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Old 08-03-2013, 09:07 AM  
Loneiguana Loneiguana is offline
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The face of the GOP's stereotypical "welfare queens"

'I'm working as hard as I can': For the poor, the costs of life can be higher

By Hannah Rappleye, NBC News
PHILADELPHIA -- On some days, Yolanda Williams says she wonders why it痴 so hard to stay alive. 的知 working as hard as I can. Every time I talk to my boss I ask, 選s there any more work?樗

Williams works part-time as a home-health aide so that she can also attend the Kaplan school to study medical billing. For about 17 hours a week of work, at $10 an hour, she takes home about $298 every two weeks, which she uses to support her disabled husband and her 21-year-old daughter, both of whom are unemployed.

的知 trying to go to school so I can get a better job, so I can get off welfare, added Williams, who receives food stamps and Medicaid. 的f that means I have to be on the bus 24 hours a day, I値l do it.

Her weekly toil which includes nearly 30 hours on buses underscores one of the truths of life for the millions of American living with poverty: it痴 expensive to be poor.

Williams and her family live in north Philadelphia. She spends her check only on the essentials: rent, gas and electric, bus passes, a phone. She doesn稚 have cable or internet.

"If you own a home, plus childcare, plus commuting costs you can be well above poverty and still not be able to make ends meet, said Professor Scott Allard, an expert in poverty and the social safety net at University of Chicago. 添ou池e not doing anything wrong. You池e playing by the rules but you池e not making it."

Time is money
The expression 鍍ime is money is especially true for the poor.

Yolanda Williams prepares for her Medical Billing and Coding training class at the Kaplan Career Institute.

Those who earn little have to work long hours to make enough, and often spend more time than the well-off managing the basics of their lives. Not having paid sick days means losing wages when a loved one has a medical emergency, or child care falls through. Not having a washing machine means extra hours at the laundromat. And just getting to and from work can take hours.

Every Monday through Friday, and sometimes on the weekends, Williams leaves home at 7:20 a.m. and takes three public buses to school. She arrives at 9 a.m., and finishes at 2 p.m., sometimes lingering to finish homework. Then she leaves for work, taking three more buses to get to her client痴 home in West Philadelphia.

The trip back to her house means two more buses, and arriving home around 10 p.m.

The 28 hours a week, spent waiting for, or riding, the bus, have become another part-time job. Because the agency that employs her requires she pick up her paycheck in person, she takes another two-hour, round-trip, bus ride every two weeks.

的 pretty much spend most of my time on the bus, Williams said.

If Williams had a car, she could cut her travel time significantly. Low-income individuals and families in desperate need of a car often turn to so-called 澱uy-here-pay-here car dealers, which typically offer high-mileage, used cars and in-house financing to those without good credit. Loans from these outlets carry an average interest rate of 24 percent, according to the Center for Responsible Lending, and the industry is little-regulated.

Health care
Studies show low-income people pay a larger share of their incomes for health care. Low-income workers are less likely to receive employer health insurance, or even sick pay, making a day off more costly. Medical care can quickly become medical debt, which can hound people for years, if not a lifetime.

While public programs like Medicaid and CHIP provide health care for low-income individuals and children, getting enrolled and staying on those programs can be tough. Moreover, many working poor earn too much to qualify for Medicaid, but not enough to purchase coverage.

That痴 what happened to Williams two years ago after she lost her job as a bus driver. On unemployment, she applied for coverage through Philadelphia痴 Health Care Partners, a Medicaid managed care organization. She was told she received too much unemployment income to qualify. When her unemployment benefits ran out, she applied again. A paperwork snafu delayed their enrollment for nearly a year. The delay had real health effects for the couple, both of whom have diabetes, a disease which disproportionately affects low-income people.

展e couldn稚 afford to go to the doctor, she said. 展e didn稚 have medicine. We were under control when we had medical insurance.

Banking also is more expensive for poor people.

About 28.3 percent, or one in four American households, are what the FDIC calls 砥nder or 砥nbanked. Underbanked households use a bank account, but also use alternative financial services, such as payday loans or check-cashing outlets. The unbanked don稚 use any accounts at all.

According to the FDIC, 17 million adults in the U.S. live in unbanked households.

