Author Topic: Overheard at Work  (Read 4929495 times)

amyable

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Re: Overheard at Work
« Reply #1300 on: January 03, 2014, 01:33:52 PM »
This is not "overheard at work," but I thought you might appreciate the insanity:

I just heard that a woman I used to work with had her house go into foreclosure recently.  When we were working together a year ago, she:

-  Bought a Starbucks latte and some sort of oatmeal bowl thing from there for herself and a hot cocoa for her eldest son EVERY DANG DAY!
-  Drove a giant Tahoe everywhere.
-  Joked about how she hated cooking and constantly ate out...with her husband and three children. 
-  Once told me she owned over 50 pairs of shoes.
-  Once told me she admired me, because I had "favorite" outfits that I wore often, whereas she "felt weird repeating the same outfit."
-  Had fake nails, which I assume require some maintenance.
-  Lived in a brand-spanking new house in a moderately ritzy subdivision with a cleaner and lawn guy that came every week.

She ate lunch with us, and we always wondered if maybe her husband's business was just doing really, really well?  She's a teacher, but her husband operates a small business (not in an industry I would typically see as making a lot of money, but I guess it's possible?)

I hate gossiping, but this woman was truly horrible in a lot of other ways as well (very egocentric and narrow-minding, not to mention condescending and racist). 

wauske

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Re: Overheard at Work
« Reply #1301 on: January 03, 2014, 01:58:37 PM »
Hearing stuff like this makes me crazy. We are seriously screwed in the US when these people are wanting to retire and they will have nothing to speak of.

I think that, in the end, they are just screwing themselves and complaining about it to everyone who has ears that the government was the cause etc. Eventually these types will only screw themselves over and there is nothing you can do until they flip a switch...

I also had a funny encounter at work (at least I think it was ;)), we received an e-mail from HR that salary payment would be delayed due to a technical problem at the bank. It would not arrive before X-mas but after. Then they offered to payout a cash max. for those that couldn't make it otherwise.
I didn't think much of it but then a someone sent a reply-to-all in the company that the cash advance would be very much appreciated... Ooops...

(eventualy the payment came through anyway and was deposited the 23rd I think)
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pdxbator

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Re: Overheard at Work
« Reply #1302 on: January 03, 2014, 02:08:58 PM »
we received an e-mail from HR that salary payment would be delayed due to a technical problem at the bank. It would not arrive before X-mas but after. Then they offered to payout a cash max. for those that couldn't make it otherwise.

It's funny you should mention that. Today was pay day and I totally forgot. I manage to save a lot and a single pay day isn't critical to my living. However there is one person who makes the same salary as me who practically salivates when he gets his pay stub because his account will be flush for going out to expensive dinners.
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wauske

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Re: Overheard at Work
« Reply #1303 on: January 03, 2014, 02:23:18 PM »
I would most likely never miss a payday :P I keep tabs on my account through my smartphone, both for suspicious transactions and others. When payday arrives I then calculate my fixed expenses for the rest of the month, put a snip of it on my savings account (1.1% interest vs none on my checking account) and then use the rest a principal payment for my mortgage.

It's a great method to keep myself in check but also I'd shove my phone in their faces when someone insists I can join them (drinking, eating out etc.) *See, I've only got 62 until payday so I can't go out to dinner with you*...
Everything I say is my personal opinion which is based on my subjective experience.

Accountess

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Re: Overheard at Work
« Reply #1304 on: January 03, 2014, 02:56:32 PM »
"Budgets are for poor people"


I work in an office full of accountants. We see the inner workings of people's financial lives. We should be smarter than this.

rocksinmyhead

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Re: Overheard at Work
« Reply #1305 on: January 03, 2014, 03:33:32 PM »
I would most likely never miss a payday :P I keep tabs on my account through my smartphone, both for suspicious transactions and others. When payday arrives I then calculate my fixed expenses for the rest of the month, put a snip of it on my savings account (1.1% interest vs none on my checking account) and then use the rest a principal payment for my mortgage.

It's a great method to keep myself in check but also I'd shove my phone in their faces when someone insists I can join them (drinking, eating out etc.) *See, I've only got 62 until payday so I can't go out to dinner with you*...

