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Church, Fire, and Internet: DISORDERLY Oct. 1 - A group of students playing hide and seek in the Harris Fine Arts Center at 11 p.m. caused a faculty member to call the University Police. The police arrived but were not able to find any of the students. deadmomjokes: owl-librarian: #you just made it a higher stakes game of hide and seek Having gone to this University, and having personally played hide and seek in the Harris Fine Arts Center, I guarantee you that NOBODY finds hiders unless they, too, are familiar with the bowels of the HFAC. Once you get down to the practice-room levels, time stops completely and you could walk up the back stair and end up in 1967. The halls change at least 8 times an hour, there’s no way you’re getting back out the same way you came in. When the lights start going off at 10 the whole bottom 3 floors descend into some subsection of the fey realm. I once hid up on the balcony stage access fire-escape thing of a lower-level theater, and 3 faculty walked by under me and not a one of them noticed the hulking, wheezing asthmatic lurking above them, half dangling off a rickety metal ladder that probably wasn’t supposed to be climbed. A fellow hider friend came and found me, and we sat up there for 30 minutes listening to some distant clicking sound before we realized nobody was actually going to find us. We had no cell service, and no internet to reach anyone. We got lost trying to get back out, and once we resurfaced, everyone else was gone, the building was empty, and we just went home to eat ice cream. Nobody knew where we had disappeared to, and nobody bothered to check if we were there before leaving. For all I know, they just assumed we had been lost to the gaping maw of the HFAC basement and when they saw us at church on Sunday it was probably like they’d seen a ghost. None of us ever mentioned it again. Basically what I’m saying is Campus Police had no hope of finding them in the first place and probably lost an officer or two if they actually conducted a real search, because nobody except Senior art majors or veteran custodians actually knows how to navigate that building and make it out in the same dimension they entered from. Not at 11pm anyway.
Church, Fire, and Internet: DISORDERLY
 Oct. 1 - A group of students
 playing hide and seek in the
 Harris Fine Arts Center at 11
 p.m. caused a faculty member
 to call the University Police.
 The police arrived but were
 not able to find any of the
 students.
deadmomjokes:
owl-librarian:
#you just made it a higher stakes game of hide and seek
Having gone to this University, and having personally played hide and seek in the Harris Fine Arts Center, I guarantee you that NOBODY finds hiders unless they, too, are familiar with the bowels of the HFAC. Once you get down to the practice-room levels, time stops completely and you could walk up the back stair and end up in 1967. The halls change at least 8 times an hour, there’s no way you’re getting back out the same way you came in. When the lights start going off at 10 the whole bottom 3 floors descend into some subsection of the fey realm. I once hid up on the balcony stage access fire-escape thing of a lower-level theater, and 3 faculty walked by under me and not a one of them noticed the hulking, wheezing asthmatic lurking above them, half dangling off a rickety metal ladder that probably wasn’t supposed to be climbed. A fellow hider friend came and found me, and we sat up there for 30 minutes listening to some distant clicking sound before we realized nobody was actually going to find us. We had no cell service, and no internet to reach anyone. We got lost trying to get back out, and once we resurfaced, everyone else was gone, the building was empty, and we just went home to eat ice cream. Nobody knew where we had disappeared to, and nobody bothered to check if we were there before leaving. For all I know, they just assumed we had been lost to the gaping maw of the HFAC basement and when they saw us at church on Sunday it was probably like they’d seen a ghost. None of us ever mentioned it again.
Basically what I’m saying is Campus Police had no hope of finding them in the first place and probably lost an officer or two if they actually conducted a real search, because nobody except Senior art majors or veteran custodians actually knows how to navigate that building and make it out in the same dimension they entered from. Not at 11pm anyway.

deadmomjokes: owl-librarian: #you just made it a higher stakes game of hide and seek Having gone to this University, and having personally p...

