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Socialists saying I'm greedy/selfish cos of my job

24

Comments

  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Its not just over draft fees, and its often just general bank charegs too

    and if a highstreet bank is investing money somewhere, where do you think some of it might go

    Im not entirely sure all the grief you have got in here has been justified, but you havnt helped yourself by coming accross sounding like a cock and rubbing it in everyones faces.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Err, what? The bank I work for doesn't even do high street banking here -.

    So it does do highstreet banking somewhere? so part of yoru wages are paid for in the way kermit described?
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    troll.jpg
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    MrG wrote: »
    So it does do highstreet banking somewhere? so part of yoru wages are paid for in the way kermit described?
    Not a single penny of my wages are paid for due to any bank charges to any "ordinary" customer. Same applies to most "investment bankers", whose money comes from either fees from a company for floating them on the stock market, a hedge fund for recommending them bonds, etc.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Not a single penny of my wages are paid for due to any bank charges to any "ordinary" customer. Same applies to most "investment bankers", whose money comes from either fees from a company for floating them on the stock market, a hedge fund for recommending them bonds, etc.

    Yes but even if 1p is made from charges on a customers, then thats part of your wages paid for.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    I used to work for the bank and did charge people for bounced cheques and the like. But they did get refunded most of the time. But we used to discuss it at the bank - at the end of the day it is the customer's finances, yet many (not all) can't see to take responsibility for that.

    I haven't worked on the other side with the CAB and all that, but most people don't have problems writing cheques and actually do have the money, same with direct debits. If there's a charge it's normally because it came out the day before their wages went in, and that's always refunded if the customer requests it (it's an automatic debit).

    When people do get charged is when they consistently (we can see your bank records) are trying to pay for things, over weeks, with guarunteed payments (i.e. cheque guaruntee cards) when they don't have the cash. Legally speaking they're obtaining goods by deception. But they still moan at the bank as if the bank is in the wrong.

    But, I don't agree with the amount of the charge, it is a punitive charge and it probably takes me all of 5 minutes to charge someone (we have to keep logs of everything we do, so if you phone up it's on your 'file', and who put the charge through, where they're based, who their boss is etc. etc. whereas the bank statement is just a statement that a charge was put through). It actually is (a lot) more hassle with the refunds, and the whole center where I was working got inundated with letters and calls and so on from customers, meaning we couldn't get on with any real work, especially when they get incredibly rude even though you're not actually supposed to be doing it for them, because of x reasons.

    Sorry, just my 2p, banks aren't as evil as you seem to think. They're a run for profit organisation. They provide a service (credit), in return the customer has to pay interest. I can't think of any other industry where the organisation is held to account on providing a service that the customer couldn't afford. If they couldn't afford it why did they chuffing well buy it?!
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    MrG wrote: »
    Yes but even if 1p is made from charges on a customers, then thats part of your wages paid for.
    Errm, I just said "Not a single penny of my wages are paid for due to any bank charges". And actually no, even if you work for somewhere which has both a high street and investment bank franchise, your salary isn't necessarily determined by the customer fees, as you get paid directly based on how your team do not the whole bank. Eg at Citigroup, people in New York who were working in the CDOs / residential mortgages for subprime are getting zero bonus, people on the stock market are getting paid same as previously.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Errm, I just said "Not a single penny of my wages are paid for due to any bank charges". And actually no, even if you work for somewhere which has both a high street and investment bank franchise, your salary isn't necessarily determined by the customer fees, as you get paid directly based on how your team do not the whole bank. Eg at Citigroup, people in New York who were working in the CDOs / residential mortgages for subprime are getting zero bonus, people on the stock market are getting paid same as previously.


    Yes but if you get paid by a bank, and that bank makes 1p from charges, then your wage is part financed by the charges.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Errm, I just said "Not a single penny of my wages are paid for due to any bank charges". And actually no, even if you work for somewhere which has both a high street and investment bank franchise, your salary isn't necessarily determined by the customer fees, as you get paid directly based on how your team do not the whole bank. Eg at Citigroup, people in New York who were working in the CDOs / residential mortgages for subprime are getting zero bonus, people on the stock market are getting paid same as previously.

    Mate - you know, it's just not worth it trying to argue this point with some people on here. Doing the job you do, you just can't win with a lot of people - even when you know you are not hurting anybody etc etc. Just leave it, as it gets boring going back and forth... and it's all been said before by previous users with your experience, and the responses by the same people are just as boring, not to mention unfair.

