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Around the Internet => Antimustachian Wall of Shame and Comedy => Topic started by: fragglebock on July 13, 2014, 10:38:06 AM

Title: Overheard at Work: The Anti-Antimustachian Edition
Post by: fragglebock on July 13, 2014, 10:38:06 AM
The "Overheard at Work" tread is epic!  20 months, 520k+ views and counting.

Everyone once in a while someone  mentions a coworker who is not insanely spending money on stupid crap. These stories don't tickle my schadenfreude bone as much, but it's nice to hear that stupid consumerism hasn't taken over the whole population yet.

I suggest we start a thread for sharing these stories. Sort of a "Mustachianism Around the Web" topic but closer to home. Somewhere to share all those glimmers of hope. I'll start...

A young coworker who is about to finish undergrad was talking about how his car is unreliable and he's looking forward to replacing it when he gets a full-time job (accounting degree, has a couple years of grad school and well-paid internships ahead of him). Some of the things he said:


OK, so that second statement wasn't as brilliant. But if is "best one ever" is 25k and he doesn't see a new car as a rite of passage for your first job, at least he's looking in the right direction.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: neophyte on July 13, 2014, 03:26:42 PM
I've got one. The other day I was checking my email and chatting with the coworker whose desk is beside mine.

Me:  I got an email for my credit card company. They say I qualify for a special rate on a new card. It's the same company and the same card, why wouldn't they just give me that rate on the card I have now? Oh well, delete.
Her: That's weird, what's your rate now?
Me:  I don't actually know.
Her: Me either. I just pay mine in full every month so I figure it doesn't matter.
Me:  Yeah, same here.

I think we shared a secret little high five look. 

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gen Y Finance Journey on July 13, 2014, 05:13:37 PM
My boss brings his lunch to work every day, brags about how he makes his own cat trees out of scrap wood and carpet, and has a ratty terrycloth shirt in his regular rotation. Of course he's not so frugal with the company's money, but that's another story. :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on July 13, 2014, 07:20:36 PM
I have a coworker that my employer hired right out of college.  He's a bright guy, and great at what he does.  He bought a couple-years-old car when he hired on, and either very recently paid it off (18 months later) or has plans to pay it off before the end of the summer.

We also have several people in the office who live close enough to bike to work, and some of them actually do!

Most people in the office bring in their own lunch, and they're almost all very healthy lunches (mine are probably some of the worst! :P).  The ones who go out for lunch?  Sadly, it's the college interns who are paid the lowest.

The two owners drive cars that are about 15 years old (I've got 'em beat--when I drive to work, I've got a '95 Corolla).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on July 14, 2014, 01:47:34 AM
In 2006 I worked for a Brigadier General (makes about $10k a month) who drove to work in a mid-late 90s Nissan.  I can't remember the exact model, but it was a small car that I would have driven in high school.  At a meeting he was chewing out his staff and when giving them a deadline held his arm in the air and said "according to my $25 Casio..."  He was making a point about how simple it should be for people to be on time, but I was in the back of the room smirking because it was the same watch I was wearing. I don't know about him, but I'm still wearing that watch.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Quark on July 14, 2014, 09:14:09 AM
Overheard my intern discussing 401K and other benefits with her boss to learn what they were. Came over later and asked her if she knew what the max was. Told her about that and using an IRA and my best piece of advice is to "max that shit out", then you can do whatever you want in life when you are FI. Sent her the link to MMM and she thinks it's a good read. YAY!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Middlesbrough on July 14, 2014, 09:54:21 AM
Overheard my intern discussing 401K and other benefits with her boss to learn what they were. Came over later and asked her if she knew what the max was. Told her about that and using an IRA and my best piece of advice is to "max that shit out", then you can do whatever you want in life when you are FI. Sent her the link to MMM and she thinks it's a good read. YAY!
Good job educating others!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dr. Doom on July 14, 2014, 04:58:10 PM
At my current gig, this was perhaps a month ago.

