Haphazard Webs @spydre - Tumblr Blog

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About Me

I'm basically a grumpy old man who believes that everyone deserves to be happy.

If any part of your philosophy is based upon hate, then you can fuck right off.

That being said, if my very first interaction consists of someone asking for stuff, I will block & report spam.

Most of my original work can be found on my blog.

I volunteer at Librivox, my projects are here.

I've gone pro! I now have an Audible page!

Stuff that's only on Tumblr so far:

Voice work (I'm keeping copies on my YouTube channel now)

Apocalypse Daycare

The Mimic

Forgotten Gods: Allie

Writing:

My addition to the Todd & Anette saga

(the most recent version of the saga that I know of)

(the OP's storyline)

Exceptions

My late wife was ten times the writer that I am; her collected works can be purchased here.

I'll add to this as I think of stuff.

#about me #original work

rottencore

This post keeps making me cry laughingg

epoxyconfetti

They had it coming...

allthingswhumpyandangsty

Reblog if you love “—” and have never used ChatGPT

animentality

bumblebeerror

Credit card companies will TRY to saddle you with this kind of debt by the way - if ever a loved one dies and you are not co-signed on their credit card, do NOT agree to pay their debt unless you ask a lawyer first if you truly have to.

They will say “don’t you want them to go to the grave without debt”, they will try to guilt you, they will take advantage of your vulnerability.

Source: when my father died, he had some credit cards that my mom wasn’t on that she had no access to. The companies contacted her while she was sorting through the bills and getting a handle on how to run the house alone, badgering her with his credit card debt.

She wasn’t liable for any of it, but if she had ever agreed to pay before finding out that she didn’t need to, she would have been considered to have taken on his debt and would have HAD to pay it. It’s slimy, it’s predatory, and it’s entirely legal for them to do this.

Never accept the credit card company’s word about your obligation to pay anyone else’s debt, if you don’t have access to the card, ask a lawyer before agreeing to anything.

whatbigotspost

YESSS!!!! THIS!!!!

Ok, I'm not an estate lawyer disclaimer blah blah locations all have different laws blah blah BUT a couple months back I started to get overly worried I will likely die still owing money some day, with a negative "net worth" whateverwhatever. I only care that my niblings could get harassed about bills of mine, and I would HATE THAT.

What I found by doing a bunch of research, talking to a family lawyer I know, and a wealth planner, is accurate to what's up thread. Those who I am a debtor w/ can/will take what they can from "my estate." They can/will try to chase down payments.

But when said estate (lol) is all gone, that's it. They can TRY to contact my niblings about bills, but basically they'll just need to be like "Auntie who????" and/or ignore it fully and not pay a cent and they can't be held responsible.

While we're on this topic, don't forget: even with credit card debts or medical bills that are yours, when you can't pay they go in collections, the collections company is very very likely to settle w/ you for pennies on the dollar. I once paid $500 for a hospital bill that originally came to me over $6k.

queenofthedorks

Can I just add—know your state’s laws on how long someone has to collect on a debt. In Nebraska it’s 5 years for most things. This is true for dealing with an estate and your own personal debt.

If something is past the legally allowed time for someone to collect—do not engage. Do not even acknowledge their presence. Depending on the laws in the state, the clock can start over if you engage with the company or confirm the debt is valid.

Shady debt collection companies love to scare people into paying debt that they can’t legally be sued over. Don’t let them win.

And if you are ever in a position where you’re in collections, you just can’t pay, and they are threatening legal action?

Become a fucking nuisance and make them regret their actions.

I hit a rough financial patch several years ago and I managed to keep up on all of the bills except my credit cards. When I was finally able to sort it out the companies were not interested in working on the budget I could afford and turned them over to the same collection agency for all the cards. The agency immediately demanded full payment of the debt and refused to work with me on any kind of payment plan I could afford.

I finally stopped trying and told them to do whatever they were going to do. I couldn’t prevent the inevitable, they sued me and were eventually granted the rights to garnish my wages for one of the cards, but before that I made sure to submit every counter response and letter. I dragged this out for almost a year because I’d have 90 days to respond to something and I would respond on day 89 with a rebuttals they would then have to respond to.

The garnishment sucked, but it quickly became apparent why I was offering the payment plan I was offering. There’s a limit to how much of your income can be garnished in most states and at least in Nebraska there can’t be multiple garnishments going at a time. They got less than half of what I had offered to pay them each month because and had to pay multiple court costs.

All in all, they recovered maybe a quarter of the debt that I had defaulted on and I assume wrote me off as not worth the effort because after the initial demand to pay on the other cards I never heard from them again.

And I am now well past the limit at which I can be sued.

Don’t be embarrassed, be a problem.

blogquantumreality

To add on! If you're writing your will, it may help to explicitly state in your will that your estate alone is responsible for all debts and that no-one else is to assume any responsibility for them in any way, shape, or form. This will likely prompt your executor to make sure people know this and to stay proof against any phone calls or letters from nasty collection agencies.

josephbrassey

“Haha remember when murder-hornets were gonna be a thing? What a nothingburger.”

Yes, because the Washington state government activated like a sleeper-cell and ruthlessly, systematically hunted them down and annihilated them.

“Y2K came to nothing amirite?”

Yes because an army of software engineers working around the clock, losing sleep, and busting ass till the last minute prevented it from happening.

“Remember the hole in the ozone layer?”

You mean the one that was fixed through rigorous world wide government action?

