Future of the House

[Hogar Grupal]

At this point, have the utilities (electric, water, gas) have been shut off since no one is at the house, or is Harriet paying the bills? There could be a possibility of Chris coming back and it would be interesting to see him come back home with everything shut off.

 

[Rukario]

At this point, have the utilities (electric, water, gas) have been shut off since no one is at the house, or is Harriet paying the bills? There could be a possibility of Chris coming back and it would be interesting to see him come back home with everything shut off.

He'll likely blame Jacob Sockness for "cursing" him, after Chris tries powering the PS3 with his sonichu electric powers and finding it doesn't work.

 

[ICametoLurk]

Chris and Cole will inherit it. They will also inherit the debt on it.

Why would Cole get that debt?

 

[Pointless Sperg]

Why would Cole get that debt?

You don't directly inherit the debt, the estate does, and you get to keep whatever is left over. If Cole wants to claim his half, it will be similarly reduced. This is effectively inheriting debt in that the debt has to be paid off.

If the estate is underwater, then you can just not inherit anything and the debt goes away.

If the debt can only be paid off with one large, indivisible item in the estate (usually a house), and you want to keep that item, then you have to negotiate with creditors (and potentially other inheritors) for a way for you to inherit the debt too under a payment plan.

To satisfy the debt to all other parties, you can either refinance that item (in the case of a house, a new mortgage that lets you convert equity into money to pay the debt). There is enough equity to pay off Barb's debts, but Chris trying to get a new mortgage would be an uphill battle at best. If Chris can persuade the unsecured creditors to let him take on the debt (also an uphill battle), and Cole is uninterested, then no refinancing is needed.

If Barb's debt is in a joint account with Chris, then the debt was always Chris' too so it doesn't even go into the estate. Similarly, if Chris were a cosigner on Barb's debt then it automatically transfers to him, with Chris effectively inheriting it.

Cole will not inherit any debt unless he decides to (not bloody likely), but he can go to the back of the line to claim any remaining part of the estate, effectively becoming a debt for Chris if Chris wants to keep the house.

 

[Bassomatic]

Honestly when it comes to debt mortgages etc the best thing to assume as of now : what was least amount of work and put most money in barbs pocket today?

I wonder if you can get a partial reverse mortgage because if so barb would do that.

 

[A-№1]

Why would Cole get that debt?

The debt is on the property. Whoever wants the property (or his share of the equity in the property) has to deal with the debt first.

I wonder if you can get a partial reverse mortgage because if so barb would do that.

Barb wouldn't qualify. There's already a mortgage on the house.

 

[Holiday Special]

Cole is not going to expand a lot of effort on the estate. I'm sure he will accept a check but he won't do anything more than that. Cole has stayed out of all this drama and wrote Barb off years ago.

 

[Friend of Dorothy Parker]

You don't directly inherit the debt, the estate does, and you get to keep whatever is left over. If Cole wants to claim his half, it will be similarly reduced. This is effectively inheriting debt in that the debt has to be paid off.

If the estate is underwater, then you can just not inherit anything and the debt goes away.

If the debt can only be paid off with one large, indivisible item in the estate (usually a house), and you want to keep that item, then you have to negotiate with creditors (and potentially other inheritors) for a way for you to inherit the debt too under a payment plan.

To satisfy the debt to all other parties, you can either refinance that item (in the case of a house, a new mortgage that lets you convert equity into money to pay the debt). There is enough equity to pay off Barb's debts, but Chris trying to get a new mortgage would be an uphill battle at best. If Chris can persuade the unsecured creditors to let him take on the debt (also an uphill battle), and Cole is uninterested, then no refinancing is needed.

If Barb's debt is in a joint account with Chris, then the debt was always Chris' too so it doesn't even go into the estate. Similarly, if Chris were a cosigner on Barb's debt then it automatically transfers to him, with Chris effectively inheriting it.

Cole will not inherit any debt unless he decides to (not bloody likely), but he can go to the back of the line to claim any remaining part of the estate, effectively becoming a debt for Chris if Chris wants to keep the house.

No bank would give Chris a straight mortgage. Is he even competent to sign a contract? Maybe legally, but the combination of his personal, legal, financial*, and (non-) employment history would/should remove him completely from qualifying as a sole mortgagee.

*what kind of credit score could he have?

