Author Topic: Overheard at Work  (Read 8475675 times)

TomTX

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Re: Overheard at Work
« Reply #16200 on: December 19, 2016, 10:58:09 AM »
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.

I would have to be arsed to actually add it all up. I've got over $35K in credit cards just with Chase. My wife has something similar. I have 4 other credit card issuers. Probably $200k or something silly like that. Everything paid off in full every month, of course.

One of my co-workers just didn't get it about what I pay in interest. $0. He carries a balance for some stupid reason - he's got plenty of cash coming in, more than I do. He does like his toys. Anyway, he's all insistent that I tell him my rate because he's all proud he only pays like 10%. Wouldn't accept it that my rate is $0, because I pay it off every month. "Yeah, but what's your RATE?"

Champ, it's $0. They lend me money for free. Just pay it off every month.

"Yeah, but what's your RATE?"

Actually, they pay me to loan me money. My "Rate" would be somewhere between -2% and -5%, since that's my cash back depending on the category.

MgoSam

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Re: Overheard at Work
« Reply #16201 on: December 19, 2016, 11:01:12 AM »
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.

I would have to be arsed to actually add it all up. I've got over $35K in credit cards just with Chase. My wife has something similar. I have 4 other credit card issuers. Probably $200k or something silly like that. Everything paid off in full every month, of course.

One of my co-workers just didn't get it about what I pay in interest. $0. He carries a balance for some stupid reason - he's got plenty of cash coming in, more than I do. He does like his toys. Anyway, he's all insistent that I tell him my rate because he's all proud he only pays like 10%. Wouldn't accept it that my rate is $0, because I pay it off every month. "Yeah, but what's your RATE?"

Champ, it's $0. They lend me money for free. Just pay it off every month.

"Yeah, but what's your RATE?"

Actually, they pay me to loan me money. My "Rate" would be somewhere between -2% and -5%, since that's my cash back depending on the category.

If you want to really mess with him tell it's 10%. He'll likely curse and try to get whatever credit card you have. It likely isn't worth the joke as he'll likely badger the crap out of you to get details.

I have no clue what my APR is as like you I pay off my card in full each month. In fact, as I travel a decent amount I have it set to autopay (I do check the statements carefully).

JAYSLOL

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Re: Overheard at Work
« Reply #16202 on: December 19, 2016, 11:03:11 AM »
I earned a much bigger performance bonus this year, it really felt like extra money that I should do something special for myself with, so i invested it in low-fee index funds and increased my savings rate to a personal record level!  Pampering achieved!

What a great way to treat yourself!

I got a decent bonus too, and was like, MMM said I could buy myself a fancy coffee, since it's such a decent amount! But... nah, I'd rather put it all in savings.

LOL, yup same here.  I only remembered the fancy coffee thing well after i transferred it all to my retirement funds, and since i brew some pretty good coffee at home now, i couldn't care less about fancy coffee out anymore.  I get more pumped by increasing my savings rate than buying myself anything these days. 

I earned a much bigger performance bonus this year, it really felt like extra money that I should do something special for myself with, so i invested it in low-fee index funds and increased my savings rate to a personal record level!  Pampering achieved!

Treat yo' self!

I loved everything about both of these comments.

Thanks ARS!

TomTX

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Re: Overheard at Work
« Reply #16203 on: December 19, 2016, 12:03:22 PM »
I just borrow my wife's black dress.  Free to me

I can't fit into my wife's black dress.

gimp

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Re: Overheard at Work
« Reply #16204 on: December 19, 2016, 02:16:09 PM »
I just borrow my wife's black dress.  Free to me

I can't fit into my wife's black dress.

Odd, she lets me get into it.

:)

(Sorry, you made that joke too easy.)

nnls

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Re: Overheard at Work
« Reply #16205 on: December 19, 2016, 02:49:05 PM »
It gets worse really, since earlier this year they refinanced their mortgage to consolidate all their debts (I think they had about 50k in personal loans/ car loans/ cc debt) and by the sounds of it they will be back in the same position in another 12 months

This is such a horrible maneuver, because it doesn't get rid of the underlying problem, uncontrolled spending.  My sister talked my mom into doing this a few years ago and I didn't find out until afterwards.  I was like 'are you f'ing crazy?!'.  And yep, took less than a year before the CC debt started adding back up again.  Then she got mad at her and all I could say was 'how could you possibly have seen that going any other way?'.  40 years of bad spending habits don't go away just because you shuffle debts around.

yeah when he did the inital debt consolidation we asked if he was going to cut up the credit cards but he said he couldnt incase he wanted a jet ski or something in the future.

