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Bad, Books, and Clothes: he Swiss are voting on a plan to end poverty forever. Step one: give every adult $33,600 a year, no strings attached. There is no step two. Photo: Flickr/twicepix tank-grrl: hello-missmayhem: cptprocrastination: doomhamster: belcanta: nikkidubs: attentiondeficitaptitude: belcanta: Guaranteed basic income to every citizen, whether or not they are employed to ensure their survival and that they live in a dignified, humane way, preventing poverty, illness, homelessness, reducing crime, encouraging higher education and learning vocations as well as helping society become more prosperous as a whole.  Wow. Forget raising the minimum wage. This is much much better idea. The minimum wage could actually drop if we had basic income. But Americans would never go for it. Miserably slogging through 12 hour days and having businesses open 24/7 is too engrained in our culture. “BUT WHERE WILL THE GOVERNMENT GET THE MONEY?” screamed Joe Schmoe, slamming a meaty fist onto the table and getting mouth-froth all over the front of his greying tank top. “You libt*rds all think money grows on TREES!! HAHA!”“But where will people get the incentive to work?!” Mindy Bindy cried, flapping her hands in front of her face. She’d had a fear of the unemployed lollygagging about ever since she was a child and her mother told her to be afraid of the unemployed lollygagging about. “You think people should get paid for nothing? I work hard for my money!” “But who will serve me?” grumbled Marty McMoneybags. “Who will make me feel important? Who will do my laundry and cook my food and stand in front of me wearing a plastic smile while I take out all my stress—because I do have a lot of stress, you know, being this rich is stressful—on them?” He paused and straightened out the piles of hundred dollar bills on the desk in front of him, then raised his two watery, outraged eyes up to the Heavens. “Lord, if there are no poor people, how will I know that I’m rich??” I laughed. This is perfect! Well said! The thing is, while I’m sure you could scrape up a few people who’d be willing to just float by on a guaranteed minimum income? For most people the choice to work would be a no-brainer. “Hmmm. I can get by on 33k a year, or I can take that part time job and make 48k… enough to move to a better apartment, maybe take the family on vacation. Sold.” Hell, most people would want to work simply because it gives one a sense of dignity and something to do with one’s time. (Speaking as someone who’s been unemployed, on extended sick leave, etc. in her time, the boredom and sense of isolation that comes with not having a job is almost as bad as the humiliation of having to depend on other people for one’s survival.) And with this system, part-time jobs and “non-skilled” jobs would be much more readily available because nobody would need to work two or three jobs just to stay afloat! Which would ALSO mean that employers and customers couldn’t shamelessly exploit employees the way they can today, because if losing a job weren’t necessarily a financial disaster, more people would be willing to walk out on jobs where they weren’t being treated with dignity. And if this also applies to students (and it should) then student loans would become much less of a problem, and fewer people would flunk out of school because of having to juggle studies and work. Far fewer people would be forced to stay with abusive partners, parents or roommates because they couldn’t afford to move out. And the thing is, all those people who suddenly had money? They’d be spending it. They’d be getting all the stuff they can’t afford now - new clothes, books, toys, locally-produced food, car repairs - and with each purchase money would flow BACK to the government, because VAT, also income tax. The unemployed and/or disabled wouldn’t need special support any more - which would also mean the government could fire however many admins who are currently engaged in humiliating - *cough* making sure those people aren’t getting money they don’t deserve. Same for medical benefits and pensions. And I’m no legal scholar, but I somehow imagine less financial desperation would lead to less petty crime, and hence less need for police and security everywhere? TL;DR Doomie thinks this is a good idea, laughs at those who protest. reblogging for more top commentary They tried something like this out in Canada as a sort of social experiment, called Mincome. What they found was that, on the whole, people continued to work about as much as they did before. Only new mothers and teenagers worked substantially less hours.  But wait, there’s more. Because parents were spending just a little more time at home and involved with their families, test scores increased. Because teens didn’t have to work to support their families, drop-out rates decreased. Crime rates, hospital visits, psychiatric hospitalizations and domestic abuse rates all dropped, as well. More adults pursued higher education. Those who continued to work reported more job flexibility and more opportunity to choose employment they preferred. Basically, now you can go prove to your asshole family members that society won’t collapse without poor people for you to feel better than. The picture is awesome, but read the commentary, that’s what I’m reblogging for.