Bodies , Children, and Climbing: Drowning in real life looks nothing like in the movies, and in fact many parents actually watch their children drown, having no idea that it's happening Ultrafacts.tumblr.com faikitty: mermaibee: ultrafacts: According to the CDC, in 10 percent of those drownings, the adult will actually watch the child do it, having no idea it is happening. Drowning does not look like drowning—Dr. Pia, in an article in the Coast Guard’s On Scene magazine, described the Instinctive Drowning Response like this: “Except in rare circumstances, drowning people are physiologically unable to call out for help. The respiratory system was designed for breathing. Speech is the secondary or overlaid function. Breathing must be fulfilled before speech occurs. Drowning people’s mouths alternately sink below and reappear above the surface of the water. The mouths of drowning people are not above the surface of the water long enough for them to exhale, inhale, and call out for help. When the drowning people’s mouths are above the surface, they exhale and inhale quickly as their mouths start to sink below the surface of the water. Drowning people cannot wave for help. Nature instinctively forces them to extend their arms laterally and press down on the water’s surface. Pressing down on the surface of the water permits drowning people to leverage their bodies so they can lift their mouths out of the water to breathe. Throughout the Instinctive Drowning Response, drowning people cannot voluntarily control their arm movements. Physiologically, drowning people who are struggling on the surface of the water cannot stop drowning and perform voluntary movements such as waving for help, moving toward a rescuer, or reaching out for a piece of rescue equipment. From beginning to end of the Instinctive Drowning Response people’s bodies remain upright in the water, with no evidence of a supporting kick. Unless rescued by a trained lifeguard, these drowning people can only struggle on the surface of the water from 20 to 60 seconds before submersion occurs.” This doesn’t mean that a person that is yelling for help and thrashing isn’t in real trouble—they are experiencing aquatic distress. Not always present before the Instinctive Drowning Response, aquatic distress doesn’t last long—but unlike true drowning, these victims can still assist in their own rescue. They can grab lifelines, throw rings, etc. Look for these other signs of drowning when persons are in the water: Head low in the water, mouth at water level Head tilted back with mouth open Eyes glassy and empty, unable to focus Eyes closed Hair over forehead or eyes Not using legs—vertical Hyperventilating or gasping Trying to swim in a particular direction but not making headway Trying to roll over on the back Appear to be climbing an invisible ladder So if a crew member falls overboard and everything looks OK—don’t be too sure. Sometimes the most common indication that someone is drowning is that they don’t look like they’re drowning. They may just look like they are treading water and looking up at the deck. One way to be sure? Ask them, “Are you all right?” If they can answer at all—they probably are. If they return a blank stare, you may have less than 30 seconds to get to them. And parents—children playing in the water make noise. When they get quiet, you get to them and find out why. Source/article: [x] Follow Ultrafacts for more facts! BOOST FOR THE SUMMER. PLEASE PLEASE PLEASE. Can I just say thank you to OP for putting such a detailed description on this? I’ve been a lifeguard for 6 years now and of all the saves I’ve done, maybe two or three had people drowning in the stereotypical thrashing style. And even those, like the save I made last weekend, it was exactly like OP describes where the person’s head is going in and out of the water but it isn’t long enough to get any air. Mostly you recognize drowning by the look on someone’s face. If someone looks wide eyed and terrified or confused, chances are they’re drowning. That look of “oh shit” is pretty easily recognizable. And even if you can’t tell for sure: GO AFTER THEM ANYWAY. I’ve done “saves” where a kid was pretending to drown and I mistook it for real drowning, but that’s preferable to a kid ACTUALLY drowning. Also please remember that even strong swimmers can drown if they have a medical emergency, get cramps, or get too tired. If your friend knows how to swim but they’re acting funny get them to land. And even if someone can respond when you ask them if they need help, if they say they do need help? GO HELP THEM. However . If the victim is a stranger, I can’t recommend trying to get them. Lifeguards literally train to escape “attacks,” because people who are drowning can freak the fuck out and grab you and make YOU drown as well. If you do go in after someone, take hold of them from the back and talk to them the whole time. IF YOU ARE GRABBED: duck down into the water as low as you can get. The person is panicking and won’t want to go under water and should release you. Shove up at their hands and push them away from you as you duck under. Don’t die trying to save someone else. Please guys, read and memorize this post. Not all places have lifeguards. Being able to recognize drowning is such an important skill to have and you can save someone’s life.
Bodies , Children, and Climbing: Drowning in real life looks nothing like in the
 movies, and in fact many parents actually
 watch their children drown, having no idea
 that it's happening
 Ultrafacts.tumblr.com
faikitty:
mermaibee:

