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Idiocracy...No Longer Fiction

Posted by $ Abaco 4 months, 3 weeks ago to Culture
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So, I inherited a pile of dough when my dad passed last year. Now the bank won't give me the 1099-INT for my taxes because "that's private information". I pointed out that they already gave me the money (and he's dead). Doesn't matter. Nope...private information.

Then, we're doing power of attorney for my mother-in-law. We have everything the POA requires but one of her banks has a teller chief who said the letters from two doctors diagnosing dementia need to be notarized. Doesn't say that anywhere. Then, she says, "She needs to be able to identify all of her accounts without you coaching her. And, she needs to be incoherent." I point out that both things can't occur at the same time and the POA doesn't say anything like that. Blank stare from the lady at the bank. So, I've got to schedule a meeting with the bank management to get it taken care of. I used to be insulted when people treated me like a criminal even though I've never even had a speeding ticket. Not anymore. I expect it. It is as though the mindset is weaved into our culture. "I'm gonna make up some rules to stymie you because I want to."

I honestly think people are getting more and more stupid in America. People can't do the most basic things. Can't reason their way out of a wet paper bag. What in the hell happened? My gawd...They're all just a bunch of fat livestock, ready for the slaughterhouse...


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    Posted by jwjones 4 months, 3 weeks ago
    "As the 21st century began, human evolution was at a turning point. Natural selection, the process by which the strongest, the smartest, the fastest, reproduced in greater numbers than the rest, a process which had once favored the noblest traits of man, now began to favor different traits. Most science fiction of the day predicted a future that was more civilized and more intelligent. But as time went on, things seemed to be heading in the opposite direction. A dumbing down. How did this happen? Evolution does not necessarily reward intelligence. With no natural predators to thin the herd, it began to simply reward those who reproduced the most, and left the intelligent to become an endangered species." ~Idiocracy
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  • Posted by DrZarkov99 4 months, 3 weeks ago
    I agree with you on the stupid. I'm getting prepared for a fight with the IRS. I filed our income tax returns for 2019 in December of that year, and my wife signed the return. She passed away in April of 2020.

    When the government decided to give taxpayers a break and let the date for filing slide to July of 2020, apparently the IRS employees decided not to start processing any returns until after July. Anyway, in October I get a letter from the IRS saying they're mystified that I filed a joint return when my wife was dead. I responded, explaining to them that she passed away in 2020, which meant she was alive in 2019. I got no response to that letter, and got another one a month later, of a different form, with no rational way to indicate what I had told them earlier, and directing me not to respond in any way but to fill out the form. I sent them her death certificate. I've gotten no response from them, nor have I received the refund for 2019 I was due.

    Under IRS rules, I can still file a joint return for 2020, as I'm a qualified widower. However, I'm betting that because someone couldn't comprehend their own rules last year, that I will eventually face charges of tax evasion. The only positive outcome there is that I will eventually get to talk to a live human being, and am prepared to do that with a lawyer in tow.
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    • Posted by chad 4 months, 3 weeks ago
      I've had several conflicts with the IRS during my lifetime and each time they were wrong and each time I paid fines and penalties to get them to drop the problem. Once fought them for 15 years over a problem they finally admitted that they "might" be wrong and dropped it. Don't trust them, their motivation is to prove themselves right no matter how wrong they are.
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      • Posted by $ gharkness 4 months, 3 weeks ago
        That's because they are charged with EARNING their own salaries in taxes, fines and interest. If they can't do that, they are relegated to a very un-fun and un-interesting assignment. So no, they don't want to reduce anything.....
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    • Posted by $ 4 months, 3 weeks ago
      Oh man... I feel your pain. From what I've heard of audits like what you're facing the chances are good that you'll have a good outcome. And, it's wise to include the lawyer. What a pain in the ass, though.
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  • Posted by Arthgallo 4 months, 3 weeks ago
    When my Mom passed, I went to the DMV with all required paperwork, POA, cert, to transfer title to my son. First question the DMV lady had was “where is your Mom”? I was like “spiritually or physically”? Idiocracy has been alive and well for awhile.
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  • Posted by $ 4 months, 3 weeks ago
    In meeting with the credit union management today on my mother-in-law's power of attorney I realized that even with a power of attorney there is a high likelihood that banks will try to just steal the money when somebody passes. They all lay their additional requirements over the trust for the deceased and if you don't get that in line before death you're screwed. But, this is why we have lawyers...
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  • Posted by $ kbillado 4 months, 3 weeks ago
    Boy that sounds familiar, Last June my mother in law passed away and she had a savings account in a local bank. Well when my wife and my brother in law tried to close the account, the bank told them that they needed to have a signature from my father in law who has been dead for 6 years. It was really difficult for the bank to understand that he could not sign anything. I would not be surprised if my mother in law cast a vote in the election even though she died in June.
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  • Posted by $ Thoritsu 4 months, 3 weeks ago
    Ready for the Chinese slaughterhouse, and it is coming. Pelosi, Schumer, Sergey Brin, Bill Gates, and Jeff Bezos are lining up to watch from the balcony.

