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cleveraspie:

cracked:

"Having a checking account while poor doesn’t just mean you have to be responsible and good at math — you have to be perfect. … Let’s say you’re running late for work and hurriedly stop to get gas, paying with a bank card. In your haste you forget to write the $55 down (gas being $4 a gallon, you know). So while you spent the last week until payday thinking you had $50 in your account to absorb minor purchases, you actually were $5 in the red.
So payday comes. You go to the bank to deposit your check, at which point the bank…informs you that your account was at -$200 at the moment you deposited your check. The bank can hit you with a $35 fine for every charge that comes in while you are in minus territory. The bank will not tell you they charged you this money. You will have no idea anything is wrong. … Five seconds of oversight gave the bank the right to take away a week’s worth of your labor.
Some describe this as a ‘poverty tax.’ Others refer to it as a ‘Because fuck you, that’s why’ fee.” — John Cheese #CrackedClassic
5 Things Nobody Tells You About Being Poor


havey-cavey THIS.

You’re all gonna hate me for this but all of us, without exeption, every single one of us needs to learn how to budget our money. EVERYONE. It’s just simple math, folks!Yeah, it’s shitty that the bank continues to honor your purchases when there’s no money in your account. It was a big surprise when it happened to me. I had an argument with the bank manager.  Even credit companies extend your credit line and then charge you when you go over. I hate that shit! But it’s the game now because we’re not interested in government enough to show up at the polls unless it’s a presidential race. …and even then we expect the president to have magical powers.The culpret is your debit card. Stop using it. Use cash instead. And check your balance. Often. If you know you have below a hundred bucks, resist the coffee shop. I do. My account drops below that every few months. It’s sad. I hate it! Budgeting you money is the most important part od being an adult. If you don’t pay attention to your money, the banks will.

cleveraspie:

cracked:

"Having a checking account while poor doesn’t just mean you have to be responsible and good at math — you have to be perfect. … Let’s say you’re running late for work and hurriedly stop to get gas, paying with a bank card. In your haste you forget to write the $55 down (gas being $4 a gallon, you know). So while you spent the last week until payday thinking you had $50 in your account to absorb minor purchases, you actually were $5 in the red.

So payday comes. You go to the bank to deposit your check, at which point the bank…informs you that your account was at -$200 at the moment you deposited your check. The bank can hit you with a $35 fine for every charge that comes in while you are in minus territory. The bank will not tell you they charged you this money. You will have no idea anything is wrong. … Five seconds of oversight gave the bank the right to take away a week’s worth of your labor.

Some describe this as a ‘poverty tax.’ Others refer to it as a ‘Because fuck you, that’s why’ fee.” — John Cheese #CrackedClassic

5 Things Nobody Tells You About Being Poor

havey-cavey THIS.

You’re all gonna hate me for this but all of us, without exeption, every single one of us needs to learn how to budget our money. EVERYONE. It’s just simple math, folks!
Yeah, it’s shitty that the bank continues to honor your purchases when there’s no money in your account. It was a big surprise when it happened to me. I had an argument with the bank manager. Even credit companies extend your credit line and then charge you when you go over. I hate that shit! But it’s the game now because we’re not interested in government enough to show up at the polls unless it’s a presidential race. …and even then we expect the president to have magical powers.
The culpret is your debit card. Stop using it. Use cash instead. And check your balance. Often. If you know you have below a hundred bucks, resist the coffee shop. I do. My account drops below that every few months. It’s sad. I hate it!

Budgeting you money is the most important part od being an adult. If you don’t pay attention to your money, the banks will.

WTF! No… seriously, W - T - F?

When I created ADignorantium I set a few guidelines for myself. Two of the most important are, I don’t bully and I don’t use language that I’d be embarrassed to let a grandmother read. Don’t get me wrong. I do plenty of cussing at home. Some of my favorite words have only four letters. Lately though, it’s been difficult to maintain the latter. The political climate has devolved into a childish temper tantrum, and I am pissed!

I am so friggin pissed I could spit nails!

I never truly understood that expression until those unbelievably shortsighted tea party republicans decided to put the screws to the United States. I can’t even put thoughts into words, I’m so angry. This is not how America works! We don’t allow a few extremists to shut down the entire government  Do we?

Instead of passing a clean appropriations bill, house republicans attached an ACA rider that doomed it to fail. The unrelated provisions guaranteed the bill would not pass the senate. All they had to do was pass a continuing resolution (CR) that was clean of extraneous nonsense, but they are blinded by their hatred of anything Obama.

