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themoneybuff-blog · 6 years ago

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How Long Could YOU Survive a Job Shutdown? This Simple, Reassuring Tactic Can Help You Prepare

The partial government shutdown has had a serious impact on 800,000 federal employees, including those with essential jobs who are required to work without pay. A quick look at news and social media (especially at Twitters #ShutdownStories) reveals tales of anxiety and sometimes outright terror. If we arent affected ourselves, an all-too-human reaction is to avert our eyes from the misery, silently thanking Deity Of Choice that we arent government employees. Wed do much better to take the shutdown as an object lesson. Even if we dont work for Uncle Sam, we cant truly know that our own employment is rock-solid. We cant predict layoffs, illness, or our companies closing down or being sold to a new owner who slashes personnel by one-third. However, theres a way to prepare for such crises. Its called a Financial Fire Drill, and its both simple and crucial. The FFD is a focused look at essential expenses and how you might cover them during a no-work period, plus a list of resources that answer all the what-ifs. Sound scary? On the contrary! Its liberating as heck to determine how little you could get by on if push comes to shove: If I lose my job or theres another shutdown, we could actually get by on as little as $1,000 dollars a month until times were better. A healthy emergency fund is useful for such an occasion. Some money wonks suggest you have three to six months worth of expenses saved; others insist you need a years worth. While thats a fine theory, it isnt always possible. Besides, the whole point of having the EF isnt just to spend it! Its there in case of emergencies that cant be covered any other way. And if it took more than three months to find a new job or recover from your illness, youd still have bills to pay and no more financial cushion. Thats why a financial fire drill is multifaceted. Rather than relying solely on the money you already have, it gives you a range of strategies. How Much Do You Need? Start your FFD by determining your households absolute baseline expenses in four categories: food, rent/mortgage, utilities, and essential debt service (things like child support and your auto loan). Baseline is the key word here. For example, if you currently pay extra on your mortgage, youd stop doing that temporarily. Luckily, food is the simplest (although not always the easiest!) thing to cut back on; during a crisis youd nix meals out temporarily and switch to basic (but still healthy and delicious) home cooking. As for utilities, consider whats essential. Cable television isnt really a baseline expense, for example you could do without for a few months. If you keep your house overly heated or cooled because you like it that way (versus because someone in your home is medically fragile), then it would be time to look for ways to cool off naturally or to stay warm while turning down the thermostat.(This isnt punishment. Its prudence. Its smart use of available resources and, maybe, a little bit of short-term sacrifice for the sake of your future financial goals.) Add up the baseline expenses and youll have the number you need to beat. If you can come up with that amount every month, youll manage. Finding the Funds Now that you know how much you need, where will you get the dollars? Best-case scenario: Your household has another income source that will mostly or completely cover those essentials. Obviously this would be super-double-awesome, but it probably isnt going to happen in every case. Not everyone can apply for unemployment. (I cant, because Im a private contractor.) If you dont know whether youre eligible, find out. Then bookmark the U.S. Department of Labors CareerOneStop page, so youll be ready to file if necessary. The page also has links to employment and training programs and other useful information. One of the most important things to note is how much you could expect to get if you qualify. Ideally, it would be enough to cover your monthly baseline. But even if it is, thats not the end of your financial fire drill. Pulling in Extra Dollars Going from month to month on just-enough can mean serious anxiety. Were doing OK now, but what if the car breaks down and I cant job-hunt? For this reason, your FFD needs to include ways to bring in extra dollars. A part-time or occasional job (side hustle) is one way to do it. Websites like SideHusl.com and 1099Mom.com are a good place to start. They have job possibilities you might never have imagined. While the gig economy has its issues, it can be a godsend to those in temporary straits. Driving for Lyft or Uber can take a toll on your vehicle beyond, but some say the pay and tips can be lucrative. Non-gig-economy jobs could be