Thursday, September 29, 2011

Free Art Download: Like Us (CC-BY)

like-us-sample

(shown actual size)
What you get: This image with a transparent background in both PNG and PSP vector formats.

Font used is Cooper Black which you will need to open the PSP vector file.

Released under a Creative Commons Attribution license suitable for both commercial and non-commercial use.

This item has been moved to my art site.

Sunday, September 25, 2011

What Republicans Do Not Want You To Know About Poverty and Taxes

skinny piggy

 

The poverty line in 2010 for a family of four was $22,314.

The Fair Labor Standards Act, which sets the minimum wage at $7.25 per hour, is one of the most violated of all the federal labor laws.

About 15% of all wage earners in the US are earning at or below the minimum wage.

The average full time minimum wage worker earned about $15,000. ($7.25 per hour x 40 hours x 52 weeks = $15,080)

She paid at least 20% of her income in taxes.

Even though it might be true that she had no federal income tax liability, she still had other taxes to pay.

Payroll taxes such as

  • Social Security
  • Medicare
  • Disability
  • Unemployment
  • State income tax
  • sometimes local income tax

She also had additional taxes such as

  • sales tax
  • excise tax on fuel
  • USF surcharges on
    • telephone service
    • natural gas
    • electricity
  • property taxes, even if she rents (it would be hidden in the cost of her rent)

Additionally, she pays for her healthcare out of her pocket because minimum wage jobs do not come with healthcare benefits.  She pays a higher price for a doctor's office visit than the insurance companies do. ($75 self pay vs. $35 paid by insurance) If she ever needs to go to the hospital, it could easily cost her over $4500*, even more if she has to be admitted.

She also does not get retirement benefits and is looking at a reduction in her income down to about $600 per month when she is too old to work and begins collecting Social Security, and will be expected to pay a portion of that to receive Medicare benefits. And that is only if there is still a Social Security system by the time she is old enough to collect.

A typical minimum wage worker is not a teenager from a middle-class family flipping burgers for some extra pocket cash to buy CDs, movie tickets, lipstick, nail polish, and video games.

Most minimum wage workers are women, standing on their feet all day working various jobs within the service industry. They are some of the hardest working people in this country.

Many are single mothers with more than one child, and many of those are receiving little or no child support to help offset the costs of raising those children. They also have the additional costs of child care, if they have no family support system capable of providing free care so that they can work.

 

And Republicans think they make too much money and need to have their wages cut, by either reducing or eliminating the minimum wage. They also want to cut or eliminate the social programs that help them to survive. They actually think this will help the poor and lift them out of poverty.

 

* I do not have medical insurance. I pay out of my pocket for all of my medical care. Back in 2006 I passed out in my kitchen, which resulted in a head injury requiring 8 staples to close the wound. I was taken by ambulance to the nearest hospital, which resulted in a bill that was just over $3000. This did not include the additional charges for physicians fee, lab work, or the MRI. Those were billed separately and were an additional $1500. My town is one of the small number in this area that provides a free ambulance service to its residents, but if they didn't, the ride would have been an additional $300.

If you don't pay these bills, the hospital may sue you, which could result in garnishment of your wages, which has the potential of knocking a minimum wage worker's pay down to about $150/week until the debt is paid off (with interest, court costs, and lawyers fees). There is also the very real possibility that instead of or in addition to garnishment, the court may seize your bank account (woe to you if you just made a deposit to pay your rent) and/or the local Sherriff may come in, seize and sell off the contents of your home, leaving you with no more than $1000 in personal assets and possessions.

Thursday, September 01, 2011

Google Accounts Are Restricted to People Age 18+

Google-Plus-ImageIt seems a lot of parents are very upset about their children under age 13 having their Google accounts deleted. They seem to think that since Google didn't explicitly ask for an age at the time the account was created, that their young children could have one. It wasn't until Google Plus was launched that they learned differently.

Children are having their Google accounts deleted, Picasa photos, emails to Grandma, school work in Google Docs, and all, for violating the age restriction, when they enter their age when joining the Google Plus social networking service.

The Google Terms of Service clearly states in Section 2.3

2.3    You may not use the Services and may not accept the Terms if (a) you are not of legal age to form a binding contract with Google, or (b) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

While most websites have a clause in their contract barring use by those under 13 years of age (there is a law restricting that), Google has chosen to word their Terms of Service in such a way that it bars any US resident under the age of 18, because minors under 18 can not legally form a binding contract with anyone.

Let this be a warning not only for those under age 13, but for those age 13-17, as well. Google may delete your account and everything in it, if they find out that you lied about your age by agreeing to their Terms of Service. If you are under 18 and have a Google account, yes, you did lie to get it.

Always read the Terms of Service. If you don't, it could come back to bite you later.