ML- Paybacks are a B1TCH!

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WealthManager's picture
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I understand the need to have a contract to repay the costs of training but when do the costs become excessive?<?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
 
I was given an “Agreement to Repay Costs of Training” letter to sign.  While I have no intention to leave ML, I don’t like the feeling of being an indentured servant.  The ML contract requires that I stay 32-months (8-months pre=production + 24-months production) in order to leave without needing to repay costs of training.  Any service period less than 20-months requires repayment of $38K and any service over 20-months but under 32-months requires $19K.  Aren’t these payback amounts and timeframes excessive?  How binding are these contracts?  My experience would indicate that they don’t stand up well in court
 
The contract says that they can even go after me for repayment should I be terminated.  Does anyone know of a case where their office actually pursued repayment for any causes?
 
WM

ezmoney's picture
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if you're in this biz for the long term and fully committed sign the agreement and move on. thirty-two months at ML won't hurt you.

apprentice's picture
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The typical cost to bring in someone new and train them is about $100,000 (home office allocations, computer, office space, travel to NJ, et.).  The breakeven for a 'rookie' who is successful is about six years.  The firm will go after your contracted dollar amount if you go work for another firm within their timeframe stated on the contract (even if you're terminated).  However, leagally - it's tough to justify to a court that they fired you and now want you to pay them training costs. 

Big Easy Flood's picture
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WealthManager wrote:
I understand the need to have a contract to repay the costs of training but when do the costs become excessive?<?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />

I was given an “Agreement to Repay Costs of Training” letter to sign.  While I have no intention to leave ML, I don’t like the feeling of being an indentured servant.  The ML contract requires that I stay 32-months (8-months pre=production + 24-months production) in order to leave without needing to repay costs of training.  Any service period less than 20-months requires repayment of $38K and any service over 20-months but under 32-months requires $19K.  Aren’t these payback amounts and timeframes excessive?  How binding are these contracts?  My experience would indicate that they don’t stand up well in court

The contract says that they can even go after me for repayment should I be terminated.  Does anyone know of a case where their office actually pursued repayment for any causes?

WM

Let me see if I have this right.  You've been offered a position with the world's premier wirehouse and you're worrying about your obligations when you quit?
Where do you plan to go from Merrill, SW Bach?

STL Indy's picture
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apprentice wrote: The breakeven for a 'rookie' who is successful is about six years.  
How do you figure that?  They're keeping the lion's share of any revenue you bring in.  A successful rookie will have graduated the program and will have at least $15mm AUM at graduation, probably making the company well over that $100k (even after paying the rep their salary and any bonuses, commissions).

Big Easy Flood's picture
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STL Indy wrote:
apprentice wrote: The breakeven for a 'rookie' who is successful is about six years.  
How do you figure that?  They're keeping the lion's share of any revenue you bring in.  A successful rookie will have graduated the program and will have at least $15mm AUM at graduation, probably making the company well over that $100k (even after paying the rep their salary and any bonuses, commissions).

There is more to the compensation package salary, bonus and commission.
 

apprentice's picture
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Thanks BEF - there's a lot more to the comp.  Besides - if you're doing less than $250,000 gross, you're a liability to the firm.  It's when you begin to do over the $250,000 that you actually begin to be profitable.  Pareto says 80/20 - 20% of the brokers actually make money for your firm.  Assets don't pay the bills - gross production does.  If you have $50 million in assets and only produce $100k in gross - you're warehousing.  A successfull 'Trainee' should be producing above $250,000 by the end of year four - otherwise, you're just pretending.

WealthManager's picture
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Big Easy Flood wrote:Let me see if I have this right.  You've been offered a position with the world's premier wirehouse and you're worrying about your obligations when you quit?
Where do you plan to go from Merrill, SW Bach?
I'm not planning on quitting but I've heard that the success rate is around 10%.  Also if after a year or so of production I decide that a wirehouse isn't the right fit for me I want to keep my options open at investment banks such as JPM, GS and BS.
 

