So, here is part 2 of my entitled employee story. We left off with discovering Sally’s retaliation of giving me trash as a Christmas gift after her latest write-up.
So, the next several weeks, I am noticing more problems, but here’s some of the highlights.

1. Ever since we had issues of the office’s checks going randomly missing, Sally had apparently decided to just stop throwing any envelope away when opening the mail. She would supposedly search the envelopes/paperwork & then keep the envelopes with the paperwork. So, instead of doing her job better, she would decide to just stop doing the job at all. After all, you can’t get in trouble for screwing it up if you aren’t doing it, right? However, this resulted in items getting left with the paperwork (which sometimes wouldn’t get touched for several weeks due to being busy) that had needed to be collected or addressed right away.
   
2. Sally’s careless mistakes continued at about the same rate (average of 2 to 3 a week). She would put deposit slips/emails with the wrong office’s report, put one office’s mail in another office’s bin, put one office’s funding papers in another office’s bin, put one office’s bills in the folder for their correspondence & vice versa, put one office’s bills in the folder for another office’s bills, put the new month’s bills in the folder without taking out the old month’s bills so they would get mixed up. I could go on & on.
   
3. Sally would still ask for help on things she shouldn’t need help on anymore, ‘cause I had helped her many times on items exactly like it in the 2 years she’s worked here. I mean, the whole point of asking for help when learning new things on a job is so you can take the input you’re given & use it to get better at the job so you don’t have to ask for help anymore. I mean, what kind of office works by their employees constantly needing to be walked through everything every day? Sally would even ask for help on things no one would need to ask for help on. For example, she asked me, “An office took a deposit to the bank without showing it on their report. How do I write that up in the letter to fax to them?” Um, exactly what you just said to me. Or another time, she asks how long she should wait before calling an office back. Well, how long do you think you should give them? Just use your good judgment. You don’t need help with that! Again, you’ve been here 2 years!
   

On Jan 26, I take the Dec bills, correspondence faxes, & timesheets out of their folders to scan them into the computer. Now, one thing the bills should always have on them are the check number used to pay for this purchase & the date it was paid. The offices themselves are supposed to write this on there, but they don’t always, which is why it is our job to write it on there if it’s missing. I had noticed when I scanned Nov’s bills around Nov 30 that a lot of Sally’s offices don’t have that info written on them. So, I explained to her what needed to be written on every bill/receipt. I now flip through the Dec & Jan bills of her offices really quick to check them. There are quite a few of them with no info written down on them. There’s strike one for noncompliance.
Another task we would do several days a week (that’s Sally’s responsibility) is to check the bank accounts online. She is to look at the bank balances & report any low balances to Greg (or me if Greg isn’t there). She is then to look at the transactions in order to see if anything looks fraudulent. Since we are a loan company, check fraud is very common for us. So, we look at the checks for anything funny-looking, & we look to see if there are any auto debits (like when you use your bank account online to pay for a bill) that would tell us if someone got hold of our bank account info.
On Jan 30, at 1:15 p.m., I asked if any of the bank balances were low (Greg was out of town for a few days). Sally said she had forgotten to check the bank accounts that morning. Weird, ‘cause you had to check the Dallas office to make sure the money we sent them had shown up. How did you get the login sheet out to look in their bank account but then forget about checking all the bank accounts? This just further cemented in my mind that she was NOT checking these bank accounts the way she should. I was 100% positive that all she does when logging into these bank accounts is checking the balances to give to Greg but then never checks the transactions. I know this ‘cause, 1) I’ve observed Sally only logging in to write down the balances & then logging back out (she had some flimsy excuse ready when I asked her about it), 2) there have been auto debits that appeared in bank accounts that we didn’t find for weeks until I happened to see it for some reason & guess what? She never pointed those out to us, & 3) Sally hadn’t bothered to check the bank account balances since Greg was out of town, so clearly she only felt the need to check the balances. There’s strike two for noncompliance.
& even more bad mistakes or decisions:

1. At the end of Jan, we discovered that Sally had mailed the employees’ W2s to the managers’ home addresses instead of to the offices to distribute to their employees!
   
2. We had an office that moved locations to right across the street, so the only thing that changed in their address was their street number (12 Main Street instead of 11 Main Street). I explained this to Sally & gave her an updated list of the office’s addresses. 3 weeks later, we get a call from that office saying that mail we send to them keeps going to their landlord’s house. I check the address labels Sally had created for herself. Sure enough, it had the wrong address on them. I go to grab the lease, & at the top is where the tenant’s new address is listed. & all the way at the bottom of the page in the paragraph titled “RENT” where it lists where to send the rent is the landlord’s home address. & that’s the address Sally had chosen to be the new office’s address on her address labels.
   
3. Sally hadn’t been faxing the offices to ask for bills/receipts that never made it to us.
   
4. I used the last towel on a roll of paper towels, so I went to the cabinets to grab another. We were out. Sally is in charge of keeping track of supplies that need ordering, so I go to Sally & say we’re completely out of paper towels, we need to order some. Sally response: “No one ever tells me when they grab the last roll so I know when to order them.” Um, excuse me, since when is it our job to tell you to do your job? It’s your responsibility to keep track of supplies. You should be checking the level of paper towels, toilet paper, Kleenex, etc., to see when you need to order them.
   

So, I knew she needed a second warning write up for carelessness cause of the numerous mistakes since the first warning write up in the middle of Dec, & I would be giving Sally a first warning write up for negligence cause of her not asking the offices for missing bills & not writing the info on the bills I had told her to do at the end of Nov. However, it was only a few days from Feb, which was the time for performance reviews. So, rather than doing a write up now & then in a week or so doing a performance review that was one of the worst performance reviews I’ve ever heard of, I decided to just do it in one fell swoop. You know, just get it all out of the way with one bad conversation, one bad day, & then both of us can hopefully put it behind us & move on.
I decided to do the performance review & write ups on Feb 5 (Monday). It went much smoother ‘cause Greg was there, so Sally couldn’t really give me lip or lash out by showing attitude & anger like she had previously.
On Feb 7 (Wednesday), I log in to get the transactions for an office who is switching banks. I wanted to get an updated list of outstanding checks so they know how many checks are left before they can close the old bank account. & what do I see? Someone had used the bank account to pay $100 on their AT&T bill. I call the office & find out it was actually them, so no fraud there. But I then ask Sally if she had seen that when checking the bank accounts. She said she didn’t remember. Obviously, I have found my proof that she is either not checking them or isn’t paying attention when she does. I have a discussion with Greg about it, & we decide I need to have a sit down with her about her not doing her job. She is sick on Thursday, so I plan to talk with her the next day she comes in.
On Feb 9 (Friday), I begin the conversation about checking the bank accounts & how important it is. I am planning to say things like, we expect you to do this job, you’ve been told multiple times to do this task, if you’re not going to do the job, then you’re welcome to go find another one, etc. But she cuts me off at the beginning with an excuse of, “Well, I didn’t know what I should be looking for, now I know.” & it broke me. She does this exact thing every time I have to have a conversation with her. She has an excuse ready to go on the tip of her tongue, always spins it around so it’s not actually her fault. It’s always, “Well, I didn’t know that, but now, I do.” & I was just done. I didn’t continue the conversation, even though I needed to, ‘cause I just broke down in tears from the stress of having to discipline her & knowing that nothing will ever come of it, but having our hands legally tied to be able to fire her right now. I cried nonstop for over 4 hours.
On Feb 12 (Monday), I sat down to continue the conversation, this time with a written statement for her to sign.
Me: You respond a lot of the time that you don’t know how to do things, which is very frustrating, ‘cause you’ve been shown multiple times how to do these tasks. It’s very inefficient & wasteful that I have to constantly check all of your work & retrain you on the same thing over & over again. This needs to change. This job is about accuracy & accountability.
Sally: You’re not giving me a chance to improve. I never hear “Good job,” from you. All I ever hear is, “You’re doing a bad job, sign this paper.” I get in trouble every time I ask for help, so I guess I’ll just follow the instructions & hope I’m doing it right.
The problems with that response:

1. You’ve worked here for 2 years, Sally. You’ve had plenty of time to improve.
   
2. The reason you never hear “Good job” is ‘cause you’re not doing a good job. How am I supposed to tell you “Good job,” but also need to give you a write up for doing a bad job? If you’re getting multiple write ups for doing a bad job, don’t you think that’s a sign that something is wrong? I mean, she thinks that managers should be telling their employees good job on everything they do right. No, you’re expected to do these tasks. We’re not going to congratulate you every time you do your basic job requirements like some toddler that needs constant positive reinforcement so they know that doing something right is a good thing! You will hear “Good job” when you are doing a really good job on something, when you go above & beyond!! I mean, do you think Greg tells me “Good job” when I’m just doing my job as expected?!! NO!!! I’ve never had a manager constantly tell me “Good job” all the time!!!! (Whew. Sorry about that. Kinda went on a crazy rant there. I’m good now.)
   
3. Here’s another example of her mentality of “if I don’t do the job, I can’t get in trouble for doing it wrong.” She’s going to stop asking for help instead of using the help I’ve given her to do better. I mean, if you’re making these mistakes when you ARE asking for help, how many more are you going to make when you stop asking for help? How does this make any logical sense?!
   

