no idea
 no idea

no idea

pile on
 pile on

pile on

don t want to
 don t want to

don t want to

specialization
specialization

specialization

ifs
ifs

ifs

jacked
jacked

jacked

yours
yours

yours

personable
personable

personable

ever
ever

ever

granny
granny

granny

🔥 | Latest

Comfortable, Fresh, and Life: How to be a Teacher in 2019 Make sure the academic, emotional, social, psychological, mental, physical, and nutritional needs of every single student you come into contact with is met...daily. Form deep, personal, caring, loving, but irreproachably professional relationships with each of those students. Do not be their friend. Make sure they know they can come to you at any time for any reason. Hold them to the highest standards of excellence but do not put any undue pressure or expectations on them that might damage their self-esteem or world view. Always give them a pencil, even if you've given them one every day for three marking periods. Put aside standards and tests when national or world issues of importance arise in order to facilitate meaningful, woke conversations that will help strengthen their social emotional learning and empathy. Never talk to them about politics or controversial issues because that could be viewed as trying to force your views on them. Maintain a classroom that is engaging, fun, comfortable, and visually appealing because students won't learn in an environment that they do not enjoy Do not crowd your room with too many overstimulating, colorful, interesting items that distract students from the learning process. Instill a sense of growing independence and self-responsibility in every student while communicating about everything they do in school to their parents daily via email, text, phone calls, newsletters, and blog posts. Focus on real life learning that people really use like bill paying, financial investment, conflict mediation, small appliance repair, etc Make sure all students are proficient on state assessment tests that cover none of those issues. Be prepared at all times to tackle an intruder with a gun or step into the path ofabullet for every student in your building. Be aware that your job is easy because you get summers off. Make sure you come into your classroom several times over the summer to prepare, make copies, and get things ready for next year Be a superhero But don't be too braggy about it. @fun_fresh_ideas How to be a Teacher in 2019 - Fun, Fresh Ideas
Comfortable, Fresh, and Life: How to be a Teacher in 2019
 Make sure the academic, emotional, social, psychological,
 mental, physical, and nutritional needs of every single student
 you come into contact with is met...daily. Form deep, personal,
 caring, loving, but irreproachably professional relationships
 with each of those students. Do not be their friend. Make sure
 they know they can come to you at any time for any reason.
 Hold them to the highest standards of excellence but do not put
 any undue pressure or expectations on them that might damage
 their self-esteem or world view. Always give them a pencil,
 even if you've given them one every day for three marking
 periods. Put aside standards and tests when national or world
 issues of importance arise in order to facilitate meaningful,
 woke conversations that will help strengthen their social
 emotional learning and empathy. Never talk to them about
 politics or controversial issues because that could be viewed as
 trying to force your views on them. Maintain a classroom that is
 engaging, fun, comfortable, and visually appealing because
 students won't learn in an environment that they do not enjoy
 Do not crowd your room with too many overstimulating,
 colorful, interesting items that distract students from the
 learning process. Instill a sense of growing independence and
 self-responsibility in every student while communicating about
 everything they do in school to their parents daily via email,
 text, phone calls, newsletters, and blog posts. Focus on real life
 learning that people really use like bill paying, financial
 investment, conflict mediation, small appliance repair, etc
 Make sure all students are proficient on state assessment tests
 that cover none of those issues. Be prepared at all times to
 tackle an intruder with a gun or step into the path ofabullet for
 every student in your building. Be aware that your job is easy
 because you get summers off. Make sure you come into your
 classroom several times over the summer to prepare, make
 copies, and get things ready for next year
 Be a superhero
 But don't be too braggy about it.
 @fun_fresh_ideas
How to be a Teacher in 2019 - Fun, Fresh Ideas

