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Author: tconi Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 311073  
Subject: Re: Big Dilemma, no income, debt, IRA- need fact Date: 6/27/2012 6:36 AM
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Not only that, but they go by your gross, not AGI. Very unfair.

There has to be a line drawn somewhere - as someone who is also self employed, I understand your situation, I am self employed and have a ton of work travel, my gross is sometimes nearly twice my AGI.

But most good Social Services people know what to do in a situation like yours- example:
using 90 days of bank statements for qualification (showing no deposits) and including your current surgery as a an obstacle to current employment.

Now that it is midsummer, you may not be thinking about it, but start asking at your local Social Services office for what is required to qualify for heating assistance for winter.
Check with your power company and see if they offer a *payment matching* program for low/no income individuals.

Also- have you looked to your local food pantry/food bank?
The one at which I volunteer (in my small NE Town) does not require any qualification - one just has to show up.
Even if it is associated with a church (many are), being part of the congregation is seldom a requirement.
Or even volunteer to put cans on shelves occasionally, which you could do one handed, just slow. Many of the volunteers at mine are also clients, and it can be a good way to find out about other programs of which you may not be aware.

peace & maybe not much help
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