ultrafacts:

According to the CDC, in 10 percent of those drownings, the adult will actually watch the child do it, having no idea it is happening. Drowning does not look like drowning—Dr. Pia, in an article in the Coast Guard’s On Scene magazine, described the Instinctive Drowning Response like this:
“Except in rare circumstances, drowning people are physiologically unable to call out for help. The respiratory system was designed for breathing. Speech is the secondary or overlaid function. Breathing must be fulfilled before speech occurs.
Drowning people’s mouths alternately sink below and reappear above the surface of the water. The mouths of drowning people are not above the surface of the water long enough for them to exhale, inhale, and call out for help. When the drowning people’s mouths are above the surface, they exhale and inhale quickly as their mouths start to sink below the surface of the water.
Drowning people cannot wave for help. Nature instinctively forces them to extend their arms laterally and press down on the water’s surface. Pressing down on the surface of the water permits drowning people to leverage their bodies so they can lift their mouths out of the water to breathe.
Throughout the Instinctive Drowning Response, drowning people cannot voluntarily control their arm movements. Physiologically, drowning people who are struggling on the surface of the water cannot stop drowning and perform voluntary movements such as waving for help, moving toward a rescuer, or reaching out for a piece of rescue equipment.
From beginning to end of the Instinctive Drowning Response people’s bodies remain upright in the water, with no evidence of a supporting kick. Unless rescued by a trained lifeguard, these drowning people can only struggle on the surface of the water from 20 to 60 seconds before submersion occurs.”
This doesn’t mean that a person that is yelling for help and thrashing isn’t in real trouble—they are experiencing aquatic distress. Not always present before the Instinctive Drowning Response, aquatic distress doesn’t last long—but unlike true drowning, these victims can still assist in their own rescue. They can grab lifelines, throw rings, etc.
Look for these other signs of drowning when persons are in the water:
Head low in the water, mouth at water level
Head tilted back with mouth open
Eyes glassy and empty, unable to focus
Eyes closed
Hair over forehead or eyes
Not using legs—vertical
Hyperventilating or gasping
Trying to swim in a particular direction but not making headway
Trying to roll over on the back
Appear to be climbing an invisible ladder
So if a crew member falls overboard and everything looks OK—don’t be too sure. Sometimes the most common indication that someone is drowning is that they don’t look like they’re drowning. They may just look like they are treading water and looking up at the deck. One way to be sure? Ask them, “Are you all right?” If they can answer at all—they probably are. If they return a blank stare, you may have less than 30 seconds to get to them. And parents—children playing in the water make noise. When they get quiet, you get to them and find out why.
Source/article: [x] 
Follow Ultrafacts for more facts!


BOOST FOR THE SUMMER. PLEASE PLEASE PLEASE.