Boss:  Let's all go out to lunch today to celebrate the completion of Project X!
Coworker A:  YEAH!  I know just the place.  Sushi.
Coworker B:  Uhh... boss, you're paying, right?
Boss:  Well, not exactly. 
Coworker A:  Aw, who cares?  We get to go out and have fun!
Coworker B:  Pass.  Let me know if you want to actually take us out as a real reward.

So cool - I rarely hear people other than me ask the tough questions in these situations.  Then the bill comes and it's too late.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on July 14, 2014, 11:55:14 PM
At my current gig, this was perhaps a month ago.

Boss:  Let's all go out to lunch today to celebrate the completion of Project X!
Coworker A:  YEAH!  I know just the place.  Sushi.
Coworker B:  Uhh... boss, you're paying, right?
Boss:  Well, not exactly. 
Coworker A:  Aw, who cares?  We get to go out and have fun!
Coworker B:  Pass.  Let me know if you want to actually take us out as a real reward.

So cool - I rarely hear people other than me ask the tough questions in these situations.  Then the bill comes and it's too late.

LOL, one time my boss invited me to lunch, and then immediately added "you pay for yourself" (or something to that effect... maybe a bit more tactful but still super awkward). The  joys of working with lawyers.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Forcus on July 15, 2014, 10:44:06 AM
I wouldn't call this uber-mustachian, but my boss' boss probably makes 500k a year with stock options and drives a 10 year old Dodge Dakota to work. For comparison, some of the younger folks that make the same or less as me drive 50-70k cars (one guy I know here has a Nissan Skyline GT-R). I don't think he is purposefully making a statement but I get a kick out of it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache on July 15, 2014, 01:58:50 PM
Can I also use this for the Anti-AntiMustachian Edition of Overheard on Facebook?

Old highschool friend announced she is about to start saving $200 a month on utilities now that her solar panels have finished being installed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RetiredAt63 on July 16, 2014, 02:28:16 PM
Long time ago now, so forget who it was, but a test pilot (Canadian I think) was being interviewed - they were going out to his 'vette.  Reporter is expecting a Corvette - it was a Chevette.  Test pilot said he got paid to go fast and dangerous, on his own time he was driving safely.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Shooter_D on July 17, 2014, 10:28:27 AM
I have a co-worker whose father made her husband read "The Wealthy Barber" after he proposed to her. Father wanted to make sure the future husband had some sense when it came to money. They are within a few years of retirement now...

That being said, I had some trouble coming up with a good one for this thread. I have a few good stories about anti-mustachianisms...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Winston on July 17, 2014, 01:50:06 PM
Can I also use this for the Anti-AntiMustachian Edition of Overheard on Facebook?

Old highschool friend announced she is about to start saving $200 a month on utilities now that her solar panels have finished being installed.

Good for her on installing the panels, but she's going to be saving $200 per month?! Jeez, either her electric bills are really high or she installed an entire solar panel farm and is essentially off-grid. I've only been paying around $150 per month to cool a 2200+ sqft. house, and this is summertime in Houston! I even pay extra for 100% Wind Power. Is this some place with really high rates (Hawaii)?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Middlesbrough on July 18, 2014, 09:56:20 AM
Talked to my coworker who started biking into work. We were talking about how much we were saving on gas and how I only fill up now to go on trips. He was happy to have not filled his car for two weeks. So proud of him.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache on July 22, 2014, 12:17:35 PM
Can I also use this for the Anti-AntiMustachian Edition of Overheard on Facebook?

Old highschool friend announced she is about to start saving $200 a month on utilities now that her solar panels have finished being installed.

Good for her on installing the panels, but she's going to be saving $200 per month?! Jeez, either her electric bills are really high or she installed an entire solar panel farm and is essentially off-grid. I've only been paying around $150 per month to cool a 2200+ sqft. house, and this is summertime in Houston! I even pay extra for 100% Wind Power. Is this some place with really high rates (Hawaii)?

