Money Reverse mortgage

[{o}P II]

Both Chris and Barb are awful and deserve to burn

 

[draggs]

In Barb’s defense, it kinda makes sense in a total “screw my autistic son/only heir” kinda way.

Yes, reverse mortgages are usually pure idiocy. (Regular debt can be discharged in a bankruptcy. Reverse mortgages can’t.)

Barb basically traded the house and Chris’s future for piece of mind and a higher standard of living for herself in the last years of her life.

So basically Barb made the smart move here for her. Live your final years in personal financial comfort with the stress of your crazy ass son, or live your final years with the stress of your crazy ass son AND the stress of having no personal financial comfort. Easy decision.

 

[Kenneth Erwin Engelhardt]

Oh, I recognize the pattern. I feel absolutely no sympathy for Chris and feel he deserves everything that's coming to him for actively rejecting any help or working towards improving himself in any way. I can recognize that Barb completely fucked Chris over because she's a selfish whore without siding with Chris or feeling bad for him.

And no one suggested to Bob and Barb that Chris be committed when he was younger. The faculty at Chris' elementary told the Chandlers that Chris was beyond their scope of ability and expertise to continue to teach and manage, and said he needs to go to a dedicated school for retards where the faculty has training and experience to manage someone as low-functioning as Chris. The Chandlers, being old enough to be Chris' grandparents and having grown up when actual mental asylums were still a thing (and back when families would often dump their developmentally challenged children and forget they exist) mistakenly believed that the Greene County School District wanted to commit Chris because they didn't understand what they were being told.

It was not a school for retards. Chris is autistic not retarded. It was the Grafton School in Winchester, VA. Chris is not low functioning despite what anyone may think. Low functioning autism is someone on the autism spectrum with an IQ of 69 or lower (i.e. an intellectual disability). Chris isn't stupid, he's extremely maladjusted. And yes, his father was responsible (in a manner of speaking). Chris never applied for disability, it was his father that set up the process for him, and then took his cut for "room and board" out of the monthly check. Chris was kind of a "cash cow" insofar as the Lumberjack was concerned.

What the heck would you expect? His father did not provide any kind of a role model on how to budget his money, write a resume, help him network to get some kind of full time job, seek counseling to learn how to interact wtih members of the opposite sex, seek out some kind of support group for people on the spectrum, and so forth and so on.

Fast forward to 2020, you have an almost middle aged man who is probably sufferes from schizoaffective disorder, is living on borrowed time as far as his finances are concerned. And no Chris is not transgendered. This whole thing started with this maladjusted tomgirl saga after "Jackie" told him he needed to have more empathy for the opposite sex. And yes, I totally agree with the analogy of comparing an imploded star to Chris. All Null is going to end up doing is banging his head against a brick wall. Nobody on this forum even comes close to having the type of expertise needed to help him.

 

[Tikbalang]

Nobody on this forum even comes close to having the type of expertise needed to help him.

What does he need?

 

[Mariposa Electrique]

It was not a school for retards. Chris is autistic not retarded. It was the Grafton School in Winchester, VA. Chris is not low functioning despite what anyone may think. Low functioning autism is someone on the autism spectrum with an IQ of 69 or lower (i.e. an intellectual disability). Chris isn't stupid, he's extremely maladjusted

No, he's maladjusted and stupid. Claiming that he's normal outside of his autism is actually very stupid. Around 50-70% of people with ASD have learning disabilities, which means that more than likely he's retarded.

 

[jawsome]

Nobody on this forum even comes close to having the type of expertise needed to help him.

So we should be more like you and just give Chris large, unbridled sums of money and play into his escapist fantasies? That worked out exceptionally well in the past, right?

 

[Mole]

Well, that's definitely the final nail in the coffin for any potential inheritance that doesn't include a sweet bonus mountain of debt for ole Chris. I guess he'll have the comfort of knowing he can still inherit all that hoarded inventory which totally isn't simply a sad pile of decades-old-trash-gone-by. Oh, and also the fact that he can enjoy full tugboat captain privileges - Barb being the useless deckhand that swabs the deck with weeks-old seawater while pilfering 80% of the boat's illustrious trade profits.