How to be a Teacher in 2019 - Fun, Fresh Ideas

America, Bad, and Children: There is no such thing as an American dream n Europe we try to be civil and have empathy queeranarchism: queerautism: queeranarchism: love-geofffree: designatedheckingadult: queeranarchism: LOL NOPE Europe is racist as fuck. Europe has armed gaurds and high fences on its borders. Europe makes it illegal to rescue refugees at sea. Europe locks up refugee children. Europe has killer cops that shoot teenagers of color. Europe is full of fascist politicians nostalgically fantasizing about ethnic cleansing. Not a day goes by without attacks on Muslims. Fuck Europe. Can confirm. The problem with England (I can’t talk for the rest of Europe) is that our racism and our xenophobia and all our bigoted views manifest in a different way then America, and we use this to claim that it doesn’t exist, even when our country is built on it. We are taught that the British empire was a good thing, and pretty much no one here knows anything about colionisation and our role in most current world problems. But the amount of times that I’ve tried to talk about any issue within England and been shut down with the claim “well we’re not as bad as America”. That’s why the trump protests were so important. We are constantly looking to America to justify our own bigotry. We’ll call America out on their unjust wars, and ignore the fact our own army and government was supporting them. Listen, I like my country- I like that we have a rich history (not that I support it, but heck, everyone likes learning about the Roman Empire, doesn’t mean they think it’s a good thing), I like that we have countrysides and big diverse towns like London, I like that we love fish and chips and curry sauce, I love our old pubs and traditional pub food, I like that we have the NHS (though I dislike how it’s run), I like our sense of dry gallows humour, I like our film and tv industry, I love our history of theatre, I love our myths and legends. But god damn are we historically an awful country, and have we ever tried to make reparations? Our actions are still affecting other countries and ruining life. I don’t like the empire, I don’t like what the monarchy stands for, I don’t like our politicians that spew bigotry and hate, I don’t like our press which are like vultures, I don’t like the power the BBC has to cover-up actual sexual abuse and rape, I hate Katie Hopkins and that she has any platform to spew her hate, I hate Brexit and that it was founded on hate, I hate how we think our lives are more valuable than that of refuges or immigrants, I hate that we don’t think that we are directly or indirectly responsible for a lot of the refugees and asylum seekers that exist today, I hate that we have a system that is actively leading to the deaths of disabled people and that even when investigated by the UN and told to change because we were violating human rights we refused, I hate how we support America’s bigotry and then use their country as a shield when accused of our own bigotry. I hate that we, as a country, are incapable of accepting responsibility and making amends for our terrible actions. Incredibly well put. One of the tricky things is that every European country has their own fictional self image which it keeps repeating to convince itself it’s not a bigoted shithole. In the UK it’s very much focused on being better than the US, being civilized and polite and stylish, while.. ya know… having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing. In the Netherlands it’s focused on being ‘tolerant’ and gay-friendly and having semi-legal weed, while.. ya know… having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing.  In Germany it’s focused on having ‘learned from the second world war’ and being ‘better now, while . . ya know… having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing. And so on.. every European country considers itself either an underdog or a pioneer or a peak of civilization or small and quirky and of course they all consider themselves so much better than the US while doing all the same racist and bigoted shit everyone else is doing.  https://metro.co.uk/2016/10/27/man-severely-beaten-after-being-told-to-speak-f-english-speaks-out-6218523/ I still remember exactly how it felt to read about this man being brutally asssulted, HIT ON THE FACE WITH A PLANK OF WOOD, in London, a city I lived next to and visited all the time, simple because he was speaking my native language in public. I remember breaking down sobbing because of how many people in this country I love hate me so fucking much for being born somewhere else. IIRC, there was another similar incident on the underground this past April. So tell me more about the supposed lack of xenophobia and racism in Europe These sort of things are sometimes best articulated by people who did not grow up here and suddenly experience it all at once. Pretty much every exchange student of color that I’ve spoken to in the Netherlands has recounted an experience to me that went pretty much like this: Day 1: “Yay! The Netherlands! Country of tolerance and gay rights!” Day 2: “Huh, that person was really friendly to me and did like 15 micro-aggression, that was weird” Day 4: “Waaaaaiiitt… why does this happen constantly? Are people messing with me?  Am I imagining this? Do I just misunderstand their culture? The Netherlands can’t be this racist.” Day 10: “Oh my god, I’m not imagining it, people actually are this racist and they think they’re not! WTF” Day 12: “Holy crap, if I try to point out a micro-aggression people go from super friendly to hyper aggressive screaming in my face in about 5 seconds. And people I thought I could trust jump to their defense. What is this hellscape?” Day 13: “Everything I thought I knew about the Netherlands is wrong. This place is so racist.” Day 14: “Holy crap, is that a primary school teacher in black face?” A Muslim girl was drowned in a river by school bullies and found with bite marks and the police are trying to write it off as her forgetting she couldn’t swim and jumping in the river to cool down? A local fisherman saw it all but was written off as being drunk even though he wasn’t. The school of the girl and the bullies is trying to change it’s name so it will no longer be associated with the incident.The school was Broad Oak Sports College. The river was River Irwell in Bury, Greater Manchester. The girl was Shukri Abdi and she was 12 years old and her and her family recently moved from Somalia. She was the eldest of 5 and her mum is completely distraught, and her uncle has been trying to point out that it wasn’t just a “tragic accident”.Racism still exists in the most horrific forms in the UK.
America, Bad, and Children: There is no such thing as an American
 dream n Europe we try to be civil
 and have empathy
queeranarchism:

queerautism:

queeranarchism:


love-geofffree:

designatedheckingadult:


queeranarchism:

LOL NOPE
Europe is racist as fuck. Europe has armed gaurds and high fences on its borders. Europe makes it illegal to rescue refugees at sea. Europe locks up refugee children. Europe has killer cops that shoot teenagers of color. Europe is full of fascist politicians nostalgically fantasizing about ethnic cleansing. Not a day goes by without attacks on Muslims. 
Fuck Europe.

Can confirm.


