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Old 10-13-2015, 07:10 PM
 
Location: Central NY
5,945 posts, read 5,083,610 times
Reputation: 16870

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Quote:
Originally Posted by meo92953 View Post
I don't blame you for being upset. I had a speeding ticket a few years ago and debated fighting it because I,also, was the last one. I just paid it.

As for weather, today is beautiful but yesterday the wind was dangerous & knocked down an electrical pole so we were out of power for 1 hour & people who happened to stay up said it also happened & 1:00 am but I was asleep so didn't know about it until today. There are rumors as to what happened & I'm not going there. A lot of gossip.
Gossip is a wicked thing. I try to stay away from it but living in this place, it is sometimes hard to do.

If I had not seen a lawyer, my insurance would have gone up and maybe I would have gotten more points on my driver's license. I guess I could be suspended from driving, too. So for me it was worth seeing the lawyer.

Seriously thinking of bankruptcy. It seems every time I turn around, I get hit with another big bill and I wonder how it's going to get paid. This lawyer and ticket fine really hit me hard.

 
Old 10-13-2015, 07:49 PM
 
Location: Traveling
7,019 posts, read 6,224,645 times
Reputation: 14648
I did file bankruptcy. After I was laid off at 55, all I could do was temp work. My house lost so much value ($125,000-58,000) so I was paying more than it was worth. I' s sad that I was paying off my other debts but the house payment was killing me, plus things started going wrong, kitchen sink & dishwasher needed work & of course I did not have the money. Actually, I had the money either to fix the kitchen problems or hire a bankruptcy lawyer. I could no longer afford the house payment anyway so chose to hire a lawyer. It wasn't cheap, cost me $12,000 but I felt I had to do it.
Just be aware that you cannot declare it again for 7 years & if you incur other bills, mainly for health problems, you will be responsible for the bills. Google bankruptcy & you should find a group that can help you with the decision. I can't remember the group I talked to, but they were very helpful.
 
Old 10-13-2015, 08:49 PM
 
Location: East Coast
2,932 posts, read 5,396,717 times
Reputation: 4455
Quote:
Originally Posted by RiverBird View Post
I kinda suspected I didn't want to see the DeNiro/Hathaway film (retirement), The Intern. Here's a review:

What 'The Intern' Gets Wrong About Older Workers
We saw it...we liked it...we found it entertaining.

I would suggest that if anybody takes the time to read the article referenced above, please read the comments also. I agree with a number of people who said, "It's a movie, not a documentary.".
 
Old 10-13-2015, 08:58 PM
 
Location: Central NY
5,945 posts, read 5,083,610 times
Reputation: 16870
Quote:
Originally Posted by meo92953 View Post
I did file bankruptcy. After I was laid off at 55, all I could do was temp work. My house lost so much value ($125,000-58,000) so I was paying more than it was worth. I' s sad that I was paying off my other debts but the house payment was killing me, plus things started going wrong, kitchen sink & dishwasher needed work & of course I did not have the money. Actually, I had the money either to fix the kitchen problems or hire a bankruptcy lawyer. I could no longer afford the house payment anyway so chose to hire a lawyer. It wasn't cheap, cost me $12,000 but I felt I had to do it.
Just be aware that you cannot declare it again for 7 years & if you incur other bills, mainly for health problems, you will be responsible for the bills. Google bankruptcy & you should find a group that can help you with the decision. I can't remember the group I talked to, but they were very helpful.
I'm going to stay with my current health insurance. It's a killer (for me) premium for the medical and part D, but all medical bills are paid in full and small copay for Rx. Since I'm going to start seeing another specialist (endocrinologist), I don't see the advantage of high co-pays with a cheaper health insurance. Tempting to go for a $0 premium, but could mean a lot of trouble for me.

I've been trying to pay off some high bills I have had but unfortunately have been using credit card to pay for expenses I don't have cash for. Went to the grocery store and felt depressed at the increases. It's a vicious cycle. Robbing Peter to pay Paul, and eventually Peter wants his money back.

Following a recent check up for my knee replacement, after giving her some information on some of the problems I'm having, don't think I'll be taking a job that requires a lot of standing, etc.

I'm feeling pretty discouraged tonight. How does this happen when you work all your life but run into layoffs, forced retirement, etc. And realizing some of the financial problems I'm having are a part of my own bad spending and planning. Not much opportunity for a do-over.
 
Old 10-13-2015, 09:29 PM
 
Location: Traveling
7,019 posts, read 6,224,645 times
Reputation: 14648
Just assuming responsibility as you are doing, you should finally get ahead. Look at Dave Ramseys website or Suzie Orman' s. It helped me. Pick your highest bill & work on paying that off. Then when you've paid that one off, keep applying that payment to the next, etc. That's how I almost had everything paid off. If it wasn't for the house, I would have made it.
 
Old 10-14-2015, 12:07 AM
 
Location: SW MO
23,593 posts, read 37,315,377 times
Reputation: 29336
Quote:
Originally Posted by meo92953 View Post
Just assuming responsibility as you are doing, you should finally get ahead. Look at Dave Ramseys website or Suzie Orman' s. It helped me. Pick your highest bill & work on paying that off. Then when you've paid that one off, keep applying that payment to the next, etc. That's how I almost had everything paid off. If it wasn't for the house, I would have made it.
Slight correction: The 7 Baby Steps - Begin Your Journey to Financial Peace - daveramsey.com
 
Old 10-14-2015, 07:06 AM
 
Location: Central NY
5,945 posts, read 5,083,610 times
Reputation: 16870
Quote:
Originally Posted by Curmudgeon View Post

I've been plodding along, making my payments every month, trying to not get discouraged too much. But then something dumb like this speeding ticket comes along and I'm kicking myself in the butt because I know there is no extra to pay it, I have to charge it. It's frustrating after a while. Pay down one debt, start building another. How do you get off this roller coaster?

I am getting things together to apply for reduction in rent. Hoping it's a good enough difference to give me some breathing room.

I had thought about going for a cheaper Medicare supplement.... but the way things are looking right now, I believe that would be a mistake.
 
Old 10-14-2015, 07:44 AM
 
Location: UpstateNY
8,612 posts, read 10,697,444 times
Reputation: 7595
Last time I got a ticket I decided to fight it. If I had just paid the fine it would have been 75 bucks. Fighting it and losing cost 150. JM2c.
 
Old 10-14-2015, 07:51 AM
 
Location: Near a river
16,042 posts, read 21,901,585 times
Reputation: 15773
Quote:
Originally Posted by CCc girl View Post
Last time I got a ticket I decided to fight it. If I had just paid the fine it would have been 75 bucks. Fighting it and losing cost 150. JM2c.
You could always pull the little old lady card, saying your eyesight is too poor to have seen the speed limit so you decided to stick close to the car in front of you, which was speeding.
 
Old 10-14-2015, 09:30 AM
 
1,039 posts, read 863,730 times
Reputation: 6623
Quote:
Originally Posted by RiverBird View Post
You could always pull the little old lady card, saying your eyesight is too poor to have seen the speed limit so you decided to stick close to the car in front of you, which was speeding.
But couldn't they revoke her license for being incapable of driving safely?

BTW, I have never been to this thread before and it was a nice surprise to see some of my favorite forum people "hang" here. I think I will spend more time in here but cannot really participate much in the current discussion as I do not drive. This made day to day stuff more difficult when I was young, but now that I am old it's a bit of a relief to not need to worry about car expenses and it is nice to be comfortable using buses. Sometimes if I walk to a store I will push a cart and people will think I am homeless and try to give me bottled water, fruit, and once even money. lol
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