Oh, boy, Charlotte, do I have a doozy for you. It’s such a doozy that it comes in 2 parts. I guess it would qualify as petty revenge, since that’s the only flair that fit, but it’s more of an entitled Karen story.
For the sake of telling the story a little smoother, I'm going to explain some things up front. I (female, early 30s; let's call me Molly) am the manager in the accounting office of a very small loan company. Like, really small. We have less than 30 offices with only 2 employees at each office. For this reason, we are kind of low-tech, old-fashioned. I'm talking paper timesheets that get faxed to our office (we're also the corporate office that handles the payroll). Our office hours are 8:30 a.m. to 5:00 p.m. with a half-hour lunch. Me & my employee (who we'll call Sally) work this shift. Our boss (who we'll call Greg) is the owner & CEO. He works in the office starting at 9:00 a.m. till whenever he leaves for the day. Most of the time, that's around the time we leave, sometimes it's earlier due to errands he needs to run.
So, in Oct 2022, Sally (female, early 30s) gave us a note that her doctor wants to have daily appointments with her indefinitely. She let us know she would need to leave at 3:30 every day. Greg granted that request & even gave her the opportunity to come in early so she didn't miss any of her 8 hours each day. So, she began coming to work between 6:45 & 7:00 & would take however long of a lunch she needed to so she would have an 8-hour day.
Due to a combination of our fiscal year-end work in Oct & Nov 2022, playing catch-up from Dec 2022 to Feb 2023, & the other coworker (who we'll call Irene) leaving the company in Feb 2023 so we had to play catch-up again for several months before we got used to the bigger workload, I hadn't been able to pay too close attention to Sally's work. But in the middle of Aug 2023, I began to suspect her. I realized that the tasks Sally had in the morning would usually take me an hour & a half to do, which meant I would be relatively finished by the time I would arrive at 8:30. Sally, on the other hand, would only have stuff halfway done. Now, I knew Sally worked slower than me since I knew the job better than she did, but this still seemed very slow. I began to suspect Sally was either not arriving as early as she said she was (she was the only one in the office before 8:30) or she was arriving on time but wasn't working.
On Aug 21 (Monday), I decided to come in early to the office since I had to make up time due to a doctor appointment later in the week. So, I arrived at work at 6:40. 6:45 rolled around...no Sally. 6:50...no Sally. 7:00...same thing. Sally arrived at 7:20. Now, ok, maybe she ran into traffic. However, that's a bit of a coincidence that the one day I show up early unannounced is also the day she happens to be late. But I waited to see what time Sally would write down on the timesheet. However, she didn't write down her time until Tuesday right before she left. She had written down that she had arrived at 7:05. I asked her about it, and her response was "I must have copied it down wrong from my spreadsheet." That's strange, 'cause you hadn't arrived at 7:05 any other day that week. Just where did you copy it down from?
Now, I am curious as to what time Sally puts down when she believes no one has seen what time she arrives. So, for Sept 4-15, I would arrive in the parking lot across the street & read a book & eat breakfast while I wait to see what time Sally would arrive. Every single day, she would arrive around 7:15 or 7:20, but would write down 6:45 or 6:50, a half hour discrepancy every single day. & we have no way of knowing how long she's been stealing a half hour every day. She could have been doing this for the past year since her schedule changed.
On Sept 18, I write down Sally's actual times from these 2 weeks on a paper & tell her to correct all the times I indicated. Sally says that she will use the office clock to write down her times from now on. Wait a minute, you're saying that your phone is a half hour earlier than the rest of the world? But only when you arrive at work. When you go to lunch & leave work, it matches the rest of the clocks. & then switches during the night so your arrival time can be wrong again the next day? Wow, that's a pretty glitchy phone you got there.
On Sept 20 after Sally left, I installed a camera that connects to an app in my phone. I put the camera in a place where it wouldn't be able to see any computers/paperwork & turned off the microphone (I didn't want to risk any company info being seen/heard). I only needed to see when Sally arrived. Where I ended up placing it, I was able to see Sally where she sat at her desk.
On three of the following days, Sally would arrive 10 to 15 minutes after the time she would write down. I speak with Greg about this, & we decide to write her up. By the way, usually when an employee is caught forging the timesheet like this, it's an immediate termination. At any other office, she would have gotten fired in the beginning of Sept after I first discovered the half hour forgery. I am deciding to give her a chance to make this whole thing right.
On Sept 26 (Tuesday), I give Sally the write up when she arrives.
Sally: I'll sign it, but I don't know why. I mean, I get here at 7:00. (Ok, there's a sign right there. Who signs an official write up when their employer is lying or setting them up?)
Me: I've observed you arriving between 7:10 & 7:15.
Sally reads the write up & then keeps it at her desk for a bit after signing it. After plenty of time, I ask for it back. She grabs it, so I lean forward & hold my hand out (our desks are right next to each other), but Sally flings it at my desk. The whole thing is made better by the fact that Greg is out of town Tuesday thru Thursday. So, Sally proceeds to be angry & have an attitude all the way through Thursday. She refuses to talk or answer the phones. She does that tossing/flicking-papers-around, aggressive-typing, heavily-setting-things-down thing people do when they're frustrated or angry (which she did all...day...long). She sped out of the parking lot & down the street so fast that I could hear her engine rev & tires squeal from inside the building.
On Sept 27 (Wednesday), Sally is still doing that slamming things thing. I enjoy not responding to her whatsoever. I could see out of the corner of my eye that she would slam something down & look at me. I wouldn't give any kind of reaction, wouldn't look at her, & it would piss her off. Sally would then start slamming things around again. I admit, that was fun.
On Sept 28 (Thursday), I see on the camera that Sally arrives at 7:00, but then I watch her sit on her phone for 45 minutes! She is still having attitude issues, &—unbelievably—is still slamming things. After she leaves for the day, I then see the calendar that Sally keeps on her desk as I was passing by. On the box for Sept 26 (the day she was written up), she had written the words "F***ING JOKE!". The audacity of her to write that in plain view of everyone in the office & think she wouldn't get in trouble for it.
On Sept 29 (Friday), Sally arrives at 7:00 but sits on her phone for 30 minutes WHILE VAPING! (Not sure about other cities or states, but it's illegal to smoke or vape inside a building in the city where our office is.) But Greg is back this day, & I had been texting him what's been going on. He had texted back he wanted to do a meeting on Friday. So, the 3 of us go into the breakroom for a meeting.
Greg: So, Sally, what's been going on with this timesheet thing?
Sally: I just, I forget to write down the time when I arrive.
Greg: Ok, well, whether it's done on purpose or through negligence, we can't have wrong times on the timesheet. So, from now on, you won't be able to come to work before Molly gets here at 8:30. Now, are there any other problems you'd like to discuss with us?
Sally: (begins getting worked up) I just, I feel like I can't talk to her. She creates such a hostile work environment.
Now, I am blown away. Me? Hostile? I'm autistic, so I'm naturally shy & hate socializing, so I usually don't talk to anyone very much. Everyone I tell this story to, their eyes widen when I mention this, 'cause there's no way anyone would ever describe me as hostile.
Luckily, Greg interrupts her to defend me: This isn't a hostile work environment.
Sally: (backpedaling) Well, I mean, she gets mad at her printer & bangs on it, & that just flashes me back to stuff. I mean, I'm trying to work on myself & the anxiety, & she just sends me back.
Oh, so now, we're claiming we have PTSD & that my "violent" actions are giving her flashbacks? Um, who is it laughing right along with me every time my printer jams? (By the way, I know she's lying about the PTSD, 'cause I have a couple friends with PTSD & recognize the signs. Sally doesn't show any sign of fear or panic or shrinking away from things, nothing like that. There are no signs whatsoever of her being alarmed by anything I do.) Oh, not to mention the double standards. You're allowed to slam things around (for 3 straight days, by the way), but I'm not?
Anyway, we wrap up the meeting after Greg underlines (for Sally's benefit) that everyone in the office needs to get along.
On Oct 2 (the next Monday), I had a good drive & happened to get there at 8:20. Sally arrives at 8:25 & comes in, stopping at my desk.
Sally: (annoyed) Are you gonna be early all week?
Me: (frowning & caught off-guard) Um, I don't know. It just depends how long my drive takes.
Sally: (with a snarky attitude) 'Cause I had to keep driving around waiting for you, so if you're gonna be early, I'd like to know.
Ok, first of all, no one is forcing you to drive around. You can park your car in the parking lot. Do you really think we're gonna fire you for sitting in the parking lot while you wait for me? We only said you couldn't come in & work before I do. & second, it's none of your business when I get to work. My shift starts at 8:30, therefore, you should aim for 8:30, just like Greg told you to do. How am I supposed to predict the exact minute I get to work? & you're gonna get angry at me 'cause I didn't show up before my shift starts? Since when is it a requirement of mine to come into work before I start working?
Well, a bit of malicious compliance in this entitled story: if I can see I'm going to arrive at work more than 5 minutes early, I stop at the store just down the road & shop until 8:30. 'Cause guess what? Sally gets there who knows how early & sits in the gas station across the street, waiting for me. Fine, you wanna be that way? I can be petty, too.
By the way, Sally has a radio talk show she listens to from before I get to work until it ends at 10:00. I'm not into talk shows, but it wasn't too annoying (most of the time), so I didn't say anything about it. The reason why I started having a problem listening to it was that they would get into inappropriate things (s** toy review, for example). It made me super uncomfortable when they did segments like this. From the moment Sally was written up, she started only listening to the show on her headphones, thinking she was punishing me by me not getting to hear the show. Joke's on her. Sally did me a favor by not having to listen to that thing.
Sally was also told that she is no longer allowed to take smoke breaks on the clock. As no one else in the office takes breaks but chooses to work through them, this change would be made so all employees were equal now. But here’s the interesting thing: Sally suddenly stopped taking smoke breaks at all, but her bathroom breaks grew more numerous & longer. When she had been taking smoke breaks, the alarm on her phone would go off at specific times, such as 2:00. She would then go outside to take her smoke break. After the on-the-clock-smoke-break privilege was taken away, the same alarms would go off, such as 2:00. She would then disappear to the bathroom for 15 minutes. & I even smelled smoke in there when I went in there right after one of these long bathroom breaks.
Ever since the write up, there’s been attitude every once in a while. Most of the time, I have no idea what it is I did that could possibly have set her off that day. All I know is that Sally’s suddenly slamming things around again (hmm, PTSD cured now, is it?). & she’s still constantly making mistakes (like she’s always done).
On Nov 27, Sally is working on the Funding (loan proceeds funded onto a customer’s debit card). What we do is get the list of customers, determine how much the office funded that customer, transfer the money from the office’s bank account to the holding account, & then transfer the total from the holding account to the account that directly funds the debit cards to replenish the money. We had two customers with similar names (say, John Smith & Jack Smith). Sally hadn’t paid attention to the whole name & had applied John’s $0 funding to Jack. However, Jack had been funded $250. So, that money was missed, & I had to make a separate transfer for it.
On Dec 4, Sally is working on the Funding & writes down $0 for a customer. But the report from the office says he actually got $96.
On Dec 8 & 9, we discovered 2 checks that were supposed to be sent to our office (one from Oct, one from Sept). Neither had been cashed, & neither had ever reached us, even though we had the rest of the paperwork that would have come with those checks. Due to the dots I had connected, I had a pretty strong hunch that Sally wasn’t thoroughly checking the mail envelopes to make sure they’d been completely emptied before they got thrown away. I believed these checks were still in some envelopes that were then thrown away by Sally.
On Dec 11, on the bank reconciliation sheets we work at the end of the month (like balancing a checkbook), one of Sally’s offices was out of balance by $68, & she couldn’t find it. I couldn’t find it, either. I pulled out the one done for the month before. I couldn’t find it there, either. But I did notice one thing. The checks that hadn’t cleared the bank yet didn’t add up to the total amount of outstanding checks Sally had written down. By $68. I go back to the month before that one. There were a total of $68 in old checks that never got cashed & therefore should have gotten written off on the fiscal year-end at the end of Oct. But she hadn’t transferred them to the new month’s sheet. So, now, we have to hold onto them for a whole year to write off next Oct.
The same day, I went through all the offices to double check the GL codes that we post the expense checks to (GL codes determine where an expense gets coded, e.g., post an electricity payment to the GL code for utilities). The day previously, Sally had gotten several GL codes incorrect in the Miller office. She had forgotten to change the codes from the one for the Checkbook to the ones for the expense account. She had caught those ones since it affected the balance of the Checkbook, so I had helped her fix those properly. However, there were expense checks sent to a GL code that wasn’t the right one that Sally hadn’t caught.
I talk with Greg, as I feel that every time I turn around, I am either retraining Sally on stuff I’ve trained her on multiple times, I’m correcting mistakes on stuff Sally should know how to do by now (‘cause again, I’ve trained her multiple times), or I’m disciplining Sally about stuff she’s doing wrong. Greg asks how many mistakes due to carelessness she’s made in the last 2 weeks. I check my notes & tell him 4. He says that’s too excessive for an accounting office. We need to write her up.
So, I made the write up, but I just know I’m going to be dealing with the same attitude as the last time I had to write her up. & guess what? Greg’s out of town till Thursday again. I used my phone this time to record the audio of the interaction. That way, if Sally has attitude towards me again, I’m able to play the recording to Greg so he can hear what Sally’s like when he’s not here (which is why the following conversation is pretty much word for word).
On Dec 12 (Tuesday), I sat her down first thing.
Me: So, in the past couple weeks, I’ve noticed some errors happening due to carelessness, & they’ve become a bit excessive for an accounting office. The most important thing in an accounting office is accuracy. That’s why we focus so much on thoroughness & attention to detail. So, whatever needs to happen to lessen those errors, whether it’s slowing the pace of the work itself or double & triple-checking the work before it’s finished, it needs to happen. For example, when I work the payroll, after I get the total for all the offices, I then subtract each person’s individual hours to double check my entries. That way, if there is an error, at least I know it wasn’t ‘cause I was going too fast or not paying attention or something. So, whatever you need to do to decrease the mistakes, please—
Sally: What errors are we talking about?
Me: I have a page here with the items from the last couple weeks. (hand her the write up)
Sally: (reads the pages for a minute) Ok…
Me: So, whatever you need to do to—
Sally: (talking quickly ‘cause she’s pissed now) I’m gonna need more time & focus strictly on Funding. I don’t wanna touch mail, I don’t wanna touch anything else. I wanna focus strictly on that. ‘Cause I’m getting 80 plus a day (which was a lie, we never get nearly that much), & now, I’m gonna start getting in trouble if it’s not 110%. I am human. I will make mistakes. So, if that’s not allowed, then…(shrugs) let me know, I guess. I’ll talk to Greg & I guess figure something out. I am human, & I am gonna make mistakes, A. B, I feel like crap. He (Greg) has been in here sick the last week. I caught whatever he has. I’ve been hacking. I’ve been sicker than sh** the last week. I am trying. You guys usually have until the 12th to close the month. Since I’ve worked here, I’ve closed before the 8th. Yeah, I made mistakes. I told you I made a mistake on the Miller office. I knew what happened. So, to throw it in my face again that I already made that mistake is kinda rude, but…(shrugs) I’m actually kinda shocked to see that on there.
Me: Well, you did catch the errors involving the Checkbook, but there were other mistakes on that office that you didn’t catch, & that’s the reason that was listed on there.
Sally goes back to her work, & I decide to not ask her to sign the write up I had given her right away since she was diving right into the Funding. She had expressed she wanted to focus solely on it to minimize mistakes. I wanted to use positive reinforcement to convey that this was good behavior & good thinking, so I decided to wait for her to finish before asking her to sign & return the write up.
Now, here’s the issues with her little outburst above.

