Robert Menendez

US Senator for New Jersey
Font Size:
small medium large

The Menendez Kitchen Table Economics Initiative

kitchen table

We hear so much about how the economy is doing in the big picture, but there is one type of economics that I am concerned about more than any other: Kitchen Table Economics. It’s the type of economics that parents talk about at the kitchen table at night after the kids have gone to sleep — What can we afford? Are we going to make our mortgage? Is my job secure? I understand that, no matter what is going on in the overall economy, the pressures felt at the kitchen table matter more than anything else to families. It’s where the bills are paid and big financial decisions are made. That’s why I have created the Menendez Kitchen Table Economics Initiative — to hear directly from New Jersey families about what they are discussing at their kitchen tables, to discuss issues you are raising, and to communicate what I am working on in Congress to help make those kitchen table discussions a lot less worrisome.

I invite you to click on the "Share Your Discussions From Your Kitchen Table" button on the right as a way to share your own experiences. I will be reading these stories about the economic concerns that hit closest to home for New Jersey families, which can help drive my work on behalf of New Jersey families in the Senate. I will also respond to some of the entries right here on the website. You can view stories and my responses by clicking on the links to the stories that are posted.

My Work in Congress to Address Kitchen Table Economic Issues

PROPERTY TAX RELIEF

Homeowners in our state are fully aware of the burden property taxes can have on their family budgets. That is why I have made it a priority to champion property tax relief in areas where it can be done from the federal level.

SMALL BUSINESSES

Small businesses are a major job-creation engine in our country, but their owners have faced a rapid decline in big bank lending since the economic recession began. I am working to help free up small business lending and spur job creation.

BANKS AND CREDIT CARDS

Few institutions and financial instruments are as vital to family financial well being than our banks and our credit cards. We should be able to trust our banks to safeguard our hard-earned money, plain and simple. At the same, time credit cards have become an essential part of our family finances, and responsible cardholders should not have to worry that they will fall prey to credit card company tricks and traps.

HEALTH INSURANCE

For years, health insurance costs and denials have been the main source of financial hardship for families. That is why I not only helped to champion the new law that introduces common sense rules in the health insurance system, I also helped to improve it with a number my own amendments meant to protect consumers.

HOUSING

Every family needs to go to sleep at night with a roof overhead and the peace of mind that they will continue to afford that roof overhead tomorrow. When millions of families could no longer pay their mortgages and went into foreclosure, the economy collapsed for all of us. It is more important than ever to ensure families have access to housing that they can responsibly afford.

Kitchen Table Stories from around NJ

Page 1 of 2
MaryAnn's Story

MaryAnn's Story

Grandmother of an autistic child, concerned about education budget cuts in New Jersey.

MaryAnn's Story

July 22, 2010

Bogota, NJ

My Grandson is Austic, and is excelling in his present school, but do to budget cuts he may not be able to stay in his present school. Why is it that the Government is always cutting programs for Education when a portion from the Lottery is spent on Education and the towns have a portion of their tax dollars go to Education as well.

Maybe the Government should have someone checking the money that schools spend on a regular basis, the real waste can then be put back into the budgets, to help special needs children. 

Bob's Story

Bob's Story

Small business owner experiencing problems with bank and lines of credit

Bob's Story

July 22, 2010

Edison, NJ

I am a small business owner. My company is located in Edison, NJ we employ 35 people, when you passed the healyh care bill we were very hopeful that we could get some relief from the confiscatory health insurance rates. What we got is a 30% increase in rates. Our agent told us that small business groups (under 50 people) are regulated and beyond our control. Is this legal? We cannot continue to sustain these kinds of increases. Over the past year I have cut my own salary and cut expenses to the bone. We ahve not laid off any people yet but a $100,000 increase in insurance rates may leave us no choice.

We are also experienceing problems with our bank on our lines of credit. If there is anything you  or your office can do to help us I would be most appreciative.

I know we are on the right path but the road is becoming increasingly difficult. With the right help for companies like us and some positive reporting on that help we can win again in November.

Heath's Story

Heath's Story

Veteran having trouble finding a job, in need of unemployment extension.

Heath's Story

July 22, 2010

Highlands, NJ

Veteran who was honorably discharged in 2008. I have been applying weekly for jobs with no luck. I was collecting unemployment until my last extension ran out. I'm not really sure what I'm going to do to support myself and my family. The little savings I have are almost gone.

Lorraine's Story

Lorraine's Story

Married, mother of two, fearful of financial security and health insurance costs.

