Author Topic: Overheard at Work  (Read 8461258 times)

RidinTheAsama

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Re: Overheard at Work
« Reply #10600 on: September 22, 2015, 12:14:25 PM »
Also, every University Lecturer I had that had published a text book made it a required text for their class. We all knew it was so they would get royalties!
Actually I think they just wanted to use the best work available. The royalties are about how much? Half a day teaching? Or it is a very big class.


I'm in the UK, lecturers are not particularly well-paid. And a first year History 101 course? There are a lot of students! Of course, they'll tell you it's the best work available, and I'm not saying they were bad books... but when every lecturer has written THE text you need for their course, well, if it were very specialist areas, maybe. But for first year undergrad courses, I do think they are motivated by self-interest (and I don't blame them one bit!)

I would also expect that the book they wrote is the one they are most familiar with.  And therefore feel most comfortable structuring lessons around and opening up discussions.  I don't mean to imply laziness ... just efficiency.

dragoncar

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Re: Overheard at Work
« Reply #10601 on: September 22, 2015, 12:15:07 PM »
Then why the expensive selections?

Laziness. 

grantmeaname

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Re: Overheard at Work
« Reply #10602 on: September 22, 2015, 12:22:42 PM »
Then why the expensive selections?
Planet money is on point as always.

FatCat

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Re: Overheard at Work
« Reply #10603 on: September 22, 2015, 12:32:38 PM »
I work in an office setting and we were visited by a 77-year-old doctor today. He sat and chatted with the 63-year-old woman who is fairly bitter about her lot in life but does nothing to change it. I overhear him tell her that since she works in a nice, quiet atmosphere, that she shouldn't be in any hurry to retire. He loved what he did and only retired three months ago so, of course, she should do the same. Because what are you going to do when you retire, sit on the couch and watch tv?

People who have already worked their whole lives and retired in their 70s are of course going to say that's what everyone should do. To say otherwise would be to admit to themselves they may have made a poor decision that affected most of their life. But then he enjoyed his job so maybe he would have worked as a doctor his whole life even if he already had millions in the bank to start with. To people who enjoy their jobs,  the idea that somebody else might not enjoy their job is usually considered a sign of that person's poor character.

MgoSam

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Re: Overheard at Work
« Reply #10604 on: September 22, 2015, 12:49:20 PM »
Also, every University Lecturer I had that had published a text book made it a required text for their class. We all knew it was so they would get royalties!
Actually I think they just wanted to use the best work available. The royalties are about how much? Half a day teaching? Or it is a very big class.


I'm in the UK, lecturers are not particularly well-paid. And a first year History 101 course? There are a lot of students! Of course, they'll tell you it's the best work available, and I'm not saying they were bad books... but when every lecturer has written THE text you need for their course, well, if it were very specialist areas, maybe. But for first year undergrad courses, I do think they are motivated by self-interest (and I don't blame them one bit!)

I would also expect that the book they wrote is the one they are most familiar with.  And therefore feel most comfortable structuring lessons around and opening up discussions.  I don't mean to imply laziness ... just efficiency.

Yeah, I have very little respect for college professors. I remember at college, I was part of a small committee (me and one other person) that looked at why our school had so little used books available and the long and short of it is that professors couldn't be bothered to call the bookstore and tell them which textbook they were using, and so by the time that they ordered them, there weren't many used books available. These are professors that largely recycle the same syllabus, and use the same textbook ...or if not the same one, then a newer edition of it. But instead of emailing their request on a timely basis, they would ignore multiple phone calls and emails from the bookstores.

Joggernot

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Re: Overheard at Work
« Reply #10605 on: September 22, 2015, 02:42:48 PM »
I'm much older and we had a prof who used his own DRAFT text book.  We had to pay for his "mimeographed" copies at full price ($40 when $20 bought a weeks groceries).  After being in the program another year, we all figured out that his text wasn't very good, but it made him money.

grantmeaname

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Re: Overheard at Work
« Reply #10606 on: September 22, 2015, 03:04:02 PM »
That's so contrary to my experience. I had several professors who wrote books so that they could give them to their students for free, and nobody that assigned their own book to profit off it.

FatCat

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Re: Overheard at Work
« Reply #10607 on: September 22, 2015, 03:55:11 PM »
That's so contrary to my experience. I had several professors who wrote books so that they could give them to their students for free, and nobody that assigned their own book to profit off it.

This was more similar to my experience. The books written by the professors were the cheapest. They had a printing room where you ask for them to print the book for the class you were taking and you just pay the printing fees. The teachers didn't make anything from it.

I also remember several professors telling the class not to buy any textbooks for their class but that the college had mandated that all professors must have required textbooks in the syllabus so that the bookstore can make more money.

Tjat

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Re: Overheard at Work
« Reply #10608 on: September 22, 2015, 05:31:14 PM »
I'm much older and we had a prof who used his own DRAFT text book.  We had to pay for his "mimeographed" copies at full price ($40 when $20 bought a weeks groceries).  After being in the program another year, we all figured out that his text wasn't very good, but it made him money.

