Author Topic: Overheard at Work  (Read 5897916 times)

ender

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Re: Overheard at Work
« Reply #12600 on: February 21, 2016, 06:59:37 AM »
A few months ago,I told coworker about passive investing and Bogleheads because he was always complaining that he lost money on his latest speculation. He seemed super excited and told me that he was switching to buying VFIFX (Vanguard target 2050). I met him recently and asked how he was doing - he sold all the stock in his brokerage as well as his 401k because the market was down.... :facepalm:

I sold everything in my 401k a few weeks ago, too.

Course I am rolling it over into an IRA, so there's that :)

johnny847

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Re: Overheard at Work
« Reply #12601 on: February 21, 2016, 10:28:58 AM »
A few months ago,I told coworker about passive investing and Bogleheads because he was always complaining that he lost money on his latest speculation. He seemed super excited and told me that he was switching to buying VFIFX (Vanguard target 2050). I met him recently and asked how he was doing - he sold all the stock in his brokerage as well as his 401k because the market was down.... :facepalm:

Well he was consistent...VFIFX is 90% stocks so it's been doing poorly recently.

WildJager

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Re: Overheard at Work
« Reply #12602 on: February 22, 2016, 01:07:56 AM »
1. cooking - pretty much open ended and if you follow the all recipes path and start cooking recipes you think you'll like while reading comments you will learn to improvise and learn to COOK

2. baking  - SET ingredients and measurements and cook times and rest times etc. to cook it correctly

I disagree, I've never understood why baking is considered different from cooking.  I use recipes as a general guideline, but I ultimately go by feel for both.  For instance, after doing bread or cookies a few times I know what the proper water content should be before putting them in the oven.  It's not always the specified amount.  I've also never been able to use baking times exactly.  Gotta go by look or toothpick.  If baking was an exact science then recipes would never change.  There'd only be one chocolate chip cookie recipe out there :-(  Baking as with cooking: experiment, wing it!

baking is chemistry its very simple.  there are multiple recipes b/c people like things different. 

i cant just decide to add extra flour or water to something without it ruining a chemical reaction.  if i want a brothier soup i can add more liquid and still end up with soup.
 

Baking is one specific type of cooking, a subset of the cooking universe, not different from cooking.  Baking is cooking using hot air, i.e., in an oven.  You bake a cake, you don't bake soup.

Semantics, but, I'd argue that roasting is the potentially better generic phrase for the basic subset of using dry air to heat.

While baking is also defined pretty much the same way, I think the deliniating factor is what you're preparing.  Food with fatty exteriers and a more solid structure, and cooked uncovered, is roasted.  While food that starts out with a non solid structure (may or may not be covered) is baked.  Hence the common use for "baking" as the specific term used for ... For lack of a better word, "baked goods."

Again, semantics, but an interesting distinction non the less.  Now if you put a soup in a Dutch oven into the oven would that be baking?  Probably not because the structure never solifies, but some questions just can't be answered.  ;)

dragoncar

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Re: Overheard at Work
« Reply #12603 on: February 22, 2016, 01:16:19 AM »
1. cooking - pretty much open ended and if you follow the all recipes path and start cooking recipes you think you'll like while reading comments you will learn to improvise and learn to COOK

2. baking  - SET ingredients and measurements and cook times and rest times etc. to cook it correctly

I disagree, I've never understood why baking is considered different from cooking.  I use recipes as a general guideline, but I ultimately go by feel for both.  For instance, after doing bread or cookies a few times I know what the proper water content should be before putting them in the oven.  It's not always the specified amount.  I've also never been able to use baking times exactly.  Gotta go by look or toothpick.  If baking was an exact science then recipes would never change.  There'd only be one chocolate chip cookie recipe out there :-(  Baking as with cooking: experiment, wing it!

baking is chemistry its very simple.  there are multiple recipes b/c people like things different. 

i cant just decide to add extra flour or water to something without it ruining a chemical reaction.  if i want a brothier soup i can add more liquid and still end up with soup.
 

Baking is one specific type of cooking, a subset of the cooking universe, not different from cooking.  Baking is cooking using hot air, i.e., in an oven.  You bake a cake, you don't bake soup.

Semantics, but, I'd argue that roasting is the potentially better generic phrase for the basic subset of using dry air to heat.

While baking is also defined pretty much the same way, I think the deliniating factor is what you're preparing.  Food with fatty exteriers and a more solid structure, and cooked uncovered, is roasted.  While food that starts out with a non solid structure (may or may not be covered) is baked.  Hence the common use for "baking" as the specific term used for ... For lack of a better word, "baked goods."

Again, semantics, but an interesting distinction non the less.  Now if you put a soup in a Dutch oven into the oven would that be baking?  Probably not because the structure never solifies, but some questions just can't be answered.  ;)

What about baked ziti?

WildJager

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Re: Overheard at Work
« Reply #12604 on: February 22, 2016, 01:19:28 AM »
1. cooking - pretty much open ended and if you follow the all recipes path and start cooking recipes you think you'll like while reading comments you will learn to improvise and learn to COOK

2. baking  - SET ingredients and measurements and cook times and rest times etc. to cook it correctly

I disagree, I've never understood why baking is considered different from cooking.  I use recipes as a general guideline, but I ultimately go by feel for both.  For instance, after doing bread or cookies a few times I know what the proper water content should be before putting them in the oven.  It's not always the specified amount.  I've also never been able to use baking times exactly.  Gotta go by look or toothpick.  If baking was an exact science then recipes would never change.  There'd only be one chocolate chip cookie recipe out there :-(  Baking as with cooking: experiment, wing it!

baking is chemistry its very simple.  there are multiple recipes b/c people like things different. 

i cant just decide to add extra flour or water to something without it ruining a chemical reaction.  if i want a brothier soup i can add more liquid and still end up with soup.
 

