Author Topic: Overheard at Work  (Read 6026593 times)

ketchup

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Re: Overheard at Work
« Reply #2200 on: March 22, 2014, 10:27:47 AM »
My roommate's uncle got pretty screwed by some supplement MLM douchebaggery.  And my cousin was trying to sell Cutco knives for a bit years ago, but I think that one just fizzled.

They're slimy at best, unethical at worst.

Twenty4Me

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Re: Overheard at Work
« Reply #2201 on: March 22, 2014, 12:03:30 PM »
Thanks for the welcome, Cheddar. Don't be concerned, I don't consider this discussion reason enough to let it affect my continued visits to the forum :)

Granted, the standard procedure for many MLM companies is to approach family and friends, but only because it's less daunting to speak to someone you know than cold calling. For me personally, I don't give a sales pitch to family and friends. Yes, I've told them about results that I've had on a product, and sometimes I give a free product to them to use for a specific need/challenge/situation that they may have mentioned before that they had. If they buy again after that product is finished, great! If not, then I don't push it. They may not want to buy it, but somewhere along the way they may meet someone who might be interested and they could refer that person to me. I do know, however, that not everyone is like that, and so I do understand the misgivings and "hostility" towards other distributors who do follow the "hard sell" way. (hard sell... not an accurate way to say it, but many would consider it to be that)

I'd be interested to know which vacumn cleaner it was that your parents were trying to sell. I ask only because I know of only 1 cleaner that was as expensive as that which an ex-boyfriend of mine had purchased. I thoroughly enjoyed using it. Would I ever buy it myself? *shrugs* It was a dream to work with when it was readily available to me and had a lifetime gaurantee on it, so I might consider it, but I'd definitely wouldn't buy one without a heck of a lot of consideration, and then after all that consideration, I probably still wouldn't buy it, even though I still think fondly of it now 15 years later, haha.

As for why these products aren't being put into a store instead of being sold this way? I can't speak for the other companies, but I know that with Herbalife it's all about the customer service. I want my customers to use the products correctly. I want them to know that when they're feeling like trash after the first couple of days that it's not a reason for them to stop using the product, but rather to push through just a few more days so that after that yucky detox period they will start to really feel the benefits of the product. I want to celebrate their successes with them, or help them to tweek the way that they using it so that they can find what works best for them.

Also, when Herbalife was started back in '81, all money that was made from this product (which wasn't earned by the distributors themselves) was used in research and quality improvements of the products. The founder didn't want to "waste" money on marketing and advertising which would have been necessary if they had placed the product in a store. I believe that these two reasons were the main reasons for Mark Hughes to choose this business model. At least, this is my understanding of it. It's only been recently, with our new CEO, that head office has started to do marketing, sponsoring of sports teams/events, and such like.

I apologise on behalf of MLM's to those of you who haven't had good past experiences with this business model before. Just please know that not every distributor out there is looking to force these products onto every single person they know/meet, even if we are passionate about the products we sell :) For some of us, it's not about the $$, but more about personal results, and I hope that if you do know someone who's interested in MLM, that you'll explain to them that they don't have to go "all in" just because their sponsor says that they should. Encourage them to take it slow and let the business grow naturally instead of trying to kick it off with a big bang.

Twenty4Me

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Re: Overheard at Work
« Reply #2202 on: March 22, 2014, 02:01:12 PM »
For me personally, I don't give a sales pitch to family and friends like what's been mentioned so far in this thread.

There, I've fixed it. My apologies, serpentstooth, for not being specific enough.

AlanStache

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Re: Overheard at Work
« Reply #2203 on: March 22, 2014, 04:01:22 PM »
Can we please stop feeding the trolls now?

Guy I work with has been a mac fan for a long time, and decided he wanted to see what else is out there besides the iphone and how is stacked up (GREAT-I love open mindedness!!!).  He dropped 350$ on a new unlocked droid and kept his latest iphone.  Not sure what cell plain he has on them but fairly sure it is not 20$/mon.  And I think he has kept the droid long enough for it to have lost a good chunk of resale value.  Hell maybe in a few months he will sell them both and get a high end droid.
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ThermionicScott

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Re: Overheard at Work
« Reply #2204 on: March 22, 2014, 06:21:16 PM »
Do you have an example of a male one?  I'm not trying to be a jerk - I just have never seen one, and I'm a man.  My ex-wife got invited to those parties all the time, but I never got an invite to a single party where my male friends tried to sell me something.  I have a hard time picturing it ever happening, to be honest.  I mean, how would the invite even go?  "Come on guys, let's sit around and drink wine while Bob demonstrates his company's new silver-plated power tools."

