Author Topic: Overheard on Facebook  (Read 3215258 times)

Goldielocks

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Re: Overheard on Facebook
« Reply #6850 on: November 06, 2017, 11:10:56 PM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

marty998

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Re: Overheard on Facebook
« Reply #6851 on: November 07, 2017, 02:56:53 AM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

I think you can be excused for the first 10.

2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)

TheGrimSqueaker

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Re: Overheard on Facebook
« Reply #6852 on: November 07, 2017, 08:14:15 AM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

I think you can be excused for the first 10.

2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)

I was once a guest at a bridal shower where the bride received three popcorn makers. Two were the same brand and model. There were only about a dozen guests.

It was this experience that got me to grudgingly admit there's a merit to registries.

zolotiyeruki

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Re: Overheard on Facebook
« Reply #6853 on: November 07, 2017, 08:16:47 AM »
2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)
DW comes from a smallish town, and when we got married, the residents didn't quite understand how the registries at Walmart and Target work.  So we ended up with 36 towels (half of which matched the registry, some of which didn't) and 6 identical hand mixers.  We returned most of the mixers, but still have all the towels 15 years later!

rockstache

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Re: Overheard on Facebook
« Reply #6854 on: November 07, 2017, 08:51:47 AM »
I received 9 dutch ovens of varying size and color for our wedding. We kept 2, in blue.

TheGrimSqueaker

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Re: Overheard on Facebook
« Reply #6855 on: November 07, 2017, 08:56:11 AM »
It seems as though a lot of us have either received multiple identical gifts or been present, darshana-style, when it happened to someone else. Years later we remember the incident and it's possible it influenced us. Does anyone here wonder whether there's a relationship between such an experience and a subsequent attraction to Mustachianism?

Goldielocks

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Re: Overheard on Facebook
« Reply #6856 on: November 07, 2017, 10:32:02 AM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

I think you can be excused for the first 10.

2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)

I was once a guest at a bridal shower where the bride received three popcorn makers. Two were the same brand and model. There were only about a dozen guests.

It was this experience that got me to grudgingly admit there's a merit to registries.
Ah, yes, the doubles...   it is why I tape the receipt to an item, unless I want the couple to keep it (I am stodgier in my older years).

I was at one, where 5-6 trifle glass bowls were gifted to one bride (also useful for salad), but -- 5-6 glass bowls intended for Trifle!  -- She married into a British family and her new DH loved trifle.   

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6857 on: November 07, 2017, 02:22:07 PM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.

Things that donít surprise me in the least.

ketchup

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Re: Overheard on Facebook
« Reply #6858 on: November 07, 2017, 02:27:14 PM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

MgoSam

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Re: Overheard on Facebook
« Reply #6859 on: November 07, 2017, 02:39:43 PM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

It's funny how we don't feel ridiculous for needing to pick up dog's poop. I wonder what aliens would think of us if they saw us picking up after our pets.

ixtap

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Re: Overheard on Facebook
« Reply #6860 on: November 07, 2017, 03:05:07 PM »
We have dinner plates and luncheon plates. We consider the smaller ones plates and the larger ones platters.

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6861 on: November 07, 2017, 03:25:08 PM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

It's the dogs' house, you just pay the mortgage?

frugalnacho

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Re: Overheard on Facebook
« Reply #6862 on: November 07, 2017, 06:45:47 PM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

It's funny how we don't feel ridiculous for needing to pick up dog's poop. I wonder what aliens would think of us if they saw us picking up after our pets.

I absolutely feel ridiculous cleaning up dog or cat poop and I mention it to my wife all the time.  I created a thread about trying to toilet train my cat (we failed and I have to clean that fucking litter every fucking day).

dragoncar

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Re: Overheard on Facebook
« Reply #6863 on: November 08, 2017, 12:16:08 AM »
The closest thing I have to a platter is a waiter's tray that I use to feed our dogs their meals.  Yes, I'm their waiter.  And yes, I feel ridiculous using it, but it's so convenient.

It's funny how we don't feel ridiculous for needing to pick up dog's poop. I wonder what aliens would think of us if they saw us picking up after our pets.

I absolutely feel ridiculous cleaning up dog or cat poop and I mention it to my wife all the time.  I created a thread about trying to toilet train my cat (we failed and I have to clean that fucking litter every fucking day).


