Author Topic: Overheard at Work  (Read 4762521 times)

arebelspy

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Re: Overheard at Work
« Reply #12600 on: February 18, 2016, 05:14:05 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

Wow. Something almost everyone takes for granted, and deciding they don't need it?  Minimalizing their possessions?  Selling an unused item?

Sounds Mustachian to me!

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Olive Branch

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Re: Overheard at Work
« Reply #12601 on: February 18, 2016, 05:59:10 PM »
I tried giving a savings/investment PowerPoint presentation to three of my co-workers and one of them kept complaining they simply couldn't save any money whatsoever, and that it was impossible. I didn't pry for details but if you're going to attend a retirement seminar where the focus is "save as much money as you can and invest the rest" why bother showing up?

serpentstooth

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Re: Overheard at Work
« Reply #12602 on: February 18, 2016, 06:10:55 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

Wow. Something almost everyone takes for granted, and deciding they don't need it?  Minimalizing their possessions?  Selling an unused item?

Sounds Mustachian to me!

;)

Ha. Except then you need to take into account that they eat every single meal out. Every. Single. Meal.

Which gets really tiring. When we were visiting I kept getting annoyed that you had to leave the house multiple times a day to get food.

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Re: Overheard at Work
« Reply #12603 on: February 18, 2016, 06:32:58 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

Wow. Something almost everyone takes for granted, and deciding they don't need it?  Minimalizing their possessions?  Selling an unused item?

Sounds Mustachian to me!

;)

Ha. Except then you need to take into account that they eat every single meal out. Every. Single. Meal.

Which gets really tiring. When we were visiting I kept getting annoyed that you had to leave the house multiple times a day to get food.

I have actually made hamburger buns, from scratch, because I was too lazy to pull on pants and walk 2 blocks to the store to buy some. Leaving the house for every single meal sounds like the WORST.

serpentstooth

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Re: Overheard at Work
« Reply #12604 on: February 18, 2016, 07:12:02 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

Wow. Something almost everyone takes for granted, and deciding they don't need it?  Minimalizing their possessions?  Selling an unused item?

Sounds Mustachian to me!

;)

Ha. Except then you need to take into account that they eat every single meal out. Every. Single. Meal.

Which gets really tiring. When we were visiting I kept getting annoyed that you had to leave the house multiple times a day to get food.

I have actually made hamburger buns, from scratch, because I was too lazy to pull on pants and walk 2 blocks to the store to buy some. Leaving the house for every single meal sounds like the WORST.

I have done exactly that before. I mean, you expect me to FIND socks, put them on, dress the baby in doll size outerwear, dress myself in outerwear, stick the baby in the stroller and all that before I even GO OUTSIDE. Forget it, I'll just bake.

dragoncar

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Re: Overheard at Work
« Reply #12605 on: February 18, 2016, 08:09:13 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

I'm confused. If they don't cook, what did they need that extra cabinet space for?

Disposible plates and cups, plastic flatware, thousands of packets of powdered Parmesan, red chili flakes, ketchup and dressing.  Two shelves of just take out menus.  One pineapple.

serpentstooth

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Re: Overheard at Work
« Reply #12606 on: February 18, 2016, 08:13:38 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

I'm confused. If they don't cook, what did they need that extra cabinet space for?

Disposible plates and cups, plastic flatware, thousands of packets of powdered Parmesan, red chili flakes, ketchup and dressing.  Two shelves of just take out menus.  One pineapple.

They don't believe in cheese, so definitely not parmesan. But I think they use it to store books, actually.

MgoSam

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Re: Overheard at Work
« Reply #12607 on: February 18, 2016, 08:20:13 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

I'm confused. If they don't cook, what did they need that extra cabinet space for?

Disposible plates and cups, plastic flatware, thousands of packets of powdered Parmesan, red chili flakes, ketchup and dressing.  Two shelves of just take out menus.  One pineapple.

They don't believe in cheese, so definitely not parmesan. But I think they use it to store books, actually.

Is Parmesan cheese? I thought it was just wood chips?

frugalnacho

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Re: Overheard at Work
« Reply #12608 on: February 18, 2016, 08:48:47 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

I'm confused. If they don't cook, what did they need that extra cabinet space for?

Disposible plates and cups, plastic flatware, thousands of packets of powdered Parmesan, red chili flakes, ketchup and dressing.  Two shelves of just take out menus.  One pineapple.

They don't believe in cheese, so definitely not parmesan. But I think they use it to store books, actually.

