Author Topic: Overheard at Work  (Read 6408147 times)

Gin1984

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Re: Overheard at Work
« Reply #17150 on: March 17, 2017, 11:10:54 AM »
I've tried lobster a couple of times and just don't get it. To me it was like crab-meets-rubber-eraser. If others enjoy it though, more power to them.
It depends on how it is cooked.  Often people just throw the lobster in boiling water and done vs, give them some white wine, plus warm water, increase the temp and then cook it over time.

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Re: Overheard at Work
« Reply #17151 on: March 17, 2017, 01:22:03 PM »
All this talk about lobster reminds me of a law we have on the books. The prisons aren't allowed to feed inmates lobster more than three times a week. Until very recent decades, lobster was considered poor man's food. Lobsters are bottom feeders but great marketing has ensured that maritime lobsters are a high-demand luxury food.

Marketing and butter. Lots and lots of butter. Ask a lobster fan to eat one without butter and see what happens.

I would take you up on that in a split second.  I once ate a lobster in the airport using only its own claws as a tool (no butter, no cutlery).  I love the taste so much, but it's not a cheap treat.

This is just one person's opinion but I gotta side with carless on this one.  I thoroughly enjoy lobster without butter or anything else.

TomTX

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Re: Overheard at Work
« Reply #17152 on: March 17, 2017, 02:00:27 PM »
All this talk about lobster reminds me of a law we have on the books. The prisons aren't allowed to feed inmates lobster more than three times a week. Until very recent decades, lobster was considered poor man's food. Lobsters are bottom feeders but great marketing has ensured that maritime lobsters are a high-demand luxury food.

Marketing and butter. Lots and lots of butter. Ask a lobster fan to eat one without butter and see what happens.

Sure. Want to buy me one if I make it to Boston sometime?
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Kaydedid

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Re: Overheard at Work
« Reply #17153 on: March 17, 2017, 05:35:55 PM »
That system is called a sou-sou (https://en.wikipedia.org/wiki/Sou-sou). It makes sense if you're in an area without banking, or have limited control over your finances, but I'm assuming those things don't apply to you're co-workers.

Interesting! Thank you for sharing that!
This kind of system is common in the Hmung community here.  They also pool money to provide home and real estate loans.  It's a great system when everyone contributes, but a few deadbeats can wreak havoc unless they're kicked out.

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Re: Overheard at Work
« Reply #17154 on: March 20, 2017, 04:53:45 AM »
I've tried lobster a couple of times and just don't get it. To me it was like crab-meets-rubber-eraser. If others enjoy it though, more power to them.
Yeah, I've struggled to make lobster turn out well at home. It seems like the effort to reward ratio is much too high; so many things that are just as tasty but don't require so much work to get right.
Give me one fine day of plain sailing weather and I can mess up anything.

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Re: Overheard at Work
« Reply #17155 on: March 20, 2017, 11:39:16 AM »
Before this gets too foamy, I thought I would share what I did on Saturday. I co-host a dinner group that tries to meet monthly for an international dinner (each month a different country). This month we did France, for it I made beef bourguignon for one of the main courses and my friend made bouillabaisse for the other main entree. Appetizers included escargot, cheese/bread, and caviar. For dessert we had custard, crepes, and a flan-like dish.

The meal was insanely extravagant and delicious, one of the best meals I can recall every having. Because the main host doesn't drink we didn't serve wine or any alcohol. Total cost was about $20 per person, mostly to cover the seafood!

BTDretire

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Re: Overheard at Work
« Reply #17156 on: March 20, 2017, 01:12:12 PM »
DH came home one day and told me his coworkers asked him to join a new group they were creating.

There was going to be 10 members in the group. Each week, every member would contribute $50.
At the end of the week, the group would hold a drawing, and the winner would take home that week's money.
They would continue this for 10 weeks, and each person could win only once.

My husband politely declined to join, and his coworker's rebuttal was "But you're guaranteed to win $500!!"

Sadly, DH has no further knowledge on how this turned out.

lol, while not the most unmustachian thing in this thread, since everyone is going to break even, that's definitely the most pointless.

