ChiefsPlanet - Life I am learning empathy for the homeless

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I am learning empathy for the homeless (https://chiefsplanet.com/BB/showthread.php?t=354522)

Just getting caught up on this. Sorry to hear about your struggles. Been to the bottom and back several times myself. Sounds like you have quite a bit of customer service experience and are used to talking to random strangers on the phone. Don’t discount that skill brother. I did a couple years recruiting for an inbound Medicare sales agency and during the enrollment season, which is coming up, we had reps making $3k-$6k per week. And these folks weren’t the sharpest knives in the drawer. You may want to look at what it takes to get your license in OR, it’s usually anywhere from 20-30 hours worth of coursework online. Could be a nice seasonal bump for you if you think you can stomach reading a script over and over again. It’s a fast growing customer base as the Boomers head off into retirement. Best of luck!

https://dfr.oregon.gov/business/lice...licensing.aspx

Quote:

Originally Posted by Hydrae (Post 17632887)

In many ways you are right. I have never been great with money and it is showing. I did get all of $500 a week from unemployment for the time it was available. It helped get through but it certainly was not enough to pay the amount of bills I have by now. That has expired and is no longer available.

At no point in my life since I was 16 have I been out of work for more than a few weeks. I fully expected that to be the same so I lived like normal at first while getting severance. Then reality smacked me in the face but I kept believing it would be okay.

FYI, given how long this has carried on, I don't know why you think this is the first place I turned too. Also, in case you did not notice, I specifically stated that no replies were needed. I just needed to get things out of my head and I knew it would be acceptable here. As others have stated, this is an amazingly supportive community (for the most part). At no point did I ask for assistance, this was really simply for my mental health.

I don't know if it is because it helped clear my head or I just "screamed" loud enough for God to notice but there are a few things that broke free for me yesterday after that post. I know part of it was simply the outpouring of positivity that most everyone injected which helped me get a little confidence back.

I pray that you never have anything that pushes you down as far as I was, it is hard to get out of. But, if you ever are in need, I am more than willing to support you and anyone, from the young people I have helped in the past to the guy who's broken down car I just pushed off the road so everyone else who are going around don't have to wait so long.

I bet God did notice. Maybe He led you here for your own therapy, and also to show other Planeteers who might not be as willing to share what's going on in their lives that there are others going through the same things they are. Your post might inspire them to stay positive and not give up hope.

There are millions going through similar situations. I sling mortgages for a living and more than 95% of my business is coming from people doing cash out refinances to pay down credit card debt. This country is absolutely drowning in credit card debt right now. And from people who work hard, make good money, and still can't keep their heads above water. I've been in this business off-and-on for the last 22 years and I've never seen anything even remotely as bad as things are right now. It's totally unsustainable for a nation. So you are not alone by a long, long, long shot.

You'll pull through this, learn great lessons, and pass them along to others in your life. Just keep grinding, and good luck to you.

Sounds like things are starting to look up for you, Hydrae, but I'll continue to keep the positive thoughts coming your way.

Also, if Otter ever becomes unemployed, I ain't gonna exactly be selective with my words.

Quote:

Originally Posted by scho63 (Post 17632813)

Yeah, because when your 62 and you can't land a good job and pay your bills and telling everyone you are on the verge of homelessness, CP is the first place everyone should turn to. :rolleyes:

Being judgmental of someone you have never met is not a good look. Take a break and come back and apologize.

Quote:

Originally Posted by Balto (Post 17633970)

Great advice but I’d disagree about taking SS early vs later. It’s very very person to person. Lots of factors like do you have retirement accounts? Will you be looking at large Required minimum distributions(RMDs) later in life, 73 atm.

If a persons everyday living expenses are satisfied by what SS pays even at 62 that could be a great reason to start taking distributions.

What about your spouses SS? What happens if one of you passes?

Just saying that starting SS at age 62 vs full age isn’t the same for every person and every situation.

I would agree...it should be based on each person's situation. But in situations where it could be the difference between making ends meet and sinking it is an option.

There are age points where taking SS earlier than age 70 makes sense.

SS - Take it when you can. You never know when it'll dry up paying people who refuse to get jobs and illegal invaders. I don't ever plan on seeing it

The SS topic is interesting, it always is... And I 10000% agree that it's up to each individual's situation. In cases where it's needed to make ends meet it's a no-brainer, but after that it's a balancing act. I'm not going to wait until 70 to take it because of my lifestyle and passion, so waiting so much longer for the higher payout (all based on the government's opinion on when you'll die (how long/less they'll probably have to pay that higher amount)), so I'll take that beer money sooner than later and use it to travel.

But that's just me.

Quote:

Originally Posted by ptlyon (Post 17634144)

SS - Take it when you can. You never know when it'll dry up paying people who refuse to get jobs and illegal invaders. I don't ever plan on seeing it

Bringing politics into this is bad form.:shake:

I never thought I'd see any of that SS money I was paying in either. I was convinced it was a waste of what little money I had at the time. Now, I'm on it. So another case of never say never.

Quote:

Originally Posted by BigRedChief (Post 17634220)

Bringing politics into this is bad form.:shake:

Sorry the truth is too much for you. Carry on.

I’ve said it before, and I’ll say it again. This is why I come to CP!!
Brother comes in with a serious problem and most if not all has helped out. Thanks for all that (most of) you do!!

Best of luck, fellow member!!!

Quote:

Originally Posted by Balto (Post 17633970)

You're welcome to disagree but I can already see you're overthinking it.

You can draw early at 62 and keep working and if things go well again, all that extra earned income will reshape your future draw numbers. If it doesn't work out, at least it's some income to ideally not be living on the streets.

I think you need to last into your 80's for where waiting to 70 vs 67 would become the advantage and well google says the avg male life expectancy in the US is about 75.

That's before even starting to weigh you're working for an additional 3 years of time burnt that you can never ever buy back.

The rest of whatever hypothetical you threw out that clearly doesn't apply to the OP here so moving on.

Quote:

Originally Posted by BigRedChief (Post 17634222)

I never thought I'd see any of that SS money I was paying in either. I was convinced it was a waste of what little money I had at the time. Now, I'm on it. So another case of never say never.

That's another reason I'm taking it at 62. Again, it's mostly beer money for me, but it'll amount to a very nice liveaboard trip a month for me, and that's fine. But yeah, I never thought we'd see it.

Quote:

Originally Posted by ptlyon (Post 17634231)

Sorry the truth is too much for you. Carry on.

The truth is you've been inserting a lot of political bullshit into threads lately, so if you could stop that, it would be great.

Quote:

Originally Posted by Bearcat (Post 17635016)

The truth is you've been inserting a lot of political bullshit into threads lately, so if you could stop that, it would be great.

You should ban talking about anything related to government in this thread then as you're dimply incapable of unbiased enforcement.