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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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Alive, Animals, and Cats: Meg OVeganMegane Vegans who feed their pets meat: u guys have gotta see the bigger picture. We shouldn't support animal exploitation w/ our money That's it. 7/13/16, 10:50 PM aer @thelilmermade @VeganMegane yes um so how would I feed my cat? 7/13/16, 11:02 PM lI VIEW TWEET ACTIVITY Meg @VeganMegane @thelilmermade is your cat male or 7m female? :) check out this website for more info: vegancats.com/ veganfaq.php Meg @VeganMegane @thelilmermade I know you want to best for your companion, and I won't deny that there are risks, but you can minimise those risks! 5m someoneintheshadow456: nautica-the-savant: marbledmartin: thegrumpymathematician: nunyabizni: sarcasmsuitsme: skypig357: iswearimnotnaked: hi hello CATS!!!! CANNOT!!!! BE VEGAN!!!!! i cannot believe i have to fucking say this. dogs are omnivore and IF YOUR VET APPROVES your pooch MAY be able to go on an APPROVED(!!!!!) commercial vegan dog food like the brand “v-dog” which has all the essential vitamins, protein, etc. (the oldest record winning dogs have been vegan) cats are CARNIVORE and cannot fucking live on a vegan diet. a vet would laugh in your face and probably find some way to have your pet taken away from you because you’re obviously not fit to have an animal if you think you can feed a cat a diet based on your own ethics i’m vegan but this is so fucking harmful. it’s about minimizing your harm, not putting your animals on risky diets in an attempt to be perfect. DON’T FUCKING DO THIS TO YOUR PETS Idiot people If you see someone you know doing this, report them for animal cruelty and neglect. ^^^^^^^^^^^^^^^^^^^^^^^^^^^^ This posts, and many of the notes on it, are bothering me. Ladies, gentlemen, esteemed colleagues from outside the confines of the gender binary; gather ‘round. Let’s throw some science in this joint. 1. Humans. Humans are not cats. Humans are not dogs. One would think this obvious, but people have a tendency to attempt such interspecies comparisons when discussing diet. Humans are order omnivora; we have essentially evolved in a manner that attempts to give us as much dietary flexibility as possible. We do, however, require a substance called B12 (or cobalamin), which is extremely important for brain and nervous system functions, as well as the synthesis of DNA and the construction of red blood cells. We cannot produce this vitamin ourselves–no animal, plant, or fungus can. The enzymes used in cobalamin production are essentially unique to bacteria and archaea–some species of which hang out in the digestive tracks of other animals. We get cobalamin in a roundabout way from fish, shellfish, meat, eggs, milk, and dairy products. While there is no naturally-occurring, vegan source of the vitamin that has been demonstrated effective in a human study of statistically significant sample size, effective synthetic forms do exist and can be used as a substitute.  Cyanocobalamin is one of the most common and is frequently found in fortified foods and vitamins. In short: Humans are omnivores. Humans have evolved for dietary flexibility, including viable vegetarianism. Humans did not evolve for veganism (be extremely suspicious of people who tell you that we did, as they are lying), but due to modern technologies, veganism is also a viable diet that humans can thrive on, should they so choose. 2. Cats. Cats are order carnivora. Cats require (amongst other things) an amino acid called taurine. We’re not quite sure how, exactly, but we know that it’s extremely important to feline heart wall tissue, retinal tissue, and brain tissue amongst other things. Cats cannot manufacture their own taurine, and must get it from other sources–primarily shellfish, fish and meat. Taurine breaks down when heated, so feeding your cat a home-cooked diet rich in this foods is also not necessarily a good idea (talk to a vet). Secondary (read: SUPPLEMENTARY. NOT A SOLE SOURCE OF TAURINE.) sources of taurine for cats include dairy, eggs, and seaweed- or yeast-based taurine supplements. In nature, cats don’t really need to worry about getting enough taurine, because (as you may have noticed), taurine sources are indeed the things that cats tend to catch and eat. However, a cat that lives in a human household is dependent on humans for food, and sometimes humans are utter fucktrucks. In short: Cats are obligate carnivores. Their primary source of nutrition is meat. They must eat meat, preferably as close to raw as possible. They have digestive tracks designed for digesting meat. There are vegan/vegetarian cat kibbles on the market. Do not buy them. Your cat is neither vegan nor vegetarian, and if you adjust their diet as if they were, you are a terrible person who is harming and possibly killing your pet. You suck. End of discussion. 