MoMan

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Re: Overheard at Work
« Reply #16206 on: December 19, 2016, 02:55:07 PM »

My co-worker who complains the most about work is also the one who dines out at lunch every day: minimum of $12, but $30 and up is not uncommon. Last week I joined him for another co-worker’s b-day lunch (I eat out about once every month or two). I got a $7.50 bowl of rice and chicken and he complained about his $25 beef dish.

He has also confessed to me that he has purchased $300 dress shoes and has an eBay lamp buying addiction (read: expensive and decorative) and no longer has enough room in his townhome to display any more lamps.

Recently he informed me that he sold his Lexus “because it was 10 years old.” And he “got a really good deal” on a brand new Lexus (same basic model). A few minutes ago he was complaining about some of the annoyances with the electronic interface of the new car. I said, “You should have stuck with the old car,” and he halfway agreed.

He says his sister bought it from him to give it to her son – who is currently 13 years old! She’s going to keep it for 2 or 3 years until he is old enough to drive.

Of course, the boy doesn’t want a nice luxury sedan. He wants a great big pickup truck. So she will probably sell it. I said why not buy it back from her and get rid of the new Lexus? He just shrugged his shoulders and said, “Yeah, oh well.”

I can’t wait to tell him I’m retiring in style in just a couple of years.

BuffaloStache

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Re: Overheard at Work
« Reply #16207 on: December 20, 2016, 06:27:12 PM »
He says his sister bought it from him to give it to her son – who is currently 13 years old! She’s going to keep it for 2 or 3 years until he is old enough to drive.

Of course, the boy doesn’t want a nice luxury sedan. He wants a great big pickup truck. So she will probably sell it. I said why not buy it back from her and get rid of the new Lexus? He just shrugged his shoulders and said, “Yeah, oh well.”

Wow, just wow. No words beyond that...

marty998

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Re: Overheard at Work
« Reply #16208 on: December 20, 2016, 06:41:08 PM »
It gets worse really, since earlier this year they refinanced their mortgage to consolidate all their debts (I think they had about 50k in personal loans/ car loans/ cc debt) and by the sounds of it they will be back in the same position in another 12 months

This is such a horrible maneuver, because it doesn't get rid of the underlying problem, uncontrolled spending.  My sister talked my mom into doing this a few years ago and I didn't find out until afterwards.  I was like 'are you f'ing crazy?!'.  And yep, took less than a year before the CC debt started adding back up again.  Then she got mad at her and all I could say was 'how could you possibly have seen that going any other way?'.  40 years of bad spending habits don't go away just because you shuffle debts around.

yeah when he did the inital debt consolidation we asked if he was going to cut up the credit cards but he said he couldnt incase he wanted a jet ski or something in the future.

People put a jet ski on a credit card? The fuck stupid is that!

No money left for a life jacket I presume.

nnls

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Re: Overheard at Work
« Reply #16209 on: December 20, 2016, 07:33:39 PM »
It gets worse really, since earlier this year they refinanced their mortgage to consolidate all their debts (I think they had about 50k in personal loans/ car loans/ cc debt) and by the sounds of it they will be back in the same position in another 12 months

This is such a horrible maneuver, because it doesn't get rid of the underlying problem, uncontrolled spending.  My sister talked my mom into doing this a few years ago and I didn't find out until afterwards.  I was like 'are you f'ing crazy?!'.  And yep, took less than a year before the CC debt started adding back up again.  Then she got mad at her and all I could say was 'how could you possibly have seen that going any other way?'.  40 years of bad spending habits don't go away just because you shuffle debts around.

yeah when he did the inital debt consolidation we asked if he was going to cut up the credit cards but he said he couldnt incase he wanted a jet ski or something in the future.

People put a jet ski on a credit card? The fuck stupid is that!

No money left for a life jacket I presume.

I am not sure if he would put a jetski on a credit card he just wanted the option. though if its anything like the bike it didnt go on a credit card since his wife would see that, instead it was a loan just in his name so she doesnt find out

Metric Mouse

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Re: Overheard at Work
« Reply #16210 on: December 21, 2016, 04:06:11 AM »
I am not sure if he would put a jetski on a credit card he just wanted the option. though if its anything like the bike it didnt go on a credit card since his wife would see that, instead it was a loan just in his name so she doesnt find out

Where does the money for the payments come from? I suppose the wife never checks the checking account to notice loan payments sneaking out of there; she just checks the cc statement.

