Author Topic: Overheard at Work  (Read 8771751 times)

RetiredAt63

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Re: Overheard at Work
« Reply #14950 on: September 18, 2016, 06:32:53 PM »

TL;DR: Climate change is happening; you can tell because people who stand to lose money if we ignore it are saying so.

I used to find more climate change information in the business section of the paper than the (almost non-existent) science section.  When a forestry company chooses which trees to use in its re-forestry projects it is making decisions based on projected climate change.

mustachepungoeshere

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Re: Overheard at Work
« Reply #14951 on: September 18, 2016, 09:05:18 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.

nnls

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Re: Overheard at Work
« Reply #14952 on: September 18, 2016, 09:08:22 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.

I dont think all my shoes combined would cost $500

nobodyspecial

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Re: Overheard at Work
« Reply #14953 on: September 18, 2016, 09:12:56 PM »
I dont think all my shoes combined would cost $500
Well that would be an awful lot of thongs !
 

Playing with Fire UK

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Re: Overheard at Work
« Reply #14954 on: September 18, 2016, 09:31:55 PM »
Regarding a 100 year flood zone and a 30 year mortgage, the odds of the house flooding while being owned by the bank is 30%. I know it's obvious when it's spelled out, but most people don't put two and two together. They only are unhappy when the lender requires them to purchase flood insurance.

It doesn't quite work out like that.  If you own a house for 100 years you don't have 100% chance of it flooding.  Just like if you roll a die once, you have a 1/6 chance of rolling a 6, but two rolls doesn't equal 2/6 odds, or else 6 rolls would be 6/6 (100%) chance of rolling a 6.

Mustache Math!  :D It pervades this forum...

That's not how it works, apparently, but if you have a 1/100 chance every year, then over 30 years you have a 26% chance, which is not that different from 30%.  So you can quibble about the calculations, but either way the bank is taking a big risk.

The other thing to remember is that when you draw the 100 year flood zone, the likelihood is only 1/100 years at the far extent of the zone, any closer to the river/low point and you're in a higher risk zone. So you could say that the river bank was 'in the 100 year flood zone' and it could flood every time it rains. Most places in a 100 year flood zone have a higher than 1/100 risk of flooding every year.

MrMoogle

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Re: Overheard at Work
« Reply #14955 on: September 19, 2016, 09:52:22 AM »
Regarding a 100 year flood zone and a 30 year mortgage, the odds of the house flooding while being owned by the bank is 30%. I know it's obvious when it's spelled out, but most people don't put two and two together. They only are unhappy when the lender requires them to purchase flood insurance.

It doesn't quite work out like that.  If you own a house for 100 years you don't have 100% chance of it flooding.  Just like if you roll a die once, you have a 1/6 chance of rolling a 6, but two rolls doesn't equal 2/6 odds, or else 6 rolls would be 6/6 (100%) chance of rolling a 6.

Mustache Math!  :D It pervades this forum...

That's not how it works, apparently, but if you have a 1/100 chance every year, then over 30 years you have a 26% chance, which is not that different from 30%.  So you can quibble about the calculations, but either way the bank is taking a big risk.

The other thing to remember is that when you draw the 100 year flood zone, the likelihood is only 1/100 years at the far extent of the zone, any closer to the river/low point and you're in a higher risk zone. So you could say that the river bank was 'in the 100 year flood zone' and it could flood every time it rains. Most places in a 100 year flood zone have a higher than 1/100 risk of flooding every year.
The 26% number is calculated 1-e^(-p*t), this is the probability that it happens, not the probability it happens exactly once.  The expected value is still 0.3 (p*t).  In that 26%, there's a chance for it to have happened 100 times in those 30 years. 

Like in the dice rolling, the expected value when rolling 6 times is 1, but 0 is possible and up to 6 is possible.  In that case, there's a 67% chance that any given number happens.

