Author Topic: Overheard at Work  (Read 4746451 times)

Suze456

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Re: Overheard at Work
« Reply #13500 on: May 25, 2016, 01:52:01 PM »
Overheard someone say they pay for everything with credit card so they get another 30-45 days before they have to actually pay for it. Ok in theory, but...
1. They have plenty of money in their current account (no reason not to pay for it in full straight away)
2. They get 0% interest on their current account (having the money for another 30-45 days doesn't do them any good)
3. They then forget to pay the credit card off and get hit with a 20% interest rate!
 and...
4. They teach maths for a living.

zephyr911

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Re: Overheard at Work
« Reply #13501 on: May 25, 2016, 02:00:18 PM »
Lots of us here do that, except, we actually take advantage of that free float to keep more funds invested. Autodraft from checking can avoid that pesky interest.
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Suze456

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Re: Overheard at Work
« Reply #13502 on: May 25, 2016, 02:08:03 PM »
They mustn't have read the full article :) . I know, it makes sense if you pay it off in full before the deadline AND do something with the money

BTDretire

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Re: Overheard at Work
« Reply #13503 on: May 25, 2016, 03:48:04 PM »
The guy next to me had totally different view. He has already done 50 races ($750).

$750 will get you an Xbox one, a racing chair, wheel and pedals. Then you can drive any car you want on any track or circuit in the world in a very realistic fashion.

Or your own go-kart.
My son and I built an electric gokart about 10 years ago, I started with an old gokart an acquaintance had up against the wall in his garage, I ask if he wanted to sell it, he said give me $100. I have a friend with a welding shop
and he acquired a DC motor off of some equipment he junked. Long story shortened, we had a ball with it. It would top out at about 40mph, the kids loved doing donuts.  It was quiet so the neighbors never complained.
We used it about 5 years, the kids went away to college, so I decided to sell it.
 I got on a gokart forum, I described it and ask how I would go about selling it. It was an older gokart, like 50 years old. I immediately got 3 offers and I hadn't even offered it, I was just asking how I go about it.
Surprise!!! The top offer was $1,200. I accepted it and then had people on the forum mad because I did not give them a chance to bid. Well. after the weekend I got a sad story from the buyer and he wanted out. So I reposted it and sold it for the same $1,200. Not much chance I'll ever get paid to have that much fun again. :-)

myhotrs

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Re: Overheard at Work
« Reply #13504 on: May 26, 2016, 09:36:09 AM »
So this girl at work just bought a new puppy (still waiting for it actually) and is very excited. She's someone I think is very bright and I've shared my FIRE plans with her, thought she understood and was interested. Well, not so much it turns out. The new puppy cost over $5,000!!!!

The idea of someone spending anything when there are millions or adoptable dogs of practically any breed and age available everywhere is very disturbing to me. People seem to have no problem selling their own future, supporting puppy-mills, letting dogs WE created be killed by the millions, etc etc. Everyone in the office is all excited and looking at designer dogs all day which will only lead others here to "keep up" by buying their own designer puppies.

I'm a pretty conservative free-market guy, but sometimes I'm really down on mankind.
I swear, by my life and my love of it, that I will never live for the sake of another man, nor ask another man to live for mine.

Chris22

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Re: Overheard at Work
« Reply #13505 on: May 26, 2016, 09:43:44 AM »
So this girl at work just bought a new puppy (still waiting for it actually) and is very excited. She's someone I think is very bright and I've shared my FIRE plans with her, thought she understood and was interested. Well, not so much it turns out. The new puppy cost over $5,000!!!!

The idea of someone spending anything when there are millions or adoptable dogs of practically any breed and age available everywhere is very disturbing to me. People seem to have no problem selling their own future, supporting puppy-mills, letting dogs WE created be killed by the millions, etc etc. Everyone in the office is all excited and looking at designer dogs all day which will only lead others here to "keep up" by buying their own designer puppies.

I'm a pretty conservative free-market guy, but sometimes I'm really down on mankind.

Well, I sorta agree, but...

1.  I had a bad experience with a shelter dog as a kid.  Was very aggressive, bit everyone in my family multiple times (breaking the skin) and we had to put him down about 18 months after adopting.  I was very wary of that.

2.  We intended to go find a breeder, etc, for our dog, but my wife hadn't really had much experience with the breed we were looking at.  We went to a crappy pet store that was selling the breed we were interested in.  You see where this is going.  Of course we fell in love with one, and had to buy him*.  Do I feel bad I supported a crappy system?  Yes, I do.  Do I think my particular dog would be better off if I hadn't bought him for moral/idealogical reasons?  Not at all.  So I did.  Oh well.

*"How much is he?"  "$56/mo" "Huh?  How much to just buy him?" "Oh..I dunno...no one ever asks that..."
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

myhotrs

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Re: Overheard at Work
« Reply #13506 on: May 26, 2016, 09:52:44 AM »
Its actually sad on many levels, the puppy she bought has a heart murmur (a genetic defect common in puppy-mills and pure-breed dogs) but there is another puppy that someone put a deposit for and now can't come up with the rest. Who is buying a dog that they can't even afford??
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mtn

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Re: Overheard at Work
« Reply #13507 on: May 26, 2016, 09:56:42 AM »
Its actually sad on many levels, the puppy she bought has a heart murmur (a genetic defect common in puppy-mills and pure-breed dogs) but there is another puppy that someone put a deposit for and now can't come up with the rest. Who is buying a dog that they can't even afford??

This varies breed to breed and dog to dog. Actually, it is another point in favor of bred dogs in my opinion. When we got our first dog, we met her mother, father, 2 of her grandmothers, 1 of her grandfathers, and her great-grandfather (father of the grandfather we didn't meet). All were in excellent health other than arthritis. But more importantly, we could see that they were all friendly and gentle.

Of course, the healthiest breed overall is a mutt, so you do have a good point that should be remembered.

mtn

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Re: Overheard at Work
« Reply #13508 on: May 26, 2016, 09:57:00 AM »
So this girl at work just bought a new puppy (still waiting for it actually) and is very excited. She's someone I think is very bright and I've shared my FIRE plans with her, thought she understood and was interested. Well, not so much it turns out. The new puppy cost over $5,000!!!!

The idea of someone spending anything when there are millions or adoptable dogs of practically any breed and age available everywhere is very disturbing to me. People seem to have no problem selling their own future, supporting puppy-mills, letting dogs WE created be killed by the millions, etc etc. Everyone in the office is all excited and looking at designer dogs all day which will only lead others here to "keep up" by buying their own designer puppies.

I'm a pretty conservative free-market guy, but sometimes I'm really down on mankind.

Not making a comment on the designer breeds--since I've found most of the various "poo's", other than the Poodle, to be insane--but if she's spending over $5k on the dog it *probably* isn't from a puppy mill. While she probably isn't taking it hunting or anything, my brother is buying one at a similar price point, although he is mostly paying for the training since he is an avid hunter. My neighbors bought one that was even more expensive than that, but they're old and wanted a very specific personality which you can find more reliably with a [responsibly] bred dog.

Now, I'd assume that what she wants is really just a friend--for that, you don't need to get a bred dog or a designer dog. There are rescues everywhere, of every breed, that will be excellent friends.

(Super psyched I get to spend the weekend with 3 awesome dogs--1 rescued at 5 years, 1 as a puppy, and the other from a responsible breeder)

Dollar Slice

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Re: Overheard at Work
« Reply #13509 on: May 26, 2016, 10:05:31 AM »
Overheard a depressing conversation on the subway commute to work this morning. Some guy (a public transit employee, in uniform) was hitting on a much younger woman (she said she was 26, he looked 45-50). Highlights included his story about how he bought an $800 phone and then dropped it in the toilet - "and they wouldn't even replace it for free!" So now he has no phone and he feels like he got "robbed." He seemed to feel like the whole incident was absolutely not his fault in any way - it just fell right out of his hand! Then he asked her (as part of his not-so-smooth hitting-on spiel) "how many times" she's graduated from college, because she is so well-spoken*. She said "I haven't yet... I owe a lot of money." Then they started talking about subway passes and she said the weekly pass was too expensive ($31, IIRC), and he was acting like a big shot because he could get her a discount.

*This was a separate but similar tactic to his "Do you sing? You have such a nice voice" bit... I have never heard so many cheesy pick-up lines in my life.
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MgoSam

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Re: Overheard at Work
« Reply #13510 on: May 26, 2016, 10:37:19 AM »
Overheard a depressing conversation on the subway commute to work this morning. Some guy (a public transit employee, in uniform) was hitting on a much younger woman....... and he was acting like a big shot because he could get her a discount.

*This was a separate but similar tactic to his "Do you sing? You have such a nice voice" bit... I have never heard so many cheesy pick-up lines in my life.

Did it work?

I remember my second year of college, a cute girl was being hit on by a Israeli who was talking about Israeli foreign policy at a party. The party was one being hosted at my house so I sat down with a beer and proceeded to argue with the guy cause what else do people do at parties. Long story short, I got the girl!

Dollar Slice

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Re: Overheard at Work
« Reply #13511 on: May 26, 2016, 10:42:05 AM »
Overheard a depressing conversation on the subway commute to work this morning. Some guy (a public transit employee, in uniform) was hitting on a much younger woman....... and he was acting like a big shot because he could get her a discount.

*This was a separate but similar tactic to his "Do you sing? You have such a nice voice" bit... I have never heard so many cheesy pick-up lines in my life.

Did it work?

She gave him her number. I have no idea what she saw in him, so I'm kind of hoping she wrote down a fake number or something.
...it's not at all alarming that people have started quoting me in their siggy lines.

jda1984

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Re: Overheard at Work
« Reply #13512 on: May 26, 2016, 01:38:08 PM »
Overheard a depressing conversation on the subway commute to work this morning. Some guy (a public transit employee, in uniform) was hitting on a much younger woman....... and he was acting like a big shot because he could get her a discount.

*This was a separate but similar tactic to his "Do you sing? You have such a nice voice" bit... I have never heard so many cheesy pick-up lines in my life.

Did it work?

She gave him her number. I have no idea what she saw in him, so I'm kind of hoping she wrote down a fake number or something.

Well he doesn't have a phone, right?

MgoSam

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Re: Overheard at Work
« Reply #13513 on: May 26, 2016, 01:57:56 PM »
Overheard a depressing conversation on the subway commute to work this morning. Some guy (a public transit employee, in uniform) was hitting on a much younger woman....... and he was acting like a big shot because he could get her a discount.

*This was a separate but similar tactic to his "Do you sing? You have such a nice voice" bit... I have never heard so many cheesy pick-up lines in my life.

Did it work?

She gave him her number. I have no idea what she saw in him, so I'm kind of hoping she wrote down a fake number or something.

Well he doesn't have a phone, right?

How did I miss that? LOL!

