Community Chat

[LilacTree]

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[LilacTree]

On 1/6/2014 pitdakota said:

On 1/6/2014 Ford1224 said:

On 1/5/2014 terrier2 said:

I so happy you were able to use your years of expertise working with companies to press your own case.

I feel badly for people not as savvy and tenacious as you are!

After getting pretty beat up a few years after my divorce as a single working mother with four children, I learned I had to become relentless when I needed to. It didn't make me popular, but it allowed us to survive.

Society still wanted women to be fragile and feminine in those days, to sit back and wait to be rescued. I was a departure from that, and my girls learned to be independent and strong because they watched me. The friends I did have called me "feisty."

Thank you Sharke and Terrier for being happy for me.

Ford, I am also very happy to read this. Good for you!

And ITA about learning to be tenacious. Years ago when DH and I bought our house I went to purchase a washer & dryer. I opted at the time to do what was then very popular....the 90 days same as cash option. I had the cash, but decided to spread the payments out over 90 days. The very day before the washer/dryer was scheduled to be delivered they called me and told me they couldn't deliver them until DH came into to cosign the papers. I was working as a nurse, had a full time job....say what? I told them to stuff it. I promptly went someplace else and purchased a washer/dryer without any problems. Needless to say, I never took my business back to that company again.

LOL, pitdakota!! [We could make a whole separate thread out of stories like this!]

[kdgn]

Ford- I honestly think my mom was one of the earliest women's libbers around, a frustrated one but one none the less. I inherited the stubborn, independent streak from her, the patience from my father. I figure if I can outlast 30 five year olds I can deal with just about anything. Car salesmen still, to this day, look at me oddly when I'm shopping for a car. Most of the time they are looking for my husband to show up. Big mistake. I bring him along after I've made my decision.....

[LilacTree]

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[LilacTree]

On 1/6/2014 kdgn said:

Ford- I honestly think my mom was one of the earliest women's libbers around, a frustrated one but one none the less. I inherited the stubborn, independent streak from her, the patience from my father. I figure if I can outlast 30 five year olds I can deal with just about anything. Car salesmen still, to this day, look at me oddly when I'm shopping for a car. Most of the time they are looking for my husband to show up. Big mistake. I bring him along after I've made my decision.....

This must tickle your husband, kdgn. I think many men admire strong women, especially if they, themselves, are confident in their masculinity and place in the relationship.

[Cha1k]

On 12/20/2013 glb613 said:

I've told people for years, LTC insurance isn't worth the paper it's written on. You would have been better off investing the money yourself.

Not in my mother's case. She paid premiums on a LTC policy for 11 years -- $1,000 per year -- total paid out $11,000.

Since she has been in assisted living or nursing home, her LTC policy has paid, of this month $171,000 for her care. It doesn't cover 100% of the cost but with her retirement check and SS the cost of her care/medicine is covered each month.

As a result of her experience and the fact that Alzheimers runs in my family, I have carried LTC coverage for 13 years and do not regret one penny of the amount I've paid.

[sophiamarie]

On 1/6/2014 kdgn said:

Ford- I honestly think my mom was one of the earliest women's libbers around, a frustrated one but one none the less. I inherited the stubborn, independent streak from her, the patience from my father. I figure if I can outlast 30 five year olds I can deal with just about anything. Car salesmen still, to this day, look at me oddly when I'm shopping for a car. Most of the time they are looking for my husband to show up. Big mistake. I bring him along after I've made my decision.....

So you're saying that your husband has no input in what kind of car you buy? It's not a joint decision? I know there are lots of single women who buy cars - so why would a car salesman look at you "oddly" anyway? How would they know whether or not you're married? Why would they even care?

[LilacTree]

On 1/7/2014 Cha1k said:

On 12/20/2013 glb613 said:

I've told people for years, LTC insurance isn't worth the paper it's written on. You would have been better off investing the money yourself.

Not in my mother's case. She paid premiums on a LTC policy for 11 years -- $1,000 per year -- total paid out $11,000.

Since she has been in assisted living or nursing home, her LTC policy has paid, of this month $171,000 for her care. It doesn't cover 100% of the cost but with her retirement check and SS the cost of her care/medicine is covered each month.

As a result of her experience and the fact that Alzheimers runs in my family, I have carried LTC coverage for 13 years and do not regret one penny of the amount I've paid.

Not in my case either. I never had extra money around to "invest." I paid the premiums and now I'm getting benefits. What I am to receive in the next month and a half is already half of the premiums I paid for almost 20 years. I will now be doubling my monthly income, and finally able to pay the cost of my medical and home care, and still pay my regular bills. No more having to borrow money from my kids, which is the most important thing to me, plus I can now pay them back for all they have done for me.

So I don't regret it either, not one bit.

[serenity4ever]

On 1/7/2014 Ford1224 said:

On 1/7/2014 Cha1k said:

On 12/20/2013 glb613 said:

I've told people for years, LTC insurance isn't worth the paper it's written on. You would have been better off investing the money yourself.

Not in my mother's case. She paid premiums on a LTC policy for 11 years -- $1,000 per year -- total paid out $11,000.

Since she has been in assisted living or nursing home, her LTC policy has paid, of this month $171,000 for her care. It doesn't cover 100% of the cost but with her retirement check and SS the cost of her care/medicine is covered each month.

As a result of her experience and the fact that Alzheimers runs in my family, I have carried LTC coverage for 13 years and do not regret one penny of the amount I've paid.

Not in my case either. I never had extra money around to "invest." I paid the premiums and now I'm getting benefits. What I am to receive in the next month and a half is already half of the premiums I paid for almost 20 years. I will now be doubling my monthly income, and finally able to pay the cost of my medical and home care, and still pay my regular bills. No more having to borrow money from my kids, which is the most important thing to me, plus I can now pay them back for all they have done for me.

So I don't regret it either, not one bit.

I just saw this!!! Congratulations and although I know you want to pay your daughters back, I am sure they help you because they love you.....

[LilacTree]

On 1/7/2014 serenity4ever said:

On 1/7/2014 Ford1224 said:

On 1/7/2014 Cha1k said:

On 12/20/2013 glb613 said:

I've told people for years, LTC insurance isn't worth the paper it's written on. You would have been better off investing the money yourself.

Not in my mother's case. She paid premiums on a LTC policy for 11 years -- $1,000 per year -- total paid out $11,000.

Since she has been in assisted living or nursing home, her LTC policy has paid, of this month $171,000 for her care. It doesn't cover 100% of the cost but with her retirement check and SS the cost of her care/medicine is covered each month.

As a result of her experience and the fact that Alzheimers runs in my family, I have carried LTC coverage for 13 years and do not regret one penny of the amount I've paid.

Not in my case either. I never had extra money around to "invest." I paid the premiums and now I'm getting benefits. What I am to receive in the next month and a half is already half of the premiums I paid for almost 20 years. I will now be doubling my monthly income, and finally able to pay the cost of my medical and home care, and still pay my regular bills. No more having to borrow money from my kids, which is the most important thing to me, plus I can now pay them back for all they have done for me.

So I don't regret it either, not one bit.

I just saw this!!! Congratulations and although I know you want to pay your daughters back, I am sure they help you because they love you.....

Yes they do, and they would have been there for me even if I didn't wind up getting these benefits. So why should they not get back what they loaned to me, and why should they not be compensated by the benefits I am getting? It is my decision to handle it this way, they do not want it. If they were well off, different story. But they are not.

Thank you Serenity4ever!!