 

[Papa Adolfo's Take'n'Bake]

What the heck would you expect? His father did not provide any kind of a role model on how to budget his money, write a resume, help him network to get some kind of full time job, seek counseling to learn how to interact wtih members of the opposite sex, seek out some kind of support group for people on the spectrum, and so forth and so on.

At what point, precisely, would it would have been possible to teach chris how to write a resume/network/interview for a job? All of those things take a level of social competence well beyond anything our "high-functioning" hero has ever demonstrated in his life.

 

[AsianChris]

Well... He did come to Null and ask him to kill someone, so...

More info on that?

 

[lolwatagain]

Well, it’s Null’s retelling a piece of information he got from Chris reading his moms mail apparently.

So yeah, I agree that the room for error is very big here.

What makes it believable for me is the apparent end of the financhu crisis. There has been no begging for awhile, Chris is laying low on his usual lazy attempts at hustle dollars out of weens. And clearly he has enough money to piss away on multiple $300 Lego sets.

So clearly SOMETHING has happened. And a reverse mortgage makes the most sense.

A reverse mortgage would probably be recorded with Greene County and registered in the Deed book. Because VA is a Race-Notice state, a lender would record asap to avoid getting fucked.

 

[Kosher Dill]

This makes me wonder how Chris would fare if he starts becoming either an drug addict or an alcoholic.

He's flirted with overuse of alcohol in the past and he's tried drugs (at least the wacky tobacky), but ultimately the autismoverse roleplay is a stronger and more addictive drug to him.

 

[The Dude]

It was not a school for retards. Chris is autistic not retarded. It was the Grafton School in Winchester, VA. Chris is not low functioning despite what anyone may think. Low functioning autism is someone on the autism spectrum with an IQ of 69 or lower (i.e. an intellectual disability). Chris isn't stupid, he's extremely maladjusted. And yes, his father was responsible (in a manner of speaking). Chris never applied for disability, it was his father that set up the process for him, and then took his cut for "room and board" out of the monthly check. Chris was kind of a "cash cow" insofar as the Lumberjack was concerned.

What the heck would you expect? His father did not provide any kind of a role model on how to budget his money, write a resume, help him network to get some kind of full time job, seek counseling to learn how to interact wtih members of the opposite sex, seek out some kind of support group for people on the spectrum, and so forth and so on.

Fast forward to 2020, you have an almost middle aged man who is probably sufferes from schizoaffective disorder, is living on borrowed time as far as his finances are concerned. And no Chris is not transgendered. This whole thing started with this maladjusted tomgirl saga after "Jackie" told him he needed to have more empathy for the opposite sex. And yes, I totally agree with the analogy of comparing an imploded star to Chris. All Null is going to end up doing is banging his head against a brick wall. Nobody on this forum even comes close to having the type of expertise needed to help him.

Autistic, retarded...potato, potahto. Semantics. It was a school for the developmentally disabled whose condition is too severe for your regular public elementary school to manage. Chris was having major outbursts in class when he was in elementary which led to the faculty taping the episodes to provide proof to the Chandlers that Chris was too low-functioning to be mainstreamed in a normal public elementary school.

I know you're fond of Chris and consider him your friend, but your assessment of his situation is disingenuous and your defense of him is misplaced. It does him no favors. Chris is low-functioning in that he can barely take care of himself and his grasp on reality is nearly gone. He wilfully chooses to dwell in a pastel pony fantasy world and lose himself in escapism over facing his problems and trying to solve them like a mature adult. He has literally regressed over the years to the point that he is essentially a seven or eight year old in a 38 year old, nearly 300lb man's body.

And, yeah, Chris is likely retarded on top of being Autistic. Just because his head is full of useless knowledge like video games, Pokémon, My Little Pony, and Transformers does not mean that Chris is smart. Knowledgeable does not equal smart, especially when that knowledge has absolutely no fucking application in an adult life. All Chris' knowledge is childish pursuits and fantasy delusions. If Chris' IQ broke triple digits i would be very surprised.

