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monster factory men:

monster factory women:

Story Time: in 2012, when I still lived in Florida, I used to work for a credit union, and I had the absolute worst manager and assistant manager. They were sloppy, lazy, and offloaded their work onto other people. No biggie; I’m grown and I can handle my job and not stress because I’m damned good at it. Problem: the manager and assistant manager, who happened to be best friends in real life, also happen to be very, very conservative older women. I’m talking like, hardcore conservative Christians, the kind who are not very good people and are very unlike Christ. I don’t make it a point to tell people I work with my business because when you work, you’re busy and you don’t want to burden other people, right? At least, I don’t. Subject of my love life comes up after a while of me staying in my lane, and I’m also not a liar, so I casually mention that I happen to be gay and I’m dating someone at the time. The change in my managers was almost immediate. From that point on they tried their utmost to make my life miserable, but I wasn’t going to break. Fast forward about a month after this mess and one of the tellers, Tanika, and I have become really good friends, and she pulls me aside one Monday morning to tell me that she overheard the manager and assistant manager talking about firing me, and she didn’t want to get too involved, but she didn’t think it was fair so she wnated to give me a headsup. Here’s the best part: these asshats are SO lazy that they literally say - or so Tanika tells me- that they’ll wait for the end of the week to do it, because otherwise they would have no one to cover my Wednesday shift, and they’d have to sit on the teller line, and no siree Bob, they’re too good for that! Too important! Too. Fucking. Lazy. Immediately I type up a two week notice at my station, print that shit out, and take it to that sloppy ass manager in her sloppy ass office. They have no receipts on me, but these people will find anything and use it to get rid of you if they can, and I’m not having a forcible termination on my record and dealing with how that will look to future employers. Keep in mind that I’m not supposed to know that they’re planning on firing me, and I’ve done my homework on company policy about two week notices (they had just changed it in January, and it was February). I give her the paper, sit in front of her, tell her some cock and bull story about needing more time for school. She looks upset, tells me to leave the letter, and go back to my station. I pull out a second copy of the letter and say: “Sure! But, first, I need your signature on this one, which is my copy of the two week notice.” Her face was a Goddamned mask at this point, but I could tell she was burning up inside. She’s trapped; she has to either sign it and pretend everything is fine, or she refuses and I go in on her for her “suspicious behavior” and call her higher ups. She signs my copy. I go back and finish my day. Day ends and the assistant manager comes to me and tells me they have spoken to the president of the credit union and they have decided to terminate me anyway. Tells me I need to turn in my drawer and vault keys immediately and leave the premises. I refuse; “I’m not leaving until we count my drawer down together, I have a printed and signed copy of my balance, and you have signed paperwork confirming that I have given you all keys back.” She has no choice. I walk out with all necessary paperwork, get home, and immediately email the credit union president telling him what happened and how I think it’s utterly unprofessional for an employer to behave this way. He calls me the next day to my personal phone, and tells me the manager and assistant manager both told him I had quit on the spot and walked out without so much as a goodbye. I tell him I have a signed two week notice from the manager, because this sloppy ho can’t even keep own story together for five minutes. He tells me to photocopy it and email it to him. I do. Tells me he is going to have a discussion with the manager and call me back ASAP. Calls me back, apologizes profusely, and tells me that I shouldn’t have been treated as such, so he offers to pay me for the two weeks I had give notice for, ON TOP of an extra two weeks of compensation, and I didn’t even have to show up to the branch anymore. He was paying me a full month for no work to make up for the situation. First paycheck comes in, and I put on my best outfit. Pick out the hottest shit in my closet that says: “I look incredible” but also “I have free time and you don’t” and “enjoy working here while I get paid while napping at the beach,” and I walk my happy little ass into that bank to pick up my paycheck like:

Happily greet the manager and assistant manager, who are both there like:

Say hello to my friend Tanika, who is at the teller line like:

Enjoying the fuck out of this show, right? Like, she can’t say it out loud, but she’s fucking living for this goddamned circus and it’s written all over her face! I talk to her and loudly tell her how amazing it feels to have four weeks off with pay, and how polite and nice the bank president is. Then I walk my happy little ass out of the bank like:

But not before saying bye to the manager and assistant manager and reminding them that I’ll be back in two weeks to pick up my next check, “probably right before I head to Key Largo for the weekend.” …and that’s the story of how I once absolutely wrecked two people who thought they could use their positions of power to come for me unfairly, and a story I’ll be telling my grandchildren so they know, as grandpa knew on one February morning of 2012, that you take bullshit from absolutely no one.

rodbunnyslay-deactivated2017040

Fucking amazing!! 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽

catblog-weatherwax

such inspiration!

How the Panthers wished the game was going right about now. #PanthersVsBroncos #SB50

#PanthersVsBroncos #SB50

Phone Battery Life 🔋

forevrdreamingofbetterthings

aparadisereality

Or that people spent 30 billion dollars they didn’t have to begin with.

forevrdreamingofbetterthings

overdraft fee

feralkwe-deactivated20210912

overdraft fees are just another way to punish people for being poor or tight on money.

grrspit

So, just in case someone doesn’t actually know, your typical overdraft fee works like this - if you have 25 dollars in your account, spend 26 dollars, the bank will process that amount but then charge you a fee of (typically) 35 dollars.

