After Losing Half My Family Living In This House, I Have a "Boarder-Housekeeper-Relative"

BonzaiDuck

Lifer
Jun 30, 2004
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I lived with my Moms and my brother in this house -- Moms' house -- since 2010. In 2017, we could no longer be in denial about Moms' growing dementia: she had broken her hip, went to the hospital and then a nursing home for a month's physical therapy. That same year, my brother's medical problems emerged requiring vascular surgery and other treatment. The ACA took great care of my brother, but he was at risk for losing his left leg at the hip, and couldn't remain on his feet for more than an hour. Moms became bed-bound in March of 2021. Bro died after New Year's 2022. Finally, Moms passed away in October 2023. I inherited the house and split the cash assets with my surviving brother in Nevada.

I have my own pre-existing conditions: COPD, high blood pressure and diabetes type 2. Cleaning up the upstairs rooms that had been occupied by Mom and Bro had been deferred. I should've started months before Moms passed away. I literally took a year to think about what was needed, and finally began doing the work at end of September.

I can only do so much in a given day because of my breathing limitations, and Moms hoarded clothing, paperwork in file cabinets, furniture and books in her crowded master bedroom -- and in the smaller bedrooms as well. This week, I purged each of the two four-drawer file cabinets. That woman saved every piece of paper she ever acquired between 1974 and 2017. This, and cleaning Bro's room, is an ongoing process and could take weeks or months. I had a friend drive up from Oceanside today to help with the file cabinets and my brother's LP record collection -- the latter destined for Good Will Industries.

After my brother had died, I contacted my cousin who was living in the area with his family, or so I thought. He was going through a bitter divorce after 30 years of marriage. While he was still living in the area, he helped me immensely with Moms before I could arrange Aid-and-attendance support from the VA. His three daughters were grown and getting ready to graduate from college. Johnny was selling his house to split the proceeds with his estranged wife. He then decided to move to Arkansas, then later to Tennessee, and then again to Florida. But he would return here every six months or so. The reason for the divorce arose from his ex-wife's methamphetamine habit. Throughout the disposition of assets and the divorce settlement, she obtained treatment, was released to a half-way house, and eventually continued living as a homeless person. My cousin wasn't much better off. He was spending his assets for travel and lodging, lucky to find a lady-friend on e-Harmony.

I had offered Johnny the option of moving in as a boarder here at the house, but he was inclined to the travel -- tired of So-Cal. He later asked me if his Ex could move in here. I thought about it. Friends advised against it. John still vouched for her as honest, not inclined to steal, simple and straight-forward. That was about six months ago.

All this time, I had struggled with what to do with myself. I could no longer be caregiver to my departed Moms. Even when she was sleeping, and even more so when my Bro was alive and sequestered upstairs, I had a sense that "someone else was here". So from time to time since Moms' passing, if I wasn't keeping busy, this sense of being alone would affect my mood like a gray cloud.

So a couple weeks ago, John calls me to say that his Ex had to replace the engine in her Acura, and since she'd been sleeping in the car, she needed a place to stay as opposed to camping out under the freeway. And again -- John vouched for her reliability. I thought to give her trial lodging for up to a month.

We have begun to discuss an arrangement whereby she can occupy the third room upstairs, assist with the ongoing cleanup project, and otherwise assume a position as Chief of Housekeeping in return for rent-free lodging -- otherwise paying an equal share of the utility bills. After a few days of this arrangement, I think it can work.

Why wouldn't her daughters step up to provide her a place to stay? She explained it. It was partly her choice, and she was in regular contact with them.

I'm wondering if I should have some written agreement for this otherwise "rent-free" arrangement. It looks promising. But there is always some outside chance that circumstances could compel an eviction. Of course, she can leave anytime she wishes. As for her resources, she has half of my cousin's Social Security and half of his CAL-PERS retirement. This means she has $500 more in monthly income than my Moms when she was alive. She can easily afford the share of utilities, streaming subscriptions, association fees. And I won't need to feel crushed by housekeeping.

And -- finally -- I have regained a sense that "someone else is here".
 