Well, here’s another chance for some malicious compliance. She claimed she didn’t know how to check the bank accounts, right? Well, my job as the manager is to make sure my employees know how to do their job. So, I need to sit down with her & train her how to check the bank accounts. Again. Even though I know she already knows how to do it. So, every time you tell me that the reason why you didn’t do a job is ‘cause you didn’t know how to do it right, well, we’re going to sit down & waste both our times & annoy you having to be retrained on something you do, in fact, know how to do.
Sally continues making careless mistakes & not doing stuff she doesn’t think she should have to do. Like answering the phones. It’s her job to answer the phones; that’s something I as the manager should be delegating to her. However, she never answers the phone unless I literally can’t. So, I had asked her to start answering the phone more. She will wait until the last possible second before answering the phone. By that time, it’s already rung twice, so I have to answer it before it goes on any longer or they hang up. One time, we were both away from our desks when the phone rang. We both went to answer it, but she was closer & got to her desk before me, put her hand on the phone, & watched me until I got to my desk before she picked it up. With a comment of, “Oh, (laughs) I didn’t want to make you walk all the way to your desk.” Well, you did, anyway, you little jerk.
On Feb 27, Sally asks for help on a report. She says that my note stating the office is over-deposited $28 on report 1 but fixed on report 2 by being $28 under-deposited didn’t work out. She says that they were never over by $28 in the first place. I take the report to look it over. Her calculator tape adding up the deposits shows the bank is in balance, but I don’t see deposit slips.
Me: Where are the deposit slips?
Sally: I haven’t gotten them yet.
Me: (trying to comprehend her logic) Then how do you have the deposit amounts added on this tape?
Sally: I got the amounts from the report.
Me: You…(my brain trying not to implode at this point) you can’t add up amounts to see if the bank has too much or too little money in it without knowing what was actually taken to the bank. The amounts on the report don’t always equal what was taken to the bank.
I log into the bank account & discover just that: the report says they took $500 to the bank, but their deposit says $528. They were indeed $28 over-deposited. I then lecture her (for the second time in a few months) on the correct way to account for the deposits at the bank, that we are only to use the dollar amounts on the bank’s deposit receipt. (The first time was her getting the deposit amount from what was written on the deposit slip instead of what the bank gave us credit for on their printed receipt. The bank had shorted us $500, & we never knew until her deposits didn’t work out when reconciling the bank statement at the end of the month. We were missing $500 for 4 weeks! It’s a miracle we didn’t overdraw the account.)
Another task that we do several days a week is checking the CFPB website. This is a government website that uses federal regulations to monitor financial institutions. It’s like the Better Business Bureau, but more official. Customers can make complaints through them, prompting an investigation to make sure we’re following the federal guidelines. We have 2 weeks to respond to a complaint before it is past due.
On Feb 29, Greg just happens to be looking at an email inbox that he never checks, ‘cause after all, we’re checking the CFPB website, so he doesn’t have to look there, right? There is a complaint in 2 of the portals that have been in there since Jan 22. He immediately marches out & tells Sally about them.
Greg: Aren’t you checking the CFPB sites?
Sally: Yeah, I am.
Really? Then how come you didn’t print this complaint off to give to Greg in the last 6 weeks? She came back from lunch to a second warning write up given by me for negligence.
On Mar 5 (Tuesday), we are working on reconciling the bank statements so we can close the month of Feb. Sally brings me a Jan bank statement for an office.
Sally: This never cleared in Feb.
I look at the bank statement. It’s an electronic deposit of $254 on Jan 31. I remember this. She had asked me at the beginning of Feb why this deposit wasn’t recorded on the office’s report. I explained that since it didn’t show up in the bank account until the last day of Jan, they might not have known about it before the end of the month & so recorded it on the first of Feb. We will wait until the first report of Feb. If it’s still not recorded, then we’ll bring that to the office’s attention. & here she is, clearly telling me she hadn’t brought it to anyone’s attention all month long.
Me: (staring at the bank statement as I try to prevent my autistic brain from exploding at her while also trying to prevent a spontaneous stroke) You didn’t keep track of this all month?
Sally: Well, I didn’t know if it was treated differently ‘cause it was OTBP (One Time Bill Pay, which is the electronic deposit). (Oh, what a shocker, she once again didn’t know how to do something.)
Me: But we talked about this. If it wasn’t on the first of the month, we needed to address it.
Sally: Okay, well, now I know that we treat this the same as other deposits. (goes nonchalantly back to her desk like it was no big deal, like she hadn’t just revealed she had once again disobeyed my detailed instructions)
Me: (seeing her flagrant disregard for the seriousness of the situation & wondering just how on earth she could once again think that not doing her job would have no consequences) This is exactly what Greg talks about over & over, about how we can’t leave errors like this to sit for weeks & weeks, that these need to be dealt with as they happen.
Sally: (still as easy-going as if she had simply used the wrong color highlighter) Okay, I’ll make note of that.
Now, I am getting really pissed off. She keeps saying, “Oh, now I know that OTBP is treated the same as everything else.” That doesn’t matter! It doesn’t matter that you didn’t know it’s treated the same! I specifically told you to take care of it if it didn’t appear on the first of Feb! It didn’t matter what kind of deposit it was! I said to tell me if it wasn’t on the first of Feb!
Now, this was right before she leaves at 3:30, so by the time I’m finished with my text conversation with Greg (‘cause he isn’t there that afternoon), she has already left. But I’m telling Greg that I have once again caught her being negligent, & she’s already had 2 written warnings about this, which means our next step is letting her go. Not to mention, her carelessness is still continuing. He said that he supports my decision to let her go. By the way, the final decision happened an hour after she left. If I had known before she left that we were indeed going to fire her, I would have done it before she left so she didn’t have to come all the way to work in the morning just to leave again.
So, on Mar 6 (Wednesday), I arrive early to work so I can be prepared. I am standing at my desk, watching her come in. This is unusual, so she frowns as she approaches me.
Me: Sally, we need to talk.
Sally: (still frowns at me)
Me: (handing her the typed up notice) We are going to read this together. “When reconciling the month of Jan, around Feb 5, it was brought to my attention that we had a deposit that hadn’t been reconciled. I gave you instructions to wait a report to see if it works out. If not, you would need to bring it to mine & the office’s attention for further instructions. This wasn’t done. It wasn’t until Mar 5 that you brought this to my attention again. You have been told many times the importance of reconciling the financials of the office. You have been warned several times of negligence. This is another example of negligence with respect to your job. All you had to do was follow my instructions. It is for this reason that it is now time to terminate your employment.”
Sally: When did you tell me to do this?
Me: (thinking, “Um, I kinda just told you when I told you do that, but, okay.”) When you showed me the Jan bank statement—
Sally: Yesterday?!
Me: You showed me the Jan bank statement a month ago when you were reconciling Jan. I told you to wait for the first of Feb & then—
Sally: You did no such thing!
Me: Yes, I did, Sally.
Sally: When does Greg get here?
Me: Around 9, like usual.
Sally: I’m calling him, ‘cause this is ridiculous. You’ve had it out for me from the very beginning.
Me: No, I haven’t.
Sally: Yeah, you have. Just like the other 2. (sets her bags at the front door, goes outside, & calls Greg)

1. How could I have had it out for you from the very beginning when we didn’t have problems for the first year & a half you worked here? If I’d had it out for you from the beginning, you wouldn’t have had a job the past 6 months. Need I remind you what Greg told you about the timesheet thing being something we fire someone for on the spot, but that Molly had gone to bat for you & gave you a second chance? Why would I have done that if I had wanted you gone from the start?
   
2. “Just like the other 2.” She’s talking about Irene (who had left in Feb 2023) & another employee (who we’ll call Phil). Phil had been fired (by Greg, by the way) for continuing to watch movies on his phone at his desk despite being told multiple times by Greg to not do that. & Irene? She wasn’t fired. She gave her 2 weeks’ notice. & we then discovered when going through the work she’s been doing as we started taking over her tasks that she didn’t just not do jobs. She would actually forge the work so she wouldn’t have to work. “A bank imbalance of $2.65? Well, I’ll just add it to the imbalance that’s been building up for who knows how many months & just label it as an over-deposit from the end of the month. That way, I don’t have to look into why the bank isn’t balancing.” But no, I had it out for them, apparently.
   
3. Does she really think that calling Greg was gonna reverse my firing her? Does she really think I would do something as drastic as writing her up or firing her without discussing it with my supervisor first? Did she really think I would do this behind his back?
   

Apparently, she did, ‘cause Greg confirmed that Sally tried telling him about all the stuff I’ve been doing to her as if he didn’t know. She hung up on him when he explained that he’s been told everything as it happens & he supports this decision.
Sally: (storming back into the office & towards her desk) I’m not signing anything.
Me: Ok.
Sally begins packing up her desk. I had known she kept a lot of personal items at the office, so I had gotten a big box or 2 out & placed them nearby for her to use to pack up her desk.
Me: We can give you a box if you need it.
Sally: I don’t need sh** from you guys.
Me: The only thing we’ll need is your office key.
Sally: You’ll get it when you get it. I’m packing my desk.
Me: Ok.
I go back to work, keeping an eye on her as she packs to make sure she doesn’t take anything she’s not supposed to or damage any company property. Sally at some point decides to use the boxes she didn’t want from us to pack up her many items. She takes both boxes to the front door where her bags are & sets them down to put the last of her things in. She picks up one box to take outside.
Sally: You are the worst manager ever. (goes out the door)
Me: (shrug)
Sally: (comes back in for the final box) Seriously, you’re the most evil person I’ve ever met. (leaves)
Really? I rank worse than the guy that beat you up? I’m worse than him?
I continued watching her to see if she’s going to come back to give up her office key. As she packed up her car, another employee had arrived (we’ll call him Randy). He had run into her on the way in & asks me if Sally quit. I explained, no, she was let go. I then see that Sally has gotten behind the wheel of her car without coming back to give us the office key.
Me: Well, I guess we’ll just change the locks.
Randy then takes it upon himself to go out to her car. He phrased it very gently by saying he wanted to spare her having to come back in to turn the key in.
Sally: I guess Molly didn’t have the balls to do it herself. (hands the key over)
& then…she was gone. Despite having to do the entire corporate office’s work all by myself & falling steadily behind little by little, I have never been more happy. I had forgotten how much I loved my job & how much I couldn’t wait to get to work. I haven’t been this stress-free in 6 months, & it feels fantastic! & the great part is, I’m not really falling as far behind as I expected to without her. Having to do 2 people’s jobs by myself is only affecting me a little. Really goes to show you how bad she was for the company & for my job when she disrupted everything that much. For example, me & her would get through maybe 5 to 6 offices’ reports between us in a single day when playing catch up after closing the previous month. One day? I caught up on 10 offices’ reports in a single day. By myself.
Oh, did I mention she smoked marijuana most days on her way to work or while on her lunch break? We could never actually prove it. But, come on, you don’t smell that strongly of marijuana on only select days if you aren’t smoking it recently. If it was leftover from the smell of your house or car, you would smell like that every day. But it was only some days she would come into work or back from lunch smelling like that. Obviously, smoking on the job. So very glad to be rid of her & her awful skunk smell. Although, I do wish her well on a new job search. I don’t wish ill on anyone, ever. But I am just glad she’s no longer my problem to deal with.
(Added 2 months after she was fired): By the way, I am actually gaining on my work. I’m not only not behind on my work, I’m actually getting it done soon enough to work on extra stuff. Also, out of the blue, we’ve started getting about 3 to 4 sales & scam calls every day since Sally left (for things like better Medicare benefits, better retirement benefits, & even one time recently where “Walgreens” was calling to ask if I still had diabetes). I’m convinced Sally signed us up for calls as retaliation. I hope they die down soon, especially as they are starting to get rude. (Our response to every one of these is “Sorry, this is a business.” This one guy responded to me with, “This is my job.” I said, “I understand this is your job, but this is a business. I am not allowed to take personal calls.” He said, “Why?” I said very slowly & firmly, “Because I’m working!” He started to say, “Can you explain to me why—” I hung up. Jerk.)

So, here is part 2 of my entitled employee story. We left off with discovering Sally’s retaliation of giving me trash as a Christmas gift after her latest write-up.
So, the next several weeks, I am noticing more problems, but here’s some of the highlights.

1. Ever since we had issues of the office’s checks going randomly missing, Sally had apparently decided to just stop throwing any envelope away when opening the mail. She would supposedly search the envelopes/paperwork & then keep the envelopes with the paperwork. So, instead of doing her job better, she would decide to just stop doing the job at all. After all, you can’t get in trouble for screwing it up if you aren’t doing it, right? However, this resulted in items getting left with the paperwork (which sometimes wouldn’t get touched for several weeks due to being busy) that had needed to be collected or addressed right away.
   
2. Sally’s careless mistakes continued at about the same rate (average of 2 to 3 a week). She would put deposit slips/emails with the wrong office’s report, put one office’s mail in another office’s bin, put one office’s funding papers in another office’s bin, put one office’s bills in the folder for their correspondence & vice versa, put one office’s bills in the folder for another office’s bills, put the new month’s bills in the folder without taking out the old month’s bills so they would get mixed up. I could go on & on.
   
3. Sally would still ask for help on things she shouldn’t need help on anymore, ‘cause I had helped her many times on items exactly like it in the 2 years she’s worked here. I mean, the whole point of asking for help when learning new things on a job is so you can take the input you’re given & use it to get better at the job so you don’t have to ask for help anymore. I mean, what kind of office works by their employees constantly needing to be walked through everything every day? Sally would even ask for help on things no one would need to ask for help on. For example, she asked me, “An office took a deposit to the bank without showing it on their report. How do I write that up in the letter to fax to them?” Um, exactly what you just said to me. Or another time, she asks how long she should wait before calling an office back. Well, how long do you think you should give them? Just use your good judgment. You don’t need help with that! Again, you’ve been here 2 years!
   