Cheese is a figment of the liberal media and the dairy industry.  Prove me wrong!

serpentstooth

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Re: Overheard at Work
« Reply #12609 on: February 18, 2016, 09:00:05 PM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

I'm confused. If they don't cook, what did they need that extra cabinet space for?

Disposible plates and cups, plastic flatware, thousands of packets of powdered Parmesan, red chili flakes, ketchup and dressing.  Two shelves of just take out menus.  One pineapple.

They don't believe in cheese, so definitely not parmesan. But I think they use it to store books, actually.

Cheese is a figment of the liberal media and the dairy industry.  Prove me wrong!

They're from a climate where dairy cultivation isn't really possible (far too hot), and it isn't really part of the traditional diet. And like 90% of East Asians, they're lactose intolerant. My FIL says cheese smells like rotten milk (which is basically is; it's just controlled rotting), and I think that it may be something hard to adjust to if you didn't grow up eating it.

Lyngi

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Re: Overheard at Work
« Reply #12610 on: February 18, 2016, 09:34:02 PM »
CW1's 23 year old son has always wanted a Toyota Truck.  This year he bought a 2015 Toyota Tundra for $37K.  This didn't include $4k for tax and fees, but did include a nice lift package.   Same CW's 25 year old son has always wanted a BMW.  Just bought a 2013 BMW for $25K, payment of $225 a month, which according to CW "shouldn't be too hard to make."   CW2, a little shocked, asked how long the loan term was for,  10 years?  These boys have jobs in internet sales. 
       I couldn't speak.  I'm having a hard time forking out $13K for a used Toyota Camry,  I prefer my cars closer to the $5K range and I make 100K per year.

mairuiming

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Re: Overheard at Work
« Reply #12611 on: February 18, 2016, 09:57:01 PM »
Yesterday, I had a very interesting conversation with a "financial planner" in a local bank.

FP: Sir, as per xyz report only 20% people save adequate amount for retirement in India. I would like to help you manage your investments so that you can retire comfortably.
Me: Thank you for your concern. Tell me more about your services
FP: At what age would you like to retire ?
Me: 45 (I am 32 now)
FP: 45 years to retirement ?
Me: No, at age of 45
FP: No one can retire at 45. You have to keep working longer to retire. Let me tell you about our great financial product (commission was 6% of fund value per year)

I ran so hard towards the door, security guards thought I have robbed the bank.

PS: I went to bank to close a dormant account and was caught by bank appointed financial planner. Main objective of the bank is to sell high commission products to unsuspecting customers in the name of "expert advice".

oneday

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Re: Overheard at Work
« Reply #12612 on: February 18, 2016, 11:14:16 PM »
Recently:

CW1 has been regaling us with her recent adventures.  An epic tale, involving: her old car died; daughter in another city has a spare car & gives it to CW1; extensive repairs not done on time, requiring 2 last-minute vacation days; more car problems on the 8-hour drive home; car works fine for a few days; car is back at the mechanic.  The story is still unfolding.

I applaud CW1 for taking the car for "free"! I think she's only paid for the bus ticket & the repairs.  She's probably getting off much cheaper than buying an equivalent car used.  The ridiculous part is, she lives so close to work that she is within the range of the free city shuttle!  While here cars have been in the shop, this is how she's gotten to work.  It stops, quite literally, right in front of our office.  But she drives every day :(

Here's the part that makes my hair stand on end.  CW2, after hearing the story: "Well, I guess now you have to get a new car!"

To be frank, CW1 has put so much effort into getting this car, I would be surprised if she got a different one (sunk cost fallacy).

*I don't buy them if they have under 100K miles...too expensive! :)
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coolistdude

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Re: Overheard at Work
« Reply #12613 on: February 19, 2016, 12:09:53 AM »
Yesterday, I had a very interesting conversation with a "financial planner" in a local bank.

FP: Sir, as per xyz report only 20% people save adequate amount for retirement in India. I would like to help you manage your investments so that you can retire comfortably.
Me: Thank you for your concern. Tell me more about your services
FP: At what age would you like to retire ?
Me: 45 (I am 32 now)
FP: 45 years to retirement ?
Me: No, at age of 45
FP: No one can retire at 45. You have to keep working longer to retire. Let me tell you about our great financial product (commission was 6% of fund value per year)

I ran so hard towards the door, security guards thought I have robbed the bank.

PS: I went to bank to close a dormant account and was caught by bank appointed financial planner. Main objective of the bank is to sell high commission products to unsuspecting customers in the name of "expert advice".