The problem with England (I can’t talk for the rest of Europe) is that our racism and our xenophobia and all our bigoted views manifest in a different way then America, and we use this to claim that it doesn’t exist, even when our country is built on it.
We are taught that the British empire was a good thing, and pretty much no one here knows anything about colionisation and our role in most current world problems.
But the amount of times that I’ve tried to talk about any issue within England and been shut down with the claim “well we’re not as bad as America”. 
That’s why the trump protests were so important. We are constantly looking to America to justify our own bigotry. We’ll call America out on their unjust wars, and ignore the fact our own army and government was supporting them.
Listen, I like my country- I like that we have a rich history (not that I support it, but heck, everyone likes learning about the Roman Empire, doesn’t mean they think it’s a good thing), I like that we have countrysides and big diverse towns like London, I like that we love fish and chips and curry sauce, I love our old pubs and traditional pub food, I like that we have the NHS (though I dislike how it’s run), I like our sense of dry gallows humour, I like our film and tv industry, I love our history of theatre, I love our myths and legends.
But god damn are we historically an awful country, and have we ever tried to make reparations? Our actions are still affecting other countries and ruining life. I don’t like the empire, I don’t like what the monarchy stands for, I don’t like our politicians that spew bigotry and hate, I don’t like our press which are like vultures, I don’t like the power the BBC has to cover-up actual sexual abuse and rape, I hate Katie Hopkins and that she has any platform to spew her hate, I hate Brexit and that it was founded on hate, I hate how we think our lives are more valuable than that of refuges or immigrants, I hate that we don’t think that we are directly or indirectly responsible for a lot of the refugees and asylum seekers that exist today, I hate that we have a system that is actively leading to the deaths of disabled people and that even when investigated by the UN and told to change because we were violating human rights we refused, I hate how we support America’s bigotry and then use their country as a shield when accused of our own bigotry. 
I hate that we, as a country, are incapable of accepting responsibility and making amends for our terrible actions. 

Incredibly well put. 
One of the tricky things is that every European country has their own fictional self image which it keeps repeating to convince itself it’s not a bigoted shithole.
In the UK it’s very much focused on being better than the US, being civilized and polite and stylish, while.. ya know… having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing. 
In the Netherlands it’s focused on being ‘tolerant’ and gay-friendly and having semi-legal weed, while.. ya know… 
having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing. 
In Germany it’s focused on having ‘learned from the second world war’ and being ‘better now, while .
. ya know… 



having a lot of blood on its hands and doing all the same racist and bigoted shit everyone else is doing. 
And so on.. every European country considers itself either an underdog or a pioneer or a peak of civilization or small and quirky and of course they all consider themselves so much better than the US while 
doing all the same racist and bigoted shit everyone else is doing. 


https://metro.co.uk/2016/10/27/man-severely-beaten-after-being-told-to-speak-f-english-speaks-out-6218523/
I still remember exactly how it felt to read about this man being brutally asssulted, HIT ON THE FACE WITH A PLANK OF WOOD, in London, a city I lived next to and visited all the time, simple because he was speaking my native language in public. 
I remember breaking down sobbing because of how many people in this country I love hate me so fucking much for being born somewhere else. 
IIRC, there was another similar incident on the underground this past April. 
So tell me more about the supposed lack of xenophobia and racism in Europe


These sort of things are sometimes best articulated by people who did not grow up here and suddenly experience it all at once. Pretty much every exchange student of color that I’ve spoken to in the Netherlands has recounted an experience to me

that went pretty much like this:
Day 1: “Yay! The Netherlands! Country of tolerance and gay rights!”
Day 2: “Huh, that person was really friendly to me and did like 15 micro-aggression, that was weird”
Day 4: “Waaaaaiiitt… why does this happen constantly? Are people messing with me?  Am I imagining this? Do I just misunderstand their culture? The Netherlands can’t be this racist.”
Day 10: “Oh my god, I’m not imagining it, people actually are this racist and they think they’re not! WTF”
Day 12: “Holy crap, if I try to point out a micro-aggression people go from super friendly to hyper aggressive screaming in my face in about 5 seconds. And people I thought I could trust jump to their defense. What is this hellscape?”
Day 13: “Everything I thought I knew about the Netherlands is wrong. This place is so racist.”
Day 14: “Holy crap, is that a primary school teacher in black face?” 

A Muslim girl was drowned in a river by school bullies and found with bite marks and the police are trying to write it off as her forgetting she couldn’t swim and jumping in the river to cool down? A local fisherman saw it all but was written off as being drunk even though he wasn’t. The school of the girl and the bullies is trying to change it’s name so it will no longer be associated with the incident.The school was Broad Oak Sports College. The river was River Irwell in Bury, Greater Manchester. The girl was Shukri Abdi and she was 12 years old and her and her family recently moved from Somalia. She was the eldest of 5 and her mum is completely distraught, and her uncle has been trying to point out that it wasn’t just a “tragic accident”.Racism still exists in the most horrific forms in the UK.

queeranarchism: queerautism: queeranarchism: love-geofffree: designatedheckingadult: queeranarchism: LOL NOPE Europe is racist as fu...

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.
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.

thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitali...

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
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

thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitali...