Author Topic: Overheard on Facebook  (Read 2163046 times)

Will

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Re: Overheard on Facebook
« Reply #1300 on: December 06, 2014, 09:19:07 AM »
So a Realtor/friend of mine posts on Facebook:

Quote
Remember The Graduate -- one word for you -- Plastics. Well, I have my 2015 words for you -- Health Care ETF's --- FULL DISCLOSURE --- I am not a Financial Advisor in any shape or form. I hope my finacial advisor friends will comment......

After various inane comments, I write:

Quote
Ah, I see now why Larry won't allow you to retire.

(It had been written earlier that my friend's spouse wouldn't consider either of them retiring this next year, even though one is 70 and the other almost 60.)

So then I get this in a PM:

Quote
Actually we have made over 40 % in the last few months on these ETF's ... It has been quite nice, making it so my retirement can be manageable. So I highly recommend these health care .... LOL

Me:

Quote
Are they up 40% or have you sold them for 40% more than you paid?

Friend: 

Quote
They are up ... as right now we do not dare sell them. Larry and I have made most our money in the stock market over the last 30 years. Have not done it on wages.



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Re: Overheard on Facebook
« Reply #1301 on: December 06, 2014, 11:38:41 PM »
I had to google the starbucks card, hadn't heard of it.   According to one news article I saw they made 43,000 of this supposedly 'limited edition' card.

I have new respect for starbucks.   thats a lot of chumps.   $8.6MM worth.   

NearlyThere

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Re: Overheard on Facebook
« Reply #1302 on: December 07, 2014, 03:26:22 AM »
Guy on Facebook last week congratulating himself for being debt free for the first time in his adult life.

This week, test driving a 70k Audi.

greenmimama

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Re: Overheard on Facebook
« Reply #1303 on: December 07, 2014, 04:00:20 PM »
Funny you mentioned this - some friends and I met in Starbucks last night and ended up staying pretty late (slightly past closing).  Anywho, the barista proceeds to share with us the idiocy (his words, not mine) of this new gift card that indeed costs $200 but can only purchase $50 worth of Starbucks.  I asked if the card itself was worth the balance of $150.  He was quick to respond with a side eye, and then went in the back and brought one out for me to see.  The card itself does not look expensive at all, and what's worse he mentioned that the design was flawed.  Because it was on a keychain, he spoke of the hassle that customers face when making purchases through drive thru.  They essentially have to turn their cars off to hand them their whole gang of keys to use their giftcard.  Clearly Starbucks is on to something if these cards are selling like hotcakes though.  I need to figure out a similar side hustle ;)
Bahahaha. Are you serious that there's a drive through for Starbucks???

Here in the midwest, a bunch of coffee places have a drive thru in addition to an in store place you can sit and use the wifi, the lines are usually long too. I don't get it, but I don't drink the black drug.

lemanfan

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Re: Overheard on Facebook
« Reply #1304 on: December 07, 2014, 04:57:51 PM »
Here in the midwest, a bunch of coffee places have a drive thru in addition to an in store place you can sit and use the wifi, the lines are usually long too. I don't get it, but I don't drink the black drug.

This past summer, I passed Atchison, KS and saw a "drive thru" coffee place but I parked and got in. The girl behind the counter seemed nervous and once she realized that i was a visitor from overseas she started to stutter.  The manager had to take over.  Nice guy.  :)

jinga nation

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Re: Overheard on Facebook
« Reply #1305 on: December 08, 2014, 09:52:47 AM »
Guy on Facebook last week congratulating himself for being debt free for the first time in his adult life.

This week, test driving a 70k Audi.

That's not a bad thing. I do that routinely when I get the urge to buy a new/pre-owned/used car. Enjoy the test drive, then go home and have a good think about maintenance costs and get insurance quotes, then purge the damn idea. Rinse and repeat every month. My only debt is the mortgage which is adequately covered by the returns from my RE investments.
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frugalnacho

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Re: Overheard on Facebook
« Reply #1306 on: December 08, 2014, 11:03:02 AM »

No, getting shirts at the Gap is buying overpriced shirts.  The extra for TH (or whatever) is the gift card.  Don't you make your own shirts at home???

No, I wear grey shirts from walmart.  They are like $5 each.  My wife jokes that i'm a cartoon character.  What am I gonna wear today? How about a grey shirt and jeans?

$5??? All those nachos are making you fat, fatcat!  I get mine here: http://www.blankshirts.com/Hanes_5280.htm

Seriously, though, I've had those shirts for 6 years ... best value ever.  One or two have finally started to get small holes and fade.


*these may not be the exact model I have, but I'm pretty sure it's from that web site

I'm skeptical about buying shirts without trying them on first.   Plus the XXL shirts are $4.23, so i'm not really spending that much more money for my entire shirt wardrobe.  Plus they have front pockets I can use for my phone.  I like to listen to my phone when i'm on my bike, but I don't like using headphones (and blocking out ambient noise and cars), and I don't like using my pants pocket and getting an annoying doppler effect.

nereo

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Re: Overheard on Facebook
« Reply #1307 on: December 08, 2014, 11:37:22 AM »
I'd argue that you don't understand the mustachian ideals. It's not that work is unhealthy. It's UNCONSCIOUS decisions that are unhealthy, whether that's spending, working, paying for someone to do X. All of these have tradeoffs, and you should try to understand them as best you can. Want to buy a house? Try to understand what it's going to cost you (time, money, repairs, etc.). It's not one cookie cutter "you need to bike everywhere." It's more of a try to figure out what you're paying by driving everywhere instead of biking and decide if that's worth it.

Well, no, it IS all about riding the bike. MMM says it's not just a matter of deciding if riding a bike is worth it. You must ride a bike, all the time.

Here are some quotes from http://www.mrmoneymustache.com/2012/05/07/what-do-you-mean-you-dont-have-a-bike/:

But if I had to strip it down as far as possible, down to just one single action, and I wasnít allowed to talk about anything else, the choice would still be simple: ďRide a BikeĒ.

inside I could only scream ďWHAT THE HELL DO YOU MEAN YOU DONíT HAVE A BIKE!?!?!?ď

Itís time for this silliness to come to an end. You must ride a bike. We all must.

