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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, Anaconda, and Animals: i-should-be-writing-rn: inlovewithaleheather: thecuckoohaslanded: gerbthenerd: alexander-lamington: thelizardprincess: biglawbear: blacksirencry: swaglexander-the-great: #That’s a#That’s a blue ringed octopus#You’re going to die do you realise that#It is literally one of the most deadly animals in the world#Not just in Australia or just in the ocean in THE WORLD#Put it DOWN#And go to a hospital jfc via platonic-rabbit  me tryna find out if this fool died “The blue-ringed octopus, despite its small size, carries enough venom to kill twenty-six adult humans within minutes. Their bites are tiny and often painless, with many victims not realizing they have been envenomated until respiratory depression and paralysis start to set in.[8] No blue-ringed octopus antivenom is available yet, making it one of the deadliest reef inhabitants in the ocean.” Holy shit And this is why I don’t go in the ocean anymore Also the blue rings literally only show up when it is distressed so this person has angered it!!! You are in danger friend!!! Actually this guy keeps them as pets they’re on his instagram (william_exotique) and he frequently holds then and I just? Don’t know why? And also every picture or video he posts of them shows the blue rings so they’re always in distress I just do not understand why he’s doing this #AMY EXPLAIN HOW DUMB THIS GUY IS  I mean OP pretty much covered it.  A blue ringed octopus is almost on the level of CONE SNAIL on the list of things you ABSOLUTELY DO NOT PICK UP UNDER ANY CIRCUMSTANCES. But ask and you shall receive,  On this episode of “Fun Facts With Cuckoo,” DEAD.  YOU’RE DEAD.  EVERYTHING IS DEAD AND YOU SHOULD NEVER TOUCH ANYTHING IN THE OCEAN EVER AGAIN. There are many things that will kill you. [citation needed] There are fewer, but still many things that will kill you FAST. There are yet fewer things that kill you fast and by such an overwhelming margin of overkill that nervous laughter is our only solace in the dark of this terrible, surprisingly Lovecraftian world of unearthly horrors that we live in. Of the things that I know about which will kill you fast via just plain insultingly potent venom, which is a not insignificant number of things because I know a not insignificant number of things, there are about 3 things in the ocean – IN THE WHOLE OCEAN – which are so insanely, mind-bogglingly deadly that there is pretty much no possible hope for survival (I mean you CAN, but god help you if you’re ever in that situation, because god’s just about damn near the only thing that CAN help you).  THE. WHOLE. OCEAN. Those three things are the Irukandji (a tiny (1cm) species of box jellyfish, which has stingers not only on its tentacles but on its BELL, for reasons no one has definitively figured out, and is so toxic despite its size its sting can cause a severe brain hemorrhage), the cone snail (a group of carnivorous sea snails that is accepted to be the most venomous animals on earth, with a STUPIDLY fast acting and extremely powerful neurotoxin that has in at least one case killed a human ALMOST INSTANTANEOUSLY, because the swimmer who found two beautiful shells (unfortunately cone snails tend to have very pretty shells which makes people want to pick them up) was holding them up for a picture and ended up being stabbed in the neck by not one but TWO cone snails at the same time, and it is believed that she was literally dead before she hit the ground, I mean LITERALLY in a 100% non-fictional and non-exaggerated way, in between the time the two cone snails stabbed her and the time her limp body hit the sand, she was not alive anymore), and the blue ringed octopus. It is POSSIBLE to survive any of these.  But not without immediate medical attention.  