Monday, June 30, 2014
Tuesday, June 10, 2014
'Welfare For Life' Is a Myth
It is often said that there are "too many people on welfare their whole lives."
The fact is, however, that this notion is a total myth perpetrated by those who are ignorant to the realities of poverty in America today.
Often, willfully ignorant at that. The issues of poverty can be complicated enough, but there will never be any solutions so long as there are people who choose to be prejudiced against those who are less fortunate. This myth is one of the most fallacious, derogatory lies, yet it is so often repeated by those who don't know or simply don't care what the fact really are. You see, for those sort, it's really about doing harm to the poor, as a sort of "tough love" vendetta over the fact they citizens must pay taxes. This mantra is repeated time and time again, as if people who are poor are simply lazy, and somehow enjoy a life of untold sorrow and misery.
Well, rant over for the moment. Let's cut to the chase here. Here are the FACTS about welfare, as they have stood since the Clinton Administration reforms of 1996. This information is taken verbatim from the New York State website, and can be found at the following link:
http://otda.ny.gov/programs/temporary-assistance/
What are the two major Temporary Assistance programs?
Family Assistance (FA)
Family Assistance (FA) provides cash assistance to eligible needy families that include a minor child living with a parent (including families where both parents are in the household) or a caretaker relative. FA operates under federal Temporary Assistance for Needy Families (TANF) guidelines.
Under FA, eligible adults are limited to receiving benefits for a total of 60 months in their lifetime, including months of TANF-funded assistance granted in other states. Once this limit is reached, that adult and all members of his or her FA household are ineligible to receive any more FA benefits. The months need not be consecutive, but rather each individual month in which TANF-funded benefits are received is included in the lifetime count.
Parents and other adult relatives receiving FA, and who are determined to be able to work must comply with federal work requirements to receive FA benefits.
As a further condition of FA eligibility, each person who applies for or is receiving FA, is required to cooperate with state and local department of social services in efforts to locate any absent parent and obtain support payments and other payments or property. Non-cooperation without good cause could result in lower FA benefits.
Safety Net Assistance (SNA)
If you are not eligible for other assistance programs, you may be eligible for SNA. SNA is for:
Single adults
Childless couples
Children living apart from any adult relative
Families of persons found to be abusing drugs or alcohol
Families of persons refusing drug/alcohol screening, assessment or treatment
Persons who have exceeded the 60-month limit on assistance
Aliens who are eligible for temporary assistance, but who are not eligible for federal reimbursement
Recipients of SNA, who are determined to be able to work must also comply with work requirements to receive SNA benefits.
Generally, you can receive cash SNA for a maximum of two years in a lifetime. After that, if you are eligible for SNA, it is provided in non-cash form, such as a two party check or a voucher. In addition, non-cash SNA is provided for:
Families of persons found to be abusing drugs or alcohol
Families of persons refusing drug/alcohol screening, assessment or treatment
Families with an adult who has exceeded the 60 month lifetime time limit
Is there a limit on how long I can get TANF-Funded Temporary Assistance?
There is a 60-month limit on the receipt of Family Assistance benefits funded under the federal TANF program (the former Aid to Families with Dependent Children (ADC) program), some Safety Net Assistance (SNA) or the Child Assistance Program (CAP). Additionally, a payment for regular maintenance needs under the Emergency Assistance to Families with Children (EAF) for the month of December 1996, or any month thereafter, are included in the 60-month count. Participants in CAP are also restricted to the 60-month lifetime limit.
Additionally, cash Temporary Assistance in New York State is limited to a cumulative period of 60 months for any adult. No cash assistance (FA or SNA) benefit is granted to a family that contains an adult who has received a combined total of 60-month benefits under FA or cash SNA.
What is an Emergency?
An emergency is an urgent need or situation that has to be taken care of right away. Some examples of an emergency are:
You are homeless
You have little or no food
Your landlord has told you that you must move or has given you eviction papers
You do not have fuel for heating in the cold weather period
Your utilities are shut-off or are about to be shut-off, or you have a 72-hour disconnect notice
You or someone in your family has been physically harmed , or threatened with violence by a partner, ex-partner or other household member
If you and/or your family are experiencing an emergency situation you may be eligible for emergency assistance. Some examples of emergency assistance include, but are not limited to:
Payment of shelter arrears
Payment of utility arrears
Payment of fuel and/or cost of fuel delivery
Payment of Domestic Violence Shelter costs
Payment of Temporary Housing (Hotel/Motel) costs
More information is available from the official source linked above.
