Author Topic: Overheard at Work  (Read 6262243 times)

Playing with Fire UK

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Re: Overheard at Work
« Reply #15800 on: November 14, 2016, 12:18:58 AM »
I don't think we have enough information to determine whether the boyfriend is a "douchebag". Splitting shared costs 50/50 sounds potentially fair to me, in certain circumstances, provided among other things that both people have the same say in choosing to incur the costs...

Splitting costs based on income is potentially highly problematic because income is fleeting...

That said, the parties to a relationship are free to negotiate whatever terms they wish, even if those terms create skewed incentives and set the relationship up for financial failure.

+1.

I wonder if the (IMO excellent) parental leave policy in Norway may alter this decision making. In countries without paid parental leave, a prospective parent who wants to stay home with their baby would possibly consider that they may have a long time without income, so may be more inclined to suggest a split based on income. If you know that you can have a child without losing a year's income, you have less need to protect yourself.

The douchebagness of the boyfriend also depends on the age and stage of the relationship. If I share a house with people I'd expect the costs to be split evenly (adjusting for bigger rooms, use of utilities as needed). If I then hook up with one of my housemates on a drunk night out I wouldn't expect them to start splitting our costs by income the next morning. On the other hand, it would be odd (to me) to ask for separate checks after dinner with someone I was living with and raising a child with.

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Re: Overheard at Work
« Reply #15801 on: November 14, 2016, 02:06:54 AM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!
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Re: Overheard at Work
« Reply #15802 on: November 14, 2016, 05:17:44 AM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

Agreed... Ish.

I've only ever lived with one romantic partner, and I wound up marrying him and we're still together, so it's not like I have extensive experience here.

When we first moved in together, we'd been together for 2 years but weren't at the stage of getting married/combining finances (aka: I wasn't gonna combine finances without a framework for de-combining or sign of permanence). I made twice what he did - I had an entry-level corporate job and he worked part-time in a call centre and part-time as a musician. What we wound up doing was putting together a budget with things split 50/50 based on the money he brought in (and had a semi-crap apartment, no car, etc) opening a joint account, and putting money for 50% of rent/utilities/food in there, and keeping the rest "separate". And then, key for us, I think, was that we kept the same amount for personal spending available (it SUCKS to be in a relationship where one person has 50$ of disposable income and the other person has 1.5k, monthly...) and I put the difference in savings - the logic being that if we decided not to stay together it was "my" money, and if we did it'd be a great investment for a shared future. Win/win.

... Wanna know how millennials manage to buy a house before 30? Enforced saving rates for relationship harmony totally works. ;)

MgoSam

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Re: Overheard at Work
« Reply #15803 on: November 14, 2016, 08:40:54 AM »
I cannot believe anyone would think that the concept of splitting housing costs must mean that the bf is a 'douchebag." Way to go out on a limb and make assumptions about someone you know nearly nothing about.

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Re: Overheard at Work
« Reply #15804 on: November 14, 2016, 08:44:16 AM »
My douchebag neighbor pays approximately the same mortgage for a comparable house despite earning twice as much as me.  Life is so unfair.

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Re: Overheard at Work
« Reply #15805 on: November 14, 2016, 08:49:31 AM »
My douchebag neighbor pays approximately the same mortgage for a comparable house despite earning twice as much as me.  Life is so unfair.
I bet the bastard even pays similar utility rates, too.

Playing with Fire UK

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Re: Overheard at Work
« Reply #15806 on: November 14, 2016, 08:59:42 AM »
What we wound up doing was putting together a budget with things split 50/50 based on the money he brought in (and had a semi-crap apartment, no car, etc) opening a joint account, and putting money for 50% of rent/utilities/food in there, and keeping the rest "separate". And then, key for us, I think, was that we kept the same amount for personal spending available (it SUCKS to be in a relationship where one person has 50$ of disposable income and the other person has 1.5k, monthly...) and I put the difference in savings - the logic being that if we decided not to stay together it was "my" money, and if we did it'd be a great investment for a shared future.

This is genius. The difference in personal spending is why I've been keen to split the shared costs with an adjustment for income in the past.

