Welcome to City-Data.com Forum!
U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 04-02-2014, 11:53 PM
 
Location: Myrtle Creek, Oregon
15,290 posts, read 17,801,039 times
Reputation: 25237

Advertisements

Quote:
Originally Posted by Teddy52 View Post
Really ?

Did you see how huge the Farm Bill is $$$$$$$$$$$ and the biggest expenditure is food stamps.
You are confused. Food stamps are not welfare. They are two separate programs, with separate funding. For that matter, there are no food stamps any more either. They were too easy to counterfeit. Now everyone uses debit cards, and the program is called SNAP (Supplemental Nutritional Assistance Program). Some elderly retired people need assistance with their grocery bill, but the elderly are not the only ones who need help buying beans. Not everyone can meet the government guidelines for food assistance. My wife runs a county food bank that distributes over 50 tons of food a month to local food pantries run by community charities.

Welfare has been revamped into TANF (Temporary Aid to Needy Families) and is sharply limited. There are no benefits to anyone who is not raising a dependent child and benefits are limited to 5 years. Recipients are required to conduct a job search.
Reply With Quote Quick reply to this message

 
Old 04-06-2014, 10:47 AM
 
Location: Sherman Oaks, CA
6,587 posts, read 17,601,900 times
Reputation: 9466
I worry about my children's futures more than my own. I'm putting 10% of my salary into my 401(k), and I have another twenty years of working before I retire at 70 if everything goes well (no health problems, no layoffs, etc.). I don't expect an inheritance, because my stepmom will get everything when my dad dies - as she should, for taking care of him!

My daughter has decided to become a speech pathologist, which is great, but she turns 29 this month. The prerequisite program takes two years. The actual masters degree program takes another three years, so she'll be 34 by then - and at least $65,000 in debt from student loans, and that's only counting tuition! She is working part time with autistic kids, so she can obtain letters of recommendation, etc.

She also wants to get married and have at least two children, and she wants to have children before she's too old to encounter real difficult fertility problems, so she won't have any time between getting this degree and starting a family. Then for the next twenty years she'll be raising a family and hopefully paying off that $65,000?! Where is there room for any kind of retirement saving? Hopefully she'll be making a decent salary after all of that education, but as we all know, there's never a guarantee.

My 24-year-old son has taken a different route. He doesn't want tons of student debt; he works at a local grocery store and has great benefits due to the union. However, he only makes $15 per hour as a seafood manager (this is a terrible salary for Southern California, and particularly L.A. County, where the cost of housing is ridiculous). He just finished paying off $10,000 of debt that he got into by making stupid decisions when he was younger (he bought a POS sports car that he was going to fix up, but he soon realized what a money pit it was!). He's working on getting promoted, but of course, the higher up you go, the less positions there are available. He's also planning to reapply for the CHP (they found him ineligible the last time he tried).

I've been fortunate to find a good job, and I've been there for over fourteen years. I have good benefits, three weeks of vacation (which will increase to four weeks next year!), ten sick days per year, etc. Both of my children are working at part time jobs. My son gets paid out once a year for his accrued vacation time, and my daughter doesn't get any at all. Sick days? I'm grateful that they're both healthy! I can't help but feel that we're all just "hanging on" economically, and that anything could topple this house of cards.

By the way, both of my kids live with me. I charge them rent, but not very much since the whole idea is for them to be able to save some money in hopes of eventually moving out. The combination of low wages, lack of real opportunities, and the high cost of housing means that many of their friends are in the same situation, even the ones who are also college graduates.

This is just my story. I'm sure there are thousands, even hundreds of thousands, just like this. I wonder what it means for the future of this country?!
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 11:18 AM
 
3,433 posts, read 5,771,649 times
Reputation: 5472
Quote:
Originally Posted by Larry Caldwell View Post
You are confused. Food stamps are not welfare. They are two separate programs, with separate funding. For that matter, there are no food stamps any more either. They were too easy to counterfeit. Now everyone uses debit cards, and the program is called SNAP (Supplemental Nutritional Assistance Program). Some elderly retired people need assistance with their grocery bill, but the elderly are not the only ones who need help buying beans. Not everyone can meet the government guidelines for food assistance. My wife runs a county food bank that distributes over 50 tons of food a month to local food pantries run by community charities.

Welfare has been revamped into TANF (Temporary Aid to Needy Families) and is sharply limited. There are no benefits to anyone who is not raising a dependent child and benefits are limited to 5 years. Recipients are required to conduct a job search.


..........."Food stamps are not welfare "..

I laughed so hard I spilled my coffee.

Anytime you get a cash equivelant benefit from the govt thru means testing it is welfare.

Reminds me of the woman on Judge Judy who had no job and insisted she got no welfare.

She thought food stamps, Section 8 housing and AFDC were part of ordinary earning her living.

Judge Judy set her straight by saying..........."You don't support your family. Burt and I and the rest of the taxpayers do "
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 11:19 AM
 
107,519 posts, read 110,023,507 times
Reputation: 80848
damn , i couldn't rep you again.....
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 11:20 AM
 
Location: Great State of Texas
86,052 posts, read 84,791,657 times
Reputation: 27720
Quote:
Originally Posted by Larry Caldwell View Post
You are confused. Food stamps are not welfare. They are two separate programs, with separate funding. For that matter, there are no food stamps any more either. They were too easy to counterfeit. Now everyone uses debit cards, and the program is called SNAP (Supplemental Nutritional Assistance Program). Some elderly retired people need assistance with their grocery bill, but the elderly are not the only ones who need help buying beans. Not everyone can meet the government guidelines for food assistance. My wife runs a county food bank that distributes over 50 tons of food a month to local food pantries run by community charities.