Digital Dogma

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Re: Overheard at Work
« Reply #14956 on: September 19, 2016, 01:32:48 PM »
We've had two 1/500 year floods here in the past 40 years, and about 3 1/100 year floods.
Indeed.  I've heard similar things often. 

And I'd question the accuracy not only due to data limitations, as mentioned above, but (even if those were all accurate and 100% known) due to the ability to project forward based on them, mostly due to the climate changing.

Keep in mind depending on the geographic area the "500 year flood" covers, it's not really unexpected that they wouldn't happen.

If for example you split the USA up into 500 pieces, you'd get a "500 year flood" about every year, give or take, and it wouldn't be overly surprising statistically.
The frequency of these floods based on historical trends does little to account for the fact that we've been taking land that has traditionally retained or absorbed storm water, and we're paving it over so its impermeable. As a result, we end up collecting all that storm water in catch basins and dumping it into the nearest body of water (polluting our rivers every time it rains). Thats only going to make things worse during a flood. I like what they're trying to do in Milwaukee by tearing up old stormwater trenches made of concrete, and adding grasses and plants to a permeable trench system so they tend to drain and retain water during the beginning of any rain event, and channel water out of the city to the treatment facility during long/heavy rain events.

Debts_of_Despair

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Re: Overheard at Work
« Reply #14957 on: September 19, 2016, 04:49:09 PM »
Feel free to start a new thread about flood insurance. :)

ender

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Re: Overheard at Work
« Reply #14958 on: September 19, 2016, 06:04:19 PM »
A new thread?

pffft there are multiple mini-threads in this one already :P

esq

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Re: Overheard at Work
« Reply #14959 on: September 19, 2016, 07:21:56 PM »
This happened over the course of the past few weeks with a coworker.  Guy probably makes $100K.

Him:  I'm glad fall is almost here, I'm tired of being broke all the time.
Me:  Say huh?
Him: Yeah, I'm spending like $150 a weekend in fuel for my boat.  The slip (boat parking spot) is like another $200 a month. 
Me:  Wow, I had no idea it cost that much.
Him:  Yeah, I think next week I'll pay to have it winterized and put it into storage.
Me:  Oh, how much does that cost?
Him:  I think the winterizing cost $200, then it's only $80/month for indoor storage.
Me:  Oh.  OK.

About a week later...

Me:  Done boating for the year?
Him:  Yeah, but I think I'm going to sell my boat.
Me:  Tired of spending money on it?
Him:  Kinda.  I think I'm going to sell it and get a newer one with an aluminum trailer so I don't have to buy a F250.  I don't like towing mine with my F150.
Me:  How much does that thing weigh?
Him:  About 10K loaded.  I only get about 8 MPG pulling it.
Me:  I wouldn't want to do that either.
Him:  I figure I can probably sell my boat for $15K, but I hate to do it because I have some equity in it, and a new one will be about $35K.  Can't buy a F250 for $20K, amiright!
Me:  Well, good luck.

Ugh.  That was painful to read.  Imagine it's even worse in person.

LeRainDrop

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Re: Overheard at Work
« Reply #14960 on: September 19, 2016, 08:55:45 PM »
Feel free to start a new thread about flood insurance. :)

What does the black box say?  How about the orange box?   These floods are foamy!

dragoncar

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Re: Overheard at Work
« Reply #14961 on: September 19, 2016, 10:02:20 PM »
Feel free to start a new thread about flood insurance. :)

feel free to start a new thread about new threads

arebelspy

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Re: Overheard at Work
« Reply #14962 on: September 20, 2016, 01:38:02 AM »
Feel free to start a new thread about flood insurance. :)

feel free to start a new thread about new threads

Feel free to just put anything and everything into the Overheard at Work thread.
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ender

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Re: Overheard at Work
« Reply #14963 on: September 20, 2016, 06:12:11 AM »
We have a "personal finance" presentation today at work, probably will provide good content for this thread..

jinga nation

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Re: Overheard at Work
« Reply #14964 on: September 20, 2016, 06:25:45 AM »
Not overheard but a corporate HR email regarding 2017 benefits has a bullet on the offer to cash out upto 40 hours of leave time. I'd love to see the 2017 metrics in 2018 to know how many of my co-workers cashed out. And why, and what did they spend the money on... but I can easily predict that based on past performance, with p>0.5.
Who am I kidding? Fuck that saving shit, it'll be p>0.7.