Truth be told, I’m not exactly thrilled with every bit of the Affordable Care Act (ACA), but it’s a good start. It’s a step in the right direction. When you’re not happy with something, you don’t fix it by killing it. And before you throw “corporate exemptions” at me, those exemptions were concessions to republicans. If you want to get rid of the exemptions, you write a bill, separate from the appropriations bill, and send it to the senate. But that’s not what they want. They want to undo the healthcare law. After trying and failing to repeal the ACA forty two times, they try this stunt!?

Now the government is shut down. National parks, museums, and landmarks are closed to the public. Millions are now without work.

Don’t they understand that a government shutdown affects more than government employees?

Don’t they know that everyday Americans like hotel staff, bartenders, waiters, and store clerks depend on tourism to make a living?

Do they even care that their stubbornness will have a negative effect on the economy?

There is no doubt in my mind that this bullisht is racially motivated. I wasn’t sure at first. I just chalked it up to politics as usual. But after six years of stubborn resistance, there can be no other explanation.

So now I owe some very good friends an apology for all those late night conversations about “race in America” in which I was so certain that things had improved since my father’s generation. Apparently, I was wrong. I was wrong and it sickens me. I am so f*king ashamed of my own country. MY OWN COUNTRY!

I’d like to think we’ll remember. I want to believe we will carry this rage with us to the voting booth. I know I will. But America has a short attention span. We are more worried about Miley, Kim, and Kanye than we are about what our local politicians are up to. More Americans know the names of the Real Housewives than who their representatives are.

So why am I surprised when this isht happens?

~end rant~

Thanks to all for bearing with me. We now return to our regularly scheduled blog.

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The Colbert Report
Get More: Colbert Report Full Episodes,Video Archive

Stephen Colbert blisters Republicans trying to sabotage Obamacare

by BruinKid

Last night, Stephen Colbert looked at two ways Republicans are trying to sabotage Obamacare, from trying to force a government shutdown to defund it, and then at the state level where they’re trying to prevent the Navigators from educating people who need insurance about the benefits.

From Day One I have vowed to stop Obamacare or die trying, and knowing my luck, I’d almost die and then get nursed back to life by Obamacare.  And folks, I am not alone in my crusade.  Yesterday, the Republican leadership announced their simple yet simple-minded plan to cripple all government health care.

9/18/2013:

SEAN HANNITY: The groundwork has been set for a monumental showdown on Capitol Hill, and it all comes down to a very simple formula.  Either Democrats vote to defund the train wreck that is Obamacare, or they will risk shutting down the federal government.

JOHN BOEHNER: This week the House will pass a CR that … defunds Obamacare.

REP. MICHELE BACHMANN, R-MN: Can you see the smile on my face?  I am so happy because I think we’re getting to a consensus now with the Republicans. … I think that we can take a victory lap.

Yes, a victory lap, because…

read more at DailyKos.com

House Republicans Vote to Cut $39 Billion From Food Stamps

thepoliticalfreakshow:

The House passed a bill on Thursday that would cut as many as 3.8 million Americans from food stamps, according to the Congressional Budget Office. The cuts would come from a combination of ending state waivers for able-bodied, unemployed adults, and from tightened eligibility requirements. Currently, experts estimate that 48 million Americans will participate in the program in 2014. 

The vote was close, at 217-210, with 15 Republicans siding with every Democrat in the House against the bill. Using 2012 data from the U.S. Census Bureau, we calculated how many households in each member’s district received food stamp assistance last year comparing that to how they voted. Here’s what we found.

46.5%50.7%

Households that received food stamps, by party and vote

 RepublicansDemocratsTotalAye7,313,05807,313,058Nay443,4087,968,6028,412,010

This data appears in the graph at right. Members who voted against the measure represented about 8.4 million households that received food stamp support in 2012. Those who voted for it represented about 7.3 million such households.

Estimated reduction in households

 RepublicansDemocratsTotalAye578,9480578,948Nay35,104630,840665,944

If you evenly apply the rate at which households would be removed from the program under this bill, Republicans voted to kick over 575,000 constituent households out of the program.

Average household count

 RepublicansDemocratsAye33,3930Nay29,56039,645

Interestingly, the 15 Republicans who voted against the measure (largely from the Northeast) represented fewer food stamp households on average than their colleagues that voted for it.


If the cuts pass the Senate and are signed into law, the government would save $39 billion over 10 years, or twice as much as the House Agriculture Committee recommended, and much more in cuts than the Senate has previously approved, Politico explains. The current bill is a result of an earlier decision to split off the food stamp discussion from the usually bipartisan farm bill, under which it’s traditionally been passed in tandem with farm subsidies, popular with Republicans. The food stamp-only current plan comes from the House Republican leadership, led by Majority Leader Eric Cantor. But not all Republicans were on board with the plan, in part because their districts would be adversely affected by the cuts. The Atlantic Wire has a detailed breakdown of how the cuts would affect each representative’s district. 