3. Dogs. Dogs are slightly more nuanced here. They are facultative carnivores–meaning that they optimally should eat meat, but can survive on other things if resources are scare. Dogs also need the amino acid taurine, but can technically manufacture it themselves if the proper building blocks are in their diets. They also need vitamin D–D3 is preferable, but D2 can be used to some degree. Dogs are somewhere between us (the true omnivore) and the cat (the true carnivore). A vegan or vegetarian diet will keep a dog alive, certainly, but is unlikely to allow your pet to thrive as it lacks the recommended nutrients. You should probably be feeding your dog meat. The exception here–some dogs are allergic to conventional dog foods, or find symptoms of certain diseases alleviated by vegetarianism. In this case, a veterinarian (not you, layperson, I mean an actual trained veterinarian) may determine that the benefits of putting your dog on a vegetarian/vegan diet outweigh those of feeding your dog meat. This is relatively rare, but does occasionally happen. And no, actually, the oldest dog is not vegan–Bramble is the only dog on this list that I found had some indication of veganism. The oldest dog on record is an Australian Kelpie named Maggie, who was not vegan. It is more likely that Bramble lived that long despite the veganism, not because of it. In short: If a vet thinks that your dog may be allergic to dog food/require a special diet and recommends you try feeding it a vegetarian/vegan diet, listen to your vet. Otherwise? Dogs are carnivora. They do need vegetables and other sources of nutrients, but their optimal fuel, as it were, is meat. Your dog needs meat to be happy. Fucking feed your dog.  Now, I did manage to find two veterinarians who disagree with every other study I dug up and the American Veterinary Medical Association. Their articles are here and here. They don’t really have sources, and are essentially wholly dependent on anecdotal evidence (“my dog is a vegetarian and hasn’t died!”), but for those of you data cherry-pickers reading this, there you go.  As a rule, dogs and cats need meat. If that makes you uncomfortable, that is your problem, not theirs. If you try to implement a vegan or vegetarian diet for your pets because you implemented one for yourself, you shouldn’t have those pets. That is animal abuse. (By the way, those of you not feeding your cats and non-allergic dogs the food they need to survive and thrive? What the fuck is wrong with you? Do you not love your pets?) TL;DR If you do not want a pet that must be fed meat, you should under no circumstances acquire a cat or a dog. Thank you for your time. Rebloobing for the more detailed info on B12 and obligate carnivore vs true omnivores Always reblog. Dear Vegans, If you’re not willing to at least feed your dogs and cats commercial food, get a rabbit or a parrot.
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Books, Friends, and Guns: CBS News @CBSNews BREAKING: Abortions after six weeks will now be illegal in Georgia as Gov. Kemp signs the "heartbeat bill" cbsn.ws/2JmzeAg 11:05 AM May 7, 2019 Sprinklr 568 Retweets 1.1K Likes snowy2989: skykull: sleepyowlet: bonkai-diaries: she-lives-in-my-lap: classyblacksoul: adriennegabriella: classyblacksoul: Wtf most women don’r even know they are pregnant at 6 weeks. This is violence. Keep reading Ever notice how it’s never the time to talk about guns–even though NOBODY is immune to a bullet–but it’s always time to talk about abortions and new bills to stop them? They really should say they hate women and go. Fuckin idiots smh IT GETS WORSE: I propose a post-natal abortion for every fucker who voted for this bill. As a Georgian, this terrifies me. My husband and I are shocked. My friends are worried. But we can let Kemp know that we oppose this bill. https://gov.georgia.gov/contact-us Address:The Office of the GovernorState of Georgia203 State CapitolAtlanta, Georgia 30334 Mailing address:206 Washington StreetSuite 203, State CapitolAtlanta, GA 30334 Please, please let yourself be heard. Inform and organize others. We cannot change things by sitting around.  Everyone should be aware that this bill is already on the books in Ohio and other states. In Ohio it has no exceptions for rape or incest, either, irregardless of the victim’s age - there’s a rumor going around that there’s an 11-year-old in the northwest who’s legally unable to abort her pregnancy.
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Drugs, Jail, and Monopoly: Business An HIV treatment cost taxpavers millions. The government patented it But a pharma giant is making billions Antiretroviral pills Truvada sit on a tray at Jack's Drug Store on Nov. 23, 2010, in San Anselmo, Calif. (Justin Sullivan/Getty Images) By Christopher Rowland March 26 at 7:26 PM Thomas Folks spent vears in his U.S Centers for Disease Control and Prevention lab developing a treatment to block deadly HI co AIDS V in monkeys. Then San Francis researcher Robert Grant, using $50 million in federal grants, proved the treatment worked in people who engaged in risky sex Their work-almost fully funded by U.S toxic-spill: socialistexan: whyyoustabbedme: https://www.washingtonpost.com/business/economy/pharma-giant-profits-from-hiv-treatment-funded-by-taxpayers-and-patented-by-the-government 1. Taxpayer-funded research discovers new use for HIV drug; 2. Company w/ monopoly on drug says gov cant patent it; 3. Company makes $3B on drug/year; 4. Taxpayers get no return on investment, ~80% who need treatment dont get it Our capitalist aristocratic elites commit mass murder and treason against the people, and make billions, some black guy gets caught with a joint and goes to jail for years… “American justice” sure is a joke This is incredibly common with pharmaceuticals in the US. Drugs are researched with public funds, patented by the government, but then they are given directly to a private corporation for billions (if not trillions) in profit for that corporation. 210 drugs from 2010 to 2016 benefited from this process. Kill capitalism before it kills humanity.