On Jan 26, I take the Dec bills, correspondence faxes, & timesheets out of their folders to scan them into the computer. Now, one thing the bills should always have on them are the check number used to pay for this purchase & the date it was paid. The offices themselves are supposed to write this on there, but they don’t always, which is why it is our job to write it on there if it’s missing. I had noticed when I scanned Nov’s bills around Nov 30 that a lot of Sally’s offices don’t have that info written on them. So, I explained to her what needed to be written on every bill/receipt. I now flip through the Dec & Jan bills of her offices really quick to check them. There are quite a few of them with no info written down on them. There’s strike one for noncompliance.
Another task we would do several days a week (that’s Sally’s responsibility) is to check the bank accounts online. She is to look at the bank balances & report any low balances to Greg (or me if Greg isn’t there). She is then to look at the transactions in order to see if anything looks fraudulent. Since we are a loan company, check fraud is very common for us. So, we look at the checks for anything funny-looking, & we look to see if there are any auto debits (like when you use your bank account online to pay for a bill) that would tell us if someone got hold of our bank account info.
On Jan 30, at 1:15 p.m., I asked if any of the bank balances were low (Greg was out of town for a few days). Sally said she had forgotten to check the bank accounts that morning. Weird, ‘cause you had to check the Dallas office to make sure the money we sent them had shown up. How did you get the login sheet out to look in their bank account but then forget about checking all the bank accounts? This just further cemented in my mind that she was NOT checking these bank accounts the way she should. I was 100% positive that all she does when logging into these bank accounts is checking the balances to give to Greg but then never checks the transactions. I know this ‘cause, 1) I’ve observed Sally only logging in to write down the balances & then logging back out (she had some flimsy excuse ready when I asked her about it), 2) there have been auto debits that appeared in bank accounts that we didn’t find for weeks until I happened to see it for some reason & guess what? She never pointed those out to us, & 3) Sally hadn’t bothered to check the bank account balances since Greg was out of town, so clearly she only felt the need to check the balances. There’s strike two for noncompliance.
& even more bad mistakes or decisions:

1. At the end of Jan, we discovered that Sally had mailed the employees’ W2s to the managers’ home addresses instead of to the offices to distribute to their employees!
   
2. We had an office that moved locations to right across the street, so the only thing that changed in their address was their street number (12 Main Street instead of 11 Main Street). I explained this to Sally & gave her an updated list of the office’s addresses. 3 weeks later, we get a call from that office saying that mail we send to them keeps going to their landlord’s house. I check the address labels Sally had created for herself. Sure enough, it had the wrong address on them. I go to grab the lease, & at the top is where the tenant’s new address is listed. & all the way at the bottom of the page in the paragraph titled “RENT” where it lists where to send the rent is the landlord’s home address. & that’s the address Sally had chosen to be the new office’s address on her address labels.
   
3. Sally hadn’t been faxing the offices to ask for bills/receipts that never made it to us.
   
4. I used the last towel on a roll of paper towels, so I went to the cabinets to grab another. We were out. Sally is in charge of keeping track of supplies that need ordering, so I go to Sally & say we’re completely out of paper towels, we need to order some. Sally response: “No one ever tells me when they grab the last roll so I know when to order them.” Um, excuse me, since when is it our job to tell you to do your job? It’s your responsibility to keep track of supplies. You should be checking the level of paper towels, toilet paper, Kleenex, etc., to see when you need to order them.
   

So, I knew she needed a second warning write up for carelessness cause of the numerous mistakes since the first warning write up in the middle of Dec, & I would be giving Sally a first warning write up for negligence cause of her not asking the offices for missing bills & not writing the info on the bills I had told her to do at the end of Nov. However, it was only a few days from Feb, which was the time for performance reviews. So, rather than doing a write up now & then in a week or so doing a performance review that was one of the worst performance reviews I’ve ever heard of, I decided to just do it in one fell swoop. You know, just get it all out of the way with one bad conversation, one bad day, & then both of us can hopefully put it behind us & move on.
I decided to do the performance review & write ups on Feb 5 (Monday). It went much smoother ‘cause Greg was there, so Sally couldn’t really give me lip or lash out by showing attitude & anger like she had previously.
On Feb 7 (Wednesday), I log in to get the transactions for an office who is switching banks. I wanted to get an updated list of outstanding checks so they know how many checks are left before they can close the old bank account. & what do I see? Someone had used the bank account to pay $100 on their AT&T bill. I call the office & find out it was actually them, so no fraud there. But I then ask Sally if she had seen that when checking the bank accounts. She said she didn’t remember. Obviously, I have found my proof that she is either not checking them or isn’t paying attention when she does. I have a discussion with Greg about it, & we decide I need to have a sit down with her about her not doing her job. She is sick on Thursday, so I plan to talk with her the next day she comes in.
On Feb 9 (Friday), I begin the conversation about checking the bank accounts & how important it is. I am planning to say things like, we expect you to do this job, you’ve been told multiple times to do this task, if you’re not going to do the job, then you’re welcome to go find another one, etc. But she cuts me off at the beginning with an excuse of, “Well, I didn’t know what I should be looking for, now I know.” & it broke me. She does this exact thing every time I have to have a conversation with her. She has an excuse ready to go on the tip of her tongue, always spins it around so it’s not actually her fault. It’s always, “Well, I didn’t know that, but now, I do.” & I was just done. I didn’t continue the conversation, even though I needed to, ‘cause I just broke down in tears from the stress of having to discipline her & knowing that nothing will ever come of it, but having our hands legally tied to be able to fire her right now. I cried nonstop for over 4 hours.
On Feb 12 (Monday), I sat down to continue the conversation, this time with a written statement for her to sign.
Me: You respond a lot of the time that you don’t know how to do things, which is very frustrating, ‘cause you’ve been shown multiple times how to do these tasks. It’s very inefficient & wasteful that I have to constantly check all of your work & retrain you on the same thing over & over again. This needs to change. This job is about accuracy & accountability.
Sally: You’re not giving me a chance to improve. I never hear “Good job,” from you. All I ever hear is, “You’re doing a bad job, sign this paper.” I get in trouble every time I ask for help, so I guess I’ll just follow the instructions & hope I’m doing it right.
The problems with that response:

1. You’ve worked here for 2 years, Sally. You’ve had plenty of time to improve.
   
2. The reason you never hear “Good job” is ‘cause you’re not doing a good job. How am I supposed to tell you “Good job,” but also need to give you a write up for doing a bad job? If you’re getting multiple write ups for doing a bad job, don’t you think that’s a sign that something is wrong? I mean, she thinks that managers should be telling their employees good job on everything they do right. No, you’re expected to do these tasks. We’re not going to congratulate you every time you do your basic job requirements like some toddler that needs constant positive reinforcement so they know that doing something right is a good thing! You will hear “Good job” when you are doing a really good job on something, when you go above & beyond!! I mean, do you think Greg tells me “Good job” when I’m just doing my job as expected?!! NO!!! I’ve never had a manager constantly tell me “Good job” all the time!!!! (Whew. Sorry about that. Kinda went on a crazy rant there. I’m good now.)
   
3. Here’s another example of her mentality of “if I don’t do the job, I can’t get in trouble for doing it wrong.” She’s going to stop asking for help instead of using the help I’ve given her to do better. I mean, if you’re making these mistakes when you ARE asking for help, how many more are you going to make when you stop asking for help? How does this make any logical sense?!
   

Well, here’s another chance for some malicious compliance. She claimed she didn’t know how to check the bank accounts, right? Well, my job as the manager is to make sure my employees know how to do their job. So, I need to sit down with her & train her how to check the bank accounts. Again. Even though I know she already knows how to do it. So, every time you tell me that the reason why you didn’t do a job is ‘cause you didn’t know how to do it right, well, we’re going to sit down & waste both our times & annoy you having to be retrained on something you do, in fact, know how to do.
Sally continues making careless mistakes & not doing stuff she doesn’t think she should have to do. Like answering the phones. It’s her job to answer the phones; that’s something I as the manager should be delegating to her. However, she never answers the phone unless I literally can’t. So, I had asked her to start answering the phone more. She will wait until the last possible second before answering the phone. By that time, it’s already rung twice, so I have to answer it before it goes on any longer or they hang up. One time, we were both away from our desks when the phone rang. We both went to answer it, but she was closer & got to her desk before me, put her hand on the phone, & watched me until I got to my desk before she picked it up. With a comment of, “Oh, (laughs) I didn’t want to make you walk all the way to your desk.” Well, you did, anyway, you little jerk.
On Feb 27, Sally asks for help on a report. She says that my note stating the office is over-deposited $28 on report 1 but fixed on report 2 by being $28 under-deposited didn’t work out. She says that they were never over by $28 in the first place. I take the report to look it over. Her calculator tape adding up the deposits shows the bank is in balance, but I don’t see deposit slips.
Me: Where are the deposit slips?
Sally: I haven’t gotten them yet.
Me: (trying to comprehend her logic) Then how do you have the deposit amounts added on this tape?
Sally: I got the amounts from the report.
Me: You…(my brain trying not to implode at this point) you can’t add up amounts to see if the bank has too much or too little money in it without knowing what was actually taken to the bank. The amounts on the report don’t always equal what was taken to the bank.
I log into the bank account & discover just that: the report says they took $500 to the bank, but their deposit says $528. They were indeed $28 over-deposited. I then lecture her (for the second time in a few months) on the correct way to account for the deposits at the bank, that we are only to use the dollar amounts on the bank’s deposit receipt. (The first time was her getting the deposit amount from what was written on the deposit slip instead of what the bank gave us credit for on their printed receipt. The bank had shorted us $500, & we never knew until her deposits didn’t work out when reconciling the bank statement at the end of the month. We were missing $500 for 4 weeks! It’s a miracle we didn’t overdraw the account.)
Another task that we do several days a week is checking the CFPB website. This is a government website that uses federal regulations to monitor financial institutions. It’s like the Better Business Bureau, but more official. Customers can make complaints through them, prompting an investigation to make sure we’re following the federal guidelines. We have 2 weeks to respond to a complaint before it is past due.
On Feb 29, Greg just happens to be looking at an email inbox that he never checks, ‘cause after all, we’re checking the CFPB website, so he doesn’t have to look there, right? There is a complaint in 2 of the portals that have been in there since Jan 22. He immediately marches out & tells Sally about them.
Greg: Aren’t you checking the CFPB sites?
Sally: Yeah, I am.
Really? Then how come you didn’t print this complaint off to give to Greg in the last 6 weeks? She came back from lunch to a second warning write up given by me for negligence.
On Mar 5 (Tuesday), we are working on reconciling the bank statements so we can close the month of Feb. Sally brings me a Jan bank statement for an office.
Sally: This never cleared in Feb.
I look at the bank statement. It’s an electronic deposit of $254 on Jan 31. I remember this. She had asked me at the beginning of Feb why this deposit wasn’t recorded on the office’s report. I explained that since it didn’t show up in the bank account until the last day of Jan, they might not have known about it before the end of the month & so recorded it on the first of Feb. We will wait until the first report of Feb. If it’s still not recorded, then we’ll bring that to the office’s attention. & here she is, clearly telling me she hadn’t brought it to anyone’s attention all month long.
Me: (staring at the bank statement as I try to prevent my autistic brain from exploding at her while also trying to prevent a spontaneous stroke) You didn’t keep track of this all month?
Sally: Well, I didn’t know if it was treated differently ‘cause it was OTBP (One Time Bill Pay, which is the electronic deposit). (Oh, what a shocker, she once again didn’t know how to do something.)
Me: But we talked about this. If it wasn’t on the first of the month, we needed to address it.
Sally: Okay, well, now I know that we treat this the same as other deposits. (goes nonchalantly back to her desk like it was no big deal, like she hadn’t just revealed she had once again disobeyed my detailed instructions)
Me: (seeing her flagrant disregard for the seriousness of the situation & wondering just how on earth she could once again think that not doing her job would have no consequences) This is exactly what Greg talks about over & over, about how we can’t leave errors like this to sit for weeks & weeks, that these need to be dealt with as they happen.
Sally: (still as easy-going as if she had simply used the wrong color highlighter) Okay, I’ll make note of that.
Now, I am getting really pissed off. She keeps saying, “Oh, now I know that OTBP is treated the same as everything else.” That doesn’t matter! It doesn’t matter that you didn’t know it’s treated the same! I specifically told you to take care of it if it didn’t appear on the first of Feb! It didn’t matter what kind of deposit it was! I said to tell me if it wasn’t on the first of Feb!
Now, this was right before she leaves at 3:30, so by the time I’m finished with my text conversation with Greg (‘cause he isn’t there that afternoon), she has already left. But I’m telling Greg that I have once again caught her being negligent, & she’s already had 2 written warnings about this, which means our next step is letting her go. Not to mention, her carelessness is still continuing. He said that he supports my decision to let her go. By the way, the final decision happened an hour after she left. If I had known before she left that we were indeed going to fire her, I would have done it before she left so she didn’t have to come all the way to work in the morning just to leave again.
So, on Mar 6 (Wednesday), I arrive early to work so I can be prepared. I am standing at my desk, watching her come in. This is unusual, so she frowns as she approaches me.
Me: Sally, we need to talk.
Sally: (still frowns at me)
Me: (handing her the typed up notice) We are going to read this together. “When reconciling the month of Jan, around Feb 5, it was brought to my attention that we had a deposit that hadn’t been reconciled. I gave you instructions to wait a report to see if it works out. If not, you would need to bring it to mine & the office’s attention for further instructions. This wasn’t done. It wasn’t until Mar 5 that you brought this to my attention again. You have been told many times the importance of reconciling the financials of the office. You have been warned several times of negligence. This is another example of negligence with respect to your job. All you had to do was follow my instructions. It is for this reason that it is now time to terminate your employment.”
Sally: When did you tell me to do this?
Me: (thinking, “Um, I kinda just told you when I told you do that, but, okay.”) When you showed me the Jan bank statement—
Sally: Yesterday?!
Me: You showed me the Jan bank statement a month ago when you were reconciling Jan. I told you to wait for the first of Feb & then—
Sally: You did no such thing!
Me: Yes, I did, Sally.
Sally: When does Greg get here?
Me: Around 9, like usual.
Sally: I’m calling him, ‘cause this is ridiculous. You’ve had it out for me from the very beginning.
Me: No, I haven’t.
Sally: Yeah, you have. Just like the other 2. (sets her bags at the front door, goes outside, & calls Greg)

