Senior Citizen Financial Advisor

I need someone who knows what they are talking about to give
me some financial advice. I am a senior citizen and everything has went to hell in a handbasket. I am not very
well and the stress is more than I can handle. I cannot do
this anymore. I don't need people to look at me like an
idiot because I am in such a mess. It was a whole long list
of things many of which I had no control over. I have many
unusual situations and problems that I need help with. We
should have declared bankruptcy years ago and we could have
straightened this mess out by now but we didn't and now I'm
not sure if it would be the best thing to do for a number of
reasons. But something has to change. Can anyone help me?
I can't afford a financial advisor and I don't know one
that would deal with a mess like this. Where can I go?

Get it all in perspective you obviously need professional advice since you can't tell us what the worst is of this mess your in.
I lost everything. First my ex drug me through bankruptcy then when I got some charge cards things went out of my control, I let my charge cards go and they didn't even come after me. I didn't choose to do this and it almost killed me. I was an outstanding citizen and was so full of pride for my wonderful credit score and on and on.
There must be someone you trust a preacher...someone that you admire their money skills that could give you advice. But until you do. Remember you still have your treasures, your family. I lost my house, my job,my marriage, my car, and was ruining my health. I'm not young I was married over 24 years when this all happened. He hid and stole all our assets in the divorce and left me in a paper box. It helps to remember whether those numbers in your check book are black or red don't let that steal the joy of the things that are most important. If you lose that credit and can't buy anything ever again...let it be. Just remember to prioritize. I had to. A roof over my head came first. It comes down to survival and what it takes. It took a lot to get to this attitude. I stressed over fluff and when it was all gone it was ok. I'm happier today than I ever was and still can't afford a cable connection to the t.v. Good luck I just hope you can get to where you can sleep at night. Prioritize.

2006-05-21 20:59:46 by kskaro46

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i need to know that i will be going to pakistan to take care of my mom,as i am a us citizen.i only get a small check from social security because i retired early by force to lay off in june/2006. so every year i file the tax return and get some money back.
my total income from social security might be $9228 for 2009 and that is all .may be ten twenty dollars for the saving account accumulated interest as far as i remember, for year 2009 i got unemployment benefits it was deposited after deducting the income tax every check i was paid, from feb/2009 to sept/2009.i do not have information the exact amount but if it was total of 5500/- as i have one statements that your total benefits for unemployment's are $5500/-
please only financial advisers or who know well,please help me to to find out,if i can not wait till feb/2009 when all the papers( statements) from banks and social security will be coming may be on feb/20/2010. so how can i know that if i owe or IRS owes for me? i want to go in peace without having a hanging sword on my head. can i file it later when i come back from pakistan? definitely i will have my ticket and passport as a proof about my out and in in formations.
i mean all i need to know how i will know how much i have to pay and how? i have to pay to the gov and later file the income tax return for 2009 in some times in june.
since i file my tax return from the volunteers so they only do the free service in libraries for people like me , from feb to the last week of last filing date in April. in that case private accountant will charge me his fee too.
please i hope some one will assure me that, i will not be penalize for not knowing the facts,just because i do not know how to know exact procedure for income tax return if i never have been in this situation.as i am a female senior and desperately looking the right information to avoid complications.
please do not go through the punctuations or sentences just because i tried my best to explain what i need to know,hoping people will forgive my english grammar mistakes.
thank you.

The same as in the USA except you use Pakistani postage stamps. You can use registered mail to get proof that IRS got it.

2009-12-09 17:28:40 by Feroze R