A (male) friend invited me to a Quixtar/Amway presentation about 5-6 years ago.  I went, but decided very early into it that I didn't want to supplement my income with "residuals" from roping other friends and family into the thing.  Lacking any shame, I snarfed one of the XS energy drinks afterward.

Sorry for continuing the tangent, back to "overheard at work"!  ;^)

fixer-upper

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Re: Overheard at Work
« Reply #2205 on: March 22, 2014, 07:09:00 PM »
What this tells me about corporate America... it's seen as a punishment to be given days off. I'm thinking I understand why suspending kids from schools doesn't work. They don't want to be there in the first place. You're not hurting them in any way, shape, or form.

I got caught skipping school, and my punishment was a day's suspension. 

johnintaiwan

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Re: Overheard at Work
« Reply #2206 on: March 23, 2014, 06:15:24 AM »
sorry, but the MLM stuff is interesting. In Taiwan it is really popular. A lot of my wife's acquaintances are into it. If she meets someone who is interesting in buying she gives out their card and gets a commission from them. My wife is not involved at all with the companies (is not a vender, has never bought any product) but I think she is the only one making money on the whole thing.

Twenty4Me

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Re: Overheard at Work
« Reply #2207 on: March 23, 2014, 10:48:01 AM »
sorry, but the MLM stuff is interesting. In Taiwan it is really popular. A lot of my wife's acquaintances are into it. If she meets someone who is interesting in buying she gives out their card and gets a commission from them. My wife is not involved at all with the companies (is not a vender, has never bought any product) but I think she is the only one making money on the whole thing.
That's cool, John. How did she set up this arrangement with those distributors? Here, I've never heard of a cash thank you gift being given for a referral. I think it would actually work better than the usually suggested product thank you gift.

johnintaiwan

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Re: Overheard at Work
« Reply #2208 on: March 23, 2014, 07:50:03 PM »
sorry, but the MLM stuff is interesting. In Taiwan it is really popular. A lot of my wife's acquaintances are into it. If she meets someone who is interesting in buying she gives out their card and gets a commission from them. My wife is not involved at all with the companies (is not a vender, has never bought any product) but I think she is the only one making money on the whole thing.
That's cool, John. How did she set up this arrangement with those distributors? Here, I've never heard of a cash thank you gift being given for a referral. I think it would actually work better than the usually suggested product thank you gift.

The business culture here is all about nepotism and who you know. So people are always working as business matchmakers, getting buyers and sellers connected. She never actively seeks to do this, but if someone mentions they are looking for some kind of supplement or gadget or is shopping around for insurance she will connect them to someone she knows. Its a good way to pick up 10-30 bucks here and there. I guess it is kind of like real life affiliate links.

Twenty4Me

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Re: Overheard at Work
« Reply #2209 on: March 24, 2014, 01:23:18 AM »
I guess it is kind of like real life affiliate links.
Yes, that's exactly what I was thinking as well. That's really great, John. Thanks for sharing :)

EDIT: John, I just did a quick check to see how much that would convert to in my local currency... Can you possibly give me a frame of reference here so that I can see how much it's worth in terms of your cost of living? I'm thinking perhaps the price of a can of coke would be a good indicator.
« Last Edit: March 24, 2014, 01:34:04 AM by Twenty4Me »

johnintaiwan

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Re: Overheard at Work
« Reply #2210 on: March 24, 2014, 07:14:49 AM »
I meant 10-30 USD, but it is about 300-1,000 taiwan dollars. A can of coke costs about 30 dollars here, rent on a 3 story house is about 9,000 a month

Twenty4Me

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Re: Overheard at Work
« Reply #2211 on: March 24, 2014, 08:53:36 AM »
LOL, thanks for clearing that up for me! I thought that TWD 10-30 was a bit on the low side. For a second there I was wondering why do it for that amount as it didn't really seem like it would be worth it really. But, TWD 300-1000 is definitely worth it for her! Nice one!!

Dezrah

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Re: Overheard at Work
« Reply #2212 on: March 24, 2014, 09:41:35 AM »

Gen Y Finance Journey

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Re: Overheard at Work
« Reply #2213 on: March 24, 2014, 09:58:38 AM »
## Another tactic I've noticed of these companies is they tend to prey on the vulnerable nature of a relationship with your church congregation.

I know two people who have tried to lure me into their MLM businesses. Both are extremely involved in their churches. Coincidence? Maybe. But I think you're on to something.

Hunny156

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Re: Overheard at Work
« Reply #2214 on: March 24, 2014, 12:44:38 PM »
## Another tactic I've noticed of these companies is they tend to prey on the vulnerable nature of a relationship with your church congregation.

I know two people who have tried to lure me into their MLM businesses. Both are extremely involved in their churches. Coincidence? Maybe. But I think you're on to something.

