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May 02, 2003

Surging Jobless- and Fake Unemployment Numbers

Well, the official unemployment number is now up to six percent. Years back, such a number would not have been so bad, but then years back it didn't ignore so many people who are jobless but don't count as unemployed.

Let me stop to explain that last sentence for those not clear on this bit of Department of Labor flimflam. One reason the US unemployment rate often looks lower than other countries is that the government only counts as unemployed those who say they are "actively looking" for work. If they are disabled, in jail, or just hopeless about finding work-- kazamm, they are no longer unemployed. They just disappear from the total workforce.

How big is this non-employed but not unemployed group? Well, some are retired but the total number is shockingly large.

More than 74.5 million adults were considered outside of the labor force last month, up more than 4 million since March 2001, the Department of Labor says. They are people who fall outside the government's definitions of either employed or unemployed: they do not hold jobs, but they also have not gone out seeking work within the past month.

And catch the key number-- a 4 million person increase in the number of people now without work compared to 2001, yet not counted as unemployed in the statistics.

As I noted last fall, since 1990, the number of people receiving disability pay has nearly doubled, to 5.4 million and we now have 2 million people in jails and prisons today, up from 1.1 million in 1990 and 500,000 in 1980. What you find is that the miracle job economy of the US is really a disability welfare state and a prison-industrial system which kept the unemployment rate down in the 1990s by keeping unskilled workers out of the labor pool to make the numbers look good.

Now, Bush's disasterous economic policies are making even those political patches ineffective and job numbers are in complete freefall. The lie of the unemployment rate mumbo-jumbo just can't disguise an economy unable to provide decent jobs for larger numbers of the population.

Posted by Nathan at May 2, 2003 09:50 AM

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Comments

I for one am supporting myself, my two adult children and their two kids on my retirement income. As long as inflation stays low we will be ok but I fear what will happen if the deficit continues to grow.

I have no faith that the tax cuts will create any kind of good jobs in this country. How can a man who claims to support the creation of such jobs sign rules that allow corporations to broaden the concept of a manger to avoid them having to pay overtime?

Please examine the fact that the average work week continues to shrink month after month. This is also an indication of how troubled our employment picutre is. Temporary jobs are on the increase at the same time that corporate profits are soaring? Certainly this trend is as ominous as the actual numbers of people out of work or who have given up.

Posted by: Mother of Blog Baby at May 2, 2003 05:41 PM

Dubya says tax cuts create jobs, and the bigger the cut the more jobs for the masses. So, he says, if you don't want to pass a huge tax cut, you don't want to create jobs for 'mericans. I wonder if anyone has questioned the president about eliminating taxes outright. In Dubya's view of things, without taxes those who are counted as unemployed, discouraged workers, and collectors of disability insurance would all have jobs.

Posted by: Kaya at May 4, 2003 07:54 AM

Please someone answer a dumb question for me. Is the 6% number the percentage of the country's whole population that is unemployed or is it the percentage od the labor force? How many people does that 6% represent? Nearly 18 million? Or less?

Posted by: biz at May 5, 2003 02:06 PM

This is the problem. Unemployment is the percentage of the imaginary number calculated by the labor department to be "looking for work." So it is far smaller than the real labor force, since it does not include anyone who has given up looking for work because the economy stinks-- is a "discouraged worker" in DOL terms.

Posted by: Nathan Newman at May 5, 2003 02:15 PM

I've been working since I was 15 years old, but in the past two years, I've been laid off three times. I've been out of work since November, barely qualified for the next unemployment benefits extension, and for the first time in my adult life, I'm scared to death.

The only bright spot is that if it's as bad as I think it is, we'll take the White House, Senate and Congress in 2004.

Posted by: Uberblonde at May 9, 2003 11:27 AM

I have two degrees from two of the best schools in the world, and I was just delighted to finally get a job after 8 months of unemployment. I am a glorified receptionist. My baby sister who is a junior at one of the top schools in the nation bemoaned the state of the day yesterday, telling me over the phone that she couldn't find a summer internship, as most of her friends as well, and would likely be without work this summer. Why? Because I took her job.

With the downward pressure on job creation (more flimflam language which is more easily said straight out as wretched supply-side economic policy that didn't work for Regan and has no chance of working now...) you have way overqualified people scrounging for ANYTHING that pays the rent, which puts increased pressure on people of lower skills who would normally have no problem getting these jobs.

