Author Topic: Overheard at Work  (Read 5468927 times)

mm1970

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Re: Overheard at Work
« Reply #1250 on: December 22, 2013, 11:45:03 AM »
Actually I think the financial argument is somewhat flawed. Theoretically I make several times more than I'd have to pay someone to do the cleaning for me however I have a salaried position and I wouldn't be making any more money by staying at work few extra hours every week. I'm sure many if not most of you would be in a similar position.

I do my own cleaning because I live in a small apartment and my weekends aren't that busy anyway.
Well in that situation, of course!  I am also salaried, but I have been so busy that I have ended up taking PTO every week for the last three months because I cannot even manage to get 40 hours of work in.  My husband is one of those rare birds who is an engineer but is paid by the hour.

Insanity

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Re: Overheard at Work
« Reply #1251 on: December 22, 2013, 08:57:58 PM »
Removed - did not see the other thread.


ichangedmyname

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Re: Overheard at Work
« Reply #1252 on: December 22, 2013, 11:06:23 PM »
Guy at work said: I'm 28 years old, it's time I bought something.*

*talking about "buying" a $22,000 brand new car (with $200/mo payments) after I asked why not get a second-hand car since his current one just died on him.
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rufflina

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Re: Overheard at Work
« Reply #1253 on: December 23, 2013, 12:46:13 PM »
My female friend at work (age 22, graduated from college half a year ago) just ordered a brand new BMW 328i (probably ~$40K). I wondered why, and she said her mom said it was the safest car. What? Granted, we do make ~$100K a year, but she just graduated and is living in an apartment in our lovely overpriced Bay Area. She said she'll probably put $20K down and borrow $20K.

voidmain

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Re: Overheard at Work
« Reply #1254 on: December 26, 2013, 05:27:12 PM »
My female friend at work (age 22, graduated from college half a year ago) just ordered a brand new BMW 328i (probably ~$40K). I wondered why, and she said her mom said it was the safest car. What? Granted, we do make ~$100K a year, but she just graduated and is living in an apartment in our lovely overpriced Bay Area. She said she'll probably put $20K down and borrow $20K.

Ugggh this makes so little sense on so many levels. The new 3 series are definitely very safe cars, but they only get 4/5 stars on the NHTSA frontal impact test, there are cars that get 5 stars on all of them. And I'm sure the extra power in the 328i vs the 320i makes it "safer" somehow, despite tests saying otherwise ;). As an aside, F30s are likely a maintenance disaster a few years.
« Last Edit: December 26, 2013, 05:29:56 PM by voidmain »

MicroRN

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Re: Overheard at Work
« Reply #1255 on: December 27, 2013, 01:51:42 PM »
On FB, but it's one of DH's coworkers...

He and his wife have matching recent model Mercedes sedans.  They have a few month old baby, and just bought him a matching Mercedes power wheels car for Christmas.  Yeah, a $350 toy car that he can't even use for a couple more years. 

Insanity

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Re: Overheard at Work
« Reply #1256 on: December 27, 2013, 02:08:08 PM »
On FB, but it's one of DH's coworkers...

He and his wife have matching recent model Mercedes sedans.  They have a few month old baby, and just bought him a matching Mercedes power wheels car for Christmas.  Yeah, a $350 toy car that he can't even use for a couple more years.


awww.. that is soooooo cute!!!!!!!

(sorry, couldn't resist)

JessieImproved

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Re: Overheard at Work
« Reply #1257 on: December 27, 2013, 02:14:58 PM »
On FB, but it's one of DH's coworkers...

We should probably start an "Overheard on Facebook".
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Zamboni

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Re: Overheard at Work
« Reply #1258 on: December 27, 2013, 02:25:22 PM »
^Meh, since half of the posters are on facebook while at work, it probably is sort of like overheard at work (it's just the virtual people talking . . .)
« Last Edit: December 27, 2013, 03:04:41 PM by Zamboni »

the fixer

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Re: Overheard at Work
« Reply #1259 on: December 27, 2013, 03:03:10 PM »
Try this for a laugh: http://whitewhine.com

Empire Business

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Re: Overheard at Work
« Reply #1260 on: December 27, 2013, 03:26:21 PM »
On FB, but it's one of DH's coworkers...

He and his wife have matching recent model Mercedes sedans.  They have a few month old baby, and just bought him a matching Mercedes power wheels car for Christmas.  Yeah, a $350 toy car that he can't even use for a couple more years.

