Author Topic: Overheard at Work 2  (Read 619488 times)

mm1970

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Re: Overheard at Work 2
« Reply #2700 on: August 13, 2020, 02:35:21 PM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....
Ow. OMG.  Just. Ow.

solon

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Re: Overheard at Work 2
« Reply #2701 on: August 13, 2020, 03:20:49 PM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....

Thanks for posting this. Stories like this are what I come to this thread for.

dragoncar

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Re: Overheard at Work 2
« Reply #2702 on: August 13, 2020, 08:42:40 PM »
Not sure if I ever posted this.  Apologies if it's a repeat.

I was talking to a biglaw partner about something.  Dude makes over $1 million per year and has a house only maybe $2 million.  Has been partner for decades.  He says "I wish I could retire!"  Me:



He did end up retiring a couple years after me so I guess he figured it out himself.  Also his wife is a freakin' dentist.  If you are on here, PM me.

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Re: Overheard at Work 2
« Reply #2703 on: August 16, 2020, 09:06:18 PM »
Not overheard, but I had to keep my mouth shut last week with a co-worker, who admits he’s not in trouble because he and his wife make good money.  (Probably at least 200k). But he can’t retire any time soon because he needs more, he didn’t know his salary, he has a TSP loan, made 300k his previous house in Seattle and now lives in a lower COL area in the Midwest. 

He got on my never for other stuff (worked with him in person for a week). I so wanted to drop on him the size of my brokerage account to explain why I wasn’t as desperate for money as him.

ysette9

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Re: Overheard at Work 2
« Reply #2704 on: August 17, 2020, 07:38:47 AM »
Oh wow.  Does he ever plan to retire?  Spending that much on cars makes me feel anxious by proxy.  I can't imagine actually doing it.

He would like to, as he's always complaining about work, but it's hard to see how. He turns 60 this month or next. Still has a mortgage. The truck isn't needed for work or business purposes. He wants to pull an RV with it for vacations...occasionally. He cashed out his 80k 403b in 2017 when switching jobs. I believe he was paying off the IRS for back taxes even before that. He'd be the first to admit he just sucks with money.
It seems like someone like that could benefit from seeing the simple calculation of what you get after 5 years if you spend that money on cars or if you instead invest it. “Hey, you could have $68,000 in five years or nothing. Which do you prefer?”

SwordGuy

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Re: Overheard at Work 2
« Reply #2705 on: August 17, 2020, 07:45:24 AM »
Oh wow.  Does he ever plan to retire?  Spending that much on cars makes me feel anxious by proxy.  I can't imagine actually doing it.

He would like to, as he's always complaining about work, but it's hard to see how. He turns 60 this month or next. Still has a mortgage. The truck isn't needed for work or business purposes. He wants to pull an RV with it for vacations...occasionally. He cashed out his 80k 403b in 2017 when switching jobs. I believe he was paying off the IRS for back taxes even before that. He'd be the first to admit he just sucks with money.
It seems like someone like that could benefit from seeing the simple calculation of what you get after 5 years if you spend that money on cars or if you instead invest it. “Hey, you could have $68,000 in five years or nothing. Which do you prefer?”

He doesn't suck with money.  He sucks with ego.     All that spending is compensating for something.     Until that's addressed he's not going to stop spending.

ysette9

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Re: Overheard at Work 2
« Reply #2706 on: August 17, 2020, 10:58:28 AM »
Oh wow.  Does he ever plan to retire?  Spending that much on cars makes me feel anxious by proxy.  I can't imagine actually doing it.

He would like to, as he's always complaining about work, but it's hard to see how. He turns 60 this month or next. Still has a mortgage. The truck isn't needed for work or business purposes. He wants to pull an RV with it for vacations...occasionally. He cashed out his 80k 403b in 2017 when switching jobs. I believe he was paying off the IRS for back taxes even before that. He'd be the first to admit he just sucks with money.
It seems like someone like that could benefit from seeing the simple calculation of what you get after 5 years if you spend that money on cars or if you instead invest it. “Hey, you could have $68,000 in five years or nothing. Which do you prefer?”

