Sample loan letter of satisfaction

https://docs.google.com/spreadsheets/d/1xp4IAjQ8BgW16WJM2ZuGa5LQDPoyJSSV2Yp3mE3aOLM/edit?usp=sharing
Each cell has a street address see above sample. then a return and then the city, state and Zip code is on a seperate line, which is great because I can hopefully use that to easily break the two lines apart.
I need to mail a bunch of letters using letterstream.com and they require the City state and zip to either be a separate column or 3 separate columns.
been trying to figure it out via google sheets videos but no luck so far. https://www.youtube.com/watch?v=_RZYr8127fo
thanks for any help

I graduate next spring so I feel like it is too late for me to change my major (probably to business…). I will be getting my B.S in Environmental Science with a specialization in pollution and environmental contaminants. I have done volunteer work in a benthic macro-invertebrate lab (just identifying them) and this summer I am doing a paid field work internship that mostly involves water and stream sampling. How fucked am I at getting a decent paying job that will allow me to survive? Currently have no car and I work at the front desk on a college campus for $11/hr around 18 hrs a week. I maybe spend $60 on groceries every 2 weeks and $700 on rent. I am spending money that I have saved up from a high school job and I’m running low. I noticed a lot of current job listings pay 50k for entry level work, is that reasonable? I would need to get a cacar loan so include that in the payments as well.

The barbarian tribes colloquially referred to as the “Bloodtoil Pack” are not recognized by the Elder Council as a legitimate nation-state or political body. Their ways are bloody and primitive; intentionally so, as they believe civilization a corrupting influence. You will find no embassy or consulate from the Potentate there. The only trade they do is with the Mother Navigators, who still command respect from the Khajiit of that region, and the Minotaur colonists who have brought their Colovian values with them. Nevertheless, since the Treaty of Xylo in 4E 344, they have been recognized by their northern neighbors in the Imperium of Sunnamora and thus remain both politically and economically relevant. Therefore this section of the Guide has been compiled from the letters of diplomats, missionaries, merchants, mercenaries, and anthropologists who have risked life and limb among these peoples.
The capital “city” of Bloodtoil Valley is where representatives of the tribes gather to confer with the High Prophet of the Green about matters both political and spiritual. Lest this hint of civilization fool you, dear reader, may we clarify that this tribal council rarely passes anything resembling “legislation,” and instead exists merely to maintain peace between the ever-violent tribes and discuss dealings with foreigners. The Temple of Bloodtoil itself is an eclectic structure converted from an old Wood Orc stronghold, and the High Prophet of the Green spends much of their time inside “meditating upon the Now.” Once a season (the locals count time in rainy seasons and dry seasons, not years), the High Prophet makes a pilgrimage to Deepwoods to confer with the Green Lady, who is supposedly the “true” spiritual leader of Bloodtoil, though no one except the High Prophet and their inner council has seen her in over a century.
The other spiritual center of Bloodtoil is Elden Root to the south. The Bosmer have regrown the ancient Graht-Oak city since the great calamities of the Second Great War, but how it has already reached the size of the old Elden Root is anyone’s guess. The Bosmer here are bizarre and inbred; some covered in fur with jutting boar tusks, others wearing beards of moss, others still with insectoid eyes and antenna, and more variation than can be described. The natives claim their appearance is a “gift” from the Green. The more logical explanation is that their isolation from the rest of the world and their mating with Beastfolk have brought about such deformities.
Moonmont on the eastern border with Pelletine is the primary Khajiiti settlement. Built up by the comings-and-goings of the Mother Navigators, a visitor could almost forget they are in Bloodtoil and not one of the former Elsweyr states. The Green Prophecy does have some purchase there, namely in the “part of the Green that chooses to be Khenarthi.” The clan mother of the settlement sends a representative to Bloodtoil Valley, but her true power lies in the moon sugar. Many Greenists believe the sugar can be used to make contact with the Spirit of the Now, and her economic power is dominant.
Verrant Morass is the closest thing the Imga have to a settlement. Made up of tree houses and stone huts, they are led directly by a Green Prophet. Indeed, the Imga are the most enthusiastic supporters of the Green Prophecy, and make up the plurality of Green Prophets. Some may see connections to the Prophet Marukh, but that particular Saint is largely despised by his own people. To the Imga of Bloodtoil he represents the obsession with civilization which had kept the Imga subservient to the Aldmeri for so long. Now they despise all things civilized, fixed religious codes most of all. They insist the Green cannot be understood with words or thoughts, only by some mystical “contact with the Now.”
Other peoples also populate Bloodtoil. Barkbite remains a Wood Orc stronghold, and Harpies nest among the trees across the region. The river banks and shorelines are populated with Lamiae, while centaurs and faun roam the Tarlain Heights.
The most recent addition to the Pack are the most controversial. Tired of the constant Bjoulsean raids in Colovia, a few Minotaur clans immigrated to Bloodtoil and rebuilt the city of Marbruk. They brought the Cyrodiilic values of free trade and enterprise with them, practice an elective monarchy in the Cyro-Nordic style, and most horrifyingly of all - especially to the Bosmer and Imga - was their choice to chop down trees and irrigate farms. This resulted in a month of tribal skirmishes in the central jungle until the High Prophet intervened. Part of the truce involved the Minotaurs recognizing the Heavanly Bull, the Storm, and Shezarr as aspects of the Green. Alessia worship, associated as it is with hated Marukh, is heavily discouraged. More economically relevant, the Minotaurs were heavily limited in their lumber and agricultural practices. At the moment, the East Empire Company’s friends in the Tamrielic Bank of Z’en are offering generous loans to help the Minotaurs develop their colony.
In times of war, their armies are generally a motley affair, albeit a terrifying one. Imga “Green Knights” welding bone-lances charge atop their Senche friend-mounts, backed by centaurs and satyrs. Harpies and Goblins riding hippogriffs act as the “army of the air.” Bosmer Stags of Z’en act as spies and assassins. Lamiae drag foes beneath the watery depths, as spriggan mothers turn the trees and soil against invaders. Needless to say, reader, travel in this wildland at your own peril.
_____
I was only in Bloodtoil for a short time. Met some Wood Orcs and Lamias at Haven. They were suspicious of outsiders, and made it clear our ship would be moving along soon. I don't think they were the violent brutes the Company would have you believe, but it is true that they prefer to be left alone. And hopefully it goes without saying those "loans" are anything but generous.

