Trying to survive
Vick Torre

Jersey City, NJ

#154 May 20, 2013
Sublime1 wrote:
<quoted text>
I've seen it all to often ... folks blowing money on beer and cigarettes and what have you while they are working, and not saving anything for retirement or even thinking much about it or what will happen to them. I grew up in a mostly blue collar town. I've seen a lot of poor decision making. I've seen guys who work and go to bars every day after work (my folks used to own a tavern).
I've also seen folks who saved as much money as they possibly could, worked 50-60 hours a week (sometimes more)(guys in the trades working side jobs every weekend), sometimes two jobs, forgone most luxuries and vacations, made wise choices in life, and wonder why they get stuck paying for folks who made poor choices in life.
People think of red America as being nothing but a bunch of ignorant red necks, but there are a lot of good hard working people there. They'll also more often than not bend over backwards to help a person in need, but they don't like being taken advantage of and they kinda expect ya to put your best foot forward, behave responsibly, not aggravate your situation, use some sense, and put in the effort. Some of the best people in this country come from those areas.
I do not drink, smoke, gamble. Never liked those outlets. I know about saving for retirement. Laid off 3 months ouy of high school. Got another job. 5 years later laid off again. Savings went into paying bills-rent. Those don't stop you know. Began saving again. The job of 4 years closed. Again digging into savings till another job gotten. Hired as an apartment manager 2 years and the building was sold. Out if work again. Using savings to live on till next job. Got a manager job in Atlantic city. Pay was based on how many stayed. 2 years there. Savings used again to move to where I am now. Got a job at Bradless dept store. They're sll gone to. The 2 jobs as manager-salaried, work averaged 60 hours a week. No benefits on the one management job in. N.J.

“Whip it, whip it good”

Level 8

Since: Feb 13

Location hidden

#155 May 20, 2013
One more words.. Me amiga say find person to sell you camper Winbago? You drive you park at camps.
Vick Torre

Jersey City, NJ

#156 May 20, 2013
milwaukee69 wrote:
I lived in Newnan, GA for over 5 years. The studio I rented in my last year there was $250. The COL down there was about 60-75% of what the rest of the country was at the time.
If you plan on retiring on $900 a month - make sure you choose somewhere in the Sahara desert.
If rent was that here, I would have moved to it a year ago! This is S.E. Pa. I said the cheapest was 605. S.S. saud southeten states cost less.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#157 May 20, 2013
Marry a College Student.
OK, this one might be somewhat difficult, but give it a shot. If you marry a college student, you're eligible to live in Family Campus Housing. These are traditionally the largest apartments on a college campus and offer a wide range of amenities that are all included in rent. Enjoy rent, water, electricity, gas, WiFi, and cable for $415 a month! And stay in college as long as possible to enjoy the savings!

Join AmeriCorps VISTA.
One of the best kept secrets in the country. AmeriCorps Volunteers In Service to America allows you to serve your community while still receiving federal benefits if you are already in the system. This is not a call to milk the government, but if you're already living in poverty , you might as well earn a living and gain experience from it! You receive a modest stipend (between $700-$900 a month), and get free health care, along with an optional $4,750 educational award after your service. You can serve as a VISTA for 3 years, but only receive a two educational awards.

Clip coupons.
I know it sounds like something your mom used to do, but clipping coupons really helps. You can even make a game out of it, in which you try to see how much money you can save from month to month. By purchasing only what you need and using coupons for those products, you'll save more money than you spend in some cases!

http://framethyfearfulsymmetry.blogspot.com/2...

Level 8

Since: Aug 08

Location hidden

#158 May 20, 2013
Vick Torre wrote:
<quoted text> I do not drink, smoke, gamble. Never liked those outlets. I know about saving for retirement. Laid off 3 months ouy of high school. Got another job. 5 years later laid off again. Savings went into paying bills-rent. Those don't stop you know. Began saving again. The job of 4 years closed. Again digging into savings till another job gotten. Hired as an apartment manager 2 years and the building was sold. Out if work again. Using savings to live on till next job. Got a manager job in Atlantic city. Pay was based on how many stayed. 2 years there. Savings used again to move to where I am now. Got a job at Bradless dept store. They're sll gone to. The 2 jobs as manager-salaried, work averaged 60 hours a week. No benefits on the one management job in. N.J.
You must be the most unlucky person in the world to have lost all of those jobs through no fault of your own and then to become disabled.