Haha and aliens will think our babies are the ruling class because we wipe their butts and feed them from our bodies amirite?  Aliens r dumb

kayvent

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Re: Overheard on Facebook
« Reply #6864 on: November 08, 2017, 03:41:46 AM »
Tbh one of the reasons that I donít have a pet is that I donít feel like picking up somethingís poop for the next 10-15 years.

JordanOfGilead

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Re: Overheard on Facebook
« Reply #6865 on: November 08, 2017, 06:13:52 AM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

I think you can be excused for the first 10.

2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)
Do we count old microwave glass trays as platters? Because I keep them whenever a microwave wears out to use for cheese trays and such and I think I'm up to two or three.
Plus a turkey platter my mother gave me ...
Plus one specifically for deviled eggs ...
Crap, I have at least 5 platters.

Sibley

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Re: Overheard on Facebook
« Reply #6866 on: November 08, 2017, 07:41:29 AM »
I have 2 smaller platters, and that's about it. My mom on the other hand has multiple. I know of around 10, but no clue how many she actually has. We did get her to donate 1 or 2 this year, but put 3-4 back in the box, then back in the attic, where they've been for 20 years.

marielle

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Re: Overheard on Facebook
« Reply #6867 on: November 08, 2017, 07:46:52 AM »
I honestly can't imagine ever wanting or needing a platter... Even if I had people over, I'd just use plates!? What's the use of a bigger plate? Or I'd use a cutting board, that was a good idea above! Hell, or use the countertop with some wax paper over it for easy cleanup.

horsepoor

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Re: Overheard on Facebook
« Reply #6868 on: November 08, 2017, 08:22:17 AM »
I honestly can't imagine ever wanting or needing a platter... Even if I had people over, I'd just use plates!? What's the use of a bigger plate? Or I'd use a cutting board, that was a good idea above! Hell, or use the countertop with some wax paper over it for easy cleanup.

I have two platters that are green and made to look like big, round leaves, so they do double-duty as decorative items for the 361 days a year they are not being used.  Once or twice a year I'll use them to bring cookies or deviled eggs to work for a potluck, or put hor d'oeurves  on them when we have guests.  They also have a little bit of a lip on them so they work for serving something that has juices that might run off of a cutting board (not to mention I need my cutting board for cooking)  I think they were about $8 apiece at TJMaxx 10+ years ago.

Just Joe

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Re: Overheard on Facebook
« Reply #6869 on: November 08, 2017, 08:24:30 AM »
Tbh one of the reasons that I donít have a pet is that I donít feel like picking up somethingís poop for the next 10-15 years.

Move to the country. Our dog has an area in the woods where she goes. She likes her privacy I guess. Seldom anywhere else. Nothing to pick up.

marielle

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Re: Overheard on Facebook
« Reply #6870 on: November 08, 2017, 08:36:42 AM »
I honestly can't imagine ever wanting or needing a platter... Even if I had people over, I'd just use plates!? What's the use of a bigger plate? Or I'd use a cutting board, that was a good idea above! Hell, or use the countertop with some wax paper over it for easy cleanup.

I have two platters that are green and made to look like big, round leaves, so they do double-duty as decorative items for the 361 days a year they are not being used.  Once or twice a year I'll use them to bring cookies or deviled eggs to work for a potluck, or put hor d'oeurves  on them when we have guests.  They also have a little bit of a lip on them so they work for serving something that has juices that might run off of a cutting board (not to mention I need my cutting board for cooking)  I think they were about $8 apiece at TJMaxx 10+ years ago.

I've /somewhat/ considered having one because it is decorative any other time, but I've just had a recent aversion to buying nice decorative things. Could be because I moved 4 times in 14 months.

I thought of another substitute--I have a VERY large baking sheet. It's not pretty by any means, but with wax paper on top it's clean and has a half-inch lip for juices and such.

druth

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Re: Overheard on Facebook
« Reply #6871 on: November 08, 2017, 09:26:16 AM »
I bought a dollar store platter once, it melted a little and I'm not sure how, but that's the only one I have.


Something facebook related.  I have found it recently amusing to see a couple of people quietly scrub their pages of MLM bullshit that they were super hyped on just a few weeks ago.

