http://groups.google.com/group/misc.consumers.frugal-living?hl=en
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Today's topics:
* Wireless light switch that burns your house down - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/81934a704410b616?hl=en
* No frozen yogurt at Krogers - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/9c140886712a166e?hl=en
* In what way are you LEAST frugal? - 4 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/18003f4ff7c65165?hl=en
* REVERSE MORTGAGES Can Reverse Seniors' Peace of Mind! Don't Be A Sucker! -
17 messages, 6 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/0473fdfcc503264d?hl=en
* Cheap price wholesale Fashion Affliction Jean,Bape Jean,G-star Jean,Evisu
Jean ect at WEBSITE --- www.ebaychinaonline.com (paypal payment) - 1 messages,
1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/db09ffba596b5b85?hl=en
==============================================================================
TOPIC: Wireless light switch that burns your house down
http://groups.google.com/group/misc.consumers.frugal-living/t/81934a704410b616?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Oct 25 2009 12:52 pm
From: Al
On Oct 24, 1:07 pm, zeez <blinkingblyth...@gmail.com> wrote:
> http://consumerist.com/5388705/consumer-reporter-keeps-buying-things-...
>
> The Handy Switch, pitched in infomercials by the late Billy Mays, is
> theoretically a cool product. It's a wireless light switch that you
> can install and plug in anywhere. It would be very useful were it not
> for its unfortunate tendency to burst into flames.
>
> Consumer reporter Mitch Lipka, who buys and tests products for
> WalletPop, managed to get a Target Halloween flashlight yanked off
> shelves earlier this month when his caught fire. Then his Handy Switch
> was recalled for similar reasons. Luckily, it wasn't in use in his
> home because the thing didn't work in the first place.
This switch could become the choice of arsonists across the country,
especially Detroit. Simply stand outside and turn the light on. Poof.
You're done.
==============================================================================
TOPIC: No frozen yogurt at Krogers
http://groups.google.com/group/misc.consumers.frugal-living/t/9c140886712a166e?hl=en
==============================================================================
== 1 of 3 ==
Date: Sun, Oct 25 2009 12:55 pm
From: "Rod Speed"
sr wrote:
>> Wow ! Talk about inflation !
> Inflation? Us old people aren't getting s.s. increases because, they claim, there isn't any inflation. However, I see
> my food of choice has gone up for 33 cents to 47 cents to 118 all in one year.
What food is that ?
> If this isn't inflation, it must be the weak dollar that is making this price increases
Unlikely that you are eating imported food exclusively, at that price.
And if its imported from china, it wont be the weak dollar
either because their currency is locked to the US dollar.
> ===========
> "Gerry" <xvbg@xvx.com> wrote in message
> news:3do8e5p3c94agmoate4atc17fbu9besnrj@4ax.com...
>> About 6 years ago I decided I needed to watch my weight and slow down
>> on snack food. Such as cake, cookies and candy. To avoid the
>> "good stuff" I picked up a gallon container of frozen yogurt at
>> Krogers. It had 32 -- 4oz servings. Each serving was 90 calories. I ate
>> four of five servings a day and have been able to maintain my weight.
>> The cost of a gallon was about $4 (give or take a few cents.)
>>
>> That means about a gallon a week for 6 years. Imagine my surprise
>> when I discovered last week that Krogers is no longer carrying
>> gallons of frozen yogurt.
>>
>> I went to Publix, but all the frozen yogurt they had was packaged in
>> one quart tubs and priced at about $4 each. Wow ! Talk about
>> inflation !
>>
>> Does anybody know of any other grocers who might carry the gallon
>> containers ?
== 2 of 3 ==
Date: Sun, Oct 25 2009 2:31 pm
From: "sr"
"Les Cargill" <lcargill99@comcast.net> wrote in message
news:hc27os$7f9$1@news.eternal-september.org...
> sr wrote:
>> snip: Wow ! Talk about
>>> inflation !
>> =[=[
>> Inflation? Us old people aren't getting s.s. increases because, they
>> claim, there isn't any inflation. However, I see
>> my food of choice has gone up for 33 cents to 47 cents to 118 all in one
>> year. If this isn't inflation, it must be the weak dollar that is making
>> this price increases
>> ===========
>
> You're looking at one blade of grass. They're averaging the entire yard.
>
> <snip>
>
> --
> Les Cargill
There is 2 blades, here,
How come congress gave their aid a raise? if there is no inflation?
BTW, Congress gets 4 times the salary as us avg. PEONS gets, How come? They
always claim cost of living and give themself a raise.
== 3 of 3 ==
Date: Sun, Oct 25 2009 3:20 pm
From: "Rod Speed"
sr wrote
> Les Cargill <lcargill99@comcast.net> wrote
>> sr wrote
>>>> Wow ! Talk about inflation !
>>> Inflation? Us old people aren't getting s.s. increases because, they claim, there isn't any inflation. However, I
>>> see my food of choice has gone up for 33 cents to 47 cents to 118 all
>>> in one year. If this isn't inflation, it must be the weak dollar
>>> that is making this price increases
>> You're looking at one blade of grass. They're averaging the entire yard.
> There is 2 blades, here,
Your problem.
> How come congress gave their aid a raise? if there is no inflation?
> BTW, Congress gets 4 times the salary as us avg. PEONS gets, How come?
Because they decide how much they get, stupid.
> They always claim cost of living and give themself a raise.
You were always free to make better provision for your time past working than social security.
==============================================================================
TOPIC: In what way are you LEAST frugal?
http://groups.google.com/group/misc.consumers.frugal-living/t/18003f4ff7c65165?hl=en
==============================================================================
== 1 of 4 ==
Date: Sun, Oct 25 2009 12:57 pm
From: Al
On Oct 24, 3:20 am, "OhioGuy" <n...@none.net> wrote:
> I was having a discussion with someone this past week, and had to admit
> that while I try to be frugal in nearly every part of my life, I simply want
> a long, hot shower - sometimes I take a half hour one. <this came up because
> our new house has no natural gas hookup, and I've heard that the electric
> water heaters can have trouble keeping up with usage>
>
> So this is probably the area where I'm not so frugal, and I allow myself
> to indulge.
