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Old 02-12-2010, 03:39 PM
 
Location: Monterey Bay, California -- watching the sea lions, whales and otters! :D
1,918 posts, read 6,239,770 times
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Quote:
MagnoliaThunder: Well, I don't mean like actually combining assets, as much as a sort of "roomie" situation...in other words, three or four people pay a portion of a rental, a portion of the groceries, etc. and kind of look out for each other...that way, even someone with few assets may be able to barter -- i.e., she has less income to pay for rent, but in return for that shortage perhaps she can take care of some housework or errands that she has more time for since she works part time, etc. I guess is would be communal, of course, and also kind of a work in progress to see what works for each situation. We all need to consider taking care of each other since so many of us have found retirement and aging creeping up on a group of people who never thought we'd see this day come!

I just posted on our "End of Life Issues" thread about pretty much what you said -- geared toward those with few assets. It's along those same guidelines, and I'm just pasting the link here to not repeat myself:
http://www.city-data.com/forum/12875171-post49.html

Good luck to your friend, Montana. It can be a hard road getting older! But then again, if we worked together to create community, we might actually enjoy it more!
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Old 02-12-2010, 04:01 PM
 
48,516 posts, read 83,901,398 times
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Quote:
Originally Posted by livecontent View Post
There are many programs available to help the poor in every State but you have to apply for them. Most of them are handled through the county social services. There is income assistance, food relief and rent assistance; state pensions for people who do not qualify for social security. There is the Supplemental Security Income (SSI)and Medicaid. There are many other programs, depending on the State.

What you are indicating is a person who qualifies for many programs. However, many get bad advice or no advice and they fail to seek the help from the proper social service agency who know what is available and how to apply. The best thing you can do is take your friend to the County and help her apply.

Livecontent
I also recommend that she get with the socal services works in her area because there are also alot of non-government programs like food banks and others that help with even electric cost etc. The number of private foundations is incrdiable in most areas really; But the key as he pointed out is knowing what is available and how to apply.
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Old 02-12-2010, 05:12 PM
 
Location: At the Lake (in Texas)
2,070 posts, read 2,034,685 times
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Quote:
Originally Posted by Wisteria View Post
I just posted on our "End of Life Issues" thread about pretty much what you said -- geared toward those with few assets. It's along those same guidelines, and I'm just pasting the link here to not repeat myself:
http://www.city-data.com/forum/12875171-post49.html

Good luck to your friend, Montana. It can be a hard road getting older! But then again, if we worked together to create community, we might actually enjoy it more!
Just read your post in that link...and I absolutely agree -- you just said it more completely and eloquently than me! You would be a wonderful roomie!
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Old 09-30-2010, 11:34 AM
 
Location: Paradise Lost
291 posts, read 409,787 times
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Default Getting down to the real nitty-gritty ...

MontanaGuy: Thank you for introducing a truely important discussion topic. I mean in the general sense of "Retiring In Poverty" and not just the case of your friend.
Let's face it - the middle/working classes in this country are being economically liquidated. College-educated professionals whose specialties have been outsourced to other countries now find themselves in a situation where all they can foresee is holding out until that first (early retirement) social security payment comes in and even then still being below the poverty line. 401K's, savings, home equity - if it wasn't wiped out by the Dot.com Bubble then it was surely wiped out by the latest greatest Housing Bubble.
I see so much fluff on this site about things like where to find the greatest pizza that I can't believe that issues like the specter of millions of Americans facing retirement without the means to actually survive the rest of their lives don't receive more attention. Maybe this is being discussed intermittently across a number of different forums or maybe I just haven't found the right one yet but I would think that "Retiring In Poverty" would be the appropriate heading for posts regarding where in the U.S. a person can go to live decently on minimal fixed incomes for the rest of their lives.
I've been looking into retiring abroad as a last-ditch strategy but find that I can't even afford that. Now I'm looking at Third World America for solutions - places like Flint, Michigan where so many people are leaving that there must be an excess of affordable rentals.
Perhaps as more busted boomers reach retirement age and realize that they're standing at the edge of an abyss this subject will get the attention it deserves.
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Old 09-30-2010, 07:02 PM
 
Location: Los Angeles area
14,018 posts, read 17,729,443 times
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To SelflessGene: Right here in the retirement forum there are, and have been, a number of threads discussing exactly the issues which you brought up in your post #24 above. I think you would just have to keep monitoring the forum every couple of days, because of course not all the threads are on the retiring in poverty theme.
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Old 10-01-2010, 08:41 AM
 
