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Old 08-03-2013, 08:07 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, 04:14 PM   #61
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Originally Posted by patteeu View Post
None of this has anything to do with anything I've said.
You said this "Corporate welfare is the same story. The dependency state that the democrats conceived and continue to advance permeates all aspects of society."

I showed you evidence that is hasn't been only Democrats to conceive and continue it.

That has everything to do with what you said.
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Old 08-04-2013, 04:15 PM   #62
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Originally Posted by Donger View Post
Am I subsidizing all these irresponsible gun owners with my tax dollars?

That's a silly comparison.
Nope, that is not a silly comparison.

It is showing the stupidity of wanting to end something good because a low percentage of people abuse it.
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Old 08-04-2013, 04:16 PM   #63
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Originally Posted by patteeu View Post
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.
No, it is just shoving in your face everything you ignore to even attempt to say that democrats are the only ones to do it.

But please, give one example of Democratic corporate welfare.
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Old 08-04-2013, 04:17 PM   #64
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Originally Posted by Cochise View Post
"Someone in the past did Foolish Action A, therefore any amount of future foolish actions are just fine."
Person A says so so never does this thing.

Person B shows examples of so so doing such a thing.

Person C thinks that is justifying such such actions, when such such actions were never brought up.
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Old 08-04-2013, 04:18 PM   #65
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Originally Posted by Loneiguana View Post
Nope, that is not a silly comparison.
Quit copying me. Although, on second thought, it is the sincerest form of flattery. So thank you for the admiration.
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Old 08-04-2013, 04:19 PM   #66
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Originally Posted by BucEyedPea View Post
Quit copying me. Although, on second thought, it is the sincerest form of flattery. So thank you for the admiration.
I actually go one to example the nope, you just leave it at that.

You should try it my way once.
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Old 08-04-2013, 04:21 PM   #67
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Originally Posted by Loneiguana View Post
No, it is just shoving in your face everything you ignore to even attempt to say that democrats are the only ones to do it.

But please, give one example of Democratic corporate welfare.
I thought that the Democrats recently voted not to cut MAP, no?
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Old 08-04-2013, 04:24 PM   #68
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Originally Posted by Loneiguana View Post
You said this "Corporate welfare is the same story. The dependency state that the democrats conceived and continue to advance permeates all aspects of society."

I showed you evidence that is hasn't been only Democrats to conceive and continue it.

That has everything to do with what you said.
No, it has nothing to do with what I said. I acknowledged that Republicans have been complicit, but this dependency state came from democrats and it's biggest champions continue to be democrats.

And your examples of Republican involvement in corporate "handouts" are pretty pathetic, not just because of the sources you use, but because of the subject matter you choose. I don't agree that the example in your post is corporate welfare, but I don't plan on debating the issue with you because it has nothing to do with anything I've said.
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Old 08-04-2013, 04:24 PM   #69
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Originally Posted by Donger View Post
I thought that the Democrats recently voted not to cut MAP, no?
I tried and and googled MAP with no luck, more information please.
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Old 08-04-2013, 04:27 PM   #70
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Originally Posted by patteeu View Post
No, it has nothing to do with what I said. I acknowledged that Republicans have been complicit, but this dependency state came from democrats and it's biggest champions continue to be democrats.

And your examples of Republican involvement in corporate "handouts" are pretty pathetic, not just because of the sources you use, but because of the subject matter you choose. I don't agree that the example in your post is corporate welfare, but I don't plan on debating the issue with you because it has nothing to do with anything I've said.
You don't feel like debating because you don't have an actual examples to use.

And as usual you will ignore what you don't like.

I bet you couldn't even explain what you mean by dependency state or how you think democrats solely at fault.
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Old 08-04-2013, 04:28 PM   #71
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I tried and and googled MAP with no luck, more information please.
http://www.fas.usda.gov/mos/programs/map.asp
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Old 08-04-2013, 04:30 PM   #72
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Originally Posted by Loneiguana View Post
No, it is just shoving in your face everything you ignore to even attempt to say that democrats are the only ones to do it.

But please, give one example of Democratic corporate welfare.
No, it was clearly an admission and I've never said that democrats are the only ones to build the dependency state. They're just the people who brought it into vogue and continue to be it's biggest champions.
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Old 08-04-2013, 04:30 PM   #73
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You don't feel like debating because you don't have an actual examples to use.

And as usual you will ignore what you don't like.

I bet you couldn't even explain what you mean by dependency state or how you think democrats solely at fault.
You aren't aware that Democrats were responsible for creating Social Security, Medicare, Medicaid, etc.?
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Old 08-04-2013, 04:36 PM   #74
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You aren't aware that Democrats were responsible for creating Social Security, Medicare, Medicaid, etc.?
Yes, what is your point.

Lead me from Social Security -or insuring people have an income through their retirement years - to corporate Welfare. Because that is a big jump.

One is caring for people who don't and can't work anymore, something Eisenhower supported, one is giving money to profitable companies.

One is caring for fellow American's. One is crony capitalism.

So yes, I am having a bit of trouble lumping all that under democratic dependency state.
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Old 08-04-2013, 04:39 PM   #75
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Yes, what is your point.

Lead me from Social Security -or insuring people have an income through their retirement years - to corporate Welfare. Because that is a big jump.

One is caring for people who don't and can't work anymore, something Eisenhower supported, one is giving money to profitable companies.

One is caring for fellow American's. One is crony capitalism.

So yes, I am having a bit of trouble lumping all that under democratic dependency state.
Would you agree that many millions of people are now dependent on Social Security and Medicare in particular?
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