Unless somebody drops out once they win...
The first, second and third winners are going to continue to pay for 9, 8 and 7 more weeks when they have zero chance to win! They don't know people!
 Let us know if it falls apart.
 Hey, I know, keep each weeks winnings until the end of the 10 weeks before distribution.
Then give each person $500! :-)
A community that does this as a financing tool may do better, but not as an office pool.

marielle

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Re: Overheard at Work
« Reply #17157 on: March 20, 2017, 04:36:37 PM »
I have more information about a coworker I mentioned before.

He's 20-21, he bought a used truck and at the end of the loan is going to pay $33k for it. Not sure how much the payments are. He had absolutely no credit going in.

The interest rate is 8.5%. I shit you not.

He also had to get a loan for the tires which are $360 a piece.

He has another, older truck that he cranks and drives around the yard occasionally to keep it running.

I haven't mentioned the best part. He makes $12 an hour.

LennStar

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Re: Overheard at Work
« Reply #17158 on: March 21, 2017, 07:15:54 AM »
I have more information about a coworker I mentioned before.

He's 20-21, he bought a used truck and at the end of the loan is going to pay $33k for it. Not sure how much the payments are. He had absolutely no credit going in.

The interest rate is 8.5%. I shit you not.

He also had to get a loan for the tires which are $360 a piece.

He has another, older truck that he cranks and drives around the yard occasionally to keep it running.

I haven't mentioned the best part. He makes $12 an hour.
Meh, thats only a bit over a month of work for the interest, and the old is not one you want to be seen at work driving around with it, right? So not a bad decision at all!

gReed Smith

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Re: Overheard at Work
« Reply #17159 on: March 21, 2017, 10:09:19 AM »
If I had a nickel for every hillbilly I saw driving around my Appalachian hometown in a truck that was worth as much as their trailer...  But I won't lie, I would really love to have a new shiny F-150.  I just know I can't afford it.

Just Joe

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Re: Overheard at Work
« Reply #17160 on: March 22, 2017, 05:26:20 PM »
Look at the tires. How many are rolling around in fancy trucks with bald tires? I've seen a few with REALLY bald tires.

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Re: Overheard at Work
« Reply #17161 on: March 23, 2017, 02:01:38 AM »
A loan for tyres?!? A loan for TYRES?!? A LOAN for tyres?!? For a new (to you) truck when you already have a truck.

I have not heard of this thing and I don't think I want to understand it better.

Freckles080808

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Re: Overheard at Work
« Reply #17162 on: March 23, 2017, 04:07:22 AM »
So this wasn't strictly overheard at work, but in a discussion with a former colleague.

"So we were looking at our monthly costs, and realized we were paying all this money for gym memberships that we never really used.  And we wanted to spend money in line with our priorities.  So we decided to rent space in a wine cellar."

This made me chuckle :-)

force majeure

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Re: Overheard at Work
« Reply #17163 on: March 23, 2017, 05:06:21 AM »

"I don't know where the money is going, I have 3 days until pay-day, I am coasting along on gas fumes"

This guy sits near me at work, manages to spend about $20 / day on snacks and soft drinks. The vending machine was created with him in mind.

I fell like doing the sums for him and giving it to him between the eyes...

Listen pal, $20 per day is $4520 each year you are throwing away, out of your nett income.
Over 10 years that's $45200 wasted on junk food.
p.s. I get this from friends a lot…

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marty998

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Re: Overheard at Work
« Reply #17164 on: March 23, 2017, 06:06:53 AM »
A loan for tyres?!? A loan for TYRES?!? A LOAN for tyres?!? For a new (to you) truck when you already have a truck.

I have not heard of this thing and I don't think I want to understand it better.

Won't be long until the Banks securitise these loans and sell them off as AAA rated to your pension funds.

marielle

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Re: Overheard at Work
« Reply #17165 on: March 23, 2017, 06:24:18 AM »

"I don't know where the money is going, I have 3 days until pay-day, I am coasting along on gas fumes"

This guy sits near me at work, manages to spend about $20 / day on snacks and soft drinks. The vending machine was created with him in mind.

