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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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Amazon, Bad, and Be Like: krista (030) y@cherryblushed i used to read 3-4 full sized novels in middle school. now i see anything longer than a paragraph and bounce. i'll miss u brain cells, can't believe u peaked at age 12 15/9/18, 1:04 pm 68 Retweets 238 Likes takingbackmyfirstamendmentrights: dewdrop156: memecage: It do be like that. I was having a surprisingly good conversation with my sister recently and I was talking about how one of the reasons I don’t read as much as I used to is because I don’t have the same resources I did when I was a 4th grader. When I was a kid, I could sit and read all I wanted, all I had to to was exist and go where people took me. I didn’t have to feed myself or pay bills or keep track of things, which of course now I have to deal with all of those things so I can’t read as much and tend to read pretty easy to read books. My sister brought up the really good point that, of course I want to read easy books, I’m a young adult, in a very tumultuous phase of life, constantly being thrown new information, my brain doesnt want a classical novel, my brain wants something readable and immersive. tl;dr don’t feel bad for not reading as much as you used to, it’s okay. Read what you can when you can and don’t stress about the rest But nowadays, there are so many more resources for reading that you can gain access to. Even though you’re busy and stressed out my life, that doesn’t mean you shouldn’t continue to strive to read whenever possible. I’ve compiled this basic list of super accessible ways to read in the modern age.1. LibbyLibby is a library app, and it free to use. If you have a library card (which you can either pick up at a branch or online, depending on where you live), you put in your information, and you have access to your library’s ebooks and audiobooks. Generally, you can check ebooks out for two to three weeks, and it gives you the option to renew (if someone isn’t waiting in line for that book) or return early. It’s super user- friendly. If you want to scam the system a little bit, a lot of libraries give you 30 to 60 days after making a card online to come in and actually get a physical card and show your ID. If you are looking for a specific book that your library may not have, make library cards at other locations with fake addresses and check out their supply. I personally have about eight library cards, so I always can find what I’m looking for unless it’s super rare. 2. KindleWhile you can buy the actual Amazon e-reader, you can also just use the free app. There are a bunch of ebooks you can read for free, or for a low price. If you have Kindle Unlimited ($10/month), you can borrow up to ten KU books at a time for as long as you want. A lot of authors have KU books, so it’s a good way to go. 3. NookBarnes and Noble’s Nook is similar to the Kindle—comes in a physical e-reader, but is also usable as a free app. I will say I find that their selection generally costs more than Amazon’s selection, but it’s an option if you prefer to stay away from Amazon products. One thing they do sometime around the end of the year is send you out a refund check for all the books that you purchased through them that were at a higher market price then they would’ve been elsewhere. I’ve gotten like three of these, so I figure it’s a regular thing. 4. AudibleFor people who are sight-impaired or have difficulty sitting down and reading a book, audiobooks are SO the way to go. When you sign up, you can receive up to two free audiobooks, and whatever plan you decide to go with gives you two free audiobooks a month (from a specific selection) in addition to your credits! If you have Kindle ebooks, there is sometimes an option to purchase the accompanying Audible audiobook for a super discounted rate. If you don’t like an audiobook, you can call in to return it at any time. I have something like forty or fifty audiobooks from them, and I’ve exchanged another twenty. These options are all in addition to physical books from your local library, and discount bookstores. The nice thing about ebooks is that generally they have the option to highlight and bookmark pages, change the font size and type, and even change the color of the page if you prefer.I always thought audiobooks were for old people until a few years ago when I was commuting about three hours a day for work. I wasn’t reading nearly as much, and as an avid reader, that distressed me greatly.Finally, I looked into audiobooks and it was a huge life changer. Instead of wasting three hours a day in traffic, I was reading for three hours a day that I would’ve otherwise not been able to. Not only does it make a trip go faster, but it makes it much more enjoyable.And even if you don’t want it for the commute or for the gym, audiobooks are a really good option for people who have vision problems. I have migraines when I stare at screens too much, so I pop on an audiobook and just crochet or do the dishes. I have a friend who has very bad eyesight, and he has not been able to read in something close to a year. I set him up with a library card and a Libby account, and all of a sudden, he was able to catch up on all the books he had been wanting to read!I’m just saying, I promote reading because no matter what you read, you’re learning something. Even though life is stressful and crazy and distracting, there are still ways you can find to sit down and curl up with a good book. “My brother has his sword, I have my books. And a mind needs books like a sword needs a whetstone.” -Tyrion Lannister

takingbackmyfirstamendmentrights: dewdrop156: memecage: It do be like that. I was having a surprisingly good conversation with my sister r...

