Author Topic: Overheard at Work  (Read 8046459 times)

RyanAtTanagra

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Re: Overheard at Work
« Reply #14750 on: August 31, 2016, 04:41:03 PM »
The office administrative assistant has been quietly taking every one of us into the conference room for 5 minutes since lunch. When it was my turn, I was obviously curious. Turns out, she was informing us individually that since we're changing pay-processing companies, there was going to be a slight change in that our 2-week pay cycle would be delayed by one week (currently we're paid in advance, so now we'll become like normal companies).

She wanted to let us all know in person about the change, and privately, to make sure that I could "plan accordingly" and that if there are any issues or I need an advance for the week, she can take care of it.

+1 on the discretion and care that she takes, I think that's wonderful.
But it makes me sad to know that this might cause issues for some coworkers.

Well, right now, that'd be an issue for us - we're finalizing debt repayments (20K in a year, woot!) and have money directly sent into savings on payday (preparing for an upcoming maternity leave), so yeah, it'd affect things, and we'd definitely need to know or payments would bounce. (That said, the solution would be 'transfer some money out of savings to cover the payments coming out, put it back on on payday a week later, re-calibrate automatic savings withdrawals", not "ask company for an advance", but...)

Wanting a heads up so you can move money around if needed is reasonable.  Being completely screwed if a paycheck is a week late, not so much, which is unfortunately where a lot of people stand (and where many of us used to stand, me included, I remember that feeling).

RyanAtTanagra

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Re: Overheard at Work
« Reply #14751 on: August 31, 2016, 04:42:51 PM »
I have a retired friend that did day trading for a while. He never said, but I think he lost a lot of money.
Now he says the stock market is rigged and will not put any money in it.

Haha, I guess that's one way to make yourself feel better about losing money... wasn't my fault, the system is rigged I tell you!

Sawedoff

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Re: Overheard at Work
« Reply #14752 on: September 01, 2016, 05:28:02 AM »
Getting out, or retiring from?  If it's retiring from, he's got a guaranteed income of $35-40k+ coming to him for life, so it's not like he's setting out for the great unknown with nothing.  Motorcycle though, no idea if that's dumb or not.

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Re: Overheard at Work
« Reply #14753 on: September 01, 2016, 08:11:51 AM »
I was talking to someone that is in their late 30's about their 401k... They have been contributing for about 15 years but don't trust the stock market so the entire amount has gone directly to the "cash value" fund.

Could you explain what a cash value fund is. Everything I found looking it up talks about annuities.

TravelJunkyQC

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Re: Overheard at Work
« Reply #14754 on: September 01, 2016, 08:15:44 AM »
The office administrative assistant has been quietly taking every one of us into the conference room for 5 minutes since lunch. When it was my turn, I was obviously curious. Turns out, she was informing us individually that since we're changing pay-processing companies, there was going to be a slight change in that our 2-week pay cycle would be delayed by one week (currently we're paid in advance, so now we'll become like normal companies).

She wanted to let us all know in person about the change, and privately, to make sure that I could "plan accordingly" and that if there are any issues or I need an advance for the week, she can take care of it.

+1 on the discretion and care that she takes, I think that's wonderful.
But it makes me sad to know that this might cause issues for some coworkers.

Well, right now, that'd be an issue for us - we're finalizing debt repayments (20K in a year, woot!) and have money directly sent into savings on payday (preparing for an upcoming maternity leave), so yeah, it'd affect things, and we'd definitely need to know or payments would bounce. (That said, the solution would be 'transfer some money out of savings to cover the payments coming out, put it back on on payday a week later, re-calibrate automatic savings withdrawals", not "ask company for an advance", but...)

Wanting a heads up so you can move money around if needed is reasonable.  Being completely screwed if a paycheck is a week late, not so much, which is unfortunately where a lot of people stand (and where many of us used to stand, me included, I remember that feeling).

I realize I didn't explain myself properly. I agree that it is best to know in case most things are automated and need to re-calibrate some things as you said. My sadness was with the "possibly needing an advance" thing, not with the "need to know in case you have automatic withdrawals".

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Re: Overheard at Work
« Reply #14755 on: September 01, 2016, 08:17:31 AM »
I was talking to someone that is in their late 30's about their 401k... They have been contributing for about 15 years but don't trust the stock market so the entire amount has gone directly to the "cash value" fund.

Could you explain what a cash value fund is. Everything I found looking it up talks about annuities.

