Money Barb Sued by Discover Bank

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Yep, that's a fact of life we all learn in early adulthood (i.e. expenses we didn't have to deal with before) We learn the true value of having a job that pays well, and the value of budgeting.

This is where two problems come in for Chris. One, he doesn't work, and because he has convinced himself he CAN'T get a job, I see that becoming a real problem for him, and possibly the thing that ruins his life for good, when Barb dies. Don't forget, the house won't be the only thing he inherits from Barb when she dies. He will inherit her debts (which they probably can't come after him for unless he co-signed something with her) But if she has any money she intended to leave him upon her passing, the debtors will be all over that like vultures

The second problem is budgeting. I'm aware that Chris will be able to adjust to having new bills, but the question is, will he be able to take all of that into account when he's surfing the internet and sees some new Lego set that he "REALLY WANTS THAT! MULTIPLES OF THAT!"

Sure, he could just beg for it online, but as we've seen with the PS4, when the begging fails (and it will), he will just buy it himself, and damn the expense!

Someone mentioned that Chris' Tugboat is $1300 a month. That's chump change in this economy, especially if you're a homeowner and it's your sole source of income. Sure, Chris could maybe make it work if he kept things to the bare essentials, but therein lies the major problem. Chris is not, and has never been the type of person to live by the bare necessities (and to be fair, I've never met anyone in this country that does) Chris, like his mother, needs things...Lots of things. Things cost money.

By the way, he might be able to save money now and still get some things he wants if he buys them used. But I'm guessing he's not willing to buy toys and video games that were touched by other people (yet he's willing to buy used clothes like it ain't no thing)
Its not that he think he cant get a job its that he thinks hes entitled to not have one.

Oh, he's fine with selling stuff off if he needs to. That's part of how he bought his second PS3 days after we made him smash his first one.

He's gonna sell everything that isn't nailed down. Of course, starting with the hoard and only, reluctantly, dipping into his own possessions as things get particularly dire.

Edit: Heh, I just realized that if Chris can't buy mcdonalds with food stamps, I could see him trying to wheel and deal by buying food with food stamps, and then trying to sell the food for mcdonalds money.

Ten kinds of Nope, in this state anyway. That's actually a Skeletons in The Closet style policy topic that I won't junk up the thread going into, but is a chronic argument in some places.

Some but not all fast food places accept EBT, like KFC and taco bell do. I don't think mcdonalds does, poor fatty.

Also hehe, Chris could try applying for WIC.

No. Not even certain food items (like vitamin supplements or beer) are allowed.
Of course you can use it and then exchange it for whatever (i.e. buy food then trade it for smack with the junkie's baby mama), but I don't think Chris is that street savvy.

A lot of times, people will pay more in food stamps to get what they want. You can't buy that six pack of beer for its actual price of $8 with your stamps... but you can if you give the dude at the corner store $12 in food stamps.
The restrictions on what you can spend food stamps on really depend on the state you live in. In California you can use your EBT cards at weed stores. I believe in more conservative states theyve really been trying to crack down on that so Virginia is probably fairly restrictive. Also EBT is the same as food stamps right?
 
The restrictions on what you can spend food stamps on really depend on the state you live in. In California you can use your EBT cards at weed stores. I believe in more conservative states theyve really been trying to crack down on that so Virginia is probably fairly restrictive. Also EBT is the same as food stamps right?
It depends on whether the card is used for "Cash" or "Food" at checkout (at least here in Ohio).
 
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Barb is really the last human contact Chris has on a regular basis, which I think will cause him to lash out in some way. Right now he has a "woman's presence" around, but once that is exhausted, he'll get desperate.

The best I can come up with is that he goes to his church (the only accepting place in his real-world life) and they somehow put him onto some sort of path. I could see him working at a Salvation Army or some sort of charity organization.
Chris goes to various social events IRL sometimes.
 
No. Not even certain food items (like vitamin supplements or beer) are allowed.
Of course you can use it and then exchange it for whatever (i.e. buy food then trade it for smack with the junkie's baby mama), but I don't think Chris is that street savvy.

What is and isn't allowed varies by state. There are shady places that you can use EBT for stuff that's verboten, but McDonald's isn't one of them.
 