Anything I buy for my kid. She will be here long after I'm gone. I
want to see her enjoy things now. She turned 13 Thursday and is
carving pumpkins at the party now.
== 2 of 4 ==
Date: Sun, Oct 25 2009 1:36 pm
From: "Rod Speed"
Al wrote
> OhioGuy <n...@none.net> wrote
>> I was having a discussion with someone this past week, and had
>> to admit that while I try to be frugal in nearly every part of my life,
>> I simply want a long, hot shower - sometimes I take a half hour one.
>> <this came up because our new house has no natural gas hookup,
>> and I've heard that the electric water heaters can have trouble
>> keeping up with usage>
>> So this is probably the area where I'm not so frugal,
>> and I allow myself to indulge.
> Anything I buy for my kid. She will be here long after I'm gone.
And will be picking your nursing home.
> I want to see her enjoy things now. She turned 13 Thursday
Uh oh, are you in trouble now...
> and is carving pumpkins at the party now.
== 3 of 4 ==
Date: Sun, Oct 25 2009 1:36 pm
From: Tony Sivori
OhioGuy wrote:
> I was having a discussion with someone this past week, and had to
> admit
> that while I try to be frugal in nearly every part of my life, I simply
> want a long, hot shower - sometimes I take a half hour one. <this came
> up because our new house has no natural gas hookup, and I've heard that
> the electric water heaters can have trouble keeping up with usage>
>
> So this is probably the area where I'm not so frugal, and I allow
> myself
> to indulge.
My biggest extravagance is my frequently upgraded computer and my
broadband connection.
For just about everything else, I'm a cheap bastard.
Cheap plain clothes. Eat at home (usually a simple, meatless cheap meal),
eat out no more than once a week. Brown bag my work lunch. No jewelery. No
pay TV. I still haven't bought a HDTV (but they are cheap enough now that
if my old TV broke today, I'd replace it with a low to mid range HDTV). No
land line phone. Cheap prepaid cellphone with texting turned off (if I
don't answer the phone, they can leave a voice mail). No expensive
vacations.
No debt except for my mortgage. My credit card is used only for online
purchases, and paid off fully for any month it is used. Much to the
irritation of the card issuer. :-)
I don't pay for computer software. I use Linux. It has everything I need,
at no charge. Legally.
Cheap used cars around $1000. Less house than I can afford (I bought a
rough around the edges repo at a great price). DIY for almost all car
repair and house repair and home improvement projects.
No cigarettes (I quit 22 years ago). No drugs. No gambling. I get drunk
only two or three times a year.
The dividend to this self discipline is that I have a healthy bank
account, a nice 401k, and I'm paying off my 30 year mortgage in 9 years.
If my health and my current job holds out I'll retire early and with
relative comfort.
--
Tony Sivori
Due to spam, I'm filtering all Google Groups posters.
== 4 of 4 ==
Date: Sun, Oct 25 2009 2:09 pm
From: "Rod Speed"
Tony Sivori wrote:
> OhioGuy wrote:
>
>> I was having a discussion with someone this past week, and had to
>> admit
>> that while I try to be frugal in nearly every part of my life, I
>> simply want a long, hot shower - sometimes I take a half hour one.
>> <this came up because our new house has no natural gas hookup, and
>> I've heard that the electric water heaters can have trouble keeping
>> up with usage>
>>
>> So this is probably the area where I'm not so frugal, and I allow
>> myself
>> to indulge.
>
> My biggest extravagance is my frequently upgraded computer and my
> broadband connection.
>
> For just about everything else, I'm a cheap bastard.
>
> Cheap plain clothes. Eat at home (usually a simple, meatless cheap
> meal), eat out no more than once a week.
Once a week isnt very frugal. I dont eat out even once a year.
> Brown bag my work lunch. No
> jewelery. No pay TV. I still haven't bought a HDTV (but they are
> cheap enough now that if my old TV broke today, I'd replace it with a
> low to mid range HDTV). No land line phone. Cheap prepaid cellphone
> with texting turned off (if I don't answer the phone, they can leave
> a voice mail). No expensive vacations.
>
> No debt except for my mortgage. My credit card is used only for online
> purchases, and paid off fully for any month it is used. Much to the
> irritation of the card issuer. :-)
>
> I don't pay for computer software. I use Linux. It has everything I
> need, at no charge. Legally.
>
> Cheap used cars around $1000. Less house than I can afford (I bought a
> rough around the edges repo at a great price). DIY for almost all car
> repair and house repair and home improvement projects.
>
> No cigarettes (I quit 22 years ago). No drugs. No gambling. I get
> drunk only two or three times a year.
>
> The dividend to this self discipline is that I have a healthy bank
> account, a nice 401k, and I'm paying off my 30 year mortgage in 9
> years. If my health and my current job holds out I'll retire early
> and with relative comfort.
==============================================================================
TOPIC: REVERSE MORTGAGES Can Reverse Seniors' Peace of Mind! Don't Be A Sucker!
http://groups.google.com/group/misc.consumers.frugal-living/t/0473fdfcc503264d?hl=en
==============================================================================
== 1 of 17 ==
Date: Sun, Oct 25 2009 1:05 pm
From: "Evelyn"
"sr" <solos42@uninets.net> wrote in message
news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>
> "Sanity" <jlee876@gmail.com> wrote in message
> news:hc1uv5$pi1$1@news.eternal-september.org...
>>
>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>> This supposed "government" program is in reality a SCAM, a SNARE, set
>> up to steal seniors' homes and money!
>>
>> --------------
>> "Beware of Reverse Mortgages"
>>
>>
>>
>>
>>
>> Many seniors are up against the wall and can't afford medicine, food,
>> etc. Your recommendation of taking an equity loan is great except how
>> does a senior with little or no income pay it back? We all know the
>> interest rates are high but we can get a monthly income that WE don't
>> have to pay it back unless we sell or when our children inherit the
>> property.
>> If you can offer another suggestion other than us moving into a
>> refrigerator box, discontinuing eating and taking medications, I'm all
>> ears.
> ======
> I'm checking out shipping containers, myself, from 1000 to 3000 each.
> From what I can see, reverse mortages doesn't give you the full value of
> your home?
There is a woman in my town who recently took out a reverse mortgage. She
was dying and knew it. All she wanted was to die in her own home with her
own things around her, and with caregivers to help her through. It did
give her that much. She passed recently.