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BoomerD

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Dude...good luck getting rid of her when it doesn't work out. You've ignored a lot of red flags...
The reason for the divorce arose from his ex-wife's methamphetamine habit
since she'd been sleeping in the car, she needed a place to stay as opposed to camping out under the freeway
Why wouldn't her daughters step up to provide her a place to stay? She explained it. It was partly her choice
I'm wondering if I should have some written agreement for this otherwise "rent-free" arrangement.
 

BonzaiDuck

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Dude...good luck getting rid of her when it doesn't work out. You've ignored a lot of red flags...
You cite points I'd heeded until now. At the moment, it seems worth the uncertainties. I just don't think my cousin would've steered me into this situation unless he was confident it would work out.
 

BoomerD

No Lifer
Feb 26, 2006
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You cite points I'd heeded until now. At the moment, it seems worth the uncertainties. I just don't think my cousin would've steered me into this situation unless he was confident it would work out.
Heck…it’s your house, your life. Good luck.
 
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iRONic

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Jan 28, 2006
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Just lock your valuable shit up. Cash, jewelry, identifying documents, etc.. Anything a crackhead can exchange for cash.

A $300 safe can at least give you peace of mind.
 

Torn Mind

Lifer
Nov 25, 2012
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I'm not exactly sure if being "rent-free" but still with exchange of services in a verbal contract is enough to evade a tenancy relationship under the eyes of the law.

----------------
Just lock your valuable shit up. Cash, jewelry, identifying documents, etc.. Anything a crackhead can exchange for cash.

A $300 safe can at least give you peace of mind.
Methheads can probably find a way to crack a safe open by force. It's not exactly hard to procure power tools.... Don't care if she's a senior...she got years of experience as a drug head and that cousin...feels like he's just dumping a problem...
 
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iRONic

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I can't disagree with any of that. Another thing to be aware of is the association with other crackheads, criminals, & in general, douche bags.

If the owner takes a little road trip up to his brother's house somebody might declare ‘open house’ at the empty crib for a share in the spoils or a small finders fee.
 
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Greenman

Lifer
Oct 15, 1999
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I get your situation but I don't see this ending well for you.
It's a risk, but it does get the gentlemen companionship and a bit of household help, that has very real value, especially for someone slipping into depression. He might end up losing some trinkets and a few bucks, he might also end up with a life long friend. I'd take that risk in his shoes.

The issue here isn't the cost, but the benefit.
 
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Torn Mind

Lifer
Nov 25, 2012
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I get your situation but I don't see this ending well for you.
Seems like a retirement or something community is what he needs. It appears that he has no heirs(biological), so he might as well take the money from this residence of his for himself before anyone else does.

What is sentimental to the homeowner is not sentimental to the state and real estate agents. In the end, the house's current state will be eliminated one way or another; the new owners will likely remodel it up.

I've had experiences with the actual drug dealing crowd when my mom picked them out of the tenant pool, although different skin color, younger, and they didn't deal meth. They're businesspeople, with all the flaws of them. Meth relapse is also more likely than not. I keep track of their rap sheet too. One dude got charged with murder but the killing is officially unsolved. Another is a serial armed robber. But in the housing context, you would not readily notice hint of that level of conduct.
 

NutBucket

Lifer
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That makes sense to me. OP lives in a small community which can either work to his advantage or disadvantage....seems to be the latter in this case. A retirement community sounds like perfect scenario so there's always people around, etc.
 

BonzaiDuck

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So far, this seems to be working out. I'm in touch with my cousin, and he's plugged in to my situation with his ex-wife. He should be visiting here before end of the month. At this point, I would be surprised if any of the nightmare scenarios arise.
 

BonzaiDuck

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Jun 30, 2004
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I'm glad you posted that link and compelled me to revisit the discussion from last June.

I think my cousin has my interests in mind; we had a recent discussion reviewing my reticence of last year. In the meantime, I have avoided putting restrictions and curfews on my "guest". For the most part and so far, she's not "AWOL" or absent from the house when a normal person would be here in the night-time hours. So far, she looks to be reliable in this regard. I discover repeatedly how she does things to improve the household without being told.