Welfare has been revamped into TANF (Temporary Aid to Needy Families) and is sharply limited. There are no benefits to anyone who is not raising a dependent child and benefits are limited to 5 years. Recipients are required to conduct a job search.
The term "welfare" has morphed from the days where it just meant TANF.

Welfare can be any of the 83+ means tested programs offered by the Federal Government.
Welfare is the generic term for our means tested social programs.
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 11:27 AM
 
Location: Los Angeles area
14,016 posts, read 20,979,901 times
Reputation: 32535
Default Semantic quibbling

Quote:
Originally Posted by Larry Caldwell View Post
You are confused. Food stamps are not welfare. They are two separate programs, with separate funding.
You are engaging in semantic quibbling. It doesn't much matter in which parts of the budget a given program may be located, and it doesn't much matter if separate legislative votes are required for approval. Welfare means public assistance. It means someone presents himself or herself (whether in person or via written application is of no consequence) and says "Here I am, I am poor enough to qualify for this particular handout, so please provide it."

Notice I am not arguing for or against any particular form of government welfare spending - I am just defining it, although that shouldn't really be necessary if we are discussing in good faith.

And a note on some of your additional semantic quibbling about the term "food stamps". Yes, technically they are no longer called "food stamps" and they are no longer provided in the form of stamps. But the term "food stamps" has passed into the common vocabulary in much the same way the brand name "Kleenex" has passed into the common vocabulary to mean facial tissues. Do you also correct people who ask for a Kleenex? (Interestingly, the auto-correct provided the capital "K" although I did not).

Last edited by Escort Rider; 04-06-2014 at 11:43 AM..
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 11:34 AM
 
Location: Baltimore, MD
5,349 posts, read 6,077,993 times
Reputation: 11014
Quote:
Originally Posted by HappyTexan View Post
The term "welfare" has morphed from the days where it just meant TANF.

Welfare can be any of the 83+ means tested programs offered by the Federal Government.
Welfare is the generic term for our means tested social programs.
My attorney-daughter and I were discussing welfare and enjoyed a good laugh when we realized that a portion of her law school tuition was paid for with the proceeds of a Perkins loan, officially making her a welfare recipient.

OTOH, my ex-husband who morphed into a conservative Republican during our marriage would readily admit that he received food stamps while attending medical school but would adamantly deny that he ever received welfare. <sigh>
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 02:26 PM
 
2,991 posts, read 4,310,603 times
Reputation: 4271
Food stamps are a curious topic.

First of all, some people cheat -- the food-stamp recipient who has a Cadillac -- but really not many. Not enough to make any difference.

Secondly, food stamps do not cost the government all that much (the expensive program that is headed for real trouble is Medicare, but that's another story).

Thirdly, the increase in the need for food stamps really disturbs me, as I view it as a sure indicator of a failing culture and a failing way of life. Unfortunately, programs like this will likely need to increase over time.

And finally: although I consider myself to be somewhat a conservative, especially a social conservative, I don't begrudge food stamps for anyone. I believe that we need to maintain a certain level of decency in our country, and if someone is hungry I am all for helping them out.

Last edited by Hamish Forbes; 04-06-2014 at 02:37 PM..
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 02:43 PM
 
2,991 posts, read 4,310,603 times
Reputation: 4271
Quote:
Originally Posted by SandyCo View Post
I worry about my children's futures more than my own. . .


By the way, both of my kids live with me. I charge them rent, but not very much since the whole idea is for them to be able to save some money in hopes of eventually moving out. The combination of low wages, lack of real opportunities, and the high cost of housing means that many of their friends are in the same situation, even the ones who are also college graduates.

This is just my story. I'm sure there are thousands, even hundreds of thousands, just like this. I wonder what it means for the future of this country?!
Scott Burns wrote an interesting piece about this a few years back: http://assetbuilder.com/scott_burns/how_to_survive_on_$15000_a_year
Reply With Quote Quick reply to this message
 
Old 04-06-2014, 04:35 PM
 
48,493 posts, read 97,181,798 times
Reputation: 18310
Quote:
Originally Posted by lenora View Post
My attorney-daughter and I were discussing welfare and enjoyed a good laugh when we realized that a portion of her law school tuition was paid for with the proceeds of a Perkins loan, officially making her a welfare recipient.

OTOH, my ex-husband who morphed into a conservative Republican during our marriage would readily admit that he received food stamps while attending medical school but would adamantly deny that he ever received welfare. <sigh>
But society sees that as more a investment ;just as non-married do paying for her and other basic education. They expect her to contribute to production of the nation not become ever dependent on it. By your definition with the top ten per cent paying for so much all others are on welfare. Perhaps its society itself that see contribution versus pure consumption with no return really. Kind of difference between a loan and gift.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Similar Threads

All times are GMT -6. The time now is 01:21 PM.

© 2005-2024, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top