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Goodwill Loans To Bad Risk People

Hello there, I’m hoping to get some insight into a small problem I’m having with a good friend.

I loaned my good friend around $500 in January. We’ve been friends for years and she’s normally very responsible and a loyal friend. The job market for her field isn’t the greatest, so when she was job searching last autumn, she was only able to find a job that gives part-time hours to new hires. I loaned her the money, and she assured me that she’d pay me back within two months, once her situation evened out and she accrued more hours. My husband and I had no problem with these terms.

That was a few months ago. She paid me a small sum of money in February, but she still owes me a few hundred dollars. In the past few months, she’s flown across the country for a weekend trip and then invited me on another trip she’s planning in a few months. She’s also posting pictures rather often on Facebook when she’s out at bars, restaurants and clubs. I have no problem with her having fun, but I know that going out twice a week can get expensive, especially if you factor in dinner and a cab ride. When we talked about her paying me back (one month ago and then a week ago), her reasoning is always the same; she said she still needs to get her finances in order and she’s really embarrassed that she owes me money.

I guess I’m feeling a little judgemental that she’s “living the high life” (or at least giving the impression on social media), but still owes us hundreds of dollars. We are trying to save up for a down payment on a house, and right now, every penny and every point on our credit score counts. I’m just not sure how to address it with her that I think it’s inappropriate that she’s spending all of this money and still owes us. I know it could always be worse, it IS only a few hundred dollars, not thousands, but it’s also the principle of the matter. But I don’t know what to say to her that expresses that the grace period has come and gone, and we’d like the money back based on the terms we agreed to.

Thanks so much for any insight 🙂 0427-15

You should accept the fact that you will never see that money again, write it off as a lesson learned and never, ever loan this person money or anything of tangible value to her again.

Money Doesn’t Always Equate To Love

I’m not sure if this is an etiquette issue or not, but it is tying me up in knots, and I need advice. My in-laws have 4 grandchildren, my 2 girls and my DH’s brother has a boy and a girl. My nephew is the youngest at 17. Ever since my nephew was born, they have shown him preferential treatment to the point of ignoring the three girls. He has stayed with them every summer for the past 10 years, and sometimes, during the last week before school they might begrudgingly ask to take the girls, but where they would take the boy to amusement parks and other assorted fun places, they have never taken the girls anywhere. It isn’t a behavior issue, as the girls are all quiet and well behaved while my nephew is getting a little wild.

My niece was living with her dad, who, honestly, is an unemployed bum who can never get his stuff together, but he has a good heart. I see my niece fairly regularly, but I hadn’t been to their house, but my MIL had been there several times. Two years ago, my niece, who works full time at McDonalds and pays most of the bills, was 18 and we went for a visit about a week before Christmas. I almost started crying… My niece’s room consisted of a ripped mattress on the floor with no sheets and an old blanket for a curtain. My MIL knew she was living this way and didn’t do a thing to help her. I spent $100 and bought a nice headboard/foot board and frame off the internet and bought sheets, a comforter set, mattress cover, curtains and a rod. I would have liked to replace that mattress, but I ran out of money. My DH picked her up from work just to see her face when she opened her bedroom door. She was very happy! When My DH asked his mom if she knew about the state her granddaughter was living in, and why didn’t they do something about it, my MIL said, “I thought she wanted it like that.”

My nephew, whom I love to bits, it’s not his fault he is “the golden child” in his grandparents’ eyes, has money/gifts poured on him, and he has noticed the inconsistencies between him and his sister/cousins. Last Christmas the girls got socks, underwear and p.js, and he got a $300 BMX racing bike. He has brought it up to the GPs but it just gets brushed aside. He has started to realize that he can have anything he wants if he whines long enough to the GPs. He is very sports minded and they have paid all the fees associated with hockey/football since he started. I don’t have a problem with this, it is their money and they can spend it as they see fit, but this year, hockey fees are $10,000 because he has reached junior A levels. He is a good hockey player, but my FIL thinks he is good enough to get a multi- million dollar contract. I am not seeing it, but who knows. They have complained about how much money they spend on my nephew, and when I said, “just say no”, their response was, “Well, he’s a boy.”

