11/1/21 Chris Chan Phone Call Update

When the inevitable happens and Barb finally dies, Chris is just going to cope harder than ever before. I fully expect Norman Bates style bullshit where he tries to wear Barb's clothes.

14bc has a reverse mortgage on it, right? She will probably die sometime as Chris is in jail and the bank will swoop in and take everything.

Chris will emerge with nothing, unable to get a job (at least for very long with him being incompetent, a convict, and weens stalking him), and only a handful of remaining weens will be throwing pennies at him for their entertainment. As his expenses increase due to not having a home, his tugboat will start to get insufficient.

Assuming he won't get introduced to hard drugs, which would be much more bleak.
 
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14bc has a reverse mortgage on it, right? She will probably die sometime as Chris is in jail and the bank will swoop in and take everything.

Chris will emerge with nothing, unable to get a job (at least for very long with him being incompetent, a convict, and weens stalking him), and only a handful of remaining weens will be throwing pennies at him for their entertainment. As his expenses increase due to not having a home, his tugboat will start to get insufficient.

Assuming he won't get introduced to hard drugs, which would be much more bleak.
I thought Barb mortgaged the house to clear her personal debt? (And I'm pretty sure that isn't paid of, so I doubt she can reverse mortgage the home?)
If she really reverse mortgaged the house, then she had no regard for Chris even before "the incident".
Chris would probably have been fucked, even without jail time, if that is true.
 
I think it's funny that he is still talking about that vague incident where his screams were recorded.
One incident he likely has no actual memory of, and in reality was likely entirely kosher, apparently has brought him to this event- and is solely to blame.

I am almost sure they did something like try and control chris from hurting himself as he chimped out in some way and wanted proof that he was sub normal to get him into a special program in a way Bob and Barb couldn't fight, what the cause of that was is lot to time but Barb and Bob took the option remaining to them of legging it to another district and making other kids and teachers put up with Chris.

I honestly thing though that it was inpart a fabrication told to Chris, he has a VERY poor memory recall of events even recent ones so him accurately relaying information decades after a event happened is to be taken with not just a grain of salt but the whole shaker, he has also been far to consistent with it's retelling and poor on fine detail so I am guessing it's something he's been told the details of from Bob an Barb and repeats them verbatim, he may have a vague memory of a indecent at school that made him feel worse than normal but nothing in detail.


14bc has a reverse mortgage on it, right? She will probably die sometime as Chris is in jail and the bank will swoop in and take everything.

I don't know how it works in the US and from the sound of it it's what's called in the UK as Remortgage where you take out a mortgage with the same risks as the first one just at a better rate and you only do it if your circumstances improve significantly or you really seriously need the money.

There is another option I don't know if it's a thing in the US but it's called "Equity Release" this has been a thing for about 15 years but became really popular in 2008 onwards, and is now starting to cause noise. It was designed for older people who had payed off there house and it had significantly increased in value who wanted or needed money for things, the adverts where always for things like around the world cruises, taking the grand kids shopping, prepaying funerals etc and it was only a part of your house 20% of the market value i think was the cap, there was a lot of fuckey going on with the valuations and the working of the agreements, but the main selling point was you can pass it down to your kids or grandkids with no issue they just need to pay back the equity etc.

The problem is in the contract the period of time they had was significantly shorter than it takes to get a morgage approved, and there was all sorts of pentaly clauses and other fuckery going on where they ended up loosing money or the house getting sold to a company that the vendor had a intrest in sold for a fraction of it's value and then the provider of the release being the main creditor to the estate proffiting many times over.

There is supposedly some legal cases challenging this mess comming up soon mostly because a few MP's got bit in the arse by it and because it hit them personally they wont let it go easy, but the whole situation was scummy and I can see Barb wanting the money and not caring about Chris and soothing herself with the idea that Chris can buy them out etc.
 
I thought Barb mortgaged the house to clear her personal debt? (And I'm pretty sure that isn't paid of, so I doubt she can reverse mortgage the home?)
If she really reverse mortgaged the house, then she had no regard for Chris even before "the incident".
Chris would probably have been fucked, even without jail time, if that is true.
Yeah it was paid off and she reverse mortgaged it.
 
Between Chris and Barb, they're sitting at like 200k in debt I think. I thought they had mortgages out on the house; but it might be one.

For non US kiwis this might seem entirely fucked up; but banks rely on people with poor spending habits, or making questionable life choices to do this. The bank knows it normally will get a decent property in a few years after their situation gets more fucked, and can flip it.

We have no real way of knowing the exact fiscal situation; but Barb and Chris both have been brought to court over outstanding debt. It is entirely possible right now Chris' tugboat is inaccessible to Barb and I doubt she has any better control of her spending then Chris, meaning she might be lapsing in payments.
 
For non US kiwis this might seem entirely fucked up; but banks rely on people with poor spending habits, or making questionable life choices to do this. The bank knows it normally will get a decent property in a few years after their situation gets more fucked, and can flip it.

We have no real way of knowing the exact fiscal situation; but Barb and Chris both have been brought to court over outstanding debt. It is entirely possible right now Chris' tugboat is inaccessible to Barb and I doubt she has any better control of her spending then Chris, meaning she might be lapsing in payments.

It happens world wide, if anything the modern credit system is massively to blame for this, I wont go into detail here but I know more than a few people who have been suckered into it.

