Money Reverse mortgage

[Fapcop]

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.

Chris is autistic, maladjusted AND stupid/retarded to some extent.

I dare anyone who claims otherwise to watch one of Chris’s reaction streams, where he sits and giggles like an 8 year old over fart noises.

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.

That’s where his stupidity comes into play. And being raised with getting all the toys he wanted.

(Mostly the latter I suspect. Chris has done some scams over the years where basic math and a slight bit of intelligence was a prerequisite. Mostly thinking about the retail return scam his mother taught him.)

If there’s something he wants, he’ll get it.

You could even tell him: “Chris, this game will be on sale in ten days. If you wait till then, it’ll be 40% off!”

But nope. He’ll get it right away. Because when it comes to instant gratification, Chris is like a lab rat on coke: He’ll keep pressing that lever until it breaks or he’s somehow otherwise prevented.

 

[Mariposa Electrique]

But nope. He’ll get it right away. Because when it comes to instant gratification, Chris is like a lab rat on coke: He’ll keep pressing that lever until it breaks or he’s somehow otherwise prevented.

That's where higher brain functioning and delayed gratification come in. Even people raised like Chris who were born with normal intelligence would learn naturally about delayed gratification or they would get a better job, go to school eccetera to get more money to waste, but not Chris...he insists on predatory loans.

Mostly thinking about the retail return scam his mother taught him.)

Yeah, Barb taught him that. She taught him low level carnie wheeling and dealing and how to beg like a cheap whore, he didn't learn on his own. If it wasn't for that, he would have been busted for shoplifting more often or he would be dancing for pennies at a truckstop.

 

[Fapcop]

That's where higher brain functioning and delayed gratification come in. Even people raised like Chris who were born with normal intelligence would learn naturally about delayed gratification or they would get a better job, go to school eccetera to get more money to waste, but not Chris...he insists on predatory loans.

Intelligence, personality and how you’re raised all play a role here.

(Which of course brings us back to that ancient Christorical riddle: Who or what is most responsible for Chris?)

I recall some interesting experiment they did with toddlers. They can have a piece of candy or a small trinket right away, but if they choose to wait for a period of time they can have two.

The study showed a high correlation between success later in life, and the ability to delay gratification in the toddler.

It of course doesn’t take a PHD level psychologist to predict how Chris would have done. He’d grab the prize right away, and then expect an additional piece of candy as a reward for being able to take it by himself.

 

[The Dude]

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.



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.

Absolutely. Mental illness and retardation carried a very negative stigma for people from Bob and Barb's generations. Especially Bob's. It was common back when Bob was growing up for families that had mentally disabled children/family members to just drop them off at their nearest mental asylum and pretend like they never existed. Retarded children and mentally ill family members were the "dirty family secret" and were locked away unseen, sometimes in an asylum and sometimes in the attic/cellar, to spare the family the shame and embarrassment of anyone finding out about them. And while it's understandable that Bob would still have that stigma nagging at his mind, he was also a fairly enlightened guy for someone his age and having lived his life in that part of the country, so you'd hope he would have been a little more open minded and receptive to what the teachers and faculty were trying to tell them. Barb on the other hand, well I think she was a big part of the reason things played out the way they did. I think she got defensive and panicky, feeling her worth as a parent was being questioned and fearful the school district wanted to lock her little boy away in some facility, and once that notion hit her then that was that. She wouldn't hear another word about it and wouldn't entertain the idea that it was anything other than some nasty asylum where she would never see her baby boy again.

And I agree that we should have never fully deinstitutionalized like we did. There were facilities that provided quality, humane care for their charges and their loss is a disservice to the country. I do feel there should be larger, dedicated mental health facilities/hospitals/asylums again, but with better oversight than in decades past so the unethical and cruel treatment many facilities were known for doesn’t happen again.

 

[Hollywood Hulk Hogan]

I never listened to @Null's podcast before (I didn't even know he had one). He has a nice speaking voice

 

[MirnaMinkoff]

I’m confused because you can’t have three reverse mortgages- only one. You can, however, take two mortgages out on the same home, maybe three if you find a shady lender. Let’s say the home is worth $120k. Maybe Barb remortgage her home to get $30k, then another to get $20k, more and then again for $15k. Then there’s the whole refinancing thing that might have created the appearance of three mortgages because she refinanced to get more money out of the first or second one. I’m sure it’s a giant clustetfuck

Apparently you can have up to four mortgages (usually this is for multiple properties but it seems you can do it with one).

