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Friday, August 26, 2011

When guests outlive their welcome



Secular human had a relative, Ricky the Rightard,  who moved in after he lost his job. Ricky was one of those get rich quick types who expected to be living in a beach home by age 35 and having fast cars and boats to play with. His world came crashing down when he lost his job.

When  Ricky was a teenager he was a pain in the kiester! He was very manipulative and very verbal. One of the other children in the family recently described Ricky as an middle aged unruly teenager.

Apparently, Ricky thought he could talk his way into big money. It didn't work out that way.

Pushing 40, Ricky had no education beside and insurance certificate and an a general ed diploma form high school. He moved in with Secular Human and his mother to get back on track.

His plan was to get his credit card debt under control and to buy a house with the extra monthly income. After 5 years his credit card debt appeared to have grown and he never actively looked for a house. Every house he looked at, always had some sort of fatal flaw in his mind.

He even bought a gun when with his unemployment money. Secular Human told him to either buy a home or to move out. Ricky said the market hadn't bottomed out yet. That's why he claimed he wasn't looking for a place to live.

Secular Human pointed out that no one could predict when the housing market would hit bottom and that interest rates were likely to rise, offsetting the depressed housing price.

However, Ricky kept buying $150 of ammo each month from Wal-Mart because he thought Obama was going to tax ammo. He expected to make another financial killing that never materialized either.  Eventually, he sold $5,000 of his discounted ammo to a friend.

A home's value at a particular point  in time is not important in the long term. Ricky never understood a long term investment approach because he wanted quick money.

Secular Human finally started sending Ricky letters stating that he had to move out. This was after 5 years of living with this disruptive right winger. Ricky was even given an eviction notice and threatened with court action. He finally moved out.

The St. Petersburg times had an interesting article by Ben Montgomery on this topic: When Hospitality turns Nightmare. 

A couple let an unmarried women move in with them who had custody of a grandchild. Apparently the women stole  the grandparents jewelry and also wrote more than $700 of checks on their bank account while she lived with them.

The couple asked the women to move out after she lost custody of her child.

The woman refused and the couple had to file a civil action called an unlawful detainer to evict their unwanted house guest. After $328 in court fees, a judge agreed with the couple. In Hillsborough county, "unlawful retainer " writs have increased five fold in the past five years.

Rightardia recommends that you make any long term house guest sign a rental agreement before they move in. Make them pay a monthly rental fee and also assign household responsibilities. As the unwanted guest's landlord, the guest will easier to evict because criminal law applies.

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