Author Topic: Overheard at Work: The Anti-Antimustachian Edition  (Read 981443 times)

frugalnacho

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #50 on: September 18, 2014, 01:57:02 PM »
But nobody ever proposed molesting horses for their bladder contents!

And i've just been doing it for fun.

fantabulous

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #51 on: September 18, 2014, 02:31:00 PM »
"but let's pretend you NEED that new couch"

In this pretend world where I NEED that new couch, has my butt grown so large that it takes up the entire couch? Sounds like I actually need two (one for home, one for work) and some pretty large vehicle now.

ender

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #52 on: September 18, 2014, 05:38:23 PM »
My last 1/1 conversation resulted in me sending my boss multiple MMM articles.

Wolf_Stache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #53 on: September 18, 2014, 09:32:33 PM »
"but let's pretend you NEED that new couch"

In this pretend world where I NEED that new couch, has my butt grown so large that it takes up the entire couch? Sounds like I actually need two (one for home, one for work) and some pretty large vehicle now.

I love you guys. :D

MandalayVA

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #54 on: September 19, 2014, 01:14:41 PM »
But nobody ever proposed molesting horses for their bladder contents!

And i've just been doing it for fun.

I just spat water all over my keyboard, thanks, Nacho.


DeepEllumStache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #55 on: September 19, 2014, 01:30:16 PM »
Had a conversation with my coworker where he mentioned that his family bought a townhouse close to work.  He was saying he'd rather have time with his family and live in less space than to spend 2 hours a day commuting to and from a big house in the suburbs.

zolotiyeruki

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #56 on: September 19, 2014, 02:27:03 PM »
A coworker of mine is leaving soon for another job.  His new commute involves a 5-minute walk from home to the train station and another 8-10 minutes at the other end.  So he's selling his car.

Recon

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #57 on: September 19, 2014, 04:11:17 PM »
CW (age 50-ish): "I was talking to my friend and he's taking a loan from his 401(k).  Guess how much he has?  Only 7,000.  What an idiot."
Me (~1 year out of college): "Holy shit, *I* have more than that."
CW: "Yeah, I think my cat has more than that."

Rural

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #58 on: September 19, 2014, 05:45:34 PM »
Told a colleague about Navy Federal's 5% CD, and he's setting off to open a Navy Federal account (doesn't have one, but he's a Navy vet from Vietnam, so should have no difficulties).

Melody

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #59 on: September 19, 2014, 07:44:20 PM »
A co worker doesn't have a car. She is a mother of two living in an exo burb so this is quite a feat! they walk and take public transport. This may come more from necessity than badassity (doesn't get child support from her ex and owns a home on a salary lower than mine) but she resisted the temptation to take a loan so it's still pretty good!

johnny847

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #60 on: September 19, 2014, 08:57:13 PM »
Told a colleague about Navy Federal's 5% CD, and he's setting off to open a Navy Federal account (doesn't have one, but he's a Navy vet from Vietnam, so should have no difficulties).

CW of mine has a Navy Fed account, and found out about the 5% CD promotion. One day he asks me, hey should I do a 5% CD? Navy Fed has a promotion. I asked him the term, he said 1 year. And I was like hell yes!

I think I've convinced him to open a Roth IRA this year too. He hasn't done it yet but he says he'll do it. We'll see!

HairyUpperLip

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #61 on: September 19, 2014, 09:06:15 PM »
My last 1/1 conversation resulted in me sending my boss multiple MMM articles.

would be cool if you elaborated a little more on this. I'm just curious how that went down.

robotclown

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #62 on: September 20, 2014, 04:49:37 PM »

"but let's pretend you NEED that new couch"

WHY did the speaker not use a refrigerator as the example?  Since, you know, you might actually NEED a new one at short notice.

mm1970

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #63 on: September 20, 2014, 06:57:08 PM »
I have one!  I even posted on the other thread about a coworker whose car was totaled in an accident, and an expensive car at that.

He said he's got $12k from insurance and will be buying a car for about $6k.  Currently borrowing a friend's car until the right deal comes along.

mm1970

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #64 on: September 20, 2014, 07:11:54 PM »
I have some more.

We had layoffs in April.  One of my old bosses got laid off.  He doesn't have a job yet, and neither does his wife.  He has a ranch, and a local house, and had a far-away house and bought another house.  So, they sold the far-away house and he's busy fixing up the new house.  And just looking around  here and there.