Can I just say thank you to OP for putting such a detailed description on this?
I’ve been a lifeguard for 6 years now and of all the saves I’ve done, maybe two or three had people drowning in the stereotypical thrashing style. And even those, like the save I made last weekend, it was exactly like OP describes where the person’s head is going in and out of the water but it isn’t long enough to get any air. Mostly you recognize drowning by the look on someone’s face. If someone looks wide eyed and terrified or confused, chances are they’re drowning. That look of “oh shit” is pretty easily recognizable. And even if you can’t tell for sure: GO AFTER THEM ANYWAY. I’ve done “saves” where a kid was pretending to drown and I mistook it for real drowning, but that’s preferable to a kid ACTUALLY drowning.
Also please remember that even strong swimmers can drown if they have a medical emergency, get cramps, or get too tired. If your friend knows how to swim but they’re acting funny get them to land. And even if someone can respond when you ask them if they need help, if they say they do need help? GO HELP THEM.

However . If the victim is a stranger, I can’t recommend trying to get  them. Lifeguards literally train to escape “attacks,” because people who are drowning can freak the fuck out and grab you and make YOU drown as well. If you do go in after someone, take hold of them from the back and talk to them the whole time. IF YOU ARE GRABBED: duck down into the water as low as you can get. The person is panicking and won’t want to go under water and should release you. Shove up at their hands and push them away from you as you duck under. Don’t die trying to save someone else.
Please guys, read and memorize this post. Not all places have lifeguards. Being able to recognize drowning is such an important skill to have and you can save someone’s life.

faikitty: mermaibee: ultrafacts: According to the CDC, in 10 percent of those drownings, the adult will actually watch the child do it, ha...

Africa, Children, and Family: Nearly half of American children experience some adverse childhood experience. Sesame Street wants to help them cope For Traumatized Children, An Offer Of Help From The Muppets The Angry Squirrel 40s Replying to @NPR No more safe spaces NPR trudy ferrer @trudyferrer 2m Replying to @NPR So lets keep defunding NPR jayne wilson @jwjwtw1997 1m Replying to @NPR Sometimes it's called" life ". A KNIFE!! @birdconspiracy literally how hateful do you have to be to respond to "we want to help traumatized children" with "that's Just LIFE you fucking SNOWFLAKES" Street wants to help them cope The Angry Squirrel .40s Replying to @NPR No more safe spaces NPR trudy ferrer @trudyferrer 2m Replying to @NPR So lets keep defunding NPR For Traumatized Children, An Offer Of Help From The Muppets npr.org jayne wilson @jwjwtw1997 1m Replying to @NPR Sometimes it's called" life ". 10/6/17, 10:29 AM Tweet your reply Tweet your reply reverseracism: lesbiangender: lesbiangender: grednforgesgirl: ogrish161: -“mommy, the kids at school are mean to me!” -“OH, WHAT, ARE U #TRIGGERED???, LIFE ISNT UR #SAFE SPACE LMAO” Stay away from children for the rest of your lives please The people who hate this are probably the ones traumatizing their children this is a show for 3 - 6 year olds what is WRONG with these monsters??? Fun fact, sesame street was created to fill the gap in education for children whose families could not afford to send them to preschool. Sesame street taught basic math and phonics as well as interpersonal skills so that children below the poverty line weren’t starting elementary school behind their more privileged classmates. Here sesame street is trying to fill a gap where supportive adults should be. Where there should be a teacher or a family member or a counselor to help, for whatever reason, there isn’t, so Sesame Street is stepping in. This breed of person has always hated Sesame Street. They hated it for showing black and white children playing together. They hated it for giving children of color the head start that rich white families were paying for. They hated it for Bert and Ernie for showing two MEN who LIVED TOGETHER, for the married black nurse who lived on sesame street when it was first released, and for them explaining death. I feel like there was a pregnancy at some point in its early days and they would have REALLY hated that. These days they don’t (usually) say “I’m not letting my kid watch anything with black kids in it” but they sure throw a tantrum in the youtube comments when Sesame Street DARES to show an autistic girl playing with non-autistic children and being treated like shes anyone else. They lose their shit when Sesame Street has to explain incarceration to 5 year olds. And the muppet in south africa with HIV? Hoo boy. They hate everything Sesame Street stands for and tries to provide. They always have. We just have to ignore them and keep supporting the show. Or tell them to shut the fuck up and keep supporting the show. Either way Sesame Street will outlive them. Sesame Street will outlive them.
Africa, Children, and Family: Nearly half of American children
 experience some adverse
 childhood experience. Sesame
 Street wants to help them cope
 For Traumatized Children, An Offer Of
 Help From The Muppets

