Author Topic: Overheard at Work  (Read 4939452 times)

Making Cookies

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Re: Overheard at Work
« Reply #11150 on: October 29, 2015, 08:07:15 AM »

I live in the part of the country where the idea of being forced to hole up in a country house with a few people you love, armed to the teeth and defending your stockpile of canned goods and ammunition against a populace gone mad, is not merely acceptable but actually gives people giant, throbbing erections.
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Yeah we have those characters here too. Not many of them but they are very real. A coworker subscribed to all the reigious and political conspiracy theories about the gov't buying up all the ammo, Barack Obama coming for his guns, signs of the end of times, etc. He bought a thousand+ dollars worth of ammo and gun(s) at the height of prices.

Now a few years later I wonder if the coworker ignores the reality that he and his were badly wrong or if he just puts it out of his mind? I think a second CW shamed him into silence. CW2 is good friends with CW1 and has same cultural and political background as CW1 but CW2 let be known during idle chat at work one day that he thought all those conspiracy theories was a bunch of **** without knowing CW1 believed in them. CW1 never said another thing about them to me.

We've lost friends to these rampant conservative conspiracy theories. Just had to give up on these friends and move on. These are educated people....

On another note: found out why CW1 won't bring food from home for lunch. He rejects any and all leftovers. His wife stopped by work and said my leftovers smelled GOOD and lamented that CW1 wouldn't eat leftovers. Daily fastfood however is appealing to him. Am not a food snob but fastfood is just terrible more than once in a blue moon. We have a dozen or more FF establishments in this town and they all serve versions of the same things.

jinga nation

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Re: Overheard at Work
« Reply #11151 on: October 29, 2015, 08:12:34 AM »
I live in the part of the country where the idea of being forced to hole up in a country house with a few people you love, armed to the teeth and defending your stockpile of canned goods and ammunition against a populace gone mad, is not merely acceptable but actually gives people giant, throbbing erections.

So yes, losing the government check would be pretty much the only downside.

It's the same where I work too, a West Central Florida AF Base. I had one co-worker who would constantly buy guns and knives and he was happy that his stay-at-home wife would complain that the bank balance is zero. I told him you have only 2 hands to fight with, so why do you need so many weapons? He asked me to stop using logic, he gets enough of "that shit" at home.
Guys go crazy when ammo is on sale, because Obama is going to ban it. Never mind that the 2nd Amendment is to the guys' advantage.
Able-bodied men getting physical disability checks, folks trying to game the system. "Don't hate the player, hate the game" is the common refrain. If you heard the conversations, you'd lose it.
No wonder we're fucked as a nation. Hey Trump, the financial rapists are already part of the system.
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mm1970

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Re: Overheard at Work
« Reply #11152 on: October 29, 2015, 08:55:55 AM »

Let's try to guess his major. Winner gets bragging rights. My guess: MBA student.

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..

Operations Research?  (my master's is in engineering management, so I had to take probability)

Or Biology?

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Re: Overheard at Work
« Reply #11153 on: October 29, 2015, 12:06:53 PM »
"I'm $65k USD underwater on the house (3 mortgages).  Can't believe I was shopping for $1,000 suits and now I'm filing bankruptcy."
He was let go from a low six figure job, obviously no savings of any kind...

Pooplips

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Re: Overheard at Work
« Reply #11154 on: October 29, 2015, 01:06:24 PM »

Let's try to guess his major. Winner gets bragging rights. My guess: MBA student.

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..

Operations Research?  (my master's is in engineering management, so I had to take probability)

Or Biology?

Womens Studies.

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Re: Overheard at Work
« Reply #11155 on: October 29, 2015, 01:36:03 PM »

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..
Dammit!

