Creed’s moment was typically fascinating. Creed Bratton has never declared bankruptcy, When Creed Bratton gets in trouble he transfers his debt to William Charles Schneider. Referring to himself in the third person always amuses me.
funny thing about it. that passport most likely is real. i used to check passports for online verification, and we almost had everything needed to get this passport through the system. the only probably stopping us was the fact that we SHOULDN'T verify passports that are covered like that, and that the passport already expired for several years when i worked there.
Originally, they planned to have him tear up the bill, but it's illegal to intentionally destroy U.S. currency, so they switched to having him crumple it up (which is honestly a lot funnier).
The problem with the mortgage wasn’t that it was 30 years. That’s typical mortgage. The problem I see here is that he did a 10/30. Which means the interest rate will be fixed for 10 years and then re-adjust once for the remaining 20. He should have done a 30 year fixed. But I guess regardless this wouldn’t have been a problem since he left for Colorado and sold it before the 10th year hit. These mortgages are good if you don’t plan on staying there long. You typically get a lower interest rate initially than the 30 year fixed. I did a 15/30 mortgage when me and the wife bought a condo with the idea that when kids came into the picture we would sell and buy a house and saved alot of money doing this. It pays to be married to a realtor. 😁
@@MarcoBonechi True but if he did a 30 year fixed at an excellent rate he could have avoided needing to refinance altogether. Also, you still have to pay fees when you refinance.
One of my biggest questions has always been “does Michael put the dollar back in his pocket because he’s poor or is he actually stupid enough to think he destroyed its monetary value.” 😂
Jan was so bad for Michael. She used his house as her playground and made him buy or lease a Porsche while she drove it more than half the time. He was already bad with money but she just broke the piggy bank on him
It's mostly supposed to make you cringe and give you second hand embarrassment. I mean Michael gets so dumb it's kinda funny the absurds situations he gets in, i think that's the punchline
That definitely happened in the 1980s. Credit card companies would pay employees who ran a CC transaction where the card was flagged to cut it up on the spot. Worked for a restaurant where management didn't allow that bc as they pointed out, the customer would blame us for this instead of the credit card company. Later had it happen to me and it was very embarrassing.
There’s these things called closing costs to buy a house, they’re part of what you pay when you buy one. If he abandoned the deal he would still be liable to pay those costs even if he never bought the house since he signed a contract
When you are buying a house and you enter into a contract (usually after you have the house inspected) you put down what is called earnest money t9 show you are serious. It’s usually 1-3% of the house price. If you back out of the deal, you lose that money
I have an idea for the Disney animation studio What if Disney made a animation movie that’s about treasure hunting and takes place in Cuba and is about a man and his pet dogo cubano and they set off on an adventure to find the treasure and oscar Nunez Could play as our main character and his sidekick can be voice by Alan tudyk
It's amazing to think that you used to get fast-food as a cheap, quick dinner. Also, this title doesn't make much sense. The financial crisis of 2007 really only affected 'well-off' people. A lot of people with money lost money, but you can't lose much money when you don't have any to begin with LOL
So Pam says “don’t tell Jim” after she invests in Ryan’s “sure thing” for college basketball game wins; but gets very angry at Jim when he doesn’t tell her that he invested in his own start-up company. WTH is up with the hypocrisy?
@@rrrrrfffff … I understand the monetary difference. My point was she wanted to keep something from Jim, but gets angry when he did it, regardless of what it was about. Kind of a double standard.
I like that after declaring bankrupcy Oscar came in and helped him.
Oscar is a good guy
"that's not anything" cracks me up
I think Oscar feels bad for Michael. Like even though he is offended by his comments he knows Michael is simply an innocent idiot.
Same with Angela. She pays his bills I remember from one of the episodes💀
“You can’t just shout ‘bankruptcy’ and expect anything to happen”
“I didn’t shout it, I declared it”
he gave Oscar an 'actually' moment 😂
"THIS scary black bar... is what you spend on things that no one EVER, ever needs."
Such an underrated line.
His worst financial shortcoming was Scott’s Tots.
😭😭😭😭😭 why you reminded that
don't even start 😂
It's the most cringe episode for me and hilarious at the same time.
God don't even bring that up 😅
Not really
He didn’t give them a dime
It was a terrible thing to do but financially it didn’t affect him
Creed’s moment was typically fascinating. Creed Bratton has never declared bankruptcy, When Creed Bratton gets in trouble he transfers his debt to William Charles Schneider. Referring to himself in the third person always amuses me.
That was such a genius bit because Creed Bratton's birth name was William Charles Schneider but he changed it when he became a musician.
"Nobody steals from Creed Bratton and gets away with it. The last person to do this disappeared. His name: Creed Bratton."
funny thing about it. that passport most likely is real. i used to check passports for online verification, and we almost had everything needed to get this passport through the system. the only probably stopping us was the fact that we SHOULDN'T verify passports that are covered like that, and that the passport already expired for several years when i worked there.