Ha ha, I thought someone might notice that.  Yes, as a matter of fact, it is Hawaii.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: VillageIdiot on July 23, 2014, 07:34:55 PM
Can I also use this for the Anti-AntiMustachian Edition of Overheard on Facebook?

Old highschool friend announced she is about to start saving $200 a month on utilities now that her solar panels have finished being installed.

Good for her on installing the panels, but she's going to be saving $200 per month?! Jeez, either her electric bills are really high or she installed an entire solar panel farm and is essentially off-grid. I've only been paying around $150 per month to cool a 2200+ sqft. house, and this is summertime in Houston! I even pay extra for 100% Wind Power. Is this some place with really high rates (Hawaii)?

The savings from electric panels can theoretically exceed your energy spending. Typically with panels you will sell back excess energy to the system, and buy energy when you aren't getting enough (like at night). Depending on where you live, how big the panels are and where they are mounted, and your households energy usage panels could range from a minor money saver to a small source of income.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Basenji on July 25, 2014, 04:23:28 PM
I like this thread, but I only have one story. I gradually became very close friends with a coworker. I noticed that she was frugal, her car was really inexpensive, she sometimes invited me to eat out, but her "splurge" was usually a special deal. I knew she made much more than I do and her husband is in a fairly high paying gig. When I discovered MMM we had become closer friends and I told her about it. She smiled like a cheshire cat and swore me to secrecy. Next year she and her husband will be FI and move to the countryside. They plan to do do some part-time work, but mostly be RE. They are both 35. I was so happy for them. It really motivated me as well.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Numbers Man on July 25, 2014, 04:31:09 PM
^ Cool story!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Latwell on July 25, 2014, 06:42:29 PM
A couple years ago, I had an intern at my work who was a rare breed.

Whenever someone asked where she lived, she would say she lived in suchandsuch town. Immediately, the other person would point out that there's a mall there. She would point out that she lived 2 minutes from it yet had NEVER been there.

People went nuts everytime.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: NearlyThere on July 26, 2014, 01:53:08 AM
I have a small team of 10 employees. Two of the team plan to retire before 40. One is very close to that age and goal. So we had a chat and she took her first step with an unpaid month off to test her plan. Yep, it went well and I'm very excited for her.

3 guys cycle to work and everyone in the building brings a packed lunch. If you want to know the bets price for a certain product in the city? We're your guys

It makes us a very mustachian workplace. I'm 99% sure I'm the only one on here.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on July 26, 2014, 12:30:53 PM
I have a small team of 10 employees. Two of the team plan to retire before 40. One is very close to that age and goal. So we had a chat and she took her first step with an unpaid month off to test her plan. Yep, it went well and I'm very excited for her.

3 guys cycle to work and everyone in the building brings a packed lunch. If you want to know the bets price for a certain product in the city? We're your guys

It makes us a very mustachian workplace. I'm 99% sure I'm the only one on here.
What type of work are you doing? How did that mustachian team started beeing mustachian?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Wolf_Stache on July 26, 2014, 04:00:41 PM
I, too, never have any cool over-heards for the other thread, because my office overall is very frugal. Most people bring their lunch to work or eat the complimentary food out of the kitchen (including the two owners). Most of the parking lot is filled with older model cars (although sadly I'm the only one who bikes into the office, and as far as I know not a single person buses in).

In fact, a few months ago, the owner was telling me about how he and his wife were downsizing, and that they were selling their (small very modest) house and buying a small condo.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shadowmoss on July 28, 2014, 11:28:02 AM
Two stories from work telling how I'm way out-frugaled.  Two of the security guards here bicycle to work.  I compliment them on the baddassity (use other words).  One I find out uses a combo of busses and light rail as well as ridding.  I mention that I keep thinking when it cools down I have no reason not to get out and ride the canals which go everywhere here in Phoenix.  He gets a funny look on his face as I mention the ones that would bring me to within less than a mile of work.  He said it sounded like a great idea.  A few days later I asked if he had checked out the canals, and he said he is now using them to bike to work.  Sigh.  I obviously have no excuse not to start this myself.

