Archive for the ‘Parenting’ Category.

Young Men and the Women of Generation Cupcake

To put it crassly, nothing motivates a man better than getting laid, especially when that man is in his late teens through late thirties. Men will do anything, risk anything, pay anything for a piece of tail – just ask Gen. David Petraeus, former Congressman Anthony Wiener and President Bill Clinton. I have followed women across continents, done deeply embarrassing and stupid things, and even built a career and sobered up because of a woman. Women are great motivators, or at least they were. Now I’m not so sure.

I look at the women in Generation Cupcake, the latest generation to follow the selfish Baby Boomers, the cynical and sarcastic Gen-Xers and the Millennials (what are they known for other than coming of age after Y2K?) and I feel sorry for straight young men today. No wonder they aren’t having sex as some studies have found if women like Sandra Fluke and Senator-elect/Squaw Elizabeth “Whines with Fist” Warren represent the state of feminism these days.

I’ll admit I’m old fashioned. I expect women to work and make at least as much as I do if not more. They don’t have to handle the housework, cooking or child rearing I’ll handle that – as well as spider-removal duty, fixing anything that breaks around the house and maintaining the cars. I realize that while men are smart enough to cook women are obviously not mechanically inclined as proven by number of great chefs and dearth of female mechanics and pest control workers. But a woman can whip up a Gantt Chart just as good as any man, and lawyering and doctoring? Well I’m married to a doctor – a good one I might add – and have hired female attorneys who were just as much sharks as mob defense attorneys.

But I am a feminist of sorts. I was born in a household full of women; there was so much estrogen in the air I’m still amazed I made it out of the house straight. To me feminism means independence and self-reliance two attributes that were missing from the traditional view of women. Yet while these attributes are key to adulthood but have evidently been lost by today’s women. Instead of independence they have become dependent on their parents and the government for support. Likewise self-reliance is lost and they are forced to doing what any kid does when he wants something that he can’t get himself: he whines.

Sandra Fluke whined for someone to buy her the Pill; Warren whined for a senate seat. Both got what they wanted and are content for now, but both lack the ability to set a goal and reach it independently. They will want something else and they will whine and stamp their feet until someone provides it to them.

Is this what the suffragettes fought for? Is this what the thousands of women who worked in munitions plants supporting their sons and husbands fighting in World War 2 suffered for? Is this what women want, to be coddled by proxy-parents like rich men or the government?

That isn’t freedom, it’s living in a cage albeit a gilded one where your parents buy your wine and your government pays for your pills. It’s like the most selfish generation of people unleashed on this country, the Baby Boomers, have spawned a generation even worse than them. Luckily I’ve raised a son who got so turned by women that he’s found other pursuits that aren’t “psycho” or “selfish” the way he puts it. The neuroticism and selfishness displayed by girls his age is good news for a parent who isn’t keen on seeing his son sexually active at a young age, but I can’t help but wish that women his age were a little more free and “normal.” Women can be inspiring creatures when they are mature and sane, but the women of Generation Cupcake clearly are neither.

7:23 PM

The Kid and I are driving back from a trip to the mall and other various errands in the City. I’m driving into the darkness of the setting sun on a North Carolina road with Pandora streaming alternative hits from the ‘80s on the stereo. We talk about bad drivers since he will soon cross another line separating him from childhood, and he makes a joke that makes me laugh. He is becoming a man, independent from his parents, and will sooner than I want will be on his own, chasing his dreams, and driving roads I will never see. I glance at the clock, 7:23 pm, and for a moment I wish we are driving into the night together talking and laughing forever. As all moments must it passes into memory, but if I could stretch out a moment from an instant into an eternity, it would be this one.

The Democratic Party’s War on Children

Much talk is being made about the Republican War on Women. But there is a war on that people sense but don’t really talk much about. It’s a war with real casualties and suffering. It will devastate lives of the innocent and guilty without differentiating between the two. It is the war on children being waged by the Left that dominates the Democratic party.

The war starts before birth with the elevation of abortion to sacramenthood including gruesome battles such as the legalization of partial birth abortion and the killing of infants who survive (both laws supported by the High Priest in Chief, Barack Obama.) These battles are supported by Malthusian fears manifested in the religion of environmentalism that views bearing children as sinful, except for the high priests such as Al Gore and “Population Bomb” author Paul Ehrlich who are free to procreate as they see fit. In light of this view the Left has supported one-child policies and forced sterilization that has led to sex-selective abortion and infanticide of females in India and China. It’s ironic that the enlightened feminists of the Left who continue to support these policies do so to the benefit of the patriarchy and detriment of women in these countries, leading to the births of 120 boys for every 100 girls in China. The New York Times attributes the “imbalance almost entirely to couples’ decisions to abort female fetuses,” yet China’s One Child Policy continues to be lauded by scions of the Left such as Tom Friedman. Yes, for connoisseurs of Irony the Left provides an endless buffet.

The war wages after birth, as the interests of children are ignored by the Left’s disparagement of traditional marriage even though children fare better with two parents in a stable relationship rather than in single parent or divorced parent households. Since the 1960’s the Left’s clarion call has been freedom without attendant responsibility, and that has resulted in broken homes or in many cases, no homes. Children in single parent homes are poorer than those in mixed parent (divorced) homes who are then trumped by children living with their birth parents together under one roof. The traditional family has always been uncool to the American Left, and as a result children have suffered.

The Left’s stranglehold on education has damaged children for life. Public schools are geared more towards providing teachers and administrators work than they are towards teaching children. Teacher’s unions have fought reform efforts such as vouchers and charter schools every step of the way. Curricula across the country have been dumbed down in an effort to indoctrinate the next generation with Leftist ideology. Since every culture is equal, precious time is frittered away discussing the contributions of minorities while downplaying the role of “dead white men” in American history. The rigor of mathematics is ignored because boys do better at the subject than girls so neither is taught. Boys are taught the same way as girls even though boys need more physical activity and learn better while active than girls, who do well seated and in a calm environment. Leftist dogma refuses to recognize sex differences so instead boys are sent home with notes insisting that they be medicated to make them as placid as girls, with the added benefit that they thus become easier to control.

Children in-debt themselves to attend colleges and universities filled with non-teaching administrators and staff in environments that would make Stalin proud. Hate speech codes limit free expression thereby ill-preparing children for the day when they enter the world and are forced to deal with people who do not think like them and perhaps even hold opposite opinions. Codes of conduct control interaction between the sexes, protecting young women from the responsibility of their actions while burdening young men with the knowledge that a man can be accused of any crime on campus without the constitutionally guaranteed right to a fair trial. Courses are geared towards the interest of faculty or the short-term attention spans of students instead of providing the skills necessary for successful careers and intellectual achievement after college.

It’s not the matter of teaching college kids how to program in C#, it’s teaching them how to evaluate and argue a position, something the Greeks do well but being dead white men are politically incorrect to teach. So kids exit college knowing how to spout slogans without how to evaluate the ideas behind them or to argue their points because they lack the intellectual tools to dissect an idea or persuade. The result is an entire generation that believes winning a debate is forcing your opponent into not responding to your sound-bites, and as a result talk past each other incapable of understanding others as well as their own opinions.

Finally, the war on Children reaches its Waterloo with the mountain of debt. $1 trillion of student loan debt. $16 trillion in federal debt. $1.2 Trillion in state debt. $355 Billion in underfunded private pension debt. $673 Billion in underfunded federal pension debt. $2.2 trillion in underfunded public state and municipal pension debt.

Add up the numbers and assume that the US population size and age ratio don’t change (the former won’t, the latter will, requiring even more young people to send checks to doddering old farts who yell at them to get off their lawns) and I get $21.5 trillion to be paid for by 120 million workers. That’s roughly $180,000 waiting for each child to enter the workforce. Estimates for average lifetime earnings are around $1.6 million, so that $180k represents  11%, so we can expect that American children are going to have roughly a 10% lower standard of living thanks to these debts than their parents or grandparents.

This is real money that won’t disappear. It must be paid either through the current generation living within its means, working longer, accepting higher taxes, benefits cuts, reduced services and ultimately a lower standard of living. Somebody is going to be eating cat food, and maybe even a few cats, but $21.5 trillion will be paid by someone. It won’t be inflated away. The government can’t borrow that much to pay off that debt. Instead children, even those lucky enough to escape the “choice” of abortion, are expected to be enslaved to bear this burden. Vice President talks about Republican’s wanting to put black people in chains, ignoring his own personal responsibility as a congressman and senator for nearly 40 years during which time he helped drive the country into debt and its future children into economic slavery.