He doesn't suck with money.  He sucks with ego.     All that spending is compensating for something.     Until that's addressed he's not going to stop spending.
My high school friend calls them “LPTs: little penis trucks”.

jinga nation

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Re: Overheard at Work 2
« Reply #2707 on: August 18, 2020, 10:45:19 AM »
had an ex-co-worker who leased jeep and other "tough-guy" looking trucks. guy was physically not in shape. he would constantly brag and belittle all of us, including our team lead, that he was the "most bestest hardworking guy because he had the best vehicle".

One co-worker told him, "You don't own them, you lease, so STFU."

One day, in a team meeting, he said he was "winning the race". (no one knows WTF he was talking about). eyes were rolling. shrugs.

I said, "you're winning. your vehicle is depreciating at a faster rate than my retirement accounts growing. congratulations." (this was mid 2015 when the market took a small dip.)

Much crazy laughter, 22 IT staff guffawing. Dumbass truck-boy (DTB is what we called him) did not get it. He was literally asking "what, what was the joke? I didn't get it, some explain."

He left a few months later. We had an office pot-luck party after he left.

LennStar

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Re: Overheard at Work 2
« Reply #2708 on: August 19, 2020, 03:41:36 AM »
One day, in a team meeting, he said he was "winning the race". (no one knows WTF he was talking about). eyes were rolling. shrugs.
He likely meant the race of "Buy things you don't need with money you don't have to impress people you don't like".

markbike528CBX

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Re: Overheard at Work 2
« Reply #2709 on: August 19, 2020, 10:43:31 AM »
One day, in a team meeting, he said he was "winning the race". (no one knows WTF he was talking about). eyes were rolling. shrugs.
He likely meant the race of "Buy things you don't need with money you don't have to impress people you  that don't like YOU".

FTFY or an attempt to help :-)

LennStar

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Re: Overheard at Work 2
« Reply #2710 on: August 20, 2020, 03:32:45 AM »
One day, in a team meeting, he said he was "winning the race". (no one knows WTF he was talking about). eyes were rolling. shrugs.
He likely meant the race of "Buy things you don't need with money you don't have to impress people you  that don't like YOU".

FTFY or an attempt to help :-)
Nono, he meant the race I have described. But he was in the one you have written down.

AMandM

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Re: Overheard at Work 2
« Reply #2711 on: August 20, 2020, 06:41:20 AM »
DS18 works part-time as a lifeguard at an outdoor pool. Obviously, it's important that staff keep hydrated. He has a coworker who drinks off-brand Gatorade because "I'm all about saving money." Other coworkers razz him for buying the knockoff, to which he replies, "It's cheaper than water!"
In the guard room there's a free water cooler.

LennStar

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Re: Overheard at Work 2
« Reply #2712 on: August 21, 2020, 01:52:39 AM »
DS18 works part-time as a lifeguard at an outdoor pool. Obviously, it's important that staff keep hydrated. He has a coworker who drinks off-brand Gatorade because "I'm all about saving money." Other coworkers razz him for buying the knockoff, to which he replies, "It's cheaper than water!"
In the guard room there's a free water cooler.
Which would also be a lot more healthier than sports drinks in big numbers.

RainyDay

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Re: Overheard at Work 2
« Reply #2713 on: August 21, 2020, 10:20:21 AM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....

I'm in awe.  I know people with mortgages lower than that.  And the monthly payment doesn't even account for increased insurance payments and property taxes. 

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Re: Overheard at Work 2
« Reply #2714 on: August 21, 2020, 03:48:36 PM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....

I'm in awe.  I know people with mortgages lower than that.  And the monthly payment doesn't even account for increased insurance payments and property taxes.

Actually that is higher than my mortgage payment (not PITI though)

SpareChange

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Re: Overheard at Work 2
« Reply #2715 on: August 22, 2020, 03:11:18 PM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....

I'm in awe.  I know people with mortgages lower than that.  And the monthly payment doesn't even account for increased insurance payments and property taxes.

Or maintenance and gas. Add them all up and it's approaching my monthly expenses in the same city. I talked to him last week. The fuel pump went out on his previous truck. The warranty was nearing it's end, so he thought it best to just trade it in. He plans on retiring in 7 years at 67. He has slowly worsening health problems though, so we'll see.