Linda_Norway

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Re: Overheard at Work
« Reply #16211 on: December 21, 2016, 04:16:16 AM »
I have heard of the expression "wife receipt" among fly fishing guys who want to hide the real prices from their wives. I think it's stupid. If your new tool is so expensive it doesn't tolerate your spouse knowing about it, you obviously can't afford it.

I might have some opinions about the prices of my DH's fly fishing rods and his new bike, but I keep it for myself. I understand that he wants to spend some money on himself on his hobbies. We can afford it easily and I know the rods will last a life time. But of course we end up with a really big number.

Megma

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Re: Overheard at Work
« Reply #16212 on: December 21, 2016, 08:38:08 AM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

infogoon

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Re: Overheard at Work
« Reply #16213 on: December 21, 2016, 08:42:59 AM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

cheapass

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Re: Overheard at Work
« Reply #16214 on: December 21, 2016, 09:00:28 AM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

ringer707

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Re: Overheard at Work
« Reply #16215 on: December 21, 2016, 11:08:33 AM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

I recently discovered what LuLaRoe is. A friend posted a picture of herself in a LuLaRoe work-appropriate skirt on facebook and I figured I'd check their website to see if I could find it since I'm very tall and the skirt looked like it would be long enough for me. After hunting around the website and trying to find where the eff the actual clothes were, I texted a friend who informed me that you had to find a "consultant" and go to their house to buy it. Uhhh no. Hard pass.

I'm a red panda

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Re: Overheard at Work
« Reply #16216 on: December 21, 2016, 11:23:47 AM »
Lularoe fabric quality sucks for the price.  Don't do it.

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Re: Overheard at Work
« Reply #16217 on: December 21, 2016, 11:31:45 AM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".  (Edit: They live in Texas.)  I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.
« Last Edit: December 22, 2016, 07:27:00 AM by iowajes »

Metric Mouse

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Re: Overheard at Work
« Reply #16218 on: December 21, 2016, 11:47:02 AM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".   I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.

Urg. If a person doesn't know they need a 4wd, they probably don't.  On the other hand, with 4wd, on paved roads, there's just about nothing that you can't get through. I've lived in some places where 4wd is absolutely the difference between making it home and spending the night in a drift..

honeybbq

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Re: Overheard at Work
« Reply #16219 on: December 21, 2016, 12:16:11 PM »


- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.


Could you share the link? I've had horrible luck with leggings for myself and daughter on 'zon.

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Re: Overheard at Work
« Reply #16220 on: December 21, 2016, 12:38:16 PM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".   I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.

Urg. If a person doesn't know they need a 4wd, they probably don't.  On the other hand, with 4wd, on paved roads, there's just about nothing that you can't get through. I've lived in some places where 4wd is absolutely the difference between making it home and spending the night in a drift..

The "wall of shame" was that he was planning on buying a vehicle for a purpose he has never ever driven in, and is highly unlikely to drive in.  It's like if I decided to get a Mini because parallel parking in NYC is tough and I go there twice a year. Doesn't matter that I've never parked in NYC, and am highly unlikely to in the future. It's just good to be "prepared".

Living here- I've had to leave the Civic at the bottom of a sloped driveway a few times; but a monster vehicle is just not needed. And now my driveway is flat :)

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Re: Overheard at Work
« Reply #16221 on: December 21, 2016, 01:31:00 PM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".   I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.

Why don't you point them to a Subaru or CR-V or RAV4?

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Re: Overheard at Work
« Reply #16222 on: December 21, 2016, 01:33:52 PM »

My co-worker who complains the most about work is also the one who dines out at lunch every day: minimum of $12, but $30 and up is not uncommon. Last week I joined him for another co-worker’s b-day lunch (I eat out about once every month or two). I got a $7.50 bowl of rice and chicken and he complained about his $25 beef dish.

He has also confessed to me that he has purchased $300 dress shoes and has an eBay lamp buying addiction (read: expensive and decorative) and no longer has enough room in his townhome to display any more lamps.

Recently he informed me that he sold his Lexus “because it was 10 years old.” And he “got a really good deal” on a brand new Lexus (same basic model). A few minutes ago he was complaining about some of the annoyances with the electronic interface of the new car. I said, “You should have stuck with the old car,” and he halfway agreed.

He says his sister bought it from him to give it to her son – who is currently 13 years old! She’s going to keep it for 2 or 3 years until he is old enough to drive.