As much as I and everyone else is concerned about an "end game" where the "guest" is suddenly not welcome and in conjunction with CA tenancy laws and those factors, I'm now reviewing my trust as it pertains to the use of the house. If she's a guest and shares utility bills, there's no violation of the trust. I need the house to be covered by the trust for the ongoing advantage of annual property taxes.

But I have two other family members -- brother and cousin -- who are attentive to the situation with adequate concern for me, and they so far are comfortable with the trial arrangement. It seems that it will extend beyond a "trial phase".

As for the references to "assisted living" as offered by other posters, my personal health at the moment -- anticipating the next couple of years -- doesn't warrant pursuing it now.

I was able to meet my housekeeper's daughter, who visited here briefly last week. This was also reassuring.
 

pcgeek11

Lifer
Jun 12, 2005
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I'm glad you posted that link and compelled me to revisit the discussion from last June.

I think my cousin has my interests in mind; we had a recent discussion reviewing my reticence of last year. In the meantime, I have avoided putting restrictions and curfews on my "guest". For the most part and so far, she's not "AWOL" or absent from the house when a normal person would be here in the night-time hours. So far, she looks to be reliable in this regard. I discover repeatedly how she does things to improve the household without being told.

As much as I and everyone else is concerned about an "end game" where the "guest" is suddenly not welcome and in conjunction with CA tenancy laws and those factors, I'm now reviewing my trust as it pertains to the use of the house. If she's a guest and shares utility bills, there's no violation of the trust. I need the house to be covered by the trust for the ongoing advantage of annual property taxes.

But I have two other family members -- brother and cousin -- who are attentive to the situation with adequate concern for me, and they so far are comfortable with the trial arrangement. It seems that it will extend beyond a "trial phase".

As for the references to "assisted living" as offered by other posters, my personal health at the moment -- anticipating the next couple of years -- doesn't warrant pursuing it now.

I was able to meet my housekeeper's daughter, who visited here briefly last week. This was also reassuring.
Well I hope it works out good for you and none of the warnings come true.
 
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mindless1

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Aug 11, 2001
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Dude...good luck getting rid of her when it doesn't work out. You've ignored a lot of red flags...
THIS X TEN.

I hate to not help people in need, but at the same time you have to look at why they are in need and what has changed since then, and for how long.

My prediction is that once she gets set up in your more stable environment, she'll have less energy put into survival and more into partying and getting back in touch with old friend, who feel no ties to you or your cousin, and you end up buried in the back yard. :)
 

BonzaiDuck

Lifer
Jun 30, 2004
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THIS X TEN.

I hate to not help people in need, but at the same time you have to look at why they are in need and what has changed since then, and for how long.

My prediction is that once she gets set up in your more stable environment, she'll have less energy put into survival and more into partying and getting back in touch with old friend, who feel no ties to you or your cousin, and you end up buried in the back yard. :)
You could be right, or I would've inclined easily to that conclusion last year. This year it was about a temporary accommodation, a trial period, etc. Today, she went to visit one of her daughters. Two of her daughters are local. But the visible manifestations of her presence here are all quite positive. She is definitely an extended family member.

My cousin returns here to visit later this month, but will be staying with a friend. He seems to continue as a part of his ex-wife's life, and they communicate regularly.

Just reviewing Greenman's thoughts in post #10. He seems to describe what I also observe so far. As long as she continues to respect the constraints I put on who comes to the house or her obligations for the housework, I see no reason to worry about eviction complications. She knows that I could eventually end up selling the property, but she has options beyond that. For myself, I'm not sufficiently disabled in any way that I need to worry or think about it much.

So I'm going to take it a day at a time, a week at a time, month at a time, or a year at a time.
 

Torn Mind

Lifer
Nov 25, 2012
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THIS X TEN.

I hate to not help people in need, but at the same time you have to look at why they are in need and what has changed since then, and for how long.

My prediction is that once she gets set up in your more stable environment, she'll have less energy put into survival and more into partying and getting back in touch with old friend, who feel no ties to you or your cousin, and you end up buried in the back yard. :)
That woman is probably 70+ years old, so she can't get that type of relationship anymore. But it's not the partying. It's destruction...and it's usually in the form of quiet sabotage, not open hostilities as methheads and other druggies get excellent practice at presenting a sympathetic, "reasonable" face using frameworks as shields to cover their pattern of conduct.
 