Playing with Fire UK

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Re: Overheard at Work
« Reply #14965 on: September 20, 2016, 07:01:42 AM »
Regarding a 100 year flood zone and a 30 year mortgage, the odds of the house flooding while being owned by the bank is 30%. I know it's obvious when it's spelled out, but most people don't put two and two together. They only are unhappy when the lender requires them to purchase flood insurance.

It doesn't quite work out like that.  If you own a house for 100 years you don't have 100% chance of it flooding.  Just like if you roll a die once, you have a 1/6 chance of rolling a 6, but two rolls doesn't equal 2/6 odds, or else 6 rolls would be 6/6 (100%) chance of rolling a 6.

Mustache Math!  :D It pervades this forum...

That's not how it works, apparently, but if you have a 1/100 chance every year, then over 30 years you have a 26% chance, which is not that different from 30%.  So you can quibble about the calculations, but either way the bank is taking a big risk.

The other thing to remember is that when you draw the 100 year flood zone, the likelihood is only 1/100 years at the far extent of the zone, any closer to the river/low point and you're in a higher risk zone. So you could say that the river bank was 'in the 100 year flood zone' and it could flood every time it rains. Most places in a 100 year flood zone have a higher than 1/100 risk of flooding every year.
The 26% number is calculated 1-e^(-p*t), this is the probability that it happens, not the probability it happens exactly once.  The expected value is still 0.3 (p*t).  In that 26%, there's a chance for it to have happened 100 times in those 30 years. 

Like in the dice rolling, the expected value when rolling 6 times is 1, but 0 is possible and up to 6 is possible.  In that case, there's a 67% chance that any given number happens.

The point I'm making is that most places within the 500 year flood zone are also in the 450 year flood zone, many will be in the 300 year flood zone etc. If you are in the 500 year flood zone then your absolute best case scenario is that you expect an average of one flood in 500 years. You might be doing your maths based on a 1 in 500 year event, but not realising that you should be doing it based on a 1 in 300 year event.

The river bank doesn't flood every month because of random chance, it floods every month because it has a really high likelihood of flooding.

It is like rolling a die and looking for 'a three or more', not like rolling a die looking for a six.

Kitsunegari

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Re: Overheard at Work
« Reply #14966 on: September 20, 2016, 08:01:58 AM »
We have a "personal finance" presentation today at work, probably will provide good content for this thread..

Looking forward to hear about this!

RWD

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Re: Overheard at Work
« Reply #14967 on: September 20, 2016, 08:08:13 AM »
Not overheard but a corporate HR email regarding 2017 benefits has a bullet on the offer to cash out upto 40 hours of leave time. I'd love to see the 2017 metrics in 2018 to know how many of my co-workers cashed out. And why, and what did they spend the money on... but I can easily predict that based on past performance, with p>0.5.
Who am I kidding? Fuck that saving shit, it'll be p>0.7.

My company allows you to sell back sick time at the end of the year, also up to 40 hours. I sell mine back pretty much every year because I haven't been using it.

mtn

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Re: Overheard at Work
« Reply #14968 on: September 20, 2016, 08:45:04 AM »
Not overheard but a corporate HR email regarding 2017 benefits has a bullet on the offer to cash out upto 40 hours of leave time. I'd love to see the 2017 metrics in 2018 to know how many of my co-workers cashed out. And why, and what did they spend the money on... but I can easily predict that based on past performance, with p>0.5.
Who am I kidding? Fuck that saving shit, it'll be p>0.7.

My company allows you to sell back sick time at the end of the year, also up to 40 hours. I sell mine back pretty much every year because I haven't been using it.