1. How could I have had it out for you from the very beginning when we didn’t have problems for the first year & a half you worked here? If I’d had it out for you from the beginning, you wouldn’t have had a job the past 6 months. Need I remind you what Greg told you about the timesheet thing being something we fire someone for on the spot, but that Molly had gone to bat for you & gave you a second chance? Why would I have done that if I had wanted you gone from the start?
   
2. “Just like the other 2.” She’s talking about Irene (who had left in Feb 2023) & another employee (who we’ll call Phil). Phil had been fired (by Greg, by the way) for continuing to watch movies on his phone at his desk despite being told multiple times by Greg to not do that. & Irene? She wasn’t fired. She gave her 2 weeks’ notice. & we then discovered when going through the work she’s been doing as we started taking over her tasks that she didn’t just not do jobs. She would actually forge the work so she wouldn’t have to work. “A bank imbalance of $2.65? Well, I’ll just add it to the imbalance that’s been building up for who knows how many months & just label it as an over-deposit from the end of the month. That way, I don’t have to look into why the bank isn’t balancing.” But no, I had it out for them, apparently.
   
3. Does she really think that calling Greg was gonna reverse my firing her? Does she really think I would do something as drastic as writing her up or firing her without discussing it with my supervisor first? Did she really think I would do this behind his back?
   

Apparently, she did, ‘cause Greg confirmed that Sally tried telling him about all the stuff I’ve been doing to her as if he didn’t know. She hung up on him when he explained that he’s been told everything as it happens & he supports this decision.
Sally: (storming back into the office & towards her desk) I’m not signing anything.
Me: Ok.
Sally begins packing up her desk. I had known she kept a lot of personal items at the office, so I had gotten a big box or 2 out & placed them nearby for her to use to pack up her desk.
Me: We can give you a box if you need it.
Sally: I don’t need sh** from you guys.
Me: The only thing we’ll need is your office key.
Sally: You’ll get it when you get it. I’m packing my desk.
Me: Ok.
I go back to work, keeping an eye on her as she packs to make sure she doesn’t take anything she’s not supposed to or damage any company property. Sally at some point decides to use the boxes she didn’t want from us to pack up her many items. She takes both boxes to the front door where her bags are & sets them down to put the last of her things in. She picks up one box to take outside.
Sally: You are the worst manager ever. (goes out the door)
Me: (shrug)
Sally: (comes back in for the final box) Seriously, you’re the most evil person I’ve ever met. (leaves)
Really? I rank worse than the guy that beat you up? I’m worse than him?
I continued watching her to see if she’s going to come back to give up her office key. As she packed up her car, another employee had arrived (we’ll call him Randy). He had run into her on the way in & asks me if Sally quit. I explained, no, she was let go. I then see that Sally has gotten behind the wheel of her car without coming back to give us the office key.
Me: Well, I guess we’ll just change the locks.
Randy then takes it upon himself to go out to her car. He phrased it very gently by saying he wanted to spare her having to come back in to turn the key in.
Sally: I guess Molly didn’t have the balls to do it herself. (hands the key over)
& then…she was gone. Despite having to do the entire corporate office’s work all by myself & falling steadily behind little by little, I have never been more happy. I had forgotten how much I loved my job & how much I couldn’t wait to get to work. I haven’t been this stress-free in 6 months, & it feels fantastic! & the great part is, I’m not really falling as far behind as I expected to without her. Having to do 2 people’s jobs by myself is only affecting me a little. Really goes to show you how bad she was for the company & for my job when she disrupted everything that much. For example, me & her would get through maybe 5 to 6 offices’ reports between us in a single day when playing catch up after closing the previous month. One day? I caught up on 10 offices’ reports in a single day. By myself.
Oh, did I mention she smoked marijuana most days on her way to work or while on her lunch break? We could never actually prove it. But, come on, you don’t smell that strongly of marijuana on only select days if you aren’t smoking it recently. If it was leftover from the smell of your house or car, you would smell like that every day. But it was only some days she would come into work or back from lunch smelling like that. Obviously, smoking on the job. So very glad to be rid of her & her awful skunk smell. Although, I do wish her well on a new job search. I don’t wish ill on anyone, ever. But I am just glad she’s no longer my problem to deal with.
(Added 2 months after she was fired): By the way, I am actually gaining on my work. I’m not only not behind on my work, I’m actually getting it done soon enough to work on extra stuff. Also, out of the blue, we’ve started getting about 3 to 4 sales & scam calls every day since Sally left (for things like better Medicare benefits, better retirement benefits, & even one time recently where “Walgreens” was calling to ask if I still had diabetes). I’m convinced Sally signed us up for calls as retaliation. I hope they die down soon, especially as they are starting to get rude. (Our response to every one of these is “Sorry, this is a business.” This one guy responded to me with, “This is my job.” I said, “I understand this is your job, but this is a business. I am not allowed to take personal calls.” He said, “Why?” I said very slowly & firmly, “Because I’m working!” He started to say, “Can you explain to me why—” I hung up. Jerk.)

Wanted to jot down my feedback regarding S4 so far, from the position of an arpg sweat that grew up on D2. Some of my opinions will be direct opposites of what casuals are feeling, which is okay and I think there is a middle ground that can satisfy all player types in most areas.
Leveling
I was initially quite disappointed by the new leveling experience. Helltides are vastly improved and a lot more fun, but it still gets dull doing effectively only that for 50 levels. I think this is a minor issue as future season campaigns will probably break up the monotony enough to keep it fresh.
Personally I'm not a fan of making leveling faster, I enjoyed the original 1-100 experience but as the game adds more post-100 content it'll smooth out the process of getting there which is understandable.
The biggest issue leveling has is Haedrig's Gift (Iron Wolves & Season Journey caches). One of the big appeals of playing a fresh season is starting from scratch and pathing efficiently through the awkward parts of the early game where you don't have all your powers, and experiencing that growth and the big power spikes when you find the right item along the way. Developing mastery of a chosen class should include knowing how to be efficient without legendary powers, and it's another layer of skill that is fun to improve.
Giving everyone a starter kit toward a solid leveling build directly goes against that, and even makes me less interested in looking at loot since I've already been handed a big burst of power in the first 10 minutes. In a season all about the new loot, that's a big misstep in my eyes. Renown skill points already did this to some degree and it felt very jarring, but it's getting to a stage where it can't be ignored now. Stop solving the problems for me, the problems are the engaging part.
Haedrig's Gift-style mechanics simply need to go - LET ME FEEL WEAK so that I can enjoy being strong.
Loot & Crafting systems
The itemization rework is a big step in the right direction. I was initially concerned with greater affixes being some step in the direction of old D3 ancient items but so far I haven't felt it to be too grating because of the many rng elements involved in hitting several GA's and having them be the right ones. I hope iteration on stats will continue and that more fun or build-altering options will be added going forward.
Tempering is a huge win in my book, and the best new system introduced. The choices are interesting, grow in power as you approach the endgame and serve to let you specialize your character's/build's unique identity. I sincerely hope you double down on this and consider working in seasonal tempering affixes that offer interesting options to the current pool while not being so strong as to invalidate the base affix pool.
Masterworking hasn't made a huge impression personally, the % based stat increases aren't enough of a carrot to make me want to grind them out religiously.
My biggest issue with this iteration on loot is the obsoleting of item tiers. Rares are made functionally useless by having one less affix than legendaries, a complete 180 of the original plan of having them be potentially stronger than legendaries in the right circumstances, and even legendaries without greater affixes become completely pointless beyond salvaging for codex or selling for gold at some point in your journey.
I think there's a big opportunity to keep rares interesting throughout the whole journey even in their current state - what if they were the templates for runewords come the expansion? The power tradeoff of losing a regular affix and greater affix chances in favor of a unique new power could be fun to figure out as a player.
The Pit, and the great question of why?
When I started doing pit runs, I was immediately hit by the realization that although leveling had been shortened to get me here, I've run out of carrots to chase. Yeah, every item on my character could have the perfect stats and be masterworked to absolute perfection, but why? What am I working towards?
The obvious tie-in to greater rifts is a per-class, per-groupsize leaderboard. Now I have something to strive towards and it acts as a big motivation to perfect my gear so that I can compete. It'll also be engaging to more people than it was in D3 since infinite power scaling doesn't sour the experience for solo/legit players after two weeks of a season launching. But not everyone likes to push leaderboards, and even for those that do, creating some friction and diversity in what to focus on keeps the game fun for longer. In the end, I just want a good reason to keep pushing, and that looks different for everyone which is why we need options that aren't all instanced scaling difficulty ladders.
Trading
You expanded trading this season which is great - now give us a modern trading system that solidifies it as a real endgame option for those that want to, without taking the focus away from farming your own gear.
While I personally would like an auction house along with some sort of trading square area in cities where trade chat is auto-enabled, I recognize that it comes with concerns of what the optimal route to player power becomes. So if we want to maintain that bit of friction to make it a viable route, but still not overpowered in terms of loot acquisition, a system like PoE's website could facilitate face-to-face trading while also acting as part of the solution to the issue players are facing with socializing and grouping up. A lot of the people I made long-lasting bonds with from the D2 days I met through trading, either in-game or on third party sites.
Legitimizing trading as a secondary focus for those that want to could help diversify and strengthen your endgame offerings while also helping the social aspect of the game, which is sorely lacking. What it also does is create an interesting bit of friction for your character vs. account level of power and wealth. Suddenly, a unique item I found could be immediately useful to me if I made a Druid, but it could also strengthen my Sorceress if I sold it and spent the resources on masterworking or new template items. I'm predominantly a solo player and don't want grouping/coop to be shoved in my face, but not having a decent option to seek out people to play with in-game is a big miss for those that want it.
D4 with accessible trading and a diverse enough item pool to where I can buy and sell Uniques, Legendaries both for their stats aswell as their aspect creating interesting value breakpoints, rares or other runeword template items or even set items down the line would be a dream for a lot of players - and with the correct implementation, only a small tie-in or completely unnecessary for those that don't want to focus on it.
Conclusion
In conclusion, I think S4 is a large step in the right direction with some backwards stumbles here and there. I, along with many others, want nothing more than to main this game as the moment-to-moment gameplay is spectacular along with the art and music, but to be able to do that the endgame offerings need to have more depth and be more varied.