Lorraine's Story

July 22, 2010

Brigantine, NJ

My husband and I are struggling to raise two children.  I work part time and my husband is self employed, we have never been unemployed for the 20 years we've been married.  We have no credit card debt nor do we have an equity loan. What I'm trying to say is that we have always lived within our means and now we find our selves fearful of our financial security due to paying over $1000 per month for basic health insurance.  This bill must be paid or we could lose our home, if any medical emergency came up. We have no prescription coverage, dental or eye.  We have scaled back on everything possible and my kids are suffering while others in this state are receiving free health care plus pension plans and will not sacrifice a smidgen to due their part! I am not a Republican and have been a life long union member but am starting to see C. Christie's point of reigning in on the abuses which are affecting the middle class in New Jersey.  I don't know how long we can keep paying the health insurance before the bottom drops out and we will be forced to apply for federal help. (Food stamps, etc)This should not be happening in America.

Allen's Story

Allen's Story

Disabled, rental property owner, dealing with property tax increases

Allen's Story

July 22, 2010

Woodbine, NJ

I own four rental properties that I try to provide affordable housing with. Two are my children , the other two plain struggling folk.  I just got the tax bills, around 5% raise. I can't afford it, and neither can the tenants.  Also I was in an automobile accedent and am disabled.  I've been with out insurance, and now told that no doctor will treat me when I get on medicare.

Elaine's Story

Elaine's Story

Single mother of two, working full-time, concerned about budget cuts

Elaine's Story

July 22, 2010

Somerset, NJ

I am a single mother of 2 college age children. I now work full-time and I am glad that I have a job.

My concerns lie with the reduction of state monies in certain areas. I do not believe that cutting the funding from some of our basic needs (schooling, libraries, policemen, pensions) is profitable in the long run.

I am also concerned about regular folks becoming sidelined by bias against each other. I truly believe that we need to pull together during difficult times. Give your neighbor a hand, give the extra energy to your community. And be nice to everyone, we are all working to get through these tough times. AND, many parts of our lives will change. The other side of change can be good, with new ideas, better ways of doing things. That is what we discuss around our kitchen table.

Christine's Story

Christine's Story

Divorced, mother of two, concerned about paying her bills and making ends meet.

Christine's Story

July 22, 2010

Bloomfield, NJ

I am a divorced mother of two children.  Like many families in NJ, I am finding it more difficult each year to make ends meet.  My property value has gone down, but my taxes are going up.  Why? There are many proposed cuts in services.  If I am not getting what I am already paying for, than why am I being made to pay more for something I am not going to get?  Along with that comes the mortgage.  Because I have some unsecure debt, but pay my bills on time, my current mortgage company is "unable" to help me modify or refinance. Then there is school for my children.  I pay my taxes, but none of that money is used for my children because I have chosen to send them to Catholic School. So now I pay tuition for mine AND my taxes go for others.  I have heard about the 'voucher' proposal made by Governor Christie and am wondering why it is not supported by legislation. If what I have read is true, that it costs half as much money to educate a Catholic School student than it is a Public School student, why aren't families who choose Catholic School allowed to have their portion of tax money go to the Catholic School they wish to send their children?  Jobs would be either maintained and/or created, classroom sizes would be manageble so students could learn in a less disruptive environment and families would have a few more dollars in their pockets and peace of mind knowing EXACTLY what their tax dollars are paying for. 

Thank you for this opportunity to speak about what concerns me as a NJ resident

Tammy's Story

Tammy's Story

Single mother, recently laid off, in need of unemployment extension.

Tammy's Story

July 22, 2010

Plainsboro, NJ

My name is Tammy and I'm a single mom of a 15 year old.  I got laid off in Sept. of 2008 and my unemployment was cutoff at the end April this year.  I have been unable to pay the rent for 2 months now, and expect an eviction notice shortly.  I apply for jobs every single day, sometimes I get a response, rarely I get an interview.  Because of the way NJ calculates your base year, I was not entitled to the 99 weeks.  I need for our government to do something about extending unemployment, I would much rather work and support my daughter and myself, but that's not looking good and until there are jobs, our government should be helping us the same way the rush to help everyone else, including those that put us in this situation.  The exhaustees of unemployment need help and NJ needs to reevaluate their system of calculation!!!

Ginny's Story

Ginny's Story

Teacher for over 30 years, concerned about public education funding in NJ.

Ginny's Story

July 22, 2010

Dover, NJ

As a teacher in NJ for over 30 years, I am disheartend by our Governor's actions- not just his lying to us prior to the election but his continual lying after being elected. He ignores the facts that show how well public schools in NJ are actually doing in comparison to other schools in the nation. While he rips away money for public education, he finds the ways to fund private schools. It seems to me this is a way to make his distrorted view of public education come true. But the worst thing that he has done is to foster a disrespect for teachers and the profession. Over the past few months I have heard some pretty nasty stuff said on radio and TV and read things that I feel are distortions. These have fostered the development of negative attitudes that are  spreading to parents and students as well. He has been successful in turning the view of seasoned professionals as valuable mentors and the foundations of community schools into old-outdated leeches. It will take many years to undo what this man has done in less than a year. I fear for public education in NJ as my grandchildren are beginning their school careers. Hopefully, the federal governmnent will continue to help public education - making it stronger. Thank you for your help over the years.