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Virginia Department of Social Services said:
Items that can be purchased with SNAP include:
  • Food or food products meant to be eaten by people
  • Vegetable seeds and food producing plants, roots, and trees for family consumption
  • Baby formula, diabetic, and diet foods
  • Edible items used in preparing or preserving food such as spices and herbs, pectin, and shortening
  • Water and ice labeled for human consumption
  • Snack foods
  • Meals delivered to elderly or disabled SNAP recipients if the organization providing the meal is authorized to accept EBT cards.
Items that cannot be purchased with benefits include:
  • Prepared hot foods in grocery stores
  • Any prepared food (hot or cold) sold and meant to be eaten at the store
  • Alcoholic beverages and tobacco
  • Cleaning products, paper products, toiletries, and cooking utensils
  • Pet foods
  • Items for food preservation such as canning jars and lids, freezer containers, or food wrapping paper
  • Medicines, vitamins or minerals
  • Items for gardening such as fertilizer and peat moss


Retailers will not give cash change on an EBT purchase. The EBT card will not allow a person to receive cash from an Automated Teller Machine (ATM).

Food purchased with SNAP benefits is exempt from the state sales tax. However, sales tax is charged on the value of manufacturer's coupons that might be used in the transaction, and the sales tax must be paid in cash.

Example: An EBT cardholder's groceries add up to $27.50. She has manufacturer's coupons which total $3.50, to reduce her grocery bill to $24.00. $24.00 is deducted from her EBT account, and she will owe Virginia's food sales tax on the value of the coupons (2.5% food sales tax times $3.50 equals 8.75 cents, rounded to 9 cents). When items that were purchased with SNAP benefits are returned to the store, the merchant credits the money back to the EBT account. Cash is not given back.

At the checkout counter, tell the cashier beforehand that you will pay with your EBT Card. Depending on the store, you may need to separate the items.

I don't know how restrictive these rules are relative to other states, but I was kinda surprised that medicines and toiletries can't be purchased with SNAP.

http://www.dss.virginia.gov/benefit/snap.cgi "Guidance & Procedures" "Items that Can and Cannot be Purchased"
 
Since Chris receives substantial tugboat money, he can substitute between EBT and tugboat money. He can use the EBT for some frozen dinners and junk food. That is savings for him. He can still use the tugboat for things like fast food, and if he has a rough financial period, subsitute more towards shit he can buy on EBT. Basically, EBT would give them the chance to save on his food bill as much as he wanted each month.

But it's Chris, so I am sure there will be some fucking up and bitching along the way.
 
Since Chris receives substantial tugboat money, he can substitute between EBT and tugboat money. He can use the EBT for some frozen dinners and junk food. That is savings for him. He can still use the tugboat for things like fast food, and if he has a rough financial period, subsitute more towards shit he can buy on EBT. Basically, EBT would give them the chance to save on his food bill as much as he wanted each month.

But it's Chris, so I am sure there will be some fucking up and bitching along the way.
He will complain that he cant buy McDonalds with it. He might even try to go to KFC since they take EBT and bitch about getting rejected because they dont take SNAP funds
 
^ I've also heard that creditors' ability to put a lien on a house can be dependent on how much they're owed.
collection agencies for CC companies prefer to go after bank accounts and withdraw small amounts at a time as to prevent contest over income exemptions like social security. They generally do not get judgement liens on homes because that tends to trigger bankruptcy proceedings which leave the creditor with nothing and often forces them to return money that they have withdrawn from liened accounts.
 
collection agencies for CC companies prefer to go after bank accounts and withdraw small amounts at a time as to prevent contest over income exemptions like social security. They generally do not get judgement liens on homes because that tends to trigger bankruptcy proceedings which leave the creditor with nothing and often forces them to return money that they have withdrawn from liened accounts.
They would have to return money?
 
They would have to return money?


Sure, if they had taken money from accounts that were either protected

1. Because the debtor had already begun bankruptcy proceedings whe they grabbed the funds
2. The funds werde from a protected source such as SSI


Applying for bancruptcy gives the debtor a "protection period" when they are virtually untouchable by creditors.
The Tesch family has used this loophole to consistently fuck with the bank after not paying their mortgage for nearly 10 years.
 
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yeah, but does he actually interact with anyone?
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yeah, but does he actually interact with anyone?
Yeah. Chris goes places, spergs with people and has fun. Think about omegacon. You guys only heard about it because I was there.