I fell like doing the sums for him and giving it to him between the eyes...

Listen pal, $20 per day is $4520 each year you are throwing away, out of your nett income.
Over 10 years that's $45200 wasted on junk food.

What? How? That's like 10-15 snacks or sodas a day, at least. There's no way. Is he 500 lbs? Does he not eat a real lunch or breakfast and subsist off the snacks?

craiglepaige

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Re: Overheard at Work
« Reply #17166 on: March 23, 2017, 08:05:41 AM »

"I don't know where the money is going, I have 3 days until pay-day, I am coasting along on gas fumes"

This guy sits near me at work, manages to spend about $20 / day on snacks and soft drinks. The vending machine was created with him in mind.

I fell like doing the sums for him and giving it to him between the eyes...

Listen pal, $20 per day is $4520 each year you are throwing away, out of your nett income.
Over 10 years that's $45200 wasted on junk food.

What? How? That's like 10-15 snacks or sodas a day, at least. There's no way. Is he 500 lbs? Does he not eat a real lunch or breakfast and subsist off the snacks?

Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.

They remind me of the little guinea pigs in the movie "Zootopia" where the crooked Fox knows exactly that they will buy his popsicles at exactly the same time, everyday 'till eternity.
« Last Edit: March 23, 2017, 08:12:10 AM by craiglepaige »
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BlueHouse

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Re: Overheard at Work
« Reply #17167 on: March 23, 2017, 11:03:35 AM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?
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Re: Overheard at Work
« Reply #17168 on: March 23, 2017, 11:06:42 AM »
A loan for tyres?!? A loan for TYRES?!? A LOAN for tyres?!? For a new (to you) truck when you already have a truck.

I have not heard of this thing and I don't think I want to understand it better.

Over on this side of the Atlantic, it gets even better (or worse, I suppose).  We have rental wheels and rental tires.

http://www.rentawheel.com/

« Last Edit: March 23, 2017, 11:08:49 AM by Clean Shaven »

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Re: Overheard at Work
« Reply #17169 on: March 23, 2017, 11:08:27 AM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

I've tried a couple. To my taste buds, those drinks taste like what would happen if the Jolly Green Giant was out partying one night, showed up to work the next morning still messed up, crashed the tractor, and had to provide a urine sample.
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mtn

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Re: Overheard at Work
« Reply #17170 on: March 23, 2017, 11:21:01 AM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

I've tried a couple. To my taste buds, those drinks taste like what would happen if the Jolly Green Giant was out partying one night, showed up to work the next morning still messed up, crashed the tractor, and had to provide a urine sample.

They're nasty for sure, but I keep one or two on hand at the office and at home. Why? Migraines. If you feel a migraine coming on, chug one or two of them. Migraine gone. Doesn't work with coffee, coke, mt. dew, or other energy drinks (Monster, etc.), only RedBull.

YMMV, this could be a complete placebo. It works for me though.

MrMoogle

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Re: Overheard at Work
« Reply #17171 on: March 23, 2017, 11:40:25 AM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

I've tried a couple. To my taste buds, those drinks taste like what would happen if the Jolly Green Giant was out partying one night, showed up to work the next morning still messed up, crashed the tractor, and had to provide a urine sample.

They're nasty for sure, but I keep one or two on hand at the office and at home. Why? Migraines. If you feel a migraine coming on, chug one or two of them. Migraine gone. Doesn't work with coffee, coke, mt. dew, or other energy drinks (Monster, etc.), only RedBull.

YMMV, this could be a complete placebo. It works for me though.
I don't get generic headaches much, but when I do, caffeine always helps me.  It's the rare time when I'll go look for a soda.