But no, biking is not just about the money.

itís even MORE than the money and the exercise.

A bike is really an automatic life balancing machine

Not biking because you donít have a bike is like letting the excrement pile up on your bathroom floor because ďI just havenít flushed the toilet recentlyĒ. JUST GET A DAMNED BIKE!! ITíS SO EASY!!!
While I applaud you for your bike-riding lifestyle and believe that our society in general would be better with more bike-riding and less car driving, I have to side with eyepod and say that I don't view MMM's blog as being all about biking.
For starters, MMM recently tried to clarify the blog's purpose to the mass-media by saying this:
Quote
Itís about using logic and science to design a Slightly Less Ridiculous Than Average Lifestyle in order to live more happily.
He mentions using logic and science to increase happiness.  Not Bikes.
Riding a bicycle can certainly be one way that people can make better decisions, but it isn't the only way.  Bicycling is just one of many ways to a means.  There's also plenty of emphasis on not buying luxury goods, cutting cable, living close to where you work, learning to DIY instead of paying contractors through the nose, maximizing savings, investing in index funds, eliminating debt and curbing spendy lifestyles.  All of this is done with the idea that by
Quote
"focusing on happiness itself, you can lead a much better life"
  Biking is just one small part of being mustachian, and not a requirement.

Also, (while I suspect this will fall on deaf ears), please, please, please understand that using a bike to get everywhere is not a practical option for tens-of-millions of Americans.  Over 50M americans live in rural areas, many of whom can't bike everywhere because of distance and safety.  Others aren't physically able ride.  Still others live urban lifestyles where they can walk just about everywhere (or take public transit)* The list goes on, but I strongly believe every one of these people can follow the 'spirit of mustachianism' even if they never own a bike.

*I have a bike, and I ride a bike, but mostly during the ~7 warmest months of the year.  I stow my bike away in the winter simply because I can get virtually everywhere I want to go on foot (including my job, the grocery store and the hardware store). I simply refuse to believe this makes me 'unmustachian' for 5 months out of the year.
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Re: Overheard on Facebook
« Reply #1308 on: December 08, 2014, 11:41:00 AM »
Friend posted this meme w comment, "Pretty much my motto :) ".
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Re: Overheard on Facebook
« Reply #1309 on: December 08, 2014, 11:59:33 AM »
So I posted to facebook that my job is looking for part time cashiers in the evenings and on Saturdays and if anybody's interested let me know. Almost immediately I get a reply in my inbox from an old high school friend of mine that she's interested. She lives almost an hour away. This is an easy peasy $9 an hour answer the phones and look pretty kind of gig and its for like 20 hours a week. She's going to burn up her pay in gas, tolls, and wear on her car. I'm not sure why she's even bothering.

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Re: Overheard on Facebook
« Reply #1310 on: December 08, 2014, 12:06:29 PM »
So I posted to facebook that my job is looking for part time cashiers in the evenings and on Saturdays and if anybody's interested let me know. Almost immediately I get a reply in my inbox from an old high school friend of mine that she's interested. She lives almost an hour away. This is an easy peasy $9 an hour answer the phones and look pretty kind of gig and its for like 20 hours a week. She's going to burn up her pay in gas, tolls, and wear on her car. I'm not sure why she's even bothering.
If she doesn't have a job I can understand the appeal.  Any work can be better than no work when you aren't FI, even if you spend (by my estimations) the first 1.5-2hrs each dshift paying for commuting costs. Perhaps she'd move closer?
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eyePod

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Re: Overheard on Facebook
« Reply #1311 on: December 08, 2014, 12:24:14 PM »
So I posted to facebook that my job is looking for part time cashiers in the evenings and on Saturdays and if anybody's interested let me know. Almost immediately I get a reply in my inbox from an old high school friend of mine that she's interested. She lives almost an hour away. This is an easy peasy $9 an hour answer the phones and look pretty kind of gig and its for like 20 hours a week. She's going to burn up her pay in gas, tolls, and wear on her car. I'm not sure why she's even bothering.
If she doesn't have a job I can understand the appeal.  Any work can be better than no work when you aren't FI, even if you spend (by my estimations) the first 1.5-2hrs each dshift paying for commuting costs. Perhaps she'd move closer?

So she makes $12 after tax per day? Yikes.
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Re: Overheard on Facebook
« Reply #1312 on: December 08, 2014, 01:06:19 PM »
Ran into a casual acquaintance this weekend. Since we pretty much only know each other as friend of a friend I don't know much of what's going on in their life. I did remember they had housewarming a few months ago with a 60+ people list to which we were invited but didn't go. Anyway. I go on to attempt conversation and I mention oh must be exciting settling into your first house, etc.

Her response is like oh yeah its a lot of work. Not too long ago I realized I have nothing set aside in case something major went wrong so I took switched to a better paying job. Its in xxxx (a city 100+ miles away) so I'm renting a room from someone down there. I stay down there all week then come back to work and stay in my house on the weekends. Its tough, but the better paying job is helping me pay down my credit card debt too!

I was speechless but think I managed to pull off a... Oh that's great! Congrats lets hang out soon....

Sadly, I'm envious of people like this. Not a care in the world and 95% of the time everything works out. Its just not fair that I have to worry and work so hard to plan my future. I want to buy a house but I think they're way overpriced and are nearing another bubble (that probably won't burst for a few years). Its people that are then buying houses out of their means and stupid government programs that are inflating the price for people like me who want to do it the right way...

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Re: Overheard on Facebook
« Reply #1313 on: December 08, 2014, 01:53:05 PM »
Ran into a casual acquaintance this weekend. Since we pretty much only know each other as friend of a friend I don't know much of what's going on in their life. I did remember they had housewarming a few months ago with a 60+ people list to which we were invited but didn't go. Anyway. I go on to attempt conversation and I mention oh must be exciting settling into your first house, etc.

Her response is like oh yeah its a lot of work. Not too long ago I realized I have nothing set aside in case something major went wrong so I took switched to a better paying job. Its in xxxx (a city 100+ miles away) so I'm renting a room from someone down there. I stay down there all week then come back to work and stay in my house on the weekends. Its tough, but the better paying job is helping me pay down my credit card debt too!