 

[Flavius Anthemius]

At what point, precisely, would it would have been possible to teach chris how to write a resume/network/interview for a job? All of those things take a level of social competence well beyond anything our "high-functioning" hero has ever demonstrated in his life.

It's like the absolute worst possible combination with Chris, the mentality of a seven year old stuck inside a nearly forty year old male body, their is no way in hell he'd ever shift his mentality towards ending all of this escapist body merging bullshit and actually try to at least attempt to have a more productive lifestyle, those days are long gone, he's beyond helping at this point.

 

[Argh My Cigar]

It was not a school for retards. Chris is autistic not retarded. It was the Grafton School in Winchester, VA. Chris is not low functioning despite what anyone may think. Low functioning autism is someone on the autism spectrum with an IQ of 69 or lower (i.e. an intellectual disability). Chris isn't stupid, he's extremely maladjusted. And yes, his father was responsible (in a manner of speaking). Chris never applied for disability, it was his father that set up the process for him, and then took his cut for "room and board" out of the monthly check. Chris was kind of a "cash cow" insofar as the Lumberjack was concerned.

What the heck would you expect? His father did not provide any kind of a role model on how to budget his money, write a resume, help him network to get some kind of full time job, seek counseling to learn how to interact wtih members of the opposite sex, seek out some kind of support group for people on the spectrum, and so forth and so on.

Fast forward to 2020, you have an almost middle aged man who is probably sufferes from schizoaffective disorder, is living on borrowed time as far as his finances are concerned. And no Chris is not transgendered. This whole thing started with this maladjusted tomgirl saga after "Jackie" told him he needed to have more empathy for the opposite sex. And yes, I totally agree with the analogy of comparing an imploded star to Chris. All Null is going to end up doing is banging his head against a brick wall. Nobody on this forum even comes close to having the type of expertise needed to help him.

You have to understand that in some parts of the country around the time Chris was a small child, lobotomies were still being carried out. Chris was prone to severe temper tantrums and was evidently barely mid-functioning if he was mute. Bob was paranoid and I honestly don’t blame him given his own perception of what special schools were due to the attitudes of his era.

Also Bob did in fact try to square away some time at home to teach Chris basic skills but they were always intercepted by Barb. She actually told her husband to shut up because he was being too loud trying to gasp educate their son.

 

[Fapcop]

You have to understand that in some parts of the country around the time Chris was a small child, lobotomies were still being carried out. Chris was prone to severe temper tantrums and was evidently barely mid-functioning if he was mute. Bob was paranoid and I honestly don’t blame him given his own perception of what special schools were due to the attitudes of his era.

Also Bob did in fact try to square away some time at home to teach Chris basic skills but they were always intercepted by Barb. She actually told her husband to shut up because he was being too loud trying to gasp educate their son.

Well, apparently at least some of Bob’s lessons stuck. I’m talking about the reports about Chris being able (at least in the past) to make a simple budget, pay the basic bills, and stick to said budget.

The problem is when Barb comes along and either “borrows” money from Chris, or spends some of his money on crap, which apparently has happened.

There is a reason why Bob chose Chris to be in charge of the finances after his death.

it was his father that set up the process for him, and then took his cut for "room and board" out of the monthly check. Chris was kind of a "cash cow" insofar as the Lumberjack was concerned.

That’s not treating your son as a “cash cow”, that’s treating him as an adult with an independent source of income.

I don’t know anyone above 18 who lives at home and has a job or a source of income, who aren’t expected to contribute in a similar way that Bob expected Chris to contribute.

Bob wasn’t taking advantage of his manchild son, he was trying to teach him that nothing is free and grownups have bills and responsibilities. Imagine if Chris had gotten used to having free rein over his 800$ tugboat to spend as he pleased, before Bob passed away.

And no Chris is not transgendered.

Completely agree on that point.

 

[Picklechu]

It was not a school for retards. Chris is autistic not retarded. It was the Grafton School in Winchester, VA. Chris is not low functioning despite what anyone may think. Low functioning autism is someone on the autism spectrum with an IQ of 69 or lower (i.e. an intellectual disability). Chris isn't stupid, he's extremely maladjusted. And yes, his father was responsible (in a manner of speaking). Chris never applied for disability, it was his father that set up the process for him, and then took his cut for "room and board" out of the monthly check. Chris was kind of a "cash cow" insofar as the Lumberjack was concerned.