available near you, too. Now before you need one start investigating possibilities like delivering pizza, taking on a newspaper route (theyre screaming for drivers where I live), or working in retail or food service. If youve got a college degree, you could look into becoming a substitute teacher. Applying takes time due to the need for a background check, so look into the requirements now. Start by contacting the school district to see if the demand is high. Or create your own income stream. Let it be known through friends and on social media that youre available to walk dogs, babysit, clean houses, or whatever youre good at doing. Tutor kids or teens in math, Spanish, or whatever subject you know well. (Pro tip: Find out what tutoring goes for in your area, to keep from undercharging.) Fix up the spare room nicely and look into options like hosting guests through Airbnb and Homestay.com. Fun fact: If you rent part or all of your primary residence for 14 days or fewer in a year, you dont have to pay taxes on the money you earn. Really! See Chapter 5, page 18 of this Internal Revenue Service publication for the details. Finally, take a hard look at what you own. Make a list of what could be sold on LetGo.com or OfferUp.com if worst came to worst. Listing Possible Resources The unemployment website mentioned above is just a start. The Benefits.gov site features more than 1,200 state and federal benefit and assistance programs. One you really need to learn about is the Supplemental Nutrition Assistance Program, the new name for food stamps. Each state has a different process, so take some time to learn about yours. For example, you might be required to provide your childs birth certificate got any idea where it is? Feeding America has a food bank locator. Take a minute to look for local resources, and either bookmark the locator or make a list of whats available nearby. Another excellent resource is 211.org, a clearinghouse for social services. Put it on your list of places to call when things get hairy. However, no single resource is all-encompassing; fledgling or hyper-local organizations might fly under even 211.orgs radar. For that reason, be prepared to ask this question of any agency you wind up contacting: Are there any other resources that could help someone in my circumstances? Anyone with student loans should learn about forbearance and deferment. The U.S. Department of Education tells more in this article, which also offers information on student loan consolidation and income-based repayment plans. If youve just been laid off youre likely to be frozen with shock, fear or rage; learning more about your options now, when youre calm, is a good idea. Cut Some Costs, on Paper As noted earlier, youd cut back on extra mortgage payments and meals out. Brainstorm some other ways to pare down expenses. If push comes to shove, you could suspend that gym membership, cancel your cable service, put a temporary halt on529 plancontributions, throttle back on your kids extracurricular activities, cancel any subscription services, re-think the way you entertain yourselves, and look for better deals on cellphone service. An optional (yet recommended) tactic is to do some real worst-case scenario planning. Would it be possible to find a cheaper place to live? If so, could your buddy with a truck help you move vs. your having to rent a moving van? Speaking of friends: If the tough times lingered, would a friend rent you a room vs. your getting an entire apartment? Would really good friends take turns letting you couch-surf? Maybe your sister would take temporary custody of your cat or your cockatiel until you could afford to feed both the pet and yourself. Perhaps you could hire yourself out as a live-in nanny, to avoid having to pay for housing at all. (I know a young woman who put herself through college that way.) Finally: If youre carrying even a little bit of consumer debt right now, make it your mission to vanquish it as soon as possible. Paying interest is a horrible idea even when times are good; paying extra money out when theres no money coming in is infinitely worse. Yay! Youre Done! Now: What to do with all this information? Why, you put it into a folder (real or virtual) and file it away under Hope This Never Happens. Nobody wants to think about losing some or all of their household income. But better to think about it now than the day when your boss greets you by saying, Clean out your desk or your doctor calls and says, We need to talk. Relatively few schools burn down each year, yet we have fire drills anyway. Its part of keeping our kids protected. Give your finances the same kind of care and forethought by starting your own financial fire drill today. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. More byDonna Freedman: https://www.thesimpledollar.com/financial-fire-drill-how-long-could-you-survive-a-job-shutdown/

