...technology and transportation have been advanced and it increased the usage of them, as well as iphones, computers, ect.. In order for these companies to be funded for there research we have to pay taxes and those who make minimum wage get more money taken out of their small paycheck when they are already having to stretch it out for rent and food. Raising the minimum wage will cause there to be many risks and hardships. Risks include “tipping the encomy off a cliff” (Mincy). We need to “expect an increase to 12 per cent by 2020, but to 22 per cent in 2020 under Labour’s plan (Mincy). With the economy rising, it will cause house rent to increase and the poverty gap to decrease. The decrease in the poverty gap happens because people who are rich will have to pay more money so that minimum wage will increase making the rich/ poor gap closer together. People getting paid below or at minimum wage are less likely to have everything they. They are living paycheck to paycheck, just to put food on the table and keep a roof over their heads. Minimum wage causes so many hardships for families with only one income. The people that are making over minimum wage don’t have to worry about living paycheck to paycheck and ...
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...too high for families or individuals to pay with their minimum-wage jobs. Families and individuals not only have to pay for rent but also utility bills and food which make it difficult to make ends meet. According to article, “Overview of Homelessness In America”, “According to the National Low Income Housing Coalition, families across the country would need to earn a "housing wage" of $15.37 an hour, nearly three times the current minimum wage, to afford a two-bedroom apartment at the average fair market rent”. Families and individuals who have low-paying jobs are not able to pay rent, which results in eviction or homeless shelters. The current minimum wage is $9.00 and its not enough for people to pay rent and take care of other basic living needs in their lives. Since rent is highly expensive many people are stressed abut not paying it on time or being able to pay the full amount. If rent was cheaper families and individuals would be able to meet all the basic needs in their life and would also avoid being homeless. The article, “9 ways the lack of affordable housing is hurting America” states, “Studies show that access to decent, affordable housing would provide critical stability for the nearly 19 million low-income U.S. households paying over half of their income on housing, and lower the risk that vulnerable families become homeless”(Garrison). Stability is an important factor for many people because they won’t have to worry about paying the rent. If rent is cheap it will...
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...Out After Allegations Of Worker Exploitation The Huffington Post | By Bonnie Kavoussi Posted: 03/14/2013 6:52 pm EDT A franchisee who owns three McDonald's restaurants in Harrisburg, Pa., has left the company after allegations of worker exploitation. Foreign guest workers -- students from Asia and Latin America -- employed by the franchisee, Andy Cheung, allege that he forced them to work shifts of up to 25 hours and pay steep rent for living in his and his son's crowded basements, according to The Nation. The workers also allege that Cheung did not pay them for all of the hours they worked and that he retaliated against them for going on strike by locking them out of their living quarters. The guest workers paid as much as $3,000 apiece to come to the U.S. on temporary visas as part of a State Department exchange program, according to the National Guestworker Alliance, which is representing the workers. The group says Cheung deducted rent from the workers' paychecks, pushing their pay below the minimum wage. "We were living 6 men in a basement, on bunk beds that were clearly made [for] children and one tiny bathroom," Jorge Rios, an Argentinian college student who started working for Cheung in December, told CNNMoney. The workers have filed complaints with both the Labor Department and the State Department. Danya Proud, a McDonald's spokeswoman, told The Huffington Post in a Thursday statement that the company has taken action in response. "The franchisee has...
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...History 1700 Nickel and Dimed Paper 13 November 2007 Nickel and Dimed Experience Have you ever been so poor that you didn’t know where your next meal was coming from? I have been this poor before and this book, “Nickel and Dimed: On (Not) Getting by in America”, really shows the heart ache it takes sometimes to just get by. I was amazed that the author, Barbara Ehrenreich, was willing to put herself through this pain to write this book and show people how hard it can be for lower waged workers. This book shows how getting by in America for some is difficult and how important an education really is. Having experienced some of the same pains that the author went through in my early adulthood, I could feel what the author was going through in writing this book. I like the way that she used pathos to persuade her audience in “feeling” what she was going through. The way the book flowed from one location to another and low paying jobs to a bit higher paying low waged jobs was very well organized. The references and research she uses to convey her points are well placed and factual. She is seen as a credible source of information due to the fact that she uses personal experience and statistics from credible sources. When I first moved away from home, I too had a job that barely made ends meet. It was a hard learning experience. The main problem with having a low income job was the stress. I was always worried about how I was going to pay my rent, eat...