    With regards your situation - If people give you shit because of what you do, just tell them to fuck off. I've had people supposed to be my friends alienate me once they found out I had a good job and so 'didn't fit in' any more. Bollocks to them - they're not friends. When it's people you don't even know, then they're really not worth more than a second of your thoughts. Neither are people on the internet with a hair up their arse.

    For the record, no, I don't think this is Ricardo coming back again to stir things, and if people find somebody doing well so tough to read, then they just shouldn't read it.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    MrG wrote: »
    Yes but if you get paid by a bank, and that bank makes 1p from charges, then your wage is part financed by the charges.

    No. It isn't.

    Banks have different divisions (as any other major company does) that have completely separate budgets and so have nothing to do with any other parts of the business - hence his wages are NOT paid by consumer bank charges if not involved in that division.

    Have you never worked for a large corporation?
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    ShyBoy wrote: »
    I used to work for the bank and did charge people for bounced cheques and the like. But they did get refunded most of the time. But we used to discuss it at the bank - at the end of the day it is the customer's finances, yet many (not all) can't see to take responsibility for that.

    I haven't worked on the other side with the CAB and all that, but most people don't have problems writing cheques and actually do have the money, same with direct debits. If there's a charge it's normally because it came out the day before their wages went in, and that's always refunded if the customer requests it (it's an automatic debit).

    When people do get charged is when they consistently (we can see your bank records) are trying to pay for things, over weeks, with guarunteed payments (i.e. cheque guaruntee cards) when they don't have the cash. Legally speaking they're obtaining goods by deception. But they still moan at the bank as if the bank is in the wrong.

    But, I don't agree with the amount of the charge, it is a punitive charge and it probably takes me all of 5 minutes to charge someone (we have to keep logs of everything we do, so if you phone up it's on your 'file', and who put the charge through, where they're based, who their boss is etc. etc. whereas the bank statement is just a statement that a charge was put through). It actually is (a lot) more hassle with the refunds, and the whole center where I was working got inundated with letters and calls and so on from customers, meaning we couldn't get on with any real work, especially when they get incredibly rude even though you're not actually supposed to be doing it for them, because of x reasons.

    Sorry, just my 2p, banks aren't as evil as you seem to think. They're a run for profit organisation. They provide a service (credit), in return the customer has to pay interest. I can't think of any other industry where the organisation is held to account on providing a service that the customer couldn't afford. If they couldn't afford it why did they chuffing well buy it?!

    Good post, with a nice balanced view on things. Well done!
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    g_angel wrote: »
    Mate - you know, it's just not worth it trying to argue this point with some people on here. Doing the job you do, you just can't win with a lot of people - even when you know you are not hurting anybody etc etc. Just leave it, as it gets boring going back and forth... and it's all been said before by previous users with your experience, and the responses by the same people are just as boring, not to mention unfair.

    With regards your situation - If people give you shit because of what you do, just tell them to fuck off. I've had people supposed to be my friends alienate me once they found out I had a good job and so 'didn't fit in' any more. Bollocks to them - they're not friends. When it's people you don't even know, then they're really not worth more than a second of your thoughts. Neither are people on the internet with a hair up their arse.

    For the record, no, I don't think this is Ricardo coming back again to stir things, and if people find somebody doing well so tough to read, then they just shouldn't read it.
    Thanks mate.

    What annoys/angers/upsets me more than anything is ignorance, particularly when people say things as if they're deadly certain it's a fact when they're in fact completely wrong. Such as Kermit thinking investment bankers are greedy/selfish fucks because of people on income support getting charged £50 overdraft fees - most investment banks don't even have a high street banking arm attached! And the usual stereotypes - people assuming I don't have a life whatsoever because I work long hours etc.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Hi everyone. Sorry I just really need to vent/let off steam, and would also appreciate your opinions.

    I'm an investment banker. One of those "high flyers" in the city who makes loads of money, big bonuses etc. Not particularly because I'm hugely money-grabbing and materialistic, but because I'm naturally good at maths, economics, finance so the job I have seems to be an ideal fit for what I do.

    Anyway, I am fed up of non-stop getting flak, stick, abuse just based on my job. If I meet people at pubs, bars, clubs etc and they ask what my job is, it will most of the time be treated with a typical abusive comment like "Oh so you're obsessed with making as much money as possible then?", "It's thanks to people like you that Africans are starving, why don't you give all that money to charity, don't you have a social conscience?", "Why would anyone want to do something like that when you can be positively contributing to social justice?" etc etc. Yes I could just lie about my job but I don't feel comfortable doing that.
    Have you ever thought you might be acting like a prick?

