The U.S. financial system this weekend faced its gravest crisis in modern times, as regulators resorted to triage on Wall Street to contain the spreading damage from a meltdown in the housing and mortgage market.
Especially coupled with the knowledge that far too many women are flailing in the American economy:
When the unemployment rate for women went from 4.6 percent in July to 5.3 percent in August, it was the largest one-month spike in the jobless rate for women in more than 33 years.
Black women were hit even harder, as their unemployment rate jumped 21 percent, from 7.5 percent in July to 9.1 percent in August.
Among single mothers and women with families, unemployment climbed to 9.6 percent in August — the highest level in 15 years….
About 43 percent of all working women earn half or more of their family’s income…
My granny was a single mom: a woman who rebuilt her life after my grandfather ran off with another woman and sold their home, which granny re-purchased working three jobs while raising two children. The woman was a rock. She taught me hard work and earning my own keep as a stop-gap. And to get my education.
She worked menial jobs at minimum wage — cooking for a local school, scrubbing floors, doing people’s washing and ironing and baking on the side…anything to make ends meet.
One thing I learned watching her was that in tough economic times, the first things to go are luxuries. When folks can barely afford groceries, they cut back on outside hires for housework, yard work, you name it. Workers on the margins with a scanty education, often single moms with no safety net, get hit first.
But it isn’t just single mothers, it’s also women at retirement age feeling the current pinch:
While some women are working late in life because they want to, others work because they have to….
A worker in 2008 needs annual earnings of at least $4,200 to earn enough credits for the earnings to count in one’s work history. Thus, some part-time work – more likely done by women – won’t qualify.
Also, more women than men cycle in and out of the work force because of child-care or parent-care reasons, which can cut into the highest earning years.
As a result, the average woman’s monthly Social Security retirement benefits check, as of December 2006, was $905 for women, compared with $1,178 for men….
I’ve lost count of the number of older women I’ve spoken with at the drug store, calculating which of their medicines they could afford and still be able to eat for the month. And with a limited budget or a fixed income, the rising cost of everything makes things all the tighter:
Bottom line is that food prices are up 7 percent this year. Fuel is up more than 16 percent….
"I am slightly anxious, yes, and worried more about young families with children and the elderly on fixed incomes," said Lynda Sceiford. "Good nutrition is so important for them, and it’s getting harder to afford."…
And I have a feeling it’s going to get worse instead of better. These are all issues around the kitchen tables of women in America — the question is which candidate cares more about them? We’ve dug ourselves into a deep financial hole under the last eight years of Republican laissez-faire, "I got mine, screw you" economics. Those 8 years weren’t really such a bargain for the rest of us, were they?
Related posts:
- The Shining Bacon, er, Beacon on the Hill
- RNC Ad Compares Pelosi to Pussy Galore — Time For Women to Exit the GOP?
- G. Gordon Liddy Thinks Women Should Stay At Home Until Menopause
- Blue America Launches New TV Initiative in Arkansas — And We Need You
- Late Night: Mothers and Others and Money, Freakers (NSFW Video)





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the first presidential debate is supposed to be about foreign policy. I really hope Obama ties the costs of the Iraq war to the current state of the economy.
We’re in a world of hurt, Christy!
Hi, Christy. These are frightening times indeed. I was raised by my mom after my dad left when I was a baby in 1947 and I have no idea how she did it. My fear is that it’s going to get worse, a lot worse, before it gets better.
Digg it.
Great Post Christy! When the crap hits it always women and kids who catch the dirty end of the stick.
What’s the phrase? Privatize the benefits, socialize the risk.
That’s what the “rescue” will amount to. I think we’re in the middle of the collapse of the Financial Services bubble. Is there an “Index” for that?
Bob in HI
Well, if you don’t have bacon, there’s always mooseburgers. :-(
Both ends of that stick are dirty and the working poor will get hit by both.
I think back to a day at the grocery store earlier this summer. The clerk was ringing up each item individually, so the woman in line ahead of me would know if she was at a limit. I got the impression it was a church voucher for food, since the welfare ones use debit cards now. As they got closer to the end, I’m looking at what was in her cart, not one item of junk food. I was planning on paying for whatever put her over the top, but it wasn’t necessary. She had her purchases within 50 cents of her max.