I thought it might be useful to lay out some of the more credible sounding comments and discussion I've seen around "the end" of Giuseppe's career and his disappearance. Nothing here is "officially verified", but I think there's a fair bit of truth in a lot of the information here, and might help point anyone who's interested in the right direction to a better understanding of his story. I've included the ones that make more sense to me/ reflect my own knowledge of the situation.
Giuseppe was living around Canandaigua, NY towards the end, staying with Mary's parents in her childhood home for a period, after they both had left Austin for unknown reasons. I would imagine the reasons would have likely been mental health and/ or money related for both of them (he was approximately 36 years old, at this point). Mary was still shipping movies out for a while around this time - the last order I placed on the website myself was November of 2014 and ended up emailing back a couple weeks later, because she had never sent me any information about receiving the order / shipping it out, in contrast to all earlier orders I had placed. She replied pretty quick though, and told me she had shipped it out earlier - it arrived about a week after. The return address was her parent's place in upper state NY.
Giuseppe's output got increasingly erratic and bizarre over the next couple years, and I wasn't really sure if half the items he was selling there were even real... they would have completely nonsensical descriptions, often like a free association / shitty "beat poetry" kind of thing, usually in all caps, featuring lots of bizarre and offensive language (racial slurs, AIDS references, etc), and the products listed were often things like a "3 minute DVD" for 20 dollars, so I was pretty skeptical / really didn't have much interest. He'd announce a ridiculous amount of new material, I'm talking like 5 new movies and 5 albums every week... The last order I made was for a few of the Austin films and I really didn't enjoy them, and more or less lost interest in any future projects at this point. I would still check periodically just to see what he was posting to the site, just out of curiosity / because a lot of it was really out there. He used to have audio samples for his "albums", and he almost exclusively was posting CDs of him ranting (with a ton of very weird throat clearing and coughing, it almost seemed like a Tourettes thing). His site went down somewhere between March 23, 2017 and July 3, 2017 according to Internet Archive. I can't remember exactly when he stopped adding new items, but it was probably sometime in early 2017.
He was clearly living in and around Canandaigua for a while, for at least 2-3 years, maybe even longer...
February 2017 - a twitter account called "HELP GIUSEPPE" was created and made three posts:

@ thecampaignbook Shia, G.A just came into my local bar needing help. he was stressin bad. hes in canandaigua NY and just stormed out of here
@ AdamRifkin G.A just stormed into my local bar, made it half way through the set up of this account and stormed out. needing you it seems.
@ EdwardNorton Giuseppe Andrews just came into my local bar very alarmed/needing a friend and help.

July 5, 2020 - a YouTube video entitled "What Happened to Giuseppe Andrews? A Short Investigation" is posted, some of the comments that were posted include:

(approx: 2021) I live in a small town called Carlin.. it’s literally 24 miles from Elko Nevada.. back in may of 2019 I was working at a small casino.. Giuseppe would often frequent the casino.. I worked the graveyard shift so it was mostly quiet.. he was polite and even remembered my name and would always ask me how I was.. I was able to get him to take a selfie with him and he even drew some artwork for me.. he told me that I could sell the artwork if I wanted to and fetch a decent price for it.. my husband and I were in the process of buying our first house and I told him no I would frame it and it would be proudly displayed.. he almost started tearing up..I’d happily upload the photo if YouTube would let me..
The same commenter also mentioned, responding to a comment about Detroit Rock City: yeah that was a good movie.. it’s really sad how his life played out.. he told me some sad tales of what he went through

> In early 2018 a man rang my doorbell in Canandaigua, NY. He was disheveled and seemed out of it***. He started yelling at me “I am Giuseppe Andrews, a Hollywood actor. I need you to call the police. “ I was startled and a little afraid but I told him to wait outside and I went in and called 911. He waited on my lawn and the police arrived in about 5 minutes. He spoke to the police in the car and then walked away. I don’t really live within walking distance of anywhere so not sure where he was going. I tried to obtain info from the police about what was going on but was not told anything. Has remained a mystery all these years later and I think people ( other than my neighbors who witnessed it) don’t believe me when I tell the story. Strange but 100% true.***
Some other interesting comments from various accounts, talking about the last stuff he was posting publicly:
> On his YouTube before he start d doing 13 albums in 2 weeks, his gf released a video a bunch of videos that was 4 or 5 hours long of him ranting on a couch with a guy. I think she was documenting it. I wish I would of downloaded it.
> And the next day it was all gone the footage, I have signed copys of DVDs and posters and shit he sent me in the mail.

(A reply from another commenter) - I remember he went on a long rant about various people in Hollywood and whatnot. Someone mentioned him having schizophrenia/paranoia, and while I'm in no way a psychologist or medical professional, it did seem like things were getting progressively more bizarre and unhinged. Given how creative and abstract he was when he initially started with his film making and music, I think it masked what was actually going on ( whether it was drug use, the onset of some sort of mental illness, or a mix of the two ). Earlier on he was still eccentric but seemed more lucid and driven with what he was doing.

> From what I've gathered (also a fan from DRC and Cabin Fever) his mother committed him to an institution and when released, he went to live with his mother. The twitter chick claims to be his fiancé now and he's no longer with Mary. But who knows.

It would turn out that Andrews also suffers from some very severe issues. Having chatted with his mother Giuseppegirl informed me that he has recently been placed in a mental health facility and has begun a 6 month stint in there where he has no access to the internet or anyone other than family members. He had a break up with his wife Mary Beth, who appears in a lot of his films, so it's possible that this is what put him over the edge. I've talked with Adam Rifkin who says he has some of Giuseppe's rarer films, but hasn't talked with the man for a few years now. That's as far as I have gotten in the rabbit hole.

A bigger YouTube channel made a video about Giuseppe's disappearance, titled "What Happened to Giuseppe Andrews? Internet Mysteries", posted Nov. 11, 2021:
(this commenter is different from account who made the earlier comment about ringing the doorbell in NY):

This dude showed up at my parents house 3 years ago in the middle of the night, asking for help and saying he needed to be let in. Absolutely no way was that happening. Long story short we found out after the fact that he was a character in Detroit Rock City & American History X some of my favorite movies
The last video of him I saw was a crazed rant of him yelling about censorship of art. He was real angry and cursing in a vlog style video. I think some people were criticizing him for use of racist language in his films I’m not exactly sure but I saw snippets of his rant and then the video was taken down a month later along with everything else.

1 year ago:
> He currently lives in Elko Nevada after having a schizophrenic break he still lives with his loving mother part time and she takes care of him. I see him around town a lot and only recently found out that he is Giuseppe Andrews. I can answer most questions if you’re curious.
There was also an interesting thread about 4 years ago, on a different subreddit:
https://www.reddit.com/RedLetterMedia/comments/gal55x/giuseppe_andrews/
A few of the more interesting remarks:

After his California days he spent a few years around Austin making films that mostly just starred himself and his wife Mary. Some of these are really good but his minimalism and experimentation are pushed to the limits here. Some are absolute garbage. After this there was a short stint in upstate New York with this same kind of limited style. Shortly into this cycle things for weird then he disappeared. Right before he disappeared he was posting a lot of troublesome content and releasing TONS of music and films with nonsensical names like "fffff" which would be followed up with "fffffffff". I haven't seen any of this stuff.

> I remember the New York era where things kinda went off the deep end. He released a lot of content where he talked a lot. There was quite a few where he would mention that he was desperately trying to reach out to John Frusciante
Has anyone else stumbled across any comments out there, that support this general narrative / add additional context, or perhaps give reason to believe something a bit different? In particular, towards the end with his site and the long drawn out "spoken word albums" / posts he would make? I listened to some of the audio samples when they were on the site years ago and some of it was unbelievably weird, like he was in a totally dissociated state, talking to people who weren't actually there. There were a couple specific celebrities he was "talking to" quite often, John Frusciante was one for sure, and another guitar player from a relatively small band I can't remember now (I looked them up at the time and thought it was particularly weird, as they were like a small time college rock band who had broken up years prior).
One thing I do remember quite distinctly was I was quite surprised when a shot of Giuseppe on a playground with a man and woman in upper state NY was posted to Instagram, a short while after his website went down. If I remember correctly, they were musicians and the caption said something to the effect that he was helping them film a video. At this point I thought he was more or less completely out of it based on what he'd been posting to his website, so I was really surprised that he had connected with some strangers to actually do something like that, but I don't believe there was ever any follow up posts. I haven't been able to find that post since, if anyone ever remembers seeing that, and who the couple were that would be unbelievably helpful to me!
From the bits and pieces that have come out, I feel like I can stitch together a bit of an understanding of how things might have gone down over the last decade, but a lot is still very speculative to an extent. I'm really curious if anyone out there can corroborate some of these stories in any way, or add any additional information!

