Author Topic: Overheard at Work  (Read 8078777 times)

Chris22

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Re: Overheard at Work
« Reply #10500 on: September 15, 2015, 10:24:02 AM »
I had an ESPP at an old employer too.  Similar deal, I think we could either do 5% or 10%, I forget which, but ours ran quarterly.  However, since I was in finance, and considered to have privileged information, I had to wait for the earnings release to sell.  One quarter in 2008, we lost enough from the end of the buying period to the end of the quiet period when I could sell that we lost all of the gains, plus the 15% discount, and then some.  Instead of paying $100 and getting $115, you got something like $92.  Sucked.
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mtn

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Re: Overheard at Work
« Reply #10501 on: September 15, 2015, 10:26:32 AM »
We've got a KSOP--401k and ESOP in one. Ours sucks--the only part of it that is ESOP is the company match.

mm1970

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Re: Overheard at Work
« Reply #10502 on: September 15, 2015, 11:21:44 AM »
The place I used to work had a fantastic ESPP (Employee Stock Purchase Plan). The way it worked was you would have them deduct up to 15% of your paycheck (pre-tax) which would be placed into a special account for you. At the end of 6 months, the money in that account would be used to buy shares of the company at a 15% discount (there were some other provisions about price of the stock at start and end of the 6 month period that could make it WAY more valuable but worst case, you got 15% off the price). You could then set it up to automatically sell those shares immediately. So no risk, no chance of loosing money, it would be taxed the same as your normal paycheck income.

So lets say you make 100k/year, 50k/6 months. Lets say the stock is trading at $100/share. You take your 15% of 50k ($7500) buy 88.24 shares at $85/share and auto sell them for $8823.53. Your profit is $1323.53 every 6 months or $2647 every year WORST CASE. (I had one year I profited close to $10,000 because of the other provisions).

I was completely unable to convince a singe person on my team (all young single guys making more than $100k/year) to sign up. Every 6 months I would have a conversation like:

Me: Wow, I just made X thousand dollars with the ESPP!
CW: Cool! I should sign up for that, how does it work?
Me: <explains above> (Setting this up required filling out one online form with 3 questions every 6 months.)
CW: "That sounds complicated, not worth it to me" or "You mean your paycheck is 15% less every week? How do you manage that? I could never do it." or "There must be some catch. Next time I'm sure you'll lose money. Let's see how you do in 6 months"

It was so frustrating. Here I was telling my co-workers how to get a 2.5% raise and no one would fill out the form to make it happen. At least I'm pretty sure they all were maxing their 401k match because that was another 3.5% free raise.

Eventually the company ditched the ESPP program for lack of participation and I found a new job a little later. In my exit interview I said "when they took away the ESPP program that was effectively a 2.5% pay cut for me." My manager thought I was making up numbers so I then had to explain how the program worked to him too. He at least said "oh I guess you're right, sorry about that."
That's terrible.  I miss the ESPP at my old company.  I definitely took a pay cut when I lost that.  Some years the starting stock price was $15 and then 6 months later it was at $25.  Those were great.

dragoncar

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Re: Overheard at Work
« Reply #10503 on: September 15, 2015, 12:30:23 PM »
One of my jobs had free coffee but it was disgusting.

I would walk to McD's every morning after the morning team meeting and get a coffee from there. After it was about a 1/4 full, I'd top it off with the free stuff for my 2nd cup.

$1 everyday at McD. You spendypants bastard!

If Chris can let his AC go at the stop lights with support, then I can get support for $1 coffee. :P For what it's worth, I also walked to and from work everyday to begin with.

Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

Ok, guys, you were right... I guess he is a troll

Chris22

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Re: Overheard at Work
« Reply #10504 on: September 15, 2015, 12:38:08 PM »
One of my jobs had free coffee but it was disgusting.

I would walk to McD's every morning after the morning team meeting and get a coffee from there. After it was about a 1/4 full, I'd top it off with the free stuff for my 2nd cup.

$1 everyday at McD. You spendypants bastard!

If Chris can let his AC go at the stop lights with support, then I can get support for $1 coffee. :P For what it's worth, I also walked to and from work everyday to begin with.

Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

Ok, guys, you were right... I guess he is a troll

How's that trollish?
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

K-Dogg

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Re: Overheard at Work
« Reply #10505 on: September 15, 2015, 12:43:28 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

solon

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Re: Overheard at Work
« Reply #10506 on: September 15, 2015, 12:45:29 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

This is one of those conversations that just gets worse and worse the longer it goes on!

KittyCat

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Re: Overheard at Work
« Reply #10507 on: September 15, 2015, 12:50:49 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.
I've never even heard of 29.99% auto loans! Wow, that conversation sounds painful.

Chris22

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Re: Overheard at Work
« Reply #10508 on: September 15, 2015, 12:51:17 PM »
$45k for a Jeep Compass??  The most expensive one I built on Edmunds just at a glance was $29k, and you should be able to get a healthy amount off of that (maybe $4-5k?)  You sure she didn't buy TWO??
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

MgoSam

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Re: Overheard at Work
« Reply #10509 on: September 15, 2015, 12:53:46 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

This is one of those conversations that just gets worse and worse the longer it goes on!

Is there any way that I can get in on this action? If people are dumb enough to pay 8.4% interest on a depreciating asset, I want to invest in this racket.

mtn

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Re: Overheard at Work
« Reply #10510 on: September 15, 2015, 01:17:30 PM »
$45k for a Jeep Compass??  The most expensive one I built on Edmunds just at a glance was $29k, and you should be able to get a healthy amount off of that (maybe $4-5k?)  You sure she didn't buy TWO??

No kidding--I think they start at about $17,000 or so, give or take $2k? I'm calling foul on that post. Perhaps you meant a Grand Cherokee?

vivophoenix

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Re: Overheard at Work
« Reply #10511 on: September 15, 2015, 01:19:04 PM »
$45k for a Jeep Compass??  The most expensive one I built on Edmunds just at a glance was $29k, and you should be able to get a healthy amount off of that (maybe $4-5k?)  You sure she didn't buy TWO??

No kidding--I think they start at about $17,000 or so, give or take $2k? I'm calling foul on that post. Perhaps you meant a Grand Cherokee?
maybe she got the clear coat and the road side service and the extended warranty

RFAAOATB

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Re: Overheard at Work
« Reply #10512 on: September 15, 2015, 03:38:49 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

This is one of those conversations that just gets worse and worse the longer it goes on!

Is there any way that I can get in on this action? If people are dumb enough to pay 8.4% interest on a depreciating asset, I want to invest in this racket.

There's always money in exploiting the poor.  Buy Here Pay Here, Payday Loans, and Rent to Own is the wave of the future.  My wife invests in a sustainable energy investment fund... I'm thinking we need a Fuck the Poor investment fund to add to the portfolio.

Paul der Krake

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Re: Overheard at Work
« Reply #10513 on: September 15, 2015, 04:17:45 PM »
There's always money in exploiting the poor.  Buy Here Pay Here, Payday Loans, and Rent to Own is the wave of the future.  My wife invests in a sustainable energy investment fund... I'm thinking we need a Fuck the Poor investment fund to add to the portfolio.
There are a few publicly traded private prisons companies out there. Maybe throw in some fast food corps and gambling and you've got yourself a fund.

Dollar Slice

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Re: Overheard at Work
« Reply #10514 on: September 15, 2015, 04:42:36 PM »
There are a few publicly traded private prisons companies out there. Maybe throw in some fast food corps and gambling and you've got yourself a fund.
Don't forget cigarettes & beer.
Referrals for...
Prolific Academic: http://www.prolific.ac/rp?ref=3PJ4H43L (Earn money by taking academic surveys - way better than mturk, I average ~$9/hr)
Robinhood: http://bit.ly/2uGXBPG (Get a free stock!)

dragoncar

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Re: Overheard at Work
« Reply #10515 on: September 15, 2015, 05:38:29 PM »
What is the appeal of "buy here pay here?"  Like do dealerships often force people to pay somewhere else?

As to trolling comments... If you don't see it...

lostamonkey

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Re: Overheard at Work
« Reply #10516 on: September 15, 2015, 05:45:57 PM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

This is one of those conversations that just gets worse and worse the longer it goes on!

Is there any way that I can get in on this action? If people are dumb enough to pay 8.4% interest on a depreciating asset, I want to invest in this racket.

If you invest in an index fund, then you are already in on the action. The car companies and banks are probably listed on the index.

LeRainDrop

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Re: Overheard at Work
« Reply #10517 on: September 15, 2015, 07:02:41 PM »
What is the appeal of "buy here pay here?"  Like do dealerships often force people to pay somewhere else?

Haha!  For those of you like me, who'd never heard of "buy here pay here" dealerships, autotrader explains:  http://buyherepayhere.autotrader.com/credit-help-center/what-is-buy-here-pay-here/5#.Vfi_DRFViko

Hedge_87

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Re: Overheard at Work
« Reply #10518 on: September 15, 2015, 07:28:24 PM »
I normally order in the office supplies...I've gone on strike this past week and we are out of paper cups.  My theory was, if we don't have paper cups, of which we were going through 2-3 per person, per day, people will use the FULL cabinet of ceramic mugs, and then place them in the dishwasher when they are done (seriously they don't even have to wash them by hand, the office kitchen has a dishwasher).  As of 10 minutes ago, day 2 of being out of cups...they just took an "office order" to go get coffee from McDonalds down the way because they "were dragging without their coffee". 

I looked at them and went seriously...you are going to go BUY coffee, instead of washing a mug out (they've been in the cabinet forever) and using it?  Apparently that's a big fat yes.

Pure craziness! I prefer to drink coffee out of a real mug. Just like I prefer to drink (insert alcoholic beverage here) out of a real glass too. Then you throw in the whole better for the planet thing and it's hands down the better choice.
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JetBlast

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Re: Overheard at Work
« Reply #10519 on: September 15, 2015, 07:51:03 PM »
Not really overheard but something I see at work that makes me sad. The terminals at O'Hare airport have Illinois Lottery kiosks and there's almost always low paid airport employees standing there giving their money away. Baggage handlers, wheelchair pushers, and fast food and retail workers seem to be the primary customers of these kiosks. It's a little depressing watching the people that get paid the least blowing their hard earned money on lottery tickets.