But crucially, different methods work for different relationships and stages of relationships and that's okay.

mm1970

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Re: Overheard at Work
« Reply #15807 on: November 14, 2016, 10:49:47 AM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

This whole conversation makes me think a couple of things:

1.  I'm glad my husband and I have one big mixed finance pot.

2.  When I was single and had roommates - we split a few ways.
- In the house with 3 roommates - 1/3 each
- in the nicer apartment with 1 roommate - she got the larger master bedroom and bath, so it was adjusted by size of room.
- summer her boyfriend moved in, we measured the area of the common rooms, split that 3 ways.  They split the area of her bed/ bath, and I paid my bed/ bath.  Originally her goal was that he just split her part of the rent, but ... no

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Re: Overheard at Work
« Reply #15808 on: November 14, 2016, 11:09:02 AM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

This whole conversation makes me think a couple of things:

1.  I'm glad my husband and I have one big mixed finance pot.

2.  When I was single and had roommates - we split a few ways.
- In the house with 3 roommates - 1/3 each
- in the nicer apartment with 1 roommate - she got the larger master bedroom and bath, so it was adjusted by size of room.
- summer her boyfriend moved in, we measured the area of the common rooms, split that 3 ways.  They split the area of her bed/ bath, and I paid my bed/ bath.  Originally her goal was that he just split her part of the rent, but ... no

It's astounding how many people truly believe that adding another human to the house doesn't create cleaning, wear and tear, utility usage, and opportunity cost in the parts of the house besides the bedroom.
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dragoncar

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Re: Overheard at Work
« Reply #15809 on: November 14, 2016, 01:43:35 PM »
If you have an overnight guest, there is a $50 cleaning surcharge

mm1970

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Re: Overheard at Work
« Reply #15810 on: November 14, 2016, 03:40:11 PM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

This whole conversation makes me think a couple of things:

1.  I'm glad my husband and I have one big mixed finance pot.

2.  When I was single and had roommates - we split a few ways.
- In the house with 3 roommates - 1/3 each
- in the nicer apartment with 1 roommate - she got the larger master bedroom and bath, so it was adjusted by size of room.
- summer her boyfriend moved in, we measured the area of the common rooms, split that 3 ways.  They split the area of her bed/ bath, and I paid my bed/ bath.  Originally her goal was that he just split her part of the rent, but ... no

It's astounding how many people truly believe that adding another human to the house doesn't create cleaning, wear and tear, utility usage, and opportunity cost in the parts of the house besides the bedroom.
Plus he ate my food and had really big feet (which only matters because I'd find his size 14 shoes all over the apartment).


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Re: Overheard at Work
« Reply #15811 on: November 14, 2016, 04:39:38 PM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

This whole conversation makes me think a couple of things:

1.  I'm glad my husband and I have one big mixed finance pot.

2.  When I was single and had roommates - we split a few ways.
- In the house with 3 roommates - 1/3 each
- in the nicer apartment with 1 roommate - she got the larger master bedroom and bath, so it was adjusted by size of room.
- summer her boyfriend moved in, we measured the area of the common rooms, split that 3 ways.  They split the area of her bed/ bath, and I paid my bed/ bath.  Originally her goal was that he just split her part of the rent, but ... no
When I moved in with my fiance for a year her roommate we went 1/3 each.  The roommate expected 50/25/25 split, and 40/30/30 would probably been the most equitable.  I viewed it was a net savings and figured the extra good will was worth a few extra bucks for a year.

Many families have different approached to money.  I viewed marriage as going all-in.  We pooled household expenses and have had no major disagreements over 10 years of marriage, including when my wife switched to stay-at-home.  We each maintain our own accounts for our modest "allowance".  The regular allowance in our personal accounts are for clothes, hobbies, toys, etc.  We never have to justify the spending of that money, and that keeps away from judging or second guessing the other's choices.