Just Joe

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Re: Overheard at Work 2
« Reply #2716 on: August 23, 2020, 07:34:02 AM »
Coworker. Late fifties. Great guy. Terrible with money, but he knows it. Bought a brand new fancy truck about 3 years ago. Told me the interest rate was 12%. Used it for his 40 minute commute. His wife drove a minicooper bought used. Fast forward to last year. Trades in his 2 year old truck for another brand new truck. Payments are over $600/mon. Also trades in his wife's minicooper, which was about to be paid off, for a brand new car (forget which model). Between payments, gas, and insurance alone, he's got to be shelling out over $1,000/mon just on the truck for basic transportation. Damn.

I posted that two years ago. The saga continues. He just traded in THAT truck for a new 4x4 F250 with crewcab. Payment only $871/mon. Damn....

That's a good house payment here! Priorities!

techwiz

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Re: Overheard at Work 2
« Reply #2717 on: August 24, 2020, 02:52:33 PM »

 I talked to him last week. The fuel pump went out on his previous truck. The warranty was nearing it's end, so he thought it best to just trade it in.

The same justification was just used by some friends of mine. They have newer trucks than mine but their tires, brakes and warranty were about done so "It makes sense to buy a new truck!"  He and another friend went together and both got new trucks... They tried to convince me that it a great deal and I should also get a new one. "The trade in is amazing, there are looking for used trucks so are paying top dollar for trades...."   Sometimes it is not worth trying to explain the math, after a few minutes of them trying to convince me that the cost of tires and other things that could go wrong justify this great deal. I just congratulated them on their purchases and thought to myself they are basically admitting that trucks are a money pit.  Why in the world would they double down?   

LennStar

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Re: Overheard at Work 2
« Reply #2718 on: August 25, 2020, 03:47:49 AM »

 I talked to him last week. The fuel pump went out on his previous truck. The warranty was nearing it's end, so he thought it best to just trade it in.

The same justification was just used by some friends of mine. They have newer trucks than mine but their tires, brakes and warranty were about done so "It makes sense to buy a new truck!"  He and another friend went together and both got new trucks... They tried to convince me that it a great deal and I should also get a new one. "The trade in is amazing, there are looking for used trucks so are paying top dollar for trades...."   Sometimes it is not worth trying to explain the math, after a few minutes of them trying to convince me that the cost of tires and other things that could go wrong justify this great deal. I just congratulated them on their purchases and thought to myself they are basically admitting that trucks are a money pit.  Why in the world would they double down?
Next time just thank them for fullfilling the demand for vehicles some idiot has payed the brutal first years for.

talltexan

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Re: Overheard at Work 2
« Reply #2719 on: August 25, 2020, 06:16:04 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.

SwordGuy

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Re: Overheard at Work 2
« Reply #2720 on: August 25, 2020, 06:44:33 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.

My standard answer to that kind of question is, "If I can still get a $500 courtesy trade-in at at the dealer, I haven't driven it long enough!"

zolotiyeruki

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Re: Overheard at Work 2
« Reply #2721 on: August 25, 2020, 07:48:02 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
A comment like that would have me looking at them like they had spaghetti growing out of their head.  Not only is it antimustachian, but it's a complete non-sequitur!

SwordGuy

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Re: Overheard at Work 2
« Reply #2722 on: August 25, 2020, 08:03:09 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
A comment like that would have me looking at them like they had spaghetti growing out of their head.  Not only is it antimustachian, but it's a complete non-sequitur!

But.....!!!   You'll ALWAYS have a car payment!!   Right?

Jeesh, they sure will if they're dumb enough to volunteer for one!

techwiz

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Re: Overheard at Work 2
« Reply #2723 on: August 25, 2020, 09:00:58 AM »
Sure new vehicles have a bunch of cool new features. But I don't think they justify the price tag.