Of course, the boy doesn’t want a nice luxury sedan. He wants a great big pickup truck. So she will probably sell it. I said why not buy it back from her and get rid of the new Lexus? He just shrugged his shoulders and said, “Yeah, oh well.”

I can’t wait to tell him I’m retiring in style in just a couple of years.

I heard about some older fellow keeping a collector car (in rough condition) for the grandchild - - who was in diapers...

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Re: Overheard at Work
« Reply #16223 on: December 21, 2016, 02:01:23 PM »
Why don't you point them to a Subaru or CR-V or RAV4?

I don't think they sell those at the Lexus or Audi dealerships.  :)  My parents are Bogleheads, NOT Mustachians. 

gimp

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Re: Overheard at Work
« Reply #16224 on: December 21, 2016, 03:14:01 PM »
Tell your dad to get a Ford Raptor. (Wait, didn't they stop selling the v8?)

nnls

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Re: Overheard at Work
« Reply #16225 on: December 21, 2016, 03:35:46 PM »
I am not sure if he would put a jetski on a credit card he just wanted the option. though if its anything like the bike it didnt go on a credit card since his wife would see that, instead it was a loan just in his name so she doesnt find out

Where does the money for the payments come from? I suppose the wife never checks the checking account to notice loan payments sneaking out of there; she just checks the cc statement.

I think that's why he needs to lie and tell her he quit smoking it will be only a $200 a month payment (I think he said) or maybe they have slightly separate bank accounts.

rachellynn99

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Re: Overheard at Work
« Reply #16226 on: December 21, 2016, 03:41:44 PM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

YES! Luluroe. I've been bombarded with that myself. I bought a pair of black leggings at CVS for $5.99 during black friday. They actually were kind of free, because I used some previous Extra Care Bucks to buy them, then got the $5.99 back as extra care bucks. They are amazing btw.

The newest things I've been noticing are people I know selling this stuff called "Lipsense". If I understand correctly you get the first starter set for $60, then after you get that, each color is only $20.

I like lipstick, I wear it to work most days, $3.99-$5.99 for a tube that lasts maybe 6 months at CVS.

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Re: Overheard at Work
« Reply #16227 on: December 21, 2016, 03:47:12 PM »
I am not sure if he would put a jetski on a credit card he just wanted the option. though if its anything like the bike it didnt go on a credit card since his wife would see that, instead it was a loan just in his name so she doesnt find out
Where does the money for the payments come from? I suppose the wife never checks the checking account to notice loan payments sneaking out of there; she just checks the cc statement.
I think that's why he needs to lie and tell her he quit smoking it will be only a $200 a month payment (I think he said) or maybe they have slightly separate bank accounts.

I would think that's backwards and he should quit smoking without telling her, so she thinks the $200/mo is still going to cigs.
« Last Edit: December 21, 2016, 04:18:30 PM by RyanAtTanagra »

ender

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Re: Overheard at Work
« Reply #16228 on: December 21, 2016, 04:15:11 PM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".   I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.

Unless you live way off a paved road you do not *need* 4WD in Iowa at all.

It might be a nice luxury, but need? Not even close...

nnls

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Re: Overheard at Work
« Reply #16229 on: December 21, 2016, 04:23:26 PM »
I am not sure if he would put a jetski on a credit card he just wanted the option. though if its anything like the bike it didnt go on a credit card since his wife would see that, instead it was a loan just in his name so she doesnt find out
Where does the money for the payments come from? I suppose the wife never checks the checking account to notice loan payments sneaking out of there; she just checks the cc statement.
I think that's why he needs to lie and tell her he quit smoking it will be only a $200 a month payment (I think he said) or maybe they have slightly separate bank accounts.

I would think that's backwards and he should quit smoking without telling her, so she thinks the $200/mo is still going to cigs.

well he spends a lot more than $200 a month on smokes so maybe he will just reduce his smoking and be able to afford the bike?

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Re: Overheard at Work
« Reply #16230 on: December 21, 2016, 05:58:54 PM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

YES! Luluroe. I've been bombarded with that myself. I bought a pair of black leggings at CVS for $5.99 during black friday. They actually were kind of free, because I used some previous Extra Care Bucks to buy them, then got the $5.99 back as extra care bucks. They are amazing btw.

The newest things I've been noticing are people I know selling this stuff called "Lipsense". If I understand correctly you get the first starter set for $60, then after you get that, each color is only $20.

