Lets see I was asked when I could go back to work, hello, to them anyone who is unable to work should not own a home, even if It's cheaper than renting... I was told in a condescending voice that I'd have to be able to meet their minimum requirements and being able to work is one of them... So their TRASH...

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

It's cheaper than renting

Tell the above to someone who had to pay(out of their "own" bank account) for repair to their "owned" home.

Besides, a person does not Own a Home, they only own The Equity(these days with underwater mortgages, there is no equity). The Bank Owns The Home until the last cent is paid on The Loan.

What a person does own-besides The Equity-is every repair bill, the cost of every improvement, the cost of all utilities, the lawsuits against you and "your" property, The Mortgage Payment, the Natural Disasters which happen to The Home. On and On.

Good Luck in Your Quest To "Own" rather than Rent. I Hope it will be Cheaper For You, because it sho ain't fo most.

I am Null and Void and a Darwin Barnacle.

It's cheaper than renting

Tell the above to someone who had to pay(out of their "own" bank account) for repair to their "owned" home.

Besides, a person does not Own a Home, they only own The Equity(these days with underwater mortgages, there is no equity). The Bank Owns The Home until the last cent is paid on The Loan.

What a person does own-besides The Equity-is every repair bill, the cost of every improvement, the cost of all utilities, the lawsuits against you and "your" property, The Mortgage Payment, the Natural Disasters which happen to The Home. On and On.

Good Luck in Your Quest To "Own" rather than Rent. I Hope it will be Cheaper For You, because it sho ain't fo most.

I am Null and Void and a Darwin Barnacle.

Valid points Null.....but do remember one of the good benefits of owning
your own property outright is...you live rent free until the day you die.
This is the main reason why I bought my house plus I paid down my mortgage
early to make it even cheaper for me to buy. In my area, just outside London,
my house would rent out for around £900 to £1000 a month. That's £900 to £1000
I'm not having to pay out each month before I even start to live, all that money is still in my pocket.

HH loans out the money, they require a 1% down payment, the buyer to pay all closing costs and one must be able to work, I told them I was permanently disabled and unable to work and I was asked.

When can You go back to work?

Being disabled and unable to work is not what they want to hear...

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

HH loans out the money, they require a 1% down payment, the buyer to pay all closing costs and one must be able to work, I told them I was permanently disabled and unable to work and I was asked.

When can You go back to work?

Being disabled and unable to work is not what they want to hear...

I totally understand your frustration Vic, it is never satisfying to talk to script-following automatons...

That being said, HH has a pretty narrowly focused mission, and even though I do understand your frustration at the message, it is their right as a private organization to decide how to administer the assistance they provide and who is eligible.

What other avenues are out there for you?

---

"People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf." - Orwell

It's cheaper than renting

Tell the above to someone who had to pay(out of their "own" bank account) for repair to their "owned" home.

Besides, a person does not Own a Home, they only own The Equity(these days with underwater mortgages, there is no equity). The Bank Owns The Home until the last cent is paid on The Loan.

What a person does own-besides The Equity-is every repair bill, the cost of every improvement, the cost of all utilities, the lawsuits against you and "your" property, The Mortgage Payment, the Natural Disasters which happen to The Home. On and On.

Good Luck in Your Quest To "Own" rather than Rent. I Hope it will be Cheaper For You, because it sho ain't fo most.

I am Null and Void and a Darwin Barnacle.

Lets see Rents start for the most part at $550 a month around here, So a mortgage, taxes(1% of the purchase price) and insurance on a $50,000 house is less than rent out here. The owner was forced to accept a lease below His expectations cause a manager He hired wrote a lease contract without His consent, as the lease can not be changed without both parties agreeing, He does know I'm disabled He said He was friendly to people down on their luck, but near renewal time, He may ask for more than I'm comfortable with leaving Me with no where to go, beyond the street, furniture, Grace and all. My Sister in law said I'm not welcome as to Her I'm a stranger, Her grown children are welcome anytime, I'm only welcome when their there, Even My late Brother was welcome, But He had a house She could sell and divide between the 3, My Nephew said She'd tried to exclude Me from the will She was writing for My Brother, My Brother would not sign unless I was included. So what do I do?

