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Old 11-04-2009, 10:38 PM   #1 (permalink)
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Here it is - Being on SSI can be better than "Normal Life"

Quite a few of you guys PM'd me on how to do things being on SSI.
And Jiro telling me to "Just do it." Here it is in pay, and savings form.

Suppose you have a family of three. You, Your spouse, and a child.
All of you are Deaf.

Instantly $1900+ in SSI checks every month. ($680 per person) More if the parents are on SSDI with previous good jobs.
edit: $2700+ in California, and Florida. Plus some other benefits in these states that should never be mentioned.

Food stamps benefits: For the family of three - can be more than $450 a month.

Section 8 Housing - You spend anywhere from $50-300 on rent a month. Savings of at least 500/month. (There are some places that are really nice that are provided for people on section 8, the only issue is that the people living there will probably never leave. It makes it harder for others to find a nice place to live)

Free insurance (100% coverage) Savings of $400-800 a month.

Daycare Costs $600-1000 a kid a month saved.

Since the kid is deaf and you had a preferred school for your child to go to, about 50 miles away. You can convince the district to pay you to drive the child to school daily. That is 100 miles twice a day. (two round trips a day, yes they will pay you for the trip back and forth without the kid.) 20 times a month. The current federal rate is 50.5 cents per mile. That's $2000 a month of free money. If you were smart, you would channel it into a business and use it all up, or at least make your profits under $5000, you wouldn't be required to report it.

In some areas you can get assistance for furniture, technology, heating, and many other stuff.
I know a guy who just moved into a new state with NOTHING, and had the state buy him his entire apartment full of furniture - sofa, dining table, dresser, bed frame, mattress, TV stand. Then the same state bought some technology stuff as fire alarm, bed alarm, etc for him. Everything brand new.

Benefits: you get to be with your child 24/7. You have this immense freedom to do whatever you want to do. No need to report to anyone.

So, with this setup - You have an income of $4300 a month. $450 in food stamps for food obviously, and $3600 for whatever you want.
$300 rent, No Daycare fees, No Insurance premiums. (Savings of $500 in rent, $600-$1000 in daycare fees, $400-800 in insurance = savings of $1500-2300 a month.)

You can choose to work. You and your spouse at $20 an hour will make $4800 a month AFTER taxes, then you have to pay for insurance, daycare, high rent, and the stress. (But not many people in the general population actually makes $20 an hour, just throwing that out as an example) So, $4800 minus $800 for rent, minus $600 for daycare, minus $350 for food, minus $500 for insurance for family = around $2500 after all the expenses.

So, Totaling the checks and savings: Family on SSI = $5800-$7300 a month from the government. Family that has two $20 an hour jobs = $4800.

Pick your posion.
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Old 11-04-2009, 10:41 PM   #2 (permalink)
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Even without the child going to a school 50 miles away - You still will end up with $1600 after all the expenses. Not too bad for not working.
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Old 11-04-2009, 10:43 PM   #3 (permalink)
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there you go....



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Old 11-04-2009, 10:56 PM   #4 (permalink)
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Oh, don't forget free college too.
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Old 11-04-2009, 11:08 PM   #5 (permalink)
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I will be honest with you guys here, I know no one who earn that much from SSI.
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Old 11-04-2009, 11:09 PM   #6 (permalink)
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I will be honest with you guys here, I know no one who earn that much from SSI.
good! if lot of us know who can earn that much from SSI... the government would close the loophole or tighten the regulation. these cunning people will want to stay low.
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Old 11-04-2009, 11:22 PM   #7 (permalink)
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good! if lot of us know who can earn that much from SSI... the government would close the loophole or tighten the regulation. these cunning people will want to stay low.
I have one question for you, have you been on SSI? They are so strict and very caution with people who live on SSI. They check on them all the time so how can I see what this point is all about but if it was SSA or SSDI then it will be a different story. Many polliticals earns over 3 thousand dollars thru SSA.
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Old 11-04-2009, 11:24 PM   #8 (permalink)
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Originally Posted by jazzy View Post
I have one question for you, have you been on SSI? They are so strict and very caution with people who live on SSI. They check on them all the time so how can I see what this point is all about but if it was SSA or SSDI then it will be a different story. Many polliticals earns over 3 thousand dollars thru SSA.
Yeah, They're strict.