Well how about the rich? Isn’t it time they paid their “fair share?” In this case, fair share means everybody’s debt not just theirs, but let’s assume that we hold guns to their heads and give them a good mugging just like the Soviets did in the early 1920’s. We could use the most recent issue of Forbes’ Top 400 richest Americans as our economic hit list and confiscate the wealth of everyone on it, from Bill Gates (net worth: $59 billion), through Warren Buffet ($39 billion), who can finally lose his guilt for paying a lower tax rate than his secretary, George Judenrat Soros ($22 billion) who can perhaps finally atone for his war crimes, all the way down to Peter Lewes ($1.05 billion), the progressive chairman of Progressive insurance. Wiping all 400 out, leaving them with nothing except the promises of the Socialist State, medicare and social security, will net us a whopping $1.5 trillion – leaving us $20 trillion short. We would need 14 Bill Gates’s, Warren Buffets, Peter Lewes’s and 14 times the rest of the 400 list to pay for it all. Instead the Democrats intend our children and grandchildren to pay for it.

And that’s not even covering  Social Security. Remember that lockbox talked about 12 years ago? Well we never went to the store and bought one so Congress raided it. At a time when we should have been socking away surpluses to pay for the retirement of Baby Boomers, we blew the money on what? Blow and hookers? Beats me, but the money’s not there. Disability will be underfunded starting in 2016. Social Security itself won’t last for more than a decade beyond that and requires an investment of $200-300 billion per year to remain solvent – and relevant – for when today’s children need it.

Someday America’s children will grow up and understand what the Democrats have done to them, but by that time the only memory of Joe Biden will be a street named after him in Scranton and Obama will replace Jimmy Carter as the doddering old fool of the Left who the Democrats cart out at conventions to remind America how psychotic the party leadership has become after purging sane members like Dick Gephardt and Zoell Miller. I hope he lives long enough to see America’s children realize they have been the other side in a decades long civil war, and they fight back.

Walking with My Son

I was walking with the Kid beside me, and I glanced at how tall he has become. He is in the bloom of manhood, and although he is still a tad shorter than me and lacks my upper body strength, the day will come very soon when he will best me in both height and physical power. The thought led to an unusual feeling, one that I had never felt before.

I felt less alone and even protected somewhat, as if someone I trusted “had my back.”

It was a remarkable feeling and one that I’m still carrying tonight.

One Family’s Escape from Poverty – No Gov’t $ Spent

Half a trillion spent on poverty, yet people are still poor according to this study.

When the War on Poverty was declared in 1966, my family was still classified as poor. Both my parents worked and raised six children, sending all to private schools. Thanks to their efforts today it is solidly middle class with several members reaching its upper part of the category.

My family did it without receiving government money. How?

1. Our parents sent us to college or helped us into solid vocations. Not all of my siblings are university educated, but they all had solid careers in professions such as nursing, teaching and the trades.
2. Our parents encouraged us find the right partner and to stay married – the single most effective way to stay out of poverty. Our parents taught us to value ourselves and to find partners who did the same. Of six children all have married partners with strong work ethics and ambition. Only 1 has divorced and it took nearly 20 years to overcome the financial impact of that divorce (she eventually married a fine man I’m honored to call my brother-in-law.)
3. Our parents instilled in us a sense of pride based on our work. It didn’t matter what that work was, as long as we stayed working and continued bettering ourselves by adding new skills and training. Even today one of the first questions asked is how are jobs are going. It may seem old fashioned, but to a family that skipped meals as late as the mid 1950’s – America’s Happy Days – one’s job is the best indicator of family health.
4. We were taught to forgo immediate gratification for longer-term benefits. This has driven many of our spouses to distraction numerous times, but the end result is that we are savers not spenders. All are thrifty to a fault, as one would expect from the children of those who came of age during the Great Depression.
5. We were raised with the philosophy that emphasized self-sufficiency. If we couldn’t do something, we often ended up learning to do it ourselves because there was nothing worse than having to rely upon someone else. Reliance easily became dependence which in turn became subservience, and both the Irish and the Bohemian sides of my family left servitude behind with the Old Country.

Student Loan Indebtedness Tradeoffs

Another Bloomberg article on the education bubble. This one by Richard Vedder, director of the Center for College Affordability and Productivity, and an economics professor at Ohio University. Vedder points out an incongruity about the economy and educational situation in the United States that has bothered me for years.

U.S. employers complain that they can’t find enough skilled employees. Then how do we explain why almost 54 percent of recent college graduates are underemployed or unemployed, even in scientific and technical fields, according to a study conducted for the Associated Press by Northeastern University researchers?

The cause is more fundamental than the cycles of the economy: The country is turning out far more college graduates than jobs exist in the areas traditionally reserved for them: the managerial, technical and professional occupations.

This is partly due to firms outsourcing their training to other firms, and to the educational institutions themselves who are apparently too busy offering classes on the History of Surfing, Happiness, and the HBO series The Wire. Companies used to hire competent people and then train them. Today they expect them to come to the job not only trained, but able to integrate into an existing project with minimal learning curve.

As an intellectual, college educated adult and the parent of a teen, I’m concerned about the split between the job market and the educational system. Like every parent I want to provide the best start to my kid as possible. But when I look at the academic world, its cost in terms of time as well as money, I’m wondering if the path that I followed still makes sense. Vedder estimates that students spend 30 weeks a year in school and less than 30 hours a week on academics. In the best quote I’ve seen on the expense of higher education he echoes Churchill when he concludes “never have so many dollars gone to teach so many students for so little vocational gain.” With the average cost of a year of public college at $22,000 and of a private one at $43,000 a quick bit of (high school) math nets the per-hour cost of the education using Vedder’s hours spent at $24.50/hour (public) and $47.77/hour (private).

Is there a better way? For many parents and potential students there must be, but if so what?

At those rates one could realistically hire a full-time private tutor – and good ones at $48/hour. But if you do would you demand him or her teach your child about Happiness or watch HBO? If not, why would you as a parent allow your child to waste his time on such fluff – especially when he is bearing more of that cost by becoming indebted?

Indebtedness is one of the worst possible burdens one can put on one’s child. It limits options at a time when a young person should be exploring them. A trip to Europe to visit friends becomes impossible when time off means missing student loan payments. It’s much more difficult to pursue a once-in-a-lifetime career opportunity while an existing job makes the student loan payments. Parents might argue that college offers other experiences that aren’t quantified by the degree such as personal growth and enrichment, but they fail to appreciate that this is a tradeoff between the limited opportunities of college life with the broader and more lasting opportunities in the broader world. Some have commented that it is their duty to provide the best of both worlds to their children by paying for their educations, thereby freeing their children of the consequences of indebtedness. As a parent who believes in the importance of personal sacrifice for the sake of children, it is difficult for me to argue against that point except to state that the skyrocketing cost of education has pushed the cost of education beyond the means of all but a minority of parents, and that for most of that minority the dollars spent on education will have to come from somewhere such as retirement savings. This means that such parents are actually shifting the burdens from their children’s college age to their middle age when they will be relied upon to care for them in their retirement.

Is the tradeoff worth it?

Attending college can offer worthwhile experiences to the developing young adult, but the indebtedness and time spent pursuing a degree have reached a point where other opportunities and experiences have to be sacrificed. For some the sacrifice may be worth it, but parents and college hopefuls have to weigh the lost opportunities in their decisions.

Cross-posted at the Moderate Voice.

On Father’s Day

Father’s Day essays tend to be nostalgic, exploring the writer’s feelings towards his or her father, are often hackneyed and tend towards the maudlin. I haven’t thought about Father’s Day much to be honest, because when I was dwelling on my relationship with my father I hadn’t yet become one. Before my child I searched for my father like many men do whose father disappeared from their lives (my father dropped dead at his job when I was a boy) or never entered them in the first place. When I became a father I realized that no matter what my personal feelings were towards my father, it didn’t matter. It was time for me to set all that aside and focus on being a father to my child.