Bitcoin

• Cryptogirlie

*I need help picking out a Bitcoin related name for my next yacht! *
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• Educational_Hunt_989

Bitcoin Currency Fever Spreads to Argentina
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• LimitAlternative2629

BTC Reserves are in a year long downtrend
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ethereum

• AspectResident925

Dapps?
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• MathematicalElephant

Transfer from paper wallet to Exchange
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• FlyingPeacock4316

*Where to test smart contracts? *
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CryptoCurrency

• rizzobitcoin

Elon bragging about his "diamond hands," exactly 3 years ago. He's since sold $2 billion worth of Bitcoin 💀
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• IHaventEvenGotADog

Blackrock Bitcoin ETF Attracts 414 Institutional Holders — Analyst Says IBIT 'Blows Away Record' – Finance Bitcoin News
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• xnxx_991

Heatbit founder: integrating Bitcoin mining into everyday devices
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btc

• Ill-Veterinarian599

What if BCH finally resolved the block size limit issue and ... nobody noticed?
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• rareinvoices

BCH volume is only there the first time new highs get hit. Once these sellers run out, there really is no more for sale until the price hits new highs. This is because the supply is scarce and limited. Once its sold, you cant just print more. Dont sell low.
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• AD1AD

Bitcoin Cash is cookin'!
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SatoshiStreetBets

• yhklko

$NIGI the real roaring kitty!
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• GanjaMan4Twenty

Don’t Miss The Boat!!! Ape Levels At An All Time High 🦍
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• Extra-Ad5676

$KHAI Kittenhaimer on Solana
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CryptoMarkets

• KSR-0

*Am just starting trading in crypto *
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• Positive-Anybody7736

Selling crypto is costly and time consuming, defeating the whole purpose
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• 122klein

‘This Is A Big Deal’—Congress Suddenly Hurtling Toward A ‘Crucial’ Crypto Vote That Could Blow Up The Price Of Bitcoin, Ethereum And XRP
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CryptoCurrencies

• RF12

El Salvador Launches Own Proof-of-Reserves Website to Track Its $360M Bitcoin Holdings
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CoinBase

• Artistic-Big-9122

*Coinbase wallet on uniswap , a lot less gas fee *
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• MagicPluto

My coinbase account has been blocked.
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• Karakolev

Crypto Sending locked for 2 MONTHS!
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binance

• AutoModerator

Binance Support Thread
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FantomFoundation

• MwangiKihanya

Liquidating frapped usdt
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solana

• Opening_Ad_7309

My wallet got hacked after downloading a game. I don't know what to do anymore.
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• PM_ME_PEGGED_BUTTS

Just bought my first fewSOL, anything I should be looking out for or just HODL?
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• RemoteToast

Total crypto newbie...
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cosmosnetwork

• juunhoad

Use case of $ATOM
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• rollerscrolleredsd

Tia, Dym, Saga
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• rollerscrolleredsd

Is injective a good investment long term
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algorand

• GhostOfMcAfee

Validating Usernames in a Smart Contract
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• Rare-Art-8535

Tokenizing meme stocks
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cardano

• SL13PNIR

"But can it run Doom?" Here is Doom running on Hydra, where every transaction is a single frame!
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• matiwinnetou

Cardano Community Member highlights importance of formal methods in Cardano's design.
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• PALM-Economy

PALM ISPO is Live
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Monero

• Specialist-Address98

A reminder of why Monero is such an important thing
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• ksilverstein

Attention All Tor Users and Some VPN Users Who Can No Longer Log In to monero (or any other subreddit) For The Past 3 Days
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• sunchakr

Join us TODAY morning at 11AM-EDT/4PM-CET! ! XMR Report, News with the gang, and much more!
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NFT

• FinessePlayz

Anyone looking for popular NFT shiller and promoter? I have 100,000+ followers and sold out 10+ projects. I can SELL OUT yours! Dm me now if you have questions. Or add me I’m also an experienced artist. I can make arts or traits for your project! I have affordable prices also
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• Tuxness

Anything similar out there to CryptoKitties these days with active community?
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• Paris_No1

Hello NFT and Web 3.0 fam! I’m not quite used to X, I thought I come here and start making friends and connections! Never thought a community will be so exciting for me but the whole digital identity thing hypes me so much. I’m not here to shill not here to farm or anything, but rather here to STAY!
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I was married over 16 years before the divorce. I’m now paying 30% of my income to my ex-wife, until she either gets married or dies. My ex-wife has an income of $0 for the last 6 years of the marriage, and apparently makes $0 income now. We’re in Massachusetts and no kids are involved.
According to the divorce document, I have to keep a $100,000 life insurance policy, with my ex-wife as the only beneficiary. I stopped paying for my life insurance. I figure that: - If she asks to see proof of life insurance, then I can buy some quickly (at a higher price of course). However, we have not communicated with each other in many years. - If she dies first, then there’s no problem. - If I die first, then she can try and get $100,000 out of my assets, but I simply don’t have that much in assets.
Please do not recommend anything illegal (per the subreddit rules), but what is the risk in this plan?
If I get re-married, how does the risk change? For example, if I die, can my ex-wife try to get $100,000 from my new wife?

And it's not universal or single payer healthcare. Argue it all you want, but I will never be convinced it will work in America. Not only would it be an administrative nightmare, but it would also end up costing more in the long run while being painfully impractical.
Here's a better solution. Leave benefits and coverages exactly as they are. That part of healthcare is actually very well managed and reasonable. What needs to change is the financial aspect for the consumer. This can be easily corrected by fairly simple legislation.
First: Put federal caps on the amount employers can charge for premiums. This would address access to healthcare. Make it law that premiums are directly proportional to salary. A fair amount would be limiting premiums to no more than 4% of yearly salary for family plans and 3% for individual plans. Employers would no longer be able to take 20, 30, 40 percent of an employees salary for simply having access to benefits. This would effectively eliminate the biggest financial burden we see in healthcare. In addition, it would encourage wage growth. If you want to charge your employees more for benefits, go right ahead, you just need to increase their salary in proportion. Either way it benefits the employee and economy as a whole. Under this system employers would also be required to offer coverage to both individual contractors and part time employees (with stipulations). This would ensure employers don't pivot towards operating through a loophole.
Second: Put federal limits on deductibles and co-pays while outright banning high deductible plans. This would address usage of healthcare. This would include preventing grandfather clauses (employers wouldn't be able to force employees into high deductible plans that were in effect prior to the law changing). Currently a high deductible is classified as $1,600 or more. This would be changed to be more in line with auto and dental deductibles that range between $25-$100. Even a $200 yearly deductible would be reasonable. After the deductible is met coverage for benefits would be required to be 80/20 co-insurance at a minimum, or co-pays not to exceed $25 for professional and $100 for institutional. In addition, we incentivize the use of Health Savings Accounts (HSA) that would no longer be bound by a high deductible plan. Open up HSA to all plans and put very heavy, punitive corporate tax and FSA and HRA. This would put control of the money back to the employee. They would be able to directly control and keep any unused funds, rather than the current "use it or lose it" model.
TLDR: The best way to fix American healthcare is to put significant caps on premiums, deductibles and co-pays while also reforming healthcare financial accounts.

Important news

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Hey everyone, this will be my first attempt at a serious post on this sub. I’m not exactly practiced in articulating my thoughts (I’m more of a fiction writer) so please bear bull with any mistakes and please correct me if I’m wrong. The last thing I want to do is spread misinformation, I’m not an expert (or a financial advisor) on any of this. I'm here to learn, not to teach.
This post will be the first in a series of me reading through the entire Diamond Handbook (2nd) and just commentating on points I find interesting or discussion worthy. I will be asking questions as well as giving my own personal thoughts based on my understanding of the events that have transpired. I became an ape right after the sneeze, and followed a lot of the discussions back then, but have been zen for a while so I haven't fully kept up with a lot of the new developments.
I haven't actually sat down and read DD in a long time, so I decided to give myself a refresher and actually look at the Diamond Handbook (2nd) for the first time. I had read a lot of these posts as they had come out, so I had never felt the need to look at the full PDF before. For the apes that haven’t read it either, I recommend giving it a read. You can find the full DD library in the pinned post of this sub, and the Diamond Handbook is the first one there.
As I have been reading it, I’ve quickly realized that some of the stuff is a little outdated. That can’t really be helped since so much DD has been done between then and now, but this brings me to the two reasons for this post. The Diamond Handbook is likely the first piece of DD a new ape will be recommended; I want to spark discussion to clear up some things that are misguided or outdated in this handbook. The second reason is more of a personal challenge. Whenever someone denies the legitimacy of the DD, an ape usually responds by saying something like “Well, read the DD and prove it wrong”. The average MOASS denier won’t do this though, in my experience they just think it’s ridiculous on a conceptual level, and won’t take the time to actually look through all the DD available and construct a proper debate. I can’t really blame them for this though, spending so much time on something you have no interest in doesn’t sound like a fun time.
But I have a lot of interest in this, and I am an aspiring author who writes 400K word fanfictions for fun. I’ve got the time and the writing willpower. I am very big into trying to understand how a reader will interpret a piece of my writing, so I’ll be looking through that lens and will be writing this with the assumption that you have already read the Diamond Handbook (2nd). Please take the time to respond/correct what I say here, I want to learn.
With all that out of the way, let’s get started.
​
The Mother of All Short Squeezes (MOASS) Thesis, Published on May 26, 2021, by u(slash)HCMF_MACEFACE
Before we even get into the meat of this section I already see a bit of an issue. A lot of the language implies that MOASS is imminent, take this section for example:

*“If you don't believe me, just look at the chart of GME which our DD (Due Diligence/research/analysis) has been forecasting for a while now. The below pattern has only preceded massive spikes in price, but this time, those on the other side of the trade are going to have a much harder time suppressing the price like they did in January and March. Thanks to the activity on 5/25, we have entered the end-game. The MOASS is beginning.”* 

I think most new apes will look at this, then look at the date of posting (three years ago), and think this is delusional thinking. They will say that MOASS did not ‘begin’ because it hasn’t happened yet. This would be pretty short sighted though, GME has always been a Deep Value investment, long positions are called long for a reason. ‘Buy and HODL’ is such a repeated mantra because that is the investment strategy most apes employ. Like most investments, it takes a long time to realize gains. Your retirement account will be growing for 40+ years before you cash that thing out, GME is my retirement plan so I don’t expect it to be much different.
Just because the sneeze happened in a week doesn’t mean MOASS will, in theory it should be a very long event as both the shorts and longs have a test of wills to see who caves first. However, the sneeze was the ‘beginning’ because it was exposed a lot of the fuckery that is going on in the market right now, I think that is the message that should be taken from this section.