Inez's Story

Inez's Story

Retired 78-year old, concerned about Social Security and state pensions.

Inez's Story

July 22, 2010

Verona, NJ

I'm 78, retired from Essex County Govt., I am fortunate in that I don't have to worry about losing my job,or my home.  I have livedhere since 1958 with family members and raised mydaughters as a single mother.  Both are college graduates, married with children and homes of their own,  My gripe is the fact that I received no increase in Social Security or state pensions becauseof the CPI, below 1%.  My taxes(property) has increased, the teachers get 3.85% for 2 years. and muni employees get 4% on an existing contract.  If my livelyhood is dependent upon SS and Pension, then all contracts, henceforth should ALSO be based on the CPI!. The 2% cap on property taxes in NJis a debacle....

Wayne's Story

Wayne's Story

Laid off in April 2009, struggling to make ends meet.

Wayne's Story

July 22, 2010

Morris Plains, NJ

Senator Menendez,

I started working at 17 yrs old and was never out of work longer than a few days until I was laid off from my job at a T-Mobile distribution center on April 1, 2009.

At that time, my father was in recovery from a major surgery to remove cancer from his head&neck. I took my time away from work to care for him and found out in June of 2009 that his cancer came out of remission.

I gave the next nine months of my life to taking care of the man who helped bring me into this world and gave me every opportunity to succeed in life.

I scheduled his multiple doctor appointments, tests and chemo, called-in/picked up and discharged his many medications, drove him to and picked him up from work and his doctor appointments and plowed through the myriad of paperwork from Medicare/AARP and his RX company Humana.

He passed from this world on March 14, 2010 after a brave fight. He was only 68 yrs old.

In the days and weeks since, the family has been diligently working to settle his affairs and mourn his passing.

Though this time is all but finished, I have once again begun looking for work to no avail.

I plead with the Senator and his staff to work with his colleagues, who would see fit to deny us the extension of an unemployment check, small yet vital as it is, and ask them for just a brief token of compassion of the extension. No two stories are alike, I would not have sacrificed a moment of time to be there for my father. A man who was there for me my whole life, worked his whole life, right up until 11 days before his passing and served his country in the U.S. Army from 1966-1968.

The last thing I ever did in the Great Recession, is sit by with my feet up. Many of us have lost much more than our jobs in this extraordinarily difficult time.

RESPONSE FROM SENATOR MENENDEZ

Dear Mr. Marek,

Thank you for sharing your thoughts and your story with me.  First off, please allow me to offer my sincere condolences for the loss of your father.  I also recently lost a parent who had suffered from Alzheimer’s for years, and understand how emotionally difficult it is to care for a sick loved one.

As you grieve for the person who helped raise you and care for you, the last thing you should have to worry about is whether you will get the unemployment insurance benefits that you worked for your whole life.  Unfortunately, as you know, Republicans in the Senate have fought to continuously block several critical unemployment insurance extensions this year, choosing to make a political point on the backs of the unemployed. Outrageously, they have argued that emergency assistance to keep laid off workers afloat is less of a priority than tax cuts for the wealthiest Americans. With long-term unemployment rates at record levels, and five unemployed workers for every job currently available, workers like you need a life boat to navigate these stormy economic waters. 

Fortunately, we were finally able to break through the Republican obstructionism to extend unemployment insurance for up to 99 weeks in New Jersey.  This critical assistance not only helps families put food on the table and pay the mortgage, but it also has a powerful economic impact, creating $1.61 in GDP growth for every dollar spent.  Simply put, just saying no to hard working Americans in need is morally indefensible and economically illogical.

Unlike some of my Republican colleagues, I don’t think the unemployed are out of work because they are lazy.  American workers don’t want a hand-out – they want to work hard for a living, as you have since you were a teenager.  And I believe it’s insulting to imply that people like yourself, who have worked their whole lives and played by the rules only to be laid off through no fault of their own, are looking for a “free ride” by collecting unemployment insurance.   

Wayne, please know that I am fighting for you and people like you in New Jersey and all over the country.  You embody the very spirit of the American worker that has made this country the greatest the world has ever seen and will rebuild our economy.  Please don’t give up your battle for your share of the American Dream.

Sincerly

Michael's Story

Michael's Story

Recently married and wants to provide affordable and healthy food options for his family.