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adambstingus · 6 years ago

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Gentrification X: how an academic argument became the people’s protest

In the first of a special series on the impact of gentrification on cities around the world, Dan Hancox meets victims and beneficiaries of this highly emotive issue and finds that the anger is real, and resistance is coming to a head

When Amal had stopped crying, she apologised. I wake up so sick, you know? I have to go to study but I feel so sick. A victim of domestic violence and now a single mother, she lives with her three young children in grimy temporary accommodation in Tooting, south London. She was telling me that Wandsworth council, which has a legal obligation to house the family, tried sending them to a rented flat on the outskirts of Newcastle, then suggested West Bromwich. Shed never heard of either place. I said to them, I already told you, I have a job interview in London, I am studying in London, my children are at school in London, my ex-husband visits every week to help with the children.

West Bromwich, the council insisted, was her last chance. Otherwise she would be declared intentionally homeless, and be put out with her young children on the street. They said, just one option: West Bromwich. If I said no, they wouldnt give me another chance.

This was one London councils response to the housing crisis to spend £5m on properties for their poorer families, hundreds of miles away, while across the borough, the Meccano scaffolds rose up for the £15bn development of Nine Elms, where most flats will cost more than £1m.

The same year I met Amal, in 2014, on the other side of London the now notorious Focus E15 Mums were stepping up their campaign to remain in the city where theyd been born. Nine billion pounds on the Olympics and theyre telling us and our babies we have to go live in Hastings, lamented 19-year-old Adora Chilaisha during their occupation of East Thames housing association offices, as the hokey cokey played out in the background. Theres no way Im going anywhere, she said. My boy Desean is one, and I dont want him to grow up away from his family, from his home. I dont know anyone in Hastings.

An elderly man walks past a regeneration project hoarding in Elephant & Castle, London. Photograph: Richard Baker/In Pictures/Corbis

Two years later, both Amal and Adora and their children are still in London after a long and exhausting struggle against the authorities to simply stay where they are. Meanwhile, those same authorities prostrate themselves before luxury property developers, Chinese business conglomerates and buy-to-let rentiers.

Gentrification is an intensely emotive issue with almost endless potential for argument. That shouldnt be in the least bit surprising it speaks to fundamental questions of home, identity and community, how those places define us, and how we define them. The process of displacement of societys poorest members is, of course, not a new thing. You can trace it back centuries, to a time when there was a literal gentry responsible for social cleansing; when the bailiffs were on horseback and artisanal was a descriptor of a pre-industrial social class, rather than vogueish hipster branding.

Nonetheless, there is something of the zeitgeist about gentrification. Until a few years ago, only academic geographers and housing campaigners used the term. In recent years, however, the subject has entered the mainstream, and the word has become increasingly ubiquitous in what seems like almost every city across the world. But it is not only the debate that has intensified: opposition to gentrification is rapidly becoming less marginal, and more organised. While it is easy to locate historical rent strikes and neighbourhood uprisings to what you might call gentrification avant la lettre, for the first time, gentrification itself is a serious point of political contention and resistance.

The tipping point in the UK came last autumn, when members of Class Wars so-called Fuck Parade, flaming torches in hand, daubed SCUM on the windows of east Londons quintessential hipster cafe, Cereal Killer. The restaurant was already castigated by Channel Four News for serving £4 bowls of cereal in a borough in which thousands of poor families cant afford to feed their children. Although several people, myself included, argued that the bearded cereal entrepreneurs were hardly gentrifications true villains, the news was reported around the world not just as a riot that launched a thousand hot takes, but as the expression of a rising tide of anger. The issue had leaped into the mainstream.

The Cereal Killer Cafe in protest in Shoreditch, London. Photograph: @jamieosman

Last month, the pre-Christmas episode of This American Life featured an astonishing segment about a San Francisco dad going to see his six-year-old daughter in her school play, and discovering that the entire show was a fierce polemic against the malign influence of tech companies making the city a sterile playground for the rich. The play culminates in a huge demonstration outside city hall, with the young children holding placards reading resistance = love of community and singing that the city is not for sale.

So why now? The short answer is demand and supply: demand for well-positioned urban space is higher than ever, while the supply of housing options for the urban poor, and the strength and willingness of the state to provide them, is weaker than in decades. In urban policy, we are witnessing the triumph of the market and the capitulation of the state. If an area becomes desirable to those with money regardless if it was hitherto undesirable or dominated by public housing then sooner or later, the wealthy will get what they want. The problem, said Yolande Barthes from Savills estate agents at a Guardian Live debate last month, is the area of London that people want to live in hasnt expanded at the same rate as the population.

As Londons affordable housing crisis deepens spurred by the collapse of new social housing construction, and the sale of hundreds of thousands more social flats under right-to-buy the galvanisation of the British capitals local communities has been astonishing. This customised Google Map, created by Action East End, drops pins on the map for each hyper-local campaign. From Save Chrisp Street Market in the east to Save Portobello Road Market in the west, the campaigns many formed only in the last year range from demands to protect existing social housing, to protests against new luxury flat developments or against the destruction of community assets such as much-loved markets, nurseries, pubs and small businesses. At the time of writing, there are 53 different campaigns.