Aren't many MLM's headquarted in Mormon country?  I know I read an impressive thread on Fatwallet a few years back about it.  Scary how many shills created accounts on that thread to debunk the basic tenets of MLM.

Since I'm thread-crapping, I'll leave you w/a funny.  Hubby n I were working on an investment property in the wee hours of the night.  Exhausted & hungry, we stopped at a diner before heading back home to crash.  The place was mobbed at 2 AM!  We quickly realized that it was some sort of MLM meeting (lots of clapping as people would go around the very large diner), and guessed Amway.  The booth next to us was a bunch of drunk college kids, and one of them overheard my husband refer to it as Scamway.  That was all he needed.  He kept jumping up, clapping and screaming "SCAMWAY, YAY!!", which really pissed off the attendees.  A minute later, some guy in a suit w/an Amway name tag walked by, in search of a manager to shut up the drunk guy.  He got an overworked waitress, who half-pleaded w/the drunk guy to stop.  He eventually quieted down, but kept muttering Scamway under his breath, and we were beyond tired, so we were crying w/laughter every time we heard it.  As we left, we waved to the drunk guy and told him thanks for the laughs!  That incited another round of "Scamway Yay!" from him, as we rolled out the door, laughing our @sses off.  Real professional, having a meeting at a diner off the highway at 2 AM!

Twenty4Me

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Re: Overheard at Work
« Reply #2215 on: March 24, 2014, 01:59:17 PM »
For those who we wondering who Ackman was, he made this:

http://factsaboutherbalife.com/wp-content/uploads/2013/01/Who-wants-to-be-a-Millionaire.pdf

Now, now, Dezrah. If you're going to link Ackman's work, you may as well link to all of it... http://factsaboutherbalife.com/

There's tons of info there for people to take a look through, lol. I found it myself after the previous comment got me curious. Of course, I have my opinions about the man for the short time now that I've known about his little $1 billion bet :) Anyways, he's not worth anymore of my time than this right here.

Cpa Cat

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Re: Overheard at Work
« Reply #2216 on: March 24, 2014, 03:06:42 PM »
There's a difference between a scam and a bad deal.

For example, 12 years ago, my husband and I had more money than sense, and we got roped into buying this air purifier that doubles as a vacuum cleaner. All I remember is that the guy said, "German Engineering" a lot and my husband was sold. But guess what - in the end we got an air purifier that doubles as a vacuum (actually, twelve years later, it works better and has outlasted the Dyson I bought - so I'm not sure which one was a bigger "scam"). Did we pay too much? Sure. But we didn't get scammed.

I bought a couple of overpriced purses from a Purse-selling party. Did I get scammed? Nope. The purses came in the mail, as ordered, and even withstood a lot of wear. Did I make a bad deal? Sure - I get better purses from Etsy these days.

Heck - I once went to one of those sex toy parties... Best party I've ever been to. Never regretted what I bought.

There's a difference between paying too much for something you don't need and being scammed.

I think, ultimately, being a seller of these products can become alienating for your friends and family. And for the amount of time, work and effort that some people put into selling just so they can get free stuff, they could just get a job and buy the stuff. You can't tell me that my friend got "scammed" into thinking that selling a glorified version of press-on nails was a way to get rich. But I did have to unfriend her on Facebook - because wtf, how many times do I have to decline invitations for that?
« Last Edit: March 24, 2014, 03:38:19 PM by Cpa Cat »

warfreak2

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Re: Overheard at Work
« Reply #2217 on: March 24, 2014, 03:34:02 PM »
I think there's a finer line between pressure-selling and scamming than you're letting on - when you use people's friends to get them to pay more for things than they otherwise would, for example. But mainly it's a scam because it victimises the sales reps - they are sold "starter kits" for hundreds of dollars, and have to pay big commissions to the people further up the chain - based on the lie that they can make a big business and earn a lot of money from recruiting more people further down the chain.
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Cpa Cat

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Re: Overheard at Work
« Reply #2218 on: March 24, 2014, 03:43:36 PM »
I guess we just see it differently. I think you're downplaying a normal person's accountability for making their own bad decisions.

The company "Jamberry" didn't spam me into oblivion on Facebook. My friend did that of her own accord.

Cutco didn't try to pressure me into buying knives - my brother in law did that of his own accord.

People have convinced me to buy a lot of stupid crap in my life - but in the end, I'm the one who decided to buy it. No one is powerless.

warfreak2

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Re: Overheard at Work
« Reply #2219 on: March 24, 2014, 04:01:02 PM »
But if you decided to pay to start a business, because you were lied to about how successful you could be in that business, then it's not just down to your bad decision. A free market doesn't include the freedom to lie to people about what you're selling. When you're selling a "business opportunity" which for 90% of people loses money, but you tell them it's a great way to make money, that's a scam.