I was speechless but think I managed to pull off a... Oh that's great! Congrats lets hang out soon....

Sadly, I'm envious of people like this. Not a care in the world and 95% of the time everything works out. Its just not fair that I have to worry and work so hard to plan my future. I want to buy a house but I think they're way overpriced and are nearing another bubble (that probably won't burst for a few years). Its people that are then buying houses out of their means and stupid government programs that are inflating the price for people like me who want to do it the right way...

Sounds like your friend has a lot of worry to me - mortgage on a house that she barely even sees, rent, and a fair amount of credit card debt.

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Re: Overheard on Facebook
« Reply #1314 on: December 08, 2014, 04:53:50 PM »
I'd argue that you don't understand the mustachian ideals. It's not that work is unhealthy. It's UNCONSCIOUS decisions that are unhealthy, whether that's spending, working, paying for someone to do X. All of these have tradeoffs, and you should try to understand them as best you can. Want to buy a house? Try to understand what it's going to cost you (time, money, repairs, etc.). It's not one cookie cutter "you need to bike everywhere." It's more of a try to figure out what you're paying by driving everywhere instead of biking and decide if that's worth it.

Well, no, it IS all about riding the bike. MMM says it's not just a matter of deciding if riding a bike is worth it. You must ride a bike, all the time.

Here are some quotes from http://www.mrmoneymustache.com/2012/05/07/what-do-you-mean-you-dont-have-a-bike/:

But if I had to strip it down as far as possible, down to just one single action, and I wasnít allowed to talk about anything else, the choice would still be simple: ďRide a BikeĒ.

inside I could only scream ďWHAT THE HELL DO YOU MEAN YOU DONíT HAVE A BIKE!?!?!?ď

Itís time for this silliness to come to an end. You must ride a bike. We all must.

But no, biking is not just about the money.

itís even MORE than the money and the exercise.

A bike is really an automatic life balancing machine

Not biking because you donít have a bike is like letting the excrement pile up on your bathroom floor because ďI just havenít flushed the toilet recentlyĒ. JUST GET A DAMNED BIKE!! ITíS SO EASY!!!
While I applaud you for your bike-riding lifestyle and believe that our society in general would be better with more bike-riding and less car driving, I have to side with eyepod and say that I don't view MMM's blog as being all about biking.
For starters, MMM recently tried to clarify the blog's purpose to the mass-media by saying this:
Quote
Itís about using logic and science to design a Slightly Less Ridiculous Than Average Lifestyle in order to live more happily.
He mentions using logic and science to increase happiness.  Not Bikes.
Riding a bicycle can certainly be one way that people can make better decisions, but it isn't the only way.  Bicycling is just one of many ways to a means.  There's also plenty of emphasis on not buying luxury goods, cutting cable, living close to where you work, learning to DIY instead of paying contractors through the nose, maximizing savings, investing in index funds, eliminating debt and curbing spendy lifestyles.  All of this is done with the idea that by
Quote
"focusing on happiness itself, you can lead a much better life"
  Biking is just one small part of being mustachian, and not a requirement.

Also, (while I suspect this will fall on deaf ears), please, please, please understand that using a bike to get everywhere is not a practical option for tens-of-millions of Americans.  Over 50M americans live in rural areas, many of whom can't bike everywhere because of distance and safety.  Others aren't physically able ride.  Still others live urban lifestyles where they can walk just about everywhere (or take public transit)* The list goes on, but I strongly believe every one of these people can follow the 'spirit of mustachianism' even if they never own a bike.

*I have a bike, and I ride a bike, but mostly during the ~7 warmest months of the year.  I stow my bike away in the winter simply because I can get virtually everywhere I want to go on foot (including my job, the grocery store and the hardware store). I simply refuse to believe this makes me 'unmustachian' for 5 months out of the year.

+1

I also think the costs, financial and otherwise, as well as the difficulties of switching to a bike based life are often minimized or dismissed here.
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Re: Overheard on Facebook
« Reply #1315 on: December 08, 2014, 05:35:51 PM »
Quote
Also, (while I suspect this will fall on deaf ears), please, please, please understand that using a bike to get everywhere is not a practical option for tens-of-millions of Americans.  Over 50M americans live in rural areas, many of whom can't bike everywhere because of distance and safety. 

Yes, this is how it is where I grew up.  I could walk and ride bikes for fun now and then, but people drive on the rural roads at 55-65 mph, just not safe for a 15-25 mile commute.  Definitely a pickup culture.  The people who DO ride their bikes drive to a designated bike path to do so.

And then there are the unleashed dogs.

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Re: Overheard on Facebook
« Reply #1316 on: December 08, 2014, 05:40:04 PM »

No, getting shirts at the Gap is buying overpriced shirts.  The extra for TH (or whatever) is the gift card.  Don't you make your own shirts at home???

No, I wear grey shirts from walmart.  They are like $5 each.  My wife jokes that i'm a cartoon character.  What am I gonna wear today? How about a grey shirt and jeans?

$5??? All those nachos are making you fat, fatcat!  I get mine here: http://www.blankshirts.com/Hanes_5280.htm

Seriously, though, I've had those shirts for 6 years ... best value ever.  One or two have finally started to get small holes and fade.


*these may not be the exact model I have, but I'm pretty sure it's from that web site

I'm skeptical about buying shirts without trying them on first.   Plus the XXL shirts are $4.23, so i'm not really spending that much more money for my entire shirt wardrobe.  Plus they have front pockets I can use for my phone.  I like to listen to my phone when i'm on my bike, but I don't like using headphones (and blocking out ambient noise and cars), and I don't like using my pants pocket and getting an annoying doppler effect.

But nacho that site dragoncar linked has 3 different shades of gray available!  Hmmm, ash, light steel, or smoke?  You are paying an extra 77 cents for a pocket?  Sheesh, I sure hope that Walmart at least has shades of gray choices to go with that pocket.

AH013

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Re: Overheard on Facebook
« Reply #1317 on: December 08, 2014, 06:26:15 PM »
Not really heard on facebook, but a story told by my uncle at thanksgiving:

Neighbor of his calls out of the blue recently to ask how long my uncle's toilet tanks take to refill. My uncle has no idea. So the neighbor comes over to time them for comparison purposes. Apparently the neighbor's tanks take 60 seconds, and this is unacceptably slow.

