Ralph Paladino eats dinner with his wife Rosemarie at their home in Utica, NY on September 3, 2015, at a table they've owned since they moved into their house in 1979. The Paladinos live primarily on Ralph's police officer's pension and social security, and have home equity loan with an interest rate linked to the prime lending rate. A Fed rate increase would force their already tight budget even further. Photographer: Mike Bradley/Bloomberg
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