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Re: Overheard at Work
« Reply #15812 on: November 15, 2016, 05:12:44 AM »
I have always split housing costs evenly, with whoever I lived with. Perhaps it is a carry over from having roommates but it always seemed the fairest way as we get the same benefit of the use of the house, power etc.
The only time that I wouldn't pay equally is if one person particularly wanted a service (eg cable) or wanted a bigger/better house than my budget would allow.
Totally agree. Splitting living costs based on income is weird to me, we both use the same house and get the same amount of joy out of it so to me it is logical that we pay the same amount. It could be different if you had to move to a HCOL-area due to the job of one partner. Or if the partner who makes more money insists on a bigger house/apartment because he/she earns more and want something ‘befitting’ his/her income. Yeah, in that case the partner wanting to upgrade can pay more but if both partners chose the current house in the location they both wanted then cost should be split equally as both get the same amount of use/enjoyment out of it. Same for cars, basic car both will use: split evenly. One partner really wants a more fancy, bling bling car, well then that partner can pony up the difference! It should also help to keep both on a more mustachian trajectory!

Agreed... Ish.

I've only ever lived with one romantic partner, and I wound up marrying him and we're still together, so it's not like I have extensive experience here.

When we first moved in together, we'd been together for 2 years but weren't at the stage of getting married/combining finances (aka: I wasn't gonna combine finances without a framework for de-combining or sign of permanence). I made twice what he did - I had an entry-level corporate job and he worked part-time in a call centre and part-time as a musician. What we wound up doing was putting together a budget with things split 50/50 based on the money he brought in (and had a semi-crap apartment, no car, etc) opening a joint account, and putting money for 50% of rent/utilities/food in there, and keeping the rest "separate". And then, key for us, I think, was that we kept the same amount for personal spending available (it SUCKS to be in a relationship where one person has 50$ of disposable income and the other person has 1.5k, monthly...) and I put the difference in savings - the logic being that if we decided not to stay together it was "my" money, and if we did it'd be a great investment for a shared future. Win/win.

... Wanna know how millennials manage to buy a house before 30? Enforced saving rates for relationship harmony totally works. ;)

I get it but count me among those who favor split by income.  Before we moved in together, Mr. StacheyStache was living in an apartment that I affectionately called Ranch Cucaracha for obvious reasons (not due to uncleanliness, but I'd still see five-six cockroaches per visit).  He was lucky; his brother lived a few units over, had an even cleaner apartment than Mr. Stachey, and had rats.  Mr. Stachey makes half what I do and that's what his budget could afford (with roommates).  He offered to have me move in and split costs in half or look around for another apartment in his budget.  I declined and we chose a nicer apartment with a higher rent and no vermin.  It wasn't a big deal to Mr. Stachey who had lived in similar units before but it was to me and I'm willing to pay more for it.  I have no interest in bankrupting him and I still benefit from cheaper rent due to Mr. Stachey's contribution.  Win/win in my book.  Your mileage may vary though. 

GrumpyPenguin

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Re: Overheard at Work
« Reply #15813 on: November 15, 2016, 08:33:41 AM »
I get it but count me among those who favor split by income.  Before we moved in together, Mr. StacheyStache was living in an apartment that I affectionately called Ranch Cucaracha for obvious reasons (not due to uncleanliness, but I'd still see five-six cockroaches per visit).  He was lucky; his brother lived a few units over, had an even cleaner apartment than Mr. Stachey, and had rats.  Mr. Stachey makes half what I do and that's what his budget could afford (with roommates).  He offered to have me move in and split costs in half or look around for another apartment in his budget.  I declined and we chose a nicer apartment with a higher rent and no vermin.  It wasn't a big deal to Mr. Stachey who had lived in similar units before but it was to me and I'm willing to pay more for it.  I have no interest in bankrupting him and I still benefit from cheaper rent due to Mr. Stachey's contribution.  Win/win in my book.  Your mileage may vary though.

My initial reaction to the first sentence was disagreement... but then I read the rest.  Five-six cockroaches per visit.  Maybe I have an irrational fear of the nasty little things, but I'd pay a lot not to be around them.

MrRealEstate

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Re: Overheard at Work
« Reply #15814 on: November 15, 2016, 10:31:51 AM »
One of my coworkers paid >$1000 to tickets to a football game. He said it was a "once in a lifetime chance" except those two teams play each other every other year.

He was also bragging how one of his friends always gets new cars because he buys them, and crashes them, and takes the insurance pay out and drives the car on a salvage title.

ugh..