But he could really retire completely.  They've been frugal, he always packed his lunch.    They are in their mid-50s and their kids are grown, but all 3 of their houses/ ranches are in Southern California, and that's no small feat.

Another coworker worked as a tech, went to school at night, got her engineering degree.  She got promoted to engineer and also works nights teaching at the tech school she graduated from.  Good thing she's still in her 20's, pretty sure I wouldn't have the energy for that.

farmstache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #65 on: September 20, 2014, 09:27:28 PM »
Love this thread!

I don't have much mustachianism from my work (the days I wasn't the only person packing a lunch I would always from the other random guy how they were on a diet and couldn't eat out that week)... except for the single IT guy who also happened to collect rainwater, ride the train, bike to the train, own a Honda Fit, eat little to no meat, buy things used... I guess he might have accepted the meal ticket at work out of habit, but he was badass on other stuff.

My SO currently work on public service in the transportation dept. Most people there are the opposite of frugal, but they do tend to bike more to work than the average workplace if anything out of a feeling of responsibility or nagging from the dept director (she bikes).

Pooperman

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #66 on: September 22, 2014, 09:12:17 AM »
Convinced MMM reading co-worker to invest instead of losing money in the bank. Talked her through the IRAs and the rest of that. Very frugal, but was afraid of investing until I showed her my investing Google spreadsheet. She'll be just fine!

DeepEllumStache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #67 on: September 22, 2014, 01:17:45 PM »
Mentioned that I walked to work and found out that my boss's boss also walks to work.  He and his wife downsized significantly but like the change so far.

Abe

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #68 on: September 23, 2014, 08:21:56 PM »
One of the surgeons I work with sold his 15 year old Lexus and started driving his daughter's car after she moved to NYC and doesn't need a car anymore. He plans on keeping the car until he can't drive anymore. Another one bikes to work 10 miles each way (on clinic days).

Tallgirl1204

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #69 on: September 24, 2014, 10:14:11 PM »
My husband has been minding a friend's garden.  He brought home five GIANT zucchinis, and was going to throw them in our compost pile because he knew we would not get around to cooking them.  "Wait!" Said I.  "I will take them to the special table in our break room where people leave things they don't want!" 

They were gone in an hour. 

Every large office needs such a special table in the break room. 

Travis

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #70 on: September 26, 2014, 06:03:31 AM »
During this deployment to the Middle East I have to do occasional travel in civilian clothes on commercial flights and I can't carry military-looking luggage.  So far I've been borrowing another officer's oversized backpack and I mentioned to another that I do this travel so infrequently I couldn't justify buying more luggage.  Yesterday he dropped a beat up large shoulder bag on my desk.  He said he recently acquired some new luggage and bought the previous bag for $4 at a thrift store before we deployed.

RWD

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #71 on: September 26, 2014, 08:55:18 AM »
One of my coworkers who is in his early 20's has slowly been turning mustachian. He has starting bringing a lunch most days and is enthusiastically paying down his student loan debt so that he can move on to maxing out his 401k and Roth IRA. I'd like to think I've been a good influence.

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #72 on: September 26, 2014, 09:42:26 AM »
Well, the friend I mentioned upthread who installed solar and was saving a ton of money from it is now going to lose the panels due to living in the path of the coming lava flow...

A young guy at work who is a really hard worker got a great opportunity with a full-time position here. And then bought a big truck. I'm worried because the friend who got him the job is really spendy. So it was nice to see him coming in this morning carrying grocery bags because there's a small kitchen in his work area and apparently he eats two meals a day there :)

trailrated

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #73 on: September 26, 2014, 10:04:50 AM »
I have a close friend that works at a certain high end electric car company... after hounding him non stop since he started he just told me he is putting 10% into his 401k (trying to get him to boost that still) and 15% into the stock purchase plan that is also discounted 15%.

Now if only I could get him to pay off all his debts... Either way it's an improvement!

acroy

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #74 on: September 26, 2014, 10:09:18 AM »
Well, the friend I mentioned upthread who installed solar and was saving a ton of money from it is now going to lose the panels due to living in the path of the coming lava flow...


WOW!! pics or it didn't happen :)

Anti-anti-mustacian example: Most of the group in my office have moved to high-deductible HSA plans, maxed out 401k's and living below their means. Common topics are declutter, tax shelters, and early-retirement plans. The group is not 100% there (hell I'm not 100% there) and I can't take all the credit, but it's pretty good!!

dragoncar

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #75 on: September 26, 2014, 10:47:58 AM »
Well, the friend I mentioned upthread who installed solar and was saving a ton of money from it is now going to lose the panels due to living in the path of the coming lava flow...