Wish we had that, but at least we have a very generous vacation policy here. At my old job, where we had a horrible vacation policy (it has improved since I left), I'd often use sick days as a mental health day. Kinda needed it too.

marcela

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Re: Overheard at Work
« Reply #14969 on: September 20, 2016, 12:40:40 PM »
Not overheard but a corporate HR email regarding 2017 benefits has a bullet on the offer to cash out upto 40 hours of leave time. I'd love to see the 2017 metrics in 2018 to know how many of my co-workers cashed out. And why, and what did they spend the money on... but I can easily predict that based on past performance, with p>0.5.
Who am I kidding? Fuck that saving shit, it'll be p>0.7.

My company allows you to sell back sick time at the end of the year, also up to 40 hours. I sell mine back pretty much every year because I haven't been using it.
We can cash out 16 vacation hours in December and I do it every year. I'd cash out a heck of a lot more if it were allowed. However we accrue 4 hours sick/6 hours vacation a pay period. I will have 194/vacation and 98.5/sick at year's end, even with planned deductions for the cashout and holiday travels.

paddedhat

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Re: Overheard at Work
« Reply #14970 on: September 20, 2016, 01:33:39 PM »
[Tangentially related to my biggest pet peeve about most modern construction. Cheap, shoddy construction hidden beneath a shiny veneer.

I'll second that. Anecdotes I know.

Watched a roofing crew put new shingles on an old house a few years back. No roofing felt under the shingles.

Replaced a door+frame on my house recently. Discovered builders did not wrap the house. Did not attach door frame to the studs. Did not put anything under the door threshold to shed water or seal out water.

Basically build it as quickly as possible and sell it. Our house is okay and problems are getting corrected as we do maintenance like replace HVAC, doors, floors, etc. Well I mean we are doing them to a higher standard than the builders originally did.

Nothing wrong with skipping the felt, IF you don't have shingles blowing off, due to high wind.  Unlike house wrap, felt is there as a nothing but a pre-installed tarp, for a damaged roof. Personally, I never roof without 30LB felt, and ice and water shield under shingles, but I know that 99.9% of the felt I installed will never do a thing for the building it's nailed to.  The whole failure to protect the subfloor under the door thing, just amazes me. I have been using rubber flashing under doors for decades, and every new framer I hire asks, "what's that for?" Given that a lot of new pre-hung exterior doors with adjustable sills, leak right from the factory, I can't believe that it's rare to see anybody actually install them correctly.  Finally, believe it or not, with the wet garbage that passes for framing lumber lately,  shimming and nailing the door frame to the jack studs is often a bad idea. If you install the unit by face nailing the brickmold with galvanized #12 finish nails, you have a much better shot of correcting a non-functional door, as the house dries out and "settles".  You can usually bring a door frame back into alignment with carefully concealed, long screws, IF you haven't shimmed it and nailed it tight to the jacks. Generally I agree with your thoughts. I built new places for three decades, am closing on the sale of my three year old, personal home in a few days, and wouldn't mind ending up in a nice mid-century fixer-upper that has real hardwood floors and a full brick/stone exterior. I'm soooo tired of chipboard and vinyl siding that I could puke.

boarder42

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Re: Overheard at Work
« Reply #14971 on: September 20, 2016, 02:04:09 PM »
Not overheard but a corporate HR email regarding 2017 benefits has a bullet on the offer to cash out upto 40 hours of leave time. I'd love to see the 2017 metrics in 2018 to know how many of my co-workers cashed out. And why, and what did they spend the money on... but I can easily predict that based on past performance, with p>0.5.
Who am I kidding? Fuck that saving shit, it'll be p>0.7.