*“These terms are key to understanding the theory and speculated value of a GME investment. Hyperlinks to Investopedia, "the world's leading source of financial content on the web", have been included for most market terms and concepts and it is recommended to check them out if they are not clear. We will be breaking down some of the more complex terms and concepts within the post and framing them within the context of GME.”* 

After the introduction, this post does a great job of explaining all the concepts of the stock market that are relevant to the MOASS thesis. However, I do wish it mentioned some other stock terms for the sake of new investors. Since none of the DD is supposed to be financial advice, I can’t really blame them for these omissions, but at the beginning the OP does say they wanted the post to be good for newer investors, so I think some more pointing in the right direction should’ve been provided. I do appreciate the link to Investopedia, but this DD is already a novel, and the average reader might forget about that link by the time they finish it. So an additional link should’ve been provided at the end.
The two big concepts I see missing are Options and Wash Sales/Stop-Losses.
Options are interesting because they create a different type of buying/selling pressure compared to just buying/selling stocks regularly. There are concepts like gamma ramps and stuff that can be relevant when discussing catalysts for price movement. However, options are pretty scary for most investors, I’ve only ever bought one, and forgot about it so it auto-exercised for me (lol), so it’s not a concept I would call essential. I just think it’s better to be educated than not.
The much more egregious omission is that of Wash Sales and Stop-Losses. Wash Sales are extremely dangerous to new investors who still make decisions based on emotions and are not used to the volatility that comes with GME.
If you are unfamiliar, a Wash Sale is when a person sells a stock at a loss, then buys the stock again within a short period of time. As an example, let’s say you bought a stock at $50, then the stock goes down to $40.00 and you no longer feel comfortable with your investment. You sell the stock at a loss. You lost $10.00 on this transaction, but it’s not all bad. When you go to do your taxes, you can report this $10.00 loss to the IRS. This is good because if you make a $10.00 profit off another trade, you now don’t have to take taxes out of that profit, since the IRS will see this as you breaking even in the grand scheme of your portfolio. You didn’t actually make any money, so they aren’t going to tax you for it.
A Wash Sale is triggered when you buy back the stock you sold in a short period of time, this can even apply if you buy a stock in the same sector. So if you buy a stock at $50.00, sell it at $40.00 then buy it again. That $10.00 loss you took can no longer be reported to the IRS as an actual loss. So when you make $10.00 on some other trade, the IRS won’t see you as breaking even, they will tax you on that $10.00.
For a stock as volatile as GME this can be very dangerous, I know people who brought in the peak, then as the price went back down they triggered a Stop-Loss (auto-sale you can program to trigger when a price falls), only to then buy back in when the stock dropped even lower, creating a wash sale that fucked their taxes.
We say “Buy and HODL” a lot, but I think the ‘why’ of it has been lost in the meme. I personally buy and HODL because averaging down is a lot better for me than accidently triggering a Wash Sale. I fucking hate the IRS and don’t want any of that smoke.

*“SPOILER: GME and \[Popcorn\] have tons of FTDs reported.”* 

I just kinda don’t like the mention of the Popcorn stock here, it has never been a deep value investment. If you are unfamiliar with the Deep Value investment strategy, please take a look at the old Roaring Kitty livestreams. In summary, Deep Value investing is defined by looking for stocks that are extremely undervalued and unpopular due to no fault of the company. These external factors that are making the stock undervalued can be anything, shorting, COVID, stuff like that. But what makes it a Deep Value investment is always strong management within the company. If the company is not mismanaged in any way, then it is very unlikely to go bankrupt, and will have opportunities to make a comeback. GME has Ryan Cohen leading, a proven successful businessman that has already taken precautions to ensure GameStop never goes bankrupt. Popcorn just doesn’t have that. It is very short-squeezable, but it’s not deep fucking value.

*“Short sellers must eventually close, or cover, their short position.”* 

Ok, but why ‘must’ they? This is another point I think has been lost in the memes. There are two problems with just saying ‘shorts must close’ without providing context. The first is the simple fact that there isn’t a due date. Unlike a common car loan or mortgage, a short position doesn’t operate on a time table. They can wait forever to close, unless they get margin called.
This next part I’m a little shaky on, I’m probably getting some things wrong here:
Ok, well how are they going to get margin called? The problem I see is that these Short Hedge Funds (SHF) are making a lot of money by selling naked shorts. It’s really hard to get margin called when they are literally printing money, and since they don’t have to report these their books just look to be filled with an infinite amount of cash.
So, there are a couple solutions to this:
1, Government regulation. If the SEC puts a stop to naked shorting, these SHF can’t print money anymore. Eventually the interest from their positions will eat them alive, and they will get margin called. Unfortunately, MOASS has the potential to destroy the economy like in 2008, so they probably aren’t too keen on just doing this without creating some kind of safety net. So I can’t really count on them to help, because the government has a vested interest in keeping MOASS from happening. It’s just not something I believe will be the catalyst. Although they might just do it on purpose given the right reason, like pinning the economic collapse on a scapegoat, or by GameStop forcing their hand by exposing the fraud somehow. I’ve seen a lot of apes hoping for one of these reasons to come to pass, but for me, I don’t see enough motivation from the participating parties.
2, A price run-up. If the price of the stock can unbalance the books of the SHF enough then they could also get margin called. I’m not counting on this either, since the price is manipulated by the process of naked shorting. Sure, they are digging a bigger grave when they suppress the price like this, but it can also help smaller SHFs with exiting their positions with OTC stuff. Over-The-Counter trades are trades made off the lit exchanges, historically it was intended to kind of simulate a transaction between two individuals, like buying a video game from a buddy off the books, no taxes, no regulation. Unfortunately, this is abused by institutions and can’t even be used by individuals, making dark pools of trades full of fraud and undermines the free market. Smaller SHFs that are more at risk of getting Margin Called due to their lack of collateral, can make OTC trades with the big naked-shorting market makers to ‘close’ their positions using fake shares. Of course, this only passes the buck so to speak, but it’s a viable strategy for them since the big SHFs that take on these ‘bucks’ are less likely to get margin called. A lot of historic short squeezes happen because a small SHF gets margin called, then drives the price up and causes a bigger SHF to get called, and so on until they’re all in the grave. This is why I don’t really give a shit if the price goes up to $80 in a week, it’s not enough, the buck has been passed. (To be clear, I don’t have proof that this is the reason for the uptick in OTC transactions, it’s just a theory. If a smarter ape than I can get on this that would be great.) But, even if a price run-up itself doesn’t cause MOASS, it may give motivation for the true trigger:
3, Interest Rates. Here is the big one that I look at, that I believe will be the true cause of MOASS. Now please, correct me if I’m wrong again, I am just an ape who dropped out of college. So, from what I understand a Short institution has to pay a certain amount of interest to the people they borrow the stocks from. This is the cost of borrowing and is how these Lenders make money. For a long time, the interest rate was at like 1%, this means that selling one naked short could cover the cost of the interest 100 times over. However, let’s say that the interest rate becomes 110%, sounds crazy, but this would mean that borrowing the share would cost more than the share. This would destroy the balances of the SHFs and ensure they get margin called. Why would this ever happen though? Because these lenders want to make money. These lenders are the real winners of MOASS, and they aren’t talked about enough in my opinion. Lenders can’t sell the shares they’ve lent out, their income is in the interest rates, there has to be a balance here between it being more profitable to lend the shares or to sell them. If Lenders start to think that lending their shares aren’t making them more money than the alternative, they will raise interest rates to make these profits until SHFs can’t pay them, then the SHFs have to return the shares, causing MOASS with the massive buyback, then lenders can just sell the shares on the way down. Lenders have a monetary business interest in causing MOASS, so they are the most likely cause of it in my opinion.

*“This is the GME MOASS thesis. GME is a stock that stands to hit an unprecedented price point due to the fact that manipulators of the market have failed to bankrupt GameStop thanks in huge part to the Legendary Keith Gill AKA* u(slash)DeepFuckingValue*, Ryan Cohen, and all of the GME investors who took part in this saga. It may not be today, this week, or even this month, but one day soon, these toxic participants have no choice but to buy the stock to close out their short positions.”* 

I don’t think this is necessarily inaccurate, but I think it’s misguided, and the language here is a bit to emotive for my taste. I think the reason the company didn’t go bankrupt is because of the strategic share offering made by Ryan Cohen to build up more cash than the company’s valuation (at the time). All the other stuff was just dressing, DFV and retail did not make RC do this, this move by RC is what ensured the company literally can’t go bankrupt, until then (and at the time this was posted) it was still a risk in my opinion. So this huge thanks feels kinda like a pre-cum celebration, and I've never really liked putting Keith on a pedestal, he's just an individual investor, just like the rest of us.
​
FAQ, Published April 12, 2021, by u(slash)BYE_TRIANGLE

*“Why does Holding do anything?”* *“They need your shares to cover their short positions! They got greedy. Thinking GameStop would fail, the short sellers started Naked Shorting the stock. Long story short they created synthetic stocks with their special privileges as Market Makers. But they can’t cover a short with a synthetic share. So because of the Naked Shorting, the Short Sellers, multiple large greedy money managers, and Hedge Funds need a total number of shares greater than the number available to purchase. THEY NEED EVERY SHARE, EVEN YOURS CONAN!”* *“aRe YoU GuYs MaNipuLatIng THe MaRKeT?!”* 

Holding does something else that I think is really important. It proves that retail is not responsible for the manipulation of the price. You see it in the mainstream media every time the price fluctuates, they say that retail and Roaring Kitty is driving the price up for the memes, and that the ‘meme stock craze is dead’ whenever the price falls, claiming that retail is selling. However, it quickly becomes clear to anyone with the willingness to research that retail holds. Holding doesn’t move the price at all, so they literally can’t blame this sub for the fuckery that happens.
Now, on the flip side, I know people on the old sub to buy and sell with these fluctuations, they did it during the sneeze and I’ve seen comments claiming to do it last week. I think this is why Roaring Kitty really had to speak to congress about this, because a legitimate-seeming argument could be made that retail was buying and selling at high volumes. The loss and gain porn on the old sub could be presented as evidence. Here though, apes hold, we glaze purple doughnuts.
So when MOASS does happen, the massive price increase will be only due to buying pressure from SHFs, so they are the only ones that can take the blame for what happens next.