I want to begin by making a distinction between “father” and what I think can be best characterized as “sperm donor.” Fathers don’t have to share DNA with their children, in fact some of the best fathers have been step-fathers, fathers of adopted children, and even family friends or male relatives. I’m not even sure they must be men; it is possible for the right type of woman to play a fatherly role just as it is possible for a man to be motherly (to limit the abuse of pronouns, assume that fathers must be men in this essay.) These are men who gave their time to raise a child, worked hard to support them, and were there for them emotionally throughout their childhoods. These are men who never broke their promises, nor made a child feel anything but the most important person in that man’s life and always put the child’s interest and that of the family above his own.

Contrast that with “sperm donors” like this fine specimen who has more than 20 kids with at least 15 women. For all intents and purposes this guy could have jerked off in a cup and for that he doesn’t deserve the honorific of “father.” Yes, father is an honorific, or at least it should be, and just because a man lives with his children doesn’t mean he deserves it.

In my time I’ve known men who aren’t there for their children even when they share living space with them. Often these men are still children themselves, caught up in their own narcissistic thoughts and pleasures. They may resent their children for getting in the way of their selfish pursuits, whether it’s a drink with the guys or a date with a hot girl from the office. I’ve known men who curse their own fathers for misdeeds in their childhood, focusing all their hatred on a fading image stuck in the past growing more distant with each passing day, while they ignored their relationships with their own children, completely oblivious to the mistakes they commit today while struggling to keep each detail of the decades-old transgression alive in their mind.

Unlike sperm donors a father thinks about his family first and himself second. There are no caveats to this, no qualifiers about “personal happiness” or terms involving the word “self” in them at all. Being a father means submission to a greater good: your family. Everything that you do is for the family, everything that matters in your life comes from the family. Your identity is through your family, and without your family you are nothing. Secondly, becoming a father requires a personal choice. I still remember the torment I went through when I was forced to choose between remaining a selfish human being and becoming a father. It was a painful choice, so painful that for me it became a kind of death. On that day long ago the person I was died, and the man I became, the “father” was born. Like any true rebirth it was confusing, frightening but exciting. I felt the world around me expand, leaving behind the selfish shell that I had been since birth and feeling and experiencing the world in new ways. I gained new sensitivity to the suffering of others, a thin skin that bleeds all too easily along with the maturity to handle the pain. I gained the strength to do what was necessary to bear the burdens that my new identity imposed on me, plus an awareness of my surroundings that later became the foundation for what I laughingly called “daddy radar” – the unconscious tracking of one’s children at all times. On that day I became a man, for what greater honor for a man is there than to become a father?

Fathers are instinctively self-reliant. Television might characterize us as childish buffoons in commercials incapable of feeding our children without our wise wives, but fathers today not only know how to feed their children, they think ahead so that their children will not go hungry through the coming week. That means not only working to create the cash to buy the food, it now means knowing how to buy that food and prepare it. While some fathers may still have the luxury of a woman to prepare daily meals, a father’s instinct means that he learns to do it himself so that his children are fed at the proper time. Today’s father not only knows his way around the kitchen, he knows his way around the house, the car, the office and everywhere in between. He is a jack-of-all-trades because that is what his family needs, and if he doesn’t know how to do something, then he knows someone who does.

A father has intuition that would excite a KGB agent. A father knows his children so well because he has been paying attention to them since well before their births. He knows what a child thinks because he has been with him or her for years, paying attention to their comments, answering their questions and consoling their tears. He has seen their struggles, their triumphs and their failures. He has seen good report cards and bad, suffered through last-minute homework, and followed the soap opera that teenagers call “life.” By tying this experience with his own as a child, he makes it impossible for his children to lie to him. When something doesn’t feel right to him, he doesn’t ignore the problem. He challenges his child, determined to discover what is going wrong in his or her life. Even though he may be exhausted or perhaps even afraid of what he will find, he will doggedly pursue the root of his child’s problem, finding a solution and implementing it no matter the cost.

A sperm donor knows little of none of this, and tragically may be incapable of even recognizing his ignorance. A father may even pity men like these who are incapable of understanding the sublime joy of being the last to fall asleep in his house, his children asleep in their rooms, his wife next to him in bed, his universe ordered and secure. But then he remembers that they have chosen their paths in life and ultimately their fates.

A father understands that it is up to him to live his life as a pillar of steel sandwiched in concrete to support his family. He suspects that his own personal growth paradoxically came through his submission to fatherhood, but he doesn’t dwell on that fact much. Like most fathers, he doesn’t dwell much on his own well-being, not when there is the well-being of the members of his family to consider. Finally, he knows that to truly honor his own father he must become a father that inspires his own children to one day write trite essays and stories on Father’s Day.

Bret Stephens’ Advice to the Class of 2012

Wall Street Journal columnist Bret Stephens provides free advice to the Class of 2012:

Many of you have been reared on the cliché that the purpose of education isn’t to stuff your head with facts but to teach you how to think. Wrong. I routinely interview college students, mostly from top schools, and I notice that their brains are like old maps, with lots of blank spaces for the uncharted terrain. It’s not that they lack for motivation or IQ. It’s that they can’t connect the dots when they don’t know where the dots are in the first place.

Sometimes the best advice is that which you don’t want to hear. If that’s the case then the Class of 2012 – and future classes and their parents, should read the entire thing here.

The Insidious Nature of Student Loan Debt

I have a BA degree in Political Science and in the decades since I got the degree it came in useful once: it allowed me to teach English in Japan, a university degree being the sole requirement at the time. Since then I’ve not used it during my career and I likely never will. I have no regrets getting the degree however, because I got it from a state school and graduated with debt I repaid in four years teaching, making $2,000 a month. After returning to the USA with the Kid and the Wife I began a career in IT starting at the bottom by working at a help desk. Over the years I built the career into something that I enjoy and has proven lucrative. The Wife and I also made an investment in her education, graduating medical school 8 years after taking the first steps to do so, albeit saddled with enough education debt to choke an accountant. Together we live comfortably although not extravagantly, and looking back I appreciate that our current circumstances are the outcome of a series of clear-headed decisions and sacrifices we made long ago leavened by a dash of luck.

Now the Kid is approaching college age, and it will soon be time for him to confront some of the same decisions we faced. One of those decisions will be whether to go to college, and for years I have been studying the education landscape with a critical eye in preparation for this day. During that time I have read voraciously and talked to newly minted college graduates and grad students. What follows is based on my experience

If you are a high school student, don’t go to college just because your parents think it’s the next stage in life or its what everyone else is doing. Your parents likely didn’t finish school with sums of debt that they likely couldn’t have supported upon starting their careers, and they are using their experience as a guide. Unfortunately the world has changed tremendously since they got their degrees in the 80’s or 90’s, and their experience can seriously screw up your life. As for going because it’s what everyone else is doing, do yourself a favor and look up “tulip mania” and educate yourself on economic bubbles. These bubbles all burst, eventually hurting those who follow the economic advice of the herd. There are whole industries dedicated to keeping those bubbles going and for encouraging the stampede of young people into education, just as there were Indians who used to stampede herds of buffalo off cliffs.

The simple problem with college today is that it is too expensive. Costs have been rising above inflation for decades, inflated by the cheap money made available for borrowing through student loan programs. Student loans seem innocuous, even beneficial. After all it often makes sense to borrow to buy something that will improve your salary and marketability in the future.

Take it from someone who has to write a large four figure check every month to pay off student loans: Student loans are an insidious form of credit. Most students and their parents wouldn’t dream of piling up tens and hundreds of thousands of dollars in credit card debt yet when they think about student loans they lose their senses. All critical thought evaporates.

What is wrong with student loan debt? Several things, but the most important is that you cannot discharge it through bankruptcy. Go on a bender with your Visa card and you can declare bankruptcy and have the debt erased with only a damaged credit rating to show for it, and even that can be repaired after a few years of sensible living. But student loans are for life. They can never be discharged, and all the so-called forbearance programs like Income-Based Repayment do is spread out the debt over a longer period of by piling on the payments you are missing onto the end of the loan. Add in compound interest and that $1,000 payment you are avoiding today will likely cost you $3,000 by the time you pay it off.

Which brings up the subject of compound interest. Even though I had two mortgages under my belt I was still shocked by this simple accounting concept when it came to handling the Wife’s student loans. It bit me in the butt even though I should have known better. Here’s how.