Umm... history?
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Pooperman

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Re: Overheard at Work
« Reply #11156 on: October 29, 2015, 02:20:39 PM »
So we had a benefits discussion at work in preparation for open enrollment and transition to our new overlords' medical plan. We have a HDHP that turns out to be a sweet deal ($1800 for the year for me and DW, they put in $3k towards the HSA, payroll deductible HSA contributions, etc). So one of the guys joked that his wife was gonna go to Khols and buy stuff with the HSA. The representative didn't mention how you can withdraw at 65 like an IRA, typical stuff. Anyways, just people not understanding how it works and freaking out. The representative did a decent job considering.

$6000 oop maximum for in network stuff ( everything else covered). 50% of out of network stuff covered after maximum and all preventative things are covered 100%. Not bad I think.

intirb

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Re: Overheard at Work
« Reply #11157 on: October 29, 2015, 02:27:48 PM »


Let's try to guess his major. Winner gets bragging rights. My guess: MBA student.

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..


Or Biology?

We have a winner, folks.

jorjor

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Re: Overheard at Work
« Reply #11158 on: October 29, 2015, 02:36:51 PM »
So we had a benefits discussion at work in preparation for open enrollment and transition to our new overlords' medical plan. We have a HDHP that turns out to be a sweet deal ($1800 for the year for me and DW, they put in $3k towards the HSA, payroll deductible HSA contributions, etc). So one of the guys joked that his wife was gonna go to Khols and buy stuff with the HSA. The representative didn't mention how you can withdraw at 65 like an IRA, typical stuff. Anyways, just people not understanding how it works and freaking out. The representative did a decent job considering.

$6000 oop maximum for in network stuff ( everything else covered). 50% of out of network stuff covered after maximum and all preventative things are covered 100%. Not bad I think.

One positive to my job: Working as a health insurance actuary with a bunch of other health insurance actuaries as co-workers means that everyone knows this stuff really well. If they don't know it really well, there are literally 25 people you can ask along the hallway that will know it better than most HR benefits reps.

crispy

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Re: Overheard at Work
« Reply #11159 on: October 29, 2015, 05:06:28 PM »
Coworker told me today that his commute was two hours each way.
« Last Edit: December 28, 2015, 11:43:09 AM by crispy »

RetiredAt63

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Re: Overheard at Work
« Reply #11160 on: October 29, 2015, 05:08:19 PM »
Seriously?  Biology?  What kind of Biology?  I'm a biologist.  And certain areas of Biology really need math - stats, life tables, population modeling, all sorts of things.  Of course the really strong math biologists often do a math major and biology minor.

 


Let's try to guess his major. Winner gets bragging rights. My guess: MBA student.

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..


Or Biology?

We have a winner, folks.

Goldielocks

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Re: Overheard at Work
« Reply #11161 on: October 29, 2015, 05:08:57 PM »

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..
Dammit!

Umm... history?

It's so obvious.

Political science.
Who else crusades for the little guy while taking Uber 5 blocks, doesn't calculate the obvious, and takes a lot of grad studies?


Asdfg

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Re: Overheard at Work
« Reply #11162 on: October 30, 2015, 02:40:55 AM »
Coworker told me today that his commute is two hours each way.  Coworker makes less than 30K a year and drives an SUV.  I just didn't even know what to say.

I just learned exactly the same yesterday. Just replace the SUV with a BMW worth 50k. Meaning she has taken debt for the car, too. She is a reasonable person but her husband works in the car business, so I guess it has been his idea that she will need this kind of car. I'm not sure if I should try to talk some sense to her because I'm pretty sure she would understand and possibly even change the car, but then again, it's none of my business...

Seppia

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Re: Overheard at Work
« Reply #11163 on: October 30, 2015, 03:56:48 AM »
Trying to do good to people has never been a bad idea in my opinion.

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Re: Overheard at Work
« Reply #11164 on: October 30, 2015, 04:03:29 AM »
Someone I work with just did 2 years worth of tax returns at once for themselves and their significant other and is bragging about the huge return.

It is a lot of money and I know they need it for their family so am genuinely happy they have found it.

But...