I'm 30 and this was my experience undergrad. The professors would just steal other people's articles and photocopy them (poorly - like half the pages were lopsided) and have the bookstore hole punch and put in binders. Then sell for $60

Grad school was all Harvard Business School. The textbooks listed in the syllabus were either never needed or could be purchased used and then resold at 80%

Megma

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Re: Overheard at Work
« Reply #10609 on: September 22, 2015, 06:30:40 PM »
I work in an office setting and we were visited by a 77-year-old doctor today. He sat and chatted with the 63-year-old woman who is fairly bitter about her lot in life but does nothing to change it. I overhear him tell her that since she works in a nice, quiet atmosphere, that she shouldn't be in any hurry to retire. He loved what he did and only retired three months ago so, of course, she should do the same. Because what are you going to do when you retire, sit on the couch and watch tv?

That surprises me, you would think he could volunteer if he enjoyed being a doctor so much! There are lots of places in need of doctors from rich/resourced countries to provide treatment and training for locals. My boyfriends grandfather is a retired surgeon and now does trips to other courries to help train doctors there or run clinics (he loves it but is now in his lat 80s and can't dot as much). Quit working for the money and improve your world!

notquitefrugal

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Re: Overheard at Work
« Reply #10610 on: September 22, 2015, 07:26:09 PM »
College instructors get no "kickback" for selecting their course books, unless it's a book they personally wrote.

I had a business professor who was listed as author of the textbook. It was obviously authored by somebody else (with a different cover--there were several obvious signs, which I can't remember now), and the damn thing looked like it had been copied and bound at some cheap knockoff of Kinko's. I'm not sure how he got away with that--maybe he licensed the other author's work, but I'm surprised the department let him do it.

Edited to add: Sounds like I'm not the only one!
« Last Edit: September 22, 2015, 08:03:59 PM by notquitefrugal »

PMG

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Re: Overheard at Work
« Reply #10611 on: September 22, 2015, 08:52:50 PM »
Re: textbook conversation:  I've had profs at my community college and again at private U be very supportive of students sharing textbooks and taking the cheapest route.

I've learned to wait a good week into classes to verify that we really need the textbook, then I ask if I can use an older edition.  Usually that's a yes and it's no trouble. The one instance it wasn't ok the prof loaned me an extra copy they had.

I've done a couple kindle versions on my phone.  Considered getting a kindle just to reduce backpack weight, but it didn't make sense this semester. Kindle versions are usually images of the pages, not formatted for e reading. I've only viewed them on my phone and computer but for a large text book with multiple columns of text that is ridiculously uncomfortable and difficult to read. Not user friendly at all.

I did one time get a free preview of a kindle textbook for an online class. I completed the entire class in the 7 day preview. I was not going to spend that $70. Hah.

Overheard:  "Not having a bank is so much more difficult than I thought.  I can't buy anything online."

druth

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Re: Overheard at Work
« Reply #10612 on: September 23, 2015, 07:29:40 AM »
I have had two profs assign their own text book.  One was clearly a professionally published work, and was one of the legitimately most used books on the subject.  The proffessor held a raffle at the begining of the year and gave a few copies away. 

The other was at UW-Eau Claire which has textbook rental for everything, so he may have gotten 20 royalties off of it, but only the first year he taught it.  By the way I think this is a great solution to a lot of the textbook scam problems going on now.  Make them rentals, charge it to the department.  We did not have new editions every year, but so what?

I also know somebody who wrote a text book.  He uses it in his class and gets royalties.  He buys his class pizza at the end of the year and that pretty much wipes out any royalties he gets (not that much).

zolotiyeruki

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Re: Overheard at Work
« Reply #10613 on: September 23, 2015, 08:10:24 AM »
The best "textbook" I had in college?  A professor's hand-written lecture notes/outlines, which he also scanned and posted online for students to download and review.  It covered 100% of the material we needed to know, had zero stuff we didn't cover, cost the students nothing, and cost the professor very little (the only extra work he had to do was scan them in).

Rural

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Re: Overheard at Work
« Reply #10614 on: September 23, 2015, 06:42:08 PM »
That's so contrary to my experience. I had several professors who wrote books so that they could give them to their students for free, and nobody that assigned their own book to profit off it.


 This is what I'm doing currently. The open textbook movement is really getting huge. My book should be ready next semester, fingers crossed. It will be free to students unless they want to print it out.  I won't get any kickback since it's free, but I did get grant funding to pay at roughly my salary rate (or maybe a tenth of it) for all the extra work.


There are good and bad ways to do the textbooks thing. There are even good and bad ways to do the electronic resources thing.  I'm using an electronic resource now that costs $35 – but it's the only thing students have to buy for that class. It adapts to them and what they already know as they work through it, so it doesn't bother them about the stuff they already know. We're doing regular class as well as working in the software, but it allows for much more individualized instruction that I can do on my own with so many students.


 When I teach the big survey class, I use one of the free online textbooks, because there are some good ones available in my field. Not everyone likes an online book, though. – I always make sure to make it very clear that's what we're doing on the first day in case students want to switch class sections. A couple always do.  And, of course, the only way to do a free textbook is to do it electronically. Paper comes at a price.

mustachepungoeshere

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Re: Overheard at Work
« Reply #10615 on: September 23, 2015, 07:10:57 PM »
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.

We are car people. We are fortunate that my husband's job means his cup runneth over with performance cars to drive, regular track days, and all-expense paid trips to racing at almost every level. I'm not exaggerating when I say that has saved us hundreds of thousands of dollars in experiences and car depreciation (he fills his car quota at work so he doesn't need to constantly change our car at home to satisfy that part of his personality).

But it is one of our values, so we also save money in other areas in order to attend events ranging from Cars and Coffee ($20) to Le Mans ($4500).