I like lipstick, I wear it to work most days, $3.99-$5.99 for a tube that lasts maybe 6 months at CVS.

Am I the only person who thinks the LulaRoe stuff is ugly as all get out? Funky printed leggings on thick thighs is not a good look.
« Last Edit: December 21, 2016, 06:11:43 PM by crispy »

dragoncar

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Re: Overheard at Work
« Reply #16231 on: December 21, 2016, 06:07:41 PM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

YES! Luluroe. I've been bombarded with that myself. I bought a pair of black leggings at CVS for $5.99 during black friday. They actually were kind of free, because I used some previous Extra Care Bucks to buy them, then got the $5.99 back as extra care bucks. They are amazing btw.

The newest things I've been noticing are people I know selling this stuff called "Lipsense". If I understand correctly you get the first starter set for $60, then after you get that, each color is only $20.

I like lipstick, I wear it to work most days, $3.99-$5.99 for a tube that lasts maybe 6 months at CVS.

Am I the only person who thinks the LulaRoe stuff is ugly as am get out? Funky printed leggings on thick thighs is not a good look.

I had to look it up but... so ugly.  Ladies, please no.  Unless it's like ironic at an 80's party.

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Re: Overheard at Work
« Reply #16232 on: December 21, 2016, 07:26:01 PM »
As someone who works in an office filled with 18-35 year old nerds, I have a really hard time picturing how anything would get done if we suddenly had women walking around the place in leggings.

It would probably trigger a company-wide alert by the end of the day.

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Re: Overheard at Work
« Reply #16233 on: December 21, 2016, 09:49:23 PM »
As someone who works in an office filled with 18-35 year old nerds, I have a really hard time picturing how anything would get done if we suddenly had women walking around the place in leggings.

It would probably trigger a company-wide alert by the end of the day.

A true nerd wouldn't notice.

financialfreedomsloth

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Re: Overheard at Work
« Reply #16234 on: December 22, 2016, 01:44:54 AM »
As someone who works in an office filled with 18-35 year old nerds, I have a really hard time picturing how anything would get done if we suddenly had women walking around the place in leggings.

It would probably trigger a company-wide alert by the end of the day.
At my previous job we got audited twice a year. This one time there was a young woman in an almost see through dress as part of the audit team. When the sun was behind her, the dress was very see through, as in: I can tell you what brand of underwear you are wearing (and it was nice lingerie …)

She was young, pretty and friendly enough to get up and go get whatever page I decided to print for her auditing purposes, walking to the printer meant the sun was behind her from my point of view … Never has an audit team left with so much documentation … ;-)

My co-worker who sat right across of me hadn’t even noticed (epic nerd level!), my manager had. He came to thank me for providing the audit team with such a detailed overview of our process…

Best day in the office, ever!!

Metric Mouse

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Re: Overheard at Work
« Reply #16235 on: December 22, 2016, 03:25:04 AM »
As someone who works in an office filled with 18-35 year old nerds, I have a really hard time picturing how anything would get done if we suddenly had women walking around the place in leggings.

It would probably trigger a company-wide alert by the end of the day.
At my previous job we got audited twice a year. This one time there was a young woman in an almost see through dress as part of the audit team. When the sun was behind her, the dress was very see through, as in: I can tell you what brand of underwear you are wearing (and it was nice lingerie …)

She was young, pretty and friendly enough to get up and go get whatever page I decided to print for her auditing purposes, walking to the printer meant the sun was behind her from my point of view … Never has an audit team left with so much documentation … ;-)

My co-worker who sat right across of me hadn’t even noticed (epic nerd level!), my manager had. He came to thank me for providing the audit team with such a detailed overview of our process…

Best day in the office, ever!!

I think I love this story. :D  At a friend's wedding a few summers ago, the young, pretty photographer was wearing a similar see-through dress... she had no trouble getting everyone to smile.

marty998

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Re: Overheard at Work
« Reply #16236 on: December 22, 2016, 04:57:47 AM »
Audit girl at my work a few years ago... not quite a see through dress but she was very very pretty.

One of the women I worked with (older, very smart tax expert) asked me "Martin... whats going on? I keep seeing you looking across the room".

I pointed at J---

"I can't get any work done...she's...distracting!"

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Re: Overheard at Work
« Reply #16237 on: December 22, 2016, 04:59:14 AM »
We've had our first round of snowy weather the last week or two, so the most common topic of conversation is people complaining about their ridiculous commutes becoming even MORE ridiculous because the roads are icy.

