Talk of The Villages Florida

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-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Can anyone help this woman? (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/can-anyone-help-woman-313990/)

KRM0614 12-14-2020 11:39 AM

Quote:

Originally Posted by retiredguy123 (Post 1873107)
According to Zillow, the house is worth $554K. The obvious possible solutions are to either get a mortgage on the house and use the cash to pay bills, or to sell the house and buy a less expensive house or get a rental. The missing information is what is her equity in the house?

Zillow is inaccurate

HIgolfers 12-14-2020 11:50 AM

Quote:

Originally Posted by Eg_cruz@comcast.net (Post 1873147)
That would be rare most retired military passes to spouse

Agreed. In fact, if you choose not to, the non-military spouse has to sign a form agreeing to that. But the pension amount to the surviving spouse is less so that may account for some financial difficulty.

JimJohnson 12-14-2020 12:00 PM

I highly recommend she sell and downsize to something she can afford before she loses any remaining equity and finds herself in 8A housing. I would gladly help her move and help her sell this house voluntarily and free of any charge, but I would not give a penny for someone to keep a home with a pool and a golf course view that they cannot afford.

Villageswimmer 12-14-2020 01:51 PM

I think this whole situation is sad. Posters offering unsolicited advice, speculating on her financial situation, virtue signaling.

This all amounts to a gross violation of her privacy. Her name and other personal information should never have been made public. I hope she doesn’t read this board.

Stu from NYC 12-14-2020 02:22 PM

Quote:

Originally Posted by Villageswimmer (Post 1873406)
I think this whole situation is sad. Posters offering unsolicited advice, speculating on her financial situation, virtue signaling.

This all amounts to a gross violation of her privacy. Her name and other personal information should never have been made public. I hope she doesn’t read this board.

At least she is getting some advise but agreed her name should not have been made public.

jaj523 12-14-2020 02:34 PM

She may or MAY NOT have a pension coming in. Military members opt for survivor benefits or NOT while they are active duty. If they opt for survivor benefits, they get less take-home pay. Some choose for the higher paycheck and forego the survivor benefits.

DAVES 12-14-2020 03:02 PM

Quote:

Originally Posted by DON10E (Post 1873097)
I read this story and it’s been bothering me all day. Her husband was military till he died and she needs help to bring her house up to standards. She seems like a great candidate for a Go Fund me page but I have no experience with that. Do you? Any ideas? There but for the Grace of God...Merry Christmas?



A Villager is claiming her loss of supplemental income is making upkeep at her home too expensive for her to afford.

The home of Ingrid Rickard at 16558 SE 77th Northridge Court in the Village of Calumet Grove was the subject of a public hearing Friday before the Community Development District 4 Board of Supervisors.

A complaint about missing lanai screens and weeds was lodged against her property Oct. 13 with Community Standards. The violation was verified the following day.

Rickard’s husband, a retired Air Force colonel, died in 2012. They moved to The Villages in 2003. The house in Calumet Grove was built in 2004 and they were its first and only occupants.

In the years since her husband’s death, Rickard has fallen on hard times.

She said her supplemental income from retirement has been depleted

“I have no other way of making any money,” the 76-year-old told the CDD 4 board.

She had to trim back on her landscaping budget to save money and friends from her church have been helping her pull weeds.

On Tuesday, she signed an agreement with a contractor who can replace the screens in her lanai. But the contractor is “backed up” and can’t get to her job for 12 to 14 weeks.

Rickard said she understood she could be fined if the work isn’t performed in a timely manner.

“I had to borrow money to have the screens replaced. I cannot afford a daily fine,” she said.

Supervisor Don Deakin urged Rickard to get other competitive bids and potentially use them to spur her chosen contractor to move up the job on his priority list.

CDD 4 Board Chairman Jim Murphy reminded Rickard that she has a responsibility to “keep up the property.”

By a unanimous vote of the board, she was given 45 days to bring the property into compliance. If she fails to do so, she will face an initial $150 fine followed by $50 daily fines.

