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What should a universal basic income look like?

It should be roughly $1400 per adult. Children under 18 should receive the same amount, with a percentage held in reserve as savings paid at the prime rate until they are 21. That reserve can be partially paid out at 10% available at high school graduation, and an additional 15% entering college. The remainder can be paid out in full before 21 if they have completed an associate’s degree, apprentice program, or basic training.The amount will be pegged to the highest government inflation rate and averaged with the COLA received by congress. This will keep government agencies and congress from trying to lower the rate out of political whimsy.To keep people from popping out children or becoming absentee parents pay the first level child at 90%, the second at 75%, third at 55%, fourth at 30% and fifth level children at 10%. I stipulate level of children rather than total children as it would be unfair to penalize multiples and would discourage remarriage of single parents with multiple kids to each other. It also more easily allows the adjustment of a sliding scale when first level children reach 18, everyone moves up a level.If you choose to work, for every $100 you earn above the current UBI payment you will lose 1% of your UBI. Meaning if you work you can earn up to $1400 per month if that is the rate being paid out. If you earn $1500, you will lose $14 in the next month’s UBI for a total of $2886 ($1400 UBI + $1500 in wages - $14 reduction). This reduction rate is valid down to 50% of UBI meaning if you earn $6400 a month or more, you will only receive $700 the next month in UBI. This reduction is only in personal income for those over 18. So as to maintain the ease of administration on the UBI system, the reduction is paid out of the paycheck and directly deposited into the UBI fund, rather than the general fund.In the initial years of the UBI, vast resettlement funds should be made available to help those who wish to move out of overcrowded and high price urban areas to lower priced areas. In fact there could be a financial incentive made to encourage the movement into economically depressed areas such as small towns or former industrial centers with a glut of low cost land or housing.The second initiative would need to be made to help the homeless move into areas with appropriate services that will help them return to a normal life. This will not end homelessness, but it will encourage those who do not wish to be on the streets, but need access to mental health, public transit, and VA services./*One of the largest undocumented groups of homeless people are transient veterans who wish to stay close to VA services. While in San Diego I knew of about 100 vets using the YMCA or Planet Fitness I frequented who lived out of vans and campers just to stay near the VA and San Diego’s vast number of mental health professionals)*/

Could a universal living wage work in America?

You have to eliminate all other entitled and insurance policies and make it truly universal. You also need to stagger it for those who wish to work.From my previous answer the payment would need to be structured as such:What should a universal basic income look like?It should be roughly $1400 per adult at a federal level. Children under 18 should receive the same amount, with a percentage held in reserve as savings paid at the prime rate until they are 21. That reserve can be partially paid out at 10% available at high school graduation, and an additional 15% entering college. The remainder can be paid out in full before 21 if they have completed an associate’s degree, apprentice program, or basic training.The amount will be pegged to the highest government inflation rate and averaged with the COLA received by congress. This will keep government agencies and congress from trying to lower the rate out of political whimsy.To keep people from popping out children or becoming absentee parents pay the first level child at 90%, the second at 75%, third at 55%, fourth at 30% and fifth level children at 10%. I stipulate level of children rather than total children as it would be unfair to penalize multiples and would discourage remarriage of single parents with multiple kids to each other. It also more easily allows the adjustment of a sliding scale when first level children reach 18, everyone moves up a level.If you choose to work, for every $100 you earn above the current UBI payment you will repay 1% of your UBI. Meaning if you work you can earn up to $1400 per month if that is the rate being paid out. If you earn $1500, you will repay $14 in the next month’s UBI for a total of $2886 ($1400 UBI + $1500 in wages - $14 reduction). This reduction rate is valid down to 50% of UBI meaning if you earn $6400 a month or more, you will only receive $700 the next month in UBI. This reduction is only in personal income for those over 18. So as to maintain the ease of administration on the UBI system, the reduction is paid out of the paycheck and directly deposited into the UBI fund, rather than the general fund.In the initial years of the UBI, vast resettlement funds should be made available to help those who wish to move out of overcrowded and high price urban areas to lower priced areas. In fact there could be a financial incentive made to encourage the movement into economically depressed areas such as small towns or former industrial centers with a glut of low cost land or housing. Those would have to be made at the local level, but there is nothing to say federal grants can’t be made available to communities wishing to offer them.The second initiative would need to be made to help the homeless move into areas with appropriate services that will help them return to a normal life. This will not end homelessness, but it will encourage those who do not wish to be on the streets, but need access to mental health, public transit, and VA services, to move places where such services are available./*One of the largest undocumented groups of homeless people are transient veterans who wish to stay close to VA services. While in San Diego I knew of about 100 vets, many of them disabled, using the YMCA or Planet Fitness I frequented who lived out of vans and campers just to stay near the VA and San Diego’s vast number of mental health professionals)*/

