Caldo
Caldo

Caldo

Amici
Amici

Amici

Move To Canada
Move To Canada

Move To Canada

Jeff
Jeff

Jeff

Im A
Im A

Im A

Off
Off

Off

Faggie
Faggie

Faggie

dollars
 dollars

dollars

jeffe
 jeffe

jeffe

sub
 sub

sub

🔥 | Latest

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...

Amazon, Anaconda, and CoCo: Hend Amry @LibyaLiberty Follow I will pay more for a chocolate bar if it means less slavery how is this a serious warning. Mike S. Omer-Man@MikeOmerMan Nestle says slavery reporting requirements could cost customers srmi.exiiauafoliiicxi/icxlkir... 12:21 AM-5 Sep 2018 2,117 Retweets 8.247 Likes bet @③ scootsenshi: weeelllp: rsbenedict: kaijutegu: roachpatrol: I WOULD PAY TEN TIMES AS MUCH FOR CHOCOLATE IF IT MEANT REDUCING THE AMOUNT OF SLAVES IN THE WORLD? HOW IS THIS ANY KIND OF PROBLEM.  good news, you can! the company’s called Tony’s Chocolonely and their entire purpose is to make slave-free chocolate and reform the chocolate industry. https://tonyschocolonely.com/us/en https://en.wikipedia.org/wiki/Tony%27s_Chocolonely Whole Foods carries it. If you don’t want to support an Amazon-owned company, World Market carries it. You can also buy it directly from the company.  It’s the best chocolate I’ve ever had and it’s 100% slave free. Tony’s Chocolonely works really hard to push for transparency within the chocolate industry and actually has and is following an action plan to eliminate slavery within cocoa production. They’re good people who make good chocolate. A list of slavery-free chocolate companies: Aldi Aloha Feels Chocolate Alma Chocolate Alter Eco Chocolate Amano Chocolate Askinoise Chocolate The Beach Chocolate Factory Belicious Black Mountain Chocolate Cacaoteca Caribeans Chocolate Castronovo Chocolate Charm School Chocolates Chocolate Cartel Chocolat Celeste Chocolate Tree Chocolate Troubadour Choconat Coco Chocolate Compartes Chocolates Dandelion Chocolate Dark Forest Chocolate Denman Island Chocolate Divine Chocolate Co. Eating Evolved Eat Your Hat El Ceibo The Endangered Species Equal Exchange Fairafric Forever Cocoa Fresco Chocolate Fruition Chocolate Gayleen’s Decadence GEPA Chocolate Giddy Yo Yo Grenada Chocolate Company Grocer’s Daughter Chocolate Guittard Habitual Chocolate Hagensborg Chocolates Health by Chocolate Hilo Shark Chocolate HNINA Gourmet Honest Artisan Chocolate Hooray  Tuffles Ithaca Fine Chocolates L.A. Burdick Chocolates La Iguana Chocolate Lake Champlain Chocolates La Siembra Cooperative Lillie Belle Farms Madecasse Malagasy Maverick Chocolate Company Max Havelaar Mayan Monkey Mayordomo Mia Chocolate Montezuma’s Chocolates Nayah Amazon Chocolates Newman’s Own Organics Purdy’s Chocolate Omanahene Cocoa Bean Company Ombar OpuLux Fair Trade Chocolate Original Hawaiian Chocolate Parliament Chocolate Montevérgine Patric Chocolate Plamil Organic Chocolate Potomac Chocolate Pure Lovin’ Chocolate Rain Republic Rapunzel Pure Organics Ritual Chocolate Samaritan Xocolata Sappho Chocolates Seed Bean Chocolate Shaman Chocolates Sibú Chocolate Solkiki Chocolate Sweet Earth Chocolates Sweet Impact Fudge Sweet Riot Sun Eaters Organics Taza Chocolate Terra Nostra Organic Terroir Chocolate TCHO The Chocolate Wave Theo Chocolate The Original Chocolate Bar (Houston, TX) Tobago Estate Chocolate TONY’S CHOCOLONELY Vivani Chocolate Vosges Wei of Chocolate Xocolatl Chocolate Zotter Crazy how the main three chocolate companies in the US are all terrible Makes sense
Amazon, Anaconda, and CoCo: Hend Amry
 @LibyaLiberty
 Follow
 I will pay more for a chocolate bar if it means
 less slavery how is this a serious warning.
 Mike S. Omer-Man@MikeOmerMan
 Nestle says slavery reporting requirements could cost customers
 srmi.exiiauafoliiicxi/icxlkir...
 12:21 AM-5 Sep 2018
 2,117 Retweets 8.247 Likes
 bet
 @③
scootsenshi:

weeelllp:

rsbenedict:

kaijutegu:

roachpatrol:
I WOULD PAY TEN TIMES AS MUCH FOR CHOCOLATE IF IT MEANT REDUCING THE AMOUNT OF SLAVES IN THE WORLD? HOW IS THIS ANY KIND OF PROBLEM. 
good news, you can! the company’s called Tony’s Chocolonely and their entire purpose is to make slave-free chocolate and reform the chocolate industry.
https://tonyschocolonely.com/us/en
https://en.wikipedia.org/wiki/Tony%27s_Chocolonely
Whole Foods carries it. If you don’t want to support an Amazon-owned company, World Market carries it. You can also buy it directly from the company. 
It’s the best chocolate I’ve ever had and it’s 100% slave free. Tony’s Chocolonely works really hard to push for transparency within the chocolate industry and actually has and is following an action plan to eliminate slavery within cocoa production. They’re good people who make good chocolate.

A list of slavery-free chocolate companies:

Aldi

Aloha Feels Chocolate

Alma Chocolate

Alter Eco Chocolate

Amano Chocolate

Askinoise Chocolate

The Beach Chocolate Factory

Belicious

Black Mountain Chocolate

Cacaoteca

Caribeans Chocolate

Castronovo Chocolate

Charm School Chocolates

Chocolate Cartel

Chocolat Celeste

Chocolate Tree

Chocolate Troubadour

Choconat

Coco Chocolate

Compartes Chocolates

Dandelion Chocolate

Dark Forest Chocolate

Denman Island Chocolate

Divine Chocolate Co.

Eating Evolved

Eat Your Hat

El Ceibo

The Endangered Species

Equal Exchange

Fairafric

Forever Cocoa

Fresco Chocolate

Fruition Chocolate

Gayleen’s Decadence

GEPA Chocolate

Giddy Yo Yo

Grenada Chocolate Company

Grocer’s Daughter Chocolate

Guittard

Habitual Chocolate

Hagensborg Chocolates

Health by Chocolate

Hilo Shark Chocolate

HNINA Gourmet

Honest Artisan Chocolate

Hooray  Tuffles
Ithaca Fine Chocolates

L.A. Burdick Chocolates

La Iguana Chocolate

Lake Champlain Chocolates

La Siembra Cooperative

Lillie Belle Farms

Madecasse

Malagasy

Maverick Chocolate Company
Max Havelaar

Mayan Monkey

Mayordomo

Mia Chocolate

Montezuma’s Chocolates

Nayah Amazon Chocolates

Newman’s Own Organics

Purdy’s Chocolate

Omanahene Cocoa Bean Company

Ombar

OpuLux Fair Trade Chocolate

Original Hawaiian Chocolate

Parliament Chocolate

Montevérgine

Patric Chocolate

Plamil Organic Chocolate

Potomac Chocolate

Pure Lovin’ Chocolate

Rain Republic

Rapunzel Pure Organics

Ritual Chocolate

Samaritan Xocolata

Sappho Chocolates

Seed  Bean Chocolate

Shaman Chocolates

Sibú Chocolate

Solkiki Chocolate

Sweet Earth Chocolates

Sweet Impact Fudge

Sweet Riot

Sun Eaters Organics

Taza Chocolate

Terra Nostra Organic

Terroir Chocolate

TCHO

The Chocolate Wave

Theo Chocolate

The Original Chocolate Bar (Houston, TX)