Dollar Slice

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Re: Overheard at Work
« Reply #13514 on: May 26, 2016, 02:11:31 PM »
She gave him her number. I have no idea what she saw in him, so I'm kind of hoping she wrote down a fake number or something.

Well he doesn't have a phone, right?

How did I miss that? LOL!

Haha. He's probably paying for a landline on top of the payments for his $800 toiletphone. Or he'll just borrow his wife's (call me cynical but he had a real "married" vibe about him).
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MrsDinero

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Re: Overheard at Work
« Reply #13515 on: May 28, 2016, 06:30:35 AM »
On a recent trip to corporate, we were all at lunch (mixed aged crowd) and the younger employees got to talking about student loans hanging over their heads "FOREVER". 

Older coworker: "You should really buckle down and knock that out.  Life is so much better when you are debt-free."
Younger coworker:  "There is no way I will every be able to pay for it!  I can barely make it to next month!"
Older coworker:  "Aren't you going on a 10 day trip to the islands?  How many months of student loan payments is that costing you?"
Younger coworker:  "..."


Mac_MacGyver

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Re: Overheard at Work
« Reply #13516 on: May 29, 2016, 05:58:37 PM »
Gal I work with got a 5k tatoo from one of those tv personalities because "you have to spend your money on something". Tattoo does look really good though, I will give her that. Now spends that amount twice a year for the same artist. Again, really good work.

TheGrimSqueaker

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Re: Overheard at Work
« Reply #13517 on: May 29, 2016, 06:43:11 PM »
Gal I work with got a 5k tatoo from one of those tv personalities because "you have to spend your money on something". Tattoo does look really good though, I will give her that. Now spends that amount twice a year for the same artist. Again, really good work.

The problem with body art is that, unlike-- for example-- other forms of art such as paintings or sculpture, is that it's not transferable. Body art is actually consumed. You can't sell it, trade it, or transfer it to somebody else. If you die, it's cremated or buried with you and your kids can't sell it to cover funeral expenses. If you get sick, you can't liquidate it to pay your medical bills or to cover your family's living expenses until you get better.
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Mac_MacGyver

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Re: Overheard at Work
« Reply #13518 on: May 29, 2016, 07:19:12 PM »
Guy used a Govt credit card to spend 2,500 on dinner and household items. He assumed the govt would cover it. He got caught and had to pay it back. Forced to take on a second job to pay that money back. Turns out he has another 30k in credit card debt and is going through military legal to file bankruptcy. He eats out for breakfast and lunch daily, 12 dollars a pop, no idea what he does for dinner.

SwordGuy

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Re: Overheard at Work
« Reply #13519 on: May 29, 2016, 07:57:52 PM »
Gal I work with got a 5k tatoo from one of those tv personalities because "you have to spend your money on something". Tattoo does look really good though, I will give her that. Now spends that amount twice a year for the same artist. Again, really good work.

The problem with body art is that, unlike-- for example-- other forms of art such as paintings or sculpture, is that it's not transferable. Body art is actually consumed. You can't sell it, trade it, or transfer it to somebody else. If you die, it's cremated or buried with you and your kids can't sell it to cover funeral expenses. If you get sick, you can't liquidate it to pay your medical bills or to cover your family's living expenses until you get better.

Technically, it could be removed and sold as art once the bearer dies. 

Hey, a good side hustle for Ramsay Bolton on Game of Thrones...

whiskeyjack

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Re: Overheard at Work
« Reply #13520 on: May 30, 2016, 01:54:35 AM »
Gal I work with got a 5k tatoo from one of those tv personalities because "you have to spend your money on something". Tattoo does look really good though, I will give her that. Now spends that amount twice a year for the same artist. Again, really good work.

The problem with body art is that, unlike-- for example-- other forms of art such as paintings or sculpture, is that it's not transferable. Body art is actually consumed. You can't sell it, trade it, or transfer it to somebody else. If you die, it's cremated or buried with you and your kids can't sell it to cover funeral expenses. If you get sick, you can't liquidate it to pay your medical bills or to cover your family's living expenses until you get better.

Technically, it could be removed and sold as art once the bearer dies. 

Hey, a good side hustle for Ramsay Bolton on Game of Thrones...

Oh ick There are places that do this.  All I can imagine is digging through your parents possessions, decades later, and finding some dusty old frame with grandpa's skin in it. 

http://www.vice.com/read/a-new-service-wants-to-preserve-your-tattoos-after-you-die-915

stylesjl

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Re: Overheard at Work
« Reply #13521 on: May 30, 2016, 02:15:11 AM »
Not at work but on way to work I got a free bag of apples and bananas from some people advertising a thing called Food Bag where they cook these meals for you and deliver them to your door, I checked their prices, for a family of 4 (2 Adults, Two Children) they said the cost would be almost $150 a week!

Thats... $600 a month, $7200 a year. The mind boggles...

Kitsune

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Re: Overheard at Work
« Reply #13522 on: May 30, 2016, 07:00:34 AM »
Not at work but on way to work I got a free bag of apples and bananas from some people advertising a thing called Food Bag where they cook these meals for you and deliver them to your door, I checked their prices, for a family of 4 (2 Adults, Two Children) they said the cost would be almost $150 a week!

Thats... $600 a month, $7200 a year. The mind boggles...

Is that... every single meal? Like, for a family of 4, breakfast, lunch, and dinner every day? Plus snacks? Even then, that'd be 1/3 more than my usual grocery bill. Wow.