Big Easy Flood's picture
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WealthManager wrote:
I'm not planning on quitting but I've heard that the success rate is around 10%.  Also if after a year or so of production I decide that a wirehouse isn't the right fit for me I want to keep my options open at investment banks such as JPM, GS and BS.

Ah, confidence born of ignorance of the realities.
If you're making it at Merrill you won't be intersted in changing to JPM, GS or BS.
On the other hand, if you're not making it at Merrill you won't even get an interview at places like JPM, GS or BS.  Oh you might get an initial interview by some HR type, but when you're asked about your numbers at ML and they're not so very good the curtain will close.
You know something.  If you have what it takes to go work at JPM, GS--BS is not that selective--and you think that's your ultimate goal, why not just go there now?
If you can't cut it at Goldman today why do you think they'll be interested in a year or two?  What's going to change?

rightway's picture
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The subscription for your terminal alone is about $1,000 per
month.  If have $15 mil under mgt at 1% at the end of 2 years,
thats $150,000 in production going forward.  From that you have to
take your salary, say $50 grand (X2 years).  Then there is the
$24K for the use of the computer.  There is the cost of the
computer itself, but that can be recycled and capitalized, as can the
office space.  But the phone bill and mail costs are hard
dollars.  Then they have to shell out the quarterly bonuses to
you, and possibly stock if you do well.  If you get out within 24
months and may back the $38k...believe me, you were still a very big
losing experience to Mother.

RedJacobs's picture
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In situations when the trainee shows some signs that he will succeed in the business and another firm tries to headhunt him (for example in month 12 of production), the hiring B/D usually pays the legal costs and or penalties????
Can someone confirm this??

WealthManager's picture
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Big Easy Flood wrote:If you can't cut it at Goldman today why do you think they'll be interested in a year or two?  What's going to change?<?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
It's not that I can't cut it.  It's that I missed the new MBA hiring cycles.  The MBA program I am/was in (finishing this weekend) is for working professionals and we are not allowed access to the recruiting channels.  Even if that were not an issue, I was not decided on this career path until March of this year.  The recruiting for the MBAs started in September.
The truth is that I don’t have a single thing against Merrill Lynch.  On the contrary I think they are an excellent company and I will be proud to work for them.  I like the latitude that they give but they are still very different from a JPM or GS.  The clients serviced and the roles played are vastly different.  One of my mentors has worked for JPM for almost seven years and he has over $7B in AUM.  Imagine having that at ML and getting 40% of the production for that.
The biggest concern I have is that my schooling will be underappreciated regardless if I can sell or not.  I think it's a valid concern considering what I sacrificed to get the degree.
WM

 

rightway's picture
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Seven BILLION?  BILLION?  BILLION?  After 7 Years? 
Is their title "Mutual Fund Portfolio Manager"?  If the are a rep
with that much AUM it would make them one of the the largest producers
in the world.  At anywhere near that level their pay-out at ML
would far exceed 40% BTW (Unless they are running a pile of corporate
cash inan institutional platform of course). You run in some pretty
interesting circles. 

Your degree will be underappreciated for some time.  Not because
you will not us it, but because it will not be acknowledged as you feel
it should be.  Your concern is valid and with all of your posts I
fear you have made a mistake.  Good luck.

Big Easy Flood's picture
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Damn, he's got an MBA?  Wow, that's a rarity in Wall Street, he should be a hiring manager's dream.
Something to consider.
If you're really an attractive new hire you will get an offer during a hiring freeze or even if the hiring cycle has passed.
If you're ever told, "Gosh you missed the hiring cycle, or we are in a hiring freeze" understand that what is being said is a variation of "Don't call us, we'll call you."

