Author Topic: Overheard at Work  (Read 8056841 times)

dragoncar

  • Walrus Stache
  • *******
  • Posts: 7903
  • Registered member
Re: Overheard at Work
« Reply #15000 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

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 27064
  • Age: -999
  • Location: Traveling the World
Re: Overheard at Work
« Reply #15001 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.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

ender

  • Magnum Stache
  • ******
  • Posts: 4154
Re: Overheard at Work
« Reply #15002 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

  • Pencil Stache
  • ****
  • Posts: 922
  • Location: 'Murica's Wang
  • Left, Right, Peddlin' Shite
Re: Overheard at Work
« Reply #15003 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.
Signature worthless. I'm worth more dead than alive. Wife and kids will collect. Or Uncle Sam will, you can rely on Him.

Playing with Fire UK

  • Handlebar Stache
  • *****
  • Posts: 2268
Re: Overheard at Work
« Reply #15004 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

  • Bristles
  • ***
  • Posts: 437
  • Location: Quebec, CA
  • Penny wise, pound foolish
Re: Overheard at Work
« Reply #15005 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!
Nothing happens in contrast with Nature, only in contradiction of what we know of it.

RWD

  • Handlebar Stache
  • *****
  • Posts: 2049
  • Location: Mississippi
Re: Overheard at Work
« Reply #15006 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

  • Handlebar Stache
  • *****
  • Posts: 1276
Re: Overheard at Work
« Reply #15007 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

  • Pencil Stache
  • ****
  • Posts: 557
Re: Overheard at Work
« Reply #15008 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

  • Handlebar Stache
  • *****
  • Posts: 2238
Re: Overheard at Work
« Reply #15009 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

  • Walrus Stache
  • *******
  • Posts: 7298
Re: Overheard at Work
« Reply #15010 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.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

TheGrimSqueaker

  • Handlebar Stache
  • *****
  • Posts: 1933
  • Location: A desert wasteland, where none but the weird survive
  • www.theliveinlandlord.com
    • The Live-In Landlord
Re: Overheard at Work
« Reply #15011 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.
I squeak softly, but carry a big schtick.

scottish

  • Handlebar Stache
  • *****
  • Posts: 1124
  • Location: Ottawa
Re: Overheard at Work
« Reply #15012 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.
Actually, throughout my life, my two greatest assets have been mental stability and being, like, really smart.

financialfreedomsloth

  • Stubble
  • **
  • Posts: 183
  • Location: Belgium
    • financial freedom sloth
Re: Overheard at Work
« Reply #15013 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
http://financialfreedomsloth.com/

achieving financial freedom one lazy step at a time

Kitsune

  • Handlebar Stache
  • *****
  • Posts: 1554
Re: Overheard at Work
« Reply #15014 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

  • Magnum Stache
  • ******
  • Posts: 3613
  • Location: Minnesota
Re: Overheard at Work
« Reply #15015 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

  • Handlebar Stache
  • *****
  • Posts: 1472
  • Location: Land above the land of the free
Re: Overheard at Work
« Reply #15016 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

  • Handlebar Stache
  • *****
  • Posts: 1886
Re: Overheard at Work
« Reply #15017 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

  • Handlebar Stache
  • *****
  • Posts: 1472
  • Location: Land above the land of the free
Re: Overheard at Work
« Reply #15018 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

  • Handlebar Stache
  • *****
  • Posts: 1886
Re: Overheard at Work
« Reply #15019 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

  • Handlebar Stache
  • *****
  • Posts: 2055
Re: Overheard at Work
« Reply #15020 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

  • Pencil Stache
  • ****
  • Posts: 696
Re: Overheard at Work
« Reply #15021 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

  • Handlebar Stache
  • *****
  • Posts: 1028
Re: Overheard at Work
« Reply #15022 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

  • 5 O'Clock Shadow
  • *
  • Posts: 99
  • Age: 27
  • Location: Nashville
Re: Overheard at Work
« Reply #15023 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