MgoSam

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Re: Overheard at Work
« Reply #15815 on: November 15, 2016, 10:37:12 AM »
One of my coworkers paid >$1000 to tickets to a football game. He said it was a "once in a lifetime chance" except those two teams play each other every other year.


I'm guessing it was a college game. A guy at my gym mentioned spending $1000+ for the Vikings vs Packers game. It was the home opener and the first game at the new stadium that the taxpayers graciously built for the Viking's billionaire owner so these factors pushed up the price, but still I cannot imagine spending that kind of money.

For me, spending $50 to see my alma mater's football team play in Minnesota was beyond what I was willing to spend for entertainment (that would be $50 for ticket, extras for getting to the stadium and any food/drink purchases ect). Most of my friends looked at me with disbelief for not forking the cash, esp when my team won by stopping the Gophers at the 1 yard line as time expired.

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Re: Overheard at Work
« Reply #15816 on: November 15, 2016, 10:40:51 AM »
Did you hear what the World Series tickets cost? '

They were (according to something the announcers said on TV) $250 to $28K per ticket.

I guess if we won the lottery and could stop thinking about the opportunity costs (such as feeding the homeless for a year or more per ticket) we'd have a great time at the game in the VIP section.

We really enjoyed watching it on TV for free though. Last 30 mins of the last game had us pacing the living room though. ;)

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Re: Overheard at Work
« Reply #15817 on: November 15, 2016, 11:08:26 AM »
That truly is a once-in-a-lifetime event though. My former boss bought a Game 3 ticket for $200 from a friend who couldn't make it. I don't even like baseball, but I'd have gone for $200 in a similar situation. (But all things considered, if I had that ticket and couldn't make it, I'd have sold that sucker in a hot minute.)
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Re: Overheard at Work
« Reply #15818 on: November 15, 2016, 11:10:14 AM »
As cheap as I am when it comes to going to sporting events (notice I did not use the term frugal), if I had an opportunity to get a WS ticket for $200 or less I would have taken it in a heartbeat (provided I was already in the hosting city). Even needing to wait hours for the EL, it would have been worth the experience and I'm not even a fan of baseball.

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Re: Overheard at Work
« Reply #15819 on: November 15, 2016, 11:11:43 AM »
Oh yeah - if the game was local and i could get a couple of budget tickets. Yeah - we would have been there too! DW is mad crazy about baseball. I like watching it too.

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Re: Overheard at Work
« Reply #15820 on: November 15, 2016, 11:27:49 AM »
WHL has tickets for under 30$ in Montreal...

Plus, yknow. If you've got kids, an affordable demonstration of "sports are for girls too" isn't a bad idea.

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Re: Overheard at Work
« Reply #15821 on: November 15, 2016, 12:07:52 PM »
I saw a beer advent calendar at costco.  Now that is brilliant.

What??? I need this. Is it in the beer aisle?

LeRainDrop

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Re: Overheard at Work
« Reply #15822 on: November 15, 2016, 12:41:03 PM »
I saw a beer advent calendar at costco.  Now that is brilliant.

What??? I need this. Is it in the beer aisle?

Presumably this advent calendar is not for the kiddos.

dragoncar

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Re: Overheard at Work
« Reply #15823 on: November 15, 2016, 12:59:11 PM »
I saw a beer advent calendar at costco.  Now that is brilliant.

What??? I need this. Is it in the beer aisle?

Yes it's a huge box, but may not be available everywhere

Btw here is a review.  I guess these are more common than I realized!  http://christmasbeer.net/2016-costco-beer-advent-calendar/
« Last Edit: November 15, 2016, 01:01:05 PM by dragoncar »

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Re: Overheard at Work
« Reply #15824 on: November 15, 2016, 03:17:34 PM »
My office mate is complaining that he "has" to buy his college aged son another car, because he crashed the first one.

Son lives at his house
CW is paying for tuition, phone, everything
They live just a few blocks away from the light rail station that would take Son directly to campus with ~20 min train ride.

And the saddest part is that my CW is probably mid-50s and obviously wants to just be fishing at this point, but will be working until he's 65 to pay for all this.