I also think selling things at very high markups is often a scam, a price is seen as a representation of quality or value, and that can be a lie too.
« Last Edit: March 24, 2014, 04:03:24 PM by warfreak2 »
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SweetLife

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Re: Overheard at Work
« Reply #2220 on: March 24, 2014, 05:01:20 PM »
Overheard at work ... I only pay $60 for the first set (of upper eyelashes) and then $30 every three weeks after that ... it is about the same as what I was spending on mascara ... this was only really funny to me as 1) I rarely wear makeup (and never to work) and 2) I can't remember the last time I bought mascara  lol... I tallied that up over 10 years and almost spit out my coffee

:p 

Typos will happen, corrections appreciated, or just ignore ;)

Twenty4Me

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Re: Overheard at Work
« Reply #2221 on: March 24, 2014, 05:25:41 PM »
But if you decided to pay to start a business, because you were lied to about how successful you could be in that business, then it's not just down to your bad decision.

Key words: "could be".

With all of the earning testimonials that I've seen both online and in print, there's always been a disclaimer stating that the earnings stated are not indicative of what you yourself will earn, and must also not be taken as an average of potential earnings. I forget now the exact wording, but it's always been clear as far as I've seen.

The times that I've personally given an earnings testimonial, I've always been honest about what I've made. I've got no reason to try and inflate it as my "meager earnings" may just be the exact amount that someone needs extra every month to make ends meet. In fact, I think being honest about smaller earnings is more relatable than when the "big shots" come along with their high figures, and I know that members of my upline specifically avoid talking exact figures for this very reason as well.

Oh, and my immediate sponsor only earns 15% of the retail price of anything that I sell, while I earn 35% of the retail price. It's really not such a huge commission being "chased up the line". The 3 sponsors in my upline above my immediate sponsor can earn up to 5% each provided they have sold enough product themselves to qualify for those commissions, and no, none of them are selling anything to me as I buy directly from the Herbalife warehouse. So, with my sponsor's 15% and the potential 3x5% my upline can earn, I'm still making more than all of them combined with my 35%. If I was more "out there" and generating enough sales, I could even claim my sponsor's 15% for myself simply by selling more each month and working my way up to it.

But anyways :)

Overheard at work ... I only pay $60 for the first set (of upper eyelashes) and then $30 every three weeks after that ... it is about the same as what I was spending on mascara ... this was only really funny to me as 1) I rarely wear makeup (and never to work) and 2) I can't remember the last time I bought mascara  lol... I tallied that up over 10 years and almost spit out my coffee

Ouch! Is she someone who frequently wears them, or will this become a new accessory for her?

SweetLife

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Re: Overheard at Work
« Reply #2222 on: March 24, 2014, 05:49:23 PM »
This is something she does all year long .... and not because she doesn't have eyelashes ... just wants nicer looking ones lol... cracks me up!!!

To each their own ... makes her feel good (and they do look wonderful) .... just not for me trying for FI and ER lol.. ;)
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galliver

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Re: Overheard at Work
« Reply #2223 on: March 24, 2014, 06:02:31 PM »
recent conversation over OCS at work:
co-worker: "I'm taking the family on a 10 day REI vacation to Australia."
me: "REI?  You mean the store?"
co-worker: "Yeah - this'll be our third with them.  It costs a bundle but I don't have to plan a thing."

I googled it: http://www.rei.com/adventures/trips/pacific/australia-ultimate-adventure.html
That 12 day vacay costs $25k for a family of four.

Based on the rest of their business, I would have guessed that a trip with REI might be worthwhile sometime, to push the limits of my backcountry experience (especially if in a foreign country where I don't know the language). But after looking at that site I find myself offended. Not by the prices (you are having an expert plan and organize the trip, after all), but because it seems like 90% of their trips involve staying in hotels. REI, you disappoint me.

Bigote

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Re: Overheard at Work
« Reply #2224 on: March 25, 2014, 04:19:01 AM »
With all of the earning testimonials that I've seen both online and in print, there's always been a disclaimer stating that the earnings stated are not indicative of what you yourself will earn, and must also not be taken as an average of potential earnings.

In pyramid schemes the vast majority don't earn money, they lose money.   Ackman argues pretty convincingly that such is the case with Herbalife.     
« Last Edit: March 25, 2014, 05:32:26 AM by Bigote »

Melody

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Re: Overheard at Work
« Reply #2225 on: March 25, 2014, 08:10:37 AM »
See Australia in 12 days? This is like doing a coast to coast of the US in 12 days - just freaking crazy as it would involve  lot of time on planes and in cars/buses! QLD, NSW and NT in 3 days... your workmates will need a holiday to recover from their holiday! And wow, this is like $1000 a day + airfares! The mind boggles...

greenmimama

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Re: Overheard at Work
« Reply #2226 on: March 25, 2014, 12:11:05 PM »
A conversation I had with my brother, he is responsible but we were talking about his friend, following so far?