I was just going to say, well, I also salivate when I see a pay stub, but only because I do the same thing you do (subtract out expenses til the next payday) and then throw the rest at my highest-interest student loan :)

ny.er

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Re: Overheard at Work
« Reply #1306 on: January 03, 2014, 04:36:06 PM »
some of these stories are really sad. I live in NY and we pay humongous public school taxes. But my kids had a mandatory class in their senior year of high school that may have made my tax bill worth it all on its own. The class taught basic money management skills. Among other things, my daughter was taught that credit card debt is evil, and my son was really impressed with a chart showing how if he started saving early (he was 16 at the time), how much better he'd do than waiting until later to save, and he started a ROTH IRA. They aren't perfect with money, but at least they have SOME idea how to manage and budget (and I nag a lot about it too).

Melody

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Re: Overheard at Work
« Reply #1307 on: January 04, 2014, 03:36:15 AM »
An ex co-worker who was making about $70k before tax, bought a $70k car (Nissan 370Z) on a 5 year loan while living at home with her parents (age 27) because renting was "too expensive." She could have bought a lightly used 350z for about $30k... and paid rent on half a house (assuming she would share with one friend), in a good neighborhood for the next four years with the remainder!!! (In our city a small house/large apartment  in a nice area can be rented for $20k/year.)

I'd rather stand on my own two feet than own a sports car any day - especially as by the time she is done paying for the car (which with interest she'll pay over $100k for) she will be 32, the car will be worth $30k and she will be WAY too old to still be at home!

Fireman

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Re: Overheard at Work
« Reply #1308 on: January 04, 2014, 07:20:02 AM »
Not overheard, but directly discussed.  Another co-worker told me the family will be out of debt in 5-years.  I hooked them up with MMM and they dug into their finances something fierce!  They are so excited to tell me what they found that was being wasted and how they killed so many bills and fees.  I see great success in their family finances over the next few years - they are in their early 30's.

This post made me smile! It's so awesome when you cast a line out and get a solid bite! Kudos to you for helping to create a new mustache!

iris lily

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Re: Overheard at Work
« Reply #1309 on: January 04, 2014, 08:28:39 AM »
You guys complaining that you *need* a cleaning service do realize this is MMM, right?

I am new here, but it seems horribly against the idea of self-sufficiency and frugality to pay someone else to clean my house.  It also seems a little strange to try to justify it on a site dedicated to monetary badassity.  Just saying...

I am no where near a 50% savings rate yet, but even I don't have the luxury of being able to cut a cleaning service.  this seems like an amazing opportunity for you guys.  Cut the service, and simultaneously increase your savings and cut your expenses.  Your future, retired self will probably thank you.

One of the tenants of simple living is to adjust your spending to your values. At one point I valued a clean house every two weeks more than my life energy working to pay for it.

I shop at thrift stores (when I have to shop) and drive 15 year old cars and so seldom go out to dinner that we are considered weird by our friends so that I can have the luxuries I want--and one of those luxuries was a house cleaner for a couple of years. That's what I valued.

I had a house cleaner to keep the filth at bay so that I could play in my gardens, and do heavy work there as well. From March - June we are crazy busy outside. During the months of November through February I could easily do housework but I did not want to lay off my housekeeper during those months, I would not get him back. and Gardening is better exercise than housecleaning so it's a better exchange of labor for me.

Housecleaning bores me to death. I always say: Anyone can clean my house to my satisfaction, I am not picky. I don't care. But NO ONE CAN TOUCH MY GARDEN because I am VERY picky about the work done on it. Only *I* can do the work properly.
« Last Edit: January 04, 2014, 08:30:44 AM by iris lily »

Abe

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Re: Overheard at Work
« Reply #1310 on: January 04, 2014, 09:05:26 AM »
$70k for a car! Wow! I'm sure she will still be complaining about her credit card bills and/or student loans at age 32.

Dibbels81

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Re: Overheard at Work
« Reply #1311 on: January 04, 2014, 09:56:05 AM »
I worked at a casino in Las Vegas for about 10 years before recently moving on to bigger and better things.  I witnessed some of the most amusing and egregious displays of financial incompetence imaginable.  For instance, our company had no direct deposit, so my coworkers, who had Friday off, would drive in and wait in our green room for corporate to arrive with the checks.  They literally would have a 'paycheck party', with pizza and beverages, and would clap and cheer when the checks finally arrived, followed by a mad dash to deposit them at the bank (or cash them at the casino cage) to pay for their expensive car that they they needed to drive to work so they could pick up their check.

