Author Topic: Overheard at Work  (Read 4800691 times)

Daleth

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Re: Overheard at Work
« Reply #16150 on: December 10, 2016, 01:25:32 PM »
Omg that's funny. Wow.

Metric Mouse

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Re: Overheard at Work
« Reply #16151 on: December 10, 2016, 01:32:45 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic



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druth

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Re: Overheard at Work
« Reply #16152 on: December 10, 2016, 05:50:45 PM »
i just got a new desktop - for the kid hitting high school. $500 for a machine that will do for 4 years is fine by me.

the one it replaced was 7 years old so i have a benchmark!

Thinking about replacing my laptop but its only 5 years old...

If your laptops harddrive isn't solid state, it is probably past its life expectancy.

I like replacing my computers every 3-4 years with whatever the latest deal is. Since I got a smartphone though, I've found that to be less and less of a necessity.

"life expectancy" seems like a really un-mustachian way to treat things. Mine is a 9 year old mac laptop.  It was my high school graduation gift.  Does that mean I win?

I agree though that smartphones/tablets/etc. fill in some of the gaps.  I do have a tablet as well that works for games, which my computer probably can't do.  Probably would have upgraded a while ago if I didn't.


markbike528CBX

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Re: Overheard at Work
« Reply #16153 on: December 10, 2016, 07:07:19 PM »
If your laptops harddrive isn't solid state, it is probably past its life expectancy.
"life expectancy" seems like a really un-mustachian way to treat things. Mine is a 9 year old mac laptop.  It was my high school graduation gift.  Does that mean I win?

I think this is about MTBF (Mean Time Between Failures) metric.

My desktop mac G5 is 12 years old, but the duty cycle is quite low, as I'm gone a lot, probably less than 2000 hours total runtime, AND it isn't jostled like a laptop.  I bought a new 1TB drive as a backup anyway.

Squirrel away

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Re: Overheard at Work
« Reply #16154 on: December 11, 2016, 02:12:29 AM »
I am working pretty intensively trying to get everything done but I heard someone talking about me so I tuned in.

Person A: "She's retiring?"
Person B: "Yeah"
Person A: "How?"
Person B:"She says anyone can do it just by saving half their income."
Person A: "As if!"
Person B (somewhat sadly): "Yeah"
Person A: "How did she do it?"
Person B: "Don't know."

Seriously though, how did you do it? Lol.

zephyr911

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Re: Overheard at Work
« Reply #16155 on: December 11, 2016, 08:53:11 AM »
I open and close my windows so often (ok once per day) that I start to worry about wear and tear.  How much will opening and closing my windows every day decrease the life of my windows vs. always closed?  10 years vs 20?

I just nearly spat water out my nose sitting at my desk while trying not to laugh at this. This is a very Mustachian thing to have to worry about. The struggle is real. Although, I rent, so I don't have to worry about replacing the windows. However, with this new perspective, I'm now going to open and close my windows as often as I want to really get my money's worth out of this rental.

(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)
Most of us here, though not all, do care about things like resource impact regardless of cost. Guessing from your name, you find intrinsic value in efficiency even when you're not paying... and if so, you're in good company.
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Hoglet121

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Re: Overheard at Work
« Reply #16156 on: December 11, 2016, 01:12:56 PM »
Everyone in my work place has always appeared relatively mustachian, in that we all bring lunch from home, several people use public transport (I'm the only one that bikes to work) until a new guy started recently. He goes out for lunch everyday, usually to some real grotty places, buys coffees, muffins.... We were discussing the lunches we'd brought in and I said I'd got leftover curry (yum). New guy pipes up, "Why would you bring in curry when you can buy one around here?"

We don't you for fun calculate how much this bought curry would cost and multiple it with your number of working days a year. Then you say: to save ... dollars a year and because I know it tastes good.

I wonder whether the new guy will change his behaviour over time, with all his colleagues giving a good example. Or whether your colleagues rather will follow him in buying food.