Baking is one specific type of cooking, a subset of the cooking universe, not different from cooking.  Baking is cooking using hot air, i.e., in an oven.  You bake a cake, you don't bake soup.

Semantics, but, I'd argue that roasting is the potentially better generic phrase for the basic subset of using dry air to heat.

While baking is also defined pretty much the same way, I think the deliniating factor is what you're preparing.  Food with fatty exteriers and a more solid structure, and cooked uncovered, is roasted.  While food that starts out with a non solid structure (may or may not be covered) is baked.  Hence the common use for "baking" as the specific term used for ... For lack of a better word, "baked goods."

Again, semantics, but an interesting distinction non the less.  Now if you put a soup in a Dutch oven into the oven would that be baking?  Probably not because the structure never solifies, but some questions just can't be answered.  ;)

What about baked ziti?

Roas-bak-ing?

Haha, I usually consider casseroles baking.  I generally reserve roasting to base ingredients like meat or veggies that are mostly whole.  But this is a slippery slope...

hpb

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Re: Overheard at Work
« Reply #12605 on: February 22, 2016, 09:52:12 AM »
Kid over his head in debt just got a new BMW.  Everyone was congratulating him.  Another guy told us this gem -

"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Geostache

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Re: Overheard at Work
« Reply #12606 on: February 22, 2016, 10:21:01 AM »
Ooh. Speaking of unmustachian co-worker car purchases. There's a couple at work whom I thought might be secretly Mustachian. Whelp, nope. They used to drive a sub-compact car to work. Carpooled with them in their brand-new Ram 2500 to a work celebration. Along the way, they explained that they bought the truck because "my brother was visiting and was using our van for his family. I had to put the three kids in the car, and that wasn't working." So, because the brother was 'visiting' and they couldn't fit their family of 5 in the sub-compact, they BOUGHT A BRAND NEW "Big Horn" truck (starting MSRP $41k). Oh, and they're planning on buying something that they would need to haul with the truck soon, too, so it made sense. o_O

So now, they are going to commute (have no idea how long their commute is) in a GIANT truck, and now they have that truck AND a minivan.

jinga nation

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Re: Overheard at Work
« Reply #12607 on: February 22, 2016, 02:09:39 PM »
Kid over his head in debt just got a new BMW.  Everyone was congratulating him.  Another guy told us this gem -

"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"
I won't lie, I think of that line every week. But every unnecessary purchase delays my retirement (which will be the day my last-born goes to college or is kicked out of the Jinga Nation roost). That will be Aug 2032.
If I genuinely enjoy my profession and workplace, is there a reason to FIRE? Keep Calm and Carry On Milking.

babysnowbyrd

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Re: Overheard at Work
« Reply #12608 on: February 22, 2016, 03:01:20 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...

zephyr911

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Re: Overheard at Work
« Reply #12609 on: February 22, 2016, 03:05:06 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...
That at least might produce a positive ROI :P
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MoonShadow

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Re: Overheard at Work
« Reply #12610 on: February 22, 2016, 04:25:30 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Entire careers of salesmen have been based upon this excuse for generations.

EDIT:  My wife's van has been needing a new set of brake pads for a couple weeks.  Today, I broke down and made an appointment at the repair shop; mostly because I hate replacing brake pads.  I guess I needed an excuse as well.
« Last Edit: February 22, 2016, 04:27:42 PM by MoonShadow »

coolistdude

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Re: Overheard at Work
« Reply #12611 on: February 22, 2016, 08:57:41 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...
That at least might produce a positive ROI :P

When these people experience positive ROI, I think it is accidental luck. When I want luxury, I carpool to work.

Didn't really overhear this one from work, more like I observed it from the parking lot. The president at my company is on their 3rd brand new car in the past 1.5 years. All new Subarus or Hondas, so better than Mercedes, but still! Maybe a condition of working is that they experience the new car smell at all times.
The good: 27 years old, 1 car, not renting anymore.
The bad: Single income, only about $17k in retirement, and no FI date.
The ugly: 1 year ago I was doing much better but lost all possessions due to mold. It has been an emotional roller coaster.

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KodeBlue

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Re: Overheard at Work
« Reply #12612 on: February 22, 2016, 09:00:13 PM »
And here I just wasted $15 on a state inspection sticker. I could have applied that $15 to buying a new car.

nnls

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Re: Overheard at Work
« Reply #12613 on: February 22, 2016, 09:10:52 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...
That at least might produce a positive ROI :P

When these people experience positive ROI, I think it is accidental luck. When I want luxury, I carpool to work.

Didn't really overhear this one from work, more like I observed it from the parking lot. The president at my company is on their 3rd brand new car in the past 1.5 years. All new Subarus or Hondas, so better than Mercedes, but still! Maybe a condition of working is that they experience the new car smell at all times.

I worked with a guy who had 7 new cars or bikes in a 12 month period. Eventually his wife made him stop.

coolistdude

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Re: Overheard at Work
« Reply #12614 on: February 22, 2016, 09:15:16 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...
That at least might produce a positive ROI :P

When these people experience positive ROI, I think it is accidental luck. When I want luxury, I carpool to work.

Didn't really overhear this one from work, more like I observed it from the parking lot. The president at my company is on their 3rd brand new car in the past 1.5 years. All new Subarus or Hondas, so better than Mercedes, but still! Maybe a condition of working is that they experience the new car smell at all times.