Chris22

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Re: Overheard at Work
« Reply #17172 on: March 23, 2017, 11:54:24 AM »
I believe I've only had Redbull when it has had vodka in it (back in my college partying days).  To the point where if I smell redbull say, at the office, I immediately wonder why someone is drinking at work, until I remind myself people can drink it straight. 
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MgoSam

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Re: Overheard at Work
« Reply #17173 on: March 23, 2017, 12:04:37 PM »
I think energy drinks have a good thing going for them, they cost a ton and it seems like everyone but us drinks them like they're water. I don't get it, there's rarely a time when I have to be that alert. I know people at my gym that will use it to get a better workout and I always just want to look at them and tell them, "You do realize that once you start using it, you won't be able to stop, because this will become your default state?"

Just Joe

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Re: Overheard at Work
« Reply #17174 on: March 23, 2017, 12:15:40 PM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

They taste like I imagine shampoo tastes! And shampoo is cheaper at the Dollar store.
« Last Edit: March 23, 2017, 12:18:56 PM by Tasty Pinecones »

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Re: Overheard at Work
« Reply #17175 on: March 23, 2017, 12:20:09 PM »
I believe I've only had Redbull when it has had vodka in it (back in my college partying days).  To the point where if I smell redbull say, at the office, I immediately wonder why someone is drinking at work, until I remind myself people can drink it straight.
You too eh?
I was introduced to RedBull at the same time as Vodka in grad school. Now I love me some top-shelf Vodka in martinis but hate RedBull.
But I like the company's sponsorship of soccer teams, F1, and extreme sports.
Somehow I like me a little bit of Monster Energy, maybe a quarter can. Dunno why though.
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Re: Overheard at Work
« Reply #17176 on: March 23, 2017, 01:44:53 PM »
I was introduced to RedBull at the same time as Vodka in grad school. Now I love me some top-shelf Vodka in martinis but hate RedBull.
But I like the company's sponsorship of soccer teams, F1, and extreme sports.

I'm in the same boat -- I can't stand Red Bull, but I'm happy to watch events like the Red Bull Rampage.

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Re: Overheard at Work
« Reply #17177 on: March 23, 2017, 01:54:44 PM »
I was introduced to RedBull at the same time as Vodka in grad school. Now I love me some top-shelf Vodka in martinis but hate RedBull.
But I like the company's sponsorship of soccer teams, F1, and extreme sports.

I'm in the same boat -- I can't stand Red Bull, but I'm happy to watch events like the Red Bull Rampage.

Or stratosphere. That actually made me pucker a bit. I loved it!!
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Re: Overheard at Work
« Reply #17178 on: March 23, 2017, 04:45:07 PM »
One of the firefighters at the station drinks a minimum of 4 energy drinks a day.  He brings like 6 cans with him each shift.  I am not sure of the exact brand he drinks, I never pay that much attention because I never drink them.  But, we're probably talking $2 a can.  So, $12 a shift.  That's about $1,465 a year, assuming he only drinks them while at work (unlikely).

I can't judge the addiction to caffeine.  I drink around a pot of brewed coffee each day.  But, the cost is killer.


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Re: Overheard at Work
« Reply #17179 on: March 23, 2017, 06:12:22 PM »
I was introduced to RedBull at the same time as Vodka in grad school. Now I love me some top-shelf Vodka in martinis but hate RedBull.
But I like the company's sponsorship of soccer teams, F1, and extreme sports.

I'm in the same boat -- I can't stand Red Bull, but I'm happy to watch events like the Red Bull Rampage.


 Me, I love the taste of Redbull, or I did for the original formula – maybe it's changed in the last five years or so. I haven't had one in about that time, and in the years preceding I had a total of maybe four of them, but to me they taste like liquid sweet tarts.  But I don't buy them and I drink them, because that shit's expensive, high sugar, and dangerous.

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Re: Overheard at Work
« Reply #17180 on: March 24, 2017, 03:24:09 AM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?
It's intentionally that expensive, to aim at the "it's expensive so it must be good" crowd, same as probiotic yoghurts and that stuff.

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Re: Overheard at Work
« Reply #17181 on: March 24, 2017, 09:47:15 AM »
A loan for tyres?!? A loan for TYRES?!? A LOAN for tyres?!? For a new (to you) truck when you already have a truck.

I have not heard of this thing and I don't think I want to understand it better.

