Frugal Living: misc.consumers.frugal-living - 18 new messages in 5 topics

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* REVERSE MORTGAGES Can Reverse Seniors' Peace of Mind! Don't Be A Sucker! -
11 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/0473fdfcc503264d?hl=en
* Gucci Men's Long Sleeve T Shirt 022 Fashion and High Quality - 3 messages, 1
author
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* Replica Ralph Lauren Polo Hats 043 Fashion and High Quality - 1 messages, 1
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* Kroger - strategy for getting marked down meat - 1 messages, 1 author
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* CallingMart Temporary Coupon Codes (expire 10-23) for T-Mobile Prepaid (10%),
AT&T GoPhone (10%), Tracfone (7%), Verizon InPulse (7%), and PagePlus (7%) -
2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/86bcc24bd96cd169?hl=en

==============================================================================
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 11 ==
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.

== 2 of 11 ==
Date: Sun, Oct 25 2009 4:49 pm
From: "Rod Speed"

Sanity wrote
> Evelyn <evelyn.ruut@gmail.com> wrote
>> Sanity <jlee876@gmail.com> 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. 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.

> There are people here that ridicule the elderly poor and think we chose our way of life.

And there are plenty more who have enough of a clue to realise that
hardly anyone had to end up poor and elderly in the modern first world.

> They don't realize how lucky they were

My circumstances aint due to luck except in the sense of what I ended up with between my ears.

> but things have a way of evening out.

How odd that they never did for my parents.

> They'll get theirs one day.

Just another of your silly little fantasys.

I'm not even stupid enough to live in a country where a serious medical problem can bankrupt me.

== 3 of 11 ==
Date: Sun, Oct 25 2009 5:12 pm
From: "Sanity"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:7kk6gqF3alf83U1@mid.individual.net...
> And there are plenty more who have enough of a clue to realise that
> hardly anyone had to end up poor and elderly in the modern first world.
>
>> They don't realize how lucky they were
>
> My circumstances aint due to luck except in the sense of what I ended up
> with between my ears.
>
>> but things have a way of evening out.
>
> How odd that they never did for my parents.
>
>
> Just another of your silly little fantasys.
>
> I'm not even stupid enough to live in a country where a serious medical
> problem can bankrupt me.
>

Now aren't you lucky? Born with a silver spoon in your mouth and no
compassion for anyone but yourself. You may not be stupid enough to live in
a country where a serious medical problem can bankrupt you and we're smart
enough not to have your kind. You're so in love with yourself and your
opinion.
No need to bother to answer this. I killfiled you once before because of
your stupidity, arrogance and selfishness and I'm doing the same now. Please
stay wherever you are and try and keep your stupid opinions there too.
Bye a-hole

== 4 of 11 ==
Date: Sun, Oct 25 2009 5:13 pm
From: "Sanity"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:7kk698F39gk66U1@mid.individual.net...
> 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.
>

Probably not with a sixth grade education I had but with all your education
and your profession, I'm still a better person than you are or ever will be.

== 5 of 11 ==
Date: Sun, Oct 25 2009 7:07 pm
From: "sr"

Sanity> 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.
========I've taken care of people, they worked hard, saved, pinched pennies,
make do, all of their life,
only to have their life savings evaporate in a year or so, at the end of
their life. Around the clock care is very expensive, plus all the other
necessities to keep comfortable. I've seen highly educational people that
spent tens of thousands on their education, become child like with onset of
various debilitating brain diseases. No one should look down on those less
fortunate, as life has away of humbling a person. As my mother use to say
when someone got on their high horse, "they're not dead,yet" meaning
anything can happen between now and then.
=====

"Sanity" <jlee876@gmail.com> wrote in message
news:hc2n5v$i4j$1@news.eternal-september.org...
>
> "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.

== 6 of 11 ==
Date: Sun, Oct 25 2009 7:49 pm
From: "holarchy"

Sanity wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>> And there are plenty more who have enough of a clue to realise that
>> hardly anyone had to end up poor and elderly in the modern first world.

>>> They don't realize how lucky they were

>> My circumstances aint due to luck except in the sense of what I ended up with between my ears.

>>> but things have a way of evening out.

>> How odd that they never did for my parents.

>> Just another of your silly little fantasys.

>> I'm not even stupid enough to live in a country where a serious medical problem can bankrupt me.

> Now aren't you lucky?

Taint luck.

> Born with a silver spoon in your mouth

You're lying now.

> and no compassion for anyone but yourself.

And again.

> You may not be stupid enough to live in a country where a serious medical problem can bankrupt you and we're smart
> enough not to have your kind.

And again.

> You're so in love with yourself and your opinion.

And again.

> No need to bother to answer this.

Go and fuck yourself, again.

> I killfiled you once before because of your stupidity, arrogance and selfishness and I'm doing the same now.

Fat lot of good that will ever do you, fuckwit.

> Please stay wherever you are and try and keep your stupid opinions there too.

Go and fuck yourself, again.

> Bye a-hole

Go and fuck yourself, again.

== 7 of 11 ==
Date: Sun, Oct 25 2009 7:51 pm
From: "holarchy"

Sanity wrote:
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
> news:7kk698F39gk66U1@mid.individual.net...
>> 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.