 The Angry Squirrel
 40s
 Replying to @NPR
 No more safe spaces NPR
 trudy ferrer @trudyferrer 2m
 Replying to @NPR
 So lets keep defunding NPR
 jayne wilson @jwjwtw1997 1m
 Replying to @NPR
 Sometimes it's called" life ".

 A KNIFE!!
 @birdconspiracy
 literally how hateful do you have to
 be to respond to "we want to help
 traumatized children" with "that's Just
 LIFE you fucking SNOWFLAKES"
 Street wants to help them cope
 The Angry Squirrel
 .40s
 Replying to @NPR
 No more safe spaces NPR
 trudy ferrer @trudyferrer 2m
 Replying to @NPR
 So lets keep defunding NPR
 For Traumatized Children, An Offer Of
 Help From The Muppets
 npr.org
 jayne wilson @jwjwtw1997 1m
 Replying to @NPR
 Sometimes it's called" life ".
 10/6/17, 10:29 AM
 Tweet your reply
 Tweet your reply
reverseracism:
lesbiangender:

lesbiangender:


grednforgesgirl:

ogrish161:

-“mommy, the kids at school are mean to me!”
-“OH, WHAT, ARE U #TRIGGERED???, LIFE ISNT UR #SAFE SPACE LMAO”
Stay away from children for the rest of your lives please


The people who hate this are probably the ones traumatizing their children


this is a show for 3 - 6 year olds what is WRONG with these monsters???


Fun fact, sesame street was created to fill the gap in education for children whose families could not afford to send them to preschool. Sesame street taught basic math and phonics as well as interpersonal skills so that children below the poverty line weren’t starting elementary school behind their more privileged classmates. 
Here sesame street is trying to fill a gap where supportive adults should be. Where there should be a teacher or a family member or a counselor to help, for whatever reason, there isn’t, so Sesame Street is stepping in.
This breed of person has always hated Sesame Street. They hated it for showing black and white children playing together. They hated it for giving children of color the head start that rich white families were paying for. They hated it for Bert and Ernie for showing two MEN who LIVED TOGETHER, for the married black nurse who lived on sesame street when it was first released, and for them explaining death. I feel like there was a pregnancy at some point in its early days and they would have REALLY hated that. 
These days they don’t (usually) say “I’m not letting my kid watch anything with black kids in it” but they sure throw a tantrum in the youtube comments when Sesame Street DARES to show an autistic girl playing with non-autistic children and being treated like shes anyone else. They lose their shit when Sesame Street has to explain incarceration to 5 year olds. And the muppet in south africa with HIV? Hoo boy. 
They hate everything Sesame Street stands for and tries to provide. They always have. We just have to ignore them and keep supporting the show. Or tell them to shut the fuck up and keep supporting the show. Either way Sesame Street will outlive them. 


Sesame Street will outlive them.

reverseracism: lesbiangender: lesbiangender: grednforgesgirl: ogrish161: -“mommy, the kids at school are mean to me!” -“OH, WHAT, ARE U...