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Re: Overheard at Work
« Reply #15825 on: November 15, 2016, 03:40:04 PM »
A 1995 stick shift honda with 150k miles is about $900. Your office mate would be well served buying that car and allowing his son to rent it for $100 per month.

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Re: Overheard at Work
« Reply #15826 on: November 15, 2016, 03:52:19 PM »
My office mate is complaining that he "has" to buy his college aged son another car, because he crashed the first one.

Son lives at his house
CW is paying for tuition, phone, everything
They live just a few blocks away from the light rail station that would take Son directly to campus with ~20 min train ride.

And the saddest part is that my CW is probably mid-50s and obviously wants to just be fishing at this point, but will be working until he's 65 to pay for all this.

Wow - perhaps we need to rename this topic the "anti-mustachian wall of shame and comedy and sadness" since that what I felt reading co-worker's story.  He's not doing his son any favors by purchasing him a car.

dragoncar

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Re: Overheard at Work
« Reply #15827 on: November 15, 2016, 05:09:39 PM »
My office mate is complaining that he "has" to buy his college aged son another car, because he crashed the first one.

Son lives at his house
CW is paying for tuition, phone, everything
They live just a few blocks away from the light rail station that would take Son directly to campus with ~20 min train ride.

And the saddest part is that my CW is probably mid-50s and obviously wants to just be fishing at this point, but will be working until he's 65 to pay for all this.

Wow - perhaps we need to rename this topic the "anti-mustachian wall of shame and comedy and sadness" since that what I felt reading co-worker's story.  He's not doing his son any favors by purchasing him a car.

My parents think my 35 year old brother is still a baby.  It's hard for me to advocate against economic outpatient care without sounding douchey, but I guess at this point it's a hobby for them to "get him launched"

P.S. I guess that didn't seem too relevant... it just reminded me of the time borrowed my dad's Porsche, lent it to a friend to wrecked it, then got kicked out of college.   He needed the Porsche because the he didn't maintain the new Mustang my parents bought him that rusted through.  Now he drives a BMW.  Yes, the brother that makes 1/10 my salary drives a car that's 5x more expensive than mine.
« Last Edit: November 15, 2016, 05:11:48 PM by dragoncar »

Pooperman

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Re: Overheard at Work
« Reply #15828 on: November 15, 2016, 05:26:02 PM »
My office mate is complaining that he "has" to buy his college aged son another car, because he crashed the first one.

Son lives at his house
CW is paying for tuition, phone, everything
They live just a few blocks away from the light rail station that would take Son directly to campus with ~20 min train ride.

And the saddest part is that my CW is probably mid-50s and obviously wants to just be fishing at this point, but will be working until he's 65 to pay for all this.

Wow - perhaps we need to rename this topic the "anti-mustachian wall of shame and comedy and sadness" since that what I felt reading co-worker's story.  He's not doing his son any favors by purchasing him a car.

My parents think my 35 year old brother is still a baby.  It's hard for me to advocate against economic outpatient care without sounding douchey, but I guess at this point it's a hobby for them to "get him launched"

P.S. I guess that didn't seem too relevant... it just reminded me of the time borrowed my dad's Porsche, lent it to a friend to wrecked it, then got kicked out of college.   He needed the Porsche because the he didn't maintain the new Mustang my parents bought him that rusted through.  Now he drives a BMW.  Yes, the brother that makes 1/10 my salary drives a car that's 5x more expensive than mine.

That's one damn expensive car considering you drive a dragon car.

mustachepungoeshere

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Re: Overheard at Work
« Reply #15829 on: November 15, 2016, 09:37:16 PM »
I'm in my third week at a new job loosely connected with personal finance, so all we do all day is talk money.

I was told early on that one girl in my team is famously frugal. She's in her early 20s and saving for a house deposit.

Ok, but...

In two and a bit weeks she has eaten out for lunch every day but one, and this morning came in telling us about her awesome breakfast. It was only $14.

Nice girl but she thinks Groupons are the solution to everything.
Funny.

Wonder what she did or bragged about to be labeled frugal early on.