When she left with her groceries, the clerk apologized for the wait and thanked me for my patience. That caught me by surprise, since I was just thankful I was not in that woman’s shoes, but impressed at the same time about her buying skills. There is probably a lot of that going on.
I know people who eat moose and bear, because what they kill is the only meat they can afford.
John “Herbert Hoover” McSame is not the answer to your prayers my pretties…
It’s time to get off the PUMA bus and get in the game for Obama.
Yes we will.
Privatize the profits . . .
Thank you Christy. I am very fortunate that I can earn money by tutoring and supplement my half-time job. Also fortunate to be in a school district that gives benefits to half-time workers. Not sure I could live independently without those two factors.
Great post, Christy. We’ve had the same lady cleaning our house for almost 15 years. She’s fighting serious health issues and helping to raise two grandchildren. I haven’t had the heart to ask how many clients she has lost recently, but I’ll bet there are several who’ve had to cut back.
Aside: I just looked back at a post of yours I bookmarked last spring on lobbyists in McCain’s campaign. There are a lot of them in the financial sector. I think there is a very good story ripe for the picking if someone has the time to string together a detailed list of financial lobbyists working in the McCain campaign and the role they, with McCain’s help, have had in rolling back the oversight McCain suddenly claims to want back.
I have been a single mom of 4 kids. Worked three jobs to get a master’s degree and became a licensed mental health professional. I help survivors of domestic violence and sexual assault. Sometimes I don’t feel like a rock. Sometimes I think, “what’s wrong with me? Why can’t I be successful like some of my “foremothers” who were single and continue to impress me today.
But here are some differences that single women face today, that were not around in the yesteryear. It’s not the same today and many, many women are facing bankruptcy because of these financial stressors that no one talks about and that a woman cannot control. I am sure there were stressors back then that we don’t have now…but…okay it’s a pity party!!
1) I was sued by my ex husband after 10 years of healthy, peaceful, we get along fairly well, divorce. He got wife number 3 who didn’t want to pay child support and sued me. My kids had a support system, and I had worked hard to buy a home in a nice neighborhood walking distance from their school. He manufactured the “reason” and the courts never asked to see the report cards or the history of report cards that had showed average grades all along…not a drop in grades as he charged. It cost me 10k to defend my kids (13 and 15 years old) desire to stay with me. Ridiculous. A waste of money, time, stress!! I won and his child support was increased.
2) After 10 years of paying his child support dutifully because he was a computer analyst with a large salary, and after losing his custody case, he quit his 150k job and moved to the state next door, and suddenly quit paying child support after 10 years of regular support. This next to medical expenses is the top reason women file for bankruptcy.I would have handled non payment and not depended on his income, but for years I thought we had a good relationship and he always paid it.
3) When during the custody battle my landlord decided to sell the house I had been renting for 4 years, I decided to try to buy the house on my own. My income was not high enough without considering my child support payment that he had been paying for 10 years. So they steered me into a subprime loan, despite my 750 credit rating. My house was not an expensive house and they never told me my income wasn’t high enough or that the child support was WHY it was subprime. They didn’t tell me it was subprime but it was the year 2000 and back then…no one knew about these loans. So I got a predatory lender, who when he quit paying his child support and caused me to fall two months behind put me straight into foreclosure.
4) A sixth month foreclosure where they would not take my calls, faxes or checks to pay off the loan. During that six months I tried to pay off the back payments, but they sent them back. One week before foreclosure they sent me a refinance agreement that had me refinancing 6 months worth of payments plus several thousand in legal fees, inspection fees and even miscellaneous. The refinance was at a 24% interest rate, with no grace period. One day late and you go back to foreclosure.
Now, my granny might have had a bad loan officer try to get sex for mortgage payments and that would be worse, but there are a few things going on today that make modern life for the single or divorced woman a lot more stressful than the old days!! Between custody battles, the myth of child support and predatory lenders…well, it’s more like a horror flick!!
What about women who can’t shoot squirrels and moose and deer…to survive…what about that?
Have we been reduced to this????
Reduced?
Are we going to put up with that????
What are we peons?????
I reject that. I’m not a peon.
