February 20, 2000  NYT

        Homeless on $50,000 a Year in Luxuriant Silicon Valley

        By EVELYN NIEVES

            SAN JOSE, Calif., Feb. 15 -- It is long past
            midnight as the No. 22 bus lumbers down the spine
        of Silicon Valley carrying 12 passengers with nowhere
        to go.

        The bus rolls past $1 million, three-bedroom ranches
        on quarter-acre lots, driveways where Range Rovers
        are the second car, towns where millionaires are
        minted every day. The passengers keep their eyes shut,
        or on the floor.

        They have two hours to catch a bumpy nap before the
        No. 22, the only bus in the valley that runs 24 hours a
        day, finishes its 26-mile circuit from here to Menlo
        Park and back. Then they must get off and wait 10 or 15
        minutes before they can climb aboard again, using their
        $3 all-day pass for another two-hour run on the bus
        known these days, these hours, as "the rolling hotel."

        Most of them work full time. One is a cashier at a toy
        store. Another works at a box factory. Another says he
        juggles three part-time jobs. But in the dot-com land of
        milk and honey, where the median family income,
        $82,000, is the highest in the nation (and an average of
        63 people hit the millionaire mark every day), nontech
        jobs just do not pay the rent.

        With all the new money floating around, the most
        expensive housing market in the country and the densest
        concentration of investment capital in the world, there
        is no other place in the country that offers a starker
        example of the growing gap between the rich and poor.

        Stock option millionaires bid on houses as though they
        were buying Van Goghs. A four-bedroom contemporary
        in Palo Alto, for example, that was priced at $2.2
        million sold for $3.2 million, while a one-bedroom
        cottage listed at $495,000 sold for $750,000.

        At the same time, more and more working people are
        becoming homeless: 34 percent of the estimated
        20,000, homeless people in Santa Clara County in 1999
        had full-time jobs, up from 25 percent in 1995. And
        those figures fail to count the growing number of
        families doubled up in single apartments, or paying
        $400 a month to live in a garage or to sleep on a
        stranger's living-room floor.

        And it is not just the minimum-wage earner who is
        scrambling to survive here. More teachers, police
        officers, firefighters, commissioned salespeople -- all
        people who make more than $50,000 a year and would
        be comfortably middle-class in many other places --
        are seeking the services of area homeless shelters.

        In Silicon Valley, "poor" means a family of four
        scraping by on $53,100 a year or an individual earning
        less than $37,200, federal housing officials say. No
        wonder, then, that even some high-tech workers, those
        in the entry-level jobs, end up on the church soup lines.

        "Over the last five years, we have seen a sharp
        increase in the number of families and working poor
        who become homeless almost exclusively due to the
        outrageous cost of housing in Silicon Valley," said Jan
        Bernstein, a spokeswoman for InnVision, a nonprofit
        group here that provides 300 shelter beds and serves
        850 meals a day to the needy.

        "More than half the people staying in the shelter are
        employed," Ms. Bernstein, said. "They lose their
        housing first, then try to hang onto their job."

        At the richest time in the richest region in the richest
        nation in the world, less than 30 percent of the
        households here can afford to buy a house.

        The median price for a house in Silicon Valley,
        $410,000, is more than twice that for the rest of the
        country. Renting is increasingly out of range for the
        average worker as well. Two out of five valley
        residents cannot afford to rent the average
        two-bedroom apartment, which is about $1,700.

        Even studios in inferior neighborhoods cost more than
        1,000 a month, and that does not include the three
        months' rent landlords typically ask to secure an
        apartment.

        With waiting time for subsidized housing up to several
        years, the situation will only get worse, housing
        officials say. Indeed, the housing burden is the main
        reason why more people are leaving Silicon Valley
        these days than arriving, according to the state's
        Department of Finance.

        For people who are not rich in Silicon Valley, getting
        sick or laid off or losing a second income means
        catastrophe. Tammy Morales, a $15-an-hour dental
        assistant with two teenagers and a 6-month-old,
        discovered that when she and her husband separated
        two months ago. The rent on her two-bedroom
        apartment in Campbell, a suburb bordering San Jose, is
        $1,425, impossible to manage on her salary, with her
        family's needs.

        Five days after she missed paying her rent, she
        received an eviction notice.

