Author Topic: Overheard at Work  (Read 5508869 times)

Fuzzy Buttons

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Re: Overheard at Work
« Reply #6150 on: December 23, 2014, 08:26:43 AM »
I often wonder why they feel the need to complicate things so much. The feds give 1% automatically, full match up to 3%, and 50% match from 3% to 5%. The diminishing returns seem to me like a good excuse to give less. I'd rather they start at 0 and give a full match all the way.
I've never set mine under 5%, usually well above that, but I do think the convoluted match scheme makes it easy to rationalize lower contributions.

My employer used to put in 2%, then match 100% of what you put in up to another 4% of your salary.

Now they don't put anything in to start with, and only match 25% of what you put in, up to 2% of your salary.  So, you must put in 8% to get the full match.  I still have conversations with coworkers who are confused by this, and think they're getting the full match at 2%.  Which I guess would be half a percent?

They also wait as long as possible to deposit the match - October of the following year.  So if you left the company in the nine months before that, you don't get it.  But all of this is moot, because for the last three years running they haven't bothered to put anything in at all.  Financial considerations don't allow it, and all that.  Maybe next year.

This year for the first time I put in the IRS max, which is about 25% of my gross salary.  The good news is that after that, the missing 2% from them is nothing to worry about.  :)
« Last Edit: December 23, 2014, 09:14:53 AM by Fuzzy Buttons »

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Re: Overheard at Work
« Reply #6151 on: December 23, 2014, 10:53:08 AM »
This year for the first time I put in the IRS max, which is about 25% of my gross salary.  The good news is that after that, the missing 2% from them is nothing to worry about.  :)
I feel like I've read something about this before... hmmm:
http://www.mrmoneymustache.com/2012/11/14/doubling-your-salary/
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cs33988

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Re: Overheard at Work
« Reply #6152 on: December 23, 2014, 01:45:55 PM »
I have lurked on this website long enough.  Here is a Lose, Win, Lose situation from the same coworker in a span of about 3 days.

Lose: Coworker has been placing TSP contributions (not even 5%) into the G fund. 
Win: Coworker hears me talking and asks how to switch to another fund.  She chooses lifecycle fund and is going to "let it ride"
Big Lose: Executive order gives everybody 1% raises.  I suggest to CW to up her TSP contribution by that 1% and thus her check will only change slightly and her raise is actually 2% because she gains the match.   
   CW: How much would that change my actual paycheck
   Me: Couple of bucks probably because locality pay isn't affected
   CW: That's a lunch
   Me:  Obama is helping you save for your future
   CW: Obama is buying me lunch
« Last Edit: December 23, 2014, 01:47:55 PM by cs33988 »

merula

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Re: Overheard at Work
« Reply #6153 on: December 23, 2014, 01:47:59 PM »
On topic: my in-laws moved 10 blocks away from me to be closer to the grandkids. They ROUTINELY drive those 10 blocks. Not only that, they bought an SUV "to make it easier to fit the carseats". They drive my kids places MAYBE once a month.
I feel sad whenever I hear something like this.  In many cases, I honestly don't think it's about the money or the car.  I think grandparents will do just about anything to spend more time with their grandkids and they want to remove any possible objection ahead of time. 
I think a lot of people spend many years believing "someday, my life will be better and everyone will love me and want to spend time with me".  Sometimes material things fill those voids, and sometimes material things are used to entice others to spend time with them.  Either way, it's sad.  Consider giving your in-laws a specific job that requires time with your kids.  Ask them to bring your kids to the park every Thursday, or have game day every other Friday night, or Library day once per month.  Anything that makes them feel useful will typically mean that they spend less money trying to fill a void and more time feeling better about themselves.

I wish it was as simple as a "need to be needed". That I could understand and work with. My m-i-l's schedule of being a stay a home mom since her first child was born apparently just doesn't permit that kind of planning. She says things like "Oh, I don't want to be restricted to just once a week", but then most of the time doesn't actually come over because "something" comes up. She has reneged on actual, firm plans to come over and watch the kids. It's not something I get involved with because my husband is a stay-at-home-dad, so it's all-around his issue to deal with.

They are always welcome to take our car plus the kids and not move the car seats at all. Or if they were willing to walk they could take them to the park, library, toy store, or one of three ice cream shops that are all within a 10 minute walk. Or they could bus or train to a million other options, including a zoo and a handful of museums.

craiglepaige

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Re: Overheard at Work
« Reply #6154 on: December 23, 2014, 05:15:29 PM »
A good coworker and somebody who I consider a friend came up to me today and told me he didn't get home till almost 11pm last nite, after not leaving the Toyota dealership till almost 10pm. So I asked him why was he there that late, and said he and his wife were there returning her lease car and leasing a brand new Rav4.

He's gonna be paying $325 for 36mo and his father had to "bail him out", as he put it, because she was over her yearly miles and was rolling negative equity. When I asked him why the lease, he said it would be really cheap to buy the car after the three years.

I felt bad but I had to be polite and sound/act happy about his purchase. 
:(
« Last Edit: December 23, 2014, 05:28:41 PM by craiglepaige »
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Re: Overheard at Work
« Reply #6155 on: December 23, 2014, 06:04:02 PM »
Why does the only civilised way to react in this kind of situation is smile and act happy? Even if inside, you feel sick to the stomach. Do normal peoples know how bad they make us thinking we are kind of hypocrite :/
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firelight

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Re: Overheard at Work
« Reply #6156 on: December 24, 2014, 06:29:45 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.

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Re: Overheard at Work
« Reply #6157 on: December 24, 2014, 06:39:16 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
I thought my CWs were kid-whipped, but that tops them all. Every last one.
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DeepEllumStache

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Re: Overheard at Work
« Reply #6158 on: December 24, 2014, 06:42:48 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
I thought my CWs were kid-whipped, but that tops them all. Every last one.

If you're doing that when the kid is 7, imagine what will be required when they start driving. And imagine this kid as an adult.
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Liberty Stache

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Re: Overheard at Work
« Reply #6159 on: December 24, 2014, 07:18:54 AM »
We challenge each other for 100$ expenses, I would bring it back to the dealer in a blink!

My wife and I also have the "$100" rule: If its >$100 or is a reoccuring expense we need to discuss it.
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dycker1978

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Re: Overheard at Work
« Reply #6160 on: December 24, 2014, 07:27:02 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
I thought my CWs were kid-whipped, but that tops them all. Every last one.

If you're doing that when the kid is 7, imagine what will be required when they start driving. And imagine this kid as an adult.

An we wonder why kids today seem to have no work ethic and are spoiled and entitled.... give them everything that is why.

Metta

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Re: Overheard at Work
« Reply #6161 on: December 24, 2014, 07:38:13 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
I thought my CWs were kid-whipped, but that tops them all. Every last one.

If you're doing that when the kid is 7, imagine what will be required when they start driving. And imagine this kid as an adult.

An we wonder why kids today seem to have no work ethic and are spoiled and entitled.... give them everything that is why.

I remember when my niece was 7 and I called my sister in a tizzy not knowing what to get for her birthday. She told me, "She's 7. She'll enjoy anything you give her." And she did.

Quite a difference from the entitled children one hears about here and at my workplace. She has grown up to be an incredibly graceful, sweet-tempered, and resourceful teen. Her sister is now 10 and she is also fairly easily pleased with everything except food. (She only eats noodles or potatoes covered with some sort of cheese sauce.) My sister has never had much money (though she makes the money she has stretch further than a mustachian) so, perhaps her children never had the opportunity to be spoiled by anyone other than grandparents and concerned aunts and uncles. Or perhaps my nieces are simply sweeter than usual because of our excellent genetics. ;)

infogoon

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Re: Overheard at Work
« Reply #6162 on: December 24, 2014, 07:47:43 AM »
Care to share the employer's name? Are they hiring?
No shit! I've had a few jobs with what I thought were decent bennies, but I don't think I've ever seen a match over 6%. TSP only matches 1-to-1 on the first 3% and half up to 5%.