One of the root problems of our society is a refusal or inability by media to articulate that all those “it’s gonna be an apocalypse” disasters were not disasters because we collectively did something about them.

The good news is this is actually quite correctable. I maintain my firm belief that we as humans are capable of solving almost all of our problems, when we decide to do so.

And I still think that’s going to happen. I don’t know when or how, but I do know that abandoning hope won’t help bring it about.

And I refuse to let the cynics own a chunk of my heart.

gudamor

Happy Smallpox Eradication Day

covid-safer-hotties

Ableist discrimination, pure and simple.

covid-safer-hotties

zenthisoror

25/5/2019 ~ Heads up high

Here’s to Reg Shoe.

Barricade boy became a zombie out of sheer revolutionary fervour and betrayal by the state. Buries himself each year in solidarity with the dead.

(My digital colouring leaves a lot to be desired for, but I learnt a lot doing this - and I’ve wanted to draw something for 25th May for a long time).

hannbl

chrollo-tw

me after I eliminated 21,042 people

cantotallyeven

Chihuahuas Georg

sweaterkittensahoy

While not factually true, absolutely the hope of every fucking Chihuahua if you look at their person wrong.

myfavoritedemons

Started using the phrase “that’s cilantro to me” to refer to the presence of a story element that completely ruins a piece of media for me, disproportionate to its actual badness.

waterloggedangel-deactivated202

Emotional support animal but I just bite you a lot and sleep on top of you like a weighted blanket

spydre

So, just like my cat.

depsidase

thulium

beaswellgirl

yep, pretty much

parkchanwoohoo

spydre

If they're fighting for a dodecahedron, then you're reading LitRPG.

bitterkarella

Midnight Pals: Sad King

Stephen King: everyone, listen up! my boy joe is going to tell a story tonight! Joe Hill: dad you don't need to do this King: everyone!! pay attention!! King: this one's gonna be good!! King: just like all his other stories Hill: dad please King: i love my beautiful boy!!!

King: everyone, you're going to love this one King: ok joe go ahead Joe Hill: submitted for the appr King: IT'S ABOUT A DRAGON Hill: dad! King: i'm sorry joe i couldn't help it King: i'm just so excited King: my boy joe wrote about a dragon Poe: hm i gathered

King: you're all gonna really like it King: it's a sprawling, multi-decade epic, a real moby dick of horror King: it's like joe hill's It King: except instead of a clown, it's got a dragon!! Hill: i wouldn't describe it like that King: it's exactly like that

Joe Hill: submitted for the approval of the midnight society, i call this the tale of king sorrow Hill: it's about a group of friends who use a grimoire to make a faustian pact with a dragon Hill: as you do

Hill: so for this story we're going back Hill: back to the 90s Hill: when our hero isn't busy wearing flannel and listening to grunge rock and receiving AOL CDs in the mail, he's summoning dragons

Hill: so they summon this evil dragon Hill: from the fiery depths of the hell dimension Hill: and this eternally evil demon monster from beyond infinity looks at them and says Hill: COR BLIMEY GOVNA BIT O A STICKY WICKIT INNIT Hill: NIMMY UP THE WICKERSHAMS BOBS A DONUT RIGHTO

Hill: anyway this story deals with a major moral dilemma that i'm sure all of us have struggled with at some point Hill: is it ok to make a contract with an eldritch dragon from another dimension to do murders? King: boy King: we've all been there! King: am i right, guys? Poe: what

Hill: in a broader sense tho Hill: the real question is Hill: is it morally justified to murder evil people? Mary Shelley: yeah Hill: well wait just a second mary you haven't heard all the caveats yet Shelley: i said what i said

Hill: mary, stop it! you're not supposed to answer it Hill: it's a gedank experiment Hill: you know, like Hill: it's supposed to make you think Shelley: yeah i thought Hill: no! Hill: no not like that!

Shelley: do i get to kill the people myself Hill: no you just name them and then the dragon does the actual killing Shelley: fffffft Shelley: what's the fun in that Lafcadio Hearn: oo! it's like death note! Shelley: shut the fuck up nerd

Hill: guys be serious Hill: what if you had the power to murder, like, really evil people? Hill: it would still be murder Hill: would you want that on your conscience? King: hm really makes you think! Hill: exactly Barker: yeah makes you think about who you would murder Hill: no!

King: joe is right, it's a real moral dilemma King: i mean, i don't know if i could sanction murder King: even if it was the worst, most irritating, most annoying person in the world Barker: you sound like you have a name in mind, steve King: what? no no of course not King:

Elon Musk: [rising from bushes] eyyyyy stephano king! King: King: [sweats]

statisticalcats2

There are gonna be people who won't like hearing this but if you want to live in a world where mixed marriages, families, and adoptions (particularly POC adopting outside their "race") aren't maligned and discriminated against, then you have got to get more chill about seeing someone partaking in something cultural that you don't think fits the "race" you perceive them as.

statisticalcats2

It's a vague memory now, it was a vague memory even at the time I made this post, but I think what sparked this was remembering stupid comments I saw about a Chinese-American cookbook that were complaining about it being written by a white woman and then I looked the white woman up and the briefest research showed she was adopted as a child into a Chinese-American family and just....

*pinches nose*

Fellas, is it cultural appropriation to inherit your family's culture but you don't pass the blood quantum test?

All of you are literally just racist. You've come full-circle. You're working under the belief that people are supposed to "keep to their own kind" and that means the socially invented concept of "race", and "race mixing" of any sort is unnatural.