Affluent Savvy
Photo by Laura Tancredi Pexels Logo Photo: Laura Tancredi

How many Israelites died because of the golden calf?

3,000 people Only 3,000 people are killed. The golden calf is destroyed. And this turns out to be a lesson that happens again and again in the Bible.

Does cinnamon help you lose weight?
Does cinnamon help you lose weight?

Cinnamon and weight loss Cinnamon has been shown to reduce some of the bad effects of eating high-fat foods. This can help in an overall weight...

Read More »
How can I improve my life in 7 days?
How can I improve my life in 7 days?

7 Ways to Improve Your Life in 7 Days Begin learning a new skill. What's one thing you've always wanted to learn, but have never made the time for?...

Read More »
Awaken your dormant DNA ability to attract wealth effortlessly
Awaken your dormant DNA ability to attract wealth effortlessly

The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.

Learn More »

It's This American Life . I'm Ira Glass. Each week on our program of course we bring you some theme, bring you a variety of different kinds of stories on that theme. Today's program, The Golden Calf, stories of people worshipping false gods, and whether that is always such a bad thing. We have arrived at Act Three of our program. Act Three, Don't Have a Golden Calf. What show about worshiping false gods could be complete without a story about money, or real estate, or hipness? Fortunately for us, this next story is about all three. Iggy Scam tells the tale.

Iggy Scam

When I first moved to the city, The Chronicle had run a story about the donut shop in the corner, the one with the huge sign that proudly proclaimed, "Open 25 Hours." The story in the paper called the corner where the donut shop was the epicenter of crime, and they meant for all of San Francisco. It was a staggering idea. I would sit in the donut shop and try to imagine crime, disturbance, discontent radiating outward across the entire city from that very spot 25 hours a day. Years later, I moved into my friend Jimmy's house on the alley behind the donut shop and got to sit back and watch it all. On San Carlos Street, there was a daily sweet sad procession, a never ending back and forth that we could watch from our steps. There was the sound of man fruit bar carts up the alley, clanging their bells. And there was that tense, menacing no sound of cops cruising slowly the wrong way down the alley. The girl down the street that I had a crush on would walk, short sleeves in the Mission sun, smiling sweetly on her way to morning coffee at 1:00 PM. And Tony the drug dealer would walk the other way looking exhausted, sagging against a palm tree with gang tags carved into its weathered trunk. My favorite time on San Carlos was 6:00 AM, just before the street woke up. Staring down the alley past the tired old Victorians and shoes dangling from telephone wires, I could imagine 10, 20, 100 of 6:00 AM's all exactly like this one, yawning and stretching into the past. It was a working class street, a ghetto alley, a place with problems that money wouldn't solve, but for now, asleep and dreaming. But the Mission was changing. Streets that had been called down and out were now called green, and the Mission's turd and graffiti motif is now fashionable. Termite-ridden, drafty old Victorians were bought at exorbitant prices, not to live in but to immediately resell like internet stocks. Everyone in San Francisco had a dream that somehow hinged on real estate. The stock market was pumping so much easy cash into the neighborhood, the good times were so good, that the dream even had a name, Cleaning Up the Mission. Developers and slamming histories congratulated themselves, believing that the