I was one of those sorry sacks who fell victim to an Art Institute and got a letter confirming forgiveness in full, however my loan is through nelnet, will it still forgive it because logging into the main site still says I have the full loan? I searched their entire help section and then some but cannot find the proper answer to it. If anyone can guide me to more answers I’d be forever grateful!

DAY: May 18 2024

• 5-18-2024 HAVE SMARTPHONES KILLED THE ART OF CONVERSATION? Once upon a time, human relationships unfolded without smartphones. The reality may be hard to recall, so profoundly have these devices transformed the way we relate to the world and others in fifteen years or so. As an anthropologist interested in modernity, I am particularly preoccupied by the impact of these devices on our conversations. In my book, “The End of the Conversation? Words in a Spectral Society” (French original: “La fin de la conversation? La parole dans une société spectrale”), I investigate the pernicious effects of this technology
• 5-18-2024 HOW TO REWARD EMPLOYEES FAIRLY AND IMPROVE TEAM DYNAMICS A recent study has shed light on how to reward employees more fairly and improve team dynamics. The study found that when less skilled employees report their performance voluntarily, they often exaggerate their achievements and ask for higher bonuses. These employees also tend to put in less effort and are less concerned about fairness when sharing their contributions voluntarily. Interestingly, the researchers discovered that requiring employees to explain their contributions leads to fairer decisions about bonus allocation and improves
• 5-19-2024 BILLIONS ARE SPENT ON EDUCATIONAL TECHNOLOGY, BUT WE DON’T KNOW IF IT WORKS During the COVID lockdowns, schools and universities worldwide relied on education technology—edtech—to keep students learning. They used online platforms to give lessons, mark work and send feedback, used apps to teach and introduced students to programs that let them work together on projects. In the aftermath of school closures, the market for edtech has kept on growing. The value of the sector is projected to rise to US$132.4 billion globally by 2032. The problem is that we don’t know very much about how effective many edtech apps or programs
• 5-19-2024 STUDY FINDS CONSUMERS WILLING TO PAY MORE FOR NATURALLY COLORED COTTON CLOTHING Research has looked at consumer attitudes toward naturally colored cotton clothing. The study found that amid increasing concerns over the environmental impact of conventional cotton processing, consumers are willing to pay more for a greener T-shirt.
• 5-18-2024 HOW AI IS SHAPING THE FUTURE OF SALES STRATEGIES In the fast-evolving business landscape, artificial intelligence, or AI, is taking center stage in transforming sales processes, making them more efficient and responsive to the dynamic market demands. A new University of Alabama at Birmingham study titled “AI in Sales: Laying the Foundations for Future Research” highlights the pivotal role AI is playing in reshaping the sales sector.
• 5-18-2024 WHEN CONSUMERS WOULD PREFER A CHATBOT OVER A PERSON Actually, sometimes consumers don’t want to talk to a real person when they’re shopping online, a new study suggests. In fact, what they really want is a chatbot that makes it clear that it is not human at all. In a new study, researchers found that people preferred interacting with chatbots when they felt embarrassed about what they were buying online—items like antidiarrheal medicine or, for some people, skin care products. “In general, research shows people would rather interact with a human customer service agent
• 5-18-2024 NEW STUDY REVEALS THE POTENTIAL OF COACHING EMPLOYEES TO DRIVE NEW STRATEGIC IDEAS In the landscape of modern business, inclusion isn’t just a buzzword—it’s a strategic imperative. Companies like IBM, Volkswagen and Starbucks are moving to more participative strategy development approaches that reflect a growing understanding of the importance of diversity in fostering innovative and creative strategic ideas. Yet the outcomes of inclusive strategy processes often fall short of expectations. A new study in the Strategic Management Journal sheds light on why that may be. In their study of an inclusive strategy process in a large insurance company, Violetta Splitter, along with co-authors
• 5-18-2024 RESEARCHERS SHOW WAYS TO PROPEL PRODUCT SUCCESS New research explores the key strategies that firms should adopt when launching a new product. The researchers say that these strategies depend on the current market view of the product and the firm. Employing the correct one, which might sometimes be collaborating with overtly demanding reviewers or instituting rather challenging pilot tests, ensures that the product launch will go as successfully as possible.
• 5-18-2024 RESEARCHERS DEVELOP ALGORITHMS TO UNDERSTAND HOW HUMANS FORM BODY PART VOCABULARIES An example of the study’s language sample and the words for arm/hand and leg/foot in English and Wolof. Human bodies have similar designs. However, languages differ in the way they divide the body into parts and name them. For example, English speakers have two words for foot and leg, whereas other languages express the concepts foot and leg in one word.
• 5-18-2024 STUDY FINDS AVOIDING SOCIAL MEDIA BEFORE AN ELECTION HAS LITTLE TO NO EFFECT ON PEOPLE’S POLITICAL VIEWS In the weeks before and after the 2020 presidential election, researchers ran a number of tests to try to understand how much Facebook and its corporate cousin, Instagram, may be contributing to the nation’s political divide. One of those experiments—led by Matthew Gentzkow and Hunt Allcott, economics professors at Stanford University—centered on more than 35,000 Facebook and Instagram users who were paid to stay off the platforms in the run-up to Election Day. There’s a lot that researchers could glean from the social media hiatus, including whether people’s political attitudes
• 5-18-2024 USING COMPUTER MODELS TO UNDERSTAND THE DEBATE ABOUT CLIMATE CHANGE Different types of noise and how they act inside or outside the social interaction process. Cognitive biases are among the most important factors that prevent people from changing their minds. Climate change deniers and climate activists often tend to accept only information that confirms their respective opinions on the matter. However, opinion dynamics are also influenced by a factor that the researchers call “ambiguity noise.” Unlike biases, ambiguity noise is variable, depends on many random factors, and leads to inconsistent judgment.
• 5-18-2024 FOR SOME INDIGENOUS SOUTHERN PLAINS TRIBES, AN ORIGINAL FLUTE SONG IS THE FIRST STEP TOWARD MARRIAGE “Warrior with flute” by Timothy Tate Nevaquaya. Used with permission. Credit: Timothy Tate Nevaquaya Every love story is unique, and in traditional Indigenous Southern Plains culture, it begins with an original ballad performed on the flute. In order to win a lover’s affection, and respect among the tribe, each pursuer must compose one good flute serenade. Paula Conlon, a former music professor at the University of Oklahoma, has researched the history and cultural significance of the Indigenous flute since the 1980s. Conlon presents her work Tuesday, May 14, at 9:45
• 5-18-2024 WANT TO BE AN INFLUENCER? OUR RESEARCH SHOWS WHAT YOU NEED TO KNOW FIRST You’re hard at work, lying in a hammock, composing the perfect selfie on the beach. The turquoise sea sets off the idyllic sunset, and just visible though the fronds of a palm tree is the logo of the hotel which is paying you to promote it to your millions of followers on Instagram. Click. The perfect shot. And another typically perfect day in the life of an influencer. Or is it? Certainly a career as an influencer can seem appealing. The work generally involves promoting products or services through sponsored
• 5-18-2024 WHY STUDENTS CHEAT IN ONLINE EXAMS Media psychologists at the University of Cologne have studied how students’ individual needs, conceptions and reasons relate to cheating behavior in online exams. Online exams have become a more common type of exam at universities, especially since the COVID-19 pandemic. They are advantageous because they save time and offer flexibility. However, cheating attempts present a big challenge for lecturers. This is why universities have been working on ways to thwart cheating in online exams by putting organizational and technical measures into place.
