100,000 living for free in Inland Empire

[Arraya]

[quote=briansd1]

Chronic unemployment will be with us for a some years.
..[/quote]

Or, even better, the unemployed on “chronic” will be with us for years.

[UCGal]

[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]

How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)

Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]

She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.

Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.

She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.

It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.

[UCGal]

[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]

How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)

Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]

She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.

Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.

She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.

It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.

[UCGal]

[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]

How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)

Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]

She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.

Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.

She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.

It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.

[UCGal]

[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]

How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)

Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]

She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.

Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.

She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.

It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.

[UCGal]

[quote=briansd1][quote=UCGal] Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage [/quote]

How is she paying for health insurance? Is she paying COBRA? COBRA assistance (government paid 1/2) will soon expire and she’ll have to cover the whole amount of health insurance out of pocket (maybe $800/mo but likely more than $500/mo)

Medi-cal is means tested so if she has savings, she and her son will likely not qualify until they exhaust personal resources.[/quote]

She is, or at least was, on cobra.
She’s been selling things in her house to get extra cash. She’s liquidated her non-retirement savings and is now at the point where she’s going to have to dip into her retirement savings… Not good for someone middle aged. Not only the penalty – but how do you make up for that loss of savings when you’re no longer young.

Her son is on mediCal. He’s an adult – but recently had an extreme medical circumstance that landed him in the hospital/skilled nursing care for months. He cannot go back to work, yet. Physically can’t do it. I’m pretty sure he’s on disability.

She’s been participating in every training available through EDD. (Actually, EDD provided some pretty good opportunities for certificates in specialty IT fields at UCSD – she’s been all over that.) She’s also been boning up on other skills to make herself more marketable.

It’s not pretty out there. If you have a job – don’t piss off your boss. If you don’t… good luck.

[Werewolf]

Current scorecard:
1) We had 10% U-3 unemployment and 20% U-6 unemployment in CA.
2) An average house (say 2000SF) is $600-$800K in SD County. Well out of reach of the average joe
3) Local leaders voted thru a 15% bump in pay for themselves while rank and file govt workers take unpaid days
4) We’ve bailed out the banks who created the bad loans (only one CEO being forced out) and banker bonuses were up 17% from last year
5) We’re trying to bail out people who treated real estate like a speculative stock
6) We’re NOT pursing the agents of the bubble – agents, mortgage bankers
7) We’re NOT forcing people to face up for bad decisions
8) Housing prices were up in 2009 from 2008
9) Our currency is a real danger of becoming worthless as hyperinflation will likely come with any real recovery
10) We are spending so much money in stimulus but it is top down stimulus.

If you lived responsibly, you’ve gotten the short end of the stick
1) less chance at a good job, let alone a salary increase
2) housing still unaffordable
3) a huge increase in your share of the national debt and a faint glimmer of a social security check (at age 80 when that will kick in)

We argue about Republicans and Democrats but this has become a power and money grab by the rich and the pols that depend on them.

There is no hope because there is no change. Obama can’t do it; Palin can’t do it.

Fiddling while Rome burns,

[Werewolf]

Current scorecard:
1) We had 10% U-3 unemployment and 20% U-6 unemployment in CA.
2) An average house (say 2000SF) is $600-$800K in SD County. Well out of reach of the average joe
3) Local leaders voted thru a 15% bump in pay for themselves while rank and file govt workers take unpaid days
4) We’ve bailed out the banks who created the bad loans (only one CEO being forced out) and banker bonuses were up 17% from last year
5) We’re trying to bail out people who treated real estate like a speculative stock
6) We’re NOT pursing the agents of the bubble – agents, mortgage bankers
7) We’re NOT forcing people to face up for bad decisions
8) Housing prices were up in 2009 from 2008
9) Our currency is a real danger of becoming worthless as hyperinflation will likely come with any real recovery
10) We are spending so much money in stimulus but it is top down stimulus.

If you lived responsibly, you’ve gotten the short end of the stick
1) less chance at a good job, let alone a salary increase
2) housing still unaffordable
3) a huge increase in your share of the national debt and a faint glimmer of a social security check (at age 80 when that will kick in)

We argue about Republicans and Democrats but this has become a power and money grab by the rich and the pols that depend on them.

There is no hope because there is no change. Obama can’t do it; Palin can’t do it.