1. Sally is complaining that she’s human & makes mistakes & we’re not allowing mistakes. We’re not saying that she can’t make mistakes, ‘cause she’s right. Everyone makes mistakes; I make mistakes. What we’re saying is that she’s making mistakes much too often.
   
2. Sally says the reason for these mistakes the last 2 weeks is ‘cause she’s been sick the last week or so ‘cause she caught what Greg had (do you see the timing problem there?). Also, these kinds of mistakes have been happening for months & months. I only brought these examples up ‘cause they were recent.
   
3. Sally pointed out the fact that she closes each month really quick. We don’t care how fast things get done. Our goal isn’t to get things done quickly but to get things done accurately. If we happen to get it done quickly, that’s just a bonus. We would rather things go slow than to have errors causing problems or costing us money ‘cause we didn’t take the time to make sure it was correct.
   
4. Sally states it’s rude that I’m throwing her error back in her face (you already know my reaction to that). She obviously doesn’t know how a job works. Just ‘cause we discussed this error already doesn’t mean it can’t go on the write up. This is just one of the examples that required us to do a write up. We’re not doing this ‘cause we want to write you up or that we’re looking for excuses to get you in trouble. We’re doing our job. If a situation needs correcting, we have to correct it. We can’t just ignore it. & obviously, me talking about your errors all these months hasn’t helped. You’re still making the same mistakes. So, now, we’ve had to escalate to a write up on paper.
   

Sally doesn’t say another word. She, as expected, starts doing her tossing-things-‘cause-I’m-pissed-off thing. I just go back to my work. I’ve said my piece, now we can put it behind us & move on.
Now, we have until 10:30 to make the transfers for this Funding program in order to get the money back to the account the same day. We are still missing the paperwork for 2 customers from an office. (FYI, when we’re missing paperwork, we call the office & ask them to fax it. If we still don’t get it when it gets close to the transfer deadline, we call again & just ask for the amount to get it done.) So, at 10:20, Sally turns to me.
Sally: What do I do for these 2 customers? Do I just skip them?
Me: (frowning) Do what you usually do when you don’t have the paperwork in time. Call the office—
Sally: (in a sharp tone) I did. (she’s assuming I mean call the office to tell them to fax it)
Me: (ignoring her attitude outburst) Call up the office & ask for the dollar amounts.
Sally: But I don’t want to write down the amount without seeing the actual paperwork. If I’m gonna get in trouble for errors now, I don’t want to take down what could be the wrong dollar amount over the phone. I mean, I think that’s only fair to me.
Me: In the instances that were mentioned, they weren’t cases of taking down an amount over the phone. They were instances where we had paperwork or a report to see the amount. We would never write you up if there was a possibility that the office gave you the wrong amount over the phone.
Sally stares at me for a second & turns back to her desk. I turn back to my own work as Sally then calls up the office. I had to deal with her attitude the rest of the day: throwing mail into the mailbox, throwing open the letter folding machine so it made a big bang on the table. I was trying to still be the usual friendly, professional person I am at work; I told her “See you tomorrow” & everything. Sally wouldn’t talk to me unless she had to.
This is when I discovered that Sally has a habit of lashing out at me when she gets in trouble. The first write up involved her trying to drag me under the bus by claiming I’m hostile. This time, it was more personal. See, we do a Christmas gift exchange at the office; we each buy each other a gift. I had searched over & over trying to find something Sally would like. I finally found this desk calendar with gnomes on it (she likes both of these things), so I got it & a couple small items. I open my gift from Sally, & among a few cheap little things, I found…Sally’s own nearly empty bottle of nail polish remover. Wow, this is the thanks I get for not firing you back in Sept with the whole timesheet forgery thing?
& this is where I leave you until Part 2, the conclusion.