My company allows you to sell back sick time at the end of the year, also up to 40 hours. I sell mine back pretty much every year because I haven't been using it.
We can cash out 16 vacation hours in December and I do it every year. I'd cash out a heck of a lot more if it were allowed. However we accrue 4 hours sick/6 hours vacation a pay period. I will have 194/vacation and 98.5/sick at year's end, even with planned deductions for the cashout and holiday travels.

i spend every PTO hour i get and then some by flexing time.  thats my time i make enough and my company ESOP is really my driving force to reach FIRE so i'm taking all the time off i can get.  may drop to 4-8s when we have kids in a couple years.  i'd do it now but i need some socially acceptable reason.

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Re: Overheard at Work
« Reply #14972 on: September 20, 2016, 02:19:16 PM »
We've had two 1/500 year floods here in the past 40 years, and about 3 1/100 year floods.
Indeed.  I've heard similar things often. 

And I'd question the accuracy not only due to data limitations, as mentioned above, but (even if those were all accurate and 100% known) due to the ability to project forward based on them, mostly due to the climate changing.

Quote
The new (proposed) 100 year flood zone would have put 1/4 of the city (including the national mall, any fed buildings and almost all of the SW quadrant underwater once every 100 years.

I think you all (and a lot of officials) fall for a common misconception here.
A 100 Year flood does not mean you get a flood every 100 years. It means the HIGHEST flood in 100 years is this amount.
There is nothing in this statistic saying you cant have 3 100-year floods (3 times the water gets that high) in one year. Or 50 times a 99year-high flood in 100 years.

My 2 cents: If you want a realistic danger, go for the 10 or at most 20 year flood. 20 year is what german drainage in cities is build for btw. And about once a month a city is flooded because the drainage cant keep up. Because there is more then 1 city.

GOOD point.  Bottom line is you can't really predict this stuff ... You can look at historical records but it's really hard to make odds on black swans.  Insurance companies try, but I'm not convinced they do a great job

Also, fault tends to be bursty, and it cascades.

Bursty fault: some weird weather patterns occur in a region and cause unusually wet weather, resulting in a 10-year, 20-year, and 100-year flood within a 5-year span. Then the weather pattern adjusts and just after people panic and build a massive flood control wall, the climate gets suddenly dry and stays that way for a decade.

Cascading fault: a 100-year flood takes out a levee that would have protected a city against the normal seasonal flooding, but the storm sewer system is only designed to handle normal seasonal water levels with the assumption that the levee is in place. With the levee no longer providing protection, ordinary weather patterns now overwhelm the storm sewer system, resulting in 10-year, 5-year, and 20-year flood levels in a region that was formerly protected. The statistical model should change in response to loss of a flood control mechanism.

scottish

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Re: Overheard at Work
« Reply #14973 on: September 20, 2016, 03:33:26 PM »
A Bayesian would say that if you had a flood once, you're gonna have a flood again.   ...   Ok, she might not say that, but that's the essence.

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Re: Overheard at Work
« Reply #14974 on: September 21, 2016, 06:16:35 AM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

Kitsune

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Re: Overheard at Work
« Reply #14975 on: September 21, 2016, 09:19:36 AM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

*shrugs* I have 2 pairs of boots and a pair of shoes that cost 300$+ each. Granted, I bought them 8 years ago, and am still wearing them and wouldn't buy more (also known as: 1 pair of expensive heels, maintained, rather than 3 cheap pairs a year, costs less in the long run, and my feet never hurt).

 Shoes aren't necessarily Evil. But lord, I wouldn't give someone a walk-through of my closet and give price listings; that's just vulgar. And I wouldn't date someone who does that, either.

MgoSam

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Re: Overheard at Work
« Reply #14976 on: September 21, 2016, 12:16:13 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

I agree, that would be a red flag.

nobodyspecial

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Re: Overheard at Work
« Reply #14977 on: September 21, 2016, 12:28:03 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

Do any women have a similar; number of bikes/computers rule for men ?