There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

Malaysia41

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Re: Overheard at Work
« Reply #10616 on: September 23, 2015, 10:07:38 PM »
The best "textbook" I had in college?  A professor's hand-written lecture notes/outlines, which he also scanned and posted online for students to download and review.  It covered 100% of the material we needed to know, had zero stuff we didn't cover, cost the students nothing, and cost the professor very little (the only extra work he had to do was scan them in).

Ghandi Puvada.  The man was a wizard at teaching digital logic 101 and digital logic 102.  The university tried to oust him for failing to do research. IIRC, the undergrads rose up and collectively, "Oh, hell, no!" and he stayed.  Loved that guy. 

That whole course was contained in his very straight forward, easy-to-understand photocopied notes. 

(sorry for the foam - I usually abstain from frothing, but I had to give a shout out to da'man, the venerable, Mr. Puvada).
« Last Edit: September 23, 2015, 10:09:21 PM by Malaysia41 »

nick69

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Re: Overheard at Work
« Reply #10617 on: September 23, 2015, 10:22:48 PM »
I've got one.

I've got a co-worker, whose male, single ~45yrs old,  buys lunch everyday, goes out to the pub 3 to 4 times a week, regularly spends more on booze/smokes then I do on rent and regularly complains that he/we need a pay rise as he struggles to pay off his credit card and make ends meet since he got a mortgage.   I and others in our office have told him that or pay is actually good considering the market rate for our field and that most of us (not me) have mortgages and are coping well enough.  The difference is that he isn't getting good returns on his investment and isn't managing his money well.  He jokingly asked us how much better better off could he be and I offhand said about $1000 a month maybe more; he just looked at me like I was talking witchcraft...

So I explained:
1) He has a 3 bedroom house in a nice location and he only uses 1 room.  He can easily rent out the two spare bedrooms for an extra ~$800 p/m income.  He dismissed the idea as he didn't like the idea of living in a share house, he would rather just have 2 empty rooms and more privacy.   Alternatively I said if he doesn't want to share he could rent a small place much closer to work for ~$200 p/w and lease out his whole house for probably ~$500 p/w - Nope - it's his house and he's going to stay there.

2) Make lunch or bring in leftovers - Nope - he doesn't like cooking so he would rather spend $100 p/w buying lunch.

3) Spend less money at the pub by not drinking at the pub - Nope - I asked why doesn't he just invite his mates over for a drink as it's not like has has a Mrs to complain, he would be spending $50 for a carton of beer instead of $10 a pint and he wouldn't have to worry about how to get home from the pub after a few drinks.  Nope - the pub is worth the extra money as it a nicer place to drink in.

4) Cut back on smokes or buy them cheaper - Nope - he cant kick the habit and he has to have the premium ones that taste the nicest and he has to buy them from the local store as its the most convenient even if it's more expensive.

5) Pay off the Credit card ASAP or balance transfer it to another bank with lower interest - nope his current one has all the rewards points and it's somehow bundled with his other accounts so it would be too annoying to move...

I just shake my head and move on as at the end of the day its not my problem...

Jack

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Re: Overheard at Work
« Reply #10618 on: September 24, 2015, 08:31:37 AM »
The high-rise building I work in has a gym (complete with exercise bikes) that's free for tenants' employees to use, as well as a separate (very expensive) "spin class" business. It also has reasonably-secure covered bike parking.

So I'm in the elevator with a lady who works at some law firm on the floor below mine. She looks me over -- I'm wearing a neon yellow t-shirt, shorts, cycling gloves, cycling shoes and carrying a pannier, so about the only way to make it even more obvious that I'm a cyclist would have been to carry my helmet -- and she asks me if I do the spin class. I resisted the urge to laugh derisively and go off on a tirade about how stupid a concept "spin class" (and especially, paying for it) is, and instead merely said "no, I ride an actual bike."

rockstache

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Re: Overheard at Work
« Reply #10619 on: September 24, 2015, 09:15:18 AM »
One of my employees in our high cost of living area has student loans (her job does not require a degree), of some amount and lives at home. She orders a salad for lunch from the local pizza joint for lunch every single day. In the last 6 months she has been in 4 weddings complete with expensive bridesmaids dresses etc., and has traveled to 4 locations for bachelorette parties. Twice to Las Vegas (cross country), once to New Orleans, and once to Austin to stay in hotels (at least they share rooms), and drink at bars all night long. When asked about why she would spend all that money traveling just for the bachelorette parties, she replied that she has FOMO (fear of missing out). She currently makes under $36K per year here at work and also works at a bar 1 night a week. I cannot imagine.

Threshkin

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Re: Overheard at Work
« Reply #10620 on: September 24, 2015, 09:24:34 AM »
One of my employees in our high cost of living area has student loans (her job does not require a degree), of some amount and lives at home. She orders a salad for lunch from the local pizza joint for lunch every single day. In the last 6 months she has been in 4 weddings complete with expensive bridesmaids dresses etc., and has traveled to 4 locations for bachelorette parties. Twice to Las Vegas (cross country), once to New Orleans, and once to Austin to stay in hotels (at least they share rooms), and drink at bars all night long. When asked about why she would spend all that money traveling just for the bachelorette parties, she replied that she has FOMO (fear of missing out). She currently makes under $36K per year here at work and also works at a bar 1 night a week. I cannot imagine.

....and you are an evil employer for not paying her a living wage.  You should be fined and forced to pay her enough to support her lifestyle!

