finance


                    
                    
                

                

                

            

        
    







            

            
            

                

                    
                

                

                    

                        


	

	
    

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    finance: Her bio said she’s a finance major and mine says I’ll roast you
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                finance: Her bio said she’s a finance major and mine says I’ll roast you
                
            

            
            
Her bio said she’s a finance major and mine says I’ll roast you

            
            
        

    



        

        
        

            







    finance: Finance is the new fiancé
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                finance: Finance is the new fiancé
                
            

            
            
Finance is the new fiancé

            
            
        

    



        

        
        

            







    finance: Due to quarantine I didn’t know when I would next see my gf,I had been planning to propose for a while but I decided to over FaceTime,I couldn’t be happier with my new finance:)
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                finance: Due to quarantine I didn’t know when I would next see my gf,I had been planning to propose for a while but I decided to over FaceTime,I couldn’t be happier with my new finance:)
                
            

            
            
Due to quarantine I didn’t know when I would next see my gf,I had been planning to propose for a while but I decided to over FaceTime,I c...

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    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.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                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:
Capit...

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    finance: Senator Eric Abetz has complained
 about the rainbow pride flag being
 flown in the foyer of a government
 department, saving it belongs to a
 "hostile nation" that has declared war
 on Australia.
 SENATE
 Senate Finance and Public Administration
 Legisiation Committee
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared war on Australia
Oh my god though guys you don’t know the best thing!  The best thing is: he’s right.
The Gay and Lesbian Kingdom of the Coral Sea Islands is a micronation near Australia.  This is their flag:
The Gay Kingdom (as it is colloquially known) was founded in 2004 in protest against Australia’s legal stance against same-sex marriage.
Here are some of their stamps:
They are currently ruled by Emperor Dale I, and their currency is the Pink Dollar.
And, indeed - they declared war on Australia for not recognizing same-sex marriages performed outside the country.  (Second link.)


You’re telling me there has been a Gay Island this ENTIRE TIME and I’m only just finding out about it????


WHAT

okay, but not enough people know the details on this. people at pride were upset about gay rights in australia. so they decided to sail 200 miles into the coral sea just ‘cause and put a rainbow flag on a fucking empty island out of spite. and i’m talking empty. no inhabitants. zero. it was a flat piece of land with a bit of dry grass. now it has a camp site and a post office. 
they have a declaration of independence that talks a bit about gay rights and then just flat out copies the “life liberty and the pursuit of happiness” part from the american declaration of independence. and here’s the best part: the founding group actually elected their emperor. he was originally going to be called the “administrator” of a republic. their website, however, says that “upon legal advice, his title was changed to that of Sovereign on the grounds that under Australian law a defacto prince trying to claim his crown cannot be charged with treason”. so they made it a kingdom and he now claims to be a descendent of edward ii.
everything about this is glorious and everyone should know about it. Keep reading

Not one of you mentioned that the anthem for this nation is I Am What I Am by Gloria Gaynor. Not. One. Of. You.

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                finance: Senator Eric Abetz has complained
 about the rainbow pride flag being
 flown in the foyer of a government
 department, saving it belongs to a
 "hostile nation" that has declared war
 on Australia.
 SENATE
 Senate Finance and Public Administration
 Legisiation Committee
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared war on Australia
Oh my god though guys you don’t know the best thing!  The best thing is: he’s right.
The Gay and Lesbian Kingdom of the Coral Sea Islands is a micronation near Australia.  This is their flag:
The Gay Kingdom (as it is colloquially known) was founded in 2004 in protest against Australia’s legal stance against same-sex marriage.
Here are some of their stamps:
They are currently ruled by Emperor Dale I, and their currency is the Pink Dollar.
And, indeed - they declared war on Australia for not recognizing same-sex marriages performed outside the country.  (Second link.)


You’re telling me there has been a Gay Island this ENTIRE TIME and I’m only just finding out about it????


WHAT

okay, but not enough people know the details on this. people at pride were upset about gay rights in australia. so they decided to sail 200 miles into the coral sea just ‘cause and put a rainbow flag on a fucking empty island out of spite. and i’m talking empty. no inhabitants. zero. it was a flat piece of land with a bit of dry grass. now it has a camp site and a post office. 
they have a declaration of independence that talks a bit about gay rights and then just flat out copies the “life liberty and the pursuit of happiness” part from the american declaration of independence. and here’s the best part: the founding group actually elected their emperor. he was originally going to be called the “administrator” of a republic. their website, however, says that “upon legal advice, his title was changed to that of Sovereign on the grounds that under Australian law a defacto prince trying to claim his crown cannot be charged with treason”. so they made it a kingdom and he now claims to be a descendent of edward ii.
everything about this is glorious and everyone should know about it. Keep reading

Not one of you mentioned that the anthem for this nation is I Am What I Am by Gloria Gaynor. Not. One. Of. You.

