Money As you all should Very Well Know FB 9/24

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Nothing about anything Chris says seems intentionally deceptive to me. I think it's that he says ridiculous things with such confidence that they often come across as disingenuous or untrue.
His true crime is neglect and laziness. He really does mean the things he claims, but only because he doesn't put in enough work to understand the reality of his financial situation.
 
I shall reiterate the favorite response these days towards anything Chris has been doing; GODDAMMIT CHRIS.

Makes me wonder what the next surprise he's got up his sleeve.
 
His true crime is neglect and laziness. He really does mean the things he claims, but only because he doesn't put in enough work to understand the reality of his financial situation.

I think that's the thing that trips people up a lot - Chris lying knowingly versus misleading through ignorance. He's not lying about the condition of the car with the cracked engine block because he has no concept of the time, money, or energy required to fix or replace it. It's been said a hundred other times at least, but when he intentionally lies it's so blatant and so obvious that no one believes it from the get go.

People who believe something, really really believe something, aren't "lying" in the conventional sense. They just don't know any better and are spreading misinformation. Look at people who believe in Cemtrails, or 9/11 Truthers - some are shysters trying to fleece easy marks, but many people are just uneducated rubes who are scared of a world they don't understand and latch on to things that make sense. Or they believe eating fat free snack food is healthy and not the reason they are 400lbs.

I don't think he's lying when he says things like that. He's just painfully ignorant.
 
I think that's the thing that trips people up a lot - Chris lying knowingly versus misleading through ignorance. He's not lying about the condition of the car with the cracked engine block because he has no concept of the time, money, or energy required to fix or replace it. It's been said a hundred other times at least, but when he intentionally lies it's so blatant and so obvious that no one believes it from the get go.

People who believe something, really really believe something, aren't "lying" in the conventional sense. They just don't know any better and are spreading misinformation. Look at people who believe in Cemtrails, or 9/11 Truthers - some are shysters trying to fleece easy marks, but many people are just uneducated rubes who are scared of a world they don't understand and latch on to things that make sense. Or they believe eating fat free snack food is healthy and not the reason they are 400lbs.

I don't think he's lying when he says things like that. He's just painfully ignorant.
Oh my yes. Like when he claims to eat healthy and exercise (in addition to most of the ABL dialogues) he's full of transparent BS. But he actually does believe Sonichu is the coolest and his comic was brilliant. And a bunch of other crap he likes to believe is true.
 
Yeah, his lies are almost always self serving and very flimsy, like when he was talking to Kacey.

I think his lies tend to be refutations of things that make him feel uncomfortable. A general "Chris is lying" conversation:

:ween: "Chris, you're fat and out of shape!"
:mad: "No I'm not! I eat good food and exercise every day"
:ween: "You don't exercise, you can't even do a single pull-up"
*sigh* "Well. Hmmm...yeah. But I eat the Good Food every day!"
:ween: "No. You eat at McDonald's every day."
:( "Hmmm. Yeah. Well, somedays I do not. Yesterday I shoved vegetables down my throat!"
:ween: "No yesterday I saw you at McDonald's. You were eating four Big Macs. And dipping them in a bucket of Crisco like it was barbecue sauce."
:'( "This hurtful truth level trolling is causing me much emotions and distress. It starting as a pain in my chest and extending down my left arm... :heart-empty:"
:ween: "Chris, go to the hospital. Get to the ER now. Please!"
:twisted: "Hospitals are expensive!!"

OK so now that I've amused myself... I really think that for the most part when Chris lies, he's doing it because he's trying to evade emotional discomfort, or guilt. Things like the mechanic cracked the engine block when it was really Chris. Or any discussion about his health. He can (and usually is) almost immediately called on his lies, at which point he retreats to another lie. He kind of always stays in that comfort zone created by lies. I don't think a lot of his lies are malicious, they're simply an immature reaction to negative feelings.