/sarc off

GuitarStv

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Re: Overheard at Work
« Reply #10621 on: September 24, 2015, 09:31:59 AM »
FOMO sounds like a terribly debilitating disease.  I pray for her recovery.

HairyUpperLip

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Re: Overheard at Work
« Reply #10622 on: September 24, 2015, 09:50:32 AM »
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.

We are car people. We are fortunate that my husband's job means his cup runneth over with performance cars to drive, regular track days, and all-expense paid trips to racing at almost every level. I'm not exaggerating when I say that has saved us hundreds of thousands of dollars in experiences and car depreciation (he fills his car quota at work so he doesn't need to constantly change our car at home to satisfy that part of his personality).

But it is one of our values, so we also save money in other areas in order to attend events ranging from Cars and Coffee ($20) to Le Mans ($4500).

There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

Totally agree. I've been on here for around 2 years now. Initially I would get excited when car threads would pop up because I believed since I'm actually a car enthusiast but also respect the environment and FI that maybe I could somehow help provide another viewpoint in the car choices. Seems like nobody gave a damn though and everyone jumps on "fuck cars" boat. It's all good, I don't and didn't lose any sleep over it. I love cars, no real logic behind it. Just grew up as a little baby and started playing with cars.

That is awesome that your husbands career allows you guys to enjoy automobiles on that level. I work in depressing ass IT and I often think about quitting and going to school for body repair and paint.

Tjat

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Re: Overheard at Work
« Reply #10623 on: September 24, 2015, 10:38:06 AM »
I've got one.

Probably the best example of a complainypants possible. To somehow assume the role of victim after consciously disregarding legitimate suggestions borders on mental illness. Dude probably has an iPhone, full cable package,, and eats out for dinner as well. Such easy low hanging fruit that so many people just ignore...

mm1970

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Re: Overheard at Work
« Reply #10624 on: September 24, 2015, 10:44:11 AM »
The high-rise building I work in has a gym (complete with exercise bikes) that's free for tenants' employees to use, as well as a separate (very expensive) "spin class" business. It also has reasonably-secure covered bike parking.

So I'm in the elevator with a lady who works at some law firm on the floor below mine. She looks me over -- I'm wearing a neon yellow t-shirt, shorts, cycling gloves, cycling shoes and carrying a pannier, so about the only way to make it even more obvious that I'm a cyclist would have been to carry my helmet -- and she asks me if I do the spin class. I resisted the urge to laugh derisively and go off on a tirade about how stupid a concept "spin class" (and especially, paying for it) is, and instead merely said "no, I ride an actual bike."
I like spin class.  But it's included in my gym membership.

zephyr911

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Re: Overheard at Work
« Reply #10625 on: September 24, 2015, 10:46:29 AM »
I've got one.
(*)
I just shake my head and move on as at the end of the day its not my problem...
Q: How many psychiatrists does it take to change a light bulb?
A: Just one... but the light bulb has to want to change.

This guy has forfeited all of his rights to bitching. He clearly doesn't love his house that much if he doesn't want his friends over for beers, but he has to keep it. Doesn't like cooking? Why does he pay for a kitchen. World-class idiot.

Vertical Mode

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Re: Overheard at Work
« Reply #10626 on: September 24, 2015, 11:44:46 AM »
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.

We are car people. We are fortunate that my husband's job means his cup runneth over with performance cars to drive, regular track days, and all-expense paid trips to racing at almost every level. I'm not exaggerating when I say that has saved us hundreds of thousands of dollars in experiences and car depreciation (he fills his car quota at work so he doesn't need to constantly change our car at home to satisfy that part of his personality).

But it is one of our values, so we also save money in other areas in order to attend events ranging from Cars and Coffee ($20) to Le Mans ($4500).

There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

Totally agree. I've been on here for around 2 years now. Initially I would get excited when car threads would pop up because I believed since I'm actually a car enthusiast but also respect the environment and FI that maybe I could somehow help provide another viewpoint in the car choices. Seems like nobody gave a damn though and everyone jumps on "fuck cars" boat. It's all good, I don't and didn't lose any sleep over it. I love cars, no real logic behind it. Just grew up as a little baby and started playing with cars.

That is awesome that your husbands career allows you guys to enjoy automobiles on that level. I work in depressing ass IT and I often think about quitting and going to school for body repair and paint.

Ah yes, the good old "'fuck cars' boat". I see what you did there ;-)

While it is true that cars and their associated costs can be a handicap on the way to FI/RE, cars and "car culture" are a great deal of fun (and I don't even own one!). The point of Mustachianism is to optimize resource allocation to get the most enjoyment out of your available resources/dollars. If one understands the costs and tradeoffs, and still chooses to spend time and money on cars because it is rewarding, that is their choice and they don't need to be face-punched for it. Some folks can't seem to wrap their heads around the fact that cars can be more than just a means of transportation, and really aren't that much different from any other hobby. I've seen the backlash, too, and FWIW I appreciate the different perspective.

markbike528CBX

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Re: Overheard at Work
« Reply #10627 on: September 24, 2015, 11:49:08 AM »
.....
I like spin class.  But it's included in my gym membership.

When I saw "spin class" I thought it was a how-to for Whirling Dervishes.
Too much PBS TV for me I guess (free OTA TV of course).

Didn't know that stationary bikes had a "class" and was a thing.

ShoulderThingThatGoesUp

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Re: Overheard at Work
« Reply #10628 on: September 24, 2015, 12:15:01 PM »
.....
I like spin class.  But it's included in my gym membership.