The main reason their tax returns are so large is that they both had opted out of claiming the "tax free threshold" on their primary jobs. It works out at around $580/month combined that they opted to have paid as a lump sum at the end of 2 years (due to not filing in the previous year) rather than getting it in their pay each month. I know they had been redrawing from their home loan during the year because they were short on cash which makes it all the more ludicrous to me.

I questioned it and was told that they had decided to do it this way so they would have 'forced savings'. The advantage of being able to pay that money towards their mortgage or put it into other investments starting from two years ago doesn't seem to be a consideration at all.

nanu

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Re: Overheard at Work
« Reply #11165 on: October 30, 2015, 04:41:34 AM »
I questioned it and was told that they had decided to do it this way so they would have 'forced savings'
What I want to know is what are they going to do with these "forced savings". Call me a cynic, but something tells me they aren't going to put all of that money into their mortgage/IRA/stocks...

And to be fair, "forced savings" isn't a bad thing as it forces you to live on less than you make (assuming you don't carry CC debt or pull money from your HELOC).
However, doing it by setting up regularly scheduled transfers out of your account on the same day you get paid to a savings/investment account is much better than giving your dear old Uncle Sam an interest free loan.
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Re: Overheard at Work
« Reply #11166 on: October 30, 2015, 04:56:57 AM »
I questioned it and was told that they had decided to do it this way so they would have 'forced savings'
What I want to know is what are they going to do with these "forced savings". Call me a cynic, but something tells me they aren't going to put all of that money into their mortgage/IRA/stocks...
I asked and the answer was back into the loan but though out the day there were lots of "I can afford x now", x typically being a luxury good or upgrade of something that doesn't need replacing.

I am happy for them as I said as they were going through a rough financial patch and this money would mean a lot to them. I do wonder if they would have had the rough patch if the extra money had been coming in the whole time.

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Re: Overheard at Work
« Reply #11167 on: October 30, 2015, 09:45:52 AM »
Someone I work with just did 2 years worth of tax returns at once for themselves and their significant other and is bragging about the huge return.

The main reason their tax returns are so large...

If I may be a pedant for just a minute: please avoid conflating "tax return" (the document you file) and "tax refund" (the repayment of any surplus withholding). Thanks. :)
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mm1970

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Re: Overheard at Work
« Reply #11168 on: October 30, 2015, 12:08:45 PM »


Let's try to guess his major. Winner gets bragging rights. My guess: MBA student.

Haha, you guys crack me up.  No one's got the major yet.

To add some fuel to the fire though, we were going to a graduate-level class in probability.  So yeah, this guy has taken math classes before..


Or Biology?

We have a winner, folks.
Yay, I win!  I admit I googled "what majors include classes in probability", and biology seemed to be a good fit on the list.

notquitefrugal

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Re: Overheard at Work
« Reply #11169 on: October 31, 2015, 05:44:13 PM »
I helped a new coworker enroll in the 401k. He freaked out when he saw the list of about 20 funds and had to take a mental health break. "I was a humanities major so I would never have to deal with this crap." Sensing the severity of the situation, I steered him towards a target date fund even though the expense ratio is a lot higher than the index funds offered in our plan. (A discussion about expense ratios would have likely triggered another freakout.) Finally got him signed up, contributing more than the minimum to get the full match, and he breathes a sigh of relief and says something about how socialism is greatly underappreciated.

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Re: Overheard at Work
« Reply #11170 on: November 01, 2015, 04:11:29 AM »
I helped a new coworker enroll in the 401k. He freaked out when he saw the list of about 20 funds and had to take a mental health break. "I was a humanities major so I would never have to deal with this crap." Sensing the severity of the situation, I steered him towards a target date fund even though the expense ratio is a lot higher than the index funds offered in our plan. (A discussion about expense ratios would have likely triggered another freakout.) Finally got him signed up, contributing more than the minimum to get the full match, and he breathes a sigh of relief and says something about how socialism is greatly underappreciated.

That is good that you helped him, I think a lot of people are intimidated by financial information so they just bury their heads in the sand.