        "I've always worked and have never asked for help,"
        said Ms. Morales, who had her first child when she
        was 15. "But I never thought I wouldn't be able to
        afford to live where I've lived all my life."

        The apartment hunting is not going well. Weeks tick on,
        and all she has found for the $1,100 a month she can
        barely afford is a one-bedroom walk-up in a falling
        down building in south San Jose, the neighborhood she
        knew growing up as the bad side of town.

        "It's getting ridiculous," Ms. Morales said. "My friend's
        father has a house for rent here. He was asking $1,800,
        and he is getting calls from people offering twice that
        much, without even seeing it."

        Ms. Morales received a one-time $700 check last
        month from the Sacred Heart Community Service in San
        Jose, which offers emergency housing assistance,
        meals, job training, counseling, clothes and other
        services to help those who are homeless or on the
        verge. More and more, the Sacred Heart Community
        Service helps clients who come from the ranks of
        people who would be doing fine in another part of the
        country, said Barbara Zahner, the executive director.

        "People are earning more than they did 10 years ago,"
        Ms. Zahner said, "but they're spending 80 percent of
        their income on housing. Food becomes a discretionary
        item. We call them the invisible working poor. Their
        jobs are not likely to have stock options."

        Poor immigrants who have long made San Jose a portal
        to the American dream have fared the worst. Many of
        the valley's landscapers, construction workers and
        fast-food workers are homeless, according to advocacy
        organizations that help them. Or, they live in such
        terrible conditions -- 26 men to a house, each paying
        $400, for example -- that they are arguably as bad off
        as if they were homeless.

        "Here, most people are in service-related jobs --
        McDonald's, gardening and that kind of thing," said the
        Rev. Steven P. Brown, the pastor of Our Lady Star of
        the Sea Catholic Church in Alviso, a small community
        near here.

        "They're probably some of the hardest-working people
        I've seen," Mr. Brown said. "But many with two or
        three jobs are barely making it." So, in many cases, he
        said, immigrant families share houses.

        Maria Perez, 34, is one of the lucky ones. She came
        here nine years ago from rural Mexico thinking she and
        her husband, a landscaper, would make lots of money
        and live in a house with a yard, as she saw on
        American television. Instead, for almost eight years,
        until she became pregnant with her second child, she
        and her husband lived in rooms in other people's
        apartments. A year and a half ago, when she gave birth,
        they moved into an $1,100-a-month two-bedroom
        apartment, a bargain by valley standards.

        "I say to my husband, you and me are very lucky," said
        Ms. Perez, who learned English at Sacred Heart
        Community Service. Now she is a full-time day care
        assistant at Sacred Heart, making $300 a week. "I pay
        half of it to the baby sitter," she said. "Sometimes my
        daughter says, 'Mommy, it's not fair. How come people
        here have cute houses and we don't? How come other
        people have cars and we don't?' I say, 'Because we are
        poor and they are rich, and that's the way it is here.' "

        It is hard not to notice the Ferraris and Mercedeses all
        over the valley these days, and the columned mansions
        with swimming pools that take up virtually whole
        backyards. The homeless passengers waiting at 2 a.m.
        the other day for the No. 22 bus spent a good deal of
        time chatting all about the haves shoving their wealth in
        the faces of the have-nots.

        "This is where all the millionaires and billionaires
        live," said a 63-year-old woman in a cowboy hat who
        called herself Cowboy Luna. "I don't understand how
        they can't help the people who can't afford the rent. The
        people who are on this bus can't afford the rent."

        She turned to a sad-looking young man carrying a
        backpack. He had been laid off from his job, Cowboy
        Luna whispered. To him, she said: "Right, the people
        on this bus just can't afford the rent in this crazy place?"

        He nodded. "And some of us," he said, "never will."

------------------------------

February 20, 2000

        Whatever Happened to the Class of '93?

        By LESLIE KAUFMAN

            PALO ALTO, Calif. -- In the fall of 1995, two
            years after graduating from Stanford University,
        Diane Barrum received a call from her sophomore
        roommate, Srinija Srinivasan, asking her to join a
        company recently founded by two other young Stanford
        alumni, Jerry Yang and David Filo. The deal was this:
        In exchange for 18-hour days, grinding away in
        overcrowded conditions, Barrum would get in early on
        a hot phenomenon called the Internet. But Barrum,
        happily employed by a biotechnology company based
        in Seattle, said, "I just was not ready to take the risk."

