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An old friend of mine is on a collision course with disaster! (Long post)

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NightTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-11-04 03:40 PM
Original message
An old friend of mine is on a collision course with disaster! (Long post)
I've known Jack since 1988. Despite our 25-year age difference, we became friends and have been in semi-regular touch for sixteen years.

Now, I'm pretty well addicted to music, to a point at which I've spent several hundred dollars at a clip on records and CDs when I had the money. However, I always made certain that I first took care of my basic monthly obligations, such as food and rent.

Jack, too, is a music addict (that's why we're friends!), but his spending habits are considerably less responsible than mine. The whole time I've known him, Jack has spent whatever he wanted on records and CDs. Then, and only then, would he think about paying his mortgage, electric and phone bills, car insurance, etc. And if he had spent all his cash on music, then Jack would let the other stuff slide. Small wonder that three different women divorced him!

As an aside, Jack also has had problems in the past with addiction to alcohol and narcotics. He was able to overcome those problems, but his obsessive/compulsive personality obviously has redirected itself toward his music-buying.

Anyway, Jack reached a major low point a few years ago, when he lost his house due to non-payment of his third mortgage. He had money to pay the damned thing, but instead spent it on, you guessed it, CDs. It is no exaggeration that Jack lost that house because of his CD collection! Now, Jack rents a place one town over from where his old property is located.

When Jack retired last year, his 401(k) had $20,000 in it. Today, it's all gone. To say that he went ape shit with that money would be an insult to our simian friends! Along with CDs, Jack also inexplicably invested in such things as a kayak, a $250 shrink-wrapping machine he got from an infomercial, hundreds of dollars worth of Bible-study books, a special radio that allows him to pick up faraway AM stations that broadcast obscure oldies music, and an $80 flashlight that he claims will last him ten years or more.

Having pissed through his $20,000 retirement account in less than a year, Jack now has to survive on about $1,000 a month in Social Security benefits, and he's not making ends meet. His rent alone is $700 a month!

Now comes the worst part.

Not too long ago, Jack heard from his sister in Maine (five minutes from the Canadian border), with whom he hadn't been in touch in longer than 20 years. There was no animosity between them; they simply weren't close, likely due to her being 12 years his junior. Whatever the case, Jack's sister had somehow heard about his predicament, and had an offer for him. The sister knew of a 14- by 66-foot trailer for sale a couple of towns over from her, and offered to put a deposit down on it for Jack. The sister would put the deed in her name, and Jack would pay her rent for the trailer.

So last weekend, Jack drove 12 hours to Maine (a state in which he had never been in his life) to see this trailer. Long story short, he has decided to buy the place and relocate to Maine. He came back to Connecticut after only four days up there and is hellbent on relocating.

I, and his other friends in Connecticut, all think that Jack is making a serious mistake! For one thing, we're suspicious of his sister, who all of a sudden appeared out of nowhere with this offer of a trailer. We're afraid that she may have gotten stuck with a lemon and is trying to pawn it off on Jack, who is gullible as hell. (Jack's extreme gullibility is a whole other story!)

Despite his considerable skills as a handyman, Jack never checked the trailer out in any detail. All he cared about was whether his CD collection would fit in the trailer, so he spent his time up there with a fancy-shmancy tape measure, taking measurements of the place so he could compare it to his house in Connecticut. And that was *all* the checking he did! Hell, when I asked if the trailer had a phone line, all Jack could tell me was, "I don't know."

Several of us who count ourselves among his friends have tried talking to Jack about his rash decision, urging him to think it through before he makes such a life-altering move. But he has it in his head that he can no longer afford to live in Connecticut, and has no choice but to take the trailer in Maine, which he calls "the opportunity of a lifetime." We've pointed out to him that his "rent" would be only a fraction of his expenses. For example, what about heating his trailer during those long, bitterly cold Maine winters? But Jack remains convinced that he can live cheaply in Maine, to a point at which he'll have the $10,000 mortgage paid off in just two years.

Did I mention that the trailer, and the lot it comes on, is only $10,000? Jack apparently is unfamiliar with the cliche, "You get what you pay for." As for his being able to pay the moirtgage off in just two years, I can't help but wonder where my old friend gets his math skills!

What we all find particularly troublesome is that Jack has not demonstrated the slightest hint of excitement or anticipation about his pending move. It seems to us that he really doesn't want to leave Connecticut, but is going anyway. We're afraid that once he gets up there, Jack will realize that he made a mistake, but with no money to move again, he'll be stuck in Northern Maine for the rest of his life.

Jack has had previous problems with depression, which we're concerned will rear its ugly head again once he's in Maine, hundreds of miles from anybody who knows or gives a shit about him. (His sister lives a half-hour from the trailer she's pawning off on Jack, but we've our doubts as to whether she'd be willing to help him out if Jack should need it.)