Over on this side of the Atlantic, it gets even better (or worse, I suppose).  We have rental wheels and rental tires.
...

I am so confused. How can you think you can afford a car if you have to rent the wheels? Is it common to buy a vehicle with no wheels? Or to think that you should upgrade safe and legal wheels with rented shiny wheels? Do you rent the wheels to go with a rental car? Rental cars still come with the wheels don't they?

Why is this a service and why are people paying for it?

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Re: Overheard at Work
« Reply #17182 on: March 24, 2017, 09:49:58 AM »
A loan for tyres?!? A loan for TYRES?!? A LOAN for tyres?!? For a new (to you) truck when you already have a truck.

I have not heard of this thing and I don't think I want to understand it better.

Over on this side of the Atlantic, it gets even better (or worse, I suppose).  We have rental wheels and rental tires.
...

I am so confused. How can you think you can afford a car if you have to rent the wheels? Is it common to buy a vehicle with no wheels? Or to think that you should upgrade safe and legal wheels with rented shiny wheels? Do you rent the wheels to go with a rental car? Rental cars still come with the wheels don't they?

Why is this a service and why are people paying for it?

Seasonal tires for people with nowhere to store them?
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Re: Overheard at Work
« Reply #17183 on: March 24, 2017, 09:58:24 AM »
I am so confused. How can you think you can afford a car if you have to rent the wheels? Is it common to buy a vehicle with no wheels? Or to think that you should upgrade safe and legal wheels with rented shiny wheels? Do you rent the wheels to go with a rental car? Rental cars still come with the wheels don't they?

Why is this a service and why are people paying for it?

I'd venture a guess that it's kind of like renting a TV from Rent A Center. If you don't have the cash flow to buy big, flashy 20" wheels and be "rollin' on dubs" than you can just rent the "dubs", problem solved.
« Last Edit: March 24, 2017, 10:00:34 AM by cheapass »
Every single decision you make with money either shortens or lengthens your working career.

Clean Shaven

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Re: Overheard at Work
« Reply #17184 on: March 24, 2017, 11:31:38 AM »



I am so confused. How can you think you can afford a car if you have to rent the wheels? Is it common to buy a vehicle with no wheels? Or to think that you should upgrade safe and legal wheels with rented shiny wheels? Do you rent the wheels to go with a rental car? Rental cars still come with the wheels don't they?

Why is this a service and why are people paying for it?

Cars come with wheels and tires here in the US. But they don't come with gigantic 24" shiny wheels and silly rubber band tires wrapped around them.

There's a market for these things, apparently. And there are predatory marketers and lenders willing to take advantage of it.

frugalnacho

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Re: Overheard at Work
« Reply #17185 on: March 24, 2017, 01:33:18 PM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

Go find a stray dog with a dirty butthole.  Lick said butthole.  Give $4 to the dog for the privileged of licking its butthole.  Repeat ad nauseum.  Spend additional money on clothing with advertisements for the dog's butthole.

That is essentially red bull. 

craiglepaige

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Re: Overheard at Work
« Reply #17186 on: March 24, 2017, 08:40:19 PM »
Completely doable.
The large RedBull drinks(20oz?) cost about $4 each around me. The vending machine at work has them at $3.50 so all the young guys think it's a deal. That, plus $1 bags of chips and candy bars.

At first, the machine only had two rows of RedBulls, now it's up to 6 rows of them.  These guys drink those like water, 3-4 a day, plus a bag of chips during the morning and usually a snack bar during the afternoon. That's besides getting coffee in the mornings and then lunch, usually Chipotle.  I bet they waste easily $25 a day on RedBull, chips and Chipotle.
I had no idea those silly drinks cost that much.  I've never had one.  I always thought they were just water with caffeine.  Are they more like soda?

Go find a stray dog with a dirty butthole.  Lick said butthole.  Give $4 to the dog for the privileged of licking its butthole.  Repeat ad nauseum.  Spend additional money on clothing with advertisements for the dog's butthole.

That is essentially red bull.

-The conqueror will always become a slave to his conquest.