I was telling him some of my goals to save for this year. He said that he was trying to talk his friend into saving at least 6% which is what his company would match, but the sad part was his friend couldn't live with that 6% less because he was already spending it every month.

That is so sad to me.

I am trying to encourage my young friends to start some crazy savings now, they won't be sorry they did, but they most certainly will if they don't.



The Bearded Bank Builder

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Re: Overheard at Work
« Reply #2227 on: March 25, 2014, 02:34:28 PM »
My coworker's husband got laid off from his high-salary job and was out of work for maybe a year or so. This apparently cause a ton of financial stress (probably because they are making payments on a house worth $2.2 mil), and caused my coworker to sell her car and buy a very sensible Honda SUV. Now, her husband just found out that he got a new job, and she is going today to the Audi and Lexus dealers so she can, as she puts it, "have a real car again." He literally hasn't gotten worked a day yet and they are already spending the money!!!

skunkfunk

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Re: Overheard at Work
« Reply #2228 on: March 25, 2014, 02:49:57 PM »
My coworker's husband got laid off from his high-salary job and was out of work for maybe a year or so. This apparently cause a ton of financial stress (probably because they are making payments on a house worth $2.2 mil), and caused my coworker to sell her car and buy a very sensible Honda SUV. Now, her husband just found out that he got a new job, and she is going today to the Audi and Lexus dealers so she can, as she puts it, "have a real car again." He literally hasn't gotten worked a day yet and they are already spending the money!!!

Did you face punch?

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Re: Overheard at Work
« Reply #2229 on: March 25, 2014, 04:21:24 PM »
My coworker's husband got laid off from his high-salary job and was out of work for maybe a year or so. This apparently cause a ton of financial stress (probably because they are making payments on a house worth $2.2 mil), and caused my coworker to sell her car and buy a very sensible Honda SUV. Now, her husband just found out that he got a new job, and she is going today to the Audi and Lexus dealers so she can, as she puts it, "have a real car again." He literally hasn't gotten worked a day yet and they are already spending the money!!!

I guess the term "wake up call" never got communicated to these folks.

The Bearded Bank Builder

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Re: Overheard at Work
« Reply #2230 on: March 25, 2014, 05:31:16 PM »
My coworker's husband got laid off from his high-salary job and was out of work for maybe a year or so. This apparently cause a ton of financial stress (probably because they are making payments on a house worth $2.2 mil), and caused my coworker to sell her car and buy a very sensible Honda SUV. Now, her husband just found out that he got a new job, and she is going today to the Audi and Lexus dealers so she can, as she puts it, "have a real car again." He literally hasn't gotten worked a day yet and they are already spending the money!!!

Did you face punch?

As much as I would have liked to, I didn't. She wasn't talking to me, plus she comes from a lot of money in her family so I seriously doubt I am going to change her outlook. Update: She bought the car today, decided to go with the Lexus

Supertaster

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Re: Overheard at Work
« Reply #2231 on: March 25, 2014, 06:46:16 PM »
I have a couple of friends (married) that drive me nuts. They worry and fight about money issues constantly. But every 3 or 4 years they buy new cars. They buy them two at a time because one can't deal with the other getting something better.

When they bought their last pair I rode up with them to get the second car (I was having a pretty lazy Saturday). After getting there and being told they'd have to wait a couple more days until they found one in the right color, we went to Hardee's. They literally complained about Hardee's charging them an extra $0.30 for onion rings without telling them. Ugh.

And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

They wear me out sometimes.

skunkfunk

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Re: Overheard at Work
« Reply #2232 on: March 25, 2014, 07:14:45 PM »
I have a couple of friends (married) that drive me nuts. They worry and fight about money issues constantly. But every 3 or 4 years they buy new cars. They buy them two at a time because one can't deal with the other getting something better.

When they bought their last pair I rode up with them to get the second car (I was having a pretty lazy Saturday). After getting there and being told they'd have to wait a couple more days until they found one in the right color, we went to Hardee's. They literally complained about Hardee's charging them an extra $0.30 for onion rings without telling them. Ugh.

And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

They wear me out sometimes.

I always wonder how people generally in these positions manage to scrounge up a down payment. Do they just live off of a credit card while they bank some cash?

Paul der Krake

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Re: Overheard at Work
« Reply #2233 on: March 25, 2014, 07:31:49 PM »
I have a couple of friends (married) that drive me nuts. They worry and fight about money issues constantly. But every 3 or 4 years they buy new cars. They buy them two at a time because one can't deal with the other getting something better.