Sorry if that wasn't clear. Essentially it is like an account that just puts your funds into straight cash. It is like a savings account in the 401k that is worth exactly 1 dollar per share. So if you put in $50 you have 50 shares worth $1 each. So say retirement comes around and you put in $400,000 over the course of your career, once you go to withdrawal it will be worth.... $400,000.
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TexasRunner

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Re: Overheard at Work
« Reply #14756 on: September 01, 2016, 08:21:00 AM »
I was talking to someone that is in their late 30's about their 401k... They have been contributing for about 15 years but don't trust the stock market so the entire amount has gone directly to the "cash value" fund.

Could you explain what a cash value fund is. Everything I found looking it up talks about annuities.

It is similar to just using your 401k account as a savings account, just with even lower rates.  If savings accounts are running .5% interest return, you might get .4%.  Basically it is part of everyone's 401k and Roth accounts but are only *supposed* to be used to hold money between transactions or before you can allocate your deposit.  Leaving that much money sitting there is (1) losing out on long-term market growth of 7% or so and (2) losing money to inflation.

Overall just a terrible idea.

I found out one of my coworkers is leaving everything in his 401k in the cash value because he is waiting for the market to drop.  He has been doing this since 2011....
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Re: Overheard at Work
« Reply #14757 on: September 01, 2016, 11:18:13 AM »
At my place of work I hear absurdly anti-mustachian sentiments spoken all too often.  Ill have to refrain from publicly rebuking every single co-worker here. 

We regularly have potluck lunches (pitch-ins) at work to celebrate birthdays, holidays, etc.  Personally, I would rather skip the pitch-in and bring my own lunch, but I play nice and bring in a thoughtful contribution.  Today I made a crockpot full of meatballs.   

The reactions and contributions of my co-workers astound me.   

Coworker 1: Ill bring a bag of chips.  I cant afford to buy a dish that feeds 12 people.  Do you know how much that costs?? 
Backstory:  Hes mid-20s, married, and he and the wife still live with his parents.  He makes between $30-$40K.  He complains about being poor but buys every video game & computer game that catches his limited attention for 5 seconds.  He goes to the movies at least once a week. He gets fast food every day.
 
Last time we asked him to bring some veggies.  Easy, right?   Instead of cutting up some vegetables he BOUGHT a $20 pre-cut veggie tray with mostly withered vegetables that no one would eat. 

Coworker 2: I cant afford to contribute. You know I dont get paid enough!
Backstory: late 30s, divorced, lives with a roommate, makes $30-$40K.  I know she manages to afford a weekly spray tan.  She also gets a bi-weekly mani/pedi.  She shops often. Shes always dressed to the nines and has a mammoth size collection of clip in hair extensions to compliment any look.   Fast food every day.  And Im sure I would cringe if I ever saw her cigarette budget. 

Neither co-worker contributed today but they have no problem eating everyone else's contribution!

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Re: Overheard at Work
« Reply #14758 on: September 01, 2016, 11:24:40 AM »
At my place of work I hear absurdly anti-mustachian sentiments spoken all too often.  Ill have to refrain from publicly rebuking every single co-worker here. 

We regularly have potluck lunches (pitch-ins) at work to celebrate birthdays, holidays, etc.  Personally, I would rather skip the pitch-in and bring my own lunch, but I play nice and bring in a thoughtful contribution.  Today I made a crockpot full of meatballs.   

The reactions and contributions of my co-workers astound me.   

Coworker 1: Ill bring a bag of chips.  I cant afford to buy a dish that feeds 12 people.  Do you know how much that costs?? 
Backstory:  Hes mid-20s, married, and he and the wife still live with his parents.  He makes between $30-$40K.  He complains about being poor but buys every video game & computer game that catches his limited attention for 5 seconds.  He goes to the movies at least once a week. He gets fast food every day.
 
Last time we asked him to bring some veggies.  Easy, right?   Instead of cutting up some vegetables he BOUGHT a $20 pre-cut veggie tray with mostly withered vegetables that no one would eat. 

Coworker 2: I cant afford to contribute. You know I dont get paid enough!
Backstory: late 30s, divorced, lives with a roommate, makes $30-$40K.  I know she manages to afford a weekly spray tan.  She also gets a bi-weekly mani/pedi.  She shops often. Shes always dressed to the nines and has a mammoth size collection of clip in hair extensions to compliment any look.   Fast food every day.  And Im sure I would cringe if I ever saw her cigarette budget. 

Neither co-worker contributed today but they have no problem eating everyone else's contribution!

This one made me really angry. I think I need to stop reading this thread...

mm1970

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Re: Overheard at Work
« Reply #14759 on: September 01, 2016, 11:49:06 AM »
At my place of work I hear absurdly anti-mustachian sentiments spoken all too often.  Ill have to refrain from publicly rebuking every single co-worker here. 

We regularly have potluck lunches (pitch-ins) at work to celebrate birthdays, holidays, etc.  Personally, I would rather skip the pitch-in and bring my own lunch, but I play nice and bring in a thoughtful contribution.  Today I made a crockpot full of meatballs.   