By then, he'll need a newer car to match his parents' newer cars.

vern

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Re: Overheard at Work
« Reply #1261 on: December 27, 2013, 09:43:54 PM »
"Of my fifty-seven years I have applied at least thirty to forgetting most of what I had learned or read, and since I succeeded in this I have acquired a certain ease and cheer which I should never again like to be without."  World Chess Champion Emanuel Lasker

mlipps

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medinaj2160

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Re: Overheard at Work
« Reply #1263 on: December 29, 2013, 08:35:19 PM »
Sometime ago a couple of my coworkers got fired; one of the coworkers that didn't get fired said "I can't afford to loose this job." Later that day she told us that she had the PS4 and Xbox one on preorder :/. Also a few days later she was showing us pictures of her 3 cats with some chrismast outfits... :/

Another coworker was on the phone the other day. It seems that he got a call from a collection agency. He was telling them that he had no money, that he was essentially broke, that he couldn't even afford to make a 10 dollar payment. later he went out to lunch with my other coworkers :0.

WTF? What's wrong with people? These people are engineers probably making 60-80k.
« Last Edit: December 29, 2013, 08:42:38 PM by medinaj2160 »

infogoon

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Re: Overheard at Work
« Reply #1264 on: December 30, 2013, 08:24:05 AM »
One of my all time favorite quotes from an old coworker arguing with his credit card company:

"You heard of robbing Peter to pay Paul? You're Peter."

Le0

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Re: Overheard at Work
« Reply #1265 on: December 30, 2013, 10:07:45 AM »
One of my all time favorite quotes from an old coworker arguing with his credit card company:

"You heard of robbing Peter to pay Paul? You're Peter."

How is that suppose to help win the argument? And that's SOOOOOOoooooooooooooo funny.
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Zamboni

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Re: Overheard at Work
« Reply #1266 on: December 30, 2013, 07:40:54 PM »
Quote
Also a few days later she was showing us pictures of her 3 cats with some chrismast outfits... :/

I bet the cats loved that.

Rollin

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Re: Overheard at Work
« Reply #1267 on: December 31, 2013, 06:04:09 AM »
Not overheard, but observed.  Had a co-worker's partner quit a job because they had a new baby (I applaud that - staying at home), but they now have completed a third newish car purchase/trade-in in the last year.  This one is a 2013 that was lightly used, but they still have a lot of money (I almost wrote cash :) into two late model vehicles now.  The working spouse makes about $50K.

Not overheard, but directly discussed.  Another co-worker told me the family will be out of debt in 5-years.  I hooked them up with MMM and they dug into their finances something fierce!  They are so excited to tell me what they found that was being wasted and how they killed so many bills and fees.  I see great success in their family finances over the next few years - they are in their early 30's.
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senecando

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Re: Overheard at Work
« Reply #1268 on: December 31, 2013, 09:38:40 AM »
(I almost wrote cash :)

There should be a name for the snarky smiley-faced parenthetical. It's great.

ender

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Re: Overheard at Work
« Reply #1269 on: December 31, 2013, 10:09:34 AM »
(I almost wrote cash :)

There should be a name for the snarky smiley-faced parenthetical. It's great.

http://xkcd.com/541/

wtjbatman

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Re: Overheard at Work
« Reply #1270 on: December 31, 2013, 07:19:59 PM »
A co-worker told me that if he was chosen for one of the random DTs we conduct at work, and it came up a presumptive positive, that he wouldn't be able to pay the $35 fee to have his sample tested in a lab. "Who has that kind of money just sitting around?"

Really? It's not like you need to have the $35 in your pocket. You just need to pay it within a couple days.

Jamesqf

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Re: Overheard at Work
« Reply #1271 on: December 31, 2013, 09:02:40 PM »
Really? It's not like you need to have the $35 in your pocket. You just need to pay it within a couple days.

What kind of person doesn't have that much in their pocket?  If I don't, I know it's time to stop by the ATM.

wtjbatman

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Re: Overheard at Work
« Reply #1272 on: December 31, 2013, 09:05:38 PM »
Really? It's not like you need to have the $35 in your pocket. You just need to pay it within a couple days.

What kind of person doesn't have that much in their pocket?  If I don't, I know it's time to stop by the ATM.