If only you'd had some inclination before building a house in a third-ring exurb that it snows here in Western New York, like the fact that we're literally only known for harsh winters and chicken wings. If only.

Sounds like a great excuse to go out and by a $80,000 luxury SUV with 4 wheel drive!

My Mom told me last night that my Dad is looking to buy a new car (and it will without a doubt be a luxury vehicle, he gets a new one every 2-3 years).

My Dad suggested "we should probably make sure to get a 4WD because of the snowy Iowa winters".   I'm expecting a baby in March, so they will probably come visit more than normal, but in 10 years they have NEVER visited me when there was snow on the ground...  Thankfully, my mother pointed that out to him; and I mentioned to her that 4WD isn't necessarily the best choice for driving in the snow on paved roads anyway.

Still, I'm sure the car will cost $75k plus regardless of what they buy.
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

Metric Mouse

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Re: Overheard at Work
« Reply #16238 on: December 22, 2016, 05:07:14 AM »
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

I believe if the thread found that 4wd was useless it did not come to the correct conclusion. There are certainly situations that 4wd is not the answer to, and it's not always worth the cost upgrade, but there are real-world driving applications where a vehicle with more ground clearance and four powered wheels is quite superior to a 2wd car.

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Re: Overheard at Work
« Reply #16239 on: December 22, 2016, 05:43:20 AM »
Audit girl at my work a few years ago... not quite a see through dress but she was very very pretty.

One of the women I worked with (older, very smart tax expert) asked me "Martin... whats going on? I keep seeing you looking across the room".

I pointed at J---

"I can't get any work done...she's...distracting!"

:) :) :)

LennStar

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Re: Overheard at Work
« Reply #16240 on: December 22, 2016, 06:20:38 AM »
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

I believe if the thread found that 4wd was useless it did not come to the correct conclusion. There are certainly situations that 4wd is not the answer to, and it's not always worth the cost upgrade, but there are real-world driving applications where a vehicle with more ground clearance and four powered wheels is quite superior to a 2wd car.
Okay, I reword this:
4WD in summer tires is useless compared to 2WD with winter tires. 4WD with winter tires is still better then 2WD with winter tires. But not much based on "normal" climates (not 6 month canadian winter with minimum 20cm snow on every street). That said, I have plowed through 20cm snow with a small car and only front drive - you just need the right tires. Most important safety part except the brakes.

I'm a red panda

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Re: Overheard at Work
« Reply #16241 on: December 22, 2016, 07:26:08 AM »
As someone who works in an office filled with 18-35 year old nerds, I have a really hard time picturing how anything would get done if we suddenly had women walking around the place in leggings.

It would probably trigger a company-wide alert by the end of the day.

Lularoe is a "modest" company though. So all the tops are generally long enough to cover the butt.

Of course, you probably wouldn't get anything done because you'd be sniggering at the ridiculous patterns women are wearing and calling "business appropriate".

We have a few women at my office who wear LLR, but we have a very very casual office (I'm in jeans and a hoodie right now). These designs look like things I would have thought were amazing when I was 8.




GuitarStv

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Re: Overheard at Work
« Reply #16242 on: December 22, 2016, 07:27:18 AM »
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

I believe if the thread found that 4wd was useless it did not come to the correct conclusion. There are certainly situations that 4wd is not the answer to, and it's not always worth the cost upgrade, but there are real-world driving applications where a vehicle with more ground clearance and four powered wheels is quite superior to a 2wd car.
Okay, I reword this:
4WD in summer tires is useless compared to 2WD with winter tires. 4WD with winter tires is still better then 2WD with winter tires. But not much based on "normal" climates (not 6 month canadian winter with minimum 20cm snow on every street). That said, I have plowed through 20cm snow with a small car and only front drive - you just need the right tires. Most important safety part except the brakes.

Yep, this is exactly right.  AWD with all-seasons handles far worse than a 2 wheel drive car with snow tires in any winter situation you're ever likely to find yourself in.  I spent the first twenty years of my life deep in Northern Ontario, I've had an awful lot of experience driving in winter weather.

mtn

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Re: Overheard at Work
« Reply #16243 on: December 22, 2016, 07:39:32 AM »
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

I believe if the thread found that 4wd was useless it did not come to the correct conclusion. There are certainly situations that 4wd is not the answer to, and it's not always worth the cost upgrade, but there are real-world driving applications where a vehicle with more ground clearance and four powered wheels is quite superior to a 2wd car.
Okay, I reword this:
4WD in summer tires is useless compared to 2WD with winter tires. 4WD with winter tires is still better then 2WD with winter tires. But not much based on "normal" climates (not 6 month canadian winter with minimum 20cm snow on every street). That said, I have plowed through 20cm snow with a small car and only front drive - you just need the right tires. Most important safety part except the brakes.

