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Old 02-14-2014, 06:05 PM  
petegz28 petegz28 is online now
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28 Signs That The Middle Class Is Heading Towards Extinction

http://www.zerohedge.com/news/2014-0...rds-extinction

Submitted by Michael Snyder of The Economic Collapse blog,

The death of the middle class in America has become so painfully obvious that now even the New York Times is doing stories about it. Millions of middle class jobs have disappeared, incomes are steadily decreasing, the rate of homeownership has declined for eight years in a row and U.S. consumers have accumulated record-setting levels of debt. Being independent is at the heart of what it means to be "middle class", and unfortunately the percentage of Americans that are able to take care of themselves without government assistance continues to decline. In fact, the percentage of Americans that are receiving government assistance is now at an all-time record high. This is not a good thing. Sadly, the number of people on food stamps has increased by nearly 50 percent while Barack Obama has been in the White House, and at this point nearly half the entire country gets money from the government each month. Anyone that tries to tell you that the middle class is going to be "okay" simply has no idea what they are talking about. The following are 28 signs that the middle class is heading toward extinction...

#1 You don't have to ask major U.S. corporations if the middle class is dying. This fact is showing up plain as day in their sales numbers. The following is from a recent New York Times article entitled "The Middle Class Is Steadily Eroding. Just Ask the Business World"...

In Manhattan, the upscale clothing retailer Barneys will replace the bankrupt discounter Loehmann’s, whose Chelsea store closes in a few weeks. Across the country, Olive Garden and Red Lobster restaurants are struggling, while fine-dining chains like Capital Grille are thriving. And at General Electric, the increase in demand for high-end dishwashers and refrigerators dwarfs sales growth of mass-market models.



As politicians and pundits in Washington continue to spar over whether economic inequality is in fact deepening, in corporate America there really is no debate at all. The post-recession reality is that the customer base for businesses that appeal to the middle class is shrinking as the top tier pulls even further away.

#2 Some of the largest retailers in the United States that once thrived by serving the middle class are now steadily dying. Sears and J.C. Penney are both on the verge of bankruptcy, and now we have learned that Radio Shack may be shutting down another 500 stores this year.

#3 Real disposable income in the United States just experienced the largest year over year drop that we have seen since 1974.

#4 Median household income in the United States has fallen for five years in a row.

#5 The rate of homeownership in the United States has fallen for eight years in a row.

#6 In 2008, 53 percent of all Americans considered themselves to be "middle class". In 2014, only 44 percent of all Americans consider themselves to be "middle class".

#7 In 2008, 25 percent of all Americans in the 18 to 29-year-old age bracket considered themselves to be "lower class". In 2014, an astounding 49 percent of them do.

#8 Incredibly, 56 percent of all Americans now have "subprime credit".

#9 Total consumer credit has risen by a whopping 22 percent over the past three years.

#10 The average credit card debt in the United States is $15,279.

#11 The average student loan debt in the United States is $32,250.

#12 The average mortgage debt in the United States is $149,925.

#13 Overall, U.S. consumers are $11,360,000,000,000 in debt.

#14 The U.S. national debt is currently sitting at $17,263,040,455,036.20, and it is being reported that is has grown by $6.666 trillion during the Obama years so far. Most of the burden of servicing that debt is going to fall on the middle class (if the middle class is able to survive that long).

#15 According to the Congressional Budget Office, interest payments on the national debt will nearly quadruple over the next ten years.

#16 Back in 1999, 64.1 percent of all Americans were covered by employment-based health insurance. Today, only 54.9 percent of all Americans are covered by employment-based health insurance.

#17 More Americans than ever find themselves forced to turn to the government for help with health care. At this point, 82.4 million Americans live in a home where at least one person is enrolled in the Medicaid program.

#18 There are 46.5 million Americans that are living in poverty, and the poverty rate in America has been at 15 percent or above for 3 consecutive years. That is the first time that has happened since 1965.

#19 While Barack Obama has been in the White House, the number of Americans on food stamps has gone from 32 million to 47 million.