Of these three, the Irukandji is by far the most treatable, because Australia and other coastal regions (including Florida and other parts of the US) are kind of experienced in dealing with box jellyfish. The blue ringed octopus will fucking kill you.  There’s no antidote for their venom, ONE COMPONENT OF WHICH (tetrodotoxin) is 1200 times deadlier than cyanide.  It’s a powerful neurotoxin (most of the worst venoms are because the species that produce them need to kill or at least paralyze their prey quickly, like jellyfish whose fragile tentacles could be damaged if their food doesn’t stop struggling) that attacks the sodium channels and causes muscle paralysis.  It doesn’t necessarily kill you quickly.  It PARALYZES you quickly, so that you can’t really call for help or describe the problem, and you will probably end up slowly suffocating from a paralyzed diaphragm.  Tetrodotoxin can be metabolized by the body in a matter of hours, but it can also kill you in a matter of minutes if you get a lethal dose (which isn’t much, the LD50 or median lethal dose, the dose at which you have a 50% chance of survival, is only 8 MICROGRAMS per kilogram of body weight (as tested in mice)).  This is, by venom standards, not a large amount, which means the animal that is capable of putting this venom inside your body is very very good at killing the absolute shit out of you. DON’T TOUCH THE BLUE RINGED OCTOPUS. Now, because overkill is my motto, let me briefly explain why Conus geographus is the undisputed champion of YOU WILL NOT SURVIVE, AND FURTHERMORE FUCK YOU FOR THINKING OTHERWISE. A cone snail walks into a bar.  You’d expect the bartender to ask, “what’s your poison,” but they were paralyzed before they could ask and OH LOOK they’re already FUCKING DEAD ON THE GROUND. Conus geographus is about 4-6 inches long and nature’s equivalent of Avada Kedavra.  Cone snails literally have their own KIND of toxins named after them: conotoxin.  Not only is there no antidote, but their venom AGGRESSIVELY RESISTS our ability to find a cure, because we barely understand how it works AND conotoxins are so internally varied, even within a single species, that any one antidote isn’t going to help because they’re constantly mutating and evolving their venom to prevent their prey from evolving a resistance to it.  Plus their venom is like, a bunch of different venoms all at once JUST IN CASE any one of them wasn’t good enough. I want you to read these two sentences from the wiki page on conotoxin: “Conotoxins have a variety of mechanisms of actions, most of which have not been determined.” “The LD50 of conotoxin is 50 ng/kg.” Remember how the LD50 of tetrodotoxin is 8μg/kg?  Conotoxin is 160 times more potent.  FIFTY NANOGRAMS PER KILOGRAM HAS A 50% CHANCE OF KILLING YOU. A 220-POUND HUMAN HAS A 50% CHANCE OF SURVIVAL AGAINST JUST 5 MICROGRAMS OF CONOTOXIN.   I DID SOME MATH.   IT WOULD TAKE 7-9 MILLIGRAMS OF CONOTOXIN TO KILL A BLUE WHALE, THE HEAVIEST ANIMAL TO EVER LIVE. (based on weight estimates from 300-400,000 lbs.) Conus geographus is so fucking deadly that “In two cases of envenomation, only 0.0002-0.0005 mg resulted in severe paralysis.” THIS THING KILLS STUFF SO HARD THAT BEFORE YOU HEAR THE FIRST “MORTAL KOMBAT” IN THE MORTAL KOMBAT THEME, THERE’S PROBABLY ALREADY BEEN A FATALITY. And guess what?  Cone snails don’t do that NOOB SHIT with the superficial biting or stinging.  Your wetsuit or gloves won’t protect you.  Because homeboy didn’t bring teeth to evolution’s knife fight.  Oh no.  It brought a motherfucking radula POISON HARPOON.  It’s lightning fast and has way more piercing power than some silly little cnidocytes or salivary bacteria. Another component of their venom is being researched for its potential as a pain reliever.  “WHY WOULD YOU DO THAT????” you might reasonably ask.  And you would be right to do so, because science has gone too far and has surely sinned against the very image of Mollusca Kedavra.  