WealthManager's picture
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rightway wrote:Your degree will be underappreciated for some time.  Not because you will not use it, but because it will not be acknowledged as you feel it should be.  Your concern is valid and with all of your posts I fear you have made a mistake.  Good luck. <?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
Thank you.  Your responses have been very helpful.
I'm not so much concerned that I made a mistake but more so that I didn't generate enough options before making a decision.  That is not to say that if I were presented with other options that I would have chosen differently.  It's just that there is an uneasy feeling associated with signing up for a 30-month commitment….especially one that I was not made aware of until the last moment and after I turned down other options.
I will now focus all of my energies and on working out ways to increase my chances for success.  I've already started prospecting and I have had a handful of people (non-family) tell me they are willing to give me some assets to manage for them.  If they follow through, that will give me close to a $3M start.  I don’t think they would have been willing to give me some of their assets without FA experience should I have not had my educational background.  It will however take some time to pay back the $115K I spent on my MBA tuition.
WM
 

TexasRep's picture
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WealthManager wrote:
rightway wrote:Your degree will be underappreciated for some time.  Not because you will not use it, but because it will not be acknowledged as you feel it should be.  Your concern is valid and with all of your posts I fear you have made a mistake.  Good luck. <?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
Thank you.  Your responses have been very helpful.
I'm not so much concerned that I made a mistake but more so that I didn't generate enough options before making a decision.  That is not to say that if I were presented with other options that I would have chosen differently.  It's just that there is an uneasy feeling associated with signing up for a 30-month commitment….especially one that I was not made aware of until the last moment and after I turned down other options.
I will now focus all of my energies and on working out ways to increase my chances for success.  I've already started prospecting and I have had a handful of people (non-family) tell me they are willing to give me some assets to manage for them.  If they follow through, that will give me close to a $3M start.  I don’t think they would have been willing to give me some of their assets without FA experience should I have not had my educational background.  It will however take some time to pay back the $115K I spent on my MBA tuition.
WM
 

$115k on the degree and your TRUE due diligence began:
Joined: May 16 2006Location: United StatesPosts: 43
i know some MBA's like you - waiting tables.
it sounds like you're in for a slow liftoff relative to your degree- but with good luck, a good attitude (you'll need work on this), hard work and a few more million$ contacts, you'll be allright-
 
 

WealthManager's picture
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TexasRep wrote:
$115k on the degree and your TRUE due diligence began:
Joined: May 16 2006
The join date does not tell much of the story.  I'm 33-year old career changer.

xmsbroker's picture
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Youre insane if you sign that contract.  People on this board (obviously) act like being an FA is the ultimate in job success if you hit the numbers.  The reality is that its like other career for even those who 'make it,' and people do want to leave for better opportunities. 

panther11578's picture
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xmsbroker you are the most negative person on the board. If you hate the field so intensely why do you continue to post on these message boards?

Secondly, why are so enamored with WealthMangers' degree? Read the article on nytimes.com entitled "Was earning that Harvard MBA worth it?"

I quote "...But others advocate hands-on experience over academic buffing and polishing. "M.B.A. programs train the wrong people in the wrong ways with the wrong consequences," said Henry Mintzberg, a management professor at McGill University in Montreal.

In 2003, Professor Mintzberg tracked the performance of 19 students who graduated from the Harvard Business School in 1990 and were at the top of their class academically. Ten of the 19 were "utter failures," he said. "Another four were very questionable, at least," he added. "So five out of 19 did well."

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fired? wrote:xmsbroker you are the most negative person on the board. If you hate the field so intensely why do you continue to post on these message boards? Secondly, why are so enamored with WealthMangers' degree? Read the article on nytimes.com entitled "Was earning that Harvard MBA worth it?" I quote "...But others advocate hands-on experience over academic buffing and polishing. "M.B.A. programs train the wrong people in the wrong ways with the wrong consequences," said Henry Mintzberg, a management professor at McGill University in Montreal. In 2003, Professor Mintzberg tracked the performance of 19 students who graduated from the Harvard Business School in 1990 and were at the top of their class academically. Ten of the 19 were "utter failures," he said. "Another four were very questionable, at least," he added. "So five out of 19 did well."
I dont hate the field, I do think its important to express the other side. 
 

wlooney's picture
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All due respect xmsbroker, but how should WealthManager go about landing any of the jobs talked about above without signing this contract (which I am sure requires him to to sign a non-compete agreement, also). I don't claim to know everything about any of these companies, but I do know that most of them (if not all) require you to sign these agreements. If you are saying he should attempt to come to some agreement with ML allowing him to not sign these contracts, then I completely agree, but what if they say no? He will esentially have no choice but to sign or find a new profession.
Also, no one answered WMs question, leaving me curious. Do these B/Ds actually pursue their money if they let you go? It was stated above that it would be hard to back that up in court, but is this normal practice or is this agreement (as I would imagine it to be) in place more for people who switch B/Ds or quit in the middle of their training?

