Senior Housing/Credit Problem

P

Patnono

Member
Location
Whittier,Ca
Before I retired my HR manager said "just when seniors need the help the MOST, is when they get hit the HARDEST". Words couldn't be more TRUE...what I'm getting too is that Iam having trouble finding an affordable place to live. I have put myself on list, which could take several years. I've had to file for bankruptcy due to medical problems, (is not ongoing) which is isn't NEW to a lot of us? The government takes 30% of my retirement. My SSI check is $1100 a month.

I live in California, which anyone who's live there knows that it's very expensive...I've decided to maybe move out of state? With the bankruptcy no one will rent to me understandably so. The thing is? They won't even accept a co-signer or even a larger deposit? Is society so against Seniors that we are not allowed to recover/second chance?

I can't afford to live where I'm at anymore. My landlord would give good reference, I've lived here 20 years never been late with the rent. These things don't seem to hold any weight. I've looked into renting a room, these people want me to pay their mortgage it seems like $1700-2000 a month. There's a site called Silvernest that offers this. I'd appreciate any suggestions. Thanks
 

Patnono, the SSI benefit amount is $735 for individuals and $1103 for couples. Not sure how you get $1100 in SSI benefit. Also, SSI is for people who didn't work. You've said you worked 32 yrs and that you also get a pension.

Whittier CA is a city of about 85,000+ people. Not a small town. You talk about moving - where and how would you move? "Move out of state" and do what?

While I am very aware that there is age discrimination, I also know that there are seniors with less income than you who have decent places to live. I also know quite a few seniors who found jobs.

Paying $1700/$2000 to rent a room is ridiculous. How many places did you actually look at?

Have you taken any steps at all regarding all the suggestions people have given you about finding a job and a place to live?
 
I would definitely get the reference from your current landlord.

If you can't pass the credit checks for a mainstream apartment complex then I could concentrate on renting from an individual or sharing an apartment. Also check craigslist for barter situations for a room in exchange for housework, pet sitting, childcare, eldercare, etc...

Good luck!
 

In your first post a week or so ago, you said you are living with your kids and want to get away from that situation, so I'm confused. Since you have been there 20 years, did your kids move into your place... or did they just never move out? If you can afford that place, tell the kids to move.
 
You obviously live the the perfect life that you don't think these problems with housing n jobs for seniors exist? These things are not a figment of my imagination. I didn't say seniors CANT get jobs, I know they can, it's harder than any other age group. You should try reading more of the statistics on aging seniors. AARP sometimes puts out articles on this too. So please don't be so quick to judge unless you've live the life of a senior citizen who's going through these things. Saying what your saying is easier said than done?
 
Thanks for your reply, my kids have always lived with me. Their grown now, I admit to spoiling them like a lot of parents have. They have never really paid into living expenses here. My income allowed me to cover them. Well now that I have retired I've told them they need to help pay for expenses. Needless to say that didn't go over well? One can't get income is limited the other can. She resents that the other isn't. For which I can't blame her, but there is a reason why and she knows why too I'd rather not say. It's always getting thrown in my face and now she says she's moving out. So definitely won't be able to continue to keep living here without draining my retirement account. The daughter who can't afford to help out will go to live with her married sister. So the search has begun.
 
Patnono said:
You obviously live the the perfect life that you don't think these problems with housing n jobs for seniors exist? These things are not a figment of my imagination. I didn't say seniors CANT get jobs, I know they can, it's harder than any other age group. You should try reading more of the statistics on aging seniors. AARP sometimes puts out articles on this too. So please don't be so quick to judge unless you've live the life of a senior citizen who's going through these things. Saying what your saying is easier said than done?
Click to expand...

As Travis Bickle asked, "You talkin' to ME?"

You have no idea what I've been thru. However, you've (indirectly) answered all my questions. Since you brought up AARP, reminder you said you were going to call them and make an appointment. Now in this thread it's a different story.

Anyway, good luck.
 
Patnono said:
Thanks for your reply, my kids have always lived with me. Their grown now, I admit to spoiling them like a lot of parents have. They have never really paid into living expenses here. My income allowed me to cover them. Well now that I have retired I've told them they need to help pay for expenses. Needless to say that didn't go over well? One can't get income is limited the other can. She resents that the other isn't. For which I can't blame her, but there is a reason why and she knows why too I'd rather not say. It's always getting thrown in my face and now she says she's moving out. So definitely won't be able to continue to keep living here without draining my retirement account. The daughter who can't afford to help out will go to live with her married sister. So the search has begun.
Click to expand...

