During the past generation, the American middle-class family that once could count on hard work and fair play to keep itself financially secure had been transformed by economic risk and new realities. Now a pink slip, a bad diagnosis, or a disappearing spouse can reduce a family from solidly middle class to newly poor in a few months.
In just one generation, millions of mothers have gone to work, transforming basic family economics. Scholars, policymakers, and critics of all stripes have debated the social implications of these changes, but few have looked at the side effect: family risk has risen as well. Today’s families have budgeted to the limits of their new two-paycheck status. As a result, they have lost the parachute they once had in times of financial setback – a back-up earner (usually Mom) who could go into the workforce if the primary earner got laid off or fell sick. This “added-worker effect” could support the safety net offered by unemployment insurance or disability insurance to help families weather bad times. But today, a disruption to family fortunes can no longer be made up with extra income from an otherwise-stay-at-home partner.
During the same period, families have been asked to absorb much more risk in their retirement income. Steelworkers, airline employees, and now those in the auto industry are joining millions of families who must worry about interest rates, stock market fluctuation, and the harsh reality that they may outlive their retirement money. For much of the past year, President Bush campaigned to move Social Security to a saving-account model, with retirees trading much or all of their guaranteed payments for payments depending on investment returns. For younger families, the picture is not any better. Both the absolute cost of healthcare and the share of it borne by families have risen – and newly fashionable health-savings plans are spreading from legislative halls to Wal-Mart workers, with much higher deductibles and a large new dose of investment risk for families’ future healthcare. Even demographics are working against the middle class family, as the odds of having a weak elderly parent – and all the attendant need for physical and financial assistance – have jumped eightfold in just one generation.
From the middle-class family perspective, much of this, understandably, looks far less like an opportunity to exercise more financial responsibility, and a good deal more like a frightening acceleration of the wholesale shift of financial risk onto their already overburdened shoulders. The financial fallout has begun, and the political fallout may not be far behind.
【小题1】Today’s double-income families are at greater financial risk in that ________A.the safety net they used to enjoy has disappeared. |
B.their chances of being laid off have greatly increased. |
C.they are more vulnerable to changes in family economics. |
D.they are deprived of unemployment or disability insurance. |
A.a higher sense of security. |
B.less secured payments. |
C.less chance to invest. |
D.a guaranteed future. |
A.help reduce the cost of healthcare. |
B.popularize among the middle class. |
C.compensate for the reduced pensions. |
D.increase the families’ investment risk. |
A.financial risks tend to outweigh political risks. |
B.the middle class may face greater political challenges. |
C.financial problems may bring about political problems. |
D.financial responsibility is an indicator of political status. |
Pretending you’re someone else can make you creative
One great irony(讽刺) about our collective fascination with creativity is that we tend to frame it in uncreative ways. That is to say, most of us marry creativity to our concept of self: We are either “creative” people or we aren’t,without much of a middle ground.
Pillay, a tech businessman and Harvard professor has spent a good part of his career destroying these ideas. Pillay believes that the key to unlocking your creative potential is to dismiss the conventional advice that urges you to “believe in yourself”. In fact, you should do the exact opposite: believe you are someone else.
In a recent column for Harvard Business Review, Pillay pointed to a 2016 study showing the impact of stereotypes(刻板印象)on one’s behavior. The authors, education psychologists Denis Dumas and Kevin Dunbar, divided their collegestudent subjects into three categories, instructing the members of one group to think of themselves as “eccentric(古怪的) poets” and the members of another to imagine they were “rigid librarians”(people in the third category, the control group, were left alone for this part). The researchers then presented participants with 10 ordinary objects,including a fork, a carrot, and a pair of pants, and asked them to come up with as many different uses as possible for each one. Those who were asked to imagine themselves as “eccentric poets” came up with the widest range of ideas for the objects, while those in the “rigid librarian” group had the fewest. Meanwhile, the researchers found only small differences in students’ creativity levels across academic majors—in fact, the physics majors inhabiting(寄生) the personas(伪装的外表) of “eccentric poets” came up with more ideas than the art majors did.
These results, write Dumas and Dunbar, suggest that creativity is not an individual quality, but a “malleable(可塑的) product of context and perspective.” Everyone can be creative, as long as they feel like creative people.
