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more than half of their income for housing expenses according to the National Alliance to End Homelessness. At the same time many of these households live from paycheck to paycheck with no savings. The loss of a job a serious illness or some other personal disaster can quickly snowball into missed rent or mortgage payments and ultimately to eviction or foreclosure. Today the rapid unexpected loss of jobs and resultant foreclosures has caused great dislocation among families and has dramatically added to the number of people without a roof over their heads according to HomeAid. Working for the same company until retirement is almost unheard of any longer. The decrease of manufacturing jobs outsourcing work to other countries and an increase in temporary and part-time employment have eroded the stability of the job market. Jobs today are not only far less secure than they were in the past but many also pay less when consid- ering the rate of inflation. In the late 1960s a minimum-wage job could sustain a family of three above the poverty line. That isnt the case today writes Stephanie Watson contributor to How Stuff Works. A recent U.S. Conference of Mayors report stated that in every state more than the minimum wage is required to afford a one- or two-bedroom apartment at 30 percent of a persons incomethe federal definition of affordable housing. Unfortunately for 12 16 WWW.AGRM.ORG MARCHAPRIL 2016 The decrease of manufacturing jobs outsourcing work to other countries and an increase in temporary and part-time employment have eroded the stability of the job market.