- Eres Un Esclavo Financiero
https://youtu.be/GO1Fsp4cUTQ

Kimera757

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Re: Overheard at Work
« Reply #17187 on: March 25, 2017, 08:19:33 AM »
Warning: picayune alert. This happened almost ten years ago, and I spent a bit of time reconstructing the memory. I had a co-worker in my low-paying job. She had it worse than me (always having to miss work due to illness, and there were no paid sick days).

She signed up for direct deposit (like me, she'd started with biweekly cheques), but accidentally gave payroll the information for the wrong bank account. She owned up to that part, but seemed furious about the situation she'd ended up in. Not because cheques were bouncing, or missing pre-authorized withdrawals, or anything like that.

She was ticked because the "wrong" bank account never had more than $4 in it before. It usually was at $0, but she would transfer $4 into it by the end of the month to pay for the bank charge. She was spending $4 per month on a bank account she wasn't using. She didn't say how much her regular bank account cost per month. It's only $4, but that's $4 you just don't need to waste. I don't get some people.

LivlongnProsper

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Re: Overheard at Work
« Reply #17188 on: March 27, 2017, 11:12:33 AM »
Several stories have been published recently about the high percentage of people that couldn't come up with $500 or $1000 in an emergency. A coworker's story made me think she is one of those people. She wanted to attend a concert with her daughter and tried to get tickets through an online outlet that she normally used. She ended up using a reseller site which kept giving her error messages when she tried to buy tickets. Turns out the site was putting a hold on her card each time she attempted the purchase which amounted to about $2100. She recalled her absolute panic stating she would not have been able to afford her mortgage or food for her kids without that money. After several hours on the phone with her bank and the reseller she got everything straightened out. It is sad to me that $1800 ($2100 minus the $300 she intended to spend) would completely disrupt her financial life. I know she makes decent money for the area but I also know she spends it just as fast.
Actions speak louder than words.

NorthernDreamer

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Re: Overheard at Work
« Reply #17189 on: March 27, 2017, 11:57:32 AM »
Our finance person at work told me that she doesn't invest in RRSPs any more since "they don't return much". To be fair, we do have a workplace pension, but the way she was speaking was like there is only ONE way to invest in RRSPs - maybe she was thinking GICs? Ummm, what? I had no idea what to say. I do know she seems to live paycheck to paycheck, so I don't think that is her reason for not investing....

And the other day my mom told me that TFSAs are "not worth it" since you barely get any returns. My jaw hit the floor. I had no idea my mom is so uneducated in these matters. I tried to explain that TFSAs do not have to be just a "high" (1%) interest savings accounts, that we invest in index funds in ours, etc. Her eyes glazed over and I could tell she doesn't care. She'll have a pension but has told me she will "need" to work until 65 or 67. She's 61 now. It makes me sad.

Giro

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Re: Overheard at Work
« Reply #17190 on: March 27, 2017, 02:29:52 PM »
This might come with a bit of backlash.  My coworker is a 65 year old divorced woman.  She has VERY little in an IRA from on old job.  I'm talking a few thousand bucks.  She currently "cannot afford to contribute" to her company's 401K at all.  She is trying to get her expenses down so that she can retire "within the next few years" and live on Social Security.  She will have her mortgage until she dies.  She just bought the house a few years ago and leased a new car last year. 

Her 12 year old, 20+ pound overweight Labrador fell hill and needed hip surgery.  She took a second mortgage against her home to pay for the surgery.  It was over $4k.  She talked to me for hours about this surgery before scheduling it and I tried to be supportive but I had to be a friend too.  I told her to think long and hard about this and ask herself if she could truly afford it.  She got mad and told me that I was a cruel person and didn't love animals or "probably anyone but myself".  She no longer speaks to me like she used to. 

We kill millions of dogs in this country every year - healthy dogs, young dogs, Labrador dogs.  I'm sure she loves her dog.  But, there's a point where you need to ask yourself tough questions.  She could have rescued a healthy, young Labrador and put her old dog down.  The 12 year old with the new hip is going to have continuing expenses regarding his health care that she cannot afford. 

