this blog is my life

Americanophile Filipina.I am now dedicating this blog to Jane Foster, her love for the cosmos and her love for Thor Odinson. Of course I post other stuff here as well.

[bestoffosterson]

Thor trying to be seductive with Jane is one of my favs.

[dappermouth]

Hi, hello! Here’s a fresh set of hi-res phone wallpapers from some of my recent illustrations — as always, they’re free for personal use ♡

[itscolossal]

NASA’s Webb Space Telescope Reveals Astounding, Unprecedented Views of the Universe

[thorfosterlove]

I still can’t believe we are getting MAJOR Thor and Jane content again 😭 after thinking we’d never see them (or Jane) after TDW 😭😭😭

It’s like I’m being my teenage self again editing and making fosterson posts!

I love you Taika! To my fellow fosterson stans, it’s about time we make noise here on tumblr again!

[dfellow69]

Love and thunder ❤⚡

[toastbutteregg]

what about deleting all photos related to school work after a semester ends??!?!?!

[thorfosterlove]

Thor and Jane from 2011-2022 😍

[a-courtofdreams]

The looks. The longing. THE PINKY TOUCH.

Taika really said “superhero romance movie” and I am HERE FOR IT

[thevalkyriee]

multiverse of madness spoilers.

"i love you. i love you in every universe."

[totallycorrectclintasha]

Clint: I bet I can fit my whole world in my hands

Natasha: That’s physically impossible

Clint, cupping Natasha’s face: Are you sure?

Natasha:

Natasha, voice cracking: I have a reputation to uphold

[obihoekenobi]

NATALIE PORTMAN AS JANE IN THOR: LOVE AND THUNDER (2022)

[marvelgifs]

Marvel Studios’ Thor: Love and Thunder | Official Teaser

[cillianmurphy]

CHRIS HEMSWORTH AND NATALIE PORTMAN (AND MJÖLNIR) IN THOR: LOVE AND THUNDER (2022)

[thewintersoldier]

SPIDER-MAN: NO WAY HOME (2021) - dir. Jon Watts

[theavengers]

Let’s kill him properly this time.

[catchymemes]

[the-headless-vulcan]

Capitalism will put the bill on your grave and harass your grieving family until they pay

[theludicrousrival]

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.

[lawful-evil-novelist]

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

Who is responsible for paying off the debts of your deceased relatives?

Here’s a link to the detail on that one.

[eudoxiav]

Banks count on people not knowing that last comment so that they can still get money

[niniblack]

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.

[nephrastar]

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.

[thefingerfuckingfemalefury]

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

[jadelyn]

Never, ever, EVER pay so much as a single cent on a debt owed by someone who’s passed away. You make even a single payment and that’s considered you accepting responsibility for the debt, and they can then legally expect you to repay the whole thing.

They’re like vampires - they can’t collect unless you let them in. Don’t invite them in.

[robotsandfrippary]

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN.

and DON’T consolidate your student loans with your significant other!  if something happens to them you are legally on the hook for that money!

[how-about-a-nice-game-of-chess]

Do not ever pay off debts that aren’t your own! The caveat to this, which often gets omitted (because for most people who it doesn’t apply), is that if your deceased relative has a positive net worth, and is leaving money/property for someone to inherit, their debts DO get taken out of that. So in that case you should still NEVER EVER pay their debts out of your own pocket, but the executor of the estate will have to pay them out of the estate. (But you still do not have to pay debts incurred due identity theft, obviously; and once you formally notify creditors of the deceased’s passing, you should not be on the hook for any charges after that either.)

[cannibalcaprine-deactivated2024]

sweet mother of Christ, make sure you have a will

[the-davest-of-uncles]

Important stuff.

[beameized]

Also applicable in the Philippines, my dudes.

People asking you to pay for your family’s debts are assholes. The most they can go after is your deceased family’s estate (pamana). They cannot go after your own money or property. However, if you do pay them, you can’t take it back so don’t do it at all.

[akasanata]

Here in Colombia, credit card debts get cancelled upon death, but not all debts are like that, some you inherit, like a house or car, so if you don’t pay they get the house or car.

[assassinationtipsforladies]

In the UK debts belong to the estate, but funeral costs and outstanding taxes get taken off the estate first. Next of Kin are never on the hook. It will make things easier if you report the death to all financial institutions as soon as possible. They should stop all billing immediately on receipt of the report. Most banks and such have a standard form you can submit online since covid times, usually you’ll need to attach the death certificate so have a scan ready.

[juniperjosephine]

*US only* Most of the time credit card debt or other unsecured loans are not collectible after death. If someone dies without enough assets to go through probate (the amount of which varies from state to state), the bank would have a hell of a time trying to collect that debt, and it’s usually not monetarily worth it. That doesn’t mean they won’t try, especially if it’s a larger debt! But there’s not much they can do to force you.

If someone DOES have enough assets for their estate to be probatable, there are a few ways to bypass a lot of that. Payable on death beneficiaries, living trusts, transferring deeds prior to death when it is expected, etc. Most of the time unsecured debt is a gamble the bank took (which is why it’s harder to get) and they’re stuck with it in death. But if the decedent had assets and they go through probate, the bank can move to have the debt paid from the estate. Which is where it comes in useful to have utilized your options to bypass probate altogether. 😇

HOWEVER, with secured debt (car loans and mortgages), they can and absolutely will repossess if that bill isn’t paid. So definitely pay that! If Grandpa took out a loan on the house before passing, Grandma (or any other co-owners not on the loan) will have had to sign documents to the effect of understanding that risk. Most of the time the bank will want the surviving owner(s) to refinance the loan into their own name, but also most of the time, if the bill is being paid they’re generally not going to kick up much of a fuss. If the mortgage or car payment can no longer be afforded, better to sell the property before you’re too far underwater.

I do recommend trying to work with small local banks and credit unions (especially credit unions!) when possible. They might be a little pickier about their standards for lending, but they’ll also be much more flexible about these things. The one I work for so very much does NOT want to foreclose or repossess they’ve only done it a handful of times in the last ten years, and one of those was a voluntary surrender following the owner’s death. It’s a huge hassle, and very expensive! We’d really rather not! So we’ll find a way to work with people.

Check out your state’s laws. If you have assets to protect, do what you can to protect them. Investigate wills vs trusts. Life interests. Payable on death beneficiaries. If you own your home free and clear, in many states you can transfer the deed to your children (or other family) while retaining the right to live there until your death with minimal cost.

It pays to plan for death. And it pays to plan for disability! Get yourself set up with a conditional power of attorney and advance directive so you have the right people helping you if you ever become unable to manage your own affairs.

Prior planning pays!

[x3m4cdashr]

promotional art for the film Thor: Love and Thunder offers the best look at the new costumes of Chris Hemsworth and Natalie Portman will wear.

Thor, wielding Stormbreaker after the destruction of Mjolnir in Thor: Ragnarok, has a new color scheme.

Jane is holding Mjolnir covered in cracks. This could mean that she will wield a reforged version of the hammer that Hela broke in Ragnarok. Jane’s costume is pulled straight from the comics.