Future of the House

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There doesn’t seem to be any incentive for Barb to pay off anything. She’s not facing jail time over her debts or any other punishment she might care about. She can run out the clock and she knows it. See also: Pat Tomlinson.

I don’t think she’s doing it because she’s dumb (though she is). She’s doing it on purpose.
And Barb knows Chris is going to be left out in the cold after she's gone. I think instead of a miracle, Chris was an accident. I don't know of any parent who was willing to (emotionally) abuse some one as Barb had done to Chris. Even going so far as to not leave a will knowing that Chris can't fend for himself. Mother of the year, here.
 
Is it certain that he paid it off? He could have refinanced it or borrowed against the equity for some reason before paying it off. More likely if he had a 30 year loan.

The original mortgage on 14BLC was fully paid off in February, 2009. Two months later Bob and Barb took out a new 30 year mortgage in April, 2009. So far as I know, they didn't actually need this money for anything, and it likely went to buying more barbage.

I have a slight suspicion the Chandlers were that "special" class of financial geniuses who thought they needed a mortgage deduction on their taxes to "save money', not realizing the mortgage payments far outweigh the tax benefits (yes, there are people who actually do this).


I think he thought if his inheritance he left Barb, she would use it to pay it off.

I don't know what the fuck he was thinking. With their original mortgage paid off they should have had a tidy bit of extra income every month simply because they weren't paying it to the bank. Obviously someone at the Chandler household wasn't satisfied with that and thought they needed a huge lump sum of cash immediately. For reasons. It's been speculated it was needed to pay off Barb's credit card debts, except those were never paid off , and, high as they doubtless were, could not have been anywhere near the amount they borrowed in the second mortgage.


he knows he has to pay things off eventually after all...

Only because he knows he won't be able to buy more lego if he doesn't. That's pretty much the limit of Chris' financhu acumen.


Chris is not going to have a happy ending to his life, is he?

He never was, but there again, who does?


So I'm not an expert on house flipping but for hoarder homes that have been remediated what do they do about the massive amount of insects and vermin they attract?

Mostly it's just a big clean up. For bad cases like 14BLC, they strip them down to where the filth stops, fumigate them, and then seal them. Then rebuild. Vermin don't stick around where nobody's feeding them.


The fire took care of them.

Then Barb took care of them, for an entirely different meaning of "care".

Likely 14BLC is full of vermin again. They tend to rapidly breed in exactly the way Chris doesn't (and thank goodness for that). Remember, it took more than a year for the rental house they were put in to be cleaned out, repaired, and rented again.


And Barb knows Chris is going to be left out in the cold after she's gone.

Barb never cared about Chris beyond using him for her own wants and needs.
 
One look at Bob's life and I begin to wonder if the incels aren't actually onto something.
Broken clocks and one of the few truthful things Chris has likely said is Barb admitting she married Bob for him owning a house. Gold diggers is something people have known even back then but Bob had to be a drunken fool.
 
I have a slight suspicion the Chandlers were that "special" class of financial geniuses who thought they needed a mortgage deduction on their taxes to "save money', not realizing the mortgage payments far outweigh the tax benefits (yes, there are people who actually do this).
Or one of them used that money for a "investment" in something. Not sure if it was possible in USA that time, but in some european countries now it is possible to take a loan, put it into some low risk investment and make a profit. If you smart and into math (non-eurozone european countries have pretty big changes in interest rates time to time and/or have state bonds with not-so-small coupon, so it is possible to manage it - if one be able to take cheap credit). Probably profit will be (after deducting all costs) more like 2% per year compared to borrowed cash, but still a a option for someone with good credit history and pretty good math.

If someone is stupid, he will go with borrowed money to stock market and... it is gone :)

I'm not sure if even Barb and Chris will be able to throw into hoard a pretty big mortgage. It is possible, that something big is still undiscovered?
 
But seriously, I don't see the Chandlers doing that. Any of them.
Well, I'm a eurofag and just didn't know how it looks in USA, but in EU most preys of "investing scam" (to be clear: not a stricte scam like "gib me money and I will gib you more money" + run away by perpretator; rather in just offering someone not-so-smart a instrument that is just to sophisticated for the prey, e.g. buying CALL options from a house wife - in example, most of instruments was more complicated than options) are typicall or low-than-average people and small companies.