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...sound like this ideology belongs to my great grant parents but sadly it belonged to my me 19 years ago. This is a clear example of how a poor ideology puts women in disadvantage in comparison to men. Women have faced more discrimination since the foundation of our constitution where little by little women have gained some rights but the gap between men and women still exists. In my thesis I am going to talk about events that took place, so women could get the right to vote, the right to make reproductive decisions, the issue that women is currently facing for equal pay, and two groups that are in pro and against the passage of the paycheck fair act. Many rights that women have today are the result of big efforts made by past women leaders who showed their inconformity of not having the same civil rights as men. As Shea mentioned in the book Living Democracy “The nation’s founders simply took it for granted that women need not to participate in political affairs; they were viewed as being destined for such roles in society as cooks, maids, wives and mothers.” Pg153. The framers of the constitution based on this ideology did not include women’s civil rights in the constitution. Many events took place, so women could get...
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...brilliant. It was short and simple; very easy to remember. Their varieties in the slogan stayed along the original lines of “We are the 99 percent” and started to add additional phrases such as “You are the 1 percent”. The protesters is referring to the “1 percent” of the nation that takes in a very large amount of wealth. “We are the 99 percent” stands as a symbol for the part of the nation that is living in poverty. Keep in mind that if there is around 318 million people in america, 99 percent of them would be almost 315 million people. Now that's a lot that may be a lot of people, but so much as 3 million people are getting a significantly higher income than almost 315 million people. The “99 percent” of people they’re referring to is everyone that isn’t extremely wealthy. It ranges from a person living from paycheck to paycheck to a person that has a steady job with extra money. For example, college students are a portion of this “99 percent”. Usually in huge amount of debt and paying hundreds of dollars for just one class or one book. Sometimes living paycheck to paycheck with their minimum wage jobs. Struggling between going to classes, studying, working, and barely having time for sleep. But it’s not just people in debt, anyone that might have their house paid off and are doing great money wise are still put into the “99 percent” category. The “1 percent” of people are the very wealthy individuals. They come off to this reader as people who own large business or have...
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...emergency rooms see this type of critical events as a daily occurrence. Often you will find that people will go to the emergency department for care because the ER cannot refuse to care for that come to be seen. If we look into the Emergency Medical Treatment and Active Labor Act any person seeking care must receive assessment and immediate care for their ailment. Often the issue is financial, if a patient is seen at a doctor’s office co-pay or full payment is required at the time of service. With many Americans that do not carry medical insurance their ability to attend to the issue prior to it becoming an emergency is not something they can afford. At this time it is estimated that 77% of Americans are living from pay check to pay check (What percentage of Americans Live paycheck to paycheck? 2012). Without having access to a general physician to control this issue the child will end up being admitted to the hospital (Transferring patients, 2008). The Emergency department has become the safety net that catches those that fall through the cracks. If seen in the ER the individual will get the best possible care for the issue they came in for. In this case the child would be kept in the ER until they were able to clear her lungs and free her of the tightness and inability to take a deep breath. At that time the attending doctor will give a prescription for her immediate needs which would be an inhaler. Once the patient leaves the ER the hospital has no control over what happens to her...