My country has been usurped by a cabal, and I’m not going to put up with this.
and Christy, so many of these women are sooo busy keeping food on the table, the heat on, roof over head – they are the least likely to vote (as discussed here in the past)
22 million failed to register in 2000
15 million in 04 (even though unmarrieds favored Kerry 2 -1)
HRC’s campaign did lots of outreach and I am encouraged by BO’s unprecedented registration numbers
will continue to make it a personal priority, but we gotta get better at empowering them
thanks so much for sharing all that.
i have never seen a penny in child support from my ex because my kid spends more nights at his house than at mine each night. ain’t easy.
(((wavpeac)))
each MONTH. not each night. each MONTH.
TPM has a page devoted to the subject – just google
McCain’s Campaign Lobbyists – talkingpointsmemo
We should never have gone in.
The intelligence information was pretty good, but Bush ignored it.
Once there Congress had to fund the troops.
Congress couldn’t defund it or end it because Bush wanted the war.
Once we discovered there weren’t any WMD we could’ve left.
Once we got Saddam we could’ve left.
Once we found there weren’t many AQ sympathizers we could’ve left.
Bush simply doesn’t want to leave. And will leave it to the next President.
We have to get out very soon.
It’s costing us tons of money and lives.
We need our National Guard at home to help with disasters.
We need to get to Afghanistan to find AQ leadership.
We need change!
Thanks…it’s really not that bad. I filed chapter 13 and am working to pay off the predator. My hope is that i can get refinanced. I have never missed a payment and am paying 48 a month extra. But honestly, no one ever talks about what these custody suits are doing or how these lenders are ruining average americans credit and life! Maybe I was a credit risk but I would have been able to repay the back payments by the third month because the courts got on him and forced him to pay me a big sum of money. However I was a thou short and the lender was saying I had to pay off the whole loan. Well you can’t get refinanced while in foreclosure.
Anyway…I am good today, my buget in order making my payments and protected from the lender until the end of the bankruptcy. AT that point I have to sue to get my correct payoff as they have me going backwards in my loan. It’s really incredible what they can get away with and how little is said about the totally illegal behaviors of these companies.
Oh, wavpeac, what a nightmare. Terrible.
I know divorce laws vary from state to state. In CA, the person paying support cannot quit their job or take a lower paying one to decrease their payments.
You had the triple whammy.
No disagreement but single women with kids are more susceptible as a group to financial downturns. They are more likely to be below the poverty line.
We don’t need no stinking pundits to tell us about the economy….
they can in texas. happened to a good friend of mine.
I can’t explain how the Republicans can have any electoral traction at all in this economy. The only explanation I can come up with is that the Democrats are actively TRYING to lose. Of course, I can’t understand why the population isn’t in the street with torches and pitchforks either, so maybe I just don’t understand anything at all…
Thanks! Bookmarked.
Except me. *g*
Again, terrible. Adding insult to injury.
Great post, Christy. Here’s some more reality for you: my disability allotment is more than your statistics say the average man’s social security is, plus I get $133 from my ex’s pension. Still, with $730 house pmt, nearly $400 in util & ins., I also need to decide whether I can afford to buy Spiriva, Lipitor, Advair and Actonel at $39 each copay and still eat. Usually Actonel gets cut. Frequently I beg for drugs from my doctors or from a family friend who is a doctor. I pretty much have to because when I have to see one of my doctors, that’s an extra $35 fee due to his being a specialist (either pulmonary or cardiac.) I’ve even gotten donations of drugs from friends and family. I have had to get some teeth extracted, and my sons had to pay. It is, what’s the word, deflating to the ego, debilitating, demoralizing to be in that position. That’s all I have to say.
And what do YOU need a stinking pundit for? Oh. never mind.
OMG, wavpeac. I’m so sorry you were exploited in this way. horrible.
Couldn’t agree with you more. Election is Obama’s to lose and he chose Door #2.
Hugs Ann!!!!
I am a stinkin pundit.
(((Ann in AZ)))
Got back from working for Obama.
One of the things that ticks me off is how these predators will undoubtedly be in the front pew on sunday and assuming a holier than thou attitude. From my days as a religious person it seems like their Gawd had a lot more to say about predators than about abortion
Dugg it
I am hoping that Obama is just trying to keep his powder dry. I dunno. It seems he has been running a good campaign so far. Even FOX NEWS was holding a GOP dood “accountable” on McCain’s negative ads. Doh?
I think you smell nice. :] It’s McCain’s campaign that stinks…
“Hope” is not a policy.