Turns out my uncle's tanks take 60 seconds, too. This does not mollify the neighbor. He goes out and buys all new toilets, at a cost of $700 each, to cut the time down to 40 seconds.

I'm guessing he came across a #2 that needed to be removed ASAP...and couldn't get it to go away because the tank was still filling....and never wanted to be in that situation ever again.

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Re: Overheard on Facebook
« Reply #1318 on: December 08, 2014, 06:49:17 PM »
Read today on FB: My friends are generally not an issue, but I am on a couple of message boards.  This one...just made me shake my head:

"I am asking for everyone's help as a lot of you may know recently there was a power outage due to a lightening strike that caused major loss to several families on the block, including us.  We lost our OVEN / MICROWAVE / 2 X- BOXES / STEREO SYSTEM / ALL THREE HOME PHONES / AND THREE FLAT SCREEN TV'S !! Due to our situation we can't afford to buy what we lost. Electric company won't replace without receipts, and not even full amount!  So if you have any of the items above that you wish to donate or sell at reasonable price please help"

 
I can understand the micro and oven.

But the rest? I have one home phone and one TV.

This happened to my MIL.  After a huge fight with the power company, she was able to get reimbursed.  Although she was only seeking [eta: reimbursement for] a box TV I think.  Tell your friend to spend her time fighting the electric company and for any warranties and such instead.

Homeowners/renters insurance should pay for damage caused by electrical surges, less the deductible.

What happened to common sense of plugging valuable electronics into these <$5 items called "surge protectors"...that, you know, protect sensitive electronics from power surges?  My electric utility hands out 2 heavy duty smart ones (the kind that turn off other electronics if the master outlet stops drawing power) for free to anyone doing a free home energy audit.

Honestly, you spend $200 on a video game console, probably another $200 on a TV, another $200 on a stereo, etc. but are too cheap to plug $600+ of devices into a $4.99 device to protect against power surges blowing out those valuable electronics?  It just blows my mind.

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Re: Overheard on Facebook
« Reply #1319 on: December 08, 2014, 08:40:27 PM »
So I posted to facebook that my job is looking for part time cashiers in the evenings and on Saturdays and if anybody's interested let me know. Almost immediately I get a reply in my inbox from an old high school friend of mine that she's interested. She lives almost an hour away. This is an easy peasy $9 an hour answer the phones and look pretty kind of gig and its for like 20 hours a week. She's going to burn up her pay in gas, tolls, and wear on her car. I'm not sure why she's even bothering.
If she doesn't have a job I can understand the appeal.  Any work can be better than no work when you aren't FI, even if you spend (by my estimations) the first 1.5-2hrs each dshift paying for commuting costs. Perhaps she'd move closer?

So she makes $12 after tax per day? Yikes.

She's not going to move. Her and her fiance specially bought a place near his job, its his dad's company that he's going to take over when the dad retires. Given that she should probably scout closer to home.

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Re: Overheard on Facebook
« Reply #1320 on: December 09, 2014, 06:31:33 AM »
Read today on FB: My friends are generally not an issue, but I am on a couple of message boards.  This one...just made me shake my head:

"I am asking for everyone's help as a lot of you may know recently there was a power outage due to a lightening strike that caused major loss to several families on the block, including us.  We lost our OVEN / MICROWAVE / 2 X- BOXES / STEREO SYSTEM / ALL THREE HOME PHONES / AND THREE FLAT SCREEN TV'S !! Due to our situation we can't afford to buy what we lost. Electric company won't replace without receipts, and not even full amount!  So if you have any of the items above that you wish to donate or sell at reasonable price please help"

 
I can understand the micro and oven.

But the rest? I have one home phone and one TV.

This happened to my MIL.  After a huge fight with the power company, she was able to get reimbursed.  Although she was only seeking [eta: reimbursement for] a box TV I think.  Tell your friend to spend her time fighting the electric company and for any warranties and such instead.

Homeowners/renters insurance should pay for damage caused by electrical surges, less the deductible.

What happened to common sense of plugging valuable electronics into these <$5 items called "surge protectors"...that, you know, protect sensitive electronics from power surges?  My electric utility hands out 2 heavy duty smart ones (the kind that turn off other electronics if the master outlet stops drawing power) for free to anyone doing a free home energy audit.

Honestly, you spend $200 on a video game console, probably another $200 on a TV, another $200 on a stereo, etc. but are too cheap to plug $600+ of devices into a $4.99 device to protect against power surges blowing out those valuable electronics?  It just blows my mind.

In 2014 why are we not building these surge protectors into the outlet itself?  Just a random thought.

eyePod

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Re: Overheard on Facebook
« Reply #1321 on: December 09, 2014, 07:03:07 AM »
I'd argue that you don't understand the mustachian ideals. It's not that work is unhealthy. It's UNCONSCIOUS decisions that are unhealthy, whether that's spending, working, paying for someone to do X. All of these have tradeoffs, and you should try to understand them as best you can. Want to buy a house? Try to understand what it's going to cost you (time, money, repairs, etc.). It's not one cookie cutter "you need to bike everywhere." It's more of a try to figure out what you're paying by driving everywhere instead of biking and decide if that's worth it.

Well, no, it IS all about riding the bike. MMM says it's not just a matter of deciding if riding a bike is worth it. You must ride a bike, all the time.

Here are some quotes from http://www.mrmoneymustache.com/2012/05/07/what-do-you-mean-you-dont-have-a-bike/:

But if I had to strip it down as far as possible, down to just one single action, and I wasnít allowed to talk about anything else, the choice would still be simple: ďRide a BikeĒ.

inside I could only scream ďWHAT THE HELL DO YOU MEAN YOU DONíT HAVE A BIKE!?!?!?ď

Itís time for this silliness to come to an end. You must ride a bike. We all must.

But no, biking is not just about the money.

itís even MORE than the money and the exercise.

