Hi! The place in our county where we go to apply for jobs. It's one of those ,1 stop job places that supposed to have everything you need & they are pretty good. They have computers to use for job searches & you can learn Microsoft office & word . They have the software to do this & they have a list of places that are hiring. Here's the kicker : they have you sign in to pick up the job sheets or do anything there & the information they want you to put down is your name, LAST 4 DIGITS OF YOUR SOCIAL SECURITY NUMBER, home phone & address. I told her no & she didn't like it. My son put his down . He was in there before I saw that.Every person who walks up to the desk sees this & I ca remember things like that , so how many people have info they shouldn't??I was wanting to talk to the SS office to ask them to talk to the people about asking for this info. I actually think it's illegal for them to ask for it , as it isn't a SS program. Another thing I don't like is having to put my street address on my vehicle registration. A woman here in Ohio, last year was murdered by someone who stole her car, then got her address off her registration, went to her home ,molested her 4 year old son, murdered her & kidnapped him. It could have all been avoided if her street address was only on the records they run , if you are pulled over. Lisa
Hi! Actually, it would be great to find a minimum wage job right now. My son , 18 has applied lots of places, all that are taking applications & hasn't had 1 phone call in 6 months.
Hi! I don't know where you can get jobs without I.D. here in US.They have you bring in 2 forms of I.D. for every job hired for.Unless it would be working under the table(people hiring without employers paying S.S. like supposed to).
I hear this a lot. When the economy is good, we can't raise the minimum wage because everything's fine and we don't want to mess with it. When the economy is bad, we can't raise minimum wage because the economy might get worse. Some people can never be happy.
The minimum wage of a couple of years ago--$5.15, I think--was brutal. My husband had to work for it for a while. We worked the first three weeks of the month to make rent money, and visited the food bank regularly.
The minimum wage hike is a good thing. Debate about the timing is a red herring.
OMG, I'm so sorry for what you are going through Guest 76. First I really hope that your daughter will be okay and I hope you get your money soon and find a better financial company.
In response to Marina Martin above, the author did state that some non-minimum wage workers will get raises just because people being paid less than them will get an automatic raise. If you read the WSJ article they actually quote a business owner who says he will have to increase wages for his non-minimum wage workers because of this. So yes, millions will be affected because people who do not earn just the minimum wage will also get pay hikes. Also, the author wrote that a 10.7% pay increase is pretty rare in this economy, and that is true. I don't know ANYONE who is getting a 10.7% pay raise.
My parents started giving me allowance since I entered elementary school. I also earned points for doing chores. One point for easy things like making the bed every morning, putting my toys away. Three points for big things like helping mom separating clothes for laundry, etc. One point equals to one quarter. I would save all of my money because I felt like I had to work hard for it. I bought my first bicycle at the end of third grade. Boy, did I love that bike! Oh, at that time, I kept all of my money inside a piggy bank. I had like 3 or 4 of them. It was simple really but I did learn that saving money does not require big effort just consistency.
I am 26 now. Every month, I only spend 10 percent (after rent,utilities) of my paycheck as my "I can but whatever" money. The rest goes into my saving account. I don't have credit card debt. I bought my car in cash. I don't deprive myself because of being frugal. It is actually quite liberating to know that I have a good safety net.
Well, its obviously not a hoax... the cards are real and the company provides a real debit card service. I have to agree with the majority here, that their method of expanding the customer base is tactless and somewhat unscrupulous. Probably the most notable fact in this thread is that with the exception of this last post from Guest 76, all of the actual netspend customers who posted seem content with the service, despite the fact that they are undoubtedly paying higher fees than those charged by some of the other prepaid debit providers. Many people can benefit from this type of service, but it is certainly wise to check out the other options before deciding to sign up.
no repercussions - no knowing its provenance - if it was 'clean' cash, then you simply pay it forward with new eleemosynary deeds - if it was formerly 'dirty' dollars, then use it to redress the dark deeds of its past - no way to lose
Just so you know, I live quite comfortably on $1,000 a month (Social), but that 200 grand would go much further if spent on microloans ($100 to start a bakery in Mali), filing a pro bono appeal ($350) on behalf of a 13-year old who's request for a judicial bypass to get an abortion has been denied by an activist judge who is trying to "save the babies," hiring a few folks to bang on a few of the right doors (or phone numbers) and raise funds to place one of Nick Negroponte's $199 laptops in the hands of every inner-city kid in the country, or rent a belly-up, big box store, put up rent-free stalls for folks newly unemployed and want to try their own business; they pay a small % of their profit.
