7am - I am sitting in the Daily Grind Cafe. It's a bit slow this morning. Only myself and Farida the owner/manager are here. Farida arrived in California from Iran, many years ago. Farida is a very nice lady who has a fantastic memory. I ate at Daily Grind Cafe for the first time about a week ago. This morning, Farida recalled where I sat and with whom I chatted!
Before going to the Daily Grind Cafe this morning, at 6:15am I drove Terry to her cleaning job. Terry lives at Guava Gardens. Although Terry has reached 70 years, she continues to work. As we drove to her job this morning, I asked Terry when she planned to retire, she told me, "Oh, I can't retire. I need the money."
Active senior living
Guava Gardens is an active seniors, over 62 years apartment house. Rent here is in the "low-average" range. I am paying $725/month for a studio size place. A one bedroom place at Guava Gardens is $800. Apartments in La Mesa that are in the ordinary rental market, go for $1,300 to $1,800 for a studio to 2-bedroom.
Many of my apartment mates living at Guava Gardens, have a tough time paying their rent. It's very close. Some of my mates constantly search for low rent subsidized apartments.
HUD apartments usually charge 30 percent of a renter's gross income. So, a person who has an $800 monthly gross income would pay $240/month. It's a pretty long wait for my apartment mates when applying for HUD housing. Often 3+ years!
Before I began living at Guava Gardens, I knew nothing of a senior's plight to make ends meet. Guava Gardens was the first place that I applied to live. When manager Rosie showed me apartment #309, I loved it! "How much?", I asked. Rosie told me, $725/month. I did not learn for a long time, that $725/month for a studio was very low rent in La Mesa CA.
Yesterday at noon there was a Potluck party at Guava Gardens. My contribution was 15 pieces of mixed [dark/light] fried chicken. I picked up my chicken from "Crispy Fried Chicken" in El Cajon. My fried chicken was a hit!
We have a Potluck about once each month at Guava Gardens. Although there are 81 apartments at Guava Gardens, from the tenants here, only about 25 attend our Potlucks.
Many Guava tenants have lost the ability to be social. Old age affects some by withdrawing into themselves. Some have experienced so many deaths in their family & friends, that they are now alone. The ability for many seniors to make new friendships has evaporated. Physical challenges, being confined to a wheelchair, walking very, very slowly with a cane, etc., makes some depressed.
Sometimes I meet some of these unsocial apartment mates in the hallway. Introducing myself, I begin a conversation. Usually I see surprise in a person's face. Because hardly anybody here begins to chat in the hallway when they do not already know somebody. Wow!
Wire transfer challenged
I wanted to buy stock in a company named, "Alliance Resource Partners" [ARLP]. This stock purchase would be classified as "wild speculation."
So yesterday, I opened an account online with Etrade Financial. This is a cash account, which means that I must have cash in my account before I am able to make a purchase of ARLP shares.
I went to my nearby branch of North Island Credit Union, to make a Wire Transfer. But the teller informed that the Wire Transfer would NOT go thru today. It would likely be stalled waiting for a Federal Reserve approval! What bull sh*t!
When something gets in my way like this, I take it as a sign from my Guardian Angel that I am on the wrong track. I stopped the Wire Transfer, and closed my Etrade Financial account.
I do not feel that it is a good idea to battle against the tide of destiny. Go with the flow, is my way.