My name is Paula Raymond. I am a elementary teacher in Keller, TX.
I am 64 years old and I am a single.
I am the mother of two grown children who are good citizens, one is married with two children and the other is married and also a teacher.
I have been through many trials and hardships in my life but I have always fought them and some how come out on the other side. I have been able to provide for my family through these hardships as well as for myself.
I am now facing 65 with a Teacher Retirement that will not cover my daily expenses. And I live in a state where I can not draw my Social Security or my passed husbands Social Security. This is something the state of Texas calls a Windfall and so because I am a member of the TRS for teachers, you can’t have both even though you paid both.
Ten years ago I decided to try and get an SBA to open a franchise to maybe build me a second income to continue with teaching.
Well, that was very difficult. I did it and acquired a sandwich franchise. On the day I opened my mother had a stroke. I spent most of my earnings on getting her in home medical help as her teacher’s retirement was not enough to keep help in her home due to her limited ability to help herself.
I am not complaining about my life. I hope you can understand that. I have had joy and happiness in my career. I have a small home that I love dearly. I also have two granddaughters that make my life happy. And most of all my line of work has always sustained me with a sense of accomplishment as I love to guide young people in the best direction of their dreams.
And here comes the but…but I am in debt with the IRS and it is for an accumulation of reasons
But it is time to pay the fiddler and I do not have the money. My greatest fear is losing my 1700 sq ft home. My place of security.
There are several reasons I am in this place and I would be glad to explain them to you. I do not have an alcohol or drug problem and I am in good health for my age.
I just need help. I have been to several specialists in these situations but I find I cannot afford their services.
I am lost. I have no family that can help with such a situation and I have exhausted any and all resources that I can find.
I could sell you my home as a second mortgage for the help as I do not qualify for such programs through my bank and /or mortgage programs.
Seriously, I know the chances of you seeing this email or even being told about it are almost impossible…but that’s where I am, swinging for the impossible…the dream that there may be help out there if I just ask.
If I don’t ask then my answer is inevitably the same.
I have climbed many hills and mountains in my short life and I am proud to say I have always helped others but I need help now.
To save my home and my only true personal belonging, I am asking for help and guidance.
If by any chance you should ever read or even have knowledge of this email I would just ask for your advice and guidance as I try to overcome this financial situation so that I might have a chance at retaining my home.
I know they are things that help larger and more significant problems. I understand that completely and admire it as I read about your concerns and accomplishments. I am hoping though that maybe if we met and you could see a single person, a real person trying to navigate the day to day existence of life…well maybe you could help me keep my simple life in order and give me a second chance at just regaining peace from this financial burden.
Just want to smile and laugh again,
Sent from my iPhone