That last line is awful. Really, no one can retire at 45? Not even people making high six figures? I can only hope that the "FP" has nightmares of you retiring and telling all of his clients.
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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markbike528CBX

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Re: Overheard at Work
« Reply #12614 on: February 19, 2016, 02:04:50 AM »
Yesterday, I had a very interesting conversation with a "financial planner" in a local bank.
........
FP: No one can retire at 45. You have to keep working longer to retire. Let me tell you about our great financial product (commission was 6% of fund value per year)

I ran so hard towards the door, security guards thought I have robbed the bank.
.......

Sounds like a post for the "Mustachian People Problems" thread.   
Especially if there was hassle from the guards.

RWD

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Re: Overheard at Work
« Reply #12615 on: February 19, 2016, 06:55:16 AM »
FP: Sir, as per xyz report only 20% people save adequate amount for retirement in India. I would like to help you manage your investments so that you can retire comfortably.

This line is interest as according to this site the average household savings rate in India is 32%. Surely that means more than 20% are saving enough for retirement?

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Re: Overheard at Work
« Reply #12616 on: February 19, 2016, 07:22:34 AM »
My in-laws do not cook. As in, they sold their stove and put a cabinet in instead.

Wow. Something almost everyone takes for granted, and deciding they don't need it?  Minimalizing their possessions?  Selling an unused item?

Sounds Mustachian to me!

;)

Ha. Except then you need to take into account that they eat every single meal out. Every. Single. Meal.

Which gets really tiring. When we were visiting I kept getting annoyed that you had to leave the house multiple times a day to get food.

In my road warrior days (living in a 1 bedroom apartment) I would have gladly traded the stove for a washer and dryer, in fact I even tried negotiating this with the leasing office.  I never cooked on the 4-6 days a month I was home as it was easier to just get take out and not let things spoil.  Luckily I lived in a large city where there were several stores/markets that catered to take out, so I could get pizza, steak, a salad, chicken, whatever I wanted they had it, cooked it, and was ready to go!

frugalnacho

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Re: Overheard at Work
« Reply #12617 on: February 19, 2016, 07:28:35 AM »
FP: Sir, as per xyz report only 20% people save adequate amount for retirement in India. I would like to help you manage your investments so that you can retire comfortably.

This line is interest as according to this site the average household savings rate in India is 32%. Surely that means more than 20% are saving enough for retirement?

The guy was selling investments with a 6% yearly commission.  Everything coming out of his mouth should be considered unreliable garbage.

plainjane

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Re: Overheard at Work
« Reply #12618 on: February 19, 2016, 07:43:26 AM »
thousands of packets of powdered Parmesan

I'm obviously going to the wrong places.  I've never seen packets of powdered "parm". 

I once brought deli-grated parm to keep in the work fridge.  People feel much more comfortable using that on their own lunches than they did going into my stash of rice cakes, peanut butter or oatmeal, so I didn't do that again.
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RWD

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Re: Overheard at Work
« Reply #12619 on: February 19, 2016, 08:00:28 AM »
FP: Sir, as per xyz report only 20% people save adequate amount for retirement in India. I would like to help you manage your investments so that you can retire comfortably.

This line is interest as according to this site the average household savings rate in India is 32%. Surely that means more than 20% are saving enough for retirement?

The guy was selling investments with a 6% yearly commission.  Everything coming out of his mouth should be considered unreliable garbage.

Good point.

maco

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Re: Overheard at Work
« Reply #12620 on: February 19, 2016, 08:55:56 AM »
Speaking of onions, is anyone else pissed off that recipes requiring caramelized onions seem to say it takes 10 - 20 minutes to caramelize onions?

I get that they are trying to not scare off people by listing long cook times, but be real. You're probably not caramelizing onions properly in under 40 minutes even cheating with flour. I do it for as long as I have time to occasionally stir and add water... an hour, an hour and a half, two hours, whatever. The longer the tastier.
Yeah, they really just mean brown them. I've heard the way to go is to put an entire bag worth of onions in the slow cooker overnight, then freeze the resulting carmelized onions.

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Re: Overheard at Work
« Reply #12621 on: February 19, 2016, 09:01:34 AM »
I'm obviously going to the wrong places.  I've never seen packets of powdered "parm".
Powdered cellulose, more like. That shit is disgusting.

Quote
I once brought deli-grated parm to keep in the work fridge.  People feel much more comfortable using that on their own lunches than they did going into my stash of rice cakes, peanut butter or oatmeal, so I didn't do that again.