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In 3.5 years MS has never attempted to enforce the repayment clause in their contract. I repeat, never. Ask xmsbroker. The only time these clauses are enforced are if you leave for another broker/dealer.

Also they will most assuredly not pursue the training costs if you are terminated.

TexasRep's picture
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wlooney wrote:
Also, no one answered WMs question, leaving me curious. Do these B/Ds actually pursue their money if they let you go? It was stated above that it would be hard to back that up in court, but is this normal practice or is this agreement (as I would imagine it to be) in place more for people who switch B/Ds or quit in the middle of their training?

assume any BD is gonna' come looking for you if you use the investment of their time, patience, expertise and money to simply "take" and then "leave" for another firm-
if you quit to go wait tables for a year or 3, you're PROBABLY ok-
 

Scorpio's picture
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This is what I have seen firsthand in my office - They will ONLY come
after you for repayment if you go to a rival firm as an FA.  You
can quit or get fired within the outlined time frame and not have to
worry about it.

I would love to see them come after me for 38k...I have negative net worth...good luck getting 38k out of me..

TexasRep's picture
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WealthManager wrote:
TexasRep wrote:
$115k on the degree and your TRUE due diligence began:
Joined: May 16 2006
The join date does not tell much of the story.  I'm 33-year old career changer.

 
sorry- but i'm still a bit astonished at your naiveté-
 
 
 

xmsbroker's picture
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wlooney wrote:
All due respect xmsbroker, but how should WealthManager go about landing any of the jobs talked about above without signing this contract (which I am sure requires him to to sign a non-compete agreement, also). I don't claim to know everything about any of these companies, but I do know that most of them (if not all) require you to sign these agreements. If you are saying he should attempt to come to some agreement with ML allowing him to not sign these contracts, then I completely agree, but what if they say no? He will esentially have no choice but to sign or find a new profession.
Also, no one answered WMs question, leaving me curious. Do these B/Ds actually pursue their money if they let you go? It was stated above that it would be hard to back that up in court, but is this normal practice or is this agreement (as I would imagine it to be) in place more for people who switch B/Ds or quit in the middle of their training?

Yes, he should negotiate changing the terms.  If that doesnt work, he shouldnt jump in w/ this many question marks about whether its right for him

xmsbroker's picture
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fired? wrote:In 3.5 years MS has never attempted to enforce the repayment clause in their contract. I repeat, never. Ask xmsbroker. The only time these clauses are enforced are if you leave for another broker/dealer. Also they will most assuredly not pursue the training costs if you are terminated.
While I agree w/ the terminated part, I dont know if thats completely true.  I simply didnt know many people who broke the contract so I dont have a lot of examples to draw from...  If you left for a high paying job like WM is talking about, its completely possible they would pursue it or at least have their lawyers send threatening letters with the hope you will settle out of court for less.  I have heard of that, though not from anyone I know personally.

entrylevelFA's picture
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A few things:
1.  Pareto's Law would state that 20% of the brokers make 80% of the money, not 20% of the brokers make all the money.  If you're not making ANY money for ML, you won't be working for ML. 
2.  I haven't seen the no compete agreement yet (still in the hiring process) but was a pre-law student.  In the contract, there will be a section with different ways you can violate the no compete agreement.  If it specifically states "If we terminate you, you must repay us the training costs" then you should request an addendum before signing.  If it does not state this, consider ML firing you breaching a contract.  At that point, all suits over 38M are off.  There is no way in hell that ML would waste their time and money going after you for 38M when they terminated your employment.
3.  7 Billion AUM?  Are you kidding me?  Under the ML grid, that's like 2.45MM in management fee commission alone.  I just read an article a month ago in Barron's about the top 100 FA's in the country, if this is true, this guy is an All-Star because that probably places him top 10.  Maybe he was a fund manager?