#20 While Barack Obama has been in the White House, the percentage of working age Americans that are actually working has declined from 60.6 percent to 58.6 percent.

#21 While Barack Obama has been in the White House, the average duration of unemployment in the United States has risen from 19.8 weeks to 37.1 weeks.

#22 Middle-wage jobs accounted for 60 percent of the jobs lost during the last recession, but they have accounted for only 22 percent of the jobs created since then.

#23 It is hard to believe, but an astounding 53 percent of all American workers make less than $30,000 a year in wages.

#24 Approximately one out of every four part-time workers in America is living below the poverty line.

#25 According to the most recent numbers from the U.S. Census Bureau, an all-time record 49.2 percent of all Americans are receiving benefits from at least one government program each month.

#26 The U.S. government has spent an astounding 3.7 trillion dollars on welfare programs over the past five years.

#27 Only 35 percent of all Americans say that they are better off financially than they were a year ago.

#28 Only 19 percent of all Americans believe that the job market is better than it was a year ago.

As if the middle class didn't have enough to deal with, now here comes Obamacare.

As I have written about previously, Obamacare is going to mean higher taxes and much higher health insurance premiums for middle class Americans.

Not only that, but millions of hard working Americans are going to end up losing their jobs or having their hours cut back thanks to Obamacare. For example, a fry cook named Darnell Summers recently told Barack Obama directly that he and his fellow workers "were broken down to part time to avoid paying health insurance"...

And the Congressional Budget Office now says that Obamacare could result in the loss of 2.3 million full-time jobs by 2021.

Several million people will reduce their hours on the job or leave the workforce entirely because of incentives built into President Barack Obama’s health care overhaul, the Congressional Budget Office said Tuesday.



That would mean job losses equal to 2.3 million full-time jobs by 2021, in large part because people would opt to keep their income low to stay eligible for federal health care subsidies or Medicaid, the agency said. It had estimated previously that the law would lead to 800,000 fewer jobs by that year.

But even if we got rid of Obamacare tomorrow that would not solve the problems of the middle class.

The middle class has been shrinking for a very long time, and something dramatic desperately needs to be done.

The numbers that I shared above simply cannot convey the level of suffering that is going on out there on the streets of America today. That is why I also like to share personal stories when I can. Below, I have posted an excerpt from an open letter to Barack Obama that a woman with a Master's degree and 30 years of work experience recently submitted to the Huffington Post. What this formerly middle class lady is having to endure because of this horrible economy is absolutely tragic...

Dear Mr. President,
I write to you today because I have nowhere else to turn. I lost my full time job in September 2012. I have only been able to find part-time employment -- 16 hours each week at $12 per hour -- but I don't work that every week. For the month of December, my net pay was $365. My husband and I now live in an RV at a campground because of my job loss. Our monthly rent is $455 and that doesn't include utilities. We were given this 27-ft. 1983 RV when I lost my job.



This is America today. We have no running water; we use a hose to fill jugs. We have no shower but the campground does. We have a toilet but it only works when the sewer line doesn't freeze -- if it freezes, we use the campground's restrooms. At night, in my bed, when it's cold out, my blanket can freeze to the wall of the RV.



We don't have a stove or an oven, just a microwave, so regular-food cooking is out. Recently we found a small toaster oven on sale so we can bake a little now because eating only microwaved food just wasn't working for us. We don't have a refrigerator, just an icebox (a block of ice cost about $1.89). It keeps things relatively cold. If it's freezing outside, we just put things on the picnic table.

You can read the rest of her incredibly heartbreaking letter right here.

This is not the America that I remember.

What in the world is happening to us?
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Old 02-16-2014, 08:22 PM   #136
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Originally Posted by HonestChieffan View Post
OK..GS makes a ton of money.

If they say left…go left


If they say right go right

Or bitch about GS being profitable and be a brokeass.
Yeah, if it were just that easy. Now you're being a dumb ****. In case you missed it, GS was betting against the investments they were putting people in. Also when AIG went broke and couldn't pay GS, GS whined for few hundred billion of our tax $'s.