Michael's Story

July 22, 2010

Metuchen, NJ

My wife and I are a young married couple, thinking of starting a family, but there are so many things to worry about. One thing we discuss is how expensive it is to eat nowadays. Basic survival is getting tough. We've planted a garden this summer to offset the food costs that seem to rise every year. It got me thinking about WWII and the Victory Gardens everyday people planted to help the war effort.

I think we, the public, can help ourselves today by planting our own food, whether we live in the city or the suburbs.

Thanks for your time!

Robert's Story

Robert's Story

Federal service employee of 34 years, concerned about retirement benefits.

Robert's Story

July 22, 2010

Verga, NJ

Hello, my name is Robert and I have been employed in the federal service for 34 years.  Public service has truly been a rewarding career in the sense of accomplishment and in providing for the safety and security of the public.

Now, as I approach retirement, I am concerned that the federal government will substantially affect my retirement benefits in the cause of an overall reduction in expenses.  I remained in the civil service when I could have worked for a much larger income in the private sector because primarily the retirement program was fully funded in the federal government and was adjusted to account for the cost of living, as needed.  So, the security of my federal retirement was more attractive to me than any immediate pay increase that the private sector could offer.

This year, a bi-partisan commission has been formed to find ways to reduce federal deficit spending.  I am very concerned that even though my retirement program is fully funded and does not and will not contribute to this deficit, that this commission will propose reductions to retiree benefits as a measure of having everyone contributing their fair share to help reduce spending. 

This would be so unfair.  I don't mind paying my taxes and if congress needs money from all of us, it should propose raising the funds in an equitable fashion or reduce spending in programs that are not otherwise fully funded.

I've made sacrifices all of my life with the thought that my retirement would provide for me and my family.  We ate mac & cheese and hot dogs for many, many years to afford to send our kids to school. We could have spent money that we didn't have to buy steak.  But, we didn't. 

Since my retirement program is fully funded, the only purpose that congress would have in adjusting that program now would be to ensure that they collect any excess funding remaining in the program after the federal annuitants and their survivors die.  We don't force our parents to spend less on themselves so that we can have a bigger inheritance.  This just isn't the way that we treat our parents and it shouldn't be the way that we treat our dependents or annuitants.

Heike's Story

Heike's Story

Recently laid-off, recovering cancer patient collecting disability and social security.

Heike's Story

July 22, 2010

Monmouth Junction, NJ

I became seriously ill in 2007 (cancer). After 4 1/2 months while I was still undergoing treatment, my company fired me. I have been on disability and recently on social security. Getting a job at my age in this economic environment is impossible. I also lost a good deal of my savings in the Wallstreet fiasco despite the fact that I had a very conservative and balanced portfolio. At the same time, the Federal Government decided that seniors do not need an increase in social security for either 2010 or 2011 because there is no inflation. I don't know what country the government is residing in, but my food bill has gone up considerably, my utility bill has increased and my health insurance has gone up over 12%. Recently Gov. Christie has decided that seniors do not need a property tax rebate. That will increase my taxes by $100/month. My property taxes will consume 12.8% of my annual income and I only own a 1 BR condominum. Please help us seniors survive and work toward allowing an increase in our benefits, not a flat one time lump sum, but an actual increase.

Thank you

Tracy's Story

Tracy's Story

Father and husband supporting his disabled wife and college-aged son.

Tracy's Story

July 21, 2010

Cherry Hill, NJ

Before the Recession I was able to provide for my family. We could take an affordable vacation every couple years, buy normal food at the supermarket and eat out several times a year.

In October of last year I my company re-organized and eliminated my position. After three months of unemployment I took a lower level position as a Network Administrator at a 41% reduction in salary. This is not enough to cover our bills but is better than unemployment, so I am still losing ground but not as rapidly. I recently took a minimum-wage second job to help.

I support my wife, who is disabled, and a son who is now attending Camden County College on $50,000 now. Meanwhile, bills are going up.  Health Insurance costs rose 50% in a couple years from $10,000 to $15,ooo. Car insurance $4,000. Property tax $6,000. We have no spending money, everything goes to bills. We conserve as much as possible.

Everyone I talk to is in a similar situation. People are dropping health insurance and suffering. People aren't going to four year colleges. People are working for less pay. Meanwhile we see public employees with free health insurance complaining about minor increases and CEOs raking in tens of millions.

For things to get better, people need to earn double what they make now. Minimum wage should be $20/hr. We need to repeal the Reagan reforms and put things back the way they were before we let business rule our country. Families did not need two incomes to survive back then. Now they need three.

Press

Kitchen Table Economics

Pictures from Kitchen Table Economics Discussion

Video of Kitchen Table Economics Discussion