ordinary greed was actually a moral force, a rising tide to lift all boats. Our landlord up on the hill had bought into that dream too. Our landlord, who I'll call Maurice, was a dour-looking, henpecked little guy, a self-employed electrician who happened to own a couple houses. When I think of Maurice, I always think of him with his sad, black mustache and his tools, standing in the driveway as my roommate Jimmy came home from the flea market with his huge, green, grafitti-covered van. Maurice always seem to be thinking, how did this happen to me? He had bought our house eight years before and inherited Jimmy as his tenant. San Francisco's rent control laws are a stronger "'til death do us part" legal bind than marriage. And by law, Jimmy and Maurice would go to their graves with Jim still paying a sweet 1988 rent. In the 12 years Jim had lived in San Carlos, he'd become as much a part of the street as the street sign itself. Everybody knew Jimmy. Even the gang kids dressed in blue shook their heads and laughed when the green van drove by. Jim was a self-employed scavenger who sold trash at flea markets, gave away more of it to anyone who asked. Homeless guys came by for clothes and blankets. Jim's friends came by looking for baseball gloves, or Super 8 projectors, or a PA for a protest at Civic Center, and he usually hooked everybody up. He was also a long-time neighborhood bartender and had a band. Just about everybody in the Mission had either bought a beer from Jimmy or played drums in his band. Even though the Mission district real estate goldmine was becoming national news, Maurice never seemed ambitious enough to try to evict Jimmy and cash in. But he was married to Claire, a sour, always sneering woman with upwardly mobile aspirations of her own. Claire hated Jimmy. It was easy to imagine her up there on the hill working on Maurice, telling him if he was any kind of a real man, he'd get rid of that wing-nut trash salesman tenet of his, and they could sell the house and be rich. Or maybe she wanted to evict us and move into our house in the trendy, up and coming Mission that now had valet parking. We knew that Maurice's first wife had left him several years ago for another woman. Maybe Maurice thought that if he got left behind in the get rich quick housing market that Claire would leave him too. Whatever he thought, our house was now something else to him, a symbol of some brighter, well-heeled future. It was a chance, a chance for a henpecked electrician to finally hit it big, to be where the action was, to not be a small-time landlord anymore. And all they would have to do would be to get rid of us. We always paid our rent on time and had no problems with Maurice. It would be nearly impossible for him to legally evict us. So Maurice hired a notoriously ruthless and shark-like eviction trial lawyer, a man so stereotypically vile that when tenants' rights protesters staged demonstrations on his lawn, he would come out and greet them, waving and yelling smile as he videotaped them in action. Maurice's hotshot lawyer had never lost a case. He had a secret weapon, a little known law called the Ellis Act that allows landlords to evict their tenants if the landlord takes their property off the rental market forever. After they evict the tenants, the landlords can sell the property, move into it or turn it into a condo, but there is one catch. If the property is re-rented any time in the next 10 years, it has to be offered first at the old rent to the evicted tenants. This was not a big deal for Maurice's lawyer though because most people evicted under the Ellis Act didn't speak English and didn't know their rights. And the rest would move away and not fight it.