When I saw "spin class" I thought it was a how-to for Whirling Dervishes.
Too much PBS TV for me I guess (free OTA TV of course).

Didn't know that stationary bikes had a "class" and was a thing.

THAT's what spin class is? Stationary bikes? I assumed it was some sort of dance-based exercise program like Zumba.

MgoSam

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Re: Overheard at Work
« Reply #10629 on: September 24, 2015, 12:26:23 PM »
.....
I like spin class.  But it's included in my gym membership.

When I saw "spin class" I thought it was a how-to for Whirling Dervishes.
Too much PBS TV for me I guess (free OTA TV of course).

Didn't know that stationary bikes had a "class" and was a thing.

THAT's what spin class is? Stationary bikes? I assumed it was some sort of dance-based exercise program like Zumba.

As much fun as it is to mock spin classes, they are a really good workout. I know a few people that attend regular classes held at their gym (including in their membership) and many of these are people that normally wouldn't regularly exercise, but the instructors they said are good and motivating and working out with other people helps fuel them and many of them have lost a good chunk of weight.

Now there are really expensive gyms out there or classes that cost quite a lot of money. I wouldn't ever recommend them, but if you are already going to the gym and find that a structured class would benefit you, why not?

I mean, sure plenty of people can get buff by just buying dumbells and a bench and doing pushups, but that's not for everyone. Some people enjoy going to a gym to use their equipment, and others prefer to go to a strength and conditioning class. I know a few people that have taken a boot camp, which I think is overpriced, and got in really good shape. I am currently doing Insanity because I found myself in a workout rut and really wanted to get in shape.

cthoops

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Re: Overheard at Work
« Reply #10630 on: September 24, 2015, 12:33:48 PM »
There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

I agree 100%, but for us just replace "car" with "sailboat".

MoonShadow

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Re: Overheard at Work
« Reply #10631 on: September 24, 2015, 05:48:08 PM »
There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

I agree 100%, but for us just replace "car" with "sailboat".

Not if you live on the sailboat.

Kashmani

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Re: Overheard at Work
« Reply #10632 on: September 24, 2015, 06:06:19 PM »
.....
I like spin class.  But it's included in my gym membership.

When I saw "spin class" I thought it was a how-to for Whirling Dervishes.
Too much PBS TV for me I guess (free OTA TV of course).

Didn't know that stationary bikes had a "class" and was a thing.



THAT's what spin class is? Stationary bikes? I assumed it was some sort of dance-based exercise program like Zumba.

As much fun as it is to mock spin classes, they are a really good workout. I know a few people that attend regular classes held at their gym (including in their membership) and many of these are people that normally wouldn't regularly exercise, but the instructors they said are good and motivating and working out with other people helps fuel them and many of them have lost a good chunk of weight.

Now there are really expensive gyms out there or classes that cost quite a lot of money. I wouldn't ever recommend them, but if you are already going to the gym and find that a structured class would benefit you, why not?

I mean, sure plenty of people can get buff by just buying dumbells and a bench and doing pushups, but that's not for everyone. Some people enjoy going to a gym to use their equipment, and others prefer to go to a strength and conditioning class. I know a few people that have taken a boot camp, which I think is overpriced, and got in really good shape. I am currently doing Insanity because I found myself in a workout rut and really wanted to get in shape.

I used to bike-commute but I absolutely love spin class. It is the second-best stress release there is, and the best that does not involve my wife. I live to close to work to get a good workout biking and when it is minus 30 outside, all bets are off anyway. Plus, it significantly helps my motivation to have fit 20somethings yell at me at 6:15 in the morning. Don't knock spin class.

Rosy

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Re: Overheard at Work
« Reply #10633 on: September 24, 2015, 06:15:07 PM »
There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

I agree 100%, but for us just replace "car" with "sailboat".

Make my line item on the budget - jewelry and gemstones, at least they don't depreciate and you can often get them at 0% interest. Currently, I am in severe withdrawal mode, no new purchases unless I can pay cash.

Oh, and that "got one" post - I don't even want to know what his retirement stash looks like. Living in la la land of utter denial.

Playing with Fire UK

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Re: Overheard at Work
« Reply #10634 on: September 25, 2015, 03:12:37 AM »
CW1: I've decided I only need to win one million [pounds] on the lottery, then I can buy a house for 900,000 and live on the rest. That's my plan.
CW2: Yeah, that's my plan for a pension, how much would I need to win for that?
CW1: I dunno, can I borrow 2 for my ticket - it's a rollover this week and I don't get paid til Friday

CW2 is (I think) about 52, has just spent a fortune on cosmetic surgery (it does look good), has a new designer handbag every week, and jokes (I think) about just throwing away clothes after wearing them once because she can't be bothered to wash them.

Work has just changed the pension scheme and offered everyone free financial planning to understand the new system. They opted everyone in at 2% and both CWs opted out because they couldn't afford not to have a pay rise (they timed it so that the pension contributions were pretty much eaten up by the annual pay rise). I'm paying 4% and getting a 12% match, so they are throwing away a decent chunk of free money. But the plan is to win the lottery.

LennStar

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Re: Overheard at Work
« Reply #10635 on: September 25, 2015, 04:29:35 AM »
Work has just changed the pension scheme and offered everyone free financial planning to understand the new system. They opted everyone in at 2% and both CWs opted out because they couldn't afford not to have a pay rise (they timed it so that the pension contributions were pretty much eaten up by the annual pay rise). I'm paying 4% and getting a 12% match, so they are throwing away a decent chunk of free money. But the plan is to win the lottery.

