CRISIS, BARACK OBAMA, THE DEMOCRAT
PARTY, UNIONS, WALL STREET AND
MEXICO ARE HELL BENT ON ANY DEVICE
TO PUT MILLIONS OF ILLEGALS INTO
AMERICAN JOBS... AND WELFARE ROLLS!
Unsteady Incomes Keep Millions of Workers Behind on Bills
By PATRICIA COHEN
ALEXANDRIA, Ky. — The bills arrive as regularly as a heartbeat at the Vories’s cozy bi-level brick house just across the Ohio River from Cincinnati. It’s the paychecks that are irregular.
These days, Alex Vories, 37, is delivering pizzas for LaRosa’s, though he has to use his parents’ car since he wrecked his own 1997 Nissan van on a rainy day last month. In the spring and autumn, he had managed to snag several weeks of seasonal work with the Internal Revenue Service, sorting tax returns for $14 an hour. But otherwise the family had to make do with the $350 a week his wife Erica brought home from her job as a mail clerk for the I.R.S.
“We just kind of wing it every month,” said Mr. Vories, whose unemployment benefits ran out at the end of 2013, 10 months after he lost his job answering phones at Fidelity Investments. Ever since, the family’s income has bounced up and down from one week to the next, like the basketball and his two sons play with in their driveway, next to the Kentucky Wildcats pennant planted in their front yard.
The financial volatility that the Vories grapple with is a feature of life for millions of workers whose paychecks fluctuate with the season, an hourly schedule or the size of a weekly commission.
Income variability is difficult to quantify, but studies that attempt to measure it suggest that ups and downs in income, particularly among the poorest 10 percent of American families, started to rise in the 1970s, leveled off in the early 2000s, but then increased significantly again during the recession.
A 2012 study by Daniel Sichel, an economist at Wellesley; Douglas Elmendorf, director of the Congressional Budget Office; and Karen Dynan, who now heads the Treasury Department’ Office of Economic Policy, found that “household income became noticeably more volatile between the early 1970s and the late 2000s” despite a period of increased stability throughout the economy as a whole.
A more recent national survey by the Federal Reserve, based on 2013 data, suggests the problem has not only persisted as the economy recovered but may even have worsened. More than 30 percent of Americans reported spikes and dips in their incomes. Among that group, 42 percent cited an irregular work schedule; an additional 27 percent blamed a span of joblessness or seasonal work.
The data show "a clear upward trend in income volatility,” according to a report from U.S. Financial Diaries, which is releasing on Wednesday the first results of an in-depth study of low- and moderate-income families.
In the Diaries’ research, nearly all of the 235 households studied experienced a drop in monthly income of at least 25 percent in a single year. The main culprits were reduced work hours, health problems and shifts in household size, like a needy relative coming to stay.
“Low pay is also unsteady as well,” said Jonathan Morduch, who oversees the diaries’ project. “This is a hidden inequality that often gets lost.”
That strain explains why more than three-quarters of those surveyed said financial stability was more important than moving up the income ladder.
“When you have that extra, you tend to spend more,” said Christine Chavez, a 27-year-old single mother who works for a collection agency in Bakersfield, Calif. “And when the next month comes, that extra isn’t there.”
Such insecurity sabotages the most diligent efforts to budget and save for the future and is a pressing issue for many families here in the Kentucky suburbs stretching south from Cincinnati, where corporations like Toyota, Procter & Gamble, General Electric, DHL and Fidelity run a lot of back-office operations. Amazon has seven distribution sites. EBay recently opened a fulfillment center in nearby Walton, and hired about 2,000 seasonal workers at $12 an hour.
Talia Frye, director of Brighton Family Center, a nonprofit agency in Newport, said the availability of full-time work had shrunk sharply since the 2008 financial crisis hit. “They might even be able to get a 12-, 13-, 14-dollar-an-hour job at an Amazon, or an eBay,” she said. “It’s income; it’s just not sustainable income.”
Of the more than 6,800 households that sought emergency help from Brighton last year, 71 percent had worked at some time during the year, Ms. Frye explained on a recent morning. Tables in the lobby were piled high with boxes of pizza donated by Little Caesar’s, and a neat pantry down the hall was stocked with jars of peanut butter, boxes of macaroni and cheese, cans of tuna fish and a freezer full of meat.
“They work hard,” Ms. Frye said, “and they still come up short.”
Across the country, nearly seven million people working part time would prefer full-time jobs but can’t find them. While their numbers are down from the peak a couple of years ago, these involuntary part-timers still account for 4.5 percent of the labor force, compared to an average of 2.7 percent before the recession.
Here in northern Kentucky, the Vories not only turned to the Brighton Center for food, they also applied for federal mortgage assistance, timed payments to grace periods, borrowed from family and relied on their church and friends.
