A Horrible Conversation about Debt.

September 10, 2013

I had an extremely upsetting conversation with this person about 17:00 yesterday.

I had written Revenu Quebec about the Shelter Allowance problem and the woman, after ringing my room about three full times separately in a small amount of time (I was unable to answer and heard it all three times), proclaimed that not only do I not qualify for this subsidy I was not entitled to receive  the Solidarity Tax credit as well.  In other words I would be receiving a lot less and would have to pay extra money to boot. 

Now this is an enormous amount of money.  We are talking about twenty percent of the money that I live off of.

I tried to explain that I have a chartered accountant and that the rent is more than 1/3 of my living expenses but she insisted in saying the same thing.  Not only that, she called me late at the end of the day and gave the bad news with absolutely no concern about my personal distress or feelings.

People like this scare the hell out of me

The Powerful and their Business

Just an aside, have you ever spoken to someone really rich?  I have spoken to Queen Elizabeth.  I asked the obvious a very poor person would.  How could you use all the space in a castle?   I mean why don't let some servants use some of those bedrooms? those places have lots of bedrooms.  This is what she replied.
First of all I use all those bedrooms myself.  They all have different functions.  Second of all for me to be very rich I have to have an extraordinary amount of money and stuff.  Otherwise I wouldn't be really wealthy.

So as for powerful religious orders who work with the poor.  Let me state they do not give to the poor.  Okay? They work to get money from the poor.  The money goes to very few wealthy people.  Otherwise they would not be a rich order okay. Its a business.

Its a nice business as businesses goes.  Buts its a business and a cut throat one at that.  Just think of all those movies about clerics with political aspirations.  You have to have a lot of money to get a position in Rome  Really.

Two Kinds of Problems and a Solution

Okay so people have some deep problems when they come to my side of the house.  The way the problems are solved run into a few categories


What I Cannot Solve.

There are problems that are not solvable.  It is best to just live with them and not complain   People literally die that way.  In this house as in the house before, when the loss became too much we are called insane and given tranquillizers. it is best not to dwell on this.

Or solve your problems and lose yourself in unpaid work.  No matter how much you go on pilgrimages and go to pray it is always the same solution. Work for the poor. There is only one way: unpaid.

What I can Solve

Okay now that I have done all that, it is time to break the cycle. First of all I should look for a place that encourages enjoyment of your accomplishments and payment for your labour.  If I even ventured a place that encourages the enjoyment of luxuries, would I be pushing it?

Frankly if I do not think that I can get to such a place, I would somehow curl up and die.

So the question is..... how can I do this.  I mean, where do I start?

Same Thing with the Material Possessions

Its the same thing with the material possessions.
 After several times, working a huge a lot, being successful and getting money for that what happens?   it is immediately confiscated.

you begin to think of other things to do with the money.  One is to collect furniture and stuff for the house so at least you can enjoy a reward from your work.  Another is to go travelling.  So okay my parents did that.  But what is left for me after they die? Never mind that, my father died bed ridden and my mother is now bedridden.  Can they benefit from selling some of the less important  furniture? No. 

So with all the taxes that are incurred when they are sold, it is almost not worth the effort to sell them in the first place.  Yes I know that the estate tax  is not a big one.  However there is another one. Forget about sixty percent.

My brother is all for calling the Salvation Army and getting rid of the furniture and the house as fast as possible instead of wasting time on it and having all the compensation  go else where and pronto.   I mean you might as well be trying to better your life and making money.

Where I stand this seems to be the status quo.  I don't know why at all I write about saving the estate in the first place if all this effort is no use to me.  Personally.

Its a painful situation.

Before you Do Anything With the Money put it in the bank: Part Two

So when I was a young adult I earned a windfall: several million dollars.  What happens.  I go to the bank to put the money there for safekeeping and the bank managers standing at the door.  He says go to hell. Ask your father.

My father says you asshole.  You can't do anything.  So I ask what do I do with the money.  My father says Go to Hell.

So he's my father right?  So I ask him if he wants it  because he will give something back in return. he says obscenities about me again and he says if he takes it he won't give me anything.

The bank won't touch it.  No one will help me.  My fathers supposed to be my family.  So I give it to him. 
What happens?  I

I have been working really hard to go to university.  I go to school downtown really early in the morning and come back late at night.  My mother refuses to feed me.  As I lay down tired and hungry from the day the television and the news is blasting in the background.  At eleven thirty my father comes into the bedroom and starts a long lecture you are neglecting the family.

t this very day I do not understand.  the family has been telling e ll my life if you don't have a university education you have nothing. When I get there there are attacks, accusations and starvation.

oh yeah.  what happened to the money?