--
Evelyn
"Even as a mother protects with her life her only child, So with a boundless
heart let one cherish all living beings." --Sutta Nipata 1.8
== 2 of 17 ==
Date: Sun, Oct 25 2009 1:34 pm
From: "Sanity"
"Evelyn" <evelyn.ruut@gmail.com> wrote in message
news:hc2b30$7ta$1@news.eternal-september.org...
> "sr" <solos42@uninets.net> wrote in message
> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>
>> "Sanity" <jlee876@gmail.com> wrote in message
>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>
>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>> This supposed "government" program is in reality a SCAM, a SNARE, set
>>> up to steal seniors' homes and money!
>>>
>>> --------------
>>> "Beware of Reverse Mortgages"
>>>
>>>
>>>
>>>
>>>
>>> Many seniors are up against the wall and can't afford medicine, food,
>>> etc. Your recommendation of taking an equity loan is great except how
>>> does a senior with little or no income pay it back? We all know the
>>> interest rates are high but we can get a monthly income that WE don't
>>> have to pay it back unless we sell or when our children inherit the
>>> property.
>>> If you can offer another suggestion other than us moving into a
>>> refrigerator box, discontinuing eating and taking medications, I'm all
>>> ears.
>> ======
>> I'm checking out shipping containers, myself, from 1000 to 3000 each.
>> From what I can see, reverse mortages doesn't give you the full value of
>> your home?
>
>
>
> There is a woman in my town who recently took out a reverse mortgage.
> She was dying and knew it. All she wanted was to die in her own home
> with her own things around her, and with caregivers to help her through.
> It did give her that much. She passed recently.
>
> --
>
> Evelyn
>
> "Even as a mother protects with her life her only child, So with a
> boundless heart let one cherish all living beings." --Sutta Nipata 1.8
To a senior whose back is up against the wall what difference does it make
if the interest rate or fees are too high? If it affords them monthly income
so that they can live out their lives with some dignity and to be able to
afford to buy their necessities and hold their heads up high, what's wrong
with it? Yes, there are many out there that will say that these people
should have prepared better for old age. Many couldn't.
== 3 of 17 ==
Date: Sun, Oct 25 2009 1:34 pm
From: Mrs Irish Mike
On Oct 25, 1:05 pm, "Evelyn" <evelyn.r...@gmail.com> wrote:
>
> There is a woman in my town who recently took out a reverse mortgage. She
> was dying and knew it. All she wanted was to die in her own home with her
> own things around her, and with caregivers to help her through. It did
> give her that much. She passed recently.
>
> --
>
> Evelyn
Death Tax, either give it to the government when dead or give it to
'investors' before you die.
== 4 of 17 ==
Date: Sun, Oct 25 2009 1:38 pm
From: "Rod Speed"
Sanity wrote:
> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
> news:hc2b30$7ta$1@news.eternal-september.org...
>> "sr" <solos42@uninets.net> wrote in message
>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>
>>> "Sanity" <jlee876@gmail.com> wrote in message
>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>
>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>> set up to steal seniors' homes and money!
>>>>
>>>> --------------
>>>> "Beware of Reverse Mortgages"
>>>>
>>>>
>>>>
>>>>
>>>>
>>>> Many seniors are up against the wall and can't afford medicine,
>>>> food, etc. Your recommendation of taking an equity loan is great
>>>> except how does a senior with little or no income pay it back? We
>>>> all know the interest rates are high but we can get a monthly
>>>> income that WE don't have to pay it back unless we sell or when
>>>> our children inherit the property.
>>>> If you can offer another suggestion other than us moving into a
>>>> refrigerator box, discontinuing eating and taking medications, I'm
>>>> all ears.
>>> ======
>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>> each. From what I can see, reverse mortages doesn't give you the
>>> full value of your home?
>>
>>
>>
>> There is a woman in my town who recently took out a reverse mortgage.
>> She was dying and knew it. All she wanted was to die in her own
>> home with her own things around her, and with caregivers to help her
>> through. It did give her that much. She passed recently.
>>
>> --
>>
>> Evelyn
>>
>> "Even as a mother protects with her life her only child, So with a
>> boundless heart let one cherish all living beings." --Sutta Nipata
>> 1.8
>
> To a senior whose back is up against the wall what difference does it
> make if the interest rate or fees are too high? If it affords them
> monthly income so that they can live out their lives with some
> dignity and to be able to afford to buy their necessities and hold
> their heads up high, what's wrong with it? Yes, there are many out
> there that will say that these people should have prepared better for
> old age. Many couldn't.
Hardly any couldnt. Many chose not to. Not that they arent welcome to go that route.
== 5 of 17 ==
Date: Sun, Oct 25 2009 1:39 pm
From: "Rod Speed"
Mrs Irish Mike wrote:
> On Oct 25, 1:05 pm, "Evelyn" <evelyn.r...@gmail.com> wrote:
>
>>
>> There is a woman in my town who recently took out a reverse
>> mortgage. She was dying and knew it. All she wanted was to die in
>> her own home with her own things around her, and with caregivers to
>> help her through. It did give her that much. She passed recently.
>>
>> --
>>
>> Evelyn
>
> Death Tax, either give it to the government when dead or give it to
> 'investors' before you die.
Or have enough of a clue to live in a country that doesnt have one.
== 6 of 17 ==
Date: Sun, Oct 25 2009 1:58 pm
From: "Evelyn"
"Sanity" <jlee876@gmail.com> wrote in message
news:hc2cnq$n08$1@news.eternal-september.org...
>
> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
> news:hc2b30$7ta$1@news.eternal-september.org...
>> "sr" <solos42@uninets.net> wrote in message
>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>
>>> "Sanity" <jlee876@gmail.com> wrote in message
>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>
>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>> This supposed "government" program is in reality a SCAM, a SNARE, set
>>>> up to steal seniors' homes and money!
>>>>
>>>> --------------
>>>> "Beware of Reverse Mortgages"
>>>>
>>>>
>>>>
>>>>
>>>>
>>>> Many seniors are up against the wall and can't afford medicine, food,
>>>> etc. Your recommendation of taking an equity loan is great except how
>>>> does a senior with little or no income pay it back? We all know the
>>>> interest rates are high but we can get a monthly income that WE don't
>>>> have to pay it back unless we sell or when our children inherit the
>>>> property.