TexasRep's picture
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entrylevelFA wrote:
2.  I haven't seen the no compete agreement yet (still in the hiring process) but was a pre-law student.  In the contract, there will be a section with different ways you can violate the no compete agreement.  If it specifically states "If we terminate you, you must repay us the training costs" then you should request an addendum before signing.  If it does not state this, consider ML firing you breaching a contract.  At that point, all suits over 38M are off.  There is no way in hell that ML would waste their time and money going after you for 38M when they terminated your employment.

i'm not pre-law, but i have signed a few franchise-type contracts that no pre-law / post-law person in their right mind would ever sign-- basically it was "if you pick your nose in public, we terminate you and take all of the assets" --- totally enforceable? doubtful. Will they allow you to insert an addendum? hilarious.
if you wanted to be in their system, you signed their contract-- to mix metaphors: they hold all the cards and you roll the dice-- if it comes up snake-eyes, run for cover, protect your assets as best you can (can i sell you an annuity?) and hope the big bad wolf at the door eventually goes away--
no one wants to enrich lawyers, so if it isn't blatant (ie: they fire you or you quit to go wash cars) chances are 99.99% that they won't bother you-
 
 
 
 
 

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TexasRep wrote:
i'm not pre-law, but i have signed a few franchise-type contracts that no pre-law / post-law person in their right mind would ever sign-- basically it was "if you pick your nose in public, we terminate you and take all of the assets" --- totally enforceable? doubtful. Will they allow you to insert an addendum? hilarious.
if you wanted to be in their system, you signed their contract-- to mix metaphors: they hold all the cards and you roll the dice-- if it comes up snake-eyes, run for cover, protect your assets as best you can (can i sell you an annuity?) and hope the big bad wolf at the door eventually goes away--
no one wants to enrich lawyers, so if it isn't blatant (ie: they fire you or you quit to go wash cars) chances are 99.99% that they won't bother you-

Why should somebody conclude that a person who doesn't know that the first letter of a sentence should be capitalized has an opinion worth listening to?

TexasRep's picture
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Big Easy Flood wrote:
TexasRep wrote:
i'm not pre-law, but i have signed a few franchise-type contracts that no pre-law / post-law person in their right mind would ever sign-- basically it was "if you pick your nose in public, we terminate you and take all of the assets" --- totally enforceable? doubtful. Will they allow you to insert an addendum? hilarious.
if you wanted to be in their system, you signed their contract-- to mix metaphors: they hold all the cards and you roll the dice-- if it comes up snake-eyes, run for cover, protect your assets as best you can (can i sell you an annuity?) and hope the big bad wolf at the door eventually goes away--
no one wants to enrich lawyers, so if it isn't blatant (ie: they fire you or you quit to go wash cars) chances are 99.99% that they won't bother you-

Why should somebody conclude that a person who doesn't know that the first letter of a sentence should be capitalized has an opinion worth listening to?

why would anyone read on after concluding this?
 

Big Easy Flood's picture
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TexasRep wrote:Big Easy Flood wrote:
TexasRep wrote:
i'm not pre-law, but i have signed a few franchise-type contracts that no pre-law / post-law person in their right mind would ever sign-- basically it was "if you pick your nose in public, we terminate you and take all of the assets" --- totally enforceable? doubtful. Will they allow you to insert an addendum? hilarious.
if you wanted to be in their system, you signed their contract-- to mix metaphors: they hold all the cards and you roll the dice-- if it comes up snake-eyes, run for cover, protect your assets as best you can (can i sell you an annuity?) and hope the big bad wolf at the door eventually goes away--
no one wants to enrich lawyers, so if it isn't blatant (ie: they fire you or you quit to go wash cars) chances are 99.99% that they won't bother you-

Why should somebody conclude that a person who doesn't know that the first letter of a sentence should be capitalized has an opinion worth listening to?

why would anyone read on after concluding this?

