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Recent Cost of Living questions

I may have to default on my credit card bills due to high

I may have to default on my credit card bills due to high cost of living, prescription, etc., if I have a loan with Springleaf and my car is collateral and I defaulto on that loan, can they take my car. I am 68 yrs. oldJA: The Retirement Accountant will know how to help. Is there anything else important you think the Retirement Accountant should know?Customer: I am not late on any payments yet, but my living situation may change and I just cant afford these high interest debts. But I need my car. I don't want to lose it

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

20,550 satisfied customers
My husband, who is 61, has recently been diagnosed with

My husband, who is 61, has recently been diagnosed with early onset Alzheimer's. He is still currently working, but do not know how long that will last. Not sure whether he should retire or apply for disability.JA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Is there anything else the Retirement Accountant should be aware of?Customer: Online the disability application talks about income, which he has right now.

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

9,916 satisfied customers
I am 78 and started my SS benefits at 70 and it is now

I am 78 and started my SS benefits at 70 and it is now $3,072 mo. My wife was born 1/11/54. Based on my benefit, how much would her benefits be if she started taking SS : (1) 6/1/17 or (2) 3/1/19, Thanks.James R(Bob) Richardson

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

9,916 satisfied customers
I am 72 years old. I have been on social security since 62.

I am 72 years old. I have been on social security since 62. David Lucus said on the radio that you can get addional ss benefits retroactive to the usual retirement age is is possibleJA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Please tell me more, so we can help you best.Customer: My husband has passed away in 09. So I am surviving on the social security bassed up early retirement at 62, is it possible to reevaluate it.JA: Is there anything else important you think the Retirement Accountant should know?Customer: I dont know, I was listening on radio , to the David Lucus segment about social security benefits. He said you can refile after your retirement age and pick up additional monies.

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

20,550 satisfied customers
My notice (SS) indicated a 3% "raise" for 2017. The deposit

My notice (SS) indicated a 3% "raise" for 2017. The deposit on 1/3/17 was exactly the same amount as the 12 previous ones for 2016? WHYJA: What state are you in? It matters because laws vary by location. Has anything been filed or reported?Customer: OregonJA: Anything else you want the lawyer to know before I connect you?Customer: Yes! Is my picture posted in any Post Offices?

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emc011075

Tax advisor and Enrolled Agent

Bachelor's Degree

5,216 satisfied customers
My mother is collecting social security. The last two years

My mother is collecting social security. The last two years her medicare cost have gone up while her SS benefits have been fixed. Her total SS benefits take home reduce because of this. We contacted SS and they told us it is because she did not sign up for Medicare when she was eligible. She retired outside of the US and did not need Medicare since the country had government medical. She is back in the US and now pays a penalty for not selecting Medicare. If they keep raising Medicare premiums then her take home will continue to go down. She is on a fixed income and only takes home $450. Not enough to live on. Can anything be done about this?

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

11,938 satisfied customers
For awhile but i'm suppose to get a small raise, it lost

for awhile but i'm suppose to get a small raiseJA: The Retirement Accountant will know how to help. Please tell me more, so we can help you best.Customer: it lost part of my question...I'm suppose to get a raise ;but the amount shown on my letter is the same as I've abeen gettingJA: Is there anything else the Retirement Accountant should be aware of?Customer: no

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emc011075

Tax advisor and Enrolled Agent

Bachelor's Degree

5,216 satisfied customers
We were told it would be a 3% raise. Please read this and

We were told it would be a 3% raise. Please read this and then reply2016 $1494.90 Add 3% and it would bring 2017 to $1540.78. That would be the 3% promised. Med. Ins. cost in 2016 was $104.00 so I received $1391.00. Now they are showing the amount to be $1500.00 with $109. deducted, bringing me back to $1391.00. That is incorrect. 1540.78 which it should less the $108.00 would make the total I received at $1431.78 or $1432.00 to round off. I hope you understand what I am saying.

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

9,916 satisfied customers
A friend of mine and me both experienced the death of our

A friend of mine and me both experienced the death of our life partner in June and August, 2016. We intend to get married in order to cope with the cost of living in today's world. I would like to know if she will become a co-owner of my house and in the event that I need to go into a nursing home will she be able to keep our home. Will she keep her social security payment that she currently receives as a widow and can we keep our monthly SS checks deposited in separate bank accounts? Also is there a waiting period before I can apply for a nursing home. I have Parkinson's since January, 2000. Thank You,JA: The Retirement Accountant will know how to help. Is there anything else the Retirement Accountant should be aware of?Customer: Not that I know of.

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LawTalk

Attorney at Law

Juris Doctor

35,968 satisfied customers
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