That time they were truthful.  they went into international traveling, they started serious antique collection.  I manage to live barely alone in a cold dirty miniscule apartment in a  dangerous neighborhood all alone.  I obviously am being attacked again and again.  I go insane again and again (a.k.a. I check into the hospital for a "nervous breakdown". 

finally at twenty eight years old I am in a half way house and I stay there until forty and then I go to a woman's residence for the poor run by a religious order. 

Over and over again I am told that I am taking advantage of the family that I am taking too much.
Honey in retrospect.  I was too poor to go to jail they said.  Honey I couldn't have taken less.  really.
They only gave the minimum they had to to remain a family unit.  why?  to this very day I am not sure why.

the Estate is also Composed of Material Possessions.

Likwe I said there were two meetings with two different sums of money that were discussed completely.  But the estate is also composed of material possessions.

And this was divided amongst the heir with the supposition (I suppose unrealistic at this time). that it would remain to be given to the heirs of the estate.

This was agreed upon when my father died.

There is the house in the country.  It would go to my brother with everything in it (almost).

The city house would be sold and the money would be used to help my mother with her expenses as she aged alone.

Finally the luxury items such as the art work, the antiques and the jewellery would be mine.  That would include stuff that was really expensive in this  category in the country I am not sure.

They owned industrial buildings.  I don't know what was decided with this.  the company was already taken over by the insurance company and my father lived on the money he received for it.  When he died there would be no money for the heirs.

His brand new car and his company were to go to an associate of his, a young man who helped him throughout his life and loved to be real estate broker and dress in an expensive suit and do great things with his body and hair and looks.  He is the young man who threw a rock through my fathers window when he had his office next to the Protestant school board of Montreal.  After that incident  they became friends.  This man would accompany my father on his last voyage to get money so that he could be buried according to his own wishes.

Could there have been two meetings?

Could there have been two meetings?

I remember two meetings.

One meeting my father discussed with us the question of what he had done with his business and his monetary affairs.  He had the whole thing regulated by the insurance company.  They would take over his company and his estate and they would administer his affairs.  He would get a certain sum of money like a salary and this would last for his whole life.  

But when he died nothing would remain.

Just before he died he said he had nothing to give us as regards to money.  But he had two houses and furniture and my mothers jewels and an industrial building.  But no cash.

That was one meeting.

The other meeting my father said that there was money from the estate and that I would be provided for.  I would live much better than I had been living.  to the tune of  forty thousand dollars a year or something like that.  But I would not be able to receive the welfare cheque any more if I had that much money.

So there were two meetings, each with different messages.  This is extremely important for someone who lives like I do on last resort financial assistance.  They involve different ways of dealing with my future.  I should start right now with figuring out what to do so that I could be in the best situation that I could be.

For example the question of where I would live will be different for the two sums.  And certainly what I will be doing as I live.  with the larger sum of money I could conceivably go on vacations or cures something which I so much miss in my life.  

And then there is the question even of day to day needs.  If I have no money at all from the estate  my last resort financial assistance is going to be cut when I reach retirement age.  What in the world will I do then?  

a Gift from the Crown of Brussels

Finally I met some people who were interested enough to take the time to understand me.

Why this happened  is not clear but it could be a gift from the Crown of Brussels.  I found several crowns of some children monarchs who had been murdered and I brought it back to Brussels because this is the monarchy that concerns itself with Royal matters.  It was there I met a benevolent group of people who offered me a very attractive place to stay. I was offered the opportunity to replace my hostile  family unit with a surrogate one made of member much more supportive that any of the original ones had been.  Many wounds were healed but I decided wonderful as the place was where I found refuge, I could not stay. I felt compelled to go back to the place in which I was so unhappy.

One of the supporters was a police officer and he said that I had been tortured severely and that the reason I was so badly treated was because I did not want to do what they wanted me to do.  He said the only way to break these ties was to give it time.  I said I did not want to be around people who I liked when I was suffering.  I would rather be among people who I did not like.

And so I went home to certain abuse.

Sixteen Million Dollars

The problem comes with an episode in my past when I was given sixteen million dollars by the Royal family to do what I wanted to.  When I went to take it to the bank the bank manager refused to accept to handle the money because it was against my father’s wishes.  So no one would take the money but my father and he took it every single bit.  That is when I became homeless and the family went on international travels and started furnished their extremely expensive house with high quality and rare antiques.  So disturbing was their lack of concern of my misery and their absolute unabashed confiscation of the money I am not sure that their windfall is the Royal money I was awarded.  This is a situation I would not want repeated with my brother.  Not only was that if the money taken by this family I wonder if they took ownership of it.  If they did not legally than the money and all they bought with it should be mine.   However the fact is harsh reality sets in and again the reason I do want this man who is my brother and his extended community to handle this estate carte blanche is because I do not want this to happen again.

