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/)

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?


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