@@LemmyKBrinkwood It was Creed Bratton's real passport, if an outdated one; that's why his fingers are covering part of the Information.
I think he’s your favorite crook!
I love how oscar uses powerpoint to not only show michael but us how he mismanages money.
PowerPOINT powerPOINT
It's because Oscar is a presentation tool
Michael can't even comprehend how much Oscar knows about spreadsheets and presentations. Oscar probably wrote macros to fully automate some stuff.
I can feel Oscar’s frustration through the screen.
You know he was thinking don't get involved when Creed started on about bankruptcy, then couldn't bite his tongue anymore at the end.
@@Triggy6825 Oscar’s a good guy. I always figured he basically did the work of two people so Kevin could stay employed
You know he's bullshitting when he says he hates monkeys. I can't imagine Michael hating monkeys.
If he really hated monkeys he would've fired stanley
@@spacegamer267 side-eye
@@svgstarlight you laughed though
for sure, he searches them on RUclips just so that he can have a good day
@@spacegamer267 hahahaha get it cause Stanley's black and racism is funny
Bro, I lost it when he put the money back in his pocket. Wtf was that? LMAO
I replay that 10x everytime I watch it. Stanley's reaction is gold.
Originally, they planned to have him tear up the bill, but it's illegal to intentionally destroy U.S. currency, so they switched to having him crumple it up (which is honestly a lot funnier).
@@micahbush5397 It absolutely makes the scene 10x funnier. One of my favorite scenes ever, it's fantastic.
If its a fake money he is tearing..thats not illegal.. plus have a scene where michael use a scotch tape to fix it up
He destroyed it. It's not even usable.
"Jan is smart.."
"she poses."
Perfect way to end the video. 😂
Dwight said wow you'll be paying this off in your mid seventies... forget about retiring when you 65 😂😂😂
The problem with the mortgage wasn’t that it was 30 years. That’s typical mortgage. The problem I see here is that he did a 10/30. Which means the interest rate will be fixed for 10 years and then re-adjust once for the remaining 20. He should have done a 30 year fixed. But I guess regardless this wouldn’t have been a problem since he left for Colorado and sold it before the 10th year hit. These mortgages are good if you don’t plan on staying there long. You typically get a lower interest rate initially than the 30 year fixed. I did a 15/30 mortgage when me and the wife bought a condo with the idea that when kids came into the picture we would sell and buy a house and saved alot of money doing this. It pays to be married to a realtor. 😁
Who would of thought I would learn something from an office comment section
No. You refinance. Even if rates go up, your principal is lower.
thats just awesome
@@MarcoBonechi True but if he did a 30 year fixed at an excellent rate he could have avoided needing to refinance altogether. Also, you still have to pay fees when you refinance.
-Women be shoppin' 🤜
~"kevin malone"
Great video, but I would have ended it with the clip of Michael trying to settle his money problems by hopping a freight train and skipping town.
I remember a time when I was in debt. Bad times. Did some things I regret now. My condolences to anyone in a tough spot 🙏
I guess you learnt and grew from there, you did back then what you had to do. I hope you're fine now
What things please? Don't leave us hanging..
They can just declare bankrupcy. But don't just say it, make sure to declare it.
@@laestrella9727 well, you can guess by user name...
❤️
He is so cringe with Carol..yet they are married in real life 😆
1:30 Pam about to break lol.
One of my biggest questions has always been “does Michael put the dollar back in his pocket because he’s poor or is he actually stupid enough to think he destroyed its monetary value.” 😂
Definitely because he is poor
He's been throwing folded notes in the trash his whole life 😂
Like a witness protection program?
Creed:”exactly”
Oscar:”not at all”
😂😂😂
Jan was so bad for Michael. She used his house as her playground and made him buy or lease a Porsche while she drove it more than half the time. He was already bad with money but she just broke the piggy bank on him
And left him with no money and on debt
We need a reunion!!
What Dwight said about the house that at Michael's age he is buying a coffin, still haunts me because I still rent and I wish to buy an apt.
1:30 Pam tries to hide her laughing with the cup :D
The fact that michael didnt notice pam standing there wearing a red top is hilarious.
I still trip out the Creed Bratton is an actual real person playing himself on this show.
There is something wise and forthlooking in Michael's quote:
Former Marine here. Can confirm that we use the Core Blaster Extreme.
imagine a uk office reunion in the cost of living crisis
“I love how you have my name at the top” 😂
"I cant believe Michael has a second job."
"not even good in his first one." - oscar.
1:08 michael looks at the camera (you) and becomes self conscious
Opening the Oscar/Michael Powerpoint scene with Michael’s face reflecting off the chart on the screen is so fucking brilliant. I can’t.
Who else thinks Michaels witness protection identity has an accent.
There was already a cost of living crisis. Creed lived in the quarry for crying out loud.
Hey I live near the quarry. We should hang out and throw things down there.
Him declaring bankruptcy was too funny when I first saw iy
4:40 Creed Bratton speaking nothing but facts here.