Focus E15 Mums fought eviction from the Carpenters Estate. Photograph: Jess Hurd/Guardian

One is Reclaim Brixton, who formed in March 2015 in opposition to the rapidly accelerating gentrification of the south London area. Co-founder Cyndi Anafos mother used to run a Ghanaian grocery in the covered market that has recently been rebranded Brixton Village, a target destination for food tourists and wealthy Londoners. Via social media, Anafo and friends arranged meetings, leading to a carnival-cum-demonstration in Brixton town centre that drew thousands and attracted widespread national media attention. For about 20 years its been on the edge of gentrification, Anafo says. But the last five or six years its all come to the fore Reclaim Brixton came about chiefly through frustration.

While the transformation of Brixton is visible in the proliferation of more expensive shops, bars and restaurants, and the influx of a non-resident, affluent demographic visiting places like Champagne + Fromage, Anafo is clear that the cultural and commercial changes are not the main event. It all comes down to housing, she says. Being a kind of accidental activist, and getting to know all the existing housing groups, made me realise the severity of the situation on the ground in Brixton, meeting people who are on eviction lists. People moan about particular types of businesses or shops, or estate agents like Foxtons, but my feeling is that rent stabilisation is something that could help everyone.

Last June, Berlin made headlines when it began enforcing rent controls for all, limiting landlords to charging new tenants more than 10% above the local average. The previous year rents had gone up by more than 9%. We dont want a situation like in London or Paris, said Reiner Wild of the Berlin Tenants Association. Such strident legislation to protect poorer citizens does not just drop out of the sky, of course. It emerges from a history of equally robust civic campaigning on housing, gentrification and the right to the city.

The Tacheles in Berlin was formed in the 1990s as a squat by artists seeking to save the building from demolition. It closed in 2012. Photograph: Sean Gallup/Getty

Nottingham University geographer Alex Vasudevan, author of a recent book on the subject, Metropolitan Preoccupations, says Berlin is in a sense diametrically different from London its a very poor city, where wages are one-third lower than its western German neighbours. In the wake of unification Berlin has seen waves of gentrification, while remaining very poor by German standards, says Vasudevan. Before the fall of the wall, there were subsidies given to squatters to renovate buildings, and they would be legalised as a result a kind of compromise. But that programme ended in 2002, and since the wall came down Berlin has become this laboratory of neoliberal urban governance.

As in London, Vasudevan says, funding for social housing collapsed, and simultaneously thousands of what used to be social housing properties were privatised. Berlin tried to become a financial centre. It failed. So then they went with the whole creative city agenda, or at least a version of it, connected with touristification and this kind of Airbnb urbanism. Theres a great Aibrnb map of Kreuzberg: until recently there was only one property in that neighbourhood that was available on the normal rental market everything else was Airbnb.

Grassroots resistance in Berlin has revolved mostly around very local geographies, such as saving one particular building, park, housing project, or even fighting the eviction of a much-loved Turkish grocery store. Nonetheless, Vasudevan explains that each victory has galvanised the city as a whole, and made gentrification even more of a common talking point than it is in London. The challenge now has been scaling up, making connections, and sharing information between neighbourhoods, and even internationally.

Theyve managed to get the rent cap by just being incredibly well-organised, and absolutely dogged and they are also good at talking to each other. You have local working-class Germans who remained in Kreuzberg, and Turkish migrants collaborating; so everything is written in both German and Turkish, theyre all networked.

The gigantic crocheted tribute to Wes Anderson which appeared at Bushwick Flea Market in Brooklyn. Photograph: London Kaye

Theyre also talking to the Plataforma de Afectados por la Hipoteca (PAH) in Spain, the grassroots group whose phenomenal success of blocking thousands of evictions propelled its spokeswoman, Ada Colau, to become mayor of Barcelona. Spains housing crisis has been so destructive that the PAHs use of community self-organisation and support, and direct action to block evictions, has been copied across the world. Ive seen Spanish parents in tears in PAH meetings, being comforted by their foreign-born (often Latin American) neighbours, before rallying to take on the banks trying to evict them. Ive also seen Sí Se Puede, the PAH documentary, screened to housing activists in London. The international sharing of both tactics and inspiration highlights globalisations double-edged sword: property developers and investors may be operating simultaneously in Berlin, London and Barcelona, but the people resisting gentrification in these cities are beginning to network themselves, too.

What remains to be seen is whether campaigning against gentrification will grow into any city-wide protests. Certainly, the G word has been tapped as the new culprit for a lot of urban tensions emerging from the influx of younger, whiter, wealthier people into city cores. After a yarn-bombing artist, with the support of the hipster Brooklyn Flea market, put up a 15ft crochet homage to Wes Anderson on the exterior wall of his family home in Bushwick without asking for permission, New Yorker Will Giron wrote: Gentrification has gotten to the point where every time I see a group of young white millennials in the hood my heart starts racing and a sense of anxiety starts falling over me.