In her situation, this makes ZERO sense. 

mtn

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Re: Overheard at Work
« Reply #17191 on: March 27, 2017, 03:34:42 PM »
This might come with a bit of backlash.  My coworker is a 65 year old divorced woman.  She has VERY little in an IRA from on old job.  I'm talking a few thousand bucks.  She currently "cannot afford to contribute" to her company's 401K at all.  She is trying to get her expenses down so that she can retire "within the next few years" and live on Social Security.  She will have her mortgage until she dies.  She just bought the house a few years ago and leased a new car last year. 

Her 12 year old, 20+ pound overweight Labrador fell hill and needed hip surgery.  She took a second mortgage against her home to pay for the surgery.  It was over $4k.  She talked to me for hours about this surgery before scheduling it and I tried to be supportive but I had to be a friend too.  I told her to think long and hard about this and ask herself if she could truly afford it.  She got mad and told me that I was a cruel person and didn't love animals or "probably anyone but myself".  She no longer speaks to me like she used to. 

We kill millions of dogs in this country every year - healthy dogs, young dogs, Labrador dogs.  I'm sure she loves her dog.  But, there's a point where you need to ask yourself tough questions.  She could have rescued a healthy, young Labrador and put her old dog down.  The 12 year old with the new hip is going to have continuing expenses regarding his health care that she cannot afford. 

In her situation, this makes ZERO sense.

Unfortunately, it isn't her situation that is the sad part here--it is the labs. The poor animal should have been put down, and I say this as someone who doesn't cry at funerals but has taken days off of work when my pets have passed.

cakie

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Re: Overheard at Work
« Reply #17192 on: March 27, 2017, 05:08:34 PM »
I had been wondering how people live paycheck to paycheck in my lcol town - luckily a coworker enlightened me the other day. Total numbers calculated by the engineers in this convo from her descriptions...

She smokes about 2 packs a week at $50 a pop ($1/cig). Plus her partner smokes even more. Total: $800/month

Every 2 weeks they have (a couple?) nights at the pub, drinks + betting = $1000

That’s about $3000 a month total



I think I was in shock for the rest of the day....

RyanAtTanagra

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Re: Overheard at Work
« Reply #17193 on: March 27, 2017, 06:02:42 PM »
She smokes about 2 packs a week at $50 a pop ($1/cig). Plus her partner smokes even more. Total: $800/month

Cigarettes come in packs of 50 and are $50 there?  Not sure which of those numbers is weirder..

craiglepaige

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Re: Overheard at Work
« Reply #17194 on: March 27, 2017, 06:22:07 PM »
One of the younger guys(22yo - I think) told me today that for the past four months, since his girlfriend got a new job farther from their apartment, they have not made one meal at home, other than a breakfast here or there on weekends. So at least, Monday through Friday they eat 2-3 meals out - each.

He said they decided yesterday to change that and he prepped food for the whole workweek. I'm glad about that but how the heck do you go four months without cooking more than a quick breakfast?
-The conqueror will always become a slave to his conquest.

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https://youtu.be/GO1Fsp4cUTQ

marielle

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Re: Overheard at Work
« Reply #17195 on: March 27, 2017, 06:59:39 PM »
One of the younger guys(22yo - I think) told me today that for the past four months, since his girlfriend got a new job farther from their apartment, they have not made one meal at home, other than a breakfast here or there on weekends. So at least, Monday through Friday they eat 2-3 meals out - each.

He said they decided yesterday to change that and he prepped food for the whole workweek. I'm glad about that but how the heck do you go four months without cooking more than a quick breakfast?

Most Americans do this regularly. It might not be all restaurant food but also frozen meals that just need microwaving. Its easy to forget that there's people that don't cook, but it's actually the norm. That's why kitchens and pantries are so tiny unless you buy a 2000+ sqft house. :/ At least that's my theory anyway, since the kitchen should be the most important part of a house but isn't anymore.

briesas

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Re: Overheard at Work
« Reply #17196 on: March 27, 2017, 07:36:29 PM »
She smokes about 2 packs a week at $50 a pop ($1/cig). Plus her partner smokes even more. Total: $800/month

Cigarettes come in packs of 50 and are $50 there?  Not sure which of those numbers is weirder..