Daleth

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Re: Overheard at Work
« Reply #1312 on: January 04, 2014, 10:10:45 AM »
some of these stories are really sad. I live in NY and we pay humongous public school taxes. But my kids had a mandatory class in their senior year of high school that may have made my tax bill worth it all on its own. The class taught basic money management skills. Among other things, my daughter was taught that credit card debt is evil, and my son was really impressed with a chart showing how if he started saving early (he was 16 at the time), how much better he'd do than waiting until later to save, and he started a ROTH IRA. They aren't perfect with money, but at least they have SOME idea how to manage and budget (and I nag a lot about it too).

That's fantastic! Everyone should have such a class in their schools!

Zamboni

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Re: Overheard at Work
« Reply #1313 on: January 04, 2014, 10:34:19 AM »
$70K for a new car? Good grief, that's so sad.  My last car cost just 5% of that, paid in cash with no loan, and I do NOT live with my parents.  If my kids ever do that (live with me and buy a $70K new car), then they will drive right back to the car dealership to give the keys back or find their own place to live.

Quote
"Budgets are for poor people"

 . . . and for Fortune 500 companies.

Here's one that I've heard a couple of times over lunch from two guys who were complaining about the rising cost of college and how they will need massive financial aid or their kids will be out of luck. 
Me: "Well you have lots of time if you start now, so you could also open up a 529 plan and you'll have 10 years to save.  That's what I did.  Even if you only put in $100 a month it would add up and help."
CW1: "You should not invest in 529 plans because you don't know if your kids will even want to go to college."
CW2: "Yeah, it's much better to have other types of investments.  I would never open one of those."
Me:  . . . (silently take a bite of the sandwich I brought from home.)

Ummm, okay, I'll buy that viewpoint about more flexible investments to some extent.  But weren't we talking about paying for college?

CW1 complains about his small apartment and laments that he will never even be able to save up enough to buy a house-which is unfathomable to me since I know what we all make which is plenty to buy a house.  Neither of them have ANY investments at all other than what our employer is putting in their retirement funds (in our case they just put in and employees don't have to ante up to get the employer contribution.)  Both sometimes complain about being buried in credit card debt and CW2 has admitted he has less than 2K saved otherwise; considerably less than his credit card debt. 

Mostly when financial talk comes around I just let them commiserate and keep my ideas to myself.  Because really they are just justifying that they don't save for college by blasting the particular investment mechanism as unwise.  I'm not sure how they justify their overall lack of saving while they meanwhile spend money on all sorts of frivolous shit (fancy resort trips, tablets/ipads for everyone in the family, gaming systems, etc.)

Ed Mills

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Re: Overheard at Work
« Reply #1314 on: January 04, 2014, 12:22:59 PM »
Thanks guys, I just read all of these stories and now want to jump off a building!  The range of human behavior is fascinating...
Became a SWAMI at age 45 and took first break from teaching at age 48.  Not bad for a guy with no car and a net worth of -$40k at age 33.  Now selfishly-employed educator who blogs at:  The Millionaire Educator / $500k in 4.5 Years / My Trillionaire Plan / 2017 Free Money!

Weestashian

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Re: Overheard at Work
« Reply #1315 on: January 04, 2014, 05:50:14 PM »
Having cats put down so you can live in a nice flat is so sad.  I think a person would have to be a psychopath to be so ruthless.

Agreed, that is seriously sick. I easily spent an extra month looking for an apartment that allowed pets, and I paid an extra damage deposit. The whole ordeal cost me over 1.5k after all the time spent in a motel*, and putting them down still never occurred to me. I didn't even want to give them to a shelter, I love them way to much. Furbabies are family, not toys to dispose of as needed!

What's the point of even having pets if you care about them so little?

(*I had an apartment picked out online, had called the building manager and talked about renting the apartment, and we had agreed to meet the day I got there to sign the lease. When I was in the lobby I met another tenant, and it turned out there was a huge bedbug infestation that the building owners were refusing to do anything about.)