***

The argument that gentrification represents a kind of urban neocolonialism is hard to miss. Spike Lee made it clear with his viral rant against Christopher Columbus syndrome in Brooklyn. Indeed, after decades of white flight to the US suburbs, since 2010 American cities have seen increases in white populations. Protests in 2014 targeted Microsofts corporate shuttle buses in Seattle; not only did they raise rents, went the argument, they didnt integrate, adding to social tensions in a city where working-class African-Americans were being pushed out. That same year, a video went viral of (older, whiter) Dropbox employees trying to get rid of mostly Latino young people from a football pitch in San Franciscos Mission district. (The Latinos protested, and won.)

It is surely the higher-profile, less sensitive invasions that get the headlines, but they speak to a deeper malaise of newly arriving communities with no interest in connecting with the existing populations they are displacing. Dont let the door hit you on the way out, they seem to say.

The Strata tower in Elephant & Castle, London. Photograph: Linda Nylind for the Guardian

Inevitably, the rise of anti-gentrification sentiment and action has provoked a counter-attack, either to defend the process or deny it exists. Critics of gentrification romanticise working-class poverty, goes the main line of argument. They hate change, and fetishise urban decrepitude. Dont you want the area to look nice? Dont you want poor people to have better lives? Giles Coren characterised anti-gentrifiers last year as middle-aged, middle-class dinosaurs who are determined to keep London shitty. Why? A mixture, he said, of aesthetics, nostalgia and condescension: Snobs [who] like the thought of people less well off than themselves scoffing rubbish [food], so they can keep on looking down at them for it.

This shit but real versus polished but soulless dichotomy was borne out in Hackney in London in 2009, when the boroughs mayor, Jules Pipe, condemned opponents of regeneration for wanting to keep Hackney crap prompting a tongue-in-cheek campaign proposing to do exactly that. The sad irony is that local community groups calling for positive state intervention to regenerate a local area for example, to make a local park safer, improve litter collection or fix transport will often have to wait for the area to become more affluent and desirable before those changes will take place. And in a grim example of the law of unintended consequences, where urban communities dosucceed in changing their neighbourhood for the better, the result is often higher rents, more interest from developers, and the gradual displacement of the very people who forced those changes into being.

Another argument used against anti-gentrification campaigns is that they are fighting a force of nature. Gentrification is a process as old as time itself, and you may as well just protest against the changing of the seasons. There is a tendency, as with anything, for older, more experienced commentators to take a puff on their pipe and remark, Oh you hot-heads, do you think any of this is new? This kind of response, while containing some truth, is often used to stifle action. This has all happened before carries with it an unstated corollary, … and is thus an organic, inevitable and inexorable process and, presumably, since we are both standing here today having this discussion, with all of our limbs intact, and roofs over our head, not an especially harmful one.

It is true that the feared mass exodus of poorer residents from inner London since the Conservatives introduced the bedroom tax and benefit caps has not occurred. Anecdotal evidence from charities and food banks suggests many are staying, paying more rent and just getting poorer. But the numbers of those forced out are still increasing substantially. Many people who are placed in temporary accommodation in outer London and deal with some horrendous conditions, jars of bugs and all are travelling enormous distances to work or school. Perhaps the most dramatic single visualisation of how gentrification is changing our cities is this map of the displacement of former residents of Elephant & Castles substantial social housing project, the Heygate Estate.

As the critic Jonathan Meades wrote in 2006: Privilege is centripetal. Want is centrifugal in the future, deprivation, crime and riots will be comfortably confined to outside the ring road.

The architects of gentrification are extremely careful not to talk about it. Given the word was coined by a Marxist, and is most often used by opponents of the property industry, this is good common sense on their part. When in 2014 I was asked to interview a property developer about gentrification, I worked through seven or eight before I found one willing to return my calls. Though I was careful not to scare them off by uttering the G word, their PR departments were too good at obfuscating until someone at property giant Bouygues Development agreed to speak.

Richard Fagg, deputy managing director, was neither hostile nor evasive, but still chose his words carefully. He denied that their building of expensive new blocks of flats would lead to any displacement. Instead, he suggested that poorer areas would benefit from becoming blended communities.