The reactions and contributions of my co-workers astound me.   

Coworker 1: Ill bring a bag of chips.  I cant afford to buy a dish that feeds 12 people.  Do you know how much that costs?? 
Backstory:  Hes mid-20s, married, and he and the wife still live with his parents.  He makes between $30-$40K.  He complains about being poor but buys every video game & computer game that catches his limited attention for 5 seconds.  He goes to the movies at least once a week. He gets fast food every day.
 
Last time we asked him to bring some veggies.  Easy, right?   Instead of cutting up some vegetables he BOUGHT a $20 pre-cut veggie tray with mostly withered vegetables that no one would eat. 

Coworker 2: I cant afford to contribute. You know I dont get paid enough!
Backstory: late 30s, divorced, lives with a roommate, makes $30-$40K.  I know she manages to afford a weekly spray tan.  She also gets a bi-weekly mani/pedi.  She shops often. Shes always dressed to the nines and has a mammoth size collection of clip in hair extensions to compliment any look.   Fast food every day.  And Im sure I would cringe if I ever saw her cigarette budget. 

Neither co-worker contributed today but they have no problem eating everyone else's contribution!

Oh geez.

I used to organize potlucks at my old company.  We'd do them for holidays.  We had 30 people, and a variety of workers...mostly PhDs in their late 20's to 40's, but some engineers and some techs.

One friend was in her 40s and Chinese.  Each year, she and her husband and daughter would make homemade potstickers.  Then my Mexican friend would bring tamales or enchiladas (that his mom made).

I told the single guys to bring chips, soda, cookies, or ice cream. 

One year, my other single friend (early 30's) - well, she went to Costco, bought a bag of meatballs, bought sauce, and put it all in a crockpot in the morning.  My Chinese friend, who had spent 3 hours making potstickers...well, that was the last time she made potstickers for the potluck.

At my current company, I threw a potluck summer picnic because we went years without one (then the company laid off 5/6 of my people two weeks later).  We used to have a large night shift, and they ate together all the time.  They kept acquiring kitchen tools - toaster oven, electric skillet, rice cooker, crockpot, George Foreman...

People eating and not contributing would also tick me off.

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Re: Overheard at Work
« Reply #14760 on: September 01, 2016, 12:04:57 PM »
I've always found potlucks to be really wasteful.

We have 50 people in our office, lets say 30 people decide to go to the potluck.  20-25 of them will bring enough food for 5-10 (certainly way more than the amount of food they could eat on there own), a few people will forget or just not contribute, but not many.  Well now we have enough food for 100 people... 


I've tried to convince work that we should rotate who brings food for each potluck, rather than asking everyone every time- but the people who run these things think that everyone who goes to the pot should be bringing things. 

ender

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Re: Overheard at Work
« Reply #14761 on: September 01, 2016, 12:09:51 PM »
One friend was in her 40s and Chinese.  Each year, she and her husband and daughter would make homemade potstickers.  Then my Mexican friend would bring tamales or enchiladas (that his mom made).

I told the single guys to bring chips, soda, cookies, or ice cream. 

One year, my other single friend (early 30's) - well, she went to Costco, bought a bag of meatballs, bought sauce, and put it all in a crockpot in the morning.  My Chinese friend, who had spent 3 hours making potstickers...well, that was the last time she made potstickers for the potluck.

If one of my coworkers had told me at a potluck, as a "single guy" to just bring cheap crap to a potluck I would have been rather annoyed.

And I don't understand your lament of the person bringing meatballs/sauce and a crockpot. Crockpots are nearly perfect for work potlucks.

tomatops

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Re: Overheard at Work
« Reply #14762 on: September 01, 2016, 12:22:04 PM »
Canadian here: my boss was complaining for about 30 minutes out loud to me (obviously, this was worthy of stopping me from being productive) that her neighbours as her age, have a house just as big as hers, don't work, and are paying less tax because they've chosen not to work and are reaping child care tax benefits. Her rationale was it was BS because they were being unproductive members of society.

Secretly, I said to myself: "That couple represents everything I want." #SaveSaveSave

arebelspy

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Re: Overheard at Work
« Reply #14763 on: September 01, 2016, 12:51:29 PM »
I've always found potlucks to be really wasteful.

We have 50 people in our office, lets say 30 people decide to go to the potluck.  20-25 of them will bring enough food for 5-10 (certainly way more than the amount of food they could eat on there own), a few people will forget or just not contribute, but not many.  Well now we have enough food for 100 people... 