Can meditation change IQ?
Can meditation change IQ?

Boost your IQ The results showed that participants who meditated showed an average gain in IQ of 23 percent. One of the reasons is that deep...

Read More »
What are the six types of money?
What are the six types of money?

The various types of money are: Commodity Money. Fiat Money. Fiduciary Money. Commercial Bank Money. Metallic Money. Paper Money. Reserve Money....

Read More »

The lawyer served eviction notices to us and our downstairs neighbors. Within a month, the neighbors had taken a settlement and left the city. But Jimmy decided to hire a lawyer and fight it in court. As long as the lawsuit went on, we would continue to live in the house and Maurice could not collect rent. Maurice and Claire were confident though. They sold their house on the hill and moved to the Mission. In fact, they moved in right downstairs. The first month was awful. Jim said he could hear them through his walls giggling and having sex in the bathtub, something I did not want to have to imagine. They were clearly enjoying their new lifestyle in the resurgent Mission, playing the part of wealthy real estate movers and shakers. Claire had taken to smoking cigars, and she would stand on the porch and sneer with great satisfaction at us, arms folded, saying things like, "Have any luck finding a new place yet, Jim? Better start looking." They would have their one friend over and talk with him loudly in front of the house about how they would soon be rid of us. But I actually felt sorry for Maurice. The Mission was no place for this kind of hubris, and I think he knew it. The electrician was in over his head, and he was about to meet George. George was the homeless guy who slept under our stairs. But to say George was just some homeless guy would be to say Shakespeare was just some writer. George had reinvented the role. With his trench coat and thick, greasy beard and wild mass of jet black hair, George was more of an ominous presence, a force, not so much a harbinger of doom, but a reminder that you were doomed. a feeling like a hangover that had always been part of San Carlos Street and always would be. While everyone else in town was worried about eviction, George wandered the streets unconcerned because he was, in fact, in charge. He slept anywhere he wanted at any time of day. He would go to the pizza place on the corner, put his feet up on the sidewalk table and throw his head back, surveying his domain through always squinting eyes. He would not buy a thing. Instead, he had the power to assess taxes on passersby. If you had a six pack, George would always get a cold one off of you. If you gave him a cigarette, George would stroke his beard and yell, "Give me two." George also left massive turds in front of our garage door every morning. There was nothing you could really do about it, but he was pretty good about going in a bucket if you put one out for him. Since Maurice was new downstairs, we decided to see if he could figure this out. Maurice had lived on Bernal Hill, a nice neighborhood full of kindly older lesbians where everyone always seemed to be out walking their dogs. It was a pretty part of town with trees and views. Nothing there could have prepared him for George. We would sit and drink beer on the steps and watch Maurice clean up after George. After a week or so of this, he installed one of those annoying security floodlights that turn on if anyone walks within, say, 100 yards if it. We were blinded anytime we walked up our steps at night. I found that if you just unscrewed the bulb a little bit, it wouldn't work. But one day George came by, and Jimmy asked him what he thought of the new light. George said, "Oh, I love those things. I can make sure I have all my things together before the light goes out and I go to sleep." After that, we quit unscrewing it. The case dragged on, and weeks with George stretched into months. Maurice and Claire's friend came over less and less, and then not at all. The bill from the hotshot attorney was mounting, and the flood of money into the neighborhood wasn't exactly cleaning up the Mission. No, if a rising tide was going to lift all boats in the Mission, that tide would not be money, but urine. The most visible nightly example of this so called economic revitalization was that the people pissing in our garden at night had on more expensive clothes. I'd come home to find giggling drunk girls in those huge shoes with their pants down peeing away in their driveway while their boyfriends drunkenly tried to pick all of Jim's flowers to give to them. I saw people mastering the art of pissing with one hand and talking on a cellphone with the other. The Latino working class bars in the Mission had all been systematically closed by the police because the patrons sold crack and got in fights with each other. They'd been replaced by hipster bars where the patrons all did coke and then went out to try to fight us. I'd see leather-coated, side burn-wearing guys scoring heroin at 16th and Mission and think, damn, it's like these people couldn't wait to move to the ghetto and lose their minds. Maurice, apparently frustrated, next turned against the very thing that might make him rich, the property itself. Possibly inspired by the high-ceilinged, white-walled lofts that all the kids were into these days, Maurice started gutting the downstairs interior, ripping out the solid redwood cabinets and the counter tops that had been constructed over 100 years ago out of trees brought over on ships from New Zealand. The craftsmanship had stood up through three major earthquakes, but it would not survive a Mission real estate craze. The legal case had by this time dragged on so long that it was no longer clear what winning might mean. Maurice and Claire were always locked inside now, their security alarm evilly protecting them from the epicenter of crime of a mere 24 hours a day. A bunker-like paranoia emanated from the downstairs unit. One day, our phone wasn't working so we had a guy from the phone company come look at it. "Well, here's your problem," he yelled in disbelief as he lifted our grey box. Maurice and Claire were tapping our phone. Later, a small dispute over parking in the driveway ended with Claire punching Jimmy's girlfriend in the head. Soon after that, Claire apparently moved away, curiously being escorted by a younger man who carried her bags and opened the car door for her while she gazed longingly up at him. No more sex in the bathtub for Maurice. After that, we almost never saw Maurice, except when he came home from work and slammed his door.

Do we choose God or does God choose us?
Do we choose God or does God choose us?

We find that all believers are chosen of God (Titus 1:1 NASB). Believers were “predestined according to His purpose who works out all things after...

Read More »
What is Buffett formula?
What is Buffett formula?

Buffett uses the average rate of return on equity and average retention ratio (1 - average payout ratio) to calculate the sustainable growth rate [...

Read More »
Awaken your dormant DNA ability to attract wealth effortlessly
Awaken your dormant DNA ability to attract wealth effortlessly

The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.

Learn More »