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.)

I never thought I would have a story to share in one of these threads, but it finally happened. I apologize for the length (so long it has to be split into 2 parts), but this one is a doozy.
For the sake of telling the story a little smoother, I'm going to explain some things up front. I (female, early 30s; let's call me Molly) am the manager in the accounting office of a very small loan company. Like, really small. We have less than 30 offices with only 2 employees at each office. For this reason, we are kind of low-tech, old-fashioned. I'm talking paper timesheets that get faxed to our office (we're also the corporate office that handles the payroll). Our office hours are 8:30 a.m. to 5:00 p.m. with a half-hour lunch. Me & my employee (who we'll call Sally) work this shift. Our boss (who we'll call Greg) is the owner & CEO. He works in the office starting at 9:00 a.m. till whenever he leaves for the day. Most of the time, that's around the time we leave, sometimes it's earlier due to errands he needs to run.
So, in Oct 2022, Sally (female, early 30s) gave us a note that her doctor wants to have daily appointments with her indefinitely. She let us know she would need to leave at 3:30 every day. Greg granted that request & even gave her the opportunity to come in early so she didn't miss any of her 8 hours each day. So, she began coming to work between 6:45 & 7:00 & would take however long of a lunch she needed to so she would have an 8-hour day.
Due to a combination of our fiscal year-end work in Oct & Nov 2022, playing catch-up from Dec 2022 to Feb 2023, & the other coworker (who we'll call Irene) leaving the company in Feb 2023 so we had to play catch-up again for several months before we got used to the bigger workload, I hadn't been able to pay too close attention to Sally's work. But in the middle of Aug 2023, I began to suspect her. I realized that the tasks Sally had in the morning would usually take me an hour & a half to do, which meant I would be relatively finished by the time I would arrive at 8:30. Sally, on the other hand, would only have stuff halfway done. Now, I knew Sally worked slower than me since I knew the job better than she did, but this still seemed very slow. I began to suspect Sally was either not arriving as early as she said she was (she was the only one in the office before 8:30) or she was arriving on time but wasn't working.
On Aug 21 (Monday), I decided to come in early to the office since I had to make up time due to a doctor appointment later in the week. So, I arrived at work at 6:40. 6:45 rolled around...no Sally. 6:50...no Sally. 7:00...same thing. Sally arrived at 7:20. Now, ok, maybe she ran into traffic. However, that's a bit of a coincidence that the one day I show up early unannounced is also the day she happens to be late. But I waited to see what time Sally would write down on the timesheet. However, she didn't write down her time until Tuesday right before she left. She had written down that she had arrived at 7:05. I asked her about it, and her response was "I must have copied it down wrong from my spreadsheet." That's strange, 'cause you hadn't arrived at 7:05 any other day that week. Just where did you copy it down from?
Now, I am curious as to what time Sally puts down when she believes no one has seen what time she arrives. So, for Sept 4-15, I would arrive in the parking lot across the street & read a book & eat breakfast while I wait to see what time Sally would arrive. Every single day, she would arrive around 7:15 or 7:20, but would write down 6:45 or 6:50, a half hour discrepancy every single day. & we have no way of knowing how long she's been stealing a half hour every day. She could have been doing this for the past year since her schedule changed.
On Sept 18, I write down Sally's actual times from these 2 weeks on a paper & tell her to correct all the times I indicated. Sally says that she will use the office clock to write down her times from now on. Wait a minute, you're saying that your phone is a half hour earlier than the rest of the world? But only when you arrive at work. When you go to lunch & leave work, it matches the rest of the clocks. & then switches during the night so your arrival time can be wrong again the next day? Wow, that's a pretty glitchy phone you got there.
On Sept 20 after Sally left, I installed a camera that connects to an app in my phone. I put the camera in a place where it wouldn't be able to see any computers/paperwork & turned off the microphone (I didn't want to risk any company info being seen/heard). I only needed to see when Sally arrived. Where I ended up placing it, I was able to see Sally where she sat at her desk.
On three of the following days, Sally would arrive 10 to 15 minutes after the time she would write down. I speak with Greg about this, & we decide to write her up. By the way, usually when an employee is caught forging the timesheet like this, it's an immediate termination. At any other office, she would have gotten fired in the beginning of Sept after I first discovered the half hour forgery. I am deciding to give her a chance to make this whole thing right.
On Sept 26 (Tuesday), I give Sally the write up when she arrives.
Sally: I'll sign it, but I don't know why. I mean, I get here at 7:00. (Ok, there's a sign right there. Who signs an official write up when their employer is lying or setting them up?)
Me: I've observed you arriving between 7:10 & 7:15.
Sally reads the write up & then keeps it at her desk for a bit after signing it. After plenty of time, I ask for it back. She grabs it, so I lean forward & hold my hand out (our desks are right next to each other), but Sally flings it at my desk. The whole thing is made better by the fact that Greg is out of town Tuesday thru Thursday. So, Sally proceeds to be angry & have an attitude all the way through Thursday. She refuses to talk or answer the phones. She does that tossing/flicking-papers-around, aggressive-typing, heavily-setting-things-down thing people do when they're frustrated or angry (which she did all...day...long). She sped out of the parking lot & down the street so fast that I could hear her engine rev & tires squeal from inside the building.
On Sept 27 (Wednesday), Sally is still doing that slamming things thing. I enjoy not responding to her whatsoever. I could see out of the corner of my eye that she would slam something down & look at me. I wouldn't give any kind of reaction, wouldn't look at her, & it would piss her off. Sally would then start slamming things around again. I admit, that was fun.
On Sept 28 (Thursday), I see on the camera that Sally arrives at 7:00, but then I watch her sit on her phone for 45 minutes! She is still having attitude issues, &—unbelievably—is still slamming things. After she leaves for the day, I then see the calendar that Sally keeps on her desk as I was passing by. On the box for Sept 26 (the day she was written up), she had written the words "F***ING JOKE!". The audacity of her to write that in plain view of everyone in the office & think she wouldn't get in trouble for it.
On Sept 29 (Friday), Sally arrives at 7:00 but sits on her phone for 30 minutes WHILE VAPING! (Not sure about other cities or states, but it's illegal to smoke or vape inside a building in the city where our office is.) But Greg is back this day, & I had been texting him what's been going on. He had texted back he wanted to do a meeting on Friday. So, the 3 of us go into the breakroom for a meeting.
Greg: So, Sally, what's been going on with this timesheet thing?
Sally: I just, I forget to write down the time when I arrive.
Greg: Ok, well, whether it's done on purpose or through negligence, we can't have wrong times on the timesheet. So, from now on, you won't be able to come to work before Molly gets here at 8:30. Now, are there any other problems you'd like to discuss with us?
Sally: (begins getting worked up) I just, I feel like I can't talk to her. She creates such a hostile work environment.
Now, I am blown away. Me? Hostile? I'm autistic, so I'm naturally shy & hate socializing, so I usually don't talk to anyone very much. Everyone I tell this story to, their eyes widen when I mention this, 'cause there's no way anyone would ever describe me as hostile.
Luckily, Greg interrupts her to defend me: This isn't a hostile work environment.
Sally: (backpedaling) Well, I mean, she gets mad at her printer & bangs on it, & that just flashes me back to stuff. I mean, I'm trying to work on myself & the anxiety, & she just sends me back.
Oh, so now, we're claiming we have PTSD & that my "violent" actions are giving her flashbacks? Um, who is it laughing right along with me every time my printer jams? (By the way, I know she's lying about the PTSD, 'cause I have a couple friends with PTSD & recognize the signs. Sally doesn't show any sign of fear or panic or shrinking away from things, nothing like that. There are no signs whatsoever of her being alarmed by anything I do.) Oh, not to mention the double standards. You're allowed to slam things around (for 3 straight days, by the way), but I'm not?
Anyway, we wrap up the meeting after Greg underlines (for Sally's benefit) that everyone in the office needs to get along.
On Oct 2 (the next Monday), I had a good drive & happened to get there at 8:20. Sally arrives at 8:25 & comes in, stopping at my desk.
Sally: (annoyed) Are you gonna be early all week?
Me: (frowning & caught off-guard) Um, I don't know. It just depends how long my drive takes.
Sally: (with a snarky attitude) 'Cause I had to keep driving around waiting for you, so if you're gonna be early, I'd like to know.
Ok, first of all, no one is forcing you to drive around. You can park your car in the parking lot. Do you really think we're gonna fire you for sitting in the parking lot while you wait for me? We only said you couldn't come in & work before I do. & second, it's none of your business when I get to work. My shift starts at 8:30, therefore, you should aim for 8:30, just like Greg told you to do. How am I supposed to predict the exact minute I get to work? & you're gonna get angry at me 'cause I didn't show up before my shift starts? Since when is it a requirement of mine to come into work before I start working?
Well, a bit of malicious compliance in this entitled story: if I can see I'm going to arrive at work more than 5 minutes early, I stop at the store just down the road & shop until 8:30. 'Cause guess what? Sally gets there who knows how early & sits in the gas station across the street, waiting for me. Fine, you wanna be that way? I can be petty, too.
By the way, Sally has a radio talk show she listens to from before I get to work until it ends at 10:00. I'm not into talk shows, but it wasn't too annoying (most of the time), so I didn't say anything about it. The reason why I started having a problem listening to it was that they would get into inappropriate things (s** toy review, for example). It made me super uncomfortable when they did segments like this. From the moment Sally was written up, she started only listening to the show on her headphones, thinking she was punishing me by me not getting to hear the show. Joke's on her. Sally did me a favor by not having to listen to that thing.
Sally was also told that she is no longer allowed to take smoke breaks on the clock. As no one else in the office takes breaks but chooses to work through them, this change would be made so all employees were equal now. But here’s the interesting thing: Sally suddenly stopped taking smoke breaks at all, but her bathroom breaks grew more numerous & longer. When she had been taking smoke breaks, the alarm on her phone would go off at specific times, such as 2:00. She would then go outside to take her smoke break. After the on-the-clock-smoke-break privilege was taken away, the same alarms would go off, such as 2:00. She would then disappear to the bathroom for 15 minutes. & I even smelled smoke in there when I went in there right after one of these long bathroom breaks.
Ever since the write up, there’s been attitude every once in a while. Most of the time, I have no idea what it is I did that could possibly have set her off that day. All I know is that Sally’s suddenly slamming things around again (hmm, PTSD cured now, is it?). & she’s still constantly making mistakes (like she’s always done).
On Nov 27, Sally is working on the Funding (loan proceeds funded onto a customer’s debit card). What we do is get the list of customers, determine how much the office funded that customer, transfer the money from the office’s bank account to the holding account, & then transfer the total from the holding account to the account that directly funds the debit cards to replenish the money. We had two customers with similar names (say, John Smith & Jack Smith). Sally hadn’t paid attention to the whole name & had applied John’s $0 funding to Jack. However, Jack had been funded $250. So, that money was missed, & I had to make a separate transfer for it.
On Dec 4, Sally is working on the Funding & writes down $0 for a customer. But the report from the office says he actually got $96.
On Dec 8 & 9, we discovered 2 checks that were supposed to be sent to our office (one from Oct, one from Sept). Neither had been cashed, & neither had ever reached us, even though we had the rest of the paperwork that would have come with those checks. Due to the dots I had connected, I had a pretty strong hunch that Sally wasn’t thoroughly checking the mail envelopes to make sure they’d been completely emptied before they got thrown away. I believed these checks were still in some envelopes that were then thrown away by Sally.
On Dec 11, on the bank reconciliation sheets we work at the end of the month (like balancing a checkbook), one of Sally’s offices was out of balance by $68, & she couldn’t find it. I couldn’t find it, either. I pulled out the one done for the month before. I couldn’t find it there, either. But I did notice one thing. The checks that hadn’t cleared the bank yet didn’t add up to the total amount of outstanding checks Sally had written down. By $68. I go back to the month before that one. There were a total of $68 in old checks that never got cashed & therefore should have gotten written off on the fiscal year-end at the end of Oct. But she hadn’t transferred them to the new month’s sheet. So, now, we have to hold onto them for a whole year to write off next Oct.
The same day, I went through all the offices to double check the GL codes that we post the expense checks to (GL codes determine where an expense gets coded, e.g., post an electricity payment to the GL code for utilities). The day previously, Sally had gotten several GL codes incorrect in the Miller office. She had forgotten to change the codes from the one for the Checkbook to the ones for the expense account. She had caught those ones since it affected the balance of the Checkbook, so I had helped her fix those properly. However, there were expense checks sent to a GL code that wasn’t the right one that Sally hadn’t caught.
I talk with Greg, as I feel that every time I turn around, I am either retraining Sally on stuff I’ve trained her on multiple times, I’m correcting mistakes on stuff Sally should know how to do by now (‘cause again, I’ve trained her multiple times), or I’m disciplining Sally about stuff she’s doing wrong. Greg asks how many mistakes due to carelessness she’s made in the last 2 weeks. I check my notes & tell him 4. He says that’s too excessive for an accounting office. We need to write her up.
So, I made the write up, but I just know I’m going to be dealing with the same attitude as the last time I had to write her up. & guess what? Greg’s out of town till Thursday again. I used my phone this time to record the audio of the interaction. That way, if Sally has attitude towards me again, I’m able to play the recording to Greg so he can hear what Sally’s like when he’s not here (which is why the following conversation is pretty much word for word).
On Dec 12 (Tuesday), I sat her down first thing.
Me: So, in the past couple weeks, I’ve noticed some errors happening due to carelessness, & they’ve become a bit excessive for an accounting office. The most important thing in an accounting office is accuracy. That’s why we focus so much on thoroughness & attention to detail. So, whatever needs to happen to lessen those errors, whether it’s slowing the pace of the work itself or double & triple-checking the work before it’s finished, it needs to happen. For example, when I work the payroll, after I get the total for all the offices, I then subtract each person’s individual hours to double check my entries. That way, if there is an error, at least I know it wasn’t ‘cause I was going too fast or not paying attention or something. So, whatever you need to do to decrease the mistakes, please—
Sally: What errors are we talking about?
Me: I have a page here with the items from the last couple weeks. (hand her the write up)
Sally: (reads the pages for a minute) Ok…
Me: So, whatever you need to do to—
Sally: (talking quickly ‘cause she’s pissed now) I’m gonna need more time & focus strictly on Funding. I don’t wanna touch mail, I don’t wanna touch anything else. I wanna focus strictly on that. ‘Cause I’m getting 80 plus a day (which was a lie, we never get nearly that much), & now, I’m gonna start getting in trouble if it’s not 110%. I am human. I will make mistakes. So, if that’s not allowed, then…(shrugs) let me know, I guess. I’ll talk to Greg & I guess figure something out. I am human, & I am gonna make mistakes, A. B, I feel like crap. He (Greg) has been in here sick the last week. I caught whatever he has. I’ve been hacking. I’ve been sicker than sh** the last week. I am trying. You guys usually have until the 12th to close the month. Since I’ve worked here, I’ve closed before the 8th. Yeah, I made mistakes. I told you I made a mistake on the Miller office. I knew what happened. So, to throw it in my face again that I already made that mistake is kinda rude, but…(shrugs) I’m actually kinda shocked to see that on there.
Me: Well, you did catch the errors involving the Checkbook, but there were other mistakes on that office that you didn’t catch, & that’s the reason that was listed on there.
Sally goes back to her work, & I decide to not ask her to sign the write up I had given her right away since she was diving right into the Funding. She had expressed she wanted to focus solely on it to minimize mistakes. I wanted to use positive reinforcement to convey that this was good behavior & good thinking, so I decided to wait for her to finish before asking her to sign & return the write up.
Now, here’s the issues with her little outburst above.