        Barrum, as it happens,
        turned down the chance
        to be employee No. 30 at
        Yahoo, the wildly
        successful Internet
        portal, or gateway,
        which has a current
        market value of about
        $82 billion. Now she is
        back in Palo Alto and,
        after a hiatus of traveling
        and joblessness, has
        recently joined an
        Internet start-up, too. "Of
        course, I wish I'd taken
        it," she said of the Yahoo
        job. "One can only
        imagine what I'd be
        worth."

        Such tales of quick
        riches and missed
        opportunities can be
        heard in many places
        these days, among
        people of all ages. But
        probably nowhere else
        was the swift,
        unexpected divergence of fortunes thrown into such
        stark relief as among Barrum and her peers in the
        Stanford undergraduate class of 1993, who burst on the
        scene just as the World Wide Web was coming into its
        own.

        Of course, only a small percentage of recent college
        graduates have become Internet millionaires. But there
        are enough from elite universities, like Harvard, MIT
        and Stanford, that they are influential far beyond their
        numbers. A look at a sampling from this one Stanford
        class -- among the earliest to have so many success
        stories -- makes this phenomenon clear.

        The university says it does not track the wealth of its
        alumni, but school officials acknowledge that many in
        the class of '93 have become wealthy unusually early. It
        includes five of the six founders of the Internet portal
        Excite (now Excite(at)Home); three founders of the
        online retailer of sporting goods, FogDog; one of the
        first employees of Yahoo; a pioneer of Trilogy
        Software; and a top executive with LinkShare. Many of
        these 20-somethings are now worth tens of millions of
        dollars, if not more. When the class gathered in 1998, it
        donated $163,000, then the largest class gift for a
        five-year reunion -- only to be surpassed last year by
        the Internet-rich class of '94.

        In part, these technology Wunderkinder strike a chord
        with their peers because they have achieved the dual
        aspirations that have defined Generation X: being
        passionate about work and free from authority. But their
        existence has also raised the whole generation's visions
        of early wealth and, for some, served as a nagging
        reminder of what might have been.

        "This generation has
        made its money so
        young that it is almost
        unnatural," said Alan
        Wolfe, a sociologist
        who heads the Center
        for Religion and
        American Public Life
        at Boston College.
        "Whether you are
        repelled by these young
        millionaires or
        attracted by them, they
        cannot be ignored. In
        that sense they are icons for their peers."

        Stanford, in the heart of Silicon Valley, has turned out a
        disproportionately large number of Web superstars.
        With top-rated programs in science and engineering --
        and almost 9 out of 10 undergraduates taking at least
        one computer course -- the palm-lined, mission-style
        campus in Palo Alto has been ground zero for the
        high-technology boom.

        The members of the class of '93, like Srinivasan and
        Barrum, have seen their fates spun wildly apart by the
        Internet -- not so much because of any particular
        differences in cleverness or ambition, but because
        some of them happened to be very well placed as the
        transformation began.

        Jim Hennessey, the school's provost and former dean of
        the engineering school, noted that 1993 was "right on
        the cusp of the Internet explosion." Like others on the
        Stanford faculty, he is acutely aware that the success of
        the Internet has ushered in a new era of student life.

        On its statistical face, the Stanford class of 1993 was
        almost indistinguishable from its predecessors. It was
        split roughly 50-50 between men and women; about 7
        percent of the class were African-American; 17 percent
        were Asian-American. Students' majors were not
        particularly skewed toward technology. Of the 1,730
        degrees conferred, 6.6 percent were in engineering, 10
        percent were in economics and 16.7 percent in biology
        or human biology.

        But the more forward-looking graduates were ideally
        positioned for the Internet economy. Not only had they
        been exposed to many new technologies -- e-mail was
        nearly universal among Stanford undergraduates by
        1992, as were experimental high-speed
        telecommunications lines -- but they also were entering
        the working world well before the Internet sector was
        swamped with start-ups.

        Rich alumni are nothing new for the university that
        graduated William Hewlett and David Packard (class
        of '34), the founders of one of Silicon Valley's first
        high-technology businesses. But not so long ago,
        Stanford graduates expected success to take time.