Here’s a link to a non-profit org that helps struggling families get (more) affordable food.
We’re setting up the program at my church.
http://www.angelfoodministries.com/
Those smells are much better than they are cracked up to be.
If we had a well-informed electorate in this country the Republicans wouldn’t have a chance. Also, the GOP just happens to excel at pandering to an uninformed electorate with wedge issues, etc..
A well-informed electorate is a good long-term goal but in the meantime, Dems need to figure out how to reach the American Idol demographic.
yes, i know. i was having fun with taking your comment the other way.
I did enjoy listening to Chris Matthews tear up the cindybot Nancy Pfofenthal (sp?) on her stuff about McCain isn’t tied to his party platform of ruining the economy. He kept saying the reagan line over and over “are you better off than you were 8 years ago?”
No we’re worse off, MUCH worse.
My bad. How’re you after your treatment? Pain less/same/more?
bbl pups.
You want another divorce horror story. My cousin married a soldier 30 or so yrs ago. Had her 1st child in Germany pretty much alone. After leaving the army he went to college while she supported him. Eventually, he worked himself up to a fab job (hospital administrator). After years of either struggling or doing so-so, all the work was paying off. While pregnant with 3rd child, he started an affair and left her. The judge gave her one year of alimony to get on her feet. She had no skills, no education. Shortly thereafter she met and married another guy (I think it was her lifeboat). Problem was, she would have to move. Ex-hubby slapped a court order forbidding her from taking kids out of county. The marriage collapsed. She was back to being on her own with a crappy job and her child support payments. Meanwhile, ex-hubby gets an even better job offer and moves out of state. Where’s the justice?
It’s no longer 61 cents on the dollar for women, but even ~81 cents doesn’t tell the real story. Because this is only an average of “working women”. And, I suspect those the likes Carly are skewing the average upwards.
Women’s wages, rights still lag behind men
snippet from above ~~The most recent data from the Bureau of Labor Statistics suggests that women are leaving the labor force. There were about 140,000 fewer women working or looking for work in July than there were the month before. Some would like to say that women are leaving the workforce because they “want” to stay home.
But the reality of this labor market, combined with family economics, suggests that women aren’t working because they can’t find jobs. Again, it is clear that women, especially those who head households, are the most likely to be challenged by economic hard times.
African-American and Hispanic women are those most likely to live at the bottom, to experience the greatest challenges.~~~
See ya.
wavpeac: make sure when you finish your Chapter 13 that your lawyer gets an order from the bankruptcy court saying that you are current on your mortgage. It sounds like your mortgage company will try to screw with you when you complete your plan.
Your link is forbidden, VG. And hi!
If Dems can’t drive THAT message home they don’t deserve to win.
Of course, the fact that most of them have acted as Bush enablers these past eight years does muddy the water some.
wavpeac are you still here?
I wondered if there is a legal aid society in your county, that would help you? Or if the local paper, has a Help the Consumer Column, that at least would expose the lender.
My thoughts are with you.
Divorce horror shows. Heard my share. Am very happy that mine wasn’t but did have a soap opera children-of-the-first-marriage sue second wife horror show. Son was 6-11 during the 5 year agony. Demanding job was salvation. Made a lot of money & was able to lose myself in it.
Newt- hello- I will try to figure out how to fix that. Can’t check links in preview, alas. Let me go scratch my head about how to make a viable link.
This is OT, but something to lighten the mood. Ms.Palin, it seems, is a pathological liar. She claimed tonight that while giving a speech in Ohio that the teleprompter malfunctioned so she just ‘talked to the people’. Problem is that all the reporters could see the teleprompter, watched her read it (including pause marks and ‘nuclear’ spelled phonetically) and have debunked her lie. What is wrong with this woman?
http://blogs.abcnews.com/polit…..the-t.html
It’s also at DKos.
fresh threadiness upstairs
Newt- what I googled was “men women wages comparison” and the article I linked above came up as #4 or #5, depending on how you count it.
Women’s wages, rights still lag behind men – Politics
OK, thanks.