A bike is really an automatic life balancing machine

Not biking because you donít have a bike is like letting the excrement pile up on your bathroom floor because ďI just havenít flushed the toilet recentlyĒ. JUST GET A DAMNED BIKE!! ITíS SO EASY!!!
While I applaud you for your bike-riding lifestyle and believe that our society in general would be better with more bike-riding and less car driving, I have to side with eyepod and say that I don't view MMM's blog as being all about biking.
For starters, MMM recently tried to clarify the blog's purpose to the mass-media by saying this:
Quote
Itís about using logic and science to design a Slightly Less Ridiculous Than Average Lifestyle in order to live more happily.
He mentions using logic and science to increase happiness.  Not Bikes.
Riding a bicycle can certainly be one way that people can make better decisions, but it isn't the only way.  Bicycling is just one of many ways to a means.  There's also plenty of emphasis on not buying luxury goods, cutting cable, living close to where you work, learning to DIY instead of paying contractors through the nose, maximizing savings, investing in index funds, eliminating debt and curbing spendy lifestyles.  All of this is done with the idea that by
Quote
"focusing on happiness itself, you can lead a much better life"
  Biking is just one small part of being mustachian, and not a requirement.

Also, (while I suspect this will fall on deaf ears), please, please, please understand that using a bike to get everywhere is not a practical option for tens-of-millions of Americans.  Over 50M americans live in rural areas, many of whom can't bike everywhere because of distance and safety.  Others aren't physically able ride.  Still others live urban lifestyles where they can walk just about everywhere (or take public transit)* The list goes on, but I strongly believe every one of these people can follow the 'spirit of mustachianism' even if they never own a bike.

*I have a bike, and I ride a bike, but mostly during the ~7 warmest months of the year.  I stow my bike away in the winter simply because I can get virtually everywhere I want to go on foot (including my job, the grocery store and the hardware store). I simply refuse to believe this makes me 'unmustachian' for 5 months out of the year.

+1

I also think the costs, financial and otherwise, as well as the difficulties of switching to a bike based life are often minimized or dismissed here.

I think the time aspect is the biggest one that's ignored. Biking everywhere takes a lot longer, and when I'm stuck in my golden cage, time is at a premium. It's just amazing how money really does give you freedom if you don't spend it. Seems counter-intuitive since we're always taught to spend spend spend.
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Re: Overheard on Facebook
« Reply #1322 on: December 09, 2014, 08:41:45 AM »
Read today on FB: My friends are generally not an issue, but I am on a couple of message boards.  This one...just made me shake my head:

"I am asking for everyone's help as a lot of you may know recently there was a power outage due to a lightening strike that caused major loss to several families on the block, including us.  We lost our OVEN / MICROWAVE / 2 X- BOXES / STEREO SYSTEM / ALL THREE HOME PHONES / AND THREE FLAT SCREEN TV'S !! Due to our situation we can't afford to buy what we lost. Electric company won't replace without receipts, and not even full amount!  So if you have any of the items above that you wish to donate or sell at reasonable price please help"

 
I can understand the micro and oven.

But the rest? I have one home phone and one TV.

This happened to my MIL.  After a huge fight with the power company, she was able to get reimbursed.  Although she was only seeking [eta: reimbursement for] a box TV I think.  Tell your friend to spend her time fighting the electric company and for any warranties and such instead.

Homeowners/renters insurance should pay for damage caused by electrical surges, less the deductible.

What happened to common sense of plugging valuable electronics into these <$5 items called "surge protectors"...that, you know, protect sensitive electronics from power surges?  My electric utility hands out 2 heavy duty smart ones (the kind that turn off other electronics if the master outlet stops drawing power) for free to anyone doing a free home energy audit.

Honestly, you spend $200 on a video game console, probably another $200 on a TV, another $200 on a stereo, etc. but are too cheap to plug $600+ of devices into a $4.99 device to protect against power surges blowing out those valuable electronics?  It just blows my mind.

In 2014 why are we not building these surge protectors into the outlet itself?  Just a random thought.

Surge protectors are somewhat of a "maintenance item."  They don't last forever -- every spike they prevent degrades them.  At least that's what I learned about them a decade ago, maybe things have changed. 

People don't generally want to have to change their outlets every few years.  It's probably possible to have a replaceable surge cartridge, but I haven't even seen these on the power strips, so it would probably be pretty expensive.

There are also whole house surge protectors, but I don't think that can protect against local spikes, and it's still expensive.

Anyways, I doubt any $5 surge protector is gonna save your equipment from lightning.

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Re: Overheard on Facebook
« Reply #1323 on: December 09, 2014, 08:51:15 AM »
Read today on FB: My friends are generally not an issue, but I am on a couple of message boards.  This one...just made me shake my head:

"I am asking for everyone's help as a lot of you may know recently there was a power outage due to a lightening strike that caused major loss to several families on the block, including us.  We lost our OVEN / MICROWAVE / 2 X- BOXES / STEREO SYSTEM / ALL THREE HOME PHONES / AND THREE FLAT SCREEN TV'S !! Due to our situation we can't afford to buy what we lost. Electric company won't replace without receipts, and not even full amount!  So if you have any of the items above that you wish to donate or sell at reasonable price please help"

 
I can understand the micro and oven.

But the rest? I have one home phone and one TV.

This happened to my MIL.  After a huge fight with the power company, she was able to get reimbursed.  Although she was only seeking [eta: reimbursement for] a box TV I think.  Tell your friend to spend her time fighting the electric company and for any warranties and such instead.

Homeowners/renters insurance should pay for damage caused by electrical surges, less the deductible.

What happened to common sense of plugging valuable electronics into these <$5 items called "surge protectors"...that, you know, protect sensitive electronics from power surges?  My electric utility hands out 2 heavy duty smart ones (the kind that turn off other electronics if the master outlet stops drawing power) for free to anyone doing a free home energy audit.

Honestly, you spend $200 on a video game console, probably another $200 on a TV, another $200 on a stereo, etc. but are too cheap to plug $600+ of devices into a $4.99 device to protect against power surges blowing out those valuable electronics?  It just blows my mind.

In 2014 why are we not building these surge protectors into the outlet itself?  Just a random thought.

Surge protectors are somewhat of a "maintenance item."  They don't last forever -- every spike they prevent degrades them.  At least that's what I learned about them a decade ago, maybe things have changed. 