They reluctantly cashed in Mr. Vories’ 401(k) retirement account, absorbing the 10 percent penalty in return for a much-needed $4,500. And they borrowed a total of $2,500 from their bank at a 10 percent interest rate.
“You think, ‘How can you afford that?' ” Mr. Vories said, “but because it’s getting our bills paid, you do.”
None of that was necessary when Mr. Vories was steadily earning $425 a week. Fidelity matched his weekly 401(k) contributions and offered good health insurance that covered most of the medical bills from 9-year-old Caleb’s severe ADHD and 6-year-old Josh’s mild autism.
They could afford the occasional night out with dinner and a movie. He was a few months away from the seven-year mark and a bump up in pay and vacation days, when he lost his job in February 2013.
Over the next 10 months, Mr. Vories said he applied for 75 jobs. Nothing.
Last December, he received a letter promising a three-month extension of his unemployment insurance, so he and Erica bought Christmas presents for the boys, a little Fender guitar for Caleb, and a drum set for Josh. But then congressional Republicans and Democrats deadlocked and no extended benefits were approved.
The take home pay for Ms. Vories, 34, took a hit because she had to buy health insurance for the family. She signed up for a higher-paying night shift from 10 p.m. to 6:30 a.m., hoping to make up for the unexpected loss of her husband’s unemployment insurance check. Despite the extra $250 a month, she had to stop after five months.
“You’re basically a zombie,” Ms. Vories said. “I saw the boys basically on Saturday, and you’re just playing catch-up.”
They reduced their church contributions. During the winter, they turned the heat down to 64 degrees. “We had one little space heater, and we would take it to whatever room we were in,” Mr. Vories said.
Still, the bills piled up. “We would get one week behind, then we would get two weeks behind, then three weeks behind,” Mr. Vories said.
Mr. Vories’s job with the I.R.S. during tax season brought home $375 a week, but it lasted only six weeks. Thanks to help from the Hardest Hit Fund, a temporary federal mortgage assistance program, they avoided losing their home.
They kept the house, but didn’t have enough money to fix the central air-conditioning that quit right before the temperature shot past 90 degrees. They closed off the family room downstairs because of the sweltering heat. Parishioners at their church lent them a couple of window units.
A few weeks later, the Vories’s 2002 Toyota Corolla quit on their way back from a church tent revival meeting. With only one car, Ms. Vories had to stop working the early shift, which had allowed her to be home in time to meet the school bus. Mr. Vories’s mother pitched in to babysit.
In September, Mr. Vories stopped by LaRosa’s pizzeria, where he got his first job at 15, washing dishes after school. He was overjoyed to hear they needed a delivery driver.
But then in mid-October, as they we were driving home from visiting family, their Nissan van was totaled in a car accident. It was a heartbreak, because they had just poured in more than $1,000, given by Ms. Vories’s parents, in repairs.
“It just feels like money down the drain,” Mr. Vories said, shaking his head.
Proud of an above-average evaluation at the I.R.S., Mr. Vories said he was hopeful he would be rehired after the new year for seasonal work, which could ultimately turn into a full-time job.
In the meantime, Mr. Vories is delivering pizzas, using his parents’ Mercury Grand Marquis.
THE ENTIRE REASON THE BORDERS ARE LEFT OPEN IS TO CUT
WAGES!
UNIONS PARTNER WITH WALL STREET-OWNED BARACK OBAMA and MEXICO TO KEEP WAGES DEPRESSED
THE GRUESOME REALITY OF THE JOBS CRISIS: No
legal need apply!!!!
http://mexicanoccupation.blogspot.com/2014/10/will-amnesty-for-millions-keep-wages.html
“While the economy added an
estimated 248,000 jobs and the official unemployment rate fell from 6.1 to 5.9
percent, these headline figures hide a more fundamental reality. Six years
after the financial collapse of 2008, the labor market remains stagnant and an
increasing portion of the population has simply given up hope of ever finding
work.”
WAGES
PLUMMET… and millions more illegals are arriving soon!
Low-wage males’ wages declined by an astonishing 31.2
percent, with mid-wage male
workers seeing a 16 percent drop, the study found. Workers without a high school diploma
suffered a 46.3 percent fall in wages, while workers with only a high school diploma lost 32.1
percent, and those holding a bachelor’s degree lost 4 percent. VIVA LA RAZA SUPREMACY?
DEMS SABOTAGE E-VERIFY NATIONWIDE!
workers seeing a 16 percent drop, the study found. Workers without a high school diploma
suffered a 46.3 percent fall in wages, while workers with only a high school diploma lost 32.1
percent, and those holding a bachelor’s degree lost 4 percent. VIVA LA RAZA SUPREMACY?
DEMS SABOTAGE E-VERIFY NATIONWIDE!
AMNESTY and the
UNEMPLOYMENT
CRISIS FOR LEGALS: 71% of all jobs go to
foreign born, both legal
and ILLEGAL!
