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        🔥 | Latest
    

    
    

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Bitch, Click, and Dating: guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractandedgyname:


libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.
This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.
Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!


So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Imagine openly saying you don’t find your SO physically attractive, that’s embarrassing for yourself and the person you’re with.


studies show no matter how old men get typically they are most attracted to women in their twenties whereas women are most attracted to men around their age. and yet, women are seen as being superficial and shallow for just wanting to be with someone attractive…


yes, basing whether or not you date somebody on their looks is shallow.
it’s the definition of shallow, in fact.


shallow is dating some entirely for their looks. dating someone you find attractive is just how attration works Ugly. 


You need to be attracted to the person you date. That’s just logic. Don’t settle for someone you’re not attracted to.

The issue here is not just saying “you should someone you find attractive”, the issue is saying “don’t date ugly guys” as though that’s some sort of objective classification and acting like you’re literally better than people because you’re more physically attractive and they should be thanking the gods if you even grace them with your presence. That’s the conceited bullshit. Also for most people attraction has to be more than physical. Physical can be a part of it but there are plenty of hot assholes.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Bitch, Click, and Dating: guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractandedgyname:


libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.
This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.
Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!


So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Imagine openly saying you don’t find your SO physically attractive, that’s embarrassing for yourself and the person you’re with.


studies show no matter how old men get typically they are most attracted to women in their twenties whereas women are most attracted to men around their age. and yet, women are seen as being superficial and shallow for just wanting to be with someone attractive…


yes, basing whether or not you date somebody on their looks is shallow.
it’s the definition of shallow, in fact.


shallow is dating some entirely for their looks. dating someone you find attractive is just how attration works Ugly. 


You need to be attracted to the person you date. That’s just logic. Don’t settle for someone you’re not attracted to.

The issue here is not just saying “you should someone you find attractive”, the issue is saying “don’t date ugly guys” as though that’s some sort of objective classification and acting like you’re literally better than people because you’re more physically attractive and they should be thanking the gods if you even grace them with your presence. That’s the conceited bullshit. Also for most people attraction has to be more than physical. Physical can be a part of it but there are plenty of hot assholes.
                
                

                
            

            
            
guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractan...

            
            
        

    



            

        

        
        

            

                




    Girls, Instagram, and Jealous: paradise-dream222:

libertarirynn:

paradise-dream222:
flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 
Holy fuck y’all are conceited. Those men are dodging bullets.

@libertarirynn Lol lemme clarify my statement was very limited to what truly went down in that relationship. Him being unattractive to me was just on the surface. He did also turn out to be jealous, an alcoholic, and very controlling as well. My expectations then (age 18) were on the selfish side because I felt that an “ugly” guy would basically worship a pretty girl, seeing that he hadn’t dated many girls before me. Also I desperately wanted to be in a relationship because of my foolish insecurities. Trust me I take the L and I understand that it was apart of my karma the overall outcome, because I went about that relationship all wrong. BUT he is still at fault for being a terrible boyfriend, because even though now I can openly say I wasn’t attracted to him. I did not mistreat him at all, I never told him to his face I thought he was ugly. It was my internal feelings towards him. 

OK then the issue is that he’s a shitty boyfriend, not that he’s ugly. So why are you bringing up his “ugliness” as though that’s a factor for why relationship didn’t work out or acting like he should’ve worshiped you because you were more attractive? He could’ve been handsome as fuck and still had all of those personality flaws you mentioned.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Girls, Instagram, and Jealous: paradise-dream222:

libertarirynn:

paradise-dream222:
flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 
Holy fuck y’all are conceited. Those men are dodging bullets.

@libertarirynn Lol lemme clarify my statement was very limited to what truly went down in that relationship. Him being unattractive to me was just on the surface. He did also turn out to be jealous, an alcoholic, and very controlling as well. My expectations then (age 18) were on the selfish side because I felt that an “ugly” guy would basically worship a pretty girl, seeing that he hadn’t dated many girls before me. Also I desperately wanted to be in a relationship because of my foolish insecurities. Trust me I take the L and I understand that it was apart of my karma the overall outcome, because I went about that relationship all wrong. BUT he is still at fault for being a terrible boyfriend, because even though now I can openly say I wasn’t attracted to him. I did not mistreat him at all, I never told him to his face I thought he was ugly. It was my internal feelings towards him. 