It wasn't until I opened Excel and started calculating how much money I would have if I invested regularly that I came on board MMM. It was great seeing how little differences can make a big difference and how even a tiny amount early in my career can help. I only wish I had opened my ROTH IRA sooner.

I would recommend talking to the new employee, might be able to open his eyes. I know when I first started working I would eat out daily, partially because having my own money was such a new feeling for me and as I was working full-time and living with my parents, my overall expenses were insanely low. Once I became a MMM I started bringing my lunches from home and saving my money.

He came in this morning with homemade soup - early days but promising!

Kansas Terri

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Re: Overheard at Work
« Reply #16157 on: December 11, 2016, 02:14:06 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

LeRainDrop

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Re: Overheard at Work
« Reply #16158 on: December 11, 2016, 03:05:29 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

No.  See post #3.

arebelspy

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Re: Overheard at Work
« Reply #16159 on: December 11, 2016, 03:16:32 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

No.  See post #3.

That seems to indicate that yes, it happens, though it's "inhospitable."

It was always the norm for us.

Feel like it's becoming more and more common, as companies push more costs onto workers.
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LeRainDrop

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Re: Overheard at Work
« Reply #16160 on: December 11, 2016, 03:26:10 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

No.  See post #3.

That seems to indicate that yes, it happens, though it's "inhospitable."

It was always the norm for us.

Feel like it's becoming more and more common, as companies push more costs onto workers.

She says, "Itís not unheard of," which makes me think it's not uncommon, but also not the norm.  In any event, I don't think I would be willing to pay to $100 to attend the company party.  Thankfully, my firm always paid for everything for all employees and their guests.  Although the 2008 party was incredibly scaled back from the usual shindig and it was employees only, but all that was quite understandable in light of the fact that they had just gone through their first round of layoffs.  I think lots of us who survived the layoffs would have felt terrible about a nice celebration knowing that our friends had just been let go (and more layoffs were upcoming in the next year).
« Last Edit: December 11, 2016, 03:27:50 PM by LeRainDrop »

dragoncar

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Re: Overheard at Work
« Reply #16161 on: December 11, 2016, 03:41:40 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

No.  See post #3.

That seems to indicate that yes, it happens, though it's "inhospitable."

It was always the norm for us.

Feel like it's becoming more and more common, as companies push more costs onto workers.

It's particularly prevalent in government, because such parties are easy targets for people outraged over government spending.  E.g.:

"look at these assholes spending my tax money to have a party!"

Although of course nobody will blink an eye if $100 of post-tax salary is used to pay for the party, which is also ultimately taxpayer money.

arebelspy

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Re: Overheard at Work
« Reply #16162 on: December 11, 2016, 04:04:30 PM »
That makes sense.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
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.
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You can also read my forum "Journal."

mustachepungoeshere

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Re: Overheard at Work
« Reply #16163 on: December 11, 2016, 04:29:33 PM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?

It is at my new office.

There is the company Christmas party, which is a very elaborate affair. Technically free to attend, but most of the girls go all out with hair, shoes, nails, new outfit, and limo to the party. A couple of girls told me the Christmas party sets them back more than $500, but it's worth it to them to be seen there.

We have then have a team lunch, $60 each for three courses, which we are expected to cover. I'll skip the big night out but I will attend the lunch, good for networking.

TomTX

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Re: Overheard at Work
« Reply #16164 on: December 11, 2016, 07:13:35 PM »
Not really an overheard at work story, but I was recently looking into getting a new TV during the sales around Black Friday. I was looking into getting a super-duper huge-ass 48 inch TV. Don't care if it's smart, don't care if it's 4k because I won't sit 3 feet from it, and definitely don't want 3D. The absolute most I was going to pay was $300. I happened to be talking to my boss about it at work and he's like, "why don't you just go all-out and get a 65 inch one?"