In the poor parts of London where weve been working in the past, they have been and I use this term politely but they have been social enclaves, Fagg said. No one buys homes there, because your money will probably depreciate. But thats changing. So hopefully, the likes of where were working in Barking, people are taking their hard-earned cash, investing it in a mortgage, buying a property because there youre getting good capital growth over time in the future. Yes, its starting at a low base. But youre going to get good growth, because the whole area is changing. Its not gentrification. Its just becoming a more balancedcommunity.

Fagg was not factually wrong about the demographic composition of London areas such as Barking, north Peckham or Elephant & Castle. In fact, many are concerned that whats happening to the Heygate Estate in Elephant & Castle will become an example that is replicated in the years to come. As the 1950s and 1960s tower blocks reach the end of their life a decline hastened by years of disinvestment and failure to address poverty one popular development model says they should be demolished and replaced with mixed use developments. Social problems are supposedly reduced if you dont have enclaves.

Simon Elmer from Architects for Social Housing points to Andrew Adoniss report City Villages: More Homes, Better Communities, which is the basis for Conservative housing plans, embodied in the housing bill currently going through parliament. The report recommends recategorising all social housing estates as brownfield land. In greater London, that amounts to 3,500 estates, 360,000 homes and more than one million people. The concern, says Elmer in a paper entitled The London Clearances, is that these ageing estates will be demolished and replaced with the same mix of luxury flats and affordable housing that have cropped up in Elephant Park, the new private development being built in place of the Heygate, and in which a two-bedroom flat will set you back £659,000. This past weekend David Cameron gave further shape to this plan when he announced a blitz on poverty, suggesting the demolition of sink estates in favour of more homes for private rent.

A protester smashes the front window of the Foxtons estate agency in Brixton. Photograph: Pierre Alozie/Demotix/Corbis

The property industry, meanwhile, has become markedly more sophisticated in how it readies the ground for demographic transformation, by engineering the change in atmosphere that will draw in young creatives to a new area. (Again, the colonial language is always bubbling just under the surface.) Sometimes this is called place-making, and amounts to extravagant marketing exercises that seek to brand (or rebrand) an area, to follow in the footsteps of the advertising industry and sell not just a product, the bricks and mortar, but an entire aspirational lifestyle.

We dont think its good enough to build a lovely flat, anyone can build a lovely flat anywhere, Fagg told me. From the very first moment, even before seeking planning permission, marketing is at the heart of your strategy. What are you offering over and above every London borough, every other developer? Particularly in London, when everyone is competing for your hard-earned capital to invest in their new location? In some cases, place-making has meant going to extraordinary lengths: in poor parts of Harlem, estate agents bought up vacant street-front commercial properties and opened four trendy coffee shops, in an unabashed attempt to instigate gentrification themselves.

Newham council released a promotional video, Regeneration Supernova, to encourage development in the borough.

It isnt the most flashy cultural manifestations of gentrification, the cereal cafes and the hipster baristas, who are the most influential actors in this process. Indeed, they are a distraction from where the most important decisions are taken. It is often the less glamorous and headline-grabbing developments, such as the granting of planning permission, the cynical redefining of affordable housing to mean 80% of market rate (it used to be more like 50%), the payment of cash to struggling councils by developers wishing to avoid their legal section 106 requirement to build affordable housing, or the eviction of poor families with no access to the media, that go under the radar, and where the real pain of gentrification resides.

Saying that, the cultural manifestations of gentrification do matter. It is partly about symbolism, about a change in atmosphere that tells poorer residents that, soon, they will no longer belong. Or, in areas with an explosion of attractive bars and clubs, it is about the behaviour of the new arrivals; where that sense of belonging is indirectly seized from poorer families by revellers, students and nightlife tourists who drunkenly smash their beer bottles on the pavement.

A new independent boutique coffee shop may be benign in itself, but does it help usher in a new clientele to the area, even as a bridge-and-tunnel, just-visiting crowd? Will other hipster businesses follow suit? Will this surge lead to a buzz, to press coverage in newspapers aimed at middle-classes with the money to buy property, or help to entice buy-to-let landlords, property developer interest, and estate agents revaluation? Does this then entice bigger chain shops and cafes, lead to small businesses closing and rents rising? As the hugely telling place-making videos make abundantly clear, for the money-men, a proliferation of art galleries, hipsters and small independent businesses are a great sign. Indeed, for the sharper investors, by the time Starbucks arrives, youre already too late.