Shamantha

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Re: Overheard at Work
« Reply #13523 on: May 30, 2016, 08:44:15 AM »
My co-worker is adamant that junk food is cheaper than home cooked food. When I tell her that I can cook a full meal for x amount, she scorns it and says that that does not count, as it is vegetarian. And then continues to state that a poor mother on welfare with two children is forced to buy fries at the local snackbar, as she does not have money for proper food. These fries cost the same as my full meal for 4 persons. And the fries are also vegetarian...

canuck_24

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Re: Overheard at Work
« Reply #13524 on: May 31, 2016, 08:25:28 AM »
I only discovered the mustachian community last spring, and I'm pretty excited about it, so I often talk freely with co-workers about money, early retirement etc.  Last week I had a conversation with my very logical, very intelligent officemate who absolutely refuses to believe it is possible to retire without "at least 2 or 3 million dollars saved up"!  ARGH!  So, we started doing the math on the whiteboard, of course discussing the 4% rule and whatnot.  I didn't go into lifestyle choices and reducing annual spending (I am certainly not going to convince him he doesn't NEED his brand new quarter ton at this juncture), we just went with a generalized value for annual spending.  Once I showed him all the math, he rebutted with, "Well, it doesn't matter how much I am going to spend in retirement, I want to pay myself an annual salary of $60-70k per year when I'm retired"  WHAT?!  This "salary" is well above and beyond his set annual spending, and he acknowledged that, but insists that he wants/needs to pay himself a "comfortable" salary in retirement. 

It's days like these I wish I could find someone locally (other than my spouse) to discuss money with!  Vive la mining-towns! Ha ha!  Thank goodness for the mustachian community.

MgoSam

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Re: Overheard at Work
« Reply #13525 on: May 31, 2016, 08:37:43 AM »
Canuck,

That's when I just shake my head and file it away for when that person might mention how "lucky" we are to FIRE so early.

FuturePrimitive

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Re: Overheard at Work
« Reply #13526 on: May 31, 2016, 08:41:42 AM »
"Well, it doesn't matter how much I am going to spend in retirement, I want to pay myself an annual salary of $60-70k per year when I'm retired"  WHAT?!  This "salary" is well above and beyond his set annual spending, and he acknowledged that, but insists that he wants/needs to pay himself a "comfortable" salary in retirement. 
You're not gonna swing somebody over in a matter of minutes, they've had a lifetime of people telling them that they need to have millions of dollars or 25X their salary saved to retire. On the contrary, I'd say you've planted a seed in this persons head that is going to grow. I tell you this specifically because these concepts didn't take hold with me over night either. It took considerable reading and number crunching to come to the conclusion that it was not only possible, but probable that I could retire early (maybe not so early as some here but still early). And with much less saved than the experts told me I "needed".

mm1970

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Re: Overheard at Work
« Reply #13527 on: May 31, 2016, 09:07:07 AM »
On a recent trip to corporate, we were all at lunch (mixed aged crowd) and the younger employees got to talking about student loans hanging over their heads "FOREVER". 

Older coworker: "You should really buckle down and knock that out.  Life is so much better when you are debt-free."
Younger coworker:  "There is no way I will every be able to pay for it!  I can barely make it to next month!"
Older coworker:  "Aren't you going on a 10 day trip to the islands?  How many months of student loan payments is that costing you?"
Younger coworker:  "..."
This is gold right there.
It's a connection that some people don't make.
Like several years ago (7 now?) our car was totaled (T-boned).  We paid cash for our next (new, yes facepunch me) Civic.  About a month later, some coworkers were poking fun at me for bringing my lunch every day.  I told them that aside from the health aspect, I once calculated that by packing my lunch and my husband's lunch and my kid's lunch, I saved about $3500 a year vs. eating out.  That's a new Civic in 5 years.

(Most of my coworkers bring lunch often, just not every day.)

mm1970

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Re: Overheard at Work
« Reply #13528 on: May 31, 2016, 09:11:47 AM »
Not at work but on way to work I got a free bag of apples and bananas from some people advertising a thing called Food Bag where they cook these meals for you and deliver them to your door, I checked their prices, for a family of 4 (2 Adults, Two Children) they said the cost would be almost $150 a week!

Thats... $600 a month, $7200 a year. The mind boggles...

Is that... every single meal? Like, for a family of 4, breakfast, lunch, and dinner every day? Plus snacks? Even then, that'd be 1/3 more than my usual grocery bill. Wow.
I googled, just had to.  Looks like it's 5 dinners only.

onlykelsey

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Re: Overheard at Work
« Reply #13529 on: May 31, 2016, 09:34:23 AM »
On a recent trip to corporate, we were all at lunch (mixed aged crowd) and the younger employees got to talking about student loans hanging over their heads "FOREVER". 

Older coworker: "You should really buckle down and knock that out.  Life is so much better when you are debt-free."
Younger coworker:  "There is no way I will every be able to pay for it!  I can barely make it to next month!"
Older coworker:  "Aren't you going on a 10 day trip to the islands?  How many months of student loan payments is that costing you?"
Younger coworker:  "..."
This is gold right there.
It's a connection that some people don't make.
Like several years ago (7 now?) our car was totaled (T-boned).  We paid cash for our next (new, yes facepunch me) Civic.  About a month later, some coworkers were poking fun at me for bringing my lunch every day.  I told them that aside from the health aspect, I once calculated that by packing my lunch and my husband's lunch and my kid's lunch, I saved about $3500 a year vs. eating out.  That's a new Civic in 5 years.

(Most of my coworkers bring lunch often, just not every day.)