I worked with a guy who had 7 new cars or bikes in a 12 month period. Eventually his wife made him stop.

Was he going through midlife crisis?
The good: 27 years old, 1 car, not renting anymore.
The bad: Single income, only about $17k in retirement, and no FI date.
The ugly: 1 year ago I was doing much better but lost all possessions due to mold. It has been an emotional roller coaster.

Blog: http://bravelycontent.blogspot.com/

nnls

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Re: Overheard at Work
« Reply #12615 on: February 22, 2016, 09:25:48 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

Ha ha. How stupid.

Well, I'm hungry and ran out of baby carrots. I'm going to go buy a grocery store...
That at least might produce a positive ROI :P

When these people experience positive ROI, I think it is accidental luck. When I want luxury, I carpool to work.

Didn't really overhear this one from work, more like I observed it from the parking lot. The president at my company is on their 3rd brand new car in the past 1.5 years. All new Subarus or Hondas, so better than Mercedes, but still! Maybe a condition of working is that they experience the new car smell at all times.

I worked with a guy who had 7 new cars or bikes in a 12 month period. Eventually his wife made him stop.

Was he going through midlife crisis?

No, he just used to tell me he would get bored on his days off work and see "good value" cars and feel the need to buy them. They weren't always brand new, but usually less than 3 years old.

LeRainDrop

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Re: Overheard at Work
« Reply #12616 on: February 22, 2016, 09:46:45 PM »
And here I just wasted $15 on a state inspection sticker. I could have applied that $15 to buying a new car.

Remember not to make the same mistake next year!  ;-)

MgoSam

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Re: Overheard at Work
« Reply #12617 on: February 23, 2016, 11:55:34 AM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

My cellphone has been having problems and I was just about to go to T-Mobile to have them look at it and possibly buy a new phone. A salesmen overheard me and asking to look at it (he's good with tech) and fixed the problem. I thanked him for saving me the trip, but secretly I really want a new phone. I'm not going to buy one as so long as my phone works it gets the job done.

This is facepunch worthy, although in my defense I do nearly all my sales calls on it and text products to different customers and makers, and would have gotten work to pay for it.

MrsDinero

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Re: Overheard at Work
« Reply #12618 on: February 23, 2016, 12:03:26 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

My cellphone has been having problems and I was just about to go to T-Mobile to have them look at it and possibly buy a new phone. A salesmen overheard me and asking to look at it (he's good with tech) and fixed the problem. I thanked him for saving me the trip, but secretly I really want a new phone. I'm not going to buy one as so long as my phone works it gets the job done.

This is facepunch worthy, although in my defense I do nearly all my sales calls on it and text products to different customers and makers, and would have gotten work to pay for it.
One person I used to work with would routinely upgrade her car when she went took it in for car maintenance.    I also know people who purposely get 27 month leases so they don't have to deal with any car maintenance.

Kitsune

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Re: Overheard at Work
« Reply #12619 on: February 23, 2016, 12:07:28 PM »
"i needed new brakes, so I just bought a new car instead.  I just needed the excuse"

My cellphone has been having problems and I was just about to go to T-Mobile to have them look at it and possibly buy a new phone. A salesmen overheard me and asking to look at it (he's good with tech) and fixed the problem. I thanked him for saving me the trip, but secretly I really want a new phone. I'm not going to buy one as so long as my phone works it gets the job done.

This is facepunch worthy, although in my defense I do nearly all my sales calls on it and text products to different customers and makers, and would have gotten work to pay for it.
One person I used to work with would routinely upgrade her car when she went took it in for car maintenance.    I also know people who purposely get 27 month leases so they don't have to deal with any car maintenance.

I've head colleagues mock me for not leasing because 'I'll have to deal with repairs'.

My car is almost 5 years old. It has never needed ANY repairs. The occasional inspection and oil change, that's it.

Suuuuuuuckers....

BeFree

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Re: Overheard at Work
« Reply #12620 on: February 23, 2016, 12:27:27 PM »
Not "overheard", but "saw" at work, but this is my favorite.

On nice days, I'll spend my lunch sitting in my car (not idling of course, windows open) - reading, people watching, etc. One day I saw two people return from their lunch, walk halfway back to the building, at which point the one woman noticed an open parking spot closer to the building, so she walked back to her car to move it to the closer parking spot. OMG ;-) Never mind that she had already walked the difference between the two parking spots, so she wasn't even saving any walking (not that that's an excuse anyway). This was several years ago, but I still laugh about it...

MandalayVA

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Re: Overheard at Work
« Reply #12621 on: February 23, 2016, 01:08:00 PM »
Not "overheard", but "saw" at work, but this is my favorite.

On nice days, I'll spend my lunch sitting in my car (not idling of course, windows open) - reading, people watching, etc. One day I saw two people return from their lunch, walk halfway back to the building, at which point the one woman noticed an open parking spot closer to the building, so she walked back to her car to move it to the closer parking spot. OMG ;-) Never mind that she had already walked the difference between the two parking spots, so she wasn't even saving any walking (not that that's an excuse anyway). This was several years ago, but I still laugh about it...

At Ginormocorp the old-timers of 25 years or more get a reserved parking space in the front lot closest to the building; in fact most of that lot is reserved.  When one of them goes on vacation or is going to be out for the day, there are almost literal fights to get to the person and ask if they can use the space.  One of the favored raffle around here prizes is use of a reserved space.  I don't walk fast at all, but even my turtle ass can make it from the far end of the back parking lot to the building in three minutes. 
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BeFree

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Re: Overheard at Work
« Reply #12622 on: February 23, 2016, 01:15:48 PM »
One of the favored raffle around here prizes is use of a reserved space.  I don't walk fast at all, but even my turtle ass can make it from the far end of the back parking lot to the building in three minutes.