The White House has already vowed to veto the bill, saying in a statement that “these cuts would affect a broad array of Americans who are struggling to make ends meet, including working families with children, senior citizens, veterans, and adults who are still looking for work.” But it’s doubtful that the bill will make it as-is through the Democrat-controlled Senate, where it’s expected to be rejoined with the farm subsidy portion of the measure into some sort of compromise plan. The current farm bill expires on September 30.A final bill has to make it through Congress by then

Sure… The economy is bad, unemployment is still an issue, thousands of families have lost their homes to natural disaster. Yeah, NOW would be a GREAT Time TO CUT food stamps!!!

(Source: thepoliticalfreakshow)

McDonald’s tried to show employees how to make a budget - but it showed that living on min. wage is nearly impossible

via: Forbes  — Personal Finance 7/18/2013

As the saying goes, everyone should have a budget.

No matter how much or how little you make, a budget will help you reach your financial goals, right?

Possibly with that idea in mind, McDonald’s MCD +0.09% decided to teach its employees how to create one. But in doing so, the company may have inadvertently done something else: Shown that it’s nearly impossible to make a living off the minimum wage.

http://b-i.forbesimg.com/laurashin/files/2013/07/Screen-Shot-2013-07-18-at-4.57.59-PM.png

Take a look at the sample budget, provided in a Web site that McDonald’s created in conjunction with Visa V -0.57%. Here are some of the main criticisms of it:

  • It assumes the worker is working two jobs.
  • It surmises that health insurance costs $20 a month.
  • It doesn’t include child care, groceries, clothing or gas for the worker’s car.
  • Also, another, possibly earlier, version of the budget (seen here) proposed that heating would cost $0 a month.

Read more at Forbes.com

10 Things Legalized Gay Marriage Could Pay For
Barring same-sex couples from marrying actually costs the government money — an estimated $10 billion over a 10-year period. 
Here are a few things that cash could buy. 
via Anna North of BuzzFeed.com

10 Things Legalized Gay Marriage Could Pay For


Barring same-sex couples from marrying actually costs the government money — an estimated $10 billion over a 10-year period.

Here are a few things that cash could buy.

via Anna North of BuzzFeed.com

Congress Cuts Funding For State AIDS Drug Assistance Programs (ADAPs)

WILL FORCE STATES TO DIS-ENROLL CURRENT ADAP CLIENTS

WASHINGTON, March 19, 2013 /PRNewswire-USNewswire/ — In an unprecedented action by the federal government, the spending bill about to be passed by the United States Senate does not include funding needed to continue lifesaving medications to many low-income people with HIV.  As part of the bill that will fund the federal government through the end of September, both the House of Representatives and the Senate have failed to continue $35 million for the AIDS Drug Assistance Program (ADAP). The spending bill also failed to continue $10 million for clinical medical care provided through Part C of the Ryan White Program.

(Logo: http://photos.prnewswire.com/prnh/20110412/DC82138LOGO)

"While we have faced severe waiting lists for people wanting to take medications in the past,” said Carl Schmid, Deputy Executive Director of The AIDS Institute, “failure to provide funding for existing patients is a dangerous unprecedented action by the U.S government.”  Once a patient begins antiretroviral treatment, the drugs must be taken every day without interruption or the person can quickly become ill. Resistance to medications can occur, even with a single missed dose, leading to serious health complications and higher health costs.   

President Obama increased funding for ADAP on World AIDS Day, 2011 in response to the growing wait lists and at the urging of several Members of Congress.  Earlier House and Senate versions of the FY13 spending bills continued this money, and even included significant increases to address the eight percent growth in clients ADAP experienced last year. 

Senate Appropriations Subcommittee Chairman Tom Harkin attempted to address the ADAP funding cut with an amendment that would have resolved this issue, among other things.  Unfortunately, it failed on a party-line vote on the Senate floor. Without the $35 million continuation  in ADAP funding, states such as Alabama, Florida, Georgia, Illinois, Nebraska, Tennessee and several others will likely stop providing medications to many ADAP clients.

"We hope that before the bill is finalized and sent to the President, Congress will see fit to find a way to continue this funding to avoid any interruptions in lifesaving care and treatment  With sequestration and discussion of further budget cuts, continuation of this funding is an absolute necessity," concluded Schmid.

The AIDS Institute is a national nonprofit organization that promotes action for social change through research, public policy, advocacy and education.

For more information and to become involved, visit www.TheAIDSInstitute.org or write to us at Info@theaidsinstitute.org , and follow The AIDS Institute on Twitter @AIDSAdvocacy and Facebook at www.facebook.com/The-AIDS-Institute .

via YAHOO! News