***

Last year I saw standup comedian Liam Williams tell a joke which went broadly as follows: Everyones talking about gentrification at the moment, and I can understand why. But its a difficult one, isnt it? There are so many pros and cons. On the one hand, your local area is nicer, safer, cleaner, there are cool new shops and cafes and bars to go to. But on the downside, you have to feel guilty about it.

A man makes coffee at a boutique cafe in Brixton. Photograph: Carl Court/AFP/Getty Images

It was delivered sardonically, undoubtedly tongue-in-cheek, but was also a useful pointer to white, liberal, middle-class feeling. It was also an unintended guide to what we talk about when we talk about gentrification that the filter for the media conversation remains depressingly narrow. The rise in volume of media coverage of gentrification in Britain has not been accompanied by a rise in awareness that minority citizens are more likely to be victims of displacement. The neighbourhoods on the receiving end of racial profiling and stop-and-search by police, or aggressive raids by border agents, are the same ones transforming into places ready to have the word village added to their name. For every story about the Focus E15 mums there have been two more along the lines of Im middle-class and even Im being pushed out of London.

Hard though it clearly is for them to believe, gentrification is not about newspaper columnists who want a bigger garden having to move to zone three. It is about people like Maria, a single mum of three forced out of Westminster into damp, cold, asthma-inducing temporary accommodation in Haringey. Although she is pregnant and has back problems, when I met her Maria was taking her kids on the 90-minute, three-bus journey back to their school in Westminster every morning, just to retain a modicum of stability. She would then spend the day sitting, penniless, in Westfield shopping centre, to keep warm.

At other times there is a risk of chauvinism and outright xenophobia. Anti-gentrification artist Gram Hilleard had his sardonic postcards featured in the Observer last year, and in an accompanying interview lamented that his family had been in the same area of London for the last 200 years, but now the indigenous Londoners have been moved out. Its not only suspect to talk about indigenous people in a major cosmopolitan city, its also a misunderstanding of what a city like London has always been.

Today, more than 300 languages are spoken and 36.7% of the population were born overseas; the proportion of people who can claim their family have been in the same area of any major city for 200 years continuously must be microscopically small. Legitimate coverage of super-rich Qatari, Chinese or Emirati investors buying up high-end properties in London and then leaving them empty can easily be taken out of proportion, and spill over into the misguided notion that the problem is wealthy foreigners, not wealthy investors. But what about our plucky homegrown rentiers, not to mention those granting planning permission to luxury flats and hotels rather than concentrating on building genuinely affordable homes?

Gentrification is a viscerally emotive subject. People take it incredibly personally. As the debate grows louder, fingers will be pointed wildly in every direction. I think I first noticed gentrification, before Id ever heard the word, when the branch of the discount supermarket Iceland in Balham, where I grew up in the 1980s, closed and was replaced by an organic supermarket called As Nature Intended.

In my childhood, this part of London wasnt particularly one thing or the other; neither particularly posh nor poor, central but not that central, mixed by race and class and age, the kind of area that thrived precisely because it didnt have a particularly clear identity. A couple of years after the organic supermarket opened, I saw a property advert on the tube that had created annoying alliterative couplets out of different London place names. Balham was Bankers Balham. I have rarely felt so ashamed. But I also know that none of this is at all important, in the scheme of things that places change, and they should change, and getting a bit sentimental about the fact you cant go home again is part of growing up.

The challenge for the citizens of the 21st century is to decouple this kind of personal sentiment from the generally unheard or ignored stories of displacement and suffering, from the resounding triumph of private profit in civic life over everything else trampling, in particular, the idea that shelter and the right to the city ought to be fundamental human rights. Gentrification is becoming one of the defining issues of our age.

As rich and poor people alike continue to flock to cities like London, Berlin and San Francisco, either for work or a better quality of life, the controversies will only intensify and multiply. Apologists for gentrification can continue to pretend a city is a force of nature, and displacement of poor people from their homes just ripples on the tide, but the rising popular sentiment against social cleansing is not merely a fabrication of leftwing activists, academics or journalists. The anger is real, and the determination to resist is growing.

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from All Of Beer http://allofbeer.com/gentrification-x-how-an-academic-argument-became-the-peoples-protest/ from All of Beer https://allofbeercom.tumblr.com/post/181391054767

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furiousconnoisseurcomputer-blog · 6 years ago

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