You can do a lot with $200K. And who gives a hang if it came from a good family, or not. NjW
According to the US Bureau of Labor Statistics, there are 2.2 million Americans being paid minimum wage, and 50% of those are under the age of 25 (i.e. teen/college kids). The number of people making minimum wage in the states that don't have higher mandates likely totals around one million, so your "millions" statement is incorrect.
Last year on July 24, federal minimum wage increased from $5.85 to $6.55, an 11% increase, so a 10.7% raise this year is not quite rare.
While a brand-new McDonalds line worker will probably make minimum wage or slightly higher, workers there receive overtime pay and raises just as in other industries.
Increasing the minimum wage decreases the number of jobs/hours available for people with no skills, making it harder for them to gain skills that they can use to earn promotions and better jobs in the future.
I literally began saving when I was 5 years old. My mom gave me $1 to clean my room. I did a great job and worked really hard and knew with my new dollar I could buy 2 pieces of candy. After that, I scrimped and saved by collecting cans every day from school and taking them in for recycling. After I'd saved $20.00 I would take my Mom (single mother with 2 kids) out for dinner at Sizzler. This usually took me about a month to save up. I really loved the one-on-one time I got with my mom going to Sizzler because she had to work 2 or 3 jobs at a time to make ends meet. It was a special mother/daughter only treat for us both.
After that, I'd seen my mother fussing over the bills, writing checks and crying. I knew I could do more than collect bottles and cans. I lied about my age when I was 8 years old and got a paper route so I could pay for my own clothes and candy and school supplies. I think it really gave my mom some relief and pride and taught me the value of hard work.
Allow me to say that this company needs to be stopped! We loaded $1,113 dollars on our card so we could purchase airline ticket for my son in law who was in Germany to urgently fly back to state as his new wife my daughter had been attacked stabbed 8 times and in critical condition and this company blocked the card so we could not access our money or get access online as we got message contact customer service which cost us 50 cents each call only to be placed on hold then transferred back to automated system and charge again 50 cents. I was outraged as my daughter lay dying this company was trying to steal our money and what I found so strange was that we could not purchase anything with card yet NETSPEND COULD GET THEIR CHARGES FOR CUSTOMER SERVICE!! AFTER ALL NIGHT OF fighting to speak with a manager we finally got to speak with one who lied and told us hold was being lifted but it was not.The next morning I began to call them until I got a hold of another manager who did get hold lifted BUT BEFORE WE COULD FINISH BOOKING FLIGHT THE BLOCK WAS BACK ON! EVERYONE WHO HAS HAD A PROBLEM WITH THIS COMPANY NO MATTER HOW SMALL CONTACT BETTER BUISNESS AND FILE COMPLAINTS. ANS AS OF RIGHT NOW WE STILL CANT USE THIS CARD OR GET OUR MONEY BACK AND AS IF ALL MY FAMILY HAS BEEN THREW IN THE LAST 48HRS WE STILL HAVE NOT GOT MY DAUGHTERS HUSBAND HERE TO WE PRAY THAT WE GET HIM HERE IN TIME
I've been saving for as long as I can remember. My parents got me a passbook savings account at our local bank when I was little and deposited part of my allowance there so I could watch it grow. It was nice to have money saved up so I could buy a new Barbie or something a little nice for myself during the year (as long as I got permission first!).
Yes, Xin , I do agree with you. Now stop and think seriously, about what I say.The difference between now and then is this.
The U.S. required all imigrants to prove they could sustain their own welfare here in the U.S.. Now we don't even require any I.D. to get a job. American Citizens Can't get a minimum wage job, because illegals will work for less than minimum Wage.
The illegals could care less about what they make, because our Government chooses to give illegals their U.S. rights, without being citizens, let alone, breaking the laws we set up for for all imigrants, during the great Depression.
A bunch of well-off cheapskates commenting here. Sorry giving your local unskilled worker a barely-living wage will make your groceries a little higher! My God.
Interestingly enough one of the theories as to why the Great Depression was so great is that wages were kept high and that reduced the number of jobs. I don't think that's happening right now since many companies are cutting wages, but I do believe that minimum wage workers will see less jobs due to this hike.