The rub is that my daughter wants to start college this September. She was an honor student all 4 years of school and is very studious. My DH asked his parents if they could help with the tuition. Obviously they are very well off and could easily afford it, but he got the humming and hawing and was asked if she qualified for any scholarships. My DH is extremely pissed at his parents, but he expected it, as they did this favoritism thing when him and his two brothers were growing up. He was not the golden child so he was treated worse than the girls in this generation. The funny think is, they know that my DH is the only one they can count on when it comes to important things, he is the only one they will let work on their vehicles (they expect him to do it for free), take care of their house while they are on vacation (this ended when they left the druggie son in the house against everyone’s better judgment and sold off their possessions).  My DH said never again.

My nephew’s mom became involved with my BIL because of the money even though she lives separately and is in another relationship. She has kept her “oar” in by ingratiating herself and her new boyfriend with my in-laws, no matter how much it hurts my BIL, and regularly “borrows” money off my in-laws “for my nephew” even though she has a government job and makes close to $60 grand a year.   And she posts pics every weekend about concerts she was at, places she went etc… I just laugh at that because my in-laws know she is suckering them, but can’t say no if it’s for their grandson.
Do you think I have a right to be upset about this? It isn’t just that they won’t help with the tuition (only time we have asked them for money), it’s just the blatant misogyny against my daughters and my niece. It isn’t like they are old country from an ethnic background where this is common, they are 3rd generation Canadian/Irish. It has gotten so I don’t even want to be in the same room with them. 0429-14

I am of the firm belief that once you are an adult, there should be no expectations whatsoever that your parents owe you anything except maybe love.   The bottom line is that your in-laws (and your parents, too) raised their children to adulthood and are not responsible to assist in rearing their grandchildren.   You and your husband wanted and had two daughters, you then provided for those two daughters and that includes college tuition if that is your choice to provide.    It’s not as if the prospect of a daughter going to college was suddenly sprung on you…the possibility existed since the day she was born and you’ve had 18 years to save, plot and plan a way to fund that education.   Looking to one’s parents to help send your kids to college is a rather high expectation, in my opinion.   So, you and your husband figure out how to fund your daughter’s choice of college without looking to the in-laws to help.

As for the disparity in monetary gifts to grandchildren, I know exactly what you feel.   Among my own siblings there was one who seemed to always be the recipient of a greater largesse than the rest of us.   As adults the other siblings and I didn’t ask for money and we certainly did not receive it whereas the money seemed to flow liberally to this one child.   We reasoned that we were better people for this deprivation since we all learned to be financially independent and successful whereas the “golden child” never prospered.   To hand over money to one “special” child isn’t always an act of love.  It can actually be hateful in that the person becomes dependent on the parent and never matures or prospers to be a healthy, functional adult in society.   It can be a means to crippling a person with an entitlement mentality, a poor work ethic, greed, ingratitude and selfishness.   I and my siblings warned my parents many times over the years that they were not doing any favors for this particular sibling.  We do not envy the “special” sibling one iota.  I would not want to live the life this person does.

Your nephew recognizes the disparity of what is given to him and what is given to his own sister and cousins from his grandparents, and while he made a half-hearted effort to change the status quo, he’s not really interested in stopping the gravy train otherwise he would have rejected the money and extravagant gifts out of solidarity and loyalty to his own sister.  No, he’s become a greedy, selfish, miserable creature with no sense of justice and frankly, he’s not a person I would trust.   He’s the one most likely to financially exploit the grandparents when they are vulnerable and the one family member most likely to sponge off the rest of you when he doesn’t get that multi-million dollar hockey contract.   He is to be pitied because his grandparents have crippled him, possibly for life.