That is non-responsive.  Do you believe that you appear to be articulate and well informed when you, seemingly, do not know the basics of grammar?
When you grow up one of your biggest goals should be to develop the impression of being a grown-up.  Grown-ups do not think it's cool to appear so lazy that you cannot even bother to capitalize when you're writing.
I know, because I'm a grown-up.  You're not.

blarmston's picture
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"I know, because I'm a grown-up.  You're not."
And....... youre a prick........ See???? I began the sentence with a capital.....

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Big Easy Flood wrote:TexasRep wrote:Big Easy Flood wrote:
That is non-responsive. 

actually is isn't-- anyone as informed and grown up as you should certainly understand that it was - by definition- a very direct response.
in fact your old man prattlings afterwords were non-responsive to my "why would anyone read-on after concluding this?"
my take is that you are just trying to help me- thank you, sir.
Big Easy Flood wrote:TexasRep wrote:Big Easy Flood wrote:
That is non-responsive.  Do you believe that you appear to be articulate and well informed when you, seemingly, do not know the basics of grammar?

the old geezers apparently think i'm a chump-- but i am prepared to handle this indignity the best that i can-
Big Easy Flood wrote:
When you grow up one of your biggest goals should be to develop the impression of being a grown-up.  Grown-ups do not think it's cool to appear so lazy that you cannot even bother to capitalize when you're writing.

that does it then----  i staRt toDay! gee- this is harder than it looks.
 
]Big Easy Flood wrote:
I know, because I'm a grown-up.  You're not.

yeah, we all knew that-- we can smell you from here.
now go trim those hairs coming out of your ears, and get back to work.
 
 
 

Big Easy Flood's picture
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Would somebody who thinks that writing without punctuation or capitalization is anything other than an exhibition of ignorance and/or laziness pleae step up and explain why my opinion is wrong.
Am I wrong for thinking like I do, or for saying what I think?

xmsbroker's picture
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Big Easy Flood wrote:
Would somebody who thinks that writing without punctuation or capitalization is anything other than an exhibition of ignorance and/or laziness pleae step up and explain why my opinion is wrong.
Am I wrong for thinking like I do, or for saying what I think?

It's a freakin message board, save the grammar nazi bit for your dissertation.  It's a waste of time to be that anal about punctuation/capitalization.

Big Easy Flood's picture
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xmsbroker wrote:Big Easy Flood wrote:
Would somebody who thinks that writing without punctuation or capitalization is anything other than an exhibition of ignorance and/or laziness pleae step up and explain why my opinion is wrong.
Am I wrong for thinking like I do, or for saying what I think?

It's a freakin message board, save the grammar nazi bit for your dissertation.  It's a waste of time to be that anal about punctuation/capitalization.

I think typos, and an occasional misspelling, are very common in message boarding.
However, not capitalizing is a choice, it's not a mistake or a typo.  And the choice is based on laziness, or stupidity.
Neither of them is attractive unless you too are lazy and/or stupid.

TexasRep's picture
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Big Easy Flood wrote:xmsbroker wrote:Big Easy Flood wrote:
Would somebody who thinks that writing without punctuation or capitalization is anything other than an exhibition of ignorance and/or laziness pleae step up and explain why my opinion is wrong.
Am I wrong for thinking like I do, or for saying what I think?

It's a freakin message board, save the grammar nazi bit for your dissertation.  It's a waste of time to be that anal about punctuation/capitalization.

