
McClain Delaney: Federal funding 'key' to community programs
LAVALE — With the help of federal funding, the Western Maryland Works Makerspace over the past few years prepared students to enter the workforce, and helped local businesses thrive.
After local manufacturing plants closed, WMW trained roughly 60 displaced employees for new jobs in the area.
In a setting where art meets science, the program matches people who want lucrative jobs with companies that need skilled workers.
'Federal dollars play a key role,' Rep. April McClain Delaney said. 'It's incredibly important.'
McClain Delaney — member of the U.S. House of Representatives for Maryland's 6th congressional district — toured the Makerspace Thursday.
The 33,000-square-foot center is owned and operated by Allegany College of Maryland.
The Makerspace provides advanced manufacturing and workforce development for the region with cutting-edge training for students in fields such as machine tool technology, welding and robotics.
During the tour, McClain Delaney talked to three WMW students.
'They love what they're doing,' she said.
'This is the hope,' McClain Delaney said of kids who, after high school graduation, want to stay in the community and secure jobs that pay well.
'I wish there was more like this,' she said of the WMW program, which gives students 'skills that often AI can't replace.'
MakerspaceIn addition to training students, the Makerspace offers local residents scheduled use of tools including 3D printers and laser engravers.
The building features more than $8 million worth of equipment, said Tom McInroy, WMW's dean of continuing education and workforce development.
WMW Director Shawn Orourke said the facility has plans to expand its welding machinery for public use.
WMW Director Shawn Orourke
Western Maryland Works Director Shawn Orourke
The Makerspace has industrial and technical tools and instructional programs for hobbyists, students and entrepreneurs, he said.
'We want to work on all levels,' Orourke said. 'We're trying to develop classes to meet (the needs of) everybody.'
FundingMcClain Delaney said she's concerned about how the Trump administration's federal funding cuts could impact the facility and countless other programs and agencies, people and communities.
'I am furious ... it's nonsensical,' McClain Delaney said. 'It's gonna cost us more money in the long run.'
She talked of threats to cut Social Security, Medicare and Medicaid services.
'All of these things together ... it's destabilizing our country,' McClain Delaney said. 'All of these things matter.'
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
30 minutes ago
- Yahoo
Trump's ‘Big Beautiful Bill' Would Slash Medicaid & SNAP: 3 Moves Retirees Should Make Now
President Donald Trump's 'one big beautiful bill' has passed in the House and is now awaiting Senate approval. If passed, Trump's signature bill would extend the tax cuts granted by the 2017 Tax Cuts and Jobs Act and add additional tax cuts. While this might be welcome news to many, the bill also includes changes to Medicaid and the Supplemental Nutrition Assistance Program (SNAP) that could threaten seniors' access to these programs. Find Out: Read Next: 'The 'one big beautiful bill' passed by the House of Representatives, if it were passed into law today, would cut Medicaid and SNAP by a combined $1 trillion,' said Chris Orestis, president of Retirement Genius. 'In addition, because of the increase to federal debt of as much as $5 trillion, the bill would trigger an automatic reduction in Medicare funding of $500 billion,' he continued. 'This would represent the largest cut to social services and health insurance for the poor, disabled, children and the elderly in U.S. history.' Here's a look at the changes retirees can make now to secure care and avoid benefit disruptions if the bill were to pass. Before changes go into effect, check with your healthcare providers to ensure there won't be any interruption to your care if there are cuts to Medicaid. 'Check with your healthcare provider to see if they might cut back on services or cease accepting Medicaid-funded patients, and contact any nursing home where you or a loved one may reside to find out if they will be reducing the number of patients they can support — or even [if they are] possibly planning to close,' Orestis said. Knowing this ahead of time will allow you to find alternative care providers before it's too late. Learn More: If you are reliant on SNAP, start searching for alternatives that may be able to provide food assistance in the event your benefits are reduced or cut. 'Make sure you know where there are local support services through community or faith-based organizations to replace lost access through SNAP,' Orestis said. Many retirees plan to 'spend down' their savings so that they qualify for Medicaid to pay for their long-term care. However, this may no longer be a viable option. 'If you are considering going onto Medicaid for long-term care and are preparing to engage the 'spend down' process to impoverish yourself and get below the poverty level to qualify, you may want to reconsider that strategy, and instead look to leverage private pay resources to pay for your care,' Orestis said. 'If you are on Medicaid, you will primarily be reliant on nursing homes for your care, and their ability to withstand these cuts will be very challenging and up in the air,' he continued. 'If you are private pay, you are in control and can decide where and when you will receive care, such as at home or an assisted living community not funded by Medicaid.' Strategies to stay private pay for long-term care would include long-term care insurance, annuities, a life insurance settlement, a reverse mortgage or VA benefits. Editor's note on political coverage: GOBankingRates is nonpartisan and strives to cover all aspects of the economy objectively and present balanced reports on politically focused finance stories. You can find more coverage of this topic on More From GOBankingRates Clever Ways To Save Money That Actually Work in 2025 This article originally appeared on Trump's 'Big Beautiful Bill' Would Slash Medicaid & SNAP: 3 Moves Retirees Should Make Now