I'd suck up some serious pain to get a deal that sweet.

My previous employer put in 8%, so long as the employee contributed at least 2%. That was in higher ed, though; the retirement plans tend to be pretty good, because they're competing against the defined-benefit pensions offered by state universities.

horsepoor

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Re: Overheard at Work
« Reply #6163 on: December 24, 2014, 08:50:47 AM »
I have lurked on this website long enough.  Here is a Lose, Win, Lose situation from the same coworker in a span of about 3 days.

Lose: Coworker has been placing TSP contributions (not even 5%) into the G fund. 
Win: Coworker hears me talking and asks how to switch to another fund.  She chooses lifecycle fund and is going to "let it ride"
Big Lose: Executive order gives everybody 1% raises.  I suggest to CW to up her TSP contribution by that 1% and thus her check will only change slightly and her raise is actually 2% because she gains the match.   
   CW: How much would that change my actual paycheck
   Me: Couple of bucks probably because locality pay isn't affected
   CW: That's a lunch
   Me:  Obama is helping you save for your future
   CW: Obama is buying me lunch

It probably wouldn't affect her check at all because it's pre-tax, which should override the small effect of the locality pay.  It kills me when people don't even put in enough to get the matching.


Threshkin

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Re: Overheard at Work
« Reply #6164 on: December 24, 2014, 09:10:47 AM »
An we wonder why kids today seem to have no work ethic and are spoiled and entitled.... give them everything that is why.

Kids today, gah! (in crotchety old man voice)

And stay off my lawn!  (waiving my cane in the air)

BPA

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Re: Overheard at Work
« Reply #6165 on: December 24, 2014, 09:30:24 AM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
I thought my CWs were kid-whipped, but that tops them all. Every last one.

If you're doing that when the kid is 7, imagine what will be required when they start driving. And imagine this kid as an adult.

An we wonder why kids today seem to have no work ethic and are spoiled and entitled.... give them everything that is why.

Yep.  I teach high school.  We can always tell which kids have THOSE parents.

secondcor521

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Re: Overheard at Work
« Reply #6166 on: December 24, 2014, 09:33:24 AM »
An we wonder why kids today seem to have no work ethic and are spoiled and entitled.... give them everything that is why.

Kids today, gah! (in crotchety old man voice)

And stay off my lawn!  (waiving my cane in the air)

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Rollin

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Re: Overheard at Work
« Reply #6167 on: December 24, 2014, 12:43:29 PM »
100% match?!?! Only putting in $500 a month?!?! (MIND EXPLODES) I think I'm cutting a fat hog at 6% match.

In order to share the pain from the UK - what is the IRS max? I don't thunk I'm going to like the answer!

$17,500 in 2014...
And $18k for next year.  One more week and I can revamp all my auto-investments for 2015.
Plus $5,000 if you are over 50 (some caveats), but most of you are early retirement bound and wouldn't care about that over 50 stuff :)  I get funny looks from my accounting staff when I up mine to the max every year.  She is single and makes well above the average FAMILY income in the area and seems to just skid by.
« Last Edit: December 24, 2014, 12:58:11 PM by Rollin »
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Rollin

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Re: Overheard at Work
« Reply #6168 on: December 24, 2014, 12:52:41 PM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.

Wow!  $3K/kid.  We are doing approx. $150/kid and I feel that is a bit over the top (call me Mr. Grinch, the older cartoon version).
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Re: Overheard at Work
« Reply #6169 on: December 24, 2014, 01:16:29 PM »
Boss: Are you going to take your baby [~6 months] to get a photo with Santa?
CW: I don't know, it's pretty expensive.
Boss: I heard that X mall is charging only $35.
CW: Oh, maybe I'll go there then.

!!!! So how the hell much does it usually cost to get a Santa photo? People are crazy.

lizzie

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Re: Overheard at Work
« Reply #6170 on: December 24, 2014, 01:19:57 PM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.

Wow, that is truly astounding. A real-life Dudley Dursley.