People don't generally want to have to change their outlets every few years.  It's probably possible to have a replaceable surge cartridge, but I haven't even seen these on the power strips, so it would probably be pretty expensive.

There are also whole house surge protectors, but I don't think that can protect against local spikes, and it's still expensive.

Anyways, I doubt any $5 surge protector is gonna save your equipment from lightning.

Also most of my electronics don't require surge protection.  What do I care if my lamp surges? Or my alarm clock? Or my radio?  It's not going to damage those, and even if it does so what?  I have my tv and my computer on surge protectors.

Joggernot

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Re: Overheard on Facebook
« Reply #1324 on: December 09, 2014, 01:32:09 PM »
Whole house surge protectors are inexpensive.  The expense comes from having an electrician splice it into your incoming line.

I have now moved to UPSs with surge protection to protect phone, computer, TV, and other electronics.  Reason: we lost a computer when lightning bypassed the surge protector and came in through the phone line to the modem (yeah it was a while ago) and burned the circuits.  We've also lost TVs from lightning.  We've also lost two UPSs from lightning, but no electronics.  The UPSs were replaced after calling the manufacturer and sending them in on warranty at their expense.  These have been worth the initial $60 or so dollars to buy.  We also have periodic power losses so the UPS allows us to save and turn off before losing everything...again.

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Re: Overheard on Facebook
« Reply #1325 on: December 13, 2014, 03:18:42 PM »
Another option is to unplug your electronics. A little inconvenient  but typically works. Books and board games can help you pass the time until you can plug back in to the grid. On a side note how is it the power company's fault ? Why should they be liable?
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Joggernot

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Re: Overheard on Facebook
« Reply #1326 on: December 13, 2014, 04:25:59 PM »
Another option is to unplug your electronics. A little inconvenient  but typically works. Books and board games can help you pass the time until you can plug back in to the grid. On a side note how is it the power company's fault ? Why should they be liable?
Ok, I missed it.  Where did I mention the power company?  The UPS warranty was used and the UPS manufacturer replaced the unit.

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Re: Overheard on Facebook
« Reply #1327 on: December 13, 2014, 10:25:29 PM »
Saw this on Facebook this morning:

Quote
When you have a spending target, you find the perfect item and it's the exact target... Then it scans $20 less at the register. First world Christmas shopping problems.

I hate it when I spend too little as well!

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Re: Overheard on Facebook
« Reply #1328 on: December 14, 2014, 07:00:33 AM »
Maybe it was for a gift exchange with a range? I know always  have a hard time  finding something  appropriate in the range for those and also  don't want to cheap out.
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Hedge_87

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Re: Overheard on Facebook
« Reply #1329 on: December 14, 2014, 10:56:00 AM »
Another option is to unplug your electronics. A little inconvenient  but typically works. Books and board games can help you pass the time until you can plug back in to the grid. On a side note how is it the power company's fault ? Why should they be liable?
Ok, I missed it.  Where did I mention the power company?  The UPS warranty was used and the UPS manufacturer replaced the unit.

The original post says, "electric company won't replace with out receipts and not even the full amount. Sorry for any confusion.
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Re: Overheard on Facebook
« Reply #1330 on: December 14, 2014, 05:19:44 PM »
Maybe it was for a gift exchange with a range? I know always  have a hard time  finding something  appropriate in the range for those and also  don't want to cheap out.

If it's scanning at $20 less than the list price, that's one expensive exchange! The two exchanges I'm in all have an (admittedly soft) limit of $10, or half the 'savings' on that one item!

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Re: Overheard on Facebook
« Reply #1331 on: December 14, 2014, 05:25:32 PM »
Not shameworthy, but I did see a facebook conversation about people 'saving' so much buying Chtistmas presents at Target and how much they love their red card.  It made me smile since I'm a shareholder.

Although I did see someone use the term "retail therapy" in a seemingly serious manner the other day.  Ew.

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Re: Overheard on Facebook
« Reply #1332 on: December 15, 2014, 06:51:49 AM »
Read today on FB: My friends are generally not an issue, but I am on a couple of message boards.  This one...just made me shake my head:

"I am asking for everyone's help as a lot of you may know recently there was a power outage due to a lightening strike that caused major loss to several families on the block, including us.  We lost our OVEN / MICROWAVE / 2 X- BOXES / STEREO SYSTEM / ALL THREE HOME PHONES / AND THREE FLAT SCREEN TV'S !! Due to our situation we can't afford to buy what we lost. Electric company won't replace without receipts, and not even full amount!  So if you have any of the items above that you wish to donate or sell at reasonable price please help"

 
I can understand the micro and oven.

But the rest? I have one home phone and one TV.

This happened to my MIL.  After a huge fight with the power company, she was able to get reimbursed.  Although she was only seeking [eta: reimbursement for] a box TV I think.  Tell your friend to spend her time fighting the electric company and for any warranties and such instead.

Homeowners/renters insurance should pay for damage caused by electrical surges, less the deductible.

What happened to common sense of plugging valuable electronics into these <$5 items called "surge protectors"...that, you know, protect sensitive electronics from power surges?  My electric utility hands out 2 heavy duty smart ones (the kind that turn off other electronics if the master outlet stops drawing power) for free to anyone doing a free home energy audit.

Honestly, you spend $200 on a video game console, probably another $200 on a TV, another $200 on a stereo, etc. but are too cheap to plug $600+ of devices into a $4.99 device to protect against power surges blowing out those valuable electronics?  It just blows my mind.

Asked my husband abt what happened to his mom (it was pre-me) re reimbursement for her tv. I had it wrong, not lightning. Her town did work on the wires and when they reconnected them, plugged the residential line for the street back into the industrial power.  Big oops.   Obviously, none of the houses could handle it and things blew up. I don't know if she had one (or many, for everything plugged in), but I doubt a surge protector would have helped a continuous surge.  Despite this obvious negligence, it was quite a fight to get any money out of them.