A young guy at work who is a really hard worker got a great opportunity with a full-time position here. And then bought a big truck. I'm worried because the friend who got him the job is really spendy. So it was nice to see him coming in this morning carrying grocery bags because there's a small kitchen in his work area and apparently he eats two meals a day there :)

Lose meaning sell for a small loss? 

sheepstache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #76 on: September 26, 2014, 08:55:54 PM »
Well, the friend I mentioned upthread who installed solar and was saving a ton of money from it is now going to lose the panels due to living in the path of the coming lava flow...


WOW!! pics or it didn't happen :)

Ha, well she hasn't lost the house yet, it just seems like a certainty given the predictions.
http://www.hawaiinewsnow.com/story/26579803/puna-lava-flow-exits-forest-reserve-slows-as-it-heads-toward-open-land
http://hilo.hawaii.edu/news/stories/2014/09/22/puna-lava-flow-in-graphics-maps/

Lose meaning sell for a small loss? 

I haven't gotten a clear answer and I don't know her well enough IRL to press, but it sounds like there's no plan to save them. Possibly they don't have the know-how or the money. Or maybe they rent and it's just a dispute with the landlord over who owns them.

Reddleman

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #77 on: September 27, 2014, 07:06:33 AM »
When I heard lava flow i thought of HI instantly.

When we were on the Big Island a few years ago we spent some time on the Hilo side, including Puna.  For those who haven't been, it is about as far away from most people's idea of a resort vacation as possible (except maybe Molokai).  People are not only living in the path of possible lava flow, but actually living ON TOP of a few year old flows trying to reclaim it. 

Having stayed with some people via homeaway, HI definitely has a big community of mustachians living right.  If you're creative and willing to adjust away some "convenience", there are plenty of reasonably priced places to retire on HI. 

DrF

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #78 on: September 27, 2014, 02:49:31 PM »
I am in academics, and I always try and convince young people starting out to get in the habit of saving money.  With compounding interest if someone put only $50 every month into an IRA at 8% interest it would compound to over $200,000 if they worked until 65. They would be better off than the majority of Americans, and if they started the habit early then they would be more likely to increase the amount they save through the years. Well, I had convinced this one young guy to open an IRA and direct deposit $50 every month. Recently the market has been up and down and I exchanged a few texts with him saying that I was about to push more money into my investments while the market is dipping. Following is the exchange verbatim:

Me: Going all in today or tomorrow

Him: Lol I should just cash out and go on vacation

Me: No way man!! You only lose money when you sell at a loss

Him: Lol I'll just write it off as a bad year I guess

Me: Just leave it in. When you transfer new money, put it into ITOT, until u build up a few hundred, then re-alocate

Me: Also u need to read mrmoneymustach.com


No doubt he went out to some fancy restaurant and bought some new sneakers and has $0 left over.
« Last Edit: September 29, 2014, 08:16:22 AM by DrFunk »

Nords

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #79 on: September 28, 2014, 10:58:58 AM »
I've spent the last 18 months mentoring new bloggers online, and a couple weeks ago most of us met up at FinCon.  This included a blogger camp before the main conference as well as a dedicated mentoring session during the conference.

I met hundreds of frugal people (I mean, people in addition to Mr. & Mrs. MMM) who are going to reach financial independence in their 30s... or feel bad about not making it until their 40s.  Most of them networked on projects or agreed to gigs that will easily produce 4-5 figures during the next year.  Some of them even scored a sponsor's free pass to the conference, flew on airline miles, took the $2 bus from the airport instead of the $33 cab, shared rooms with other FinCon attendees (through the FinCon-sponsored Google Doc), and then scored freelancing posts or affiliate income deals.  Not that any of us are competitive about that sort of thing.

The entrepreneurial spirit in the hallways & lounges was thick enough to cut with a chainsaw. 

I think the next generation is going to turn out just fine.

My spouse and I were about as un-frugal as we could be during this trip, but even I was offered a freelancing deal that paid for my conference ticket.  If this keeps up then I'm going to be simultaneously donating the income to military charities and maxing out my Roth IRA contributions...

Told a colleague about Navy Federal's 5% CD, and he's setting off to open a Navy Federal account (doesn't have one, but he's a Navy vet from Vietnam, so should have no difficulties).
My spouse and I both signed up for that deal, and then I signed up my Dad for it, and then our daughter signed herself up too...