Same at my company (that's a raffle I don't care to win). I'm all about automatic exercise to add to my day, so I always park at the back of my lot.

Dollar Slice

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Re: Overheard at Work
« Reply #12623 on: February 23, 2016, 01:21:47 PM »
Same at my company (that's a raffle I don't care to win). I'm all about automatic exercise to add to my day, so I always park at the back of my lot.

But if you won it you could probably sell the parking rights to someone else in the office for $20 ;-)
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coolistdude

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Re: Overheard at Work
« Reply #12624 on: February 23, 2016, 01:27:38 PM »
Same at my company (that's a raffle I don't care to win). I'm all about automatic exercise to add to my day, so I always park at the back of my lot.

But if you won it you could probably sell the parking rights to someone else in the office for $20 ;-)

Would they frown on it if you auctioned the parking right? You might get more than $20.
The good: 27 years old, 1 car, not renting anymore.
The bad: Single income, only about $17k in retirement, and no FI date.
The ugly: 1 year ago I was doing much better but lost all possessions due to mold. It has been an emotional roller coaster.

Blog: http://bravelycontent.blogspot.com/

dragoncar

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Re: Overheard at Work
« Reply #12625 on: February 23, 2016, 01:31:25 PM »
Not "overheard", but "saw" at work, but this is my favorite.

On nice days, I'll spend my lunch sitting in my car (not idling of course, windows open) - reading, people watching, etc. One day I saw two people return from their lunch, walk halfway back to the building, at which point the one woman noticed an open parking spot closer to the building, so she walked back to her car to move it to the closer parking spot. OMG ;-) Never mind that she had already walked the difference between the two parking spots, so she wasn't even saving any walking (not that that's an excuse anyway). This was several years ago, but I still laugh about it...

Maybe she was planning to do leg day in the company gym after work and then hobble back to her car?

Edit: or just planned to carry a bunch of stuff back and forth after work
« Last Edit: February 23, 2016, 01:33:03 PM by dragoncar »

LennStar

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Re: Overheard at Work
« Reply #12626 on: February 23, 2016, 02:50:25 PM »
Maybe a condition of working is that they experience the new car smell at all times.
UUAAAHHH!
You made me remember one of the worst things I have ever experienced.
You can actually buy this breath-taking new-car stink as a spray and spray the inside of your car with it. Someome I was driving with used it. I wondered why the stink was so bad - and then he got the spray out and sprayed his car (while driving for Gods sake!) with it and I nearly kicked open the door at full speed.
I made damn sure on the backway I would be in one of the other cars.
Such Horror!!!

merula

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Re: Overheard at Work
« Reply #12627 on: February 23, 2016, 02:53:28 PM »
At Ginormocorp the old-timers of 25 years or more get a reserved parking space in the front lot closest to the building; in fact most of that lot is reserved.  When one of them goes on vacation or is going to be out for the day, there are almost literal fights to get to the person and ask if they can use the space.  One of the favored raffle around here prizes is use of a reserved space.  I don't walk fast at all, but even my turtle ass can make it from the far end of the back parking lot to the building in three minutes. 

At my ginomocorp's annual charity raffle, there used to be two indoor parking spots donated by the company. Instead of having to wait for approximately 7 years tenure and paying $150/month, you got the year free. That always had the most tickets.

There have recently been some changes in the building, and the parking supply is being restricted starting next year, though still based on tenure with the company. Instead of needing around 7 years tenure, you're going to need around 30, or so they're predicting.

There are people who are threatening to retire rather than be forced to *gasp* walk outside to and from their cars.

I've been here 10 years. I've never been on the waiting list for parking, and I don't intend to start now.

merula

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Re: Overheard at Work
« Reply #12628 on: February 23, 2016, 03:24:12 PM »
At Ginormocorp the old-timers of 25 years or more get a reserved parking space in the front lot closest to the building; in fact most of that lot is reserved.  When one of them goes on vacation or is going to be out for the day, there are almost literal fights to get to the person and ask if they can use the space.  One of the favored raffle around here prizes is use of a reserved space.  I don't walk fast at all, but even my turtle ass can make it from the far end of the back parking lot to the building in three minutes. 

At my ginomocorp's annual charity raffle, there used to be two indoor parking spots donated by the company. Instead of having to wait for approximately 7 years tenure and paying $150/month, you got the year free. That always had the most tickets.

There have recently been some changes in the building, and the parking supply is being restricted starting next year, though still based on tenure with the company. Instead of needing around 7 years tenure, you're going to need around 30, or so they're predicting.

There are people who are threatening to retire rather than be forced to *gasp* walk outside to and from their cars.

I've been here 10 years. I've never been on the waiting list for parking, and I don't intend to start now.

Are these same people whining about bikes being allowed in the building? BTDT. Apparently if a car can't be parked inside, in a storage area, out of the way, bikes can't either - fair is fair after all.

Bike parking here is in the parking ramp, but in an area that's not usable for cars. So, it'd be a little weird to hear that, but I guess my argument would be that the more people who bike the fewer there on the list waiting for a parking spot.

mm1970

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Re: Overheard at Work
« Reply #12629 on: February 23, 2016, 03:29:47 PM »
Ha, this is a timely discussion.  My officemate is car shopping.  His wife is pregnant, due any day.

Quote today: "I feel like you can't even get a decent new car for under $45k.  And that doesn't sound like that much money, but $600 a month, that's a lot of money!"