Goldielocks

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Re: Overheard on Facebook
« Reply #6872 on: November 08, 2017, 03:30:31 PM »
Oh crap,  I just counted... I have 11?! platters.   That is at least 5 more than I use regularly*

*meaning use more than 4x a year which still isn't much, and "platter" includes 13" decorative plates used for appetizers and a cheese tray,
 excludes cake stands


Can confirm I do not own any platters.


Average price of my platters at least was FREE, FREE, $1, $1, FREE, FREE, Wedding Present, FREE, Wedding Present, $3, $15,...   

I think you can be excused for the first 10.

2 platters for Wedding presents? Fuck, wouldn't it be funny if every guest turned up with the same present to a wedding... I'm sure it must have happened somewhere in the world  :)
Do we count old microwave glass trays as platters? Because I keep them whenever a microwave wears out to use for cheese trays and such and I think I'm up to two or three.
Plus a turkey platter my mother gave me ...
Plus one specifically for deviled eggs ...
Crap, I have at least 5 platters.

You see?  My count included 2 oversize but handmade dinner plates that I only use for serving appetizers.  Anything plate like that is used to serve food  (but not eat directly from) is a platter in my books.

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6873 on: November 08, 2017, 03:47:10 PM »
Do we count old microwave glass trays as platters? Because I keep them whenever a microwave wears out to use for cheese trays and such and I think I'm up to two or three.

This fascinates me! How many microwave glass trays do you have?

I bought my microwave second-hand in 2006 and it's still going strong, so I haven't yet faced this question, but I'm fairly certain it would have never, ever occurred to me to keep the plate.

mustachepungoeshere

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Re: Overheard on Facebook
« Reply #6874 on: November 08, 2017, 03:49:18 PM »
I bought a dollar store platter once, it melted a little and I'm not sure how, but that's the only one I have.


Something facebook related.  I have found it recently amusing to see a couple of people quietly scrub their pages of MLM bullshit that they were super hyped on just a few weeks ago.

Oooh you should post this in No, I won't buy into your MLM .

JordanOfGilead

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Re: Overheard on Facebook
« Reply #6875 on: November 09, 2017, 06:18:47 AM »
Do we count old microwave glass trays as platters? Because I keep them whenever a microwave wears out to use for cheese trays and such and I think I'm up to two or three.

This fascinates me! How many microwave glass trays do you have?

I bought my microwave second-hand in 2006 and it's still going strong, so I haven't yet faced this question, but I'm fairly certain it would have never, ever occurred to me to keep the plate.
I had a cheap 600W in college that did the job for me until my SO at the time moved in, then she bought an 1100W one because she was tired of things taking twice as long as recommended. We didn't have a kitchen timer, so we often used the microwave as a timer. One time we had been drinking and forgot to use the "timer" setting and accidentally ran it for 25 minutes on full power with nothing in it. Boom. Replaced it with a similar model we found on sale. Then when I moved out of that apartment into my first home there was a microwave mounted above the stove, so I took the glass out of the one I had and put the unit in the basement with a few other usable-but-not-immediately needed things.

3 glass trays.

marielle

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Re: Overheard on Facebook
« Reply #6876 on: November 09, 2017, 06:55:28 AM »
Reminds me of my roommate, he spent over $120 on a fancy 1200 watt microwave that was a display model which even has a dent in it (cosmetic). I mentioned a few weeks before we moved in together that you could spend $50 or less on Craigslist for a really nice one and he seemed to agree but apparently this was such a good deal that he couldn't pass it up. He also bought the warranty for it.

Glad I'm not splitting that cost with him! For a microwave!

ketchup

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Re: Overheard on Facebook
« Reply #6877 on: November 09, 2017, 08:03:53 AM »
Reminds me of my roommate, he spent over $120 on a fancy 1200 watt microwave that was a display model which even has a dent in it (cosmetic). I mentioned a few weeks before we moved in together that you could spend $50 or less on Craigslist for a really nice one and he seemed to agree but apparently this was such a good deal that he couldn't pass it up. He also bought the warranty for it.

Glad I'm not splitting that cost with him! For a microwave!
Buying an warranty on a fucking microwave?  $120 for a fancy microwave, fine, whatever; I can get past that, but an extended warranty?  Gah.

Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

markbike528CBX

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Re: Overheard on Facebook
« Reply #6878 on: November 09, 2017, 12:15:44 PM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

JLee

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Re: Overheard on Facebook
« Reply #6879 on: November 09, 2017, 06:51:29 PM »
Reminds me of my roommate, he spent over $120 on a fancy 1200 watt microwave that was a display model which even has a dent in it (cosmetic). I mentioned a few weeks before we moved in together that you could spend $50 or less on Craigslist for a really nice one and he seemed to agree but apparently this was such a good deal that he couldn't pass it up. He also bought the warranty for it.

Glad I'm not splitting that cost with him! For a microwave!
Buying an warranty on a fucking microwave?  $120 for a fancy microwave, fine, whatever; I can get past that, but an extended warranty?  Gah.

Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

I had a microwave die on me once (outside of warranty by a few months).  It was, however, still within the extended warranty period that my credit card provided...100% refund ftw!

ACyclist

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Re: Overheard on Facebook
« Reply #6880 on: November 09, 2017, 08:18:23 PM »
Bets thing I saw on Facebook this year:

https://www.youtube.com/watch?v=vLEw2jTwft4

dragoncar

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Re: Overheard on Facebook
« Reply #6881 on: November 09, 2017, 08:39:20 PM »

ACyclist

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Re: Overheard on Facebook
« Reply #6882 on: November 09, 2017, 08:42:23 PM »
Bets thing I saw on Facebook this year:

https://www.youtube.com/watch?v=vLEw2jTwft4

thats.... terrifying

 I am literally cracking up here.  LALALA

Chaplin

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Re: Overheard on Facebook
« Reply #6883 on: November 12, 2017, 09:02:23 AM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

Well, that stinker landed with a thud.

JordanOfGilead

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Re: Overheard on Facebook
« Reply #6884 on: November 13, 2017, 07:19:36 AM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

Well, that stinker landed with a thud.
Believe it or not, weight plates are pretty brittle. That's why a lot of gyms have a no-dropping policy. It can damage floors and chip weight plates. If this person plans on acting like an uncivilized fool with his weightlifting set, I can totally see how he would want an extended warranty.

BDWW

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Re: Overheard on Facebook
« Reply #6885 on: November 13, 2017, 09:33:41 AM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

Well, that stinker landed with a thud.
Believe it or not, weight plates are pretty brittle. That's why a lot of gyms have a no-dropping policy. It can damage floors and chip weight plates. If this person plans on acting like an uncivilized fool with his weightlifting set, I can totally see how he would want an extended warranty.

Wait, you're telling me there aren't high end forged* weight sets yet? I smell a marketing opportunity. Surely those crossfit people would buy in. Hmm.

*Forged Artisanal Free Trade Non-conflict weight plates?
« Last Edit: November 13, 2017, 10:09:32 AM by BDWW »

ketchup

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Re: Overheard on Facebook
« Reply #6886 on: November 13, 2017, 09:58:09 AM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

Well, that stinker landed with a thud.
Believe it or not, weight plates are pretty brittle. That's why a lot of gyms have a no-dropping policy. It can damage floors and chip weight plates. If this person plans on acting like an uncivilized fool with his weightlifting set, I can totally see how he would want an extended warranty.
I've had my weight plates for about four years, and they still look basically brand new (and yes, my girlfriend and I actually use them individually multiple times a week).  I don't exactly use them strictly with white gloves and pillows.  My standards for sane use must be higher than I realize.

AlanStache

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Re: Overheard on Facebook
« Reply #6887 on: November 13, 2017, 10:48:43 AM »
....Reminds me of my coworker getting the expensive extended warranty on his weight plates.  I wish I was making that up.  They're metal plates; there really isn't anything to go wrong.

Heavy man, heavy.

Well, that stinker landed with a thud.
Believe it or not, weight plates are pretty brittle. That's why a lot of gyms have a no-dropping policy. It can damage floors and chip weight plates. If this person plans on acting like an uncivilized fool with his weightlifting set, I can totally see how he would want an extended warranty.

Wait, you're telling me there aren't high end forged* weight sets yet? I smell a marketing opportunity. Surely those crossfit people would buy in. Hmm.

*Forged Artisanal Free Trade Non-conflict weight plates?