Honestly I can't guarantee I always have cash in my pocket, I'm pretty bad about walking around with like $10 in my wallet. But like you pointed out, it's not hard to stop by an ATM if I need cash. But the thought of not having access to even $35... yikes.

Insanity

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Re: Overheard at Work
« Reply #1273 on: December 31, 2013, 09:14:01 PM »
Really? It's not like you need to have the $35 in your pocket. You just need to pay it within a couple days.

What kind of person doesn't have that much in their pocket?  If I don't, I know it's time to stop by the ATM.

I hardly ever have more than $20-$30 in my wallet.  I simply don't need it.  I work from home and am hardly out.  And even when I go out, I use credit cards for most expenses (for the rewards and easier tracking for the budget).

Melody

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Re: Overheard at Work
« Reply #1274 on: December 31, 2013, 09:34:28 PM »
I would certainly assume that if my employer requests me to take a further drug test due to a false positive, I wouldn't see the bill. The drug test is solely for the employer's benefit. I've never heard of people having to pay for their own - this could be a "stingy employer - get out!" warning sign. (Similar to the employers that make you share rooms with other employees on business trips, the stingy employer that will go outside socially acceptable boundaries to save a buck is certainly not going to pay you what you are worth, as they are looking to keep every expense as low as possible.)

wtjbatman

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Re: Overheard at Work
« Reply #1275 on: December 31, 2013, 10:27:33 PM »
I would certainly assume that if my employer requests me to take a further drug test due to a false positive, I wouldn't see the bill. The drug test is solely for the employer's benefit. I've never heard of people having to pay for their own - this could be a "stingy employer - get out!" warning sign. (Similar to the employers that make you share rooms with other employees on business trips, the stingy employer that will go outside socially acceptable boundaries to save a buck is certainly not going to pay you what you are worth, as they are looking to keep every expense as low as possible.)

We classify it as a presumptive positive, and we don't give them another DT. When we do the initial DT we actually separate two samples from the collection and keep the second sample in case it needs further testing. The first sample is tested on site.

killingxspree

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Re: Overheard at Work
« Reply #1276 on: December 31, 2013, 11:13:46 PM »
Oh my... where do I even begin? My co-workers are a goldmine. Their stupidity makes me actually enjoy work mostly because I'm spending it guffawing at their expense but oh well.

--
co-worker 1: I can't afford to pay my rent this month.
me: Oh wow! =( how come? What happened?
cw1: My business partner took out my pay and gambled it away at the casino.
me: Uh..*groan* the one you're in a business partnership with?
cw1: yes
me: So what are you going do about it?
cw1: nothing I can't do anything about it.
me: Yes that is technically true, after all your in a partnership (at this point he looks at me blankly while I explain how liability in a partnership works...wtf???) but umm... have you thought about incorporating instead? or maybe not sharing bank accounts and just depositing an agreed upon amount into a shared account instead of depositing your paycheck into his account.
cw1: but he'd never agree to that.
me: Do you have any agreement in place at all?!
cw1: Not really... 'blah blah we need each other to get really rich..'
me: Uh-huh... and look how thats working out for you so far?...so how are going to pay your rent?
At lunchtime we go the store and he buys himself a packet of chips, energy drink and an icecream. His cards get declined twice. The third time he uses a credit card.

Later in the afternoon I find him having a mini meltdown in the office. His business partner sent him a text informing him he had a car crash in cw1's car... cw1's car is new and he hasn't paid it off yet... and then he tells me that he is behind on insurance payments and he recently got a notice in the mail about it. Now he is scrambling to find the money to pay up the insurance so he's covered. He's calling around begging.

Next week I find out his car is being repossessed by the bank because he is behind on car payments too. He says he has really bad credit and he's not sure what he's going to do about getting to and from work... I suggest public transport or biking. He says his business partner has been taking him to and from work but he's not very reliable (and he would never stoop as low as taking the bus). lol... really? you don't say. It was like talking to a domestic abuse victim. The ones that defend the perpetrator.

Then somewhere in between those weeks he was bitching that he hasn't gotten laid in a year and can't get a girlfriend because he has no money... at which I'm laughing ... wondering what he means... and so he explains that he spends up on his girlfriends to make them feel 'special' and how his last girlfriend cost him $2000 before she finally put out and he had to stop spending on her to get her to put out at all and then he found out she had a boyfriend... all to which I replied with... wow it would have been cheaper for you to hire prostitute!... he's not very impressed with me... and said I was unromantic... how romantic it is to be dating a stripper cheating with you on her boyfriend I will never understand. So i will leave it to his more sophisticated mind to enjoy.