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Re: Overheard on Facebook
« Reply #1333 on: December 15, 2014, 11:56:36 AM »
I see this post from someone I barely knew in college today:

"To the really concerned people out there...I'm expressing myself in a way most people don't, I'm not gonna harm myself or do anything crazy, I'm just angry and sad at mistakes I have made and things I can't fix. I feel like everybody cares about themselves. Nobody wants to give me a chance for work and won't hire me. I can't go back to school cause I don't have money or the time cause I have to work. To pay bills I can't even afford to pay! I'm 31 years old living at home with a wonderful husband and the best parents, but we have to live together cause both parties can't afford to move, I have a 97 Toyota that's about to shit the bed, I pray everyday it doesn't brake down cause I have 50 bucks in a savings account. I owe 20 thousand dollars to just my school bill, 8000 dollars to a credit card that I had no choice to use when I got out of college to buy food and clothes and medical bills. ..... "
I scroll down on her wall and see this post (with picture that is NOT posted here):

"My husband so happy about his Black Friday TV!!!" Picture is of said husband hugging a 60" TV.

...unbelievable...
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Knapptyme

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Re: Overheard on Facebook
« Reply #1334 on: December 15, 2014, 12:14:07 PM »
I see this post from someone I barely knew in college today:

"To the really concerned people out there...I'm expressing myself in a way most people don't, I'm not gonna harm myself or do anything crazy, I'm just angry and sad at mistakes I have made and things I can't fix. I feel like everybody cares about themselves. Nobody wants to give me a chance for work and won't hire me. I can't go back to school cause I don't have money or the time cause I have to work. To pay bills I can't even afford to pay! I'm 31 years old living at home with a wonderful husband and the best parents, but we have to live together cause both parties can't afford to move, I have a 97 Toyota that's about to shit the bed, I pray everyday it doesn't brake down cause I have 50 bucks in a savings account. I owe 20 thousand dollars to just my school bill, 8000 dollars to a credit card that I had no choice to use when I got out of college to buy food and clothes and medical bills. ..... "
I scroll down on her wall and see this post (with picture that is NOT posted here):

"My husband so happy about his Black Friday TV!!!" Picture is of said husband hugging a 60" TV.

...unbelievable...

Wow, that reeks of classic Sucka Consumer.

eyePod

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Re: Overheard on Facebook
« Reply #1335 on: December 15, 2014, 12:47:37 PM »
I see this post from someone I barely knew in college today:

"To the really concerned people out there...I'm expressing myself in a way most people don't, I'm not gonna harm myself or do anything crazy, I'm just angry and sad at mistakes I have made and things I can't fix. I feel like everybody cares about themselves. Nobody wants to give me a chance for work and won't hire me. I can't go back to school cause I don't have money or the time cause I have to work. To pay bills I can't even afford to pay! I'm 31 years old living at home with a wonderful husband and the best parents, but we have to live together cause both parties can't afford to move, I have a 97 Toyota that's about to shit the bed, I pray everyday it doesn't brake down cause I have 50 bucks in a savings account. I owe 20 thousand dollars to just my school bill, 8000 dollars to a credit card that I had no choice to use when I got out of college to buy food and clothes and medical bills. ..... "
I scroll down on her wall and see this post (with picture that is NOT posted here):

"My husband so happy about his Black Friday TV!!!" Picture is of said husband hugging a 60" TV.

...unbelievable...

Ah, the good old "unfriend" button does wonders. FB has been notifying me of all of these people's birthdays. I use that as a time to really think about whether I want that person to know about what we're doing in life. Most of the time, I don't!
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Gin1984

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Re: Overheard on Facebook
« Reply #1336 on: December 21, 2014, 08:02:14 AM »
An old acquaintance posted that her mother was visiting from out of town and "needs" Kangen water. I had to look it up--it's some scammy MLM where you buy a $1200-$4000 water ionizer that increases the alkalinity of the water, or some such. All that is bad enough, but I just shook my head at the idea that someone couldn't bear to drink regular tap (or even bottled) water for a week and instead asked her daughter to track down (during the holidays no less) someone local who has the ionizer.
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Re: Overheard on Facebook
« Reply #1337 on: December 22, 2014, 11:15:14 AM »
Maybe it was for a gift exchange with a range? I know always  have a hard time  finding something  appropriate in the range for those and also  don't want to cheap out.

If it's scanning at $20 less than the list price, that's one expensive exchange! The two exchanges I'm in all have an (admittedly soft) limit of $10, or half the 'savings' on that one item!

I assume it was more of a "I'm spending X on each kid" sort of target.

I had that target for all my Christmas presents, but if I found it on sale, I didn't  go buy something else to make up the amount. The list price of the gifts I bought was about $25 per kid, so everything was equal. They don't  get to know what I actually paid.

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Re: Overheard on Facebook
« Reply #1338 on: December 22, 2014, 01:21:27 PM »

If a girl received flowers (like a bouquet, not just a single flower) while I was working with them, I'd immediately wonder what the guy did wrong (terrible first thought, but it's true).
 
When my SO and I first started dating, he left a super pretty flower on the windshield of my car while I was working. The only person who noticed was me, after driving halfway down the street without noticing it, haha.

I'd assume it was her birthday. That's the only time I've seen it.



My husband has never sent me a bouquet of flowers, like others here, I just see money wasted. When we dated, I'd sometimes get one or two cut roses, but even that was rare. My parents have sent me flowers a few times, and I really appreciate the thought, but I hate the waste of money, especially on delivered flowers!  (I THINK I've finally talked my mother out of sending me cards for my birthday and anniversary. Greeting cards are like $3-4 each now. That's ridiculous.)

All this reminded me of an Aunt I had. We got $15 from her each Christmas, but we always visited her on New Years. If we'd let her hand us the check on New Years, instead of mail it down, she would add 25 cents to it.  I guess that was lazy, since it didn't save her money, but I always wanted my extra 25 cents, a lot of my cousins wanted the money on Christmas (so they had day after Christmas shopping money).

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Re: Overheard on Facebook
« Reply #1339 on: December 22, 2014, 06:02:59 PM »
Someone I know on facebook posted a link to http://www.businessinsider.com/compound-interest-retirement-savings-2014-12 with the comment:

Quote
This is the stupidest thing I've read all day. All my 25-year-old friends know the basic concepts of compound interest, investment, etc. We're not doing it because we don't have a spare $5000 a year!