The above was what I did for 5 years. Just so you know. It was until I left my daughter's mother. After that it was not quite feasible living on the system. But still can be done. The secret is just to spend, spend, spend, spend. Thats why I had so many vacations, cutting edge gaming system*S*, All sorts of gaming consoles, played softball nonstop all over the place, played poker in Vegas win pure cash that can't be tracked, etc.

$50 rent and $700 check a month (SSDI) $200 in food stamps. You're basically set for the month really if youre single.
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Old 11-04-2009, 11:37 PM   #9 (permalink)
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I thought that when you work for six month, your SSI might be automatically stopped.
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Old 11-04-2009, 11:40 PM   #10 (permalink)
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From what I've heard, a family of 4, if their income is below $22,000 a year, are eligible for Food Stamps, only. (Florida). Medicaid is usually free.

As for Section 8 Housing, there is a long waiting list, sometimes over a year. And often times, offered in high-crime neighborhoods. If you turn down an offer for housing, knowing it's high-crime or not a desirable neighborhood, then you'll go back down to the bottom of the waiting list again. Another year of waiting......

$2700 monthly for SSDI in Calif. and Florida? (for both parents, or each?)....haven't seen that yet! I retired on medical in 1996, very good job @ $24/hr., but my SSDI was NO WHERE CLOSE TO $2700 a month. And I worked at the same company for close to 25 years. (Florida).

The government/state does not want you to have anything of value when you apply for SSI or SSDI!...If you've got Cable, then cut it and buy more food! You don't need a vehicle! If you've a savings account, they want to know how much, and expect you to use that before receiving any government aid.

Also, they don't consider ur car/insurance payments, or any outstanding bills. If you live in a reasonably nice neighborhood.....say $900/month, then they expect you to move to a cheaper house/apt.

If there is any way around these "loop holes" I'd like to know!
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Old 11-04-2009, 11:45 PM   #11 (permalink)
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Originally Posted by jazzy View Post
I have one question for you, have you been on SSI? They are so strict and very caution with people who live on SSI. They check on them all the time so how can I see what this point is all about but if it was SSA or SSDI then it will be a different story. Many polliticals earns over 3 thousand dollars thru SSA.
no
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Old 11-04-2009, 11:52 PM   #12 (permalink)
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Originally Posted by rockin'robin View Post
From what I've heard, a family of 4, if their income is below $22,000 a year, are eligible for Food Stamps, only. (Florida). Medicaid is usually free.

$2700 monthly for SSDI in Calif. and Florida? (for both parents, or each?)....haven't seen that yet! I retired on medical in 1996, very good job @ $24/hr., but my SSDI was NO WHERE CLOSE TO $2700 a month. And I worked at the same company for close to 25 years. (Florida).

If there is any way around these "loop holes" I'd like to know!
Do the math - three people x $680 a month in most states, or in california 900 x 3. $2700 for the entire family.
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Old 11-04-2009, 11:56 PM   #13 (permalink)
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Remind me to acquire a few Deaf children.
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Old 11-05-2009, 12:01 AM   #14 (permalink)
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before I forget:

Disclaimer: You have to be really creative to pull all this off. I left some important details out - if you don't think twice, the SSA will be after you.
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Old 11-05-2009, 12:09 AM   #15 (permalink)
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things like mailing services....
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Old 11-05-2009, 08:14 AM   #16 (permalink)
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I heard some people using SSI/SSDI for years for just comfortable living.