--

another colleague recently asked for help filing bankruptcy papers. Well I wasn't about to just help them file bankruptcy papers without going through the sums with them. So turns out they had a $30,000 credit card, (how in gods name can you get $30,000 on a salary of 42,000 a year? I will never understand, apparently the bank kept sending him invitations to increase his limit and he accepted them buts its not his fault the nig bad nasty bank was out to get him...). He got behind in payments and ignored the notices and now there was a debt collector on him. So I went through the sums with him and it turns out he also has a car loan with about 30,000 and a tax debt and some other debts. In total he has debt of 60000. HOLY f_____ s___. He lives rent free, has no kids, free healthcare.... So I asked him 'How in gods name did you manage to get into this much debt?' and he replies that his ex-girlfriend needed money to pay for a lawyer and she didn't have the money... and so he gave it to her and then she promptly left him for the lawyer.

--
cw2 lives in a expensive apartment in the city. He had to be interviewed to get a place and he got his 3 cats put down so he could move in because it was strictly no pets.
cw2: rent is so expensive.
me: yes. we are really lucky in that respect. Our rent is only about $8000 a year.
cw2: seriously! that's how much we pay for the lift.
me: oh wow... is it worth it?

--
at a networking event. This person works in HR and with my partner. She actually asked me this question in earnest... I almost killed myself trying to suppress laughter.
Me: So I'm studying a degree in accounting.
HR: Oh yeah what will you have when your done...
Me: a bachelor of business.. My degree meets CPA/CA certification. I'm not sure if I'll go onto a masters or phd... blah blah.
HR: So... is a degree the same as a bachelor.
Me: Ummm...uhh... okie...wut?
HR: I never figured out the differences between them.
Me: hmm well, i'm not really great at explaining these kinds of things I think my partner would be better at explaining it. I'll go get him.

--

coworker 3: I have such bad health problems because of my weight. (she is severely obese) I really need to lose weight before my wedding so I'm on this slimblast diet. She explains that she doesn't eat after a certain time of the day and has powder shakes as meal replacements.

Me: (Honestly, I'm thinking replacing real delicious food with shakes sounds like the most horrible idea I've ever heard of...) Are the shakes tasty?

CW3: The chocolate ones are.

Me: Wow at least none of those health problems will be permanent if you lose the weight. Have you ever heard of the paleo diet *its really good blah avocado blah beef jerky* and what are you doing in terms of exercise?

coworker 3: No, but DP tried paleo diet but its too faddy and I exercise enough at work. Too much exercise causes me pain.

Me: Fair enough, you'll be able to exercise better once the weight is off anyway.

Though I can tell the idea of exercise isn't appealing to her much, so I try to encourage her to try doing fun stuff like with her DP so it doesn't feel like exercise like going to the beach or pool for a swim but I don't think I've had much success persuading her.

At lunchtime I'm inwardly horrified to see her eating a whole lot of junk she bought from the store... she feels she needs to explain this to me... and tells me she needs to keep her energy levels up because has reverse diabetes and didn't eat breakfast. Ummm okie but what does that have to do with chips, and an energy drink? I wonder

Jamesqf

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Re: Overheard at Work
« Reply #1277 on: December 31, 2013, 11:40:21 PM »
...and so he explains that he spends up on his girlfriends to make them feel 'special' and how his last girlfriend cost him $2000 before she finally put out and he had to stop spending on her to get her to put out at all and then he found out she had a boyfriend... all to which I replied with... wow it would have been cheaper for you to hire prostitute!...

But he WAS dating a prostitute - and a pretty darned expensive one, too :-)

Quote
... and tells me she needs to keep her energy levels up because has reverse diabetes...

That's a new one to me.  I wonder if the AMA has heard of that condition?

killingxspree

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Re: Overheard at Work
« Reply #1278 on: January 01, 2014, 12:25:40 AM »
Ive been googling it and can't find anything on it

frugledoc

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Re: Overheard at Work
« Reply #1279 on: January 01, 2014, 04:24:14 AM »
Having cats put down so you can live in a nice flat is so sad.  I think a person would have to be a psychopath to be so ruthless.