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Re: Overheard at Work
« Reply #11171 on: November 01, 2015, 04:14:42 AM »

You know, if money really were no object I could easily spend over £1 million on housing. I'd buy a medium sized house with a bit of land (large garden and a bit of woodland) in the country somewhere like Suffolk with a decent train service into Victoria/Waterloo and then a teeny pied-a-terre right in the middle of London. Seriously, that's my £2 million gone right there.

So I reckon £3 million would totally set me up - £2 million to buy my house and flat, and then £1 million to cover all the expenses I could ever want.

I was saying that the other day. I would like a place by the sea as well as a small flat in central London if we wanted to have a night out and not travel home.:P

If only the starting price of a flat at 1 Hyde Park was a trillion pounds, that would be my choice, overlooking the park. And a little villa in Italy. I am so anti-mustachian :-)

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Re: Overheard at Work
« Reply #11172 on: November 01, 2015, 05:08:46 AM »

You know, if money really were no object I could easily spend over £1 million on housing. I'd buy a medium sized house with a bit of land (large garden and a bit of woodland) in the country somewhere like Suffolk with a decent train service into Victoria/Waterloo and then a teeny pied-a-terre right in the middle of London. Seriously, that's my £2 million gone right there.

So I reckon £3 million would totally set me up - £2 million to buy my house and flat, and then £1 million to cover all the expenses I could ever want.

I was saying that the other day. I would like a place by the sea as well as a small flat in central London if we wanted to have a night out and not travel home.:P

If only the starting price of a flat at 1 Hyde Park was a trillion pounds, that would be my choice, overlooking the park. And a little villa in Italy. I am so anti-mustachian :-)

I've never been to Italy but that sounds gorgeous.:)

Seppia

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Re: Overheard at Work
« Reply #11173 on: November 01, 2015, 06:09:39 AM »
I'm from Italy and trust me, instead of one Villa you would want to own three apartments: one in Rome, one in the alps, and one on the beach (I would probably pick Sicily or Sardinia).
Italy is so freaking diverse you would love a piece of everything.

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Re: Overheard at Work
« Reply #11174 on: November 01, 2015, 11:17:51 AM »
A colleague of my gf refused a full time teacher's job in University which would be a lot less stressful and a lot more free time throughout the year.

She said 100k/year wasn't enough.  She has no children but she drives a luxury car and has a nice condo and nice cottage around an expensive lake area.  Nice clothes to go with that.

And it's not like she was making 500k, the set back wouldn't be all that big.

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Re: Overheard at Work
« Reply #11175 on: November 01, 2015, 01:50:48 PM »
A colleague of my gf refused a full time teacher's job in University which would be a lot less stressful and a lot more free time throughout the year.

She said 100k/year wasn't enough.  She has no children but she drives a luxury car and has a nice condo and nice cottage around an expensive lake area.  Nice clothes to go with that.

And it's not like she was making 500k, the set back wouldn't be all that big.

I don't know that academia is "less" stressful than other work disciplines. There's more catty infighting there than in your average for-profit corporation. Everyone's trying to get tenure, competition can be cutthroat, and there's no long-term guarantee of employment. The free time isn't necessarily free, just unpaid time people are expected to use to do their own research. Overall, just existing in an adjunct job is stressful.

The only university professors I've ever met who are happy with their jobs either love to teach, or they got tenure back before the big trend to hire adjunct teachers hit, or they're about to retire, or they come from family money or else have regular jobs in the industry such that they only teach part-time.

If someone offered me a raise to teach at the local university, I'd turn it down simply because I can't stand office politics.
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TomTX

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Re: Overheard at Work
« Reply #11176 on: November 01, 2015, 08:27:34 PM »
Since we're talking about jeans, where all do the men on here buy theirs? I hate shopping and will just rely on gifts for the most part for my jeans, but I will need to get a new pair soon and am dreading going to the mall. How much do you normally spend on a good pair of jeans? I tend to wear one or two pairs and alternate between them as I sit in an office and don't really do much physical exertion while at work.