Church, Fire, and Internet: DISORDERLY Oct. 1 - A group of students playing hide and seek in the Harris Fine Arts Center at 11 p.m. caused a faculty member to call the University Police. The police arrived but were not able to find any of the students. deadmomjokes: owl-librarian: #you just made it a higher stakes game of hide and seek Having gone to this University, and having personally played hide and seek in the Harris Fine Arts Center, I guarantee you that NOBODY finds hiders unless they, too, are familiar with the bowels of the HFAC. Once you get down to the practice-room levels, time stops completely and you could walk up the back stair and end up in 1967. The halls change at least 8 times an hour, there’s no way you’re getting back out the same way you came in. When the lights start going off at 10 the whole bottom 3 floors descend into some subsection of the fey realm. I once hid up on the balcony stage access fire-escape thing of a lower-level theater, and 3 faculty walked by under me and not a one of them noticed the hulking, wheezing asthmatic lurking above them, half dangling off a rickety metal ladder that probably wasn’t supposed to be climbed. A fellow hider friend came and found me, and we sat up there for 30 minutes listening to some distant clicking sound before we realized nobody was actually going to find us. We had no cell service, and no internet to reach anyone. We got lost trying to get back out, and once we resurfaced, everyone else was gone, the building was empty, and we just went home to eat ice cream. Nobody knew where we had disappeared to, and nobody bothered to check if we were there before leaving. For all I know, they just assumed we had been lost to the gaping maw of the HFAC basement and when they saw us at church on Sunday it was probably like they’d seen a ghost. None of us ever mentioned it again. Basically what I’m saying is Campus Police had no hope of finding them in the first place and probably lost an officer or two if they actually conducted a real search, because nobody except Senior art majors or veteran custodians actually knows how to navigate that building and make it out in the same dimension they entered from. Not at 11pm anyway.
Church, Fire, and Internet: DISORDERLY
 Oct. 1 - A group of students
 playing hide and seek in the
 Harris Fine Arts Center at 11
 p.m. caused a faculty member
 to call the University Police.
 The police arrived but were
 not able to find any of the
 students.
deadmomjokes:

owl-librarian:
#you just made it a higher stakes game of hide and seek
Having gone to this University, and having personally played hide and seek in the Harris Fine Arts Center, I guarantee you that NOBODY finds hiders unless they, too, are familiar with the bowels of the HFAC. Once you get down to the practice-room levels, time stops completely and you could walk up the back stair and end up in 1967. The halls change at least 8 times an hour, there’s no way you’re getting back out the same way you came in. When the lights start going off at 10 the whole bottom 3 floors descend into some subsection of the fey realm. I once hid up on the balcony stage access fire-escape thing of a lower-level theater, and 3 faculty walked by under me and not a one of them noticed the hulking, wheezing asthmatic lurking above them, half dangling off a rickety metal ladder that probably wasn’t supposed to be climbed. A fellow hider friend came and found me, and we sat up there for 30 minutes listening to some distant clicking sound before we realized nobody was actually going to find us. We had no cell service, and no internet to reach anyone. We got lost trying to get back out, and once we resurfaced, everyone else was gone, the building was empty, and we just went home to eat ice cream. Nobody knew where we had disappeared to, and nobody bothered to check if we were there before leaving. For all I know, they just assumed we had been lost to the gaping maw of the HFAC basement and when they saw us at church on Sunday it was probably like they’d seen a ghost. None of us ever mentioned it again.
Basically what I’m saying is Campus Police had no hope of finding them in the first place and probably lost an officer or two if they actually conducted a real search, because nobody except Senior art majors or veteran custodians actually knows how to navigate that building and make it out in the same dimension they entered from. Not at 11pm anyway.

deadmomjokes: owl-librarian: #you just made it a higher stakes game of hide and seek Having gone to this University, and having personally ...

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.
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.

ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your...

Family, Puppy, and Today: Today we welcome our newest family member! Meet Billy.
Family, Puppy, and Today: Today we welcome our newest family member! Meet Billy.

Today we welcome our newest family member! Meet Billy.