I'm all for the poor,and low scale worker, but this is the wrong time. If your not watching your increase's as of yet, hold on, you will see something happen that never happened in the great Depression.
I had them in high school, back when there was still Home Ec. It's a great life skill. Now that there's so much in thrift stores I buy my clothes there, but I still mend and alter. And it's great to be able to pick up thrift store sheets and turn them into decorative pillows, table skirts, etc.
I think Home Ec and Shop should be required in HS, both classes for both sexes. If people graduated with some idea of how to take care of themselves, they'd have a lot fewer money problems.
I'm all that you have above except I've a short limit of how far I'd got to be the 'super customer'. I try once & if I really like them twice...after that I simply move on to the best available.
"What about getting SOME ENJOYMENT out of the undies?!"
Ahem ... 'fraid we got a little TOO much enjoyment out of the silky skivvies. After having three "surprise" kids in 5 years in our forties (after having already reared 3 older ones to college age) we decided maybe we should be instigating a little less "enjoyment" ;-)
According to this: http://aspe.hhs.gov/poverty/09poverty.shtml the poverty line is $10k for a single person and $14k for 2 people in the 48 contiguous states and DC. It's a bit higher in Alaska & Hawaii. So basically full time minimum wage workers aren't defined as in poverty unless they have a huge household. There are also tax credits and other aid available.
This is interesting, because the poverty line is right around $16,000 right now. The new minimum wage will pull many people over it. I wonder if this is an attempt to skew statistics?
Either way, I think that the increase in minimum wage means an increase in everything else. Like groceries and gas. Which means a tighter budget for me.
With a minimum wage of $7.25, a full-time employee will be earning $15,080 annually.
That's about what I was making in 1979 at a Wall Street Law firm as a paralegal one year out of Yale. And I was happy to get it.
And there are cries that this new rate is still not a "living wage" -- from the people who have been making sure for the last 30 years that it wouldn't be.
Right now I make over $90,000 per year. Will that be the new minimum wage in 2039? Just might be.
Hi! The place in our county where we go to apply for jobs. It's one of those ,1 stop job places that supposed to have everything you need & they are pretty good. They have computers to use for job searches & you can learn Microsoft office & word . They have the software to do this & they have a list of places that are hiring. Here's the kicker : they have you sign in to pick up the job sheets or do anything there & the information they want you to put down is your name, LAST 4 DIGITS OF YOUR SOCIAL SECURITY NUMBER, home phone & address. I told her no & she didn't like it. My son put his down . He was in there before I saw that.Every person who walks up to the desk sees this & I ca remember things like that , so how many people have info they shouldn't??I was wanting to talk to the SS office to ask them to talk to the people about asking for this info. I actually think it's illegal for them to ask for it , as it isn't a SS program. Another thing I don't like is having to put my street address on my vehicle registration. A woman here in Ohio, last year was murdered by someone who stole her car, then got her address off her registration, went to her home ,molested her 4 year old son, murdered her & kidnapped him. It could have all been avoided if her street address was only on the records they run , if you are pulled over. Lisa
Hi! Actually, it would be great to find a minimum wage job right now. My son , 18 has applied lots of places, all that are taking applications & hasn't had 1 phone call in 6 months.
Hi! I don't know where you can get jobs without I.D. here in US.They have you bring in 2 forms of I.D. for every job hired for.Unless it would be working under the table(people hiring without employers paying S.S. like supposed to).
I hear this a lot. When the economy is good, we can't raise the minimum wage because everything's fine and we don't want to mess with it. When the economy is bad, we can't raise minimum wage because the economy might get worse. Some people can never be happy.
The minimum wage of a couple of years ago--$5.15, I think--was brutal. My husband had to work for it for a while. We worked the first three weeks of the month to make rent money, and visited the food bank regularly.
The minimum wage hike is a good thing. Debate about the timing is a red herring.
OMG, I'm so sorry for what you are going through Guest 76. First I really hope that your daughter will be okay and I hope you get your money soon and find a better financial company.
In response to Marina Martin above, the author did state that some non-minimum wage workers will get raises just because people being paid less than them will get an automatic raise. If you read the WSJ article they actually quote a business owner who says he will have to increase wages for his non-minimum wage workers because of this. So yes, millions will be affected because people who do not earn just the minimum wage will also get pay hikes. Also, the author wrote that a 10.7% pay increase is pretty rare in this economy, and that is true. I don't know ANYONE who is getting a 10.7% pay raise.