When they bought their last pair I rode up with them to get the second car (I was having a pretty lazy Saturday). After getting there and being told they'd have to wait a couple more days until they found one in the right color, we went to Hardee's. They literally complained about Hardee's charging them an extra $0.30 for onion rings without telling them. Ugh.

And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

They wear me out sometimes.

I always wonder how people generally in these positions manage to scrounge up a down payment. Do they just live off of a credit card while they bank some cash?
Most people get a windfall once or twice in their lives, either a small inheritance or some settlement, or a cash gift from an elderly relative trying to minimize the future estate tax.

That, and PMI.

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Re: Overheard at Work
« Reply #2234 on: March 25, 2014, 07:39:21 PM »
I have a coworker who is a treasure chest of good "overheard at work" stories. I'm not even sure how to pick the best story.

One of my favorites is the time she ordered mail-order smoothies. Now, this person has been mostly overweight most of the time I have known her. She had a brief period of about a couple of years where she really kicked-ass and got herself in awesome shape through the help of a personal trainer (some of the stories are related to this) and eating better. Well, she fell off the wagon and gained a lot of weight back.

About a year ago, she decided to take a whole week off to begin a de-toxing process. She read about this company that mails you fresh smoothies every day in just the right combinations to detoxify. OK...the concept of trying to eat healther is great, BUT:

- Why not just take the ideas from the company and make your own smoothies?!?!? Smoothies are one of the easiest things to make...no chopping, cooking, etc. As she was rattling off the different types of green and other smoothies they delivered, I mentioned how I make some of those at home.

- She took a whole week off of work for this! So how can she not have the time to go to the grocery store and make them herself?!?

- I think she actually had to drive to the neighboring county the first weekend to get the first batch of smoothies because they hadn't arrived in time for the week she had planned.

- Unfortunately, the eating healthy thing didn't stick and didn't kick start a new healthy phase in her life. That was over a year ago.

- I am sure this cost a ton. She is usually a big spender on most things.

Paul der Krake

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Re: Overheard at Work
« Reply #2235 on: March 25, 2014, 08:21:31 PM »
Those sort of juice cleanses usually run at least $50/day. I don't get it either.
For $50/day cleanses, one might as well use a good scotch.

skunkfunk

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Re: Overheard at Work
« Reply #2236 on: March 25, 2014, 08:27:17 PM »

- She took a whole week off of work for this! So how can she not have the time to go to the grocery store and make them herself?!?


This whole thing is quite ridiculous, but why did she have to take a week off of work to drink some smoothies?

Daisy

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Re: Overheard at Work
« Reply #2237 on: March 25, 2014, 08:33:34 PM »

- She took a whole week off of work for this! So how can she not have the time to go to the grocery store and make them herself?!?


This whole thing is quite ridiculous, but why did she have to take a week off of work to drink some smoothies?

She thought the de-toxing process would make her feel weak so she didn't want to have to come in to work. Plus, I think she was going to try to kick-start some other healthy habits during that week.

Cut her some slack, at least she took that week off. We are both at the maximum vacation accrual time at our company which totals about six weeks and we can't roll them over.  She has other years where she loses 2-3 weeks of vacation by not taking them. She's kind of a work-a-holic. I told you there were many stories! This is just the tip of the iceberg.

I roll my eyes when others at work don't take their fully allotted vacation time.
« Last Edit: March 25, 2014, 08:35:42 PM by Daisy »

Supertaster

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Re: Overheard at Work
« Reply #2238 on: March 25, 2014, 08:37:58 PM »
I have a couple of friends (married) that drive me nuts. They worry and fight about money issues constantly. But every 3 or 4 years they buy new cars. They buy them two at a time because one can't deal with the other getting something better.

When they bought their last pair I rode up with them to get the second car (I was having a pretty lazy Saturday). After getting there and being told they'd have to wait a couple more days until they found one in the right color, we went to Hardee's. They literally complained about Hardee's charging them an extra $0.30 for onion rings without telling them. Ugh.

And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

They wear me out sometimes.

I always wonder how people generally in these positions manage to scrounge up a down payment. Do they just live off of a credit card while they bank some cash?
Most people get a windfall once or twice in their lives, either a small inheritance or some settlement, or a cash gift from an elderly relative trying to minimize the future estate tax.

That, and PMI.

They both come from very poor families. It's safe to say that there haven't been (and likely wont be) any windfalls. They haven't been able to qualify for any credit cards, which may be a good thing. They live paycheck to paycheck in the most literal sense.