Albert

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Re: Overheard at Work
« Reply #1280 on: January 01, 2014, 04:44:19 AM »
Some of you have weird co-workers… Honestly if I had serious financial difficulties I wouldn't admit it to co-workers. Maybe to one or two which double as friends and then only if I was sure that it won't go any further.


AlmostIndependent

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Re: Overheard at Work
« Reply #1281 on: January 01, 2014, 02:38:22 PM »
Some of you have weird co-workers… Honestly if I had serious financial difficulties I wouldn't admit it to co-workers. Maybe to one or two which double as friends and then only if I was sure that it won't go any further.

I'm right there with you. I wouldn't share my problems except with maybe a select few.
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vern

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Re: Overheard at Work
« Reply #1282 on: January 01, 2014, 08:10:32 PM »
Good stuff killingxspree!  Keep 'em coming!
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Tempe

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Re: Overheard at Work
« Reply #1283 on: January 01, 2014, 08:23:31 PM »
Having cats put down so you can live in a nice flat is so sad.  I think a person would have to be a psychopath to be so ruthless.
I was thinking the same thing :( that sounds so sad they didn't even attempt to find new homes for them.

Frankies Girl

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Re: Overheard at Work
« Reply #1284 on: January 01, 2014, 08:26:31 PM »
Some of you have weird co-workers… Honestly if I had serious financial difficulties I wouldn't admit it to co-workers. Maybe to one or two which double as friends and then only if I was sure that it won't go any further.

I hear stuff all the time, and I feel the same way - I would never share that sort of info unless it was a REALLY close friend.

I think it's because the ones in my experience feel like their money woes are not their fault. That it's not due to bad decisions or stupid spending, but like an act of nature or someone else's fault, otherwise they'd feel embarrassed. There's little shame nowadays in doing something stupid, because personal responsibility seems to be absent as well.
I frequently have no idea what I'm talking about. Like now.

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HappierAtHome

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Re: Overheard at Work
« Reply #1285 on: January 01, 2014, 08:44:43 PM »
I hear stuff all the time, and I feel the same way - I would never share that sort of info unless it was a REALLY close friend.

I think it's because the ones in my experience feel like their money woes are not their fault. That it's not due to bad decisions or stupid spending, but like an act of nature or someone else's fault, otherwise they'd feel embarrassed. There's little shame nowadays in doing something stupid, because personal responsibility seems to be absent as well.

+1. They don't understand that they sound like idiots, because they don't believe they created the situation/problem.

Speaking of which...

"I'm never going to be able to retire. I have too much debt. You really shouldn't have kids, once you have kids you need a big house, a Landcruiser, a camping trailer, and their playstations and stuff cost so much."

Um yeah. No way I can get this guy to understand that it didn't have to be this way. It's that darned external locus of control again.

JessieImproved

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Re: Overheard at Work
« Reply #1286 on: January 01, 2014, 09:16:09 PM »
I hear stuff all the time, and I feel the same way - I would never share that sort of info unless it was a REALLY close friend.

I think it's because the ones in my experience feel like their money woes are not their fault. That it's not due to bad decisions or stupid spending, but like an act of nature or someone else's fault, otherwise they'd feel embarrassed. There's little shame nowadays in doing something stupid, because personal responsibility seems to be absent as well.

+1. They don't understand that they sound like idiots, because they don't believe they created the situation/problem.

This may be true in some cases, but there's another explanation as well.  Some people feed off of pity - my grandmother is one of these people.  For her, it's illness, but for a lot of people, money is probably a good way to get that sympathy fix.
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CWAL

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Re: Overheard at Work
« Reply #1287 on: January 02, 2014, 02:07:32 AM »

cw2 lives in a expensive apartment in the city. He had to be interviewed to get a place and he got his 3 cats put down so he could move in because it was strictly no pets.


This is one of the more effed up things I've heard in quite a while...

marty998

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Re: Overheard at Work
« Reply #1288 on: January 02, 2014, 03:44:02 AM »
#1: Look at my new phone! Only $69 a month!
#2: Wow is that an iphone? what deal? mine was $80 a month
#1: it was a special offer, extra data too.
#3: you guys are good, mine is $120, I had gotten it the moment it came out
#1: Marty you've been quiet, whats your plan?
M: two-fifty
all: (shocked) TWO HUNDRED AND FIFTY!!!
M: umm no, two dollars fifty
#1: shit #2: howdafuck?
M: prepaid + free text

I have to say, killingxspree's post is the funniest shit I've seen on these boards in a very long time. Can we hear some more?