I think typos, and an occasional misspelling, are very common in message boarding.
However, not capitalizing is a choice, it's not a mistake or a typo.  And the choice is based on laziness, or stupidity.
Neither of them is attractive unless you too are lazy and/or stupid.

so now i don't appear attractive to you? what next? you'll quit reading my stuff? and then you'll start reading someone else's stuff? you old geezers are all alike, looking for the trophy caPitAlizer to notch into your keyboards--
tell you what- go find someone else to read or better yet go feed your pigeons or finish your crossword-
unattractive! i've got nose hair more attractive than you! (albiet, not as much)
 
 
 
 
 

Big Easy Flood's picture
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Being lazy and/or stupid is attractive in somebody like Paris Hilton, but it is unattractive in a potential employee.
When an adult reads something that is written in lower case letters it screams--absolutely screams--that the author is lazy.
We don't conclude that you're stupid, we conclude that you're lazy.
And lazy is not an attractive quality in an employee.
Sorry to be the bearer of harsh realities, but that's the way it is.

TexasRep's picture
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Big Easy Flood wrote:
Being lazy and/or stupid is attractive in somebody like Paris Hilton, but it is unattractive in a potential employee.
When an adult reads something that is written in lower case letters it screams--absolutely screams--that the author is lazy.
We don't conclude that you're stupid, we conclude that you're lazy.
And lazy is not an attractive quality in an employee.
Sorry to be the bearer of harsh realities, but that's the way it is.

the next time i sign up for a message board, i'll read more closely in the fine print where it MUST say:
1. ALL RESPONSES WILL BE CHECKED FOR GRAMMER BY CRUSTY OLD MEN WITH A VIAGRA HANGOVER AND NO WHERE TO GO WITH IT.
2. CONSIDER YOUR RESPONSES, APPLICATIONS FOR EMPLOYMENT BY OLD GEEZERS WITH A 3 DAY OLD WIFEBEATER THAT NEEDS CHANGING.  
i definitly missed that part when i signed up for this one--
 
 

Big Easy Flood's picture
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TexasRep wrote:Big Easy Flood wrote:
Being lazy and/or stupid is attractive in somebody like Paris Hilton, but it is unattractive in a potential employee.
When an adult reads something that is written in lower case letters it screams--absolutely screams--that the author is lazy.
We don't conclude that you're stupid, we conclude that you're lazy.
And lazy is not an attractive quality in an employee.
Sorry to be the bearer of harsh realities, but that's the way it is.

the next time i sign up for a message board, i'll read more closely in the fine print where it MUST say:
1. ALL RESPONSES WILL BE CHECKED FOR GRAMMER BY CRUSTY OLD MEN WITH A VIAGRA HANGOVER AND NO WHERE TO GO WITH IT.
2. CONSIDER YOUR RESPONSES, APPLICATIONS FOR EMPLOYMENT BY OLD GEEZERS WITH A 3 DAY OLD WIFEBEATER THAT NEEDS CHANGING.  
i definitly missed that part when i signed up for this one-

Can you verbalize why you think it's clever to type in lower case?
Have you ever heard the selling idea that if what you're doing fails to impress even a single person you should not be doing it?
Do you suppose that you're unemployed because you're too lazy to do things right?

TexasRep's picture
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Can you verbalize why you think it's clever to type in lower case?
i'm sorry, where did i say that i thought it was?
 
Have you ever heard the selling idea that if what you're doing fails to impress even a single person you should not be doing it?
i used to try to impress single people all the time, but alas, as i have aged i must now merely be content to piss off old ones-
 
Do you suppose that you're unemployed because you're too lazy to do things right?
you've said that people who get nasty with you never disagree with you, they just don't like to hear your truth-- in this case i can honestly call you an A-Hole, not b/c of your truth, but b/c i disagree with you-
thank-you for that opportunity.
 
 
 
 

xmsbroker's picture
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Joined: 2006-05-11

Big Easy Flood wrote:
Being lazy and/or stupid is attractive in somebody like Paris Hilton, but it is unattractive in a potential employee.
When an adult reads something that is written in lower case letters it screams--absolutely screams--that the author is lazy.
We don't conclude that you're stupid, we conclude that you're lazy.
And lazy is not an attractive quality in an employee.
Sorry to be the bearer of harsh realities, but that's the way it is.

Who on here is an employee of another poster or seeking employment from another poster?