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...an optional path for life, not much can be done without the additional education. Usually, the first or second question on a job application asks about school history. I decided to come to college because I thought about so many people with no college degrees, whose living paycheck to paycheck, and I knew I could not live that way. I was always fascinated by the medical field and became inspired to know more. Most importantly, I needed to further my education to increase my impact on society. After school, I receive a letter in the mail from Francis Marion University. I opened it up expecting the, “We’re sorry, but you did not meet our qualifications.” Scenario. However, it was the exact opposite. I received a t-shirt with a detailed promise of my happiness at FMU- My very first acceptance letter. I walked upstairs to my parents’ room and stopped at the newly painted door. They looked at me with suspicion as I raised the t-shirt up to show them my successful accomplishment. Then, my mom become cry. I am the first child of five to ever get in to college had verified whether I made the right decision or not. Having two older sisters who did not make it through high school and is living from paycheck to paycheck and job to job is hard to witness. Without a college degree, you are at the bottom of the hire list and the top of the fire list. My sister landed an amazing job at a daycare facility in a low income area. She was so thrilled because this was the first job in 4 years...
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...Unit10- Personal Finances Marc Wilks Kaplan University MM 212 Professor Heather Bullard October 3, 2015 Having an understanding of basic financial principles is essential for anyone who wants to exercise control over their personal income. Without it, how can anyone plan how to pay for next month’s bills, much less plan for retirement? I learned that a basic knowledge of financial basics is essential if I was to have any chance of being able to make the most of my personal income (LaPonsie, How to Stop Living the Paycheck to Paycheck Lifestyle August 6, 2015). I had my first exposure to basic personal finance the last half of my senior year of high school. I learned about how balance a checkbook, income versus debt, and a little about interest. I did not start to actually use this knowledge until I was out of school and moved out of my parent’s home. When I moved into my first apartment, I was forced to create a budget. I needed to get a good idea of how much money I had coming in and the best way to make that money cover my expenses. When I was married to my first wife, I learned how to operate within a two income budget. This came with its own set of challenges as we had double the expenses to cover. My wife, well ex-wife handled most of the finances but I did manage to learn a thing or two. This experience came in handy when we got divorced and I was solely responsible for my financial matters. I think that to...
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...At the age of nineteen, my mother married her high school sweetheart, all while being pregnant and each of them were only producing 8 dollars an hour. For the first five years of their marriage, they lived in four different rental homes in Kinsley, Kansas and had another child, all while living paycheck to paycheck and trying to keep up with the Jones'. Two years after they had their second child, in 1997, they made a rush decision to move to Scott City, Kansas for the sake of my Grandpa's multiple heart attacks. So, with no jobs, no house, no money, my mother, father, and two brothers loaded everything up to relocate into my aunt and uncle's unfinished basement, only to put more strain on their money finances and family relationships. Three...
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...The community in which I live is very diverse. They diversity is stem from immigrants whom have found a comfortable living arrangement with other members of their race, nationality and origin. The majority of those living in my community are African-Americans, followed very closely by Hispanic and Native Americans. The community in which I live is very urbanized, and residential. In regards to the members of my community, I definitely can relate to them. The reason I find it easy to relate to them is because I find that they are in the same social class as me and other members of my family. The social class in which I am talking about is lower middle class. It seems as though we are always trying to improve our quality of life to cease the “living from paycheck to paycheck cycle.” However, I noticed within the past couple of years, I have seen an abundance of Asian American’s moving to my communities. The rate in which they are populating the community is rapidly growing. I noticed that many of the Asian Americans that have come to live in the area are collectively putting their resources together and opening up restaurants, quick carry out, and liquor stores. I find that those in leadership position tend to treat African American’s as a lost cause. The reason I say this is because, it seems as though those in position of power to make changes do not want change for the minority. Another noticeable item is that many leaders, are not putting forth the effort to beautify...