*“No one knows how high the squeeze could take the stock price. The best rational reasoning says that these numbers \[500k per share\] are possible through the laws of supply and demand. Furthermore, it is likely that the Short Percentage is a lot higher than reported, with many suggesting that the short-sellers, cumulatively, need more than 100% of the float to cover.”* 

A lot of naysayers will claim people are insane for thinking that phone number prices are possible. They will cite that it would make the company’s valuation higher than the amount of money in the world, which is true. However, with the nature of fraudulent naked shorts being fake, the price is fake too, and the valuation of the company doesn’t necessarily mean that the whole float will be sold at those prices. Yes, it shouldn’t be possible, by all accounts it wouldn’t make sense, but it is possible due to the naked shorting. Also, institutions that own shares likely won’t HODL out for the phone number prices, they will sell when they think it’s safe, and when they won’t get in trouble with the SEC for destroying the economy. The infinity pool (the shares that will be sold at these prices) will be a small fraction of the total amount even among retail investors. So the argument that I see against the possibility of this doesn’t hold a lot of weight.
Keep in mind that even though ‘buying pressure’ moves the price up, someone has to be willing to sell in order for someone to buy. So as the price creeps up from $100 to $1000 to $100000 to $8675309 someone will be selling on the way up to get there.

*“Synthetic long positions could be used to disguise their short positions as well, the mechanisms behind this practice utilize the options markets and could explain some of the crazy options activity that we have seen in GameStop the last few months.”* 

So uhm… I don’t understand ‘Synthetic Longs’ at all. Could an ape with more wrinkles elaborate on this? From what I can extrapolate, this may refer to an institution purchasing a naked shorted share from someone else?

*“While at the same time they employed the use of social engineering to slowly depress the positive sentiment for the stock on Reddit and elsewhere.”* *“You may have been called a Shill for one of a number of reasons. This community is very inclusive and open to everyone, but because of the blatant attacks this forum has suffered a lot of people are understandably paranoid. (Myself included). Please, unless you really are a shill, don’t take it personally.”* 

I want to address this, because there is a lot of misconception about SuperStonk. A lot of people will claim that this sub is just an echo chamber cult that can’t handle anyone questioning the narrative. This may seem true on the surface, but I think the reality is just that we’ve become hyper sensitive to the social engineering the old sub fell victim to, and I remember this sub being attacked with that as well. So whenever we see a post that has extremely emotive language, we become skeptical and down vote it. Emotions have no place in investing, that is a common rule touted in even the oldest investing books, so posts that try to incite an emotional response are shot down. Apes aren’t about to be manipulated again. That being said there are emotive posts that still get upvoted, ones with positive hype-filled narratives. Since these get upvoted and the negative ones don’t that sometimes gives the impression of an echo chamber. This is because the facts do support the MOASS thesis, so a hype title and opening paragraph is just more agreeable with the facts-based narrative. Some people are just scrolling on their phone and don’t have time to read the whole post.
However, if you go into the comments of these posts, there are apes investigating the profile history to determine if posters are bots, regardless of the pushed narrative. If you look past the upvote counter, apes are very skeptical of any post that isn’t based in fact or harmless memes. The comments rule the post, and I have to say I’ve very proud of this sub for staying vigilant in the wake of Reddit restricting moderation tools.

*“Ryan Cohen clearly believes in Gamestop, to the point of announcing that he will be taking equity as compensation. In fact, as of writing this all of the new Gamestop board members are going to be taking equity as compensation. This is seen as an incredibly bullish sign of the company's future success.”* 

This is one of the principles of Deep Value investing, I wish this was elaborated on more of why this is bullish. This means that the board, and more importantly Ryan Cohen, is tying their individual self-worth to the company. Due to this tie, they will essentially ‘go down with the ship’ if the company goes down. This means that the board and Ryan actually have an interest in the company doing well, instead of having an interest in making money off the company. You may think this sounds like the same thing, but it’s not. If RC cared more about money than the company, then he could destroy the company to make money (this is what’s happening to popcorn), but by tying his worth to the shares, the only way for him to become richer is for the company to flourish.
I don’t really like the language being used here, stuff like ‘clearly believes’ ‘seen as incredibly bullish’ are all pretty emotive and doesn’t actually explain why these are positive growth signs for the company, they are just saying it is ‘bullish’, the average new investor isn’t even going to know what that really means. Even though GME is extremely manipulated, causing Technical Analysis to become increasingly difficult to depend on, the investment is still rooted in fundamentals of deep value.

*“Below is a shortlist of some of the potential catalysts people are speculating about:* 

-A Stock Split, or some similar move from Gamestop that recalls shares
-Gamma Squeeze
-Gamestop’s Q1 Earnings Call
-Some speculate Gary Gensler (Newly appointed head of the SEC), may make some move that sets things in motion
-DTCC rule changes taking effect
-Appointment of a new CEO”
Yeah… this feels bad man. I’ve talked about this already, but we can rapid fire down this list.
The stock split didn’t work out, since those in charge of distributing the splits did it fraudulently. Gamma Squeeze is the kind of thing that could trigger a smaller hedge fund to get margin called and cause a domino effect, but I’ve shared my theory of the OTC action. Earnings are nice, but public sentiment has always been more tied to the media manipulation than actual facts. Fucking Gary.
On the subject of bringing in new talent, I do feel like a big move will happen soon. We’ve already seen a lot of job offerings from the Corporate side of GameStop so this could be the next phase of the plan. I really think that RC has spent these last few years taking precautions to make sure the company can’t go bankrupt, the last thing he wants is to turn out like Toys-R-Us. A lot of downsizing happened, so now he can start thinking about upsizing again.
I’m not necessarily saying that these things can’t trigger the squeeze, but I am saying that depending on something to start it is just inviting disappointment. I think the ‘no dates’ rule has been sorely forgotten lately with all the hype and speculation around Roaring Kitty’s tweets and stuff. I am a zen ape, it happens when it happens.

*“First of all, it is incredibly important to note your potential biases when determining if someone is just a shill trying to spread FUD. Not all FUD is invalid, someone may bring up a solid point against an otherwise great DD, and that could scare you. Remember that just because you do not like what someone is saying, doesn’t make it invalid. It is important users here work with constructive criticism to refine their theories.”* 

Damn, wasn’t I just talking about this? This critique isn’t going to just be wagging fingers, this is really good stuff that still applies today, and from what I’ve seen apes are doing a great job of distinguishing between FUD and legitimate criticism. I also want to take a second to thank the mod team, especially after their tools were restricted, they’ve been a great help.

*“…but since then retail investors have been buying on every single dip in the price… That's more than two whole months of buying-the-dip. Now, I will not speculate on numbers here, if you want to know more you will have to read the DDs on that.”* 

This is pretty outdated now. Apes have been buying for three years now, and with the advent of Direct Registering we have a much better idea of how much apes hold. I can say with confidence now that retail owns a floats worth of shares. Since there is so much naked shorting, a lot of institutions probably own their own floats too.
I glaze those purple doughnuts, yum.
​
Citadel Has No Clothes, Published March 14, 2021, by u(slash)ATOBITT
Ohhhh, this one is special to me, I read it when it first came out, first time I was there on release night. Let’s see how it hodls up.

*“TL;DR - Citadel Securities has been fined 58 times for violating FINRA, REGSHO & SEC regulations. Several instances are documented as 'willful' naked shorting. In Dec 2020 they reported an increase in their short position of 127.57% YOY, and I'm calling bullsh\*t on their shenanigans.”* 

58 times. I don’t actually know how much that number has gone up, but I’m sure it has. I am reminded of an old saying, that if the punishment for a crime is a fine, then it only a crime for the poor. The crime being done to GME is class warfare, it’s nothing less.

*“$295,347,948,000 of that is split into options (calls & puts), while $78,979,887,238 (20.52%) is allocated to actual, physical, shares (or so they say). The rest is convertible debt securities.”* 

This is why I’m skeptical that it’s even possible for Citadel to get margin called by a normal price run-up. Let’s do some math here. GME’s float is at 232 million-ish shares, let’s say they shorted 300% of that, just to be conservative (lmao), so that’s 696 million. To take what the first post said, Margins don’t get called unless an entities’ collateral becomes less than 80% of what they’ve borrowed. If they use their entire $384,926,232,238 portfolio as collateral, then GME would have to soar to a price of… divide by 4, multiply by 5… $691.32 per share. That may sound relatively reasonable, but I don’t think a normal catalyst would be enough for that. I really think interest rates are the key, think about it, if they have to pay like 30% interest on all of those shares, their portfolio will be reduced by that much (kinda) and we can find a much more reasonable midpoint. Now brace yourselves, I’m about to spend an unreasonable amount of effort on something that is probably wrong because I don’t know shit about fuck about margins or getting called (I have a cash account and I lack rizz).
In order to calculate that we gotta do one of those double equation variable bullshit things we all hated in school, I forgot what they were called but I remember how to do them.
So, we have a few variables:
C = Citadel’s Portfolio = $384,926,232,238
S = Shorted Shares = 696,000,000
I = Intrest = 0.30
X = Price Per Share
Y = Citadel’s new portfolio amount after paying interest
So, X and Y are undetermined, but we have two equations to work with
C – I(X*S) = Y
This one calculates how much money is going to be in citadels new portfolio after paying interest, we calculate the interest by multiplying the cost per share, by the amount of shorted shares, and multiplying that by the interest rate, then subtracting it from their total portfolio.
Y * 1.25 = X * S
This one calculates the total amount those shorted shares have to be in order for Citadel to get margin called, by multiplying their new portfolio by 5/4 and calculating the total cost of the shares.
X * S has a direct value; we can plug the left side of the second equation into the first to get
C – I(Y*1.25) = Y
Now we just gotta isolate Y on one side of the equation.
C = Y + 0.3(Y*1.25)
C = 1.3Y * 0.375
C= 0.4875Y
C * 0.4875 = Y
Y = $187,651,538,216.03
Now we gotta find X, we can just plug in the other stuff.
(Y* 1.25)/ 696,000,000 = X
X = $337.02 per share for shitadel to get margin called on 30% interest.
Holy shit, now that’s what I call reasonable. See how much interest can completely fuck a portfolio? They lost almost half of their portfolio value to a 30% interest to this. This is why the whole market will bleed red on the run up to MOASS, they will have to sell half of their portfolio just to pay the interest.
Citadel is probably not a good example of this, since they print the naked shorts themselves... so they would be paying interest to... themselves... when they borrow them? Citadel is so fucked up, I don't have enough wrinkles for this.
But hey, I think the concept of what I said is fine. High interest rates can reduce collateral and cause margin calls. Hey, just out of curiosity, how much is the borrowing interest rate looking now?
16.5%
SHF are fucked.
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Anyway, I’m writing this on a Wordpad document so I’m not sure if I’ve come up on the character limit, but I think I’m getting close so I’ll end this part here. Please let me know what I’ve got wrong or any insights you want to share, I’ll be sure to talk about any interesting comments when I do a part 2!
TLDR: I am reviewing the Diamond Handbook (2nd) and seeing what has changed in the three years since it’s been compiled. I have a bias in thinking that high borrowing interest rates are what will cause MOASS, and that is shown here. This is not meant to be an impartial analysis, just my thoughts. Not financial advice.