I've tried to convince work that we should rotate who brings food for each potluck, rather than asking everyone every time- but the people who run these things think that everyone who goes to the pot should be bringing things.
That's what we did at my elementary school. Kinder and first grade teachers bring it once, 2nd and 3rd, 4th and 5th, and specialists (PE, art, music, library) and support/office staff once.  You only bring stuff once, but get 4 potlucks.
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MightyMauler

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Re: Overheard at Work
« Reply #14764 on: September 01, 2016, 01:34:37 PM »
I've always found potlucks to be really wasteful.

We have 50 people in our office, lets say 30 people decide to go to the potluck.  20-25 of them will bring enough food for 5-10 (certainly way more than the amount of food they could eat on there own), a few people will forget or just not contribute, but not many.  Well now we have enough food for 100 people... 


I've tried to convince work that we should rotate who brings food for each potluck, rather than asking everyone every time- but the people who run these things think that everyone who goes to the pot should be bringing things.
That's what we did at my elementary school. Kinder and first grade teachers bring it once, 2nd and 3rd, 4th and 5th, and specialists (PE, art, music, library) and support/office staff once.  You only bring stuff once, but get 4 potlucks.

I learned long ago to make easy dishes for potlucks because most culinary efforts go unappreciated.  We do have way too much food now, but on the up side, I'm the only one here who eats leftovers so I'm set for the next week! 

antarestar

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Re: Overheard at Work
« Reply #14765 on: September 01, 2016, 01:46:25 PM »
Best potluck dish ever! I get asked for the recipe and requests to bring it. It tastes so much better than just 3 ingredients.

Cranberry Salad - aka super easy and special cranberry sauce.
2 cans whole berry cranberry
1 can mandarin oranges
1/2 cup toasted walnuts

A day or two before the potluck pour the cranberry in a large bowl and break it up. Stir in walnuts and then gently fold in mandarin oranges. Cover and put in fridge until mealtime.

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Re: Overheard at Work
« Reply #14766 on: September 01, 2016, 02:28:43 PM »
A coworker of mine is getting married in his hometown soon.  Most of his colleagues won't be able to make it so we had a Mexican barbeque to celebrate instead.  Per the requests of the hostess, I brought some homemade cheesesticks.  They taste amazing but they have to be consumed as soon as they come out of the oven.  You would have thought I was Martha Stewart the way people marveled at how I used the oven.  I'm glad they appreciated my efforts but that's hardly a skilled cooking endeavor.

Admittedly, it's pretty fun to offer someone a treat that wildly exceeds their expectations.  Cheese sticks are so "meh" most of time since they're usually made out of old pizza dough or something.  Good thing they're so much effort or I'd be making them all the time and be 10 lbs worse for it.

No one touched my shoo-fly-pie at the Thanksgiving potluck though.  People have no sense of adventure.

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Re: Overheard at Work
« Reply #14767 on: September 01, 2016, 02:32:14 PM »
One friend was in her 40s and Chinese.  Each year, she and her husband and daughter would make homemade potstickers.  Then my Mexican friend would bring tamales or enchiladas (that his mom made).

I told the single guys to bring chips, soda, cookies, or ice cream. 

One year, my other single friend (early 30's) - well, she went to Costco, bought a bag of meatballs, bought sauce, and put it all in a crockpot in the morning.  My Chinese friend, who had spent 3 hours making potstickers...well, that was the last time she made potstickers for the potluck.

If one of my coworkers had told me at a potluck, as a "single guy" to just bring cheap crap to a potluck I would have been rather annoyed.

And I don't understand your lament of the person bringing meatballs/sauce and a crockpot. Crockpots are nearly perfect for work potlucks.

Yeah, that seems super sexist to be mad at the woman for bringing pre-made meatballs, but only expecting single men to bring bring pre-made crap.  By extension, presumably the married men are expected to press their wives to make stuff for a potluck they won't even attend? 

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Re: Overheard at Work
« Reply #14768 on: September 01, 2016, 02:51:09 PM »
One friend was in her 40s and Chinese.  Each year, she and her husband and daughter would make homemade potstickers.  Then my Mexican friend would bring tamales or enchiladas (that his mom made).

I told the single guys to bring chips, soda, cookies, or ice cream. 

One year, my other single friend (early 30's) - well, she went to Costco, bought a bag of meatballs, bought sauce, and put it all in a crockpot in the morning.  My Chinese friend, who had spent 3 hours making potstickers...well, that was the last time she made potstickers for the potluck.

If one of my coworkers had told me at a potluck, as a "single guy" to just bring cheap crap to a potluck I would have been rather annoyed.

And I don't understand your lament of the person bringing meatballs/sauce and a crockpot. Crockpots are nearly perfect for work potlucks.
Yeah. Pop, soda.chips should be the domain of single mothers....