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...few dollars per day for the rest of your life? Or would you spend a few hours a day working till you made $100 per day and then stop? Better yet , might you spend several hours a day for a month working make $500 per day for the rest of your life? --Think About It-- Normal Jobs Pay For A hour of work, Passive Income Sources pay for a lifetime from a hour of work. This job however isn't normal , for every hour you work, you make money and get paid for the rest of your life! This is the secret of "Residual Income" that the world's wealthiest people talk about. Wouldn't it be nice not to have to worry about where the next paycheck is coming from? Instead, you would have the satisfaction of knowing the exact date and time your check will be in the mail, all you have to do is pick it up. No more living paycheck-to-paycheck No more back breaking work for someone else Setting your own hours of business Working from the comfort of your own home Job SECURITY - Your job can't be shipped overseas I know what you're thinking "This Is Too Good To Be True" But look at a recent "ScreenShot" Of only 2 weeks In January I have been using the Google Money System since October 2008 , and am now up to an astonishing $10,000 PER WEEK! The best part is I only continue to work a few hours a day adding more links. Ready To Start On The Path To Sustainable Income? Step 1: Go to Google Money System and order your free trial system for only $1...
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...Nickel and Dimed In Barbra Ehrenreich’s novel Nickel and Dimed she gives you a play-by-play analysis of her life as a low-income working. She is setting out to reveal whether it is possible to be a single parent, with a low-income job, and kids. She feels the best way to do this is not to just spit out the already published statistics, but to go on a little adventure and actually becomes a person with a minimum paying job. Nickel and Dimed is her whole experience as an unskilled worker first-hand. And in what I would say is the thesis of the novel, Ehrenreich exemplifies exactly what she is trying discover; how does anyone live on the wages available to the unskilled? The argument is simple. Can you live on the salary of a low paying job?...
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...Learning how to live within your means can sometimes be through trial and error.Being thrifty and living frugal will soon become quite popular among our society. Learn from someone with experience and who can show you how to live a quality of life that will not hurt ones's pocket. Having success of being thrifty takes time and experience. Living frugal has been a challenging skill for the working middle class; which includes myself; we need thrifty success. Due to the economy, I have been trying to find ways of keeping more money in my pocket; at the same time,financially being able to keep my living expenses to a minimum. I have analyzed each individual living expense. In each category, I have found avenues of getting the best out of every buck we spend on living expenses. Most of the time household financial management is a sink or swim. Fortunately, budgeting does not require a fancy college degree. Basic arithmetic is the basic requirement of successful money management and living frugal. As we all know, the working class literally works paycheck to paycheck. It is good to have a emergency cushion if an unexpected major expense happens. I know everyone does not have $100,000 just sitting around to be waited on for an unexpected expense. I learned a long time ago for my grandmother that it is always good to save something even if it is just five dollars. That five dollars that you save every week by week or every time you get paid, adds up if you look at the sum...
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...Essay A “Saving Mr. Ugwu” is a novel written by Lin Anderson in 2012. Lin Anderson is a crime novelist and screenwriter and is of Scottish origins. The novel takes place in the African country, Nigeria, and is about Mr. Ugwu and his life. Mr. Ugwu is a workingman, who lives with his family. Because of his job, he is been forced to move from their nice neighborhood and surroundings in Lagos into the wilderness in the African bushes. His wife does not like living in the bushes and Mr. Ugwu quickly realizes that it is not fair to bring his family out into this uncivilized way of living, but Mr. Ugwu keeps reminding himself that his company has been very good to him, so he does not feel like he is in the position to argue and he therefore stays with his family in the bushes. Mr. Ugwu seems like a man who is always conscientious towards his job, and one day, he gets the task to hand out the paychecks to the rest of the black employers. Since the white men does not think that the black workers did their job well enough, they give them a much smaller amount of money than usual, which results in the employers being very unsatisfied and upset with Mr. Ugwu. They end up going to Mr. Ugwu’s house to protest, because it was him, who handed out the envelopes. At last, the protest stops and Mr. Ugwu and his family moves back to Lagos. Mr. Ugwu was born in Lagos and is an Igbo (a tripe in Nigeria). He is the main character in the story and has a wife and very gifted children, who has a...
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