Well, it turns out the answer is “Research shows that certain component proteins of the venom target specific human pain receptors and can be up to 10,000 times more potent than morphine without morphine’s addictive properties and side-effects.”  That’s right, the part of their venom that SPECIFICALLY DOESN’T HURT YOU is up to 10,000 times more potent than morphine. Also, Conus geographus (along with one other cone snail species, C. tulipa) is the only known non-human animal to weaponize insulin.  In addition to the normal insulin that the snails produce for their own use, their bodies manufacture an ADDITIONAL insulin molecule that is similar to the kind produced in fish (which they eat) for the sole purpose of stunning their prey through hypoglycemic shock.  BECAUSE APPARENTLY THEY DON’T FEEL LIKE THEY’D KILL YOU HARD ENOUGH OTHERWISE. IF you are going to survive the ALMIGHTY CONE SNAIL, WHO KNOWS NO FEAR, TRIUMPHANT HEDGEMON OF THE MOLECULAR ARMS RACE, TRUE BORN HEIR TO THE SCYTHE OF DEATH ITSELF, FISHSLAYER, GOD AMONG MOLLUSKS, WHOSE WRATH IS MERCIFUL ONLY IN ITS BREVITY, ADMIRABLE IN ITS BEAUTY AND UNSULLIED BY THE UNWORTHY TOUCH OF MORTAL HANDS OR SCALES OR REALLY ANYTHING IN RANGE OF ITS RADULA HARPOON, then literally the only thing that’s going to save you is for you to be kept alive artificially (externalizing your respiratory functions to force your body to continue breathing, basically) until the effects of the venom wear off.  And because of how quickly this venom acts, you need to get that medical attention VERY, VERY FAST. And if you don’t get it, you will still be conscious while the paralysis slowly suffocates you to death. Don’t touch the pretty shells. I’ve never been so intrigued to learn how easily I could be fucking exterminated from existence by the overpowered sea creatures of the world. You’ve done a better job at keeping my attention then any of my teachers ever have. You know what I’m putting this on the writing blog cause I personally can see potential in some fantasy villain attempting to weaponise cone snailsIn which case, all hail snail king 🐌
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Africa, cnn.com, and Fucking: CNN @CNN CAN Follow 40 million people with diabetes will be left without insulin by 2030, a new study predicts cnn.it/2RdoAg7 2:45 PM 24 Nov 2018 ·IC@ 1,000 Retweets 1,355 Likes Saintも @saintbt? Follow This is class genocide CNN @CNN 40 million people with diabetes will be left without insulin by 2030, a new study predicts cnn.it/2RdoAg7 7:05 PM - 24 Nov 2018 2,179 Retweets 7.765 Likes trekmemes: ohnoagremlin: gahdamnpunk: AND a race one since the most affected regions will be Africa, Asia and Oceania as a friend pointed out, this headline makes it sound like supply will be dwindling. supply is fine. people will be *priced out*. this is fucking MURDER. insulin has been mass produced (from animal extracts) since -1923-. slow acting insulin has existed since the ‘50s, and ‘human’ genetically engineered insulin (derived from E. coli bacteria) has existed since 1982. insulin treatment for diabetes is not some new or ‘unproven’ treatment. according to beyondtype1, “Humalog rapid-acting insulin came on to the market with a list price of $21 a vial in 1997.” adjusting for inflation, a vial these days should cost about $34 at most. instead, it costs over $300. there is NO reason for it to be steadily gaining in price to the point that diabetics are unable to afford their lifesaving medication, other than the sheer inhuman greed of pharmaceutical manufacturers. let me reiterate: life without insulin (for Type 1 diabetics in particular) is a slow and painful death sentence. the ability to treat diabetes is a relatively modern phenomenon that has allowed countless people to live full, healthy lives. we should be expanding full covereage and access to insulin to diabetics the world over, and it should be FREE.