Imagine that you expect to finish undergrad with $50,000 in debt. $50k sounds manageable, right? Now let’s say that your lender is spreading those payments over 15 years at 6.8% interest. You will end up paying back nearly $80,000. So that $50k you graduated with isn’t really $50k. It’s $80k, 60% more than you thought. During that 15 years of repayment you are going to have numerous debts such as car payments and perhaps a mortgage. You will also have to pay for everything that your parents have paid for. Sewer bills, water bills, personal property taxes, health insurance premiums, dental bills – the costs of living that as a child you’ve never had to consider let alone pay. This is why a general rule of thumb is that your student loan payment should be less than 10% of your income. Add in the other rules of thumb that a mortgage should never take more than 25%, a car payment 10%, and the salary that isn’t allocated to a bill quickly disappears. So to support that $50k debt you are going to have to make $70k a year. See for yourself.

There is just one starting salary out of undergrad that will net you $70k a year: petroleum engineer ($97,900). And that’s today. By the time you graduate that starting salary will likely be much less because other students will have gravitated towards that major, boosting the supply of graduates for a limited supply of jobs, driving down starting salaries. Maybe something else will fill the void, but since you don’t know what it is it is impossible to select that major years in advance.

Maybe you can console yourself that there are plenty of mid-career jobs that pay well over $70k in the Payscale survey. The problem is compound interest. Mid-career is calculated at 15 years, so to get to a point where you can afford the payments, you will need to forbear early in repayment which will tack those payments on to the end of the loan, boosting the total amount you have to repay and saddling you with payments beyond the initial 15 years. That $50k becomes $100k or more.

Everyone says debt is bad but no one really says why. Debt limits your choices. I think this is the most important reason for young people to avoid it completely or at least realistically understand it before taking on substantial chunks of it.

Say that you decide after graduation that you want to take six months off and travel around Europe. Traveling is one of the best things a young person can do. It exposes him or her to new cultures and different ways of living that cannot be learned in the classroom or in a book. The experiences gained from seeing the world are priceless and often life changing. One not only learns about others, traveling teaches one about oneself. For this reason it has been a critical component of liberal arts educations for centuries, but one that has been forgotten except through expensive exchange programs that limit and control new experiences, neutering the benefits of travel while expanding the costs. But you can’t don a backpack and buy a ticket to Istanbul to visit your Turkish friend when you have student loans coming due.

Say you have a great idea and want to start your own business. Starting a business is hard enough when you have little credit history, but go to a bank for a small business loan to get your idea off the ground when you have student loans coming due and you’re just wasting your time. Not only will you not get the loan your business needs, you will have to choose IBR and add to your debt while you work to get your business going, or you’ll have to skip it altogether and choose the first job that provides you with a decent chance of paying the loans back. I have seen first hand student loan debt push medical students into more lucrative specialties just because they pay better instead of those like family medicine and pediatrics that pay much less but require the same debt load.

The statistics I’ve seen suggest that people will change careers several times over their working lives. I’m 15 years into my second, and even within my current career I’ve changed focus and types of jobs many times. I would have been unable to do that if I had been saddled with student loans, forcing me to follow the money instead of my interests. The economy that is evolving requires people to act quickly and nimbly to stay employed and develop new skills, and doing this is much more difficult with student loans holding you back.

Like many liberal arts majors I considered going to law school. If there is one field that I would discourage my son from entering, it is law because it is the worst investment one can make, and the statistics bear that out. As this post by Walter Russel Mead states, unless you get into the top handful of law schools you are wasting your money on a degree that will pay much less than professions that don’t require expensive graduate education. Lawyers have a median salary of $50k, and to get that $50k/year they incur $125k in debt. According to Payscale, one could major in physics, avoid the $125k in graduate debt and start out making $50k a year, with the prospect of doubling that by mid-career.

So what am I telling my own son? I am telling him to not go to college until he has a goal in mind and college makes economic sense to help him to achieve that goal. I am telling him that after he finishes high school he should expect to travel and to work so that he learns about the world and himself. He has shown interest in the military but I have tied that to college, insisting that he only enter the military as an officer. He can attend junior college and get exposure to new fields there for a fraction of the cost of four year schools. As for the social benefits of college, there are alternatives that don’t cost $45/hour. He can pay someone to be his friend and hang out with him for much less, and besides, college friendships are overblown. I have a small stable of friends, and all were met on the job, in high school, or in non-college related activities during my college years.

There are benefits to college, but these benefits have become too costly. There is simply no reason that a 22 year old should saddle him or herself with debt that limits choices until middle age. That’s not what college was supposed to do, but it is what it has become.

A Box of Legos

The clouds had grudgingly parted and allowed some sun to shine through the cold that had wrapped the countryside in a thick blanket of Winter gloom. Taking advantage of the respite I started cleaning out the basement, pulling out suitcases thick with dust and cat hair to air out and organize the plastic storage boxes.

I opened one full of Legos. In it a house was half-built laying on top of a jumble of bricks. Several years ago my son had worked on it for minutes, perhaps several hours and then stopped. It got put away and left undisturbed in the box. He is 15 now, learning how to drive, in love with a girl who lives on the Outer Banks and comes nearby to visit her grandparents. He has no interest in Legos and probably won’t for a decade, perhaps longer.

One day he will open the box and find the house waiting for him, exactly as he had left it when he was 11 or 12. He will see it through new eyes, and the years will fall away like so many leaves of seasons past as he lifts the house from the box and sets to work on it with a companion whose identity is a mere glimmer in my imagination.

But until then the box of Legos is secure in our basement, waiting for his return.

The Civics Lesson

For the past few weeks the Kid has been taking driver’s education at his high school, and with the inevitable and required birth date past, I was machine gunned with demands. “Did you find my birth certificate? Do you have my social security number? When can you take me to the DMV?” One by one I found the required documents – all except one, the Kid’s social security card. In the envelope containing his birth certificate was an application for one written in the Wife’s hand and dated May 7, 1998. The Kid was less than 2 years old at that time, and the need for a social security card wasn’t pressing enough to actually send in the form requesting one. So it sat around the house and then was carted to our new one after we moved, completely useless except as a reminder of a simpler time when the Kid was still mastering walking instead of driving 70 mph on the local interstate.

I warned my son. “I don’t have the card, so there may be trouble at the DMV.” As an American adult there are certain things one knows that a teenager doesn’t, and one of those things is the inflexibility of government bureaucracies. He didn’t seem concerned, so we picked up his transcripts at his school and he signed the pledge to maintain his grades and to not use drugs or alcohol. With an assortment of other documents in hand including federal tax returns showing his social security number, we drove over to the DMV.

I had never been to this particular DMV office, but it was like nearly every one I’ve ever been in. Signage was everywhere with block-like figures neo-Socialist genderless figures, all of it bilingual and none of it helpful. Several other people sat in chairs in one room, and a receptionist window had a sign-in sheet but no names on it. Nonetheless it made sense to me to put my son’s name on the list, and we sat down in some tired plastic chairs under flickering fluorescent lights. “I hope I don’t fail the test,” he said nervously. I assured him that it took me several times to pass the test, and that there was no shame in failing it. He would take it again. I also warned him that the lack of the social security card could be a problem, but he seemed more worried about the test so I let it slide.

Eventually his name was called and we entered another room with three DMV employees sitting behind desks. My son sat in the single chair opposite the DMV employee, a matronly looking heavy set woman in her late 50’s. “Here for a permit?” She said brusquely. My son answered yes. He passed her the documentation. “Where’s his social security card?” She said, looking at me. “He doesn’t have one, but I have the number,” I said, smiling.

The woman sighed like a truck tire hit with a pick axe and said, “That’s the first document on the list.” I nodded and still smiling said, “But we have the number.”

I’ve dealt with bureuacracies my entire adult life. I knew this was going to happen, but I had to go through the motions so that the Kid saw that his father was at least trying to get him what he wanted.

“Sir, I can’t do anything without the card,” she said in a monotone, “You’ll have to go to the Social Security Administration to get a slip of paper that says a card has been applied for. Bring that slip to this office and we can then call and confirm that the Social Security card has been requested.”

“You can’t do anything until we get that slip of paper?” I asked.

“No.” A civil servant’s favorite word.

“Thank you for your time,” I said to her sweetly as my son stood and we left the DMV.

“What a rude woman,” he said as we walked to the car.

I’ve never understood exactly what it is about civil service jobs that makes workers so surly. They are paid decently and have better benefits than anything I’ve ever received working in the private sector. Yet they are some of the rudest, and most unhappy people you’ll ever meet in daily life.