  • Pencil Stache
  • ****
  • Posts: 696
Re: Overheard at Work
« Reply #15024 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

  • Bristles
  • ***
  • Posts: 265
Re: Overheard at Work
« Reply #15025 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

  • 5 O'Clock Shadow
  • *
  • Posts: 22
  • Age: 35
  • Location: Hadensville, VA
Re: Overheard at Work
« Reply #15026 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

  • Magnum Stache
  • ******
  • Posts: 4154
Re: Overheard at Work
« Reply #15027 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

  • Bristles
  • ***
  • Posts: 273
Re: Overheard at Work
« Reply #15028 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

  • Stubble
  • **
  • Posts: 132
Re: Overheard at Work
« Reply #15029 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

  • Magnum Stache
  • ******
  • Posts: 3110
  • Location: Chicago NW Suburbs
Re: Overheard at Work
« Reply #15030 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?
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

SweetTPie

  • Stubble
  • **
  • Posts: 109
  • Age: 34
  • Location: The South, USA
Re: Overheard at Work
« Reply #15031 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

  • Magnum Stache
  • ******
  • Posts: 3613
  • Location: Minnesota
Re: Overheard at Work
« Reply #15032 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

  • Magnum Stache
  • ******
  • Posts: 3354
  • Age: 27
Re: Overheard at Work
« Reply #15033 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

  • Walrus Stache
  • *******
  • Posts: 7298
Re: Overheard at Work
« Reply #15034 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.
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing

Paul der Krake

  • Magnum Stache
  • ******
  • Posts: 4081
  • Age: 10
  • Location: us-west-2
  • Bot - Do Not Reply
Re: Overheard at Work
« Reply #15035 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

  • Handlebar Stache
  • *****
  • Posts: 1454
Re: Overheard at Work
« Reply #15036 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

  • Handlebar Stache
  • *****
  • Posts: 1134
  • Location: Houston, TX USA
Re: Overheard at Work
« Reply #15037 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

  • Senior Mustachian
  • ********
  • Posts: 11062
  • Age: 37
  • Location: Toronto, Ontario, Canada
Re: Overheard at Work
« Reply #15038 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.
My spirit animal is a tardigrade.

Making Cookies

  • Handlebar Stache
  • *****
  • Posts: 1652
Re: Overheard at Work
« Reply #15039 on: September 22, 2016, 12:27:51 PM »
And someday you'll look back and say "those were the good old days...." (Or not. j/k)

TheInsuranceMan

  • Bristles
  • ***
  • Posts: 377
Re: Overheard at Work
« Reply #15040 on: September 22, 2016, 12:35:52 PM »
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).

Dryer causing clothes damage?  I go 5+ years with certain dress clothes that see the washer, and gasp, the dryer, once a week, or once every other week.  They don't shrink, they haven't got destroyed, and in fact, they look pretty damn good yet.  So, that's not much of a concern of mine.

No Name Guy

  • Bristles
  • ***
  • Posts: 451
  • Location: Western Washington
Re: Overheard at Work
« Reply #15041 on: September 22, 2016, 12:50:18 PM »
It's also the wear and tear on your clothes and other washables, which, believe me, is considerable.

Dryer causing clothes damage?  I go 5+ years with certain dress clothes that see the washer, and gasp, the dryer, once a week, or once every other week.  They don't shrink, they haven't got destroyed, and in fact, they look pretty damn good yet.  So, that's not much of a concern of mine.

^^ - this.

What damage?  Jeans last me years.  The polo shirts I have...again, years old (and we're talking cheap JC Penny house brand polo shirts, not fancy ones).  Tee shirts....again, years, and years, and years of wear.....

The engineer in me says that the wear and tear on clothing due to washing and drying for typical guys clothing is somewhere in the 2nd order effect to negligible area, compared to the physical wear (e.g. scuffing the knees while working, the wear of the wallet in the pocket as you sit, shirt elbows wearing from rubbing on the desk, etc, etc).