LennStar

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Re: Overheard at Work
« Reply #6171 on: December 24, 2014, 01:39:31 PM »
Boss: Are you going to take your baby [~6 months] to get a photo with Santa?
CW: I don't know, it's pretty expensive.
Boss: I heard that X mall is charging only $35.
CW: Oh, maybe I'll go there then.

!!!! So how the hell much does it usually cost to get a Santa photo? People are crazy.

You know, for that money you could hire a student with costume to make 20 photos!
You know, you could rent someone and let your neighbors make photos for only 25$!!
You know, I think I am going to get a santas costume next year and someone who knows how to make photos. You could even give them a red USB stick with the photos for 35$ each!!!

gimp

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Re: Overheard at Work
« Reply #6172 on: December 24, 2014, 02:33:48 PM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.

https://www.youtube.com/watch?v=_KqqRPvM_Sw - Cartman when his mom won't buy him the biggest-storage ipad.

Quote
You know, I think I am going to get a santas costume next year and someone who knows how to make photos. You could even give them a red USB stick with the photos for 35$ each!!!

The photo thing is funny.

Photos are expensive - well, no, photos are actually nearly free, but everything surrounding them is expensive. Fancy cameras, expensive lenses, lots of lighting gear (some if which is also very expensive), lots of specialized knowledge of both the camera-lens part and the lighting part, lots of time to post-process. Insurance for all the above. And add the fact that usually it's a freelancer, so they need to charge twice per hour what they actually need to survive, since work is sporadic. And of course, you need to pay the mall, pay the santa, pay for whatever other bullshit you need to pay for.

That's one of the many reasons, for example, a wedding photographer might cost you three grand.

Or at least so the story goes. Of course, that's not the end of the story. In truth, I can get a $200 kit with camera and lens, $200 for some basic lighting, give it to some 16-year-old who likes instagram, teach them how to use it for 15 minutes on auto mode, and shit out photos for $35 per. Or $5 per, if kids don't take too long and I don't like profit. Next year, wouldn't even have to buy the gear, since it still works fine. And you know, the photos will be fine. They're not going to be art, they're going to be fast and simple and not very good. For an extra $5/per, I can hire someone who knows more about lighting and exposure, knows a bit on how to set up lights for portraits, and can do a basic post-process.

But every "photographer" with a camera and a need to eat likes to think that what they're doing is very specialized and difficult, as if they're developing the photos themselves and dodging and burning and framing and each shot costs film and chemicals. You can get away with it for weddings; $300 gets you a student with very basic gear and in good conditions they might deliver good photos, in poor conditions it's a bit unlikely; for three grand you're essentially buying a guarantee of good technical work as well as decent art to boot. For santa shots, you don't get away with that. But you can still pretend that it's something special, add in some of that "once a year event, memories for the rest of your life" bullshit (who the fuck looks at those photos more than once? they go on facebook, get ten likes, and are buried forever) and charge as much as the market will bear.

Which, apparently, is thirty-five dollars.

RyanAtTanagra

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Re: Overheard at Work
« Reply #6173 on: December 24, 2014, 02:40:05 PM »
Quote
You know, I think I am going to get a santas costume next year and someone who knows how to make photos. You could even give them a red USB stick with the photos for 35$ each!!!
The photo thing is funny.
...

That was an awesome rant from start to finish

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Re: Overheard at Work
« Reply #6174 on: December 24, 2014, 03:06:43 PM »

Wow!  $3K/kid.  We are doing approx. $150/kid and I feel that is a bit over the top (call me Mr. Grinch, the older cartoon version).
Dudley Dursley indeed.  We're spending about $75/kid.  'Course, we have 6 of 'em, so it adds up, but still...

gooki

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Re: Overheard at Work
« Reply #6175 on: December 24, 2014, 07:00:42 PM »
Boss: Are you going to take your baby [~6 months] to get a photo with Santa?
CW: I don't know, it's pretty expensive.
Boss: I heard that X mall is charging only $35.
CW: Oh, maybe I'll go there then.

!!!! So how the hell much does it usually cost to get a Santa photo? People are crazy.

