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Well, as a contractor I had to fill out the ever-popular SEP (Self Employment Tax), and prepay my taxes quarterly. The pain is much sharper when you consciously send off that money rather than have it slipped out of the pile before you ever really see it.
I'd say "all the same in the end" - except I don't have to fill out all the business taxes (after FY2014) before I can begin my own and my total take-home will be increased by the SEP I don't have to pay. They let me keep the hours I set up for myself.
All considered well in advance. (That is (or should be) what we do for a living).
| "The difference between genius and stupidity is that genius has its limits." - Albert Einstein | | "As far as we know, our computer has never had an undetected error." - Weisert | | "If you are searching for perfection in others, then you seek disappointment. If you are seek perfection in yourself, then you will find failure." - Balboos HaGadol Mar 2010 |
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Well this is going to piss you off! I am a contractor and I get holiday pay, 22/12 - 4/1 spent in Cairns with the family without using any vacation days!
Never underestimate the power of human stupidity
RAH
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Nah - doesn't piss me off.
If someone gives me a doughnut I don't complain about the whole in the middle. If someone else is given a bigger doughnut, that doesn't diminish my gift.
And the biggest and best 'besides': I have fun coding and solving problems. In reality, I'm paid to play for a living . . . and I appreciate it.
| "The difference between genius and stupidity is that genius has its limits." - Albert Einstein | | "As far as we know, our computer has never had an undetected error." - Weisert | | "If you are searching for perfection in others, then you seek disappointment. If you are seek perfection in yourself, then you will find failure." - Balboos HaGadol Mar 2010 |
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I'm always astonished that they pay me to have such fun.
Never underestimate the power of human stupidity
RAH
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All counted in the Cost To Company. There are many extremely 'packed' months without a single holiday. These months kind of compensate for those.
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Can't begin to say how poor the customer service is. Appalling doesn't even touch it. Waited 45 minutes to get connected and the woman hung up saying she couldn't hear me. Got through after another 45 minutes to solve a truly trivial issue. Yuk! 
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Karel Čapek wrote: woman hung up saying she couldn't hear me.
It's not the bank, although they do suck, it's the customer service. Funny though, most of the customer service is done in other countries these days, by people named Fred, Mike, and Nancy.
Weird.
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Customer server can be varied at a company. I recently had to send one of my kids' Nintendo 3DS back for repair. I filled out the forms online and it appeared to have succeeded, but I never got the mailing label. I called support. The person was polite, but next to useless. She said the claim had been rejected (their web site didn't relay this), said she'd changed something and to try again. I filled out the form again, same result.
Next morning, I called their support again. This time I was assisted by a marvelous support person. She was friendly, polite and knew what she was doing. She pulled the logs from the transaction and figured out that somehow two accounts had been created for my email and it was causing the failure. She deleted the old accounts and created a new one and everything worked. She told me each step as she went through it and verified all the information. Since some steps took a minute, we had a pleasant conversation.
Nintendo said it would take up to three weeks. It took exactly a week (turn around was 24 hours once the unit arrived AND they replaced the screen cover as well as the case. Needless to say, it left me rather impressed.)
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I've never had a problem since switching to a smallish bank. The big ones... yes, they are terrible.
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PIEBALDconsult wrote: It takes two to suck.
I'm pretty sure it only takes one. However, two might be more efficient. Just saying...
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Me thinks he was referring to the "sucker" and the "suckee".
Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master. ~ George Washington
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As a Brit I know little of US banks but there was / is a scam to get a Social Security number at one time you could open a very cheap saving account, which gave a social security number. Let me guess it was HSBC...
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Another good reason to go with a Credit Union.
Although customer service sucks pretty much everywhere. 
There are only 10 types of people in the world, those who understand binary and those who don't.
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My credit union has always had good customer service.
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I have been with the same credit union for the last 33 years because of their service.
According to my calculations, I should be able to retire about 5 years after I die.
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I've never had the "pleasure" of using a US bank. However, I've used both Canadian and UK banks.
UK customer service, especially in retail, is usually considered abysmal; partly because we Brits tend to be forthright and customers are a huge pain.
However, in my experience, all financial services in Canada are decades behind the UK. They are overpriced and under served. Back in the UK I hadn't paid any bank fees for so many years that I can't remember when (memory failing with old age possibly contributes). Even when there were charges, I received nominal "interest" against the charges on positive balances. In Canada, unless you bank with one of the newer services, they even charge you for a smile. Opening hours are better now than they were, but many branches are still very restricted.
I've always assumed that the US "enjoys" similar banking to Canada.
Now don't get me started on the first car insurance quote I was given! 
Life is like a s**t sandwich; the more bread you have, the less s**t you eat.
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I'm with Huntington, and their support is excellent. When my mom's identity got stolen and we notified the bank, the team there took the account down right away. My family got a new one about two weeks later (a LOT of stuff had to be done, as almost everyone that used Huntington got hit). During that time, the bank management reviewed every attempted transaction BY HAND to verify it. SIXTEEN people trying to use stolen checks were arrested, including six Middle-Eastern people and Four illegal aliens (Only one was black, the rest were white, including two who were very wealthy because of scams and fraud).
All this data came from the hospital billing system that was hacked for some time before it was revealed that there was a hack.
What do you get when you cross a joke with a rhetorical question?
---
The metaphorical solid rear-end expulsions have impacted the metaphorical motorized bladed rotating air movement mechanism.
---
Do questions with multiple question marks annoy you???
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Sorry to be cynical, but could that be that once you'd notified them, they were liable for the loss? 
Life is like a s**t sandwich; the more bread you have, the less s**t you eat.
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while the 45 minute wait is pretty crap - you can't really blame the bank for a poor quality phone line, which could be your, your carrier or another's fault.
PooperPig - Coming Soon
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It's all about luck...
I had been in your same shoes, even when I knew what was wrong the Customer Service was dummy...
But I had also been in the other side, so pleasant Customer Service that you also want to kiss the other person, no matter if they were able to solve your problem.
Up to now I had quit just one Bank (Scotia Bank), they just sucks in my country, no good services, bad customer service and Visa Electron (hate that card, can't use it on internet and a lot of place due the lack of security stuff, it event have your name)
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Just almost all of you are stupid.
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Well, yes.
I certainly am. But many of the others here are really very bright indeed - I'm just good at lying about my height, and it seems to be working so far.
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
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OriginalGriff wrote: But many of the others here are really very bright indeed
Not me, the pull cord snapped off my bathroom light switch last Tuesday and I still haven't got it working again yet.
If I'm honest I regret not spending the extra pound to buy a whole new switch rather than just a new cord.
Some men are born mediocre, some men achieve mediocrity, and some men have mediocrity thrust upon them.
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Nah, if you buy a whole new switch you have to get an electrician to inspect your work and issue a certificate... 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
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