1. Sally is complaining that she’s human & makes mistakes & we’re not allowing mistakes. We’re not saying that she can’t make mistakes, ‘cause she’s right. Everyone makes mistakes; I make mistakes. What we’re saying is that she’s making mistakes much too often.
   
2. Sally says the reason for these mistakes the last 2 weeks is ‘cause she’s been sick the last week or so ‘cause she caught what Greg had (do you see the timing problem there?). Also, these kinds of mistakes have been happening for months & months. I only brought these examples up ‘cause they were recent.
   
3. Sally pointed out the fact that she closes each month really quick. We don’t care how fast things get done. Our goal isn’t to get things done quickly but to get things done accurately. If we happen to get it done quickly, that’s just a bonus. We would rather things go slow than to have errors causing problems or costing us money ‘cause we didn’t take the time to make sure it was correct.
   
4. Sally states it’s rude that I’m throwing her error back in her face (you already know my reaction to that). She obviously doesn’t know how a job works. Just ‘cause we discussed this error already doesn’t mean it can’t go on the write up. This is just one of the examples that required us to do a write up. We’re not doing this ‘cause we want to write you up or that we’re looking for excuses to get you in trouble. We’re doing our job. If a situation needs correcting, we have to correct it. We can’t just ignore it. & obviously, me talking about your errors all these months hasn’t helped. You’re still making the same mistakes. So, now, we’ve had to escalate to a write up on paper.
   

Sally doesn’t say another word. She, as expected, starts doing her tossing-things-‘cause-I’m-pissed-off thing. I just go back to my work. I’ve said my piece, now we can put it behind us & move on.
Now, we have until 10:30 to make the transfers for this Funding program in order to get the money back to the account the same day. We are still missing the paperwork for 2 customers from an office. (FYI, when we’re missing paperwork, we call the office & ask them to fax it. If we still don’t get it when it gets close to the transfer deadline, we call again & just ask for the amount to get it done.) So, at 10:20, Sally turns to me.
Sally: What do I do for these 2 customers? Do I just skip them?
Me: (frowning) Do what you usually do when you don’t have the paperwork in time. Call the office—
Sally: (in a sharp tone) I did. (she’s assuming I mean call the office to tell them to fax it)
Me: (ignoring her attitude outburst) Call up the office & ask for the dollar amounts.
Sally: But I don’t want to write down the amount without seeing the actual paperwork. If I’m gonna get in trouble for errors now, I don’t want to take down what could be the wrong dollar amount over the phone. I mean, I think that’s only fair to me.
Me: In the instances that were mentioned, they weren’t cases of taking down an amount over the phone. They were instances where we had paperwork or a report to see the amount. We would never write you up if there was a possibility that the office gave you the wrong amount over the phone.
Sally stares at me for a second & turns back to her desk. I turn back to my own work as Sally then calls up the office. I had to deal with her attitude the rest of the day: throwing mail into the mailbox, throwing open the letter folding machine so it made a big bang on the table. I was trying to still be the usual friendly, professional person I am at work; I told her “See you tomorrow” & everything. Sally wouldn’t talk to me unless she had to.
This is when I discovered that Sally has a habit of lashing out at me when she gets in trouble. The first write up involved her trying to drag me under the bus by claiming I’m hostile. This time, it was more personal. See, we do a Christmas gift exchange at the office; we each buy each other a gift. I had searched over & over trying to find something Sally would like. I finally found this desk calendar with gnomes on it (she likes both of these things), so I got it & a couple small items. I open my gift from Sally, & among a few cheap little things, I found…Sally’s own nearly empty bottle of nail polish remover. Wow, this is the thanks I get for not firing you back in Sept with the whole timesheet forgery thing?
& this is where I leave you until Part 2, the conclusion.

when buying our first house, they looked at our income/bank/credit/etc and we said "we have $20k for a downpayment" and they came back with:

"you are approved for a mortgage up to $500k based on all the above"

But when it comes to moving homes and getting approved for your next home loan, how do they take into account your current liquidity in your house and mortgage?
for example, to make the math easy:

• lets say our house is 400k
• we estimate that we will have 300k in liquidity of the house at the time we are looking to sell/buy
• lets say we upsize and purchase a 500k home

Assume our income/credit/bank is all good for us to have a $600k loan... how do they then factor in our existing loan?

i.e. "you have the income and credit for a $600k loan, but we see you still have an existing mortgage of $100k left, so we are only approving you for $500k unless you have a huge down payment... as we want to be sure you can pay two mortgages"

what I'm trying to figure out is how much down payment is necessary when buying your next house (assuming you will sell your current shortly after)
if we sold our house first THEN got approved for a loan on the next, i wouldn't have this Q. But im confused about buying the next home prior to the current house officially selling.

