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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.

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Old 08-03-2013, 01:03 PM   #16
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The millions of ghetto pigs shitting out bastard future gangbangers who never have, will, or want to work a day in their offensive excuse for lives were apparently unavailable for comment.
Trayvons folks were unavailable as they are in court and working on a book deal and he is perfecting his Issac Hays look for TV
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Old 08-03-2013, 01:16 PM   #17
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The problem is that liberal policies, often assisted by Republican politicians for political reasons, have turned a wide swath of America into government dependents to one degree or another even for those who work a full time job.
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Old 08-03-2013, 01:54 PM   #18
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I can't find the passages in the New Testament where Christ addresses tax policy and tells us that GOVERNMENT must take care of the poor. Can you help a guy out?
Most liberals don't know anything about him and they certainly dont attend church or ever read a Bible. Many think he never existed. They only break him out when they want to talk about poverty. THEN, the supposed great wise leader becomes real for them.
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Old 08-03-2013, 02:37 PM   #19
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Originally Posted by patteeu View Post
The problem is that liberal policies, often assisted by Republican politicians for political reasons, have turned a wide swath of America into government dependents to one degree or another even for those who work a full time job.
Yep. Many of them don't even recognize their own dependence on government benefits, particularly people using Medicare which, more than anything else, is driving out of control spending and our long term debt problem.
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Old 08-03-2013, 02:56 PM   #20
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Yep. Many of them don't even recognize their own dependence on government benefits, particularly people using Medicare which, more than anything else, is driving out of control spending and our long term debt problem.
Agree!
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Old 08-03-2013, 03:08 PM   #21
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This woman is working her ass off. Not what I'd call a welfare queen. But...whatever.
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Old 08-03-2013, 04:07 PM   #22
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I am wondering why no one has commented on the details of her situation.
Yes she is working her ass off to better herself but let's look further...

She is supporting a"disabled" husband and a 21 year old daughter. Without all the details I'll give a pass on the husband but no excuse on the daughter.

The other important factor here is that she works 17 hours a WEEK. I work that most DAYS. She has chosen the short term suffering to get an education and better herself long term. Good for her but don't bitch about only making enough to scrape by when you barely have time to work because of a CHOICE you made. That's life.

NO ONE would classify her as a welfare queen. She is scraping by and getting help while she works herself out of her current situation. I have no problem with govt assistance programs being tied into education so that as long as you are actively working to move up.
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Old 08-03-2013, 07:33 PM   #23
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Originally Posted by AustinChief View Post
I am wondering why no one has commented on the details of her situation.
Yes she is working her ass off to better herself but let's look further...

She is supporting a"disabled" husband and a 21 year old daughter. Without all the details I'll give a pass on the husband but no excuse on the daughter.

The other important factor here is that she works 17 hours a WEEK. I work that most DAYS. She has chosen the short term suffering to get an education and better herself long term. Good for her but don't bitch about only making enough to scrape by when you barely have time to work because of a CHOICE you made. That's life.

NO ONE would classify her as a welfare queen. She is scraping by and getting help while she works herself out of her current situation. I have no problem with govt assistance programs being tied into education so that as long as you are actively working to move up.
I find the people who claim to work 80+ hours per week vastly outnumber the people who actually do.

I'm not saying you ARE lying, but really? That means you spend less than 60 hours per week on the rest of your life, assuming you sleep merely 4 hours per night. So on the average work day you have about 7 hours total to spend with your family, bathe, eat, feed the dog, whatever. Also it's assuming you have no lunch break at work, or that you are counting that time as 'work'. Then there's the drive to and from work unless you are operating from home.

Seriously... if you work that much routinely and are not a millionaire, I have no idea what the hell is wrong with you. A guy could take that time and learn a number of ways to make money in this country. Christ I know a guy who made millions simply by flipping $1000 dollar cars for 1500 bucks with that much time. I mean I'm assuming you work for yourself and make a damn fine mint. Otherwise you're getting screwed.
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Old 08-03-2013, 08:30 PM   #24
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I find the people who claim to work 80+ hours per week vastly outnumber the people who actually do.

I'm not saying you ARE lying, but really? That means you spend less than 60 hours per week on the rest of your life, assuming you sleep merely 4 hours per night. So on the average work day you have about 7 hours total to spend with your family, bathe, eat, feed the dog, whatever. Also it's assuming you have no lunch break at work, or that you are counting that time as 'work'. Then there's the drive to and from work unless you are operating from home.
I work for myself, sleep an average of 6 hours a night, have no family and eat a majority of meals while working. I'd say a truly accurate number for hours per week would be 75 hours. Some days I will work 20 hours straight some days considerably less.

When I was a corporate IT director there would be times I pulled all nighters but for the most part I was probably averaging 60 hour weeks tops.

The problem is how you define "work." Only about half of work is invoicable work for clients. The other half is work on projects of my own.

All of this has nothing to do with the POINT of my statement which is to say ... if you only work 17 hours a week you aren't going to earn a living wage. No one seems to have picked up on that aspect of the story.
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Old 08-03-2013, 08:36 PM   #25
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. 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".
People that were responsible enough not to have kids shouldn't get anything. In fact, they should have to pay more for other peoples kids than they already do. Parents always deserve the money more than the single people who earned it
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Old 08-03-2013, 09:32 PM   #26
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All of this has nothing to do with the POINT of my statement which is to say ... if you only work 17 hours a week you aren't going to earn a living wage. No one seems to have picked up on that aspect of the story.
I agree with your point.

However, I don't know if you read the whole story or just the bolded parts? Since she doesn't have a car, she spends 30 hours a week on the bus and she has been asking her boss for more work. Plus, she's taking classes and not subscribed to CATV or the internet.

At least she's trying. She's not on her ass watching Oprah and complaining.

Should she look for a different job? Probably.
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Old 08-03-2013, 09:39 PM   #27
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I agree with your point.

However, I don't know if you read the whole story or just the bolded parts? Since she doesn't have a car, she spends 30 hours a week on the bus and she has been asking her boss for more work. Plus, she's taking classes and not subscribed to CATV or the internet.

At least she's trying. She's not on her ass watching Oprah and complaining.

Should she look for a different job? Probably.
No I agree. I read it all and commend her for her choices. BUT it's still her choice to suffer now so she can have a better future.

NOTHING about the article has anything to do with "welfare queens" except that she accepts govt assistance which has as much to do with her disabled husband and deadbeat daughter as it does with her.

This is a rare case and not even close to indicative of even the "working poor."
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Old 08-03-2013, 09:46 PM   #28
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No I agree. I read it all and commend her for her choices. BUT it's still her choice to suffer now so she can have a better future.

NOTHING about the article has anything to do with "welfare queens" except that she accepts govt assistance which has as much to do with her disabled husband and deadbeat daughter as it does with her.

This is a rare case and not even close to indicative of even the "working poor."
I see what you're saying and agree.

And I agree that the daughter is a deadbeat. Bitch could at least turn a couple tricks and help out!
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Old 08-03-2013, 10:15 PM   #29
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I see what you're saying and agree.

And I agree that the daughter is a deadbeat. Bitch could at least turn a couple tricks and help out!
So could the mom, could pay for her school instead of being a free loading waste of oxygen.
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Old 08-03-2013, 11:00 PM   #30
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No comment from Loneiguana on the strawman argument he sets up here?
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