Chris22

  • Magnum Stache
  • ******
  • Posts: 3110
  • Location: Chicago NW Suburbs
Re: Overheard at Work
« Reply #15042 on: September 22, 2016, 12:53:05 PM »
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).

And I'm convinced you're messing with me. My dryer probably cost $400 like 8 years ago and is still going strong. Dryer sheets?  They're what, $2.99 for a box of 500?  And space?  Seriously?  Part of the beauty of a dryer is that I don't have space to air dry everything I, my wife, and my kid wear in a given week. Takes up far more space than the 9sq ft my dryer does.

Seriously, you're fucking with me right?
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

Half-Borg

  • Bristles
  • ***
  • Posts: 273
Re: Overheard at Work
« Reply #15043 on: September 22, 2016, 01:12:32 PM »
Now that you mention it, bringing my clothes to the gu around the corner is only 1,50 per piece, that's only like 15€ per week. I guess I need to do that. I'll need a new car though.

turketron

  • Bristles
  • ***
  • Posts: 342
  • Age: 32
  • Location: WI
Re: Overheard at Work
« Reply #15044 on: September 22, 2016, 01:30:53 PM »
I have a dryer (it came with the place) but generally air dry clothes and just use it for sheets and towels. I don't have A/C in my place, and it was 85+ degrees for months here this summer, so sticking to air drying as much as possible did help keep the temps a little more comfortable.

Kitsune

  • Handlebar Stache
  • *****
  • Posts: 1554
Re: Overheard at Work
« Reply #15045 on: September 22, 2016, 01:51:38 PM »
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.

And then what do we do when there's been a 3-month period of no one puking, and everyone sleeping through the night? Get knocked up again.

*sigh*

Good thing they're cute, is all I'm sayin'.

Playing with Fire UK

  • Handlebar Stache
  • *****
  • Posts: 2268
Re: Overheard at Work
« Reply #15046 on: September 22, 2016, 01:59:02 PM »
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.

And then what do we do when there's been a 3-month period of no one puking, and everyone sleeping through the night? Get knocked up again.

*sigh*

Good thing they're cute, is all I'm sayin'.

Do I take it congratulations are in order Kitsune?

Kitsune

  • Handlebar Stache
  • *****
  • Posts: 1554
Re: Overheard at Work
« Reply #15047 on: September 22, 2016, 02:16:31 PM »
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.

And then what do we do when there's been a 3-month period of no one puking, and everyone sleeping through the night? Get knocked up again.

*sigh*

Good thing they're cute, is all I'm sayin'.

Do I take it congratulations are in order Kitsune?

Ooh yeah. I'm halfway through pregnancy, and may actually survive the nausea.

jordanread

  • Guest
Re: Overheard at Work
« Reply #15048 on: September 22, 2016, 02:18:44 PM »
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.

And then what do we do when there's been a 3-month period of no one puking, and everyone sleeping through the night? Get knocked up again.

*sigh*

Good thing they're cute, is all I'm sayin'.

Do I take it congratulations are in order Kitsune?

Ooh yeah. I'm halfway through pregnancy, and may actually survive the nausea.

Hotdamn Kitsune. Congrats!!

boarder42

  • Walrus Stache
  • *******
  • Posts: 7298
Re: Overheard at Work
« Reply #15049 on: September 22, 2016, 02:26:49 PM »
Now that you mention it, bringing my clothes to the gu around the corner is only 1,50 per piece, that's only like 15€ per week. I guess I need to do that. I'll need a new car though.

huge difference between 15 a week and 70 bucks a year.  about 11x the difference. 
My Miles Journal -Learn to Manufacture spend(MS)

Best bonuses on Credit cards right now
SW Plus Card 50k Bonus - use it with the Companion pass hack!

Personal Capital - Track your spending and Investing