Costco. Kirkland brand. $13. Mostly desk job, so I wear them for a week and wash. Or immediately after a day in the field where I'll be sweating a lot and it is often dusty/dirty. After wash, they get tumbled in teh dryer 1-2 minutes to get the wrinkles out and then hung to dry.

They last a long time.
« Last Edit: November 01, 2015, 08:29:13 PM by TomTX »

BarbeRiche

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Re: Overheard at Work
« Reply #11177 on: November 01, 2015, 09:40:53 PM »
A colleague of my gf refused a full time teacher's job in University which would be a lot less stressful and a lot more free time throughout the year.

She said 100k/year wasn't enough.  She has no children but she drives a luxury car and has a nice condo and nice cottage around an expensive lake area.  Nice clothes to go with that.

And it's not like she was making 500k, the set back wouldn't be all that big.

I don't know that academia is "less" stressful than other work disciplines. There's more catty infighting there than in your average for-profit corporation. Everyone's trying to get tenure, competition can be cutthroat, and there's no long-term guarantee of employment. The free time isn't necessarily free, just unpaid time people are expected to use to do their own research. Overall, just existing in an adjunct job is stressful.

The only university professors I've ever met who are happy with their jobs either love to teach, or they got tenure back before the big trend to hire adjunct teachers hit, or they're about to retire, or they come from family money or else have regular jobs in the industry such that they only teach part-time.

If someone offered me a raise to teach at the local university, I'd turn it down simply because I can't stand office politics.

Not wanting to do it for the reasons you stated is completely understandable,  I would never question that.  It's just the fact that she said herself that it would be less stressful (I assume her job is + i know she puts in 50-60h+/week) and that she couldn't do it for only 100k/year.  Being healthy, without children, that's the part that makes it hard for me to understand.

For guaranteed employment I guess it depends from country and position but this was a full-time unionist position with full pension and 100k salary.

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Re: Overheard at Work
« Reply #11178 on: November 02, 2015, 04:03:50 AM »
I'm from Italy and trust me, instead of one Villa you would want to own three apartments: one in Rome, one in the alps, and one on the beach (I would probably pick Sicily or Sardinia).
Italy is so freaking diverse you would love a piece of everything.

I imagine the food is delicious too.:)  Someone told me that Lake Garda is stunningly beautiful.

Sorry, off topic.:P

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Re: Overheard at Work
« Reply #11179 on: November 02, 2015, 04:38:22 AM »
Well I am from lake Como so I cannot recommend Garda lol
Pic taken this summer.

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Re: Overheard at Work
« Reply #11180 on: November 02, 2015, 04:48:16 AM »
Wow, it looks gorgeous Seppia.:)

On topic - my husband works with men who constantly use the gambling apps at work, one of the young men he works with was up by £9,000 the other day and then lost it all. The younger staff are not on great salaries either so that would be about four months of wages.

Seppia

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Re: Overheard at Work
« Reply #11181 on: November 02, 2015, 05:27:10 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

Pooplips

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Re: Overheard at Work
« Reply #11182 on: November 02, 2015, 06:00:12 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

2% of his salary on a helmet? Crazy.

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Re: Overheard at Work
« Reply #11183 on: November 02, 2015, 06:01:43 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

2% of his salary on a helmet? Crazy.

Never pay more for your helmet than your head is worth.