        Herrant Katchadourian, a sociologist, is tracking an
        earlier Stanford class, from 1981. In his book, "The
        Cream of the Crop," graduates at their 10-year reunion
        reported widespread contentment with their salaries,
        which averaged $54,000, roughly $18,000 above the
        average then for college graduates. Many said proudly
        they expected to earn as much as $1 million a year -- 10
        to 15 years down the road. Perhaps when he revisits
        them next year at their 20-year anniversary for a new
        book, he will not find them so sanguine.

                                  But the Internet has
                                  given the class of '93
                                  and its successors a far
                                  different timetable --
                                  and even greater
                                  ambitions. Consider
                                  Krista Rollins, 27, a
                                  1993 graduate who is
                                  now vice president for
                                  communications at
                                  Trilogy Software,
                                  based in Austin, Texas.
                                  She once thought that
                                  her biggest career
                                  concerns would be
                                  salary, title and the
                                  number of people she
        managed, but her idea of success has changed. "It used
        to be much more about the long term," she said. "Now it
        is about how to become very successful in the next
        three or four years." By her mid-30s, or 40 at the latest,
        Rollins hopes to be "very financially independent" --
        that is, rich enough to quit.

        The Stanford faculty has noted the changing culture with
        mixed emotions. James Montoya, vice provost for
        student affairs, has sensed the acceleration in the
        student life cycle since the early '90s, as
        undergraduates have moved to "Internet time."

        "It used to be 'I'll get out of school and travel and see
        the world before I settle down,"' he said. "But what I
        hear now is 'This is the time to join a start-up, before I
        get old and have responsibilities, like a family."'

        Needless to say, not every member of the class of '93
        shares this computer-industry intensity about striking it
        rich. According to a class survey for the five-year
        reunion, some 12 percent called high technology
        (separate from engineering) their field of endeavor -- a
        big proportion, compared with most universities. But
        plenty of other graduates were still in medical training
        or had begun other careers, while some were taking
        time off to raise children. Still, the existence of such
        sharply divergent paths has made young graduates feel
        like players in some sort of modern lottery.

        THE PROGRAMMER: A Physics Major Makes
        Good

        Graham F. Spencer came to Stanford in 1989 with the
        intention of becoming a physics major, but he was
        drawn more to computers. After finishing school, he
        formed a company with five college friends to build a
        software navigator for the newly emerging Web.
        Spencer, whose major was computer science, is now
        acknowledged as the programming genius behind the
        portal known as Excite.

        In the lean first years, he worked 80-hour weeks,
        getting by on beans and rice. But before the company's
        initial public offering in 1997, Spencer netted 600,000
        shares of Excite stock; his stake would be worth $64
        million at the time that the company merged with At
        Home in January 1999.

        "Do I deserve the money I have? I struggle with that a
        lot," the soft-spoken Spencer said. "On some level, I'd
        like to believe I have certain skills that have made me
        successful. But how can being a little more competent
        at computer science make you so much richer?"

        He describes himself as "anti-ostentatious," saying he
        does not go in for "three cars a year and champagne."
        He and his fiancee own a cozy new home in Palo Alto.
        In this money-flooded valley, of course, plain-vanilla
        dwellings can run $1 million, but this is no gizmo-filled
        palace; it is cramped enough that the dining table
        occupies part of the living room.

        His great indulgence has been travel -- weekend trips
        to Vail, Colo., to snowboard, or to Hawaii to surf.
        Recently, he and his fiancee took a two-week trip to
        Italy, often staying in $500-a-night rooms on the Amalfi
        coast. He also works at home whenever he feels like it,
        padding around the house in his stocking feet and
        keeping his Siamese cat company.

        Despite his low-key
        lifestyle, Spencer
        acknowledges that
        money has altered his
        relationships with
        peers. He met his
        fiancee at Excite and
        said it made a
        difference to both of
        them that she had her
        own substantial stock
        holdings and had
        "earned" her right to
        partake of the lush life.

        By contrast, after his hometown newspaper in
        Columbia, S.C., splashed his net worth across the front
        page last year, high school friends, he said, started
        treating him "like some sort of billionaire, which I am
        definitely not."