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

So what do I do?

Cut back on Expenditures. And Pay whatever extra they are asking/demanding-have a right to expect as Property Owners(if note paid for).

So many People do. Disabled or not.

So what do I do?

Cut back on Expenditures. And Pay whatever extra they are asking/demanding-have a right to expect as Property Owners(if note paid for).

So many People do. Disabled or not.

It's a touchy situation is this!...Null.
If Vic was a lazy son-of-a-gun and so refused to work then "cutting back
on expenditures" would be a fair comment. But being disabled then I think
Vic should be treated a bit more fairly.

HH loans out the money, they require a 1% down payment, the buyer to pay all closing costs and one must be able to work, I told them I was permanently disabled and unable to work and I was asked.

When can You go back to work?

Being disabled and unable to work is not what they want to hear...

I totally understand your frustration Vic, it is never satisfying to talk to script-following automatons...

That being said, HH has a pretty narrowly focused mission, and even though I do understand your frustration at the message, it is their right as a private organization to decide how to administer the assistance they provide and who is eligible.

What other avenues are out there for you?

So far only the USDA section 502 Direct Mortgage program(I was told I qualify for $60,000.00 as I'd applied for It in 2010 and for which they still had no money to loan cause of a CR), which is not funded for FY2012 yet, H.R.2112 is now in the hands of the US Senate and they've only held committee hearings so far, no reports, no committee votes or Senate votes or conference votes, etc as is mentioned Here or Here, last Year It was a CR or Continuing Resolution meant only to keep the USDA alive, No Mortgage money to lend. H.R.2112 calls for about $846 million for the Direct Mortgage program, President Obama wanted about $211 million, down about $1 billion from 2010 proposed expenditures. Otherwise I have no other avenues, just a street.

I was told by the SSA once that If I was moved into a house and owned It, It would then not matter where the money had come from, If It wasn't loaned that is.

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

So what do I do?

Cut back on Expenditures. And Pay whatever extra they are asking/demanding-have a right to expect as Property Owners(if note paid for).

So many People do. Disabled or not.

Already did that, I get $830.40 a month,

Lets see here's My approximate amount of where My check goes:

410.95 Rent(320), Water Service(15), Utilities(Elec $56.41; Gas $15.49)
 42.99 Verizon Wireless(Phone, copper is not reliable out here anymore as Verizon does not do maintenance on copper phone lines)
 22.83 DSL Extreme
  0.00 GMAC Car Insurance(18.40*5 months(>>>not Sept or Mar<<<))
 21.32 Gas 5.87 gallons @ $3.63 a gallon(8/16/2011 price)
 82.65 Food
  0.00 car wash(9.99) & hair cut(12)
249.66 8-purchases(89.66[misc]+53.00[Smog]+107.00[DMV-Sept])
---------------------
830.40

So where do I cut? My throat is bare, It's all that's left...

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

It's a touchy situation is this!...Null.
If Vic was a lazy son-of-a-gun and so refused to work then "cutting back
on expenditures" would be a fair comment. But being disabled then I think
Vic should be treated a bit more fairly.

Vic I'm sorry but when I constantly see you are trying to buy more hardware when that $ could be socked away in a box, it's extremely difficult for me to be sympathetic.

You say saving is difficult for you---umm..that doesn't wash. I commit to putting a certain amount away a week of my $-I picked a # that is reasonable and I've done it since I was 8 years old and getting a small allowance. Simply do it. I was on SSD for awhile-I know their restrictions and I was able to save even during that time. They don't need to know what is in a box sitting in your bedroom (unless you tell them which is your own fault).

I have also been volunteering with Habitat for Humanity for 10+ years and while their view is narrow in terms of their focus, it is not "ableist" and they are not "trash". They prefer to aim their focus in a certain way and that is their right. Please do not throw insulting terms at them.

