des1954
DIS Veteran
- Joined
- Aug 10, 2007
- Messages
- 7,329
It's happening again and there is nothing I can do about it!!!
In June, my husband started yet another job. It's a commission sales job with a draw. The draw is (or should I say was) livable, and the commissions are fair. He won't get rich .... but it's an honest living selling homes in a 55+ community. His paycheck this week was HALF of what it should be. He called his boss yesterday and was told he hit the cap allowance of his draw. HE WAS NEVER TOLD THERE WAS A CAP ALLOWANCE!!!
How can I be sure he wasn't told? A good friend of Rick's (also in 55+ community sales) was recently hired by the same company - different development - and I called him without Rick's knowledge to ask if anything about a "draw cap" was mentioned to him when he was hired. He was shocked to hear about this - and, no, nothing was said to him. I may have opened a can of worms because our friend is going to have a "show down" with the manager about this one little detail that was omitted.
I don't think I can take any more of this crap! Of course, Rick hit the job boards on the internet - AGAIN - and as usual, there is nothing out there. He's physically limited due to severe arthritis in his knees - so he can't do anything that will require a lot of standing.
To add to this, I checked into the possibility of Rick qualifying for SS disability, and guess what??? He's made too much money this year. He will always make too much money because we draw a stipend from our IRA, monthly. It is not based solely on the disability, but the disability coupled with how much money you make.
Naturally, I went into panic mode and started screaming like a banshee - which makes nothing any better.
We're going to have to do what I don't want to do - but have no other choice in order to give me peace of mind. We are calling the company that manages our IRA and increasing our stipend to cover monthly what Rick will no longer be getting. I should feel thankful that we have that, but, S**T!!! If I live past 70 years old, I will most likely be a pauper by then. We worked hard all our lives, dilligently saved and invested for retirement, only to have the rug pulled out at the time of our lives we cannot re-build our investments.
We've decided that Rick will continue to job search - and in the meantime - any commissions he makes will be solely devoted to paying off the house and the motor home - in that order. Hopefully, retirement home sales will pick up and we can get to the point where I don't live with this crappy knot in my stomach all the time. I'm ready to just say "F" it, and default on the MH & let the bank have it - but I could not live with myself if I actually did that. It wouldn't do any good - because like most of us with RV payments, we're upside down on the loan. I'm just at my wit's end and don't know how much more of this I can take!!!!
Sorry for venting....but I consider you folks my family and needed to get this out of my system. Thanks for listening.
In June, my husband started yet another job. It's a commission sales job with a draw. The draw is (or should I say was) livable, and the commissions are fair. He won't get rich .... but it's an honest living selling homes in a 55+ community. His paycheck this week was HALF of what it should be. He called his boss yesterday and was told he hit the cap allowance of his draw. HE WAS NEVER TOLD THERE WAS A CAP ALLOWANCE!!!
How can I be sure he wasn't told? A good friend of Rick's (also in 55+ community sales) was recently hired by the same company - different development - and I called him without Rick's knowledge to ask if anything about a "draw cap" was mentioned to him when he was hired. He was shocked to hear about this - and, no, nothing was said to him. I may have opened a can of worms because our friend is going to have a "show down" with the manager about this one little detail that was omitted.
I don't think I can take any more of this crap! Of course, Rick hit the job boards on the internet - AGAIN - and as usual, there is nothing out there. He's physically limited due to severe arthritis in his knees - so he can't do anything that will require a lot of standing.
To add to this, I checked into the possibility of Rick qualifying for SS disability, and guess what??? He's made too much money this year. He will always make too much money because we draw a stipend from our IRA, monthly. It is not based solely on the disability, but the disability coupled with how much money you make.
Naturally, I went into panic mode and started screaming like a banshee - which makes nothing any better.
We're going to have to do what I don't want to do - but have no other choice in order to give me peace of mind. We are calling the company that manages our IRA and increasing our stipend to cover monthly what Rick will no longer be getting. I should feel thankful that we have that, but, S**T!!! If I live past 70 years old, I will most likely be a pauper by then. We worked hard all our lives, dilligently saved and invested for retirement, only to have the rug pulled out at the time of our lives we cannot re-build our investments.
We've decided that Rick will continue to job search - and in the meantime - any commissions he makes will be solely devoted to paying off the house and the motor home - in that order. Hopefully, retirement home sales will pick up and we can get to the point where I don't live with this crappy knot in my stomach all the time. I'm ready to just say "F" it, and default on the MH & let the bank have it - but I could not live with myself if I actually did that. It wouldn't do any good - because like most of us with RV payments, we're upside down on the loan. I'm just at my wit's end and don't know how much more of this I can take!!!!
Sorry for venting....but I consider you folks my family and needed to get this out of my system. Thanks for listening.
to you Deb. There is just no easy way these days to make it day to day. Something is always happening to put a wrench into it. Trust me I live it everyday. We will just hope and pray that things turn around for all of us.
Anyhoo I think thangs will change snowbirds are heading your way so there be jobs. 