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Re: Overheard at Work
« Reply #14769 on: September 01, 2016, 02:56:03 PM »
No one touched my shoo-fly-pie at the Thanksgiving potluck though.  People have no sense of adventure.

Wait, what?!  Was it wet-bottom?  Seriously, I'd be all over that!  Mmmm... shoo-fly-pie..... *drools*

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Re: Overheard at Work
« Reply #14770 on: September 01, 2016, 02:57:36 PM »
One friend was in her 40s and Chinese.  Each year, she and her husband and daughter would make homemade potstickers.  Then my Mexican friend would bring tamales or enchiladas (that his mom made).

I told the single guys to bring chips, soda, cookies, or ice cream. 

One year, my other single friend (early 30's) - well, she went to Costco, bought a bag of meatballs, bought sauce, and put it all in a crockpot in the morning.  My Chinese friend, who had spent 3 hours making potstickers...well, that was the last time she made potstickers for the potluck.

If one of my coworkers had told me at a potluck, as a "single guy" to just bring cheap crap to a potluck I would have been rather annoyed.

And I don't understand your lament of the person bringing meatballs/sauce and a crockpot. Crockpots are nearly perfect for work potlucks.

Yeah, that seems super sexist to be mad at the woman for bringing pre-made meatballs, but only expecting single men to bring bring pre-made crap.  By extension, presumably the married men are expected to press their wives to make stuff for a potluck they won't even attend?

I think you're missing the point--he was expecting the woman to bring chips or similar. Instead she brought something that required no effort and one-upped the potstickers.

That is how I interpretted it, anyways.

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Re: Overheard at Work
« Reply #14771 on: September 01, 2016, 09:22:14 PM »
That's what we did at my elementary school. Kinder and first grade teachers bring it once, 2nd and 3rd, 4th and 5th, and specialists (PE, art, music, library) and support/office staff once.  You only bring stuff once, but get 4 potlucks.
Sounds like a fascinating sociological experiment. Did anyone eat the PE teacher's stuff ? Do kinder teachers eat glue ?

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Re: Overheard at Work
« Reply #14772 on: September 01, 2016, 11:19:11 PM »
No one touched my shoo-fly-pie at the Thanksgiving potluck though.  People have no sense of adventure.

Wait, what?!  Was it wet-bottom?  Seriously, I'd be all over that!  Mmmm... shoo-fly-pie..... *drools*

So now you need to have a sense of adventure to eat PIE?  Did they think it was actually made of flies?

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Re: Overheard at Work
« Reply #14773 on: September 02, 2016, 12:05:45 AM »
That's what we did at my elementary school. Kinder and first grade teachers bring it once, 2nd and 3rd, 4th and 5th, and specialists (PE, art, music, library) and support/office staff once.  You only bring stuff once, but get 4 potlucks.
Sounds like a fascinating sociological experiment. Did anyone eat the PE teacher's stuff ? Do kinder teachers eat glue ?
Surprisingly, the ratio of edible stuff was about what I'd expect from the normal population.
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Re: Overheard at Work
« Reply #14774 on: September 02, 2016, 08:58:36 AM »
Best potluck dish ever! I get asked for the recipe and requests to bring it. It tastes so much better than just 3 ingredients.

Cranberry Salad - aka super easy and special cranberry sauce.
2 cans whole berry cranberry
1 can mandarin oranges
1/2 cup toasted walnuts

A day or two before the potluck pour the cranberry in a large bowl and break it up. Stir in walnuts and then gently fold in mandarin oranges. Cover and put in fridge until mealtime.

Yum!  Thanks for reminding me of something similar I had years ago.  Used fresh oranges, though mandarin would work just as well, especially for potluck because it's so easy.

I have a fellow special ed teacher who never brings anything to our Christmas and Cinco de Mayo potlucks.  It's now a running joke, and I still invite him to eat.  (Mostly out of guilt- I know they pay him a pittance for whatever reason.  Not that I make so much, it's just more than him.)
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Re: Overheard at Work
« Reply #14775 on: September 02, 2016, 09:11:25 AM »
No one touched my shoo-fly-pie at the Thanksgiving potluck though.  People have no sense of adventure.

Wait, what?!  Was it wet-bottom?  Seriously, I'd be all over that!  Mmmm... shoo-fly-pie..... *drools*

So now you need to have a sense of adventure to eat PIE?  Did they think it was actually made of flies?

Surprisingly yes, people were put off by the name and just went for the sure thing, like chocolate pudding pie or something. I don't think calling it "Amish molasses pie" would have resulted in more takers.

And no, the pie was moist at best but not wet. Funny story, I called my 80 year old grandma to get her recipe and she told me to to Google Amish shoo-fly-pie. She's rediscovered her love of cooking with all the internet recipes at her finger tips but I guess the rest of us have lost the special unique details hidden in the carefully saved index cards.