Tick-Tock

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Re: Overheard at Work
« Reply #10520 on: September 15, 2015, 08:26:05 PM »
Not really overheard but something I see at work that makes me sad. The terminals at O'Hare airport have Illinois Lottery kiosks and there's almost always low paid airport employees standing there giving their money away. Baggage handlers, wheelchair pushers, and fast food and retail workers seem to be the primary customers of these kiosks. It's a little depressing watching the people that get paid the least blowing their hard earned money on lottery tickets.

What's even sadder is that Illinois is giving IOUs instead of lottery winnings for prizes over $25K until the state passes a budget.  So they won't necessarily get paid for awhile even if they win!

Urchina

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Re: Overheard at Work
« Reply #10521 on: September 15, 2015, 10:19:57 PM »
Not overheard at work, but when I was in grad school I shared a house with 5 other people (total firetrap ancient house, but the rent was $200/month!). One of my roommates would come home from her minimum-wage job as a CNA (tough work), smoke a joint (a whole joint) and eat a pint of Ben & Jerry's ice cream while watching her giant TV in her room. Then she'd come out to the living room and complain about how she was fat and broke. (She was both of these things, but apparently never put two and two together.)

Her sister, another roomate, worked in a bank and was clever. However, she was furious with her parents for not putting her through college "the way other kids' parents do." She hadn't gone to college because she "couldn't afford it." That's true, but only because she partied every weekend and spent more on dry-cleaning in a month than I lived on. And the dirt-cheap-and-very-good community college was a short drive away....

Between them, these two sisters had so much debt that we got 5 or so phone calls from collections agencies a DAY. (Cell phones weren't ubiquitous yet). So they paid for caller ID ($15 extra per month) so that they could look and see who was calling before answering it. I explained that if they took that $15 per month and used it to pay off their debts (via a snowball), the collections agencies would stop calling.

Got blank looks for that piece of advice, too.

I am so glad I moved out of that house.
« Last Edit: September 15, 2015, 10:23:05 PM by Urchina »

dragoncar

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Re: Overheard at Work
« Reply #10522 on: September 16, 2015, 12:46:51 AM »
smoke a joint (a whole joint)

So do people not smoke a whole joint at a time?

Pooperman

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Re: Overheard at Work
« Reply #10523 on: September 16, 2015, 03:50:51 AM »
smoke a joint (a whole joint)

So do people not smoke a whole joint at a time?

"Today's episode has been brought to you by the letter joint."
"Joint isn't a letter."
Today's episode has been brought to you by the number 3. That's how many joints I've smoked today!"

theadvicist

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Re: Overheard at Work
« Reply #10524 on: September 16, 2015, 04:41:57 AM »

Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

No skin in this game, but since you seem unable to see it Chris, I will outline why this sounds like trolling, given the forum we are on.
1) driving to the end of the block. (Yes you may have been on your way elsewhere, but driving such distances is generally frowned upon here. Sounds like the very height of clown-car driving).
2) allowing a child to 'insist' on which car you took. Who's the adult here? Pandering to kids and spoiling them with material excess is again, your right, but contrary to the general consensus on these boards.
3) having a choice of cars in the first place. Again, multiple car ownership, whilst totally up to you, stands out on a board about frugality that has a heavy emphasis on reducing car use.

Now I've spelt it all out, I'm worried I'm feeding the troll?!

BlueHouse

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Re: Overheard at Work
« Reply #10525 on: September 16, 2015, 06:18:42 AM »
Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

Ok, guys, you were right... I guess he is a troll

How's that trollish?
I come here for inspiration and to be a better steward for the environment and practice saving more. Chris22's comments tell me it's okay to be wasteful and frivolous because it's just a little bit.

 Just saying:  those comments do not inspire me to be better at anything.
Sometimes nothing can be a real cool hand

mtn

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Re: Overheard at Work
« Reply #10526 on: September 16, 2015, 06:22:45 AM »
Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

Ok, guys, you were right... I guess he is a troll

How's that trollish?
I come here for inspiration and to be a better steward for the environment and practice saving more. Chris22's comments tell me it's okay to be wasteful and frivolous because it's just a little bit.

 Just saying:  those comments do not inspire me to be better at anything.

This comment inspires me to go take a dump, because it was shitty. Thanks!

Gawd, everyone here is like a seventh grade girl experiencing hormone mood swings for the first time. Get over it ya'll.

HairyUpperLip

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Re: Overheard at Work
« Reply #10527 on: September 16, 2015, 06:38:33 AM »
Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

Ok, guys, you were right... I guess he is a troll
Sounds like everyone here needs to smoke a whole joint...



smoke a joint (a whole joint)


So do people not smoke a whole joint at a time?



How's that trollish?