My response: only if I knew it was the real Santa. No fucking way am I paying $35 for a photo of an imposter.

PS I hate Santa photos. Even if they were free I wouldn't subject my children to it.  Half the ones I see,  the kids are creeped out with awful expressions on their faces.
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frugalamber

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Re: Overheard at Work
« Reply #6176 on: December 24, 2014, 08:05:16 PM »
Boss: Are you going to take your baby [~6 months] to get a photo with Santa?
CW: I don't know, it's pretty expensive.
Boss: I heard that X mall is charging only $35.
CW: Oh, maybe I'll go there then.

!!!! So how the hell much does it usually cost to get a Santa photo? People are crazy.

My response: only if I knew it was the real Santa. No fucking way am I paying $35 for a photo of an imposter.

PS I hate Santa photos. Even if they were free I wouldn't subject my children to it.  Half the ones I see,  the kids are creeped out with awful expressions on their faces.

I was in the hospital for the hr long test; hubby took our 4 year old to the mall across for free parking and escape from rain. They both stood in Santa photo line for 25 mins, took pictures in iPhone; and took a few mins break before picking me.
We got great free Santa photos for us to print as we like free. Also because my 4 year old wanted one. Totally unplanned. No way we are spending $30 for 2 4*6 photo prints.

Latwell

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Re: Overheard at Work
« Reply #6177 on: December 24, 2014, 09:04:27 PM »
This is more of "seen at work", rather than overheard.

My side gig is deliveries for a restaurant. Some customers invite me in when it's super hot or super cold. Customer recently let me inside, soon as they shut the door, I look behind the door and there's a pond. When I told my SO that this person had a pond right next to the door, I had to clarify, "The pond is INSIDE their home. O.O" Don't worry, the pond had a waterfall.

Couldn't believe my eyes.

Latwell

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Re: Overheard at Work
« Reply #6178 on: December 24, 2014, 09:36:42 PM »
Unfortunately, I have more stories. lol

1. Co-worker was complaining that diesel fuel costs more than the other fuels right now. Instead of sympathizing with him, I had to clarify his issue, "you're upset that you have to pay more to fuel your brand new audi (which cost at least $50k because to had to make sure it had certain features like panoramic sunroof)?" I followed with an apology that I can't relate to his issue. 

2. Coworker recently left our firm. Old commute = ~11 miles (w/ hardly any traffic). New commute = ~40 miles (in the most frustrating traffic..stop. go 2 miles an hour. stop. rinse repeat and add a few fender benders b/c the person behind you got impatient and hit the gas by accident [had this happen 2 times in one year to me in old commute]).
Coworker claims he wanted to work for new employer because of state retirement pension. I pointed out that he could easily save for his retirement on his own and the real reason is because he basically needs the state to take his money and save it for him. He agreed. I could understand if the pay he will receive is more than what he receives now, but it's only a couple grand more and that extra money will easily get eaten up by the awful commute he is choosing.

LennStar

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Re: Overheard at Work
« Reply #6179 on: December 25, 2014, 02:09:39 AM »
Unfortunately, I have more stories. lol

1. Co-worker was complaining that diesel fuel costs more than the other fuels right now. Instead of sympathizing with him, I had to clarify his issue, "you're upset that you have to pay more to fuel your brand new audi (which cost at least $50k because to had to make sure it had certain features like panoramic sunroof)?" I followed with an apology that I can't relate to his issue. 
You could have pponited out that he gets about 1/4 more of milage out of diesel, because its energy is higher then gas.

I know that type of complain. Here in germany diesel is tax-reduced, but the car itself costs more.
So I had a coworker complain that diesel got so expensive even when they already paid 2000 more for the car.
And I though they pay 1/5 less money AND use 1/4 less of the stuff. She pays about 30 less per week then the same car as gas just from commuting. I wouldnt complain.
Also, funny thing: I am a very defensive, slow (fuel saving) driving person, that coworker is more average (= 7km/h faster then speed limit, braking more etc.) one day she had the same route then me back to home because she wanted to the doctor (she lives in another small town).
The way is 20km. We started at the same time (mostly she is earlier because she does only 30hours, but for the doctors time she worked an hour longer that day). At the last traffic light, about 500m from my home I had to turn left, she right.
Because the left lane had way less cars, I ended up in front of her at the traffic light :D
All the way she disappeared out of my sight only to get back in at some point.
Granted, it was because she had bad luck at the way between our starting and end city, but it showed very nice that "fast" driving isnt necessarily faster then "slow."
If I had the bad luck and she a green wave, it would have been perhaps 6 minutes.