I was told by my former manager in NJ that one family earns $300K and filled out for NJ state free insurance, then they got it. How did they do that? Because intake counselor took their application and OVERLOOKED their income, so they got accepted in the first place. They are still using a free insurance even though they earn $300K. I am not kidding. It can happen anywhere because there are always loopholes in the system.
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Old 11-05-2009, 08:29 AM   #17 (permalink)
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I thought that when you work for six month, your SSI might be automatically stopped.
Only if you work full time more then the SGA per month. The SSA says the current for year 2009 is 980 per month. for 2010 is 1000 per month. As I understand if you earn 980 exactly per month all the time, then the SSA will wonder why can't you earn more and stop payments. If you earn slightly less then the SGA per month and have it vary then you will be all set. Keep in mind that this is BEFORE taxes, not after tax deducted from your paycheck.

NOW - to make it more confusing- The trial to work period you were thinkin gof for 9 months - the earning starts at 700 per month for year 2009 and 720 for 2010.

This is why I get pissed when I ask my freinds when they need extra money why not get a part time job and they all freak out afraid of losing thier SSI/SSD. Just stay below the SGA/trail to work amounts and the trail to work amounts and make sure you report it to SSA.

To sum it up - Go get a part time job and earn about 700 bucks a month before taxes/deductions or less and still receive your SSA money without fear. this will allow you to feel productive, earn extra cash you desperately need.

LOOK guys- if we just pool our sources of info and help each other, we can be better off in the future and get away from this recession blues.

two sources of info:

Trial Work Period

Substantial Gainful Activity
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Old 11-05-2009, 10:45 AM   #18 (permalink)
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Yeah, They're strict.

The above was what I did for 5 years. Just so you know. It was until I left my daughter's mother. After that it was not quite feasible living on the system. But still can be done. The secret is just to spend, spend, spend, spend. Thats why I had so many vacations, cutting edge gaming system*S*, All sorts of gaming consoles, played softball nonstop all over the place, played poker in Vegas win pure cash that can't be tracked, etc.

$50 rent and $700 check a month (SSDI) $200 in food stamps. You're basically set for the month really if youre single.
Are you proud of what you did?
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Old 11-05-2009, 12:01 PM   #19 (permalink)
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Are you proud of what you did?
Interesting question. Why would I need to be proud of it?

I'm taking a bit of time to think about it at this moment, and I have totally no emotions towards what I did.

During this time I also was part of several non-profit organizations doing a lot of work for no pay. I could help the community that I wanted to help, without even needing anything in return. So yes, I was proud of that.

I'm the person that does not really care for "moral standards." I wouldn't be bothered if other people do it as well. It's there for people to use it.
I do advocate it in situations where people want to improve them selves but are "stuck by work, and can't pursue their dreams."

It's just that I look at it this way: I am paying into the system right now for the times I used it, and the times I'm going to use it in the future. Like the people who want to pursue their dreams - professional athletes, starting up a business, etc.. THESE dreams will pay into the system more in the long run than them working the 8-5 she-bang. So, which is better?

All in all, I would do it again if I wanted to.

Edit:
I'm going to add this: I see life differently than most people. The way I think is really different than most. I really dislike the idea of going to college, working for a company for 30+ years following the same routine day-in, day-out then retire to "finally be able to do the things I want to do." I'm going to live life like it will end tomorrow, so - I want to have fun. I will spend time with friends, family. I spoil these who are near me. (How many people do you know will take a bottle of Johnny Walker Blue Label and share it with everyone?)

Just saying.
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Old 11-05-2009, 12:02 PM   #20 (permalink)
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Only if you work full time more then the SGA per month. The SSA says the current for year 2009 is 980 per month. for 2010 is 1000 per month. As I understand if you earn 980 exactly per month all the time, then the SSA will wonder why can't you earn more and stop payments. If you earn slightly less then the SGA per month and have it vary then you will be all set. Keep in mind that this is BEFORE taxes, not after tax deducted from your paycheck.

NOW - to make it more confusing- The trial to work period you were thinkin gof for 9 months - the earning starts at 700 per month for year 2009 and 720 for 2010.

This is why I get pissed when I ask my freinds when they need extra money why not get a part time job and they all freak out afraid of losing thier SSI/SSD. Just stay below the SGA/trail to work amounts and the trail to work amounts and make sure you report it to SSA.