After I posted this she bought tickets to a show ($190 each) then left early to get her eyebrows "done".


The latest (I need to give this girl a pseudonym since she's such a source of fodder for this thread).

She just returned from a four-day shopping trip OS.

Told me about one purchase, a handbag. "It was marked down from like $600!" "... how much was it?" "$150. Such a good bargain."

Taran Wanderer

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Re: Overheard at Work
« Reply #15830 on: November 15, 2016, 10:43:33 PM »
That's one damn expensive car considering you drive a dragon car.

Like this?

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Re: Overheard at Work
« Reply #15831 on: November 16, 2016, 08:51:52 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).

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Re: Overheard at Work
« Reply #15832 on: November 16, 2016, 09:10:14 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).

There's only one thing to do. Set him up on a date with Madame Bovary.
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MishMash

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Re: Overheard at Work
« Reply #15833 on: November 16, 2016, 09:28:45 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).

There's only one thing to do. Set him up on a date with Madame Bovary.


LOLOLOLOL.  Oh if only they didn't live on opposite coasts or have a 20 year age difference.   That would be sweet sweet revenge, I'm sure she could spend through his cash right quick.  And that was definitely the laugh I needed because I'm still pissed off three hours later. 

frugalnacho

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Re: Overheard at Work
« Reply #15834 on: November 16, 2016, 09:33:06 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).

I don't condone any type of harassment, I just wanted to comment that talking about mud butt is absolutely a normal conversation for grown ass men to have.  I'm just basing this on the hundreds of conversations I've either had or over heard about mud butt and/or related conditions.

arebelspy

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Re: Overheard at Work
« Reply #15835 on: November 16, 2016, 09:34:38 AM »
I don't condone any type of harassment, I just wanted to comment that talking about mud butt is absolutely a normal conversation for grown ass men to have.  I'm just basing this on the hundreds of conversations I've either had or over heard about mud butt and/or related conditions.

Huh.  Hundreds of conversations? 

I've not only not had a conversation about it, I've literally never heard of it.  Weird how different peoples' experiences can be.
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Re: Overheard at Work
« Reply #15836 on: November 16, 2016, 09:34:54 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).

I don't condone any type of harassment, I just wanted to comment that talking about mud butt is absolutely a normal conversation for grown ass men to have.  I'm just basing this on the hundreds of conversations I've either had or over heard about mud butt and/or related conditions.

Counterpoint: you'd be out the door in less than two hours if you had that conversation at my workplace.  Obviously not speaking to what people talk about at lunch/home/etc

mm1970

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Re: Overheard at Work
« Reply #15837 on: November 16, 2016, 09:37:11 AM »
So we all know from much earlier postings that my office has been filled with some utter JACKASSES who were quite prone to sexual harassment.  Most of them were fired, 2 were moved across country, things had settled down, my boss took a full insular role so that I didn't have to deal with them often. The Two jackasses are in the office for meetings this week and I literally just lost my shit on one of them, I mean devolved into a him screaming, me almost screaming, match and I walked out.   I know, I know, high road...but my boss and I are so over their shit I can't describe and I've taken the high road every other time.

Walks in, see's me says hi and I'm thinking everything is going to be civil (i've checked this guy more times then I can count so generally he's pretty good).

"Man I had this stupid woman on the plane up here, watching CNN (you know clinton news network), and she made the comment she was worried about her future rights, well I just told her this is America and Trump will make it great again!  She said well, I'm gay, and a woman, his platform doesn't bode well for me"   I just told her she was being ridiculous and if she was that worried, then she shouldn't be gay.  I mean she wouldn't have anything to fear from Trump and his cabinet if she wasn't gay.  I pointed out the whole womans rights thing and about not being able to "choose" gayness, and was pish poshed as being "an emotional liberal"

I. Lost. My. Shit.  Not even going to sugarcoat.  Called my boss, she told me to start recording stuff and keeping emails because she's had enough and wants to start building a case because we've both complained about this crap several times and no one wants to fire the "cool kids".    The conversation when douchbag two came in revolved around his extreme case of Mudd Butt that he's had for two days and how hard the flight was clenching his butt cheeks.   These are NOT normal conversations from grown ass men (and they are in their upper 40's so these aren't 20 something kids fresh out of school).
This kind of frightens me, being upper 40s myself.  I just can't imagine.

