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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.
Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand

Helping hand

Bailey Jay, Complex, and Crazy: lebanon-hangover: partlysmith: gelunnucifera: callan-the-misandrist: positive-press-daily: This lamp absorbs 150 times more CO2 than a tree It’s still in the “so crazy it just might work” stage, but these microalgae-powered lamps, invented by French biochemist Pierre Calleja, could absorb a ton of carbon from the air every year. That’s as much as 150 to 200 trees. [x] NEAT YOU DON’T UNDERSTAND. This is ingenious. The design is a light bulb surrounded by a glass casing. The glass is filled with (water based) media and microalgae. The top is permeable to gasses so that gas exchange can occur. All of the wiring is linked to the grid underground. Since the light source is inside, it gets scattered and “dimmed” by the water and algae. This makes it less glaringly bright and scatters the light wider, which is good for a street light. It is not longer white light as well, which helps make it easier on the eyes while still providing light. At the same time, it provides the light for photosynthesis in the algae, so they are continuously exchanging CO2 for O2, not just in the day. It also provides a source of heat, which helps keep the algae from going dormant during cold weather (as in the snowy picture above). And notice how I did not specify permeability - that’s because NOx’s (NO and NO2) are also permeable and can be used as nitrogen sources to microalgae. In fact, algae are relatively low maintenance. As autotrophs, they don’t require super complex media, not does it really need to be changed/added to. (I’m actually fairly certain that there would still be algae in these tanks a year later; it may need to be cleaned or something, but there would be some living algae.) solar punk sensibilities with cyber punk aesthetic Swamplamp

lebanon-hangover: partlysmith: gelunnucifera: callan-the-misandrist: positive-press-daily: This lamp absorbs 150 times more CO2 than a ...

Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand

Helping hand

Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand via /r/wholesomememes http://bit.ly/2t4oMUO

Helping hand via /r/wholesomememes http://bit.ly/2t4oMUO

Community, Confidence, and Friends: faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said Mom it's full of older boys"I calmly said So what, they don't own the skate park" She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said 'Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?" You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Wholesome comes from many places

Wholesome comes from many places

Being Alone, Anaconda, and Best Friend: rapid-artwork Movie Pitch A strict all girls boarding school is across a river from a strict all boys boarding school Boys and girls are forbidden from fraternizing, but they find sneaky ways to form friendships and even date. I assume there is heavily monitored internet and phones are for emergencies only so they have to resort to more unconventional methods of communication. (Messages in bottles, a system of mirrors, writing on chalkboards and putting them in the windows ect.ect.) Until one day a shy boy at the boys boarding school tells his best friend (and the leader of a resident well meaning bovs gang) that he actually feels more like a girl The gang leader contacts the leader of a girl gang across the river and they begin to plan an overly elobrate heist to smuggle the shy trans girl across the river in exchange for a chill tomboy and the two will assume each other's lives until they graduate. Hijinks ensue as they pull a 'Great-Esacpe' style mission to avoid detection from the overly strict headmasters and an overly passionate team of campus security guards. Friendships are tested, there is lots of home alone style logic to outsmart the adults, and there is romantic tension between the leaders of the gangs as they put aside their differences to help their two friends find a place to be themselves. It is light-hearted in tone but is also over the top and everyone plays it way too serious to the point of comedy. The two kids swapping places have classic "parent trap" style hijinks pretending to be the other person and avoid detection. Think "kids next door""recess" but shot like a heist movie. Add a funny character actor as a dopey but well meaning janitor and you got a stew going. sleephawhoneedsit As a parent of two young impressionable children l 100% would take them to see this movie 19,090 notes “Kids Next Door + Reccess Heist Movie”

“Kids Next Door + Reccess Heist Movie”

Ether, Netflix, and Parks and Recreation: This is probably the best customer service exchange ever... Netflix Customer Service You are now chatting with: Michael 16 minutes ago You I have a problem to report Netilix Michael This is Cpt. Mike of the good ship Netfiox, which member of the crew am I speaking with 6 minutes ag 6 minutes ag You 6 minutes ago Greetings, Captain. Lt. Norm here 15 minutes ago Engineering has a problem to report Netflix Michael LT, what seems to be the problem? 15 minutes ago 5 minutes ag Visual displays are erratic, sir 4 minutes ago season 5, episode 13 of Parks and Recreation is behaving oddly Netflix Michael How so, LT? You at 5 minutes of operation You 4 minutes ago 4 minutes ago 14 minutes ago 4 minutes ago the visual creates a temporal loop 4 minutes ag and nearly 3 seconds of footage repeats over and over again 3 minutes ago Our ship seems to be immune to the eflect, as our lves are not actually repeating over and over Netflix Michael Oh, no. LTI told you no watching Netfiox while we sail through the Burmuda Triangle. ) 3 minstes a 3 minutes ago Dammit, m an engineer, not a navigator Netflix Michael 3 minutes ago 2 minutes ago We are not sure whether our instruments are at fault, or if some anomaly is present Netflix Micha LT Norm, does this happen at any other points on any other shows? minutes ago 11 สunutes ago But, this temporal loop has occurred at the same place on three separate days You no other episodes of ether Parks and Rec or other shows have been affected You We have attempted restarting the episode from the beginning, and she didn't budge minutes ag 0 minutes ago 0 minutes ago Netflix Micha LT. that is no good at all. 0 minutes ag We also attempted to start the episode "after the anomaly, and we were pulled back in and the loop continued minsites ag Ok. I will get this issue fagged so our techs can look at it minutes ag Worst of all, Captain.. the dalogue . It looped over Councilwoman Knope saying, This s real lide. This is real Ide. This is real lde WHAT DOES IT MEAN? Netflix Michal minutes ag HAHA Netlix Michal That is a homible place to get stuck Netflix Michaal Councilwoman Knope is such a worrier minutes ag 8 minutes ago 1 minutes ag Indeed, Captain. Netlix Michael 0 minutes ago 0 minutes ago [Oh, also, your report a problem with streaming wasn't working a minute ago. Hence this chat, which also happens to be best customer senice experience I think I have ever minutes ago Well thank you. Netllix Michael We got that reported on our end minutes ag minutes ago This needs to go on a blog somewhere minutes ag you will get a prompt to receive a transcript of this conversation when we are done. 8minutes ago Netflix Michael LT Norm, are there any other Netflix issues I could help you with today? You I almost wish there were minutes ago 7 minutes ago minutes ago Hehe:) Have a wonderful night. And one more thing, if you wouldn't mind, please stay online for a one question survey You minutes ago This chat session has ended you satisfied with your Netflix experience? No Thanks for your feedback you should probably go to TheMetaPicture.com lolzandtrollz:Guy Goes Online To Complain, The Best Thing Happens

