Breakfast Doubles Their Workload (So They Serve You Old Food)

There’s nothing we want more than what we can’t have, even if that something is a lukewarm Egg McMuffin at 2 o’clock in the afternoon. One of the greatest moments in customer peer pressure history occurred when McDonald’s decided to start offering its customers a limited all-day breakfast menu. McDonald’s saw sales spiking, and the resulting publicity was better than anything it could’ve hoped for from that Michael Keaton movie. And it’s great! Who among us can say they’ve never tasted the bitter defeat of arriving at McDonald’s to order a bag of breakfast burritos, only to discover that breakfast stopped being served minutes ago?

However, while customers might love it, the employees hate it. McDonald’s employees are the target of a lot of public ridicule (there’s an entire political party and accompanying news network that revolves around thinking up reasons to deny burger-flippers minimum wage), but that doesn’t stop the job from being thankless and hard. That has only gotten worse with the all-day breakfast, which requires employees to run the same extensive breakfast-to-lunch cleanup of their stations every time a stoner wants a bacon, egg, and cheese bagel at noon. At $7.25 an hour, how much could you be bothered to give a shit about re-cleaning your station every time someone orders an egg, cross-contamination be damned?

McDonald’s employees have, however, found a loophole — which is not a word you ever want to hear concerning the people who feed you. Many will cook up a bunch of eggs at the beginning of the day and stock them in food warmers for afternoon use. Hashbrowns are a quick and easy thing to throw in the fryer alongside the french fries, but pancakes don’t make it to the griddle next to the hamburgers; they’re just microwaved. So know that the second after 10:30 a.m., ordering breakfast means you’re eating reheated leftover McDonald’s. Nobody deserves that.

Children Ruin Dining For Everyone

Kids are like ironic mustaches that you can’t shave off — you think it’s delightful, but you’re really just annoying the shit out of people everywhere you bring it. One of the most unnatural habitats for children has to be the restaurant, which to them looks like a playground with glass and knives. And who has to deal with these infant tornadoes when dining out? Their parents? Ha ha, no. It’s the servers who have to become de facto babysitters..

Small children make dining experiences categorically worse. They deface the aesthetic of the restaurant by drawing on the walls or even scratching them with coins. They bother diners by blasting their iPads (meant to pacify them) at full volume. Parents will bring tiny snacks (such as Goldfish crackers or Cheerios) to distract the kids until the food comes, only to have them thrown everywhere and ground into the floor. Aisles are blocked with high chairs and strollers, making spills inevitable. All this mess makes it harder to clean up, which raises wait times for tables, meaning servers are getting fewer customers and those customers are getting more irate. That’s actually the most important point: Kids tend to make the dining experience less enjoyable for every customer, which can impact their generosity when it’s time to calculate the tip.

Some diners may recognize how much their server is struggling with a particular table and its particular high-chaired bastard king and be sympathetic. However, the party that brought the child almost never is. According to a survey of servers at Cornell, families with children are notorious for tipping below average, meaning kids probably possess the most disparate effort-to-reward ratio of all diners.

Understandably, restaurants dislike allowing small children, but this has become a contentious debate. They can receive horrible backlash for even thinking about banning children, and there are no shortage of mommy blogs that will happily point the blame for their disruptive children straight at the servers, offering helpful “suggestions” for dealing with their darling children, including “Come back to the table often so the child doesn’t get restless” and “Don’t allow us to order a dessert and then discover that it’s sold out” — the latter of which you may recognize as something that is literally impossible to avoid. That link also includes a helpful letter full of instructions you can print out and hand to your server, as if you two are trying to coordinate a flawless meal for a foreign head of state instead of a group of children who are too young to be expected to sit still in a public setting for longer than five minutes. The general retort from both restaurants and servers is that Applebee’s is not a daycare, and waitstaff already have their hands full dealing with adults who behave like children, which is frustrating for parents who expect you to feed and entertain their children for $2.19 plus a shitty tip.

Unfortunately for servers, the messy ethics of banning children means they will have to deal with these little poop tornadoes until the end of days. Sure, fine dining might get away with restricting children, but it’s not like Outback Steakhouse can pretend it’s too good for screaming toddlers. People show up there in sweatpants to eat fried onions.

Isaac actually kind of enjoyed working at Chipotle while he was in college, and still has the guacamole recipe memorized. Follow him on Twitter.

Also check out 5 Apocalyptic Realities Working At A Dying Chain Restaurant and 5 Disgusting Truths About Every Restaurant (From A Chef).

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