OK then the issue is that he’s a shitty boyfriend, not that he’s ugly. So why are you bringing up his “ugliness” as though that’s a factor for why relationship didn’t work out or acting like he should’ve worshiped you because you were more attractive? He could’ve been handsome as fuck and still had all of those personality flaws you mentioned.
                
                

                
            

            
            
paradise-dream222:

libertarirynn:

paradise-dream222:
flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dat...

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Children, College, and Confidence: Maya's Homework
 5:32 PM (9 minutes ago)
 Bunmi Laditan
 to
 Hello Maya's teachers,
 Maya will be drastically reducing the amount of homework she does this year. She's been very stressed and is starting to have
 physical symptoms such as chest pain and waking up at 4AM worrying about her school workload.
 She's not behind academically and very much enjoys school. We've consulted with a tutor and a therapist suggested we lighten
 her workload. Doing 2-3 hours of homework after getting home at 4:30 is leaving little time for her to just be a child and enjoy
 family time and we'd like to avoid her sinking into a depression over this.
 Thank you for understanding.
 warmly, Bunmi
vaporwavevocap:

ryttu3k:
darkwizardjamesmason:

dienaziscum:

fishcustardandclintbarton:

huffingtonpost:


Mom declares her daughter is done with homework in viral email.
Blogger Bunmi Laditan sent her 10-year-old’s school a clear message.
“Hello Maya’s teachers,
Maya will be drastically reducing the amount of homework she does this year. She’s been very stressed and is starting to have physical symptoms such as chest pain and waking up at 4 a.m. worrying about her school workload. 
She’s not behind academically and very much enjoys school. We consulted with a tutor and a therapist suggested we lighten her workload. Doing 2-3 hours of homework after getting home at 4:30 is leaving little time for her to just be a child and enjoy family time and we’d like to avoid her sinking into a depression over this.”


A++++ parenting 💜

I’ve talked with a whole cadre of child therapists and psychiatrists about this very issue. There is little conclusive evidence that homework significantly improves elementary school children’s grades, understanding of subjects, or facility with various operations, processes, etc. However, plenty of evidence suggests that ever-increasing amounts of homework for young children lead to stress, anxiety, emotional fatigue, resistance toward academics in general, lack of leisure time to build social/interpersonal skills, and poorer family relations.  (My kids were doing about 3 hours a week IN KINDERGARTEN, at age 5 – so that’s ½ hour every night, after a 6.5 hour school day, or else saving it up for long slogs over the weekend, even more disruptive. And that wasn’t including reading practice!) 


We have stopped doing homework altogether with my 7 year old as a result of severe anxiety/depression and a learning disability. She had gotten to a place where she had so little self confidence and truly believed that she was stupid and worthless, not just because of homework of course – but every time we tried to sit down to do homework with her, it’d end in tears with her really vehemently berating herself, and no amount of encouragement could ameliorate the damage done. Now, granted, she’s got other things going on besides just an overload of school work. But in NO WAY did the homework help her, either academically or emotionally. 
No little kid should have to spend an hour or more each night getting through homework. Now, my deal with Siena is that if she wants to give her homework a shot, I will absolutely help her if she wishes for help, but I no longer force her to complete all of it or to work on it for some set length of time before finally throwing in the towel. 
Guess what? With the pressure taken off, she’s actually doing MORE independent work now, purely out of the desire to learn and practice, than she ever was before we’d decided with her therapy team and school that homework was just not a thing this kid could handle.
Luckily for my older daughter my school’s 3rd-grade team decided to hand out homework only 3x/week, and the sheets take no more than 15-20 minutes to complete. That is totally reasonable for 8-9 year olds! 
Anyway tl;dr just because the school system may require it sure as shit doesn’t mean parents can’t, or shouldn’t, fight it. Do what’s right for your kid, and above all, let them be kids. 

I eventually stopped doing homework because I was overwhelmed by it.

