The U.S. job market continued to deteriorate in 2009, and all major race and ethnicity groups continued to experience labor market difficulties. For the second year in a row, employment fell more sharply for Blacks and Hispanics than for Whites and Asians. Unemployment rates remained especially high for Blacks and Hispanics in 2009, reaching 14.8 percent for Blacks and 12.1 percent for Hispanics. These figures were much higher than the unemployment rates for Whites and Asians, at 8.5 percent and 7.3 percent, respectively.
In general, the labor market problems experienced by Blacks and Hispanics are associated with many factors, not all of which are measurable. Some of these factors include a tendency to be employed in occupations with high levels of unemployment, lower average levels of schooling, greater concentration in the central cities of urban areas where job opportunities may be relatively limited, and the likelihood of discrimination in the workplace. These factors and others may help explain the acute labor market difficulties Blacks and Hispanics encounter, especially during economic downturns.
This report describes the labor force characteristics and earnings patterns among the major race and ethnicity groups and provides detailed data through a set of supporting tables. These data are obtained from the Current Population Survey (CPS), a monthly survey of 60,000 households that is a rich source of information on the labor force.
In addition, your credit card company can't charge a late payment fee that is greater than your minimum payment. So if your minimum payment is $20, your late payment fee can't be more than $20. Similarly, if you exceed your credit limit by $5, you can't be charged an over-the-limit fee of more than $5.
Other recent changes include:
Interested in reading about the first set of rules for credit card companies that came out in February? See the Federal Reserve's What You Need to Know: New Credit Card Rules Effective Feb. 22, or visit the FAQ at USA.gov.
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Excerpt from the funding announcement:
Oklahoma: Eight local weatherization agencies in Oklahoma have been selected to receive over $2.5 million to implement a variety of technologies.
Community Action Agency of Oklahoma City and Oklahoma and Canadian Counties will receive $300,000 to install cool roofs.
Community Action Development Corporation, located in Frederick, will receive over $160,000 to install cool roofs.
Community Development Support Association, based in Enid, will receive $250,000 to install cool roofs.
Delta Community Action Foundation, located in Lindsay, will receive $350,000 to install hot water systems, cool roofs, and community-based social marketing.
Great Plains Improvement Foundation, based in Lawton, will receive $250,000 to install cool roofs and high-performance hot water systems.
Little Dixie Community Action Agency, located in Hugo, will receive over $200,000 to install cool roofs and high-performance hot water systems.
Northeast Oklahoma Community Action Agency, based in Jay, will receive nearly $300,000 to install cool roofs and solar furnaces and to establish community-based social marketing.
Southwest Oklahoma Community Action Group, located in Altus, will receive nearly $500,000 to install hot water systems, solar photovoltaics, residential wind systems, and cool roofs and to establish community-based social marketing.
(Source: OWHAC)