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Re: Overheard at Work
« Reply #14776 on: September 02, 2016, 09:47:16 AM »
I've always found potlucks to be really wasteful.

We have 50 people in our office, lets say 30 people decide to go to the potluck.  20-25 of them will bring enough food for 5-10 (certainly way more than the amount of food they could eat on there own), a few people will forget or just not contribute, but not many.  Well now we have enough food for 100 people... 


I've tried to convince work that we should rotate who brings food for each potluck, rather than asking everyone every time- but the people who run these things think that everyone who goes to the pot should be bringing things.

My neighborhood has a potluck every Sunday night.  We do pretty well by now.  There are generally minimal leftovers.  I had a bunch of leftover carrot salad this week, which was awesome, because I ate it for lunch.

Proud Foot

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Re: Overheard at Work
« Reply #14777 on: September 02, 2016, 02:12:31 PM »
Our payroll manager came to me today asking what we needed to do. Today is payday and an employee received a live check but it got rejected at a check cashing place.  The employee called the manager freaking out and the manager asked why they didn't go to the bank our corporate bank accounts are with.  It turns out the employee has an account with the same bank but it is so overdrawn that if they took the check there to cash it the bank would take the whole paycheck to apply to their overdrawn account.

kayvent

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Re: Overheard at Work
« Reply #14778 on: September 02, 2016, 05:58:11 PM »
Our payroll manager came to me today asking what we needed to do. Today is payday and an employee received a live check but it got rejected at a check cashing place.  The employee called the manager freaking out and the manager asked why they didn't go to the bank our corporate bank accounts are with.  It turns out the employee has an account with the same bank but it is so overdrawn that if they took the check there to cash it the bank would take the whole paycheck to apply to their overdrawn account.

As mentioned in the inheritance thread I literally don't understand some of these scenarios. I make over 5K/month and when I applied for overdraft at my bank they offered me a 250$ limit. It charges 24%/year interest and has a 5$/day fee if the overdraft lasts longer than one calendar day.

I understand that usury and interest collecting is how these banks make make money but at the same time I can't understand how they are willing to lend such grave amounts to people.

socalteacher

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Re: Overheard at Work
« Reply #14779 on: September 02, 2016, 08:47:34 PM »
Last year I had a parent want to donate money to my class so that we could purchase a few Chromebooks for the kids to use. They donated the money and then I went about ordering the CB's through our purchasing department. Turns out one CB was going to cost about $700. I could get the identical CB on Amazon for about $250. The extra money was the service fee we had to pay for some company to maintain the machine or something like that. What a waste . The thing that sucked the most was that I could not give the money back to the parents to buy on their own and donate directly to my class. Once donated it is gone for good.

One more. We have access to 403b retirement accounts and a colleague shared his statements with me. He was paying outrageous fees and his account was severely lacking in growth for the amount of time he had been investing. I shared my roth account at VG for the same time frame to give him an idea of how much fees impact growth. I showed him where to move his money and what his best options were for a low cost everything fund, like a 2045 retirement, etc. A year later and he still has not done anything to change it. 

nobodyspecial

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Re: Overheard at Work
« Reply #14780 on: September 03, 2016, 05:38:47 AM »

As mentioned in the inheritance thread I literally don't understand some of these scenarios. I make over 5K/month and when I applied for overdraft at my bank they offered me a 250$ limit. It charges 24%/year interest and has a 5$/day fee if the overdraft lasts longer than one calendar day.

I understand that usury and interest collecting is how these banks make make money but at the same time I can't understand how they are willing to lend such grave amounts to people.
Banks have pretty much given up on ending to people, except for mortgages, credit cards are much more profitable for them than a personal loan.

kayvent

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Re: Overheard at Work
« Reply #14781 on: September 03, 2016, 05:55:57 AM »

As mentioned in the inheritance thread I literally don't understand some of these scenarios. I make over 5K/month and when I applied for overdraft at my bank they offered me a 250$ limit. It charges 24%/year interest and has a 5$/day fee if the overdraft lasts longer than one calendar day.

I understand that usury and interest collecting is how these banks make make money but at the same time I can't understand how they are willing to lend such grave amounts to people.
Banks have pretty much given up on ending to people, except for mortgages, credit cards are much more profitable for them than a personal loan.

And I guess I am mistaken. They make x% of each transaction on the credit card. So usury, interest, and a middle-man fee ;)

Zaga

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Re: Overheard at Work
« Reply #14782 on: September 03, 2016, 06:48:49 AM »

As mentioned in the inheritance thread I literally don't understand some of these scenarios. I make over 5K/month and when I applied for overdraft at my bank they offered me a 250$ limit. It charges 24%/year interest and has a 5$/day fee if the overdraft lasts longer than one calendar day.