This effect is disasterous, not just because it keeps the people most in need of hand-to-mouth income-- without stable work, but because it demoralizes a Nation. Since the whole world is becoming increasingly interconnected, Confidence plays a bigger and bigger role than ever before. Dubya has no grasp of the reality complex systems dynamics is in today's world. Since the government has given us a neat little rainbow chart so we can tell how soon it will be before Dubya trumpets additional increases in defense budget levels, we ought to have a general mood ring indicator chart for the Nation... because we would then see just to what extent people are giving up.

We don't need ad campaigns saying how great America is, we need jobs. We don't need to be watching wars on TV--as if "foreign-policy" has ever been this salve that will magically create jobs in that sophisticated program called trickle-down supply-side economics via defense funding-- we need a President who has a clue about economics and the importance of system dynamics as a method to orchestrate ongoing positive momentum; this means putting together a team of people who aren't has-beens now getting their chance even though their window of greatest utility was during the Cold War and they got passed up, only to get a second life working for Dubya, with dusted off programs of engagement and economics that were questionable in the 80's, much less the 21st Century.

Posted by: kidpacific at May 15, 2003 08:38 PM

It's worth noting that the Bureau of Labor Statistics keeps several alternate measures of unemployment that adjust for the type of people Nathan is writing about--sometimes labelled "marginally attached to the labor force"--as well as "involuntary part-time workers" who would like full-time work. Go to stats.bls.gov and click on the unemployment link, then look for a table with a label like "alternate measures of labor underutilization."

Posted by: Mark at May 22, 2003 04:07 PM

I am a 40% disabled veteran who has had a great deal of experience with federal employment and the REALITY of federal agencies' unwillingness to hire Vets. 1.06% of all fed employees are VRA appointees - over 50% of all fed vets are Vietnam Era (meaning retirement in 5 to 15 years) and greater than 30% disabled make only 1.7% of the total federal workforce (there is the 10 point preference at work) I am sick to death of the lies from the OPM and the rest - can you help me get this out as many vets as possible - The idea is to let vets know what they are up against before they get caught in the system, like me 40% and an inch away from homeless AND nobody will or can help!
Numbers from: FEDERAL CIVILIAN EMPLOYMENT DISTRIBUTION BY VETERAN STATUS, RACE/NATIONAL ORIGIN AND SEX EXECUTIVE BRANCH AGENCIES, WORLDWIDE, SEPTEMBER 30, 2000 from OPM