Maigahane

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Re: Overheard at Work
« Reply #1289 on: January 02, 2014, 08:16:40 AM »

Quote
... and tells me she needs to keep her energy levels up because has reverse diabetes...

That's a new one to me.  I wonder if the AMA has heard of that condition?
Probably hypoglycemia. You're body creates too much insulin causing sugar crashes. However eating junk food is obviously not doing any good because simple sugars are processed much faster than complex carbs and so you get an extra jump of energy then a major crash. And your pancreas can actually basically wear itself out and stop working completely jumping you to severe diabetes if you don't watch it

senecando

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Re: Overheard at Work
« Reply #1290 on: January 02, 2014, 08:45:18 AM »
coworker 3: I have such bad health problems because of my weight. (she is severely obese) I really need to lose weight before my wedding so I'm on this slimblast diet. She explains that she doesn't eat after a certain time of the day and has powder shakes as meal replacements.

...

Me: Wow at least none of those health problems will be permanent if you lose the weight. Have you ever heard of the paleo diet *its really good blah avocado blah beef jerky* and what are you doing in terms of exercise?

coworker 3: No, but DP tried paleo diet but its too faddy and I exercise enough at work.


I will never understand how anything can be faddier than something called "SlimBlast."

153

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Re: Overheard at Work
« Reply #1291 on: January 02, 2014, 10:43:13 AM »
Department leadership meeting last week where my dept manager announced that we were approved for purchase of an educational cd-rom. Offhand she mentions that she has to figure out how we are going to order it, because she doesn't want it on her cc before Christmas.

 Employer is speedy about getting reimbursements out, so I say that I'll put it on my cc. One CW says  "you didn't even ask how much it is first!!!" Now- reimbursements are limited to 1k- above that and the company is cutting the check directly, so I knew we were looking at less than that.

I realized that being able to float anything is seen as unusual, and didn't want to get into a whole thing about that- so I mumbled something about points, and tried to leave the impression that I was gunning for free flights with an end of year spending burst. 

Total order, including tax: $105.93.

jrhampt

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Re: Overheard at Work
« Reply #1292 on: January 02, 2014, 12:48:14 PM »
Having cats put down so you can live in a nice flat is so sad.  I think a person would have to be a psychopath to be so ruthless.

Yeah, this is pretty horrifying to me.

pdxbator

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Re: Overheard at Work
« Reply #1293 on: January 02, 2014, 02:03:43 PM »
So a front office staff is out on 'short-term disability'. I guess she had some small surgery and is now out for 2 months. Ok...so this is a medical office so everyone is skeptical as 2 months post small surgery is extreme. I guess she got some numbskull doc to sign the disability papers.

This woman has had numerous expensive dogs that she has gotten rid of because they aren't even tempered enough. She comes in with her nails done. She has a venti coffee drink every single day. She then complains about how little money she has.

Anyhow, a coworker saw her browsing on her computer on the investment website of where we work. Front staff person confides in someone else that she didn't realize she had been putting a small amount away in a 403b since she was hired. Front staff person on this disablity leave divests her 403b and has a great big Xmas with lots of gifts still on disability leave. She can somehow manage to shop but not make it to work.

Hearing stuff like this makes me crazy. We are seriously screwed in the US when these people are wanting to retire and they will have nothing to speak of.
already FI but telling myself I'll RE at age 50 in 7 years. Can I make it?

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AlmostIndependent

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Re: Overheard at Work
« Reply #1294 on: January 02, 2014, 02:24:31 PM »
So a front office staff is out on 'short-term disability'. I guess she had some small surgery and is now out for 2 months. Ok...so this is a medical office so everyone is skeptical as 2 months post small surgery is extreme. I guess she got some numbskull doc to sign the disability papers.

This woman has had numerous expensive dogs that she has gotten rid of because they aren't even tempered enough. She comes in with her nails done. She has a venti coffee drink every single day. She then complains about how little money she has.

Anyhow, a coworker saw her browsing on her computer on the investment website of where we work. Front staff person confides in someone else that she didn't realize she had been putting a small amount away in a 403b since she was hired. Front staff person on this disablity leave divests her 403b and has a great big Xmas with lots of gifts still on disability leave. She can somehow manage to shop but not make it to work.