I love moments like that.  You can have anything, but you can't have everything.   Money spent on one thing takes away from another.  It's strange how few people realize that.  I slip in to it myself sometimes.

RWD

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Re: Overheard at Work
« Reply #13530 on: May 31, 2016, 09:35:47 AM »
Not at work but on way to work I got a free bag of apples and bananas from some people advertising a thing called Food Bag where they cook these meals for you and deliver them to your door, I checked their prices, for a family of 4 (2 Adults, Two Children) they said the cost would be almost $150 a week!

Thats... $600 a month, $7200 a year. The mind boggles...

Is that... every single meal? Like, for a family of 4, breakfast, lunch, and dinner every day? Plus snacks? Even then, that'd be 1/3 more than my usual grocery bill. Wow.
I googled, just had to.  Looks like it's 5 dinners only.
"From only $6.50 per plate" (for 2 adults and 3 younger children, presumably New Zealand dollars) Wow, what a deal... The website lists this option at $162.50 per week, which assuming New Zealand dollars, works out to $109.89 USD.

MishMash

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Re: Overheard at Work
« Reply #13531 on: May 31, 2016, 10:53:17 AM »
It's been slow in my office since everyone pretty much up and quit in the past months but I did get a gem today

Context: discussing what we did over the weekend coworker was at a party for his girlfriend and her friends, they are all in their 40's etc and professionals.

CW1: So what did you do this weekend?
Me: Oh DH and I went camping at the beach.
CW1:  Man that sounds fun, I got stuck going to a party for (GF), there were like 50 people there, I didn't know many of them and it was all this pretentious chit chat, it drove me NUTS.  Here they are talking about buying a house in (expensive area here) or buying a boat, or an estate etc.  Here I am, divorced, all my money goes to my mortgage, and yea, I know I can rent it out, but then I would have to move and find a new place and that's just a hassle so why do it.  I mean one guy was retired....he was 49...FOURTY-NINE and retired.  I mean who the hell can retire at 49?  Guys nice, but come on, I don't want that hanging around.  Way to make me feel like a failure.
Me: Um, yea I can see how that might upset you

Didn't have the heart to tell him DH and I are early/mid 30's and pretty much FI.  I also didn't have the heart to point out his stupid expensive BMW, his daily lunch out and after work beers, nor his penchant towards expensive concerts several times a month. 

*PS since I know someone will say the divorce wiped him out.  He's told me in the past he was only married 2 years, and that she didn't get anything because all he had at the time was the house, which she didn't want.

onlykelsey

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Re: Overheard at Work
« Reply #13532 on: May 31, 2016, 10:56:19 AM »
It's been slow in my office since everyone pretty much up and quit in the past months but I did get a gem today

Context: discussing what we did over the weekend coworker was at a party for his girlfriend and her friends, they are all in their 40's etc and professionals.

CW1: So what did you do this weekend?
Me: Oh DH and I went camping at the beach.
CW1:  Man that sounds fun, I got stuck going to a party for (GF), there were like 50 people there, I didn't know many of them and it was all this pretentious chit chat, it drove me NUTS.  Here they are talking about buying a house in (expensive area here) or buying a boat, or an estate etc.  Here I am, divorced, all my money goes to my mortgage, and yea, I know I can rent it out, but then I would have to move and find a new place and that's just a hassle so why do it.  I mean one guy was retired....he was 49...FOURTY-NINE and retired.  I mean who the hell can retire at 49?  Guys nice, but come on, I don't want that hanging around.  Way to make me feel like a failure.
Me: Um, yea I can see how that might upset you

Didn't have the heart to tell him DH and I are early/mid 30's and pretty much FI.  I also didn't have the heart to point out his stupid expensive BMW, his daily lunch out and after work beers, nor his penchant towards expensive concerts several times a month. 

*PS since I know someone will say the divorce wiped him out.  He's told me in the past he was only married 2 years, and that she didn't get anything because all he had at the time was the house, which she didn't want.

I think it was on Kitsune's thread recently where someone said that it's important to remember that other people are not doing their actions at you.  Like, I was a vegetarian for 15 years, and people acted like it was a personal affront.  I'm not being vegetarian AT YOU, or saving money AT YOU, or retiring AT YOU. 

jinga nation

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Re: Overheard at Work
« Reply #13533 on: May 31, 2016, 11:59:04 AM »
Over the last few months, I've realized that in my workplace, in addition to Sex(uality), Politics, and Religion, do not talk about FIRE. (But people still talk about the first three, contrary to employer policy). FIRE is impossible since it isn't advertised on TV or on the internet, so it isn't true.
You've married well if you have a spouse/partner who in on board with FIRE. Otherwise you're fucked, or will be soon.
Spendypants can't get rid of the idea that you don't need fancy cars, clothes, etc. when you quit the rat race. Paying yourself a salary? You retired, not an entrepreneur or business owner when you quit being a wage slave.

I am constantly told I'm lucky that I bought RE over the last few years and am constantly called a slumlord by co-workers. What they don't see is that I asked a friend (who is an investor and entrepreneur) what I should do with 100k just sitting in the bank. He told me about foreclosures. I researched the process, made bids, bought for cash, wife and I worked nights and weekends fixing up, screened applicants, rented out. Is that luck or effort? And I'm not a slumlord, I rent to urban working professionals and working students. They don't realize that while they buy new or gently used luxury import cars every 5 years, my wife and I drive 10 year old Hondas, which still run like new with just the required maintenance. They don't see that we live on one salary while the other one is saved as powder keg for RE purchases. They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Unlike my co-workers who bitch about their weekends on Mondays and have dreadful work-related thoughts on Sunday, I look forward to Mondays. I get to sit, do productive work, solve problems, get paid for it. Why have anxiety for this? Wife ain't around to bother me, kids are in daycare/school, boss is paying me... life is good!
If I genuinely enjoy my profession and workplace, is there a reason to FIRE? Keep Calm and Carry On Milking.