Williams catches a SEPTA bus in the morning on her way to class.
Typically, the un or underbanked are low-income individuals or families. They rely on non-traditional banking services like check-cashing stores that carry fees that can add up to hundreds of dollars a month. Pre-paid debit cards often the only kind of plastic low-income people with poor credit ratings can get -- also carry transaction and card-loading fees.

Williams uses a local check-cashing outlet to get her bi-weekly pay. She's charged a fee each time she cashes a check, but as she explains, why set up a bank or savings account when you can稚 put anything in it?

的 know I work harder than $298, she said. 鉄ometimes I get my check and I feel like crying. I知 not even in a rush to cash it, because you know they take a little bit more out when you cash it.

Williams expects to graduate from her program this November. She痴 confident that her two degrees, plus her experience as a home aid, will land her a full-time job with benefits and a living wage.

展hen we both worked and were bringing home a nice pay, it was simple, Williams said. 展e had a car, we had life insurance, we had car insurance. We had enough to pay the bills with a little something left over.

Now, she added, life is more complicated. 的 don稚 want to be on welfare any longer than I have to, she said.

http://inplainsight.nbcnews.com/_new...be-higher?lite
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Old 08-04-2013, 09:53 AM   #46
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Old 08-04-2013, 10:01 AM   #47
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These are the people that I respect and have no trouble offering a hand too. Anyone working to better themselves and their family deserves a little mentoring, a donated vehicle, or a neighbor saying, "I'll watch your kids after school". Every little bit helps someone that has nothing.
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Old 08-04-2013, 04:45 PM   #48
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Originally Posted by Donger View Post
Sure. Unfortunately, we have created a dependence on government (e.g., Social Security, Medicare, etc.). Once it's created and has dependents, it's very hard to kill it.

How do you feel about the other 10%, who are basically just freeloading bums?
How do you feel about the low percent of gun users who are irresponsible? Should we get rid of all guns because a low percent of people misuse them?
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Old 08-04-2013, 04:47 PM   #49
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Originally Posted by patteeu View Post
Read this:



Corporate welfare is the same story. The dependency state that the democrats conceived and continue to advance permeates all aspects of society.
Republicans are against handouts to corporate America?

You were one of those people asleep during the bush years?

No wait, never mind, you supported that giant give away to defense contractors, so you do support corporate welfare.
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Last edited by Loneiguana; 08-04-2013 at 05:13 PM..
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Old 08-04-2013, 04:49 PM   #50
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Originally Posted by patteeu View Post
Your pictures show how deeply ingrained the democrats' dependency state has become. Heroin dealers could take some lessons.

/wage stagnation has nothing to do with it
Those are republicans, in case you missed it.

And wage stagnation has a lot to do with it.

Want less people living in poverty and thus allowed government benefits, pay them more than poverty level wages.
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Old 08-04-2013, 04:50 PM   #51
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Originally Posted by Loneiguana View Post
Republicans are against handouts to corporate America?

You were one of those people asleep during the bush years?

No wait, never mind, you supported that giant give away to defense contractors, so you do support corporate welfare.
Dumb post.
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Old 08-04-2013, 04:50 PM   #52
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What's that got to do with what us old codgers receiving back what we're deserved?

Anyway, it sounds like you understand the system needs to be overhauled and that's a good thing.
Thats nice but in reality the people currently on Medicare are taking out 3 or 4 times what they ever paid in, on average. These people are the true face of our welfare state.
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Old 08-04-2013, 04:55 PM   #53
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Originally Posted by Loneiguana View Post
How do you feel about the low percent of gun users who are irresponsible? Should we get rid of all guns because a low percent of people misuse them?

No, I believe they should be allowed to shoot anyone taking advantage of welfare.
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Old 08-04-2013, 05:01 PM   #54
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Originally Posted by patteeu View Post
Dumb post.
You should research more before posting.

COALITION OF THE BILLING

Quote:
It's hard to overstate the influence of private contractors on the Iraq War. Starting in 2006, contractors' employees in Iraq outnumbered U.S. troops, a previously unthinkable situation for the American military. By the end of 2008, at the height of the war, there were about 180,000 contractors' employees in the country, providing both military and reconstruction services, and 146,000 U.S. troops.