Not slamming you-I just know you can do better.

---

It's a touchy situation is this!...Null.
If Vic was a lazy son-of-a-gun and so refused to work then "cutting back
on expenditures" would be a fair comment. But being disabled then I think
Vic should be treated a bit more fairly.

Vic I'm sorry but when I constantly you are trying to buy more hardware when that $ could be socked away in a box in his current home, it's extremely difficult for me to be sympathetic.

You say saving is difficult for you---umm..that doesn't wash. I commit to putting a certain amount away a week of my $-I picked a # that is reasonable and I've done it since I was 8 years old and getting a small allowance. Simply do it. I was on SSD for awhile-I know their restrictions and I was able to save even during that time.

I have also been volunteering with Habitat for Humanity for 10+ years and while their view is narrow in terms of their focus, it is not "ableist" and they are not "trash". They prefer to aim their focus in a certain way and that is their right. Please do not throw insulting terms at them.

Not slamming you-I just know you can do better.

  4.28 1-PowerGrab 10.1 fl. oz. Heavy-Duty Construction Adhesive
  2.12 1-60:25 Caulk Gun-HD109
  4.66 1-10.1 oz. Dynaflex 230 Premium Indoor/Outdoor Sealant
  4.28 1-16 oz. Gaps & Cracks Insulating Foam Sealant-162848
 61.46 3-Honeyville Powdered Dried Whole Eggs, 2.25lb per CAN
 14.44 1-AriZona Sugar Free Lemon Iced Tea Mix(Pack of 4)
 53.00 1-Smog car
107.00 1-DMV Registration
------------------------
249.66 total

This what I spend lately, I'm prepping to save up as much as $1200 for moving and utility deposits and this will take 6 months at $200.00 a month. My food purchases are normally higher, And can be as high as $180 a month, the other bills are pretty much like I've laid out, gas for heating will go up in December by maybe $20-$30 a month. The current rent is not what the owner approved, He'd like $550 a month He said, He also said something else about those down on their luck like Me, I'm hoping for no more flak from Carlos here about the rent, The owner was I'm told not informed by the manager that He hired and fired for stealing $8000 cash(She was here for about 2 months and then departed), sheriffs deputies were called and they interviewed everyone who paid cash I was told by some of My neighbors, I pay by check so I was the last to find out.

Maybe You don't have a problem, I do, the most I've ever saved is $291...

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

You say saving is difficult for you---umm..that doesn't wash. I commit to putting a certain amount away a week of my $-I picked a # that is reasonable and I've done it since I was 8 years old and getting a small allowance. Simply do it. I was on SSD for awhile-I know their restrictions and I was able to save even during that time. They don't need to know what is in a box sitting in your bedroom (unless you tell them which is your own fault).

I have also been volunteering with Habitat for Humanity for 10+ years and while their view is narrow in terms of their focus, it is not "ableist" and they are not "trash". They prefer to aim their focus in a certain way and that is their right. Please do not throw insulting terms at them.

Not slamming you-I just know you can do better

Blurf has worn the "Tee shirt" here so may be able to guide our Vic towards a solution.

title change, happy?

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

title change, happy?

Thank you Vic.

---

Vic I'm sorry but when I constantly see you are trying to buy more hardware when that $ could be socked away in a box, it's extremely difficult for me to be sympathetic.

It's just talk right now, Something for later, maybe. I have some expenses to pay for in October, November and December, I'm hoping to put away $200 a month for the 1st 3 months and maybe $220 for the last 3 months, maybe.

I'd love to buy some new sheets as My current set is worn out, but that would cost Me $40.22 for some Queen sheets and I don't have a mattress pad($42.48), but that will have to wait too.