Abe

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Re: Overheard at Work
« Reply #1316 on: January 04, 2014, 07:11:26 PM »
I'm not sure how they justify their overall lack of saving while they meanwhile spend money on all sorts of frivolous shit (fancy resort trips, tablets/ipads for everyone in the family, gaming systems, etc.)

Because they expect the tab to be picked up by people who did save appropriately. When this is not enough to continue their extravagant spending in retirement, they will then complain about how those same people should be taxed on their savings. Median savings in people approaching retirement in US is about $100k. I am guessing it's going to be a mess, and we'll end up paying for it.  <done with rant>

AlmostIndependent

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Re: Overheard at Work
« Reply #1317 on: January 04, 2014, 08:23:42 PM »
I'm not sure how they justify their overall lack of saving while they meanwhile spend money on all sorts of frivolous shit (fancy resort trips, tablets/ipads for everyone in the family, gaming systems, etc.)

Because they expect the tab to be picked up by people who did save appropriately. When this is not enough to continue their extravagant spending in retirement, they will then complain about how those same people should be taxed on their savings. Median savings in people approaching retirement in US is about $100k. I am guessing it's going to be a mess, and we'll end up paying for it.  <done with rant>

I would be willing to bet that the vast majority don't expect anything. I bet the thought that they will need to pay for retirement hasn't even crossed their mind.
In the path of our happiness shall we find the learning for which we have chosen this lifetime.

voidmain

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Re: Overheard at Work
« Reply #1318 on: January 05, 2014, 01:12:26 PM »
I've got a different type of situation, but still shameful and thus worthy of this thread I think:

One of my coworkers, who makes at least $100k and doesn't live too lavishly (single, no mortgage, has roommates), has told me that he doesn't really do any investing because he "doesn't want to think about it" and "wants someone else to figure it out for him." He doesn't take advantage of any tax-advantaged options (our 401k doesn't match, but its still worth it for the tax savings) or do any real taxable investing, so he is probably piling up $2k+/month in his bank account earning <1% interest during a year where the S&P 500 was up nearly 30%. And this doesn't seem to bother him (!?!?)

calcsam

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Re: Overheard at Work
« Reply #1319 on: January 05, 2014, 09:46:18 PM »
@voidmain -- I bet you could put it into an index mutual fund for 20mins on the computer. Alternately, say you'll manage his money in return for 20% of the difference between what he would make in the savings account, then repeat above :)

Reepekg

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Re: Overheard at Work
« Reply #1320 on: January 05, 2014, 10:35:19 PM »
he doesn't really do any investing because he "doesn't want to think about it" and "wants someone else to figure it out for him."

Seriously. I can be that someone else... for a cut.
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kittenstache

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Re: Overheard at Work
« Reply #1321 on: January 06, 2014, 10:48:28 AM »
Never ending financial stupidity from my co-workers:

Eating out EVERYDAY at lunch! Hello, you make $11 per hour and you spent more than that on fast food! Plus, you're overweight and constantly bitching how you need to lose weight!

Paycheck-to-paycheck employee (a single mother of 3 who says she has no savings, no credit, and will "work until I die") spends $600 on concert tickets for her daughter, "since she really likes One Direction"!

Another employee who constantly says she 's "poor", finances a massive new pick-up truck, which she uses to drive to and from work and haul her kids around.

I could go on. I have tried to make subtle suggestions to my co-workers about their spendy ways, but I just get a lot of flack. "You make a lot more money than most of us (which is true) and you don't have kids (which is also true), so you don't know how hard it is!"

AlmostIndependent

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Re: Overheard at Work
« Reply #1322 on: January 06, 2014, 02:51:07 PM »
I have tried to make subtle suggestions to my co-workers about their spendy ways, but I just get a lot of flack. "You make a lot more money than most of us (which is true) and you don't have kids (which is also true), so you don't know how hard it is!"

I get that all the time. "You don't have a wife and kids, of course you have plenty of money."
In the path of our happiness shall we find the learning for which we have chosen this lifetime.

Rural

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Re: Overheard at Work
« Reply #1323 on: January 06, 2014, 11:39:19 PM »
I've got one, literally overheard as I was walking past an office: "We got paid two weeks early, so I'll run out of money two weeks early."