>>>> If you can offer another suggestion other than us moving into a
>>>> refrigerator box, discontinuing eating and taking medications, I'm all
>>>> ears.
>>> ======
>>> I'm checking out shipping containers, myself, from 1000 to 3000 each.
>>> From what I can see, reverse mortages doesn't give you the full value
>>> of your home?
>>
>>
>>
>> There is a woman in my town who recently took out a reverse mortgage. She
>> was dying and knew it. All she wanted was to die in her own home with
>> her own things around her, and with caregivers to help her through. It
>> did give her that much. She passed recently.
>>
>> --
>>
>> Evelyn
>>
>> "Even as a mother protects with her life her only child, So with a
>> boundless heart let one cherish all living beings." --Sutta Nipata 1.8
>
> To a senior whose back is up against the wall what difference does it make
> if the interest rate or fees are too high? If it affords them monthly
> income so that they can live out their lives with some dignity and to be
> able to afford to buy their necessities and hold their heads up high,
> what's wrong with it? Yes, there are many out there that will say that
> these people should have prepared better for old age. Many couldn't.
Agreed.
--
Evelyn
"Even as a mother protects with her life her only child, So with a boundless
heart let one cherish all living beings." --Sutta Nipata 1.8
== 7 of 17 ==
Date: Sun, Oct 25 2009 2:14 pm
From: Michael Coburn
On Sun, 25 Oct 2009 12:39:00 -0400, Sanity wrote:
> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
> news:d71fc41a-a4a8-4642-
b43e-032c3954a200@u13g2000vbb.googlegroups.com...
> This supposed "government" program is in reality a SCAM, a SNARE, set up
> to steal seniors' homes and money!
>
> --------------
> "Beware of Reverse Mortgages"
>
>
>
>
>
> Many seniors are up against the wall and can't afford medicine, food,
> etc. Your recommendation of taking an equity loan is great except how
> does a senior with little or no income pay it back? We all know the
> interest rates are high but we can get a monthly income that WE don't
> have to pay it back unless we sell or when our children inherit the
> property. If you can offer another suggestion other than us moving into
> a refrigerator box, discontinuing eating and taking medications, I'm all
> ears.
Your heirs are not served by a reverse mortgage and are not supposed to
be so served. A reverse mortgage is designed to allow you to take equity
out of your home without fear of foreclosure. I have considered a reverse
mortgage and rejected it because I am not desperately in need of the
money. The interest rate would be higher than I am currently paying on
my HELOC and I don't need the cash anyway. And the expense of doing the
deal (start up) is ridiculously high. Before doing such a thing I would
involve the kids. Look em in the eye and tell em that it is THEIR
"savings" and ask them how they want to handle it. In my case the kids
have no current worries about it because I am OK. But if I were strapped
for cash it would be a different matter. The kids can pay some of your
living expanses now and have a fat inheritance or they can forgo that
opportunity. Reality is a bitch.
--
"Those are my opinions and you can't have em" -- Bart Simpson
== 8 of 17 ==
Date: Sun, Oct 25 2009 2:24 pm
From: "Sanity"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:7kjr9sF3a19aeU1@mid.individual.net...
> Sanity wrote:
>> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
>> news:hc2b30$7ta$1@news.eternal-september.org...
>>> "sr" <solos42@uninets.net> wrote in message
>>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>>
>>>> "Sanity" <jlee876@gmail.com> wrote in message
>>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>>
>>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>>> set up to steal seniors' homes and money!
>>>>>
>>>>> --------------
>>>>> "Beware of Reverse Mortgages"
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>
>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>> except how does a senior with little or no income pay it back? We
>>>>> all know the interest rates are high but we can get a monthly
>>>>> income that WE don't have to pay it back unless we sell or when
>>>>> our children inherit the property.
>>>>> If you can offer another suggestion other than us moving into a
>>>>> refrigerator box, discontinuing eating and taking medications, I'm
>>>>> all ears.
>>>> ======
>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>> each. From what I can see, reverse mortages doesn't give you the
>>>> full value of your home?
>>>
>>>
>>>
>>> There is a woman in my town who recently took out a reverse mortgage.
>>> She was dying and knew it. All she wanted was to die in her own
>>> home with her own things around her, and with caregivers to help her
>>> through. It did give her that much. She passed recently.
>>>
>>> --
>>>
>>> Evelyn
>>>
>>> "Even as a mother protects with her life her only child, So with a
>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>> 1.8
>>
>> To a senior whose back is up against the wall what difference does it
>> make if the interest rate or fees are too high? If it affords them
>> monthly income so that they can live out their lives with some
>> dignity and to be able to afford to buy their necessities and hold
>> their heads up high, what's wrong with it? Yes, there are many out
>> there that will say that these people should have prepared better for
>> old age. Many couldn't.
>
> Hardly any couldnt. Many chose not to. Not that they arent welcome to go
> that route.
>
It's great when someone grows up with a mother and father. Parents that send
them to college and support them till they can support themselves. Then
there are the people who grew up without parents, worked since they were 11,
weren't able to further their education and had to break their butts
supporting themselves and their families. Again, the 'haves' and the 'have
nots' with the 'haves' looking down their nose at the 'have nots' and saying
"Why didn't you prepare for your old age?" Maybe they were too busy
surviving?
== 9 of 17 ==
Date: Sun, Oct 25 2009 2:32 pm
From: Michael Coburn
On Mon, 26 Oct 2009 07:39:17 +1100, Rod Speed wrote:
> Mrs Irish Mike wrote:
>> On Oct 25, 1:05 pm, "Evelyn" <evelyn.r...@gmail.com> wrote:
>>
>>
>>> There is a woman in my town who recently took out a reverse mortgage.
>>> She was dying and knew it. All she wanted was to die in her own home
>>> with her own things around her, and with caregivers to help her
>>> through. It did give her that much. She passed recently.
>>>
>>> --
>>>
>>> Evelyn
>>
>> Death Tax, either give it to the government when dead or give it to
>> 'investors' before you die.
>
> Or have enough of a clue to live in a country that doesnt have one.