I am thankful that I do not need to make such decisions. The reason why I would not accept any position where I would need to make such decisions,

I expect there are missing details. Borrow money to have the screens done? Doesn't sound like she can possibly pay it back. Contractor can't do her screens for 12-14 weeks. Sounds like it is more than just replacing the screens. I would think as far as management they are not out to get people. I would hope that if she can show that she has an agreement to have the screens they would grant her an extension. I also expect the management did not look to catch her neighbors have complained.

I am not a financial advisor. She might explore one of those home equity deals. They are expensive but she could raise the money she needs and keep living in her home.
Perhaps, a relative would agree to a similar deal where she could stay in the home?

It is a sad situation-truly sad.

pcacace 12-14-2020 03:05 PM

What about a reverse mortgage? There is probably a lot of equity in the home.

JGVillages 12-14-2020 03:43 PM

Since members of her church are helping her pull weeds, as the original story stated, it is curious the church membership isn’t more involved in helping find a reasonable solution.

larbud 12-14-2020 03:49 PM

Quote:

Originally Posted by Eg_cruz@comcast.net (Post 1873146)
Sound like a reverse mortgage is what would really help her. She would be able to have funds in a line of credit where she could draw monthly income.
This is exactly why reverse mortgages help some.

The seller of same is who it helps..

graciegirl 12-14-2020 05:09 PM

Quote:

Originally Posted by KRM0614 (Post 1873366)
Zillow is inaccurate

I think if you read all of the estimates by realtor.com, Zillow etc. they come pretty close to what the house will sell for.

I wonder if the woman is impaired if she is living in such an expensive way and there is a relatively easy way out. I am not trying to be insensitive. It looks like a bad situation only getting worse when she could list it and sell it and live cheaper somewhere else. Maybe she is unable to make decisions. I don't know what happens when there is no family to guide one. Is this a matter for social workers?

rphil11ort 12-14-2020 06:02 PM

Depending on the equity in the house she may consider taking a reverse mortgage to help her get through it. If she wants to discuss it I although do not do reverse mortgage s can discuss it with her. Over 37 years in the mortgage business. And I bought my home using a reverse

nick demis 12-14-2020 07:05 PM

Sounds like a prime candidate for a reverse mortgage.

NavyVet 12-14-2020 07:24 PM

This situation is very sad and we all sympathize. I'm sure nobody expects to lose a spouse so soon into retirement. None of us can know who will live outlive who or for how long. That's why it is so critical for good financial/retirement planning, both for worst case scenario and different contingencies.
When my spouse retired after 20+ years service, we decided together to turn down the SBP. We found it quite pricey for the benefits received, especially since it banked on the spouse outliving the retiree by a lot of years to make it worth the cost. What we did was take that same premium amount and bought really good life insurance policies on both of us and invested the rest on our own. My spouse made sure that whenever the time comes that something happens to him, I'd be taken care of, something he learned from his father. Either one of us left behind will 'downsize' when that time comes. It's being practical versus an overly sentimental attachment to a house.
That said, we know very little facts, just a lot of guessing. However, the situation is just not sustainable as it is. The homeowner apparently cannot afford to keep and maintain this large home with a pool on the golf course by herself. Is the pool ever even used? Let's say hypothetically she puts the house up for sale. If there is no money for repairs, then the house would have to sell as is, which means she will not get top dollar and have to settle for a lower price. However, there are many adorable patio villas and cottages for less than half that which would leave her some money leftover to live on for a while, a fresh start so to speak, or even moving outside TV that would be even cheaper. There are many of us who can't afford a pool home on a golf course. I agree with posters that said throwing money at the immediate issues is just a short term fix and doesn't help in the long run. There are too many unknowns; are there any family/relatives? How much can the church or neighbors help out and for how long? Maybe there are cognitive issues, not uncommon at that age. Perhaps there are physical limitations to prevent taking care of so much home. What we do know is this did not happen yesterday or overnight. The spouse passed 8 years ago. People bite off more than they can chew all the time with a big house and then are cash poor. Then one partner loses a job, or gets sick, or dies, losing the income needed to pay the bills - it's just not sustainable.
It makes me think of another possibility; my parents had a thing for many years known as "decision paralysis." Any time there was anything that needed a decision, a choice, or a course of action, they were incapable of making the decision, big or small. Instead of choosing, they would do nothing; they'd stick their heads in the sand and ignore it, hoping it would go away. Not committing to a course of action is in itself a 'choice.' They would always wait until the choice was taken out of their hands. It was so frustrating. It is difficult to help anyone who does not want to accept help, even when providing solutions to a problem. Just saying there might not be much people can do other than to try and point a person in the right direction for financial counseling/budgeting, APS, social worker, elder law, etc.