There’s no way she has three reverse mortgages. Apparently you can even get a reverse mortgage even if the house still has a traditional bank mortgage but the reverse mortgage company must have first lien position meaning you have to pay off any indebtness with your reverse mortgage and then can keep what’s left over.

 

[Fapcop]

Absolutely. Mental illness and retardation carried a very negative stigma for people from Bob and Barb's generations. Especially Bob's. It was common back when Bob was growing up for families that had mentally disabled children/family members to just drop them off at their nearest mental asylum and pretend like they never existed. Retarded children and mentally ill family members were the "dirty family secret" and were locked away unseen, sometimes in an asylum and sometimes in the attic/cellar, to spare the family the shame and embarrassment of anyone finding out about them. And while it's understandable that Bob would still have that stigma nagging at his mind, he was also a fairly enlightened guy for someone his age and having lived his life in that part of the country, so you'd hope he would have been a little more open minded and receptive to what the teachers and faculty were trying to tell them. Barb on the other hand, well I think she was a big part of the reason things played out the way they did. I think she got defensive and panicky, feeling her worth as a parent was being questioned and fearful the school district wanted to lock her little boy away in some facility, and once that notion hit her then that was that. She wouldn't hear another word about it and wouldn't entertain the idea that it was anything other than some nasty asylum where she would never see her baby boy again.

And I agree that we should have never fully deinstitutionalized like we did. There were facilities that provided quality, humane care for their charges and their loss is a disservice to the country. I do feel there should be larger, dedicated mental health facilities/hospitals/asylums again, but with better oversight than in decades past so the unethical and cruel treatment many facilities were known for doesn’t happen again.

I mean... It doesn’t take many minutes browsing the farms to make some pretty good arguments for (re)institutionalization.

Or take a walk in any major American (or European) city. Quite a few of the mentally ill homeless people you see, would probably be better off in some kind of institution. Maybe with a day pass kinda deal so they're not locked up 24-7.

I don’t think it’s an accident that de institutionalization came along at the time that critical theory and social Marxism started seeping into medical schools. The whole “mentally ill people are an oppressed class, and they and their community knows better what care they need than some rich, white doctor”-kinda thinking.

Well, that’s not the way the world works.

 

[BOONES]

I thought reverse mortgages were to pray on the elderly for easy money.

 

[Fapcop]

I thought reverse mortgages were to pray on the elderly for easy money.

Anything a bank does is an attempt at preying on X for easy money. That’s ultimately their duty to shareholders.

But if you’re 80 years old, got bills up to the wazoo, have 5-6 years left and don’t have a retard son who depends on your house then it’s something that makes pretty good sense.

 

[Mariposa Electrique]

Absolutely. Mental illness and retardation carried a very negative stigma for people from Bob and Barb's generations. Especially Bob's. It was common back when Bob was growing up for families that had mentally disabled children/family members to just drop them off at their nearest mental asylum and pretend like they never existed. Retarded children and mentally ill family members were the "dirty family secret" and were locked away unseen, sometimes in an asylum and sometimes in the attic/cellar, to spare the family the shame and embarrassment of anyone finding out about them. And while it's understandable that Bob would still have that stigma nagging at his mind, he was also a fairly enlightened guy for someone his age and having lived his life in that part of the country, so you'd hope he would have been a little more open minded and receptive to what the teachers and faculty were trying to tell them. Barb on the other hand, well I think she was a big part of the reason things played out the way they did. I think she got defensive and panicky, feeling her worth as a parent was being questioned and fearful the school district wanted to lock her little boy away in some facility, and once that notion hit her then that was that. She wouldn't hear another word about it and wouldn't entertain the idea that it was anything other than some nasty asylum where she would never see her baby boy again.

And I agree that we should have never fully deinstitutionalized like we did. There were facilities that provided quality, humane care for their charges and their loss is a disservice to the country. I do feel there should be larger, dedicated mental health facilities/hospitals/asylums again, but with better oversight than in decades past so the unethical and cruel treatment many facilities were known for doesn’t happen again.