Travis

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Re: Overheard at Work
« Reply #6180 on: December 25, 2014, 09:10:57 AM »
Quote
I pointed out that he could easily save for his retirement on his own and the real reason is because he basically needs the state to take his money and save it for him. He agreed.

At least he's honest about having a mental block.

mm1970

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Re: Overheard at Work
« Reply #6181 on: December 25, 2014, 09:26:02 AM »
100% match?!?! Only putting in $500 a month?!?! (MIND EXPLODES) I think I'm cutting a fat hog at 6% match.

In order to share the pain from the UK - what is the IRS max? I don't thunk I'm going to like the answer!

$17,500 in 2014...
And $18k for next year.  One more week and I can revamp all my auto-investments for 2015.
Plus $5,000 if you are over 50 (some caveats), but most of you are early retirement bound and wouldn't care about that over 50 stuff :)  I get funny looks from my accounting staff when I up mine to the max every year.  She is single and makes well above the average FAMILY income in the area and seems to just skid by.
Oh, may have to redo my math.  I set my 401k at the max in 2013 when I was working 80% for the first half, and never adjusted, so I now cap out in October or November.

My spouse has the most awesome 401k contribution.  Company puts 10 to 20% of your salary into your 401k every year, depending on profits.  Straight up, no match.  To think he could have started working there 5 years before he did.  Their philosophy is "work hard, retire early".  Which would have been easier had he started at age 32 not 37.

gimp

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Re: Overheard at Work
« Reply #6182 on: December 25, 2014, 01:45:52 PM »
The photo thing is funny.
...

That was an awesome rant from start to finish

Thanks!

Goldielocks

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Re: Overheard at Work
« Reply #6183 on: December 25, 2014, 11:36:55 PM »
Boss: Are you going to take your baby [~6 months] to get a photo with Santa?
CW: I don't know, it's pretty expensive.
Boss: I heard that X mall is charging only $35.
CW: Oh, maybe I'll go there then.

!!!! So how the hell much does it usually cost to get a Santa photo? People are crazy.
Whah? It used to be $5 about 10 years ago....

GatorNation

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Re: Overheard at Work
« Reply #6184 on: December 26, 2014, 12:56:14 PM »
I think my story wins.

I'm an attorney and have been working at the same firm for over 5 years now.  About a year ago, my hired a fresh out of law school lawyer, who had no experience whatsoever (I was this new lawyer's direct superior).  Most of his day consisted of driving to court in the morning, driving back to the office and working in the office until 6pm (the firm reimbursed him all expenses).  This guy was anti-mustachian as they get.  He would party all night at the clubs, had fancy clothes, and confessed to me that he had about $110,000 in student loans.  He would always complain about not having enough money and how he hates having so much debt.

One day we start talking about finances, and he confesses to me that his very sporty 2012 Nissan 370z has about $10,000 of equity.  He then told me that he was sick of making monthly car payments and was going to trade in the car for something more economical.  I advised him to sell the car, and use the equity to buy himself a lightly used car for no more than $8,000.  He agreed with what I say and he tells me that he is going to sell his car and buy a new one over the weekend.

Monday comes around, and he drives up on a brand new Dodge Camaro.  He quickly says "I got a great deal on the car.  I sold my Nissan to the dealership, leased this one, and I wont have to make any payments on the lease for 1 year!"  All I could do was bite my tongue and say that I felt happy for him.  I asked him "what happened with buying a lightly used car" and he says "there is no way I could drive a used car, have you seen how awesome my Camaro is?"  Of course, everyone in the office is praising him for his great purchase and everyone keeps telling him how jealous they are of him.