charlieo1126@gmail.com 12-14-2020 07:33 PM

Go fund me used to take 5%
 
Quote:

Originally Posted by KRM0614 (Post 1873365)
There are other methods of contributing ! Gofundme takes a big chunk for themselves

and there was another 2.9% for another agent not a bad bang for your buck when you look at most charities, but they just announced that they will stop taking the 5% they do good work , they got hit with bad press after that homeless vet scam went public blew up all over the news but what was much less publicized was that go fund me payed back every donor they have helped many people lots of success stories

graciegirl 12-14-2020 09:44 PM

Quote:

Originally Posted by Boomer (Post 1873525)
I am with you two. Parading someone else’s personal information, identity, and financial vulnerability on the internet is just plain wrong.

This thread needs to go beyond closing. This thread needs to completely disappear. It is growing arms and legs and could do more harm than good.

I am equally as appalled by people asking for help or financial aid for their causes and presenting a story for a "Go Fund Me.".

I think that many Go fund me's are private money makers for the person reporting a sad situation about another. There is nothing wrong for people checking information when folks are asking for money. If this person is in dire straits and allowing her nice home to fall into serious failure, it is not a simple, give her money or organize a committee. I am tired of hearing of those kinds of solutions and tired of others thinking that people want pity or a handout. That is why I said that she must have something amiss that is not allowing her to see the reality of her situation. I imagine her neighbors know and well may have tried to help.

I agree that it can't be solved here but as many others have said it appears her home is worth enough to sell and to find a less expensive place to live. To me that is a simple solution, that most people would choose to do.

There is nothing creepy about doing a few clicks to see just what is going on.

EdFNJ 12-14-2020 11:10 PM

Quote:

Originally Posted by OrangeBlossomBaby (Post 1873475)
Doxxing is a hobby among some folks on this forum, and others.

Despicable, disgusting, inappropriate, and creepy as it may be.

Actually this really isn't what "doxing" is. This is someone asking to give money to someone and without finding the details it could also be "scamming." Doxing is generally done with malicious intent and obtained via hacking to expose someone one doesn't like in which case it is likely illegal. The info posted in the first post is public record and wasn't obtained by hacking or illegal means. However in this specific case someone is asking for financial help for someone allegedly in need and for the most part this case it is actually doing one's due diligence.

It seems like the OP posted this based on knowledge of this person who needs help. The OP should clear up whether he posted this with or without the persons permissions. SEEMS LIKE it was prearranged between OP and the lady in question. If not the thread should be removed.

TCLaD 12-14-2020 11:28 PM

Quote:

Originally Posted by RFB41 (Post 1873192)
She gets 55% of his military retirement - a minimum of $43,000 ($23,600)
Plus Social Security- $35,000.
She needs someone to assist with ensuring she receives her entitlements.

You do not know this.

NavyVet 12-14-2020 11:29 PM

Quote:

Originally Posted by EdFNJ (Post 1873540)
Actually this really isn't what "doxing" is. This is someone asking to give money to someone and without finding the details it could also be "scamming." Doxing is generally done with malicious intent and obtained via hacking to expose someone one doesn't like in which case it is likely illegal. The info posted in the first post is public record and wasn't obtained by hacking or illegal means. However in this specific case someone is asking for financial help for someone allegedly in need and for the most part this case it is actually doing one's due diligence.

It seems like the OP posted this based on knowledge of this person who needs help. The OP should clear up whether he posted this with or without the persons permissions. SEEMS LIKE it was prearranged between OP and the lady in question. If not the thread should be removed.

Thank you for providing the correct definition of 'doxing.'

TCLaD 12-14-2020 11:31 PM

Finally, someone that knows the system facts

big guy 12-15-2020 02:10 AM

Quote:

Originally Posted by graciegirl (Post 1873135)
I looked it up too. She paid $283,000 in 2003. I agree with you. I would clean up what I could and sell it and get out from under the amenity fees and live smaller and cheaper somewhere close. I for one would do that far before I would allow a go fund me.