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Bad, Batman, and Bitch: lastsonlost: siryouarebeingmocked: jlongbone: Batwoman: First Look | TRAILER REACTION @hello-kitty-senpai @formallyknownasjoesmother @nunyabizni @the-mighty-birdy @libertarirynn @robert-the-redhead-lover @omega-bellum @odinoco @thesocialjusticecourier @siryouarebeingmocked @cisnowflake @lastsonlost Turn down the volume or put on headphones, folks. Thaaat said, I bet her main character arc is going to be about being an edgy lesbian rebel. Kind of like Arrow, except Ollie’s always had to subvert the System, not flout it entirely. Like someone on Youtube said, the line should’ve been “when it fits me”. The Alfred-like character is Lucius Fox’s son, Luke. And in the comics, he’s Batwing II. In fact, he actively wanted to get recruited by Batman. If this version is anything like that, it would explain the Taser. “No guns, no killing!” But that version had MMA experience, and homeboy here certainly does not. Five bucks says Kate disarms him. Oh, and of course they think she’s Batman, because she stole his costume and doesn’t have the red wig yet! Duh! That’s not sexism, that’s branding! Incidentally, she started with short hair in the comics. The red wig is a decoy, so bad guys pull it, it comes off, and then she turns around and ruins their whole career. So it’s not actually the CW’s fault. Honestly, I gave up hope for any subtlety in this series when Kate conspicuously flirted with Kara less than five screentime minutes after she first appeared. “Did I mention I am a lesbian?” WHAT THE FUCK did they Luke Fox? The man is a brick shithouse made of Genius not a frightened little bitch with a stun gun. Wow that was… Something. I never dreamed it would be that bad. I would literally rather watch Captain Marvel.
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Apparently, Bad, and Click: Strongly Slightly Not sure/in Slightly Strongly Disagree Disagree between Agree Agree 1. I feel discouraged about the way things are going. goodluckdetective: theseriouscynic: vanillayote: clinicallydepressedpug: jinxasaurus: draggle: slashmarks: rosalinarosee: angst420: tantefledermaus: fromonesurvivortoanother: telegantmess: angryflyingstar: angst420: job applications just keep getting weirder….. pro jobseeking tip: never answer these surveys honestly also a tip: if they have a question like “Everybody steals from work sometimes” answer “disagree.” I found this out when i was working as a hiring manager and the company i worked for started instituting these tests for managerial hires or promotions. My boss and I were promoting someone and she failed the test because she answered that question as “slightly agree” which in the results tells them that she is someone likely to steal because she believes everyone does it. When we asked her about her answer, it turns out she picked what she did because she’s cynical and does assume that people steal but didnt agree with them doing so. she almost sued the company for not promoting her based on that but chose to leave instead. We lost a good employee because corporate decided these tests were a good way to screen for “good” employees.tldr these things are poorly designed, ambiguously worded, and structured in ways that are designed to eliminate people because the intention of the questions is never made clear. these tests are evil. this sounds like an ableist disaster for people who aren’t neurotypical and who struggle with reading signals   When I went to get diagnosed with ADHD, the neuropsychologist couldn’t figure out what was going on, because on paper I’m apparently floridly psychotic.  No, the questions are imprecise, and I am hyper-literal and extremely honest.   “Do you often see things that other people do not see?”  Yes.       The question I was answering:  “Are you especially observant?”      The question the test was actually asking:  “Are you having visual hallucinations?”  “Does your environment ever have special messages for you?”  Yes.        The question I was answering:  “Does the sudden sight of a rainbow during a    bout of doubt and self-loathing make you feel as though the world is trying to cheer you up?”       The question the test was actually asking:  “Do you believe that your toaster is trying to convince you that the neighbors are spying on you?” Five years later, I bombed a psych eval for a park ranger job for the same sort of thing.  Tread carefully, darlings.   ^^^^ that is actually such a huge issue with diagnosis!!!! and I’ve thought I didn’t experience symptoms for ages that I actually clearly had all along because of things being phrased super weirdly and confusingly :( And this is why McDonald’s never called me after I applied Yeah, this is why this kind of thing in job apps needs to be illegal. A lot of discrimination is well hidden. Oh! That explains why even having friends and my then-husband proofread these every time didn’t even work. They may not be as weird as me, but they’re not neurotypical. We all read the questions tantefledermaus mentioned as observational skills! Fuck. This explains why I’ve failed all of these fucking things. My sister said to answer these as if you were a really passive person who relied on management/authority to tell you exactly what to do/think. Protip: my Dad is a hiring manager at Home Depot and he told me the system they use (with the stupidass pointless 500 question quiz) is designed so it filters out people with neutral answers. Several months ago I applied for numerous jobs, each of which required their own dumbass tests. To save time (and my sanity) i would click the “sometimes” or middle option for nearly every question unless it was serious. Nobody every called me back. Hell only 1 of the 8 places i applied to even messaged me back saying “thank you but we have gone with someone else”. Your applications wont even get seen unless you “pass” the quiz. So when all yall do fill out these dumb things be sure to pick strong yes or no answers. Never “maybe” or “slighty agree/disagree” Thank you for that, cause I do that a lot. Like I legit feel neutral on some of those questions. Tumblr with the life hacks It’s really bad for someone who isn’t neurotypical because often, these questions do contain language meant to filter us out. For me, I tend to notice the ones meant to filter out people with ADD, like myself. For example “do you have trouble focusing on one task” or “do you like to move around.” My normal answers to these would be “yes, but I have it under control” and “of course, no one can sit still for hours”. But corporations read them as “do not hire” It’s a bunch of BS. So I answer them like a yes man from office space. Works pretty well.
