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Community, Family, and Finance: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.
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Family, Get Money, and God: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this
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Aaron Eckhart , Avengers Age of Ultron, and Birdman: EMMA STONE 54 Sean Penn, 54 Colin Firth, 53 EMMA STONE'S AGE Edward Norton, 45 LOVE INTEREST'S AGE Joaquin Phoenix, 40 Bradley Cooper, 40 an Gosling 30 Andrew Garfield, 28 Penn Badgley, 23 Chris Lowell 26 Irrational Birdman, Man Jesse Eisenberg, 25 Gangster 26 26 Squad, 2!5 Jonah Hil 23 24 The Help, 23 Easy A, 21 Aloha, 26 Superbad 18 The Amazing Spider-Man Zombieland 20 Crazy, Stupid, Love Magic in the Moonlight 16 2007 2008 2009 2010 201 2012 2013 2014 2015 YEAR ULTURE SCARLETT JOHANSSON 54 Bill Murray 52 SCARLETT JOHANSSON'S AGE Mark Ruffalo, 47 LOVE INTEREST'S AGE Jon Favreau, 47 Billy Bob Thornton, 46 Aaron Eckhart, 38 Matt Damon, 41 Javier Bardem, 39 Hugh Jackman, 37 Joaquin Phoenix, 39 Joseph Gordon- 32 Ewan McGregor, 34 Bradley Cooper 34 Her 29 Jonatharn Rhys Meyers, 28 Chris Evans, 26 We Bought a Zoo, 27 Chef. Don Jon, 29 28 Lost in Translation, 18 The Nanny 24 Match Diaries, 23 Point 22 He's Just Not Vicky That Into You The 21 21 Island, 20 Cristina 21 Bcelona Avengers: Age of Ultron 30 The Man Who Wasn'tv There 16 The Black Scoop Dahlia 16 2001 2003 2005 2007 2009 2011 2013 2015 YEAR ULTURE JENNIFER LAWRENCE 54 JENNIFER LAWRENCE'S AGE LOVE INTEREST'S AGE Christian Bale, 39 Bradley Cooper 40 Bradley Cooper 37 Edgar Ramirez, 38 Michael Fassbender 34 Liam msworth 23 Max Thieriot, 23 Silver Linings Hunger Playbook American Hustle, 23 Serena, 24 The Anton Yelchin, Games, Joy 25 21 23 The Hunger Games: Catching Fire Like X-Men: Crazy First Class, 21 Josh the End of Hutcherson, the Street 20 19 16 2011 2012 2013 2014 2015 YEAR VULTURE ambermusicbox: overherewiththequeers: overherewiththequeers: castielcampbell: jaydenthorne: No. Hollywood has an older man problem. this is so gross I wish I could remember the name of the actress who went ballistic after being told that, at 35, she was too old to play the love interest for the 55-year-old lead. It was Maggie Gyllenhall.  And I stand corrected, she was 37. Damn
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America, Android, and Doctor: StanceGrounded SJPeace The horrors of Socialized Medicine: A first hand experience by Kevin Bozeat We need Universal Healthcare! RETWEET THIS The Horrors of Socialized Medicine: A first hand experience A few days ago my stomach began to hurt. Thinking it would pass, I went home to try and rest for the night. A bit later I vomited. I thought that was the end of it. But for the rest of the night, I kept vomiting almost every 30-40 minutes. Even after my stomach was completely empty, I kept vomiting. Soon it was nothing but stomach fluid and bile. I tried to drink water to stay hydrated, but I kept throwing it up, no matter how hard I tried to keep it This could have easily cost me hundreds or even thousands in the US without insurance. But here in Taiwan I was able to receive speedy, quality care comparable to what I would have gotten in a US hospital for relatively small amount of money Given this experience, I no longer have a reason to fear or hesitate getting care in Taiwan should I ever need it. America, it's time to stop making excuses. 3:16 PM Feb 25, 2019 Twitter for Android 1.9K Retweets 3.6K Likes The Horrors of Socialized Medicine: A first hand experience A few days ago my stomach began to hurt. Thinking it would pass, I went home to try and rest for the night. A bit later I vomited. I thought that was the end of it But for the rest of the night, l kept vomiting almost every 30-40 minutes. Even after my stomach was completely empty, I kept vomiting. Soon it was nothing but stomach fluid and bile. I tried to drink water to stay hydrated, but I kept throwing it up, no matter how hard I tried to keep it down By 3am I had severe stomach cramps, my body kept trying to vomit even though there was nothing left. I was dizzy and light-headed. My symptoms showed no signs of abating At this point I had to seek medical treatment, I knew had to go to the hospital I wanted to avoid it. I had no idea how different Taiwanese hospitals would be, whether I would be able to find an English speaking doctor, or what it would cost me (my US health insurance has lapsed and I don't qualify for Taiwanese NHI) My Taiwanese roommate called a taxi and took me to the ER at NTU Hospital. I was immediately checked-in by an English speaking nurse. Within 20 minutes I was given IV fluids and anti-emetics. They took blood tests and did an ultrasound to ensure it wasn't gall stones or appendicitis. From there I was given a diagnosis: a particularly severe case of Acute Viral Gastroenteritis (aka the stomach flu). After about 3 hours on an IV I began to feel slightly better, my nausea disappeared and my stomach began to calm down. I was discharged with a prescription for anti-emetics and pain medication. Each day since lve gotten progressively better and am now pretty much back to normal The bill for the ER visit? US$80.00 Eighty. American. Dollars Out of pocket. Full cost. No discounts. No insurance. At one of the best hospitals in Taiwan. And if I had NHI, it would have been a fraction of that. This could have easily cost me hundreds or even thousands in the US without insurance. But here in Taiwan I was able to receive speedy, quality care comparable to what I would have gotten in a US hospital for relatively small amount of money. Given this experience, I no longer have a reason to fear or hesitate getting care in Taiwan should I ever need it America, it's time to stop making excuses. corvussy: thatpettyblackgirl: the US has no excuse some great examples of us hospitals setting pretty exorbitant prices for health care: The infamous $629 bandaid Woman charged $40 for holding her baby after a c-section Two South Korean tourists took their baby to the ER where he was only given some formula and took a nap before being discharged but were given a $18,836 bill Canadian man gets heart surgery in Florida and is billed over 600k USD Some more pictures of people’s hospital bills A public hospital’s ER is out-of-network with all private insurances, resulting in many patients being stuck with unreasonable bills and eventually resulting in a class action lawsuit over their billing practices Annual healthcare spending in the US is estimated at 3.5 trillion, and billing prices are pretty much unfair and inconsistent, even for insured patients with legal loopholes and hospital discretion in setting prices Billing announcements, and million dollar hospital bills on the rise Top 35 Most Expensive Health Conditions in the US Just… facility fees Hospitals are more likely to tell you how much parking costs than how much a basic ECG test costs (meaning they probably inflate prices arbitrarily for patients… possibly on an individual basis) Hospitals are magically able to “discount” hospital bills to less than a thousand dollars for patients that receive national attention in media (x, x) People in the US are less likely to seek medical care because of high prices, even though 42% of doctors believe their patients are receiving too much health care (falsely)

