Artie and his Issues

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inkysmom

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Any medical doctor even your pcp, or social worker or psychiatrist can write you a letter to make artie your emotional support animal. No charge if they're already your doctor. And a doctor's letter makes any housing in the country required to take an emotional support animal free, no pet charges. It's a federal law.
As for this financial law, many lawyers offer free phone consults. If you didn't fully understand something you signed or agreed to, you could at least talk to a couple of attorneys for free on the phone and see what they advise.
And you can color or at least highlight your hair at home for a lot less money. My best friends do it, both red or blond depending on their moods lol, and it looks great.
 

inkysmom

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Or if this financial guy is supposed to be working for you, and gave you bad advice, tell him that you've realized that this is bad advice and going to make you homeless and you want to change your mind and undo whatever you signed. Advocate for yourself and threaten to report him to the Better Business bureau if he doesn't back down. If you have any disabilities tell him that. He can get in a lot of legal trouble for swindling or taking advantage of a disabled person. Fight fire with fire.
 

foxxycat

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I would call the attorney general or whoever is in charge of consumer issues. Report this fool. BBB too. Yelp. Get ahold of legal aid for seniors.. probably can get some kind of help as seniors are often preyed on- hoping they can help you...

yes you can color your own hair for $7 every 2 months. Supercuts has cuts for $10=just wash it at home and go with hair wet. If you are lookin for housing- generally away from major cities is cheaper.. Nice thing with internet is we can research those areas to see if it's a safe place to live... Now adays with netflix etc you won't need cable. There's so many alternatives. youtube etc. in fact I get faster service on my cell phone from walmart than my dsl in my house. It will be ok...
 

foxxycat

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Or if this financial guy is supposed to be working for you, and gave you bad advice, tell him that you've realized that this is bad advice and going to make you homeless and you want to change your mind and undo whatever you signed. Advocate for yourself and threaten to report him to the Better Business bureau if he doesn't back down. If you have any disabilities tell him that. He can get in a lot of legal trouble for swindling or taking advantage of a disabled person. Fight fire with fire.
1000% AGREEEE

FIGHT BACK SISTER!!! Besides tears helps...men can't stand our crying...that scares them more than anything... Just fact that you are senior is enough to get him in trouble.

Make a Youtube video of the situation with yourself in your car and post it. Use tags in the title- Senior tricked by financial adviser etc etc etc - or Facebook it but youtube may get wider audience.
 

maggiedemi

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Another solution is to get a roommate. That's what I did in the past. It's hard at times, because you have to share your kitchen and living room, and you have to deal with their friends coming over. But all bills are cut in half. I would look for another cat lover though because I would worry about them not being careful with doors and Artie escaping. If you have family, they make a little bit better roommates. I did live alone in a studio apartment once. It was affordable, but really small, almost like a hotel room with a kitchen. But it was nice living alone.
 

neely

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We're here for you, and we'll do everything we can think of to help out.
Ditto, you have friends here in every corner of the world and we care about Artie and you.:hugs: Please don't feel like you're imposing, anything we can do to help or lend support is just a pm away.

I'm not familiar with the Boston area but know there are senior low cost/low income living apartments in all major cities. For example: Discover Low Income-Affordable in Boston MA and nearby served areas | Senior Housing
 

artiemom

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Thanks but I really do not think anyone can help me legally.. I signed, I did a verbal agreement on the phone.. He did ask me several times if I agreed to these changes. I did agree.. It was not under duress.. He was doing his job ~~ looking out for money.. not for my total future.. he was looking at preserving capital, and not into my needs...and how "I" was trying to preserve things, as they were.. he was into gaining...

It comes down to my judgement... he is not there to handle my future.. that is up to me..he is just there to make sure the principle is there.. and his commission..

On the whole, I do not think he did anything wrong, for a normal person.. i do think he did too much.. but I allowed him to.. without fulling knowing exactly how much money this was going to cost me to change things around....

stupid me..He did mention the issues with changing things over.. but, stupid me, I forgot all about my short term plans.. My mind was thinking as if I was still working..had these old thoughts in my mind.. yes, listen to him.. he is making sense..