• 5-18-2024 WHY STUDENTS CHEAT IN ONLINE EXAMS Trust and distrust in social media coexisted in the study participants. Credit: Emmaline Nelsen Are anti-misinformation interventions on social media working as intended? It depends, according to a new study surveyed over 1,700 participants in the United States, revealing that anti-misinformation features increased users’ awareness of misinformation in social media; but did not make them more likely to share information on social media
• 5-18-2024 MOST CRIME HAS FALLEN BY 90% IN 30 YEARS—SO WHY DOES THE PUBLIC THINK IT’S INCREASED? Seventy-eight percent of people in England and Wales think that crime has gone up in the last few years, according to the latest survey. But the data on actual crime shows the exact opposite. As of 2024, violence, burglary and car crime have been declining for 30 years and by close to 90%, according to the Crime Survey for England and Wales (CSEW)—our best indicator of true crime levels. Unlike police data, the CSEW is not subject to variations in reporting and recording. The drop in violence includes domestic violence
• 5-18-2024 MOST CRIME HAS FALLEN BY 90% IN 30 YEARS—SO WHY DOES THE PUBLIC THINK IT’S INCREASED? Can we truly assess whether someone finds us attractive? Cognitive psychologist Iliana Samara discovered that men, in particular, tend to overestimate the interest of their date. She explains why this may be. “Imagine you walk into a packed bar, looking for a date. Your eyes are naturally drawn to attractive faces. If you’re a man and find someone attractive, you’re more likely to assume they’re also interested in you. “Then, when you approach them, whether you’re a man or woman
• 5-18-2024 MOST CRIME HAS FALLEN BY 90% IN 30 YEARS—SO WHY DOES THE PUBLIC THINK IT’S INCREASED? Having more education has long been linked to better individual health. But those benefits are also contagious, say the co-authors of a new working paper. “It’s not just that the individuals who have more years of education are in better health,” said David M. Cutler, Otto Eckstein Professor of Applied Economics. “It’s that even people with fewer years of education—for example, people with just a high school degree—are in better health when they live around
• 5-18-2024 MOST CRIME HAS FALLEN BY 90% IN 30 YEARS—SO WHY DOES THE PUBLIC THINK IT’S INCREASED? Our research on children in early primary years, show they are better are writing with a pen or pencil than a keyboard. Children today are growing up surrounded by technology. So it’s easy to assume they will be able to write effectively using a keyboard. But our research suggests this is not necessarily true. We need to actively teach students to be able to type as well as write using paper and pen or pencil. Our research Our research team has published two recent
• 5-18-2024 MOST CRIME HAS FALLEN BY 90% IN 30 YEARS—SO WHY DOES THE PUBLIC THINK IT’S INCREASED? The provision of therapies for children and young people (CYP) with Special Educational Needs and Disabilities (SEND) can be an affectively challenging, sometimes procedurally complex, process for the various stakeholders involved. However, the efficiency and effectiveness of this process, are crucial to various outcomes, in particular
• 5-18-2024 HOW DO MINDFULNESS, COMPASSION AND NEED FULFILLMENT AFFECT SATISFACTION IN MIDLIFE MARRIED COUPLES? Many people practice mindfulness or self-compassion techniques in their everyday life as part of their normal self-care routine. Although many studies support the individual benefits of mindfulness and self-compassion, few have focused on romantic relationship outcomes. A new study published in Personal Relationships has examined how mindfulness, self- and other-compassion, and need fulfillment relate to relationship and sexual satisfaction in midlife married couples. The study involved survey results from 640 adults aged 40–59 years who were residing in Canada and were married. Mindfulness is the nonjudgmental attention and awareness to
• 5-18-2024 HOW ENTERTAINMENT BRANDS ARE ADAPTING TO GENERATION ALPHA Growing up, did you play with hyper-sexualized Barbie dolls, boys-only Thomas the Tank Engine trains, or slim, white Disney princesses? If so, you’re not alone, but this is no longer the case for Generation Alpha. Brands like Mattel, once criticized for promoting unrealistic body standards and gender stereotypes, now portray themselves as feminist and progressive. The recent Barbie movie serves as a prime example of this shift. Millennial parents are actively seeking out toys, books and movies to educate their children about life and teach them values that align
• 5-18-2024 STUDENTS WITH DYSLEXIA FACE CHALLENGES TRANSITIONING TO THE WORKPLACE, BUT WITH SUPPORT THEY CAN THRIVE Transitioning from university to the workplace is a critical period in anyone’s life, but it can be especially challenging for students with dyslexia. While academic settings often offer accommodations for people with dyslexia, professional environments often fall short on such support systems. Fortunately, there are strategic interventions that can be established in workplaces to help individuals with dyslexia not only adapt, but excel in their careers. It is estimated that up to 20% of the population has dyslexia and 80% of people with a learning disability have dyslexia
• 5-18-2024 BUSINESSES UNINTENTIONALLY DISCOURAGE DIVERSE IDEAS, FINDS STUDY Businesses influence the ideas they receive from external contributors by unintentionally signaling which ideas they like, a research analyzed 1.44 million ideas to understand how organizations unknowingly shape the ideas they receive. Data came from organizations that asked visitors how they could improve their websites before choosing which ideas to use. Chosen ideas were communicated for all to see.
• 5-18-2024 WHAT’S IN A NAME? A LINGUISTICS EXPERT EXPLAINS WHY SOME BABY NAMES DOMINATE THE CHARTS YEAR AFTER YEAR What do names like Noah, James, Mateo, Mia, Evelyn and Luna all have in common? They’re not only some of the top baby names in the United States, but they also seem to flow off the tongue. And that’s exactly why parents love them. On May 10, the Social Security Administration released a list of the top baby names in the United States in 2023. Liam and Olivia maintained the number one spot in their respective categories for the fifth consecutive year while Noah and Emma also retained second place.
• 5-18-2024 ACCESS TO GARDENS AND CITIZEN SCIENCE HELPS ENCOURAGE CONSERVATION AMONG CHILDREN, STUDY SHOWS Access to gardens and citizen science projects at school can help promote pro-conservation behavior among pupils, a new study shows. Offering children the chance to take part in authentic scientific ecological work and gardening encourages an interest in plants. This can change behavior—to spend more time gardening or to pursue a botanical career—and fuels a positive attitude towards safeguarding the environment, experts found
• 5-18-2024 WHAT PROFESSIONALS EXPECT FROM FUTURE EMPLOYERS Employers who want to attract new talent should recognize diversity and enable inclusion. This is confirmed by a representative study by IU International University of Applied Sciences (IU), which surveyed more than 1,200 trainees and students across Germany. The results clearly show that 75.1% of prospective employees consider it very or somewhat important that companies implement measures to promote diversity and inclusion. This suggests that companies that communicate these measures openly and transparently
• 5-18-2024 RESEARCH LINKS VOTER BEHAVIOR IN PRESIDENTIAL ELECTIONS TO HOUSING MARKET PERFORMANCE If the 21st century has proven anything to the United States electorate, it is that presidential elections are notoriously unpredictable affairs. The seeming randomness by which the country’s electorate chooses its next president has only emboldened polling outlets, talking heads, and amateur psephologists to scrutinize every conceivable variable to give their respective electoral forecasting models a much-needed edge. However, Sherwood Clements, collegiate assistant professor of real estate in the Pamplin College of Business, had an electoral theory that, to the best of his knowledge, had never been explored with regards
