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erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 631

8 Magic Points

Mon Aug 25, 2008 11:40 am

That stinks, they did not have any light duty for you either? What will you do? Are you going to see if they will retrain you into something that you can do and works with the ability of your arm? I would definately look into this retraining as part of your settlement offer.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Mon Aug 25, 2008 11:52 am

Yes it really stinks. I had soo much to do this year. Theywere trying to get rid of the highest paid workers because the company had an extremely bad year last year and this year isn't going well because of the manangement so three of us was let go. All the top paid employees.
I though about retraining ERB but my med bills are through the roof without adding the 4-6 week $1200 on top of them. That is the cost my insurance co. bills to the settlement evertime I get treatments at the hospitol. I REALLY have to have them or I lose almost all use of that arm. With treatment I can use it somewhat. It is hard to explain. Lets just say even with treatment if I don't watch how much I do or how long I will suffer for days. Typical day is frustrating to say the least. No amount could make me wish this didn't happen.
If I tack on retraining and the girl didn't jave alot of coverage they could take the money and pay atty first, pay med. second and then cost of retraining...See where I am going. I may as well just take the m oney and put it where I need it instead of letting them do it for me.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 631

8 Magic Points

Mon Aug 25, 2008 11:59 am

Do you have any idea where they are as far as settling with you at this point, did they give you any indication as to when and how much? Do you know the other persons limits at this point? I hope all works out for you and you get enough not to worry for a while. keep us updated, goodluck.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Mon Aug 25, 2008 12:27 pm

No idea. About a week ago they said they put my file on the atty desk to go over. Who knows if they even looked at it yet. They say even once it is sent out to the other place it could be anopther 60 days. Cutting close to my credit card 0% interest end date...

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Mon Aug 25, 2008 11:12 pm

hopefully they will get off their butts and move on it and you can get your credit card payed in time. goodluck, hope it all works out.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Tue Aug 26, 2008 1:10 am

Say a prayer for me cause something tells me I am going to be cutting it close. I thinkl we may have to resort to plan B. The hubby and I was just talking about it. If it gets too close to the interest date we are just gonna run down to S&T bank and take out a personal loan. At least it will be a lot lower interest and the back interest won't be tacked on.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Tue Aug 26, 2008 1:20 am

There you go, that would be a smart idea, then you can pay the loan off when you get the money, goodluck, I hope your money comes through before you have to do that, I will keep my fingers crossed for you.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Tue Aug 26, 2008 1:27 am

Yes cause it was also no payments even though we were making $50 a month. I can only imagine what the payment would be on almost $6000 once that payment option isn't there anymore.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Tue Aug 26, 2008 2:35 am

Yeah, it would take forever, you are better off just getting the personal loan and getting away from it and then not using it again, unless you have an emergency.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Tue Aug 26, 2008 8:03 pm

It was an emergency that caused us to have to get it. Right now payments are low but shortly they will be really high. Just don't think the budget could handle another hit. Hopefully it will just get paid off and put away. That is my very first and foremast goal befor anything else. I am (if I can) Paying off all debt and then my med bills that have accumulated in the thousands. I am still responsible for all the 20% and co-pays. Plus I have other med bills from womanly problems and some from a son who was constantly ending up in the ER. Someday......

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Thu Aug 28, 2008 2:55 am

That would make perfect sense since you will not be able to go back to your job, you will want to get the bills out of the way. It will be tempting to go out and spend, but think twice about this, you are going to have to figure out how to replace the yearly income that will be missing since you lost your job. Weather it be retraining into another field or filing for disability benefits, somehow you will have to replace the income to live the standard of living that you are used to. Goodluck fireyone, hope you hear something soon so you can move on with your life.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Thu Aug 28, 2008 11:54 am

That is the first thing I told my hubby...NO NOTHING...until the bills are all paid. I want these cc bills gone. There really is no need for anymore cc bills once those are paid casue it will ease the monthly budget, and there are no future pressing matters that would be worth getting into debt again. Unless of course my luck keeps going the way it is.
After last weeks nightmare of the truck window, car breaking down and hubby getting pulled over...I thought it was over for a while...Nope truck broke down yesterday and left me sitting. It was a engine speed sensor $25 and since I had no way of getting to a shop since it wouldn't move,computer reader $124.00. You know what though I am keeping that reader cause just last week I had to pay $50 to get my cars computer read and if I wouldn't have bought the reader the truck would have been another $50 plus towing. so I think it will pay itself off in the long run.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Mon Sep 01, 2008 1:36 pm

Was it an engine diagnostic reader, guess if you are gonna have it for a while then this would be worth having, that is not a bad price for it. Hope your luck changes here soon. I have to budget in the coal for this year, waiting on a call for a new furnace, I am really hoping that he don't call for another two weeks because I have had to dip into those funds for other purposes, but will have it replaced in about two weeks.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2856

1909 Magic Points

Tue Sep 02, 2008 1:32 am

I know what you mean. I was trying to save myself and things just keep arising. It is a diagnostic reader and I am glad I get it. I just started pricing these new furnaces and wow have they went up in price. I was looking to find soemthing that would pay itself off in time and still will get one if things go right but I jsut couildn't believe the price jump. Seems like everytime you find a way to save a little money someone else figures it out and soon the savings part goes down,

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3138

5336 Magic Points

Tue Sep 02, 2008 1:40 am

I know a new outdoor furnace will cost us right around $5000, but with the price of heating oil it will pay for itself in about three years, and it heats all the water in the house and garage. It puts money back into my budget through lowering the electric bill by about thirty dollars a month, I burn everything so it totally eliminates a garbage bill and the heat itself runs about four hundred a year for coal, so it will be a real good buy. Just hate to see that much money go out all at once. We are getting a rebuilt one for half the price, so right around $2500, it is really a good deal because we know the guy.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

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