I understand that usury and interest collecting is how these banks make make money but at the same time I can't understand how they are willing to lend such grave amounts to people.
Banks have pretty much given up on ending to people, except for mortgages, credit cards are much more profitable for them than a personal loan.

And I guess I am mistaken. They make x% of each transaction on the credit card. So usury, interest, and a middle-man fee ;)
I deal with a few hundred business bank accounts daily.  I'm firmly convinced by what I see that a *huge* chunk of what banks earn comes from absolutely outrageous fees on business accounts.

Regular Guy

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Re: Overheard at Work
« Reply #14783 on: September 03, 2016, 08:41:39 AM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".

Deployment money goes to some people's heads.  Guess I'm boring for saving/investing mine.

nobodyspecial

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Re: Overheard at Work
« Reply #14784 on: September 03, 2016, 10:08:55 AM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

esq

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Re: Overheard at Work
« Reply #14785 on: September 03, 2016, 12:50:22 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Made me LMAO for real and I woke up both cats.
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TheGrimSqueaker

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Re: Overheard at Work
« Reply #14786 on: September 03, 2016, 05:36:33 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Isn't military command supposed to require some kind of aptitude in logistics and strategy?
I squeak softly, but carry a big schtick.

nobodyspecial

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Re: Overheard at Work
« Reply #14787 on: September 03, 2016, 06:41:54 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Isn't military command supposed to require some kind of aptitude in logistics and strategy?
I suppose they could be in procurement.

TheGrimSqueaker

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Re: Overheard at Work
« Reply #14788 on: September 03, 2016, 09:20:33 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Isn't military command supposed to require some kind of aptitude in logistics and strategy?
I suppose they could be in procurement.
In which case, after they retire from the military and cash in on the quid pro quo job offer from one of the companies they made sure to over-buy from, $100k on a car is going to be chicken feed.
I squeak softly, but carry a big schtick.

nanu

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Re: Overheard at Work
« Reply #14789 on: September 04, 2016, 01:05:15 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".

Deployment money goes to some people's heads.  Guess I'm boring for saving/investing mine.
To be completely honest, I've always wanted an Aston Martin...
Just two days ago, my girlfriend and I talked about it, and figured that given our current savings rate, we could purchase one and it would only delay retirement by about a year (depending on if new or used, and what model, obviously).
Maybe in 7-10 years, when I'll be FI, I'll consider doing that, but I hope I won't...
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SwordGuy

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Re: Overheard at Work
« Reply #14790 on: September 04, 2016, 03:32:20 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Made me LMAO for real and I woke up both cats.

Too funny!  I woke up all four cats and startled my wife!

BlueHouse

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Re: Overheard at Work
« Reply #14791 on: September 04, 2016, 04:49:01 PM »
From a single Captain (Army) I work with who had saved $100,000 and had it all in his checking account "I'm going to buy a Porsche 911 but I'm bummed I can't afford the turbo"

Another Captain I work with who is married was looked at used $80,000 Aston Martins because he wants a "fun car".
At least they aren't in jobs where the inability to make a plan with any sort of strategic foresight is important

Made me LMAO for real and I woke up both cats.

Too funny!  I woke up all four cats and startled my wife!

Is there a word for the type of laugh that jumps out of your mouth in an inappropriate place (work, church, near 4 sleeping cats)?  They usually escape in a short burst before you're able to contain and hide it.   

There should be an associated word that means the same thing but ends with uncontrollable shaking of the body until the laugh dies internally. 

I really need these words to describe what happens to me at work.   
Sometimes nothing can be a real cool hand

With This Herring

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Re: Overheard at Work
« Reply #14792 on: September 04, 2016, 06:35:54 PM »
Made me LMAO for real and I woke up both cats.

Too funny!  I woke up all four cats and startled my wife!

Is there a word for the type of laugh that jumps out of your mouth in an inappropriate place (work, church, near 4 sleeping cats)?  They usually escape in a short burst before you're able to contain and hide it.   

There should be an associated word that means the same thing but ends with uncontrollable shaking of the body until the laugh dies internally. 

I really need these words to describe what happens to me at work.   

For the first one, I think "guffaw" might work.
Go soak your beans.  You know you keep forgetting.

BlueHouse

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Re: Overheard at Work
« Reply #14793 on: September 04, 2016, 07:32:37 PM »
Too funny!  I woke up all four cats and startled my wife!

Is there a word for the type of laugh that jumps out of your mouth in an inappropriate place (work, church, near 4 sleeping cats)?  They usually escape in a short burst before you're able to contain and hide it.   

There should be an associated word that means the same thing but ends with uncontrollable shaking of the body until the laugh dies internally. 