4alpacas

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Re: Overheard at Work
« Reply #14978 on: September 21, 2016, 12:32:21 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

Do any women have a similar; number of bikes/computers rule for men ?
If I did, then I couldn't date myself.  At any given time, I usually have 2 bikes (sometimes three).  I also have a lot of computers, but most are for work! 

nobodyspecial

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Re: Overheard at Work
« Reply #14979 on: September 21, 2016, 12:42:55 PM »
Do any women have a similar; number of bikes/computers rule for men ?
If I did, then I couldn't date myself.  At any given time, I usually have 2 bikes (sometimes three).  I also have a lot of computers, but most are for work!
2 bikes is hardcore mustachian, you really need 5 or 6 with a couple of wheels/frames around for that fixie/recumbant project you haven't got time for.

Just realised I have 5 working laptops scattered around the house - and a cupboard full of cables for things that were obsolete last century

4alpacas

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Re: Overheard at Work
« Reply #14980 on: September 21, 2016, 12:56:28 PM »
Do any women have a similar; number of bikes/computers rule for men ?
If I did, then I couldn't date myself.  At any given time, I usually have 2 bikes (sometimes three).  I also have a lot of computers, but most are for work!
2 bikes is hardcore mustachian, you really need 5 or 6 with a couple of wheels/frames around for that fixie/recumbant project you haven't got time for.
I just have a road bike and a commuter bike.  There have been other bikes (mountain bike, tri bike), but I downsized to fit into a smaller place.
Quote
Just realised I have 5 working laptops scattered around the house - and a cupboard full of cables for things that were obsolete last century
I'm not going to to count...

BTDretire

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Re: Overheard at Work
« Reply #14981 on: September 21, 2016, 01:04:44 PM »
Husband's (all-male) team got onto the subject of WAGs and spending last week*.

One of the guys complained that his live-in girlfriend (previously mentioned in this thread) buys at least one new lipstick each month. At a cost of $180 each.

More than $2k a year on lipstick.

When they first met, she gave him a tour of her shoes. "These were $1500, these were $500..." It was only after they moved in together that she 'fessed up to $30k in CC debt.
The tour of her shoes should have been a clear warning sign to him and the perfect timing to make a run for it. Losts of shoes, purses = high maintenance. When I was still dating I had a ‘no shoes or purses women’ rule I lived by. Seems to have worked out okay as I ended up with a more or less frugal partner

Do any women have a similar; number of bikes/computers rule for men ?

 What, wait, that's different. :-)

lemanfan

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Re: Overheard at Work
« Reply #14982 on: September 21, 2016, 01:11:12 PM »
Do any women have a similar; number of bikes/computers rule for men ?

As long as they don't count guitars.  Oh wait!  Maybe they do and that's why I'm still single?  ;)

firelight

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Re: Overheard at Work
« Reply #14983 on: September 21, 2016, 01:32:54 PM »
Do any women have a similar; number of bikes/computers rule for men ?

As long as they don't count guitars.  Oh wait!  Maybe they do and that's why I'm still single?  ;)
Some of my friends have the rule of not dating men that have more than one (or two if it's needed for work) cars. The more cars, the more spendypants someone is, especially if those are flashy cars.

21runner

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Re: Overheard at Work
« Reply #14984 on: September 21, 2016, 01:52:56 PM »
Do any women have a similar; number of bikes/computers rule for men ?

As long as they don't count guitars.  Oh wait!  Maybe they do and that's why I'm still single?  ;)

+1!!!

lemanfan

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Re: Overheard at Work
« Reply #14985 on: September 21, 2016, 02:08:18 PM »
Do any women have a similar; number of bikes/computers rule for men ?

As long as they don't count guitars.  Oh wait!  Maybe they do and that's why I'm still single?  ;)

+1!!!

That figures.. someone from Nashville pitching in when we're talking instruments... ;)

DagobertDuck

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Re: Overheard at Work
« Reply #14986 on: September 21, 2016, 02:38:35 PM »
Do any women have a similar; number of bikes/computers rule for men ?

Finally I know why I'm single!

BeFree

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Re: Overheard at Work
« Reply #14987 on: September 21, 2016, 02:54:42 PM »
Do any women have a similar; number of bikes/computers rule for men ?