It sounds like you have quite a bit going on in your life. I'm not sure if this has occurred to you but if your name is the only one on the lease where you currently live, your children are of age and independent then why not ask them to leave and stay where you are. If the children don't take the nudge have the police escort them off the premises. Then explore the possibility of subletting a couple of rooms in your home to help subsidize your rent and utilities.

Good luck!
 
applecruncher said:
Patnono, the SSI benefit amount is $735 for individuals and $1103 for couples. Not sure how you get $1100 in SSI benefit. Also, SSI is for people who didn't work. You've said you worked 32 yrs and that you also get a pension.

Whittier CA is a city of about 85,000+ people. Not a small town. You talk about moving - where and how would you move? "Move out of state" and do what?

While I am very aware that there is age discrimination, I also know that there are seniors with less income than you who have decent places to live. I also know quite a few seniors who found jobs.

Paying $1700/$2000 to rent a room is ridiculous. How many places did you actually look at?

Have you taken any steps at all regarding all the suggestions people have given you about finding a job and a place to live?
Click to expand...

Actually, SSI benefits are for people whose SS(or SSDI) benefits are are very limited. The SSI (Supplemental Security Income) brings their income up to a certain minimum.

[h=3]Supplemental Security Income (SSI) Benefits | Social Security ...[/h]
"Supplemental Security Income (SSI) Benefits. The Supplemental Security Income (SSI) program pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities who meet the financial limits."https://www.ssa.gov/benefits/ssi/"

I imagine the poster is confusing SS benefits with SSI benefits. My sister got SSI along with her SSDI until she reached 65 and went on regular SS benefits, which no longer qualified her for SSI.
 
Aunt Bea said:
It sounds like you have quite a bit going on in your life. I'm not sure if this has occurred to you but if your name is the only one on the lease where you currently live, your children are of age and independent then why not ask them to leave and stay where you are. If the children don't take the nudge have the police escort them off the premises. Then explore the possibility of subletting a couple of rooms in your home to help subsidize your rent and utilities.

Good luck!
Click to expand...
Good advice. Have the kids help or move them out.
 
Apple Cruncher I think this poster posts to many conflicting statements. Trying to help another senior in a forum like this is a nice feature of having other seniors to bounce ideas and ask questions. But the threads started all seem to reflect the thought that all seniors are vulnerable. Yes there are some that never thought about what the senior years would bring in terms of finances and health issues.

Helping and suggesting seem to me to be ignored. Once a long time ago on another senior site a young person posted pretending to be a senior just to see what kind of response there would be. The conflicting posts remind me of that time.
 
Knight, I have a completely different impression of this poster. I think she's not very good at providing a concise and detailed description of her situation, but I seriously doubt she's trying to defraud anyone.
 
Patnono said:
Before I retired my HR manager said "just when seniors need the help the MOST, is when they get hit the HARDEST". Words couldn't be more TRUE...what I'm getting too is that Iam having trouble finding an affordable place to live. I have put myself on list, which could take several years. I've had to file for bankruptcy due to medical problems, (is not ongoing) which is isn't NEW to a lot of us? The government takes 30% of my retirement. My SSI check is $1100 a month.

I live in California, which anyone who's live there knows that it's very expensive...I've decided to maybe move out of state? With the bankruptcy no one will rent to me understandably so. The thing is? They won't even accept a co-signer or even a larger deposit? Is society so against Seniors that we are not allowed to recover/second chance?

I can't afford to live where I'm at anymore. My landlord would give good reference, I've lived here 20 years never been late with the rent. These things don't seem to hold any weight. I've looked into renting a room, these people want me to pay their mortgage it seems like $1700-2000 a month. There's a site called Silvernest that offers this. I'd appreciate any suggestions. Thanks
Click to expand...

Patnono, there are city, county, state and federal agencies whose mission is to help seniors with housing. They don't care about your credit history. I suggest you search for those agencies on your computer and that you get on the phone with them and see what they can do for you.

Do that immediately after you get those two parasites you call daughters out of your home. Do they really think you owe them a free ride as long as you live, and to be their unpaid cook and housekeeper while you're at it? You didn't retire for that.
 