I come here for inspiration and to be a better steward for the environment and practice saving more. Chris22's comments tell me it's okay to be wasteful and frivolous because it's just a little bit.

 Just saying:  those comments do not inspire me to be better at anything.


Chris22

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Re: Overheard at Work
« Reply #10528 on: September 16, 2015, 08:30:33 AM »

Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

No skin in this game, but since you seem unable to see it Chris, I will outline why this sounds like trolling, given the forum we are on.
1) driving to the end of the block. (Yes you may have been on your way elsewhere, but driving such distances is generally frowned upon here. Sounds like the very height of clown-car driving).

Yes.  I drive to the end of the block.  Drop my kid off.  Then get in the car and go to work.  I drop my kid off at about 8:15 with the goal of being at work as close to 8:30 as possible (the unofficial "should be in the office" time.)  Yes, I could walk to school, walk back to the house, and then drive past the school I just walked to.  Alternately, I could ride my bike to drop my daughter off, then ride about 45 minutes to work, and to make it at the same time I'd pay $5/hr for childcare (school starts at 8:15, you pay for extended hours prior to that time) instead of about $1/day for gas.  Great call.  The knee-jerk "clown car" bullshit is just that.


Quote
2) allowing a child to 'insist' on which car you took. Who's the adult here? Pandering to kids and spoiling them with material excess is again, your right, but contrary to the general consensus on these boards.

Uh, she insisted the same way a friend might insist he buy your next beer.  Real tough sell to get me to drive my sports car on a beautiful sunny day.  How that's pandering and spoiling to allow my kid to pick which car we already own to ride in is beyond me.  Who gives a shit?


Quote
3) having a choice of cars in the first place. Again, multiple car ownership, whilst totally up to you, stands out on a board about frugality that has a heavy emphasis on reducing car use.

I know, I'm terrible, I keep a 13y/o long-paid-for 4cyl convertible in the garage because it makes me happy and helps me enjoy life.  Given that I can't drive two cars at once, it doesn't increase the amount I drive one iota.  It just makes me happier while I do it.



Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question." 
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

ambimammular

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Re: Overheard at Work
« Reply #10529 on: September 16, 2015, 09:05:05 AM »
And sometime, the difference may be neglictible but the whole idea behind is more important.

Yeah, sorry, that's stupid.  If we're supposed to be optimizing stuff, why are we wasting energy doing something for the "idea" of it if the numbers don't work out?  Isn't that the exact opposite of the whole point?

ok then, leaving the lights on when you dont need it is a big deal so, lets do it. Do you shut it off to save few pennies? When you say "don't work out" you mean "not enough to bother" or "result is the oposite of what I think it should be"?

Both. You're forgetting that everything has a cost. Comfort, time, etc.

I turn the lights off when I leave the room. Over a year, or a month, it can add up. I don't turn the lights off when I'm going to be back in the room in a minute or two, because the switches are really inconvenient. The 30* seconds extra to go turn off the lights and then turn them on when I get back is not worth it for me; I just leave them on. That would add up to probably a dollar a year saved on my electric bill with the lights that I use (currently all CFL in that room), so I don't turn them off if I'll be back in that room within 5 minutes.

Similarly, for me (and probably Chris) the cost of having the AC on at a stoplight was for me maybe an extra half gallon a tank. If that. $2 a month for 3 months for added comfort and not showing up to my destination covered in sweat? Yeah, that is worth it, and the result is the opposite of what I expected--it costs me more to have the AC off than on. I value my comfort pretty highly once my clothes are on the verge of getting wet.

*It really is 30** seconds to turn on/off the lights in my bedroom right now. That is a temporary thing; I am moving into the place and the room is a mess of boxes around a bed. I can't get to the light switch.
**Ok, probably only about 10 or 15. Still, really annoying.

When I was a kid I could walk into the bathroom, flick on the lights, and find my mom sitting on the toilet. HA! Seriously, Mom. 

Now I do the same thing all the time. There's plenty of light coming in from the window and its not like I'm doing something that needs great visibility. 

ShoulderThingThatGoesUp

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Re: Overheard at Work
« Reply #10530 on: September 16, 2015, 09:08:12 AM »
When I was a kid I could walk into the bathroom, flick on the lights, and find my mom sitting on the toilet. HA! Seriously, Mom. 

Now I do the same thing all the time. There's plenty of light coming in from the window and its not like I'm doing something that needs great visibility.

If it's sufficiently dark I just sit to pee.

cripzychiken

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Re: Overheard at Work
« Reply #10531 on: September 16, 2015, 09:46:17 AM »
When I was a kid I could walk into the bathroom, flick on the lights, and find my mom sitting on the toilet. HA! Seriously, Mom. 

Now I do the same thing all the time. There's plenty of light coming in from the window and its not like I'm doing something that needs great visibility.

If it's sufficiently dark I just sit to pee.

This weekend after doing yard work I took a shower in the middle of the afternoon, the wife thought it was weird that I didn't turn the light on (I didn't even realize).  After she flicked the light on, she laughed b/c she couldn't even tell the difference.

As for sitting to pee - every morning, I'm still too asleep to ensure I aim properly.