I find it a big turnoff if the guy has the latest greatest expensive phablet. =P And usually it's through Verizon...

ender

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Re: Overheard at Work
« Reply #14988 on: September 22, 2016, 06:18:46 AM »
It's amusing to me how many folks here are so proud of their judging other folks based on their external appearances.

It reminds me of the "why can't I find any frugal person to date?" thread elsewhere. Maybe everyone has written off all the Mustachians as consumeristic because they have lots of computers/bikes :P


Half-Borg

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Re: Overheard at Work
« Reply #14989 on: September 22, 2016, 06:29:16 AM »
Now that I sold my car, I can get rid of my oldest laptop.
It had a diagnostic software installed, which licencse was linked to the hardware.

I'm finally gonna get a girl now!

On a related note, someone suggested that I need a dryer, because what should the girl I bring home think of me, if there were clothes hanged up? That I'm poor? (None of my friends own a dryer, and they are far from frugal)

FIREdancer

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Re: Overheard at Work
« Reply #14990 on: September 22, 2016, 08:20:58 AM »
I kind of want to facepunch my coworker, but as I don't like to lecture other people for their choices and I'm not a violent person, I'll share with you all instead:

This particular coworker is in debt (mortgage, car, credit card, and student loans) and regularly talks about being in debt.  We are paid bi-weekly and every other week she says something to the effect of "Wohoo! It's payday! I can go get lunch/coffee/craft supplies/etc"

She's also in her late 40s and regularly talks about how she won't ever be able to retire because she doesn't have any money to save for retirement.

Anyway, she just bought a dog for $5,000.  I was like "What?!?!? Seriously?"  She says they saved up for it...and I'm thinking, ummmm can you really call it "saving" when you are in debt?  And now that $5,000 dog will continue to cost you more money for years to come.  Plus they already have several other pets.

A few weeks ago they also bought one of those mini pigs for like $500, but they ended up giving it back a few weeks later for some reason...so they were just out $500 for that.

Chris22

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Re: Overheard at Work
« Reply #14991 on: September 22, 2016, 08:24:14 AM »
What's with you guys and dryers?  My latest gas bill came the other day, was for $22. I have a gas dryer and a gas water heater, since we take way more showers than use the dryer, I figure the dryer is, what, 25% of that expense at the most?  $5.50/mo?  Why is this such an obsession for you people?

SweetTPie

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Re: Overheard at Work
« Reply #14992 on: September 22, 2016, 08:25:08 AM »
Do any women have a similar; number of bikes/computers rule for men ?

At least 2 bikes are preferable, with one for road fun and one for commuting, but I am okay with 1 serving duel purpose as that's my current setup.  Be prepared for (lighthearted) flack when you go to the group ride with a rack, bike lock, and platform pedals, though.

Oh, you mean as an upper limit?  Can there truly be such a thing beyond space constraints?

MgoSam

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Re: Overheard at Work
« Reply #14993 on: September 22, 2016, 08:26:32 AM »


On a related note, someone suggested that I need a dryer, because what should the girl I bring home think of me, if there were clothes hanged up? That I'm poor? (None of my friends own a dryer, and they are far from frugal)

I would like to think that someone you brought home would appreciate the energy efficient way in which your clothes are dried, not to mention that they will last longer and look better.

ketchup

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Re: Overheard at Work
« Reply #14994 on: September 22, 2016, 08:31:28 AM »
What's with you guys and dryers?  My latest gas bill came the other day, was for $22. I have a gas dryer and a gas water heater, since we take way more showers than use the dryer, I figure the dryer is, what, 25% of that expense at the most?  $5.50/mo?  Why is this such an obsession for you people?
I'm with you beat-for-beat there.  My house came with a 2011 gas dryer and I have basically the same gas bill as you.  There are much bigger fish to fry in most people's lives in both the dollars and energy consumption arenas.