TLDR:

the point of this is to have an understand of the minimum we should have in a downpayment for a house.
of course the more is better, but we'd hate to have 15% for a downpayment, but then realize that the bank wont give us a loan until after our current house sells and we get that liquid cash to put on the new house

I got my 1st BPI Reward CC., How to use it po ba for installment? Auto installment po ba for example bumili ako cellphone gamit CC then sabihin ko lng ba sa Cashier na for installment 3 months ? Salamat

During the height of my high regard for the Marvel Cinematic Universe (MCU), among the movies of which I had been a major fan were the Captain America releases. At least two of them. The third film in this mini franchise - 2016's "CAPTAIN AMERICA: CIVIL WAR" proved to be a major disappointment for me. However, when I heard that Disney and Marvel Films had plans to air a miniseries about the characters Sam Wilson aka the Falcon and James "Bucky" Barnes aka the Winter Soldier, I must admit that I felt a renewed interest in the franchise again.
When I said a renewal of the MCU franchise, I meant it. Aside from a few movies like "ANT-MAN", "BLACK PANTHER", "CAPTAIN MARVEL" and "ETERNALS"; the MCU had become a major disappointment for me ever since the release of 2015's "THE AVENGERS: AGE OF ULTRON". One might ask . . . what about the MCU television productions that aired on the Disney Plus streaming channel? Aside from one production that I somewhat liked and one that I loved, most of them have been disappointing to me. Unfortunately, I have to include this follow-up to the Captain America movies, "THE FALCON AND THE WINTER SOLDIER".
Set six months after 2019's "THE AVENGERS: ENDGAME", "THE FALCON AND THE WINTER SOLDIER" followed former war veteran/Avenger Sam Wilson, who has resumed working the for the U.S. government, while using his role as the Falcon. When the government recruits Sam to track down and deal with a group of enhanced anarchists known as "the Flag Smashers", former World War II veteran/HYDRA tool/Avenger James "Bucky" Buchannan aka the Winter Soldier decides to join Sam in his mission, due to his lingering guilt as a former HYDRA assassin and their shared experiences as Steve Rogers' close friends and battling Thanos and his army.
Since "THE FALCON AND THE WINTER SOLDIER" had aired on the DisneyPlus channel in six episodes, I had seriously considered ranking the episodes. But like Season three of the Marvel Netflix series, "DAREDEVIL", the more I watched "THE FALCON AND THE WINTER SOLIDER", the more it disappointed me. Aside from complaints about its pacing, the limited series had received a great deal of praise from critics and fans alike. Because of this, I believe it was one of the most overrated productions in the MCU history. People had seemed so focused on little moments and scenes that very few had noticed how the series' narrative seemed to be all over the map. For example:
~\Sam Wilson~* - This limited series is supposed to be a follow up to the events of "ENDGAME" in which Sam had received the Captain America shield from an aging Steve Rogers, a sign for him to take up the latter's costumed role. Was this an attempt by Marvel Films/Disney to make Sam a more relevant character? If so, why? Why did a MCU character have to replace Steve as the new Captain America to be more relevant? Why not allow Sam to continue as the Falcon, only push his role to the forefront as one of the franchise's new leading characters? Some might accuse me of not wanting a black man as Captain America, a topic that was brought up in the series. Frankly, I never wanted another character - regardless of race, gender or ethnicity - to become the new Captain America. That includes Bucky Barnes. Allow Steve Rogers to fade into the background and let Sam (as the Falcon) shine as one of the franchise's new leads. However, the die has been cast. One can only sit back and see if moviegoers are willing to accept Sam as the new Captain America.
Perhaps the MCU had to make Sam the new Captain America in order to make him more relevant. Why would I say that? The showrunner for "THE FALCON AND THE WINTER SOLDIER", Malcolm Spellman, came dangerously close to shoving Sam into the role of the second lead or worst, a role he has been since his debut in 2014's "CAPTAIN AMERICA: THE WINTER SOLDIER" - a supporting character. During the series' first three or four episodes, someone other than Sam (either Bucky Barnes or Helmut Zemo - two white men) made decisions that allowed the plot to move forward, not Sam. He was simply regulated to being an observer or reactor. The series even managed to undermine Sam's decision not to support the Sokovia Accords in "CIVIL WAR". In thee 2016, Sam became the first Avenger to speak out against the Accords and declare his intentions not to sign it. Yet, according to Bucky in this series, Sam had merely followed Steve's example in rejecting the Accords. And Spellman did nothing to allow Sam to correct this misconception.
~\James "Bucky" Barnes~* - One of the few aspects of "CAPTAIN AMERICA: CIVIL WAR" I found enjoyable proved to be the interactions between Sam Wilson and Bucky Buchannan. Despite their lingering jealousy and competition over the role as "Steve Rogers' best friend", the pair's interactions proved to be very entertaining, thanks to the screen chemistry between Anthony Mackie and Sebastian Stan. Unfortunately, Mackie and Stan could not save "CIVIL WAR" for me. Nor could they save "THE FALCON AND THE WINTER SOLDIER", due to its problematic writing. A good deal of that writing surrounded Bucky's character. I have so many questions about his role in this series. For example:
-Why would any official of the Joint Counter Terrorist Center allow Bucky to visit and question Helmut Zemo, the man responsible for the U.N. conference bombing in Vienna, in "CIVIL WAR"? That made very little sense to me. Surely the JCTC authorities remembered how Zemo managed to brainwash Bucky into making his own prison break in "CIVIL WAR"? Also, Bucky was on parole for his activities as a brainwashed HYDRA assassin. Yet, the JCTC had allowed him to visit Zemo? Surely, the showrunner could have allowed Sam, who was serving the U.S. government again, to be the one to visit and question Zemo?
-How on earth did Bucky managed to evade being arrested and charged for helping Zemo escape from the JCTC? The U.S. and other governments should have been suspicious of Bucky after learning about his visit to Zemo.
-Bucky came off as an arrogant school jock, who thought he was entitled to get his way - especially in his interactions with Sam. I found it hilarious that many fans had criticized John Walker aka Captain America aka U.S. Agent for such toxic behavior. Yet, they had turned a blind eye to Bucky's own behavior. And so did the series - up until the last two episodes. Why did the showrunner allow Bucky to get away with this behavior toward Sam for so long without any complaints from the latter?
-I did not care how Bucky had bullied his way into Sam's mission without the latter's consent. What I found even more annoying was the U.S. government's decision to allow Bucky to join Sam's mission after that ludicrous "therapy session" they were forced to attend together.
~\Racism -~* A good number of MCU fans had complained about the inclusion of racism in "THE FALCON AND THE WINTER SOLDIER". I had no problems with this direction, considering the story was about Sam, an African-American man, becoming the new Captain America. However, I had a good deal of problems with how the production explored the topic of racism.
The story of Isaiah Bradley, Marvel's second Captain America, had originated in the comics. In the MCU, he was a Korea War veteran whom the United States Army used as one of several unwilling African-American test subjects for their version of the Super Soldier serum. I realize that both Marvel Comics and the MCU had attempted to use Bradley's experience as a metaphor for the Tuskegee Syphilis Study. The problem is that I cannot see the U.S. government and the Army - both racist organizations in the early 1950s - be willing to risk the possibility of creating a non-white super soldier. Despite the recent desegregation of the Armed Forces in the late 1940s. And both the government and the Army had been more than willing to use white soldiers in other experiments.
After saving a group of black American super soldiers from a prison camp, Bradly was imprisoned by the U.S. government for thirty years. I saw nothing wrong with this twist in the character's narrative, until I remembered two things - Bradley had been able to free his fellow soldiers without anyone's help; and nearly sixty years later, Steve Rogers managed to break into the Raft and free those Avengers who had refused to sign the Sokovia Accord. Why was Bradley unable to free himself from prison? This is the man who had defeated the Winter Soldier by breaking the latter's metal arm. And he was not powerful enough to make a prison break, let alone evade capture?
I had assumed Sam's difficulty in becoming the new Captain America would stem from the government's reluctance to recruit a black man for the position. That would explain their decision to recruit the blond-haired John Walker instead. But the series never really made it clear whether political racism had played a role in Walker's recruitment. The series also had James "Rhodey" Rhodes had paid Sam a visit, emphasizing the importance of the new Captain America being black. As it turned out, Sam's own insecurities about becoming Captain America had more to do with him not initially assuming the role. There was also that interesting scene outside Bradley's Baltimore home where the police arrested Sam during verbal argument with Bucky. Although the cops backed away when they recognized Sam as an Avenger, they ended up arresting the parolee Bucky for missing his required therapy appointment. This scene was supposed to be a case of racial profiling. But . . . we might as well be honest. In the real world, the police would not have backed down from hassling Sam. What I found more disturbing was the production's handling of Bucky's arrest. Once the police discovers that Sam was an Avenger; they turned to arrest Bucky for failing to show up for his missing his therapy session. Not only did the police arrest Bucky with a more gentle behavior, they did so, accompanied by Henry Jackman's mournful score, something that did not accompany the moment of Sam being arrested. Were the audiences expected to notice the hypocrisy and racism in the police's handling of the two men? Expected to feel sympathy for Bucky? Or both?
The last episode featured a scene of two black kids playing with toy Captain America shields. Someone had commented that the shields (especially in the hands of non-white children) represented hope to the future of race relations in the United States. Why? How? This country had a biracial president for EIGHT YEARS. Yet, U.S. racial policies have remained problematic even to this day. I can say the same for other countries. The so-called symbolism of this scene only reminded me of how human beings put so much faith in imagery and symbolism. And this strikes me as a FALSE FAITH. Why was taking up the mantle of a costumed hero that had been previously occupied by a white man, the only way for Sam Wilson to become relevant within the MCU franchise? What was wrong with him being "the Falcon"? Sam becoming the next Captain America was not going to save the U.S. in regard to race relations - not in real life and not in the fictional world of the MCU. Looking back on the series, the series' only scenario that seemed to expose racism in a realistic manner, proved to be Sam's failure to acquire a bank loan for his family's fishing boat in Louisiana.
~\Sharon Carter~* - I am certain many MCU fans are aware of this. One of Marvel Comics' most iconic couples happened to be Steve Rogers aka Captain America and Sharon Carter aka Agent 13. She also happened to be the great-niece of Peggy Carter, Steve's love interest during World War II. Portrayed by Emily VanCamp, Sharon was first introduced as a S.H.I.E.L.D. agent in "CAPTAIN AMERICA: THE WINTER SOLDIER" as a potential love interest for Steve. Despite Sharon's appearance in the following Captain America movie, "CIVIL WAR", their romance never really developed. Many blamed the lack of chemistry between VanCamp and Chris Evans. I never had a problem with their screen chemistry. I had a problem with the lack of relationship development between Sharon and Steve. And I blame Kevin Feige's decision to transform the third Captain America film into a third (and badly written) pseudo Avengers movie. The change in the film's narrative, along with Sharon's failure to appear in "THE AVENGERS: INFINITY WAR" and "ENDGAME", left no opportunity for Sharon and Steve to become the romantic pair they had been in the comics. Instead, Sharon became a fugitive from the U.S. government after helping Steve and Sam hunt down Bucky, moved to Madripoor, a city-state with no U.S. extradition and became an embittered criminal known as "the Power Broker".
After "CIVIL WAR", nearly five years had passed before Sharon appeared in another MCU production - namely this series. And what happened? The franchise, with Spellman, ended up completely destroying her character by transforming her into the villain known as Power Broker, the criminal leader of an Indonesian city-state called Madripoor. After helping Steve and Sam acquire their suits and equipment in order to go after Bucky in "CIVIL WAR", Sharon lost her job with the C.I.A. and became a fugitive. She eventually moved to Madripoor, a city-state with no U.S. extradition, to evade capture, survived Thanos' Snap and became an embittered criminal nicknamed "the Power Broker" in order to survive the new world.
What really pissed me off about Sharon's arc between "CIVIL WAR" and "THE FALCON AND THE WINTER SOLDIER" is that her development into a major villain all happened OFF SCREEN. Off screen. Apparently, screenwriters for "INFINITY WAR" had written a draft that included Sharon in the movie. But according to Christopher Markus, he and Stephen McFeeley could not imagine scenes featuring Steve and Sharon trying to make it work in an apartment, because the 2018 movie did not have time to focus on their personal life. Why did Marvel simply fail to allow Sharon to be part of Steve's vigilante team - like Sam and Natasha Romanoff? I mean . . . good fucking grief! And why did Malcolm Spellman believe the only way Sharon could be interesting was to become a villain in "THE FALCON AND THE WINTER SOLDIER"? This was his idea of improving Sharon's character?
~\Helmut Zemo aka Baron Zemo~* - Why did Malcolm Spellman, Kevin Feige and the MCU thought it necessary to bring back Helmut Zemo, the Sokovian-born villain from "CIVIL WAR"? What role did he play in "THE FALCON AND THE WINTER SOLDIER"? I realize that Bucky, of all people, visited the incarcerated Zemo to acquire information on who had created the super-soldier serum that empowered the Flag Smashers. But why did he believe Zemo could provide the answer? Because he thought HYDRA was involved? Bucky or Sam could have searched for information from sources other than Zemo, who had been incarcerated for . . . what? Eight years? Eight years. Zemo managed to become something of a crowd-pleaser, thanks to Daniel Brühl's performance. Otherwise, I found his presence in this series unnecessary.
~\The Big Bad~* - Why on earth did it take this series so long to finally reveal the main villain's identity? At first, the series hinted the Flag Smashers, led by Karli Morgenthau. However, the series tossed other potential candidates for the Big Bad before viewers - John Walker, Helmut Zemo and yes, Sharon Carter. But in the end, Morgenthau and her group proved to be the main villains.
The Flag Smashers were a group of empowered people who believed the world was a better place between Thanos' Snap and the Blip (resurrection of those who had died during the Snap), when Humans around the world managed to unite and form a borderless society, one in which people helped others without any thought to nationalism and bias. Thanks to the Avengers, the world resumed its conflicts between nationalities and other groups. In other words, the borders returned.
Frankly, I have nothing against this ideal. Only Ms. Morgenthau and her followers resorted to violence and terrorism to achieve their goals. Does this sound familiar? It should. The Flag Smashers proved to be another example of characters with a progressive goal, resorting to extremism and becoming villains. This seemed to be a growing trend within the franchise, which I believe began with Erik "Killmonger" Stevens aka Prince N'Jadaka in 2018's "BLACK PANTHER". Since then, the MCU has not looked back at its growing roster of progressive villains. Perhaps I should not have been surprised. The franchise's ambiguous portrayal of an unconstitutional document like the Sokovia Accords, should have been the wake-up call. It seemed as if Kevin Feige, Marvel Films and Disney Studios had finally exposed themselves for the faux progressives they pretend to be. Frankly, this form of villainy has become tiresome to me.
After writing this article, I had considered ranking the six episodes featured in "THE FALCON AND THE WINTER SOLDIER" anyway. But I decided against it. My dislike of the series made it impossible for me to even bother. Being a fan of the first two Captain America movies, I had truly hoped this series would redeem the franchise. Unfortunately, it proved to be just as disappointing as "CAPTAIN AMERICA: CIVIL WAR". Pity. Perhaps the fourth film, "CAPTAIN AMERICA: BRAVE NEW WORLD" will do the trick. I hope so.