To sum it up - Go get a part time job and earn about 700 bucks a month before taxes/deductions or less and still receive your SSA money without fear. this will allow you to feel productive, earn extra cash you desperately need.

LOOK guys- if we just pool our sources of info and help each other, we can be better off in the future and get away from this recession blues.

two sources of info:

Trial Work Period

Substantial Gainful Activity
I forgot about including that as well...... All the more reason.
Ive said this before, and I'll say this again. So many stuff out there!
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Old 11-05-2009, 12:22 PM   #21 (permalink)
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As for Section 8 Housing, there is a long waiting list, sometimes over a year. And often times, offered in high-crime neighborhoods. If you turn down an offer for housing, knowing it's high-crime or not a desirable neighborhood, then you'll go back down to the bottom of the waiting list again. Another year of waiting......
A friend of mine is on section 8 right now. His place is in one of the most luxurious neighborhoods in Boulder, Colorado. His condo has code to access the front door, and has a patrol 24/7. He has a really nice two bedroom condo that backs to the swimming pool.
He pays $80 a month. The normal cost for that condo is $2000 a month. He did not wait very long to get the place either. I don't even think it was 3 months.
Theres virtually no ghetto in Boulder as well.
.... just saying that it's possible to get it in a nice area. Just gotta be selective.

Add:
His contribution to the community is helping his family out on whatever. He's always helping someone out. He also host some of the best parties you can find, and often at his place. =D
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Old 11-05-2009, 06:45 PM   #22 (permalink)
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If I could make over $2,000 a month off from SSI or SSDA, I would quit my job cuz I am tired of all the political BS with oralism vs. ASL and the parents bitching and complaining about our jobs. Sorry..had to vent.

The kids are what keeps me going. My heart is for them. I love them so I seriously doubt I would get myself to quit. I would miss them terribly.
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Old 11-05-2009, 08:12 PM   #23 (permalink)
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Edit:
I'm going to add this: I see life differently than most people. The way I think is really different than most. I really dislike the idea of going to college, working for a company for 30+ years following the same routine day-in, day-out then retire to "finally be able to do the things I want to do." I'm going to live life like it will end tomorrow, so - I want to have fun. I will spend time with friends, family. I spoil these who are near me. (How many people do you know will take a bottle of Johnny Walker Blue Label and share it with everyone?)

Just saying.
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Old 11-05-2009, 08:31 PM   #24 (permalink)
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A friend of mine is on section 8 right now. His place is in one of the most luxurious neighborhoods in Boulder, Colorado. His condo has code to access the front door, and has a patrol 24/7. He has a really nice two bedroom condo that backs to the swimming pool.
He pays $80 a month. The normal cost for that condo is $2000 a month. He did not wait very long to get the place either. I don't even think it was 3 months.
Theres virtually no ghetto in Boulder as well.
.... just saying that it's possible to get it in a nice area. Just gotta be selective.

Add:
His contribution to the community is helping his family out on whatever. He's always helping someone out. He also host some of the best parties you can find, and often at his place. =D
I heard about Boulder and how it is a town for the rich. How did he get approved of this?
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Old 11-05-2009, 08:31 PM   #25 (permalink)
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Originally Posted by posts from hell View Post

Edit:
I'm going to add this: I see life differently than most people. The way I think is really different than most. I really dislike the idea of going to college, working for a company for 30+ years following the same routine day-in, day-out then retire to "finally be able to do the things I want to do." I'm going to live life like it will end tomorrow, so - I want to have fun. I will spend time with friends, family. I spoil these who are near me. (How many people do you know will take a bottle of Johnny Walker Blue Label and share it with everyone?)

Just saying.

Yup, life is short. I wanna have fun too! If I could retire on disability, I'd get more than SSDI....just might do it! Thank you for the push. I'd rather take a bottle of Jack and share it with everyone.
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Old 11-05-2009, 08:35 PM   #26 (permalink)
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Interesting question. Why would I need to be proud of it?
I didn't say that you would need to be proud of what you did. I asked if you were proud of what you did. You brag about how you had fun on the taxpayers' dime, so I'm wondering if you were proud of your behavior.