Bob wasn't all that enlightened for his age claiming Obama was going to turn the Whitehouse black and failing to realize that mainstreaming only works with children who are high functioning.

 

[The Dude]

I mean... It doesn’t take many minutes browsing the farms to make some pretty good arguments for (re)institutionalization.

Or take a walk in any major American (or European) city. Quite a few of the mentally ill homeless people you see, would probably be better off in some kind of institution. Maybe with a day pass kinda deal so they're not locked up 24-7.

I don’t think it’s an accident that de institutionalization came along at the time that critical theory and social Marxism started seeping into medical schools. The whole “mentally ill people are an oppressed class, and they and their community knows better what care they need than some rich, white doctor”-kinda thinking.

Well, that’s not the way the world works.

Anyone who can honestly say that letting the mentally ill and developmentally disabled live, suffer and die on their own on the streets is more humane and preferable than having them in a mental health facility where they get food, care, supervision, and are able to bathe regularly, then they're either mentally ill themselves or have a major drug problem.

 

[Fapcop]

Bob wasn't all that enlightened for his age claiming Obama was going to turn the Whitehouse black and failing to realize that mainstreaming only works with children who are high functioning.

Well... Chris was, at least officially, high functioning.

I think the bigger problem is/was Bob’s background as an engineer and his logical thinking. If a machine is broken, you look at the plans, find the part that’s broken and replace it.

Your kid is broken? You figure out what’s wrong, work on it and fix it.

But humans don’t always work like that.

Bob never learned to understand Chris, which you can’t really blame him for. Fuck, I mean we’ve been trying to figure him out for over a decade and can still only sum up much of what Chris does with: “He’s a weird little man!”

As for Bob being “enlightened” I think he was pretty average for a middle class guy of his generation, leaning towards a progressive or centrist Republican.

I mainly get that from things like his love for UN, and his passion for traditionally Black music. At one gubernatorial election, we have Chris explaining how his dad isn’t sure to vote for the GOP or DEM candidate, since the GOP candidate is only for the rich or something along those lines.

As for Obama painting the White House Black? Meh, it was a joke and a funny play of words.

Was Bob racist by today’s standards? Sure, but so is everyone. But in his day, Bob was the classic “see no color” kinda Republican.

 

[Mariposa Electrique]

Well... Chris was, at least officially, high functioning.

I think the bigger problem is/was Bob’s background as an engineer and his logical thinking. If a machine is broken, you look at the plans, find the part that’s broken and replace it.

Your kid is broken? You figure out what’s wrong, work on it and fix it.

But humans don’t always work like that.

Bob never learned to understand Chris, which you can’t really blame him for. Fuck, I mean we’ve been trying to figure him out for over a decade and can still only sum up much of what Chris does with: “He’s a weird little man!”

As for Bob being “enlightened” I think he was pretty average for a middle class guy of his generation, leaning towards a progressive or centrist Republican.

I mainly get that from things like his love for UN, and his passion for traditionally Black music. At one gubernatorial election, we have Chris explaining how his dad isn’t sure to vote for the GOP or DEM candidate, since the GOP candidate is only for the rich or something along those lines.

As for Obama painting the White House Black? Meh, it was a joke and a funny play of words.

Was Bob racist by today’s standards? Sure, but so is everyone. But in his day, Bob was the classic “see no color” kinda Republican.

To be HFA, you can't have an intellectual disability and other somatic manifestations like hypotonia indicative of moderate genetic involvement.

 

[Hollywood Hulk Hogan]

Bob never learned to understand Chris, which you can’t really blame him for. Fuck, I mean we’ve been trying to figure him out for over a decade and can still only sum up much of what Chris does with: “He’s a weird little man!”

I wouldn't say Chris is little..

Spoiler

 

[Alrakkan]

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.

https://youtube.com/watch?v=cYLgtmD9WTk:2524One thing I didn't realize Chris had done to him was ask Null to ~"kill"~ someone. Yeahhhh.

I don't think it was murder. I think it was getting money out of someone's account, theft. See here for the bit about the crime, but keep watching for the 'but if you have someone causing you problems who has control of your accounts' bit. Murder AND theft have always been illegal everywhere save the CHAZ. Post Idea Guys, Chris might think the Farms will get him out of financial scams done by small groups of people. I wouldn't be surprised if he's got himself into some tranny/drug dealer/degenerate drama that involved him loaning/giving/getting conned out of money, then trying to get that money back by going to the Farms. How would Null be able to kill someone with access to Chris' accounts, mostly like US based, if Null's in Eastern Europe? Send off one of us to smack the bitch? That's what I think happened.