They've bought all their cars from the same dealership. A few years back they hit a rough patch where they lost the one car they had to an accident, didn't have the savings to replace it, and couldn't get financed for any used cars. The dealership offered them new cars, fully financed. So now they just trade in their old cars as down payments on newer models.

It sounds like it was a good investment for the dealer, since they've found a couple of customers willing to eat the first few years of depreciation on new cars.

skunkfunk

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Re: Overheard at Work
« Reply #2239 on: March 25, 2014, 09:22:35 PM »
I have a couple of friends (married) that drive me nuts. They worry and fight about money issues constantly. But every 3 or 4 years they buy new cars. They buy them two at a time because one can't deal with the other getting something better.

When they bought their last pair I rode up with them to get the second car (I was having a pretty lazy Saturday). After getting there and being told they'd have to wait a couple more days until they found one in the right color, we went to Hardee's. They literally complained about Hardee's charging them an extra $0.30 for onion rings without telling them. Ugh.

And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

They wear me out sometimes.

I always wonder how people generally in these positions manage to scrounge up a down payment. Do they just live off of a credit card while they bank some cash?
Most people get a windfall once or twice in their lives, either a small inheritance or some settlement, or a cash gift from an elderly relative trying to minimize the future estate tax.

That, and PMI.

They both come from very poor families. It's safe to say that there haven't been (and likely wont be) any windfalls. They haven't been able to qualify for any credit cards, which may be a good thing. They live paycheck to paycheck in the most literal sense.

They've bought all their cars from the same dealership. A few years back they hit a rough patch where they lost the one car they had to an accident, didn't have the savings to replace it, and couldn't get financed for any used cars. The dealership offered them new cars, fully financed. So now they just trade in their old cars as down payments on newer models.

It sounds like it was a good investment for the dealer, since they've found a couple of customers willing to eat the first few years of depreciation on new cars.

I guess that means they don't get underwater on them, anyway.   Unless their new loans are carrying their previous cars  balance as well.

AlanStache

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Re: Overheard at Work
« Reply #2240 on: March 26, 2014, 06:24:46 AM »
Quote
And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

I am dealing with that BS from a close friend, I have tried explaining "less I spend, the more I save, the earlier I can retire and more secure I will be" but it totally goes in one ear and out the other.  She made very good money for many years (and still does) and sort of without out bothering with the little stuff found her self very comfortable.  She just does not get the mmm stuff.  It is also almost one of those "why dont you go get a job that pays more" or "it is not my fault you got a poorly paying job" (I am a very well paid engineer) she does not get that I am trying to control the spending side and the income side and that spending is not linked to income.
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Re: Overheard at Work
« Reply #2241 on: March 26, 2014, 07:02:22 AM »

- She took a whole week off of work for this! So how can she not have the time to go to the grocery store and make them herself?!?


This whole thing is quite ridiculous, but why did she have to take a week off of work to drink some smoothies?

That made me laugh, drinking smoothies can be exhausting lol.

Quote
And any time we go out somewhere and I choose a more frugal option I have to listen to the 'What do you care? You make more money than both of us combined!' guilt trip.

I am dealing with that BS from a close friend, I have tried explaining "less I spend, the more I save, the earlier I can retire and more secure I will be" but it totally goes in one ear and out the other.  She made very good money for many years (and still does) and sort of without out bothering with the little stuff found her self very comfortable.  She just does not get the mmm stuff.  It is also almost one of those "why dont you go get a job that pays more" or "it is not my fault you got a poorly paying job" (I am a very well paid engineer) she does not get that I am trying to control the spending side and the income side and that spending is not linked to income.

My in-laws make comments like that to my hubbie, they can't seem to understand that we are saving money and living frugally through choice.

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Re: Overheard at Work
« Reply #2242 on: March 26, 2014, 08:07:27 AM »
Hi everyone! I am new here and have been reading the post with much laughter, and despair, and had to post the following:

Not overhead but said to me by a friend talking about our kids walking home from middle school:

Friend: "I am ok with my daughter walking home on a sunny day but when it's cold or rainy, I am going to order Uber to pick her up.."

BTW, Uber is a car service that you order on your phone.. I estimate it would cost about $25 a pop to drop her daughter off.

Ahhhh!!!!

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Re: Overheard at Work
« Reply #2243 on: March 26, 2014, 08:18:15 AM »
I walked to and from school since I started school. I walked with my siblings when I was kindergarten to 2nd grade, and after that I was on my own. Are kids really that delicate these days, or are parents these days insane? I tend to believe the latter. When I was a kid it would have been mortifying to be seen with your parents walking you to school after age 9.
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Re: Overheard at Work
« Reply #2244 on: March 26, 2014, 08:42:42 AM »
I walked to and from school since I started school. I walked with my siblings when I was kindergarten to 2nd grade, and after that I was on my own. Are kids really that delicate these days, or are parents these days insane? I tend to believe the latter. When I was a kid it would have been mortifying to be seen with your parents walking you to school after age 9.