Well, if they win they dont need the pension. btw: In Germany someone just won 33 million , 5th highest win ever in Germany.

Moonwaves

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Re: Overheard at Work
« Reply #10636 on: September 25, 2015, 05:03:40 AM »
Work has just changed the pension scheme and offered everyone free financial planning to understand the new system. They opted everyone in at 2% and both CWs opted out because they couldn't afford not to have a pay rise (they timed it so that the pension contributions were pretty much eaten up by the annual pay rise). I'm paying 4% and getting a 12% match, so they are throwing away a decent chunk of free money. But the plan is to win the lottery.

Well, if they win they dont need the pension. btw: In Germany someone just won 33 million , 5th highest win ever in Germany.
Yeah, it wasn't me. Haven't played for a very long time but it looks like my luck with the lottery is about the same as it ever was. Still, for a small amount of money (only ever do the minimum) it was a pleasant few hours worth of daydreaming.

tanzee

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Re: Overheard at Work
« Reply #10637 on: September 25, 2015, 05:58:47 AM »
The high-rise building I work in has a gym (complete with exercise bikes) that's free for tenants' employees to use, as well as a separate (very expensive) "spin class" business. It also has reasonably-secure covered bike parking.

So I'm in the elevator with a lady who works at some law firm on the floor below mine. She looks me over -- I'm wearing a neon yellow t-shirt, shorts, cycling gloves, cycling shoes and carrying a pannier, so about the only way to make it even more obvious that I'm a cyclist would have been to carry my helmet -- and she asks me if I do the spin class. I resisted the urge to laugh derisively and go off on a tirade about how stupid a concept "spin class" (and especially, paying for it) is, and instead merely said "no, I ride an actual bike."

I feel similarly about spin classes.  But I generally refrain from saying anything lest some delicate snowflake get offended. 

Pooplips

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Re: Overheard at Work
« Reply #10638 on: September 25, 2015, 07:56:19 AM »
Re: textbook conversation:  I've had profs at my community college and again at private U be very supportive of students sharing textbooks and taking the cheapest route.

I've learned to wait a good week into classes to verify that we really need the textbook, then I ask if I can use an older edition.  Usually that's a yes and it's no trouble. The one instance it wasn't ok the prof loaned me an extra copy they had.

I've done a couple kindle versions on my phone.  Considered getting a kindle just to reduce backpack weight, but it didn't make sense this semester. Kindle versions are usually images of the pages, not formatted for e reading. I've only viewed them on my phone and computer but for a large text book with multiple columns of text that is ridiculously uncomfortable and difficult to read. Not user friendly at all.

I did one time get a free preview of a kindle textbook for an online class. I completed the entire class in the 7 day preview. I was not going to spend that $70. Hah.

Overheard:  "Not having a bank is so much more difficult than I thought.  I can't buy anything online."

I hardly ever bought a book in college. After the first class i would set down with the professor and ask questions to decide if i needed the book or not.

Can we use it on the tests and quizes? If no, no way im buying it. If yes, I'm buying the old edition.
Do the homeowrk problems come from the book or do you make them up? If they come from the book I would find a library copy and make copies of all the problem pages. Or get them from a friend.

A few of my professors thought I was annoying but most thought it was great I was being so resourceful. When I graduated one of professors came up and talked to my dad to tell him I was the only student he has ever had who refused to buy the book if I could use it on the test. Most student just buy the book by default.

Overall, my grade probably could have been better but like my grandpa taught me, "What do you call a doctor that got all C's and D's? ... Doctor"

cthoops

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Re: Overheard at Work
« Reply #10639 on: September 25, 2015, 08:08:21 AM »
There are car people around for whom car culture is, in some way or another, a deliberate line item on a budget, but it's still easier to be quiet on the forums than risk the facepunches from those with different priorities.

I agree 100%, but for us just replace "car" with "sailboat".

Not if you live on the sailboat.

True. That's the plan - May 1, 2021. It can't come soon enough!

druth

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Re: Overheard at Work
« Reply #10640 on: September 25, 2015, 08:25:23 AM »
Overall, my grade probably could have been better but like my grandpa taught me, "What do you call a doctor that got all C's and D's? ... Doctor"

What do you call a doctor that got all C's and D's in undergrad?  Nothing because he never got accepted to grad school.

Rollin

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Re: Overheard at Work
« Reply #10641 on: September 25, 2015, 08:43:32 AM »
I've got one.

I've got a co-worker, whose male, single ~45yrs old,  buys lunch everyday, goes out to the pub 3 to 4 times a week, regularly spends more on booze/smokes then I do on rent and regularly complains that he/we need a pay rise as he struggles to pay off his credit card and make ends meet since he got a mortgage.   I and others in our office have told him that or pay is actually good considering the market rate for our field and that most of us (not me) have mortgages and are coping well enough.  The difference is that he isn't getting good returns on his investment and isn't managing his money well.  He jokingly asked us how much better better off could he be and I offhand said about $1000 a month maybe more; he just looked at me like I was talking witchcraft...

So I explained:
1) He has a 3 bedroom house in a nice location and he only uses 1 room.  He can easily rent out the two spare bedrooms for an extra ~$800 p/m income.  He dismissed the idea as he didn't like the idea of living in a share house, he would rather just have 2 empty rooms and more privacy.   Alternatively I said if he doesn't want to share he could rent a small place much closer to work for ~$200 p/w and lease out his whole house for probably ~$500 p/w - Nope - it's his house and he's going to stay there.

