Fw: Lending A Helping Hand

Nightcap for December 14th, 2018   APERITIF:   "As you grow older, you will discover that you have two hands, one for helping yourself, the other for helping others." - Audrey Hepburn     You Might Like   Colorado Wants You Drunk and High   Every state in the U.S. has its own set of liquor laws, and most make absolutely no f***ing sense at all. In many states, you can't buy alcohol until 12 pm on Sundays. In places like Washington D.C., you can't sell liquor in the same establishment as you can beer - AND liquor stores stay open way later than their beer/wine sister stores. In Utah, bars and restaurants can't run discounts or happy hours on alcoholic beverages and one drink can't contain more alcohol than the allocated standard portion. (So, you can forget about ordering a martini if you're visiting the Mormon state). In Florida, '40s like Old English can't be sold because they are considered weapons (yes, really), and there are even some areas of the U.S. that are still "dry counties." Up until recently, Colorado could only sell 3.2 beer in grocery stores and gas stations. For reference, in most states, crappy go-to beer like Bud Light and Coors contain roughly 5.2% alcohol by weight, so you would need two Colorado 7-11 beers to get the same buzz as one Oregon grocery store beer. Well, all that's about to change for Colorado residents because a state law was just passed allowing "real" beer to be sold at local shops. Now, you can enjoy a "grown-up" alcoholic beverages while smoking a spliff - just like George Washington would have wanted. Here are the details. Paying It Forward   Have you ever had medical, credit card, school, or any other kind of financial debt and ended up having to defer to a debt program to pay off those bills? Or perhaps current debt you have accrued is now suddenly being collected by a third party? You may wonder how and why that happens and the answer is mind-numbingly simple and anger-inducing, so hold on to your seats kids, because it's going to get pretty infuriating. If you have bills that haven't been paid off after a certain amount of time, eventually, an outside company will come in and offer to pay off your debt for a fraction of what it actually costs. So, if you have $20,000 of hospital bills, a collections agency will come in and offer that hospital maybe $3,000 and the hospital will take it, knowing they will probably never get the full amount owed to them by the patient. That collection company will then turn around and offer you (the patient) a payment plan for the original $20,000 and most people just accept this because that's what they owed in the first place. Thus, the hospitals reap some of what they were indebted, the collection agency ideally makes a $17,000 profit, and you pay the same amount regardless. It's a scam and a damn good one. Little do people know that, if you talk to the hospital before your debt is paid by the third party, most hospitals will negotiate a deal with you. Hospitals know they are going to take a loss anyway, so negotiations are almost always on the table. Knowing this, two women started a non-profit organization in which they raised enough money to pay off over 1.5 million dollars of strangers' medical debts for nickels on the dime. This is their story     Amy Schumer's Advice on How to Not Give A Crap   Not giving a shit is truly an art, and Amy Schumer has it down to a science. Here are her 5 tips for how it's done           This email was sent by: The Night Cap, 6890 E. Sunrise Dr. Ste 120-137 Tucson, AZ 85750