We had quite the interesting conversation, because of course, $45k is a lot of money!  He said you can't even get a new Civic for under $30k (I swear my Civic was less than $20k 7 years ago so...)

Anyway, he's looking at trucks with a large cab to fit the baby.  He currently already has a large truck that would fit the baby in the back. I'm not sure whose car they are replacing.  Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."

And I said "And what if you have twins next time and need a third row??"  (Ha.  This happened to a friend who bought an SUV then had twins and could not fit 3 carseats in the SUV).

Anyway, I have to sit with him every day, so I didn't facepunch him.  But I did point out that my Matrix and Civic are just fine.  But he just pointed out that he drives a lot more and likes it.

MoonShadow

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Re: Overheard at Work
« Reply #12630 on: February 23, 2016, 04:02:54 PM »
I finally have one!

Late yesterday, I was talking with a new co-worker, who was hired in my department about two weeks ago.  He was formerly employed doing the same kind of work at another factory nearby, that is shutting down; and is about 50 years old, single & divorced with one grown child.  No more child support, and no alimony.  I mentioned my plan is to retire a month after my 55th birthday, as my youngest child turns 18 right before she graduates high school.  He told me about how thrifty he has become as a single older man; such as selling out the McMansion & moving into a tiny house that's paid for, selling the man-toys he never really needed (boat, motorcycle, etc.), and that he would love to retire at 55, but he doubts he will have enough money by then, as it looks like we are heading into another recession.  So I asked him how much he has in his 401k.

"Oh, something just shy of a million..."

"OMG!  Dude!  Why are you even here?!  If I had $900K or more, I would never have bothered to look for another job after I was laid off!"

Pooperman

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Re: Overheard at Work
« Reply #12631 on: February 23, 2016, 05:53:07 PM »
I finally have one!

Late yesterday, I was talking with a new co-worker, who was hired in my department about two weeks ago.  He was formerly employed doing the same kind of work at another factory nearby, that is shutting down; and is about 50 years old, single & divorced with one grown child.  No more child support, and no alimony.  I mentioned my plan is to retire a month after my 55th birthday, as my youngest child turns 18 right before she graduates high school.  He told me about how thrifty he has become as a single older man; such as selling out the McMansion & moving into a tiny house that's paid for, selling the man-toys he never really needed (boat, motorcycle, etc.), and that he would love to retire at 55, but he doubts he will have enough money by then, as it looks like we are heading into another recession.  So I asked him how much he has in his 401k.

"Oh, something just shy of a million..."

"OMG!  Dude!  Why are you even here?!  If I had $900K or more, I would never have bothered to look for another job after I was laid off!"

Casually slip the 4% article into an email to him...?

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Re: Overheard at Work
« Reply #12632 on: February 23, 2016, 06:29:41 PM »
I finally have one!

Late yesterday, I was talking with a new co-worker, who was hired in my department about two weeks ago.  He was formerly employed doing the same kind of work at another factory nearby, that is shutting down; and is about 50 years old, single & divorced with one grown child.  No more child support, and no alimony.  I mentioned my plan is to retire a month after my 55th birthday, as my youngest child turns 18 right before she graduates high school.  He told me about how thrifty he has become as a single older man; such as selling out the McMansion & moving into a tiny house that's paid for, selling the man-toys he never really needed (boat, motorcycle, etc.), and that he would love to retire at 55, but he doubts he will have enough money by then, as it looks like we are heading into another recession.  So I asked him how much he has in his 401k.

"Oh, something just shy of a million..."

"OMG!  Dude!  Why are you even here?!  If I had $900K or more, I would never have bothered to look for another job after I was laid off!"

Casually slip the 4% article into an email to him...?

I don't know him well enough to be slipping him anything, yet.  But I don't think that's it anyway, I think he is just scared of becoming a sloth and dying.  So many guys here have $2M+, but don't retire because they believe that they will die in three years.  I keep telling them that correlation is not causation; and that statistic is because so many people retire before they want due to health issues, but it doesn't seem to change anyone's mind.

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Re: Overheard at Work
« Reply #12633 on: February 23, 2016, 07:10:21 PM »
I don't know him well enough to be slipping him anything, yet.  But I don't think that's it anyway, I think he is just scared of becoming a sloth and dying.  So many guys here have $2M+, but don't retire because they believe that they will die in three years. I keep telling them that correlation is not causation; and that statistic is because so many people retire before they want due to health issues, but it doesn't seem to change anyone's mind.

Wow. For real?!

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Re: Overheard at Work
« Reply #12634 on: February 23, 2016, 07:24:46 PM »
I don't know him well enough to be slipping him anything, yet.  But I don't think that's it anyway, I think he is just scared of becoming a sloth and dying.  So many guys here have $2M+, but don't retire because they believe that they will die in three years. I keep telling them that correlation is not causation; and that statistic is because so many people retire before they want due to health issues, but it doesn't seem to change anyone's mind.

Wow. For real?!

Enough of them for it to be statistically significant, yes.  About 10% of them believe it to some degree or another, but only a few believe it as a fact.

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Re: Overheard at Work
« Reply #12635 on: February 23, 2016, 09:18:34 PM »
I just spoke with the woman who manages the cell phone contracts for my company. A number of employees racked up >$1,000 cell phone bill for ONE month each for their own phone numbers. I think the highest ever was something on the order >$4,000 for ONE MONTH. No that's not a typo: $4K for 1 month. I am 29 years old and I don't think I've spend more than $1-2K over the course of my LIFE on cell phones & plans, nevermind spending that in one month.

When confronted, the users in question had the audacity to say that it was their right to run up a company cell phone bill that high and refused to change their usage.