Spoiler: ARCHIVE OF THE CHRIS BIT

 

[Hexbox]

He’d grab the prize right away, and then expect an additional piece of candy as a reward for being able to take it by himself.

He'd do this today.

 

[Fapcop]

To be HFA, you can't have an intellectual disability and other somatic manifestations like hypotonia indicative of moderate genetic involvement.

Is that a recent change/development or was Chris just misdiagnosed?

Now that I think about it, I wouldn’t at all be surprised if he was diagnosed as autistic, period, when he was a kid.

But Bob and Barb started saying that: “Yeah, our Chris is autistic, but he’s high functioning!”

And that then, along the way became etched in Chris’s brain as “I’m a high functioning autistic!”

Funny to speculate on how Chris would react to being told that he was misdiagnosed and is just a regular autist.

 

[Mariposa Electrique]

Is that a recent change/development or was Chris just misdiagnosed?

Now that I think about it, I wouldn’t at all be surprised if he was diagnosed as autistic, period, when he was a kid.

But Bob and Barb started saying that: “Yeah, our Chris is autistic, but he’s high functioning!”

And that then, along the way became etched in Chris’s brain as “I’m a high functioning autistic!”

Funny to speculate on how Chris would react to being told that he was misdiagnosed and is just a regular autist.

It had to have been. They were always overestimating his capabilities. At several points, they legitimately thought Miyamoto and Sonichu were going to make him rich.

 

[Gooby]

I don't think it was murder. I think it was getting money out of someone's account, theft. See here for the bit about the crime, but keep watching for the 'but if you have someone causing you problems who has control of your accounts' bit. Murder AND theft have always been illegal everywhere save the CHAZ. Post Idea Guys, Chris might think the Farms will get him out of financial scams done by small groups of people. I wouldn't be surprised if he's got himself into some tranny/drug dealer/degenerate drama that involved him loaning/giving/getting conned out of money, then trying to get that money back by going to the Farms. How would Null be able to kill someone with access to Chris' accounts, mostly like US based, if Null's in Eastern Europe? Send off one of us to smack the bitch? That's what I think happened.

I assume it was murder because it made Null go hush-hush about it. Why would Null care about hiding Chris saying "take back my money for me, Null!", as if that's the sort of thing you would be shocked for Chris to say? Yes, that's illegal too, but it's not such an insane taboo that Null would refuse to say it out loud. Yes, Null mentioned "accounts", but that's because I would expect the message to be something like "those darn idea guys stole all my money! Null, you're powerful and have connections, order an assassin for 1 of them and tell da other he gotta pay me back WITH INTEREST!". Like, the motivation to kill was money, but the action Null was afraid to bring up was probably significantly worse than "take my money back for me", or he wouldn't step around the issue.

Also, note how everyone in chat keeps mentioning "lol Chris asked Null to kill a guy", and when Null finally responds to someone asking what it was in chat, Null says it's kinda obvious from context and he won't say more. If everyone was guessing the wrong thing Null wouldn't say it was obvious from context, that response only makes sense in the context of Null saying what he said, seeing a bunch of correct guesses in chat, and then silently ignoring those responses. If nearly all the guesses were wrong he'd be far more likely to assume the answer is not obvious at all, don't you think?

 

[Alrakkan]

I assume it was murder because it made Null go hush-hush about it. Why would Null care about hiding Chris saying "take back my money for me, Null!", as if that's the sort of thing you would be shocked for Chris to say? Yes, that's illegal too, but it's not such an insane taboo that Null would refuse to say it out loud. Yes, Null mentioned "accounts", but that's because I would expect the message to be something like "those darn idea guys stole all my money! Null, you're powerful and have connections, order an assassin for 1 of them and tell da other he gotta pay me back WITH INTEREST!". Like, the motivation to kill was money, but the action Null was afraid to bring up was probably significantly worse than "take my money back for me", or he wouldn't step around the issue.

This is a fair point. I'm still not fully convinced but I'd be lying if I didn't say I think this point had merit.