The fact is, however, that this notion is a total myth perpetrated by those who are ignorant to the realities of poverty in America today.
Often, willfully ignorant at that. The issues of poverty can be complicated enough, but there will never be any solutions so long as there are people who choose to be prejudiced against those who are less fortunate. This myth is one of the most fallacious, derogatory lies, yet it is so often repeated by those who don't know or simply don't care what the fact really are. You see, for those sort, it's really about doing harm to the poor, as a sort of "tough love" vendetta over the fact they citizens must pay taxes. This mantra is repeated time and time again, as if people who are poor are simply lazy, and somehow enjoy a life of untold sorrow and misery.
Well, rant over for the moment. Let's cut to the chase here. Here are the FACTS about welfare, as they have stood since the Clinton Administration reforms of 1996. This information is taken verbatim from the New York State website, and can be found at the following link:
http://otda.ny.gov/programs/temporary-assistance/
What are the two major Temporary Assistance programs?
Family Assistance (FA)
Family Assistance (FA) provides cash assistance to eligible needy families that include a minor child living with a parent (including families where both parents are in the household) or a caretaker relative. FA operates under federal Temporary Assistance for Needy Families (TANF) guidelines.
Under FA, eligible adults are limited to receiving benefits for a total of 60 months in their lifetime, including months of TANF-funded assistance granted in other states. Once this limit is reached, that adult and all members of his or her FA household are ineligible to receive any more FA benefits. The months need not be consecutive, but rather each individual month in which TANF-funded benefits are received is included in the lifetime count.
Parents and other adult relatives receiving FA, and who are determined to be able to work must comply with federal work requirements to receive FA benefits.
As a further condition of FA eligibility, each person who applies for or is receiving FA, is required to cooperate with state and local department of social services in efforts to locate any absent parent and obtain support payments and other payments or property. Non-cooperation without good cause could result in lower FA benefits.
Safety Net Assistance (SNA)
If you are not eligible for other assistance programs, you may be eligible for SNA. SNA is for:
Single adults
Childless couples
Children living apart from any adult relative
Families of persons found to be abusing drugs or alcohol
Families of persons refusing drug/alcohol screening, assessment or treatment
Persons who have exceeded the 60-month limit on assistance
Aliens who are eligible for temporary assistance, but who are not eligible for federal reimbursement
Recipients of SNA, who are determined to be able to work must also comply with work requirements to receive SNA benefits.
Generally, you can receive cash SNA for a maximum of two years in a lifetime. After that, if you are eligible for SNA, it is provided in non-cash form, such as a two party check or a voucher. In addition, non-cash SNA is provided for:
Families of persons found to be abusing drugs or alcohol
Families of persons refusing drug/alcohol screening, assessment or treatment
Families with an adult who has exceeded the 60 month lifetime time limit
Is there a limit on how long I can get TANF-Funded Temporary Assistance?
There is a 60-month limit on the receipt of Family Assistance benefits funded under the federal TANF program (the former Aid to Families with Dependent Children (ADC) program), some Safety Net Assistance (SNA) or the Child Assistance Program (CAP). Additionally, a payment for regular maintenance needs under the Emergency Assistance to Families with Children (EAF) for the month of December 1996, or any month thereafter, are included in the 60-month count. Participants in CAP are also restricted to the 60-month lifetime limit.
Additionally, cash Temporary Assistance in New York State is limited to a cumulative period of 60 months for any adult. No cash assistance (FA or SNA) benefit is granted to a family that contains an adult who has received a combined total of 60-month benefits under FA or cash SNA.
What is an Emergency?
An emergency is an urgent need or situation that has to be taken care of right away. Some examples of an emergency are:
You are homeless
You have little or no food
Your landlord has told you that you must move or has given you eviction papers
You do not have fuel for heating in the cold weather period
Your utilities are shut-off or are about to be shut-off, or you have a 72-hour disconnect notice
You or someone in your family has been physically harmed , or threatened with violence by a partner, ex-partner or other household member
If you and/or your family are experiencing an emergency situation you may be eligible for emergency assistance. Some examples of emergency assistance include, but are not limited to:
Payment of shelter arrears
Payment of utility arrears
Payment of fuel and/or cost of fuel delivery
Payment of Domestic Violence Shelter costs
Payment of Temporary Housing (Hotel/Motel) costs
More information is available from the official source linked above.