GuitarStv

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Re: Overheard at Work
« Reply #13534 on: May 31, 2016, 12:19:50 PM »
No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store.

Preach on!  I learned how important it is to do your own laundry many years ago.  My stuff gets soaked for a couple hours before being run on gentle and then hung dry.  Much of my business wardrobe is in the seven to ten year range at the moment.  I too hate purchasing clothing at the mall.

dragoncar

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Re: Overheard at Work
« Reply #13535 on: May 31, 2016, 12:33:01 PM »
Over the last few months, I've realized that in my workplace, in addition to Sex(uality), Politics, and Religion, do not talk about FIRE. (But people still talk about the first three, contrary to employer policy). FIRE is impossible since it isn't advertised on TV or on the internet, so it isn't true.
You've married well if you have a spouse/partner who in on board with FIRE. Otherwise you're fucked, or will be soon.
Spendypants can't get rid of the idea that you don't need fancy cars, clothes, etc. when you quit the rat race. Paying yourself a salary? You retired, not an entrepreneur or business owner when you quit being a wage slave.

I am constantly told I'm lucky that I bought RE over the last few years and am constantly called a slumlord by co-workers. What they don't see is that I asked a friend (who is an investor and entrepreneur) what I should do with 100k just sitting in the bank. He told me about foreclosures. I researched the process, made bids, bought for cash, wife and I worked nights and weekends fixing up, screened applicants, rented out. Is that luck or effort? And I'm not a slumlord, I rent to urban working professionals and working students. They don't realize that while they buy new or gently used luxury import cars every 5 years, my wife and I drive 10 year old Hondas, which still run like new with just the required maintenance. They don't see that we live on one salary while the other one is saved as powder keg for RE purchases. They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Unlike my co-workers who bitch about their weekends on Mondays and have dreadful work-related thoughts on Sunday, I look forward to Mondays. I get to sit, do productive work, solve problems, get paid for it. Why have anxiety for this? Wife ain't around to bother me, kids are in daycare/school, boss is paying me... life is good!

Good for you, but Hondas are imports too

RWD

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Re: Overheard at Work
« Reply #13536 on: May 31, 2016, 12:54:19 PM »
Over the last few months, I've realized that in my workplace, in addition to Sex(uality), Politics, and Religion, do not talk about FIRE. (But people still talk about the first three, contrary to employer policy). FIRE is impossible since it isn't advertised on TV or on the internet, so it isn't true.
You've married well if you have a spouse/partner who in on board with FIRE. Otherwise you're fucked, or will be soon.
Spendypants can't get rid of the idea that you don't need fancy cars, clothes, etc. when you quit the rat race. Paying yourself a salary? You retired, not an entrepreneur or business owner when you quit being a wage slave.

I am constantly told I'm lucky that I bought RE over the last few years and am constantly called a slumlord by co-workers. What they don't see is that I asked a friend (who is an investor and entrepreneur) what I should do with 100k just sitting in the bank. He told me about foreclosures. I researched the process, made bids, bought for cash, wife and I worked nights and weekends fixing up, screened applicants, rented out. Is that luck or effort? And I'm not a slumlord, I rent to urban working professionals and working students. They don't realize that while they buy new or gently used luxury import cars every 5 years, my wife and I drive 10 year old Hondas, which still run like new with just the required maintenance. They don't see that we live on one salary while the other one is saved as powder keg for RE purchases. They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Unlike my co-workers who bitch about their weekends on Mondays and have dreadful work-related thoughts on Sunday, I look forward to Mondays. I get to sit, do productive work, solve problems, get paid for it. Why have anxiety for this? Wife ain't around to bother me, kids are in daycare/school, boss is paying me... life is good!

Good for you, but Hondas are imports too

What about the Hondas built in Ohio?

jinga nation

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Re: Overheard at Work
« Reply #13537 on: May 31, 2016, 12:59:00 PM »
Over the last few months, I've realized that in my workplace, in addition to Sex(uality), Politics, and Religion, do not talk about FIRE. (But people still talk about the first three, contrary to employer policy). FIRE is impossible since it isn't advertised on TV or on the internet, so it isn't true.
You've married well if you have a spouse/partner who in on board with FIRE. Otherwise you're fucked, or will be soon.
Spendypants can't get rid of the idea that you don't need fancy cars, clothes, etc. when you quit the rat race. Paying yourself a salary? You retired, not an entrepreneur or business owner when you quit being a wage slave.

I am constantly told I'm lucky that I bought RE over the last few years and am constantly called a slumlord by co-workers. What they don't see is that I asked a friend (who is an investor and entrepreneur) what I should do with 100k just sitting in the bank. He told me about foreclosures. I researched the process, made bids, bought for cash, wife and I worked nights and weekends fixing up, screened applicants, rented out. Is that luck or effort? And I'm not a slumlord, I rent to urban working professionals and working students. They don't realize that while they buy new or gently used luxury import cars every 5 years, my wife and I drive 10 year old Hondas, which still run like new with just the required maintenance. They don't see that we live on one salary while the other one is saved as powder keg for RE purchases. They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Unlike my co-workers who bitch about their weekends on Mondays and have dreadful work-related thoughts on Sunday, I look forward to Mondays. I get to sit, do productive work, solve problems, get paid for it. Why have anxiety for this? Wife ain't around to bother me, kids are in daycare/school, boss is paying me... life is good!