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

I can think of few things more frustrating than being disabled. It hurts when no matter how much you may want to go to work, you know you can't. I have just spent the whole day on the couch because I stupidly decided to mow all of the grass around here yesterday. The flesh in my ankles is now a bright red with new blood, and the pain in my chest won't go away no matter how much dope I take, or could take. I sympathize with you brother. I am lucky, I made the kind of decisions that allow me to have the ability to pay all the bills, and see to it that my sweetie does not to wear rags. Still I could be doing so much better if I could just get back to the office. There is more to illness than physical pain; there is the knowledge of what could be, and the hard work of not letting all of this get me down. Even though I am sick, I still have my wife, one son and nine grand children loving and depending on me, not forgetting that other important person, me.
I run in to situations all the time that seem made up just to anger me, it makes me mad, but in the end it is me who is sick and I just have to realize that and get on with life. Keep pulling, there is light at the end of the tunnel. You just have to take the time and do the hard work to get there.
The one bit of advice I would give; that is no matter what it takes, try to get your own house, in the end it pays big time.

Vic I'm sorry but when I constantly see you are trying to buy more hardware when that $ could be socked away in a box, it's extremely difficult for me to be sympathetic.

It's just talk right now, Something for later, maybe. I have some expenses to pay for in October, November and December, I'm hoping to put away $200 a month for the 1st 3 months and maybe $220 for the last 3 months, maybe.

I'd love to buy some new sheets as My current set is worn out, but that would cost Me $40.22 for some Queen sheets and I don't have a mattress pad($42.48), but that will have to wait too.

Good on ya' Vic, positive planning, you'll get there in the end.

I can think of few things more frustrating than being disabled. It hurts when no matter how much you may want to go to work, you know you can't. I have just spent the whole day on the couch because I stupidly decided to mow all of the grass around here yesterday. The flesh in my ankles is now a bright red with new blood, and the pain in my chest won't go away no matter how much dope I take, or could take. I sympathize with you brother. I am lucky, I made the kind of decisions that allow me to have the ability to pay all the bills, and see to it that my sweetie does not to wear rags. Still I could be doing so much better if I could just get back to the office. There is more to illness than physical pain; there is the knowledge of what could be, and the hard work of not letting all of this get me down. Even though I am sick, I still have my wife, one son and nine grand children loving and depending on me, not forgetting that other important person, me.
I run in to situations all the time that seem made up just to anger me, it makes me mad, but in the end it is me who is sick and I just have to realize that and get on with life. Keep pulling, there is light at the end of the tunnel. You just have to take the time and do the hard work to get there.
The one bit of advice I would give; that is no matter what it takes, try to get your own house, in the end it pays big time.

Thanks Celt, Yeah Jim(My Brother died in May 2005, emphysema, lung cancer[a spot they said, both lungs nearly gone] and then brain cancer), Yeah I can pay all My bills, as I too made the right decisions, had to really, I could use 2 pairs of jeans(70x29), 14prs socks and 7 new 6XL pullover(polo, not stripped, any color) shirts ones w/real collars and 2 to 4 buttons, but that is on hold too. I'm doing what I can towards that goal Celt, hard. Ankles and hip get painful if I over exert Myself or I overheat down around My waist and get rashes from sweating, so I try and stay cool, 100F+ outside is not conducive to much exertion in My condition, I did snake a spider water tube to get the tube working right once again today. My right knee doesn't like the steps here anymore, I have to climb the steps with My left leg and descend with My right leg first and the left trailing behind and I'd like to be the master of My own future instead of someone elses. I did help someone get their prescriptions recently.

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Vic I'm sorry but when I constantly see you are trying to buy more hardware when that $ could be socked away in a box, it's extremely difficult for me to be sympathetic.

It's just talk right now, Something for later, maybe. I have some expenses to pay for in October, November and December, I'm hoping to put away $200 a month for the 1st 3 months and maybe $220 for the last 3 months, maybe.

I'd love to buy some new sheets as My current set is worn out, but that would cost Me $40.22 for some Queen sheets and I don't have a mattress pad($42.48), but that will have to wait too.

Good on ya' Vic, positive planning, you'll get there in the end.

Well planning comes easy, execution is where I'm weakest.

---

The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's