I just kind of gawked at him for a minute before I realized my mouth was hanging open. I didn't say it, but my thought was, 48 inches is already insanely huge. The man who dies with the biggest and best toys... still dies. I'd rather enjoy life while I have it.

I know it's terribly anti-mustachian of me to be buying a brand-spanking-new TV, but this will probably be our family TV for at least a decade. It's replacing an old TV that I've replaced several parts inside already, which will move to our bedroom until it finally dies again. I would have bought a used one, but interestingly I found that most ads on Craigslist were asking more than retail. Interesting phenomenon with TV prices always dropping so rapidly....

got a 65in tv LED Samsung 1080p shipped to my house and setup for 80 dollars. reviews have it as the best 1080p TV ever made.  its not about what you spend your money on as much as how you can stretch that dollar for something you're looking for.

IIRC from another thread, weren't you the guy using credit card rewards toward the TV and not counting those in the cost?

mustachepungoeshere

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Re: Overheard at Work
« Reply #16165 on: December 11, 2016, 08:51:38 PM »
I just watched someone in my building (not from my immediate team, thank goodness) prepare their lunch.

She had a tub of pre-packaged soup, poured half the soup into a ceramic bowl, then poured the other half down the sink.

Me: Is there something wrong with your soup?
Her: No, but I can't eat it all.
Me: ... why don't you leave half in the fridge and eat it tomorrow?
Her: *blank look* Can I do that?

LeRainDrop

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Re: Overheard at Work
« Reply #16166 on: December 11, 2016, 09:04:02 PM »
I just watched someone in my building (not from my immediate team, thank goodness) prepare their lunch.

She had a tub of pre-packaged soup, poured half the soup into a ceramic bowl, then poured the other half down the sink.

Me: Is there something wrong with your soup?
Her: No, but I can't eat it all.
Me: ... why don't you leave half in the fridge and eat it tomorrow?
Her: *blank look* Can I do that?

How did you stop yourself from laughing out loud???

marty998

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Re: Overheard at Work
« Reply #16167 on: December 12, 2016, 12:30:22 AM »
I just watched someone in my building (not from my immediate team, thank goodness) prepare their lunch.

She had a tub of pre-packaged soup, poured half the soup into a ceramic bowl, then poured the other half down the sink.

Me: Is there something wrong with your soup?
Her: No, but I can't eat it all.
Me: ... why don't you leave half in the fridge and eat it tomorrow?
Her: *blank look* Can I do that?

How did you stop yourself from laughing out loud???

Oh my god...the mere mention of soup brings me to uncontrollable fits of laughter every single time:

"NO SOUP FOR YOU. FOR 1 YEAR!"

LennStar

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Re: Overheard at Work
« Reply #16168 on: December 12, 2016, 03:07:56 AM »
I just watched someone in my building (not from my immediate team, thank goodness) prepare their lunch.

She had a tub of pre-packaged soup, poured half the soup into a ceramic bowl, then poured the other half down the sink.

Me: Is there something wrong with your soup?
Her: No, but I can't eat it all.
Me: ... why don't you leave half in the fridge and eat it tomorrow?
Her: *blank look* Can I do that?
You can probably eat it tomorrow NEXT YEAR because of all the preservaties added. And I am not talking about gum based products here.

Metric Mouse

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Re: Overheard at Work
« Reply #16169 on: December 12, 2016, 03:15:41 AM »
It's particularly prevalent in government, because such parties are easy targets for people outraged over government spending.  E.g.:

"look at these assholes spending my tax money to have a party!"

Although of course nobody will blink an eye if $100 of post-tax salary is used to pay for the party, which is also ultimately taxpayer money.