The nearest Social Security Administration office was about 1/2 an hour away. It was just past 3:15, and having nothing else to do on a Friday afternoon I decided to get the Kid’s card so that we could get him his permit the following week. Thirty minutes later we had found the office. We walked to the door and pulled on the handle – but it was locked. I looked at piece of paper taped to the door. “As of August 11, 2011, our office hours are Mon-Fri 9am to 3:30pm.” We had driven roughly 30 miles out of our way to a federal government agency’s office that had closed 15 minutes before.

“This is why I hate government,” I said to my son as we walked back to the car. He to take it in stride. I think he had been worried about the test, so avoiding the immediacy of that came as a relief to him, but I wanted to go “Scott Walker” all over these bureaucrats’ asses.

In the private sector that I have worked since I was in high school, I have developed a positive attitude that has improved with time as I realized that people would rather work with or be helped by a sunny personality than a surly one. It’s a lesson that my mother, one of the world’s best saleswomen, tried to teach me when I was young but the lesson didn’t make it through my thick skull until I was middle aged.

The woman that “served” us at the DMV stood no chance of making it outside of that office. She had probably worked there her entire adult life and never been exposed to the demand for a positive attitude at one’s job created by the fear of being shown the door. In fact in her position she probably had never been exposed to free market pressures at all. Just in the past 10 years I have had to constantly learn new skills just to avoid the unemployment line; during that same time I doubt she’s even changed desks.

During our long ride home my son and I talked about this. “Maybe she’s trapped,” he said at one point. I glanced over at him. “She’s bored with her job but she can’t change. Maybe that’s why she’s rude to everyone.”

He was right. It was easy for me to demonize government bureaucrats like the DMV lady and the Social Security Administration office that closed at 3:30 in the afternoon. But the problem wasn’t that they were overpaid: it was they were trapped like flies in amber in jobs that paid them too well to abandon yet offered nothing but monotony. Whereas I dealt with constant change in my field in the private sector, there was nothing like it in the public sector. Promotions were based on retirements, not merit, so everyone just sat around and waited. While they didn’t have to worry about where their next paycheck came from, they knew that they would be doing a decade from now exactly what they did today. The thought had an almost Twilight Zone-ish vibe to it.

The question is how do we change this situation? It’s not enough to institute budget cuts; as the public sector is highly unionized only the youngest or those with the least seniority will lose their jobs. The problem is the culture. How do we change the culture of public service to better match that of the private sector?

Imagining a public sector where private sector rules applied would revolutionize the entire edifice – from the DMV all the way up to the judiciary and Congress. Services would be cheaper, the taxpayers would save heaps of cash, and the DMV would be a more pleasant experience than it is today. The benefits would also extend to the workers who would be given more mobility and exposure to new ideas and new jobs in exchange for the loss of a lifetime employment contract that is looking more illusory given the perilous state of our government finances.

Public sector workers like the woman at the DMV would fight such change to her last breath. Perhaps it’s too late for people like her ruined by a lifetime of tedium, but there are solutions for younger workers. Maybe these changes will have been done by the time my son visits the DMV with his son to get him his driver’s permit.

Out of the Mouths of Babes Comes Gibberish

I have been watching the Occupy Wall Street protests with mixed emotions. While I sympathize with some of what they say, the group says a lot – too much in fact to be coherent given their shotgun sloganeering. Over the years I have argued against the bailouts of banks and especially the American auto industry, and have railed against crony capitalism regardless of whether it was conducted by Republicans or Democrats. And I disagree with President Obama that much of what the bankers and other corporate leaders did the precipitated the crisis was legal so they are immune to prosecution. The only reason they are immune to prosecution is that those behind the economic crisis including Goldman Sachs’s Llloyd Blankfein, billionaires  Warren “Backtax” Buffet, George “Judenrat” Soros, Solyndra backer George Kaiser and JP Morgan-Chase’s CEO Jamie Dimon are strong supporters of the president. If they went down, they would take the entire Obama administration with them. What these men have accomplished is as much “capitalist” as what China is doing is communist. Ayn Rand and Adam Smith would be shaking their heads and laughing ironically in that annoying Gen X way; Rand doesn’t strike me as much of a crier.

What is truly ironic is that in the beginning of the 21st century when Capitalism has proven itself to be the most successful form of economics, so successful that former communist states like China have become capitalist in all but name only, the nation at the heart of 20th century capitalism now gazes intensely at its navel, questioning its basic tenets that created its success in the first place. And the height of irony is that its children, wearing expensive clothing made by multinational corporations, carrying expensive gadgets designed and sold by multinational corporations, and skipping classes at their expensive colleges and universities paid by their parents working at some of the very corporations they are protesting 0r enjoying stock dividends from these same corporations. These children, who are the beneficiaries of capitalism to such an extent that they don’t have to work, have the time to protest thanks to the very system they want to overthrow. Maybe they should get back to class judging by how little they know about the economy.

And to top off that irony, they claim to speak for 99% of the population. How can these children claim that except through the arrogance born through their privileged upbringing? 99% of the population sure can’t afford $5000 laptops, unlike these protesters.

They don’t speak for me. Not only did I work my way through college, I worked my way through high school because its yearly tuition was roughly 20% of my mother’s take-home pay from her small home-based sales business. When I graduated with a degree in political science, my future here was bleak even 20 years ago, so I left the country and taught English – an option I saw recently floated for OWS protesters complaining about being indebted with worthless degrees. When I returned to the US I had enough experience under my belt to know what my skills were and how I could improve them. Since then I have had good jobs and bad, but I built a career on my own without government or anyone else’s support. I am proud of my personal success; I own it and no one can take it away from me. I also have failures; I own them too, and don’t blame anyone else for those.

How can these children speak for me when they haven’t been allowed to experience success, because success is often a zero sum game where to succeed someone else must fail, and we wouldn’t want to hurt the loser’s feelings? Take applying for a job for example – something most of these protesters haven’t had to do. Nearly all jobs have more applicants than openings, so winning one requires others losing. Such competition is thought to be barbaric and was avoided throughout their education. The irony is that their parents understand competition. Many of them had to compete with other parents to get their children into the “right” preschool or the “right” elementary school so that they will be accepted into the “right” colleges and universities. These protesters are the winners of these events. The losers are either working, attending schools where they can’t afford to miss classes to protest, or both. But Karma loves irony just as much as anyone. You know what these protesting “winners” will call their “loser” brethren in 10 years? “Boss.”

These winners might be smoking dope, crapping on police cars and mounting each other like a pack of horny poodles, but the fun won’t last and reality will assert itself. Unless they are part of the 1% they are protesting against (some, like the students of Bard college are part of that hated cohort) they will have to cut their hair, remove their nose rings, take a shower and get a job. Of course, majoring in Gender Studies will have adequately prepared them for one of the millions of high paid jobs studying genders, or perhaps the English majors can nab one of the millions of jobs in America teaching English (although judging by the grammar and spelling on the signs perhaps not). Meanwhile positions requiring petroleum and geology engineering degrees in the US, ones paying starting salaries that would push these kids into the top 5% straight out of school, go wanting, snapped up by foreign kids who majored in fields that society demanded but weren’t “green” or didn’t have the word “studies” in them.

But that isn’t the heart of the problem with the protesters. Their biggest problems are the assumptions that they understand the system well enough to criticize it, that their criticism means anything, and that they speak for America. None of these assumptions are based in fact.

You have 20-somethings who have never held a job criticizing the job making infrastructure of our society that has functioned pretty well although not perfectly for the past 200+ years. You have children who have not been taught civics or American politics because these courses “perpetuated male-dominated stereotypes” or some such claptrap; they don’t understand how our democracy works enough to criticize it because if they did they would do what the Tea Party has done and captured the apparatus of an existing political party. Finally, you have single, young, white, “educated” upper-middle class people who have never worked a day in their lives representing the 99% of America. That 99% includes whites, minorities, part-time workers, minimum wage workers, the elderly, people with children, people who are caring for their aged relatives, professional workers, doctors, lawyers, engineers, teachers, soldiers, garbage men, assembly line workers, plumbers, members of the coast guard, marines, independent contractors, ex-military, small business owners, the religious, atheists, straights, gays, non-union auto workers, construction workers, plumbers, retail sales workers, and yes, even the vast majority of Wall Street workers. And that’s just a sample of the diversity found in the American economy. To make it more reflective of the population, one would have to mix and match those categories: an independent contractor with children who is caring for his aging parents, or a black, single father working construction.