Later that same day, he comes into my office and tells me that he can no longer drive to court every day because his lease has a 12,000 mile yearly limit.  I, of course, told him that he knew very well before he got his new lease that he would have to drive on a daily basis to court, and that it was made very clear to him when he took the job that there would be a lot of driving.  He said he understood and walked out of my office.

For the next couple of weeks, instead of driving his new lease, he would borrow a car from a friend, parent, or sibling to go to court so that he didn't put miles on his new lease.  He once asked me if he could borrow my car to go to court since I owned my car outright and didn't have to worry about the miles on it (lol I laughed to this face).  Eventually, he started complaining to the other attorneys about all the driving he was doing and how much he would have to probably pay in fees to the car dealer for going over his yearly mileage limit. 

On a Monday, about a month after leasing his car, he tells me that he would no longer be able to drive to court, and that I didn't understand his financial situation and how all the driving is making him broke.  I said "I understand", so I let him stay in the office for the remainder of the week.  I quickly told the head partner about my conversation with my co-worker and the partner almost had a heart attack.  On Friday of that same week, the parter walks into my co-worker's office and fires him on the spot.

Not only did his decision to lease a brand new car cost him a lot of $$, but it cost him his job.  My ex co-worker is now working at another firm, which pays about half what my firm was paying him, and has a terrible overall reputation.

babysnowbyrd

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Re: Overheard at Work
« Reply #6185 on: December 26, 2014, 01:14:38 PM »
^^^

Sad! :(

craiglepaige

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Re: Overheard at Work
« Reply #6186 on: December 26, 2014, 02:05:52 PM »
^^^ but he still has his sweet Camaro ;)
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slugline

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Re: Overheard at Work
« Reply #6187 on: December 26, 2014, 02:06:57 PM »
Most of his day consisted of driving to court in the morning, driving back to the office and working in the office until 6pm (the firm reimbursed him all expenses).

But, shouldn't "all expenses" include mileage penalties on car leases??? :)

fantabulous

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Re: Overheard at Work
« Reply #6188 on: December 26, 2014, 05:49:12 PM »
Not only did his decision to lease a brand new car cost him a lot of $$, but it cost him his job.  My ex co-worker is now working at another firm, which pays about half what my firm was paying him, and has a terrible overall reputation.

What an awful and amusing story. I'll be the guy still can't have a sweet Camaro mullet working at a law firm.

Hedge_87

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Re: Overheard at Work
« Reply #6189 on: December 26, 2014, 06:36:49 PM »
Not only did his decision to lease a brand new car cost him a lot of $$, but it cost him his job.  My ex co-worker is now working at another firm, which pays about half what my firm was paying him, and has a terrible overall reputation.

What an awful and amusing story. I'll be the guy still can't have a sweet Camaro mullet working at a law firm.

Camaro  ownership requires three things. Mullet, motley crew played constantly at loud as possible volume, and cruising around guzzling cheap gas station beer while chain smoking marbalo reds.
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agent_clone

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Re: Overheard at Work
« Reply #6190 on: December 26, 2014, 09:18:34 PM »
I have one related to Christmas gifts.

At work, I saw a CW ask around for an empty PS4. I asked her what it was for and she said her kid was into XBOX but they were going to put the PS4 box.... With a Macbook in it. They also had an XBOX to give AFTER all gifts. And the kid is only 7.... I was like wow!! At 7, I'd be happy with one gift... Not demand more. And she said, her kids usually have meltdowns after all gifts are opened since they sometimes don't get all they want. Apparently in earlier years, they've had to go to stores to buy those missing gifts on or after Christmas day. Now my cw and husband get everything but give the "missing" gifts when meltdowns start. If the kids dont do a meltdown, they still get those gifts for being good throughout the day. She said she spent around $3k per kid. Took me some time to get through all of this.
Isn't them buying the gifts after the meltdowns reinforcing the meltdowns? (i.e. there is a reward for having a melt down).  It sounds to me there is a child-rearing/discipline problem...