I'm in a unique situation and am looking for advice.
I live in Ontario, Canada and I recently imported my American car into Canada and am looking to insure it. But, here's the problem:

1. I had gotten into an at-fault accident in Jul 2019.
   
2. I missed one month's payment last month on my American auto insurance (Geico) due to not having access to my American bank account (I changed my phone number). This caused my insurance company to cancel my insurance due to a non-payment.
   

Because of these two points, I am considered a high risk driver, and most of the large insurance companies are rejecting me from providing me with auto insurance.
Please help!

My wife and I feel we have made a bad decision with our purchase of BMW 530e. Any maintenance/repairs/oil changes/servicing/etc. comes with such ridiculous price tags that we should have known better not to tread into this territory in the first place... We have an auto loan on it that is about $8000 under water at the moment, got a couple of dings here and there that we don't want to fork up the money to fix since we want to get rid of it, the monthly pay is about $700 (not including insurance, etc)...
We want to get a reliable SUV like a used RX350 V6 (2019 to 2022 maybe?) and just buy it cash, hold onto it till the wheels fall off, and invest what used to be a $700/mo payment. Seems like a good strategy but we are still worried about the big lump sump upfront payment + getting rid of underwater mortgage (=~$8000 loss). We are also currently saving up for a house but considering the terrible real estate market, we weren't sure if it's best to get rid of our auto loan first or just keep saving up and use the money towards the down payment.
Any ideas, suggestions or constructive criticisms would be welcome. Thanks!

My husband was attacked and assaulted at work by a coworker. He was punched in the face, jumped from behind, choked out, and stomped on. He was lying in the floor for who knows how long before regaining consciousness and reporting to HR. He filed a police report and sought medical attention. The company did an internal investigation and fired both my husband and his attacker. The attacker was later arrested and has felony assault and battery charges.
This incident occured at the tail end of March and we received a letter from their insurance company today that makes me pause. My husband has called countless lawyers and many of them say that he has a case for a civil suit. But we can't get anyone to call us back to go forward with filing. He also filed for workman's compensation, but was told it would probably be denied because our state doesn't cover assault. When we were told this, we were given the number for my husband's previous employer's insurance company, so he called them and they did not have much information. They only knew that there was an incident. My husband let them know what happened, including the fact that this man had been hired and fired from the company before for trying to attack someone with a hook before getting rehired and attacking my husband. The lady we spoke to wanted to take a recorded statement from my husband and had me send over the injury photos, police report, and medical bills. When I sent them, they weren't able to open the Google Drive links I sent and I had to re-send everything, so she wasn't able to review them before the scheduled call to take his statement. She still hasn't taken it. Yesterday we received a letter from the insurance company with some forms to fill out and I'm wondering if we should even be talking with these people since they cover the company. The lady we spoke to on the phone even said she couldn't speak with my husband if he had retained a lawyer, which he hasn't yet because we can't get a call back.
We are at a standstill with this right now. I am a stay at home mom to two little boys and my husband is still unemployed and healing from injuries sustained in the attack. We have had to use every resource in our state just to get by and let me tell you, it's not much. We are multiple payments behind on our mortgage and car and we have received disconnect notices from utilities. We have been utilizing food banks. This is not how we want to live. My husband is a hard working man who just wants to make an honest living and provide for his family, but we have no idea what we need to do or if he needs to wait for a workman's compensation decision before trying to get a job, a job he can't even really work because again, he was injured and has not fully healed yet.
Does anyone have advice for how to navigate this? I have applied for mortgage assistance and utility assistance, am in the process of applying for food stamps, and calling our auto insurance company and bank for the car loan to try and see if we can be given a grace period. Nothing has been working out well so far, including getting a lawyer to get back with us. It's a big waiting game and we are really struggling. What in the world do we do? Located in Arkansas.

Hi everyone
Have done a combination of public and private sector economics over the last 6 years and I am now considering going my own way (most likely in 12-18 months or so). A combination of wanting more flexibility and the opportunity for higher earnings are what is driving this decision.
Given my experience in writing reports, conducting evaluations and doing data analysis, I would focus on economic consulting, most likely targetted at the public sector. I came across the Government Contracts Finder website and it seemed to be the case of having to sign up for a hundred or so different procurement systems to bid for anything, is that correct?
Other more general questions:

• Are there any resources you can point to regarding bidding for public sector contracts e.g. what requirements exist around insurance?
  
• GDPR will be something I need to take very seriously, particularly if doing survey work or qualitative interviews/focus groups. Is this something to speak with a solicitor about that specialises in data protection, or are there non-law firms that can help draft GDPR policies, ensure GDPR is followed in terms of internal processes?
  
• In terms of visual design, I will need a website and then create a Word/Powerpoint template. Is this relatively straight forward to do yourself, or is this likely to require some engagement with a contractor as well?
  
• Is it worth me reaching out to my local authority/local enterprise partnership and seeing what support they could potentially offer?
  
• Are there any other general pieces of advice you could provide if you operate in a similar space?
  

On April 9, the driver's door window on my car started moving in a weird way and got stuck part way down, conveniently while I was in the parking lot of a tire and auto shop that I have used for years while I had an appointment to get tires changed and an oil change. I asked them if they could take a look at the window while it was there and they said they would if there was time.
When I returned to pick the car up, they said they didn't have time to fix the window, but they managed to get it up some(although it was now sitting in the weatherstripping in a weird way). The paperwork has a note that the window doesn't go up and they have suggested work on the back for a new window motor and to open the door to diagnose the problem, but I wasn't charged for any window work.
I took the car to a dealer the next day and it turned out that the door was completely destroyed inside, with several bolts ripped out of the steel and the motor moving freely. The dealer said that the window motor cannot do this kind of damage by itself, that it looked like someone tried to pull down the door(and signed a statement to this effect) as well as providing a video of the damage.
It ended up requiring a new door, costing $2,183 in total. I called the complaint number it says on the paperwork from the tire and auto place but I never received a call back. I have a friend who recently convinced me it might be a good idea to sue them in small claims, but I am concerned and was originally not going to sue because it's basically a he said/they said situation and the shop could claim that I did the damage or it was always like that.
Specifically, I would like advice on 2 things:
What things are important to say or not say to the company when I call to complain? Is it illegal to record the call since PA is a 2 party consent state?
Is it wise to try to sue in small claims with limited proof that they caused the damage to the door? My friend suggests that they probably won't show up and I could win a default judgment, but I am skeptical and afraid of turning a $2200 loss into a much larger one, although I would also obviously like restitution as this was a large amount of money to lose and the shop is in the wrong.
Thanks in advance for any advice.

https://legalesedecoder.com/deciphering-insurance-jargon-how-ai-legalese-decoder-can-ease-the-burden-of-a-high-value-claim-after-an-accidental-fire/?utm_source=SocialAutoPoster

Hello! Long story short I got a ticket for driving without insurance, the insurance I had ended 2 month before I originally thought so that was completely on me. I didn’t receive any call or email from my provider that I needed to renew so I also assumed it was an automatic renewal, oops! Anyway I explained this to the officer and I renewed my insurance the next day. I was able to contact the officer and provide my proof of insurance and he called me about a week later to tell me he submitted paperwork to get my ticket dismissed. Well, according to the DMV my license is still set to be suspended, I had asked the DMV if my ticket gets dismissed will my license still get suspended? I was told no, and that if the court decides to dismiss it then my license wouldn’t be suspended.
The officer submitted the dismissal papers about 2 weeks ago, does anyone know how long it would take for the DMV to get a decision from the court? And if anyone has been in the same or similar situation, did your license still get suspended? Thanks in advance!

I got into an accident today and it was my fault. I rear ended someone at a red light. It was a very light tap to the back of their car but I still hit them. There was no damage to either of our cars. I followed car to a parking lot and parked beside a little farther from them because there was no space close to them. Some people got out of the car and went into the store. I got nervous and did one more loop around the parking lot to see if there was a better spot for me to park. By the time I came back, the driver of the car I hit was already gone. I’m not sure if this would count as a hit and run since I did come back. I don’t want to get charged for that, especially since I was there. I also don’t know if that can even be reported since there was no damages to either of our vehicles. I live in MD so that person can file an insurance claim whenever they want or a hit and run claim if they have a dash cam. This was around 16 hours ago and I’m freaking tf out because of this.
More context (not necessary):
I’m only 90% sure I hit the car. I was at a red light and my phone fell on the floor. I had to reach over to get it and I guess I wasn’t pressing the break hard enough so my car was rolling forward. I heard my car beeping letting me know I was getting to close to something so I slammed by breaks. But I was so close to the car that I’m 90% sure I hit it or was 1mm away from hitting it. I also felt a small jerk from car and I don’t know if it was because of my auto lock breaks since I slammed it of because I tapped the car in front of me. As I was driving behind it I looked at the back of their car and couldn’t see any damages. There was no damages on my car either.

I want to replace my insurance company and seek suggestions from folks that are happy with their insurance company, and how they have been treated. I had a lot of damage from the big wind/ice storm in the end of December 2023 to my home. State Farm has been my home and auto insurer for over 25 years, and this was my first insurance claim. The house is located in NE Portland, just a few miles from the Columbia Gorge and in this particular storm the east wind blew furiously for days resulting in many trees blown down and power outages to thousands of homes. My house had damage to the siding, resulting in water leaking into the house. State Farm dragged out processing the claim, and then refused to pay for the siding repairs so I am out of pocket around $16K. Needless to say after being a loyal customer for over 25 years, this doesn’t sit well with me, so I’m looking for a new insurance company. So what could go wrong? After this experience I don’t trust them (insurance companies) and think they are happy to take my money, but turn adversarial when there is a claim they should pay per the contract. So I wondered if there are any honest and ethical insurance companies that treat people right? Thanks in advance!

I want to replace my insurance company and seek suggestions from folks that are happy with their insurance company, and how they have been treated. I had a lot of damage from the big wind/ice storm in the end of December 2023 to my home. State Farm has been my home and auto insurer for over 25 years, and this was my first insurance claim. The house is located in NE Portland, just a few miles from the Columbia Gorge and in this particular storm the east wind blew furiously for days resulting in many trees blown down and power outages to thousands of homes. My house had damage to the siding, resulting in water leaking into the house. State Farm dragged out processing the claim, and then refused to pay for the siding repairs so I am out of pocket around $16K. Needless to say after being a loyal customer for over 25 years, this doesn’t sit well with me, so I’m looking for a new insurance company. So what could go wrong? After this experience I don’t trust them (insurance companies) and think they are happy to take my money, but turn adversarial when there is a claim they should pay per the contract. So I wondered if there are any honest and ethical insurance companies that treat people right? Thanks in advance!

Is insurance card a thing?
I’m trying to claim this title of This car I bought recently and I had to get insurance for it. Ok I find the car insurance I wanted now, so that’s good. Now I’m trying to gather up items I need to bring in order to do this “claiming of title” and I just learned about insurance card.
I’ve never heard about it till now. No one around me talked about it. Wasn’t explain in driver Ed either.
What does it mean? Do I apply for the insurance I want and they mail me the card of proof that I have insurance but in a card form like id ???