Yep, this is exactly right.  AWD with all-seasons handles far worse than a 2 wheel drive car with snow tires in any winter situation you're ever likely to find yourself in. 

Well that is quite the loaded statement. What kind of AWD are we talking about? The Honda version of the late 90's where it only comes into play if the front wheels slip? Or something like an Outback in which it is a real AWD system? Does 2WD mean RWD like a Miata or FWD like a SAAB?

I'd have taken my SAAB in all seasons over just about anything in snow tires. I'd take any AWD vehicle in all seasons over my Miata on snow tires--Hell, I'd say that on anything but ice the FWD Corolla with all seasons was better than the Miata on snow tires and an under-steer setup.

BTW, the SAAB in snows was unstoppable. The only thing I've drive that was better was a 4Runner in snows. But the SAAB in all seasons was good enough for 99% of what I saw--which is to say a very snowy area, the only time it got stopped was when the snow was 3 feet high.

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Re: Overheard at Work
« Reply #16244 on: December 22, 2016, 08:53:29 AM »
Why don't you point them to a Subaru or CR-V or RAV4?

I don't think they sell those at the Lexus or Audi dealerships.  :)  My parents are Bogleheads, NOT Mustachians.
I know what you mean. I hang out at BH too!
Despite Taylor Larrimore telling the BH faithful to buy a Toyota Corolla (or similar), they like their Euro Luxomobiles and fancy watches.
I love FWFinance, when the Crown Vic is the ride of choice.

BHers are a bunch of entitled prima donnas. Wanting their cake and eating it too. I think it is an older crowd, especially if you read their Personal Consumer Issues sub-forum. And their mods won't allow the F-word.
Fuck that! https://www.youtube.com/watch?v=AsZwRirDOYQ

Paul der Krake

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Re: Overheard at Work
« Reply #16245 on: December 22, 2016, 09:07:27 AM »
Despite Taylor Larrimore telling the BH faithful to buy a Toyota Corolla (or similar), they like their Euro Luxomobiles and fancy watches.
I love FWFinance, when the Crown Vic is the ride of choice.

BHers are a bunch of entitled prima donnas. Wanting their cake and eating it too. I think it is an older crowd, especially if you read their Personal Consumer Issues sub-forum. And their mods won't allow the F-word.
Fuck that! https://www.youtube.com/watch?v=AsZwRirDOYQ
Definitely an older crowd. I try to go to both meetups- the median age for MMM is probably 28, and 48 for Bogleheads.

I actually like their very strict moderation, even though I wouldn't want it applied here.

kimmarg

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Re: Overheard at Work
« Reply #16246 on: December 22, 2016, 09:24:48 AM »
Out of nowhere my life has been infiltrated by the LuLaRoe MLM fad of the moment. I heard my first mention of it about two months ago at the office while eating lunch and now it's all over facebook and several of my colleagues are talking about it constantly. And apparently it's all they are wearing.

Highlights of the LuLaRoe conversations I've heard:

- This company specializes in leggings which are $25/pair! That is their most popular and least expensive item. Tops are $35. In case you are not familiar with leggings prices I recently bought a 6-pack of fleece lined leggings (ie the warmer thicker kind) for $30 on Amazon.
- These $25 leggings are apparently special because they are "extra" soft and made of a "special" fabric - they are 100% polyester.
- One co-worker spent $125 on leggings at a home party recently.
- A facebook friend recently pleaded for an intervention after buying 8 pairs of Halloween print leggings for her and her daughter
- Several co-workers have friends who have quit their jobs to sell LuLaRoe full time, they said the starting buy-in for a consultant is $5,000+ (that is 200 pairs of leggings at the retail price, so probably 400ish if they are getting wholesale price). One of these sellers renovated a room in her house to function as her showroom for parties.
- One co-worker accidentally hit the "claim" button on a consultant's online ordering page (you can buy online by "claiming" something they post or at a house party) and said "ok I guess I will buy them since I hit the button on accident" - what?

I hope for the sake of these people who have quit their jobs to buy and sell thousands of dollars worth of leggings that this fad lasts but I'm tired of hearing about it.