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Apparently, Bad, and Click: Strongly Slightly Not sure/in Slightly Strongly Disagree Disagree between Agree Agree 1. I feel discouraged about the way things are going. goodluckdetective: theseriouscynic: vanillayote: clinicallydepressedpug: jinxasaurus: draggle: slashmarks: rosalinarosee: angst420: tantefledermaus: fromonesurvivortoanother: telegantmess: angryflyingstar: angst420: job applications just keep getting weirder….. pro jobseeking tip: never answer these surveys honestly also a tip: if they have a question like “Everybody steals from work sometimes” answer “disagree.” I found this out when i was working as a hiring manager and the company i worked for started instituting these tests for managerial hires or promotions. My boss and I were promoting someone and she failed the test because she answered that question as “slightly agree” which in the results tells them that she is someone likely to steal because she believes everyone does it. When we asked her about her answer, it turns out she picked what she did because she’s cynical and does assume that people steal but didnt agree with them doing so. she almost sued the company for not promoting her based on that but chose to leave instead. We lost a good employee because corporate decided these tests were a good way to screen for “good” employees.tldr these things are poorly designed, ambiguously worded, and structured in ways that are designed to eliminate people because the intention of the questions is never made clear. these tests are evil. this sounds like an ableist disaster for people who aren’t neurotypical and who struggle with reading signals   When I went to get diagnosed with ADHD, the neuropsychologist couldn’t figure out what was going on, because on paper I’m apparently floridly psychotic.  No, the questions are imprecise, and I am hyper-literal and extremely honest.   “Do you often see things that other people do not see?”  Yes.       The question I was answering:  “Are you especially observant?”      The question the test was actually asking:  “Are you having visual hallucinations?”  “Does your environment ever have special messages for you?”  Yes.        The question I was answering:  “Does the sudden sight of a rainbow during a    bout of doubt and self-loathing make you feel as though the world is trying to cheer you up?”       The question the test was actually asking:  “Do you believe that your toaster is trying to convince you that the neighbors are spying on you?” Five years later, I bombed a psych eval for a park ranger job for the same sort of thing.  Tread carefully, darlings.   ^^^^ that is actually such a huge issue with diagnosis!!!! and I’ve thought I didn’t experience symptoms for ages that I actually clearly had all along because of things being phrased super weirdly and confusingly :( And this is why McDonald’s never called me after I applied Yeah, this is why this kind of thing in job apps needs to be illegal. A lot of discrimination is well hidden. Oh! That explains why even having friends and my then-husband proofread these every time didn’t even work. They may not be as weird as me, but they’re not neurotypical. We all read the questions tantefledermaus mentioned as observational skills! Fuck. This explains why I’ve failed all of these fucking things. My sister said to answer these as if you were a really passive person who relied on management/authority to tell you exactly what to do/think. Protip: my Dad is a hiring manager at Home Depot and he told me the system they use (with the stupidass pointless 500 question quiz) is designed so it filters out people with neutral answers. Several months ago I applied for numerous jobs, each of which required their own dumbass tests. To save time (and my sanity) i would click the “sometimes” or middle option for nearly every question unless it was serious. Nobody every called me back. Hell only 1 of the 8 places i applied to even messaged me back saying “thank you but we have gone with someone else”. Your applications wont even get seen unless you “pass” the quiz. So when all yall do fill out these dumb things be sure to pick strong yes or no answers. Never “maybe” or “slighty agree/disagree” Thank you for that, cause I do that a lot. Like I legit feel neutral on some of those questions. Tumblr with the life hacks It’s really bad for someone who isn’t neurotypical because often, these questions do contain language meant to filter us out. For me, I tend to notice the ones meant to filter out people with ADD, like myself. For example “do you have trouble focusing on one task” or “do you like to move around.” My normal answers to these would be “yes, but I have it under control” and “of course, no one can sit still for hours”. But corporations read them as “do not hire” It’s a bunch of BS. So I answer them like a yes man from office space. Works pretty well.