2) Make lunch or bring in leftovers - Nope - he doesn't like cooking so he would rather spend $100 p/w buying lunch.

3) Spend less money at the pub by not drinking at the pub - Nope - I asked why doesn't he just invite his mates over for a drink as it's not like has has a Mrs to complain, he would be spending $50 for a carton of beer instead of $10 a pint and he wouldn't have to worry about how to get home from the pub after a few drinks.  Nope - the pub is worth the extra money as it a nicer place to drink in.

4) Cut back on smokes or buy them cheaper - Nope - he cant kick the habit and he has to have the premium ones that taste the nicest and he has to buy them from the local store as its the most convenient even if it's more expensive.

5) Pay off the Credit card ASAP or balance transfer it to another bank with lower interest - nope his current one has all the rewards points and it's somehow bundled with his other accounts so it would be too annoying to move...

I just shake my head and move on as at the end of the day its not my problem...

Good effort nick69, but people are comfortable in the ruts they are in.  Scary for them to make changes.

Pooplips

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Re: Overheard at Work
« Reply #10642 on: September 25, 2015, 09:01:22 AM »
Overall, my grade probably could have been better but like my grandpa taught me, "What do you call a doctor that got all C's and D's? ... Doctor"

What do you call a doctor that got all C's and D's in undergrad?  Nothing because he never got accepted to grad school.

haha Good point.

mm1970

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Re: Overheard at Work
« Reply #10643 on: September 25, 2015, 10:44:14 AM »
.....
I like spin class.  But it's included in my gym membership.

When I saw "spin class" I thought it was a how-to for Whirling Dervishes.
Too much PBS TV for me I guess (free OTA TV of course).

Didn't know that stationary bikes had a "class" and was a thing.

THAT's what spin class is? Stationary bikes? I assumed it was some sort of dance-based exercise program like Zumba.
Yes, that's what it is.

I'm not sure how long they've been around, really.  I remember starting some time before I was pregnant with my first child, so 10 years ago.
Like Zumba, or boot camp, or any new "class" type thing - when they are fresh and new, they cost $$.  Gyms installed spin class rooms, but you had to pay extra - they were not included in your membership.  And of course anyone wanting to do the "new thing" would have to pay extra.

I of course always wait until they are "included" in the gym membership.  Even my YMCA now has "new" classes (I don't actually know what the latest thing is right now - maybe some water aerobics?) that you pay for.  But Zumba, and boot camp, and spin are included.

I actually like spin classes (and so does my husband).  Generally my 2x a week at the gym I swim laps, but occasionally sub a spin class (because I get to sleep in an extra 15 minutes).

Advantages:
1.  I work out at 5:30 am.  It's dark.  The spin room has lights.
2.  It's a pretty hard workout.
3.  Depending on the teacher, it's fun - people and music (I love group fitness, I feed off others).  Some teachers do more dance-y things, and some are more "cyclists".  I prefer the "cyclists" myself - these are generally men and women who cycle outdoors for fun and race and such.  So their classes are like that - you pretend to do a race, or a particular climb, or whatever.
4.  No chance of falling off.  I did spin during both pregnancies.  Only stopping with #2 at 8 months when I simply couldn't climb on the bike anymore.  Also, the bike was equipped with a heart rate monitor, which was important for me during pregnancy.

mlejw6

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Re: Overheard at Work
« Reply #10644 on: September 25, 2015, 01:32:15 PM »
Flipping this thread on its head because I discovered a coworker who actually has her shit together...

CW - So we are looking at a new property.
ME - Oh really - where are you looking?
CW - We found 20 acres in <Expensive area>
ME - Wow, wish I could afford something like that!
CW - Oh you don't understand, we are going to subdivide it and our family is going in on lots. Once we all build, it will work out to $XXX per site (half the going price) but each of us are chipping in an extra $$$ so we can pay for Mom's place.
ME - Hey that's pretty cool, but building is expensive - how will that go down.
CW - Not a big issue. I'm doing the grading plan, My cousin is doing the surveying, my uncle is digging foundations,  etc. etc. etc.

By the time it's all done most of her family will live in this new tract and they will all be caring for their parents, in houses built at a fraction of the going cost. What is interesting is that she was discussing the cost savings not only of the family building/engineering the site, but also the end of life care savings and quality for her parents/aunts/uncles who are nearing end of life. Pretty fricking amazing that the family would do this. I'm blown away.

This would never happen in my family.

That's one damn useful family

FatCat

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Re: Overheard at Work
« Reply #10645 on: September 25, 2015, 01:48:00 PM »
Flipping this thread on its head because I discovered a coworker who actually has her shit together...

CW - So we are looking at a new property.
ME - Oh really - where are you looking?
CW - We found 20 acres in <Expensive area>
ME - Wow, wish I could afford something like that!
CW - Oh you don't understand, we are going to subdivide it and our family is going in on lots. Once we all build, it will work out to $XXX per site (half the going price) but each of us are chipping in an extra $$$ so we can pay for Mom's place.
ME - Hey that's pretty cool, but building is expensive - how will that go down.
CW - Not a big issue. I'm doing the grading plan, My cousin is doing the surveying, my uncle is digging foundations,  etc. etc. etc.