They’re also prone to doing really shady things like, if in the above situation you put in a deposit of 26 dollars to try and cover the amount, they will process the debit before the credit and you’ll still wind up in the hole.

So this isn’t a situation where people are spending 30 billion dollars they didn’t have. It’s a situation where people who literally don’t have the money to spare are being used as a source of profit.

eldritchsandwich

I got hit like that when I was really broke I put in money then got gas but it processed the gas first but It took me a while to figure it out because the bank I was at put the overdraft fee on the savings the next month which caused an overdraft fee to go to the checking the next month which caused two overdraft fees one from the overdraft fee and one from an insufficient funds fee the next month on the savings. This was all after getting my account set up Specifically to refuse a transaction if I didn’t have the funds in an attempt to avoid overdraft fees.

vvatchword

Working for Wells Fargo was the biggest eye-opener I ever had. There’s this misconception that you can set up your card to refuse a transaction if there are not enough funds on your account. What I discovered was that it’s kind of difficult to stop overdrafts. That’s because it’s not just the banks–the vendors complicate the process, too. Let me explain.

Now, you can set up your card to refuse a transaction if there isn’t enough money on it–at that particular moment in time. Vendors do not always request payment at once–they can request 5-7 days later! Here’s a reasonable example.

Notice how the payment actually went through on the 22nd, but it says the payment was authorized a day prior? This is typical. Usually it’s processed within one business day, and you may see a pending transaction reflected in your balance. However, sometimes no pending transaction shows up–the finalized transaction will simply materialize the following day, arms flung open, crying, “WHAT NOW.” This is further complicated on weekends and holidays, when nothing is processed and it’s up to you to keep track of your funds. (Remember, weekend purchases are processed on Monday night, so you probably won’t see them until Tuesday morning!) Even better, different companies will request payment at different times. Starbucks and Subway are particularly bad about charging later rather than sooner (sometimes as late as a whole week!), whereas Wal-Mart requests payment instantaneously.

So if your account currently has $10 in it and you try to spend $25, the vendor should decline your card. Cool. But what if you have been shopping all day, and the vendors haven’t processed all of your transactions yet? Your account will look like it has $100 on it and when you swipe your card for that $25 purchase, it goes through. Then the other vendors ask for money the next day. Wham, bam, overdraft fees. You know what makes this better? When the vendor’s payment request is denied, so the vendor REPEATEDLY ASKS FOR THE FEE TO BE PAID. Usually they stop requesting after three attempts, but there are some vendors who will request far more often. So even as you’re scrambling to cover the overdraft fees you got hit with the previous day, you may get hit with MORE payment requests, which cause MORE overdraft fees.

Just as importantly, purchases involving the manual entry of your debit card number–such as online payments–won’t always decline. Yeah, even if you don’t have enough in your account! I don’t know why this is. It seems to depend on the company.

Long story short, DON’T RELY ON YOUR ONLINE BANK STATEMENT ALONE. You’re only safe if you manually keep up with your funds yourself. I highly suggest keeping a check register, which you can print out for free here, download as a free app for your iPhone, or receive for free at your bank. It definitely takes more time to log each purchase, but it’s very easy to forget how many payments you’ve actually made–and much easier on the wallet than overdraft fees.

((By the by, I wanted to add my support to the sentiment in this post–overdraft fees are absolutely horrific. One $35 charge is bad enough. Just being in the RED is bad enough. But then they stack. At Wells Fargo, they can stack 4 a day, and if the customer isn’t paying attention it’s like getting hit with an atomic bomb. The fuck does Wells Fargo need $35 per overdraft for? It pays jack-shit in interest for your savings and CDs–like one or two cents per month, no lie!–makes money hand over fist, and then hammer-kicks its poorest customers in the teeth. If you’ve ever had to sit on the phone with a person weeping bitter tears because a paycheck bounced and they got hit with $280 in fees–fees you can’t completely return due to bureaucratic red tape–let’s just say that you stop parroting the “lol well be more responsible” party line.))

forevrdreamingofbetterthings

Wow thanks for the info!!

#long post #information #reference

bulbabushka

Pretend ur invasive self hating thoughts r being said to u by a 13 y/o boy on xbox live trying to get a rise out of you like “Your girlfriend dumped you because you’re ugly” that’s nice tim isn’t it past ur bedtime

pearfacts

Gemini: (breathes)

luke skywalker: may the force be with you

padawans: and with your spirit

kylo ren: and also with-

kylo ren: wait

kylo ren: they changed it?

kylo ren: when did they change it?

crownkillers

the notebook problem: you see a notebook. you want to buy the notebook. but you know you have like TEN OTHER NOTEBOOKS. most which are STILL EMPTY. you don’t need to notebook. you’re probably not gonna use the notebook anyway. what’s the point? DONT BUY THE NOTEBOOK. you buy the notebook.