I lost sight of the most possible worst ramifications.. all the stuff I did not want to think about..

It was not an independent financial advisor.. It was one who is in a bank.. He is a vice president of financial stuff.. It would take a miracle to accomplish anything..

All of this money I had was for my future.... not to be used now.... I know these steps were done to preserve it for the future..for a normal person.. but I am not in a normal situation.. .....

I am seeing my account, on the 16th. I will see what she says... that is all I can do for now...

If I am going to really complain, and see a lawyer, or anyone else, I have to know exactly what is going on... I need to have the facts...
 

tarasgirl06

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Thanks but I really do not think anyone can help me legally.. I signed, I did a verbal agreement on the phone.. He did ask me several times if I agreed to these changes. I did agree.. It was not under duress.. He was doing his job ~~ looking out for money.. not for my total future.. he was looking at preserving capital, and not into my needs...and how "I" was trying to preserve things, as they were.. he was into gaining...

It comes down to my judgement... he is not there to handle my future.. that is up to me..he is just there to make sure the principle is there.. and his commission..

On the whole, I do not think he did anything wrong, for a normal person.. i do think he did too much.. but I allowed him to.. without fulling knowing exactly how much money this was going to cost me to change things around....

stupid me..He did mention the issues with changing things over.. but, stupid me, I forgot all about my short term plans.. My mind was thinking as if I was still working..had these old thoughts in my mind.. yes, listen to him.. he is making sense..

I lost sight of the most possible worst ramifications.. all the stuff I did not want to think about..

It was not an independent financial advisor.. It was one who is in a bank.. He is a vice president of financial stuff.. It would take a miracle to accomplish anything..

All of this money I had was for my future.... not to be used now.... I know these steps were done to preserve it for the future..for a normal person.. but I am not in a normal situation.. .....

I am seeing my account, on the 16th. I will see what she says... that is all I can do for now...

If I am going to really complain, and see a lawyer, or anyone else, I have to know exactly what is going on... I need to have the facts...
Yes, you DO need to have (and I'd write down) the facts. Good idea to speak with your accountant if that is someone you trust.
It's important when you have a financial advisor to very clearly state your long-term and short-term goals and needs, and make sure the one you hire is of the same mind as you i.e. financially conservative if you're talking long-term saving and capital appreciation. Other people I've known have gone with ones who want to take a lot of risks for short-term gain, and they lose their shirts. There truly is no free lunch and you truly don't get something for nothing. Uber-wealthy people can afford to gamble. The vast majority of people cannot. If you have enough that you can afford to take higher risks with a portion of your portfolio, great, if you're prepared to deal with the possible losses. Otherwise, go for long-term growth and lower risk. And yes, before any change is agreed to, always ask what the charges/fees are, going in and going out. Also know what you're paying your Financial Advisor. Of course (s)he is compensated, as well (s)he should be, having the expertise and education (s)he has. Check their education and credentials out before hiring one, as well. Anyone who is not transparent about that should not be dealt with.
Actually, I think the suggestions other posters have are well worth checking into, Cindy. If there are people you can talk to for free you may find you DO have a course of action you can pursue. It's worth asking about.
And I would definitely get Artie accredited as your Emotional Support Animal right away -- that's such a great suggestion.
 

Mamanyt1953

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Any medical doctor even your pcp, or social worker or psychiatrist can write you a letter to make artie your emotional support animal. No charge if they're already your doctor. And a doctor's letter makes any housing in the country required to take an emotional support animal free, no pet charges. It's a federal law.
As for this financial law, many lawyers offer free phone consults. If you didn't fully understand something you signed or agreed to, you could at least talk to a couple of attorneys for free on the phone and see what they advise.
Absolutely! And don't discount a lawyer being able to assist you. It won't hurt a thing to ask. Also check your local Legal Aid Society. That's what they are there for, and especially to help older people with situations like this!
 

2Cats4everLoved

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In the words of Emma Gonzalez, I Call BS.

The financial advisor wasn't looking into your best interest.

You may have a case. Find out all the facts don't take 100 percent responsibility, this falls on him too.