        Spencer plans to retire by the age of 40; in the
        meantime, he wants to get a better sense of how to live
        without organizing all his time around work. "I hope I
        get more comfortable with spending money," he said
        wistfully. "The problem is that the only people I know
        well who have this kind of money are like me -- they
        just got it. None of us knows what we want to do with it
        yet."

        It is almost as if Spencer is waiting around for
        legitimacy. He has sold less than 5 percent of his stock
        and still puts in long hours at Excite as a kind of
        superprogrammer. While he says he is "basically a
        volunteer" -- meaning that he does not have to work if
        he does not want to -- he says he feels inextricably tied
        to the long-term success of the company.

        "I deliberately try not to keep score on my own net
        worth, because that is gross at some level," he said. "I
        want to feel that we've built something sustainable,
        something great."

        THE E-RETAILER: Lots of Money But No Dates

        At 27, Robert Chea, founder of FogDog, does not look
        a day over 19 but has the poise of a 50-year-old chief
        executive. As the son of Cambodian immigrants who
        struggled to put him through school, Chea felt he had to
        be rich. "I'd be disappointed in myself," he said, "if I
        did not make a lot of money." But even as a sophomore
        in college, Chea wanted more than a fat bank account.
        He wanted autonomy.

        Then, he remembers, his concept of success came from
        an AT&T commercial. The advertisement, which aimed
        to showcase the liberating power of the company's
        digital technologies, showed futuristic scenes of people
        receiving faxes in huts on tropical islands. "That was
        my measure of success," he said, "to be at a level
        where I had enough free time to sit on the beach, but
        was still connected to the rest of the world."

        The path to controlling his destiny almost eluded him.
        He arrived at Stanford in 1989, interested in
        philosophy and archaeology. But his mother nudged him
        toward electrical engineering. Upon graduating, he
        applied to law school, thinking that he would pursue a
        career as a patent lawyer. But through a classmate's
        father, Chea got caught up in showing sporting-goods
        makers how to use the Internet and eventually formed
        the company that would become FogDog.

        Chea, by his own accounting, has worked terrifically
        long hours seven days a week for five years. But the
        results are clear. Last fall, FogDog moved its
        headquarters from a nondescript, cramped office park
        outside San Jose, , to a glorious, light-filled loft near
        Redwood City, complete with stainless-steel fixtures
        and blond wood desks. It is the sort of office that
        Heather Locklear, the "Melrose Place" diva, would
        inhabit if she ever signed up to do a sitcom about being
        chief executive of an Internet start-up. Chea owns 1.15
        million shares of FogDog, which went public in
        December. The shares are now worth $10.25 apiece,
        making his stake worth $11.8 million.

        There have been personal costs. In his five-year class
        reunion book, for example, Chea said only half-jokingly
        that he had not had a date in five years. "It's by choice
        dammit," he wrote. At a recent birthday party, his
        friend Andy Chen, FogDog's co-founder, felt so bad for
        Chea that he invited all 70 employees to write down
        names of date possibilities in the form of a classified
        ad, letting Chea choose three.

        Chea no longer has any desire to live on a tropical
        island and talk to his officemates -- essentially his
        whole social universe -- by phone. And he has less
        desire to absent himself from the technology culture that
        so enthralls him. "I can't imagine what it would be
        like," he said, "to be a lawyer and hear about the
        Internet all the time and not get to participate in it."

        THE NONCONFORMIST: Looking Beyond The
        Internet Life

        While the potential of the Internet economy has dazzled
        many graduates, it has left a distinct minority of the
        1993 class feeling nonplused -- and left out.

                                  In another time, San
                                  Francisco might have
                                  seemed like a slice of
                                  paradise to Elaine
                                  Romanelli, a music
                                  major who prides
                                  herself on spontaneity
                                  and artistic aspirations.

                                  But the Bay Area
                                  landscape has changed
                                  greatly since the 1970s,
                                  when Stanford was a
        center of radical student protest and San Francisco a
        mecca of counterculture.

        Romanelli misses being part of a generation that
        followed its heart, regardless of money. She has tried
        hard to hold on and recreate a bit of that spirit. Her
        work life since college has included being a co-founder
        of a business that provided "haikus on demand" (two
        for a dollar) and quitting a respectable job in marketing
        to try her hand at professional singing. She lives in a
        dilapidated Victorian house in the grittier South End of
        San Francisco and frequents a local cafe that is a
        sympathetic home to creative types.