We get the same amount every month. It's true, last month we were paid in mid-December, but I can't imagine this coworker was unable to anticipate that there would be ~ four weeks in the month of January...

HappierAtHome

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Re: Overheard at Work
« Reply #1324 on: January 06, 2014, 11:44:23 PM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

Tempe

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Re: Overheard at Work
« Reply #1325 on: January 06, 2014, 11:51:43 PM »
Coworker - I'm having trouble making my rent, it's 2000$ and about to go higher with heating costs. Me- I only make 2000$ a month... o.O

Bruised_Pepper

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Re: Overheard at Work
« Reply #1326 on: January 06, 2014, 11:58:37 PM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

That's not so bad if the new strategy is "not buy any lotto tickets."  However, my Peppy-Sense is telling me that it wasn't. 

HappierAtHome

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Re: Overheard at Work
« Reply #1327 on: January 07, 2014, 12:27:10 AM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

That's not so bad if the new strategy is "not buy any lotto tickets."  However, my Peppy-Sense is telling me that it wasn't. 

He's just told me that he's buying more tickets this year "because he really wants to get rich".

Bruised_Pepper

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Re: Overheard at Work
« Reply #1328 on: January 07, 2014, 12:34:21 AM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

That's not so bad if the new strategy is "not buy any lotto tickets."  However, my Peppy-Sense is telling me that it wasn't. 

He's just told me that he's buying more tickets this year "because he really wants to get rich".

"How to Get Rich"
by Your Coworker

1) Throw your money away
2) Repeat every week
3) If desired results are not achieved, repeat every day
DONE

HappierAtHome

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Re: Overheard at Work
« Reply #1329 on: January 07, 2014, 01:12:12 AM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

That's not so bad if the new strategy is "not buy any lotto tickets."  However, my Peppy-Sense is telling me that it wasn't. 

He's just told me that he's buying more tickets this year "because he really wants to get rich".

"How to Get Rich"
by Your Coworker

1) Throw your money away
2) Repeat every week
3) If desired results are not achieved, repeat every day
DONE

That is the strategy of all my coworkers, friends and family, except some of my in-laws (and, thank god, my partner).

Not overheard at work, but said directly to me at Christmas by a family member: you should buy a thermomix because I bet you have the space on your credit card now, but after you have kids all your cards will be maxed out and you won't be able to buy one.

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Re: Overheard at Work
« Reply #1330 on: January 07, 2014, 01:28:22 AM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

That's not so bad if the new strategy is "not buy any lotto tickets."  However, my Peppy-Sense is telling me that it wasn't. 

He's just told me that he's buying more tickets this year "because he really wants to get rich".

"How to Get Rich"
by Your Coworker

1) Throw your money away
2) Repeat every week
3) If desired results are not achieved, repeat every day
DONE

That is the strategy of all my coworkers, friends and family, except some of my in-laws (and, thank god, my partner).

Not overheard at work, but said directly to me at Christmas by a family member: you should buy a thermomix because I bet you have the space on your credit card now, but after you have kids all your cards will be maxed out and you won't be able to buy one.
That is a fascinating and quite concerning misunderstanding on their part of how credit cards work.

lithy

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Re: Overheard at Work
« Reply #1331 on: January 07, 2014, 08:52:47 AM »
Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

Doesn't he know he should keep playing the same numbers, then every time they don't pick his numbers, his odds will get better!

I bet he won't even have to play for 20 more years to win once!

;)

Half-Borg

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Re: Overheard at Work
« Reply #1332 on: January 07, 2014, 09:57:24 AM »
it is very common the win the lottery, I myself know at least 3 people who did win like 17 bucks on several occasions!

AlmostIndependent

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Re: Overheard at Work
« Reply #1333 on: January 07, 2014, 01:37:02 PM »
it is very common the win the lottery, I myself know at least 3 people who did win like 17 bucks on several occasions!

I won my $1 back once. *prepares for facepunch for buying in the first place*
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Insanity

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Re: Overheard at Work
« Reply #1334 on: January 07, 2014, 01:45:17 PM »
There is nothing wrong with the lottery as long as it:
1) Is not impacting your FI
2) You are really not depending on it for your retirement (I joke about it, but the reality is that I am not)

Jamesqf

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Re: Overheard at Work
« Reply #1335 on: January 07, 2014, 01:53:49 PM »
Not overheard at work, but said directly to me at Christmas by a family member: you should buy a thermomix because...