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Re: Overheard at Work
« Reply #11184 on: November 02, 2015, 07:47:28 AM »
I helped a new coworker enroll in the 401k. He freaked out when he saw the list of about 20 funds and had to take a mental health break. "I was a humanities major so I would never have to deal with this crap." Sensing the severity of the situation, I steered him towards a target date fund even though the expense ratio is a lot higher than the index funds offered in our plan. (A discussion about expense ratios would have likely triggered another freakout.) Finally got him signed up, contributing more than the minimum to get the full match, and he breathes a sigh of relief and says something about how socialism is greatly underappreciated.
Speaking from experience in my first full-time job in 2004, I was overwhelmed by the plethora of fund options from Principal. I asked my HR person if there was a guide to selecting funds. She said that if you don't know what to pick, then simply select between the Aggressive to Conservative portfolios. Or pick a little bit of each of the 15-20 funds. Some just divide contribution by the number of funds for their allocation (many engineers did that). It was only 18 months later when I moved to a bigger company that my boss started teaching me and I started reading finance forums. This year I made my parents move their 401k accounts from Ameriprise to Vanguard, and they went from 20 funds to a TSM/TBM portfolio. After I explained to my wife about ER, AA, and other fund terms, at her next annual 401k peddler meeting, she asked the dangerous questions. I think she embarrassed the John Hancock reps.
« Last Edit: November 02, 2015, 08:15:57 AM by jinga nation »
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Re: Overheard at Work
« Reply #11185 on: November 02, 2015, 07:50:37 AM »
So we had a benefits discussion at work in preparation for open enrollment and transition to our new overlords' medical plan. We have a HDHP that turns out to be a sweet deal ($1800 for the year for me and DW, they put in $3k towards the HSA, payroll deductible HSA contributions, etc). So one of the guys joked that his wife was gonna go to Khols and buy stuff with the HSA. The representative didn't mention how you can withdraw at 65 like an IRA, typical stuff. Anyways, just people not understanding how it works and freaking out. The representative did a decent job considering.

$6000 oop maximum for in network stuff ( everything else covered). 50% of out of network stuff covered after maximum and all preventative things are covered 100%. Not bad I think.

Its just scary how many "intelligent" and "educated" people are out there but can't understand how to manage their finances or see through the political shenanigans endlessly discussed on talk radio or 24 hour news.

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Re: Overheard at Work
« Reply #11186 on: November 02, 2015, 08:20:26 AM »
So we had a benefits discussion at work in preparation for open enrollment and transition to our new overlords' medical plan. We have a HDHP that turns out to be a sweet deal ($1800 for the year for me and DW, they put in $3k towards the HSA, payroll deductible HSA contributions, etc). So one of the guys joked that his wife was gonna go to Khols and buy stuff with the HSA. The representative didn't mention how you can withdraw at 65 like an IRA, typical stuff. Anyways, just people not understanding how it works and freaking out. The representative did a decent job considering.

$6000 oop maximum for in network stuff ( everything else covered). 50% of out of network stuff covered after maximum and all preventative things are covered 100%. Not bad I think.

Its just scary how many "intelligent" and "educated" people are out there but can't understand how to manage their finances or see through the political shenanigans endlessly discussed on talk radio or 24 hour news.
If you can turn off your TV, talk radio (finance BS gets peddled on sports and general talk radio), the mainstream media finance sites, you can actually read intelligent sites like Bogleheads, MMM Forums, and FatWallet Finance.
Many people are intelligent, educated, AND lazy. It is that third factor that rakes in the fees for their financial advisors.
My co-workers love to spend a few hours every week on fantasy football. Come basketball season, obsess over brackets.  But can't stand the thought of a couple of hours every quarter on rebalancing portfolios and managing YOUR OWN money. Classic outsourcing scenario, because learning about ER is too much complicated numbers, as compared to sports statistics.
They all have THAT GUY who does wonders for them, including free wine and dine at restaurants. Instead of taking the company match and Vanguard funds, they'll give it to Ameriprise/UBS/DoubleItUp, with the front/back loads and high ERs.
« Last Edit: November 02, 2015, 09:51:56 AM by jinga nation »
If I genuinely enjoy my profession and workplace, is there a reason to FIRE? Keep Calm and Carry On Milking.

Making Cookies

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Re: Overheard at Work
« Reply #11187 on: November 02, 2015, 09:26:13 AM »
Costco. Kirkland brand. $13. Mostly desk job, so I wear them for a week and wash. Or immediately after a day in the field where I'll be sweating a lot and it is often dusty/dirty. After wash, they get tumbled in teh dryer 1-2 minutes to get the wrinkles out and then hung to dry.

They last a long time.