    And what the fuck? You must be really forcing it upon people to get that kind of reaction...

    No, you're probably not contributing to social justice. Your bank is probably investing in arms which will kill children, in totalitarian regimes, in the oil industry which fuck things up for indigenous people in the Amazon and which is contributing to global warming. If you don't like being criticised for helping a process like that, then go ad work in an animal shelter and take care of puppies.

    To be an investment banker you obviously can't care that much about the impact of your job, so why care about people's reactions to it? :rolleyes: (Unless you're in ethical banking?)
    What pisses me off in particular is how hypocritical everyone is. I give way more to charity than some socialist, who themselves may spend more needlessly on designer clothes / drugs / their PC when others have nothing.
    Whatever dude...
    To be honest even though I'm not hugely driven by money yes I do love having lots of it to enjoy with things like nice holidays and cars. I'm made to feel guilty about this when there are indeed people starving and stuff.. but how come nobody has a go at popstars, celebrities, footballers who make way more? And how come it's fine for someone earning like £20k to enjoy the occasional luxury but when I do it's seen as greedy?
    People do have a go at the aforementioned people A LOT.
    Any thoughts? Like I said I'm not comfortable lying about my job to shake off flak. I just want a simple happy comfortable life without having to deal with abuse and crap non-stop, is that too much to ask?
    There's lying about a job and there's keeping it quiet.

    What kind of bar do you go to anyway where people come up to you and are so fascinated by a complete stranger that they interrogate them about their job?
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Yerascrote wrote: »
    Hello Jomery :wave:

    I'd just like to add that giving money to charity or complaining about rich people has fuck all to do with socialism.

    Spot on. :thumb:
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    Err, what? The bank I work for doesn't even do high street banking here - so nobody gets overdraft charges. Not all investment banks do personal / high street / retail banking you know. There is a big difference between "retail banking" (high street banks - personal accounts for everyone) and "investment banking" (dealing with large corporations and huge clients - debt/equity financing, mergers, leveraged finance etc). I have nothing whatsoever to do with people getting fees for exceeding their overdraft limit. And the job I do in the bank (economist / analyst) doesn't whatsoever hurt/affect anyone. Get your facts right before tarring anyone who works in banking/finance with the same brush, thinking anyone who works in an investment bank has something to do with overdraft fees, it makes you look utterly ignorant.
    What bank do you work for then?

    Because whatever you do, even if you clean their toilets you're helping what they do.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    To be an investment banker you obviously can't care that much about the impact of your job
    My job (economist / analyst) does not negatively impact anyone whatsoever.
    Namaste wrote: »
    What kind of bar do you go to anyway where people come up to you and are so fascinated by a complete stranger that they interrogate them about their job?
    What? Whenever you meet someone for the first time, say in a pub/bar/club, introduced by a friend or stranger, one of the first things people ask is what you do for a living.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    My job (economist / analyst) does not negatively impact anyone whatsoever.
    Does your job help a bank in any way?

    What? Whenever you meet someone for the first time, say in a pub/bar/club, introduced by a friend or stranger, one of the first things people ask is what you do for a living.
    To be honest, that's never happened to me. But people really just randomly have a go? I think they'd have to be wound up or something first... Unless you are meeting people at the World Social Forum or something.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    Because whatever you do, even if you clean their toilets you're helping what they do.
    So you think anyone who works in a bank is a bad person? The Polish immigrant trying to make a living by cleaning toilets? The 17 year old 6th former trying to save up for uni by being a cashier/trade settler? In which case anyone who works for the public sector is evil because it's all ultimately owned by the government who are killing people in Iraq. And anyone working as a shop assistant at Vodafone is immoral because Vodafone invest their money in BAE or whatever. :rolleyes:
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »

    What kind of bar do you go to anyway where people come up to you and are so fascinated by a complete stranger that they interrogate them about their job?

    Just a quick point on this one - it's far more common than you may think in Central London, especially in the City. I hate it. My usual response to it (although I don't usually get any flack) is "I work in Mobile Music, but that's boring - what do you do?" or "I work in IT, but that's boring - what do you do?" so shifting the focus onto them. I don't like talking about my job when I am not in the office - it's boring, and I'm not getting paid to do it!

