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~~~~2013 Low Income Support Thread~~~~ - Page 55

post #1081 of 1405

Bah, my furnace seems not to be coming on at all now.  The service guys can't get here until next week and the next few nights are to go below freezing.  So I shelled out a bit of cash for some decent (but not great) portable heaters (of a safe/not scary design) as they were on sale at a local hardware store.  I had to return one of the two right off the bat as it was defective, but the other was great, so I drove back to a different town to exchange it where they had them in stock still. It was an added few bucks in gas, but I am no longer shivering in the house.  Money well spent for the day- though I would rather have it in the bank.  

I did also splurge on a box of yummy crackers for all of us to share on the drive home as this whole errand mess happened over lunch time, and after the return, I got a lollipop for each of the kids and a cup of coffee for myself when I got gas. Mmm, Caffeine. 

Overall, it could be worse. 

post #1082 of 1405
Quote:
Originally Posted by frugalmama View Post
 

 

From what I know, a lot of the genetic stuff is pretty open & shut for getting SSI. I would call either a well known SSI lawyer or maybe a special needs resource center & see if they have recommendations on where to start. And document everything - you will need it.

 

I need to get a death certificate for my mom, and it's $25. Haven't been able to afford it since APRIL. If I can get it I can start the ball rolling to get some funds she was due, but haven't been able to get it started because of no death certificate.

In my city and in the last place I lived, there were community agencies that would offer "Identity Assistance" for things like Photo IDs, birth certificates/marriage certificates, etc. If your area has any community ministries, I would check with them. The Salvation Army in our area (and the last one we lived in) also did it.

post #1083 of 1405
Quote:
Originally Posted by thatgirliknew View Post
 

In my city and in the last place I lived, there were community agencies that would offer "Identity Assistance" for things like Photo IDs, birth certificates/marriage certificates, etc. If your area has any community ministries, I would check with them. The Salvation Army in our area (and the last one we lived in) also did it.

 

We have several of these type agencies here - hadn't thought of trying them to see if they could help.

 

Mom had some oil royalties & was due a couple bigger checks {nothing over $1k though} when she passed away. I am hoping I can just fax the companies a copy of her death certificate & list of heirs, and not have to have it formally probated {which I don't have funds for either :( }. We meant to transfer these to me, but she got sick so quickly that we never got the chance. Now half will go to my brother's kids - which means my SIL will take it & spend it all on her kids instead. But even half what mom was getting would be a big help to us - it would be enough to pay the taxes on the house every year, I think, or close to it.

 

 

Mamas, I'm in a dilemma & don't know what to do. I have a 4 ton central a/c unit for sale, that we pulled from my old house to install here but it turned out to be too big. Only 5 years old, and full charge of freon. I've had it on CL for months, and very little interest. I started out asking $1000 & slowly dropping it as time passed, and went down to $750 this past weekend. Had a guy email & offer $525 for it. My gut is saying that's a really lowball offer, but my brain keeps saying maybe I should take it & use those funds to make more month with so I have a prayer of paying the house taxes on time & catch up on the bills. I don't know what to do.

post #1084 of 1405

micah_mae - here is the social security story, as I know it: (I work as a family advocate, and help many families apply for SSI)

 

For a child to receive SSI, it is based on 2 factors - family income (they have some secret chart of how much you can make, based on family si*e (that was for solidarity!)and that sort of thing), and the severity of the disability, that is the actual level of functioning. So it doesn't go by the specific diagnosis, as much as how serious the effects are. One kid with an autism diagnosis may be denied, another may be approved. Social Security will sometimes require their own evaluation, but the more documentation you have the better: IEP and school records, therapists, hospitali*ations, evaluations, etc. Anything that indicates how the child's functioning is limited by the disability. And how this impacts family - does Mom have to stay home because Junior blows out of every daycare? And so she lost her job? Document it! Do you have to have a specially equipped van to accommodate a wheelchair? Anything that shows how the child's disability impacts the family will be helpful.

 

About a lawyer: to my knowledge they will only take a case after you have been denied twice (applied, denied, appealed, denied again). This is because they are charging a percentage of the back pay (assuming you win), and there has to be enough coming to make it worth their time. If we were rich enough to hire an attorney outright, we probably wouldn't qualify for SSI. :D

 

You can start the application process online. Further interviews can be by phone or in person - this seems to vary by county in my state, no clue how it plays out in other states. It is important to follow the rules - get everything in on time, appeal by the deadline date; all that sort of thing. I don't know how the gov't shut down is affecting local offices. I helped a family with an online appeal yesterday, so it seems the website is functioning. And we had to call in with a question.The phones were being answered, but there was a recording saying offices were only open for certain functions.

