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Throughout this year, The Detroit News has explored the forces that hold people in poverty during unprecedented good economic times, and that now threaten them even more as Michigan struggles through a recession.
Today's Report:
Welfare reform's impact:
Five years after Michigan reformed its welfare system, thousands of people have moved off the dole and into jobs. And thousands are better off than when they were on welfare. Yet many remain poor, struggling to get by on low-wage jobs. And now there are signs that the recession is beginning to roll back some of the successes.
Part II: Aug. 19-21, 2001:
For the working poor, living is simply more expensive, making it hard to break the chains of poverty.
Part I: March 25, 2001:
For those moving from welfare to work, the lack of an efficient transit system is one of the biggest obstacles.
Where to get help
People in poverty seeking information about the Family Independence Program (FIP) should contact their local Family Independence Agency offices. The following telephone numbers are the main offices in each county, which provide referrals to more localized welfare offices, including 29 in Wayne County, five in Oakland and three in Macomb.
Wayne: (313) 256-1000
Oakland: (248) 975-4804
Macomb: (810) 412-6100
Livingston: (517) 548-0200
FIA offices are located in all 83 counties in Michigan. For information from the main office in Lansing, call (517) 373-2035.
Child care aid
Michigan program
Michigan's Child Development and Care Program, offered by the Family Independence Agency (FIA), helps low-income people pay for child care. For information or to apply for the program, call your county FIA office or go online at www.michigan.gov and click on Family Health & Safety.
Federal tax subsidies
The Federal Child and Dependent Care Credit (CDCC) credit allows parents to deduct a certain percentage of their child care expenses when they file their federal income tax return. To learn about the CDCC credit, call the IRS at (800) 829-1040 or visit the IRS Web site at http://www.irs.gov.
Federal Earned Income Credit (EIC) is intended to help low- and moderate-income workers bear the costs of child care more easily. To find out if you qualify, call the IRS.
Source: Family Independence Agency, Careguide.com
Find help online
Here are links to private and government agencies that help low-income families.
Focus:HOPE -- offers food, child care, job and educational training, in Detroit: (313) 494-5500.
Charity Motors Inc. -- Charity Motors Car Donation Program, accepts automobiles and resells some of them at low prices, in Detroit: (313) 255-1000.
RideShare -- free service of SEMCOG that assists in finding carpool and/or vanpool partners. 1-866-510-POOL.
Michigan Family Independence Agency
National Homeless Coalition
Detroit's Work Place provides service and references to other agencies that help the working poor. Call (313) 962-WORK, or, for similar services outside Detroit,
1-800-285-WORK.
Want to help?
Mother Waddles Car Donation Program, provides donated cars to low-income people who need transportation, in Hamtramck: (313) 891-4475.
Charity Motors Car Donation Program, accepts automobiles and resells some of them at low prices, in Detroit: (313) 255-1000.
Southfield Career Center, accepts information about automobiles for sale or for donation, in Southfield. Mildred Peevos, (248) 945-5100, ext. 104.
Wayne County Family Center, operated by Lutheran Social Services of Michigan, accepts information about automobiles, in Westland. Cynthia S. Haberman, (734) 721-0590.
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© Copyright The Detroit News.
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Part 1 -- Sunday, March 25, 2001
Photos By Donna Terek / The Detroit News
Lori Denton, 36, and her three children wound up at a homeless center when she was fired because unreliable transportation caused her to be late for work. Solving the transportation problem is integral to the success of welfare-to-work programs.
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- Off welfare, still broke
- Although employed, poor lose out on economic boom and still struggle
- No car, no bus means no job
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- 2-hour ride strains mom
- Mother of 6 faces long daily bus trip in attempt to get ahead
- Finding a lift proves major hurdle
- No transportation limits job choices for Novi mother
- Working poor eke out living
- Good times rolled by. Now what?
- Donations of cars, van pools offer relief
- Private sector could play key role in filling transportation gaps for the working poor
Part 2 -- Sunday, August 19, 2001
- Families in poverty pay more to survive
- Expensive groceries, credit sap resources
Donna Terek / The Detroit News
Payday lending is a booming business across the country and is unregulated in Michigan. Borrowers sometimes pay as much as 900 percent interest.
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- Payday loans trap borrowers
- High fees, interest snare disadvantaged in a vicious cycle
- Part 2: High interest or fee?
- Part 3: Uncertainty in Michigan
- Part 4: Bill has critics
- Part 5: Payday lending defended
- How payday loans work
- Less expensive alternatives
- Tips for avoiding financial trouble
- State considers some regulation
Monday, August 20, 2001
- Lenders exploit poors few assets
- Elderly, minorities often targets
- Part 2: Equity in home
- Part 3: Many ways to lose
- Poor victimized by high car loans
- Complaints surge against firms getting high auto loan rates
- Car loan tips
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- How to recognize predatory lending
Tuesday, August 21, 2001
- Groceries cost more for poor
- Dearth of inner-city supermarkets limits choices
- Part 2: Transportation a problem
- Part 3: Food quality poor
- Part 4: Less buying power
- Supermarkets shun Detroit for lack of location
- City officials pitch sites, tax incentives in new effort to lure much-needed grocers.
- Where to call for help
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Sunday, December 23, 2001
- Poor off welfare, but poverty wins
- Low-paying jobs make it a struggle to get ahead
Photos by Robin Buckson / The Detroit News
Although Tonya Fisher is considered to be at the very pinnacle of success in Family Independence Program, her pay keeps her in the bottom 20 percent of U.S. wage earners.
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- Lack of skills, education dim success
- Work requirements, low pay force some through revolving door of dead-end jobs
- Time will show if cycle of dependence ends
- But recipients say working does set good example for kids
- Recession nudges up caseload
- Slowing economy also makes job search harder for welfare recipients
- Child care persists as big obstacle to work
- Welfare rules make it difficult to miss work because of kids
- How welfare works
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