Disability Grants To Help Darrell With Multiple Disabilities Build Home Business
by Darrell Gill
(Ardmore, Oklahoma, USA)
My name is Darrell. I'm a 57-year-old male. My family and I have lived in and around Ardmore, Oklahoma since 1970.
I have five adult children -- a son age 33, twin girls age 23, a stepdaughter age 21, a stepson age 18, and four grandkids. I've lived in the same home since 1988.
Darrel Gill Enjoying Quality Time With Grandson
My disabilities started from a work-related injury to my lower back in 1994. I was diagnosed with Degenerative Disc Disease (herniated disc). I had back surgery in February 1995.
Before my physical therapy was complete, I once again suffered herniated discs. This required a second surgery in August 1995.
It was the same procedure as the first surgery plus the doctor enlarged the opening where the nerves pass through to my leg.
In late 2003 I began to have severe pain in the hip area. With an MRI in February 2004, I was diagnosed with Avascular Necrosis.
They said, "50% of the left femoral head with a paucity of bone marrow edema, and 10% of the right femoral head."
I filed for disability and reached out to The Oklahoma Rehabilitative Services.
I was awarded benefits in December 2004, and qualified for a left hip resurfacing surgery in June 1 2006.
I had a stent put in my right coronary artery, and I'm awaiting triple bypass surgery for my right coronary, left circumflex coronary, and left main coronary arteries.
My disability income is $1392 per month, and my outgoing expenses are as follows:
1. Mortgage/Insurance/Property Tax: $443.05
2. OG&E - electric bill - average: $200
3. Water/Sewer/Garbage: $70
4. Cable/Internet: $167.62
5. Phone: $40
6. Auto/Insurance/Gas/Maintenance: $160
7. Discover Credit Card: $100
8. One Main Financial: $305
9. Lowes Card: $50
10. Medication: $50
11. Groceries: $150
I'm short $130 or so every month before groceries or bath supplies.
Thank god my children are currently helping me get everything paid.
I make about $80 too much to qualify for a free phone.
The Discover card is from before my injuries. They have a lien on my house, so I can't refinance. (I'm paying 10.5 % interest now.)
I've gotten financial assistance for most of my major surgeries, but I still owe thousands of dollars on them.Income Efforts
I can't work long enough at a time for a full-time job, but when I can work at my own pace I can do small jobs like changing the brakes on my family's cars or work on an appliance now and then. It's not enough, though to make much of a difference.
I've tried getting to a point where I can buy, fix and sell cars.Specific Needs
I'm seeking help to pay off my mortgage. I'd like to get help paying off my debt, and I'm also seeking help getting my teeth fixed.
I just want to have a quality life, to afford healthier food and not be dependent on my children.
I want to live the rest of my life with dignity, and feel productive.Business Idea
I've always wanted to build a shop onto the back of my house to restore and fix cars.
If I had my own inventory of vehicles to work on at my own pace, I could supplement my income and eventually even hire a couple of employees and make a good living.
I've located a supplier that has a wide variety of high-end collector cars that are damaged but repairable, with the potential of making thousands of dollars profit.
I would only be able to do two or three cars a year at first, but once I'm established and people see the quality of vehicles I'm selling there's an unlimited possibility for expansion.