Anyway, I've rambled on long enough. I'm just very worried about Jack, who I'm convinced is about to make the biggest mistake of his life. And that's saying a lot if you know Jack!

What to do, what to do? :(
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Susang Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-11-04 03:46 PM
Response to Original message
1. I think you're right to be worried about him
I'm not surprised that he's had problems with depression. Does he see a doctor or therapist regularly? Does he take medication for his mental issues? He strikes me as a hoarder and that's definitely in the OCD spectrum.

The only thing I can think of to suggest is to thoroughly check out the sister. Perhaps, if possible, contact her and find out if she's aware of the additional issues that your friend has to deal with. Perhaps she's just clueless and honestly thinks that what she's doing will be helpful.
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Skittles Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-11-04 03:46 PM
Response to Original message
2. first
Jack needs intensive therapy; there is something very bad at the root of his need to shop with such dire consequences. As far as his sister goes, without knowing her it is impossible to know her true intentions. I can certainly understand your concern. But I also know it would seem that Jack at this point has few choices.

I would try to get Jack to delay making a decision at this point and try to convince him to get some therapy.
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testing123 Donating Member (617 posts) Send PM | Profile | Ignore Sun Jul-11-04 03:51 PM
Response to Original message
3. He needs some help and he can get it (Financially)
With the amount of money that he gets each month he can get food stamps and help with his utility bills.

He can also apply for a section 8 voucher and be put on a waiting list for a new apt.

Depression can break you down please stick around for him he needs someone or he might harm himself.



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NightTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-11-04 04:52 PM
Response to Reply #3
4. That Jack might harm himself is exactly what concerns me.
Particularly if he's hundreds of miles away from his circle of friends in Connecticut!
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testing123 Donating Member (617 posts) Send PM | Profile | Ignore Sun Jul-11-04 04:57 PM
Response to Reply #4
5. Can someone go and stay with him for a few weeks?
Edited on Sun Jul-11-04 05:05 PM by testing123
I would do it if he were my friend and I had time off.

Try and find someone that will go and help him out.

Also, Chapter 13 will help him if his bills are after him.

Let us know how he is doing.

Someone needs to go and visit him and possibly clean his house, do his laundry and cook for him because that would help him out.
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NightTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-12-04 12:17 AM
Response to Reply #5
6. Hmm....
You know, that's not a bad idea! Thanks for the suggestion. :hi:
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testing123 Donating Member (617 posts) Send PM | Profile | Ignore Mon Jul-12-04 12:21 AM
Response to Reply #6
7. Your welcome
I know someone that needs help right now and I am worried about him badly.

Don't look back have someone to go and if you can go and help him please do.

His place is probably a mess right now and he needs order around the house in order to pick up the pieces of his life that have fallen apart.

If he is the one that is in foreclousure he can stop them from taking his house by filing a Chapter 13 and if he doesn't have money for a Lawyer the court will help him file the paperwork and that will stop them dead in their tracks from taking his house.

Go out and help him if you can.

You are a good friend.


:loveya:
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JSJ Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-12-04 01:25 AM
Response to Original message
8. a kayak is a good acquisition- especially in Maine n/t
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NightTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-12-04 02:15 AM
Response to Reply #8
9. Well yeah, but that's not really the point.
The point is that Jack pissed through his $20,000 retirement account in a single year and is now hurting financially because of it.
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saracat Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-12-04 04:37 AM
Response to Original message
10. Maine isn't that far away.
Why don't you drive up and check out both the trailer and the sister?I don't see how one could "pawn off' a trailer. It isn't like a car. It sounds as though Jack might have communicated to his sister about his financial crisis.I think Jack is an addict and obsessive compulsive but that is just a guess based on what you said. He might end up using his sister and everyone else to satisfy this habit. He might be willing to move not because he likes Maine or the trailer but to find a way to get more cash for the addiction. It is almost impossible to talk reason with such people because they are in the grip of an obsession.But I would definitely give myself the piece of mind of checking out the circumstances before any permanent decisions are made.But I will say it sounds unlikely Sis wants him for his money!
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NightTrain Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-12-04 09:55 PM
Response to Reply #10
11. It's 12 hours one way.
When you live in a little, tiny state like Connecticut, that's far!
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saracat Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jul-13-04 01:04 AM
Response to Reply #11
12. I used to live in Conn.I went to school there too.
We had a house in Winsted Conn. and I went to school in Hartford.I don't know where you are so I shouldn't have said.But I do remember driving to Maine and it didn't seem far.Still,12 hours is not impossible for a friend.I still think someone,if not you should check it out.
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