Good for you, but Hondas are imports too

What about the Hondas built in Ohio?

My bad. Our 2006 Hondas are built in Indiana and Ohio, 75% domestic content per the sticker. Which leads to another constant at-work debate of is it imported or domestic. 1st world issue, IMHO.
If I genuinely enjoy my profession and workplace, is there a reason to FIRE? Keep Calm and Carry On Milking.

BeFree

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Re: Overheard at Work
« Reply #13538 on: May 31, 2016, 02:31:39 PM »
Just found out my coworker and her husband have four vehicles. Her husband is retired and has two, and she has two. Granted, all are paid off, but WTH?! Lol. She was venting about how long her one vehicle has been in service and what a headache it's been. How about just get rid of it? lol. She said they used to have five vehicles. SMH. I have considered financial advisor as a potential part-time contracting gig for me after I quit, but I don't know what to say to some people, so maybe it's NOT my choice of work =P

MgoSam

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Re: Overheard at Work
« Reply #13539 on: May 31, 2016, 02:35:03 PM »
Over the last few months, I've realized that in my workplace, in addition to Sex(uality), Politics, and Religion, do not talk about FIRE. (But people still talk about the first three, contrary to employer policy). FIRE is impossible since it isn't advertised on TV or on the internet, so it isn't true.
You've married well if you have a spouse/partner who in on board with FIRE. Otherwise you're fucked, or will be soon.
Spendypants can't get rid of the idea that you don't need fancy cars, clothes, etc. when you quit the rat race. Paying yourself a salary? You retired, not an entrepreneur or business owner when you quit being a wage slave.

I am constantly told I'm lucky that I bought RE over the last few years and am constantly called a slumlord by co-workers. What they don't see is that I asked a friend (who is an investor and entrepreneur) what I should do with 100k just sitting in the bank. He told me about foreclosures. I researched the process, made bids, bought for cash, wife and I worked nights and weekends fixing up, screened applicants, rented out. Is that luck or effort? And I'm not a slumlord, I rent to urban working professionals and working students. They don't realize that while they buy new or gently used luxury import cars every 5 years, my wife and I drive 10 year old Hondas, which still run like new with just the required maintenance. They don't see that we live on one salary while the other one is saved as powder keg for RE purchases. They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Unlike my co-workers who bitch about their weekends on Mondays and have dreadful work-related thoughts on Sunday, I look forward to Mondays. I get to sit, do productive work, solve problems, get paid for it. Why have anxiety for this? Wife ain't around to bother me, kids are in daycare/school, boss is paying me... life is good!

Good for you, but Hondas are imports too

What about the Hondas built in Ohio?

My bad. Our 2006 Hondas are built in Indiana and Ohio, 75% domestic content per the sticker. Which leads to another constant at-work debate of is it imported or domestic. 1st world issue, IMHO.

Otter: [to Boon] Germans?
Boon: Forget it, he's rolling.

oneday

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Re: Overheard at Work
« Reply #13540 on: May 31, 2016, 06:38:43 PM »
Just found out my coworker and her husband have four vehicles. Her husband is retired and has two, and she has two. Granted, all are paid off, but WTH?! Lol. She was venting about how long her one vehicle has been in service and what a headache it's been. How about just get rid of it? lol. She said they used to have five vehicles. SMH. I have considered financial advisor as a potential part-time contracting gig for me after I quit, but I don't know what to say to some people, so maybe it's NOT my choice of work =P

Only 2 vehicles per person?  They need to get cracking, cuz really you need 3 or possibly more per person.  True story:

Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

His new wife also had a daily driver, a very late-model American 6-cylinder, so not as practical as Dad's daily driver, but her commute was short & she could afford it, OK.  New Wife is less practical overall.  Second car is a sentimental "keep".  An early-80's Honda.  This was the first car she bought NEW all by herself as an adult, so of course she can't be expected to ever sell it!  It mostly sat by the curb unused.  Last car for her is also sentimental & FUN, another classic muscle car convertible.  Also of the flat-battery fleet.

If they had room, they probably would have had even more vehicles.  Later, Dad traded his Honda for a wagon because he was hauling a wheelchair for his Dad, but did lament that the Honda got better mileage & I know he wanted to keep it.
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MoonShadow

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Re: Overheard at Work
« Reply #13541 on: May 31, 2016, 07:25:01 PM »
Just found out my coworker and her husband have four vehicles. Her husband is retired and has two, and she has two. Granted, all are paid off, but WTH?! Lol. She was venting about how long her one vehicle has been in service and what a headache it's been. How about just get rid of it? lol. She said they used to have five vehicles. SMH. I have considered financial advisor as a potential part-time contracting gig for me after I quit, but I don't know what to say to some people, so maybe it's NOT my choice of work =P

Only 2 vehicles per person?  They need to get cracking, cuz really you need 3 or possibly more per person.  True story:

Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

His new wife also had a daily driver, a very late-model American 6-cylinder, so not as practical as Dad's daily driver, but her commute was short & she could afford it, OK.  New Wife is less practical overall.  Second car is a sentimental "keep".  An early-80's Honda.  This was the first car she bought NEW all by herself as an adult, so of course she can't be expected to ever sell it!  It mostly sat by the curb unused.  Last car for her is also sentimental & FUN, another classic muscle car convertible.  Also of the flat-battery fleet.