• 5-18-2024 RESEARCH LINKS VOTER BEHAVIOR IN PRESIDENTIAL ELECTIONS TO HOUSING MARKET PERFORMANCE If the 21st century has proven anything to the United States electorate, it is that presidential elections are notoriously unpredictable affairs. The seeming randomness by which the country’s electorate chooses its next president has only emboldened polling outlets, talking heads, and amateur psephologists to scrutinize every conceivable variable to give their respective electoral forecasting models a much-needed edge. However, Sherwood Clements, collegiate assistant professor of real estate in the Pamplin College of Business, had an electoral theory that, to the best of his knowledge, had never been explored with regards
• 5-18-2024 MECHANISTIC MODEL SHOWS HOW MUCH GOSSIP IS NEEDED TO FOSTER SOCIAL COOPERATION Gossip often has a negative connotation, but imagine you are part of a group deciding on a job candidate to hire or a local political candidate to back. Candidates who get a good reputation by helping others may be more likely to receive help in the form of a job offer or endorsement, a feedback loop known as indirect reciprocity. Gossip can facilitate cooperation. Previous research has shown that people tend to cooperate more when they think their peers are gossiping about their behavior, gossip
• 5-18-2024 SINGING RESEARCHERS FIND CROSS-CULTURAL PATTERNS IN MUSIC AND LANGUAGE Are acoustic features of music and spoken language shared across cultures? Researchers from the Max Planck Institute for Psycholinguistics in Nijmegen have contributed to a global study of music and speech, published in Science Advances. An international team of researchers recorded themselves performing traditional music and speaking in their native language. In all 50+ languages
• 5-18-2024 NEW RESEARCH REVEALS JUST HOW FEW LGBTQI+ PEOPLE PLAY SPORTS The topic of homophobia in sport has recently made headlines in Australia, with a series of homophobic incidents involving men’s AFL players. These homophobic incidents are usually well-reported in news media, but research has rarely explored the impact on participation for LGBTQI+ people. Fresh research into the problem Our new research is one of the first pieces of academic research in Australia to document how many LGBTQI+ people play and engage with sport. We also explored current levels of discrimination across sport in Australia, and the barriers and enablers
• 5-18-2024 SWIPE RIGHT OR LEFT? HOW DATING APPS ARE IMPACTING MODERN MASCULINITY What it means to be a man is changing. Critical men or masculinity studies is an emerging robust research field that explores how men and masculinity are being transformed by shifting socio-economic, sexual and political conditions in our post-industrial world. Fascinating new male-identifying sub-cultures and communities have emerged, like mushroomcore and dandies. Yet heteronormative masculinity is typically framed as threatening, toxic or maladaptive, as in the case of fragile masculinity. In my years of swiping on dating apps, I encountered different kinds of masculinities, as well as some very offensive
• 5-18-2024 RESEARCHERS SAY AUTOMATED NEWS VIDEO PRODUCTION IS BETTER WITH A HUMAN TOUCH AI-generated videos for short messages are only as well received as manually created ones if they are edited by humans. News organizations—including Bloomberg, Reuters, and The Economist—have been using AI powered video services to meet growing audience demand for audio-visual material. A study recently published in the journal Journalism now shows that the automated production of news videos is better with human supervision. Technology providers like Wochit and Moovly are allowing publishers to mass produce videos at scale. But what do audiences think of the results? Researchers led by LMU
• 5-18-2024 HOW ‘ETHICAL INFLUENCERS’ ENGAGE THEIR AUDIENCES ABOUT SAVING THE PLANET Have a quick think back to the last time you scrolled through social media. Maybe it was this morning, last night or a few minutes ago. What do you recall? One thing you’re bound to remember is the continuous stream of influencers showing off their latest content. These could be videos of influencers discussing the latest skin-care products, the trendiest places to eat, their latest shopping haul or the PR packages they received from various brands. Much of social media influencing is about getting consumers to buy more products.
• 5-18-2024 ALLYSHIP IS ESSENTIAL TO NEW MOTHERS RETURNING TO WORK, SAYS STUDY Returning to work after parental leave can be one of the most challenging experiences for any parents, especially mothers, to navigate. Fortunately, there are simple, kind and thoughtful ways in which organizational members—regardless of formal status, parental identity or gender identity—can help mothers feel supported as they return to work, which can also benefit job satisfaction and maternal well-being.
• 5-18-2024 STUDY FINDS SAYING ‘PLEASE’ MAY NOT BE SO POLITE IN EVERYDAY REQUESTS By kindergarten age, most children have been taught that “please” is a magic word. “Please” is an expression of politeness that shows courtesy and respect, turning a potential demand into a request that will—poof!—magically be granted. But a new study on the ways people make requests of one another suggests that “please” might not be an all-purpose marker of politeness, but rather a more focused, strategic tool to manage frictions or obstacles among family members, friends and even coworkers.
• 5-18-2024 MILITARY RANK AFFECTS MEDICAL CARE, OFFERING SOCIETAL INSIGHTS: STUDY Stock project from Pexels Human relationships are inherently shaped by power dynamics, yet quantifying their impact has remained a scientific challenge. Now, a large new study published Thursday in the journal Science reveals that military doctors give more attention to higher-ranked patients, providing concrete evidence about the privileges that come with elevated status, frequently at the expense of the less powerful. “One of the things we are trying to show is that this is not a military-specific analysis,”
• 5-18-2024 RESEARCHERS DISCUSS CURRENT STATE OF HOMOPHOBIA, TRANSPHOBIA AND BIPHOBIA Gender-neutral bathrooms, conversion therapy and Quebec’s advisory committee on gender identity have been in the news lately. These are polarizing, hot-button issues. While there have been legislative and social advances for LGBTQ+ rights, ignorance and discrimination persist and continue to negatively affect the lives of many. On May 17, the International Day Against Homophobia, Transphobia and Biphobia, UdeMNouvelles asked two Université de Montréal professors and researchers who are experts in the field to share their views.
• 5-18-2024 PICKLEBALL COURTS IN A LEGAL PICKLE OVER THE ASSOCIATED NOISE Experts recommend HOAs and communities consider the “popping” noise associated with pickleball when deciding to build courts near homes. Credit: AIP Pickleball Legal Consultant is a job title that likely did not exist a decade ago, but as pickleball courts infiltrate neighborhoods to satiate an appetite for a sport whose namesake is a snack, communities take issue with the resulting influx of noise. Now homeowners’ associations and city councils face litigation by those whose lives are disrupted by pickleball’s din. Charles Leahy, an attorney, retired mechanical engineer, and former HOA
• 5-18-2024 TECHNOLOGY IS CHANGING HOW COMPANIES DO BUSINESS In the fast-paced world of modern business, technology plays a crucial role in shaping how companies operate. One area where this impact is particularly significant is in the organization of production chains—specifically the way goods are made and distributed. A new study from the Cornell SC Johnson College of Business advances understanding of the U.S. production chain evolution amidst technological progress in information technology (IT), shedding light on the complex connections between business IT investments and organizational design. Advances in IT have sparked significant changes in how companies design
• 5-18-2024 HOW DOES THE US KNOW THAT FORCED LABOR IS HAPPENING IN CHINA? A SUPPLY CHAIN EXPERT WEIGHS IN The Biden administration has added 26 more companies to the list of Chinese textile traders and manufacturers whose goods are blocked from entering the United States because of their alleged ties to forced labor. The banned imports, known as the Uyghur Forced Labor Prevention Act Entity List, names businesses that are said to be involved in exploiting