Don't feel so guilty, you were lead down a dark path. If he was a halfway decent financial advisor, he would have asked all the right questions from the start to make sure you'd be set Now and for Future.

All I can add at this point is, write down all the questions you have for accountant before you see him/her, and call around and get some free advice from lawyers. They're in the same bucket, let them duke it out. You do have a case.

As for tv. I cut the cord last summer and now I watch everything for free. I do still pay for internet, but that's it. All you need is chromecast or roko.

I feel strongly things will work out.

Big hugs.

When talking to these butt heads, feel free to channel my NYC attitude.

Be strong, be aggressive and things will work out.

Talk to your landlord, you've been there for a long time, perhaps things can be worked out. Don't feel pressured.
 

dustydiamond1

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Yes, I got snookered in by a financial guy who had an agenda.. do not know why I trusted him, this year.. I never did in the past.. I was told by several people, one a shrink, that I need to truly trust the people I have picked out as my 'Professionals' and not question what they do/suggest...

I had been dealing with this financial guy for several years. I was always careful..this year, I was not.. I trusted.. I believed all the good things I heard about him... but, he had his own agenda, which was not in sync with mine. In January, he said he 'knew' what my plan was.. but this week, he said he was not aware... maddening.. too late to do anything.. I signed, I agreed-- with a sick stomach feeling.. and I got screwed...

Against my better judgement, I did just that.. absolutely forgetting what my main focus was this year, how all the proposed changes would seriously effect me..
Now, I am going to pay all the penalties; beginning next year.. this year is for trying to cut back a bit, to save a tiny bit.. Just cut my cable bill, by $10..savings of 120

My hair, (luxury) will have to grow out into gray.. I cannot afford to color it, anymore..
Cut, yes, color-no... that will save me 850 per year.

Now, I am planning on pretty much being penniless in a couple years.. I have to move..
Emotionally, I am not equipped to so within the next 6 weeks--when my lease is up. I the a ton of purging to do.. and to find a clean cheap place~~ well, it will not be in this
zipcode.. I have no idea where that will be..

Thinking I may end up with a studio, basement apartment, or a first floor.. until I spend down all my income, and have to live in my car...
Then I can go on welfare... and probably a homeless shelter...

Notice, how Artie is not in this .... I will not be able to afford his care.. I will do my best to try.. but... I am so scared.. scared, depressed....
:grouphug::grouphug2::vibes::vibes::vibes::vibes::hearthrob::redheartpump::lovecat2:
 

artiemom

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Artie is my night guardian cat... again, he was right up against me when I turned in bed. I do not remember when he came in to join me, but I did wake up to a nice warm body smooshed against my side/belly. I turned, he walked away, but came back. He tried to wake me up, very early. I resisted. We cuddled for a few minutes.. He was purring away.. so loud.

I finally got up, he was waiting for me. We walked out of the bedroom, he looked at his litter box, walked into his room. I scooped the box. We played chased for a couple short minutes; then he went into his box to poop. It was a 5 x 1/2 inch linked together with fur.
Then we played chase, again.. with me finally snatching him from my bathroom sink, in order to give him his morning meds...

Now time has passed.. it is time for his food.. He is not crazy about this one.. but...
He is waiting in the kitchen for it.
 

tarasgirl06

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Artie is my night guardian cat... again, he was right up against me when I turned in bed. I do not remember when he came in to join me, but I did wake up to a nice warm body smooshed against my side/belly. I turned, he walked away, but came back. He tried to wake me up, very early. I resisted. We cuddled for a few minutes.. He was purring away.. so loud.

I finally got up, he was waiting for me. We walked out of the bedroom, he looked at his litter box, walked into his room. I scooped the box. We played chased for a couple short minutes; then he went into his box to poop. It was a 5 x 1/2 inch linked together with fur.
Then we played chase, again.. with me finally snatching him from my bathroom sink, in order to give him his morning meds...