Isn’t it amazing that the group that wraps itself so tightly in the “diversity mantle” is one of the least diverse in skin color, education, ideology and wealth? The protesters have the uniformity of a Ku Klux Klan cross-burning. Their view of the world is incredibly naive and narrow, thanks to parents who like Gautama Buddha’s protected them from pain from suffering and teachers whose ideologies run the gamut from A to B. They spout slogans like “Question authority!” and “Dissent is patriotic!” without actually questioning their own beliefs let alone their professor’s, or proving how dissent can be patriotic when in their own worldview  patriotism itself is derided as an outdated concept meant to mask class differences and prevent class consciousness from arising within the proletariat.

Worst of all they are incredibly narcissistic. These protests aren’t about the 99% of Americans they claim to represent; they are about enjoying themselves while role-playing “protester.” These kids won’t face National Guardsmen with live rounds in their magazines like Kent State, let alone the rampaging tanks and APCs of Tiananmen Square, but these kids can pretend they will. The biggest danger they face is catching a venereal disease or getting pepper sprayed; their protest zones are cocoons of safety that no city or state government is willing to disrupt for fear that it will face the wrath of these children’s parents. When hippies crashed the Democratic convention in 1968, Mayor Daley wasn’t worried about lawsuits when he responded with tear gas, water cannons, batons and police dogs. Today the lawsuits would rain down on the administration of any mayor or governor that hurt the feelings of a protester, let alone beat one. The protesters can get high, have sex, organize themselves in post-capitalist and pre-industrial, matriarchal ways, and twitter each other on how much change they are making in the world. These kids are more concerned with playing “protester” rather than actually changing society. It’s as if society gave them a giant cardboard box to play with and they are inside it busily imagining that box to be a new society, with new representational governments, and new ways of organizing the economy. But it’s just a box for children to play with – not Congress or the judiciary.

The protests have been quite useful in many, unanticipated ways. They have shown the moral bankruptcy, gross incompetence and overpriced uselessness of higher education. They have proven that the most spoiled generation in American history, the Baby Boomers, has begotten an even more spoiled generation than their own. Finally, they have shown that the economic situation in this country is nowhere bad enough to merit serious protest. Throughout our history protesters only took to the streets in desperation, whether it was the Irish fighting conscription in the Civil War, or the civil rights protesters fighting for their dignity a century later. All of these protesters put their lives on the line, and many lost them. These pretend protesters aren’t desperate; they aren’t even fighting for themselves and have no “skin in the game”, and should the protests go bad – as I fully expect them to do once they are taken over by nihilists and anarchists – they will run home to the safety of their upper middle class homes built by a corporation and paid for with a salary from another through a mortgage borrowed from a bank on Wall Street.

UPDATE: Mark Cuban lays out what the OWS should do.

Parental Duty

It was a warm Sunday afternoon and the Wife decided she wanted to visit a small 1/2 acre pond on our property that is nestled between a ridge and surrounded by trees. The pond had been created decades ago by a farmer that dammed a creek and cut a channel through the ridge wall to allow the water to spill safely down the ridge and into a larger pond a few dozen yards away. Over time the spillway had cut deeply into the ridge, creating three tiers of waterfalls, the largest being about 6 feet high above a pool of unknown depth. No mention was made of this feature in the real estate brochure, and we didn’t learn about the waterfall until a few weeks after the property was ours. It was a stunning discovery to make on our property, and one of many that has deepened our attachment to this place that we call our “little slice of Heaven” in Surry County North Carolina.

The Kid, a bunch of dogs and I joined the Wife on our utility vehicle, and we drove down a switch-backed trail that led to the pond beneath pines, poplars and oaks that shaded us from the sun. After we arrived, we got out and explored around the edge of the pond, pushing our way through spiderwebs and shrubs that overhung the pond edges. I pushed through the webs as I made a mental note to buy a well-made machete and come down to tame the understory before winter set in.

Suddenly ahead of me the Wife started screaming and running towards me. Yellow jacket wasps filled the air and began stinging her and the dogs and I turned and began to run. But she noticed that our little chihuahua was covered with about 20 of the things, and had laid down to bite at the wasps. She turned around and headed back into the swarm, and so did I. She yelped with each sting, and I noticed dozens of the wasps on the lower legs of my jeans. I made it to the chi first and knowing that he could swim I threw him into the pond. The Wife leapt in after him. She kept his head above water as the wasps stung her neck and face. My son had disappeared as had the other dogs.

I was furious – at the wasps for attacking my dogs and at my Wife for wearing shorts and sandals whenever she ventures out into Nature. She used to laugh at me when we lived for a year in the Tanzanian bush. She would wear shorts and sandals; I always wore heavy pants, long sleeved shirts and hiking boots. In Tanzania there were biting tsetse flies, two different types of stinging and swarming ants, plus numerous wasps and assorted biting flies. She would get stung and bitten on almost a daily basis. I never got stung once. And where was the Kid?

As I helped the Wife out of the pond with the dog crying in pain, I called for him using a bellowing voice that I rarely use and save for very rare occasions. He didn’t come. After ten minutes with the wasps still flying around and stinging us, I managed to fish out the Wife and the dog and pack them into the Utility vehicle. Both were stung dozens of time. In all the mayhem I managed to be stung only a few times on my arm. The wasps never managed to make it through the denim of my jeans.

When we returned home I was furious with the Kid and yelled at him for running away. The anger poured out of me and it frightened him in a way that took me aback. It was at that point that I began to realize that what I was doing – dressing him down for running away and accusing him of cowardice was absolutely wrong.

A few phone calls to the vet and a trip to the nearest pharmacy open on a Sunday (meaning a 25 minute ride to Wal-mart on two lane roads packed with church goers who believe that Jesus drives 10 mph below the speed limit) and I had calmed down. I apologized to him and hugged him, but what I can’t convey to him is the shame I feel for yelling at him.

He’s a teen. He is incapable of thinking about anyone but himself. When threatened for him running is a good strategy especially when a nest full of yellow jackets are involved. On the other hand I am a parent; making sacrifices is part of my job. When the Wife shouted about the dog in distress it was my duty to help him no matter the cost of being stung. One of my family and one of my pets was in trouble, and nothing was going to prevent me from my duty. The stings are in no way pleasant, but I have been stung enough to know that the pain goes away after an hour.

What can’t go away is the shame that I have for yelling at my son and making him cry. It tears me up, and while I’m sure he’s moved on and accepted my apology, I haven’t. I tried to make it up to him; I had him help me destroy the nest. I poured diesel on it and set it on fire and had him shoot it with an assault rifle. The slugs tore the underground nest apart, allowing the flames to reach every corner. After a few minutes I approached the nest and used a stick to pull out the larvae. It was a visceral, almost primal reaction to the attack. I decided that the reaction couldn’t wait until dusk when the nest could be approached safely; retribution had to be immediate. It was important for me to allow my son to face his fear and to do something productive to counter it, but it was more important to me to show that I loved and respected him.

The nest is destroyed and the chihuahua is feeling better. The Kid continues his journey into manhood – with a deeply flawed and regretful man whom he calls his father watching ever nervously from shore. I suppose that too is my duty.

Standing on the Bones of My Ancestors

As the human race zooms towards the 7 billion mark, it is interesting to remember that our survival was never assured. In fact there is evidence that suggests that several times throughout its history our species almost became extinct, with as few as 26,000 individuals 1.2 million years ago. The myth that we all descended from a single woman in Africa may not be completely true, but it does highlight the truth that at certain bottlenecks in the past our species came close to dying out. Yet our ancestors managed to navigate through those dangerous times, surviving through skill, determination and of course luck.

Although I’m the youngest of six I am the family historian. Being the resident genealogist isn’t easy, especially when it has become imperative that I capture old stories and the names of people in old photographs before the eldest living members pass on. This task is made all the more difficult when people simply don’t care about the past. As my wife’s grandmother once told her before she became one of them, “Why do you want to know about all those old dead people for?” Maybe it’s because we recognize that what poetess and avant garde musician Laurie Anderson says is true, we die three times: First when our body dies, next when everyone we knew dies, and finally when the last person says our name. At least for family historians, our ancestors will never die because we repeat their names numerous times, searching for information about them, trying to understand their lives and the times in which they lived. Usually the dead refuse to speak and rarely give up their secrets. Such silence becomes an obsession only another historian can understand.