 

That is the nutshell version of my experience. I will be glad to try to answer any other questions if I can.


Edited by mamarhu - 10/12/13 at 1:03am
post #1085 of 1405
Quote:
Originally Posted by frugalmama View Post
 

Mamas, I'm in a dilemma & don't know what to do. I have a 4 ton central a/c unit for sale, that we pulled from my old house to install here but it turned out to be too big. Only 5 years old, and full charge of freon. I've had it on CL for months, and very little interest. I started out asking $1000 & slowly dropping it as time passed, and went down to $750 this past weekend. Had a guy email & offer $525 for it. My gut is saying that's a really lowball offer, but my brain keeps saying maybe I should take it & use those funds to make more month with so I have a prayer of paying the house taxes on time & catch up on the bills. I don't know what to do.

Have you checked into how much scrapping would give you???  Maybe the same amt.  I don't know.  But my FIL was telling me last night about a central A/C unit he was pulling apart and scrapping and he was selling the freon, the copper, AND the aluminum and getting money for it.  But otherwise, yeah, I would accept the $525 and run with it.  If you haven't had any other decent offers and you need the money, you take the hit if you have to.  It sucks but.....you dont' have a ton of choice I guess.

 

Quote:
Originally Posted by mamarhu View Post
 

micah_mae - here is the social security story, as I know it: (I work as a family advocate, and help many families apply for SSI)

 

For a child to receive SSI, it is based on 2 factors - family income (they have some secret chart of how much you can make, based on family si*e (that was for solidarity!)and that sort of thing), and the severity of the disability, that is the actual level of functioning. So it doesn't go by the specific diagnosis, as much as how serious the effects are. One kid with an autism diagnosis may be denied, another may be approved. Social Security will sometimes require their own evaluation, but the more documentation you have the better: IEP and school records, therapists, hospitali*ations, evaluations, etc. Anything that indicates how the child's functioning is limited by the disability. And how this impacts family - does Mom have to stay home because Junior blows out of every daycare? And so she lost her job? Document it! Do you have to have a specially equipped van to accommodate a wheelchair? Anything that shows how the child's disability impacts the family will be helpful.

 

About a lawyer: to my knowledge they will only take a case after you have been denied twice (applied, denied, appealed, denied again). This is because they are charging a percentage of the back pay (assuming you win), and there has to be enough coming to make it worth their time. If we were rich enough to hire an attorney outright, we probably wouldn't qualify for SSI. :D

 

You can start the application process online. Further interviews can be by phone or in person - this seems to vary by county in my state, no clue how it plays out in other states. It is important to follow the rules - get everything in on time, appeal by the deadline date; all that sort of thing. I don't know how the gov't shut down is affecting local offices. I helped a family with an online appeal yesterday, so it seems the website is functioning. And we had to call in with a question.The phones were being answered, but there was a recording saying offices were only open for certain functions.

 

That is the nutshell version of my experience. I will be glad to try to answer any other questions if I can.

:rotflmao:clap  Your solidarity means the world to me Rhu.  I'm unashamed to say I snorted when I read it.  

 

 

 

 

'Nother day, 'nother dolla!  I'm sitting here eating my yogurt and drinking my coffee getting ready for work.  Had a fabulous time last night hitting a local Halloween event.  Thousands and thousands of intricately carved pumpkins.  Ama*ing.  I even splurged and bought my kids a hot chocolate on the way there.  One EACH!  Woah.  :lol

 

Have a lovely day ladies.  It's a long weekend, try to enjoy it.  

post #1086 of 1405
Frugalmama- did you mother have a will? If she didn't, you will have to go through a process that is not cheap. My mom died in 2006; I am her only child, and both her parents are deceased. I still had to go through succession, etc. It took about 6 weeks and cost $1,250. I do live in LA, and our laws our different because we still operate under the Napoleanic code (only state in the country), so it may be slightly different. Thank goodness my mom had direct deposit and direct withdrawel when she passed away, so all the bills were paid on her condo while we waited. She hadn't put my name on anything, so I couldn't do anything until everything was legally settled.
post #1087 of 1405
Quote:
Originally Posted by frugalmama View Post
 

 

We have several of these type agencies here - hadn't thought of trying them to see if they could help.