Cookie78

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Re: Overheard at Work
« Reply #10532 on: September 16, 2015, 09:49:35 AM »
When I was a kid I could walk into the bathroom, flick on the lights, and find my mom sitting on the toilet. HA! Seriously, Mom. 

Now I do the same thing all the time. There's plenty of light coming in from the window and its not like I'm doing something that needs great visibility.

If it's sufficiently dark I just sit to pee.

I did that last week in the middle of the night. I rarely turn the light on when I get up to pee in the middle of the night. But this time I saw something floating in the toilet and turned the light on to look after I finished. It was a wasp struggling to get out of the water. That could have ended up poorly for my bum!

theadvicist

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Re: Overheard at Work
« Reply #10533 on: September 16, 2015, 09:55:57 AM »

Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question."

Chris, no need to justify your life choices to me, or leave the boards. I was responding to your direct question, "How's that trollish?". I just thought you didn't understand how your post could be -construed- as trollish, so I outlined it for you. I was not attacking your choices, I was explaining how they differ from the general consensus around here, and therefore why people were questioning whether you were just trying to get a rise out of people. I, for one, like to hear differing view points and enjoy constructive debate.

Melchior

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Re: Overheard at Work
« Reply #10534 on: September 16, 2015, 11:20:06 AM »
If a perfectly reasonable explanation of why many might wonder if your posts are trolling is interpreted as a personal attack, perhaps you should take a step back and relax. Some will get worked up over others' percieved wastefulness; we all have our own triggers.

I do think we might need an Overheard in the Overheard at Work thread thread though =)

infogoon

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Re: Overheard at Work
« Reply #10535 on: September 16, 2015, 11:20:22 AM »
Not really overheard but something I see at work that makes me sad. The terminals at O'Hare airport have Illinois Lottery kiosks and there's almost always low paid airport employees standing there giving their money away. Baggage handlers, wheelchair pushers, and fast food and retail workers seem to be the primary customers of these kiosks. It's a little depressing watching the people that get paid the least blowing their hard earned money on lottery tickets.

A coworker from my previous job told me that he used to get annoyed at seeing able-bodied citizens using food stamps, but it stopped bothering him when he realized they usually walked straight from the checkout to the scratch-off lottery ticket machines and gave all that money back to the state anyway.

K-Dogg

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Re: Overheard at Work
« Reply #10536 on: September 16, 2015, 11:32:10 AM »
Background: CW1 texts me pictures of her new Jeep Compass she bought over the weekend. She makes around 60k/year and work is spotty this year with the recession.

CW1 – Just got this!
Me –   Wow, that looks hella expensive.
CW1 – Nah, it’s small.
Me –   My Mazda is smallish (there are smaller cars)

So Monday rolls around.

CW1 – Ya, it’s fully loaded: leather, moon roof, heated seats.
CW2 – Those are nice. Probably got a good deal on financing.
CW1 – I was surprised I got it. The dealership told me I wouldn’t qualify for 40k, but then they approved me for 45k!
Me – (head explodes)
CW2 – How much is the interest rate?
CW1 – Only 8.4%.
CW3 – That’s not bad! I was paying 29.99% for 4 years! But now I qualify for 0% so I’m going to go look at trucks tonight.

This is one of those conversations that just gets worse and worse the longer it goes on!

Is there any way that I can get in on this action? If people are dumb enough to pay 8.4% interest on a depreciating asset, I want to invest in this racket.

If you invest in an index fund, then you are already in on the action. The car companies and banks are probably listed on the index.


Update!

I checked the pricing online for a nearby Jeep dealership and I seen a Compass listed for 37k. I believe Americans pay much less for cars than we Canadians do and we have to pay $1500 extra just to have it delivered known as the "destination charge."

Anyways, CW3 did go look at trucks that night!

CW1: Did you find the truck you were looking for?
CW3: Yup. It's being built this week. They wanted 63k but I got them down to 55K! It's 0% interest so why not!?
CW2: You should buy some "depreciation insurance." That way if you get in an accident in the next two years, they will pay you out the full price of what you paid.
CW3: I'll look into that. I don't know how high my insurance will be since I'm still getting screwed on some charges I got 7 years ago.
CW2: Oh I'm getting screwed too. They doubled my insurance from $200/month to $400/month because of some speeding tickets without telling me. I freaked out.
CW1: So when do you get your truck?
CW3: I'll go in this weekend. I put a $1000 deposit down to hold it, so once it gets on the lot they can't sell it to someone else. I wouldn't let them run my credit until I see the truck though.
Me: (not understanding this at all)
CW3: I'm just going to roll the 5K left on my current truck into this loan too. (So it'll be 60K!)
CW2: Ya, that's what I did when I got my truck last year.

Oh people are crazy!

HairyUpperLip

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Re: Overheard at Work
« Reply #10537 on: September 16, 2015, 12:14:45 PM »

Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question."