Depends on many factors, like the distance, the safety of the neighborhood, the weather... 

In Michigan I walked a short distance with my older sister as best I can recall (1st-3rd grade).  In Alaska, we were bussed when there was still snow on the ground for safety.  One year, that meant we were bussed through the end of June.  (Otherwise, I remember biking to school in 6th grade, no idea what I did the earlier two years.)  In NH, I walked about half a mile to the bus stop.  In CA, there were no buses (except for kids getting redistricted for "diversity" reasons)...  That drove my parents nuts.  Dad dropped us off on his way to work (we'd get there 30-45 mins early), and mom picked up afterwards (she was a SAHM).  When dad was out at sea, my sister or I got his car. 

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Re: Overheard at Work
« Reply #2245 on: March 26, 2014, 08:43:49 AM »
This one can't compete with many of the entries on this thread but it amuses me.

Mrs. A and I recently relocated. She's home with Lil' A, and we're still carrying the mortgage and maintenance on our old apartment (it's almost off the books!).

We regularly end up in the following conversation;

Friend: So wait, you're on one income?
Us: Yes
F: You're paying rent?
U: Yes
F: And a mortgage?
U: Yes
F: How does that work?
U: See how you're eating in our home and not in a restaurant? Stuff like that.
F: Are you guys OK?
U: Um, yeah.
F: No really, you need to tell me if you're not ok.

It just amuses/frustrates that most people are totally bewildered by the fact that we can pay our bills. Or that we, you know, had savings so we could could bridge a few months (or years) like this if we need to.

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Re: Overheard at Work
« Reply #2246 on: March 26, 2014, 09:04:45 AM »
Hi everyone! I am new here and have been reading the post with much laughter, and despair, and had to post the following:

Not overhead but said to me by a friend talking about our kids walking home from middle school:

Friend: "I am ok with my daughter walking home on a sunny day but when it's cold or rainy, I am going to order Uber to pick her up.."

BTW, Uber is a car service that you order on your phone.. I estimate it would cost about $25 a pop to drop her daughter off.

Ahhhh!!!!

Please don't do let her do that. My best friend's sister was recently assaulted by an Uber Driver and has filed a lawsuit against the company. It is my opinion based on my understanding of the situation that they do not have very thorough background checks for their drivers. I would NEVER let my child get into a cab without me. That's insanity.

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Re: Overheard at Work
« Reply #2247 on: March 26, 2014, 09:18:46 AM »
Friend: "I am ok with my daughter walking home on a sunny day but when it's cold or rainy, I am going to order Uber to pick her up.."

Madness.

Reminds me of when I was younger (14ish) - most of the children walked home from school.  I wanted to walk home with my friends, but Mum was much happier picking me up in the car on her way home from work.  We had an agreement that if it was "raining" she could pick me up, otherwise I would walk.  I took this to be "if it is currently a torrential downpour", she took it to be "if it has rained in the last three years".  Most evenings, when it was perfectly dry, I'd see her car parked outside the front of the school, and me and my friends would sneak out the back of the school and would walk home an obscure route. 
When I would get home, Mum would be there and would say "I was waiting outside the school for you", to which I'd reply "That's very kind, but I can't see why as it wasn't raining".  This went on for months and we both knew full well what the other one was doing.  :-D

TexasBrit

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Re: Overheard at Work
« Reply #2248 on: March 26, 2014, 09:45:07 AM »
Hi everyone! I am new here and have been reading the post with much laughter, and despair, and had to post the following:

Not overhead but said to me by a friend talking about our kids walking home from middle school:

Friend: "I am ok with my daughter walking home on a sunny day but when it's cold or rainy, I am going to order Uber to pick her up.."

BTW, Uber is a car service that you order on your phone.. I estimate it would cost about $25 a pop to drop her daughter off.

Ahhhh!!!!

Please don't do let her do that. My best friend's sister was recently assaulted by an Uber Driver and has filed a lawsuit against the company. It is my opinion based on my understanding of the situation that they do not have very thorough background checks for their drivers. I would NEVER let my child get into a cab without me. That's insanity.

Very scary, yes, absolutely something to think about. I agree, I wouldn't feel comfortable with my child riding in a stranger's car. Isn't that the reason we are nervous about them walking to school in the first place, in case some stranger gets them in their car?

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Re: Overheard at Work
« Reply #2249 on: March 26, 2014, 10:03:54 AM »
It's nuts to think it's safer to ride in a stranger's car than to walk home in the cold/rain. That's what coats and umbrellas are for!
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