EDIT: LOL ok tag me late. This shit took forever to write.
 
I think his lies tend to be refutations of things that make him feel uncomfortable. A general "Chris is lying" conversation:

:ween: "Chris, you're fat and out of shape!"
:mad: "No I'm not! I eat good food and exercise every day"
:ween: "You don't exercise, you can't even do a single pull-up"
*sigh* "Well. Hmmm...yeah. But I eat the Good Food every day!"
:ween: "No. You eat at McDonald's every day."
:( "Hmmm. Yeah. Well, somedays I do not. Yesterday I shoved vegetables down my throat!"
:ween: "No yesterday I saw you at McDonald's. You were eating four Big Macs. And dipping them in a bucket of Crisco like it was barbecue sauce."
:'( "This hurtful truth level trolling is causing me much emotions and distress. It starting as a pain in my chest and extending down my left arm... :heart-empty:"
:ween: "Chris, go to the hospital. Get to the ER now. Please!"
:twisted: "Hospitals are expensive!!"

OK so now that I've amused myself... I really think that for the most part when Chris lies, he's doing it because he's trying to evade emotional discomfort, or guilt. Things like the mechanic cracked the engine block when it was really Chris. Or any discussion about his health. He can (and usually is) almost immediately called on his lies, at which point he retreats to another lie. He kind of always stays in that comfort zone created by lies. I don't think a lot of his lies are malicious, they're simply an immature reaction to negative feelings.

EDIT: LOL ok tag me late. This shit took forever to write.
This is almost on target. When you say "Chris, you can't do a single pull-up", he doesn't accept that to mean he doesn't exercise. He says he walks around target or walmart or whatever, and that counts as a lot of fucking exercise (in his mind). Similarly, he doesn't eat bigmacs. He eats chicken sandwiches (healthier) and he gets the apple slices that he covers in the sugary caramel goop.

At the end of the conversation, he hasn't lied. He's just really, really stupid.
 
If Chris budgete carefully, he and Barb might have had enough money to move to a swanky suburb of Charlottesville. Perhaps even a D.C suburb! ( Just kidding. I do hear tho that D.C suburbs are quite "country clubby)
 
If Chris budgete carefully, he and Barb might have had enough money to move to a swanky suburb of Charlottesville. Perhaps even a D.C suburb! ( Just kidding. I do hear tho that D.C suburbs are quite "country clubby)

Some suburban places in Northern Virgina like Arlington and Alexandria are pretty swank. Mostly tho, they're Ruckersvillesque.
 
I was one of the strong proponents of considering Chris a liar, but with some more thought on this, I think that is not the case. Concerning the Craigslist ad, yes, that thing is full of exaggeration and lies. Although I think those lies come from Barb, not Chris. Chris was just transcribing what Barb was telling him. She knows that car is not worth what she is asking. She knows that she will expect far more money to do the repairs herself. I would not put it past her to be the one continually nagging Chris about her teeth and taking money from him only to spend it on her own selfish wants.
 
Did you really just say that?

I said this:
skyraider91 said:
If he budgeted carefully, his $1300 a month tugboat would be enough to pay the bills for a small place in rural Virginia. But Chris is an disorganized, incompetent impulse spender, so that's never going to happen, and as things are now, he couldn't survive on his own.
Please note:
skyraider91 said:
If he budgeted carefully, his $1300 a month tugboat would be enough to pay the bills for a small place in rural Virginia. But Chris is an disorganized, incompetent impulse spender, so that's never going to happen, and as things are now, he couldn't survive on his own.
 
Chris has the means to move out. If he budgeted carefully, his $1300 a month tugboat would be enough to pay the bills for a small place in rural Virginia.