My loans just got transferred to the new mohela site and I created a login. When I went under my account documents, it showed this repayment schedule change document which has my payment amount tripling in September 2025. My current payment is correct as $404 but I have no idea what that other payment starting for September 2025 means. And I’m not sure why the number of payments for that says 120? I’m like 85 payments done already on these loans towards my PSLF
Picture of my account letter with the confusing payment amount change

Hey everyone! I just wanted to share my success with y'all I have been into manifestion since 2 years now and after alot of failure here's what worked for me and what didn't
ENGLISH ISN'T MY FIRST LANGUAGE SO I'M SORRY IF IT'S HARD TO UNDERSTAND A FEW THINGS YOU CAN FREELY ASK ME AND I'LL TRY MY BEST TO EXPLAIN IT
I finally move out and started my college at a new place and at a new state it was near to impossible because months ago I was financially struggling I had no motivation and felt like I can't get selected by any college because of my grades, My mom and dad didn't even had the money for me to study further and I kinda accepted it but something in me still wanted to try so I tried attracting my dream college which is one of the top buisness university in my country rn I felt anxious and scared and yeah... You guessed it right my online test for that particular University went great but I f-ked up in my university interview still after the interview I clammed myself somehow and forgot that it ever happened I listened to a random subliminal after that lol but somehow with low score and everything I got into that university
After everything I totally forgot about this top University and I prepared for other colleges and kept myself occupied with tests and work (and to my shock I got in all of them) fast forward to the next month I got my results which were very important for my university and bank loan, My exams went really bad because of family problems and I lost my motivation to study even knowing it was important still I couldn't focus but somehow without any prior studying or guidance I manage to pass in all my subject (which was still good cz I thought I'll fail) but I had failed in an additional subject which doesn't gets counted while calculating my overall percentage as it was additional so I was saved by an inch one thing I realised is I had put all my attention, thoughts, listening to subliminal and scripting while desiring my perfect grades but back of my mind it always hit me they my exams weren't good I had a 44 subliminals in my exam success playlist which idk is the reason that I got lesser than what I desired my marks to be. At the end everything worked out anyway and the bank nor the university stopped me due to my marks lol
Now here comes my another problem after receiving my offer letter I saw the fees and no way I could afford that but I always went to sleep thinking it happened and I'm in front of my dream university standing there admiring it and soon after a month a distinct relative of mine called my dad and told him he will fund my living expenses and everything I was over the moon to hear that (we aren't really close but that relative of mine still wanted to help to his own willingness) and after that I applied for a loan to cover my college fees and here you would need connections with the bank employees to get your process done fast or it would take upto a month to get approved (I had already emailed the university admission council to extend my fees deadline so I needed that money badly) but idk how an old friend of my mom got in contact with her and told us he could help me with that he had alot of connections in the bank which made the process fast. Also in my college process I just listened to one subliminal and that too I haven't consistently give it a thought or attention Maybe that's the reason why I got into that prestigious university.
I still don't exactly know what I did wrong while manifesting my exam desired marks a little guidance on this would be helpful for me to work on what really went bad from my side.
Currently I'm still in my hometown just waiting for my bank to approve my loan this week and then I'll be moving to my new appartment at a new place next month :)

Hi, I'm purchasing a local pizzeria, partially with seller financing (40%) and partially with an SBA loan (60%). The SBA loan also includes an amount equal to the seller financing, intended to cover operaing costs for startup.
And, because I anticipate many readers asking the obvious question: Yes, I will be working with a business lawyer ASAP, before we create the purchase agreement. Right now I'm working on the letter of intent because that is one of the requirements for the SBA review process, and I hope to submit it tomorrow morning.
I have an SBA template for letters of intent, and it covers alot of my needs, but I'm uncertain of how to include language to define the offered seller financing.
The SBA LOI section on the "seller note" seems like the obvious solution, but I would love some advice on how to adjust the wording to match my needs. The base text is:
"(c) Seller Note. Seller agrees to carry a promissory note in the amount of $ ____________. Accrual of interest would be permitted on the Seller Carry Note, but no payment of principal nor interest would be permitted for the first twenty-four (24) months after loan closing. The balance at that time could then be amortized up to seven (7) years or more and/or paid off by the Buyer. Repayment of Seller Carry Note is subject to permission, in writing, from the SBA lender and SBA."
I intend to adjust the timeframe dictating repayment, because the goal is to repay a chunk using the SBA loan, and then amortizing the rest for repayment within 2 years.
But, is that blank intended to be filled in with the entire sale price amount, or should it reflect only the 40% they have offered to finance?
Or does the seller financing need a completely different section to the document, or just a further definition of how the promisory note is intended to be repaid.
The Seller is also willing to finance the entire aquisition, but we both prefer not to go that route.
Any advice on how to modify this document to meet my needs is appreciated!

Hi, I'm purchasing a local pizzeria, partially with seller financing (40%) and partially with an SBA loan (60%). The SBA loan also includes an amount equal to the seller financing, intended to cover operaing costs for startup.
And, because I anticipate many readers asking the obvious question: Yes, I will be working with a business lawyer ASAP, before we create the purchase agreement. Right now I'm working on the letter of intent because that is one of the requirements for the SBA review process, and I hope to submit it tomorrow morning.
I have an SBA template for letters of intent, and it covers alot of my needs, but I'm uncertain of how to include language to define the offered seller financing.
The SBA LOI section on the "seller note" seems like the obvious solution, but I would love some advice on how to adjust the wording to match my needs. The base text is:
"(c) Seller Note. Seller agrees to carry a promissory note in the amount of $ ____________. Accrual of interest would be permitted on the Seller Carry Note, but no payment of principal nor interest would be permitted for the first twenty-four (24) months after loan closing. The balance at that time could then be amortized up to seven (7) years or more and/or paid off by the Buyer. Repayment of Seller Carry Note is subject to permission, in writing, from the SBA lender and SBA."
I intend to adjust the timeframe dictating repayment, because the goal is to repay a chunk using the SBA loan, and then amortizing the rest for repayment within 2 years.
My questions are: is that blank intended to be filled in with the entire sale price amount, or should it reflect only the 40% they have offered to finance? (Note: The Seller is also willing to finance the entire aquisition, but we both prefer not to go that route.)
Or does the seller financing need a completely different section to the document, or just a further definition of how the promisory note is intended to be repaid?
How should I modify this document to best fit my needs?
ps: I am cross-posting this on other subreddits that are more focused on legal questions.
Text modified to clarify my questions to make this post more in line with the intended format of this subreddit

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.)