You know how StarBucks has a "secret" menu?  Well Rogue Fitness has a similar thing, if you make an insta-tweet-post showing a Fran time under 5 minutes they send you a special link to the gluten free iron.


living_la_vida_mi

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Re: Overheard on Facebook
« Reply #6888 on: November 17, 2017, 09:17:23 AM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

Still Being

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Re: Overheard on Facebook
« Reply #6889 on: November 17, 2017, 09:18:52 AM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

Oh wow, never heard of this. Is she starting a laundromat in her house??

living_la_vida_mi

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Re: Overheard on Facebook
« Reply #6890 on: November 17, 2017, 09:25:50 AM »
Right? And one person commented " that is my dream." Sometimes I feel like I live in another planet.

Still Being

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Re: Overheard on Facebook
« Reply #6891 on: November 17, 2017, 09:33:36 AM »
I use this: https://smile.amazon.com/Haier-HLP21N-Pulsator-1-Cubic-Foot-Portable/dp/B002UYSHMM/ref=sr_1_1?s=appliances&ie=UTF8&qid=1510936324&sr=1-1&keywords=Haier+HLP21N+Pulsator+1-Cubic-Foot+Portable+Washer

It hooks to my kitchen sink. I'm single and just out of college, so this works well for me. And then air dry clothes. My friends all think it's crazy at first then they are like "oh wow this is actually a huge savings" haha.

kaypinkHH

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Re: Overheard on Facebook
« Reply #6892 on: November 17, 2017, 09:34:27 AM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

I for one have the biggest issue to remember to switch loads of laundry...I can't imagine having another set on the go would be helpful.

I'm so confused. Facebook is a confusing place.

Imma

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Re: Overheard on Facebook
« Reply #6893 on: November 17, 2017, 09:41:39 AM »
Friend bragging that she has 2 sets of washer / dryer (a total of 4 machines). She has 3 kids and is a SAHM. I don't even know where to begin. Is this a thing???

Well, I know someone with two washing machines (no dryers) but then she has 10 kids so I kind of understand wanting to run two loads of laundry at the same time. I'm pretty sure the machines were second hand too. But for normal people, that's completely crazy. Especially as a SAHM, if you're home most of the day, what's the problem of taking stuff in and out of the machine a few times in a row?

I don't really get how some people have such massive loads of laundry. We are a couple without kids and we run 2 loads a week and my fiance has a job where he gets dirty all the time. I can see how some people would get to 3 if they don't dry their towels after use, but I heard someone say they did 6 loads a week... a couple with office jobs, no kids.

kaypinkHH

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Re: Overheard on Facebook
« Reply #6894 on: November 17, 2017, 10:36:06 AM »
Someone shared this article on fb saying how they are so mad that dealerships can "get away" with stuff like this. People really need to learn how to math.

http://www.cbc.ca/news/business/marketplace-long-term-loans-cars-1.4402394

The article itself has some good advice, but it is interesting how people think businesses should be responsible for their personal financial best interests.


(Complete confession, back in 2011 as a new grad I totally "fell victim" to some of these ploys with an under valued trade in, and focus on monthly payments. I leaned my lesson now I buy my cars 2nd hand and in cash monies!)

kelvin

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Re: Overheard on Facebook
« Reply #6895 on: November 17, 2017, 10:52:23 AM »
kaypink I agree that individuals need to step up to the plate, but here in Canada we are blessed with a wide array of laws that are designed to prevent this type of usury.

Home buyers are often told by their bank to prepare for heating costs, property taxes, and real estate fees. There are laws against lending to someone who has fixed costs over 60% of their income. It's a bit nanny-state, but given how gullible people can be regarding money, I think it's necessary. People will happily believe what the salesman says if it's what they wanted to hear anyway. (In Canada, a "Financial Adviser" is legally required to act in the best interests of the client. Banks label salespeople as "Financial Advisors", who happily fleece unsuspecting people who can't be bothered to do the math. http://www.cbc.ca/news/business/bank-s-deceptive-titles-put-investments-at-risk-1.4044702)

I'm mostly shocked at the ingenuity of the dealers. Saying "we pay your old loan" when they're just rolling it into the new loan? Ingenious. Labeling it "additional retail value" so the lending institution doesn't catch on? Brilliant.

kaypinkHH

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Re: Overheard on Facebook
« Reply #6896 on: November 17, 2017, 11:14:35 AM »
Thats true, if they are being unlawful then fair enough, more should be done by the car dealers. I guess for me I read this and went "of course they fudge the math to make it in their best interests" where the reaction on FB was more so shock.