 

Mom had some oil royalties & was due a couple bigger checks {nothing over $1k though} when she passed away. I am hoping I can just fax the companies a copy of her death certificate & list of heirs, and not have to have it formally probated {which I don't have funds for either :( }. We meant to transfer these to me, but she got sick so quickly that we never got the chance. Now half will go to my brother's kids - which means my SIL will take it & spend it all on her kids instead. But even half what mom was getting would be a big help to us - it would be enough to pay the taxes on the house every year, I think, or close to it.

 

 

Mamas, I'm in a dilemma & don't know what to do. I have a 4 ton central a/c unit for sale, that we pulled from my old house to install here but it turned out to be too big. Only 5 years old, and full charge of freon. I've had it on CL for months, and very little interest. I started out asking $1000 & slowly dropping it as time passed, and went down to $750 this past weekend. Had a guy email & offer $525 for it. My gut is saying that's a really lowball offer, but my brain keeps saying maybe I should take it & use those funds to make more month with so I have a prayer of paying the house taxes on time & catch up on the bills. I don't know what to do.

 

I'd take the money and run with it too. Maybe make him a counteroffer of $600? You don't know.. he might take it.

post #1088 of 1405
Quote:
Originally Posted by mar123 View Post

Frugalmama- did you mother have a will? If she didn't, you will have to go through a process that is not cheap. My mom died in 2006; I am her only child, and both her parents are deceased. I still had to go through succession, etc. It took about 6 weeks and cost $1,250. I do live in LA, and our laws our different because we still operate under the Napoleanic code (only state in the country), so it may be slightly different. Thank goodness my mom had direct deposit and direct withdrawel when she passed away, so all the bills were paid on her condo while we waited. She hadn't put my name on anything, so I couldn't do anything until everything was legally settled.

No will :( We had discussed it verbally but nothing in writing as she was very low vision & couldn't see to write it. The only thing she had other than these oil royalties was our house. That was done jointly so it went directly to me as successor. If I have to I can just let these royalties lay - after a couple years normally the oil companies start searching for heirs so they can get it right on their books again. I wonder if legal aid would help get it sorted out sooner though? IDK. I've also thought about just calling the companies & letting them know she is deceased, and asking them if I can just show proof of heirs or does it need to be legally probated. But first I need her death certificate though.

 

Quote:
Originally Posted by LoveOurBabies View Post
 

 

I'd take the money and run with it too. Maybe make him a counteroffer of $600? You don't know.. he might take it.

 

I emailed him a counter offer of $600, haven't heard back yet. I hate to do it, but think I'm going to take the $525 just to get it gone & some money in the bank.

post #1089 of 1405
It is true that after a few years they start searching for someone to give the money too, usually through unclaimed property in your state. For that you will need a death certificate, but you still may need something showing you are the rightful heir. I did just to claim a $24 refund from a water company! I would check with legal aid and they may be able to help you. The lawyer who helped me was a friend of my dad's (parents were divorced eons ago), and he waited for his money until I sold my mom's condo. It was the only way I was able to afford it.
post #1090 of 1405

FYI: All over twitter they are reporting that the company that handles EBT cards is having technical difficulties. Many people are having issues using the cards, many states affected. It's not related to the shutdown; no timetable on when the issue will be fixed.

post #1091 of 1405
Quote:
Originally Posted by mar123 View Post
 

FYI: All over twitter they are reporting that the company that handles EBT cards is having technical difficulties. Many people are having issues using the cards, many states affected. It's not related to the shutdown; no timetable on when the issue will be fixed.