Miami Herald
37 minutes ago
- Miami Herald
Dave Ramsey sends major message to Americans on IRAs, Roth IRAs
Americans preparing for retirement encounter various challenges, primarily centered on maintaining financial security and sustaining the lifestyle they envision after leaving the workforce. Key concerns involve estimating potential Social Security payments and evaluating how much they will be able to depend on their accumulated retirement funds. Dave Ramsey, bestselling personal finance author and radio host, offers important words for Americans on traditional IRAs, Roth IRAs and some key advice on ways to achieve a financially comfortable retirement. Don't miss the move: Subscribe to TheStreet's free daily newsletter Making sure retirement funds can adequately cover future expenses is a top priority for many Americans. With rising life expectancies and the uncertainty of financial markets, retirees must strategize how to extend their savings throughout their retirement years. To build financial security, individuals wisely invest in 401(k)s, IRAs, and similar accounts while factoring in tax considerations. Another significant concern is health care costs, which tend to increase as medical needs grow with age. Although Medicare helps alleviate some expenses, it does not cover everything, requiring retirees to account for out-of-pocket costs such as medications, long-term care, and some additional medical services. Related: Dave Ramsey warns Americans on Social Security The impact of rising inflation is a significant concern, as it reduces the purchasing power of fixed retirement incomes. Many retirees worry that inflation could hinder their ability to maintain their preferred lifestyle, especially those who depend heavily on Social Security benefits. While Social Security remains a crucial source of retirement income, relying on it entirely brings uncertainty. Questions surrounding its long-term viability, cost-of-living adjustments, and possible benefit reductions due to solvency concerns add to the financial stress many retirees face. Recognizing these challenges, Ramsey issues a caution regarding traditional IRAs and Roth IRAs, offering Americans guidance on setting financial priorities and navigating the complexities of retirement planning. Ramsey explains that both Roth IRAs and traditional IRAs are valuable tools for retirement savings, but the key distinction lies in how they are taxed. A Roth IRA is funded with after-tax dollars, allowing investments to grow tax-free. When retirement arrives, withdrawals from the Roth IRA remain tax-free, providing financial flexibility. In contrast, a traditional IRA is funded with pretax money, offering an immediate tax advantage. However, when funds are withdrawn during retirement, both the contributions and their accumulated growth are subject to taxation. "While a Roth IRA doesn't offer any current-year tax benefits like a traditional IRA, it gives you something even better: tax-free growth and tax-free withdrawals once you retire," Ramsey wrote. "Now, that's a sweet deal!" More on retirement: Dave Ramsey sounds alarm for Americans on Social SecurityScott Galloway warns Americans on 401(k), US economy threatShark Tank's Kevin O'Leary has message on Social Security, 401(k)s Another significant difference between these accounts is the income limits. A traditional IRA has no income restrictions, meaning individuals can contribute regardless of how much they earn annually. A Roth IRA, on the other hand, has specific eligibility requirements. In 2025, those filing as single or head of household can contribute the full amount if their gross income is below $150,000. For married couples filing jointly, the threshold is $246,000. Related: Dave Ramsey sends strong message to Americans on 401(k)s Once a person turns 59-and-a-half and has held their Roth IRA for at least five years, they are free to withdraw both contributions and earnings without facing taxes or penalties - an excellent advantage for retirees. However, if one's Roth IRA has been open for less than five years, any earnings they take out will be subject to taxes. In 2025, the Roth IRA contribution limit remains $7,000 for those under 50, translating to a monthly contribution of $583.33 when divided over 12 months. Individuals aged 50 and older can contribute up to $8,000, which allows for monthly contributions of $666.67. These limits require savers to plan smartly, ensuring steady growth in their retirement accounts while optimizing tax advantages, Ramsey explains. By making consistent contributions, individuals can build financial security for their future while taking advantage of tax-free growth. Related: Shark Tank's Kevin O'Leary makes bold prediction on U.S. economy The Arena Media Brands, LLC THESTREET is a registered trademark of TheStreet, Inc.