For 12 years I have searched for the parents of my great-grandfather, an Irishman with a French name, Maurice Kirwin. Over the years I have mapped out his residences, the various jobs he held, and the children he reared and sometimes buried. Although he started out humbly, by the time of his death in 1931 he had several children, grandchildren and even a smattering of great-grandchildren. Although I didn’t know how he was born, he died solidly middle class as a retired carpenter and home builder.

But I had no clue about his origins. He appears out of nowhere in a city directory in 1877 age 24 before the rest of his life is recorded in public records and censuses. I scoured online records for St. Louis in the 1860s and 1870s but could not find him. He consistently claimed he had been born on February 22, 1853 in Missouri, but in doubt I poured over emigration records from the 1850s finding nothing. He simply stepped out of the shadows of the past and became the patriarch of the family whose name I carry today and even passed down to my son. It isn’t much considering most everyone has a last name (Prince and Fabio are the exceptions that prove the rule), but the name Kirwin can trace its ancestry back to a long ago immigration from Celtic Spain to Celtic Ireland. It is considered one of the original 14 Tribes of Galway, but somewhere that link between Ireland and America was broken at Maurice.

As the years passed I began to suspect that the only way Maurice could appear in public records as an adult was to have been an orphan as a child, so I began to pursue that thread. Unfortunately it didn’t take me very far because orphanage records weren’t meant to be looked at by the future public. Some remain inaccessible except by court order even 150 years later; others have little helpful information – often simply a name and an arrival date. The orphanages in St. Louis in the 1850s were filled with children. Some had lost their parents to Yellow fever epidemics that had raged through the city. Others had been dropped off by parents who could no longer afford to feed them. As I explored the records, it was difficult to restrain my imagination from conjuring up the horrors each entry must have felt walking through the entryway into a children’s home. Although I assume they had escorts when they crossed the threshold I have no doubt that they were alone when they entered.

Finally in frustration I decided to contact the St. Louis Catholic archdiocese. I told the pleasant but harried director of records my situation, and she promised to investigate for me. But before ending the call she asked an important question: Had I investigated everyone buried along with my Maurice? I had, but I humored her as she directed me to the cemetery website and plot in Maurice’s name. I had all the Kirwins buried in the cemetery for years, but the search came up with a result I hadn’t expected because I had never searched by a specific plot. Searching within Maurice’s plot there were several names I had missed – his granddaughters buried using their married names. I knew of them, although I hadn’t realized they had been buried with their grandparents. But I didn’t recognize one name: Margaret Savage.

Margaret Savage had been buried in 1909 at the age of 85 in the plot purchased by Maurice. I did the math and I realized that she was the right age to be his mother – but she could still be an aunt or even a family friend. Over the next two weeks I began researching Margaret Savage. As happens so often, I ended up spending a lot of research time on a Margaret Savage who was born the exact same month as “Maurice’s Margaret” but who left St. Louis and led a child-filled but quiet life in northeast Missouri. Such genealogical “goose chases” are common, and I’m on another one right now with an ancestor of the Wife, but it is impossible to know whether one is chasing poultry or the Truth until the very end of the chase.

After wasting time on the Margaret Savage records I decided to research Margaret Kirwin. I found exactly one record: a marriage entry by a priest certifying that on October 31, 1857 he had married Margaret Kirwin and John Savage.

Suddenly events began to unfold quickly. I searched John Savage in the 1860 census and found him, Margaret Savage, Christopher Savage, Maurice Savage and Hannah Savage. In the 1870 census I found no John but did find Margaret Savage, Maurice Savage, Hannah Savage, Anna Savage. The dates were exact; Maurice Savage was 7 in 1860, 17 in 1870 – as they should have been. In 1874 I found the death record of Christopher Kirwin – the exact same age as Christopher Savage, and in 1877 Maurice appears on his own as a Kirwin. Maurice wasn’t an orphan after all. He had been documented as a Savage.

During a visit to my family in St. Louis, a trip to the county library at first yielded nothing. I had only minutes left to devote to researching the dead before the obligations of the living took precedence, so I stopped searching old newspapers on microfilm for obituaries and went upstairs where the special collections are held. As I reached the top of the stairs I noticed a cabinet filled with microfilms of Missouri records from the 1850s, so I asked one of the librarians whether there were records that hadn’t been digitized. She explained that before the 1860s religious records were better, and after listening to a rambling description of my situation, handed me two rolls of microfilm containing Irish parish records.

The first one was a dud, but as I scrolled through the second and the chronology of baptisms rolled past, 12 years of searching came to an abrupt end. Two weeks after Maurice had been born, the priest in the largest Irish catholic church in the city, St. Patricks, had baptized him, and noted his father’s name, his mother’s name including maiden name, as well as the names of his sponsors. Maurice’s story was complete and could finally be told.

Thomas Kirwin and his wife Margaret arrived in St. Louis from Ireland with their infant son Christopher around 1851 (Records state Christopher was born in Ireland, and both the 1860 and 1870 censuses give his birth year as 1849). Two years later Maurice is born and baptized. Two years after Maurice a daughter is born, Hannah. But the little family would soon be ripped apart. In September 1855 Thomas dies of cholera, leaving Margaret with three young children (the death record appeared spontaneously on my ancestry.com family tree as soon as I joined Thomas to it). Just over two years later, John Savage marries Margaret and gives these three children a home (marriage record and 1860 census). In 1864 Margaret bears him a daughter, but he dies before the 1870 census, and for the rest of her days Margaret is known as Margaret Savage, widow of John (Gould’s city directories of various years). Then at the age of 85 she dies in an “accident” according to the burial notice in the St. Louis Globe Democrat, and is buried by her son in a plot he had originally purchased for his daughter, and where she and his beloved wife Ellen lay (Ellen’s obituary). Maurice wouldn’t join his family until burying several others in the plot including his young grandson, my uncle, who left my grandfather racked with guilt for his entire life because he drank the money his wife had given him to buy him new shoes. After he was buried, my grandmother was laid to rest there seven years later, and then the plot was forgotten, more easily so because Maurice never got around to buying a stone marker. My family moved southward out of the city and were buried in other cemeteries, and I was probably the first to visit it in decades when I sought it out and on a hot June afternoon stood atop the bones of my ancestors, including those of Maurice.

Kirwin family plot
Unmarked resting place for seven of my ancestors

Many things could have happened to my great-grandfather at that treacherous time soon after his father’s death. His mother could have succumbed to the temptation of leaving him and his siblings at one of the local orphanages. John Savage could have refused to care for them – as a maternal grandfather had refused to care for my grandmother’s nieces orphaned by the Flu Epidemic in 1918. He claimed he couldn’t afford to care for them, but he could afford enough booze to slap around my mother and grandmother to the point they hid in the closet when he came home from the local tavern on the weekends.

But Margaret stayed with her children and John opened his home to them. Because of their actions my great-grandfather survived and by all appearances had a successful life. Then the name was passed to my grandfather, who passed it to my father who passed it to me, and in a delivery room in Kyoto Japan on beautiful Autumn afternoon several years ago I passed it to my son. That afternoon was truly special; my wife passed along her name to him as well so our son has two great names with rich histories that I am gradually piecing together for him. I’ve even had the distinct pleasure of tracing her heritage back to the Norman Conquest of England, a legacy that my son now carries forward.

Although I am now more proud of my name than ever, I would be equally as proud to have been named Savage in honor of the man who protected my ancestors at a very perilous time. He is a complete stranger to me whose kindness over 150 years ago is still apparent today. And wherever he is, I hope that he knows that I appreciate it.

As for Margaret, a note of thanks is also due her. I will never know the details of her life. I can find her name written by a long dead census taker’s hand through the waning decades of the 19th century, but beyond that all I have is conjecture. I can imagine what it must have been like to be a widowed woman with three children under the age of seven in a new land that didn’t think highly of her nationality let alone her gender. She must have been extraordinary to keep her children secure as she did what she had to do including finding a second husband just over two years after losing her first. Then a decade or so later she would again be widowed and remain so for the next 40 years. I don’t know what role she played in the life of my grandfather who would have known her for over twenty years, but Maurice evidently thought enough of her to include her in his family’s burial plot. All it would have taken would have been a brief conversation between my grandfather and father, then another to me and I would have known. Instead I am left staring at handwritten public records, straining to hear whispers from the past.