If they had room, they probably would have had even more vehicles.  Later, Dad traded his Honda for a wagon because he was hauling a wheelchair for his Dad, but did lament that the Honda got better mileage & I know he wanted to keep it.

Have you introduced your Dad to relayrides.com?

KMMK

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Re: Overheard at Work
« Reply #13542 on: May 31, 2016, 08:25:18 PM »
Try working in car insurance. Some people and their vehicles- it's just nuts. Brand new and barely driven, too many in a household, insanely expensive. Some people have a brand new truck and buy a second truck just so they put less miles on the first one (?).

It's probably extra bad because I live in a big truck area, where these beasts are normal, many people fly to their jobs, make big money and want to spend it all, and love toys.
The amount of motorcycles, ATVs, snowmobiles and trailers is also crazy.

oneday

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Re: Overheard at Work
« Reply #13543 on: May 31, 2016, 09:22:44 PM »
Have you introduced your Dad to relayrides.com?

MoonShadow, it's a good idea; he might have gone for it.  He has "passed on" as they say. 


Try working in car insurance. Some people and their vehicles- it's just nuts. Brand new and barely driven, too many in a household, insanely expensive. Some people have a brand new truck and buy a second truck just so they put less miles on the first one (?).

KMMK, Dad was an adjuster (personal lines) for most of his career!  So yeah, I'm pretty sure he saw the kind of thing you are talking about.  Maybe it normalized/justified the behavior for him rather than causing a SMH moment?  Who knows.
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Playing with Fire UK

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Re: Overheard at Work
« Reply #13544 on: June 01, 2016, 02:42:34 AM »
They comment my clothes are nicely pressed and assume that I use a Laundromat or my wife does it. No, fuckers, I'm a man, and no one touches my dirty laundry. I don't want my wife to fuck up my clothes, or else I have to go to my second most hated place in the world: the mall/clothes store. (The first is theme parks.)

Just wanted to recognise the eipc badassity in this paragraph

Chris22

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Re: Overheard at Work
« Reply #13545 on: June 01, 2016, 06:48:46 AM »
Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

As a car nut, this sounds perfectly reasonable to me :)
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Uturn

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Re: Overheard at Work
« Reply #13546 on: June 01, 2016, 07:59:15 AM »
Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

Sounds reasonable.  I have a 2014 Altima that gets mostly used for work and a 2008 Ram for hauling and camping.  For fun I have a 2015 Kawasaki.  However, all total I have about $9k spent for them. 
It's not about money, it's about mindset

mtn

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Re: Overheard at Work
« Reply #13547 on: June 01, 2016, 08:04:36 AM »
Just found out my coworker and her husband have four vehicles. Her husband is retired and has two, and she has two. Granted, all are paid off, but WTH?! Lol. She was venting about how long her one vehicle has been in service and what a headache it's been. How about just get rid of it? lol. She said they used to have five vehicles. SMH. I have considered financial advisor as a potential part-time contracting gig for me after I quit, but I don't know what to say to some people, so maybe it's NOT my choice of work =P

Only 2 vehicles per person?  They need to get cracking, cuz really you need 3 or possibly more per person.  True story:

Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

His new wife also had a daily driver, a very late-model American 6-cylinder, so not as practical as Dad's daily driver, but her commute was short & she could afford it, OK.  New Wife is less practical overall.  Second car is a sentimental "keep".  An early-80's Honda.  This was the first car she bought NEW all by herself as an adult, so of course she can't be expected to ever sell it!  It mostly sat by the curb unused.  Last car for her is also sentimental & FUN, another classic muscle car convertible.  Also of the flat-battery fleet.

If they had room, they probably would have had even more vehicles.  Later, Dad traded his Honda for a wagon because he was hauling a wheelchair for his Dad, but did lament that the Honda got better mileage & I know he wanted to keep it.

All sounds normal to me. As grandpa always said, if you can afford it and its not immoral or illegal, why not?

Wifey and I will probably have 3 cars shortly--her Daily, my "Daily", and my fun car. My daily will likely be a pickup since I will either have no work commute or one of less than 2 miles (unbikeable if that is the case).

Racer X

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Re: Overheard at Work
« Reply #13548 on: June 01, 2016, 08:43:30 AM »
Fellow gearhead here.  I read that and thought:  "Well, clearly he doesn't have enough trickle chargers!"

HairyUpperLip

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Re: Overheard at Work
« Reply #13549 on: June 01, 2016, 12:59:15 PM »
Dad married again later in life.  By this time he had accumulated a daily driver, a pickup truck and a classic muscle car.  Of course you can't let any of these go, right?  Daily driver-Toyota, obviously this is for grocery-getting or road trips because great gas mileage.  But, you can't use the daily driver to pick up a water heater or some such, "too expensive" to rent a truck for this, nor can such an item be delivered!  Muscle car was sentimental, really.  He'd had it for 20+years, originally his daily driver, he'd rebuilt it himself in the 90's and it was a convertible.  So, not for grocery-getting, long trips or hauling.  This one is for FUN! Of course, it's driven so little, the battery goes flat between drives.

Sounds reasonable.  I have a 2014 Altima that gets mostly used for work and a 2008 Ram for hauling and camping.  For fun I have a 2015 Kawasaki.  However, all total I have about $9k spent for them.

Wow, I thought a 2014 Altima alone would be more than $9k. I know they are crappy cars, but good to know they are super cheap.