Interesting thought.
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Re: Overheard at Work
« Reply #16170 on: December 12, 2016, 06:16:24 AM »
Unrelated to finances, but I am having fun listening to the people on the other side of the cube wall talk about this unknown symbol on some electrical drawing. The guy is saying that he doesn't recognize it, though it looks a bit like a capacitor but with a smiley face and a frown-y face on it. I'm not EE myself so I have no clue, but it is funny to listen to.
Depends if the drawing is to IEC, NEMA, or some other standard. Could be Circuit Breakers, Pressure Switches, Limit Switches, or something else. The first thing would be to check the CAD drawing for standard used, then use Google.
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former player

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Re: Overheard at Work
« Reply #16171 on: December 12, 2016, 06:21:31 AM »
I just watched someone in my building (not from my immediate team, thank goodness) prepare their lunch.

She had a tub of pre-packaged soup, poured half the soup into a ceramic bowl, then poured the other half down the sink.

Me: Is there something wrong with your soup?
Her: No, but I can't eat it all.
Me: ... why don't you leave half in the fridge and eat it tomorrow?
Her: *blank look* Can I do that?
You can probably eat it tomorrow NEXT YEAR because of all the preservaties added. And I am not talking about gum based products here.
A funeral director friend told me once that bodies last a lot longer before decaying than they used to, because of preservatives in the food we eat.
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mtn

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Re: Overheard at Work
« Reply #16172 on: December 12, 2016, 08:18:29 AM »
Guy I worked with at my side gig this weekend told me he bought his house in 1994 for $101k. He owes $189k on it now and is thinking about taking out the equity again (probably about $50-$100k).

In fairness to him, he said that his kids will not have any student loans and he is usually (about 9 months of the year) able to pay his mortgage with the side gigs paycheck, but still...  His house probably could have been paid off by now...

economista

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Re: Overheard at Work
« Reply #16173 on: December 12, 2016, 08:48:49 AM »
It's particularly prevalent in government, because such parties are easy targets for people outraged over government spending.  E.g.:

"look at these assholes spending my tax money to have a party!"

Although of course nobody will blink an eye if $100 of post-tax salary is used to pay for the party, which is also ultimately taxpayer money.

Interesting thought.

Yup, I work for the government and we have to pay our own way for our holiday party.  We aren't even allowed to make a calendar invite on our work calendars to remind everyone about it, because that could be construed as using work time to plan it, which also isn't allowed.  Anytime we do anything we have to think to ourselves "is there any possible way for FOX news to twist this into a waste of tax payer dollars?" 
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nobody123

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Re: Overheard at Work
« Reply #16174 on: December 12, 2016, 09:54:01 AM »
It's particularly prevalent in government, because such parties are easy targets for people outraged over government spending.  E.g.:

"look at these assholes spending my tax money to have a party!"

Although of course nobody will blink an eye if $100 of post-tax salary is used to pay for the party, which is also ultimately taxpayer money.

Interesting thought.

Yup, I work for the government and we have to pay our own way for our holiday party.  We aren't even allowed to make a calendar invite on our work calendars to remind everyone about it, because that could be construed as using work time to plan it, which also isn't allowed.  Anytime we do anything we have to think to ourselves "is there any possible way for FOX news to twist this into a waste of tax payer dollars?"

That's just stupid.  There needs to be some sort of employee retention efforts, which I would classify holiday parties as.  Now, if money is being spent to cater in lobster and an open bar, that's one thing, but orgainizing the annual pot luck is quite another.

mm1970

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Re: Overheard at Work
« Reply #16175 on: December 12, 2016, 10:19:35 AM »
I got 3 invitations for work Xmas parties, all >$100 a head, the most expensive one $160 a head.  Included are staff who make under 40K a year. Holy guacamole!
Guess who's being a party pooper? Man, I'm saving like nearly $500 by not going.

WTF it's the social norm for workers to pay to attend a Christmas party?
Yes.

I think it depends.

I haven't paid for a work Christmas party in years (unless you count the $70-90 in babysitting costs).

When I was in the military/ government, it was self-funded because: no taxpayer money spent on a party.
When I got into manufacturing our company was large (1000 employees).  Management found that if the party was free, they would have several hundred no-shows.  So they charged $10 a head, and that worked to cut down the no-shows.

