• LAVA Moderator: Shinji Ikari

what if you were about to die?

Originally Posted by wesmedow
and why shoot dope, theres WAY better drugs you could get if you just asked for em. *cough * dilaudid* cough* fentanyl * cough * pharmacutacle grade diacetylmorphine...

Jesus Christ, I can't believe I forgot about my long, lost love: dilaudid. Fuck heroin, I don't even need to try it.

Originally Posted by QuestionEverything
I think you guys have a very optimistic view of what it would be like to die from cancer. It would be nice if it could be so fun, but it's not realistic.

Yeah this is true, I watched a close family friend waste away from cancer - he turned into a stick figure. I really don't think pain killers helped him much either, as what we would consider recreational doses were eventually what he needed to even be able to move his head. :(

Not good times...
 
QuestionEverything said:
I think you guys have a very optimistic view of what it would be like to die from cancer. It would be nice if it could be so fun, but it's not realistic.;)
i think it depends on the individual to say what is a realistic reaction. i mean look at that article that Silly Alien posted, that guy acted just like I said I would act, exept he had to find out he realy didnt have cancer, which is fucked up beyond belief.

i relize twards the end you get rel sick and would not be cappable of doing crazy things and living the high life.

but im speaking specifically about the about this fellow i work with. he is still in decent condition i mean he comes to work every day, and it probly wont last long. if hes only got 3 months he will probly be bed ridden in 45 days and live out his last 45 days in bed , in and out of the hospital sleeping and trowing up in the company of his loved ones right?

so if you know you got about 1 moth of decent health left and about 2 months of dying in agony why not hop on a plane, go to vagas, fuck the hottest top notch hookers every night, snorthing the best coke of of there pussies, shooting H and living out your last healthy month rolling on E while travelling the world, untill you get to sick, where you enevitably have to return home to lie in bed with your family by your side for the last 40 days of you life.

I KNOW THATS WHAT I WOULD DO.
BUT EVERYONE IS different.
it would just suck if the doctors are wrong and you live for another year. lol
 
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"so if you know you got about 1 moth of decent health left and about 2 months of dying in agony why not hop on a plane, go to vagas, fuck the hottest top notch hookers every night, snorthing the best coke of of there pussies, shooting H and living out your last healthy month rolling on E while travelling the world, untill you get to sick, where you enevitably have to return home to lie in bed with your family by your side for the last 40 days of you life."

but then imagine having to deal with your imminent death on that massive comedown. Id freak.
 
captainballs said:
Originally Posted by Doooofus
Just remember that your family will have to make the repayments for all these loans you're taking out.

Is this true?

Inheriting Debts
by Gary Foreman

My children's real father is an alcoholic. He has some very old medical bills that he has only been paying like $10 a month - just to keep them off his back. If he dies are the children responsible for the leftover? He doesn't have any assets and doesn't even have insurance to pay for his funeral. He is in very bad health and my daughter has taken over his checkbook and pays his bills out of his disability check. She asked me and I told her that I didn't think they would be responsible but I would try to find out.

Margaret B.


Someone once said that you should try to spend your last dollar the minute before you die. Although it's an interesting idea, I'm not sure that it makes for a good financial plan! For most of us the best plan is one that provides enough money for our life and leaves something to our children as a legacy.

Unfortunately, there are some who are not able to reach that goal. Sometimes through misfortune and other times through decisions that didn't work out. It would appear that Margaret's ex was one of those people.

The good news for Margaret's children is that you cannot 'inherit' a debt unless you were a party to it prior to the debtor's death. You must accept responsibility for a debt.

Here's a simplified version of what happens. When a person dies someone is assigned to handle their estate. Usually that person is mentioned as the 'executor' or 'personal representative' in the will. If none is designated the state will assign someone.

The estate is used to close out all financial transactions of the dearly departed. First, all final bills are paid. If there are any assets left after that, then the remaining assets are divided according to a will, trust or state law. Be sure to check for life insurance policies. People often have policies that they bought decades ago that are still valid.

If the debts are greater than the assets, then the assets are sold and used to pay as many debts as possible. Secured debts (i.e. mortgage or car payments) come first. Unsecured debts (i.e. credit cards) after. Old medical bills would be unsecured. Any debts that are left after the money runs out would not be repaid and the creditor takes the loss.

Sometimes people try to give away their assets before dying in an attempt to avoid leaving the money to pay debts. Creditors have the right to try to reverse those gifts even after death.

Although Margaret's children are probably in the clear, they need to make sure that they don't accept responsibility unintentionally. That can happen in a number of ways.

If you put money into a joint account the money is available for either joint member. A common situation is where an elderly parent adds an adult child to their checking account to allow them to write checks to pay bills for the parent. Any money that either of them has put into the account can be used to pay the bills of parent or child.

Joint credit cards are another potential danger. As far as the credit card company is concerned they can collect the entire account from either person on the account.

So if Margaret's daughter has a joint credit card with her Dad she will be responsible for any balance after he dies. Even if she never used the card. And, if she doesn't make timely payments her credit rating will be effected.

You don't need a joint account to be allowed to write checks or make credit card purchases. A signed request by Dad will get check writing authorization or a second credit card.