Out of curiosity, I checked Craigslist to look for cheap apartments in his area. This apartment is only $375 a month for a 2 bedroom. Unfortunately, then you get to the section that lists the qualifications:

Prequalifications:
Income of $1300 a month
Held a job for a year
Good credit report
2 Pay stubs
$20 application fee per applicant

Chris has no job, no pay stubs, and I'm sure his credit is terrible (even more so after he defaults on the new car.) On the other hand, there must be places that rent to people without a job (retirees, or SSDI recipients like Chris), but I wonder if those places would still do a credit check and deny him based on that.
 
Chris has no job, no pay stubs, and I'm sure his credit is terrible (even more so after he defaults on the new car.) On the other hand, there must be places that rent to people without a job (retirees, or SSDI recipients like Chris), but I wonder if those places would still do a credit check and deny him based on that.
Awhile ago, I had a close friend that because of a domestically abusive ex-boyfriend, had moderate-severe brain damage. She could function and hold down certain jobs, but she had certain mental oddities and patterns of illogical behavior that made some assistance in her life necessary.

To that end, she lived in a complex like you described, a place that rents specifically to people on SSDI. To my knowledge, there wasn't a credit check. I am aware though that quite a few of the people living there had been declared "financially incompetent" and they had assistance in paying the bills like rent and utilities.

I am unsure of whether Chris would qualify to live in such a place, or whether such a place exists out in the sticks of Virginia. I would assume there are at least one or two "Assisted Living" facilities for retirees, which Barb might qualify for but Chris would not.

Generally, I agree with your post. Living independently would be difficult to impossible for Chris.

It boggles my mind that one of my exes that had cerebral palsy was declared financially incompetent for his SSDI with little proof, yet Chris remains untroubled by such a case being made.

My ex eventually won his case to get his SSDI back in his control, but mostly because he was already studying a great deal of disability law and worked hard for it.

Chris would likely whine to no avail and not even begin to have the resources to fight such a declaration, and it may be for the better if that happens eventually.
 
Out of curiosity, I checked Craigslist to look for cheap apartments in his area. This apartment is only $375 a month for a 2 bedroom. Unfortunately, then you get to the section that lists the qualifications:
Chris has no job, no pay stubs, and I'm sure his credit is terrible (even more so after he defaults on the new car.) On the other hand, there must be places that rent to people without a job (retirees, or SSDI recipients like Chris), but I wonder if those places would still do a credit check and deny him based on that.

It is not necessarily as hard as you think:

1. A lot of places will look at it by asking themselves if the tenant can afford it. They can be flexible about these things. For example, they say "hold a job for a year" but I am sure they would be happy to take somebody who had just switched jobs to relocate to Charlottesville for a steady, well-paying job.
They seem to have calculated that someone needs $1300 a month to afford the $375 rent and also have food and gas and so on. Chris and Barb together easily have that much, and they can be more confident of that than, for example, a couple who each work parttime retail 20 hours a week. I have a fairly non-standard income stream, and I have rented from various sources, from big landholding companies, to small landlords, to sublets. Every time I have rented, I have been able to explain that my income is high enough, but it comes from multiple places in odd intervals. Sometimes they say "can you show us some more proof of that" but I have always been accepted. I don't know about this place in particular, but individual specific Barb and Chris factors aside, I would imagine most landlords who rent apartments for less than $500 would be happy to rent to a senior citizen and her disabled son who get $2000+ of support a month from the government.
The main problem they will have is credit. Although a lot of places care more about your record of paying for housing. So if they have a good record of paying their mortgage on 14BLC they might pass the standard. If they could get someone (maybe Rocky?) to co-sign it would be even better.

2. 2 bedroom apartments for less than $500 don't attract "ideal" tenants. Most households that clear $50000 + a year are going to look at the $375 apartment and say "OK, what can we get for $800 a month." I say this intending no disrespect to anyone here. I have lived in my share of shitty places. If you are offering housing that low-income people can afford, you are pretty much only going to get low income applicants.