BonzaiDuck

Lifer
Jun 30, 2004
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So here's an update on my choices and actions over the last year with regard to my cousin's ex-wife and my current "Guest-Resident-Chief-of-Housekeeping".

This seems to be working. We come and go, with cell-phone texting a means of staying informed about each other's status about where they are or arriving home. We are not getting in each other's way.

So with tax-time looming, I sought to review issues about "rent" (income) versus "shared expenses", "head of household status" etc. And there's a question about my family trust pertaining to renting property, but I believe I'm allowed to have boarders as I continue to cohabit with them. If I shouldn't call this one a "boarder" as if that would have tax implications, then she's a "guest". But "shared expenses " -- "is what it is . . . and just that."

I'm pretty sure I'm home-free on those questions. Letter to the trust attorney will bring confirmation on that matter. In behavioral terms, no friction, just minor misunderstandings or "failuh ta commoonicate". To feel totally secure, the transactions over the utility bills are done in cash, but for that I don't think it necessary and preferring electronic transfer within the same bank -- "cash" is a choice of the Resident Housekeeper.
 

skyking

Lifer
Nov 21, 2001
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it was about time for an update.
I kept watching the thread :)
I am glad for your company, for both of you.
 

NutBucket

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As I remind my dad who is 88...unless you're embezzling millions the taxman doesn't care about you :)
 
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BonzaiDuck

Lifer
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As I remind my dad who is 88...unless you're embezzling millions the taxman doesn't care about you :)
Letter from the trust attorney arrived today, with a brief and profound opinion that everything is kosher.

The only thing that would further improve my life now would be better TV news. But all of that sucks.
 

mindless1

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Aug 11, 2001
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As I remind my dad who is 88...unless you're embezzling millions the taxman doesn't care about you :)
That is not consistent with the vast majority of people jammed up by the IRS.

It seems like you are stating some idealization instead of the reality that IRS agents need to get some hits to look productive, even if it isn't a good return on the investment, or look at it like being diligent enough to make examples of people to discourage fraud.

I have seen many instances of people being audited that were not multi-millionaires. How does this resolve to your statement?
 
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BonzaiDuck

Lifer
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That is not consistent with the vast majority of people jammed up by the IRS.

It seems like you are stating some idealization instead of the reality that IRS agents need to get some hits to look productive, even if it isn't a good return on the investment, or look at it like being diligent enough to make examples of people to discourage fraud.

I have seen many instances of people being audited that were not multi-millionaires. How does this resolve to your statement?
I don't share your sentiment about the IRS. But I also realize that a majority of taxpayers are not very "tax-literate", feel compelled to pay a preparer or tax-accountant, or just can't accept the simple fact that we have been undertaxed at the federal level since Dubya Bush gave us a tax-cut the year he prosecuted his war against Saddam and expanded the Afghanistan war far beyond "Zero-Dark-Thirty".

I have it from retired IRS employees who now give tax advice through AARP that IRS is woefully understaffed to perform the audits that were once expected just according to statistical audit expectations published in the late 1970s. I was once audited in 1983, and I tend to thump my chest for being one of the 20% audited taxpayers for whom the Treasury must issue a compensating check.

It is not yet March of the year, and my astounding departure from usual tax obligations is now settled to the very penny. For the second year of my life, I am now paying a tax-accountant for changing tax situations that stray far from my routine experience: first, last year's filing on behalf of my deceased mother's trust; second, this 2024 year's resolution of the cap-gains taxation for a rental property I sold last June. We had expected -- the tax-accountant and I -- that I would pay $42,000 by this April in addition to previous estimated and withheld amounts, to IRS and one state. We now anticipate writing total checks of $38,000 to include a second state taxation department.

Now I only need for the checks to clear the bank, and I can return to my usual routine Turbo-Tax habits.

If taxes had been adjusted responsibly beginning in 2003, we wouldn't have this current crisis of deficit and debt that encourages elected criminals and fascists to derail our government.