Chris, no need to justify your life choices to me, or leave the boards. I was responding to your direct question, "How's that trollish?". I just thought you didn't understand how your post could be -construed- as trollish, so I outlined it for you. I was not attacking your choices, I was explaining how they differ from the general consensus around here, and therefore why people were questioning whether you were just trying to get a rise out of people. I, for one, like to hear differing view points and enjoy constructive debate.

yeah man, don't be mad. you are my Honda friend.

Honestly, a lot of the people on the forum don't understand cars or that people could be car enthusiasts. I've noticed some of the same things you, but I just learned it's better not to tell everyone on here I like cars. Plus, mob mentality and the internet, easy for everyone to be perfect on here - at least you kept it real about your choices.

RWD

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Re: Overheard at Work
« Reply #10538 on: September 16, 2015, 12:30:39 PM »

Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question."

Chris, no need to justify your life choices to me, or leave the boards. I was responding to your direct question, "How's that trollish?". I just thought you didn't understand how your post could be -construed- as trollish, so I outlined it for you. I was not attacking your choices, I was explaining how they differ from the general consensus around here, and therefore why people were questioning whether you were just trying to get a rise out of people. I, for one, like to hear differing view points and enjoy constructive debate.

yeah man, don't be mad. you are my Honda friend.

Honestly, a lot of the people on the forum don't understand cars or that people could be car enthusiasts. I've noticed some of the same things you, but I just learned it's better not to tell everyone on here I like cars. Plus, mob mentality and the internet, easy for everyone to be perfect on here - at least you kept it real about your choices.

There are definitely other car enthusiasts on this forum. For example:
http://forum.mrmoneymustache.com/welcome-to-the-forum/mustachian-dream-car-thread/

dragoncar

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Re: Overheard at Work
« Reply #10539 on: September 16, 2015, 12:41:55 PM »

Drove to work this AM, top down.  Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno.  Daughter insisted we take "Red car" to preschool instead of normal "black car."  (Preschool at the end of the block, I understand I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah).

No skin in this game, but since you seem unable to see it Chris, I will outline why this sounds like trolling, given the forum we are on.
1) driving to the end of the block. (Yes you may have been on your way elsewhere, but driving such distances is generally frowned upon here. Sounds like the very height of clown-car driving).

Yes.  I drive to the end of the block.  Drop my kid off.  Then get in the car and go to work.  I drop my kid off at about 8:15 with the goal of being at work as close to 8:30 as possible (the unofficial "should be in the office" time.)  Yes, I could walk to school, walk back to the house, and then drive past the school I just walked to.  Alternately, I could ride my bike to drop my daughter off, then ride about 45 minutes to work, and to make it at the same time I'd pay $5/hr for childcare (school starts at 8:15, you pay for extended hours prior to that time) instead of about $1/day for gas.  Great call.  The knee-jerk "clown car" bullshit is just that.


Quote
2) allowing a child to 'insist' on which car you took. Who's the adult here? Pandering to kids and spoiling them with material excess is again, your right, but contrary to the general consensus on these boards.

Uh, she insisted the same way a friend might insist he buy your next beer.  Real tough sell to get me to drive my sports car on a beautiful sunny day.  How that's pandering and spoiling to allow my kid to pick which car we already own to ride in is beyond me.  Who gives a shit?


Quote
3) having a choice of cars in the first place. Again, multiple car ownership, whilst totally up to you, stands out on a board about frugality that has a heavy emphasis on reducing car use.

I know, I'm terrible, I keep a 13y/o long-paid-for 4cyl convertible in the garage because it makes me happy and helps me enjoy life.  Given that I can't drive two cars at once, it doesn't increase the amount I drive one iota.  It just makes me happier while I do it.



Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question."

Lemme get this straight...

You were trying to start a serious discussion about personal finance with such gems as "Don't remember the A/C being on, but I didn't intentionally turn it on.  I dunno." and "I'm putting her life in grave danger driving 200yds at 17mph without a car seat and near the airbag, I accept it, blah blah"? 

And the post is in reply to a story about a guy drinking McDonalds coffee? 

And MMM is bad at math?

And now you are ragequitting because we don't take your nonsequitur seriously?

mkay


edit: I don't drive every dime out of my budget.  For all I know,  might be more spendypants than you.  But I do find it hard to believe you don't understand the way your posts come off.
« Last Edit: September 16, 2015, 12:44:14 PM by dragoncar »

Posthumane

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Re: Overheard at Work
« Reply #10540 on: September 16, 2015, 12:49:44 PM »
One of my co-workers (okay, bosses...) in one of my jobs was talking about how he already has two pensions in addition to the 1.5 jobs he works, and in 17 years he will have a third. Two years after that he will have CPP (canada pensions plan) and OAS (old age securiy) and then he'll finally have enough to quit his job(s). He also mentioned that the only way he could quit his job on lottery winnings was if the amount was over $48 million as he has too many expensive things he wants to do in retirements (like buy a helicopter).

FatCat

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Re: Overheard at Work
« Reply #10541 on: September 16, 2015, 01:19:13 PM »
Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.