Wrangler Riggs ripstop or denim. $40 a pair but they wear forever for me. Am looking to get the price down the next time I buy a round of clothing (I spend $200 on pants and I'm good for 12-18 months, 6 to 8 months later I might buy a round of shirts). Just bought six pair.

I an an engineer that in a day's time could be welding, machining, moving equipment, repairing tech (computers/machine shop equipment), training or attending meetings. I need to look decent though nobody gives me grief if I show up in shorts and a T-shirt b/c I'm working some dirty task that day and it's hot outside. I do have

Older clothes for those days where I expect to get dirty, newer clothes for the days when I'm more certain to stay clean.

Making Cookies

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Re: Overheard at Work
« Reply #11188 on: November 02, 2015, 09:50:18 AM »
I'm from Italy and trust me, instead of one Villa you would want to own three apartments: one in Rome, one in the alps, and one on the beach (I would probably pick Sicily or Sardinia).
Italy is so freaking diverse you would love a piece of everything.

I imagine the food is delicious too.:)  Someone told me that Lake Garda is stunningly beautiful.

Sorry, off topic.:P

I loved driving around Lago di Garda.

Italy was the best part of my military service. Lived in Italy for three years. Lived out on the economy and had a $1500 car. Drove that thing from one end of the country to the other many times just wandering around.

I want to take my family back for a multi-week visit and visit with old friends someday. Want to rent a car of course so we can go the places that trains and buses don't usually go.

I looked the other day and the cost would be about $12K for the four of us to go.

That was paying full retail - staying in hotels, renting a fairly nice car, etc. Will price it again someday where we rent a tiny apartment and eat from grocery stores, and so forth to see how much I could shrink the cost. I want our kids to see a bit of the world in their time. I come from people too scared to leave the country.

I think seeing the world instead of seeing the TV version is a worthwhile thing. The view from the couch is very different than reality. There are scary things happening in the world but the TV version seems like condensed chaos all the time. Sort of like the evening murder report aka the local news in a big city.

"Last night 5 people were murdered..." (in five different rough parts of the city, murdered by rough people they probably knew all because the victim and the murderer all kept bad company... And so - the city is safer than the evening news implies...)
« Last Edit: November 02, 2015, 10:00:12 AM by Joe Average »

Making Cookies

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Re: Overheard at Work
« Reply #11189 on: November 02, 2015, 09:58:48 AM »
If you can turn off your TV, talk radio (finance BS gets peddled on sports and general talk radio), the mainstream media finance sites, you can actually read intelligent sites like Bogleheads, MMM Forums, and FatWallet Finance and high ERs.

THANKS! New website for me (FWF). Yeah you are correct. My coworkers worry about college football and NASCAR. Whatever makes them happy I suppose. ;)

BarbeRiche

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Re: Overheard at Work
« Reply #11190 on: November 02, 2015, 11:37:05 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

Haha!  I'm sure he didn't lie, he doesn't have the extra money.

That's why he paid for the bike and helmet with a financing.

seathink

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Re: Overheard at Work
« Reply #11191 on: November 02, 2015, 04:49:48 PM »

I think seeing the world instead of seeing the TV version is a worthwhile thing. The view from the couch is very different than reality. There are scary things happening in the world but the TV version seems like condensed chaos all the time. Sort of like the evening murder report aka the local news in a big city.

"Last night 5 people were murdered..." (in five different rough parts of the city, murdered by rough people they probably knew all because the victim and the murderer all kept bad company... And so - the city is safer than the evening news implies...)

+1

My favorite is when the news imports murders/crime from other cities. Even in LA we don't have a murder every night. I've been at friends's houses and the 11 o'clock will open with a brutal double murder... in Kansas City. Couldn't we celebrate LA being murder-free instead? Sigh.
“Keep what is of no use at the moment, and later you will find what you need, one of her grandmothers had told her, the water in which you soak them will also serve to cook them, and whatever remains from the cooking will cease to be water, but will have become broth. It is not only in nature that from time to time not everything is lost and something is gained.” ― José Saramago, Blindness

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LeRainDrop

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Re: Overheard at Work
« Reply #11192 on: November 02, 2015, 06:48:55 PM »
Well I am from lake Como so I cannot recommend Garda lol
Pic taken this summer.