My parents started giving me allowance since I entered elementary school. I also earned points for doing chores. One point for easy things like making the bed every morning, putting my toys away. Three points for big things like helping mom separating clothes for laundry, etc. One point equals to one quarter. I would save all of my money because I felt like I had to work hard for it. I bought my first bicycle at the end of third grade. Boy, did I love that bike! Oh, at that time, I kept all of my money inside a piggy bank. I had like 3 or 4 of them. It was simple really but I did learn that saving money does not require big effort just consistency.
I am 26 now. Every month, I only spend 10 percent (after rent,utilities) of my paycheck as my "I can but whatever" money. The rest goes into my saving account. I don't have credit card debt. I bought my car in cash. I don't deprive myself because of being frugal. It is actually quite liberating to know that I have a good safety net.
Well, its obviously not a hoax... the cards are real and the company provides a real debit card service. I have to agree with the majority here, that their method of expanding the customer base is tactless and somewhat unscrupulous. Probably the most notable fact in this thread is that with the exception of this last post from Guest 76, all of the actual netspend customers who posted seem content with the service, despite the fact that they are undoubtedly paying higher fees than those charged by some of the other prepaid debit providers. Many people can benefit from this type of service, but it is certainly wise to check out the other options before deciding to sign up.
no repercussions - no knowing its provenance - if it was 'clean' cash, then you simply pay it forward with new eleemosynary deeds - if it was formerly 'dirty' dollars, then use it to redress the dark deeds of its past - no way to lose
Just so you know, I live quite comfortably on $1,000 a month (Social), but that 200 grand would go much further if spent on microloans ($100 to start a bakery in Mali), filing a pro bono appeal ($350) on behalf of a 13-year old who's request for a judicial bypass to get an abortion has been denied by an activist judge who is trying to "save the babies," hiring a few folks to bang on a few of the right doors (or phone numbers) and raise funds to place one of Nick Negroponte's $199 laptops in the hands of every inner-city kid in the country, or rent a belly-up, big box store, put up rent-free stalls for folks newly unemployed and want to try their own business; they pay a small % of their profit.
You can do a lot with $200K. And who gives a hang if it came from a good family, or not. NjW
According to the US Bureau of Labor Statistics, there are 2.2 million Americans being paid minimum wage, and 50% of those are under the age of 25 (i.e. teen/college kids). The number of people making minimum wage in the states that don't have higher mandates likely totals around one million, so your "millions" statement is incorrect.
Last year on July 24, federal minimum wage increased from $5.85 to $6.55, an 11% increase, so a 10.7% raise this year is not quite rare.
While a brand-new McDonalds line worker will probably make minimum wage or slightly higher, workers there receive overtime pay and raises just as in other industries.
Increasing the minimum wage decreases the number of jobs/hours available for people with no skills, making it harder for them to gain skills that they can use to earn promotions and better jobs in the future.
I literally began saving when I was 5 years old. My mom gave me $1 to clean my room. I did a great job and worked really hard and knew with my new dollar I could buy 2 pieces of candy. After that, I scrimped and saved by collecting cans every day from school and taking them in for recycling. After I'd saved $20.00 I would take my Mom (single mother with 2 kids) out for dinner at Sizzler. This usually took me about a month to save up. I really loved the one-on-one time I got with my mom going to Sizzler because she had to work 2 or 3 jobs at a time to make ends meet. It was a special mother/daughter only treat for us both.
After that, I'd seen my mother fussing over the bills, writing checks and crying. I knew I could do more than collect bottles and cans. I lied about my age when I was 8 years old and got a paper route so I could pay for my own clothes and candy and school supplies. I think it really gave my mom some relief and pride and taught me the value of hard work.