It appears she needs a financial advisor more than anything.

big guy 12-15-2020 02:13 AM

That is in line with what my mother got when my father died and he was a government employee.

Eg_cruz 12-15-2020 06:48 AM

Quote:

Originally Posted by kimaquintana@aol.com (Post 1873188)
Is anyone in touch with this woman? I would be happy to meet with her and potentially purchase the house and let her stay there and pay monthly rent. OR I would be willing to see what she is in need of and help her get workers scheduled and put up funds to get the work done. How do I get in touch with her? Kim Quintana 978-476-1342

She has no mortgage and low income. How would she be able to rent from you. She needs to sell out right and down size or do a reverse mortgage if she just can seem to sell

mysunshine1948 12-15-2020 07:07 AM

Just so you all know, Go Fund Me takes a considerable amount in fees.

msilagy 12-15-2020 07:15 AM

House should have been sold when commitments weren't met - why should people have to bail someone out for not making good decisions?

ruralgoddess 12-15-2020 07:33 AM

Quote:

Originally Posted by Papa Muzzy (Post 1873106)
Where are her neighbors ?

Where are the rest of us?????????

Have you ever paid off someone's debts? I have.

ruralgoddess 12-15-2020 07:34 AM

Quote:

Originally Posted by msilagy (Post 1873615)
House should have been sold when commitments weren't met - why should people have to bail someone out for not making good decisions?

such compassion is overwhelming.

graciegirl 12-15-2020 07:47 AM

Quote:

Originally Posted by ruralgoddess (Post 1873631)
such compassion is overwhelming.

That isn't fair. Or kind. Money is a powerful helping tool if we use it carefully and wisely. It is not a lack of compassion to question these matters. Wasting money is not helpful to anyone.

Ghancock 12-15-2020 07:49 AM

Can I get her phone no. To tell her I am trying to line up someone now who did ours and was reasonable. Or tell her Antonio Mendez says he can stop by tomorrow and give an estimate. And he would do the work on the weekend. This is Gayle Hancock 352-801-3832

pcacace 12-15-2020 08:21 AM

Selling and getting a patio villa makes the best sense. Less space to take care of and lots of cash in the bank.

Paporter 12-15-2020 08:24 AM

There are too many unanswered questions. Go Fund Me is not the solution.
1. Is this woman mentally competent, does she need a guardian ordered by a Judge?
2. Does she have family, who would protect her interests, in refinancing, helping to bring her home up to code and with financial matters? A trusted friend or advisor?
3. The Vietnam Veterans Club could help navigate or give direction to the investigation of discontinued benefits. And determine if additional benefits may be available.
4. She maybe entitled to County and/or State benefits based on her annual income.
What Agencies are available in the Tri-County area that could assist?
5. There are many senior programs via the State of Florida. See Florida Resource Directory - Aging.com.

Blessings to all.

charlieo1126@gmail.com 12-15-2020 08:36 AM

That are for profit company
 
Quote:

Originally Posted by mysunshine1948 (Post 1873607)
Just so you all know, Go Fund Me takes a considerable amount in fees.

they take 2.9% much better then charities

kimaquintana@aol.com 12-15-2020 08:46 AM

If no one has personally spoken with her to find out what the facts are regarding her finances and lack of maintaining the property than everything posted on this thread is assumption. I have been helping distressed people with their properties for almost 3 decades and I am a licensed Realtor in 2 states which is "law based". My comments are based on "willing to help" and not knowing what the end result answers are until I am able to have a conversation with the home owner. I also "tithe" weekly/monthly/yearly as my way of giving back or paying it forward in appreciation for my financially blessed life. My comments are offered with a pure intent and trying to think outside of the ordinary to help someone who appears to need help. Maybe she does not want help, I do not know. No one can come up with the answer for her until they speak with her.

kimaquintana@aol.com 12-15-2020 08:51 AM

It's not about "saving" her, this post was originally written by someone with a compassion for someone who seems to be in distress and I also, a person of compassion have offered to help with either fixing the house for her at my expense or purchasing the house and letting her live out the remaining time of her life without pressure. Simple and sincere. Not everyone is shady just an FYI.

kimaquintana@aol.com 12-15-2020 09:04 AM

So you would not recommend someone offering to pay for her lanai to be fixed without asking the woman to pay it back? There are still good people in the world who have a sincere motivation to help someone in distress. It's clear that I will keep my opinion to myself and will continue to help people whenever I can and however I can. It was an offer to help.

perrjojo 12-15-2020 09:14 AM

I understand everyone’s desire to help but if she can not afford to maintain the property now, she will not be able to maintain it after it has been brought into compliance. Fixing her property is only a temporary solution to what seems a long term problem.