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Animals, Bad, and Cars: 366 WTNT41 KNHC 102055 TCDAT1 Hurricane Florence Discussion Number 46 NWS National Hurricane Center Miami FL 500 PM AST Mon Sep 10 2018 AL062018 Unfortunately, the models were right. Florence has rapidly intensifled into an extremely dangerous hurricane, with 30-second GOES-16 visible imagery showing well-defined eyewall mesovortices rotating inside of the eye. A NOAA Hurricane Hunter aircraft found peak SFMR winds of about 120 kt, with flight-level winds and dropsonde measurements also supporting that value for the initial wind speed estimate. Notably, the aircraft data also show the size of the hurricane-force winds has doubled in the past 12 hours thehmarie1089: your-reference-here: This is from the forecast discussion of Major Hurricane Florence from this afternoon. As a meteorologist, when I saw this, my heart sank. They don’t use wording like this for every storm. Florence is going to be a devastating. There will be huge amounts of flooding, both from inland rain and from costal storm surge. Winds are going to be some of the strongest you can get from a hurricane. People within the path of this storm could lose everything. If you know anyone who lives on the North or South Carolina coast, tell them that if there’s an evacuation ordered, they need to get the hell out. Do not take chances with this one. Reblogging again to add a list of things/essentials from a friend who lives on the NC coast and has weathered hurricanes and other bad weather: - toiletries (paper towels, toilet paper, baby wipes for “bathing” in case power water go out) - water, 1 gallon per person for at least 7 days (err on the side of caution if possible); more if you have animals!! - non perishable food items, if you get canned food make sure you have a can OPENER - pet food supplies, if you’re really worried about flooding it may be beneficial to get life vests for your pets, also find a way to put identification information on them! - batteries - flashlights - battery packs for cell phones charged up in case of loss of power - filled cars with gas filled gas can(s) - get all essentials like passports, important docs, and cherished items together ready to go - just in case, determine a way to get onto your roof safely - fill bathtubs with water so if water isn’t available you can refill the toilets to keep flushing and keep waste to a minimum - if you have dogs look up how to make a makeshift potty, you can use a hard baby pool and some sod potentially - check your prescriptions and get them refilled now if necessary - if you’re taking insulin and lose power, fill a separate cooler for your insulin than the one you would use for food. Insulin food If your place begins to flood get the hell OUT of the water!!! There is no telling if you have a live electrical charge in there! Do not cross any water you cannot see the bottom of the ground in. I’m serious. Read up on flash floods and common safety tips.

thehmarie1089: your-reference-here: This is from the forecast discussion of Major Hurricane Florence from this afternoon. As a meteorologis...

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9gag, Alive, and Being Alone: hou 300kcal 41,200 kcal TOmin +1200kcal RGER KIN 9GAG.COM Forever Alone with 9GAG.COM skeletonmug: duckbunny: kate-wisehart: drtanner-sfw: rikakuuma: vulnerate: the-exercist: dreamofunconsciousness: the-exercist: my-way-to-get-skinny: Still hungry? Absolutely! The average active adult needs 2,000 calories per day in order to function in a safe and healthy manner. If I’m active to the point where I consistently run 1+ hour every day, then it is far more likely that my caloric needs are around 2,400-2,500. Considering that, a meal of 1,200 calories would perfectly suit my needs. It would supply roughly half of my calorie requirements, which is a God-send since a fast food meal is relatively cheap. It’s a great value, especially if I don’t have much time to cook or have the resources to prepare my own meals! The average burger is going to supply me with significant protein and carbs. That’s exactly what I’d need in order to build more muscle and have enough energy to make it through a workout. Even the sugar within the meal can be beneficial in supplying me with a boost of energy and can stop me from feeling hungry for a prolonged period of time. Not half bad. Is this the most healthy meal known to man? Of course not. But it’s still a very reasonable deal and the calorie count is well within the average adult’s daily needs.  