There was an article just the other day in the local paper about a primary school that’s abolishing homework! You can read it here (autoplay video, gives you a few seconds to stop it).


Homework is intrusive in a young child’s life. It makes sense for adults who will likely have to bring work home with them so in college it’s good training. But for young kids. No.

Seriously I’m 100% on board with this. There are high school students expected to do three or four hours and beyond worth of homework every day. It’s fucking ridiculous. And I work in elementary school where we literally have little kids develop anxiety disorder and have panic attacks over homework and testing. This shit is not normal.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Children, College, and Confidence: Maya's Homework
 5:32 PM (9 minutes ago)
 Bunmi Laditan
 to
 Hello Maya's teachers,
 Maya will be drastically reducing the amount of homework she does this year. She's been very stressed and is starting to have
 physical symptoms such as chest pain and waking up at 4AM worrying about her school workload.
 She's not behind academically and very much enjoys school. We've consulted with a tutor and a therapist suggested we lighten
 her workload. Doing 2-3 hours of homework after getting home at 4:30 is leaving little time for her to just be a child and enjoy
 family time and we'd like to avoid her sinking into a depression over this.
 Thank you for understanding.
 warmly, Bunmi
vaporwavevocap:

ryttu3k:
darkwizardjamesmason:

dienaziscum:

fishcustardandclintbarton:

huffingtonpost:


Mom declares her daughter is done with homework in viral email.
Blogger Bunmi Laditan sent her 10-year-old’s school a clear message.
“Hello Maya’s teachers,
Maya will be drastically reducing the amount of homework she does this year. She’s been very stressed and is starting to have physical symptoms such as chest pain and waking up at 4 a.m. worrying about her school workload. 
She’s not behind academically and very much enjoys school. We consulted with a tutor and a therapist suggested we lighten her workload. Doing 2-3 hours of homework after getting home at 4:30 is leaving little time for her to just be a child and enjoy family time and we’d like to avoid her sinking into a depression over this.”


A++++ parenting 💜

I’ve talked with a whole cadre of child therapists and psychiatrists about this very issue. There is little conclusive evidence that homework significantly improves elementary school children’s grades, understanding of subjects, or facility with various operations, processes, etc. However, plenty of evidence suggests that ever-increasing amounts of homework for young children lead to stress, anxiety, emotional fatigue, resistance toward academics in general, lack of leisure time to build social/interpersonal skills, and poorer family relations.  (My kids were doing about 3 hours a week IN KINDERGARTEN, at age 5 – so that’s ½ hour every night, after a 6.5 hour school day, or else saving it up for long slogs over the weekend, even more disruptive. And that wasn’t including reading practice!) 


We have stopped doing homework altogether with my 7 year old as a result of severe anxiety/depression and a learning disability. She had gotten to a place where she had so little self confidence and truly believed that she was stupid and worthless, not just because of homework of course – but every time we tried to sit down to do homework with her, it’d end in tears with her really vehemently berating herself, and no amount of encouragement could ameliorate the damage done. Now, granted, she’s got other things going on besides just an overload of school work. But in NO WAY did the homework help her, either academically or emotionally. 
No little kid should have to spend an hour or more each night getting through homework. Now, my deal with Siena is that if she wants to give her homework a shot, I will absolutely help her if she wishes for help, but I no longer force her to complete all of it or to work on it for some set length of time before finally throwing in the towel. 
Guess what? With the pressure taken off, she’s actually doing MORE independent work now, purely out of the desire to learn and practice, than she ever was before we’d decided with her therapy team and school that homework was just not a thing this kid could handle.
Luckily for my older daughter my school’s 3rd-grade team decided to hand out homework only 3x/week, and the sheets take no more than 15-20 minutes to complete. That is totally reasonable for 8-9 year olds! 
Anyway tl;dr just because the school system may require it sure as shit doesn’t mean parents can’t, or shouldn’t, fight it. Do what’s right for your kid, and above all, let them be kids. 

I eventually stopped doing homework because I was overwhelmed by it.

There was an article just the other day in the local paper about a primary school that’s abolishing homework! You can read it here (autoplay video, gives you a few seconds to stop it).