I might understand that better if I had the slightest effing clue as to what a thermomix was. 

See, ignorance can not only be bliss, but can lead one into inadvertent mustachianism :-)

CommonCents

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Re: Overheard at Work
« Reply #1336 on: January 07, 2014, 02:09:26 PM »
it is very common the win the lottery, I myself know at least 3 people who did win like 17 bucks on several occasions!

I won my $1 back once. *prepares for facepunch for buying in the first place*

Make it 5 people!  I played twice, buying two tickets each time and won once (which paid $4, covering both tickets that time I think).

The Bearded Bank Builder

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Re: Overheard at Work
« Reply #1337 on: January 07, 2014, 02:17:09 PM »
it is very common the win the lottery, I myself know at least 3 people who did win like 17 bucks on several occasions!

I won my $1 back once. *prepares for facepunch for buying in the first place*

My wife and I give ourselves a $10 budget to get the other one christmas gifts, usually we get some really goofy from a gas-stop and/or homemade stuff. This year my wife got me two $5 scratchers, and I won $50! That will cover my x-mas gifts to her for the next 5 years ;)

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Re: Overheard at Work
« Reply #1338 on: January 07, 2014, 02:50:06 PM »
I might understand that better if I had the slightest effing clue as to what a thermomix was.
It's a US $1000 uber-mixer with built-in scale, heater (methinks), and a tiny Swiss engineer. Friend of mine bought one and loves it, says it's much easier to cook now and he does it more often than before. There's tons of recipes/cooking books specifically written for the Thermomix.

Regarding the lottery: my parents won 10.000 bucks back when I was a kid. Sometimes good things do happen ;-)
It's got that typical Thinkpad ruggedness. Drop it, and your floor may be in serious danger.

dragoncar

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Re: Overheard at Work
« Reply #1339 on: January 07, 2014, 03:40:18 PM »
I might understand that better if I had the slightest effing clue as to what a thermomix was.
It's a US $1000 uber-mixer with built-in scale, heater (methinks), and a tiny Swiss engineer. Friend of mine bought one and loves it, says it's much easier to cook now and he does it more often than before. There's tons of recipes/cooking books specifically written for the Thermomix.

Regarding the lottery: my parents won 10.000 bucks back when I was a kid. Sometimes good things do happen ;-)

I kinda want one now after googling it.  It's like the opposite of a uni-tasker although I have doubts about its longevity (and the price point!)

Anatidae V

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Re: Overheard at Work
« Reply #1340 on: January 07, 2014, 05:15:41 PM »
I might understand that better if I had the slightest effing clue as to what a thermomix was.
It's a US $1000 uber-mixer with built-in scale, heater (methinks), and a tiny Swiss engineer. Friend of mine bought one and loves it, says it's much easier to cook now and he does it more often than before. There's tons of recipes/cooking books specifically written for the Thermomix.

Regarding the lottery: my parents won 10.000 bucks back when I was a kid. Sometimes good things do happen ;-)

I kinda want one now after googling it.  It's like the opposite of a uni-tasker although I have doubts about its longevity (and the price point!)
They are at least $2000 australian.

HappierAtHome

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Re: Overheard at Work
« Reply #1341 on: January 07, 2014, 05:38:50 PM »
If I've inadvertently motivated Mustachians to buy an overpriced status item then I'm not going to be able to sleep tonight. Don't buy one! I was talked out of my temptation by Mustachians and they were RIGHT. Thermomixes = luxury bullshit.

Coworker: I'm going to have to change my lotto ticket strategy this year, because I didn't win last year.

Doesn't he know he should keep playing the same numbers, then every time they don't pick his numbers, his odds will get better!

I bet he won't even have to play for 20 more years to win once!

;)

A different colleague explained this to me in the lift yesterday :-( there must have been a megadraw recently, everyone's obsessed with lotto in my workplace.

dragoncar

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Re: Overheard at Work
« Reply #1342 on: January 07, 2014, 06:05:56 PM »
If I've inadvertently motivated Mustachians to buy an overpriced status item then I'm not going to be able to sleep tonight. Don't buy one! I was talked out of my temptation by Mustachians and they were RIGHT. Thermomixes = luxury bullshit.