toxic-spill: socialistexan: whyyoustabbedme: https://www.washingtonpost.com/business/economy/pharma-giant-profits-from-hiv-treatment-funde...

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Life, School, and Teacher: Fo THE BIG OG. 0 UIN 4 My high school gov teacher put himself on a cover of Forbes and read it on a plane while he sat in first class for the first time in his life.

My high school gov teacher put himself on a cover of Forbes and read it on a plane while he sat in first class for the first time in his lif...

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Amazon, Facebook, and Family: Agriculture Nature bogleech: revretch: awed-frog: Prairies are some of the most endangered ecosystems in the world, with the tallgrass prairie being the most endangered. Only 1-4% of tallgrass prairie still exists. Prairies are critically important, not only for the unique biodiversity they possess, but for their effect on climate. The ability to store carbon is a valuable ecological service in today’s changing climate. Carbon, which is emitted both naturally and by human activities such as burning coal to create electricity, is a greenhouse gas that is increasing in the Earth’s atmosphere. Reports from the International Panel on Climate Change, a group of more than 2,000 climate scientists from around the world, agree that increased greenhouse gases are causing climate change, which is leading to sea level rise, higher temperatures, and altered rain patterns. Most of the prairie’s carbon sequestration happens below ground, where prairie roots can dig into the soil to depths up to 15 feet and more. Prairies can store much more carbon below ground than a forest can store above ground. In fact, the prairie was once the largest carbon sink in the world-much bigger than the Amazon rainforest-and its destruction has had devastating effects. [source] I just have to add–that extensive root system? It’s not just how the plant eats, and how it keeps itself from getting pulled out of the ground during storms, or dying when its aboveground portion is eaten… it’s how it talks to its friends and family, how it shares food with its friends and family, and more than likely, how it thinks. That’s a whole plant brain we’ve domesticated away, leaving a helpless organism that has trouble figuring out when it’s under attack by pests, what to do about it, has very little in the way of chemical defense so it can do something about it, and can’t even warn its neighbors. Even apart from the ecological concerns, what we’ve done is honestly pretty cruel. Here’s some more articles on this too!https://www.theguardian.com/science/2018/may/02/plants-talk-to-each-other-through-their-rootshttp://www.bbc.com/earth/story/20141111-plants-have-a-hidden-internethttps://www.the-scientist.com/features/plant-talk-38209Whether or not you think this should qualify as a form of “intelligence” as we know it (which in itself as a pretty nebulous and poorly defined thing), plants exhibit complicated interactive behaviors that help them grow and thrive, and the way we harvest a lot of them for our produce just doesn’t even give them a chance to reach their maturity and begin trading nutrients the way they’re supposed to.

bogleech: revretch: awed-frog: Prairies are some of the most endangered ecosystems in the world, with the tallgrass prairie being the mo...

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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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