Also, I might be prematurely an old lady but I don't think wearing leggings as pants to the office is acceptable attire. Leggings under a dress, fine. Leggings to run errands or when not at work, do as you please. But I do not want to see your butt cheeks at the office.

YES! Luluroe. I've been bombarded with that myself. I bought a pair of black leggings at CVS for $5.99 during black friday. They actually were kind of free, because I used some previous Extra Care Bucks to buy them, then got the $5.99 back as extra care bucks. They are amazing btw.

The newest things I've been noticing are people I know selling this stuff called "Lipsense". If I understand correctly you get the first starter set for $60, then after you get that, each color is only $20.

I like lipstick, I wear it to work most days, $3.99-$5.99 for a tube that lasts maybe 6 months at CVS.

Am I the only person who thinks the LulaRoe stuff is ugly as all get out? Funky printed leggings on thick thighs is not a good look.

I was just given a pair for my birthday. They are in fact super soft and comfortable the ones I have are plain not print. I haven't worn them out of the house but I gotta say for a its-winter-stuck-inside-with-baby all day they're pretty nice. Plus stretchy lets you ignore the havent-quite-lost-the-baby-weight. That said I certainly don't need 8 pairs. one is plenty.

I'm a red panda

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Re: Overheard at Work
« Reply #16247 on: December 22, 2016, 10:14:04 AM »
My neighbor who sells them says LLR is sending way fewer solids than they used to (you don't get to pick...)

I considered a dark teal pair (the hostess took all the black pairs before the party started); but they were too long on me - I've never been not one-size-fits-all.  They were soft though. So my pity purchase for that party was a "classic tee" which wasn't worth $35, but a pretty basic geometric print.  I've since avoided the parties.

Did your leggings get holes in them quickly? I've read that complaint a lot.

Prairie Stash

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Re: Overheard at Work
« Reply #16248 on: December 22, 2016, 10:37:10 AM »
We had a huge thread(part) on this once, and all agreed that 4WD is useless. If you drive summer tires. And 2 motorised wheels with winter tires is way better then 4WD with summer tires. And if a 2 wheel car with winter tires is "skating" then 4WD dont have any grip too.

I believe if the thread found that 4wd was useless it did not come to the correct conclusion. There are certainly situations that 4wd is not the answer to, and it's not always worth the cost upgrade, but there are real-world driving applications where a vehicle with more ground clearance and four powered wheels is quite superior to a 2wd car.
Okay, I reword this:
4WD in summer tires is useless compared to 2WD with winter tires. 4WD with winter tires is still better then 2WD with winter tires. But not much based on "normal" climates (not 6 month canadian winter with minimum 20cm snow on every street). That said, I have plowed through 20cm snow with a small car and only front drive - you just need the right tires. Most important safety part except the brakes.

Yep, this is exactly right.  AWD with all-seasons handles far worse than a 2 wheel drive car with snow tires in any winter situation you're ever likely to find yourself in.  I spent the first twenty years of my life deep in Northern Ontario, I've had an awful lot of experience driving in winter weather.
As a teenager I remember getting our logging roads plowed and then taking our 2WD truck to the work site in winter. I also remember shoveling out 4WD trucks who got stuck then hopping back into our 2WD truck and complaining about the driver needing lessons. Typically the complaint was city slickers being too ignorant to drive to the road conditions cause that was generally the case. The same drivers were also the jackA$$es  who thought it was fun to mud bog down the trail in spring, guess who got to clean it up for the logging truck? The ruts created by the 4WD crowd were part of the cost of doing business, it sucks when people are ignorant and you need to pay to fix their mess.

It wasn't the truck that made the difference, it was the driver. I've always held a grudge against the 4WD crowd, precisely because it took money out of my pocket cleaning up their mess. If you need 4WD on a mud road what kind of shape are you leaving it in for the next driver? If its needed for off roading through snow roads do you expect others to save you when you get stuck? Every vehicle gets stuck if it hangs up in snow,  I had to shovel a semi truck out once and that's a lot of tires.

Usually the situations they describe as requiring 4WD end up passing costs onto others; we rescued several people from being left in the forest in -20 weather and spent considerable money and time after they had a fun afternoon.

RyanAtTanagra

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Re: Overheard at Work
« Reply #16249 on: December 22, 2016, 10:39:06 AM »
Does 2WD mean RWD like a Miata or FWD like a SAAB?

Not going to speak for everyone, but I don't think anyone would the benefits of RWD in snow.  When I hear 2WD I assume FWD.