Target, Tumblr, and Blog: transparentalia: Transparent Prussia because I thought this picture is pretty rad (x)
Target, Tumblr, and Blog: transparentalia:

Transparent Prussia because I thought this picture is pretty rad
(x)

transparentalia: Transparent Prussia because I thought this picture is pretty rad (x)

Being Alone, Booty, and Cats: RT This baby boy wasfoun food and diapers onacoldwinter night in Obninsk, Russia d with a bag containing baby Masha,the Cat, Saved the babyis life by curling around him and shielding!himtromlbelowitreezingtemperatures By the time paramedics responded totake thechild'toa hospital, Mashalhad grown protective of him, running after the baby and trvingttoljumplintothe ambulance afterhim jenniferrpovey: goaliesarethebest: pon-raul: wewill-tryagain: dendritic-trees: booty-uprooter: asryakino: srsfunny: Masha The Hero They forgot the part where the ambulance actually stopped to let the cat in oh good I was worried What a good cat. What a kind cat. How can anyone not love cats they are so good and loving. they also forgot the part where they only found the baby because masha was screaming her head off bc she knew this baby was in danger. she went around outside the alley the next morning and yelled at passerby until she got one to follow her to the baby. she kept him warm all night and then made sure someone found him. she was adopted after this bc she was a stray and is in a loving home and is a hero Hero cat Thank you, Masha, you’re such a good girl. See. Kittens can’t regulate their own body temperature. That’s why they pile up. Cats see us as colony members. Masha saw a kitten that was on its own, no mommy, no other kittens to cuddle with. She instinctively knew that was a cold kitten. She knew that a kitten alone on a cold night was very likely to die. Because a kitten would have died too. So, all she was doing was what any good colony member does - protecting the abandoned kitten. Then when the abandoned kitten’s mommy didn’t come back, she called the rest of the colony for help. People have this bizarre idea that housecats don’t have a social sense. They do, and it saved this kid’s life. And possibly Masha’s too, as life on the streets is dangerous for a kitty. We say “good dog” all the time, but Masha was being a very, very good cat…not just by human moral standards but by feline ones.
Being Alone, Booty, and Cats: RT
 This baby boy wasfoun
 food and diapers onacoldwinter night in Obninsk, Russia
 d with a bag containing baby
 Masha,the Cat, Saved the babyis life by curling
 around him
 and shielding!himtromlbelowitreezingtemperatures
 By the time paramedics responded totake thechild'toa
 hospital, Mashalhad grown protective of him, running after the
 baby and trvingttoljumplintothe ambulance afterhim
jenniferrpovey:
goaliesarethebest:

pon-raul:

wewill-tryagain:

dendritic-trees:

booty-uprooter:

asryakino:

srsfunny:

Masha The Hero

They forgot the part where the ambulance actually stopped to let the cat in


oh good I was worried

What a good cat. What a kind cat. How can anyone not love cats they are so good and loving.

they also forgot the part where they only found the baby because masha was screaming her head off bc she knew this baby was in danger. she went around outside the alley the next morning and yelled at passerby until she got one to follow her to the baby. she kept him warm all night and then made sure someone found him. she was adopted after this bc she was a stray and is in a loving home and is a hero


Hero cat

Thank you, Masha, you’re such a good girl.

See.
Kittens can’t regulate their own body temperature. That’s why they pile up.
Cats see us as colony members.
Masha saw a kitten that was on its own, no mommy, no other kittens to cuddle with. She instinctively knew that was a cold kitten. She knew that a kitten alone on a cold night was very likely to die. Because a kitten would have died too.
So, all she was doing was what any good colony member does - protecting the abandoned kitten. Then when the abandoned kitten’s mommy didn’t come back, she called the rest of the colony for help.
People have this bizarre idea that housecats don’t have a social sense. They do, and it saved this kid’s life. And possibly Masha’s too, as life on the streets is dangerous for a kitty.
We say “good dog” all the time, but Masha was being a very, very good cat…not just by human moral standards but by feline ones.

jenniferrpovey: goaliesarethebest: pon-raul: wewill-tryagain: dendritic-trees: booty-uprooter: asryakino: srsfunny: Masha The Hero T...