I do tend to turn off my dryer early and let my clothes air-dry the last 10-20% hanging up in the closet but that's more about my own paranoia of accidentally cooking them than energy savings.

boarder42

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Re: Overheard at Work
« Reply #14995 on: September 22, 2016, 08:32:23 AM »
What's with you guys and dryers?  My latest gas bill came the other day, was for $22. I have a gas dryer and a gas water heater, since we take way more showers than use the dryer, I figure the dryer is, what, 25% of that expense at the most?  $5.50/mo?  Why is this such an obsession for you people?

i dont get it really. i mean its like 40c a load for us ... even if we did a load every other day it would only be 72 dollars a year.  not really a huge cost savings ... i mean unless you're trying to get to the lowest costs ever.

Paul der Krake

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Re: Overheard at Work
« Reply #14996 on: September 22, 2016, 08:37:26 AM »
Do any women have a similar; number of bikes/computers rule for men ?

At least 2 bikes are preferable, with one for road fun and one for commuting, but I am okay with 1 serving duel purpose as that's my current setup.  Be prepared for (lighthearted) flack when you go to the group ride with a rack, bike lock, and platform pedals, though.

Oh, you mean as an upper limit?  Can there truly be such a thing beyond space constraints?
I have a friend who is *obsessed* with bikes. He has 7 that are all road-ready, and always working on two at any given time. His small apartment is filled with bikes, parts, spare wheels, etc. He has a trueing stand on his kitchen counter, and two mechanic stands in his living room. Gojo is the only type of soap he has in every room.  A huge tool chest filled with bottom brackets, nuts and bolts of every type, prominently sits in the center of the living area. He is on a first name basis with every bike shop in a 10 mile radius.

His girlfriends never stick for very long.

theadvicist

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Re: Overheard at Work
« Reply #14997 on: September 22, 2016, 09:07:51 AM »
Chris22 with every post you convince me more and more that you're just messing with us ;)

The cost of a dryer isn't just the electricity. It's the depreciation - you had to buy the dryer in the first place, right? It's the space you have to put it in, you're paying rent or a mortgage on that (or paying for dryer use at the laundromat). Do you use any sheets etc? They cost money.

It's also the wear and tear on your clothes and other washables, which, believe me, is considerable. When I left home and stopped drying my clothes with a dryer I could not believe how much longer they lasted. Seriously, if you haven't tried hanging everything to dry, it's a revelation how long clothes can last.

Finally, it's the environmental costs. Yeah, the electricity, the materials used to make the thing and keep it running, producing and transporting the machine, dealing with it once it is past it's useful life etc.

The air dries clothes perfectly well. I literally don't understand owning a machine to do... exactly what nature will do given a few hours.

(And I live in a rainy damp place. 24 hours is the max anything takes to dry inside even if it's been on a low spin cycle. If your clothes don't dry in that time you probably need to look at how healthy an indoor environment your house is providing).

slugline

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Re: Overheard at Work
« Reply #14998 on: September 22, 2016, 09:38:41 AM »
When using a clothes dryer, simply use the lowest heat setting that gets the job done. Yes, setting the temp to high all the time will accelerate damage to clothing!

GuitarStv

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Re: Overheard at Work
« Reply #14999 on: September 22, 2016, 09:48:31 AM »
The air dries clothes perfectly well. I literally don't understand owning a machine to do... exactly what nature will do given a few hours.

There are particular times where it might make sense to own and use a dryer.  When we were cloth diapering our newborn son, we needed the dryer.  Stuff just wouldn't dry fast enough otherwise.

It's very nice to have a dryer for those occasions where your son has just thrown up on your bedsheets and the dog then peed on your replacement set of bedsheets . . . because everyone was ignoring that she needed to go out due to the demonic projectile vomiting screaming child and you want to wash/dry the sheets because it's already an hour past the time you wanted to go to sleep.  And your wife bursts into tears, and you slip in some vomit that nobody cleaned up, and then you burst into tears, and the dog starts howling.  That type of scenario seems to come up at least a couple times a year in our home.