I think different people might be aiming for different things. I personally am trying to optimize my lifestyle to suit my own needs and wants. I am mostly hoping to see other people's ideas that I hadn't already thought of myself that might be useful for my own life. Some people do seem to be primarily trying to copy MMM's ideas as much as possible with the idea that his way is the optimal way. Considering some of the wording on this site, it seems to be highly encouraged so one should probably expect it.

I think the issue is that you describe something that just sounds wasteful, but without any contextual framing that demonstrates it might not be as wasteful as it sounds and may actually be the optimal choice for you. And certain things that people assume to be wasteful aren't as wasteful as they appear to be. And some statements seem designed to be questioned/criticized so that you can go back in and explain that in actuality it's not as bad as it appears.

mm1970

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Re: Overheard at Work
« Reply #10542 on: September 16, 2015, 01:20:15 PM »
Quote
Yes.  I drive to the end of the block.  Drop my kid off.  Then get in the car and go to work.  I drop my kid off at about 8:15 with the goal of being at work as close to 8:30 as possible (the unofficial "should be in the office" time.)  Yes, I could walk to school, walk back to the house, and then drive past the school I just walked to.  Alternately, I could ride my bike to drop my daughter off, then ride about 45 minutes to work, and to make it at the same time I'd pay $5/hr for childcare (school starts at 8:15, you pay for extended hours prior to that time) instead of about $1/day for gas.  Great call.  The knee-jerk "clown car" bullshit is just that.

I'm with you on this one, but many people don't see it that way, and that's ok.  I mean, we drive our kids to school and daycare. I know, I know.  But I'm not MMM and we have 2 kids at 2 different places and 2 full time jobs (by choice people!!)

So Weds is our unofficial "Walk to School Day" (which is up over a really big hill, 0.75 miles each way).  That day, I walk my big kid to school, sometimes the neighbor girls (but not all 3 of them, because no-way I'm wrangling the 4 year old).  Sometimes I have my toddler in the stroller, sometimes my husband takes him to daycare first, depending on when he wakes up.  I use this chance to drop off things at the office to be copied (I'm on the PTA board), and catch up with other board members on projects.  Then I walk home, take the toddler to daycare, and get to work, super late.

But on a normal day, the "morning parent" either walks the big kid to the neighbor's house for carpool or drives him to school.  The "morning parent" has 2 dropoffs.  The "afternoon parent" has 2 pickups.  It doesn't make sense to walk and add all that time, when dropoff #1 is 0.75 miles from home and dropoff #2 is a couple of miles past that and work is 12 miles from there.  And "afternoon parent" does the reverse.

It's more efficient to drop off "on the way".  Kudos to my friends who work from home, or don't work, or are business owners, or live closer to the school.  Totally awesome.

Hall11235

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Re: Overheard at Work
« Reply #10543 on: September 16, 2015, 01:49:37 PM »
Well, the financial trainwreck that are my coworkers continues... 2 stories here:
1).
CW: I'm thinking about hiring a cleaning service for my house. I am ok spending around 100 dollars a week. (This is our receptionist, who makes under 40k a year).
Me: (After my face stopped melting) That seems a tad pricey. That's like 5200 dollars a year, or almost 20% of your take home pay. Is having a spotless home that important?
CW: Yeah, I need a clean home. You don't own one, so you wouldn't understand (I'm the 22 year old "kid"). I never think about things like that. It's only 100 dollars a week! I just won't think about how much it costs per year.
Me: (Walks away in disgust).

2).
Conversation with our warehouse associate:

Me: My credit score is right around 730. I am pretty happy with that since I have only had a CC for a few months. I try to never carry a balance. (Glowing with MMM smugness).
CW: That's awesome! My credit is right around 600. It was 343 at its lowest.
Me: Sounds like there's a story there, if you want to share...
CW: Sure! When I was 20, I wanted to build my credit so I applied for two credit cards and then maxed them out and payed monthly payments on them. I thought that was how you built credit. Then, I went to automotive school and didn't like it; the classes weren't what I was expecting or told to expect. So, I refused to pay the bills for school on principle. I wasn't employed at the time...
Me: Did you declare bankruptcy? (Trying to look away from the train wreck, but just couldn't)
CW: Nah, man. It cost $2,000 to declare bankruptcy, and I didn't have much money at the time.
Me: Why didn't you pay that tuition?
CW: I refuse to pay people if their service doesn't live up my expectations.
Me: Didn't you sign a contract saying you'd pay that money?
CW: Yeah, but those F****** said that the school would be like XYZ and it wasn't, so I chose not to pay.
Me: (Trying to extricate my self from this poison ASAP) Well, I'm glad you got it figured out... (promptly ran to the MMM forums for some sanity)
"Just because it's common, doesn't mean it's normal."