What the heck would you expect? His father did not provide any kind of a role model on how to budget his money, write a resume, help him network to get some kind of full time job, seek counseling to learn how to interact wtih members of the opposite sex, seek out some kind of support group for people on the spectrum, and so forth and so on.

Fast forward to 2020, you have an almost middle aged man who is probably sufferes from schizoaffective disorder, is living on borrowed time as far as his finances are concerned. And no Chris is not transgendered. This whole thing started with this maladjusted tomgirl saga after "Jackie" told him he needed to have more empathy for the opposite sex. And yes, I totally agree with the analogy of comparing an imploded star to Chris. All Null is going to end up doing is banging his head against a brick wall. Nobody on this forum even comes close to having the type of expertise needed to help him.

Autism is retardation Kenmeth.

 

[Argh My Cigar]

I don’t know anyone above 18 who lives at home and has a job or a source of income, who aren’t expected to contribute in a similar way that Bob expected Chris to contribute.

Bob wasn’t taking advantage of his manchild son, he was trying to teach him that nothing is free and grownups have bills and responsibilities. Imagine if Chris had gotten used to having free rein over his 800$ tugboat to spend as he pleased, before Bob passed away.

I’m a little confused regarding the timeline where Chris loses his Wendy’s gig, attends and gets expelled from PVCC, and actually gets the SSDI. Not sure if it’s accurately documented anywhere, but did Chris get his tugboat after being kicked out of college for a year, or after the Wendy’s debacle? I mean, Chris still needed gas to drive to school, and clearly he had money to spend on shit at The Game Place (he’s also been going there since he was 17).

Bob might’ve intended for it to supplement a very basic CADD job (which wouldn’t really pay much to sustain Chris at 14BC) so he could keep living at home while working. I don’t think Bob ever intended to have Chris move out, but I’m definitely sure he expected him to “run the household” in some capacity. Bob was way too lonely in his old age to want to kick out the only child of his that didn’t completely hate him.

 

[The Dude]

You have to understand that in some parts of the country around the time Chris was a small child, lobotomies were still being carried out. Chris was prone to severe temper tantrums and was evidently barely mid-functioning if he was mute. Bob was paranoid and I honestly don’t blame him given his own perception of what special schools were due to the attitudes of his era.

Also Bob did in fact try to square away some time at home to teach Chris basic skills but they were always intercepted by Barb. She actually told her husband to shut up because he was being too loud trying to gasp educate their son.

Chris grew up in the 1980s, well after lobotomy had gone out of favor in the mental health sector. In the 1950s and 1960s medications to help stabilize and regulate brain chemistry were on the market and proving very effective at treating a wide range of mental illnesses and personality/developmental disorders, so lobotomy had become obsolete aside from VERY rare exceptions. Deinstitutionalization had begun in the 1970s since these medications allowed more and more patients who would have been kept in an asylum ten or twenty years before to live mostly normal, productive lives (and the horrible conditions in these hospitals had come to public awareness), and by the time Chris was in school most mental asylums had been shuttered. They wouldn't have lobotomized Chris. That's just stupid. They wanted him to be in a specialized school that could actually work with him and even teach him, along with making sure he was seeing a specialist in childhood Autism and taking medications that would have helped him be a lot closer to normal than he was.

Well, apparently at least some of Bob’s lessons stuck. I’m talking about the reports about Chris being able (at least in the past) to make a simple budget, pay the basic bills, and stick to said budget.

The problem is when Barb comes along and either “borrows” money from Chris, or spends some of his money on crap, which apparently has happened.

There is a reason why Bob chose Chris to be in charge of the finances after his death.



That’s not treating your son as a “cash cow”, that’s treating him as an adult with an independent source of income.

I don’t know anyone above 18 who lives at home and has a job or a source of income, who aren’t expected to contribute in a similar way that Bob expected Chris to contribute.