RWD

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Re: Overheard at Work
« Reply #15838 on: November 16, 2016, 09:42:03 AM »
I don't condone any type of harassment, I just wanted to comment that talking about mud butt is absolutely a normal conversation for grown ass men to have.  I'm just basing this on the hundreds of conversations I've either had or over heard about mud butt and/or related conditions.

Huh.  Hundreds of conversations? 

I've not only not had a conversation about it, I've literally never heard of it.  Weird how different peoples' experiences can be.

Same here. Never heard of it until today.

frugalnacho

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Re: Overheard at Work
« Reply #15839 on: November 16, 2016, 09:54:11 AM »
I don't condone any type of harassment, I just wanted to comment that talking about mud butt is absolutely a normal conversation for grown ass men to have.  I'm just basing this on the hundreds of conversations I've either had or over heard about mud butt and/or related conditions.

Huh.  Hundreds of conversations? 

I've not only not had a conversation about it, I've literally never heard of it.  Weird how different peoples' experiences can be.

Never watched the chappelle show?  I can think of two skits off the top of my head that reference mud butt.  The ribs sleeping aid, and the profiles in courage of the black man pooping in the segregated bathroom.  He has several other that reference bathroom humor, but I'm fairly certain those actually use the term "mud butt". 

The hundreds of conversations I've had (or heard) have not been specifically about mud butt, but I think they qualify anyway.  I've been in the work force for 20 years.  If I participate in or overheard just 5 such conversations a year (roughly 1 every 10 weeks) I would be at 100+ already, and it's way more frequent than that.

Part of my current career is working on smoke stacks, sometimes 100+ feet in the air.  When you are the guy at the top for a 14 hour day it can be not only impractical to climb all the way down, then walk all the way across the plant to the bathroom, but it can be impossible given that you are often up there to move equipment at frequent intervals.  If you have to move a probe every 5 minutes a 40 minute bathroom break is impossible, not to mention exhausting since you have to climb down and then back up.  Peeing in gatorade bottles is a regular part of the job.  I have also had to poop in a bucket.  There are legends of employees before my time having to make due with a pringles can, and it has become some what of a running joke.  I am counting those as part of the hundreds of conversations.


BTDretire

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Re: Overheard at Work
« Reply #15840 on: November 16, 2016, 09:58:37 AM »
They came to the conclusion that $1MM would be enough.

I'm shocked.  Most people think 10MM wouldn't be enough.

I think 1MM is enough for 40k at a 4% WR.

But with their apparent spend levels, I don't think 1MM would be enough for them.
I caught part of a TV show about a realtor selling homes to lottery winners.
A couple in their late 40s early 50s on hard times, lost a job, moved in with his mother.
But things were not so bad that they couldn't afford lottery tickets...
They won, a million dollars, so they're buying a home, first home viewed was $800k.
Then the realtor showed them a $415k home that they loved.
$1 M, 4%, $40k a year was never a thought. So sad.

faithless

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Re: Overheard at Work
« Reply #15841 on: November 16, 2016, 10:54:08 AM »

Nice girl but she thinks Groupons are the solution to everything.

...
After I posted this she bought tickets to a show ($190 each) then left early to get her eyebrows "done".

...
The latest (I need to give this girl a pseudonym since she's such a source of fodder for this thread)...


Groupon Eyebrow Spendypants?

financialfreedomsloth

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Re: Overheard at Work
« Reply #15842 on: November 16, 2016, 11:18:44 AM »
I caught part of a TV show about a realtor selling homes to lottery winners.
A couple in their late 40s early 50s on hard times, lost a job, moved in with his mother.
But things were not so bad that they couldn't afford lottery tickets...
They won, a million dollars, so they're buying a home, first home viewed was $800k.
Then the realtor showed them a $415k home that they loved.
$1 M, 4%, $40k a year was never a thought. So sad.
Sad indeed. I have a friend who has enough (or very close to) money to retire if she could life on a budget of 1.500 euro a month. In Belgium this is decent living if you are a bit smart/frugal on some stuff. Unfortunately she has two ideas firmly lodged in her head:1) it is impossible to buy a decent house below 500.000 euro +2) being free to do what you want = buying everything you want.
The really sad part is she doesn't like her job but she will continue to work for the next 25 years because she will buy an expensive house and continue to go to restaurants way too much. Each year I see her become less and less happy with life ...
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Goldielocks