LeRainDrop

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Re: Overheard at Work
« Reply #10544 on: September 16, 2015, 01:59:50 PM »

Look, I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site.  Increasingly, I'm seeing that it is.  I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do.  That apparently isn't the point.  The point seems to be to live in a prescripted way and congratulate each other on how close you can get to matching thy Holy Diety MMM, who is generally bad at math and demonstrably makes incredibly poor leaps in logic and pulls numbers out of his ass to try and make a point*.  I never intended to post, but got drawn in discussing things related to cars, because that's my passion, and the group here seems incredibly ill-informed when it comes to them (ie, running A/C is a punch-you-in-the-balls offense, when in reality modern systems are very efficient with minimal mileage penalty).  I see now that trying to provide another viewpoint and further, corrective information is considered "trolling" here (In most of the rest of the internet, sincere disagreement is not trolling, dunno why it is here) and is unwelcome.  Got it.  After this post, I'm going to lock my account and wander off.  You guys want an circlejerk echo chamber where you can congratulate each other on who can sweat the most to avoid paying a dime, fine.  I'll leave you to it.  Just don't pretend you're having anything close to a "discussion".


*See things like converting miles driven to time on road to make bikes safer than cars, a clearly idiotic way to look at it given no one says "let me take 1 hour to get to work no matter the distance" instead of "I live 10 miles away, that's 20 minutes by car and 40 by bike".  See also "a small apartment is cheaper than a suburban house and those are good comparables" or "an SUV by default must always be the dumber choice no matter the actual costs in question."

Chris, no need to justify your life choices to me, or leave the boards. I was responding to your direct question, "How's that trollish?". I just thought you didn't understand how your post could be -construed- as trollish, so I outlined it for you. I was not attacking your choices, I was explaining how they differ from the general consensus around here, and therefore why people were questioning whether you were just trying to get a rise out of people. I, for one, like to hear differing view points and enjoy constructive debate.

yeah man, don't be mad. you are my Honda friend.

Honestly, a lot of the people on the forum don't understand cars or that people could be car enthusiasts. I've noticed some of the same things you, but I just learned it's better not to tell everyone on here I like cars. Plus, mob mentality and the internet, easy for everyone to be perfect on here - at least you kept it real about your choices.

I'm not even a car enthusiast, and I still think it's unfair to harp on Chris22 (or allege that he's "trolling") for running the car AC with the windows down or for driving his daughter to school on his route to work!  Chris22 stated my philosophy perfectly:  ". . .  I originally came on this board with interest, because it DIDN'T seem like the same old "drive every dime out of your life and live like a pauper forever" site. . . . I try to OPTIMIZE (that's what we're here for, right?) my life, and reduce waste in areas I don't care about to spend in areas I do."

skunkfunk

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Re: Overheard at Work
« Reply #10545 on: September 16, 2015, 02:07:14 PM »

he may even want to look into a switch from electric to propane to save even more.


Around here it's just about a wash. Since I hate getting the propane tanks filled, I'd even say electric would be better.

Not so around there?

nobodyspecial

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Re: Overheard at Work
« Reply #10546 on: September 16, 2015, 02:23:02 PM »
He corrected me. Apparently I couldn't hook it up because soldering is involved, and only plumbers can do that.
Confession time.
Bought a new house with a rusted water heater.
I bought the tank, ripped out the old one and put the new one in but decided not to solder the pipes.
I'm new to the country, not "certified", out all day,  what if I caused a leak, would the insurance pay,.....
The plumber turned up and used plastic pex tubing and shark-bite connectors - no soldering.
Apparently the water is so acid here that copper pipe doesn't last as long

Making Cookies

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Re: Overheard at Work
« Reply #10547 on: September 16, 2015, 09:08:06 PM »
I've actually heard people say that it's because the A/C in a vehicle works just as hard whether the windows are up or down. It doesn't shut off when it reaches a certain temp. It's ridiculous, but some people like to have "fresh air" with their cool air.

All that a/c air just exits the car through the body vent in the back of the cab or trunk unless you have it set to recirc. You might as well have the windows open.

FWIW I idled a Dodge Intrepid one night - the whole night - at work to stay warm on a reflash watch (building at work burned). I believe it used just shy of half a tank of gas. And yeah - it reflashed once.

Making Cookies

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Re: Overheard at Work
« Reply #10548 on: September 16, 2015, 09:11:56 PM »

Heat is essentially free. I have definitely turned the heat on a little with windows open - you know those warm summer night drives, where at 2 am it dips to 60; the open windows feel so good, but the cold starts to get through to the bone? It's pretty nice to turn the heat on.

Not AC and windows, though.

Heck in the winter I've been known to ride around with the top down on my old convertible...

Making Cookies

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Re: Overheard at Work
« Reply #10549 on: September 16, 2015, 10:09:37 PM »
- the she had a fight with him about their last holiday to Europe where he suggested they might stay in a hostel. WTF? If someone was bank rolling my Euro trip for me I sure as hell wouldn't be complaining about their accommodation choices.

Years ago i was dating this girl and all the signs said "move on" but I was kind of stubborn and thickheaded. Wondered if she was "the one".

Had limited funds once and told her we could go somewhere nice if we went "Dutch" or I'd take her out for a burger. Dutch was not an option... Ahhh - is unable to deal with financial reality. A few more little episodes like that and we went out separate ways. Another example: she couldn't find a job. Turned out she was sleeping until after noon and it was nearly closing time before she got it together and started visiting HR departments. Her parents made it easy for her to live easy at home.