Bob wasn’t taking advantage of his manchild son, he was trying to teach him that nothing is free and grownups have bills and responsibilities. Imagine if Chris had gotten used to having free rein over his 800$ tugboat to spend as he pleased, before Bob passed away.




Completely agree on that point.

Exactly right. Bob was the only one who actually tried to set Chris up for success for his adulthood as much as realistically possible and teach Chris how to behave in polite society. He was the only one who tried to enforce healthy boundaries and get Chris to be responsible. The big reason Bob took Chris' money was because Chris had wracked up a shit ton of credit card debt both on Chris' credit and Bob and Barb's, so Bob told Chris that he would pay Bob a portion of his TardBux every month to pay off the debt.

 

[Fapcop]

Chris grew up in the 1980s, well after lobotomy had gone out of favor in the mental health sector. In the 1950s and 1960s medications to help stabilize and regulate brain chemistry were on the market and proving very effective at treating a wide range of mental illnesses and personality/developmental disorders, so lobotomy had become obsolete aside from VERY rare exceptions. Deinstitutionalization had begun in the 1970s since these medications allowed more and more patients who would have been kept in an asylum ten or twenty years before to live mostly normal, productive lives (and the horrible conditions in these hospitals had come to public awareness), and by the time Chris was in school most mental asylums had been shuttered. They wouldn't have lobotomized Chris. That's just stupid. They wanted him to be in a specialized school that could actually work with him and even teach him, along with making sure he was seeing a specialist in childhood Autism and taking medications that would have helped him be a lot closer to normal than he was.

Well. While most of the above is technically true, both Bob and Barb lives most of their adult lives when institutionalization and lobotomies were a thing. Treatment of autism was of course also in its infancy and many autists were just treated like regular slow-in-the-minds.

Deinstitutionalization was relatively new when Chris was born and would continue throughout the 80ies. (With very mixed results, may I add. While some of the old asylums were real horror stories, many weren’t, and filled a role that still hasn’t been replaced today.)

It’s no wonder that Bob: An older engineer and Barb: Your average white trash skank, weren’t exactly paying attention to the latest trends in psychiatry, but just assumed that an institutionalized Chris would be treated like the horror stories they had gotten used to hearing about, throughout their adult lives.

Exactly right. Bob was the only one who actually tried to set Chris up for success for his adulthood as much as realistically possible and teach Chris how to behave in polite society. He was the only one who tried to enforce healthy boundaries and get Chris to be responsible. The big reason Bob took Chris' money was because Chris had wracked up a shit ton of credit card debt both on Chris' credit and Bob and Barb's, so Bob told Chris that he would pay Bob a portion of his TardBux every month to pay off the debt.

Yeah, as I recall and according to the CWCki, Bob started off by taking 400$ a month from Chris’s 800$ tugboat for room and board.

(Which is fair. Chris likely was behind most of their electricity bill, and it’s just good parenting to try and teach your child that nothing is free and an 800$ paycheck doesn’t mean you have 800$ to spend frivolously.)

Later, that amount increased to 500 and then 580$ as Chris’s credit card spending got out of control, and Bob had to bail him out repeatedly.

More info on that?

Not anymore that hasn’t already been mentioned. In his latest podcast/stream Null told a story of getting contacted by Chris who wanted him to do something “that’s illegal everywhere in the world” and “always has been”.

While he didn’t specify exactly what Chris wanted him to do, he did make it sound like it wasn’t just your average felony.

 

[Mariposa Electrique]

Well, apparently at least some of Bob’s lessons stuck. I’m talking about the reports about Chris being able (at least in the past) to make a simple budget, pay the basic bills, and stick to said budget.

The problem is when Barb comes along and either “borrows” money from Chris, or spends some of his money on crap, which apparently has happened.

There is a reason why Bob chose Chris to be in charge of the finances after his death.

Yeah, but it's pretty funny that his propensity to get into money troubles outweighs his "check balancing skill". It's like teaching a crackhead about the dangers of crack. They don't care nor do they have the capacity to care, all they want is crack. The same thing goes for Chris, all he wants is that quick reward to buy toys. If he does keep the lights on, it's only so he can look at his junk, not so he can live and enjoy life.