Thursday, January 23, 2014
A Few Reasons Why It Is Impossible to Get Ahead Being Poor
Visit Yahoo! Finance to see this article in the original format.
It’s a counterintuitive idea to say the least, but it costs a lot to be poor in the United States. When money is at its tightest, cost-saving choices are often impossible to make, digging impoverished Americans deeper and deeper into the pit of day-by-day living.
Ben Hecht, CEO and president of Living Cities, an organization that works to revitalize impoverished areas, joined The Daily Ticker to discuss why it costs so much to be poor.
“Many of us are salaried employees and many poor people, if they’re working, are hourly employees,” explains Hecht.
If you’re an hourly employee who needs to apply for benefits or even see a doctor, you’re missing out on vital pay, Hecht points out.
“In many cities there are food deserts where you can’t even go to get the fresh food that we’re used to everyday," Hecht says.
One of the biggest disadvantages that those in poverty experience is a lack of broadband Internet. “One of the fundamentals about poverty is a lack of access to economic opportunity,” says Hecht. “And we all know that the number one factor in economic opportunity is education and we know that in today’s world much education, even in public schools, is done online.”
Furthermore, the Internet provides social networks where we can exchange vital information. Hecht gives this example: “I gave a speech years ago to 500 folks who helped people get jobs and I said to them -- how many of you got your job by a reference? All of them. How many of you got your doctor by reference? All of them. The power of those networks is being shut out in these neighborhoods and without the access to those types of technology.”
It’s a counterintuitive idea to say the least, but it costs a lot to be poor in the United States. When money is at its tightest, cost-saving choices are often impossible to make, digging impoverished Americans deeper and deeper into the pit of day-by-day living.
A common narrative in today’s political arena is that the nation’s least fortunate only need to pull themselves up by their bootstraps – that they’re just not working hard enough. What often goes unnoticed, however, are the overwhelming barriers that those living below the poverty line face on a daily basis.
A car, for example, is a necessity for many jobs but the down payment can be insurmountably high. And even after the down payment poor drivers still face monthly payments, high gas prices, and the fact that low-income car buyers pay 2% more for a car loan than affluent people. Low-income drivers can also pay up to $400 more annually than wealthier drivers to insure their cars (for a car of the same model and with the same driver risk).
Related: Here's how to win the War on Poverty
A lack of capital can also make it impossible to afford the security deposit on an apartment causing those in poverty to live day-to-day in expensive hotels. Chris Arnade, a friend of The Daily Ticker, has documented this phenomenon. Those in poverty who are able to rent or buy homes are also more likely to get household appliances through rent-to-own companies and end up paying more due to added interest.
Even saving money is a burden for the poor, as banks often charge large fees for those who don’t have a minimum amount of capital in their accounts—this makes cash checking establishments, who charge incredibly high interest rates on pay-day loans, the only choice for many.
“Many of us are salaried employees and many poor people, if they’re working, are hourly employees,” explains Hecht.
If you’re an hourly employee who needs to apply for benefits or even see a doctor, you’re missing out on vital pay, Hecht points out.
Another challenge that low-income Americans face is a lack of services. “If you walk in many neighborhoods they’ll have one store—it may even be a corner store and not a grocery store,” Hecht says. The competition that neighborhood stores typically face doesn’t exist in poorer areas, allowing them to charge more for goods.
High quality food and produce is also often hard to come by. “You can’t find fresh broccoli…and if you think about it, it’s a logical, rational and economic choice for people to pick fast food in cheaper and larger quantities,” Hecht explains. This leads to obesity and other health issues that end up costing individuals more down the line.
Furthermore, the Internet provides social networks where we can exchange vital information. Hecht gives this example: “I gave a speech years ago to 500 folks who helped people get jobs and I said to them -- how many of you got your job by a reference? All of them. How many of you got your doctor by reference? All of them. The power of those networks is being shut out in these neighborhoods and without the access to those types of technology.”
Monday, December 2, 2013
Who Makes Minimum Wage?
It is often argued that low wage jobs are "meant" for students or folks who are somehow disqualified from making a living wage simple because of age or social status.
Forgetting, for a moment, that today even high school students are forced to quit school in order to support their families, lets have a look at the facts.
These graphics come compliments of: UPWORTHY
With special thanks to Tyson Cordts who shared the link.