A Personal Note on My Mother’s 90th Birthday.

Today my mother turns 90 years old. As a man almost half her age her longevity fills me with wonder and awe at such an accomplishment. Cynics (like me at most times) might scoff at the accomplishment since she didn’t have to do anything except not die, but it’s not like that’s easy. Besides, there is more to it than that.

First, let’s look at the raw numbers. At the time of her birth her life expectancy was 57.4 years. This meant that she had a 50-50 chance of living through the end of August 1978. She had less than a 4% chance of making it to her 85th birthday in 2006. Thankfully living conditions improved, especially for poor Americans.

My mother was born on St. Louis’s South Side, an area that was ethnically German but actually contained a mix of several nationalities who spoke German – usually as a second language. These included a large contingent from Bohemia, now part of the Czech Republic. Her mother’s father had arrived in August 1891 on the SS Trave, a steamer out of Bremen, and her father’s family, also Bohemians, had arrived just a few years earlier. On the day she was born, her father had gone out fishing, hoping to return home to a boy, only to find another daughter. He wasn’t too pleased about that, and never treated her affectionately as best as she could recall. She did seem to have a pleasant albeit poor upbringing; none of the flats or small detached homes she lived in had indoor plumbing until after she had married.

The Depression hit her family hard, and she got her first job selling door to door at the age of 16, working to support her mother. He father had died suddenly, taking a fall down basement stairs on his way to get some homebrewed beer, which he had made my mother bottle and cap for his and his friends. It gave her a life-long hatred of the smell of beer. Ironic, given that fact she met my father at a beer-garden soon after graduating high school. His father, of pure Irish stock, wasn’t pleased. “I don’t want my son marrying no dirty bohunk,” he is rumored to have said. This being America, even the Irish had someone to look down upon, and early in the 20th century it was the Italians and Eastern Europeans who had arrived starting a half century after the Irish were starved out of their own European homes.

Life was tough. Employment prospects weren’t good for my father who left school after 10th grade and bounced from one menial job to the next. I grew up on a steady diet of stories about how my parents skipped meals themselves in order to feed their growing family. My mother had dreamed of being a nurse prior to marriage but began a family instead – too quickly she later admitted. The War took my father away to the Pacific, leaving her at home with two daughters and the birth of a son, born while my father was fighting the Japanese in the Philippines. His wartime buddies even chose his name while they retook the Philippines, fulfilling General MacArthur’s “I shall return” pledge.

At first my brother thrived, but soon my mother noticed differences only an alert mother could spot. With my sisters in tow, she presented my brother to a doctor. “Take this boy home,” he said dismissively, “He’s going to die.” My mother cried all the way home on the streetcar, but she didn’t give up. She went to other doctors where she learned that my brother had been born with a hole in his heart, a defect that left him prone to illness throughout his childhood and that would eventually kill him. Some of them told them to institutionalize the boy so that she could focus on raising the rest of her family, but she stubbornly refused. Instead she sat in bed cradling my sick brother with my sisters laid out asleep on either side of her. She cried alone, but she never quit. Eventually she found a doctor, Dr. Danis, who appreciated her persistent and worked with my family to keep my brother alive until 1967 when he was one of the first to receive open heart surgery to patch the hole in his heart. Dr. Danis became a sainted figure in our house.

While my mother gave her all for her children, she never resented our failures to appreciate what she had done until much, much later. My mother continued working until five years ago, and always found money for house downpayments or some other unexpected financial crisis that befell her adult children. She kept the peace between my father and his children, which wasn’t easy given my father’s alcoholism and the rebellious spirit of one of my sisters.

My father had a simple rule for his daughters: always be home by 1am on the weekends. Most of us abided by this rule, but one sister fought against it. “If I’m going to be bad, I can do it before 1am,” she once said to my mother. “It has nothing to do with you,” my mother responded. “It has to do with not upsetting your father.” There was a logic to this deadline: bars closed in St. Louis at 1:30am, and neither of my parents wanted their daughters on the streets after that time.

My father, who fell asleep early, always woke up at 1am, getting out of bed and making certain that his children were home. If they weren’t, he would explode. He was an extremely fearful man who channeled his fear into aggression, and my mother had learned how to handle him. Today we would call such an “education” abuse, but this was 50 years ago. Back then it was considered simply part of being a wife.

One Saturday night, my sister wasn’t home as the clock approached 1am. My mother began to worry, knowing that my father would soon awaken. She slipped out of the house and began driving around the neighborhood looking for her daughter. She found her near the house, waiting defiantly for the deadline to pass. My mother pulled her cursing and kicking out of her boyfriend’s car.

Another time a younger sister came home, her face puffy from bruises she received after being hit by her boyfriend. My mother grabbed the keys, drove to the boyfriend’s house and banged on the door. His father opened it. “Where is he,” she said, bursting into the house. His parents were stunned, and she saw him at the top of a flight of stairs. She charged up the stairs and grabbed him by the throat with one hand and slapped him with another. “Don’t. You. Ever. Touch. My. Daughter. Again.” She hissed and spit, smacking the boy as hard as she could. His mother screamed, and eventually the father pulled my mother off their son.

My mother later explained that she was doing the boy a favor. By beating him herself she had kept my father from doing the job. She weighed half of what he did, and knew that had he found the boy he would have killed him. The boy would be dead and my father in prison, his family left to fend for itself. The beating was just her way of protecting her family.

Eventually his daughters were married off, although my youngest sister had to hide her marriage until the week before the wedding for fear that my father would stop the wedding. The three daughters whom he saw married, even the rebellious one, never knew divorce. Their husbands were all solid providers and were just as devoted to their own families as my parents were to theirs.

But like many big families there were divisions. Over time, especially after the death of my father, these became more difficult to hide. Slights between siblings became more pronounced. The number of people at family gatherings dwindled even as the number of individual gatherings grew. It was most apparent at major holidays like Christmas Eve: my brother and the rebellious sister refused to attend this gathering, so my mother would drag me along to visit my brother’s family on Christmas Day and my sister’s a day or two afterward. After I left home the situation became even worse. Sisters who grew up as friends became fast-enemies as one slighted the other at her daughter’s wedding.

My mother did her best to paper over these fractures, but there was little she could do. Her family, which she had dedicated her life to preserving, had become so successful that members could afford complete independence from one another. All of my siblings had done well and were solidly middle class, as were their children. They didn’t need the support – either emotionally or financially – of their brothers and sisters.

Although I am certain that she feels that she failed, I see this breakup of her family as an inevitable consequence of her success. My mother had raised them with the characters they needed to thrive and do better in the world than she and her husband had. They were smart with money, recognized the importance of education, valued their religious faith yet were all critical thinkers who questioned authorities, and never, ever quit. Their “children” were never “taken home to die.” Each of my siblings has persisted in the face of adversity and never, ever gave up. For some it was money; for others it was status. For me it was addiction and other internal demons; and thanks to my mother I never, ever gave up on myself.

But these characteristics that made them successful weakened their familial bonds. These were personal struggles that were shared with their spouses – at most. They were qualities of personality that created patriarchs and matriarchs who stood alone at the top of their own families; they found it hard if not impossible to accept the achievements of their siblings and desperately wanted to revert to roles of subservience set during their childhoods. In other words my parents, particularly my mother, had raised a family of kings and queens – not peasants.

For some the past was alive – too alive. What one sister did to another in 1964 was as alive today as it was 47 years ago. For others, including myself who grew up alone with my parents because my siblings had left home to live their own lives, the past was filled with loneliness and easily forgotten.

I wish for my mother’s sake that we could forget, that my brother and sisters could set aside their grievances if only for the remaining days of my mother’s life. But they are no doubt to stubborn and self-centered – and forgetful of the kindnesses their “enemy” showed them while growing up under the same roof.

Regardless, this is a day of celebration, of the life of a truly gifted, intelligent, and remarkable woman who taught six children to pursue their dreams and to persist against the odds no matter what a higher authority tells them. “Take the boy home,” echoes through the lives of dozens of my family thanks to the strength and passion of one little Bohemian woman who did what she thought in her heart was right and in the end, proved to the world it was.