A few weeks ago one of the new security guys who is young was in the kitchen when I was.  In making conversation he asked my opinion about new cars as he thought with his next paycheck he could afford to buy one.  I was pleased to be asked, but I haven't bought a car in 6 years.  As I was trying to think of what new models would be easy to get into with a low paying job, he mentioned he was looking at Craigs List and told me about a couple he had in mind.  Obvously cheap enough to pay cash.  I was humbled by how he obviously at 20 something was ahead of me in money management.

Then there is the co-worker who mentioned he and wife paid $1500/ticket to go to a fight in Vegas.  But that is the other thread.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: NearlyThere on July 28, 2014, 11:44:34 AM
I have a small team of 10 employees. Two of the team plan to retire before 40. One is very close to that age and goal. So we had a chat and she took her first step with an unpaid month off to test her plan. Yep, it went well and I'm very excited for her.

3 guys cycle to work and everyone in the building brings a packed lunch. If you want to know the bets price for a certain product in the city? We're your guys

It makes us a very mustachian workplace. I'm 99% sure I'm the only one on here.
What type of work are you doing? How did that mustachian team started beeing mustachian?

We're a small business. Not the most mustachian of industries. But we are (most of us)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: golden1 on July 28, 2014, 11:48:40 AM
This guy at work retired at age 50 something - not young by MMM standards, but more people were shocked that he retired at his age:  Here is his goodbye email - with company name removed.

Quote
As my last day at -------- is drawing to a close, I wanted thank all of you who have sought me out with kind words.  As most of you have experienced my gruff nature and am a bit surprised at how that guy is being blessed with such kindness.  --------- has been way more than a job for me.  I have always cared deeply about what we do and how we do it, and I am proud of what has been accomplished from where we began to today.  To the print and production folks, I will miss you all the most.  It has been a pleasure working alongside such hard working, dedicated, yet quirky folks.  Thanks for allowing me to know about your lives and sharing your humor with me.  I wish ------- and all of you here great success as your futures unfold.  Remember you need each other, be passionate, save your money and retire young.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: odput on August 04, 2014, 01:47:03 PM
We share an office with a small software company.  We share a kitchen area, but each company has its own stuff (coffee maker, microwave, etc.).  Sounded like they had a new hire that was getting a tour of the office:

"...we have our own fridge in here and microwave, so if you want to bring food and store it, because, you know, eating out gets expensive..."

I only wish I wasn't so busy this morning so I could share with you guys a more precise recollection of the event.  Either way, made me happy for the day
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: EricL on August 04, 2014, 05:13:27 PM
Fortunately my co workers are either reasonably prudent or prudently quiet about their finances so I've no recent stories.  However, here's one from years ago I posted in another part of the forum.

SPC R was a 20 something company clerk in my first officer assignment and a pretty smart guy.  In conversation he broadly hinted he had tens of thousands invested in various stocks and diverted large chunks of his pay to buy them.  One day at work I found him practically doing somersaults with joy.   Some company had gone public and he was diverting a large chunk of his assets to buy into it.  I was in no position to invest and thought he was a bit crazy.  I told him as much since the company's business model was so unconventional.  But SPC R assured me this "Google" company would do very well.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache on August 05, 2014, 07:53:40 AM
This guy at work retired at age 50 something - not young by MMM standards, but more people were shocked that he retired at his age:  Here is his goodbye email - with company name removed.

Quote
As my last day at -------- is drawing to a close, I wanted thank all of you who have sought me out with kind words.  As most of you have experienced my gruff nature and am a bit surprised at how that guy is being blessed with such kindness.  --------- has been way more than a job for me.  I have always cared deeply about what we do and how we do it, and I am proud of what has been accomplished from where we began to today.  To the print and production folks, I will miss you all the most.  It has been a pleasure working alongside such hard working, dedicated, yet quirky folks.  Thanks for allowing me to know about your lives and sharing your humor with me.  I wish ------- and all of you here great success as your futures unfold.  Remember you need each other, be passionate, save your money and retire young.