    Regarding the information, A POA should be adequate for any information you want. I would get an attorney (I get these for free from in-laws) instructing the bank to comply, or be met with a court order and civil charges.

    It is annoying the world has come to this, but refreshing to squash it when it does. I had a related issue with a propane provider, and a letter like this promoted immediate action.

    free actually means I fix their computers, plumbing, house and sometimes cars.
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  • Posted by $ gharkness 4 months, 3 weeks ago
    "So, I've got to schedule a meeting with the bank management " - Perhaps you would be better served to schedule your NEXT meeting with a lawyer.....

    Kind of curious who they DID give the 1099-INT to....they had to give it to somebody. When my ex died, my son asked me to do his taxes for the year he died and the next year, after all was settled. He didn't have any trouble getting the documents he needed to pass on to me. Not sure whether he had a POA or something else, or if the bank was just a little less stupid. I mean, we're talking Chase, not y our local mom-and-pop banking shop. I figured all major banks had enough sense to at least do that. Looks like I was wrong, though.
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  • Posted by teri-amborn 4 months, 3 weeks ago
    That's why everything I own is held in trust and/or the trust is the inheritor.
    For the small stuff I have POD to my preferred individual at each bank.

    People can't think...so you must prepare.
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  • Posted by CanyonMan1 4 months, 3 weeks ago
    My opinion? Well, TWO generations of dumbed-down people. I agree with you. "Common sense is NOT very common any more!" Thank parents who want to be their kid's 'friends' instead of parenting. Schools with their indoctrination in left-leaning thinking. NO critical-thinking skills taught anymore ANYWHERE. And yes, I agree that SO many people ARE 'fat livestock ready for the slaughterhouse.' Sad but true!
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    • Posted by mbondaru 4 months, 3 weeks ago
      California Polytechnic University in SLO has an entire office of Masculinity, I mean how many more signals do we need to see we are already deep in what Rand described
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      • Posted by $ 4 months, 3 weeks ago
        Yep...I'm an alum from SLO. Just saw the video describing the "Men and Masculinities" group. Honestly...I still don't know what it is. Since when do people have time to sit around and discuss this stuff? Why's it so important? I'm stumped...
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  • Posted by CaptainKirk 4 months, 3 weeks ago
    Sorry for your loss.

    And I encourage everyone to have TOD forms filled out as well, with the banks (Transfer on Death) to make sure your banks don't lock up your money!

    Reminder: Failure to deposit or withdraw money for X years, can result in the bank TAKING your money as an inactive account (Just like the Nazi's did to the Jews they killed).

    SOAPBOX: "Why We Get Sick" by Dr. Ben Bikman, ties excessive INSULIN to the vast majority of your lifestyle diseases (T2D, Dementia, Heart, Blindness, Amputations).
    Fix your diets, do a Kraft OGTT (the 4hr challenge with INSULIN). It detects T2D a decade or more before your symptoms. This alone can save you from Macular Degeneration!
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  • Posted by $ erntheburn 4 months, 3 weeks ago
    It all follows the Pareto Principle. 20% of the people out there are carrying the weight for the remaining 80%. Basically these 80% are dead weight, who's job is to contribute nothing except a homeotic affect increasing the strength and capability of the 20%. So, they are a necessary evil.
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  • Posted by Turfprint 4 months, 3 weeks ago
    I have been having the negative intelligence trend debate with my cousin for 50 years. But world-wide not just USA. In our opinion, people had the same or superior intelligence just not the tools. With each generation of tools people could expand potential, including new tools to expand potential.
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  • Posted by 25n56il4 4 months, 3 weeks ago
    What state do you live in? When my sister became too ill to handle anything, I applied for and received permission to be her Guardian and Fiduciary. The judge saw her picture and laughed saying we had to be sisters, we were almost identical.
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    • Posted by 25n56il4 4 months, 3 weeks ago
      I set up her bank accounts, transferred her SS and DIC to the account and did everything for her until she died. I even declined a needless surgery that wouldn't have done a thing to help her in any way.
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  • Posted by rhfinle 4 months, 2 weeks ago
    Abaco, Sorry about your Dad and sorry this is a week late; we've been out of town (Taking care of my father-in-law's estate...). If you have Power of Attorney for someone it goes away the moment they die, but you can get a lawyer to set you (or someone) up as his Personal Representative, in which case I believe you should have full access rights to his documents.
    My wife had to do this for her father, and I did the same when my Dad died 5 years ago.
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