Location: Paradise Lost
291 posts, read 409,787 times
Reputation: 207
Default Mea Culpa

Escort Rider: Thanks for the heads-up. I'm just learning how to use this web site and now realize that I need to back up and consider the entire "Retirement" forum.
Still, the distinction I was trying to draw seems to me to be relevant to an increasingly large number of people, i.e. for the "haves" amoung us the issues revolve around golf courses, investment strategies and so on, whereas for the "have-nots" (I now include myself in this demographic.) the primary concern is how to survive in a country that has changed beyond all recognition - and not for the better. The disparity between these two worldviews is so fundamental that it seems odd to lump them together in the same forum. I chose this site because "City-Data" to me implied hard factual information and I didn't expect the amount of "diversity" (to put the best face on it) that you need to navigate to find something useful and concrete.
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Old 10-01-2010, 03:54 PM
 
13,315 posts, read 25,550,246 times
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I suggest that anyone reading this thread and feeling squirmy about their own futures go write a check for the local food bank if at all possible.
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Old 10-01-2010, 04:03 PM
 
Location: Forests of Maine
30,678 posts, read 49,430,310 times
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Quote:
Originally Posted by SelflessGene View Post
... and even then still being below the poverty line.
I think the government's poverty line is set fairly high.

We really should not be using the term 'poverty' at all, unless a person's income is half of the government's set level.



Quote:
... maybe I just haven't found the right one yet but I would think that "Retiring In Poverty" would be the appropriate heading for posts regarding where in the U.S. a person can go to live decently on minimal fixed incomes for the rest of their lives.
It is being discussed already.
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Old 10-01-2010, 04:26 PM
 
Location: Los Angeles area
14,018 posts, read 17,729,443 times
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Quote:
Originally Posted by SelflessGene View Post
Escort Rider: Thanks for the heads-up. I'm just learning how to use this web site and now realize that I need to back up and consider the entire "Retirement" forum.
Still, the distinction I was trying to draw seems to me to be relevant to an increasingly large number of people, i.e. for the "haves" amoung us the issues revolve around golf courses, investment strategies and so on, whereas for the "have-nots" (I now include myself in this demographic.) the primary concern is how to survive in a country that has changed beyond all recognition - and not for the better. The disparity between these two worldviews is so fundamental that it seems odd to lump them together in the same forum. I chose this site because "City-Data" to me implied hard factual information and I didn't expect the amount of "diversity" (to put the best face on it) that you need to navigate to find something useful and concrete.
I agree that the umbrella of the Retirement Forum is broad and covers a lot of ground, but I like it that way. The testy and lively combat between the haves and the have-nots is actually instructive, IMO, because it allows us that view of the viewpoints of others, which can lead us to be more broad-minded.
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Old 10-02-2010, 09:31 AM
 
Location: Paradise Lost
291 posts, read 409,787 times
Reputation: 207
Quote:
Originally Posted by Escort Rider View Post
I agree that the umbrella of the Retirement Forum is broad and covers a lot of ground, but I like it that way. The testy and lively combat between the haves and the have-nots is actually instructive, IMO, because it allows us that view of the viewpoints of others, which can lead us to be more broad-minded.
Couldn't agree less. To me the concerns of the haves sounds like the grunting of pigs: "retire to Costa Rica and hire domestics for pennies on the dollar". If by "broad-minded" you mean "tolerant" - sorry, I have no tolerance for the cavernous greed of the people who have managed to turn a republic into a plutocracy in three short decades. I know it's not politically correct to use phrases like "class war" but it's the eight hundred pound gorilla in the room that everbody would like to believe isn't there. This particularly American tendency (oh yes, America is exceptional) to submerge themselves in a hot tub of blissful ignorance has given the economic predators the opening they needed. The debate is over and they won. Now, for people like me, the overriding concern is how to survive in the wasteland they've created.

I guess the only thing to do is to start a subforum on the theme of "this is not a salon folks, this is where busted boomers develope strategies for adapting to life in a 21st century jungle". At least we can be assured of a growing demographic.

Buckminster Fuller once said that thinking is basically a process of setting aside the irrelevant until you arrive at the truth. I would like to see an increase in the signal-to-noise ratio around here. Is that asking for too much?

Oh, and what does "IMO" mean? We're not limited to forty characters here and I, for one, am not at all interested in pretending to be a teenager extremely skilled at typing with my thumbs.
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