post heart by pass surgery - Page 3 - PeachParts Mercedes-Benz Forum

oldsinner111 · #1 05-02-2019, 10:08 AM

Hey thanks you all,aging is new to me,and not for sissies. ha.went to town,done good,bought my wild life feed.Love to feed my chipmunks,deer,rabitts,birds,and others

oldsinner111 · #2 05-02-2019, 12:51 PM

I take real strong anti inflamatories, so been on senna lax non stop since 2002

oldsinner111 · #3 05-02-2019, 02:21 PM

well got so old, and sick,can't paint home,and rebuild my deck. I will have to abanden our house,and file bankruptcy

t walgamuth · #4 05-02-2019, 02:46 PM

why not sell the house?

If you were to take bankruptcy they cannot take your home.

oldsinner111 · #5 05-02-2019, 02:51 PM

The house is not worth what I owe.Moving with son 80 miles south

t walgamuth · #6 05-02-2019, 03:15 PM

Quote:

Originally Posted by oldsinner111

The house is not worth what I owe.Moving with son 80 miles south

If you sell it the bank will probably agree to take a haircut to get it off their books. Then you would not have to take bankruptcy. I imagine it might also be worth asking the bank to renegotiate the loan with you, a disabled vet (right?)

There are always ways to deal with financial problems. One key though is to keep paying each month what you can afford to show good faith.

Also if you take bankruptcy before selling or abandoning the house you can get rid of other debts so that you might be able then to make the payments.

It doesn't cost anything to ask.

barry12345 · #7 05-02-2019, 10:56 PM

The way it works in our region of Canada. If you are getting pensions. Faced with the costs of doing whatever is required to your home. Telling the authorities you may have to go to a nursing home out of financial necessity..

The nursing homes are private ventures and most pensions will not cover the cost. So the government covers the difference.

So the government figures it is far cheaper to do whatever your house needs. If it can reasonably keep you out of a nursing home. Most the time it is in a totally forgivable grant and there is no lien registered against the property. I have no issue with being totally disqualified and paying our own way.

What is questionable though is the disqualification level is based on having only fifteen thousand dollars or more in the bank.

I do like the ideal of all the housing built for older people. Including everything the cost is 25 percent of your yearly income. It keeps people out that still have a decent cash flow. Yet enables people that have some money but low earnings and pensions to take advantage of them. These places are all inclusive including all utilities, snowplowing etc. Ideal in my mind for those that like to travel a lot as well. People have to be 55 or older to get into one.

Two of our kids have stated that I and or the wife can move in with one of them someday. You never know the future. Although at present I think it is out of the question for the future as they have their lives to live.

merc lover · #8 05-03-2022, 01:23 PM

Quote:

Originally Posted by t walgamuth

If you sell it the bank will probably agree to take a haircut to get it off their books. Then you would not have to take bankruptcy. I imagine it might also be worth asking the bank to renegotiate the loan with you, a disabled vet (right?)

There are always ways to deal with financial problems. One key though is to keep paying each month what you can afford to show good faith.

Also if you take bankruptcy before selling or abandoning the house you can get rid of other debts so that you might be able then to make the payments.

It doesn't cost anything to ask.

Great idea...these are known as "short sales". He will need to interview several real estate agents who are well versed in short sales. A top notch real estate agent will GET THE JOB DONE. He'll be out of the house with little to no damage to his credit.

The other way is to simply abandon the house. Abandoning a house with a bank mortgage will absolutely destroy your credit.....

merc lover · #9 05-03-2022, 01:25 PM

Another option is to check out cash home buyers. Cash home buyers are investors who will pay cash for your troubled property and get you out of the deal TODAY.

t walgamuth · #10 05-02-2019, 11:52 PM

Too bad our friend lives here instead of the great white north.

You seem to have an excellent combination of capitalism and socialism of appropriate services.

sloride · #11 05-03-2019, 12:48 AM

Quote:

Originally Posted by t walgamuth

Too bad our friend lives here instead of the great white north.

You seem to have an excellent combination of capitalism and socialism of appropriate services.

We have something similar already. No income no assets there are places from just an apartment, to assisted living. they do take most of any social security income you have.

barry12345 · #12 05-03-2019, 12:12 PM

Quote:

Originally Posted by t walgamuth

Too bad our friend lives here instead of the great white north.

You seem to have an excellent combination of capitalism and socialism of appropriate services.

Actually Tom it just saves taxpayers money. As many of these people would enter nursing homes much earlier through their financial need otherwise.

With inflation today for a percentage they would have no other choice. It is three to four thousand for a nursing home placement per month today or more. Many in them do not have the need for their services. Just old and poor.

In a way it of course is socialistic. Yet in their prime of life these people worked and under our system of capitalisim were paid little compared to what their employers made.

Some forms of redistribution has to be in effect. Or we would be a really cruel society. It has hurt the landlord business to some extent must be acknowledged.

New developments continually under construction exceed demand. The requirements for one are a years residency in this province. They each have an attached single car garage. They are built with frost walls and heated concrete slab floors.

So with no basements there is a limit to the amount of junk you can take with you into them. I suspect some probably rent some storage. They are also well enough built they should eventually even amortize out at the cheap rents eventually. The larger centers are way behind us in providing them.

I have observed the people occupying them seem generally content and happy. Why have we been building them so fast and in quantity? Too much of the next generation getting older have been essentially debt ridden. There net worth is perhaps negative even .Or their basic income will just be basic pensions.

Most of us lucky people forget that many people just 60 or so either have a lot of chronic medical issues or are just worn out.

So expectations are the need will increase. If you really roll your mind on this. It is very cost effective and may not even really cost anything to provide in reality. These people were not guilty of enabling the large overall mess we are in today either. More are probably just victims than anything. Pensions are not being indexed properly to real inflation either. So far.

The wife and myself were discussing just reciently what is to come. New doctors are not the workaholics they replace. They want a more balanced life. The vast majority of new doctors are going to limiting the amount of patients they service. So we will need twice the doctors in society we have now all too soon. I do not see them being trained in that kind of numbers currently.

The wife this morning asked me how I know and do things. Or is it like sex where it all just comes naturally to you guys that can? I told her we have drives but our emotional context is much different than women as you know all too well. So we kind of reside with aliens. We must have some flexability. Anyways I cannot really give you an answer without thinking about it for a day or so.

When I asked why she asked? It was mentioned that she listened to the extensive discussion about the odd brake problem on my car. I had with her brother Yesterday. Never a really dull day with the wife.

t walgamuth · #13 05-03-2019, 05:28 AM

Hi Mistress! Welcome back to the zoo!

oldsinner111 · #14 05-03-2019, 11:34 AM

oh not yet,but it will happen.I think moving from this area,and Becky's murdering inlaws,will help greatly.

t walgamuth · #15 05-03-2019, 03:13 PM

I get all my spiritual guidance here on the forum.