And as for Jimmy, the block he had lived on for 12 years had changed considerably in a short time. Three Latino families down the block had been evicted under the Ellis Act, and now their former houses stood empty because they were more valuable that way. One was surrounded by rubble where the owner had tried to turn the Victorian into a loft but had run out of money. Some of our friends had just given up and moved away, including the girl I had a crush on, who took her sleepy smile back to Louisiana. There were no weekend garage sales anymore at Jim's, and no one really came by to hang out on the steps. No one had anything good to talk about anyway, just more eviction news. After nearly a year, the judge ruled against Jimmy, and we had to move out. Maurice's winning deposition was a monumental, four-page list of over 70 complaints against us, a staggering document of an almost Kurtz-like collapse that Mission life had caused in Maurice. He accused us of having our house open at all hours day and night so that homeless people could just come in and wash their clothes. One innocent time when Claire found Jim and two male friends working on the car in the garage was described as an orgy. In another complaint, Maurice accused us of, quote, "dragging heavy items across the floor all night in order to tape record the sounds." Well, it was easy to see why the judge had ruled against us. Maurice was just trying to do what he wished with his own property when he had suddenly found himself at the center of a sordid and vast avant-garde homosexual conspiracy, a Mission netherworld where the unclean and unhoused traded sex for laundry at twisted, 4:00 AM art shows. I said, "Man, I only wished we were that cool." The day we moved out was the only time that I ever actually saw Maurice's famous hotshot attorney. Everyone was there, waiting for the sheriff to come serve the final papers. Maurice came out to the top of his steps to wait. Claire finally pulled up, chauffeured by the younger man. And the lawyer pulled up in his SUV. He was the only one smiling. He strode confidently to the top of the stairs looking out into the alley, grinning as if he were about to address a crowded plaza full of supporters. After all, he'd still never lost a case, and he'd built a personal fortune on the one tried and true San Francisco idea that went all the way back to the first gold rush, the principle that the town was founded on. You don't get rich panning for gold. You get rich selling Levi's to all the fools who show up here every day to pan for gold. The Sheriff finally came, papers in hand, and the lawyer led him up into our old house. But a moment later, they came out confused. They couldn't find Jimmy to serve him the papers. For the first time, the lawyer was irritated. He turned to us and growled, "Where the hell did he go?" Just then, Jimmy came out of the house next door and casually said, "Oh, I'll take those. Thanks." See, a couple days before, Jimmy had worked out a deal with the landlord next door. And now, Jimmy was moving into a room in the very next house. Jim said, "Hey Ig, can you give me a hand with these plants?" And Maurice and Claire watched in stunned disbelief as we dragged the planter boxes across the driveway to Jim's new home, a mere 10 feet away. They knew they wouldn't be able to rent the house to anyone but Jimmy for 10 years, and he would be right next door watching. Maurice stood at the top of the steps looking out across San Carlos Street, a street with problems that money couldn't fix. How could he have known what would happen next? That within a year, the real estate boom would bust, that the stock market would flounder, lofts would stand vacant all over town. How could he have known that in a few months, he would move out of the house that was his dream, and that the house would soon be covered in graffiti and trash, that the driveway would be full of homeless guys sleeping on couches, and that George would move to the top of the stairs? How could he know that the get rich quick scheme would fail, and that he would be unable to even sell the house because no buyer would want to rent it to Jimmy at a 1988 rent. I don't know, but from the look on his face that day at the top of the steps, I could tell that Maurice did know. He'd figured it out all at once as his high-paid lawyer got in his SUV and sped away, as the younger man opened the car door for Claire and they drove off too. The house was all his. Somewhere George was stirring for his morning rounds.

How much 401k should I have at 35?
How much 401k should I have at 35?

So, to answer the question, we believe having one to one-and-a-half times your income saved for retirement by age 35 is a reasonable target. It's...

Read More »
What animal is good for the year 2022?
What animal is good for the year 2022?

What animal is it for Chinese New Year? The year of 2022 will be known as the year of the tiger, which is known as the king of all beasts in the...

Read More »
Awaken your dormant DNA ability to attract wealth effortlessly
Awaken your dormant DNA ability to attract wealth effortlessly

The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.

Learn More »
Should we take your money out of the bank 2022?
Should we take your money out of the bank 2022?

There are a lot of better choices than holding cash in 2022. Inflation will deteriorate the value of your savings if you decide to stash your cash...

Read More »
Awaken your dormant DNA ability to attract wealth effortlessly
Awaken your dormant DNA ability to attract wealth effortlessly

The simple yet scientifically proven Wealth DNA method laid out in the report allows you to effortlessly start attracting the wealth and abundance you deserve.

Learn More »
What God says about low self esteem?
What God says about low self esteem?

14. 2 Corinthians 12:9. But he said to me, “My grace is sufficient for you, for my power is made perfect in weakness.” Therefore I will boast all...

Read More »