Since then, the last 16-17 years, neither my husband's companies, nor mine, have required payment for attendance.

Chris22

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Re: Overheard at Work
« Reply #16176 on: December 12, 2016, 10:28:35 AM »
Guy I worked with at my side gig this weekend told me he bought his house in 1994 for $101k. He owes $189k on it now and is thinking about taking out the equity again (probably about $50-$100k).

In fairness to him, he said that his kids will not have any student loans and he is usually (about 9 months of the year) able to pay his mortgage with the side gigs paycheck, but still...  His house probably could have been paid off by now...

Not enough information to judge. Would have to know about the rest of his finances, entirely possible he's using his house in order to borrow at a tax adjusted ~1% APR and saving lots elsewhere.  Also, using it to pay for college is about the only acceptable use of home equity IMO.
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

mtn

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Re: Overheard at Work
« Reply #16177 on: December 12, 2016, 11:01:23 AM »
Guy I worked with at my side gig this weekend told me he bought his house in 1994 for $101k. He owes $189k on it now and is thinking about taking out the equity again (probably about $50-$100k).

In fairness to him, he said that his kids will not have any student loans and he is usually (about 9 months of the year) able to pay his mortgage with the side gigs paycheck, but still...  His house probably could have been paid off by now...

Not enough information to judge. Would have to know about the rest of his finances, entirely possible he's using his house in order to borrow at a tax adjusted ~1% APR and saving lots elsewhere.  Also, using it to pay for college is about the only acceptable use of home equity IMO.

You're correct, as usual. And as I mentioned, he does pay the mortgage with his side gig for most months.

RyanAtTanagra

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Re: Overheard at Work
« Reply #16178 on: December 12, 2016, 11:13:41 AM »
Guy I worked with at my side gig this weekend told me he bought his house in 1994 for $101k. He owes $189k on it now and is thinking about taking out the equity again (probably about $50-$100k).

In fairness to him, he said that his kids will not have any student loans and he is usually (about 9 months of the year) able to pay his mortgage with the side gigs paycheck, but still...  His house probably could have been paid off by now...

Not enough information to judge. Would have to know about the rest of his finances, entirely possible he's using his house in order to borrow at a tax adjusted ~1% APR and saving lots elsewhere.  Also, using it to pay for college is about the only acceptable use of home equity IMO.

You're correct, as usual. And as I mentioned, he does pay the mortgage with his side gig for most months.

So then the question is, does he have the side gig because he needs the money to make his mortgage payment?

EfficiencyNerd

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Re: Overheard at Work
« Reply #16179 on: December 12, 2016, 11:59:47 AM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

mtn

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Re: Overheard at Work
« Reply #16180 on: December 12, 2016, 12:14:05 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

Water has to be super cheap for you though, being in Toronto--what is your time worth?

(basing it on having very cheap water in Chicago, due to proximity to that giant body of water we have)

Chris22

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Re: Overheard at Work
« Reply #16181 on: December 12, 2016, 12:19:15 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

Water has to be super cheap for you though, being in Toronto--what is your time worth?

(basing it on having very cheap water in Chicago, due to proximity to that giant body of water we have)

I find all of our utilities in Chicago cheap: water as mentioned, electricity is nuclear and cheap, and we have natural gas which is super cheap right now.  Frankly, trying to save money on any of these three seems laughable to me given how cheap they are here. 
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bebegirl

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Re: Overheard at Work
« Reply #16182 on: December 12, 2016, 12:23:39 PM »
One more story for you.

Met my former colleague last week for coffee to find out about her new job and how she was doing.
Obviously we are exchanging news and stories.

She is asking me about my colleague in my department:

--How is X doing? Is she retiring any time soon?
--Nothing that I heard about. She just turned 66 last month!
--Wow! Why would someone want to work that long?
--Exactly!
----ENJOY YOUR LIFE!!!-- shouted both of us at the same time!!