The sad fact is that if you have no retirement savings, you are going to be just getting by on SS. There's really not enough $$ to fund the program and allow folks to live well on it. As it is, we are running it dry.

I would seriously GTFO out Baltimore if I were you, tho. You can stretch dollars a lot further in other parts of the country.

Level 8

Since: Aug 08

Location hidden

#159 May 20, 2013
milwaukee69 wrote:
Marry a College Student.
OK, this one might be somewhat difficult, but give it a shot. If you marry a college student, you're eligible to live in Family Campus Housing. These are traditionally the largest apartments on a college campus and offer a wide range of amenities that are all included in rent. Enjoy rent, water, electricity, gas, WiFi, and cable for $415 a month! And stay in college as long as possible to enjoy the savings!
Bwahahahahaha!!!! I'm sure tons of college students want to marry someone his age.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#160 May 20, 2013
Sublime1 wrote:
<quoted text>
Bwahahahahaha!!!! I'm sure tons of college students want to marry someone his age.
I thought the same thing, but hold on...if he/she is a veteran...or a government employee...

The idea was not so much to marry a college student but to become one.

There is an absolute sh*tload of grants available for folks to go back to school.

True story bro'.

Level 8

Since: Aug 08

Location hidden

#161 May 20, 2013
milwaukee69 wrote:
I know it sounds like something your mom used to do, but clipping coupons really helps. You can even make a game out of it, in which you try to see how much money you can save from month to month. By purchasing only what you need and using coupons for those products, you'll save more money than you spend in some cases!
http://framethyfearfulsymmetry.blogspot.com/2...
Sometimes some stores will double or triple the coupons. My wife's gotten paid to buy stuff before.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#162 May 20, 2013
Individual
For the most part, philanthropic organizations prefer investments with long-term potential. They like to see their money making a lasting impact. Therefore, grants to individuals for emergency assistance are not common. However, there are some. For instance, the Senior Emergency Home Repair Program provides grants of $12,000 to Detroit citizens 65 years and over, or 55 years and over with a disability. This grant is to be used for home repairs.

Local
When seeking individual grants, look to local resources. Of the grants that do exist for individual elderly assistance, most are for citizens local to the area of operation. For instance, many utility companies offer assistance to the elderly and in need. Other resources for assistance may include churches, local corporations, community centers and health-care organizations.

www.NewUSAFunding.com Veterans
Some grants do exist for the elderly who have served our military honorably. For instance, the Michigan Veterans Trust Fund provides emergency hardship assistance to veterans and their dependents in Michigan who need financial aide for life's expenses. The veterans office in your state can provide more information about the options available for you.

If you aren't a veteran, check with the company from which you retired. It might have a similar program for support.

Institutional Support
A lot of elderly support comes directly from local non-profits, nursing homes and hospitals. As such, much of the philanthropy goes indirectly to the elder person through these organizations. The government also offers grants to support such groups. For instance, the Administration on Aging gives a variety of grants to states and non-profits that offer elder care.

Education
The Medical Student Training in Aging Research Program, sponsored in part by the National Institute on Aging and the John A. Hartford Foundation, offers research support and mentorship to medical students interested in allopathic and osteopathic medicine. Good training for geriatric doctors now is an investment in the elderly in the future.

http://www.back2college.com/library/scholarsh...
Vick Torre

Jersey City, NJ

#163 May 20, 2013
Sublime1 wrote:
<quoted text>
You must be the most unlucky person in the world to have lost all of those jobs through no fault of your own and then to become disabled.
The sad fact is that if you have no retirement savings, you are going to be just getting by on SS. There's really not enough $$ to fund the program and allow folks to live well on it. As it is, we are running it dry.
I would seriously GTFO out Baltimore if I were you, tho. You can stretch dollars a lot further in other parts of the country.
Not in Baltimore. In S.E. Pennsylvania. Yeah all those lay off / buisness sold or closed. Always did good work and was noticed by employers. Even at a part time job,when contract lost,the manager of the buisness requested the nre company to hire me onto their payroll. Most likly I'll be traveling and looking for jobs from town to town. Get on a bus till I see an opportunity like guys use to do decades ago.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#164 May 20, 2013
Sublime1 wrote:
<quoted text>
Sometimes some stores will double or triple the coupons. My wife's gotten paid to buy stuff before.
It's definitely a part time job, but it is possible to have the grocery store pay you for shopping. Had a GF in Georgia that was an extreme couponer.
Vick Torre