But the Debt situation I can speculate on, Chris doesn't really owe that much in real terms I think he owes less than 10k in total by a significant margin but he still struggles with it but if he had a job or real income it wouldn't be nice but it would be manageable, Most of the household debt is Barbs, so that makes it Chris's problem as well.

Barb is significantly better off than Chris, but she blew the cushion Bob left her an chris and then got into debt on top of that to satisfy her own needs not through necessity and also her hoarding tendency, Barb's the sort of old person who watches QVC all morning and then gives in to buy a over priced bit of tat she doesn't really want or need just because it gives her someone to talk to for 10 minutes and it's supposedly 60% off so she can sell it later for a profit, not realising it's not even worth a 10th the price she got it for and wont budge on it because she is sure she's right.

I honestly think Barb is just stingy with her own money and uses Chris's SSDI and fear to pay off the majority of her debt and uses the remainder of her income for herself and paying the minimums on her own debts, but she also plays the low income game of getting away with the most before I have to pay it juggling act and then hiding the bills under the matress till someone comes knocking.

Chris is very much his mothers tom girl in this respect, he trys to play the same game as her but fails at it because he isn't as smart as her, and he also lacks the income base to start with that Barb had to even get started.


Well, he's talking about keeping a Goddess Journal, so I think he's still on it.

I swear that's a new age thing, I just wish I knew where he picked it up from.
 
At this point, given the weird symbol he keeps drawing on everything simply looks like the assembled crystal at the end of the G5 movie (you know, "unification" of the three types of pony in the most literal sense possible), I think Chris ended up deciding this shit was actually okay.
One minor problem: G5 hasn't had a film released yet, nor even a full TV series. We were all speculating with glee how it would trigger Chris at Everfree when he was forced to confront G5's reality, either via preview clips or maybe even an advance episode or two. If his stupid symbol looks like anything from G5, then it's probably pure coincidence, as I guess that he hasn't been able to see his pony cartoons in the big house.
 
One minor problem: G5 hasn't had a film released yet, nor even a full TV series. We were all speculating with glee how it would trigger Chris at Everfree when he was forced to confront G5's reality, either via preview clips or maybe even an advance episode or two. If his stupid symbol looks like anything from G5, then it's probably pure coincidence, as I guess that he hasn't been able to see his pony cartoons in the big house.

Maybe the tard area has a separate TV?
 
as I guess that he hasn't been able to see his pony cartoons in the big house.

I doubt he has seen any kids shows since he's been arrested, He's in Protective custody and he's not social so I can see him not spending much or any time in the TV common area the inmates he's locked up with wouldn't watch that kinda shit an likely stick to sports and news.
 
Gonna chime in quick since the shows he can watch in jail is brought up:

Generally you need to ask guards to change the channel. There is some obvious reasons to not allowing inmates access to the TV or remotes. Given guards are unlikely to change what we can guess is the only TV for a few inmates, to a show that they might bitch about even if he did ask...unless Chris confirms it, I doubt he's seen it.

Then there comes up the fact they basically cover the fucking TVs with plastic and you can't hear shit from cells as well, if you are lucky enough to see it from your cell.
 
Gonna chime in quick since the shows he can watch in jail is brought up:

Generally you need to ask guards to change the channel. There is some obvious reasons to not allowing inmates access to the TV or remotes. Given guards are unlikely to change what we can guess is the only TV for a few inmates, to a show that they might bitch about even if he did ask...unless Chris confirms it, I doubt he's seen it.

Then there comes up the fact they basically cover the fucking TVs with plastic and you can't hear shit from cells as well, if you are lucky enough to see it from your cell.

I'd like to hear more about this. PL but while I've been to jails and prisons before it was never in the role of inmate, so I never got to experience the "amenities". I understand roughly how they work from talking to people but I can't provide any sort of personal detail, so it's very interesting to hear from others.

Maybe I missed something in the letters but from what I gather Chris is in his cell mostly, but he hasn't said he's confined there all the time. I wonder if he has special time out of his cell that still keeps him separated from the more dangerous folk. He's talked very briefly about rec areas (basketball half-court). That's why I'm wondering if maybe there's a special time for the speds to get TV time. Since there's so few inmates there the number of tards is probably very small.
 
One minor problem: G5 hasn't had a film released yet, nor even a full TV series. We were all speculating with glee how it would trigger Chris at Everfree when he was forced to confront G5's reality, either via preview clips or maybe even an advance episode or two. If his stupid symbol looks like anything from G5, then it's probably pure coincidence, as I guess that he hasn't been able to see his pony cartoons in the big house.
G5 did have a film released, that's what "My Little Pony: A New Generation" is.
Gonna chime in quick since the shows he can watch in jail is brought up:

Generally you need to ask guards to change the channel. There is some obvious reasons to not allowing inmates access to the TV or remotes. Given guards are unlikely to change what we can guess is the only TV for a few inmates, to a show that they might bitch about even if he did ask...unless Chris confirms it, I doubt he's seen it.

Then there comes up the fact they basically cover the fucking TVs with plastic and you can't hear shit from cells as well, if you are lucky enough to see it from your cell.
This is the chink in the theory the weird symbol Chris came up with is related to the combined crystal at the end of the G5 movie - he was arrested before the film properly released.

I say properly because I think literally a day or two before he was arrested, somebody leaked a camcorder version of the last three minutes but with the Russian dub. This is enough to show the combined crystal, so all I can figure is that Chris saw this on his phone or something right before he got arrested since it was making the rounds on pony related socials at the time.
 
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