Well not at that price.  I was thinking three easy payments of $9.99 (I don't own a blender, crock pot, etc.)

Ohio Teacher

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Re: Overheard at Work
« Reply #1343 on: January 07, 2014, 06:12:16 PM »
A co-worker/friend of mine bought a second house for his brother to live.  He got it in a short sale for about $30K.  And... took out a 30-year mortgage.

Me: Why did you get a 30-year mortgage, especially since it's only $30K? 
Him: I want to always have the tax deduction.
Me: You know how deductions work, right?  You only save your marginal tax rate on that amount, which is 25%, but you've still lost the other 75% to the bank.  For 30 years.
Him: I just know I want to always have a mortgage for as long as I live.
Me: [mouth drops]

iris lily

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Re: Overheard at Work
« Reply #1344 on: January 07, 2014, 08:02:46 PM »

...
Not overheard at work, but said directly to me at Christmas by a family member: you should buy a thermomix because I bet you have the space on your credit card now, but after you have kids all your cards will be maxed out and you won't be able to buy one.
that's funny, "space on your credit card" is a new way to think of credit card debt.

mlipps

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Re: Overheard at Work
« Reply #1345 on: January 07, 2014, 08:10:30 PM »
A co-worker/friend of mine bought a second house for his brother to live.  He got it in a short sale for about $30K.  And... took out a 30-year mortgage.

Me: Why did you get a 30-year mortgage, especially since it's only $30K? 
Him: I want to always have the tax deduction.
Me: You know how deductions work, right?  You only save your marginal tax rate on that amount, which is 25%, but you've still lost the other 75% to the bank.  For 30 years.
Him: I just know I want to always have a mortgage for as long as I live.
Me: [mouth drops]

What an idiot. Unless he has tons of other itemized deductions, the interest on a $30k mortgage is never going to be even close enough to itemize, so he's not going to "save" a dime.

dragoncar

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Re: Overheard at Work
« Reply #1346 on: January 07, 2014, 09:15:27 PM »

...
Not overheard at work, but said directly to me at Christmas by a family member: you should buy a thermomix because I bet you have the space on your credit card now, but after you have kids all your cards will be maxed out and you won't be able to buy one.
that's funny, "space on your credit card" is a new way to think of credit card debt.

That reminds me... I need to download some more ram to my mastercard

HappierAtHome

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Re: Overheard at Work
« Reply #1347 on: January 07, 2014, 10:12:16 PM »
Okay you're just going to think I'm making this up.

But somebody at work asked me if I decided to buy the thermomix.

I said no, I decided it wasn't worth the money right now.

She said that if I don't have space on my credit card I should call the bank and get the limit raised since we have such great salaries.

Am I being pranked??

This person supposedly has no knowledge of my previous conversation re: thermomix and credit card.

dragoncar

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Re: Overheard at Work
« Reply #1348 on: January 07, 2014, 10:32:10 PM »
Okay you're just going to think I'm making this up.

But somebody at work asked me if I decided to buy the thermomix.

I said no, I decided it wasn't worth the money right now.

She said that if I don't have space on my credit card I should call the bank and get the limit raised since we have such great salaries.

Am I being pranked??

This person supposedly has no knowledge of my previous conversation re: thermomix and credit card.

It sounds like one of your coworkers may be aware of your MMM activity... or Thermomix is a new hot trend sweeping the nation, and the infomercial mentions the "space on your credit card" bit

Zamboni

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Re: Overheard at Work
« Reply #1349 on: January 07, 2014, 10:59:06 PM »
I had college friends talk about buying something with the space on their credit card.  It's not a new concept. 

One friend told me she always just paid the minimum on her maxed out card.  She'd get just below the limit each month and then go to lunch and max it out again, or once in awhile they'd raise her limit so she'd celebrate by buying stereo equipment or something else to max it at the higher limit.  I did a quick calculation in my head and told her how much per year in interest her perpetually maxed out card was costing her.  She was aghast.  At least now they have a little box on the statement that explains it in terms people can more likely understand.