That was hilarious!

dragoncar

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Re: Overheard at Work
« Reply #16183 on: December 12, 2016, 01:28:02 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

You could dig a well

gimp

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Re: Overheard at Work
« Reply #16184 on: December 12, 2016, 02:13:44 PM »
A funeral director friend told me once that bodies last a lot longer before decaying than they used to, because of preservatives in the food we eat.

That... doesn't sound right.

EfficiencyNerd

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Re: Overheard at Work
« Reply #16185 on: December 12, 2016, 02:23:16 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

Water has to be super cheap for you though, being in Toronto--what is your time worth?

(basing it on having very cheap water in Chicago, due to proximity to that giant body of water we have)

My time is worth way more than my water.

Actually, I have no idea how much water is worth here - my utilities are 100% included with the exception of internet. Even a Standard Definition VIP cable package is included in our apartment building here in Toronto, which is kind of awesome except that we don't watch much TV and I'd rather have the money in pocket and potentially get something cheaper for the stuff we'd actually watch (read: hockey). But hey, I guess it's cool to say we have 200+ channels available even if we only actually care about <5% of them.

dragoncar

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Re: Overheard at Work
« Reply #16186 on: December 12, 2016, 02:25:12 PM »
(Side note: my rent unfortunately includes all utilities... so maybe I'm the sucker?)

https://what-if.xkcd.com/91/

or more directly

http://smbc-comics.com/index.php?db=comics&id=2045#comic

...


Pure awesomeness. I would totally consider doing that to power certain things if I lived alone and had certain utilities covered but not others. Sadly, my wife would likely (and rightly so) object.

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

Water has to be super cheap for you though, being in Toronto--what is your time worth?

(basing it on having very cheap water in Chicago, due to proximity to that giant body of water we have)

My time is worth way more than my water.

Actually, I have no idea how much water is worth here - my utilities are 100% included with the exception of internet. Even a Standard Definition VIP cable package is included in our apartment building here in Toronto, which is kind of awesome except that we don't watch much TV and I'd rather have the money in pocket and potentially get something cheaper for the stuff we'd actually watch (read: hockey). But hey, I guess it's cool to say we have 200+ channels available even if we only actually care about <5% of them.

Somehow you have to turn your showerhead into a free internet connection

EfficiencyNerd

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Re: Overheard at Work
« Reply #16187 on: December 12, 2016, 02:28:33 PM »

The more difficult would be the opposite... free electricity but not water. Buy an electric heater and hold it up to the building sprinkler system to get free water?? Idk, I guess maybe that's pushing it.

You could dig a well

This is great suggestion, although when you factor in the fact that I live on the 12th floor of an apartment building it makes it somewhat difficult. Perhaps I could dig through from the bottom of my parking garage?

EfficiencyNerd

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Re: Overheard at Work
« Reply #16188 on: December 12, 2016, 02:33:52 PM »


Somehow you have to turn your showerhead into a free internet connection

THIS. Genius.

Actually, Google sorta already did that with Google TiSP, you just flush an ethernet cable down your toilet, and the Plumbing Hardware Dispatchers (PHDs) plug the line in!

https://archive.google.com/tisp/install.html

Debts_of_Despair

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Re: Overheard at Work
« Reply #16189 on: December 12, 2016, 02:45:19 PM »
Two coworkers discussing car payments, lamenting the high costs, etc.  Coworker A finishes the conversation by telling coworker B that as soon as his current car is paid off he will be upgrading to a pickup truck.

Digital Dogma

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Re: Overheard at Work
« Reply #16190 on: December 12, 2016, 02:50:26 PM »
During a conversation with a co-worker, we were discussing credit utilization as it relates to one's credit score.

CW1: Yea credit utilization is a major part of your credit score, mine went down when I paid off some credit card debt. Whats your limit?

Me: I have 14,000 in credit over a few different cards, but I don't carry a balance.

CW1: I've got a 40,000 limit with a 14,000 dollar balance.

