Food and Covering

I've long wondered about the passage in 1st Timothy that reads, "If we have food and covering, with these we shall be content."

I was thinking about this a few months ago, mostly because I was wondering why paying my mortgage was always my biggest concern next to food. How can I simply be content with food and clothing? Don't I need a roof over my head, especially in the winter? (That said, the recent heat makes be incredibly thankful for a home with air conditioning as well.)

Then it came to me: I will always have shelter.

Let me give that thought a bit more teeth. Whether a Christian is single or married, with or without a family, if that person is in community, if they are in the fellowship of believers, they should never be worried about shelter. Every Christian should be willing to open their homes to others in need. Perhaps not permanently, but at least for a time. Every Christian should be able to rest in faith that their brothers and sisters would take them in if need be.

If the same situation does not exist for you, something's wrong, either with you or your community.

I'm not saying Christians can be lazy and not work. I'm not saying Christians can just bum off other Christians. But if brothers or sisters fall on hard times, they should never fear being without shelter. Even if they lose their homes due to their own mistakes. (Help them learn from their mistakes.) Even if they lose homes because of sin. (Help them repent and move toward righteousness). A Christian in community should not be left alone in the dark.

Is this really what 1st Timothy 6:8 means? I'm not absolutely sure of that, but it doesn't seem far off. And it has lightened my load considerably for the past few months.

Food taxes? Huh?

One thing I loved about China was the lack of sales tax. Let me be more specific. Although there are taxes on consumer products, these are added into the overall price set by the supermarket or shop. Thus, when you want to buy, say, a notebook for ¥2.5, shampoo for ¥15, cooking oil for ¥27.3, and bread ¥7.2, you will pay exactly ¥52 at the register. It was a great system.

That's one of the reasons I love shopping for food. Ohio, Nebraska, Iowa, Texas: I've lived in all of these places at one time or another. Food = no sales tax. I assumed that's how the US system worked. Articles like this from NPR also seem to take it for granted that food, in general, is a non-taxed item. It makes sense. The most vital resource needed by anyone, rich or poor, is food. There's no reason to stick  it to those in poverty by adding a tax onto the only thing they really need.

Then I moved to Arkansas.

I went about life as usual, assumptions and all. It was near the end of our first week that I noticed an interesting tax record on a receipt:

A recent receipt containing both food and non-food items.

Tax 1 and tax 2? What is that?

After crunching the numbers, it became clear that the 9.750% was the regular state and local sales tax and the 4.750% was the state and local sales tax for food. The state calls this a "reduced state food tax". Meanwhile, Washington county and Fayetteville, just tack on their local sales taxes with no reduction whatsoever. This seems somewhat reprehensible for a state that ranked 45th in per capita income in 2012 and had the 4th highest poverty rate in the US in 2012.

It makes me miss China. I'm sure there were taxes involved in the pricing, but at least we didn't have to think about them. At least we could live life as if those taxes didn't exist.

Do you pay sales tax on food? Do you think states or local governments should charge food taxes?

Trying to make ends meet

Northwest Arkansas is a good place to be, though not without its struggles.

The disparity is obvious.

There are obvious advantages to living in the US generally, and Fayetteville, Arkansas, specifically. I've written some about these before. Clean air is a wonderful thing, as is safer food. Crossing the street in considerably less dangerous. The internet is open (i.e. no Great Firewall of China). Green space is abundant. Fayetteville bike trails are amazing; I can commute by bike without traffic concerns in 35 minutes. Considerably less time is spent driving in Fayetteville than in Texas, so my gas bills are way lower.

But in the US my family will barely scratch by. With government-backed medical coverage for the kids, we'll scratch by.

I've been running numbers through our budget. If we stop spending money from one account, Liao Sha and the kids may be able to go back to China for a month or so toward the end of the summer, but I'm not sure when another opportunity would arise. I think we can save $100 a month toward our next used car. I think we can afford to save $50 for each child each month. After that? Retirement funds? They don't exist.  Toys for the kids? Maybe I could take it out of their savings...

I never thought about problems like these in China. We lived in a developing country, but my job supported a modest, frugal living standard. I had health insurance through my employer, and medical care was (comparatively) cheap even without it; I don't recall ever using it. But in the US, even with employer-sponsored health insurance, we'll pay a not insignificant amount each month, not to mention the high deductible. Thankfully we're in good shape.

In China, we were able to purchase a home (a loan, at least) and make early payments. Money for a down payment on our own home here in the US? I don't know where it will come from, not without selling our home in China, which would feel akin to saying we don't plan to return, especially since the mortgage is being paid by renters. In China we were able to give and lend money to many people and causes, but we'll be hard-pressed to do much of that here.

Then again, I've heard someone say (paraphrased), "It's not giving unless it interrupts your lifestyle."

A pastor at a church we attended last week gave an example of a household with a $70,000 income, and then rhetorically asked what happens when they get a raise to $80,000? His answer: They think they should no live at their $80,000 level. Hearing this, I thought: "Am I among people who think that $70,000 or $80,000 is a normal salary?

I'll never see that much. Nowhere close to that much. Not without major occupational changes.

I didn't go into teaching for a high salary or high standard of living. I didn't go to China for a high salary or high standard of living. It's never really bothered me, and I don't really care about standard of living now. But I've also never before had to face the reality of being almost poor (lower lower middle class) with a family.

This a learning experience like I've never had before. The learning curve is steep, and the margin for error is small. I'm sure I'll learn a lot along the way. Let the good times roll!