Tobago Estate Chocolate

TONY’S CHOCOLONELY

Vivani Chocolate

Vosges

Wei of Chocolate

Xocolatl Chocolate
Zotter


Crazy how the main three chocolate companies in the US are all terrible 


Makes sense

scootsenshi: weeelllp: rsbenedict: kaijutegu: roachpatrol: I WOULD PAY TEN TIMES AS MUCH FOR CHOCOLATE IF IT MEANT REDUCING THE AMOUNT O...

Cum, Finals, and Love: f thot fitzgerald has finals pls send p... @dracomallfoys 1000 year old demons i wish i had a body to possess :// me, a tired mf who would love nothing more than to be run on auto pilot: herr–katze: saladsaladnovski: randomsplashes: me @ demons: it’s free real estate  NO BUT YOU DON’T UNDERSTAND Duo postulant percipitur honestatis et, eu discere deseruisse theophrastus ius. Graece doctus in vim, id nam utamur explicari. Eam id oporteat volutpat suavitate, has ei error senserit. Solet aliquid te ius, est quem ipsum ea. Ei his quod posse iriure, torquatos persecuti at qui, ei legere iuvaret reprehendunt sea. Nam scripta fabulas eu, mea ut labores persequeris. Vis ex solum contentiones, usu ex quodsi denique sententiae, at vix enim ullum error.Vel ubique explicari ne, quem ponderum ad eos. Et eius tibique eos, ea pro dicant partem abhorreant. Dolorum imperdiet ea vim, euismod laboramus cum in. Ius vero salutatus cu.Mel ad sonet accusam. Mei wisi integre persequeris te, nobis discere duo ut. Has aliquid necessitatibus ea, sit te putent commune scripserit, his ferri movet perfecto ad. Vidisse incorrupte ad pro, ad cum nostro mnesarchum voluptatum. Mei dicam feugait maluisset ex. Sit mollis eligendi ad.Id vim tota antiopam platonem, te sit audire viderer vocibus. Dicunt forensibus cotidieque te nam. Ad mel veniam corpora, ius et decore eligendi, quo falli numquam ex. Qualisque vulputate scriptorem et est, ea illum suscipit eam. Usu alienum praesent electram ea, quo utamur dolores id, dicant adipisci neglegentur eu nam. No mutat libris mea, movet persius detraxit vim cu, mel cu ceteros fabellas necessitatibus.Has ei habeo nobis decore. Nam labitur consulatu te, no malorum indoctum honestatis ius. Eu vix paulo tantas, mea ut minim atomorum consequuntur, docendi singulis cu sea. Pro ad nonumy aliquando, at possit possim vel. You’re right I don’t
Cum, Finals, and Love: f thot fitzgerald has finals pls send p...
 @dracomallfoys
 1000 year old demons i wish i had a body
 to possess ://
 me, a tired mf who would love nothing
 more than to be run on auto pilot:
herr–katze:

saladsaladnovski:


randomsplashes:
me @ demons: it’s free real estate 
NO BUT YOU DON’T UNDERSTAND
Duo postulant percipitur honestatis et, eu discere deseruisse theophrastus ius. Graece doctus in vim, id nam utamur explicari. Eam id oporteat volutpat suavitate, has ei error senserit. Solet aliquid te ius, est quem ipsum ea. Ei his quod posse iriure, torquatos persecuti at qui, ei legere iuvaret reprehendunt sea. Nam scripta fabulas eu, mea ut labores persequeris. Vis ex solum contentiones, usu ex quodsi denique sententiae, at vix enim ullum error.Vel ubique explicari ne, quem ponderum ad eos. Et eius tibique eos, ea pro dicant partem abhorreant. Dolorum imperdiet ea vim, euismod laboramus cum in. Ius vero salutatus cu.Mel ad sonet accusam. Mei wisi integre persequeris te, nobis discere duo ut. Has aliquid necessitatibus ea, sit te putent commune scripserit, his ferri movet perfecto ad. Vidisse incorrupte ad pro, ad cum nostro mnesarchum voluptatum. Mei dicam feugait maluisset ex. Sit mollis eligendi ad.Id vim tota antiopam platonem, te sit audire viderer vocibus. Dicunt forensibus cotidieque te nam. Ad mel veniam corpora, ius et decore eligendi, quo falli numquam ex. Qualisque vulputate scriptorem et est, ea illum suscipit eam. Usu alienum praesent electram ea, quo utamur dolores id, dicant adipisci neglegentur eu nam. No mutat libris mea, movet persius detraxit vim cu, mel cu ceteros fabellas necessitatibus.Has ei habeo nobis decore. Nam labitur consulatu te, no malorum indoctum honestatis ius. Eu vix paulo tantas, mea ut minim atomorum consequuntur, docendi singulis cu sea. Pro ad nonumy aliquando, at possit possim vel.


You’re right I don’t

herr–katze: saladsaladnovski: randomsplashes: me @ demons: it’s free real estate  NO BUT YOU DON’T UNDERSTAND Duo postulant percipitur ho...

Anime, God, and Head: English tests in 30 years, "QUESTION 5: What is the meaning of this meme?" wuackamole: icoree: unexpectedones: drowningxlessons: I literally heard the sentence in my head and it’s proof positive that this has evolved into its own language This meme primarily refers to the movie Toy Story, in which the toy cowboy, Woody, has a soundbox that sometimes says, “There’s a snake in my boot,” when the string on his back is pulled. The meme is from an anime and with no edits, the image shows a boy gesturing to a butterfly with a caption reading, “Is this a pigeon?”. It is commonly overlaid with other words or images in order to denote a change in who is speaking, what the speaker thinks the object they are gesturing at may be, and what the object actually is. This particular version of the meme, however, the image at the bottom, where the caption would normally be located, is another meme commonly known by the contemporary meme-makers and -viewers as the “free real estate” meme, due to the phrase the man uses in the advertisement from which the meme originates: “It’s free real estate.” Putting all these broken-down aspects of the meme together, we can translate the meme into written words. The snake gestures to the cowboy boots and thinks, “Is this free real estate?” noting its cluelessness in regards to the fact that it likely should not slither into Woody the cowboy’s boot. you’re a god I couldn’t put this into words but I understand perfectly
Anime, God, and Head: English tests in 30 years,
 "QUESTION 5: What is the
 meaning of this meme?"
wuackamole:

icoree:

unexpectedones:


drowningxlessons:
I literally heard the sentence in my head and it’s proof positive that this has evolved into its own language 
This meme primarily refers to the movie Toy Story, in which the toy cowboy, Woody, has a soundbox that sometimes says, “There’s a snake in my boot,” when the string on his back is pulled. The meme is from an anime and with no edits, the image shows a boy gesturing to a butterfly with a caption reading, “Is this a pigeon?”. It is commonly overlaid with other words or images in order to denote a change in who is speaking, what the speaker thinks the object they are gesturing at may be, and what the object actually is. This particular version of the meme, however, the image at the bottom, where the caption would normally be located, is another meme commonly known by the contemporary meme-makers and -viewers as the “free real estate” meme, due to the phrase the man uses in the advertisement from which the meme originates: “It’s free real estate.” Putting all these broken-down aspects of the meme together, we can translate the meme into written words. The snake gestures to the cowboy boots and thinks, “Is this free real estate?” noting its cluelessness in regards to the fact that it likely should not slither into Woody the cowboy’s boot.


you’re a god


I couldn’t put this into words but I understand perfectly

wuackamole: icoree: unexpectedones: drowningxlessons: I literally heard the sentence in my head and it’s proof positive that this has ev...