Homework is intrusive in a young child’s life. It makes sense for adults who will likely have to bring work home with them so in college it’s good training. But for young kids. No.

Seriously I’m 100% on board with this. There are high school students expected to do three or four hours and beyond worth of homework every day. It’s fucking ridiculous. And I work in elementary school where we literally have little kids develop anxiety disorder and have panic attacks over homework and testing. This shit is not normal.
                
            

            
            
vaporwavevocap:

ryttu3k:
darkwizardjamesmason:

dienaziscum:

fishcustardandclintbarton:

huffingtonpost:


Mom declares her daughter is do...

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Energy, Money, and Skinny: Good old days...
 MEN
 WOULDN'T
 LOOK AT ME
 WHENI WAS
 SKINNY
 but...
 Since I Gained 10 Pounds
 This New, Easy Way
 I Have All the Dates I Want
 NOW there's no necd t
 ain an ounce
 before. Here's a new, easy treatment that is giving
 thousands attractive flesh-in just a few weceks!
 u wwith this new veast discovery
 in little tablets, you can get far greater tonle re-
 sults-regain health, and also put on pounds of firm
 Not only are thousands quickly gaining beauty-
 bringing pounds, but also elear skin, freedom
 from indigestion and constipation, new pep.
 Concentrated 7 times
 amazing new product, Ironized Yeast, is
 This
 made from specially cultured brewers ale yeast
 imported from Europe-the richest yeast known
 whieh ro ulcentrated 7 times
 But that is not all! This super-rich yeast is iron-
 ized with 3 speclal kinds of iron which strengthen
 the blood, add energy.
 u take Ironized Yeast tab-
 lets. watch Bat chest develop, skinny limbs round
 out attractively. Skin clears to beauty, new health
 comes-you're an entirely new person.
 Results guaranteed
 No matter how skinny and weak you may be, or
 how long you have been that way, this marvelous
 hort weeks as it has thousands. It you are not
 delighted with the results of the very first pack
 age, your money will be instantly refunded.
 Special FREE offer!
 To start you building up your health right away,
 we make this absolutely FREE offer. Purchase a
 h s on the hox and mail it to us with a clin
 ping of this paragraph. We will send you a fasci-
 Redy well-known authority. Remember, re-
 sults are guaranteed with the very first package-
 OT money 98Atianta, Co Ironized Yeast
 Co., Inc., Dept.
 Pd y prafeeimalodel
 THE META PICTURE
srsfunny:

Things Were So Different Back Then
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Energy, Money, and Skinny: Good old days...
 MEN
 WOULDN'T
 LOOK AT ME
 WHENI WAS
 SKINNY
 but...
 Since I Gained 10 Pounds
 This New, Easy Way
 I Have All the Dates I Want
 NOW there's no necd t
 ain an ounce
 before. Here's a new, easy treatment that is giving
 thousands attractive flesh-in just a few weceks!
 u wwith this new veast discovery
 in little tablets, you can get far greater tonle re-
 sults-regain health, and also put on pounds of firm
 Not only are thousands quickly gaining beauty-
 bringing pounds, but also elear skin, freedom
 from indigestion and constipation, new pep.
 Concentrated 7 times
 amazing new product, Ironized Yeast, is
 This
 made from specially cultured brewers ale yeast
 imported from Europe-the richest yeast known
 whieh ro ulcentrated 7 times
 But that is not all! This super-rich yeast is iron-
 ized with 3 speclal kinds of iron which strengthen
 the blood, add energy.
 u take Ironized Yeast tab-
 lets. watch Bat chest develop, skinny limbs round
 out attractively. Skin clears to beauty, new health
 comes-you're an entirely new person.
 Results guaranteed
 No matter how skinny and weak you may be, or
 how long you have been that way, this marvelous
 hort weeks as it has thousands. It you are not
 delighted with the results of the very first pack
 age, your money will be instantly refunded.
 Special FREE offer!
 To start you building up your health right away,
 we make this absolutely FREE offer. Purchase a
 h s on the hox and mail it to us with a clin
 ping of this paragraph. We will send you a fasci-
 Redy well-known authority. Remember, re-
 sults are guaranteed with the very first package-
 OT money 98Atianta, Co Ironized Yeast
 Co., Inc., Dept.
 Pd y prafeeimalodel
 THE META PICTURE
srsfunny:

Things Were So Different Back Then
                
            

            
            
srsfunny:

Things Were So Different Back Then

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    Energy, Money, and Skinny: Good old days...
 MEN
 WOULDN'T
 LOOK AT ME
 WHENI WAS
 SKINNY
 but...
 Since I Gained 10 Pounds
 This New, Easy Way
 I Have All the Dates I Want
 NOW there's no necd t
 ain an ounce
 before. Here's a new, easy treatment that is giving
 thousands attractive flesh-in just a few weceks!
 u wwith this new veast discovery
 in little tablets, you can get far greater tonle re-
 sults-regain health, and also put on pounds of firm
 Not only are thousands quickly gaining beauty-
 bringing pounds, but also elear skin, freedom
 from indigestion and constipation, new pep.
 Concentrated 7 times
 amazing new product, Ironized Yeast, is
 This
 made from specially cultured brewers ale yeast
 imported from Europe-the richest yeast known
 whieh ro ulcentrated 7 times
 But that is not all! This super-rich yeast is iron-
 ized with 3 speclal kinds of iron which strengthen
 the blood, add energy.
 u take Ironized Yeast tab-
 lets. watch Bat chest develop, skinny limbs round
 out attractively. Skin clears to beauty, new health
 comes-you're an entirely new person.
 Results guaranteed
 No matter how skinny and weak you may be, or
 how long you have been that way, this marvelous
 hort weeks as it has thousands. It you are not
 delighted with the results of the very first pack
 age, your money will be instantly refunded.
 Special FREE offer!
 To start you building up your health right away,
 we make this absolutely FREE offer. Purchase a
 h s on the hox and mail it to us with a clin
 ping of this paragraph. We will send you a fasci-
 Redy well-known authority. Remember, re-
 sults are guaranteed with the very first package-
 OT money 98Atianta, Co Ironized Yeast
 Co., Inc., Dept.
 Pd y prafeeimalodel
 THE META PICTURE
srsfunny:Things Were So Different Back Then
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Energy, Money, and Skinny: Good old days...
 MEN
 WOULDN'T
 LOOK AT ME
 WHENI WAS
 SKINNY
 but...
 Since I Gained 10 Pounds
 This New, Easy Way
 I Have All the Dates I Want
 NOW there's no necd t
 ain an ounce
 before. Here's a new, easy treatment that is giving
 thousands attractive flesh-in just a few weceks!
 u wwith this new veast discovery
 in little tablets, you can get far greater tonle re-
 sults-regain health, and also put on pounds of firm
 Not only are thousands quickly gaining beauty-
 bringing pounds, but also elear skin, freedom
 from indigestion and constipation, new pep.
 Concentrated 7 times
 amazing new product, Ironized Yeast, is
 This
 made from specially cultured brewers ale yeast
 imported from Europe-the richest yeast known
 whieh ro ulcentrated 7 times
 But that is not all! This super-rich yeast is iron-
 ized with 3 speclal kinds of iron which strengthen
 the blood, add energy.
 u take Ironized Yeast tab-
 lets. watch Bat chest develop, skinny limbs round
 out attractively. Skin clears to beauty, new health
 comes-you're an entirely new person.
 Results guaranteed
 No matter how skinny and weak you may be, or
 how long you have been that way, this marvelous
 hort weeks as it has thousands. It you are not
 delighted with the results of the very first pack
 age, your money will be instantly refunded.
 Special FREE offer!
 To start you building up your health right away,
 we make this absolutely FREE offer. Purchase a
 h s on the hox and mail it to us with a clin
 ping of this paragraph. We will send you a fasci-
 Redy well-known authority. Remember, re-
 sults are guaranteed with the very first package-
 OT money 98Atianta, Co Ironized Yeast
 Co., Inc., Dept.
 Pd y prafeeimalodel
 THE META PICTURE
srsfunny:Things Were So Different Back Then
                
            

            
            
srsfunny:Things Were So Different Back Then

            
            
        

    



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                



            

        

        
        

            

                




    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...