The Community I Contact

April 28, 2014

10:00

I spoke to H. L. because I thought that she was one of the people that would be responsible for my welfare after my mother passed away. I asked her if she was at the meeting when this was decided.  The lady said she was not at any such meeting.  She also said she was not responsible for my welfare when my mother passed away.  She said it must be my brother.  She said she is sure he will handle properly and would not say anything else.

Dr. H. said he was not there at all when I inquired last week at our appointment on Thursday, April 23, 2014.

10:00

B. B. said he absolutely nothing to do with any meeting that happened to decide who would take responsibility of me once my mother passed away.  He was not there.

10:00

I called A. N. She was not available.

I am calling L. F. to ask if father and mother's estate was declared an annuity.  If it was, then was the person administering it the Insurance agency?

He was not available.

17:00

I finally reached L.

He had been called both by H. and B. about the phone calls that I made.  I expected they would call him as soon as they could and sure enough they did. He said that there had been no meeting and I had been hallucinating.

he said the insurance agency that I named had been out of existence for twenty years.

I explained that I felt that there was a conflict of interest about my brother being the only person handling the estate after my mother died.  He said that he would mostly be hands off in regards to most things unless I have a stupid idea of investing my part of the estate.  He went from saying there is no one handling the estate to that there is someone handling the estate, several times.  

He said all the estate when father died went to mother so it is none of my business: it is hers.

When mother dies he will not do much but just watch if I want to invest the half of the money I receive unwisely.

I asked several times who would be deciding how much I would live off when mother died.  He said it would be decided by accountants.  They would invest the money and if they made a lot I would live off more and if they lost I would live off less. He would however be the liaison and he refused to give me the name of the people who would be managing his and my finances

9:00

A.  N. called back.  I assumed she had ample time and interest to speak to both my mother and H. and I am pretty confident my brother already consulted with my mother.  So she knew the story and wanted to hear what I had to say.

I told her that I was interested in knowing if she attended a meeting deciding responsibility of my welfare after my mother dies.  She asked if i did not think that certainly i would be well cared for.

I said I would like to clarify what would happen.  You would understand that.

There was a question, I believe whether there was a meeting at all.  My brother would have stated there was no meeting.  I said there was a meeting but it was right after my fathers death.  It was actual a role playing done by actors to get more of an idea of who I am. ad at the end of the session responsibility for my welfare was given to two other people besides my brother.  I could not remember who and that was why i called several people.  

I have no amiable relationship whatsoever with the other members of my community that enables me to call them even on a casual basis.  That would include the V.  F  and B. F. (who were all there at the meeting).  

I said as I was discussing this with people it came to me that the whole thing was fabricated by actors and social workers. This was done, by my request, as an attempt for people to be more in tune with my point of view.   I did not know who they were and still do not know who they are.

I Found Myself Despairing

I found myself at this late stage of my life very despairing of ever being understood.   I met several people who said that all people can be understood. It just involves interested people and their time  So Finally some people were interested enough to take the time to understand me.

 i wished I could meet some policy makers who were also actors to piece together my  life by role playing. This led to  There was meeting of these benevolent others who assumed the roles of those who were supportive in my community.  It was there that my welfare was given over to benevolent protectors who not only had my interest in mind but were concerned with my peace of mind as well.  It was there a living plan was drafted so that I would be provided for according to my wishes.

These people discussed my future by trying to piece together my life by using their experience as actors to get an idea of my life by role playing the people who were associated with it for a long time.

I wish I could remember who were finally chosen as the people responsible for my care after my mother dies.

Who Would Take Care of Me?

I asked the family (my brother) if I was certified mentally incompetent. I did this because I remembered there was a meeting to establish who would take care of me after my mother died because I was considered severely handicapped.  I recall my father saying that when he passed away and that I would under the responsibility of two people just about his age when he died.  And after my mother dies I will be under someone else’s responsibility.  One of the people is my brother.  I do not remember clearly who is being given responsibility for me and I do not know who has declared me mentally incompetent and for what reason.

I also remembered that in the meeting my father had provided for me  some money and I would live off about $40,000.00 a year when he passed away.  The amount would go up and down according to how his investments did.

I remember refusing F. B. as being able to be one of the executors of the estate because he keeps on changing the family members and keeping the same name for them.  Anyways they are so unfamiliar I do not recognize them at all.

The Fr. did not get along with the Fabians for years according to myself.  I did not consider them benevolent.

As for the S family, there is the question of a dishonorable romance between myself and one of the family members.   There is also a question of character belittling when referring to myself.  There is also the doubt as to what happens to the many broken honors that these people might incur.  There is a question of peopling their factories with them.  

All this was discussed when choosing a council for taking care of me when I was declared mentally incompetent.