Jersey City, NJ

#165 May 20, 2013
Sublime1 wrote:
<quoted text>
Bwahahahahaha!!!! I'm sure tons of college students want to marry someone his age.
LoL!! At age 58, not many younger would marry someone older.
Vick Torre

Jersey City, NJ

#166 May 20, 2013
Got a phone call awhile ago from the bank. Home gone on 8-16-13. Now I know when I'll be homeless.
Vick Torre

Jersey City, NJ

#167 May 20, 2013
milwaukee69 wrote:
<quoted text>
It's definitely a part time job, but it is possible to have the grocery store pay you for shopping. Had a GF in Georgia that was an extreme couponer.
Most my food comes from the Dollar Tree store. How I been getting by the past 17 months. That one in the next town has frozen food to. Since refridgerator off, its all canned, jars, packaged foods. Don't think I can go less for food.
Vick Torre

Jersey City, NJ

#168 May 20, 2013
milwaukee69 wrote:
<quoted text>p

But Grace - you are guilty of doing the same thing - making an assessment without knowing the person personally. And I've got to tell you - if you indeed know this "person," then why not offer help yourself? We've been down this road before - there is no reason on the entire planet to ever believe this "person" is genuine.
If you believe 1% of 1% of what is posted on the internet - you're believing way too much.
Just as we don't belive you either on what you put on an internet.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#169 May 20, 2013
I dunno man - if there was ever such a thing as the perfect negative scenario - you're it.

You can't work because of a disability.

All you have is $900 a month in SS.

You're losing your home.

You have no electricity, gas or heat.

You live in Baltimore, MD.

You have no family, relatives or friends.

You're too old to go back to school.

It sounds like you've planned this pretty well in advance.

“I know where you are,”

Level 8

Since: Jun 08

Right here under my thumb

#170 May 20, 2013
Vick Torre wrote:
<quoted text> Just as we don't belive you either on what you put on an internet.
I'm not asking you to - but you are.

Level 8

Since: Aug 08

Location hidden

#171 May 20, 2013
milwaukee69 wrote:
I dunno man - if there was ever such a thing as the perfect negative scenario - you're it.
You can't work because of a disability.
All you have is $900 a month in SS.
You're losing your home.
You have no electricity, gas or heat.
You live in Baltimore, MD.
You have no family, relatives or friends.
You're too old to go back to school.
It sounds like you've planned this pretty well in advance.
And, he's lost like 20 jobs, through absolutely no fault of his own.

One place he worked at got taken out by a volcano. Another place he worked at was destroyed by a meteorite. Godzilla and King Kong came and rolled around on top of another place. Another one fell into a sink hole...

“Cool huh?”

Since: Jun 06

Location hidden

#172 May 20, 2013
milwaukee69 wrote:
I dunno man - if there was ever such a thing as the perfect negative scenario - you're it.
You can't work because of a disability.
All you have is $900 a month in SS.
You're losing your home.
You have no electricity, gas or heat.
You live in Baltimore, MD.
You have no family, relatives or friends.
You're too old to go back to school.
It sounds like you've planned this pretty well in advance.
Correction....

He has two friends on this thread alone....Grace and myself

and one or two others have shown some understanding of his
situation...

Level 8

Since: Aug 08

Location hidden

#173 May 20, 2013
eleanorigby wrote:
<quoted text>Correction....

He has two friends on this thread alone....Grace and myself

and one or two others have shown some understanding of his
situation...
M69 has a point. It's a bit unbelievable. He's either fibbing or he must be the most unlucky person on the planet.

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