The point is, that I'm pretty sure that Bob in his last years was a potential target of something like that. He probably will be wise to not give Jordan Belfort a penny, but maybye he was enough stupid to buy "safe" corporate bonds. Why not?

I didn't tell that is any evidence or event a single clue, but the fact is that mortgage money have disappeared. Probably I'm just wrong with the spending habitats in rural parts of Virginia, but fact is I cannot figure out how they can waste a shitload of money. As I understood sonichu wiki, that was 130 000 USD in 2009. And it perished with no signs of life before 2016.

They loose 50 000 on attorney on a lost case, let's say another 20 000 - 30 000 on other legal spendings, but where go rest of it? They managed to turn 50 000 - 60 000 in barbage in just few years? Amazing in some way :)
 
Well, I'm a eurofag and just didn't know how it looks in USA, but in EU most preys of "investing scam" (to be clear: not a stricte scam like "gib me money and I will gib you more money" + run away by perpretator; rather in just offering someone not-so-smart a instrument that is just to sophisticated for the prey, e.g. buying CALL options from a house wife - in example, most of instruments was more complicated than options) are typicall or low-than-average people and small companies.

The point is, that I'm pretty sure that Bob in his last years was a potential target of something like that. He probably will be wise to not give Jordan Belfort a penny, but maybye he was enough stupid to buy "safe" corporate bonds. Why not?

I didn't tell that is any evidence or event a single clue, but the fact is that mortgage money have disappeared. Probably I'm just wrong with the spending habitats in rural parts of Virginia, but fact is I cannot figure out how they can waste a shitload of money. As I understood sonichu wiki, that was 130 000 USD in 2009. And it perished with no signs of life before 2016.

They loose 50 000 on attorney on a lost case, let's say another 20 000 - 30 000 on other legal spendings, but where go rest of it? They managed to turn 50 000 - 60 000 in barbage in just few years? Amazing in some way :)

Bob was old enough to be from a period where normal people weren't expected to make investments. If you didn't get into it when you were younger, you didn't really do it when you were older. You have some savings in an account that has minimal interest and you have your pension. Bob would remember the great depression from when he was a kid.

It's not like today when people are pushed to invest in shit all the time, or like during the tulip craze in the Netherlands in the 17th century. That's why grannies from that era stuffed $100 bills in mattresses.

If Bob did invest he was probably very conservative about it. Barb wouldn't invest in jack shit since she just spent Bob's money.
 
Bob was old enough to be from a period where normal people weren't expected to make investments.
Well, I was always thinking about Bob as a little more than a normal person in his good times. He earn his diploma in 1952, so it probably was something big in that days - and I'm more dedicated to "smart Bob get stupid and as a result marry a whore" thesis because he aimed to university before being enlisted in army. Two of his kids form the days of light earned PhD, so probably some ethics of science was present in his life in happy days.

That don't prove anything, but from our golden trio I just like Bob and feel sorry for him. He made some bad moves (frictional movements on women not for him) and evolved from a typicall old school smart guy to somebody eaten live by bugs.
 
Well, I'm a eurofag and just didn't know how it looks in USA, but in EU most preys of "investing scam" (to be clear: not a stricte scam like "gib me money and I will gib you more money" + run away by perpretator; rather in just offering someone not-so-smart a instrument that is just to sophisticated for the prey, e.g. buying CALL options from a house wife - in example, most of instruments was more complicated than options) are typicall or low-than-average people and small companies.

The point is, that I'm pretty sure that Bob in his last years was a potential target of something like that. He probably will be wise to not give Jordan Belfort a penny, but maybye he was enough stupid to buy "safe" corporate bonds. Why not?

I didn't tell that is any evidence or event a single clue, but the fact is that mortgage money have disappeared. Probably I'm just wrong with the spending habitats in rural parts of Virginia, but fact is I cannot figure out how they can waste a shitload of money. As I understood sonichu wiki, that was 130 000 USD in 2009. And it perished with no signs of life before 2016.

