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A Senate farm bill passed in June would only make a tenth of the cuts to food stamps, or $400 million, and the White House has issued a veto threat against the House bill. The two chambers will also have tao agree on policy for farm subsidies amid disputes between different crops.Every Democrat voting on Thursday opposed the bill. Many took to the floor with emotional appeals.House Minority Leader , DCalif., said the bill is a "full assault on the health and economic security of millions of families." Texas Rep. called it the "let them starve" bill.White House spokesman said Thursday that are attempting to "literally take food out of the mouths of hungry Americans in order to, again, achieve some ideological goal."The says that if the bill were enacted, as many as 3.8 million people could lose their benefits in 2014.Around 1.7 million of those would be the ablebodied adults who would be subject to work requirements after three months of receiving food stamps. The 1996 welfare law put that limit into law, but most every state has been allowed to waive that requirement since the Great Recession began in 2008.The other 2.1 million would lose benefits because the bill would largely eliminate socalled categorical eligibility, a method used by many states that allows people to automatically qualify for food stamps if they already receive other benefits. Some of those people who qualify that way do not meet current SNAP income and asset tests.The reported this week that just over half of those who received food stamps were below poverty and 44 percent had one or more people with a disability.By state, Oregon led the nation in food stamp use at 20.1 percent, or 1 in 5, due in part to generous state provisions that expand food stamp eligibility to families. Oregon was followed by more rural or more economically hardhit states, including Mississippi, Kentucky, Maine, Michigan and Tennessee. Wyoming had the fewest households on food stamps, at 7 percent

4B a year from food stamps

WASHINGTON (AP) The House has voted to nearly $4 billion a year from food stamps, a 5 percent reduction to the nation's main feeding program used by more than 1 in 7 Americans.The 217210 vote was a win for conservatives afterThe bill's savings would be achieved by allowing states to put broad new work requirements in place for many food stamp recipients and to test applicants for drugs. The bill also would end government waivers that have allowed ablebodied adults without dependents to receive food stamps indefinitely.House conservatives, led by Majority Leader , RVa., have said the almost $80 billionayear program has become bloated. More than 47 million Americans are now on food stamps, and the program's cost more than doubled in the last five years as the economy struggled through the Great Recession. Democrats said the rise in the rolls during tough economic times showed the program was doing its job.Finding a compromise and the votes to scale back the feeding program has been difficult. The conservatives have insisted on larger cuts, Democrats opposed any cuts and some moderate Republicans from areas with high food stamp usage have been wary of efforts to slim the program. The White House has threatened to veto the bill.House leaders were still shoring up votes on the bill just hours before the vote. To make their case, the Republican leaders emphasized that the bill targets ablebodied adults who don't have dependents. And they say the broader work requirements in the bill are similar to the 1996 welfare law that led to a decline in people receiving that government assistance."This bill is designed to give people a hand when they need it most," Cantor said on the floor just before the bill passed. "And most people don't choose to be on food stamps. Most people want a job . They want what we want."The new work requirements proposed in the bill would allow states to require 20 hours of work activities per week from any ablebodied adult with a child over age 1 if that person has child care available. The requirements would be applicable to all parents whose children are over age 6 and attending school.The legislation is the House's effort to finish work on a wideranging farm bill, which has historically included both farm programs and food stamps. The approved a combined bill earlier this year, but it was defeated on the floor in June after conservatives revolted, saying the cuts to food stamps weren't high enough. That bill included around $2 billion in cuts annually.After the farm bill defeat, Republican leaders split the legislation in two and passed a bill in July that included only farm programs. They promised the food stamp bill would come later, with deeper cuts.In order to negotiate the bill with the Senate, Republicans said Thursday that one more step is needed the House will have to hold a procedural vote to allow both the farm and food stamp bills to go to a HouseSenate conference together. It is unclear whether Republicans who pushed to split the two bills will oppose that effort.Once the bills get to that conference, negotiations with the Senate will not be an easy task. A Senate farm bill passed in June would only make a tenth of the cuts to food stamps, or $400 million, and the White House has issued a veto threat against the House bill. The two chambers will also have to agree on policy for farm subsidies amid disputes between different crops.Every Democrat voting on Thursday opposed the bill. Many took to the floor with emotional appeals.House Minority Leader , DCalif.,

said the bill is a "full assault on the health and economic security of millions of families." Texas Rep. called it the "let them starve" bill.White House spokesman said Thursday that are attempting to "literally take food out of the mouths of hungry Americans in order to, again, achieve some ideological goal."The says that if the bill were enacted, as many as 3.8 million people could lose their benefits in 2014.Around 1.7 million of those would be the ablebodied adults who would be subject to work requirements after three months of receiving food stamps. The 1996 welfare law put that limit into law, but most every state has been allowed to waive that requirement since the Great Recession began in 2008.The other 2.1 million would lose benefits because the bill would largely eliminate socalled categorical eligibility, a method used by many states that allows people to automatically qualify for food stamps if they already receive other benefits. Some of those people who qualify that way do not meet current SNAP income and asset tests.The reported this week that just over half of those who received food stamps were below poverty and 44 percent had one or more people with a disability.By state, Oregon led the nation in food stamp use at 20.1 percent, or 1 in 5, due in part to generous state provisions that expand food stamp eligibility to families. Oregon was followed by more rural or more economically hardhit states, including Mississippi, Kentucky, Maine, Michigan and Tennessee. Wyoming had the fewest households on food stamps, at 7 percent.

5 Ways to Hedge Against Retirement Unknowns

[See 10 Places to Go Carless in Retirement.]

Diversify and minimize investing . You should allocate your retirement savings across a diverse set of investment choices. This way, if one asset drops in value, the odds are low that the other asset classes will also decline. Additionally, focus on funds and accounts that have low expense ratios. You can't always predict investment returns, even with the most diverse portfolio. But you can predict expenses. Make them as small as possible.

Avoid relying too much on one source of income. Much like the diversity you create with a properly allocated set of investments, you should create several different sources of retirement income. It's okay to expect some help from Social Security and your former employer if you have a company pension. But don't put all your eggs in those baskets. Make sure you have your own retirement accounts as well.

[See 10 Ways to Boost Your Retirement Savings.]