Hearing stuff like this makes me crazy. We are seriously screwed in the US when these people are wanting to retire and they will have nothing to speak of.

It amazes me hearing about people not realizing they had money and then promptly going out spending it as soon as they discover the pile of cash. I wish I knew what went through their heads.
In the path of our happiness shall we find the learning for which we have chosen this lifetime.

dragoncar

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Re: Overheard at Work
« Reply #1295 on: January 03, 2014, 10:26:03 AM »
Really? It's not like you need to have the $35 in your pocket. You just need to pay it within a couple days.

What kind of person doesn't have that much in their pocket?  If I don't, I know it's time to stop by the ATM.

People who do drugs

Le0

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Re: Overheard at Work
« Reply #1296 on: January 03, 2014, 11:00:35 AM »
me: "we signed up for the pension plan"
cw: "Ya I haven't done that, I just don't understand it"
me: "well they take 11% off before taxes, and match it"
cw: bla bla bla "That 11% is really important right now"
me: "but you barely notice it gets taken off because its before taxes..."
cw: "we have stuff invested else where..."
me: "Free MONEY?"

the conversation changed sharply after that... it might have been my stupid look on my face.
I am working hard to move towards Financial Independence.

Hunny156

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Re: Overheard at Work
« Reply #1297 on: January 03, 2014, 11:38:03 AM »
A co-worker stopped by to ask me how the 401K plan works.  He's been an employee for about 6 months, but our employer won't match your 401K until you've been here a year.  After that, it's a fairly generous match - 100% match in your 401K up to first 6% of salary, PLUS 3% of your salary in a retirement fund - no match required!  They way they set it up is weird, but it all funnels into your same 401K account, and you vest after 5 years w/the company.

I explained the 1 year waiting period, and told him I set it up as soon as I started working, but had the initial 6% pulled after my 1 year was up, b/c I could invest funds elsewhere if they weren't going to match.  he agreed w/the strategy, but kept referring to 4% of salary.  I corrected him, saying 6% is what you need to invest to get the full match.  He wasn't sure he could afford to "lose 6%" of his salary.  He's very intelligent, so I reminded him that he'd be leaving free money on the table if he didn't invest 6%.  He nodded in agreement, but still signed up at 4%!

Always blown away that 6% PRE-TAX is such a hardship...

randymarsh

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Re: Overheard at Work
« Reply #1298 on: January 03, 2014, 12:15:15 PM »
Always blown away that 6% PRE-TAX is such a hardship...

On a 50K salary paid biweekly, the difference between 4% and 6% is...$29! Who would even notice that?

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rocksinmyhead

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Re: Overheard at Work
« Reply #1299 on: January 03, 2014, 12:19:00 PM »
This woman has had numerous expensive dogs that she has gotten rid of because they aren't even tempered enough.

ugh, people who view pets like this make me absolutely ill.

and on the "coworkers who are ignorant about 401k matching" note... yeah, I have a coworker who started a few months before me; for both of us it's our first job out of school. I was flabbergasted when she told me she wasn't putting ANYTHING in... we get an 8% match and it vests immediately. THAT'S LIKE A GUARANTEED 100% RETURN ON YOUR INVESTMENT!!!!! and we make plenty of money and she is single with no kids so it's not like this should be a hardship.

granted, I experienced a momentary flash of jealousy when she started talking about house shopping (my boyfriend and I daydream about buying a house all the time, but are nowhere near having a down payment and plus we wouldn't buy one until we get married anyway)... but honestly I know she is going to way overextend herself and then be one of those people that has huge panic attacks when there are layoff rumors (we are in a very cyclical industry). in fact, she currently rents a ridiculously large house (2000+ sq ft) that's at least a 20-minute drive from our office (which, considering our office location and the size of Tulsa, is also ridiculous, but she wanted to live "out in the country"... aka in a subdivision where all the houses look similar and the only businesses in the area are chain restaurants?! uh, okay), and I overheard her saying to another coworker that she's "definitely looking for something that size or bigger."

keep in mind that she is single and lives by herself with 2 very small dogs.

seriously, I like this girl a lot and she's one of my favorite coworkers but listening to her talk about money and lifestyle choices MAKES MY BRAIN EXPLODE!!!