They probably thought of it is a condiment, and those are often fair game. I even label mine for breakroom sharing. Still kinda fucked up tho.
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Kitsune

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Re: Overheard at Work
« Reply #12622 on: February 19, 2016, 10:16:46 AM »
Speaking of onions, is anyone else pissed off that recipes requiring caramelized onions seem to say it takes 10 - 20 minutes to caramelize onions?

I get that they are trying to not scare off people by listing long cook times, but be real. You're probably not caramelizing onions properly in under 40 minutes even cheating with flour. I do it for as long as I have time to occasionally stir and add water... an hour, an hour and a half, two hours, whatever. The longer the tastier.
Yeah, they really just mean brown them. I've heard the way to go is to put an entire bag worth of onions in the slow cooker overnight, then freeze the resulting carmelized onions.

I use the oven! 10lb bag of onions through the food processor, into a large casserole dish (or 2...), drizzle with oil or butter, put into oven, stir every 20 minutes or so. This WILL make your kitchen smell like onions for a good 24 hours, but if you then freeze the resulting caramelized onions, that's a good few months of luxurious burger toppings, caramelized onion and goat cheese pizzas, etc... For about 3$ and 2 hours. :)


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Re: Overheard at Work
« Reply #12623 on: February 19, 2016, 10:35:43 AM »
Speaking of onions, is anyone else pissed off that recipes requiring caramelized onions seem to say it takes 10 - 20 minutes to caramelize onions?

I get that they are trying to not scare off people by listing long cook times, but be real. You're probably not caramelizing onions properly in under 40 minutes even cheating with flour. I do it for as long as I have time to occasionally stir and add water... an hour, an hour and a half, two hours, whatever. The longer the tastier.
Yeah, they really just mean brown them. I've heard the way to go is to put an entire bag worth of onions in the slow cooker overnight, then freeze the resulting carmelized onions.

I use the oven! 10lb bag of onions through the food processor, into a large casserole dish (or 2...), drizzle with oil or butter, put into oven, stir every 20 minutes or so. This WILL make your kitchen smell like onions for a good 24 hours, but if you then freeze the resulting caramelized onions, that's a good few months of luxurious burger toppings, caramelized onion and goat cheese pizzas, etc... For about 3$ and 2 hours. :)

throw a bunch in the crockpot and freeze. 
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RyanAtTanagra

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Re: Overheard at Work
« Reply #12624 on: February 19, 2016, 11:23:15 AM »
Speaking of onions, is anyone else pissed off that recipes requiring caramelized onions seem to say it takes 10 - 20 minutes to caramelize onions?

I get that they are trying to not scare off people by listing long cook times, but be real. You're probably not caramelizing onions properly in under 40 minutes even cheating with flour. I do it for as long as I have time to occasionally stir and add water... an hour, an hour and a half, two hours, whatever. The longer the tastier.
Yeah, they really just mean brown them. I've heard the way to go is to put an entire bag worth of onions in the slow cooker overnight, then freeze the resulting carmelized onions.

I use the oven! 10lb bag of onions through the food processor, into a large casserole dish (or 2...), drizzle with oil or butter, put into oven, stir every 20 minutes or so. This WILL make your kitchen smell like onions for a good 24 hours, but if you then freeze the resulting caramelized onions, that's a good few months of luxurious burger toppings, caramelized onion and goat cheese pizzas, etc... For about 3$ and 2 hours. :)

throw a bunch in the crockpot and freeze.

I don't think that's good for the crockpot.  Also very space inefficient.

teen persuasion

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Re: Overheard at Work
« Reply #12625 on: February 19, 2016, 11:49:17 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.

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Re: Overheard at Work
« Reply #12626 on: February 19, 2016, 04:50:39 PM »

Most meats need a quick sear to seal the flavour  in activate the Maillard reaction before cooking. Lean meats (turkey) need oil (butter, bacon) on them to prevent drying out. Stuff stuck into meat (garlic cloves) will mush-ify to add flavour as the meat cooks.


mairuiming

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Re: Overheard at Work
« Reply #12627 on: February 19, 2016, 05:27:05 PM »

This line is interest as according to this site the average household savings rate in India is 32%. Surely that means more than 20% are saving enough for retirement?

Yes, household saving rate is quite high in India.
However, savings are split for 3 generations.

a) Most people in my generation (age 25-40) support parents in their retirement (my parents generations spend almost everything to raise kids, we are grateful for this)
b) Save for our retirement
c) Save for our child's college education, etc. (Indians feel that children should not make a career choice based on lack of funds. Aah, I will flip burgers because I cant afford college education. If child really wants to attend abc college, then parents will support these expenses, and we save for this.)