Dead people don't pay taxes.
--
"Those are my opinions and you can't have em" -- Bart Simpson
== 10 of 17 ==
Date: Sun, Oct 25 2009 3:17 pm
From: "Rod Speed"
Sanity wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Sanity wrote
>>> Evelyn <evelyn.ruut@gmail.com> wrote
>>>> sr <solos42@uninets.net> wrote
>>>>> Sanity <jlee876@gmail.com> wrote
>>>>>> God'sLittleAnus <perryneheum@hotmail.com> wrote
>>>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>>>> set up to steal seniors' homes and money!
>>>>>>
>>>>>> --------------
>>>>>> "Beware of Reverse Mortgages"
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>>> except how does a senior with little or no income pay it back? We
>>>>>> all know the interest rates are high but we can get a monthly
>>>>>> income that WE don't have to pay it back unless we sell or when
>>>>>> our children inherit the property.
>>>>>> If you can offer another suggestion other than us moving into a
>>>>>> refrigerator box, discontinuing eating and taking medications,
>>>>>> I'm all ears.
>>>>> ======
>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>> each. From what I can see, reverse mortages doesn't give you the
>>>>> full value of your home?
>>>>
>>>>
>>>>
>>>> There is a woman in my town who recently took out a reverse
>>>> mortgage. She was dying and knew it. All she wanted was to die
>>>> in her own home with her own things around her, and with
>>>> caregivers to help her through. It did give her that much. She
>>>> passed recently. --
>>>>
>>>> Evelyn
>>>>
>>>> "Even as a mother protects with her life her only child, So with a
>>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>>> 1.8
>>>
>>> To a senior whose back is up against the wall what difference does
>>> it make if the interest rate or fees are too high? If it affords
>>> them monthly income so that they can live out their lives with some
>>> dignity and to be able to afford to buy their necessities and hold
>>> their heads up high, what's wrong with it? Yes, there are many out
>>> there that will say that these people should have prepared better
>>> for old age. Many couldn't.
>> Hardly any couldnt. Many chose not to. Not that they arent welcome to go that route.
> It's great when someone grows up with a mother and father. Parents that send them to college and support them till
> they can support themselves.
No one did anything like that for me or my parents either.
> Then there are the people who grew up without parents, worked since they were 11, weren't able to further their
> education
None like that.
> and had to break their butts supporting themselves and their families.
None like that either.
Hordes pissed immense amounts of money against the wall on cigarettes etc etc etc too.
> Again, the 'haves' and the 'have nots' with the 'haves' looking down their nose at the 'have nots' and saying "Why
> didn't you
> prepare for your old age?" Maybe they were too busy surviving?
Not in the first world. That is pure fantasy.
== 11 of 17 ==
Date: Sun, Oct 25 2009 3:21 pm
From: "Rod Speed"
Michael Coburn wrote
> Rod Speed wrote
>> Mrs Irish Mike wrote
>>> Evelyn <evelyn.r...@gmail.com> wrote
>>>> There is a woman in my town who recently took out a reverse
>>>> mortgage. She was dying and knew it. All she wanted was to die in
>>>> her own home with her own things around her, and with caregivers
>>>> to help her through. It did give her that much. She passed recently.
>>> Death Tax, either give it to the government when dead or give it to 'investors' before you die.
>> Or have enough of a clue to live in a country that doesnt have one.
> Dead people don't pay taxes.
They do when there are death taxes, stupid.
== 12 of 17 ==
Date: Sun, Oct 25 2009 3:39 pm
From: mg
On Oct 25, 9:42 am, "God'sLittleAnus" <perryneh...@hotmail.com> wrote:
> This supposed "government" program is in reality a SCAM, a SNARE, set
> up to steal seniors' homes and money!
>
> --------------
> "Beware of Reverse Mortgages"
>
> PARADE
> October 25, 2009
>
> Increasingly, strapped U.S. homeowners are opting to take out a
> "reverse mortgage," a loan against a house's value that is repaid when
> the borrower dies or sells the property. The number of federally
> insured reverse mortgages issued to senior citizens in the past three
> years alone—nearly 335,000—is more than the total from 1990 through
> 2006. Consumer advocates have long cautioned that reverse mortgages
> should be used as a last resort because of their high fees. Now, those
> warnings are growing louder due to a spate of fraud.
>
> The National Consumer Law Center says seniors are facing the same kind
> of aggressive tactics that were common during the subprime lending
> boom. And according to a recent report from the FBI and the U.S.
> Department of Housing and Urban Development (HUD), a host of
> "unscrupulous loan officers, mortgage companies, and loan counselors"
> are defrauding desperate Americans. In one scheme, people facing
> foreclosure are told that a reverse mortgage can save their homes,
> then " rejected" for the mortgage and steered into a deal that
> transfers title of their property to " investors." The end result:
> They lose their homes anyway.
>
> Other scam artists sell loans that appear to be HUD-insured reverse
> mortgages but are not, according to the AARP, the nonprofit advocacy
> group for Americans 50 and over. Still others, billing themselves as
> "investment advisers," persuade consumers to invest the proceeds of
> reverse mortgages in other financial products that come saddled with
> extra costs. And in some cases, the FBI report says, the proceeds of
> investment schemes are not invested—they're simply stolen.
>
> Homeowners should turn down any pitch that uses reverse-mortgage funds
> to purchase financial products. In fact, they should think twice
> before signing up for this type of loan at all. Other options—like
> taking a home-equity line of credit or even moving to a smaller place—
> may be able to meet your needs at a lower cost, according to the AARP.
>
> — Gary Weiss
>
> http://www.parade.com/news/intelligence-report/archive/091025-beware-...
There are two issues here: (1) Fraud and (2) Reverse mortgages. The
author lumps both of them together and then advises people against
using reverse mortgages. That's like advising people not to take out a
regular mortgage, for instance, just because the Bush administration
allowed a lot of fraud in selling mortgages during the housing boom.
== 13 of 17 ==
Date: Sun, Oct 25 2009 4:03 pm
From: "Evelyn"
"Sanity" <jlee876@gmail.com> wrote in message
news:hc2fnc$h2e$1@news.eternal-september.org...
>
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
> news:7kjr9sF3a19aeU1@mid.individual.net...