Unlike most, I don't think he is stupid - his written expression, though idiosyncratic and of course fantasy-filled, is better syntactically and grammatically* than more than half the people on the internet. He has missing links in his ability to make correct causative and other connections, and a host of other holes and conditions in his thought processes, but when not agitated or acting in desperate self-preservation mode, he shows some sophistication in his writing. Read a typical/average 8th grader's or even 10th grader's essay even in a school-required context, and he's capable of far more advanced expression.

*there are obvious holes in his education and knowledge, and he has virtually no common sense, plus a host of errors and warps in analytical skills, but he's not illiterate.

 

[Ophelia]

his written expression, though idiosyncratic and of course fantasy-filled, is better syntactically and grammatically* than more than half the people on the internet. He has missing links in his ability to make correct causative and other connections, and a host of other holes and conditions in his thought processes, but when not agitated or acting in desperate self-preservation mode, he shows some sophistication in his writing. Read a typical/average 8th grader's or even 10th grader's essay even in a school-required context, and he's capable of far more advanced expression.

His writing has deteriorated over the years. Are you including his jail letters in your assessment?

 

[Pointless Sperg]

Read a typical/average 8th grader's or even 10th grader's essay even in a school-required context, and he's capable of far more advanced expression.

I suggest you read Chris' essays from the 10th grade.

 

[Friend of Dorothy Parker]

His writing has deteriorated over the years. Are you including his jail letters in your assessment?

I perceive his jail letters (as far as I can recall them) as a lot of self-protection, role-playing and posturing.

As I said, a lot of holes in education and a questionable ability to connect dots correctly (much of it to try to sidestep responsibility or just make up stories, but also much that looks to be broken analytical skills only partly explainable by the above).

Yet, a) his linguistic skills are not elementary, and b) if he had a normal relationship with truth, cause/effect, responsibility, reality, etc., he would be reasonably articulate.

Open up your random Nextdoor, Facebook, whatever community site. Hell, even read your local (or even regional or national) paper, and you'll see worse writing*, both grammatically and analytically.

*again, barring the ability to reach reasonable conclusions. He defaults to magic and self-protection nonsense.

The thing with Chris is that while even though some paid writers are terrible writers, they can usually somewhat handle the requirements of everyday life. In Chris's case, he has low, if any, capacity for the latter. And he's compromised in the written expression universe by gaps in education + the discipline of analysis. Yet he does perceive and express things in ways different than a "dumb" person would.

 

[Friend of Dorothy Parker]

I suggest you read Chris' essays from the 10th grade.

Because? They were better writing than his grown adult writing? Or because they were sub-par for a teen in 10th grade? If the latter - I was comparing grown Chris vs teen students, to make the point that he (at times, and thus with the capacity) expresses himself better than many "average" teens - not to say that teen Chris was some sort of unsung literary star.

 

[Pointless Sperg]

Because? They were better writing than his grown adult writing? Or because they were sub-par for a teen in 10th grade? If the latter - I was comparing grown Chris vs teen students, to make the point that he (at times, and thus with the capacity) expresses himself better than many "average" teens - not to say that teen Chris was some sort of unsung literary star.

I'm just saying compare apples to apples. Yes Chris' writing has gotten better, but he's 40 now, though I still think it's worse than a typical 10th grader.

Chris is stupid. Anything that seems particularly insightful is something he plagiarized from someone/something else.

Yes he can be good at parroting things sometime, but you can always tell that it does not come from a position of understanding. Not just the typical autistic lack of empathetic/intuitive social skills, but basic logic.

He's tricked time and time again because he's incapable of doing any simple analysis of the situation. Like the time he broke his PS3 and thought that meant the trolls would pay him. That's not a social faux pax, that's being a retard for not realizing that it makes no logical sense. That is something a 16 year old 10th grader would instantly understand.

Or another example related to the PS3, when the trolls convinced him that they'd placed a monitoring device inside of it (which was the wifi antenna, which he dutifully removed). Now it's forgivable for the average person to not understand what is or isn't a monitoring device or a wifi device (indeed, many such devices do have antennas), but from a logical standpoint, that would mean that the trolls had somehow broken into his home to insert the device into his PS3, which would therefore mean that he and Barb have bigger problems of people breaking into 14BC so skillfully that they went completely undetected.

 

[KuwabaraTheMan]

I had forgotten about the PS3 stuff. Good lord what an idiot. That was barely even trolling, just him believing an obvious lie.