Quote:
I'm taking a bit of time to think about it at this moment, and I have totally no emotions towards what I did.
So, no guilt?

Quote:
During this time I also was part of several non-profit organizations doing a lot of work for no pay. I could help the community that I wanted to help, without even needing anything in return. So yes, I was proud of that.
So that's your justification?

Quote:
I'm the person that does not really care for "moral standards."
So you are amoral?

Quote:
It's just that I look at it this way: I am paying into the system right now for the times I used it, and the times I'm going to use it in the future. Like the people who want to pursue their dreams - professional athletes, starting up a business, etc.. THESE dreams will pay into the system more in the long run than them working the 8-5 she-bang. So, which is better?
What do you mean by "better?" Morally, ethically, economically, or what?

Quote:
All in all, I would do it again if I wanted to.
So, no remorse?


Quote:
I'm going to add this: I see life differently than most people. The way I think is really different than most.
Not really. Your mindset is all too common these days.
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Old 11-05-2009, 08:41 PM   #27 (permalink)
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posts from hell, are you currently supporting your daughter both emotionally and financially?
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Old 11-05-2009, 08:44 PM   #28 (permalink)
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I didn't say that you would need to be proud of what you did. I asked if you were proud of what you did. You brag about how you had fun on the taxpayers' dime, so I'm wondering if you were proud of your behavior.


So, no guilt?


So that's your justification?


So you are amoral?


What do you mean by "better?" Morally, ethically, economically, or what?


So, no remorse?



Not really. Your mindset is all too common these days.
Reba, how about those employers feeling some remorse for finding excuses not to hire qualified deaf people due to discrimination? I know so many deaf people who did everything right by going to college and getting the skills and knowledge to land good jobs only to be turned away by the "phone" excuse. Sometimes, people will forget about being "moral" when it didnt do them anything good in the first place. I know of a teacher who is deaf who wont get hired to work in the public schools so she is working as an aide in one earning barely over $10 an hour and hoping that she will prove it to the administrators that she is more than qualified to be a teacher but it had been 5 years. She finally quit and is now on SSI due to not being able to find anything. 5 years of being passed over teaching jobs because she has no speech skills?

I know so many others who are working at low paying jobs unrelated to their field in which they got their degrees in and still get passed over promotions at their jobs. If it was one or two people then I would think maybe it could be due to other factors but over 50 people? Something is not right.
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Old 11-05-2009, 08:48 PM   #29 (permalink)
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and plenty of discrimination that they could find a way to make deaf people suffer with their jobs that leads to the common consquences in the difficult situations.
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Old 11-05-2009, 08:57 PM   #30 (permalink)
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Quote:
Originally Posted by shel90 View Post
Reba, how about those employers feeling some remorse for finding excuses not to hire qualified deaf people due to discrimination?
They aren't the ones creating this thread or making posts here. I can't very well question them here if they aren't posting here.

Quote:
I know so many deaf people who did everything right by going to college and getting the skills and knowledge to land good jobs only to be turned away by the "phone" excuse.
Yes, that's a lousy situation.

Quote:
Sometimes, people will forget about being "moral" when it didnt do them anything good in the first place.
No, people don't "forget" about being moral. They make a choice.

Quote:
I know of a teacher who is deaf who wont get hired to work in the public schools so she is working as an aide in one earning barely over $10 an hour and hoping that she will prove it to the administrators that she is more than qualified to be a teacher but it had been 5 years. She finally quit and is now on SSI due to not being able to find anything. 5 years of being passed over teaching jobs because she has no speech skills?
I'm very sorry about her situation but that doesn't justify pfh's actions. He's responsible for his own choices.

Maybe if people like pfh didn't take advantage of the "system" so much there would be more money available for those who really need it.

Quote:
I know so many others who are working at low paying jobs unrelated to their field in which they got their degrees in and still get passed over promotions at their jobs. If it was one or two people then I would think maybe it could be due to other factors but over 50 people? Something is not right.
Do you really believe that the actions of people like pfh make things better for those who want jobs but can't get them?
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