OK, moderately complainypants, but here's the kicker: later in the comments section, same person:
Quote
It just infuriates me that when so many of my friends and colleagues I know are living basically paycheck to paycheck, or on a kind of budget where your monthly savings get blown when you have to buy a new coat or something necessary, this article took the attitude that the reason we aren't saving is that we don't know we should! I can't believe some people actually think we don't know we're supposed to save!

Blowing your monthly savings on a "necessary" new coat?

robotclown

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Re: Overheard on Facebook
« Reply #1340 on: December 22, 2014, 06:11:36 PM »
Blowing your monthly savings on a "necessary" new coat?

Coats are totally necessary!  Why, just last winter I had to retire my coat that I bought 10 years ago.  And the new one cost 35 dollars!  Obviously, I couldn't save anything that month.

Hedge_87

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Re: Overheard on Facebook
« Reply #1341 on: December 22, 2014, 06:38:31 PM »
I couldn't imagine spending my monthly savings $$$ on a new coat. It would have to be one amazing coat lol.
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Re: Overheard on Facebook
« Reply #1342 on: December 22, 2014, 06:47:08 PM »
I couldn't imagine spending my monthly savings $$$ on a new coat. It would have to be one amazing coat lol.

A technicolor raincoat?

BlueHouse

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Re: Overheard on Facebook
« Reply #1343 on: December 22, 2014, 07:37:41 PM »
Quote
If a girl received flowers (like a bouquet, not just a single flower) while I was working with them, I'd immediately wonder what the guy did wrong (terrible first thought, but it's true).
 
When my SO and I first started dating, he left a super pretty flower on the windshield of my car while I was working. The only person who noticed was me, after driving halfway down the street without noticing it, haha.

I went on a date once and the guy showed up with a bouquet.  I thought he was trying too hard, until I looked beyond the paper wrapping and realized it was a head of broccoli that he had wrapped up to look like a bouquet.  He was a fun date.
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Rezdent

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Re: Overheard on Facebook
« Reply #1344 on: December 22, 2014, 08:10:53 PM »
Quote
If a girl received flowers (like a bouquet, not just a single flower) while I was working with them, I'd immediately wonder what the guy did wrong (terrible first thought, but it's true).
 
When my SO and I first started dating, he left a super pretty flower on the windshield of my car while I was working. The only person who noticed was me, after driving halfway down the street without noticing it, haha.

I went on a date once and the guy showed up with a bouquet.  I thought he was trying too hard, until I looked beyond the paper wrapping and realized it was a head of broccoli that he had wrapped up to look like a bouquet.  He was a fun date.
Broccoli?
What a unique offering!
I'm jealous now.

Jags4186

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Re: Overheard on Facebook
« Reply #1345 on: December 23, 2014, 11:43:56 AM »
A Facebook friend got engaged...a whole bunch of pictures were shown of him giving her the ring:

OP. "My 'omg I'm going to cry' face!"

Friend's comment: "Did [he] cry too? It looks like he's about to cry!"

OP:  "Of course he cried!  Every time he looks at the ring he cries!  Poor kid now has a lifetime of debt. But he got me so it was worth it!"

dude

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Re: Overheard on Facebook
« Reply #1346 on: December 23, 2014, 12:21:44 PM »
A Facebook friend got engaged...a whole bunch of pictures were shown of him giving her the ring:

OP. "My 'omg I'm going to cry' face!"

Friend's comment: "Did [he] cry too? It looks like he's about to cry!"

OP:  "Of course he cried!  Every time he looks at the ring he cries!  Poor kid now has a lifetime of debt. But he got me so it was worth it!"

HA!  As one who years ago took out a 5-figure personal loan to buy an engagement ring, I can empathize a bit.  Thankfully, my financial decisions since then have been far more sound!  But God, that was dumb of me.  I'd sell that fucker in a heartbeat if I could convince the wife.

gimp

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Re: Overheard on Facebook
« Reply #1347 on: December 23, 2014, 01:22:47 PM »
A Facebook friend got engaged...a whole bunch of pictures were shown of him giving her the ring:

OP. "My 'omg I'm going to cry' face!"

Friend's comment: "Did [he] cry too? It looks like he's about to cry!"

OP:  "Of course he cried!  Every time he looks at the ring he cries!  Poor kid now has a lifetime of debt. But he got me so it was worth it!"

That sounds like she's very... aware. You know?

attica

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Re: Overheard on Facebook
« Reply #1348 on: December 23, 2014, 01:58:19 PM »
A Facebook friend got engaged...a whole bunch of pictures were shown of him giving her the ring:

OP. "My 'omg I'm going to cry' face!"

Friend's comment: "Did [he] cry too? It looks like he's about to cry!"

OP:  "Of course he cried!  Every time he looks at the ring he cries!  Poor kid now has a lifetime of debt. But he got me so it was worth it!"

HA!  As one who years ago took out a 5-figure personal loan to buy an engagement ring, I can empathize a bit.  Thankfully, my financial decisions since then have been far more sound!  But God, that was dumb of me.  I'd sell that fucker in a heartbeat if I could convince the wife.

Life time of debt? How the hell much did he spend? Meanwhile when we had the getting married discussion I told my boyfriend my mom would probably give him her engagement ring to give me if he asked. He stood up and went 'Woohoo!"

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Re: Overheard on Facebook
« Reply #1349 on: December 23, 2014, 02:44:38 PM »
A Facebook friend got engaged...a whole bunch of pictures were shown of him giving her the ring:

OP. "My 'omg I'm going to cry' face!"

Friend's comment: "Did [he] cry too? It looks like he's about to cry!"

OP:  "Of course he cried!  Every time he looks at the ring he cries!  Poor kid now has a lifetime of debt. But he got me so it was worth it!"

HA!  As one who years ago took out a 5-figure personal loan to buy an engagement ring, I can empathize a bit.  Thankfully, my financial decisions since then have been far more sound!  But God, that was dumb of me.  I'd sell that fucker in a heartbeat if I could convince the wife.

Life time of debt? How the hell much did he spend? Meanwhile when we had the getting married discussion I told my boyfriend my mom would probably give him her engagement ring to give me if he asked. He stood up and went 'Woohoo!"

Facebook kids be exaggeration', yo!