They loose 50 000 on attorney on a lost case, let's say another 20 000 - 30 000 on other legal spendings, but where go rest of it? They managed to turn 50 000 - 60 000 in barbage in just few years? Amazing in some way :)
This is all documented on the Sonichu wiki (https://sonichu.com/cwcki/Financhu_Crisis), but summing it up in the past Chris has lied at least once about needing a mortgage payment only to go spend it all on toys. In addition, Chris spends thousands on PSN games, and even more on LEGO and Transformers. If Bob ever did try and teach him how to manage money, Chris ignored it entirely.
 
One look at Bob's life and I begin to wonder if the incels aren't actually onto something.
Bob's only mistake was marrying Barb, even for gold diggers he stuck a pretty low note. Still, he was pretty old by then and probably jaded as all hell with life, Barb probably found him on a low moment and he stuck by her despite being able to score pretty much anything better. One thing I respect Bob for is his love for his family, he was a flawed man but you can't deny he loved Chris and Barb even if he was deeply misguided in how he raised him!

This is all documented on the Sonichu wiki (https://sonichu.com/cwcki/Financhu_Crisis), but summing it up in the past Chris has lied at least once about needing a mortgage payment only to go spend it all on toys. In addition, Chris spends thousands on PSN games, and even more on LEGO and Transformers. If Bob ever did try and teach him how to manage money, Chris ignored it entirely.
Bob mentioned before that Chris is very bad with maths and money, knowing that and his absolute lack of any impulse control, the worst thing Chris could ever have in his hands (financially speaking) is a credit card. Banks make money from financially illiterate and/or desperate people, and Chris is a stellar fucking example of both, even if you're not a retard with no impulse control it's absurdly easy to lose track of your credit card expenses and they just throw unsustainably high spending limits on guys that are knowingly unable to pay them off. You could give Chris a million dollars and he would piss them all away as quickly as he could while mostly ignoring useful expenses!
 
Bob's only mistake was marrying Barb, even for gold diggers he stuck a pretty low note.

I'm always baffled that Bob married Barb before she got pregnant with Chris. I often wonder just what Bob's first wife was like that Barb would seem an improvement to him.
 
One thing I respect Bob for is his love for his family, he was a flawed man but you can't deny he loved Chris and Barb even if he was deeply misguided in how he raised him!
honestly its damn depressing how much his family didn't seem to love him back.

Barb only married bob for his house and wasnt intimate with him for years before he croaked. Chris has been coming off lately seeming like he only loves the idea of his dad and the stability he made then the man himself. Carol didnt even show up to his funeral. Idk about david but he at least had the decency to actually show up to the funeral.
 
Barb only married bob for his house and wasnt intimate with him for years before he croaked. Chris has been coming off lately seeming like he only loves the idea of his dad and the stability he made then the man himself.
The details about Barbara's sex life before, with and after Bob as well as her "only marrying him as he had a house" is mostly from one of Chris' post-hospital letters (https://sonichu.com/cwcki/Jail_Letter_-_11_May_2022). In his letters following the hospital he's been mostly blaming Barb for coming on to him, that the incest never occurred, and several other excuses. It is possible it is all a big bunch of lies, considering Chris is known to be a compulsive liar.
 
I'm always baffled that Bob married Barb before she got pregnant with Chris. I often wonder just what Bob's first wife was like that Barb would seem an improvement to him.

Bob didn't leave his first wife for Barb. He was already divorced when they got together and retired. I think he was a lonely, bored old man who had very little in his life to bring him joy and a sense of worth. Then here comes a woman nearly 20 years younger than he was who seemed really into him. I think his loneliness and desire to have someone in his life again blinded Bob to the fact that Barb was just a greedy gold digger who only wanted him for financial security and personal gain. I think had Chris not been born he would have eventually left Barb. I think he stayed married to her because he felt that's what was best for Chris. I think he genuinely loved his son and saw Chris as a second chance to have a good, loving relationship with one of his children.
 
Bob didn't leave his first wife for Barb. He was already divorced when they got together and retired.

I know that. My point is most men Bob's age would have learned their lesson. How awful was Bob's first marriage that he'd be willing to make the same mistake with Barb?
 
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