A few years ago on deployment us plebs used prepaid mobiles whilst the HQ group had plan phones, when several of the higher ups ran multi $000 bills up they removed the prepaids from us and then complained they could not contact us.

They never stopped the high bills from occurring, never gave us the prepaids back and never stopped whinging about the lack of contact.

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Re: Overheard at Work
« Reply #12636 on: February 24, 2016, 07:09:04 AM »
I don't know him well enough to be slipping him anything, yet.  But I don't think that's it anyway, I think he is just scared of becoming a sloth and dying.  So many guys here have $2M+, but don't retire because they believe that they will die in three years. I keep telling them that correlation is not causation; and that statistic is because so many people retire before they want due to health issues, but it doesn't seem to change anyone's mind.

Wow. For real?!

Enough of them for it to be statistically significant, yes.  About 10% of them believe it to some degree or another, but only a few believe it as a fact.
If you look at the average overweight US citizen it might even be a bit true if they arent forced to move at least a bit at work and after quitting they are completely sedentiary.
Also psychology (like there is a signifcant increase in deaths if the partner has died - maybe that works for "my partner the work" too?)

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Re: Overheard at Work
« Reply #12637 on: February 24, 2016, 07:49:58 AM »
Ha, this is a timely discussion.  My officemate is car shopping.  His wife is pregnant, due any day.

Quote today: "I feel like you can't even get a decent new car for under $45k.  And that doesn't sound like that much money, but $600 a month, that's a lot of money!"

We had quite the interesting conversation, because of course, $45k is a lot of money!  He said you can't even get a new Civic for under $30k (I swear my Civic was less than $20k 7 years ago so...)

Anyway, he's looking at trucks with a large cab to fit the baby.  He currently already has a large truck that would fit the baby in the back. I'm not sure whose car they are replacing.  Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."

And I said "And what if you have twins next time and need a third row??"  (Ha.  This happened to a friend who bought an SUV then had twins and could not fit 3 carseats in the SUV).

Anyway, I have to sit with him every day, so I didn't facepunch him.  But I did point out that my Matrix and Civic are just fine.  But he just pointed out that he drives a lot more and likes it.
Your CW is using the baby as an excuse to pile on more debt. New 2016 Civic LX starts just under $20k. I'm sure your CW wants the top-of-the-line with every feature and accessory.
My wife and I are raising 2 kids with a 2006 Civic and Accord, both LX trim. My neighbors, who make me look bad, are raising 2 boys with a 3-door base model Yaris and Matrix. My sister and her husband were raising a kid with an early 2000s BMW 3 series and a Jetta, forced to get a minivan when they had twins. So I get the utilitarian minivan thing.
But a truck to replace a truck... sure go ahead and contribute to one's own economic malaise, then holler and beg for a bailout/forgiveness.
A lot of my co-workers do the same thing to upgrade to a large truck or SUV when they're expecting a kid. But the co-worker drives the new vehicle, and doesn't use it for baby ride. Instead the spouse still has the old car and is tagged with the baby all day. So the new vehicle is for weekend excursions. Oy vey!
If I genuinely enjoy my profession and workplace, is there a reason to FIRE? Keep Calm and Carry On Milking.

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Re: Overheard at Work
« Reply #12638 on: February 24, 2016, 09:25:02 AM »
And when there are babyseats that fit those smaller vehicles available - why buy a big vehicle - unless you want it of course?

We did babies/parents with two smallish cars. We are still driving a 1st gen CR-V that took my wife to the hospital when she was in labor with child #1 and that same child will likely be occasionally driving that same CR-V later this year.

We've been told several times that we needed to buy something larger b/c of the baby and then child number two was coming along, and then the kids are growing and they won't fit in the backseat forever, and then that car is getting old, etc.

Still driving it. What worked for us then, still works for us now. Same car getting the job done.

Elliot

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Re: Overheard at Work
« Reply #12639 on: February 24, 2016, 09:43:34 AM »
My younger brother and I got toted around in an early Corolla until I was 15ish and the engine blew. We are not small people.

MgoSam

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Re: Overheard at Work
« Reply #12640 on: February 24, 2016, 10:42:18 AM »
I just spoke with the woman who manages the cell phone contracts for my company. A number of employees racked up >$1,000 cell phone bill for ONE month each for their own phone numbers. I think the highest ever was something on the order >$4,000 for ONE MONTH. No that's not a typo: $4K for 1 month. I am 29 years old and I don't think I've spend more than $1-2K over the course of my LIFE on cell phones & plans, nevermind spending that in one month.

When confronted, the users in question had the audacity to say that it was their right to run up a company cell phone bill that high and refused to change their usage.

A few years ago on deployment us plebs used prepaid mobiles whilst the HQ group had plan phones, when several of the higher ups ran multi $000 bills up they removed the prepaids from us and then complained they could not contact us.

They never stopped the high bills from occurring, never gave us the prepaids back and never stopped whinging about the lack of contact.

Reminds me of a line from Entourage, "Turtle has got a $1500 a month cellphone bill. You can get an unlimited plan for $200, get him an unlimited plan!"

mm1970

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Re: Overheard at Work
« Reply #12641 on: February 24, 2016, 10:44:53 AM »
Ha, this is a timely discussion.  My officemate is car shopping.  His wife is pregnant, due any day.

Quote today: "I feel like you can't even get a decent new car for under $45k.  And that doesn't sound like that much money, but $600 a month, that's a lot of money!"

We had quite the interesting conversation, because of course, $45k is a lot of money!  He said you can't even get a new Civic for under $30k (I swear my Civic was less than $20k 7 years ago so...)