Kind of off topic, but this goes back to a general math literacy issue. TD has a great commercial out now to encourage parents to talk to their kids about money before it is too late. One of the clips shows a young girl looking at her mom's mobile banking and her mom hiding it away from her, and the little girl says something along the lines of "guess I'll learn to budget the hard way" or something like that. 
Edit: Found the link: https://www.youtube.com/watch?v=biiqupvCUVo

I also have strong opinions about the fact that (at least in Ontario and NS) the last unit of the last year of mandatory math (grade 11) is the one about interest and compounding. It is tacked on almost like an after thought after years and years of trig and algebra, and by that point it is May-June and even the most math inclined kids could care less about compound interest. I spent a few years tutoring grade 11 math (mostly young spendy teenage girls) and explaining to them how a credit card can get you in debt but also how interest rates can act in your favor was mind blowing to them. I would get very passionate about it...hopefully it made an impact!
« Last Edit: November 17, 2017, 11:24:19 AM by kaypinkHH »

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Re: Overheard on Facebook
« Reply #6897 on: November 17, 2017, 11:16:36 AM »
kaypink I agree that individuals need to step up to the plate, but here in Canada we are blessed with a wide array of laws that are designed to prevent this type of usury.

Home buyers are often told by their bank to prepare for heating costs, property taxes, and real estate fees. There are laws against lending to someone who has fixed costs over 60% of their income. It's a bit nanny-state, but given how gullible people can be regarding money, I think it's necessary. People will happily believe what the salesman says if it's what they wanted to hear anyway. (In Canada, a "Financial Adviser" is legally required to act in the best interests of the client. Banks label salespeople as "Financial Advisors", who happily fleece unsuspecting people who can't be bothered to do the math. http://www.cbc.ca/news/business/bank-s-deceptive-titles-put-investments-at-risk-1.4044702)

I'm mostly shocked at the ingenuity of the dealers. Saying "we pay your old loan" when they're just rolling it into the new loan? Ingenious. Labeling it "additional retail value" so the lending institution doesn't catch on? Brilliant.

Pretty scummy to trick people like that.  Also, does Canada not have lemon laws for cars?
Quote
Four years ago, she bought a new Hyundai Elantra on an eight-year loan, but the car had multiple mechanical problems in the first few months.

Matthews says she didn't trust the car and tried to return it to the dealership but was denied. Instead, she says, the dealership told her to trade it in for a new car.

MgoSam

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Re: Overheard on Facebook
« Reply #6898 on: November 17, 2017, 12:02:12 PM »
It's a bit nanny-state, but given how gullible people can be regarding money, I think it's necessary. People will happily believe what the salesman says if it's what they wanted to hear anyway.

Yeah I keep going back and forth in my head about this concept. I do believe that there should be laws protecting from many of the abuses that go on but at the same time I'm shocked at just how naive or stupid ordinary people can be. The bank where I deposit my company's money is half a block from a paycheck cashing place, and on Fridays I can see more than a few going in there when they (likely) could most likely get a bank account and not have to pay such outrageous fees.

marielle

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Re: Overheard on Facebook
« Reply #6899 on: November 17, 2017, 12:07:38 PM »
It's a bit nanny-state, but given how gullible people can be regarding money, I think it's necessary. People will happily believe what the salesman says if it's what they wanted to hear anyway.

Yeah I keep going back and forth in my head about this concept. I do believe that there should be laws protecting from many of the abuses that go on but at the same time I'm shocked at just how naive or stupid ordinary people can be. The bank where I deposit my company's money is half a block from a paycheck cashing place, and on Fridays I can see more than a few going in there when they (likely) could most likely get a bank account and not have to pay such outrageous fees.

They might not be able to get a bank account because of continuous overdrafts and such in the past. Apparently it's not that uncommon. I see people talking about overdrafts on Facebook all the time. Then there's all the people who are NOT talking about it in the open...
Or, they might have an existing overdraft on their account and don't want their check to be used for the fees.

Or they could be evading taxes or something. I can't imagine that the majority of people don't know they can get a bank account.