Allow me to say that this company needs to be stopped! We loaded $1,113 dollars on our card so we could purchase airline ticket for my son in law who was in Germany to urgently fly back to state as his new wife my daughter had been attacked stabbed 8 times and in critical condition and this company blocked the card so we could not access our money or get access online as we got message contact customer service which cost us 50 cents each call only to be placed on hold then transferred back to automated system and charge again 50 cents. I was outraged as my daughter lay dying this company was trying to steal our money and what I found so strange was that we could not purchase anything with card yet NETSPEND COULD GET THEIR CHARGES FOR CUSTOMER SERVICE!! AFTER ALL NIGHT OF fighting to speak with a manager we finally got to speak with one who lied and told us hold was being lifted but it was not.The next morning I began to call them until I got a hold of another manager who did get hold lifted BUT BEFORE WE COULD FINISH BOOKING FLIGHT THE BLOCK WAS BACK ON! EVERYONE WHO HAS HAD A PROBLEM WITH THIS COMPANY NO MATTER HOW SMALL CONTACT BETTER BUISNESS AND FILE COMPLAINTS. ANS AS OF RIGHT NOW WE STILL CANT USE THIS CARD OR GET OUR MONEY BACK AND AS IF ALL MY FAMILY HAS BEEN THREW IN THE LAST 48HRS WE STILL HAVE NOT GOT MY DAUGHTERS HUSBAND HERE TO WE PRAY THAT WE GET HIM HERE IN TIME
I've been saving for as long as I can remember. My parents got me a passbook savings account at our local bank when I was little and deposited part of my allowance there so I could watch it grow. It was nice to have money saved up so I could buy a new Barbie or something a little nice for myself during the year (as long as I got permission first!).
Yes, Xin , I do agree with you. Now stop and think seriously, about what I say.The difference between now and then is this.
The U.S. required all imigrants to prove they could sustain their own welfare here in the U.S.. Now we don't even require any I.D. to get a job. American Citizens Can't get a minimum wage job, because illegals will work for less than minimum Wage.
The illegals could care less about what they make, because our Government chooses to give illegals their U.S. rights, without being citizens, let alone, breaking the laws we set up for for all imigrants, during the great Depression.
John
A bunch of well-off cheapskates commenting here. Sorry giving your local unskilled worker a barely-living wage will make your groceries a little higher! My God.
Interestingly enough one of the theories as to why the Great Depression was so great is that wages were kept high and that reduced the number of jobs. I don't think that's happening right now since many companies are cutting wages, but I do believe that minimum wage workers will see less jobs due to this hike.
I'm all for the poor,and low scale worker, but this is the wrong time. If your not watching your increase's as of yet, hold on, you will see something happen that never happened in the great Depression.
John
I had them in high school, back when there was still Home Ec. It's a great life skill. Now that there's so much in thrift stores I buy my clothes there, but I still mend and alter. And it's great to be able to pick up thrift store sheets and turn them into decorative pillows, table skirts, etc.
I think Home Ec and Shop should be required in HS, both classes for both sexes. If people graduated with some idea of how to take care of themselves, they'd have a lot fewer money problems.
I'm all that you have above except I've a short limit of how far I'd got to be the 'super customer'. I try once & if I really like them twice...after that I simply move on to the best available.
Another related article:
http://www.pickthebrain.com/blog/how-to-deal-with-call-centers/
BTW, you book page is very aesthetic. Whoever did it, really liked doin' his/her job. Loved it.
I only wonder why 'Savin' money' books are so expensive.
"What about getting SOME ENJOYMENT out of the undies?!"
Ahem ... 'fraid we got a little TOO much enjoyment out of the silky skivvies. After having three "surprise" kids in 5 years in our forties (after having already reared 3 older ones to college age) we decided maybe we should be instigating a little less "enjoyment" ;-)
According to this: http://aspe.hhs.gov/poverty/09poverty.shtml the poverty line is $10k for a single person and $14k for 2 people in the 48 contiguous states and DC. It's a bit higher in Alaska & Hawaii. So basically full time minimum wage workers aren't defined as in poverty unless they have a huge household. There are also tax credits and other aid available.
This is interesting, because the poverty line is right around $16,000 right now. The new minimum wage will pull many people over it. I wonder if this is an attempt to skew statistics?
Either way, I think that the increase in minimum wage means an increase in everything else. Like groceries and gas. Which means a tighter budget for me.
With a minimum wage of $7.25, a full-time employee will be earning $15,080 annually.
That's about what I was making in 1979 at a Wall Street Law firm as a paralegal one year out of Yale. And I was happy to get it.
And there are cries that this new rate is still not a "living wage" -- from the people who have been making sure for the last 30 years that it wouldn't be.
Right now I make over $90,000 per year. Will that be the new minimum wage in 2039? Just might be.
I'm hoping an "illegal" uses my SSN and makes oodles of money, which is then reported as my base income for retirement benefits. :) It happens!
This plot is quite similar to the classic story "The Monkey's Paw," by W.W. Jacobs. Creepy!