>> Sanity wrote:
>>> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
>>> news:hc2b30$7ta$1@news.eternal-september.org...
>>>> "sr" <solos42@uninets.net> wrote in message
>>>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>>>
>>>>> "Sanity" <jlee876@gmail.com> wrote in message
>>>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>>>
>>>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>>>> set up to steal seniors' homes and money!
>>>>>>
>>>>>> --------------
>>>>>> "Beware of Reverse Mortgages"
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>>> except how does a senior with little or no income pay it back? We
>>>>>> all know the interest rates are high but we can get a monthly
>>>>>> income that WE don't have to pay it back unless we sell or when
>>>>>> our children inherit the property.
>>>>>> If you can offer another suggestion other than us moving into a
>>>>>> refrigerator box, discontinuing eating and taking medications, I'm
>>>>>> all ears.
>>>>> ======
>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>> each. From what I can see, reverse mortages doesn't give you the
>>>>> full value of your home?
>>>>
>>>>
>>>>
>>>> There is a woman in my town who recently took out a reverse mortgage.
>>>> She was dying and knew it. All she wanted was to die in her own
>>>> home with her own things around her, and with caregivers to help her
>>>> through. It did give her that much. She passed recently.
>>>>
>>>> --
>>>>
>>>> Evelyn
>>>>
>>>> "Even as a mother protects with her life her only child, So with a
>>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>>> 1.8
>>>
>>> To a senior whose back is up against the wall what difference does it
>>> make if the interest rate or fees are too high? If it affords them
>>> monthly income so that they can live out their lives with some
>>> dignity and to be able to afford to buy their necessities and hold
>>> their heads up high, what's wrong with it? Yes, there are many out
>>> there that will say that these people should have prepared better for
>>> old age. Many couldn't.
>>
>> Hardly any couldnt. Many chose not to. Not that they arent welcome to go
>> that route.
>>
>
> It's great when someone grows up with a mother and father. Parents that
> send them to college and support them till they can support themselves.
> Then there are the people who grew up without parents, worked since they
> were 11, weren't able to further their education and had to break their
> butts supporting themselves and their families. Again, the 'haves' and the
> 'have nots' with the 'haves' looking down their nose at the 'have nots'
> and saying "Why didn't you prepare for your old age?" Maybe they were too
> busy surviving?
You are so right. Not everyone had things handed to them. I surely
didn't, and so many others didn't either. The lady in question whom I
just mentioned, had two sons. One didn't care at all. The other was too
caught up in his own life to engage in her last life decisions, but he
occasionally showed up, without any real involvement.
I don't judge any of them, because people pretty much make their own beds
with their families and they have to lie in them. But this lady was
extremely ill, and she wanted to stay in her home. The only way she could
do that was to take a reverse mortgage. It enabled her to hire help round
the clock to care for her. Otherwise it would have been the nursing home.
She was in and out of the hospital, had a stroke, and ultimately died. The
reverse mortgage gave her a little last bit of dignity and let her die in
her house with her stuff all around her, with her beloved cat, and good care
to the end.
Now about the two sons..... they came in there after her death like an ill
wind. You can imagine the rest.
She did the right thing.
For some people it is a godsend even if it does appear to be a ripoff. We
don't live forever.
--
Evelyn
"Even as a mother protects with her life her only child, So with a boundless
heart let one cherish all living beings." --Sutta Nipata 1.8
== 14 of 17 ==
Date: Sun, Oct 25 2009 4:30 pm
From: "Sanity"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:7kk141F39m1smU1@mid.individual.net...
> Sanity wrote
>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>> Sanity wrote
>>>> Evelyn <evelyn.ruut@gmail.com> wrote
>>>>> sr <solos42@uninets.net> wrote
>>>>>> Sanity <jlee876@gmail.com> wrote
>>>>>>> God'sLittleAnus <perryneheum@hotmail.com> wrote
>
>>>>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>>>>> set up to steal seniors' homes and money!
>>>>>>>
>>>>>>> --------------
>>>>>>> "Beware of Reverse Mortgages"
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>>>> except how does a senior with little or no income pay it back? We
>>>>>>> all know the interest rates are high but we can get a monthly
>>>>>>> income that WE don't have to pay it back unless we sell or when
>>>>>>> our children inherit the property.
>>>>>>> If you can offer another suggestion other than us moving into a
>>>>>>> refrigerator box, discontinuing eating and taking medications,
>>>>>>> I'm all ears.
>>>>>> ======
>>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>>> each. From what I can see, reverse mortages doesn't give you the
>>>>>> full value of your home?
>>>>>
>>>>>
>>>>>
>>>>> There is a woman in my town who recently took out a reverse
>>>>> mortgage. She was dying and knew it. All she wanted was to die
>>>>> in her own home with her own things around her, and with
>>>>> caregivers to help her through. It did give her that much. She
>>>>> passed recently. --
>>>>>
>>>>> Evelyn
>>>>>
>>>>> "Even as a mother protects with her life her only child, So with a
>>>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>>>> 1.8
>>>>
>>>> To a senior whose back is up against the wall what difference does
>>>> it make if the interest rate or fees are too high? If it affords
>>>> them monthly income so that they can live out their lives with some
>>>> dignity and to be able to afford to buy their necessities and hold
>>>> their heads up high, what's wrong with it? Yes, there are many out
>>>> there that will say that these people should have prepared better
>>>> for old age. Many couldn't.
>
>>> Hardly any couldnt. Many chose not to. Not that they arent welcome to go
>>> that route.
>
>> It's great when someone grows up with a mother and father. Parents that
>> send them to college and support them till they can support themselves.
>
> No one did anything like that for me or my parents either.
>
>> Then there are the people who grew up without parents, worked since they
>> were 11, weren't able to further their education
>
> None like that.
>
>> and had to break their butts supporting themselves and their families.
>
> None like that either.
>
> Hordes pissed immense amounts of money against the wall on cigarettes etc
> etc etc too.
>
>> Again, the 'haves' and the 'have nots' with the 'haves' looking down
>> their nose at the 'have nots' and saying "Why didn't you
>> prepare for your old age?" Maybe they were too busy surviving?
>
> Not in the first world. That is pure fantasy.