    Honestly though, it's a question used as a very, very simple tool by some people: To find out if you are a l'esser', or an 'equal'. People don't like to think of people as better than them and so there is no 'greater'. Try looking at it in that context, as it's the real world, and it really happens. Shit, I know.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    g_angel wrote: »
    Just a quick point on this one - it's far more common than you may think in Central London, especially in the City. I hate it. My usual response to it (although I don't usually get any flack) is "I work in Mobile Music, but that's boring - what do you do?" or "I work in IT, but that's boring - what do you do?" so shifting the focus onto them. I don't like talking about my job when I am not in the office - it's boring, and I'm not getting paid to do it!

    Honestly though, it's a question used as a very, very simple tool by some people: To find out if you are a l'esser', or an 'equal'. People don't like to think of people as better than them and so there is no 'greater'. Try looking at it in that context, as it's the real world, and it really happens. Shit, I know.
    I've seriously never had it in central London...

    But even so, why would people just randomly start a fight?
  • Indrid ColdIndrid Cold Warming up? Posts: 16,688
    Need2Vent wrote: »
    What? Whenever you meet someone for the first time, say in a pub/bar/club, introduced by a friend or stranger, one of the first things people ask is what you do for a living.
    Alright, I'm convinced now. This is Jomery/Ricardo.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    Because whatever you do, even if you clean their toilets you're helping what they do.

    Utter bollocks.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    To be honest, that's never happened to me. But people really just randomly have a go? I think they'd have to be wound up or something first... Unless you are meeting people at the World Social Forum or something.
    What I meant in my original post, was when I meet people, one of the first questions asked is what I do, so before I've said that much (eg just my name) for them to form an opinion of me I start getting a tirade of abuse, if not rolling of eyes or whatever. Being judged straightaway on job not individual. Not just me, happens to bankers, lawyers, people in insurance, estate agents etc.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    I've seriously never had it in central London...

    But even so, why would people just randomly start a fight?

    Some people have a hair up their arses about some things - for a perfect example, just read this bloody thread!!


    So, nobody has ever asked you what you do for a living when you're out at a bar???? :eek2:
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Namaste wrote: »
    I've seriously never had it in central London...
    I'd be surprised if "What do you do for a living?" / "So what do you do?" / "Where do you work?" is an ice-breaker only in the City. Surely just like when you're a student people ask as first questions "Where do you study" / "What are you studying?" this is just the same. It's called making conversation!
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    I'd be surprised if "What do you do for a living?" / "So what do you do?" / "Where do you work?" is an ice-breaker only in the City. Surely just like when you're a student people ask as first questions "Where do you study" / "What are you studying?" this is just the same. It's called making conversation!

    I don't think this is Jomery! Woopsie!
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    So you think anyone who works in a bank is a bad person? The Polish immigrant trying to make a living by cleaning toilets? The 17 year old 6th former trying to save up for uni by being a cashier/trade settler? In which case anyone who works for the public sector is evil because it's all ultimately owned by the government who are killing people in Iraq. And anyone working as a shop assistant at Vodafone is immoral because Vodafone invest their money in BAE or whatever. :rolleyes:
    I'm not talking about moral or amoral. Morals are personal.

    I'm talking about whether or not they benefit the company.

    If you are helping to generate cash for a company or bank which does harm to the planet, especially if you're working high up and getting a stupid wage, then yes... You're partially responsible.

    I think there's a difference between being a cleaner and working higher up because you have a bigger part to play. Also, a lot of people work lower down because they have to.

    It's entirely up to people where they want to work (in my view I personally wouldn't work for the government anyway because of my passions), but whatever you do people will judge you. If you're working high up in a bank which exploits people though, you're doing A LOT towards that exploitation in my view and you should deal with it.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Need2Vent wrote: »
    What I meant in my original post, was when I meet people, one of the first questions asked is what I do, so before I've said that much (eg just my name) for them to form an opinion of me I start getting a tirade of abuse, if not rolling of eyes or whatever. Being judged straightaway on job not individual. Not just me, happens to bankers, lawyers, people in insurance, estate agents etc.


    This is very, very true. Think of the reactions on this very board when people post things about estate agents etc etc. "Blood sucking leeches" is a common response.

    Gets a bit boring, people being judged just for the job they do.
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    g_angel wrote: »
    Utter bollocks.

    Not really... We're all a part of it somehow. It's impossible to escape... Unless we want to live on our own land, use permaculture to grow our own food and not pay taxes.

    Although saying that, it's likely that cleaners would be working for contract companies. Plus people who are cleaners don't really have the choice like people who go higher up either.

    (I retract my statement because it was the wrong example to use)
  • Former MemberFormer Member Posts: 1,876,324 The Mix Honorary Guru
    Well I'll shift this to work and study - let's leave the responses to those about the original post for now.
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