That's awesome!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: hownowbrowncow on August 05, 2014, 11:23:45 AM
I think pretty much all of our C Suite Executives walk, bus, or bike to work. My favorite is the guy who runs  ~4 miles to work.  Due to back problems he doesn't wear a backpack.  His workaround - a jogging stroller!  His youngest is in middle school so I'm not sure if it was his from years ago or if he bought a cheap used one.  Either way creative solution!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Wolf_Stache on August 05, 2014, 02:01:06 PM
I think pretty much all of our C Suite Executives walk, bus, or bike to work. My favorite is the guy who runs  ~4 miles to work.  Due to back problems he doesn't wear a backpack.  His workaround - a jogging stroller!  His youngest is in middle school so I'm not sure if it was his from years ago or if he bought a cheap used one.  Either way creative solution!

Heh, I love that!

One company I used to work at in downtown Seattle, my boss, I forget his exact title now -maybe controller? anyway, he would run to work in downtown Seattle... from the Issaquah Highlands!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Cinder on August 06, 2014, 09:25:18 AM
There are several people that are pretty close to mustachianism where I work, but I know of three who could probably pull the plug any day now and are just building up their stache to be a bit bigger. 

One couple works two part time jobs here so they can alternate and only have a small amount of childcare in the middle of the day, and they live off half of one of the two salaries (75% Savings Rate).  Another person here was always a big saver, but only started planing his FIRE goals about 3 years ago.  His numbers look good, but He's waiting out at least a year to build up his investments.   All of them are less then 35. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: gimp on August 08, 2014, 09:01:55 PM
People at work were talking about how vanguard is the cheapest and best place for simple investments. Same conversation: "I had to call to confirm something about my new credit card and they gave me a 20k limit. I don't care about the limit, I just want the rewards points."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: NearlyThere on August 19, 2014, 12:29:01 PM
This guy at work retired at age 50 something - not young by MMM standards, but more people were shocked that he retired at his age:  Here is his goodbye email - with company name removed.

Quote
As my last day at -------- is drawing to a close, I wanted thank all of you who have sought me out with kind words.  As most of you have experienced my gruff nature and am a bit surprised at how that guy is being blessed with such kindness.  --------- has been way more than a job for me.  I have always cared deeply about what we do and how we do it, and I am proud of what has been accomplished from where we began to today.  To the print and production folks, I will miss you all the most.  It has been a pleasure working alongside such hard working, dedicated, yet quirky folks.  Thanks for allowing me to know about your lives and sharing your humor with me.  I wish ------- and all of you here great success as your futures unfold.  Remember you need each other, be passionate, save your money and retire young.

That's awesome!

Agreed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dycker1978 on August 19, 2014, 02:13:40 PM
Sad that the other edition has 78 pages and this not even 78 posts...  I guess that points to the state of most households...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on August 19, 2014, 02:23:13 PM
Also the other thread was started way before this one.  The first line in the first post of this thread:

The "Overheard at Work" tread is epic!  20 months, 520k+ views and counting.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JetBlast on August 20, 2014, 11:22:13 AM
Spent a four day trip flying with a hardcore Christian who believed in numerology and conspiracies like the New World Order and Illuminati and all that crap. I didn't think I could find anything in common to talk about until somehow the subject changed to finances and investing. When he said "I've never had a car loan, I've always paid cash" I knew the trip was going to get better.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: solon on August 20, 2014, 01:42:48 PM
Also the other thread was started way before this one.  The first line in the first post of this thread:

The "Overheard at Work" tread is epic!  20 months, 520k+ views and counting.