>
It may be fantasy for you but reality for me. I worked 66 years before I
retired. Without knowing your circumstances I would have traded my for
yours.
== 15 of 17 ==
Date: Sun, Oct 25 2009 4:32 pm
From: "Sanity"
"Evelyn" <evelyn.ruut@gmail.com> wrote in message
news:hc2lfq$450$1@news.eternal-september.org...
> "Sanity" <jlee876@gmail.com> wrote in message
> news:hc2fnc$h2e$1@news.eternal-september.org...
>>
>> "Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
>> news:7kjr9sF3a19aeU1@mid.individual.net...
>>> Sanity wrote:
>>>> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
>>>> news:hc2b30$7ta$1@news.eternal-september.org...
>>>>> "sr" <solos42@uninets.net> wrote in message
>>>>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>>>>
>>>>>> "Sanity" <jlee876@gmail.com> wrote in message
>>>>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>>>>
>>>>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>>>>> This supposed "government" program is in reality a SCAM, a SNARE,
>>>>>>> set up to steal seniors' homes and money!
>>>>>>>
>>>>>>> --------------
>>>>>>> "Beware of Reverse Mortgages"
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>>>> except how does a senior with little or no income pay it back? We
>>>>>>> all know the interest rates are high but we can get a monthly
>>>>>>> income that WE don't have to pay it back unless we sell or when
>>>>>>> our children inherit the property.
>>>>>>> If you can offer another suggestion other than us moving into a
>>>>>>> refrigerator box, discontinuing eating and taking medications, I'm
>>>>>>> all ears.
>>>>>> ======
>>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>>> each. From what I can see, reverse mortages doesn't give you the
>>>>>> full value of your home?
>>>>>
>>>>>
>>>>>
>>>>> There is a woman in my town who recently took out a reverse mortgage.
>>>>> She was dying and knew it. All she wanted was to die in her own
>>>>> home with her own things around her, and with caregivers to help her
>>>>> through. It did give her that much. She passed recently.
>>>>>
>>>>> --
>>>>>
>>>>> Evelyn
>>>>>
>>>>> "Even as a mother protects with her life her only child, So with a
>>>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>>>> 1.8
>>>>
>>>> To a senior whose back is up against the wall what difference does it
>>>> make if the interest rate or fees are too high? If it affords them
>>>> monthly income so that they can live out their lives with some
>>>> dignity and to be able to afford to buy their necessities and hold
>>>> their heads up high, what's wrong with it? Yes, there are many out
>>>> there that will say that these people should have prepared better for
>>>> old age. Many couldn't.
>>>
>>> Hardly any couldnt. Many chose not to. Not that they arent welcome to go
>>> that route.
>>>
>>
>> It's great when someone grows up with a mother and father. Parents that
>> send them to college and support them till they can support themselves.
>> Then there are the people who grew up without parents, worked since they
>> were 11, weren't able to further their education and had to break their
>> butts supporting themselves and their families. Again, the 'haves' and
>> the 'have nots' with the 'haves' looking down their nose at the 'have
>> nots' and saying "Why didn't you prepare for your old age?" Maybe they
>> were too busy surviving?
>
>
>
> You are so right. Not everyone had things handed to them. I surely
> didn't, and so many others didn't either. The lady in question whom I
> just mentioned, had two sons. One didn't care at all. The other was too
> caught up in his own life to engage in her last life decisions, but he
> occasionally showed up, without any real involvement.
>
> I don't judge any of them, because people pretty much make their own beds
> with their families and they have to lie in them. But this lady was
> extremely ill, and she wanted to stay in her home. The only way she
> could do that was to take a reverse mortgage. It enabled her to hire help
> round the clock to care for her. Otherwise it would have been the
> nursing home.
>
> She was in and out of the hospital, had a stroke, and ultimately died.
> The reverse mortgage gave her a little last bit of dignity and let her die
> in her house with her stuff all around her, with her beloved cat, and good
> care to the end.
>
> Now about the two sons..... they came in there after her death like an ill
> wind. You can imagine the rest.
>
> She did the right thing.
>
> For some people it is a godsend even if it does appear to be a ripoff. We
> don't live forever.
> --
>
> Evelyn
>
> "Even as a mother protects with her life her only child, So with a
> boundless heart let one cherish all living beings." --Sutta Nipata 1.8
There are people here that ridicule the elderly poor and think we chose our
way of life. They don't realize how lucky they were but things have a way of
evening out. They'll get theirs one day.
== 16 of 17 ==
Date: Sun, Oct 25 2009 4:43 pm
From: "Rod Speed"
Evelyn wrote:
> "Sanity" <jlee876@gmail.com> wrote in message
> news:hc2fnc$h2e$1@news.eternal-september.org...
>>
>> "Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
>> news:7kjr9sF3a19aeU1@mid.individual.net...
>>> Sanity wrote:
>>>> "Evelyn" <evelyn.ruut@gmail.com> wrote in message
>>>> news:hc2b30$7ta$1@news.eternal-september.org...
>>>>> "sr" <solos42@uninets.net> wrote in message
>>>>> news:dcf47$4ae4980a$ccb5840a$17351@ispn.net...
>>>>>>
>>>>>> "Sanity" <jlee876@gmail.com> wrote in message
>>>>>> news:hc1uv5$pi1$1@news.eternal-september.org...
>>>>>>>
>>>>>>> "God'sLittleAnus" <perryneheum@hotmail.com> wrote in message
>>>>>>> news:d71fc41a-a4a8-4642-b43e-032c3954a200@u13g2000vbb.googlegroups.com...
>>>>>>> This supposed "government" program is in reality a SCAM, a
>>>>>>> SNARE, set up to steal seniors' homes and money!
>>>>>>>
>>>>>>> --------------
>>>>>>> "Beware of Reverse Mortgages"
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>>
>>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>>> food, etc. Your recommendation of taking an equity loan is great
>>>>>>> except how does a senior with little or no income pay it back?
>>>>>>> We all know the interest rates are high but we can get a monthly
>>>>>>> income that WE don't have to pay it back unless we sell or when
>>>>>>> our children inherit the property.
>>>>>>> If you can offer another suggestion other than us moving into a
>>>>>>> refrigerator box, discontinuing eating and taking medications,
>>>>>>> I'm all ears.