Tallgirl1204

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #80 on: September 29, 2014, 03:21:53 PM »
Not my workplace, but ...  I just took a couple pairs of shoes in to our town's only remaining shoe repair place for new heels and soles.  I wound my way into the little strip mall with lots of tiny shops, found it, took my shoes in, where I engaged in a mostly sign-language conversation with a nice gentleman whose English was much better than my ability to speak his language, which is to say neither of us had much common language to work with.   

Through signing and smiling, we agreed on the need for new heels.  I showed him the soles and asked if he could replace them too, and he studied each pair of shoes, felt them carefully, and said "Not yet.  They have more miles." 

He has a new customer for life. 

aetherie

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #81 on: October 01, 2014, 12:49:40 PM »
Coworker 1: "Hey Coworker 2, you're into investing and stuff, right? Do you have any advice on offsetting short-term capital gains?"
Coworker 2: "Nah, I just put everything in index funds."

DeepEllumStache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #82 on: October 01, 2014, 02:37:11 PM »
Coworker saw my library book sitting on my desk.  "Oooh! There's a public library near here?!? Where? Free books are always better."

LennStar

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #83 on: October 01, 2014, 03:02:14 PM »
Coworker saw my library book sitting on my desk.  "Oooh! There's a public library near here?!? Where? Free books are always better."
2 websites for the bibliophile:

http://bookshelfporn.com/
http://littlemissdorkette.tumblr.com/post/3118512524/date-a-girl-who-reads-by-rosemarie-urquico

tofuchampion

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #84 on: October 02, 2014, 09:49:25 AM »
Aren't there public libraries everywhere, though?  I've never lived anywhere that didn't have one.

MrFrugalChicago

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #85 on: October 02, 2014, 10:50:47 AM »
I have a close friend that works at a certain high end electric car company... after hounding him non stop since he started he just told me he is putting 10% into his 401k (trying to get him to boost that still) and 15% into the stock purchase plan that is also discounted 15%.


To be honest, that is putting over 50% of his retirement PLUS his current paycheck all in 1 boat (his current job). I would diversify more, and put no more than 1/3 or 1/4 of savings into stock purchase.

slugline

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #86 on: October 02, 2014, 10:59:51 AM »
To be honest, that is putting over 50% of his retirement PLUS his current paycheck all in 1 boat (his current job). I would diversify more, and put no more than 1/3 or 1/4 of savings into stock purchase.

But if you quickly turn around and sell the stock that you bought at a discount, isn't that nearly free money?

gimp

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #87 on: October 02, 2014, 11:59:45 AM »
Yes. I max out my ESPP too, because it's free money.

zolotiyeruki

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #88 on: October 02, 2014, 10:34:49 PM »
My boss bought a 2014 Prius a week and a half ago.  His old 2000-ish Accord is on its way out, so he and his wife saved up for a while and paid cash.

That Prius is worth more than their other 3 cars (Accord, 2000 Odyssey, 2002 Ford E350 12-passenger van--they have 7, soon to be 8 kids) put together.

DeepEllumStache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #89 on: October 03, 2014, 10:48:55 AM »
Aren't there public libraries everywhere, though?  I've never lived anywhere that didn't have one.

He didn't realize there was one so close.

nyxst

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #90 on: October 10, 2014, 07:59:55 AM »
Yay! I have one! The exterminator at my work just came in and he is a nice guy to chat with. He said he bought a new house.  Is keeping the old one to rent out, adding to his rental properties (he's 32).  After more conversation, he said he doesn't understand how a lot of his friends have no money and work jobs that pay well. He makes $30-35k/yr and has 75k banked :) Plus rental properties!  Next time he comes in I am going to write down MMM's web address for him :) Love this guy!  He's not mustachian, but he is certainly pointed in the right direction!

skunkfunk

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #91 on: October 10, 2014, 09:27:53 AM »
 My parents have done the Dave Ramsey cash envelopes thing for years. Then my wife's grandparents gifted me his book and borrowed the dvds. But the thing that pushed me over the edge was a coworker.

He's a young guy (early-mid 30s). Despite the 3 kids he's apparently on pace to pay off his house and likely retire much earlier than traditional age. I won't go into his financial shenanigans but it's quite impressive for a low-medium pay guy whose wife is SAHM. I was pretty incredulous - you can actually do that??? Turns out he's a MMM reader. Between that and the wife's grandparents who had FIRE'd in their 50s years ago investing in rental property, I was on board.