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.

Just got in the mail letter dated earlier this month!!! I signed up online in 2022

Osap converted a student grant I was given to a loan because failed to verify my incomce and my parent's income for a certain year within 12 months of the start of my study period.
For that year, I was a new comer to Canada and I didn't even have a SIN number for most of it, so I wasn't really sure what they were asking me or even how to verify it. My parents also had left Canada many years ago.
I learned that all I needed was to send them a signed paper confirming that but it was already too late. I later tried sending that to them but they never accepted it The amount is 6.7k$.
The latest communication from the ministry is as follows: "While the ministry acknowledges receipt of a letter of explanation and income verification documentation, the ministry identifies no grounds to process your documentation past the deadline. Please be advised, as you fail to submit acceptable documentation to verify income within the deadline, your 2018 - 19 OSG funding has been converted to a re-payable loan and added to your loan balance owing at the NSLSC For more information about possible review options or if you have questions regarding the grant conversion, please contact the financial aid office at your Ontario school."
Has this happened to anyone? What are my options really?

Osap converted a student grant I was given to a loan because I failed to verify my incomce and my parent's income for a certain year within 12 months of the start of my study period.
For that year, I was a new comer to Canada and I didn't even have a SIN number for most of it, so I wasn't really sure what they were asking me or even how to verify it. My parents also had left Canada many years ago.
I learned that all I needed was to send them a signed paper confirming that but it was already too late. I later tried sending that to them but they never accepted it. The amount is 6.7k$.
The latest communication from the ministry is as follows: "While the ministry acknowledges receipt of a letter of explanation and income verification documentation, the ministry identifies no grounds to process your documentation past the deadline. Please be advised, as you fail to submit acceptable documentation to verify income within the deadline, your 2018 - 19 OSG funding has been converted to a re-payable loan and added to your loan balance owing at the NSLSC. For more information about possible review options or if you have questions regarding the grant conversion, please contact the financial aid office at your Ontario school."
Has this happened to anyone? What are my options really?

Hello Ladies and Gents, it’s been a while since I’ve been active in Rep-land but I am happy to be putting words back on print with a mini review for a mini bag! I have a few weddings to attend to this coming summer so I knew I would need a handy sidekick to spruce up my looks. Naturally, the purse closet had nothing to wear (y’all know what I mean) so I turned to social media to look for inspiration and found this mini beauty from Loewe! My sister was in the market for a Loewe Puzzle and she wanted to get one from Hyper Peter, so I tacked on asking about my Flamenco. Thank goodness for my handy rolodex of rep resources, HP had both bags we wanted in stock!! A little bit of a wait due to HP being on much needed vacation, but in the end, he delivered and happy to report both bags are stunning!
About the author: I am a Loewe Lover through and though. The Puzzle has my heart and I’ve convinced my sister to get one for herself. We frequent the Loewe store often and it’s been a bad habit of mine trying on their bags. I always wanted this mini Lambskin baby so when the situation presented itself, I decided to go for it and buy at the same time as my sister! Been a replady since OG RL days but stepped a way from Reddit for a bit to put a cap on my spending habits (it was going a bit overboard especially when I started buying 18K reps…)
PHOTO TIME!!
My photos ❤️
HP does not usually disclose factory or factory pics and I didn’t ask but I know he has amazing Loewe Puzzles. Example 1 / Example 2
NO PSPs Opted out because I am an old time buyer of his.
~Authentic on Loewe website~ And this review was helpful too for details and mod shots! Also Purseblog’s 60 second review.
Disclosure: I didn’t receive a discount or anything in exchange for this review
Seller: Hyper Peter
Whatsapp: +44-774-303-8638
Instagram: Hyperpeter7
Product: Loewe Flamenco Mini in Nappa Lambskin
Price: 1300 yuan plus 480 yuan (for shipping 2 bags) Fedex shipping no branded Loewe box total 1540 yuan or $213 usd
Paid by: Wise
Timeline:
⏳ Messaged Peter and paid on April 3
⏳ Confirmed with Peter that the bags are available April 3-4
⏳ Opted out of the PSPs because of the additional charge, Peter showed me pictures of the actual bag he sells and I figured it would be similar enough to it.
⏳ May 14 received the bags, worth the wait in my opinion!!
QUALITY:
1. THIS LEATHER IS BUTTERY!!! I can’t express how supple and luscious this lambskin is in words! It is incredibly soft, zero hint of dryness, thick yet malleable. It actually looks and feels very very close to the auth Loewe Flamenco I fondled at the store, buttery AF!
2. The pouch shape is correct, with correct stitching on the base of the bag and the top section that bunches up randomly in buttery folds (hence the name of the bag because the ruffles mimic a Flamenco dancer’s dress!) that look both elegant and casual at the same time. The opening of the pouch is cinched at the top with two leather knotted drawstring straps which can be used as the handles for this bag (as a low key clutch), but as a security feature, there’s also a magnetic closure that seals the opening of the bag, perfect for keeping your goodies in the bag!
3. This bag has not 1 but 2 straps! A beautiful “donut” ring strap with interwoven leather in alternate lacing and the second strap is an adjustable leather cinch strap that slides long and short depending on whether you want to use it as a shoulder bag or cross body!
4. The only other hardware of the bag is in the snap clasps which are nicely weighted and match the yellow gold tone of the donut chain. All function as needed.
ACCURACY:
1. Here are the dimensions of the auth Mini Flamenco: – Weight: 0.18 kg , Height : 17 cm ,Width : 23 cm , Depth : 5.5 cm. Admitedly I don’t have a scale so can’t weigh this bag myself but obviously for it’s size it’s very light. Here’s what I got for my measurements: Height : 17 cm, Width : 24 cm, Depth : 5 cm. I’d say this is a good match for the dimensions.
2. The first strap, the leather knotted version is removable and adjustable with a minimum length of 82 cm and max of 142 cm. The donut chain strap is 36 cm for mine.
3. The Donut strap gold tone is yellow, perhaps a touch more yellow than auth, but the luster and gloss is correct, it also is very dependent on lighting so I am not docking points off this because it’s verry hard to judge if you don’t have the auth next to it.
4. The shape, engravings and weight of the hardware are a good likeness for the auth. The snap hooks on the strap are the correct shape, have good functionality and are correctly branded with the Loewe logo.
5. Everything about the leather is just delicious. I can’t complain because I remember the auth being very similar in feel to the softness and density of this nappa lambskin. The burgundy shade is pretty much an exact match to the auth. The knotted drawstrings do not feel flimsy, the thickness and density are appreciated and even for a small bag, I don’t need to baby it.
6. The make/craftmanship of the bag is top notch. The suede lining is well lined, stitched well and no loose or faulty craftmanship anywhere. The pouch opening leather is well folded and stitched over.
7. I will deduct points for the thread being a shade too light compared to the auth. I am not too fussed about it but I did want to call that out for those who are concerned with the minute details. Taking one point off here.
8. Interior suede is thick, has good dense feeling and has a very nice texture. The interior datecode and logo match the auth well.
WFIMB:
Well this bag is teensy weensy, so other than my phone, a pack of issues, a cardholder, a compact and lipstick I am not really adding anything to it….I mean, what do you REALLY need at a wedding except for these few items?! A pack of gum or tictacs? Easy peasy, done deal. At any rate, whatever essentials you’d need for dressing up, this baby can handle it and that’s all you need in here anyways!
SATISFACTION:
I honestly didn’t expect to love this bag so much, but now I see any ladies love it and say it’s a good part of their collection. I was on the hunt for a small but practical bag, and with all the different ways this bag can be carried it’s quickly becoming a standout for any time I need a small elegant but functional bag for parties or nights out.
It’s my first burgundy colored bag (I was initially going to get the black) but I am glad I went for this pop of color. The burgundy is very deep, classy and understated in color but still pleasant to the eyes. I am not considering getting a puzzle in the dark burgundy as well just because this color is growing on me.
SELLER SATISFACTION:
Peter has always been one of my go to sellers. I know there have been many members who feel jilted that his communication has been few and far in between but I took the patient route and just waited for my bag to arrive (my order took over a month from start to finish, by the way). I actually appreciated his apology letter in his Monthly Seller intro. Perhaps it’s because I am a seasoned rep buyer and also a long time client of Peter’s so I was sure I would get my bag in the end. I find the best way to enjoy repping is to not stress over the small stuff and trust the process (and your gut of course). The mods here do an awesome job of guiding and advising when it comes to reviews and sellers so I knew that if I needed help, they’d have my back. But in all honesty, my bag arrived to me safely, my payment and ordering process were smooth sailing and the bag itself was certainly within my budget. For all these reasons and more, Peter will always have a top spot in my rep rolodex for reliable bags and service.
THE WRAP UP:
This bag is divine and being quite nonchalant about what others think or say, I would proudly wear this to any party or date night I go to. I would likely not flaunt it around my usual Loewe store (those SAs all recognize me) but I wouldn’t mind wearing it into a high end department store. My sister’s puzzle is absolutely accurate to the authentic though, I will help her write up a review for that one when I get a chance. I’d give Peter’s Loewe gold stars for the incredible value for the price!