corvussy: thatpettyblackgirl: the US has no excuse some great examples of us hospitals setting pretty exorbitant prices for health care:...

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Bailey Jay, Family, and Get Money: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200.
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Alive, America, and Beautiful: Keaton Patti @KeatonPatti I forced a bot to watch over 1,000 hours of Trump rallies and then asked it to write a Trump rally of its own. Here is the first page TRUMP RALLY INT. BIG ARBY 'S IN SOUTH WYOMKLAHOMA PRESIDENT TRUMP forces himself on a podium PRESIDENT TRUMP I just had a phone call with the economy. Jobs poured out of the phone. Great jobs. Tall jobs. steve Jobs. All at Kinko's The crowd cheers. It is full of real Americans (man with hard hat, man with harder hat, gun that is alive) PRESIDENT TRUMP (CONT'D) The United Snakes is doing so good. other countries are on fire. All the people on fire. Hot fire too. Not us. Our flag is so beautiful. President Trump salutes a flag that says: ARBY'S FOOD IS FINE TO EAT. The crowd howls. They love this flag of America. PRESIDENT TRUMP (CONT'D) I signed a bill. No more swamp. Swamp gone. Swamp is in Mexico now. It's on fire. Great deal for us The crowd chants: FOUR MORE SWAMPS! FOUR MORE SWAMPS! PRESIDENT TRUMP (CONT D) Foreign powers cheat us Canada steals our milk. China steals our milk. We only had one glass of milk left! Obama drank it. Not fair The crowd b s. They wanted that milk PRESIDENT TRUMP (CONT'D) But like President Ronald Rogaine, I will bring back the milk! The crowd roars. They still want that milk PRESIDENT TRUMP (CONT'D) A wall of milk. No criminals get through. Democrats want criminals to have the milk. No way. Milk comes from coal. We'll dig it up. All of the words are mispronounced. The crowd cheers. They hate pronunciations. They love milk. They start digging ARBY’S FOOD IS FINE TO EAT by adamhasabeard MORE MEMES

ARBY’S FOOD IS FINE TO EAT by adamhasabeard MORE MEMES

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