Palin lies in two languages Alaskan and tongues
Just a suggestion: many people are not familiar with all their options. The state that you live in regulates these lenders, and you have certain rights. While your lender may have an acceleration clause in your loan, in many cases you have the right to bring past payments up to date plus penalties and some fees to reinstate your loan. Refi could be an option, but certainly not at 24%. That’s setting yourself up for failure. Many people are having problems refinancing due to loss of value due to too many foreclosures sitting empty. Your lender may have come to the realization that they, too, can have a wasting asset that nobody can afford on their books for a very long time, and they will lose more money by forcing you out.
Your lender may also be more willing to discuss your rights with you if you contact the Better Business Bureau and file a complaint. Most companies don’t like that and are much more compliant once you start getting assertive and letting them know they may pay a price for messing with you. Do some research and fight back. Good luck!
But, I still have no idea why the link didn’t work. I mean “forbidden”. It really looked like it would. sigh.
had connection problems and probably missed (((you)))
first off firedog, what part of single mother of 4 with a Masters Degree assisting battered women makes you ‘unsuccessful’ ?!?!?
I don’t want to offer up any insensitive suggestions as our family spent plenty of heartbreaking time wrt custody and support
– about 10-12 years ago (believe improved state/fed coordination was a result of so called welfare reform) anyhoo, bounty hunter types got in to the arrearage collections business – including interstate work – jes sayin if you have a moment to spare (and you dont) you could do a little googling and see what’s still out there.
ps – have you tried the IRS route yet ?
mad props for all you do !
((Ann))
I have some meds I wouldn’t be able to take if it were not for the various patient assistance departments from the pharma companies. I see a doc at a county health clinic and the companies send the meds to her.
A private neuro doc, on the other hand, sniffed,”We are not a dispensary.”
Refused to let a drug company send them free meds for me to pick up!
Speaking of single mothers, when is Bristol Palin getting married? Are they waiting until Bristol can have a Rose Garden ceremony like Tricia Nixon? Will Bristol give birth live on Fox?
Unbelievable. Your neuro doc is a snob and a bore.
I have checked out some of those programs, but as I mentioned, I have earned a decent income during my life in between spurts of years doing waitress and cocktail waitress work (meaning, no benefits, not even really minimum wage. Funny thing, they got to minimum wage by counting your tips in.) Essentially, because of this, my disability is higher than “the average man’s social security,” so I always end up just about $100 or so over income for their drug programs. This is sort of a case of damned if you, but damned if you don’t.
Oh were to start. Lets see, a lot of people in the past few years thought what fun and profit they would get in flipping houses. I watched as property that were in the 40,000.00 range went to over 500.000 in a couple of years. I sat back and watched and just kept shaking my head and waited as I knew that housing market was going to fall out from under all these greedy people. Yup it happened. LOL Then the everyone is freaken out when they find themselves stuck with a 500.000 thousand dollar morgage they never intended to keep themselves as their plan was to make money.
Lets NOT blame ourselves, LETS blame the Bush Admin.
Now we are in an energy crisis, with the Dems at the head of the House and Senate hiding behind closed doors for a week doing NOTHING about it, Lets blame the BUSH ADMIN.
House Dems go on a 5 week paid vacation while the Reps stay on the job trying to get a bill together to address the energy crisis and now the Dems refuse to even look at it, BUT LETS BLAME THE BUSH ADMIN
Months ago Good ole speaker Nancy and her flunkys try to pass a bill that would be a temporary fix for the Gas Prices by getting oil from the fed reserve and not putting any more into it. OMG if that had past do you not realize what real hurt we would be in now. With two hurricanes hitting the gulf the only thing keeping prices down is the oil that is being released from the fed reserve. If Nancy had her way back a few months ago, there would NOT have been the oil in those tanks to help us in this REAL Emergency. BUT LETS BLAME THE BUSH ADMIN
Natural Diasters
Democratic House and Senate out of control spending
Greedy people pushing up the price of housing
Morgage companies give morgages to any tom dick or harry off the street
Terrorist attacks on our country
and the so on……
But lets BLAME THE BUSH ADMIN
Come on people were is your common sense!
..the anti Democratic voice pops up again.
..Can you really be so misinformed?
..Do you know the definition of a concern troll?
Sounds like LilOne had a much-larger-than-usual serving of “the Kool-Aid”, doesn’t it. Sadly, these kinds of individuals seem to cry loudest and longest when the join the ranks of victims. As long as “they have theirs” the rest of us are complainers and whiners. When they lose theirs, their tragedy trumps everyone else’s.