Welcome home soldier,
They will forget. You have been tested by fire in a war that you may or may not believe in. But, we soldiers, aren�t privy to the political processes, ours is to �...do and die,� and we do it, not for God and country, but for the squad or our �battle buddies� and fellow soldiers. If you come home healthy and hale, able to return to your life and vocation, God has blessed you. If not, prepare for a fight unlike any you have seen.
I am 40% disabled veteran, who spent 4 years 8 months 29 days on active duty. At release I was told to sign a paper stating that I would not hold the military liable for any injury sustained while on active duty. This action turned out to be unlawful. This started what has become a legacy of information I wish to pass on to fellow disabled vets. I will preface this by stating no two individual cases or agencies are identical but similarities will show through given enough time and I will give some examples which have happened to me during my time in the federal labyrinth.
If you believe you have a claim for a disability or might in the future, due to an injury or exposure during active duty, any number of service organizations can assist, such as DAV, VFW et cetera. These organizations are recognized by the Veterans Affairs (VA) as entities that can represent you in a disability hearing. Ask to read the Disability Rating book about your particular injury or symptoms. There may be hesitation on the part of the representative, due to the possibility of service members using the information to falsify symptoms in order to increase disability ratings, but you need to know exactly what the VA will be looking for to determine your rating. If you have a back injury but can touch your toes the day of your exam that would be grounds for non-award of disability regardless of your usual flexibility.
If you go before a VA rep for a disability physical get a copy of the examination before you leave. I was given an exam by an individual who was not a physician and when I told her I could not touch my toes she wrote on the claim form that I �refused.� Subtle expressions can make a difference in an exam and should be questioned. If you are unhappy with the exam you have the right to see a VA physician because you are a veteran.
Do not give up your claim. Some VA claims have been known to drag out. Sometimes this is done to discourage less serious vets from pursuing claims and sometimes it�s because the VA is understaffed. Stick it out and remember to make all scheduled exam dates and appointments. If you miss an appointment the VA scheduling office can make you wait a long time for the next opening.
Make sure you have all information ready and a copy of medical records available. It is wise to have a copy of your medical records from the appropriate branch records base/post before you begin your process. Any US Federal Building can provide you with the addresses and forms needed. Also, place a copy of your DD 214 (discharge papers) on record with your county clerk. This will allow you to get an additional certified copy of this document whenever needed.
If you are awarded a disability several things can happen. If your award is 0% you have, on record, a VA acknowledged disability that can be increased at a later date if your symptoms get worse. Any award above 0% comes with a monthly payment. The dollar amounts change from year to year and can be found online at www.opm.gov or at any US Federal Building. As of 2003 the amount of an award can increase or decrease depending on the individual case. BE AWARE of this fact.
With a 0% to 19% disability rating a veteran qualifies for a 5 point preference on federal employment certification lists (Certs). This means a veteran will receive an additional 5 points towards his or her score in a federal job opportunity. If the position is filled on a weighted score (i.e. testing and experience) you would have an additional 5 points added to your raw score before consideration is started. Federal certifications are governed by the �rule of threes.� Meaning the top 3 candidates will be presented to the selecting officials. But be aware, that there numerous different Certs that can be used. A selecting official can chose any of those types of certification options.
A 20% or greater can make you eligible for Vocational Rehabilitation (Voc Rehab). Voc Rehab is a program that will allow a vet to attend school so that the vet can be gainfully employed after a period of training. Voc Rehab training is aimed at schooling that has a degree, certification or some end point that can be a gauge of completion. If you ask for a truck drivers school that gives a certificate after a two week training that may be the extent of your Voc Rehab, so be sure your request is what you need for the rest of your life because your chances of getting a second Voc Rehab award are close to nil. Under Voc Rehab you are also eligible for some free dental care at some VA Hospitals, but be forewarned: these may be student dentists who will have both hands in your mouth. If an untreated dental condition will effect your scholastic performance have it treated by the VA.
All school needs are covered by Voc Rehab. This includes book, school supplies, tuition, class fees, lab fees, tutors, computers and peripherals. In today�s academic world it is tough to get by without your own personal computer and applicable software. Voc Rehab counselors might not tell you that you qualify for these items without your specific request for them. If you want it - ask for it , including professional conventions, meetings or any event where possible employers might come together. While in school you will receive a stipend along with your monthly disability payments. Additionally, Voc Rehab offers job placement assistance. This usually covers help with resumes and administrative assistance, beyond that assistance is spotty and depends on the individual Voc Rehab office and personnel.
While in school you can earn at least minimum wage, tax exempt, by working as a Work Study student with a government entity, such as the VA Hospital or any government funded veterans� agency. You are limited to 300 hours per term regardless if it is semester or quarter. Lastly, Work Study is just that...work study, with the emphasis on study! Do not let your work schedule interfere with your grades.