Yahoo
3 hours ago
- Yahoo
A New Social Security Garnishment Is Set to Begin This Summer -- but There Are 2 Legal Ways Most Retirees Can Avoid It
Getting as much as possible out of Social Security isn't a luxury for most retirees -- it's an absolute necessity. This summer, the Trump administration will begin garnishing up to 15% of Social Security benefits for delinquent federal student loan borrowers. Two perfectly legal solutions exist that may allow a majority of tardy federal student loan borrowers to avoid having their Social Security checks garnished. The $23,760 Social Security bonus most retirees completely overlook › For most retirees, Social Security isn't just income that's deposited into their checking or savings account on a monthly basis. It represents a financial lifeline that many would likely struggle to make do without. In 2023, Social Security was responsible for lifting 22 million people above the federal poverty line, some 16.3 million of whom were adults aged 65 and above. Meanwhile, 23 years of annual surveys from national pollster Gallup find that up to 90% of retirees require their monthly benefit, to some degree, to make ends meet. Getting as much out of Social Security isn't a luxury -- it's often a necessity. But beginning sometime this summer, select retirees can expect their Social Security checks to shrink by up to 15%. For some of these beneficiaries, it's income they simply can't afford to lose. For well over six decades, the federal government has played a role in subsidizing and guaranteeing student loans. As of April 2025, the U.S. Department of Education (DOE) notes that 42.7 million Americans had a cumulative $1.6 trillion in federal student loans outstanding. However, the collection of federal student loan repayments was halted during the early stages of the COVID-19 pandemic (March 2020) and was simply never lifted. According to the DOE, more than 5 million borrowers haven't made a payment in 360 days, and another 4 million are between 91 and 180 days late on their monthly payments. While higher education student loans may sound like something that affects relatively younger Americans, they've become a prominent issue for retirees. Whereas the aggregate number of student loan borrowers under the age of 62 has declined by 1% from 2017 to 2023, the number of student loan borrowers aged 62 and above has surged 59% to approximately 2.7 million over the same period, based on data from the Consumer Financial Protection Bureau (CFPB). Per the CFPB, an estimated 452,000 of these senior borrowers have defaulted on their federal student loans and are likely receiving Social Security benefits. Since President Donald Trump took office in January, his administration has targeted perceived government fraud and is aiming to make federal operations more efficient. One of the many changes under Trump, vis-à-vis the Social Security Administration (SSA), is the reimplementation of Social Security garnishments for delinquent federal student loan borrowers. Beginning "sometime this summer," per Trump's administration, tardy borrowers receiving a Social Security benefit -- this applies to all types of beneficiaries (retired workers, survivors of deceased workers, and workers with disabilities) -- could see their payouts garnished by up to 15%. The one caveat to this garnishment is that recipients must be left with at least a $750 monthly Social Security benefit. Thus, if your normal payout is $825 per month, the maximum garnishment would be $75 per month instead of the flat 15%. Additionally, the Trump administration isn't planning to offer delinquent federal student loan borrowers a 65-day warning prior to potential garnishment, as has been customary in the past. Rather, communications sent out provide just 30 days' notice that garnishments are possible if borrowers are still in default. According to the CFPB, 37% of the Social Security beneficiaries who have a federal student loan outstanding (delinquent or not) currently rely on their monthly check from America's leading retirement program for 90% (or more) of their income. Even a 15% garnishment for defaulted borrowers in this category has the potential to be financially devastating. It goes without saying that the easiest way to avoid this new garnishment by the Trump administration is to not be in default on your federal student loan(s). But for the roughly 452,000 Social Security retirees set to be impacted by this change in policy, there are two under-the-radar yet perfectly legal solutions that should allow a majority to avoid having their payouts garnished. To begin with, some of these defaulted borrowers may qualify for the Total and Permanent Disability (TPD) discharge program, which cancels federal student loans and stops forced collections. As the CFPB pointed out in a January research report, the DOE entered into a data-matching agreement with the SSA in 2021 to automate the TPD eligibility and federal student loan cancellation processes for beneficiaries who become disabled prior to reaching full retirement age (currently age 67 for anyone born in or after 1960). However, this TPD application process is failing Social Security beneficiaries who become permanently disabled after they reach full retirement age. The CFPB notes that the onus of applying for a TPD discharge of their federal student loans and/or garnishment falls onto aged beneficiaries. Census survey data shows that approximately 22% of Social Security recipients with federal student loans report having a permanent disability, per the CFPB's report. Social Security retirees currently in default on their federal student loan(s) can also potentially avoid having their monthly check garnished by applying for a financial hardship with the DOE. Defaulted borrowers will be required to provide documentation of their income and qualifying expenses to the DOE. If an individual's qualifying expenses are larger than their documented income -- especially pertaining to a possible 15% garnishment of their Social Security payout -- the DOE will likely grant a financial hardship exemption. Based on data from the Federal Reserve Board's Survey of Household Economics and Decisionmaking, the CFPB estimates that a whopping 82% of Social Security beneficiaries currently in default on their federal student loans would qualify for the hardship exemption -- in other words, their qualified expenses would exceed their documented income. Yet, a 2015 Government Accountability Office report found that fewer than 10% of Social Security recipients with forced federal student loan collections applied for a hardship exemption. If delinquent borrowers were to simply apply for this financial hardship with the DOE, a majority would likely be granted it. If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known could help ensure a boost in your retirement income. One easy trick could pay you as much as $23,760 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Join Stock Advisor to learn more about these Motley Fool has a disclosure policy. A New Social Security Garnishment Is Set to Begin This Summer -- but There Are 2 Legal Ways Most Retirees Can Avoid It was originally published by The Motley Fool Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data