Where can a 16-year-old talk to a free professional to help him in life?

Do you ever attend church? Even if you don't, it's ok. If there is a church nearby you might be interested in, you need to go there one Sunday, then hang back after services are over, ask the Pastor (male or female in some churches) for guidance in talking to them in their office privately. Explain your issues and what plan you would like to do. Ask them if they could offer assistance in any way to help you find someplace (other relatives or friends or even school friends that might have families you could stay with awhile). Tell them you need to get away while they (your Mom & boyfriend) are splitting up for some “breathing room”. I promise you if you open up honestly to a pastor, they will find someone in their church family who could help you. Do not be scared to ask them.If you are close to any family member, ask your mom for their phone number but explain you just wish to chat with them. You don't have to explain to her. Talk to that family member and ask if you could stay with them for awhile. Explain that your home life is rough while your mom is breaking up with a boyfriend and you need some time away.Do the same with the parents of any close best friend or school friend you spend time with. If you speak with your friends parents, they might offer you a short time on a summer sleepover where you might be able stay with them short term too.There is another daytime organization available in most US cities—Big Brothers & Big Sisters. For kids with lack of parents or older role models, you can find the local number and ask your Mom to spend part of your days (weekdays and weekend days) with these usually older college age or older individuals (male or females) who are fully screened and background checked and are there to take you to summer activities —eating out meals, summer movies, or other things that interest you. They serve as sort of surrogate family. You can talk to them and perhaps they can help you with your situation.Try the local YMCA. They have a director in every local YMCA. Talk to that person not just anyone at the Front Desk. Explain your needs for help to spend some time away from your Mom and they can help pair you with programs and volunteers who might can help.United Way Agency is another place you can try. Contact them in your city or town. They have lots of programs to find shelter or housing for those in need but please try other avenues first.Do not run away from home. Please try staying with your other family members or friends’ families short-term. Ask your mom to do a weekend sleepover at a friend’s home.Sometimes just having daytime activities with Big Brothers & Big Sisters (an older mentor) and then sleeping nights with a family member, cousin, aunt, uncle, or grandparent might help you sort out your feelings if you use this time to open up and connect to other people about what is troubling you so that you can give people the chance to help.Age 16 is a good age to find work to keep you busy too. If your mom is willing or can drive you to work and pick you up, then ask. If not, ask if you could use the local Metro bus short-term for work commutes. Then make friends at your part-time job with someone your age and tell them that some times you have problems with buses or rides to work. Lots of people like to ride in carpools together. Maybe your Mom could pick up a few friends from your work and shuttle them home if your friends’ mom gave you a ride to work. Uber is another option though I don't know if age 16 is old enough to be picked up alone. You could find out.You could find a job within walking distance. 16 years olds can only work about 20–30 hours max by Federal US Labor laws so at least 2–3 times a week for half days, you could work as a bag person at a local grocery store. They will pay you every 2 weeks.Take $10-$25 to open a checking acct at a nearby bank and then ask your new part-time job if they offer direct deposit for your payroll checks. If they do, give them your checking account information and their Human Resources or Payroll group at your work will set this up for you. You don't need a drivers license to set up a checking account if you ask your mom to help you go to the bank and set one up for you.You can go to your High School as the Front office staff are still working all summer or part of it. Ask for a VOE form and tell them you want to take Driver’s Ed classes. Take the form to the nearest Dept of Public Safety (DPS) office and ask to take a driver’s ed class for a minor age or hardship license. This allows you to get a license and if you get your mom or another older licensed driver to ride with you, maybe you could borrow her car (with her permission first) and drop her to work and drive yourself daily to and from work.Save your money in your checking account and use the driver’s license or a valid school ID photo to open the bank checking and savings account. Save 