Pillay’s work takes this a step further: He argues that identifying yourself with creativity is less powerful than the creative act of imagining you’re somebody else. This exercise, which he calls “psychological halloweenism”, refers to the conscious action of inhabiting another persona—an inner costuming of the self. It works because it is an act of “conscious unfocus”, a way of positively stimulating the default mode(默认模式) network, a collection of brain regions that spring into action when you’re not focused on a specific task or thought.
Most of us spend too much time worrying about two things: How successful/unsuccessful we are, and how little we’re focusing on the task at hand. The former feeds the latter—an unfocused person is an unsuccessful one, we believe. Thus, we force ourselves into quiet areas, buy noisecanceling headphones, and hate ourselves for taking breaks.
What makes Pillay’s argument stand out is its healthy, forgiving realism: According to him, most people spend nearly half of their days in a state of “unfocus”. This doesn’t make us lazy people—it makes us human. The idea behind psychological halloweenism is: What if we stopped judging ourselves for our mental down time, and instead started using it? Putting this new idea on daydreaming means addressing two problems at once: You’re making yourself more creative, and you’re giving yourself permission to do something you’d otherwise feel guilty about. Imagining yourself in a new situation, or an entirely new identity, never felt so productive.
Title: Pretending you’re someone else can make you creative
Some misleading ideasabout creativity | ●Most of us are |
Dumas and Dunbar’s study | ●One group were asked to think of themselves as “eccentric poets”,another “rigid librarians” and a third ●The level of students’ ●Therefore, creativity is probably a product of context and perspective rather than something |
Pillay’s further study | ●The exercise of “psychological halloweenism” refers to the conscious action of being others by |
The | ●We should start using it instead of stopping judging ourselves for our mental down time.●We have every right to |
The American self-image is spread with the golden glow of opportunity. We think of the United States as a land of unlimited possibility, not so much a classless society but as a place where class is mutable(可变的) -- a place where brains, energy and ambition are what count, not the environment of one’s birth. However, we are not who we think we are.
The Economic Mobility Project, an ambitious research led by Pew Charitable Trusts, looked at the economic fortunes of a large group of families over time, comparing the income of parents in the late 1960s with the income of their children in the late 1990s and early 2000s. Here is the finding: The “rags to riches” story is much more common in Hollywood than on Main Street. Only 6 percent of children born to parents with family income at the very bottom move to the top.
That is right, just 6 percent of children born to parents who ranked in the bottom of the study sample, in terms of income, were able to bootstrap their way into the top. Meanwhile, an incredible 42 percent of children born into that lowest are still stuck at the bottom, having been unable to climb a single rung of the income ladder.
It is noted that even in Britain -- a nation we think of as burdened with a hidebound(顽固的,死板的) class system(阶层体系) -- children who are born poor have a better chance of moving up. When the studies were released, most reporters focused on the finding that African-Americans born to middle-class or upper middle-class families are earning slightly less, in inflation-adjusted(扣除通胀后的) dollars, than did their parents.
One of the studies indicates, in fact, that most of the financial gains white families have made in the past three decades can be attributed to(归功于) the entry of white women into the labor force. This is much less true for African-Americans.
The picture that emerges is of a nation in which, overall, “the current generation of adults is better off than the previous one”, as one of the studies notes.
The median(中值的) income of the families in the sample group was $55,600 in the late 1960s; their children’s median family income was measured at $71,900. However, this rising tide has not lifted all boats equally. The rich have seen far greater income gains than have the poor.
Even more troubling is that our nation of America as the land of opportunity gets little support from the data. Americans move fairly easily up and down the middle rungs(横档) of the ladder, but there is “stickiness at the ends” -- four out of ten children who are born poor will remain poor, and four out of ten who are born rich will stay rich.
【小题1】What did the Economic Mobility Project find in its research?A.Children from low-income families are unable to move up to the top. |
B.Hollywood actors and actresses can get rich easily. |
C.The rags to riches story is more fiction than reality. |
D.The rags to riches story is only true for a small minority of whites. |
A.perfect its self-image as a land of opportunity |
B.have a lower level of upward mobility than Britain |
C.enable African-Americans to earn more than whites |
D.encourage the current generation to work harder than their parents |
A.The US is a land where brains, energy and ambition are what count |
B.Inequality remains between whites and blacks in financial gains. |
C.Middle-class families earn slightly less with inflation considered. |
D.Children in lowest-income families manage to climb a single rung of the ladder. |
A.Social Upward Mobility. | B.Incredible Income Gains. |
C.Inequality in Wealth. | D.America Not Land of Opportunity |
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