 

[Elbow Greased Strength]

He's tricked time and time again because he's incapable of doing any simple analysis of the situation. Like the time he broke his PS3 and thought that meant the trolls would pay him. That's not a social faux pax, that's being a retard for not realizing that it makes no logical sense. That is something a 16 year old 10th grader would instantly understand.

I think even 10th Grade Chris was a lot less likely to be tricked than he was a decade later or even now.

All that isolation from everyone but his trolls and parents definitely had an effect on him, just like it did his speaking and writing skills. The single-minded obsession with the Love Quest also did not help one bit.

 

[Hogar Grupal]

I think even 10th Grade Chris was a lot less likely to be tricked than he was a decade later or even now.

All that isolation from everyone but his trolls and parents definitely had an effect on him, just like it did his speaking and writing skills. The single-minded obsession with the Love Quest also did not help one bit.

If Chris took going to college more seriously instead of the love quest, he'd be mid level management at an engineering firm now. Chris had no interest in CADD, and Bob was a fool to waste his time to enroll Chris. I don't think Bob ever got Chris to take an art class in the 5 years he's been at PVCC.

 

[Elbow Greased Strength]

If Chris took going to college more seriously instead of the love quest, he'd be mid level management at an engineering firm now. Chris had no interest in CADD, and Bob was a fool to waste his time to enroll Chris. I don't think Bob ever got Chris to take an art class in the 5 years he's been at PVCC.

Chris back then never struck me as really disabled or unintelligent. He was autistic, sure, but if you listen to that video from 1998 he sounds pretty much as normal as you could get in that case. And if you get down to it he really did produce a lot of content on his own out of his own imagination, again impaired due to autism and external factors but not mentally retarded.

I think basically being passed along through high school gave him the same attitude towards college.

 

[Hogar Grupal]

Chris back then never struck me as really disabled or unintelligent. He was autistic, sure, but if you listen to that video from 1998 he sounds pretty much as normal as you could get in that case. And if you get down to it he really did produce a lot of content on his own out of his own imagination, again impaired due to autism and external factors but not mentally retarded.

I think basically being passed along through high school gave him the same attitude towards college.

Chris could be like any YouTuber now. Making that internet money, including what he does now with his drawings. But as you said, Chris was/is impared. He basically wasted over a quarter of his life.

I guess Bob didn't prep Chris a lot for college. Chris thought it would be a continuation of high school. However the difference between the two was that college actually challenges people, something that Chris had never faced and ended up nosediving.

 

[ScaliasGhost]

Chris could be like any YouTuber now. Making that internet money, including what he does now with his drawings. But as you said, Chris was/is impared. He basically wasted over a quarter of his life.

I guess Bob didn't prep Chris a lot for college. Chris thought it would be a continuation of high school. However the difference between the two was that college actually challenges people, something that Chris had never faced and ended up nosediving.

This is only kind of related to your post, but your post got me thinking. We know Chris has autism. That's all he's ever been formally tested for, to the best of our knowledge, and it was done at a young age. (PVCC papers are only a school Doctor going off Chris's self reported information). Many psychiatric disorders, such as schizophrenia, don't always manifest in young men and may only develop after reaching the earlier or mid twenties. It's possible Chris really did only have autism in high school, which (along with the structure he had) his apparently more lucid and composed demeanor. Then, as he ages latent problems with his perception of reality appear (probably not schizophrenia itself but some sort of similar disorder/s) explaining in part the Chris of today.

 

[Elbow Greased Strength]

Chris could be like any YouTuber now. Making that internet money, including what he does now with his drawings. But as you said, Chris was/is impared. He basically wasted over a quarter of his life.

Exactly. Even if you go off of what he's done as-is, he's written and illustrated an entire series of comic books entirely by himself and made tons of other works of art, writings, videos, etc.

The guy really is creative at heart and it seems like that seems through the pop culture wall to produce memorable characters and content...I mean FFS he's inspired huge derivative works like Asperchu that build significantly off of his canon and statements he has made.

I guess Bob didn't prep Chris a lot for college. Chris thought it would be a continuation of high school. However the difference between the two was that college actually challenges people, something that Chris had never faced and ended up nosediving.

I really don't know what happened at that point but the easiest explanation I can think of was that Bob was simply getting too old and didn't have the same health or energy as he did when Chris was younger. He was 73 when Chris graduated high school after all...imagine dealing with an autistic teenager at that age.