On an unrelated note, application fees are red flags. It is taking money for provideing no service. It also is really easily abused. You find a guy you like who wants to move in next month, sign a lease with him, and then let other people "apply" for nothing for $20 a pop. You say you have a unit opening up when there isn't one, and collect $20 from a bunch of interested parties, and give a kickback to the tenant of that unit. A guy comes in who you know you won't rent to, because his income is not high enough or something, but instead of telling him, you tell him to pay $20 and apply. Where I live it is illegal, and landlords who find ways of getting around that are considered super-shady.
 
Out of curiosity, I checked Craigslist to look for cheap apartments in his area. This apartment is only $375 a month for a 2 bedroom. Unfortunately, then you get to the section that lists the qualifications:



Chris has no job, no pay stubs, and I'm sure his credit is terrible (even more so after he defaults on the new car.) On the other hand, there must be places that rent to people without a job (retirees, or SSDI recipients like Chris), but I wonder if those places would still do a credit check and deny him based on that.

I'm sure that there are going to be people who are going to say that $1300 a month isn't enough to live on, and for many areas of the United States, that's correct. But rural Virginia is a relatively cheap place to live. Chris could find a cheap studio apartment, rent a room in a trailer, or even try to get government subsidized housing because he's a welfare recipient.

The key is that when I say that $1300 a month is enough to live on, I mean that it's enough to pay for the essentials for one person. Chris wouldn't have any money to spend on fast food, a nice car, a new TV, or perhaps even cable/satellite TV or internet, but he would have enough to pay the bills each month. $1300 a month would be enough for rent, utilities, groceries, and perhaps a cheap car. Chris would have to give up fast food, legos, and other impulse spending to get by, and Chris just isn't willing to do that. Chris has a history of learning things the hard way, if at all, and I think that it's literally going to take Chris getting evicted or having his stuff repossessed to learn that he has to live within his means.
 
Chris has a history of learning things the hard way, if at all, and I think that it's literally going to take Chris getting evicted or having his stuff repossessed to learn that he has to live within his means.
I actually can't even imagine him learning about living within his means from getting his stuff repossessed or from eviction. I can picture lots of angry Facebook posts about the dang dirty trolls at the bank (and anyone remotely connected with them), taking his stuff without understanding that he needed to spend the money on Lego that month, and lots of begging for donations, but that's about it.

But otherwise, yes, I completely agree that Chris should be able to get by on his own, and just about anyone else with his income would be able to do it.
 
I'm sure that there are going to be people who are going to say that $1300 a month isn't enough to live on, and for many areas of the United States, that's correct. But rural Virginia is a relatively cheap place to live. Chris could find a cheap studio apartment, rent a room in a trailer, or even try to get government subsidized housing because he's a welfare recipient.

The key is that when I say that $1300 a month is enough to live on, I mean that it's enough to pay for the essentials for one person. Chris wouldn't have any money to spend on fast food, a nice car, a new TV, or perhaps even cable/satellite TV or internet, but he would have enough to pay the bills each month. $1300 a month would be enough for rent, utilities, groceries, and perhaps a cheap car. Chris would have to give up fast food, legos, and other impulse spending to get by, and Chris just isn't willing to do that. Chris has a history of learning things the hard way, if at all, and I think that it's literally going to take Chris getting evicted or having his stuff repossessed to learn that he has to live within his means.
This.

Although, I would say it's not that he's not willing, he just has no reason to do it right now. Despite their financial troubles right now, Chris and Barb can still piss away their money on stuff. If things were bad enough that Barb and Chris couldn't afford luxury items, they wouldn't be buying luxury items. It's as simple as that.

If Chris doesn't die of the taint piercing, I always say that his post-Barb survival sits entirely on if Rocky's around. I think someone like Rocky could train Chris to live within his means in that sort of situation. And yeah, he'd be super miserable because he couldn't indulge like he does now. But I think he could do it.

Hell, I'm sure that situation would motivate Chris to get a job. When he is miserable and can't afford all his stupid crap, he would put a lot more effort into getting and maintaining a job.
 
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