Don’t let calories scare you! You need them. If you were capable of burning off an entire meal within the hour, you’d probably be dead by now. 1200 empty calories in a meal next to no nutrition. all the calories are sugar and fat. that’s it. you’ll have no energy and have glucose spikes in your blood because the lack of fiber because of the lack of complex carbs. this is diabetes in a meal.  so no, you should not be hungry for diabetes Nutritionally, this BK meal contains roughly 28g of protein and 3g of dietary fiber. It potentially also includes 35% of our Vitamin C daily requirements, 2% Vitamin A, 12% calcium, and 27% iron. Of the 1,010 calories (that I could verify directly from the company’s nutritional information guide), only 410 are from fat. That isn’t a terribly significant amount of fat, in the long run, nor are the nutrients small enough to be viewed as negligible. Eating this will not cause you to get diabetes. Eating this meal is perfectly fine if you do have diabetes, as long as you are able to adjust your insulin intake accordingly. So don’t use an illness as your debate point - Diabetic people are not a prop. “So don’t use an illness as your debate point - Diabetic people are not a prop.” I want that and variations of that on t shirts. damn, man. Someone just got completely schooled by a nutritionist. THIS A GOOD POST I’ve reblogged this again but I feel like it needs to be SAID again. Also someone needs to please come drive me to burger king and buy me a burger. Pretty please? I am diabetic, and the only thing that would give me pause is the drink. If that’s a diet soda, then it’s all fine. I mean sure, white bread isn’t the best possible thing, but it is the kind I mostly eat, and fried potatoes are basically OK because they’re starch, not simple sugar. Fries and a burger are better for me and more predictable than fruit. Fruit is a wild gamble. This meal - assuming diet soda - is one I can dose for. (I am diabetic because autoimmune conditions run in my family, and my pancreas has been randomly targeted for death by my immune system. Diet didn’t cause it and couldn’t have prevented it. Do not tell me I’m sick because I eat wrong. I’m alive because I eat.) We also need to ditch the idea that there is any such thing as food that is just “empty calories”. Presumably what people mean by that is that the only nutritional value something gives you is it’s calorific content.  The only foods that do that are things that are literally pure sugar. If you are eating pure sugar then yes you are only getting calories in the form of short chain carbohydrates/sugars that are broken down into glucose quickly. But for some people and in some instances that’s not a bad thing.  “empty calories” aren’t morally or even nutritionally bad. Sometimes that’s what our body needs -  a quick injection of glucose and calories for energy. Honestly I would rather glug a glucose drink like lucozade than a high caffeine “energy drink” when I am tired and need a boost any day of the week. But when people apply the “empty calories” thing to actual foods that aren’t pure sugar it is just inaccurate and frustrating. I mean, let’s take a step up from pure sugar and mix it with a fat in order to make buttercream frosting. If you at a spoon full of that it wouldn’t be “empty calories”. Sure it is a high sugar content so you are getting a high number of calories per spoonful and they are short chain carbohydrates so it’s not lasting energy but it’s still vital energy. But you are also ingesting fat. Fat isn’t bad for you, we need fats in our diet. It’s not a “empty calorie” it’s a vital part of how our body works. OK let’s look at something more sensible, a burger bun. Just he bun mind you, not even a complete meal like a full on burger. Even white bread contains a lot of nutrients which are useful to your body. You are going to be getting a mixture of carbohydrates both short and long so your body will have ongoing energy. Even white flour contains some proteins and trace minerals such as iron. There’s small amounts of fat, and salt in there too. Certainly not an “empty calorie” - quite a lo of useful stuff for your body. But please for the love of fluffy kittens stop thinking that “calories” are discrete magical food particles which are in some way separate from the things which actually make up our food. Food is pretty complex and our bodies even more so. We need calories, we also make use of a lot of different things that are found in all sorts of food.  Remember that a calorie is a unit of measurement to show how much energy something produces. Calorie content is calculated literally by burning food. A calorie isn’t a nutrient in the same way as carbohydrates, proteins, amino acids, fats and minerals are. A food item isn’t made up of calories. It is made up of molecules of carbs, fats proteins and so on. It is the burning of those that gives us calorie content. If something has calories then it HAS to have other nutritional content in order to physically exist even if that content is just short chain carbohydrates.  Unless somebody is only eating pure sugar they aren’t eating “empty calories”. 

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