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Crazy, Pop, and Tumblr: LEARN RUSSIAN TO READ IN 15 MINUTES By PETER STARR NORTHROA AND RAN ESTRADA 、 ★ ESTE ANALE ABRI COMES FROM THIS CRAZY WRITING BUNCH OF ALPHABETS WHICH STOLE THEIR WRITING STYLES FROM THE GREEKS. THAT MAKES IT A KINDA WACKY AND DISJOINTED COUSIN TO OUR LATIN ALPHABET SO RUSSIAN LOOKS ALMOST KINDA LIKE IT COULD BE READ BY AN ENGLISH SPEAKER BUT THEN ALL THESE STRANGE NEW LETTERS POP IN, SO IT'S THIS ALIEN SYSTEM THAT LOOKS LIKE IT COULD BE FAMILIAR, WHICH IN THE END JUST MAKES IT SEEM ALL THE MORE ALIEN. SOME CONSONANTS LOOK THE SAME BUT MEAN TOTALLY DIFFERENT THINGS. AND THEN RUSSIAN ADDS IN LIKE, FIVE EXTRA VOWELS AND 3 CONSONANTS OR SOMETHING CRAZY BECAUSE OF THIS, YOU CAN'T JUST PICK UP A RUSSIAN BOOK AND START TO READ. HOWEVER, ALL YOU GOTTA DO IS LEVEL UP THROUGH THE DIFFERENT LAYERS OF RUSSIAN AND YOU CAN MAKE IT MAD EASY FOR YOURSELF THERE'S NO WEIRD SOUNDS THAT COMBINE LIKE IN ENGLISH, AND ONLY A FEW LETTERS CHANGE SOUNDS FROM TIME TO TIME. ALL THE LETTERS (EXCEPT ONE) ARE THE SAME UPPER CASE AND LOWER CASE SO YOU ONLY NEED TO LEARN EACH LETTER ONCE. ONCE YOU TEACH YOURSELF THE BASIC RULES, YOU'LL FIND THAT T MIGHT EVEN BE EASIER THAN ENGLISH STUFF THAT'S TOTALLH THE SAME SOME RUSSIAN LETTERS ARE EXACTLY THE SAME AS ENGLISH LETTERS AND THAT MAKES A GREAT STARTING POINT FOR YOU TOMKAT F THE LETTER YOU'RE LOOKING AT CAN BE FOUND IN THIS OBSOLETE CELEBRITY COUPLE PORTMANTEAU YOU'RE IN LUCK! THEYRE THE SAME AS USUAL HEADS UP THOUGH! UNLIKE IN ENGLISH, RUSSIAN VOWELS MAKE ONE SOUND CONSISTENTLY. SO THE O MAKES A LONG O SOUND, AS IN 'NO' OR 'GO' AND THE 'A' MAKES THE SOUND YOU HEAR IN 'FATHER OR 'HAHA SO THE WORD ABOVE HAS A RUSSIAN ACCENT AND SOUNDS KINDA LIKE TOME COT THEIR SOUNDS, BUT O AND A CAN GO ROGUE DEPENDING ON F THEYRE STRESSED SYLLABLES OR NOT O CAN BE "AH" LIKE FATHER) AND A CAN BE "EH (LIKE PENCIL) SO TOME COT CAN ALSO BE TAHM-KEHT FOR NOW THOUGH, JUST PRACTICE WITH TOME-COT THAT'LL HELP THE MOST LEVEL 2VOWELS IF YOU SEE SOMETHING THAT LOOKS LIKE AN ALTERED VERSION OF A VOWEL YOU RECOGNIZE, OR A BACKWARDS CONSONANT, IT'S A VOWEL YOU CAN BREAK THEM DOWN INTO TWO SIMPLE GROUPS AND SET 2, WHICH ARE JUST THE SOFT VOWELS PLUS A Y SOFT VOWELS: HARD VWELS FATHER BED YO YOU BLL THAT GUY ON THE END THERE IS THE EXCEPTION TO THE RULE INSTEAD OF MAKING A YEE SOUND, IT SOUNDS LIKE THE I IN BILL I COULD KILL BILL FOR MESSING UP THE SYSTEM. WHAT KIND OF LETTER IS MADE OF TWO LETTERS, ANYWAY? THAT JERK. EVE ALTER HOURE VOWELS THERE ARE SIX MORE VOWEL SOUNDS, AND YOU ONLY NEED TO KNOW ONE MORE LETTER TO BE ABLE TO READ THEM ADDING AFTER A VOWEL IS A LOT LIKE ADDING A Y IN ENGLISH- IT JUST MAKES THE SOUND LONGER. TO PRACTICE, LET'S ADD TO THE CONSONANTS AND VOWELS YOU ALREADY KNOW TATA TAVI TIE TO TO TOM TWEE KEY (BUT STRONGER) lolzandtrollz: Learn To Read Russian

lolzandtrollz: Learn To Read Russian

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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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