My buddy's new truck has trailer backup assist (the truck turns the wheel for you)... How many times are you going to use that? Sure the few times I do pull a trailer it might be nice instead of me looking stupid taking a few tries to back up in a tight area.  That might happen once or twice a year and if I did it more often I would be good at it and not need some fancy computer to park for me.  Seeing that feature work in action was impressive and it shows the technology is really improving. Maybe in a few years decades nobody will be driving and owning vehicles we could all just have roaming autonomous vehicles to transport us around. 



SpareChange

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Re: Overheard at Work 2
« Reply #2724 on: August 25, 2020, 09:04:39 AM »
Learned last week that one of our ex-students, who graduated 3 months ago, went out and bought an Audi after gettting a FT job. Earns probably $50-60k max. Was in a wreck last week and broke her arm. Will miss several weeks of work now.

jinga nation

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Re: Overheard at Work 2
« Reply #2725 on: August 25, 2020, 10:48:25 AM »
Learned last week that one of our ex-students, who graduated 3 months ago, went out and bought an Audi after gettting a FT job. Earns probably $50-60k max. Was in a wreck last week and broke her arm. Will miss several weeks of work now.

Perhaps the Audi logo is a chain symbol for a reason. Chained to lease/payments and/or repairs.

jinga nation

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Re: Overheard at Work 2
« Reply #2726 on: August 25, 2020, 10:50:27 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
A comment like that would have me looking at them like they had spaghetti growing out of their head.  Not only is it antimustachian, but it's a complete non-sequitur!

But.....!!!   You'll ALWAYS have a car payment!!   Right?

Jeesh, they sure will if they're dumb enough to volunteer for one!

The bolded part... Anti-Mustachians act as if it's a great thing to have payments, but have a huge issue if the vehicle is paid off and there's extra money in their account. Somehow that is burning their pocket so it must be spent. Feckin Idjuts. But I thank them for making the manufacturers stock go high. Every little bit helps. I need the dividends.

mm1970

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Re: Overheard at Work 2
« Reply #2727 on: August 25, 2020, 12:11:33 PM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

Piglet

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Re: Overheard at Work 2
« Reply #2728 on: August 25, 2020, 01:58:34 PM »
Learned last week that one of our ex-students, who graduated 3 months ago, went out and bought an Audi after gettting a FT job. Earns probably $50-60k max. Was in a wreck last week and broke her arm. Will miss several weeks of work now.

Perhaps the Audi logo is a chain symbol for a reason. Chained to lease/payments and/or repairs.

Bwahahahahaha! Snorted my drink out my nose when I read this....

ducky19

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Re: Overheard at Work 2
« Reply #2729 on: August 25, 2020, 02:27:13 PM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

My 2007 Vibe (same as the Matrix) has 186,000 - feel like it's just broken in!

jinga nation

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Re: Overheard at Work 2
« Reply #2730 on: August 26, 2020, 11:35:53 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

My 2007 Vibe (same as the Matrix) has 186,000 - feel like it's just broken in!
You read my mind. Honda/Toyotas at ~150,000 miles are only mid-life or less. Especially so in the southern states.
Used to work in California in the mid-2000s. At car shows, would routinely see old cars modded, with mileage usually over 200k, and the owners would drive them for a couple hundred miles to weekend car shows quite frequently.
It's common around here for independent mechanics to ask if they can purchase your car when they notice it is well-maintained during service.

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Re: Overheard at Work 2
« Reply #2731 on: August 26, 2020, 05:39:52 PM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

My 2007 Vibe (same as the Matrix) has 186,000 - feel like it's just broken in!
You read my mind. Honda/Toyotas at ~150,000 miles are only mid-life or less. Especially so in the southern states.
Used to work in California in the mid-2000s. At car shows, would routinely see old cars modded, with mileage usually over 200k, and the owners would drive them for a couple hundred miles to weekend car shows quite frequently.
It's common around here for independent mechanics to ask if they can purchase your car when they notice it is well-maintained during service.

My dealership bought my high mileage well maintained car to use as a loaner.  I only sold it because it was a sedan and I needed a hatchback.  I'm over 280,000 km on the hatchback

SunnyDays

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Re: Overheard at Work 2
« Reply #2732 on: August 26, 2020, 05:54:00 PM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

Ha!  I’ve got you beat!  My 2003 Matrix has 143,000 kilometres on it.  Mostly highway.  I still think of it as new.