Fiddling while Rome burns,

[Werewolf]

Current scorecard:
1) We had 10% U-3 unemployment and 20% U-6 unemployment in CA.
2) An average house (say 2000SF) is $600-$800K in SD County. Well out of reach of the average joe
3) Local leaders voted thru a 15% bump in pay for themselves while rank and file govt workers take unpaid days
4) We’ve bailed out the banks who created the bad loans (only one CEO being forced out) and banker bonuses were up 17% from last year
5) We’re trying to bail out people who treated real estate like a speculative stock
6) We’re NOT pursing the agents of the bubble – agents, mortgage bankers
7) We’re NOT forcing people to face up for bad decisions
8) Housing prices were up in 2009 from 2008
9) Our currency is a real danger of becoming worthless as hyperinflation will likely come with any real recovery
10) We are spending so much money in stimulus but it is top down stimulus.

If you lived responsibly, you’ve gotten the short end of the stick
1) less chance at a good job, let alone a salary increase
2) housing still unaffordable
3) a huge increase in your share of the national debt and a faint glimmer of a social security check (at age 80 when that will kick in)

We argue about Republicans and Democrats but this has become a power and money grab by the rich and the pols that depend on them.

There is no hope because there is no change. Obama can’t do it; Palin can’t do it.

Fiddling while Rome burns,

[Werewolf]

Current scorecard:
1) We had 10% U-3 unemployment and 20% U-6 unemployment in CA.
2) An average house (say 2000SF) is $600-$800K in SD County. Well out of reach of the average joe
3) Local leaders voted thru a 15% bump in pay for themselves while rank and file govt workers take unpaid days
4) We’ve bailed out the banks who created the bad loans (only one CEO being forced out) and banker bonuses were up 17% from last year
5) We’re trying to bail out people who treated real estate like a speculative stock
6) We’re NOT pursing the agents of the bubble – agents, mortgage bankers
7) We’re NOT forcing people to face up for bad decisions
8) Housing prices were up in 2009 from 2008
9) Our currency is a real danger of becoming worthless as hyperinflation will likely come with any real recovery
10) We are spending so much money in stimulus but it is top down stimulus.

If you lived responsibly, you’ve gotten the short end of the stick
1) less chance at a good job, let alone a salary increase
2) housing still unaffordable
3) a huge increase in your share of the national debt and a faint glimmer of a social security check (at age 80 when that will kick in)

We argue about Republicans and Democrats but this has become a power and money grab by the rich and the pols that depend on them.

There is no hope because there is no change. Obama can’t do it; Palin can’t do it.

Fiddling while Rome burns,

[Werewolf]

Current scorecard:
1) We had 10% U-3 unemployment and 20% U-6 unemployment in CA.
2) An average house (say 2000SF) is $600-$800K in SD County. Well out of reach of the average joe
3) Local leaders voted thru a 15% bump in pay for themselves while rank and file govt workers take unpaid days
4) We’ve bailed out the banks who created the bad loans (only one CEO being forced out) and banker bonuses were up 17% from last year
5) We’re trying to bail out people who treated real estate like a speculative stock
6) We’re NOT pursing the agents of the bubble – agents, mortgage bankers
7) We’re NOT forcing people to face up for bad decisions
8) Housing prices were up in 2009 from 2008
9) Our currency is a real danger of becoming worthless as hyperinflation will likely come with any real recovery
10) We are spending so much money in stimulus but it is top down stimulus.

If you lived responsibly, you’ve gotten the short end of the stick
1) less chance at a good job, let alone a salary increase
2) housing still unaffordable
3) a huge increase in your share of the national debt and a faint glimmer of a social security check (at age 80 when that will kick in)

We argue about Republicans and Democrats but this has become a power and money grab by the rich and the pols that depend on them.

There is no hope because there is no change. Obama can’t do it; Palin can’t do it.

Fiddling while Rome burns,

[scaredyclassic]

why should people work for a subsistence wage? I think i may have heard that it is actually more efficient to pay some people not to work. they should receive mandatory training on how to enjoy life on a low budget.

[scaredyclassic]

why should people work for a subsistence wage? I think i may have heard that it is actually more efficient to pay some people not to work. they should receive mandatory training on how to enjoy life on a low budget.

[scaredyclassic]

why should people work for a subsistence wage? I think i may have heard that it is actually more efficient to pay some people not to work. they should receive mandatory training on how to enjoy life on a low budget.

[scaredyclassic]

why should people work for a subsistence wage? I think i may have heard that it is actually more efficient to pay some people not to work. they should receive mandatory training on how to enjoy life on a low budget.

[Author]

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