Welcome to a new weekly post on CTUK aimed at people looking to buy a car, be it their first or 15th. Please post car buying queries in this thread rather than starting a new thread in the main queue.
​
**You do not need to use the format required below, but keep in mind the more information you give the bettemore accurate answers you will get.**
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Feel free to add add more information.
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**Location:**
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**Price range:**
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**Lease or Buy:**
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**New or used:**
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**Auto or Manual:**
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**Intended use:** (Daily Driver, Family Car, Weekend Car, Track Toy, Project Car, Work Truck, Off-roading etc.)
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**How many miles do you plan to do a year:**
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**How often to you make long journeys:**
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**Does it need to be ULEZ compliant?**
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**Vehicles you've already considered:**
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[Do you have a vehicle size in mind?](https://i.imgur.com/mK7PoRg.png) (Examples in the hyperlink of size definitions)**:**
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**Is this your 1st vehicle:**
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**Do you need a Warranty:**
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**Can you do Minor work on your own vehicle:** (fluids, alternator, battery, brake pads etc)
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**Can you do Major work on your own vehicle:** (engine and transmission, timing belt/chains, body work, suspension etc )
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**Additional Notes:**
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Please remain on topic and anyone ironically suggesting the Skoda Octavia will be flayed with a set of jumper cables.