WAL-MART: Their
assault on the American worker
Wal-Mart jobs have become synonymous with poverty wages and
poor working conditions. Hundreds of thousands of Wal-Mart workers rely on food
stamps, other public programs and food banks simply to get by, and American
taxpayers pay $6.2 billion annually to subsidize Wal-Mart's poverty wages.
President Barack
Obama, Mexico and the
Mexican Fascist Party of LA RAZA, which
operates out of the White House, announce
IMPERIAL AMNESTY:
Mexican Fascist Party of LA RAZA, which
operates out of the White House, announce
IMPERIAL AMNESTY:
FOR LA RAZA, MEXICO and
the U.S. CHAMBER of
COMMERCE, OBAMA VOWS TO SABOTAGE
E-VERIFY AND BORDER
SECURITY TO KEEP
WAGES FOR AMERICANS (Legals) DEPRESSED.
OBAMA’S SECOND TERM: MASS
UNEMPLOYMENT and ILLEGALS GET
UNEMPLOYMENT and ILLEGALS GET
ALL THE JOBS
OBAMA’S
ASSAULT on AMERICANS and SURRENDER to
NARCOMEX OF AMERICAN BORDERS, JOBS and LA
RAZA DREAM ACTS of WELFARE:
OBAMA
VOWS TO RATCHET UP THE LIES FOR LA RAZA
“Besides
this, many American workers are displaced, and the oversupply of cheap foreign
labor depresses the income of American workers by about $2,800 per year.”
“Scruggs
points out that there are two groups favoring amnesty and an increase in legal
immigration. First, the Democratic Party, that would gain millions of new
voters. Second, business interests seeking an endless supply of cheap labor -
who make large donations to GOP politicians. He argues that the GOP should take
a principled stand against Obama's amnesty and regain the respect of American
workers.”
THE ENTIRE REASON THE BORDERS ARE LEFT OPEN IS TO CUT
WAGES!
"We could cut
unemployment in half simply by reclaiming the jobs taken by illegal
workers," said Representative Lamar Smith of Texas, co-chairman of the
Reclaim American Jobs Caucus. "President Obama is on the wrong side of the
American people on immigration. The president should support policies that help
citizens and legal immigrants find the jobs they need and deserve rather than
fail to enforce immigration laws."
FROM THE “Hope & Change” CLOWN THAT
HANDED MILLIONS OF ILLEGALS OUR
JOBS TO KEEP WAGES DEPRESSED AND
PROFITS HIGH FOR HIS CRONIES.
HIS NAME IS LA RAZA OBAMA!
DREAMERS DREAM ACTS
AMNESTY….LA
RAZA IS PRINTING OUT FRAUD I.D.s BY THE MILLIONS.
"They hauled them down to the border," Sakuma said.
"Three days later, they were standing in our office, but they had a
different name and a different Social Security number."
DREAM
Act proposals are also a magnet for fraud. Many illegal immigrants will
fraudulently claim they came here as children or that they are under 30. And
the federal government has no way to check whether their claims are true or
not. REP. LAMAR SMITH - ONE OF THE VERY FEW IN
CONGRESS WORKING FOR AMERICANS!
UNIONS PARTNER WITH WALL STREET-OWNED BARACK OBAMA and MEXICO TO KEEP WAGES DEPRESSED
These are self-serving lies pumped out by the ruling class
through its political servants and media apologists. Since the
financial crash of 2008, the Obama administration’s pro-
business policies of bank bailouts, virtually free money for
the banks from the Federal Reserve, wage and benefit cuts for
auto workers, corporate tax cuts and deregulation have
transferred trillions from the working class to the super-rich.
through its political servants and media apologists. Since the
financial crash of 2008, the Obama administration’s pro-
business policies of bank bailouts, virtually free money for
the banks from the Federal Reserve, wage and benefit cuts for
auto workers, corporate tax cuts and deregulation have
transferred trillions from the working class to the super-rich.
Instead, the financial oligarchy that controls the
economy and both big-business parties is
determined to steal the pensions that tens of
millions need to survive and return workers to the
dark days when they labored without end until they
died.
economy and both big-business parties is
determined to steal the pensions that tens of
millions need to survive and return workers to the
dark days when they labored without end until they
died.
OBAMA’S AMNESTY HOAX: Soaring welfare
for illegals… they already get our jobs!
for illegals… they already get our jobs!
"President Obama is going
rogue, doubling-
down, and driving full speed towards a
constitutional crisis," Representative Bob
Goodlatte, a Virginia Republican who’s
chairman of the House Judiciary Committee,
said in a statement.
down, and driving full speed towards a
constitutional crisis," Representative Bob
Goodlatte, a Virginia Republican who’s
chairman of the House Judiciary Committee,
said in a statement.
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