> Probably not with a sixth grade education I had

Certainly not. But no one held a gun to your head and forced you
to not do better than that when you had the income to allow that.

> but with all your education and your profession, I'm still a better person than you are or ever will be.

You're lying, again.

== 8 of 11 ==
Date: Sun, Oct 25 2009 7:56 pm
From: "Rod Speed"

sr wrote:
> Sanity> 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.

> ========I've taken care of people, they worked hard, saved, pinched pennies, make do, all of their life,

Making adequate provision for your time past
working involves a hell of a lot more than just that.

> only to have their life savings evaporate in a year or so, at the end of their life.

Only because they didnt make adequate provision for that situation.

> Around the clock care is very expensive,

Plenty make adequate provision for that.

> plus all the other necessities to keep comfortable.

That doesnt cost much at that age.

> I've seen highly educational people that spent tens of thousands on their education, become child like with onset of
> various debilitating brain diseases.

Perfectly possible to make adequate provision for that too.

> No one should look down on those less fortunate,

Having fun thrashing that straw man ?

> as life has away of humbling a person.

Only those who dont make adequate provision for their time past working.

> As my mother use to say when someone got on their high horse, "they're not dead,yet" meaning anything can happen
> between now and then.

Usual mindless copout by fools that dont make adequate provision for their time past working.

> "Sanity" <jlee876@gmail.com> wrote in message
> news:hc2n5v$i4j$1@news.eternal-september.org...
>>
>> "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.

== 9 of 11 ==
Date: Sun, Oct 25 2009 9:11 pm
From: "sr"

snipmg
>
> 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
Rewriting History, I see
Bush warned the Senate, Barney Frank said all is well, and Barney still
says all is well. It was the Barny Frank's and Chris Dodd' s that lined
their pockets with deals that kept the Banks loaning to people that could
not afford the loans. Do A Google

== 10 of 11 ==
Date: Sun, Oct 25 2009 9:47 pm
From: "Roy Blankenship"

"holarchy" <holarchy@nospam.com> wrote in message
news:7kkh1pF392dj7U1@mid.individual.net...
> > Rod Speed <rod.speed.aaa@gmail.com> wrote

One and the same rude asshole. Big man on the Internet, another loser
talking big from behind his keyboard. What a man.

== 11 of 11 ==
Date: Sun, Oct 25 2009 10:47 pm
From: "Rod Speed"

Roy Blankenship wrote
> holarchy <holarchy@nospam.com> wrote
>>> Rod Speed <rod.speed.aaa@gmail.com> wrote

> One and the same

You quite sure you aint one of those rocket scientist terminal fuckwits ?

> rude asshole. Big man on the Internet, another
> loser talking big from behind his keyboard.

Corse you never ever do anything like that yourself, eh hypocrite ?

> What a man.

Wota fuckwit.

==============================================================================
TOPIC: Gucci Men's Long Sleeve T Shirt 022 Fashion and High Quality
http://groups.google.com/group/misc.consumers.frugal-living/t/82372fc0bd54c2c8?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Oct 25 2009 7:27 pm
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==============================================================================
TOPIC: Replica Ralph Lauren Polo Hats 043 Fashion and High Quality
http://groups.google.com/group/misc.consumers.frugal-living/t/e81336c359744a1d?hl=en
==============================================================================

== 1 of 1 ==
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==============================================================================
TOPIC: Kroger - strategy for getting marked down meat
http://groups.google.com/group/misc.consumers.frugal-living/t/9b8cba321dd7b503?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Oct 25 2009 9:42 pm
From: itsjoannotjoann@webtv.net

On Oct 21, 4:13 pm, "OhioGuy" <n...@none.net> wrote:
>
>
> So, I was wondering if there might be any of you out there with an insight
> into when might be the best time to check for marked down meat at the
> market. Thanks!
>
>
My Kroger puts marked down meat in the bin between 3:00 and 4:00 p.m.
daily. I have picked up quite a few bargains in that meat section!

==============================================================================
TOPIC: CallingMart Temporary Coupon Codes (expire 10-23) for T-Mobile Prepaid (
10%), AT&T GoPhone (10%), Tracfone (7%), Verizon InPulse (7%), and PagePlus (7%
)
http://groups.google.com/group/misc.consumers.frugal-living/t/86bcc24bd96cd169?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Oct 25 2009 10:43 pm
From: Todd Allcock

At 25 Oct 2009 18:29:32 +0000 Larry wrote:

> Sure wish when my balance is over $20 the system wouldn't tell me on
> every call I have $137.85 balance......
>

IIRC, you can hit any key once it starts babbling and it'll shut up and
connect the call.

== 2 of 2 ==
Date: Sun, Oct 25 2009 11:28 pm
From: The Ghost of General Lee

On Sun, 25 Oct 2009 23:43:48 -0600, Todd Allcock
<elecconnec@AnoOspamL.com> wrote:

>At 25 Oct 2009 18:29:32 +0000 Larry wrote:
>
>> Sure wish when my balance is over $20 the system wouldn't tell me on
>> every call I have $137.85 balance......
>>
>
>IIRC, you can hit any key once it starts babbling and it'll shut up and
>connect the call.

Nope, just tried it. Perhaps you're thinking of the voice mail
system.

==============================================================================

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misc.consumers.frugal-living - 18 new messages in 5 topics - digest

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