Also the other thread can go off topic for, like, 3 pages at a time.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: odput on August 21, 2014, 06:42:51 AM
Yesterday at lunch, the guys from the small software company that we share an office with brought a chess board with them to play over their lunch break.  I found myself watching because, hey, who doesn't love some chess?  One of the lab techs joined me when he showed up with his lunch.  We got to talking with the guys playing and before you know it, "I play winner" turned into full league planning.  Day 1, and we already have aspirations of an inter-company chess league complete with seasons and playoffs.

I love this place
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on August 21, 2014, 07:59:56 AM
I prefer Go. Easier rules, but more (different) work for the brain.

hm... Picard in the Quotes? Then I will addd one:
"If there is intelligent life somewhere in the universe, then they probably know chess, but definitely Go." - Emanuel Lasker, Chess World Champion

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 on August 21, 2014, 12:52:01 PM
When I started my first government job, the building custodian stopped by, introduced himself and asked if I'd started my TSP yet.  I wasn't eligible initially (I've forgotten the rules, but there was some initial waiting period.  The custodian asked me what date the waiting period ended, and he was back at my desk on that day, reminding me to get at least the match, and to increase every time I got a raise. 

He used to buy beat-up crap at garage sales, clean it up and resell it for nice profits.  He once turned a $75 wood stove into a $250 sale with some steel wool and some kind of polish.  He used to come in and talk about stocks with my office mate, and one day my office mate said "he is one of the smartest and probably the wealthiest guy in the building. 

Why was he a custodian?  Poor education, and the government just can't see street smarts for what it is.  But he walked out the door when he chose to retire as a wealthy man.  I am still grateful to him for getting me on the right track. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: OddOne on August 21, 2014, 01:25:09 PM
When I started my first government job, the building custodian stopped by, introduced himself and asked if I'd started my TSP yet.  I wasn't eligible initially (I've forgotten the rules, but there was some initial waiting period.  The custodian asked me what date the waiting period ended, and he was back at my desk on that day, reminding me to get at least the match, and to increase every time I got a raise. 

He used to buy beat-up crap at garage sales, clean it up and resell it for nice profits.  He once turned a $75 wood stove into a $250 sale with some steel wool and some kind of polish.  He used to come in and talk about stocks with my office mate, and one day my office mate said "he is one of the smartest and probably the wealthiest guy in the building. 

Why was he a custodian?  Poor education, and the government just can't see street smarts for what it is.  But he walked out the door when he chose to retire as a wealthy man.  I am still grateful to him for getting me on the right track.

What a great story! Glad he kept up with you.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 on August 27, 2014, 03:38:45 PM
One more for the anti-anti's. 

Our office has a table in the lunchroom where anyone can put anything, up for grabs by anyone else.  Usually it's produce from people's gardens, or thumbed-through magazines, but sometimes it's lotions or books or stuffed animals-- you get the drift.  The items are usually gone within an hour of deposit. 

This morning there was a bunch of expired goods on the table-- anything from canned masala sauce to a package of gluten-free ice cream cones (who even thinks this stuff up?)  Everything was out of date-- up to 4 years past. 

By noon, everything was gone except the ice cream cones.  I admit I ate one-- it tasted like a stale gluten-free ginger snap.  Not good, but it was free! 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: red7 on August 31, 2014, 09:59:48 AM
I have a pretty big commute to work, so I consider this an overheard at work item.

As I was leaving my neighborhood, I got behind an old Toyota Sienna with a bright red bumper sticker:

"Debt is normal. Be weird."

I was pretty shocked to see it in my area, but it made me really happy. :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Peony on August 31, 2014, 11:34:20 AM
Surprised to find I'm enjoying this thread even more than the other one!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on August 31, 2014, 12:35:55 PM
At work, the senior people and partners at my small consulting firm are pretty frugal from what I can tell. In discussions, I know many of them bike to the train (5 miles) and all of that kind of stuff. One of the programmers is Indian, and I am pretty sure he has FU money and maybe even FI at this point. He wants to work though. It's the younger folks (and the more American culturally) that are super bad with money (buying breakfast and lunch at work every day kinda stuff).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Less on September 03, 2014, 06:45:36 PM
My boss and I were interviewing a candidate and asked where he saw his career going. His answer concluded with "and around age 55 I would like to move into more of a technical team management type of roll".