So, teach your daughters to be strong, independent, hard working, grateful, and kind people who don’t have any expectations that parents or grandparents owe them a living or an education or any other material item.   They will be happier and more successful as adults if you do.

And as a last word, gird yourselves for the probate from hell when the in-laws die.   I can see the writing on the wall that distributing the estate assets will not be a rosy walk in the park.

Uncharitable Charity Gifting

A few years ago, my husband and I decided to get his mother what we thought would be a very nice and thoughtful gift – a donation in her name to the Breast Cancer foundation. (Her twin sister is a survivor of breast cancer.) We thought it would be appreciated and sent her the card saying that a donation had been made in her name.

Did she appreciate it? No! In fact, her exact words were,  “I’m so disappointed. I REALLY wanted something for MYSELF.” As in something for her that she could use/have. This was not a “I know I’m a twin but want to be treated as an individual” matter, she was just being extremely selfish. I couldn’t believe how she reacted. Thank goodness my husband agrees with me and thinks that she is being incredibly selfish.

What do you think? 0813-13

Donations to charities can be a very personal, individualized thing.  What you might support, I might not agree is worthy of my money so choosing to “gift” someone with a donation in their name can be presumptuous.  It’s not that this particular breast cancer awareness group is bad but to be honest, there are some well-intentioned charities I would not choose to be associated with due to some flaw in their mission statement or how their donated money is allocated.    For example, there is one charitable organization that advertises heavily on television and upon investigation we found that too great a percentage of every dollar donated went not to intended “victims” but rather administrative costs and advertising.   I found a similar group with a much better ratio of dollars applied to the actual people needing it.

What you did was give a gift that made you happy.  Mom should have been gracious and said nothing but obviously your donation to a charity she is obviously not affiliated with was not viewed as a gift.   If you feel the need to support breast cancer research, by all means donate to your heart’s content but don’t assume others have the same passion to assist in charitable fundraising with their birthdays used as the opportunity.

Even In Death, The Gimmes Are A Grave Matter

I was reading the obituary section of the newspaper today and came across something I have never seen before. After listing the deceased, his date of birth and passing, his surviving relatives and services, there was the following paragraph (names & places changed):

In lieu of flowers, contributions may be made to the Smith family, c/o Jane Smith, 20 Main Street, Any town, USA 12345

The lady who you are supposed to send the contributions to is the mother of the deceased.

Have you ever came across this or something similar? I have often seen where the family would write, “In lieu of flowers, please donate to the XYZ Society”, but never to the actual family.

I wonder if this would be considered a faux pas? I may be over-thinking it, but it seems that the family may be playing on the sympathies of the mourners to round up some cash. It does not state that the family needs help paying for the funeral cost so I wonder why they would request people to send money, to the mother, rather than flowers. Personally, I don’t think an obituary would be the place to ask for donation of any kind, much less to the family of the deceased.

I would appreciate your thoughts and the thoughts of your readers.

Yes, I’ve seen it before.   Expectations that others will fund the milestone events of one’s life is becoming a cradle to grave phenomenon.   Others are expected to financially  help us get married, enjoy a great honeymoon, warm your new house up with goodies,  have babies, host birthday parties, go on missions/volunteer trips, pay for education, and pay for a funeral.   I’m sure I missed a few in there.

The mother of the deceased is soliciting money from the community to mitigate the costs of a funeral and burial.   Granted, embalming, caskets, vaults,funeral director fees, chapel rental,  etc are very costly but there are other alternatives.   Cremation is often a fraction the cost of embalming and burial, usually between $300.00 and $1,000.00.  For those opposed to cremation, the onus is on you to prepare for your eventual death with enough life insurance or savings to cover the funeral costs so that your family is not tempted to humiliate themselves with public begging in order to properly bury you.