By the time it's all done most of her family will live in this new tract and they will all be caring for their parents, in houses built at a fraction of the going cost. What is interesting is that she was discussing the cost savings not only of the family building/engineering the site, but also the end of life care savings and quality for her parents/aunts/uncles who are nearing end of life. Pretty fricking amazing that the family would do this. I'm blown away.

This would never happen in my family.

Good for her. It sounds like a great family if they get along that well to do that sort of thing. You can really end up well off if you have a family that works together likes this.

Civex

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Re: Overheard at Work
« Reply #10646 on: September 25, 2015, 06:02:16 PM »
Overall, my grade probably could have been better but like my grandpa taught me, "What do you call a doctor that got all C's and D's? ... Doctor"

My attorney family members always finished this joke with, "defendant."

Apples

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Re: Overheard at Work
« Reply #10647 on: September 26, 2015, 05:39:34 AM »
One of my employees in our high cost of living area has student loans (her job does not require a degree), of some amount and lives at home. She orders a salad for lunch from the local pizza joint for lunch every single day. In the last 6 months she has been in 4 weddings complete with expensive bridesmaids dresses etc., and has traveled to 4 locations for bachelorette parties. Twice to Las Vegas (cross country), once to New Orleans, and once to Austin to stay in hotels (at least they share rooms), and drink at bars all night long. When asked about why she would spend all that money traveling just for the bachelorette parties, she replied that she has FOMO (fear of missing out). She currently makes under $36K per year here at work and also works at a bar 1 night a week. I cannot imagine.

So I make more than this girl does, but when I'm asked to be part of a wedding, I go all in.  Thus far I've been in my own (haha) and a MOH in another.  So if I'm a bridesmaid I will be at the shower and the bachelorette barring some crazy unforseen circumstances.  Also, I"m guessing this girl didn't get to plan the events, so couldn't control costs from the start.  But I would have done the same thing, and chalked it up to an expensive year.  I would think this could never happen again...I mean how many times does one person end up in 4 weddings in one year?  Although she probably could have limited the eating out while traveling, number of drinks each night, and looked for deals on flights; based on you posting about her here, I'm guessing she didn't do any of that.  And the salad thing is dumb.  But a lot of these events are literally once in a lifetime (I hope everyone she knows stays married), so I would also have FOMO.  But maybe I'm just young and dumb.

mm1970

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Re: Overheard at Work
« Reply #10648 on: September 26, 2015, 07:22:46 AM »
One of my employees in our high cost of living area has student loans (her job does not require a degree), of some amount and lives at home. She orders a salad for lunch from the local pizza joint for lunch every single day. In the last 6 months she has been in 4 weddings complete with expensive bridesmaids dresses etc., and has traveled to 4 locations for bachelorette parties. Twice to Las Vegas (cross country), once to New Orleans, and once to Austin to stay in hotels (at least they share rooms), and drink at bars all night long. When asked about why she would spend all that money traveling just for the bachelorette parties, she replied that she has FOMO (fear of missing out). She currently makes under $36K per year here at work and also works at a bar 1 night a week. I cannot imagine.

So I make more than this girl does, but when I'm asked to be part of a wedding, I go all in.  Thus far I've been in my own (haha) and a MOH in another.  So if I'm a bridesmaid I will be at the shower and the bachelorette barring some crazy unforseen circumstances.  Also, I"m guessing this girl didn't get to plan the events, so couldn't control costs from the start.  But I would have done the same thing, and chalked it up to an expensive year.  I would think this could never happen again...I mean how many times does one person end up in 4 weddings in one year?  Although she probably could have limited the eating out while traveling, number of drinks each night, and looked for deals on flights; based on you posting about her here, I'm guessing she didn't do any of that.  And the salad thing is dumb.  But a lot of these events are literally once in a lifetime (I hope everyone she knows stays married), so I would also have FOMO.  But maybe I'm just young and dumb.

When I was young and getting married...we didn't do dumb stuff like have destination weddings AND destination bachelorettes.  Which is totally the thing now.

Of course, I got married where I lived, which required family to travel.
My 3 unmarried bridesmaids/ groomsman got married where I had to travel (because by then I'd moved cross country, and they got married in NY, NM, and CA).
But they didn't have destination bachelorette parties.

Now get off my lawn. Ha!

Davids

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Re: Overheard at Work
« Reply #10649 on: September 26, 2015, 10:49:10 AM »
Flipping this thread on its head because I discovered a coworker who actually has her shit together...

CW - So we are looking at a new property.
ME - Oh really - where are you looking?
CW - We found 20 acres in <Expensive area>
ME - Wow, wish I could afford something like that!
CW - Oh you don't understand, we are going to subdivide it and our family is going in on lots. Once we all build, it will work out to $XXX per site (half the going price) but each of us are chipping in an extra $$$ so we can pay for Mom's place.
ME - Hey that's pretty cool, but building is expensive - how will that go down.
CW - Not a big issue. I'm doing the grading plan, My cousin is doing the surveying, my uncle is digging foundations,  etc. etc. etc.

By the time it's all done most of her family will live in this new tract and they will all be caring for their parents, in houses built at a fraction of the going cost. What is interesting is that she was discussing the cost savings not only of the family building/engineering the site, but also the end of life care savings and quality for her parents/aunts/uncles who are nearing end of life. Pretty fricking amazing that the family would do this. I'm blown away.

This would never happen in my family.
Hey now, that type of talk is not allowed here. We have a thread for that language..
http://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work-the-anti-antimustachian-edition/