80% of your checks into your checking account, put 10% into a bank savings account and give any % up to 10% to your church (a church tithe you can pay weekly or monthly or a one-time donation per year). This gives the church the financial means to offer you emergency programs and people to help you. My ex-brother-in-law lived in his deceased mom’s home with his older brother. The older brother died and the younger brother was on social security disability with health issues that limited his mobility. He went to church and asked for financial help and for a month or two, they paid his house mortgage. It helped him until he found a perm job in a hospital doing work for them.Try these resources. Do not despair. You are never alone. I would talk honestly first also with your mom if you could get close enough to discuss your living with another family member or a family friend and taking advantage of some of these ideas to get you more independent.When I was 15–16, I had 3 jobs. I had taken piano lessons since age 5. I had a piano teacher who found me a job at a local church as a backup pianist job. On some Sundays when their normal piano player wanted time off, I filled in for a flat $50 fee. That's $50 for about 5–6 songs played on a one hour church service. I did that for a church in a nearby town and then asked to do the same at my own church. Sometimes I made $100 in 2 weeks doing 1 service for one Sunday at one church and then another service at another Sunday the next weekend for the other church. My mom dropped me off and picked me up until I got my license at age 15 or 16.I was a part-time lifeguard at a local Indoor Natatorium pool. I took American Red Cross swimming lessons to get their paper badges of completion of every swim level from pollywog, to guppy, to fish, to flying fish. They name each level after fishes. Then I took Junior and Senior Lifesaving lessons. That got me the certification needed to apply for a lifeguard job with the City of Orange, TX who owned and ran the Indoor pool. I got paid well over min wage (more like $20-$30 an hour part-time).I also baby sat. I asked neighbors if they wanted date nights with their spouses or I went to school and actually sat for the kids of the baseball, basketball and football coaches too. They paid really well. If they promised to go out on a weekend date night and stayed out past 10:30pm, I charged them time & half pay ($5 hourly till that time and then an extra half pay per hour $2.50 extra for every hour over that deadline). If they went past midnight and sometimes they went out to dinner or dancing or late movie and got home around 12pm or 1am, I called my Dad who picked me up late and I charged them Double Time ($10 an hour for every hour over 10:30pm deadline).I banked all my summer job money in my checking account and used that to buy clothes, pay for gas to borrow my Dad’s Ford F-350 truck or my Mom’s four-door luxury car. She was a teacher so I drove her to work so I could drive the car to high school until my senior year.I used the student bus system on UT college campus or friends or local buses or my bike to get around until I finally got my first car my sophomore year in college.You can do it. Start small. Talk to anyone who will listen. Spend days or nights with friends and family. Get a bank account, walk to a nearby business, ask for a job application, find a bus that goes there, carpool, or ask to borrow the car if you take and drop your mom to work. Be responsible. Don't lie, don't use your mom’s car for anytime but what you and she agree to. Build up her trust in you and she will give you more freedom than you ever wanted.Don't loan her car to friends, don't steal money from her wallet or lie even about who you are with. Introduce your friends to her. Get a mentor at Big Brothers & Big Sisters or your church or YMCA or United Way to become a surrogate family or sibling or parent that is missing in your life (a Dad!).There are hundreds of people just waiting to help you but they have to know your needs and what you are looking for to help you.Living on your own is not really possible. You need to grow up more and street life is dangerous and deadly. There are bad people there who will steal your things, rob you, or even molest you or make you take drugs or do bad things. Don't do this life. You will end up in a hospital for drug addictions that will kill your brain cells and shorten your life, prison or jail which is a scary place or just in the possible grasp of pedophiles or other pimps who might want to take advantage of you sexually or control you which is really horrible. There are other dangerous violent criminals who just might harm or kill you.Seek help first from your mom, then family, then friends, then church, then outside agencies like Big Brothers & Big Sisters, YMCA or United Way agencies.Good luck. Take care. Write back and let us know how you are doing.

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