OH Man! Oscar should have just CRUNCH SOME NUMBERS and Michael would have bought it instead of the fancy presentation.
I like that after declaring bankruptcy Michael declared bankruptcy again
I will forever hate netflix for removing the office
we still have it, I guess it depends on the country, where are you from?
Yeah keep it up as long as you can! You’re bringing me to my college days with this
I love it! I need this show back!
0:36 no shouting,just disappointment 😂
I declare BANKRUPTCYYYYYYYYYY
2:36 lol
I know this is supposed to be funny, but financial stuff like this just stresses me the heck out.
It's mostly supposed to make you cringe and give you second hand embarrassment. I mean Michael gets so dumb it's kinda funny the absurds situations he gets in, i think that's the punchline
@@earedrobot7906 yea 🤔
I still have no idea what carol meant when she was explaining the condo rules
“Yeah woman be shoppinggg”
Oscar of all people should have known he didn’t say the word bankruptcy , he declared it! Smh 🤦♂️
I
DEClARE
*BANKRUPTSYYYYY*
It’s funny because 30 year loans are common place now. In the 50s I believe it was 5 years lmao…
Jan is smart, she poses😂
Mo monkeys, Mo problems
You are 2 year too late. We are now in a recession.
he has postit on all of his credit cards lol. Properbly with the pincodes :D
Oh that's crazy, the title of this video is my life rn 👌
Still slaps.
I'm curious: was there a time when they actually would take your card and cut it up because it was declined or whatever or was that just movie stuff?
That definitely happened in the 1980s. Credit card companies would pay employees who ran a CC transaction where the card was flagged to cut it up on the spot. Worked for a restaurant where management didn't allow that bc as they pointed out, the customer would blame us for this instead of the credit card company. Later had it happen to me and it was very embarrassing.
It ain't possible that there is no bloopers in this scene 😂 1:22
The Marine ''Core''
"Chinese was my cheap suggestion"
appropriate timing...
William Charles Schnider
I totally agree with you. But, I don't have money problems.
Honestly if Oscar looked at any of our statements I'm sure it would look similar to 7:02
I want a man like Michael. He don’t ask a woman about money! Period
I love these lol
My grocery bill has doubled and my pantry is empty
Can someone explain to me why Michael would've lost 7000 dollars if he would've walked? How is that legal?
There’s these things called closing costs to buy a house, they’re part of what you pay when you buy one. If he abandoned the deal he would still be liable to pay those costs even if he never bought the house since he signed a contract
When you are buying a house and you enter into a contract (usually after you have the house inspected) you put down what is called earnest money t9 show you are serious. It’s usually 1-3% of the house price. If you back out of the deal, you lose that money
@@davewilson7602 thank you very much 🫶🏽
It’s mental that this is a title
1:29 you can see Jenna Fischer break
You can even hear the white noise in the background.
me looking at the characters in the video and seeing micheal, micheal and micheal
Oscar was legit the only decent human being by the end of it all…
Like, the end of the series?
There was a cost of living crisis in the mid 2000s? That’s cute..
I miss the office
you can just watch it again
Women be Shopinnnn
Honestly if I was Michael I would rather lose those 7k than singing a 30 year mortgage for that condo
comedy bites still milking the office to this day holyy
0:45 🤣🤣🤣
What about Creeds 3$ cash? 😂
The "I hate monkeys" would not fly in today's climate
I honestly feel like I could handle monkeys better than I could handle my Money at this point…
Stonks , you're around five years late for that
5 years?? More like only 2 or 3
Where’s the Office Superfan season 6?
Its Michael's problem 99% of the time.
clearly "stonks" aren't going down anytime soon
How do you do this this fast?
Sorry for laughing at you. Sorry for laughing at you.
You can't just say the word bankruptcy and expect anything to happen ..
its coming
I have an idea for the Disney animation studio What if Disney made a animation movie that’s about treasure hunting and takes place in Cuba and is about a man and his pet dogo cubano and they set off on an adventure to find the treasure and oscar Nunez Could play as our main character and his sidekick can be voice by Alan tudyk
I smell Oscar
huh... u never heard james allen?
Ooh ouch
Yeah women be shoppin
0:48 bruh it's black history month
Why show the same scene twice?
Not the cossy livs
It's amazing to think that you used to get fast-food as a cheap, quick dinner.
Also, this title doesn't make much sense. The financial crisis of 2007 really only affected 'well-off' people. A lot of people with money lost money, but you can't lose much money when you don't have any to begin with LOL
Did Pam ever get her $5000
stonks
So Pam says “don’t tell Jim” after she invests in Ryan’s “sure thing” for college basketball game wins; but gets very angry at Jim when he doesn’t tell her that he invested in his own start-up company. WTH is up with the hypocrisy?
@@KatB426 this would be a good point, except the fact that she spent $50, while Jim spent their whole savings...
Kind of a big difference
@@rrrrrfffff … I understand the monetary difference. My point was she wanted to keep something from Jim, but gets angry when he did it, regardless of what it was about. Kind of a double standard.