Montecarlo

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Re: Overheard at Work 2
« Reply #2733 on: August 26, 2020, 06:36:53 PM »

My high school friend calls them “LPTs: little penis trucks”.

Supposedly the average penis is a lot smaller than what the average man things the average penis is.  Maybe Big Truck is surreptitiously convincing Americans that any penis under 10 inches is micro.

AnnaGrowsAMustache

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Re: Overheard at Work 2
« Reply #2734 on: August 26, 2020, 06:57:22 PM »

My high school friend calls them “LPTs: little penis trucks”.

Supposedly the average penis is a lot smaller than what the average man things the average penis is.  Maybe Big Truck is surreptitiously convincing Americans that any penis under 10 inches is micro.

Men see a lot of penises but few in a ... measurable... state. Women are the real experts on this one!

ysette9

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Re: Overheard at Work 2
« Reply #2735 on: August 27, 2020, 10:44:48 AM »

My high school friend calls them “LPTs: little penis trucks”.

Supposedly the average penis is a lot smaller than what the average man things the average penis is.  Maybe Big Truck is surreptitiously convincing Americans that any penis under 10 inches is micro.

Men see a lot of penises but few in a ... measurable... state. Women are the real experts on this one!
The thing that seems to get missed is that penis size is only half the story. “Insert tab A into slot B”... the relative sizes need to be compatible.

LennStar

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Re: Overheard at Work 2
« Reply #2736 on: August 27, 2020, 10:54:21 AM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

Ha!  I’ve got you beat!  My 2003 Matrix has 143,000 kilometres on it.  Mostly highway.  I still think of it as new.
I beat both of you. Even if I drove my car until I die I would probably not reach 143'000km.

talltexan

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Re: Overheard at Work 2
« Reply #2737 on: August 27, 2020, 02:30:29 PM »
My SiL was visiting me and we were talking about cars. She asked me when I was going to replace my Toyota Camry "now that the one I have is paid off."

Um, I've only got 135,000 miles on it, not even close to done.
Right?  Same.  My 2006 Matrix still under 150k, but barely

My 2007 Vibe (same as the Matrix) has 186,000 - feel like it's just broken in!
You read my mind. Honda/Toyotas at ~150,000 miles are only mid-life or less. Especially so in the southern states.
Used to work in California in the mid-2000s. At car shows, would routinely see old cars modded, with mileage usually over 200k, and the owners would drive them for a couple hundred miles to weekend car shows quite frequently.
It's common around here for independent mechanics to ask if they can purchase your car when they notice it is well-maintained during service.

I felt like buying the car new was an extravagance, but I'm twelve years in and--under pandemic lifestyle--hardly driving it at all. Having a car that needed payments would be the true extravagance.

alienbogey

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Re: Overheard at Work 2
« Reply #2738 on: August 28, 2020, 08:36:13 AM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

talltexan

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Re: Overheard at Work 2
« Reply #2739 on: August 28, 2020, 02:13:21 PM »
I do have a nice, little taxable investment account from which I'm receiving about $4/day in dividends. It has sometimes occurred to me that I could attempt to lease something small--perhaps a Honda Fit--based on the income coming out of that account.

When we discussed it in 2008, my fiancée thought leasing was dumb. I doubt the intervening years of marriage have changed her mind.

SwordGuy

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Re: Overheard at Work 2
« Reply #2740 on: August 28, 2020, 02:39:36 PM »
I do have a nice, little taxable investment account from which I'm receiving about $4/day in dividends. It has sometimes occurred to me that I could attempt to lease something small--perhaps a Honda Fit--based on the income coming out of that account.

When we discussed it in 2008, my fiancée thought leasing was dumb. I doubt the intervening years of marriage have changed her mind.

Why would it change her mind?   Leasing almost always is a dumb financial move!

TheGrimSqueaker

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Re: Overheard at Work 2
« Reply #2741 on: August 28, 2020, 03:08:47 PM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

Try waggling your eyebrows when you say it.