Hello everyone, I have been trying to learn DAX over the past couple of months, and there is one issue in multiple calculations that comes up over and over again in my measures- results at the subtotal and grand total level. Very frequently, I need them to display the sum of the results of my measure at the lower levels, and I have seen several solutions online to solve this issue. However, I haven't been able to replicate them in my code.
Here is a sample measure I have been trying to write, but gave up after several hours :
I am trying to calculate a weighted price index at the auto part category level by summing the indexes of individual parts, weighted by the part's contribution to the total category cost.
VAR item_first_appearance =
CALCULATE(
MIN('Calendar'[Date]),
DATESBETWEEN('Calendar'[Date], MIN('Calendar'[Date]), MAX('Calendar'[Date])),
ALLEXCEPT('Production', 'Production'[Auto part name])
) –Find the first month when the part was purchased
VAR base_price = CALCULATE(
'Production'[Average Purchase Cost],
ALLSELECTED('Production'),
FILTER('Calendar', 'Calendar'[Date] = item_first_appearance)
) –Find the price in the first month

VAR item_total = [Total purchase Cost (Currency)] –Find the total amount spent on a specific part

VAR group_total = CALCULATE(
'Production'[Purchase Cost (Currency)],
ALLSELECTED('Production'[Auto part name])
) –Find the total amount spent on the parts in a single category

VAR item_weight = item_total / group_total --Find a share of the part’s total cost for its category

VAR price_index = 'Production'[Average Purchase Cost] / base_price –Calculate the change from the price in the base period

VAR item_weighted_index = item_weight * price_index –Weight the resulting index by the share of the part’s cost in it’s category
The next two variables are the pattern I found online: create a table and iterate it to find the sum of the results item_weighted_index
VAR item_table =
SUMMARIZE(
'Production',
'Calendar'[Date].[Year], 'Calendar'[Date].[Month],
'Production'[Auto part category],
'Production'[Auto part name]
)

VAR weighted_price_index = SUMX(item_table, item_weighted_index)

VAR result = IF(HASONEVALUE('Production'[Auto part name]), price_index, weighted_price_index)
--Return a regular index at the car part level and return the sum of the weighted indexes at the subtotal/grand total level
RETURN
result
Note: I know that with how the measure is written right now, the grand total for all the categories would still produce a meaningless result, but for this measure, it is not really a concern, as I was only planning to display one subcategory at a time, so I am more concerned about the result at the category level.
I have checked the individual parts of the measure, and everything works correctly up until the weighted_price_index part, where the weighted index of each individual part is correct, but the subtotal at the category level is wrong. For example, my visual would display 1.61 in the very first month, even though no filters on the month are being applied. and this is indeed the very first month in my data and the indexes for the individual parts are all 1.
So far, the only workaround I came up with when working with measures like this, was to create a calculated column with the result of weighted_price_index, and then create a different measure to take the sum of this column. But, I feel like this approach is far from the best one, as I might end up creating 10 different columns for 10 different measures, and I saw people dealing with this issue inside the measure itself. Also, in the case of this particular measure, I would end up needing two columns, one with the weighted index for the category, and another one with a regular index, had I needed to create a visualization at the auto part level. So, I would really appreciate it if somebody could help me resolve this issue. Thanks in advance!

Mets (20-25) @ Marlins (15-32)

First Pitch: 1:40 PM at loanDepot park

Team	Starter	TV	Radio
Mets	Sean Manaea (2-1, 3.05 ERA)	WPIX	WCBS 880, WINS 92.3 (ES)
Marlins	Sixto Sánchez (0-1, 5.96 ERA)	BSFL	FOX940AM, WAQI (ES)

MLB	Fangraphs	Reddit Stream	IRC Chat
Gameday	Game Graph	Live Comments	Libera: ##baseball

Line Score - Pre-Game

	1	2	3	4	5	6	7	8	9	R	H	E	LOB
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Box Score

Posted at 10:40 AM. Updates start at game time.
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Hi there,
First post on the Audi S4/RS4 sub. I'm looking at perhaps buying an Audi RS4 of the B8 generation in the near future as a birthday present to myself. I love the looks of the car as well as the fact that the engine is an NA V8 that revs high and sounds great. I am generally a fan of wagons (see my posts for my current car) and therefore also really appreciate the added practicality of the RS4 over the RS5. Four-wheel drive is something I am not used to, however, so it'll be interesting to see how it affects the driving dynamics.
I currently drive a BMW E46 330i Touring with rear wheel drive, a manual gearbox and a 3L NA i6 engine. These cars have solid reliability associated with them, once of course the cooling system has been replaced, and the variable valve timing (VANOS) has been redone after a few 100k kilometres. In my ownership, I've had to spend nearly 1300€ in the first year (purchased for 4800€) to get it in proper running shape, including tyres and rust repair. It's been super reliable ever since, and I'm planning on replacing a bunch of service items as well as the exhaust for a new OE exhaust, so that come sale time, I will probably even make money on the car itself. The reason I'm looking to move on from the E46 is that I've now gotten into a better job that pays significantly more than my last one, and I would like a car with more modern creature comforts and tech, however I would also like to continue to have a car with a soul and good driving dynamics - plenty of that in my E46. Additionally, whenever I do purchase the RS4, I may be in a position to either buy it outright or pay half upfront and finance the rest. Good examples go for 30000-35000€ in Germany.
Coming from an early 2000s BMW , I am aware that a higher strung engine paired with a DCT and an AWD in the RS4 will have more things that can potentially go wrong, and therefore will also have higher associated costs. But at least it's not a hybrid. I wanted to come on here and ask if there are any particular reliability aspects to consider in this generation of RS4, aside from the front diff oil change interval every 30000km, and the main gearbox oil change every 65000km paired with the diff oil change again. Regardless of what the recommended oil change interval is for the engine, I personally plan to take it no further than 15000-20000km between oil changes.
Are these engines prone to spontaneously blowing themselves up? Do they drop valves into the engine? Are they particularly picky about which fuel they need? In Germany I'm sure you can find the right octane rating, but will they, in a pinch, also run on RON95/95E10? Does the dynamic ride control tend to give out really as fast as videos on YouTube suggest? Are there any particular electrical issues that I'd need to chase down?
Lastly, if there are any owners of the B8 RS4 here, how have you liked the car so far? What are your estimated yearly running costs, and how often have you run into issues? If you have the adaptive cruise control/lane keeping and departure warning assists, how well do they work? How is the tech inside the car, can I stream my music from Spotify into the car via Bluetooth, or would it make more sense to retrofit Android Auto/Apple Carplay into the head unit?
Thanks for your help and time! Looking forward to your comments :)

Good morning PFC!
I'm fortunate enough to have a parent kindly offering to lend me the money to buy a new car at a lower rate than the dealership is offering.
The total that my dad is lending me will be in the ballpark of $22,000. Would it be better for him to make a certified cheque directly to the dealer or me? I only ask because I'm putting my own money into the purchase of the vehicle as well and I will need to make one out to cover the balance.
I'm not sure if there are any implications in transferring that sum of money from one person to another and if any particular method would put either of us in an odd spot.
I'll be following an amortized schedule to pay him back in the same way I would with a standard auto loan.
I'm guessing it makes no difference about the number of cheques we give to the dealership as long as it covers the balance of the vehicle.
Any insight is appreciated.

Hi there,
First post on the Audi sub. I'm looking at perhaps buying an Audi RS4 of the B8 generation in the near future as a birthday present to myself. I love the looks of the car as well as the fact that the engine is an NA V8 that revs high and sounds great. I am generally a fan of wagons (see my posts for my current car) and therefore also really appreciate the added practicality of the RS4 over the RS5. Four-wheel drive is something I am not used to, however, so it'll be interesting to see how it affects the driving dynamics.
I currently drive a BMW E46 330i Touring with rear wheel drive, a manual gearbox and a 3L NA i6 engine. These cars have solid reliability associated with them, once of course the cooling system has been replaced, and the variable valve timing (VANOS) has been redone after a few 100k kilometres. In my ownership, I've had to spend nearly 1300€ in the first year (purchased for 4800€) to get it in proper running shape, including tyres and rust repair. It's been super reliable ever since, and I'm planning on replacing a bunch of service items as well as the exhaust for a new OE exhaust, so that come sale time, I will probably even make money on the car itself. The reason I'm looking to move on from the E46 is that I've now gotten into a better job that pays significantly more than my last one, and I would like a car with more modern creature comforts and tech, however I would also like to continue to have a car with a soul and good driving dynamics - plenty of that in my E46. Additionally, whenever I do purchase the RS4, I may be in a position to either buy it outright or pay half upfront and finance the rest. Good examples go for 30000-35000€ in Germany.
Coming from an early 2000s BMW , I am aware that a higher strung engine paired with a DCT and an AWD in the RS4 will have more things that can potentially go wrong, and therefore will also have higher associated costs. But at least it's not a hybrid. I wanted to come on here and ask if there are any particular reliability aspects to consider in this generation of RS4, aside from the front diff oil change interval every 30000km, and the main gearbox oil change every 65000km paired with the diff oil change again. Regardless of what the recommended oil change interval is for the engine, I personally plan to take it no further than 15000-20000km between oil changes.
Are these engines prone to spontaneously blowing themselves up? Do they drop valves into the engine? Are they particularly picky about which fuel they need? In Germany I'm sure you can find the right octane rating, but will they, in a pinch, also run on RON95/95E10? Does the dynamic ride control tend to give out really as fast as videos on YouTube suggest? Are there any particular electrical issues that I'd need to chase down?
Lastly, if there are any owners of the B8 RS4 here, how have you liked the car so far? What are your estimated yearly running costs, and how often have you run into issues? If you have the adaptive cruise control/lane keeping and departure warning assists, how well do they work? How is the tech inside the car, can I stream my music from Spotify into the car via Bluetooth, or would it make more sense to retrofit Android Auto/Apple Carplay into the head unit?
Thanks for your help and time! Looking forward to your comments :)