OMG, now I am aching to go back to Italy!  What a beautiful picture, Seppia.

Eric222

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Re: Overheard at Work
« Reply #11193 on: November 03, 2015, 05:51:10 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

2% of his salary on a helmet? Crazy.

Helmets are important!!!  And you should buy a new one whenever you are in an accident.  Um....I don't know about motorcycle helmets, but the price of a bicycle helmet does not always == the quality of the helmet.   So 2% of salary on a helmet, can you go give him a face punch?

I wish I had a 401k match :(.  Can I have his?
“Except when awesome is just awesome, because sometimes it is.” - Scrubby

Journal = My life is an exploding volcano of awesomeness

Long term goals:  Stay fit, NW0 by 40, and FI by 50.  Required SR:  65%.  SR goal for monthly income: 50% (Extra paychecks and other compensation makes up the other 15%).

horsepoor

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Re: Overheard at Work
« Reply #11194 on: November 03, 2015, 07:20:50 AM »
One of the three people not contributing in the 401k (and missing on a 3% match) because he "cannot afford it" just bought a motorcycle and the helmet alone has a sticker price of about 2% his annual salary.

2% of his salary on a helmet? Crazy.

Helmets are important!!!  And you should buy a new one whenever you are in an accident.  Um....I don't know about motorcycle helmets, but the price of a bicycle helmet does not always == the quality of the helmet.   So 2% of salary on a helmet, can you go give him a face punch?

I wish I had a 401k match :(.  Can I have his?

Horseback riding helmets are like this.  In the last 5-10 years, designer helmets from $500-1500 have become *the thing*.  Some of them might be a tiny bit lighter or more well-ventilated, but I have a $70 one that is so comfortable I pretty much forget it's on my head.  And yeah, first time you fall off, that sucker needs to be replaced. Or after 3-5 years of normal use it needs to be replaced. The safety testing and ASTM requirements show that the $1500 helmet does not provide any more protection than the $70 one. 

druth

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Re: Overheard at Work
« Reply #11195 on: November 03, 2015, 07:25:37 AM »
It's true even for plain old bike helmets.  The regulated bar for safety is pretty high, anything other than that is probably just for show.

powersuitrecall

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Re: Overheard at Work
« Reply #11196 on: November 03, 2015, 07:43:03 AM »
Hot Tubs! 

CW says he spends $5/day just on the electricity required for his vessel of perpetually warm water.
« Last Edit: November 03, 2015, 07:47:29 AM by powersuitrecall »

RWD

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Re: Overheard at Work
« Reply #11197 on: November 03, 2015, 07:58:57 AM »
Hot Tubs! 

CW says he spends $5/day just on the electricity required for his vessel of perpetually warm water.

Wow! I think his costs are on the high side based on this thread: http://www.troublefreepool.com/threads/39310-how-much-do-you-spend-on-power-for-your-hot-tub.

mtn

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Re: Overheard at Work
« Reply #11198 on: November 03, 2015, 08:26:11 AM »
It's true even for plain old bike helmets.  The regulated bar for safety is pretty high, anything other than that is probably just for show.

In car racing helmets--similar to motorcycle helmets--often times the cost goes along with extra features or comfort. They don't get safer the more you spend.

meg_shannon

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Re: Overheard at Work
« Reply #11199 on: November 03, 2015, 08:39:28 AM »
It's true even for plain old bike helmets.  The regulated bar for safety is pretty high, anything other than that is probably just for show.

In car racing helmets--similar to motorcycle helmets--often times the cost goes along with extra features or comfort. They don't get safer the more you spend.

This is true for carseats as well. Most parents will spend a bit more for some comfort because the baby may be more likely to sleep in the seat. (I would have paid a lot if someone could have guaranteed my LO would sleep).