LennStar

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Re: Overheard at Work 2
« Reply #2742 on: August 29, 2020, 01:50:50 AM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

Try waggling your eyebrows when you say it.
Certainly better than waggling somthing else. That could be dangerous.

RetiredAt63

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Re: Overheard at Work 2
« Reply #2743 on: August 29, 2020, 07:24:33 AM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

Try waggling your eyebrows when you say it.
And smirking a bit.

jamaicaspanish

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Re: Overheard at Work 2
« Reply #2744 on: August 29, 2020, 07:31:07 AM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

I drove a Yamaha Vino 125 scooter for six years.
Loved that scooter -- and my gas bill was like $2.75 a month
I used almost the same line when people asked me when I was going to get a real motorcycle--- I told them I was undercompensating
;-)

BTDretire

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Re: Overheard at Work 2
« Reply #2745 on: August 30, 2020, 06:57:03 PM »
I drive a small hatchback.  Sometimes people give me a hard time for not driving a big truck.  I tell them I'm compensating for something.

;)

Not everyone gets it.

Try waggling your eyebrows when you say it.
Certainly better than waggling somthing else. That could be dangerous.
Licking your eyebrows is an attention getter!

talltexan

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Re: Overheard at Work 2
« Reply #2746 on: September 02, 2020, 07:47:17 AM »
I do have a nice, little taxable investment account from which I'm receiving about $4/day in dividends. It has sometimes occurred to me that I could attempt to lease something small--perhaps a Honda Fit--based on the income coming out of that account.

When we discussed it in 2008, my fiancée thought leasing was dumb. I doubt the intervening years of marriage have changed her mind.

Why would it change her mind?   Leasing almost always is a dumb financial move!

I will acknowledge that I am grateful to not be making lease payments on a car that I don't need during this work-from-home time of my life.

Freedomin5

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Re: Overheard at Work 2
« Reply #2747 on: September 04, 2020, 04:27:06 PM »
Coworkers were talking about buying things at the one and only Costco in China, which is an hour away by car. They don’t have a car so it would involve splitting the cost of a $80 van and driver, or $60 taxi. Now, they’ve discovered that someone will do Costco runs for them and then deliver to their home for a mere 10% markup.

I tried to tell them that for many things, you can buy direct from the Costco warehouse (or whatever factory supplies Costco) On Taobao, as long as you Google translate the item into Chinese, and the prices are about the same as physically going to Costco. But apparently it takes too much effort to use Google translate.

ixtap

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Re: Overheard at Work 2
« Reply #2748 on: September 04, 2020, 05:32:50 PM »
Coworkers were talking about buying things at the one and only Costco in China, which is an hour away by car. They don’t have a car so it would involve splitting the cost of a $80 van and driver, or $60 taxi. Now, they’ve discovered that someone will do Costco runs for them and then deliver to their home for a mere 10% markup.

I tried to tell them that for many things, you can buy direct from the Costco warehouse (or whatever factory supplies Costco) On Taobao, as long as you Google translate the item into Chinese, and the prices are about the same as physically going to Costco. But apparently it takes too much effort to use Google translate.

And you can't possibly learn the words/characters for commonly bought items...

Freedomin5

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Re: Overheard at Work 2
« Reply #2749 on: September 05, 2020, 12:51:04 AM »
Coworkers were talking about buying things at the one and only Costco in China, which is an hour away by car. They don’t have a car so it would involve splitting the cost of a $80 van and driver, or $60 taxi. Now, they’ve discovered that someone will do Costco runs for them and then deliver to their home for a mere 10% markup.

I tried to tell them that for many things, you can buy direct from the Costco warehouse (or whatever factory supplies Costco) On Taobao, as long as you Google translate the item into Chinese, and the prices are about the same as physically going to Costco. But apparently it takes too much effort to use Google translate.

And you can't possibly learn the words/characters for commonly bought items...

Actually, I just realized that they could just take a picture of the packaging. Taobao has a picture recognition program and will search for images that look similar. It doesn’t work perfectly, but for many things you don’t even need to know any Chinese if you’ve bought the item before. But that would involve saving money and learning how to navigate a Chinese app. That’s too stressful.