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Re: Overheard at Work
« Reply #15843 on: November 16, 2016, 04:54:15 PM »
It is benefit re-enrollment time, and the company is utterly changing up how the medical and dental benefits work, so it is a bit confusing for people.  e.g., a  complexity is that instead of paying part of the premiums each pay period, and putting $600 into a HSA, they will just give a larger amount to HSA that we direct to the (now) much higher monthly premiums..

The end impact is that a family that relies on one employee for health benefits will pay between $150 and $300 more per  month.   I think that it is a lot, but not atrocious, and those that have a spouse with good benefits can opt out if they like and save money, or you can get a bit less coverage and get a bit of money back.

After the hue and cry died down, the answer from management is that they will continue on with the plan, but cover $150 per month of it for another three months, then it is fully employee paid.  This makes me assume that people were claiming hardships from it, and they want to delay it until pay raises kick in.

I am not sure if this is just sucky (as the $ will absorb everyone's pay raise this year and then some), or if the clamour about the gigantic increase is justified.   Average employee is making $60k, average for employees with families would be closer to $75k.

mustachepungoeshere

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Re: Overheard at Work
« Reply #15844 on: November 16, 2016, 07:19:17 PM »

Nice girl but she thinks Groupons are the solution to everything.

...
After I posted this she bought tickets to a show ($190 each) then left early to get her eyebrows "done".

...
The latest (I need to give this girl a pseudonym since she's such a source of fodder for this thread)...


Groupon Eyebrow Spendypants?

Love it!

I will trade you use of the name for another story from Groupon Eyebrow Spendypants after her recent trip...

"It was so nice to just splash out. I feel like I'm always so thrifty and never do anything fun, so I think I need to let up a bit now that I'm home."

ಠ_ಠ

ysette9

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Re: Overheard at Work
« Reply #15845 on: November 17, 2016, 01:21:51 PM »
This isn't exactly on thread, but close.

At a day-long meeting at a vendor. The guy next to me is quite the character. I've watched him drink five diet colas in the past hour. He drinks these suckers with a big sucking/slurping noise. His lunch brought from home was a big bag of potato chips. Right now I can see that he is playing I like poker on his laptop.

Question: is that better or worse than me checking the MMM forums in the same meeting? :-)
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Moonwaves

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Re: Overheard at Work
« Reply #15846 on: November 17, 2016, 01:31:37 PM »
This isn't exactly on thread, but close.

At a day-long meeting at a vendor. The guy next to me is quite the character. I've watched him drink five diet colas in the past hour. He drinks these suckers with a big sucking/slurping noise. His lunch brought from home was a big bag of potato chips. Right now I can see that he is playing I like poker on his laptop.

Question: is that better or worse than me checking the MMM forums in the same meeting? :-)
That depends. What flavour are the crisps? :)

ysette9

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Re: Overheard at Work
« Reply #15847 on: November 17, 2016, 01:50:25 PM »
Haha! As best I can tell there is both some corn chips and those freak-y potato chips that come in a cylinder.
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Lunasol

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Re: Overheard at Work
« Reply #15848 on: November 17, 2016, 02:28:01 PM »
Coworker got a Mini NES for $250 (Reg price $60) because every store ran out and that's the reseller price they found online

But hey, at least they divided it into 3 siblings, so they paid $83 each...

kayvent

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Re: Overheard at Work
« Reply #15849 on: November 17, 2016, 02:31:22 PM »
Coworker got a Mini NES for $250 (Reg price $60) because every store ran out and that's the reseller price they found online

But hey, at least they divided it into 3 siblings, so they paid $83 each...

So they spent 190$ to get it a few weeks early? Wow. (I say 'a few weeks early' because Nintendo has said they will try pushing out as much product as they can as soon as they can.)