I really need these words to describe what happens to me at work.   

For the first one, I think "guffaw" might work.
I think with guffaw there is an openness that you can't have at work.  The laugh is contained and reined in. 

How about Guff-arble?  guffarble?  And possibly guffarble-quake? 
Sometimes nothing can be a real cool hand

zolotiyeruki

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Re: Overheard at Work
« Reply #14794 on: September 04, 2016, 08:03:03 PM »
Is there a word for the type of laugh that jumps out of your mouth in an inappropriate place (work, church, near 4 sleeping cats)?  They usually escape in a short burst before you're able to contain and hide it.   

There should be an associated word that means the same thing but ends with uncontrollable shaking of the body until the laugh dies internally. 

I really need these words to describe what happens to me at work.   
I can't think of a single word, but the phrase "sides heaving with barely-suppressed laughter" comes to mind.

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Re: Overheard at Work
« Reply #14795 on: September 05, 2016, 02:07:35 AM »

I think with guffaw there is an openness that you can't have at work.  The laugh is contained and reined in. 

How about Guff-arble?  guffarble?  And possibly guffarble-quake?

I compel you to search for the video 'giggle loop' from the show Coupling. (I'm at work so can't search and link).

nnls

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Re: Overheard at Work
« Reply #14796 on: September 05, 2016, 02:31:22 AM »

I think with guffaw there is an openness that you can't have at work.  The laugh is contained and reined in. 

How about Guff-arble?  guffarble?  And possibly guffarble-quake?

I compel you to search for the video 'giggle loop' from the show Coupling. (I'm at work so can't search and link).

I was about to comment the same thing

https://www.snotr.com/video/6244/The_Giggle_Loop

former player

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Re: Overheard at Work
« Reply #14797 on: September 05, 2016, 02:55:15 AM »
Is there a word for the type of laugh that jumps out of your mouth in an inappropriate place (work, church, near 4 sleeping cats)?  They usually escape in a short burst before you're able to contain and hide it.   

There should be an associated word that means the same thing but ends with uncontrollable shaking of the body until the laugh dies internally. 

I really need these words to describe what happens to me at work.   

Corpsing (as in, an actor getting the giggles on stage while playing a corpse).  Of which the classic example (you do not need to understand cricket for this one)-

https://www.youtube.com/watch?v=KsVTpX7LdZQ
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Re: Overheard at Work
« Reply #14798 on: September 05, 2016, 04:37:48 AM »

As mentioned in the inheritance thread I literally don't understand some of these scenarios. I make over 5K/month and when I applied for overdraft at my bank they offered me a 250$ limit. It charges 24%/year interest and has a 5$/day fee if the overdraft lasts longer than one calendar day.

I understand that usury and interest collecting is how these banks make make money but at the same time I can't understand how they are willing to lend such grave amounts to people.
Banks have pretty much given up on ending to people, except for mortgages, credit cards are much more profitable for them than a personal loan.

And I guess I am mistaken. They make x% of each transaction on the credit card. So usury, interest, and a middle-man fee ;)
I deal with a few hundred business bank accounts daily.  I'm firmly convinced by what I see that a *huge* chunk of what banks earn comes from absolutely outrageous fees on business accounts.

Many of us have our own business. I believe my biz acct (no monthly mins or fees, NSF is $29, after my 10 or 20 paper checks is 10 cents to cash) is good with fees. Would you please go into more details about these outrageous fees.

theadvicist

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Re: Overheard at Work
« Reply #14799 on: September 05, 2016, 05:01:21 AM »
I too see outrageous business bank fees.

I use my UK bank for both business and personal accounts.

Recently, on my personal account, I was offered 3% cashback for all Direct Debits, for a monthly fee of 3. I get about 8 a month back. So 5 a month, given to me, for free.

Recently, on our business account (high turnover, many transactions), I was told our average monthly charges would go up from c. 9 a month, to nearer 19 a month.

So I definitely see it being weighted against businesses, with them subsidising 'free' or, 'more than free' personal bank accounts.

As an example, the business bank account will soon charge a fee for automated payments in or out. These used to be free, with charges for withdrawing over the counter, or for banking a cheque. They wanted to encourage people to switch to methods cheaper for them to process. Now everyone's made the switch, they've lost the revenue the 'older' ways generated, so they are charging for the new ways.

35p per automated transaction in or out
18p per BACS payment (this makes payday even more expensive!)
70p per 100 for cash in or out
70p per transaction over the counter
minimum charge 5 a month

Yes, I've looked at switching. Now clients pay into our account directly, switching becomes more of an issue. It seems the only way to get 'free' business banking is to switch every 12 months - it's not worth inconveniencing our clients with new bank details. I can't find anywhere with a long-term offering that's substantially cheaper.