Now time has passed.. it is time for his food.. He is not crazy about this one.. but...
He is waiting in the kitchen for it.
Sounds like you both are having a pretty good day. May that continue! You know what they say about "one day at a time". The posts I've read after my last one are great and hopefully they'll be helpful to you in proceeding with your battle plan. Keep sight of what's most important and in your case, also WHO's most important -- you, and Artie! ;):redcat:
 

verna davies

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I haven't been on the site much the past 10 days so just catching up. Cindy I'm so sorry you are having such a tough time, you have enough stress looking after Artie, you certainly dont need any more.
The system in the UK for free legal advice is different from the US so I am no use to you but see what is available and take it all. The more infor you can gather the better. You have proved how strong you are so go give them what they deserve.
It sounds as if today you and Artie are having a good start to the day..
.enjoy.
 

Mamanyt1953

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Read what 2Cats4everLoved 2Cats4everLoved said. Read it again. Now, read it ONE MORE TIME! I concur. I think you may well have a case. It is more than worth looking into. Go take a hot shower, or soak in a hot tub. Relax. Let your mind drift for a little while. It will all still be there to pick up when you have recharged your batteries a bit.

LOL, at least Artie doesn't want to take baths with you. When the boys were growing up, we had a tomcat who did. I can't express how difficult it is to relax in a bubble bath with 14 pounds of wet, purring tomcat sprawled on your chest!
 

tarasgirl06

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Read what 2Cats4everLoved 2Cats4everLoved said. Read it again. Now, read it ONE MORE TIME! I concur. I think you may well have a case. It is more than worth looking into. Go take a hot shower, or soak in a hot tub. Relax. Let your mind drift for a little while. It will all still be there to pick up when you have recharged your batteries a bit.

LOL, at least Artie doesn't want to take baths with you. When the boys were growing up, we had a tomcat who did. I can't express how difficult it is to relax in a bubble bath with 14 pounds of wet, purring tomcat sprawled on your chest!
That's so funny! One time our beloved angel Samuda wanted to join me, not thinking, apparently, of what was in the tub with me. He jumped in and shot out so fast, I had to dry myself hurriedly and chase him down to towel him off. He never did THAT again.
 

artiemom

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Yesterday was a day without hot water!!! OMG...
I went to wash the dishes.. waited for hot water... none came!! As I had a good amount of dishes in the sink, I had to wash them in cold water...and I had to heat up Artie's Sub-q's...
The sub-q's were done old fashioned way.. heat up a pan of water on the stove...
Gave that to Artie, kept the water to brush my teeth and a quick wash up of me, rinsing facecloth in cold water, to get soap off.... BRRRRRrrrrr..

Called super.. said he would have to check it out.. plumber scheduled to be here Wednesday; but Property manager would be in today.

I was not staying around. i went to Noon Mass. Got a call from Manager, just as mass began.. Plumbers helper would be there in an hour to replace water heater.. so glad it did not crack/leak..
They are slowly replacing all the water tanks in the building.. so they have some on hand..

Took several hours for him to install.. and another couple of hours for hot water..

Artie was so good through it all.. just stayed there, on his quilt, watching the guy go back and forth..

When the guy was almost done, Artie decided to investigate.. but from a distance..
I was exhausted...

After guy left, I had to wash down the tile--- he also found a leak from the installation of the washing machine, and the valve was leaking.. He replaced all of it.. the floor was a mess.

After washing floor down with lysol cleaner, Artie went over to investigate.
I told him: "NO, BOO Boo" He left

After I rinsed off the cleaner, and wiped it down, He went over again.. again, I said:
"NO, Boo Boo"... he walked away muttering..

He did not try to return to the area, until several hours later.. after it was dry, and I put a couple of scatter rugs over there..

I was exhausted.. mentally, physically.. I could not wait for the hot water.. good think I had a couple of slices of pizza, in the refrigerator..

Finally, I was able to take a nice hot shower, at 6pm.. dozed on recliner between 7-8pm, Artie ignored me!!! I think he was pouting..

Went to bed after 10pm, up at 4:45am... Artie was sleeping with me, but left before I woke up..

He greets me when I get up...

No poop today.. he pooped twice yesterday.. lots of fur in his poop....
 
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