Smiling Jane said:
Knight, I have a completely different impression of this poster. I think she's not very good at providing a concise and detailed description of her situation, but I seriously doubt she's trying to defraud anyone.
Click to expand...
That's the beauty of the internet. Being anonymous any situation can be discussed without really knowing if their is truth in what is posted. I didn't say the poster was defrauding anyone, your point of no concise or detailed description is the point.
 
Knight said:
That's the beauty of the internet. Being anonymous any situation can be discussed without really knowing if their is truth in what is posted. I didn't say the poster was defrauding anyone, your point of no concise or detailed description is the point.
Click to expand...

We all have our own skillsets. Not all of us are gifted with language skills, or the ability to clarify our experience.
 
Smiling Jane said:
Patnono, there are city, county, state and federal agencies whose mission is to help seniors with housing. They don't care about your credit history. I suggest you search for those agencies on your computer and that you get on the phone with them and see what they can do for you.

Do that immediately after you get those two parasites you call daughters out of your home. Do they really think you owe them a free ride as long as you live, and to be their unpaid cook and housekeeper while you're at it? You didn't retire for that.
Click to expand...
thank you for your reply, I have been looking on different government and senior sites. I saw places out of states that I could afford for seniors, but they won't even take co-signers or large deposits, I even offered 6 months in advance and a letter reference from my landlord of 20 years that I've been a good tenant and never once been late paying rent. I'm at a loss as too what to do with that? I will do what says someone suggested seek out a private owner. Take care
 
Knight said:
Apple Cruncher I think this poster posts to many conflicting statements. Trying to help another senior in a forum like this is a nice feature of having other seniors to bounce ideas and ask questions. But the threads started all seem to reflect the thought that all seniors are vulnerable. Yes there are some that never thought about what the senior years would bring in terms of finances and health issues.

Helping and suggesting seem to me to be ignored. Once a long time ago on another senior site a young person posted pretending to be a senior just to see what kind of response there would be. The conflicting posts remind me of that time.
Click to expand...
Hello, you do understand what seniors are going through. I was the one Apple cruncher was saying those things too. I was at a lost of why she was saying the things she was saying? I did come on this website to get suggestions and give some too, a lot of us are in the same boat...she seemed to be so critical and dismissive of what I was saying. That why I stopped replying to Apple. It was counter productive. So thanks for getting it and support. I think for the most part that's what we need is Support.
 
Knight said:
Apple Cruncher I think this poster posts to many conflicting statements. Trying to help another senior in a forum like this is a nice feature of having other seniors to bounce ideas and ask questions. But the threads started all seem to reflect the thought that all seniors are vulnerable. Yes there are some that never thought about what the senior years would bring in terms of finances and health issues.

Helping and suggesting seem to me to be ignored. Once a long time ago on another senior site a young person posted pretending to be a senior just to see what kind of response there would be. The conflicting posts remind me of that time.
Click to expand...

Um hmmmm. And offering to pay 6 months rent in advance would suggest not being exactly desperate. Indeed, several things seem 'off' about the various stories.
 
Smiling Jane said:
We all have our own skillsets. Not all of us are gifted with language skills, or the ability to clarify our experience.
Click to expand...


3 differant threads with the same lack of what skills are saleable, and other conflicting posts make trying to be helpfu difficult. Others have made some really great suggestions that have been totally ignored in favor of the point that seniors have a tough time when applying for a job.


I don't think anyone can dispute the idea that when hiring a senior the employer will be more critical. Depending on what the job is, the more critical. A greeter at Walmart or a licensed, physically capable home care person would be an example. Or depending on where the person lived the wage of an A & P mechanic and a counter person at McDonalds. Many variables in hiring


I feel sorry for anyone senior or young person that lacks a skill that can qualify them for a high wage and benefits. That as a norm in America is not new, otherwise there would not be as many social programs to help the poor.


I'm not lacking compassion or sympathy I'm more detail oriented and details like actual age, list of skills, whether or not retired and drawing Soc. Sec. or SSI are physical issues like overweight, poor eyesight, hearing loss, things that an employer would be assessing are not as best as I can determine in any of the 3 threads.
 
I get that you're looking for finite answers that are not forthcoming.

There are some employers who like to hire senior employees and/or people with limitations. Reading the AARP info, it seems a person has to be able to do some self-assessment. I know there are city, county, state and federal agencies who are there to help, but they aren't going to go out seeking new referrals; people have to go to them and ask for help.

Frustrating, I know.
 

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