Rosie1950 12-15-2020 09:31 AM

Quote:

Originally Posted by RFB41 (Post 1873192)
She gets 55% of his military retirement - a minimum of $43,000 ($23,600)
Plus Social Security- $35,000.
She needs someone to assist with ensuring she receives her entitlements.

I could be wrong, but I do not believe that to be true.
First- the woman said “he was IN the military until he passed”. That would indicate HE was NOT retired.
Second- I do believe pension benefits STOP upon death. According to these posts he was active, so pension is a moot point.
HE needed to sign up for SBP ( survivor benefit plan) which is an insurance plan geared towards the spouse not being left high and dry. They can insure their spouse OR their children for up to 55% of their earnings. It depends on how much u want to spend on this insurance. If he had , had multiple spouses he had to choose one or the other.
Third- how did u come up with his SS benefits, last I heard that was not public info

OrangeBlossomBaby 12-15-2020 09:35 AM

Quote:

Originally Posted by EdFNJ (Post 1873540)
Actually this really isn't what "doxing" is. This is someone asking to give money to someone and without finding the details it could also be "scamming." Doxing is generally done with malicious intent and obtained via hacking to expose someone one doesn't like in which case it is likely illegal. The info posted in the first post is public record and wasn't obtained by hacking or illegal means. However in this specific case someone is asking for financial help for someone allegedly in need and for the most part this case it is actually doing one's due diligence.

It seems like the OP posted this based on knowledge of this person who needs help. The OP should clear up whether he posted this with or without the persons permissions. SEEMS LIKE it was prearranged between OP and the lady in question. If not the thread should be removed.

Doxxing:
Quote:

search for and publish private or identifying information about (a particular individual) on the internet, typically with malicious intent.
The original letter, which was published on another website, was someone publishing someone else's identifying information (their name, address, marital status, the fact that they can't afford their home). The original post on THIS website (talk of the villages) took that personally identifying information that had been published somewhere else, and made absolutely SURE that it continued to be published, by spreading the information.

That, by definition, is doxxing. The "malicious intent" is "typically" not "always." Definitions are pretty precise. When a definition includes "typically" it's because whatever follows the word is not universally true.

And yes Gracie - clicking a few clicks IS absolutely positively doxxing, when you post (thereby publishing) the results of those clicks. You're one of the people who do it on a regular basis, so of course you won't recognize it for what it is.

charlieo1126@gmail.com 12-15-2020 09:43 AM

Can you still be reached
 
Quote:

Originally Posted by kimaquintana@aol.com (Post 1873704)
If no one has personally spoken with her to find out what the facts are regarding her finances and lack of maintaining the property than everything posted on this thread is assumption. I have been helping distressed people with their properties for almost 3 decades and I am a licensed Realtor in 2 states which is "law based". My comments are based on "willing to help" and not knowing what the end result answers are until I am able to have a conversation with the home owner. I also "tithe" weekly/monthly/yearly as my way of giving back or paying it forward in appreciation for my financially blessed life. My comments are offered with a pure intent and trying to think outside of the ordinary to help someone who appears to need help. Maybe she does not want help, I do not know. No one can come up with the answer for her until they speak with her.

at that address in Nigeria??

wmcgowan 12-15-2020 10:47 AM

sell it
 
Quote:

Originally Posted by retiredguy123 (Post 1873107)
According to Zillow, the house is worth $554K. The obvious possible solutions are to either get a mortgage on the house and use the cash to pay bills, or to sell the house and buy a less expensive house or get a rental. The missing information is what is her equity in the house?

that is a huge house - time to sell and move to an affordable unit


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