Contractors helped the U.S. government avoid implementing a draft by keeping troop levels artificially low. But they came with a high price tag. Between 2003 and 2008, Congress estimated that the United States had spent $100 billion on contractors in Iraq, or one dollar out of every five spent on the Iraq War at the time. Today, assuming a conservative estimate of $800 billion spent on the war, at least $160 billion has likely ended up in the coffers of private contractors.
http://www.huffingtonpost.com/2013/0...n_2901100.html

Your boys are just as bad.
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Old 08-04-2013, 05:01 PM   #55
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Thats nice but in reality the people currently on Medicare are taking out 3 or 4 times what they ever paid in, on average. These people are the true face of our welfare state.

Thank you so much for pointing out the reason we should never allow additional social programs to come into existence! You're the best!

Any program like Medicare, after a few years becomes a program that people can't live without since they will not make any other plans to provide health care for themselves in their golden years, knowing that Medicare will be there.

It becomes a necessity fairly quickly.
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Old 08-04-2013, 05:06 PM   #56
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Originally Posted by patteeu View Post
Dumb post.
And of course:

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The Rip-off in Iraq: You Will Not Believe How Low the War Profiteers Have Gone

How is it done? How do you screw the taxpayer for millions, get away with it and then ride off into the sunset with one middle finger extended, the other wrapped around a chilled martini? Ask Earnest O. Robbins -- he knows all about being a successful contractor in Iraq.

...

n October 20th, 2003, you close the deal for $775,000 and start living that private-sector good life.

A few months later, in March 2004, your company magically wins a contract from the Coalition Provisional Authority in Iraq to design and build the Baghdad Police College, a facility that's supposed to house and train at least 4,000 police recruits. But two years and $72 million later, you deliver not a functioning police academy but one of the great engineering cluster****s of all time, a practically useless pile of rubble so badly constructed that its walls and ceilings are literally caked in shit and piss, a result of subpar plumbing in the upper floors.

You've done such a terrible job, in fact, that when auditors from the Special Inspector General for Iraq Reconstruction visit the college in the summer of 2006, their report sounds like something out of one of the Saw movies: "We witnessed a light fixture so full of diluted urine and feces that it would not operate," they write, adding that "the urine was so pervasive that it had permanently stained the ceiling tiles" and that "during our visit, a substance dripped from the ceiling onto an assessment team member's shirt." The final report helpfully includes a photo of a sloppy brown splotch on the outstretched arm of the unlucky auditor.

....

Next thing you know, the congressman is asking you about your company's compensation. Touchy subject -- you've got a "cost-plus" contract, which means you're guaranteed a base-line profit of three percent of your total costs on the deal. The more you spend, the more you make -- and you certainly spent a hell of a lot. But before this milk-faced congressman can even think about suggesting that you give these millions back, you've got to cut him off. "So you won't voluntarily look at this," Van Hollen is mumbling, "and say, given what has happened in this project 窶ヲ "
http://www.alternet.org/story/60950/...eers_have_gone

Yup, there was absolutely no Handouts to Corporate American during a Republican.
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Old 08-04-2013, 05:07 PM   #57
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Originally Posted by Loneiguana View Post
You should research more before posting.

COALITION OF THE BILLING



http://www.huffingtonpost.com/2013/0...n_2901100.html

Your boys are just as bad.
No. My boys aren't anywhere near as bad. But I take note of the fact that you're admitting that your boys are bad and that you're looking for a "but they do it too" excuse.
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Old 08-04-2013, 05:08 PM   #58
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Originally Posted by Loneiguana View Post
How do you feel about the low percent of gun users who are irresponsible? Should we get rid of all guns because a low percent of people misuse them?
Am I subsidizing all these irresponsible gun owners with my tax dollars?

That's a silly comparison.
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Old 08-04-2013, 05:10 PM   #59
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Originally Posted by Loneiguana View Post
And of course:



http://www.alternet.org/story/60950/...eers_have_gone

Yup, there was absolutely no Handouts to Corporate American during a Republican.
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Old 08-04-2013, 05:12 PM   #60
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Originally Posted by Loneiguana View Post
And of course:



http://www.alternet.org/story/60950/...eers_have_gone

Yup, there was absolutely no Handouts to Corporate American during a Republican.
None of this has anything to do with anything I've said.
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