 

Hope its fixed by tomorrow morning - I normally do a big grocery shop on Sunday Mornings

post #1092 of 1405

I had a very good grocery store day, and just want to celebrate a moment! I am not usually the meal planning, shop-with-a-list type. But wow - it makes a difference! I got paid early (didn't expect the direct deposit until the 15th) so thought I'd take advantage of the weekend. I picked up our Bountiful Basket, then came home and planned 15 dinners (family of 3, but counting on leftovers for lunches). Our cupboards were pretty bare, so I had to buy almost everything but spices and condiments. I got all the ingredients, plus toilet paper, cleaning products, dog and cat food, some staples like rice and flour, lightbulbs, and a few little extras for about $180. I know I will need milk and another Bountiful Basket next week, but seriously, it looks like we could count on $450/mo and have plenty of wiggle room. I think I had been spending more like $700 when I was just randomly shopping nearly daily. Wow, I am truly surprised!

post #1093 of 1405

Wow, what a messed up day.  My neighbor directly across the street just died.  He OD'd.  It's been a mess on the street today.  Forensics is still here taking pictures and there's cops everywhere.  It's too bad because he might have been a drug dealer but he was a pretty nice dude.  Always looked out for us and when we had that huge storm last year he brought over the snowblower and helped me dig out my car.  :(

post #1094 of 1405

Justmama - I'm sorry for your loss. I remember you mentioning him a few times here as a really nice guy.

 

Mamarhu - we buy randomly too, but then make meals from the pantry so it works out - mostly. I do have to occasionally plan meals around using up things, like right now I have a lot of cherry pie filling, canned pineapple, and cake mixes. It was all super cheap on clearance or with coupons though.

 

 

We are having a good weekend here for a change :) Today went & did my normal couponing run, got some free things to donate to one of the place that helped pay my electric bill. I always remember who helped & who didn't and donate accordingly. They just posted on their FB this morning that they needed hygiene items and I have stuff I got free after coupons :)

 

Going tomorrow to take another load of books to half price to raise a little bit of funds. Macy's is running $10 off of $25 until 1pm tomorrow for the holiday, and I have a $10 GC I won in a sweepstakes so just need to come up with $5 cash. Going to get dd some much needed socks, undies & maybe some mittens or gloves if I can. Might just make her recycled sweater mittens instead & line them with something soft. I have a couple wool sweaters that didn't meet requirements for selling that I can use - was going to make a cat bed out of them but I can spare one. Anyone know a good free pattern online to make a hat? DD needs a hat too.

 

Greatfuls:

 

~coupons to get stuff free, both things we need & things to donate

~the lovely rainy day we are having

~SNAP was up & running today :)

post #1095 of 1405
Justmama, I'm so sorry to hear about your neighbor. :Hug I totally don't mean this in the wrong way, but I've found that sometimes the most "dysfunctional" according to societies standards are often the nicest people you'll ever know. God bless him. 

 

Frugalmama, I'd just cut my losses too. Money in the bank is money in the bank, right? Did he get back to you yet? 

 

Well, I've got some good news to report. We talked to our bank and we lowered our monthly repayment (negotiating a much better rate and cutting out extras) and the new repayment (almost $500 LESS per month) is doable under the amount of financial assistance we'll be receiving. This means so long as DH is unemployed, we can still keep our home and meet our other very basic expenses (food, electricty/gas/water). There is zero room for anything additional such as new shoes or clothes when the kids outgrow theirs etc but we will find a way to deal with those types of expenses. So long as we're sheltered, have running water and electricity and our bellies have food, all is good. The amount of peace this has bought me is unbelievable. I feel so incredibly thankful right now. :throb

post #1096 of 1405
Quote:
Originally Posted by LoveOurBabies View Post
 

 

Frugalmama, I'd just cut my losses too. Money in the bank is money in the bank, right? Did he get back to you yet? 

 

Well, I've got some good news to report. We talked to our bank and we lowered our monthly repayment (negotiating a much better rate and cutting out extras) and the new repayment (almost $500 LESS per month) is doable under the amount of financial assistance we'll be receiving. This means so long as DH is unemployed, we can still keep our home and meet our other very basic expenses (food, electricty/gas/water). There is zero room for anything additional such as new shoes or clothes when the kids outgrow theirs etc but we will find a way to deal with those types of expenses. So long as we're sheltered, have running water and electricity and our bellies have food, all is good. The amount of peace this has bought me is unbelievable. I feel so incredibly thankful right now. :throb


Not yet - he also put his phone number in the email but I'll have to get to a pay phone - only have 28 minutes left on my safelink phone for the month after dealing with the electric bill. I think I'll call him & make a verbal offer of $600, but if that doesn't go be prepared to go down to the $525 he offered. Then those funds are going to pay for bus passes, a mower, and income earning.