Forgetting, for a moment, that today even high school students are forced to quit school in order to support their families, lets have a look at the facts.
These graphics come compliments of: UPWORTHY
With special thanks to Tyson Cordts who shared the link.
Wednesday, November 27, 2013
New Study Finds $36K Is Ideal For Happiness
Economists have shed light on the vexed question of whether economic development can buy happiness – and it seems that life satisfaction actually dips among people living in the wealthiest countries.
Politicians are intensely interested in the link between national wealth and levels of happiness among the population, but it is a subject which is still wide open to debate among economists.
A new analysis led by economists Eugenio Proto in the Centre for Competitive Advantage in the Global Economy at the University of Warwick and Aldo Rustichini, from University of MInnesota finds that as expected, for the poorest countries life satisfaction rises as a country's wealth increases as people are able to meet their basic needs.
However, the new surprise finding is that once income reaches a certain level – around $36,000, adjusted for Purchasing Power Parity (PPP) - life satisfaction levels peaks, after which it appears to dip slightly in the very rich countries.
Read more at: PHYS.ORG
See the detailed findings of the study at: PLOSONE.ORG
We find this study particularly interesting since it coincides almost exactly with our own study that outlined what a person must earn in order to fully support themselves. In our quest to determine a practical minimum wage, we determined that a person must earn $17.47 an hour at a full-time job in order to meet the basic standard of living in the US, without the need for any sort of credit and/or public assistance. Our figure would amount to an annual salary of $36,337.60 if the person worked 40 hours a week for a full 52 weeks.
Read more from our own study by reading:
Analyzing a Practical Minimum Wage
Friday, October 18, 2013
Money as Debt (VIDEO)
"If the people only understood the rank injustice of our money and banking system, there would be a revolution before morning." -Franklin D. Roosevelt, November 1933Worried about the economy? Dollars not going as far as they used to? Well, you're certainly not alone in your sentiments. Yet everyone seems to have an explanation, or a reason why it is like this, often blaming their neighbors for the economic woes of the world, rather than the folks who operate a terminally flawed economic system. Don't expect things to get better anytime soon. Under our current economic structure, collapse is a mathematical certainty. When exactly it will happen, and how the collapse will be managed are anyone's guess. But who will benefit? The very few who implemented this system, and no one else. Even if you are still comfortable, and not really feeling the economic pinch yet, have no fear, the check is in the mail. You are not immune from the woes that others are feeling now through little fault of their own.
If you think you understand how the economy works, think again. Very few people actually do, so don't be ashamed, and don't be blinded by arrogance thinking that you are special and that you actually do know better than most people. We all think that. Sure, you may have taken a few economics classes in school, but you were never taught the bare-bones truth of how our economy works. So please, take the next 47 minutes to watch the following video. It affects each and every last one of us. You might very well agree that this is hands down the single most important and eye-opening educational video of our time.
The MWWUA is proud to present, Money as Debt....
(There are a few long seconds of black screen before it starts rolling, please be patient.)
If you were impressed by this video, and would like to purchase your own copy to own, or to send to a friend, please visit the Money as Debt website where the DVD can be purchased as a set including the sequel, Money as Debt II: Promises Unleashed.
http://www.moneyasdebt.net/
MWWUA has no financial stake in this endorsement.
Thursday, October 17, 2013
Mind-Blowing Presentation of Wealth Distribution In the U.S. (VIDEO)
Day after day I am disheartened by the rhetoric of my fellow countrymen slamming poor folks, and blaming the poor as the reason the rest of us have to work so hard. In reality, nothing could be further from the truth. The poor are simply the victims of flawed economic policy. The poor were once middle class too, just like the rest of us.
Also see:
90% of Americans Earn Less Than 1950 Minimum Wage Standard
Money as Debt (VIDEO)
McDonald's Delusional Budget for Low-Wage Workers
Analyzing A Practical Minimum Wage
Tweet
"Lemme tell ya somethin'. It's like that game we used to play as kids. Crack the whip. You run around like an idiot holding hands as tight as you can, and then the line snaps. Somebody let's go... and you're next." -Junior Soprano
Also see:
90% of Americans Earn Less Than 1950 Minimum Wage Standard
Money as Debt (VIDEO)
McDonald's Delusional Budget for Low-Wage Workers
Analyzing A Practical Minimum Wage
Tweet
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