If there's currently a joint credit card she should try to get it closed as soon as possible. If the account has a balance, try to transfer it to a new account in only Dad's name.

Margaret's daughter also needs to be careful on how they pay her father's bills. She should not write checks from her account. It's unlikely, but there's no sense giving anyone the idea that she's accepting responsibility for his debts. If she wants to help him financially, she should write a check to him and deposit it into his account.

It's probably a good thing for all of us that parents can't put their children in debt. A lot of us who survive raising teenagers wouldn't be opposed to a little 'post-mortem payback' for those troublesome years!



~ Gary Foreman is a former financial planner who currently edits The Dollar Stretcher newsletters and website TheDollarStretcher.com You'll find thousands of ways to stretch your day and your dollar
 
From article
If you put money into a joint account the money is available for either joint member. A common situation is where an elderly parent adds an adult child to their checking account to allow them to write checks to pay bills for the parent. Any money that either of them has put into the account can be used to pay the bills of parent or child.

My dad put me as a joint account holder of one of his accounts. I want him to take me off, because even though I don't use or deposit money in this account, I'm still scared that his various debts could sneak up on me somehow if he dies. Also, I am an authorized user on his cell phone account even though I don't pay my own bill. Just wondering if this can sneak up on me as well.
 
wesmdow said:
i plan to die with dignitiy, in a blaze of opioid glory.

...o and my point with that story was to show that i do ineed have some experience with death and dying.


:( You weren't kidding us. RIP.
 
^ what does tha mean??!!??

do yo know wesmdow? did he die?

im confused, this is one of my OLD threads.
 
yeah he passed away yesterday. :(:(:( rip p

iamthought, regarding your original post. if the cancer patient is going through chemo then it's a clear indication that there is some semblance of hope.
i know through friends and family that chemo is not someone one does lightly.
 
yeah, and take into account that when you're trying to picture what you'd do in that situation, you're picturing it with a somewhat healthy state of mind. not one that is dealing with denial, as others have mentioned, or fear of leaving before loose ends are tied up, making peace with those that are important to you, or the overwhelming depression of what will be lost and fear of what will come. doesn't really sound like much of a party scenario to me :(
 
Prolly echoed by previous posters but had to skiv.

Routine in life is well-connected to recovery. Even though it's not innately joyous it is certainly centering to have a rhythm to your day.
 
Here's the problem with knowing you're dying...

If it's a diagnosed terminal illness it's usually a slow, painful, debilitating death. As much as we'd all love to burn through the last few months or weeks of life like hell on wheels, spitting bullets, and shitting lightning, it's not always possible.

Chemo is extremely hard on the body, some are too tired to get out of bed, or can hardly keep food down. In the end we all face death alone, even if we're surrounded with friends and family. It takes time to rationalize what's happening and to come to grips with your own mortality, never mind the physical limitations of a slow death. I've seen people die before, it isn't fun, the most vibrant fun loving people are slowly reduced to shells of their former selves, like a a grey paper husk wrapped around a skeleton. In the final days they're often too doped up to maintain lucidity, let alone understand what's going on.

I'd love to go out in a blaze of glory, but I have a feeling that I, like most of you will die a slow death in a hospital bed, staring into the black void before the lights go out, the sheet comes up, and the bowels void.

(makes it sound kind of depressing don't it?)
 
RIP wesmdow :(

Honestly I have no idea how I would react if I was told that I only had 3 months to live. I'd like to say that I'd do a bunch of traveling and live my life to the fullest, but that costs money and I already have enough debt to leave my family with if I were to go. I'd probably try to put some kind of balance out there and accumulate as little extra debt as possible while still doing at least some of the things I want to do before it's time.
 
for the last bed-ridden days of my death i would want to go out like Huxley and have LSD shot into my arms at very high doses.
 
if i knew i was gonna die, i'd go on a massive MDMA binge. u would be feelin great and wuoldnt have to worry about feelin shitty and depressed afterwards
 
IV Heroin and then keep myself occupied with the true joys in life. Depends on how soon obviously.

I would try to ensure I have a son, even if that son grows up without his real dad. Only if I could find someone to take care of him. Failing that, sperm bank I guess. Daughter would be fine too, I suppose I'm just subliminally sexist in that regard :P.

Not that I don't think women should have equal rights etc...

Oh and get one hell of a life insurance policy, as if I could.
 
wesmdow said:
my grandma is dring of cancer right now, and shes TOTALLY SHOCKED that at 90 years old, somethin gave out.

after seeing her lost her dignity competely and revert back into a guilt-tripping child, id like to think that yes, there is a comfortable (to say the LEAST) way to go, if you allow it.

she of course refuses all medications and then BITCHES about the pain SO SO MUCH. but thats because no ones ever there to support her--my dad has taken 2 years worth of sick leave in the last 3 weeks in order to spend time with his mom and get bitched at for 'letting this happen to her.'

i plan to die with dignitiy, in a blaze of opioid glory.

...o and my point with that story was to show that i do ineed have some experience with death and dying.

The irony of this post is worth reconsidering. Unfortunately the dignity that Pierre imagined for his was simply that; it is the searing pain, humiliation and loss of dignity that I, his father, must in reality forever endure.

It is a lot to ask, but do think of others if you can.
 
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