Saving for 3 generation at times results in insufficient savings for our retirement.

iwasjustwondering

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Re: Overheard at Work
« Reply #12628 on: February 19, 2016, 05:36:09 PM »
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.

Ehh, baking is somewhere in the middle. You can futz with things slightly, but not completely. Like for chocolate chip cookies, you can add orange instead of vanilla (which is yummy, by the way). You can use more or less fat or change the kind of fat you use or even how you order the ingredients (will impact how crispy/soft and the size of the cookies). What you can't do, though, is change the ratio between liquid and solid.

I disagree.  I add a few tablespoons of extra flour to chocolate chip cookies.  It makes them less greasy, and softer.  I do agree on the orange extract instead of vanilla.  I've tried that one, too, and it's awesome. 

aFrugalFather

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Re: Overheard at Work
« Reply #12629 on: February 19, 2016, 05:45:39 PM »
I agree with the oft cited phrase that cooking is an art and baking is a science. 

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Re: Overheard at Work
« Reply #12630 on: February 19, 2016, 06:13:29 PM »

Most meats need a quick sear to seal the flavour  in activate the Maillard reaction before cooking. Lean meats (turkey) need oil (butter, bacon) on them to prevent drying out. Stuff stuck into meat (garlic cloves) will mush-ify to add flavour as the meat cooks.


You can also sear AFTER stewing, which has its advantages.

http://www.seriouseats.com/2014/12/the-food-lab-reverse-sear-beef-tenderloin-filet-mignon.html

Also, now I want a really good steak.

UnleashHell

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Re: Overheard at Work
« Reply #12631 on: February 20, 2016, 05:42:42 AM »

Most meats need a quick sear to seal the flavour  in activate the Maillard reaction before cooking. Lean meats (turkey) need oil (butter, bacon) on them to prevent drying out. Stuff stuck into meat (garlic cloves) will mush-ify to add flavour as the meat cooks.


You can also sear AFTER stewing, which has its advantages.

http://www.seriouseats.com/2014/12/the-food-lab-reverse-sear-beef-tenderloin-filet-mignon.html

Also, now I want a really good steak.

one of the best steaks I ever had was one I smoked and then seared.
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serpentstooth

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Re: Overheard at Work
« Reply #12632 on: February 20, 2016, 09:09:11 AM »

Most meats need a quick sear to seal the flavour  in activate the Maillard reaction before cooking. Lean meats (turkey) need oil (butter, bacon) on them to prevent drying out. Stuff stuck into meat (garlic cloves) will mush-ify to add flavour as the meat cooks.


You can also sear AFTER stewing, which has its advantages.

http://www.seriouseats.com/2014/12/the-food-lab-reverse-sear-beef-tenderloin-filet-mignon.html

Also, now I want a really good steak.

one of the best steaks I ever had was one I smoked and then seared.

I am really tempted to go to the fancy butcher and splurge on a Chateubriand and do it for dinner this week, but Mr. Tooth likes his meat well done (ewwwww), so forget it.

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Re: Overheard at Work
« Reply #12633 on: February 20, 2016, 10:10:51 AM »
Speaking of onions, is anyone else pissed off that recipes requiring caramelized onions seem to say it takes 10 - 20 minutes to caramelize onions?

I get that they are trying to not scare off people by listing long cook times, but be real. You're probably not caramelizing onions properly in under 40 minutes even cheating with flour. I do it for as long as I have time to occasionally stir and add water... an hour, an hour and a half, two hours, whatever. The longer the tastier.
Yeah, they really just mean brown them. I've heard the way to go is to put an entire bag worth of onions in the slow cooker overnight, then freeze the resulting carmelized onions.

I use the oven! 10lb bag of onions through the food processor, into a large casserole dish (or 2...), drizzle with oil or butter, put into oven, stir every 20 minutes or so. This WILL make your kitchen smell like onions for a good 24 hours, but if you then freeze the resulting caramelized onions, that's a good few months of luxurious burger toppings, caramelized onion and goat cheese pizzas, etc... For about 3$ and 2 hours. :)

throw a bunch in the crockpot and freeze.

I don't think that's good for the crockpot.  Also very space inefficient.

I flew by this first. That's funny.

madmax

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Re: Overheard at Work
« Reply #12634 on: February 21, 2016, 01:08:30 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:

ender

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Re: Overheard at Work
« Reply #12635 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 #12636 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 #12637 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 #12638 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 #12639 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 #12640 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 #12641 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 #12642 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 #12643 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 #12644 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 #12645 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 #12646 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.

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

KodeBlue

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Re: Overheard at Work
« Reply #12647 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 #12648 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 #12649 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/