As a disabled veteran in Voc Rehab you are eligible for federal hiring preferences, under Student Temporary Employment Program (STEP) and Student Cooperative Employment Program (SCEP). The advantages of these programs are; experience in a field related to your education, usually pay above minimum wage, no restrictions on hours worked, possible college credit for the position and the SCEP offers the veteran a non competitive appointment to a federal agency within the same Department (i.e. Dept of Agriculture or Interior). Qualifications for a SCEP will be specific for the agency offering these positions (usually 30% or greater disability). The monies for STEP and SCEP come from coffers at Department levels not from the budget of that office. This can make a Voc Rehab veteran an appealing prospect. This funding at Department level lasts only as long as the veteran is in a Voc Rehab or finishing the degree program.
All veterans who have served more than 180 days of continuous active duty service qualify for federal hiring preference from Veterans Readjustment Act (VRA). This act has been changed and �readjusted� many times since its inception. As of 2003 this act allows a veteran to apply for positions that would normally only be open to �internal� employees and allows for non-competitive appointments. Veterans can only use this authority within 10 years of their discharge unless the veteran is a VEV or >30% which has no time limit. If the veterans has less than 15 years of education they can hired for a period of two years in a probationary status (converted to career conditional after that time), while greater than 15 years of education is a direct appointment. This does not apply to all positions, as some can be limited to a specific region or other factors, but according to OPM 2000 figures only 1.7% of all federal employees were >30% vets while unemployment for that group was 10%.
At 30% or greater disability rating (+30%) a veteran qualifies for a 10 point federal hiring preference. In theory, if a +30% qualifies for a position at GS-8 or below they are placed ahead of all non preference applicants 1, and at GS-9 and above they would gain an additional 10 points towards a score if one the selection were based on score. This usually means a qualified +30% will make the list but once again, multiple Certs can be used so that any number of individuals can be picked above a +30%. If there are multiple hiring Certs being used send in an application for each. Always include the SF-50, DD-214 and Letter of Disability Rating (dated within the last 12 months) when claiming any preference for a federal position.
The Office of Personnel Management (OPM) dictates the requirements used by all federal agencies for hiring. You may find this is where the federal hiring process breaks down. Kay Coles James, a Bush appointee who heads the OPM, has stated "[A]t the Office of Personnel Management, veterans' preference is, and always will be, one of our top priorities. We are serious about protecting our veterans' preferences in the Federal hiring process,� 3 but the reality is somehow different.
An example follows:
(I was appointed under a Schedule B)
FROM OPM 2 5 Code of Federal Regulations 335.103(b)(4) clearly provides for management's right to select from any appropriate source, even if the position has been announced under merit promotion. 2 And yet VEOA states: Schedule B appointments made under the VEOA must be converted to career conditional or career without further competition provided the veteran actually competed under a Merit Promotion announcement .
The VEOA states �In enacting the Veterans Millennium and Health Care and Benefits Act (Pub. L. 106-117 or 5 U.S.C. 3330a) ), Congress amended the VEOA to clarify that if an eligible veteran competes under the agency's merit promotion procedures and is selected, he or she will be given a career or career conditional appointment in the competitive service.�
But a follow up letter, not directly from Ms. James but from an aid, stated �...an agency does not have to use (select from) a merit promotion referral list. �It can choose not to fill the vacancy or it can fill the vacancy using other sources of applicants and other hiring authorities.� According to the OPM�s numbers: 70% of the positions that were not filled occurred when a preference eligible vet was on the Cert.
To further illustrate how the OPM and VEOA will not assist you; �[if the candidate is] VEOA eligible [and] is among best qualified candidates [he/she] can be selected for the position without having to go through regular competitive examining processes.� This process is �guaranteed� under VRA! On the subject of VRA -- 1.8% of the total federal workforce was hired under VRA.
As explained by OPM; VEOA isn�t a requirement, isn�t a priority process and has no meaning that hasn�t been already legislated by VRA! OPM can not assist you in veterans� preference matters because there are so many ways for an agency to hire an individual from another source.
Within the federal agency hiring ranks individuals are employed to test qualifications of each and every applicant. If any item within the list of Qualifications on a federal job announcement is not expressly noted and accompanied by required verification that applicant can, and usually will, be disqualified with no notice. Some hiring personnel will contact the veteran requesting the additional paperwork but do not count on that. Some Qualifications will seem very specific. These can include; college courses (by course title), certifications and experience that may seem narrow in its scope. Positions can be written to make one applicant the �perfect� match. While this �pre-selection� of a applicant is illegal tailoring a list of qualifications is not and be used as an effective means of stacking the deck. You may find your application can be disqualified for anything ranging from the �wrong sequence of courses� to �lacks experience at next lower federal grade.� One position, I saw recently from the US Forest Service, stated �individual must have served in the next lower grade on this unit (unit being the location).�
The OPM states clearly that a 5 or 10 point preference does not guarantee a position with any agency and you may find it is difficult to compete at all. I have submitted more 100 federal applications and received no less than 35 �[Q]ualified but not selected� while I have only had two interviews. The bulk of the remained applications have been disqualified for reason such as �unreadable college transcripts� to �lack of time in grade at next lower federal level.� On the non-federal side of my employment hunt I have applied to nearly 40 jobs and have had 9 interviews. This disparity does not go unnoticed by Voc Rehab counselors, employment department workers and other veteran federal employees. You may hear these people refer to the �wink and nod� aspect of vets� preference. This means that some agencies allow personnel practices that are in direct violation of federal laws, but without enforcement, laws mean nothing. In my case, the violator�s supervisor was his college roommate, and to add a touch of irony the agency was created by a disabled veteran!