Me: (!!!...) Oh... was that before you paid it down?

CW1: No, after.


Holy cow. Thats like the cost of a new car, at credit card interest rates.

Kitsune

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Re: Overheard at Work
« Reply #16191 on: December 12, 2016, 02:51:38 PM »
Two coworkers discussing car payments, lamenting the high costs, etc.  Coworker A finishes the conversation by telling coworker B that as soon as his current car is paid off he will be upgrading to a pickup truck.

This is like... the very DEFINITION of not getting the point.

And yeah, I agree that cars are overpriced and commuting is expensive and sucky. Which is why you buy a cheap compact car, maintain it well so it keeps running, and commute as little as possible (either by living close to work or by negotiating partial work-from-home arrangements), thus mitigating the cost. That's ADDRESSING the point.

During a conversation with a co-worker, we were discussing credit utilization as it relates to one's credit score.

CW1: Yea credit utilization is a major part of your credit score, mine went down when I paid off some credit card debt. Whats your limit?

Me: I have 14,000 in credit over a few different cards, but I don't carry a balance.

CW1: I've got a 40,000 limit with a 14,000 dollar balance.

Me: (!!!...) Oh... was that before you paid it down?

CW1: No, after.


Holy cow. Thats like the cost of a new car, at credit card interest rates.

*headdesk* OMFG. I can't even. 14K at credit card rates. WTF.

... Between my husband and I, we have 2 lines of credit and 2 credit cards. If we maxed everything out, we'd have over 80K worth of debt that we're approved for, no questions asked. We use... well, right now, about 2K, which is standard monthly expenses that go on the credit card and get paid off. The rest is free and clear.

And to be clear: I have no idea WHY we're approved for this much, because we'd be so screwed if we ever dug ourselves into that much debt. Thank god we have common sense.
« Last Edit: December 12, 2016, 02:54:31 PM by Kitsune »

Making Cookies

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Re: Overheard at Work
« Reply #16192 on: December 12, 2016, 03:00:49 PM »
Two coworkers discussing car payments, lamenting the high costs, etc.  Coworker A finishes the conversation by telling coworker B that as soon as his current car is paid off he will be upgrading to a pickup truck.

On a much lesser amount - I've heard people discuss cellphones this way. After I pay off this expensive phone i'm going to get rid of it and buy the new next big deal phone. Endless payments for a phone bought in the most expensive way possible.

Shalamar

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Re: Overheard at Work
« Reply #16193 on: December 12, 2016, 03:05:47 PM »
I'm not sure if this qualifies - you be the judge.  I overheard one co-worker telling another "I keep telling my wife that home insurance is a rip-off.  Who cares if anyone steals our stuff?  We can just buy new stuff.  Plus, our house was built in the 60's.  Has it burned down ever?  No!  We could be saving more than $1000/year if we stopped buying insurance!"

The kicker?  WE WORK FOR AN INSURANCE COMPANY.

Chris22

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Re: Overheard at Work
« Reply #16194 on: December 12, 2016, 03:23:53 PM »
Two coworkers discussing car payments, lamenting the high costs, etc.  Coworker A finishes the conversation by telling coworker B that as soon as his current car is paid off he will be upgrading to a pickup truck.

On a much lesser amount - I've heard people discuss cellphones this way. After I pay off this expensive phone i'm going to get rid of it and buy the new next big deal phone. Endless payments for a phone bought in the most expensive way possible.

I "financed" my cell phone, because it's the cheapest way.  Financing it (no interest, just spreading the cost across 24 months) means I can trade in my old phone for a $650 credit spread out over 24 months.

So, I could:  1) pay cash for the phone, ~$900, and sell my phone on craigslist and deal with the hassle, or 2) pay $0 for the phone (Actually think it was $25 activation fee or something), but pay $37.50/mo and receive a credit of $27.08/mo for a net cost per month of $10.