RyanAtTanagra

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Re: Overheard at Work
« Reply #6191 on: December 27, 2014, 11:08:56 AM »
I think my story wins.
...

Yes, I think it does.  Holy hell.

dandarc

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Re: Overheard at Work
« Reply #6192 on: December 27, 2014, 11:22:55 AM »
So - candidate for most expensive car purchase ever there GatorNation.  Can't even wrap my head around the cost of cratering a legal career over a car.
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vern

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Re: Overheard at Work
« Reply #6193 on: December 27, 2014, 02:23:49 PM »
Thanks for the story Gator.

But it's not a sweet Camero, it's a Bitchin' Camero!

www.youtube.com/watch?v=1v3CzvQ9e_w


"Of my fifty-seven years I have applied at least thirty to forgetting most of what I had learned or read, and since I succeeded in this I have acquired a certain ease and cheer which I should never again like to be without."  World Chess Champion Emanuel Lasker

Cheddar Stacker

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Re: Overheard at Work
« Reply #6194 on: December 27, 2014, 03:31:32 PM »
Thanks for the story Gator.

But it's not a sweet Camero, it's a Bitchin' Camero!

www.youtube.com/watch?v=1v3CzvQ9e_w

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Indecision may or may not be my problem.

ambimammular

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Re: Overheard at Work
« Reply #6195 on: December 27, 2014, 03:55:24 PM »

On topic: my in-laws moved 10 blocks away from me to be closer to the grandkids. They ROUTINELY drive those 10 blocks. Not only that, they bought an SUV "to make it easier to fit the carseats". They drive my kids places MAYBE once a month.

I can beat that! My aunts live on the same block, literally one house between them. One sister routinely uses the golf cart to go visit. Once I saw her back it out of the driveway to get the mail, then pull it in again.

Indexer

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Re: Overheard at Work
« Reply #6196 on: December 27, 2014, 05:20:21 PM »
I hear this all the time from co-workers, my mom, past girlfriends, etc.

"I bought (XYZ useless crap) and it was on sale for (XYZ stupid amount).  It normally costs (XYZ even dumber amount) so I saved (imaginary money)!!!"

Me - No you didn't save anything.  No one wanted it at the higher price, thats why it was on sale.  You paid full price for (WTF is that?)!  If you didn't buy it at all... thats saving money.

kpd905

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Re: Overheard at Work
« Reply #6197 on: December 27, 2014, 05:39:34 PM »
I hear this all the time from co-workers, my mom, past girlfriends, etc.

"I bought (XYZ useless crap) and it was on sale for (XYZ stupid amount).  It normally costs (XYZ even dumber amount) so I saved (imaginary money)!!!"

Me - No you didn't save anything.  No one wanted it at the higher price, thats why it was on sale.  You paid full price for (WTF is that?)!  If you didn't buy it at all... thats saving money.

Welcome to Kohl's.  I hate when they say how much you "saved" when they hand over the receipt.
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vern

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Re: Overheard at Work
« Reply #6198 on: December 27, 2014, 05:59:38 PM »
I hear this all the time from co-workers, my mom, past girlfriends, etc.

"I bought (XYZ useless crap) and it was on sale for (XYZ stupid amount).  It normally costs (XYZ even dumber amount) so I saved (imaginary money)!!!"

Me - No you didn't save anything.  No one wanted it at the higher price, thats why it was on sale.  You paid full price for (WTF is that?)!  If you didn't buy it at all... thats saving money.

There's a great quote from a car salesman in the documentary Slasher...

"If there is a pile of shit on the side of the road with a sign that says "For Sale $1,000,000" and later they put up a sign that says, "For Sale $1", people will buy the shit."
"Of my fifty-seven years I have applied at least thirty to forgetting most of what I had learned or read, and since I succeeded in this I have acquired a certain ease and cheer which I should never again like to be without."  World Chess Champion Emanuel Lasker

mm1970

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Re: Overheard at Work
« Reply #6199 on: December 27, 2014, 06:24:06 PM »