lolzandtrollz:Guy Goes Online To Complain, The Best Thing Happens

Amazon, Anaconda, and CoCo: Hend Amry @LibyaLiberty Follow I will pay more for a chocolate bar if it means less slavery how is this a serious warning. Mike S. Omer-Man@MikeOmerMan Nestle says slavery reporting requirements could cost customers srmi.exiiauafoliiicxi/icxlkir... 12:21 AM-5 Sep 2018 2,117 Retweets 8.247 Likes bet @③ scootsenshi: weeelllp: rsbenedict: kaijutegu: roachpatrol: I WOULD PAY TEN TIMES AS MUCH FOR CHOCOLATE IF IT MEANT REDUCING THE AMOUNT OF SLAVES IN THE WORLD? HOW IS THIS ANY KIND OF PROBLEM.  good news, you can! the company’s called Tony’s Chocolonely and their entire purpose is to make slave-free chocolate and reform the chocolate industry. https://tonyschocolonely.com/us/en https://en.wikipedia.org/wiki/Tony%27s_Chocolonely Whole Foods carries it. If you don’t want to support an Amazon-owned company, World Market carries it. You can also buy it directly from the company.  It’s the best chocolate I’ve ever had and it’s 100% slave free. Tony’s Chocolonely works really hard to push for transparency within the chocolate industry and actually has and is following an action plan to eliminate slavery within cocoa production. They’re good people who make good chocolate. A list of slavery-free chocolate companies: Aldi Aloha Feels Chocolate Alma Chocolate Alter Eco Chocolate Amano Chocolate Askinoise Chocolate The Beach Chocolate Factory Belicious Black Mountain Chocolate Cacaoteca Caribeans Chocolate Castronovo Chocolate Charm School Chocolates Chocolate Cartel Chocolat Celeste Chocolate Tree Chocolate Troubadour Choconat Coco Chocolate Compartes Chocolates Dandelion Chocolate Dark Forest Chocolate Denman Island Chocolate Divine Chocolate Co. Eating Evolved Eat Your Hat El Ceibo The Endangered Species Equal Exchange Fairafric Forever Cocoa Fresco Chocolate Fruition Chocolate Gayleen’s Decadence GEPA Chocolate Giddy Yo Yo Grenada Chocolate Company Grocer’s Daughter Chocolate Guittard Habitual Chocolate Hagensborg Chocolates Health by Chocolate Hilo Shark Chocolate HNINA Gourmet Honest Artisan Chocolate Hooray  Tuffles Ithaca Fine Chocolates L.A. Burdick Chocolates La Iguana Chocolate Lake Champlain Chocolates La Siembra Cooperative Lillie Belle Farms Madecasse Malagasy Maverick Chocolate Company Max Havelaar Mayan Monkey Mayordomo Mia Chocolate Montezuma’s Chocolates Nayah Amazon Chocolates Newman’s Own Organics Purdy’s Chocolate Omanahene Cocoa Bean Company Ombar OpuLux Fair Trade Chocolate Original Hawaiian Chocolate Parliament Chocolate Montevérgine Patric Chocolate Plamil Organic Chocolate Potomac Chocolate Pure Lovin’ Chocolate Rain Republic Rapunzel Pure Organics Ritual Chocolate Samaritan Xocolata Sappho Chocolates Seed Bean Chocolate Shaman Chocolates Sibú Chocolate Solkiki Chocolate Sweet Earth Chocolates Sweet Impact Fudge Sweet Riot Sun Eaters Organics Taza Chocolate Terra Nostra Organic Terroir Chocolate TCHO The Chocolate Wave Theo Chocolate The Original Chocolate Bar (Houston, TX) Tobago Estate Chocolate TONY’S CHOCOLONELY Vivani Chocolate Vosges Wei of Chocolate Xocolatl Chocolate Zotter Crazy how the main three chocolate companies in the US are all terrible Makes sense

scootsenshi: weeelllp: rsbenedict: kaijutegu: roachpatrol: I WOULD PAY TEN TIMES AS MUCH FOR CHOCOLATE IF IT MEANT REDUCING THE AMOUNT O...