The whole office isn't too bad about this stuff - unless somebody's wife shows up about half the parking lot looks like it came out of a salvage yard. There was the coworker who bought a brand new car because the battery went out (it'll only have more problems, it's all downhill from here!) but really not bad for a bunch of engineers/techs.

Zaga

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #92 on: October 11, 2014, 10:32:58 AM »
I'm in an area where frugality is looked on favorably.  In fact I have always gotten impressed looks when I tell people that the sweater they complimented was found at a thrift store!

I was turned onto debt free living by a coworker in fact, which is really cool.  Another coworker sort of berated me for putting so little in my 401-K (At the time I was maxing out 2 Roth's as well).  I have passed on lots of ideas to another coworker and she is well on her way, in fact I think she'll beat me to FI!

Travis

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #93 on: October 15, 2014, 12:34:28 PM »
This was on FB but it's Anti-Antimustacian so I'm putting it here:

Friend: Ladies, How much do you typically spend on a haircut?

Commenter1: Twelve (16 tops with tip) dollars once to twice a year. Though DH cuts my hair sometimes. Free!! But I don't think I'm typical in this regard...
 
Commenter2: Usually the lady that does my hair at the salon in nearby town charges 10 and give her a 5 tip
   
Commenter3: $15 to a little old Asian lady in her garage

Commenter4 (me): $20 after tip. Once a year at best

Commenter5: $34. I get a trim every 8 weeks or so. When I had super short hair it was every three weeks. Don't ask me how much I spend on color to hide the grey.

Commenter6: Around $20 but I only get my hair cut once a year. Lol. DH gets his hair cut every 2 weeks.


Out of 6 replies only one of them was the "normal" response I expected. I thought I'd be the cheap one

Had a similar conversation with DW a couple days ago.  Since I track every penny we spend I'm surprised that I never noticed this, but my wife doesn't pay for haircuts.  She gets a cut once a year and if she donates the hair it's free.  I cut my own.

sheepstache

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #94 on: October 19, 2014, 06:42:06 PM »
Colleague's status on facebook:
Our society is so obsessed with STUFF that there is an entire store built around only selling containers to put all of our STUFF in, and it makes enough money to survive in Manhattan.

HappierAtHome

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #95 on: October 19, 2014, 07:21:37 PM »
Conversation over lunch in the work kitchen.

CW1: It's really hard to save money unless you earn a heap.
CW2: Really? I haven't found that to be true. I saved a 20% house deposit earning less than you do!

:D

FrugalNerd

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #96 on: October 20, 2014, 07:06:48 AM »
This comment brought me out of lurker status.

Some context, I have had a few conversations about MMM with this particular CW, and they were very interested and have started to read the blog. This particular coworker happens to drive to work every day.

CW: I just cancelled my parking subscription
Me: How come?
CW: I'm going to take the train to work. I'm done with paying $200 a month for parking!

Travis

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #97 on: October 20, 2014, 10:26:51 AM »
Colleague's status on facebook:
Our society is so obsessed with STUFF that there is an entire store built around only selling containers to put all of our STUFF in, and it makes enough money to survive in Manhattan.

I felt that way when I used to watch Storage Wars. People paid $30-$50 a month to hang on to that?!  Quite often the locker wasn't anywhere close to full.

FrugalNerd

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #98 on: October 20, 2014, 01:16:40 PM »
Colleague's status on facebook:
Our society is so obsessed with STUFF that there is an entire store built around only selling containers to put all of our STUFF in, and it makes enough money to survive in Manhattan.

I felt that way when I used to watch Storage Wars. People paid $30-$50 a month to hang on to that?!  Quite often the locker wasn't anywhere close to full.

And that's with the producers "seeding" interesting items in some lockers to make the show more fun to watch!

skunkfunk

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Re: Overheard at Work: The Anti-Antimustachian Edition
« Reply #99 on: October 20, 2014, 02:42:45 PM »
Colleague's status on facebook:
Our society is so obsessed with STUFF that there is an entire store built around only selling containers to put all of our STUFF in, and it makes enough money to survive in Manhattan.

I felt that way when I used to watch Storage Wars. People paid $30-$50 a month to hang on to that?!  Quite often the locker wasn't anywhere close to full.

And that's with the producers "seeding" interesting items in some lockers to make the show more fun to watch!

Pretty sure most of those are more than $30-50 a month. I mean many are in that range, but quite a few of the larger ones are north of $100.