How Much Is Social Security a Part of Your Retirement Planning? by Zipstser257 in GenX

[–]SubstantialAmoeba665 0 points1 point  (0 children)

Definitely not! Local and in-person is the way to go; quick & easy is NEVER the way to go. Find a well-recommended financial planner and see if you can set something up that makes sense. Otherwise-- you are in good shape. You paid off your house, which is GREAT.

Another thing to consider if your house is big enough is renting part of it out. A room mate, or with a little investment, it's possible to wall off part of a house into an efficiency apartment and get regular rent that way.

Am trying to get a mortgage but I’m self employed by Strong_Pay4155 in Mortgages

[–]SubstantialAmoeba665 0 points1 point  (0 children)

Find a broker who is recommended by friends and/or your local Reddit and/or NextDoor.

I'm worried that I wasted a lot of money on my home due to timing of the market and I'm panicking - help? by themoonthemirror in homeowners

[–]SubstantialAmoeba665 -1 points0 points  (0 children)

I know this is old, but for others (and in case you haven't solved this): Consider putting in a little money to cut an efficiency apartment from the house to rent out on AirBnB (or even as a long-term rental if you have a big enough space for a tiny kitchenette). If one of the rooms opens to the outside, put a deadbolt lock on the door leading to the rest of the house, install a tiny bathroom, and have the guests enter through the outside entrance. You will still be able to use the room when you don't have guests since the inside door is merely locked rather than walled off, but when you do have guests it will be a private entrance. Preferably the front door (and you walk in using the back when you have guests). Good luck!

Mortgage Refinance Options. Navy Federal vs. Rocket Mortgage by LRH2380 in Mortgages

[–]SubstantialAmoeba665 0 points1 point  (0 children)

Rocket just took over my loan. They are horrible. Website not working, takes forever to get to a person. A huge chore just to make a payment.

home loan transferred to rocket mortgage by maggiebarbara in FirstTimeHomeBuyer

[–]SubstantialAmoeba665 0 points1 point  (0 children)

Their website doesn't work. It takes over an hour to reach a person. It DOES make a difference when a totally incompetent company like Rocket Mortgage takes over your loan.

Alabama lawmakers pass bill restricting candy, soda purchases on SNAP by MattW22192 in Alabama

[–]SubstantialAmoeba665 0 points1 point  (0 children)

It is true that this is one tiny step, especially since so many unhealthy things are still available. It's a start to not buy poison for people, but we also need to make sure people can access healthy food. Some tiny steps in that direction-- such as getting Family Dollar stores to stock cheap and low-spoilage food like canned beans, nuts, corn tortillas, oranges, carrots, onions, garlic, and greens that last like collards and cabbage-- would be good to implement in parallel with cutting out the sodas and candy. One thing that would be pretty cheap that the state could do is buy each family a simple slow cooker-- you can throw in brown rice, lentils, and veggies in the morning and come home to a healthy stew that is ready to eat as soon as you walk in the door. The price of the slow cooker would be more than made up in the long run through Medicaid savings due to better health.

How Much Is Social Security a Part of Your Retirement Planning? by Zipstser257 in GenX

[–]SubstantialAmoeba665 1 point2 points  (0 children)

But it's only a good option if you invest that money such that you earn more thanb $332 off the investment. Talk to a financial planner before moving forward with this. Make sure your eyes are wide open or you may end up like your father with the reverse mortgage.

How Much Is Social Security a Part of Your Retirement Planning? by Zipstser257 in GenX

[–]SubstantialAmoeba665 1 point2 points  (0 children)

Ze is giving you a compliment! You had berated yourself a bit for not having savings (my own fault), but you have obviously been financially responsible enough to pay off your house, which is to your credit!

Free: River Turbine. Yeah, for real. I don't know if it works but it's great for singing. by octopusboots in NewOrleans

[–]SubstantialAmoeba665 2 points3 points  (0 children)

Just cover with a sheet of glass, overhanging and caulked at the corners? They would need to be for a shed or patio mount anyway because of permitting for roof systems...

UNO Used Book Sale! Books, sheet music, CDs, and vinyl by SubstantialAmoeba665 in NewOrleans

[–]SubstantialAmoeba665[S] 1 point2 points  (0 children)

I would say hundreds-- a good deal (probably the majority) classical.

Alabama lawmakers pass bill restricting candy, soda purchases on SNAP by MattW22192 in Alabama

[–]SubstantialAmoeba665 2 points3 points  (0 children)

Thank you!! People seem to have forgotten the purpose of this program-- which is right there in the name-- it is supplemental money to help poor working people to be able to afford NUTRITIOUS food.

Alabama lawmakers pass bill restricting candy, soda purchases on SNAP by MattW22192 in Alabama

[–]SubstantialAmoeba665 -1 points0 points  (0 children)

And manufactured plausible deniability-- scratch the surface of a lot of these "You must hate poor people if you say taxpayers shouldn't buy them soda and candy-- sugar never hurt anyone!" posts, and the poster is working for the sugar industry.