Ray From Cleveland
Diamond Member
- Aug 16, 2015
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The food stamps weren't responsible for their bad decision. Turning down increased family income because you will lose some or all your SNAP benefits is always a bad financial decision because the increase in income will more than compensate you for any lose of benefits. All this person had to do was contact the local SNAP office, call the toll free SNAP number, or use one of the online SNAP benefit calculators. They would see immediately that it is to their financially advantage to increase their income.SNAP benefits phase out gradually as you earn more money. For example a family of 4 (1 adult and 3 kids) living in Texas with an income of $2,000/mo will get $200/mo in SNAP benefits.Looks can often be deceiving, particular when you're looking for a certain behavior which you seem to be.Not from what I've seen.
My grocery store is loaded with Food Stamp whores. You should see what these people put in their carts.
Yes, they buy the food with their SNAP's cards, but it's never just SNAP food. Afterwards, they load up the belt with greeting cards, flowers, huge bags of dog food or cat litter, cigarettes and beer. A carton of cigarettes here cost a little over sixty bucks. And of course, they pull out that wad of cash to pay for those things.
A couple of times I've been behind them and because they walk so slow (due to their weight at times) I see the vehicles they load their goodies in. I wish I could afford some of those vehicles that they own.
I have a work acquaintance that moved in a few doors down from me a couple of years ago. When I seen him at work, we began talking about his move there. It's a HUD house and he gets to live there for free because it's in his girlfriends name. He works full-time and doesn't make bad money.
One day I seen him move out and later asked him what was up? He told me his girlfriend didn't like the house they moved into because it was on a main street, and she didn't like the noise. Poor dear. So HUD found them a house on a quieter street.
It's bad enough we have to keep a roof over their heads, and it's bad enough it's in the suburbs where working people live. But for crying out loud, now we have to custom taylor a home for people like this too????
SNAP benefits can be as low as $15/mo although the average across the country is about $250/mo. More than 80 percent of adults participants work in the year before or after receiving SNAP. . 44% of all SNAP participants are children and 70% of all benefits go to households with children. Having an EBT card certainly does not make you a welfare queen.
Yes, I do look at behavior. And there is no reason why taxpayers should be feeding people who are using their cash (that they work for) to feed their multiple pets instead of themselves. It reminds me of the family I threw out of my apartment for not paying their rent a couple of years ago.
While these goodies may help a select few people, it precludes others from bettering themselves because they don't want to lose those benefits.
A friend of mine works at a company that uses a lot of temporary help. When things get busy, they ask these workers if they can work more hours. The answer is usually NO. Why? Because they need to keep their income below a certain level before they start losing their SNAP's benefits.
I work in industry and see similar events. Some of our customers only hire temps. They put them to work for several months to sort of try them out. If the worker shows signs of being a good worker, that's who they hire from the agency instead of hiring from outside.
So who do you think they will choose when they need to hire somebody full time--a person who will only work so many hours because of their SNAP's benefits, or a person that's willing to give them their all anytime they need it?
Now suppose you have the opportunity to increase your income by $500/mo. Your SNAP benefits will go down $120, but that will be offset by your addition $500 in income. Now suppose you increase your monthly income by $1,000/mo. You would lose all your SNAP benefits, $200 but it will be offset by your addition $1,000 income. The way SNAP benefits are calculated, you will always come out ahead by earning more money.
www.ndhealth.gov/dhs/foodstampcalculator.asp .
This is true, but people who use SNAP don't think that way. I'll give you a personal example with one of my tenants:
This was an unmarried couple with two children: one about 12 and the other 3. He worked full time but refused to work an hour over 40; a millennial thing from what I understand. She stayed home supposedly home schooling the children even though she was dumb as all hell herself.
They kept getting more and more behind on rent. When it got to the point of over a month away, I called them to my apartment to discuss the situation.
Since she stayed home with the kids all week long, and he didn't work an hour past 40, I suggested that she get a part-time job on the weekends when he was home so somebody could watch the kids. We have all kinds of no-skill jobs around here, so if she worked two 10 hour days a week, that would not only solve their rent problem, but also other problems they had such as their car falling apart.
She didn't even consider it. Why? Because she was getting $250.00 a month in food stamps and any income would interfere with that benefit. They didn't have the money to get another apartment with security (since I was keeping theirs) so I had to go to court and evict them.
Bottom line: because of those food stamps, they lost their home, he now has a court record for being evicted which will haunt them for many years to come, he could have lost his job after I forced his company to garnish his wages. All for what? $250.00 a month in food stamps.
My son and his family were on SNAP for about 8 months. It paid $300 of their $600 grocery bill each month which certainly helps make ends meet if you have a long period of unemployment. However, SNAP cards certainly don't cover everything. For starters, they don;t cover:
toilet paper, tissues, napkins, paper towels, laundry detergents, dish washing soap, toothpaste, denial floss, soaps of any type such hand soap, bath soap, household cleaning soaps and detergents, tampons, pads, and basically anything you can't eat.
Another problem is you can't use EBT cards in all stores. Until recently you could not use them at COSTCO. Many of the deep discount stores do not accept them nor do most online food merchants. Unlike credit cards, if and EBT card is lose or stolen and used, you're out of luck because there will be no refund.
EBT cards help with food purchases but they're no substitute for having cash in bank.
Well again, I agree with you. But the mindset of those on these programs is that they are working for free because of the loss of benefits.
They know fully well they can get a little further ahead by abandoning the programs and earning their own money. But there's a catch: they have to work.
If the option is available, people will live on less if it means no or less work. For instance: if my former tenant took a part-time job for $8.00 an hour, by the end of the month (using two-ten hour days per week) she would earn about $800.00 before taxes. After taxes, about $650 or so. But if she lost her SNAP's benefits of $250.00, that brings her down to about $400.00 a month.
Sure, that's about $80.00 per week cash. But is it worth giving up all of your weekends for $80.00 a week? Of course not. For $80.00 a week or so, it's so much better to just sit around the house.
Mind you, she also had an Obama phone, but I don't know what those limits are to get one of those. My former tenants also had three cats and a very large dog. The both smoked cigarettes as well as their 12 year old daughter who they supplied tobacco products to.