Anyway, he's looking at trucks with a large cab to fit the baby.  He currently already has a large truck that would fit the baby in the back. I'm not sure whose car they are replacing.  Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."

And I said "And what if you have twins next time and need a third row??"  (Ha.  This happened to a friend who bought an SUV then had twins and could not fit 3 carseats in the SUV).

Anyway, I have to sit with him every day, so I didn't facepunch him.  But I did point out that my Matrix and Civic are just fine.  But he just pointed out that he drives a lot more and likes it.
Your CW is using the baby as an excuse to pile on more debt. New 2016 Civic LX starts just under $20k. I'm sure your CW wants the top-of-the-line with every feature and accessory.
My wife and I are raising 2 kids with a 2006 Civic and Accord, both LX trim. My neighbors, who make me look bad, are raising 2 boys with a 3-door base model Yaris and Matrix. My sister and her husband were raising a kid with an early 2000s BMW 3 series and a Jetta, forced to get a minivan when they had twins. So I get the utilitarian minivan thing.
But a truck to replace a truck... sure go ahead and contribute to one's own economic malaise, then holler and beg for a bailout/forgiveness.
A lot of my co-workers do the same thing to upgrade to a large truck or SUV when they're expecting a kid. But the co-worker drives the new vehicle, and doesn't use it for baby ride. Instead the spouse still has the old car and is tagged with the baby all day. So the new vehicle is for weekend excursions. Oy vey!
Ha, yes, we have an 06 Matrix and an 09 Civic. My CW is not at all Mustachian, so, what are you gonna do?  He's a decade younger than me, maybe he'll figure it out.

I think they are looking at replacing the wife's car (not sure what it is, but a sedan I assume).  But they are looking at SUVs and "she likes the Acura, which is even more expensive".

My husband has a coworker that leases for the same reason - he just figures his annual lease payment at $3000 and figures that this way he can replace each car with whatever he wants every few years.  I think my hubby calculated the annual cost (for the car and maintenance, not gas or insurance) for the Matrix at $2k approximately (so far anyway, it's almost 10 years old), but of course that doesn't factor in current value of the car.

Ah well.  I have a third friend who traded their 05 Matrix for a Hyundai SUV when they had kid #2, but now are pregnant with #3.  So will have 4,2, and infant.  Guess they better get the minivan.

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Re: Overheard at Work
« Reply #12642 on: February 24, 2016, 10:57:58 AM »
We are still driving a 1st gen CR-V that took my wife to the hospital when she was in labor with child #1 and that same child will likely be occasionally driving that same CR-V later this year.

That's awesome!

Tallgirl1204

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Re: Overheard at Work
« Reply #12643 on: February 24, 2016, 01:14:48 PM »
We are still driving a 1st gen CR-V that took my wife to the hospital when she was in labor with child #1 and that same child will likely be occasionally driving that same CR-V later this year.

That's awesome!

My dad bought a station wagon so my mom could drive herself to the hospital if she went into labor while he was at work.  My sister and I both learned to drive stick shift in that car. 

The CR-V that took me to the hospital to have my son will likely be the car he takes to college.  A good car is a good car...

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Re: Overheard at Work
« Reply #12644 on: February 24, 2016, 03:56:45 PM »
Not to rain on your parades, as it's all awesome.  But I must be getting too old, because I was reading about mid-2000 cars and thinking that's pretty new.  My park avenue is a '97 model, I think; and my daughter about to turn 16 has laid claim to it.

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Re: Overheard at Work
« Reply #12645 on: February 24, 2016, 03:57:24 PM »
Ha, this is a timely discussion.  My officemate is car shopping.  His wife is pregnant, due any day.

Quote today: "I feel like you can't even get a decent new car for under $45k.  And that doesn't sound like that much money, but $600 a month, that's a lot of money!"

We had quite the interesting conversation, because of course, $45k is a lot of money!  He said you can't even get a new Civic for under $30k (I swear my Civic was less than $20k 7 years ago so...)

Anyway, he's looking at trucks with a large cab to fit the baby.  He currently already has a large truck that would fit the baby in the back. I'm not sure whose car they are replacing.  Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."

And I said "And what if you have twins next time and need a third row??"  (Ha.  This happened to a friend who bought an SUV then had twins and could not fit 3 carseats in the SUV).

Anyway, I have to sit with him every day, so I didn't facepunch him.  But I did point out that my Matrix and Civic are just fine.  But he just pointed out that he drives a lot more and likes it.
Your CW is using the baby as an excuse to pile on more debt. New 2016 Civic LX starts just under $20k. I'm sure your CW wants the top-of-the-line with every feature and accessory.
My wife and I are raising 2 kids with a 2006 Civic and Accord, both LX trim. My neighbors, who make me look bad, are raising 2 boys with a 3-door base model Yaris and Matrix. My sister and her husband were raising a kid with an early 2000s BMW 3 series and a Jetta, forced to get a minivan when they had twins. So I get the utilitarian minivan thing.
But a truck to replace a truck... sure go ahead and contribute to one's own economic malaise, then holler and beg for a bailout/forgiveness.
A lot of my co-workers do the same thing to upgrade to a large truck or SUV when they're expecting a kid. But the co-worker drives the new vehicle, and doesn't use it for baby ride. Instead the spouse still has the old car and is tagged with the baby all day. So the new vehicle is for weekend excursions. Oy vey!

A sure sign they don't actually use the truck as a truck. They don't make half-ton 4 doors with an 8ft bed. Either they're going all the way to a huge 3/4 or 1 ton truck, or they are "upgrading" to a 4 door truck with a micro-bed.

