Would you still work if your new salary is $70 k a year?

[owlegrad]

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Can confirm. The first time I refinanced, the loan officer was a PITA to contact. He was never in his office (pre pandemic) and never picked up the phone. Rarely responded to emails. Then asked for all these BS documents a few days before closing, so I had to scramble to get it all to him at the last minute. I was pissed. He gave no f*cks and still made a huge commission.

I had a somewhat similar experience once. I just went with a different company. The loan officer acted shocked - SHOCKED - that I didn't close with him. He even said something about how wrong it was for me to drop him "after all the work he did". I just told him I didn't put up with people ignoring me and then being rude to me when they did get back to me. Then I ignored about 3-5 calls from him until he gave up. They aren't doing you a favor so don't let them act like they are.

 

[JustFillIt]

I had a somewhat similar experience once. I just went with a different company. The loan officer acted shocked - SHOCKED - that I didn't close with him. He even said something about how wrong it was for me to drop him "after all the work he did". I just told him I didn't put up with people ignoring me and then being rude to me when they did get back to me. Then I ignored about 3-5 calls from him until he gave up. They aren't doing you a favor so don't let them act like they are.

If you had done the same, you would have been fired and sued for negligence. Is the extra 20k worth it?

 

[mentos]

I had a somewhat similar experience once. I just went with a different company. The loan officer acted shocked - SHOCKED - that I didn't close with him. He even said something about how wrong it was for me to drop him "after all the work he did". I just told him I didn't put up with people ignoring me and then being rude to me when they did get back to me. Then I ignored about 3-5 calls from him until he gave up. They aren't doing you a favor so don't let them act like they are.

I definitely went with someone else the second time! She was a friend of a friend and texted me to keep me updated in the evenings and even on weekends, she was great.

 

[owlegrad]

If you had done the same, you would have been fired and sued for negligence. Is the extra 20k worth it?

I make more than 90k. I also think that people other than pharmacists get fired for bad performance and that plenty of bad pharmacists never get fired or sued.

So basically I reject your premise.

 

[JustFillIt]

I make more than 90k. I also think that people other than pharmacists get fired for bad performance and that plenty of bad pharmacists never get fired or sued.

So basically I reject your premise.

Yea fair enough - broad generalizations are never a good idea.

 

[PharmtoCS]

I have heard of software engineers find creative ways to automate or even outsource their work so they could spend most of their day surfing the internet.

 

[APN-59 rph]

It’s because the golden age pharmacists were so ridiculously spoiled that they did whatever they had to do to not rock the boat for as long as possible. They took what they could, kept their head down, and sold out the future generation.

Very similar to the baby boomer generation as a whole. Starting to see a pattern here....

Pretty accurate summation....HOWEVER...flogging pills at high speed in some chain was (for me anyway) the definition of high speed drudgery...they had to pay..you had to flog...quickly...NOW..they can pay maybe 2/3rd's and you still have to flog...I fell into pharmacy by accident..but had other sources of adventure...danger ...challenge..etc..to make up for the mindless time at the grown up job...and the pay kept going up...bonuses etc...NOW..I have no idea what anyone sees in this job....maybe gluttons for punishment...BTW..anyone looking to public education better look hard...even the burbs may not save you...You laugh..but the trades are screaming for help...

 

[Gombrich12]

Yes. But then I would half ass my job.

You get what you pay for.

I'd have to quit because if I worked at the pace that 70k deserved there would be customers rioting within hours. I'd rather make 50-60k working for the state or county than 70k as a pharmacist.

 

[Sine Cura]

Get paid 40-60% less, work 40-60% less

Make 'em fire you.

For me it would be easy and also tell everyone on the team. Don't follow up with **** hospitalist offices, **** FQHCs. Do not send any refill requests. Make doctor send new rx (no transfers) etc. Don't offer vaccines, don't make any OTC recommendations

 

[confettiflyer]

Can confirm. The first time I refinanced, the loan officer was a PITA to contact. He was never in his office (pre pandemic) and never picked up the phone. Rarely responded to emails. Then asked for all these BS documents a few days before closing, so I had to scramble to get it all to him at the last minute. I was pissed. He gave no f*cks and still made a huge commission.

He probably has more loans fall out than you know, that kind of behavior irks me. When underwriting puts out a demand, I expect to know same-day so I turn it around.

Since loan is funded a few days before close, my guess is, since it happened a few days before close, it got internally audited before funds were released.

Or UW wanted stuff and your LO never forwarded the requests until he looked at the dates and had an “oh %@&!” moment. Usually we got a thumbs up/down from UW a few days after contingency clearance.

 

[mentos]

He probably has more loans fall out than you know, that kind of behavior irks me. When underwriting puts out a demand, I expect to know same-day so I turn it around.

Since loan is funded a few days before close, my guess is, since it happened a few days before close, it got internally audited before funds were released.

Or UW wanted stuff and your LO never forwarded the requests until he looked at the dates and had an “oh %@&!” moment. Usually we got a thumbs up/down from UW a few days after contingency clearance.

No excuses. My second refinance with a different loan officer was smooth as butter.

 

[BidingMyTime]

It’s because the golden age pharmacists were so ridiculously spoiled that they did whatever they had to do to not rock the boat for as long as possible. They took what they could, kept their head down, and sold out the future generation.

Very similar to the baby boomer generation as a whole. Starting to see a pattern here....

I disagree. It has nothing to do with the golden age--pharmacists could easily move from job to job for the most trivial of reasons. I think I had like 3 different jobs in 1 year at the height of it. Quite the opposite of having to "keep their head down", pharmacists could do whatever they wanted, and if that still wasn't enough, they just moved to another job.

What it is, is the type of personality that becomes pharmacists. People who become pharmacists are the personality type who just wants to keep their head down and not rock the boat--not because they have to, its because if that wasn't their personality they would have pursued a different job in the health care field.

There is nothing about pharmacy as a whole, that in any way resembles baby boomers as a whole. What an insult.