Like, a lot of the explosive drama you think about Chris is manufactured by trolls. Like, for example, the Megan stuff? That only exploded specifically because of the internet component. That's not to say Megan was happy with Chris. No, she still would've dumped Chris (as a friend) regardless. It just wouldn't have exploded into drama without the internet fucking with Chris, and Chris posting that sex drawing of her.

Chris is very annoying and boring IRL most of the time. The pepper spray is the exception that proves the rule. So basically, Chris would go years just being normal and boring, and then occasionally pepper spray some guy, show up as a floridaman-esque line in a newspaper, and then go back to mediocrity.

Chris goes around town, right now, doing normal, boring shit.
 
Chris goes around town, right now, doing normal, boring shit.
To what degree is this whole Tomgirl/TransLesbian a direct or indirect product of trolling?

Imo, I think it contributed a lot. Has Chris never been discovered by the Internet, he'd still be wearing striped shirts and bowl cut hair while saying "stay straight" to everyone.
 
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Like, a lot of the explosive drama you think about Chris is manufactured by trolls. Like, for example, the Megan stuff? That only exploded specifically because of the internet component. That's not to say Megan was happy with Chris. No, she still would've dumped Chris (as a friend) regardless. It just wouldn't have exploded into drama without the internet fucking with Chris, and Chris posting that sex drawing of her.

Chris drew that of his own volition to prove he was straight, though, and was done long after they had stopped talking already (IIRC).
It was because of his obsession with Megan that Lucas and Mimms started posting about Chris in the first place (also IIRC; damn, that was a long time ago now).

-edit-
I did not recall the first part correctly - I just remembered that Megan was disgusted by the drawing.
 
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To what degree is this whole Tomgirl/TransLesbian a direct or indirect product of trolling?

Imo, I think it contributed a lot. Has Chris never been discovered by the Internet, he'd still be wearing striped shirts and bowl cut hair while saying "stay straight" to everyone.
It certainly wasn't a direct product of trolling.

Chris is a tomgirl because he hates men. He hates the concept of men. Or his concept of men, anyway.

To what extent the tomgirl stuff was influenced by trolling depends on two factors:
  1. Did we aggravate his hatred of men severely enough to make him desperate enough to switch genders? That is, would his hatred have boiled over without us?
  2. Would we have been the only way Chris would've heard about the possibility of switching genders? Like, did the chaotic diversity of internet nerdery introduce the idea to Chris, and are we the most likely way someone would stumble upon the concept?
I think #1 is the strongest argument. #2 isn't very persuasive because popular culture talks about transpeople all the time. I'm sure Family Guy is full of them.

When it comes to the first point, I think we did cause Chris to reach the tipping point. The way I'd characterize it is that we exposed Chris to a lot more "real" life than he'd ever be exposed to in his entire natural life. Chris talked to girls, got criticized, got dumped, had girlfriends die on him, etc. Think about it: at what age do you think Chris would've gone to a bar for the first time, had it not been for trolls? I'd say... his 40's. Probably even his late 40's.

Chris was aggressively exposed to failure after failure after failure. Artificial failures, of course. And definitely more insane, bullshit failures than any normal person would've gone through. But still, the idea that Chris is a failure as a man isn't artificial. But Chris wouldn't have realized it on his own. (Not to say it's beneficial for him to realize this truth. Sometimes incredibly false fantasies are good for you, when that's the only thing you've got in life.)

Chris realized that: he hates men, he hates the male role in society that he's expected to fill, and he can't possibly hack it as a man. So his solution was to switch teams. Once the light dinged in his head that that's even a possibility, he become so much happier. People who think this is a temporary ploy to get china are really missing the picture.
Chris drew that of his own volition to prove he was straight, though, and was done long after they had stopped talking already (IIRC).
It was because of his obsession with Megan that Lucas and Mimms started posting about Chris in the first place (also IIRC; damn, that was a long time ago now).

-edit-
I did not recall the first part correctly - I just remembered that Megan was disgusted by the drawing.
No, I know. I'm not excusing Chris. I'm saying we put him in an aggressive situation and Chris lashed out. Chris naturally wouldn't have been put in a situation where he'd be forced to lash out. (Of course, "forced" in Chris lingo.) Naturally, he'd have just gotten more and more creepy to Megan, and eventually she'd tell him to fuck off in a much more muted way.
 
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