 

So glad to hear you were able to lower your mortgage payment. I don't know where you are, but what I've been doing to cover the little stuff like you mention is sweepstakes online. Takes me about 3 hours a day to do all my instant winners, daily entry & the new ones posted, but it's nice to win stuff. A lot of times it's something I can either give as a gift, sell online or on CL, or a gift card I can use myself. I also coupon shop at CVS - sometimes I can get extras there too with their ECB {store reward bucks}. Again - not a lot, but it helps.

post #1097 of 1405

Wanted to share this here - Feeding America has been trying to get to the bottom of the shutdown & benefits and what will happen, and here is their findings:

 

http://feedingamerica.org/how-we-fight-hunger/advocacy-public-policy/shutdown-impact-nutrition-programs.aspx

 

Quote:
 The country is still figuring out the implications of the recent government shutdown. We took a look at nutrition programs and how they will be affected.
 
The Supplemental Nutrition Assistance Program (SNAP - formerly known as food stamps) will continue operations and eligible households will still receive monthly benefits for October. SNAP does not have statutory authority to continue distributing benefits after October...
 

No additional funds would be available to support the Commodity Assistance Programs (CAP) including the Commodity Supplemental Food Program (CSFP), The Emergency Food Assistance Program (TEFAP), and administrative funding. While no new funding will be able, existing inventories can still be used. The Senior Farmers’ Market Nutrition Program is a Commodity Assistance Program and will not have funds to provide benefits.

 

While WIC was initially thought to only have enough funds for benefits in the short term, due to a combination of a USDA contingency fund as well as careful budgeting by state WIC authorities, benefits for WIC will continue for the month of October.  USDA has no legal authority to continue providing benefits under the Women, Infants and Children program during a shutdown, but states are able, with the help of the USDA contingency fund, to have the money and legal authority to fund the assistance program for the rest of the month. 

 

Child Nutrition Programs will continue for the immediate weeks following the government shutdown. School breakfast and lunch programs and meals provided in day care settings (CACFP) would continue into October. This is also true for the Summer Food Service Program (SFSP) and the Special Milk Program. School meal program and CACFP providers are reimbursed for meals served 30 days after the end of the service month, so providers would not be paid for meals provided in October until the end of November. Most state agencies will continue to have FY13 funds available for state administrative expenses.

 

Senior Nutrition Programs do not have funds to continue during a shutdown.  The Department of Health and Human Services will not be able to fund Senior Nutrition programs, which includes both home-delivered meals (Meals on Wheels) and senior congregate feeding programs. Local Meals on Wheels programs will not be affected immediately. Programs are generally reimbursed after meals are already delivered.

 

So pretty much to sum it up - just about everything is okay for October. But if it stretched into November, things are going to start shutting down due to lack of funding. Pretty much what we thought already, but it's nice for feeding American to delve into it & figure out exactly what'll happen.

post #1098 of 1405
I really hope all this gov shutdown business is resolved quickly. I can only imagine some of the stress some of you mamas must be feeling. If the shutdown would have happened last year we would have been right there too.

The next few days I will be busy feeding my freezer. I picked a bushel of apples saturday and sorted them. Today I started making apple pie filling. I have four batches made and decided to take a break. Im sure I have enough for at least two or three more batches. I plan to give one to my neighbor, save one back for our thanksgiving food drive, and make some pies for thanksgiving. Then I will probably use the mixes left for quick apple crisps and addition to oatmeal. I also need to make a batch of applesauce and my freeze is full of overripe bananas so I will do a few loaves of bread.

Otherwise there isnt much going on here. Im waiting to hear about getting some free shoes for dd and printing them out some worksheets.
post #1099 of 1405
Thanks for the info frugalmama. I'm really hoping things are settled with the government by Thursday Oct 17th...... If it goes beyond that then I'm not sure what our family will do to make ends meet. (praying it all works out)
post #1100 of 1405
Hey ladies I have good news. We finally sold our camper! We are now curent with our payments, paid off a couple of smaller credit cards. This doesn't mean we are on easy street by any means!!! We still have one nasty cc and a couple of painful car payments. We live in the area of the us wbere there is zero public transportation. Car payments aren't going anywhere although wemay try and trade off our truck for lower payments.andbetter gas mileage. I was so thankfulto get enoughmoney toreallygo grocery shopping. Typing on a nook so excuse typos.

I am praying for gov to get it together before funds run out on assistance programs so many rely upon. We don't qualify for them but those of you who do I want you to get what you need!!
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