The global rhinoplasty market is projected to grow at a significant CAGR of 6.4% to 2027, reaching a value of USD 6.16 billion by 2027. The primary drivers of this growth include rising awareness about aesthetics and physical appearance. The influence of social media has particularly encouraged the younger population to consider cosmetic surgeries like rhinoplasty. Additionally, higher income levels and the increasing popularity of medical tourism have further boosted market expansion.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=145792
Market Trends:
Increasing Popularity of Minimally Invasive Procedures: Advances in medical technology have led to the development of minimally invasive rhinoplasty techniques. These methods, such as the use of injectable fillers and laser treatments, offer significant benefits including shorter recovery periods, reduced pain, and fewer complications compared to traditional surgical methods. These advantages make minimally invasive procedures an attractive option for patients who seek aesthetic improvements without the extensive downtime associated with conventional surgery.
Rising Influence of Social Media and Celebrity Culture: Social media platforms play a crucial role in shaping public perception of beauty standards. Influencers and celebrities frequently showcase their cosmetic procedures, including rhinoplasty, leading to increased awareness and acceptance among the general public. The aspirational aspect of social media encourages individuals, particularly younger demographics, to pursue cosmetic enhancements to emulate the looks of their idols. This phenomenon has significantly contributed to the growing demand for rhinoplasty procedures.
Growing Acceptance of Cosmetic Surgery Among Men: The stereotype that cosmetic surgery is solely for women is rapidly changing. An increasing number of men are now seeking rhinoplasty to enhance their facial features, driven by societal shifts towards greater acceptance of male grooming and aesthetics. Men are becoming more conscious of their appearance and are willing to undergo cosmetic procedures to achieve their desired look. This expanding demographic is contributing to the overall growth of the rhinoplasty market.
Technological Advancements in Rhinoplasty: Technological innovations are revolutionizing rhinoplasty procedures. The use of 3D imaging and computer-assisted surgical planning allows surgeons to create detailed, personalized surgical plans. These technologies provide a clearer visualization of the expected outcomes, enabling more precise and predictable results. Additionally, the integration of robotics and advanced surgical tools is enhancing the accuracy and efficiency of rhinoplasty procedures, leading to improved patient satisfaction.
Expansion of Medical Tourism: Medical tourism is becoming a significant driver of the rhinoplasty market. Patients from countries with high healthcare costs are traveling to destinations where they can receive quality medical care at more affordable prices. Countries like South Korea, Brazil, and Turkey are popular for their expertise in cosmetic surgery and offer competitive pricing, attracting international patients. The rise of medical tourism is supported by improvements in global connectivity, better healthcare infrastructure, and the availability of skilled surgeons in these regions.
Market Opportunities:
The rhinoplasty market presents significant opportunities driven by various factors. The increasing popularity of minimally invasive procedures and technological advancements such as 3D imaging and computer-assisted surgery offer avenues for innovation and enhanced patient outcomes. The expanding acceptance of cosmetic surgery among men and the influence of social media and celebrity culture further broaden the market demographic. Additionally, the rise of medical tourism provides opportunities for growth in regions known for high-quality, cost-effective healthcare services. Enhanced awareness and accessibility, coupled with the trend towards personalized and customized procedures, create a favorable environment for market expansion. Offering comprehensive post-surgery care and support services can also differentiate providers and improve patient satisfaction, thereby driving long-term growth and success in the rhinoplasty market.
According to the recent report published by RC Market Analytics, the Global Rhinoplasty Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the rhinoplasty market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the rhinoplasty industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/rhinoplasty-market/
Geographically, the rhinoplasty market report comprises dedicated sections centering on the regional market revenue and trends. The rhinoplasty market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Rhinoplasty market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Rhinoplasty Market Segmentation:
By Treatment Type:

• Augmentation
• Reduction
• Post-traumatic
• Reconstructive
• Revision
• Filler
• Others (Ethnic Rhinoplasty, Refinement Rhinoplasty)

By Technique:

• Open Rhinoplasty
• Closed Rhinoplasty

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Major players in the global rhinoplasty market include Allergan, Sientra, Inc., Johnson & Johnson Services, Inc., Medartis, Implantech, and TMJ Concepts. These companies are expanding their presence through market expansion, new investments, introducing innovative services, and strategic collaborations. By entering new geographical markets and pursuing acquisitions, they aim to gain a competitive edge and leverage joint synergies.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=145792
Key Questions Answered by Rhinoplasty Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Rhinoplasty market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/