OMG, I looked this up, and yes, there is a $40+ tax on a pack of cigarettes in Australia. And they are sold in packs of 20-50 with various increments in between.

http://www.dailymail.co.uk/news/article-3572446/Budget-2016-cigarettes-40-packets-make-Australia-world-s-expensive.html

https://en.wikipedia.org/wiki/Cigarette_pack (source for packs of 50)

I have to come out here as a smoker, which is totally un-mustachian, as it is pretty clearly destroying my health (and even though I equate smoking with pleasure, it's not really the pursuit of happiness). But, I roll my own and use pipe tobacco, which is the same as cigarette tobacco, just cut differently, as I understand it -- and it is not taxed at the rate cigarettes are in the U.S.  It costs me $1 per pack!

« Last Edit: March 27, 2017, 07:40:20 PM by briesas »

nnls

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Re: Overheard at Work
« Reply #17197 on: March 27, 2017, 11:04:12 PM »
She smokes about 2 packs a week at $50 a pop ($1/cig). Plus her partner smokes even more. Total: $800/month

Cigarettes come in packs of 50 and are $50 there?  Not sure which of those numbers is weirder..

OMG, I looked this up, and yes, there is a $40+ tax on a pack of cigarettes in Australia. And they are sold in packs of 20-50 with various increments in between.

http://www.dailymail.co.uk/news/article-3572446/Budget-2016-cigarettes-40-packets-make-Australia-world-s-expensive.html

https://en.wikipedia.org/wiki/Cigarette_pack (source for packs of 50)

I have to come out here as a smoker, which is totally un-mustachian, as it is pretty clearly destroying my health (and even though I equate smoking with pleasure, it's not really the pursuit of happiness). But, I roll my own and use pipe tobacco, which is the same as cigarette tobacco, just cut differently, as I understand it -- and it is not taxed at the rate cigarettes are in the U.S.  It costs me $1 per pack!

yes here in Australia, cigarettes here are about $1 each. And the price goes up every year, but people continue to smoke even though its crazy expensive and bad for you. I do not understand it.

Even tobacco that you roll yourself is expensive

mtn

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Re: Overheard at Work
« Reply #17198 on: March 28, 2017, 07:36:47 AM »
She smokes about 2 packs a week at $50 a pop ($1/cig). Plus her partner smokes even more. Total: $800/month

Cigarettes come in packs of 50 and are $50 there?  Not sure which of those numbers is weirder..

OMG, I looked this up, and yes, there is a $40+ tax on a pack of cigarettes in Australia. And they are sold in packs of 20-50 with various increments in between.

http://www.dailymail.co.uk/news/article-3572446/Budget-2016-cigarettes-40-packets-make-Australia-world-s-expensive.html

https://en.wikipedia.org/wiki/Cigarette_pack (source for packs of 50)

I have to come out here as a smoker, which is totally un-mustachian, as it is pretty clearly destroying my health (and even though I equate smoking with pleasure, it's not really the pursuit of happiness). But, I roll my own and use pipe tobacco, which is the same as cigarette tobacco, just cut differently, as I understand it -- and it is not taxed at the rate cigarettes are in the U.S.  It costs me $1 per pack!

yes here in Australia, cigarettes here are about $1 each. And the price goes up every year, but people continue to smoke even though its crazy expensive and bad for you. I do not understand it.

Even tobacco that you roll yourself is expensive

Then you do not understand addiction.

talltexan

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Re: Overheard at Work
« Reply #17199 on: March 28, 2017, 01:21:50 PM »
My co-worker had a plan all set to sell her house and buy a new house, with closings on the same day.

Of course, a problem is developing with the buyer's financing. She's rescheduling:

1. closing to sell,
2. closing to buy,
3. delivery of furniture,
4. work she's doing to swap out fixtures in her own house immediately before #1...

I understand that there's a delicate balance to these real estate transactions, but the further I get down this list, the more the problem seems self-created to me.