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Re: Overheard at Work
« Reply #12646 on: February 24, 2016, 04:18:37 PM »

Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."


This guy's problem is that he's buying based on wants, not needs, and his wants change with every passing fad.

Unless someone in the family suffers an injury or illness that requires significant vehicle modification to allow them to drive, or there's a multiple birth in the family, this man's needs aren't going to change much over time. Not so with wants.

Wants are funny things. There's no upper limit to what a person can want, because wants don't cost anything to get, store, or maintain. There's no cost to exchange either. Getting rid of one want and replacing it with another doesn't result in a person giving up time, money, or other wants. So a person can flit about from one want to the next, desperately desiring it one day and feeling bland about it the next day. There's no harm in being frivolous in one's taste, as long as that frivolity doesn't lead to actually making commitments that tie up significant resources. The second we start putting real resources into satisfying a want, we need to be reasonably sure that we're going to keep wanting it after we have it.

Wanting something even after you have it, and preferring it over other similar things you don't have, is a sign of satisfaction. It sounds to me as though Lease Guy just isn't going to be satisfied with any car out there, because the grass will always be greener on the other side of some fence.

It would suck so badly to not be able to experience long-term satisfaction. Does this guy get to experience it in other areas of his life, or is chronic dissatisfaction just related to vehicles?
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mm1970

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Re: Overheard at Work
« Reply #12647 on: February 24, 2016, 04:47:24 PM »
Quote
Does this guy get to experience it in other areas of his life, or is chronic dissatisfaction just related to vehicles?

I dunno.  Just got married, having a baby, bought a house but...

You know, we live in a very expensive place and we work at a company that doesn't pay well.  And we are in an industry that isn't doing so great.  So...

If we lived somewhere else, we'd have enough money to spend it on "whatever" and save for retirement.  Bigger houses, cars, boats, whatever.

But here, you have to scrimp and save to get a small, shitty, old home in a crappy school district.

If we lived in the Bay Area, yeah, the housing situation would be worse but pay would be a whole lot better.

If we were in a different industry, our incomes would not be stagnant.

I don't have a feel for how happy vs. dissatisfied he is.  But I do see how he compares himself to "everyone else" - people who inherited money, people in software, people who work in finance, people who live elsewhere, people who bought at a better time, etc.  I guess it's a mid-30's crisis, when you realize that you aren't "all that" like you used to be.  You know, the whole American way of work hard and succeed and be the best.  But...there are a lot of factors in there that are hard to control.  (Like, who knew semiconductors was going to fall apart  decades ago?)

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Re: Overheard at Work
« Reply #12648 on: February 24, 2016, 07:31:47 PM »
Ha, this is a timely discussion.  My officemate is car shopping.  His wife is pregnant, due any day.

Quote today: "I feel like you can't even get a decent new car for under $45k.  And that doesn't sound like that much money, but $600 a month, that's a lot of money!"

We had quite the interesting conversation, because of course, $45k is a lot of money!  He said you can't even get a new Civic for under $30k (I swear my Civic was less than $20k 7 years ago so...)

Anyway, he's looking at trucks with a large cab to fit the baby.  He currently already has a large truck that would fit the baby in the back. I'm not sure whose car they are replacing.  Anyway, he's thinking about leasing because "I can't be sure with changes if I'm going to want the same car in 3 years.  I mean, with electric, and hybrids, and Teslas and..."

And I said "And what if you have twins next time and need a third row??"  (Ha.  This happened to a friend who bought an SUV then had twins and could not fit 3 carseats in the SUV).

Anyway, I have to sit with him every day, so I didn't facepunch him.  But I did point out that my Matrix and Civic are just fine.  But he just pointed out that he drives a lot more and likes it.
Your CW is using the baby as an excuse to pile on more debt. New 2016 Civic LX starts just under $20k. I'm sure your CW wants the top-of-the-line with every feature and accessory.
My wife and I are raising 2 kids with a 2006 Civic and Accord, both LX trim. My neighbors, who make me look bad, are raising 2 boys with a 3-door base model Yaris and Matrix. My sister and her husband were raising a kid with an early 2000s BMW 3 series and a Jetta, forced to get a minivan when they had twins. So I get the utilitarian minivan thing.
But a truck to replace a truck... sure go ahead and contribute to one's own economic malaise, then holler and beg for a bailout/forgiveness.
A lot of my co-workers do the same thing to upgrade to a large truck or SUV when they're expecting a kid. But the co-worker drives the new vehicle, and doesn't use it for baby ride. Instead the spouse still has the old car and is tagged with the baby all day. So the new vehicle is for weekend excursions. Oy vey!

A sure sign they don't actually use the truck as a truck. They don't make half-ton 4 doors with an 8ft bed. Either they're going all the way to a huge 3/4 or 1 ton truck, or they are "upgrading" to a 4 door truck with a micro-bed.

OOh - yes, they do, sort of.  My dad bought a new ford with 4 doors (he can afford it), but needs it for his company (kitchen cabinets), so bought the option with the flip out "long bed" tail gate cage.  You open the tailgate, and this cage folds over, and presto!  Long bed that is at least 2 ft longer.   Otherwise there is no way you could use that truck for grocery shopping in "normal" mode.

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Re: Overheard at Work
« Reply #12649 on: February 24, 2016, 08:37:29 PM »
On truck/SUV talk... I'm planning to do a little remodeling around here this summer and trying to figure out how to get materials moved.  Even though my wife has an SUV, I don't think it will fit the lumber/drywall I need.  Thinking of getting a used trailer.  Or try to borrow a neighbor's (motherf*cker leaves it on the street all the live-long day)