The federal employment qualifications can be a formidable filter to any veteran and more so to a disabled veteran. By OPM�s rule:
If an agency proposes to pass over a disabled veteran on a certificate to select a person who is not a preference eligible, or to disqualify a disabled veteran based on the physical requirements of the position, it must at the same time notify both the Office of Personnel Management (OPM) and the disabled veteran of the reasons for the determination and of the veteran's right to respond to OPM within 15 days of the date of the notification.
I have never received a notice of this type even though I have been passed over for non-preference candidates. DEMAND one if you are �qualified but not selected.� Another eligible 5 or 10 point preference can be chosen over you but the agency must, by law, notify you if you are passed over for the above reasons. You may ask for a copy of the Cert that the agency used for hiring. But an agency can use multiple Certs to hire from and the �Rule of Threes� is not a requirement.
It has been my experience that these violations occur because Congress is unable or unwilling to enforce these requirements. I have dealt personally with Oregon�s Senators Gordon Smith and Ron Wyden�s office. Sen. Smith�s office is responsive. His staff will forward the veteran�s complaint in less than two weeks but will not pin an agency spokesperson down to a definitive answer even when the response is obviously a smoke screen, such as the contradictions as OPM and VEOA regulations as noted above. Oregon Rep. Darlene Hooley actively campaigning for veteran�s votes and is now on the House Veterans� Committee but even she can only ask agencies to explain a ruling. Senator Ron Wyden�s office responded after two full months and I found his staff was argumentative and confrontational. One staffer relied to my request for assistance by asking �[W]hat do you want us to do about it?� A staffer from a separate office stated �[W]e enact legislation, not enforce it.� Lastly, I will mention George W. Bush. I was on the verge of becoming homeless and was desperate. I sent multiple detailed email messages to WhiteHouse.com begging for his assistance but received only automatic responses assuring me that my opinion was important to the administration. Apparently my opinion wasn�t important enough to warrant even an expression of sympathy from a White House intern. Do not be surprised if you find George W. Bush is not responsive to vets� issues. Only those who have served can understand what the military is like and even then some may not champion our cause.
If a veteran wishes to claim his or her vets preference rights were violated the first action would be to contact the Department of Labor�s Veterans Employment Training Service (VETS). Usually found at your state employment bureau, they can assist you if you feel that your vets� hiring rights have been violated. Be forewarned, these individuals are usually overworked and understaffed and some agencies will go to great lengths to put off VETS complaints.
The next step would be through the Merit System Protection Board (MSPB). If you chose this option - HIRE A LAWYER! The MSPB has a reputation amongst vets and those assist vets as being a �tool of management� even though MSPB was created �to ensure that Federal employees are protected against abuses by agency management, that Executive Branch agencies make employment decisions in accordance with the merit systems principles, and that Federal merit systems are kept free of prohibited personnel practices.�4 I found the MSPB denied an agency was required to follow VEOA mandates and convinced me that multiple violations of American�s with Disabilities Act (ADA) and prohibited practices were not grounds for legal action. At this point I had the option of filing an appeal with the US District Court of Appeals within 60 days but had been instructed by the MSPB judge that the agency would seek monetary redress against me for the cost of my move , even though this was a violation of the Whistleblower Act. By not acting within the 60 day window I was left out in the cold. Get legal assistance BEFORE you take your case to the MSPB.
On the non-federal side of hiring laws are in place that mandate any employer with federal contracts or more than 10 employees follow some federal guidelines concerning vets� hiring and reemployment under Uniformed Services Employment and Reemployment Rights Act� (USERRA). You may find, as I have, that some non-federal employers feel vets are unable to function outside of a ridge set of guidelines. This prejudice can be offset if you can be ready to present your supervisory achievements (i.e. schools, academies, squad leader, NCO or Officer assignments).
One of the best steps a vet can take is to contact a work force recruiter from a diversity or equal opportunity division within a federal agency. These individuals actively recruit individuals such as disabled vets and vets� preference employees. Within a state�s employment division you can find a Department of Veterans Opportunity Program (DVOP). These offer a modicum services to a vet through a state�s employment program.
Looking for work after you are released from active duty can be a daunting and frustrating experience. Try to find other vets to network with and compare notes on how they did with a particular employer and see if that might fit you better. Most important, don�t let yourself get depressed or become locked in an abusive behavior pattern. If you need help with psychological or physical assistance, stop smoking programs, substance abuse or any number of other well-being programs contact your nearest VA hospital. The care and focus of the VA has changed dramatically in the last 30 years. Of all the federal programs and departments created to aid vets the VA has come the farthest.
In all honesty, the federal government has made some positions preference eligible veterans only. These are: custodian, guard, elevator operator and messenger. The only trouble with these position is they are all contracted out to private entities or aren�t needed. It is the thought that counts.
When you get back to the �land of the big px� try to keep a record of all your dealings with elected officials and agencies. If you can pass that information along to where ever you receive this then we can take care of each other. We are the only ones that we can depend on.