Addendum: To those already commenting that life insurance for minor-aged children may not be affordable, please note that Gerberlife.com offers $5,000.00 of life insurance (enough to cover funeral costs) for $3.14 a month.   Similar life insurance companies offer comparable prices.   For a 50-year old non-smoking female, burial life insurance can be as low as $10.00/month and increase each decade of age to $35.00/month at age 80.     Even young adults can acquire $5,000.00 in burial insurance for about $3.50/month.   (Good heavens, I’m beginning to sound like a life insurance commercial.)    So, for the cost of one mocha latte or a Happy Meal or 2 3-liter bottles of soda or a gallon of milk each month, burial insurance is quite affordable.    The problem is that a lack of planning creates the emergency others must bail a person or family out of.   Just like people who intuitively know there are statistically high odds of getting married yet never bother to put money aside into savings to pay for that eventuality and either go into debt or go looking to friends and family to cover the expenses.    Sadly, death is even more certain than a wedding.

Ehell Rules On Money Crosses All Cultural Lines

I received the following message on Facebook yesterday from someone I know:

Sponsors by XXXXX on Friday, XXXXX 9, 2012 at 2:16pm · For those of you included in this note, you either are family or are a cherished extention to our immediate family and consider you a part of it already. You all know that Michelle’s Quinceanera is next Saturday, XXXXXX 17. If I have not spoken with you personally, I would like you to consider being a sponsor for the event. This requires you to donate what you want towards a certain part of the evenings events. Recognition includes your name on the program as a sponsor. We want everyone to feel as though you had a part in making this a grand celebration for all family and friends that attend. Things you can donate towards include: The rental of the community center, Food, DJ, Pictures, and Decorations The sooner I know if you are interested, the sooner I can finish making the programs. Please let me know if you have any questions or are intrested. Love, XXXXX and XXXXX XXXXX

This is AFTER I received a note that it is also their son’s 17th birthday, and that he likes Xbox games and cash. 0310-12

 

I know there are some who will argue that sponsoring weddings and Quineaneras (a 15th birthday party common in Mexico for girls) is culturally expected as a system to involve family and friends in major milestones in a family’s children’s lives.  However, the Ehell perspective is that one should never, ever have to solicit funds from people allegedly closest to you.   If you have to ask, you are begging and there is nothing culturally positive about being a panhandler.

Etiquette Hell’s Rules of Money:

Rule 1:    No one owes you their money.  You should never have an expectation that you are somehow deserving or owed someone else’s money.   You want a big, blow out celebration then work for it, save for it, budget what you can afford and depend on no one to pull off an event that exceeds your financial resources.   Relational proximity is not a requirement that people must share their congealed sweat (money) with you.

Rule 2:   Soliciting sponsors, asking for money, web sites asking for money or any of the other creative ways people try to extract money from others is politely referred to on Ehell as “pulling”.   A person “pulls” money from others instead of others taking the initiative to “push” money on you.  If you have to “pull” to get money, you are a beggar.   If the only way family will give you money is for you to beg for it, consider the possibility that you may have been played for a fool by someone who prefers to see you humiliated into begging before doling out the cash.  Grow up, stiffen your spine and refuse the role of beggar as beneath your dignity.

Rule 3:  People who love you will know the need for money and take the initiative to “push” money on you.   The key word here is “INITIATIVE”.     If more people were spontaneously generous perhaps this would stifle the trend for people to go begging.   I’ve never understood why relatives and close friends of a soon-to-be 15 year old girl do not take the initiative to give money as sponsors of her Quinceanera if having sponsors is culturally expected.  In my culture, we are always finding ways to push money on the younger generation when they truly need it.  This grandma would be the first in line to pony up sponsorship money for a granddaughter’s big milestones in life, assuming her parents had not raised her to be expecting that grandmom owed her.    But then, maybe that ingrained expectation that “family owes me” may be why some people are compelled to go begging when generous wallets have shriveled from the repeated onslaughts.