Warning this is a long read:
Hi there, here's what's up. My husband (26) and I(26) bought a house in 2022 because the place we were renting was sold out from under us and there was nothing available in our area during the rental crisis. We bought a 173,000 dollar house and it's been alright but we definitely settled and hope to move in the next 10 years or less. After we moved we had 6000 in extra money to get us started in this new area. We have no friends or family for support with our children (family lives an hour or more away & are generally uninterested in us or our kiddos unfortunately after many attempts to get them involved) so I work as a waitress in the tiny town we moved to and it averages $5-9/hr most weeks. My husband makes $31 an hour. 3 months after we moved into the house the electrical panel had a surge happen to it and it needed to be replaced because the old owner updated the panel without updating the wiring that went up and out to the road. This is something the house inspector noted as there was a double tap but he wasn't concerned. That cost us $3,000+ right off the bat that we paid in 3 months worth of payments because it's deemed an emergency it cost a lot and we have a well so we had no water for almost 4 days before we finally got it back on... Then my husband's car broke down and my engine blew in my vehicle within 6 months of each other. Both reliable up to that point but both would cost more than the value of the vehicle to replace what broke. So he got a truck and a few months later I got a van from someone I know from the restaurant with cash but with all that's going on we used up a lot of that available money. Well, fast forward to Friday night on his way home from work a vehicle didn't stop at a stop sign and my husband tboned them at 50 MPH even though he was slamming on the brakes. (He's okay-ish but his vehicle and theirs is not). He still owes $9,000+ on the truck because it's on a loan but we didn't have gap insurance it turns out even though we were paying "full coverage" The insurance company is saying less than 5 grand for payout but the vehicle sells for over $10,000 online to buy the same one. 😓 Are we screwed? Do we have to pay that out of pocket and then get another loan for a new vehicle? How are you all functioning alright? We're just trying to live life out here and we keep getting one thing after another that's hitting us no matter what we do. We have a strict budget and have been working towards savings goals and every single time we get something substantial saved it has to be spent it seems.
What would you do?
A)Take the insurance money and use it as a down payment for a cheaper vehicle and just continue payments on the vehicle we don't have but try to put it all on the same loan? For example his truck payment is $220 a month but if we get a payout from insurance should we buy a vehicle that costs around that amount we receive and just keep paying the truck as usual?
B)Sell everything we can and pay it off as soon as possible and then get another vehicle? Because during the summer we could suffer and have 1 vehicle but my husband works 6-6 most days and I wouldn't have a way to work since we have no public transportation in this town or taxis. & Because we have kiddos and no support I was going to have to stay home with them anyways but I can still work the weekends then.
C)Is there a way to just add the remainder of a part of a loan onto another loan? Can I just add the remainder of the truck to the house loan? That way we still have the same monthly payment and kinda start over on paying the house? Right now we have about $3,000 in savings that's available if it's needed but without family and support like I said we kinda can't touch any of that in case of an emergency again.
Our budget works for us USUALLY on a month to month basis but it's so hard to seem to get prepared for these big things that happen every few months or at least twice a year. If there's a good option you can think of please feel free to share. Looking to move onwards and upwards from this pit we're in. We really need advice. Thanks for reading this far if you did.
We live almost week to week at this point unless we wanted to dip into the savings we have which we don't and we need to get propane ($500) & new tires on my vehicle which is paid off. What in the world are we gonna do. I feel like all these things together we're never going to move on from this place or get ahead again.

Important news

This is an incremental update over the 1.12.0-preview and includes several breaking changes.
View the Migration Guide for details on how to prepare for the update.
Also, several new features require having a modern web browser that supports CSS Nesting. If you experience visual glitches - update your browser and/or operating system to the latest available version.
External media in chats is now blocked by default. Enable it manually if required.

Improvements

• Migrated to a new format for user data storage and added support for user accounts. See the documentation: Users.
• Implemented the Data Bank: a method for adding external sources of LLM knowledge. See the documentation: Data Bank.
• Added vLLM as a Text Completion source and Groq as a Chat Completion source
• Added new models from OpenAI (GPT-4o), PerplexityAI (Llama 3 Sonar), and Google (Gemini Flash 1.5).
• Added an ability to select OpenRouter providers in both API modes.
• TabbyAPI: added min_tokens and banned_strings parameters.
• LlamaCpp: allowed JSON schema usage (conflicts with grammar).
• Added the AI assistant contest winner character card (Sakana) to the "Download Extensions & Assets" menu and first run onboarding dialog. There you can also view and download past contest winners.
• World Info improvements: added ability to activate entries using the Vector Storage extension, Example Messages insertion position, weighted and scored inclusion groups, prioritized entries in inclusion groups, support for multiple inclusion groups per entry, ability to delay the entry evaluation until the first recursion step, regular expression type for the entry key, entry duplication, and many more. See the documentation: World Info.
• Settings are now backed up automatically every 10 minutes instead of on startup. Increased the limit of snapshots to 50 per user.
• Added Llama 3 model tokenizer. Claude tokenizer is now initialized lazily.
• Added instruct/context templates for the Phi model, and variants of Llama 3 and ChatML with message names inclusion.
• The "Advanced search" option now sorts the search results by relevance.
• Tags & Folders: added the ability to show only or hide folders. Added a toggle for alphabetical tag sorting.
• Added the ability to hide avatar images in the chat. Reorganized User Settings menu.
• Added the ability to import from AICharacterCards.com and generic URLs using the external import dialog.
• Added a quality setting for image inlining in Chat Completion.
• Forwarded IP whitelisting: can now be disabled with a configuration option.
• Added a console script for server plugin management.
• Various localization improvements.

STscript

• A brand new parser with support for closures, auto-complete, and syntax highlighting. See the documentation: STscript.
• Added a "negative" argument to the /imagine slash command.
• Added "role" and "hidden" arguments to the /messages slash command.
• Added optional "name" argument to the /send slash command.
• Added the /renamechat slash command.
• /summarize can now summarize any text, not just the chat messages.
• /sendas old syntax is now deprecated. Use the new syntax: /sendas name= .

Extensions

• Image Generation: added new NovelAI model, prompt prefixes now support macros.
• Vector Storage: added settings for WI activation and Data Bank inclusion.
• Chat Translation: added an option to translate user input text.
• TTS: MsEdgeTTS is now supported via the server-side plugin. Added a universal playback speed setting.
• Regex: added an ability to run Regex on the WI entries.
• Macros: added {{char_version}}, {{timeDiff}} macros.
• Added more downloadable extensions to the "Download Extensions & Assets" menu. Check them out!

Bug fixes

• Fixed InfermaticAI non-streamed response parsing.
• Fixed start.sh script to allow starting the server from any directory on Mac.
• Fixed a vertical alignment of zoomed avatars in visual novel mode on phones.
• Fixed the main prompt being purged from the prompt manager when disabled.
• Fixed the "Replace/Update card" function with UTF-8 characters in the filter name.
• Fixed text copy not working on messages hidden from the prompt.
• Fixed whole-word WI search to include punctuation and other non-alphanumeric characters.
• Fixed Trigger% being displayed as 0% when imported from external lorebooks.
• Fixed the "Narrate translated" option not working with TTS.
• Fixed first message regeneration on character modification if the message was edited.
• Fixed boolean values matching when searching for WI entries with /findentry.
• Fixed custom ordering of WI entries being able to sort past the header element.
• Fixed auto-selection of settings presets by name match (now requires an exact match instead of partial).
• Fixed multiswipe interaction with response streaming.

https://github.com/SillyTavern/SillyTavern/releases/tag/1.12.0
How to update: https://docs.sillytavern.app/usage/update/

This is a general question about the code autofill (auto-closing brackets). Hard to put in words so hopefully I've done a good enough job of explaining myself.
Question is "how do you auto bracket correctly?" Or "should I just turn auto brackets off somehow?"
I encounter a mild frustration..., sometimes when I go back to an equation that I am writing in an expression and want to add in brackets for example ..
(Made-up example):
Just say you have Original expression 5+5*2 = 15
And I want to add some brackets around the 5s... New code desired correct result should be (5+5)*2 = 20
When I type the left bracket "(", it automatically closes "()" So in the case of the above I would first get ()5+5*2 And then have to delete or cut and paste a bracket. It's fine once or twice but it starts to get a bit annoying
Is there some shortcut instruction that allows me to say highlight the section and "put it in brackets" so I don't have to encounter this bother
or do I just need to decide if I turn off the autobrackets feature altogether etc. (how do you do that?)
If there is no shortcut I'd probably turn it off automatically but if there is I'd rather do the more efficient way if there is one I don't know of. Might be something obvious I'm missing

Working with IP adapters and a comic/anime generating checkpoint, I've been able to create nice consistent face results for a comic.
IP adapter does 70%-80% of the job, and then I go into Photoshop to tune levels/gama, add some characteristic elements (an earring or a tattoo, for example) , and pass it through SD again for final touches. So far, so good!
Where I get lose now is clothing. I download all safepoints from hugging face (https://huggingface.co/h94/IP-Adaptetree/main), but in A1111 some seem to be missing from the list of available processors once I select IP Adapter. For example, I downloadedip-adapter-plus_sd15.safetensors and relaunched SD, but I still can't see it from the dropdown menu.
What I do see is ip-adapater-auto, which I did not download, and I guess this is just part of the script where it attempts to identify the matching model. This I'm basiing on the fact that when I run IP adapter, I see "ip-adapter-auto ==> ip-adapter-clip-g" which tells me it automatically switched to the appropriate preprocessor.
The issues is when I choose ip-adapter-auto from the preprocessor list with ip-adapater-sdxl, I get an error: "RuntimeError: Input type (torch.cuda.FloatTensor) and weight type (torch.FloatTensor) should be the same." I still see ip-adapter-auto ==> ip-adapater-clip-g.
What I'm trying to figure out is:

1. Which preprocessor should I use for clothes, or generic body recognition, like poses? Should it still be ip-adapter-auto? If not, where do I get it from?
2. several documentations say to run the sd15 Preprocessor or sd15 clip. I do have ip-adapter_sd15.safetensors inside /models/ControlNet, but I do not see it on the list. Can this be because of the checkpoint I'm using, a SDXL one?
3. If you have a workflow to copy clothes/poses in SD using A1111, do you mind sharing? I know I can use PS, and I do. I can get by with simple clothing pretty well. But I'm wondering about SD specifically.

Thank you!

Question in regards buying house. I was gifted 30k, and have an additional 20k in liquid cash. wondering what to do with it.
Here is the scenario: Income is 85k annually Debts are as follows: Auto loan : 10k Credit cards : 40k Mortgage : 162k House equity : 180k
For many reasons, I will be looking to buy a new home in the next year. Renting isn’t an option otherwise I would do that.
Should I use the this money to save, invest, house down payment, or pay down credit card debt?

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.
​
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.