1 GS 8 and below - the names of 10-point preference eligibles who have a compensable, service-connected disability of 10 percent or more are placed ahead of the names of all other eligibles on a given register per OPM

2 Email letter from Carol Green from the OPM Oversight Committee.

3 Veterans� Day address to American Legion, flag and general officers

4 Taken from www.mspb.com

The following is a list of all Congressmen/women who have been contacted to for inout on this article and their response.

Senators on Veterans Committee
Arlen Specter, PA, automatic response -- Bob Graham, FL , no response -- James M. Jeffords, VT, no response -- Ben Nighthorse Campbell, CO, automatic response, John D. Rockefeller IV, WV, no response -- Larry E. Craig, ID, no response -- Daniel K. Akaka, HI, passed it on OR senator -- Kay Bailey Hutchison, TX, no response -- Patty Murray, WA, no response -- Jim Bunning , KY, automatic response -- Zell Miller, GA, no response -- John Ensign, NV, no response, E. Benjamin Nelson, NE, no response -- Lindsey Graham, SC, no response --�Lisa Murkowski, AK, no respose --
Senators on Arms Committee
John Warner, VA, no response -- John McCain, AZ, asked for signed letter of inquiry -- James M. Inhofe, OK, automatic response -- Pat Roberts, KS, not contacted -- Wayne Allard, CO, no response -- Jeff Sessions, AL, automatic response -- Susan M. Collins, ME, automatic response -- James M. Talent, MO, automatic response -- Saxby Chambliss (Georgia), no response -- Elizabeth Dole, NC, automatic response -- John Cornyn, TX, no response -- Carl Levin, MI, no response -- Robert C. Byrd, WV, no response, -- Joseph I. Lieberman, CT, no response -- Jack Reed, RI, no response -- Bill Nelson, FL, no response --Mark Dayton, MN, no response -- Evan Bayh, IN, automatic response -- Hillary Rodham Clinton, NY, automatic response -- Mark Pryor, Arkansas, no response

Posted by: mark mcccan at July 31, 2003 11:38 AM

i have always heard that there are companies that hire people to work from home i am willing to work hard for any company that may hire me. i enjoy meeting people and makeing friends if you have any ideas please let me know i am not only looking for work but i have the following problem below if you can help with eather ishue please write me

----- Original Message -----
From: charles7777777
To: ccbmrdd@erinet.com
Sent: Tuesday, August 05, 2003 1:37 PM
Subject: do you know who could help with this

rember capital one refuses to work with me because www.aaafaircredit.org has been been sending all i can afford. i am on welfair i always have been and my wife lost her job and ever sence she did i have been faxing capital one at 1-888-259-3021 for about 2 and a half years i faxeed capital one at 1-888-259-3021 disibility papers and papers different people wrote different companies proveing i am on a limited income. when i turned card 5291-2318-9920-5106 over to www.aaafaircredit.org i only owed around 700 dollars. i want to pay them off but as long as the late and over limit fees are added i can not i had instructed www.aaafaircredit.org to pay 20 a month till the account was paid off 9 months ago it was my understanding that when i got involved with www.aaafaircredit.org that late and over limit fees would be waved considering my income is next to nothing sence my wife lost her job i do not know why they can not be more understanding. my doctor kenneth power at 765-6592590 can provide proof of my disibility an so can attorney david little at 765-654-4340 and so can susan kaspar at 765-659-5678 and so can pastor tennyson fitch at 765-659-4662 and so can burnie lochal cpa at 765-654-8110 my wife brought in 80 persent of the household income 3 years ago she worked atwesley manor 1555 north main st frankfort in 3 years ago there phone is 765-659-1811 up untill about a week ago capital one was calling me about every day driving me close to epileptic seizures