$10/mo wins. 
"If I could get all the money back I ever spent on cars, I'd spend it on cars." - Nick Mason

dragoncar

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Re: Overheard at Work
« Reply #16195 on: December 12, 2016, 04:06:35 PM »
I'm not sure if this qualifies - you be the judge.  I overheard one co-worker telling another "I keep telling my wife that home insurance is a rip-off.  Who cares if anyone steals our stuff?  We can just buy new stuff.  Plus, our house was built in the 60's.  Has it burned down ever?  No!  We could be saving more than $1000/year if we stopped buying insurance!"

The kicker?  WE WORK FOR AN INSURANCE COMPANY.

Could be mustachian if he can afford to self-insure.  Could be anti-mustachian if a fire would ruin him. 

Most people can't self-insure for liability, though.

Travis

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Re: Overheard at Work
« Reply #16196 on: December 12, 2016, 07:39:17 PM »
So I'm filling out my travel voucher at work today and saw a charge for $96 for "tolls" on my company credit card.  I look into it and two months ago I passed through a toll portion of a highway in North Carolina in a rental car.  It turns out that rather than just bill me for the tolls I incurred the rental company added an "administrative fee" of $15 per toll.  When I called the company that processes these claims for the rental agency they said if I had entered the toll agreement when I rented the car (which they never mentioned) the processing fees would have dropped to make it a $63 bill. I about snapped at the woman on the phone. Apparently the right answer is to go to the state's toll website and pay right away.  As a visitor to the state renting one of their cars this entire system (I say scam) wasn't listed anywhere at the rental office.  Lucky for me I'm not the one paying the bill, but it was very infuriating nonetheless. 

rencelas

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Re: Overheard at Work
« Reply #16197 on: December 12, 2016, 07:47:20 PM »
Lucky for me I'm not the one paying the bill, but it was very infuriating nonetheless.

I got dinged for a $16 fee for a $2 toll in downtown Norfolk, VA. There was no cash lane or anything similar, so I had to drive through. Lame, but like you, work paid for it. I really dislike those style of tolls.

gimp

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Re: Overheard at Work
« Reply #16198 on: December 12, 2016, 08:10:06 PM »
So I'm filling out my travel voucher at work today and saw a charge for $96 for "tolls" on my company credit card.  I look into it and two months ago I passed through a toll portion of a highway in North Carolina in a rental car.  It turns out that rather than just bill me for the tolls I incurred the rental company added an "administrative fee" of $15 per toll.  When I called the company that processes these claims for the rental agency they said if I had entered the toll agreement when I rented the car (which they never mentioned) the processing fees would have dropped to make it a $63 bill. I about snapped at the woman on the phone. Apparently the right answer is to go to the state's toll website and pay right away.  As a visitor to the state renting one of their cars this entire system (I say scam) wasn't listed anywhere at the rental office.  Lucky for me I'm not the one paying the bill, but it was very infuriating nonetheless.

Rental companies fucking love tolls. $2? That's $2 + $25. Per toll, not for all the tolls combined. Fuck You, that's why.

englyn

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Re: Overheard at Work
« Reply #16199 on: December 12, 2016, 10:58:56 PM »
I finally have one to add!
Guy having a conversation standing near my desk: I can't rely on super. When I retire I'll have a house worth about 1.5M, I'll reverse mortgage it to the hilt, that'll be my cash cow.

Context: super is the Aus compulsary retirement account, the govt sometimes changes minimum withdrawal age or taxes on it, but it's the best legal tax dodge around, as additional voluntary contributions can be made pre-tax at less than half the usual income tax rate. This guy probably makes twice average salary. We've just finished a huge property boom and honestly I expect stagnant property prices for at least a decade. If you don't trust the govt 'changing the rules' with your super, why in hell you would trust a commercial bank with a (costly) reverse mortgage is mystifying. (To be honest I don't make additional voluntary contributions to super either, but in my case it's because I'll want to RE before I can access it at ~ age 65, so my >50% savings rate goes elsewhere...)