>>>>>> ======
>>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>>> each. From what I can see, reverse mortages doesn't give you the
>>>>>> full value of your home?
>>>>>
>>>>>
>>>>>
>>>>> There is a woman in my town who recently took out a reverse
>>>>> mortgage. She was dying and knew it. All she wanted was to die
>>>>> in her own home with her own things around her, and with
>>>>> caregivers to help her through. It did give her that much. She
>>>>> passed recently. --
>>>>>
>>>>> Evelyn
>>>>>
>>>>> "Even as a mother protects with her life her only child, So with a
>>>>> boundless heart let one cherish all living beings." --Sutta Nipata
>>>>> 1.8
>>>>
>>>> To a senior whose back is up against the wall what difference does
>>>> it make if the interest rate or fees are too high? If it affords
>>>> them monthly income so that they can live out their lives with some
>>>> dignity and to be able to afford to buy their necessities and hold
>>>> their heads up high, what's wrong with it? Yes, there are many out
>>>> there that will say that these people should have prepared better
>>>> for old age. Many couldn't.
>>>
>>> Hardly any couldnt. Many chose not to. Not that they arent welcome
>>> to go that route.
>>>
>>
>> It's great when someone grows up with a mother and father. Parents
>> that send them to college and support them till they can support
>> themselves. Then there are the people who grew up without parents,
>> worked since they were 11, weren't able to further their education
>> and had to break their butts supporting themselves and their
>> families. Again, the 'haves' and the 'have nots' with the 'haves'
>> looking down their nose at the 'have nots' and saying "Why didn't
>> you prepare for your old age?" Maybe they were too busy surviving?
> You are so right.
Nope.
> Not everyone had things handed to them. I surely didn't, and so many others didn't either.
And hordes who didnt manage to adequately provide for their time past working.
> The lady in question whom I just mentioned, had two sons. One didn't care at all. The other was too caught up in
> his own life to engage in her last life decisions, but he occasionally showed up, without any real involvement.
> I don't judge any of them, because people pretty much make their own beds with their families and they have to lie in
> them. But this lady was extremely ill, and she wanted to stay in her home. The only way she could do that was to
> take a reverse mortgage. It enabled her to hire help round the clock to care for her. Otherwise it would have been
> the nursing home.
> She was in and out of the hospital, had a stroke, and ultimately
> died. The reverse mortgage gave her a little last bit of dignity
> and let her die in her house with her stuff all around her, with her beloved cat, and good care to the end.
> Now about the two sons..... they came in there after her death like an ill wind. You can imagine the rest.
> She did the right thing.
> For some people it is a godsend even if it does appear to be a ripoff. We don't live forever.
== 17 of 17 ==
Date: Sun, Oct 25 2009 4:45 pm
From: "Rod Speed"
Sanity wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Sanity wrote
>>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>>> Sanity wrote
>>>>> Evelyn <evelyn.ruut@gmail.com> wrote
>>>>>> sr <solos42@uninets.net> wrote
>>>>>>> Sanity <jlee876@gmail.com> wrote
>>>>>>>> God'sLittleAnus <perryneheum@hotmail.com> wrote
>>>>>>>> This supposed "government" program is in reality a SCAM, a
>>>>>>>> SNARE, set up to steal seniors' homes and money!
>>>>>>>>
>>>>>>>> --------------
>>>>>>>> "Beware of Reverse Mortgages"
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>> Many seniors are up against the wall and can't afford medicine,
>>>>>>>> food, etc. Your recommendation of taking an equity loan is
>>>>>>>> great except how does a senior with little or no income pay it
>>>>>>>> back? We all know the interest rates are high but we can get a
>>>>>>>> monthly income that WE don't have to pay it back unless we
>>>>>>>> sell or when our children inherit the property.
>>>>>>>> If you can offer another suggestion other than us moving into a
>>>>>>>> refrigerator box, discontinuing eating and taking medications,
>>>>>>>> I'm all ears.
>>>>>>> ======
>>>>>>> I'm checking out shipping containers, myself, from 1000 to 3000
>>>>>>> each. From what I can see, reverse mortages doesn't give you
>>>>>>> the full value of your home?
>>>>>>
>>>>>>
>>>>>>
>>>>>> There is a woman in my town who recently took out a reverse
>>>>>> mortgage. She was dying and knew it. All she wanted was to die
>>>>>> in her own home with her own things around her, and with
>>>>>> caregivers to help her through. It did give her that much. She
>>>>>> passed recently. --
>>>>>>
>>>>>> Evelyn
>>>>>>
>>>>>> "Even as a mother protects with her life her only child, So with
>>>>>> a boundless heart let one cherish all living beings." --Sutta
>>>>>> Nipata 1.8
>>>>>
>>>>> To a senior whose back is up against the wall what difference does
>>>>> it make if the interest rate or fees are too high? If it affords
>>>>> them monthly income so that they can live out their lives with
>>>>> some dignity and to be able to afford to buy their necessities
>>>>> and hold their heads up high, what's wrong with it? Yes, there
>>>>> are many out there that will say that these people should have
>>>>> prepared better for old age. Many couldn't.
>>
>>>> Hardly any couldnt. Many chose not to. Not that they arent welcome
>>>> to go that route.
>>
>>> It's great when someone grows up with a mother and father. Parents
>>> that send them to college and support them till they can support
>>> themselves.
>>
>> No one did anything like that for me or my parents either.
>>
>>> Then there are the people who grew up without parents, worked since
>>> they were 11, weren't able to further their education
>>
>> None like that.
>>
>>> and had to break their butts supporting themselves and their
>>> families.
>>
>> None like that either.
>>
>> Hordes pissed immense amounts of money against the wall on
>> cigarettes etc etc etc too.
>>
>>> Again, the 'haves' and the 'have nots' with the 'haves' looking down
>>> their nose at the 'have nots' and saying "Why didn't you
>>> prepare for your old age?" Maybe they were too busy surviving?
>>
>> Not in the first world. That is pure fantasy.
> It may be fantasy for you but reality for me.
Your problem.
> I worked 66 years before I retired.
And anyone that works for that long can make adequate provision for their time past working.
> Without knowing your circumstances I would have traded my for yours.
You wouldnt have been qualified to do the work I did.
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