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America, Bad, and Books: he Swiss are voting on a plan to end poverty forever. Step one: give every adult $33,600 a year, no strings attached. There is no step two. Photo: Flickr/twicepix lazorsandparadox: tank-grrl: hello-missmayhem: cptprocrastination: doomhamster: belcanta: nikkidubs: attentiondeficitaptitude: belcanta: Guaranteed basic income to every citizen, whether or not they are employed to ensure their survival and that they live in a dignified, humane way, preventing poverty, illness, homelessness, reducing crime, encouraging higher education and learning vocations as well as helping society become more prosperous as a whole.  Wow. Forget raising the minimum wage. This is much much better idea. The minimum wage could actually drop if we had basic income. But Americans would never go for it. Miserably slogging through 12 hour days and having businesses open 24/7 is too engrained in our culture. “BUT WHERE WILL THE GOVERNMENT GET THE MONEY?” screamed Joe Schmoe, slamming a meaty fist onto the table and getting mouth-froth all over the front of his greying tank top. “You libt*rds all think money grows on TREES!! HAHA!”“But where will people get the incentive to work?!” Mindy Bindy cried, flapping her hands in front of her face. She’d had a fear of the unemployed lollygagging about ever since she was a child and her mother told her to be afraid of the unemployed lollygagging about. “You think people should get paid for nothing? I work hard for my money!” “But who will serve me?” grumbled Marty McMoneybags. “Who will make me feel important? Who will do my laundry and cook my food and stand in front of me wearing a plastic smile while I take out all my stress—because I do have a lot of stress, you know, being this rich is stressful—on them?” He paused and straightened out the piles of hundred dollar bills on the desk in front of him, then raised his two watery, outraged eyes up to the Heavens. “Lord, if there are no poor people, how will I know that I’m rich??” I laughed. This is perfect! Well said! The thing is, while I’m sure you could scrape up a few people who’d be willing to just float by on a guaranteed minimum income? For most people the choice to work would be a no-brainer. “Hmmm. I can get by on 33k a year, or I can take that part time job and make 48k… enough to move to a better apartment, maybe take the family on vacation. Sold.” Hell, most people would want to work simply because it gives one a sense of dignity and something to do with one’s time. (Speaking as someone who’s been unemployed, on extended sick leave, etc. in her time, the boredom and sense of isolation that comes with not having a job is almost as bad as the humiliation of having to depend on other people for one’s survival.) And with this system, part-time jobs and “non-skilled” jobs would be much more readily available because nobody would need to work two or three jobs just to stay afloat! Which would ALSO mean that employers and customers couldn’t shamelessly exploit employees the way they can today, because if losing a job weren’t necessarily a financial disaster, more people would be willing to walk out on jobs where they weren’t being treated with dignity. And if this also applies to students (and it should) then student loans would become much less of a problem, and fewer people would flunk out of school because of having to juggle studies and work. Far fewer people would be forced to stay with abusive partners, parents or roommates because they couldn’t afford to move out. And the thing is, all those people who suddenly had money? They’d be spending it. They’d be getting all the stuff they can’t afford now - new clothes, books, toys, locally-produced food, car repairs - and with each purchase money would flow BACK to the government, because VAT, also income tax. The unemployed and/or disabled wouldn’t need special support any more - which would also mean the government could fire however many admins who are currently engaged in humiliating - *cough* making sure those people aren’t getting money they don’t deserve. Same for medical benefits and pensions. And I’m no legal scholar, but I somehow imagine less financial desperation would lead to less petty crime, and hence less need for police and security everywhere? TL;DR Doomie thinks this is a good idea, laughs at those who protest. reblogging for more top commentary They tried something like this out in Canada as a sort of social experiment, called Mincome. What they found was that, on the whole, people continued to work about as much as they did before. Only new mothers and teenagers worked substantially less hours.  But wait, there’s more. Because parents were spending just a little more time at home and involved with their families, test scores increased. Because teens didn’t have to work to support their families, drop-out rates decreased. Crime rates, hospital visits, psychiatric hospitalizations and domestic abuse rates all dropped, as well. More adults pursued higher education. Those who continued to work reported more job flexibility and more opportunity to choose employment they preferred. Basically, now you can go prove to your asshole family members that society won’t collapse without poor people for you to feel better than. The picture is awesome, but read the commentary, that’s what I’m reblogging for. With debt levels spiraling out of control as they are, america might have to do this in the near future, in order to prevent economic collapse from people just not having money to spend. The only problem i forsee with this is that, in order to get the money to distribute, taxes on rich people would have to increase by a lot, and if taxes raise too high, they just fucking move to another country to avoid paying them. If there was a way to prevent this, or if the whole world implemented a standard like this at the same time thereby removing the incentive to flee tax hikes, then this would absolutely work out great
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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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Life, Love, and Tumblr: Note from angry neighbor (above) and appropriate Army vet response (below) uov Or have. TAko, a . cour You look HANèicu Stup beis ASer OHFILE Dear Passive Aggressive Douche, First and foremost: In the state of Texas, if a vehicle has DISABLED VETERAN license plates that vehicle is not required, BY LAW, to have a handicapped placard displayed, nor a handicapped emblem on the license plate, UNLESS that vehicle is parked on FEDERAL property. If you had bothered to spend 30 seconds and pull the minlature computer out of your pocket to research this then you would have never needed to leave me this offensive note. Considering that you took a picture of my license plate you should have been able to very clearly see the writing at the bottom that says: DISABLED VETERAN U.S. ARMED FORCES Butpobably just let your emotions gethe best of you and felt like being a social justice hero. Secondly: Although I may not "look handicapped to you, I can assure you that the amount of pain I feel in my lower body from walking due to combat sustained injuries far supersedes any level of pain you have ever felt in your entire life. Or maybe not....Who am I to say? After all, I don't even know who you are. By the way, I would love to hear what your idea of a handicapped person "looks like. Asshole Lastly You may have noticed there is a photocopy of the note you left attached to my response. I kept the original. I think I'm going to frame it so 1 can look at it every day as to remind myself of what kind of person to NOT be Sincerely The guy who doesn't look handicapped srsfunny:Angry Neighbor Vs. Army Vet
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