        Still, as a Stanford graduate living in San Francisco,
        she has not been able to avoid the Web rat race. "The
        Internet is a pervasive presence here," she said. "Many,
        many jobs are Web-based, and e-commerce just sort of
        permeates everything."

        Romanelli is a petite woman with delicate features, and
        her eyes flash when she is asked about the Stanford
        stars of the moment. She is far from worshipful. "The
        thing that gets to me," she said, "is that the people
        getting wealthy are young, single boys." In previous
        generations, she said, real wealth could take decades to
        accumulate, but her peers "don't have coping tools" for
        the vast sums they are now able to spend.

        "They are getting rich and spending their money on
        'supersoakers"' -- as exceedingly expensive toys like
        Jaguars and automated houses are known in the
        parlance of Silicon Valley. "They don't have a sense of
        philanthropy or giving back to the community -- or any
        community outside of work."

        The expansion of the Web leaves Romanelli cold, even
        a little indignant. "A society of people who write to
        each other solely by computer is not my idea of utopia,"
        she said. She has watched friends and classmates
        devote themselves to Internet start-ups, and she
        believes their lives are too narrow.

        "There is an insane amount of money, but also an insane
        amount of work. It is like slave labor." The computer,
        she said, "was supposed to facilitate life; out here, it
        has worked the other way around."

        THE WEB EDITOR: Feeling Fulfilled In Love of
        Work

        Despite the financial gulf that separates Srinivasan,
        who joined Yahoo, and Barrum, who did not, they
        remain comfortable friends. There is no animosity or
        visible jealousy, just a tacit acceptance of changed
        circumstances. For a dinner of take-out Indian,
        Srinivasan pays and Barrum picks it up.

        It helps that, like many other young Stanford
        millionaires, Srinivasan, who had an interdisciplinary
        major called symbolic systems, eschews aggressive
        displays of wealth. She lives in a loft-style duplex in
        one of the least fancy areas of Palo Alto, among
        graduate students and Internet worker bees. She dresses
        in print skirts with matching pastel T-shirts, a low-cost
        uniform of working women everywhere.

        When she and Barrum, who majored in human biology,
        spread out on the tan sofas in her living room to chat,
        they talk about family (both are close to their parents),
        about friends from college and about eventually
        juggling careers with children (both are single). When
        it comes to money, both acknowledge they are more
        than a little stunned at the turns of fate. "Don't get me
        wrong -- Srinija has worked very hard and I always
        knew she would be successful at something," Barrum
        said. "But I never thought she'd be a big deal at a
        company at age 28, and she did not either."

        Srinivasan, who as the fifth employee at Yahoo is
        probably worth tens of millions (she will not say),
        concedes that her sudden wealth has taken her by
        surprise.

        "I've worked hard and I don't think I am dumb and I am
        deeply passionate about my work," she said. "But in no
        way has my effort been proportionately rewarded.
        Emotionally, that is something you have to come to
        terms with."

        She considers herself successful, not because of what
        she is worth, she said, but because she loves what she
        does. As vice president and editor in chief of Yahoo,
        she leads a team that sorts the ever-expanding
        constellation of Web sites into categories that will
        make sense to subscribers. When tough calls arise at
        work -- like whether messianic Jews should be listed
        under Judaism or Christianity -- she has stomachaches
        that keep her awake at night.

        "I honestly spend my days in ways that I feel are
        engaging, compelling and fulfilling and rewarding," she
        said.

        Barrum nods at her friend's words. "When I was living
        away from Palo Alto, I felt there was all this
        excitement going on here and all these young people
        having a real effect on so many companies," she said. "I
        felt I was missing out. I came back not for the money,
        but for the excitement."

        Still, she adds that living life in the Internet center, it is
        difficult to be 28 and not yet a success without
        occasionally feeling uneasy. "You can't deny that
        knowing people who have gotten wealthy changes your
        perspective on some things," Barrum said. "I feel like I
        am falling behind in the race to buy a house, a race to
        achieve monetary goals."

        Will she have another shot at Internet riches? "Yahoo is
        not going to slip into the ocean," she said, "but it is not
        going to make a lot of millionaires anymore."