                
            

            
            
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared w...

            
            
        

    



        

        
        

            







    finance: Senator Eric Abetz has complained
 about the rainbow pride flag being
 flown in the foyer of a government
 department, saving it belongs to a
 "hostile nation" that has declared war
 on Australia.
 SENATE
 Senate Finance and Public Administration
 Legisiation Committee
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared war on Australia
Oh my god though guys you don’t know the best thing!  The best thing is: he’s right.
The Gay and Lesbian Kingdom of the Coral Sea Islands is a micronation near Australia.  This is their flag:
The Gay Kingdom (as it is colloquially known) was founded in 2004 in protest against Australia’s legal stance against same-sex marriage.
Here are some of their stamps:
They are currently ruled by Emperor Dale I, and their currency is the Pink Dollar.
And, indeed - they declared war on Australia for not recognizing same-sex marriages performed outside the country.  (Second link.)


You’re telling me there has been a Gay Island this ENTIRE TIME and I’m only just finding out about it????


WHAT

okay, but not enough people know the details on this. people at pride were upset about gay rights in australia. so they decided to sail 200 miles into the coral sea just ‘cause and put a rainbow flag on a fucking empty island out of spite. and i’m talking empty. no inhabitants. zero. it was a flat piece of land with a bit of dry grass. now it has a camp site and a post office. 
they have a declaration of independence that talks a bit about gay rights and then just flat out copies the “life liberty and the pursuit of happiness” part from the american declaration of independence. and here’s the best part: the founding group actually elected their emperor. he was originally going to be called the “administrator” of a republic. their website, however, says that “upon legal advice, his title was changed to that of Sovereign on the grounds that under Australian law a defacto prince trying to claim his crown cannot be charged with treason”. so they made it a kingdom and he now claims to be a descendent of edward ii.
everything about this is glorious and everyone should know about it. Keep reading

Not one of you mentioned that the anthem for this nation is I Am What I Am by Gloria Gaynor. Not. One. Of. You.

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                finance: Senator Eric Abetz has complained
 about the rainbow pride flag being
 flown in the foyer of a government
 department, saving it belongs to a
 "hostile nation" that has declared war
 on Australia.
 SENATE
 Senate Finance and Public Administration
 Legisiation Committee
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared war on Australia
Oh my god though guys you don’t know the best thing!  The best thing is: he’s right.
The Gay and Lesbian Kingdom of the Coral Sea Islands is a micronation near Australia.  This is their flag:
The Gay Kingdom (as it is colloquially known) was founded in 2004 in protest against Australia’s legal stance against same-sex marriage.
Here are some of their stamps:
They are currently ruled by Emperor Dale I, and their currency is the Pink Dollar.
And, indeed - they declared war on Australia for not recognizing same-sex marriages performed outside the country.  (Second link.)


You’re telling me there has been a Gay Island this ENTIRE TIME and I’m only just finding out about it????


WHAT

okay, but not enough people know the details on this. people at pride were upset about gay rights in australia. so they decided to sail 200 miles into the coral sea just ‘cause and put a rainbow flag on a fucking empty island out of spite. and i’m talking empty. no inhabitants. zero. it was a flat piece of land with a bit of dry grass. now it has a camp site and a post office. 
they have a declaration of independence that talks a bit about gay rights and then just flat out copies the “life liberty and the pursuit of happiness” part from the american declaration of independence. and here’s the best part: the founding group actually elected their emperor. he was originally going to be called the “administrator” of a republic. their website, however, says that “upon legal advice, his title was changed to that of Sovereign on the grounds that under Australian law a defacto prince trying to claim his crown cannot be charged with treason”. so they made it a kingdom and he now claims to be a descendent of edward ii.
everything about this is glorious and everyone should know about it. Keep reading

Not one of you mentioned that the anthem for this nation is I Am What I Am by Gloria Gaynor. Not. One. Of. You.

                
            

            
            
ileolai:

gondorsfinest:

feitanswife:

sailurmars:

mycroftrh:

gerbthenerd:
Reblog if you’re part of a hostile nation that’s declared w...