I don't think anyone is bitching about GS being profitable. I think everyone is rather pissed they took a gamble and we had to pay for their loss.

So either get your head out of your ass or don't. Your choice.
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Old 02-16-2014, 09:18 PM   #137
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Poor Pete. Even those who want to help you can't.
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Old 02-16-2014, 09:26 PM   #138
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Originally Posted by HonestChieffan View Post
Poor Pete. Even those who want to help you can't.
Sorry if the facts don't line up with your argument.
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Old 02-16-2014, 11:00 PM   #139
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I hate to say it but it is pretty amazing
With something that size, you really don't even have to worry about restocking at all as long as its healthy, something that size should be able to feed you and the wifey almost indefinitely.
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Old 02-17-2014, 07:22 AM   #140
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Maybe the union folks have TVs. If they do I'm sure they see what's happened to Detroit. While the unions can't be blamed for it 100%, I'm pretty sure they own most of the blame. Yeah, and you can assign blame....

As for moving the plant..... Yup, like it or not that's what working hard and owning a "big" business affords you the ability to do. If you don't own it, being picked by those who do to run it is the next best thing. People can hate that paradigm all they want, but it's life.

All the haters have to do is stop whining and make their own car company - kinda like that Mr. Ford guy did. They can call it "The People's Car"! Some German group kinda did the same thing. I'm sure they have all the skills and determination it takes to go from the assembly line to the front office and present a business plan that'll afford them the capital they need to get started. If not, since they're "organized", perhaps they can pool their savings together for this start-up company. And when they get to the front office, they can't pay their people all they want. I'm sure the best people in the industry will want to come their way because this new company will pay better than any other.

The bottom line is that people make choices relative to their sphere of influence. Don't get mad because the fat-cat owner/BOD makes their decisions in a manner that's made to keep the company maximally profitable and grom the business.
Unions don't hold the blame for Detroit. By turn on the T.V. you mean listen to all the lies about unions like that one, eh?

When companies die, blame management, not workers.

And it had to do with healthcare costs, which neither side could control, and making very crappy cars no one wanted to buy, which is on management.

And you must have missed the part where Volkswagen invited the union to come to the plant to help make the best product possible.

It was the GOP who were yelling against it.
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Old 02-17-2014, 07:24 AM   #141
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Don't be ridiculous. Lone has already explained that it was the evil state legislature that fearmongered the workers.

The fact that they already make more than unionized workers had nothing to do with it.
Pay is the only thing unions do and the GOP didn't make threats against the company.

/this is what stupid conservatives believe.
//if pay is already better, why is the GOP so against them?
///because unions offer more than pay... duh
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Old 02-17-2014, 08:17 AM   #142
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Originally Posted by Loneiguana View Post
Pay is the only thing unions do and the GOP didn't make threats against the company.

/this is what stupid conservatives believe.
//if pay is already better, why is the GOP so against them?
///because unions offer more than pay... duh
Are you this worked up about Obama trying to kill the coal industry and its jobs, or projects like the Keystone pipeline that would employ thousands for political gain?
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Old 02-17-2014, 09:29 AM   #143
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Originally Posted by Loneiguana View Post
Pay is the only thing unions do and the GOP didn't make threats against the company.

/this is what stupid conservatives believe.
//if pay is already better, why is the GOP so against them?
///because unions offer more than pay... duh
So you're implying there were many other benefits besides "better pay" (which they already have) that the Union was offering? This is what HCF and I wanted to see. Exactly what other supposed benefits were offered to these employees if they unionize.

http://www.volkswagengroupamerica.co..._benefits.html

Go there and look at the other benefits that are offered. That entire listing matches my "office job" employer almost to the T. MoF, they could have just copied our non-salary benefits exactly, it's extremely comparable.

So these workers make more than their big 3 counterparts, have a non-salary benefits package very similar to mine, which I'm not complaining about at all, and you think the only logical reason they voted down the union was because some GOP boogeyman?

Maybe they wanted to keep that extra 25% they make over their big 3 counterparts and not hand it over to the union.
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Old 02-17-2014, 10:18 AM   #144
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So you're implying there were many other benefits besides "better pay" (which they already have) that the Union was offering? This is what HCF and I wanted to see. Exactly what other supposed benefits were offered to these employees if they unionize.

http://www.volkswagengroupamerica.co..._benefits.html

Go there and look at the other benefits that are offered. That entire listing matches my "office job" employer almost to the T. MoF, they could have just copied our non-salary benefits exactly, it's extremely comparable.

So these workers make more than their big 3 counterparts, have a non-salary benefits package very similar to mine, which I'm not complaining about at all, and you think the only logical reason they voted down the union was because some GOP boogeyman?

Maybe they wanted to keep that extra 25% they make over their big 3 counterparts and not hand it over to the union.
It's 'booger man'.
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Old 02-17-2014, 10:20 AM   #145
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Originally Posted by HonestChieffan View Post
OK..GS makes a ton of money.

If they say left…go left


If they say right go right

Or bitch about GS being profitable and be a brokeass.
Yet another in a long line of examples that show you are a stupid person.
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Old 02-17-2014, 01:01 PM   #146
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Unions don't hold the blame for Detroit. By turn on the T.V. you mean listen to all the lies about unions like that one, eh?

When companies die, blame management, not workers.

And it had to do with healthcare costs, which neither side could control, and making very crappy cars no one wanted to buy, which is on management.

And you must have missed the part where Volkswagen invited the union to come to the plant to help make the best product possible.

It was the GOP who were yelling against it.
Let me guess, you're in a union???
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Old 02-17-2014, 01:11 PM   #147
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Let me guess, you're in a union???
A Union of Fools.
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Old 02-18-2014, 07:59 AM   #148
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Are you this worked up about Obama trying to kill the coal industry and its jobs, or projects like the Keystone pipeline that would employ thousands for political gain?
Obama is trying to kill coal jobs?

You guys love to believe in lies don't you?

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Old 02-18-2014, 08:06 AM   #149
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Originally Posted by Dr. Gigglepants View Post
So you're implying there were many other benefits besides "better pay" (which they already have) that the Union was offering? This is what HCF and I wanted to see. Exactly what other supposed benefits were offered to these employees if they unionize.

http://www.volkswagengroupamerica.co..._benefits.html

Go there and look at the other benefits that are offered. That entire listing matches my "office job" employer almost to the T. MoF, they could have just copied our non-salary benefits exactly, it's extremely comparable.

So these workers make more than their big 3 counterparts, have a non-salary benefits package very similar to mine, which I'm not complaining about at all, and you think the only logical reason they voted down the union was because some GOP boogeyman?

Maybe they wanted to keep that extra 25% they make over their big 3 counterparts and not hand it over to the union.
Yea, its called a representative voice in the workplace where workers get to participate through an election to decide the best course of action and have the security of knowing they cannot be fired without due cause and their job cannot be changed without them having a voice in the change.

Like how they voted not to have union. Be their last vote as a collective workplace to decided on how the workplace should be ran.


Nice to see you have the usual but but union dues.

Well, without those union dues, they don't have access to trained attorney who is there to represent them if needed. Of someone to negotiate for you to the employer so you can focus on working. Or money to pay for training to help keep the workplace safe.

Yea, lots of things besides pay (which include benefits) to join a union.

But I'm sure you are happy not having a Representative voice in your workplace.
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Old 02-18-2014, 08:54 AM   #150
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Obama is trying to kill coal jobs?
Yes. What do you think he's done to promote coal?

P.S. Showing a graph that suggests failure (all too common for this President) doesn't tell us anything about his efforts.
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"I'll see you guys in New York." ISIS Caliph Abu Bakr al-Baghdadi to US military personnel upon his release from US custody at Camp Bucca in Iraq during Obama's first year in office.
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