Big Easy Flood's picture
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Joined: 2005-08-29

To respond to two at once.
1.  Stupidity and sloth cannot be turned on and off, somebody who is exhibiting stupidity and sloth on an Internet forum exhibits it in real life too.
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
Not that being stupid and lazy could result in something like that.

Devoted SA's picture
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ahem, Mr. Flood? I'm raising my hand with a question here.
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
which "soul" is a "her"?

Big Easy Flood's picture
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Devoted SA wrote:ahem, Mr. Flood? I'm raising my hand with a question here.
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
which "soul" is a "her"?

Did the maven who talked about spending eight years in a failed effort to obtain a degree not indicate earlier that the maven was a she?
Regardless--note that I know there is no such word as irregardless--people cannot turn stupidity and sloth on and off.
Somebody who is lazy in what they do anywhere is lazy in what they do everywhere.
Do you disagree?  Do you think that good habits become bad habits, and vice versa, based on when and where the habit is being used?
Do you think think that somebody who cannot spell on Monday can on Tuesday, but cannot again on Wednesday?

wlooney's picture
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Joined: 2006-06-03

Jesus! Back off big easy flood. I'm trying to read about these non-compete agreements and training repayments, and instead I am forces to sift through your $hit. Have some respect for every other member of this board, even if you have none for TexasRep.<?:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
Also, have you ever visited another message board in your lifetime? It would not surprise me if half of the posters did not use correct grammar. Usually it will be simple things like capitalization and apostrophes, in order to speed up the posting process on a board that has no relevance on their career, in order to get back to their work. Not exactly the trait of a lazy person, huh? These grammatical 'errors' are intentional. Any idiot can determine what the correct grammar in each case would be, being the reason why these specific ‘errors’ are not corrected.
Spelling on the other hand can point towards illiteracy and ignorance. By the way, you misspelled please (instead using pleae) in your post about the ignorant, lazy people who don’t use proper grammar. Does anyone else find that funny?

wlooney's picture
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Joined: 2006-06-03

Also, what is 'stupidty?'
 
Devoted SA wrote:ahem, Mr. Flood? I'm raising my hand with a question here.
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
which "soul" is a "her"?

wlooney's picture
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Joined: 2006-06-03

I am to assume this means you cannot spell, be it Monday or any other day of the week?
 
Big Easy Flood wrote:Devoted SA wrote:ahem, Mr. Flood? I'm raising my hand with a question here.
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
which "soul" is a "her"?

Did the maven who talked about spending eight years in a failed effort to obtain a degree not indicate earlier that the maven was a she?
Regardless--note that I know there is no such word as irregardless--people cannot turn stupidity and sloth on and off.
Somebody who is lazy in what they do anywhere is lazy in what they do everywhere.
Do you disagree?  Do you think that good habits become bad habits, and vice versa, based on when and where the habit is being used?
Do you think think that somebody who cannot spell on Monday can on Tuesday, but cannot again on Wednesday?

TexasRep's picture
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Joined: 2006-02-18

Big Easy FloodSenior MemberTo respond to two at once.1.  Stupidity and sloth cannot be turned on and off, somebody who is exhibiting stupidity and sloth on an Internet forum exhibits it in real life too.
as you are living proof-
 
 
2.  The soul who is so proud of her stupidty and sloth is the same soul who went to college for eight years, yet did not obtain a degree.
tho there is "texas" in both screen names there are obviously 2 different people you've confused- how you words echo so true (see above) in your own words: "...somebody who is exhibiting stupidity and sloth on an Internet forum exhibits it in real life too."--
you can almost get away with being a smug A-hole when you're right, but you come off looking like a complete idiot when your not--
 
Not that being stupid and lazy could result in something like that.
you are obviously thinking about "lostintexas" not me, "TexasRep"- you really need to stop being so lazy and stupid and simply do the due diligence b/f you embarrass yourself any further.....
 
 

wlooney's picture
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Joined: 2006-06-03

I bet the use of 'tho' in your last post will really get him fired up TexasRep. HAHA! What an idiot.

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