As soon as he left the interview we both looked at each other and started to laugh. Both of us are at least financially aware and planning to be retired pre-50. It was the first time I admitted to having some intent to RE at work too.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: karaishere on September 10, 2014, 10:09:14 AM
It made me pretty happy to see a whole group of friends talking about having a second job on facebook (instead of the alternative: taking on debt). Of course, I don't know the OP's spending habits, but it seems that furthering her skills will giver her a boost in life, which is a good thing.

[I edited it down a bit, but here's the jist of the conversation.]

OP: Lots of things in the works. 2 certifications, finishing my degree, and someones gotta pay for it all. Given that fact, would my friends think it was just to weird if the walked into say . . . CHIPOTLE and saw making the salsa, or even rolling your burrito?
Person 1: Nope. Gotta do what you gotta do. Plus I know my burrito would then be made with more than just their ingredients...it would be made with love too.
Person 2: Absolutely not! Go out there and make your dreams happen!!!
Person 1: Yeah don't feel bad at all. I spent the weekend collecting horse urine for some extra cash. No shame my friend.
Person 2: I clean offices as a second job 2 evenings a week, it takes a little over an hour and pays extremely well. If your interested I could give you the company's info.
Person 3: Of course not. It's always better to earn money in a side hustle, then take on debt.
Person 4: no, not weird at all. why would you even think that?
OP: Why . . . cause everyone I have mentioned it to has laughed in my face.
Person 5: I think it's awesome. I also think it's awesome that you have the balls to go back to school to achieve your dreams! That takes some major courage! Go get em!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gone Fishing on September 10, 2014, 01:14:42 PM
Kinda sad, but we have several divorced people in the office.  The ones that make good money are undoubtely paying alimony and saw their balance sheets get hacked in half.  Understandibly, they are trying to cut costs...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Nords on September 10, 2014, 05:04:43 PM
OP: Lots of things in the works. 2 certifications, finishing my degree, and someones gotta pay for it all. Given that fact, would my friends think it was just to weird if the walked into say . . . CHIPOTLE and saw making the salsa, or even rolling your burrito?
Person 1: Nope. Gotta do what you gotta do. Plus I know my burrito would then be made with more than just their ingredients...it would be made with love too.
Person 2: Absolutely not! Go out there and make your dreams happen!!!
Person 1: Yeah don't feel bad at all. I spent the weekend collecting horse urine for some extra cash. No shame my friend.
When I was standing midwatches or weekend/holiday duty, we always used to joke that the alternative was working shifts at McDonald's.

But nobody ever proposed molesting horses for their bladder contents!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Lizzy B. on September 18, 2014, 12:45:15 PM
I just got back from a lunchtime financial workshop hosted by my company's retirement company.  The workshop was designed specifically for young women, and was mostly too basic to be of any use.  My table mates were awesome, though, and our conversations lead me to suspect there are a few closet mustachians here.

The first comment one woman made right after sitting down was that the best financial advice she could offer (to the two youngest ladies at our table) was to max out your pre-tax contributions.  From their reactions, I suspect the ladies in question already DO max out their accounts, but didn't want to admit it to a table full of strangers. 

One of our activities was to create a budget with 7ish assigned categories.  One category was debt (and not mortgage or car debt; those were included elsewhere).  No one at the table (including the recent graduates) thought debt was a reasonable budget line item and wondered why it was included.  Their first guess at how much was reasonable to save was 25-30%.  I'm guessing this also included a "I don't want to shock the other folks at the table, so I'll round down" factor.

The speaker had lots of "It's so hard to balance a budget these days" comments included to make it palatable to a mainstream audience, but my coworkers were having none of it:  "If you can't afford the house, buy a smaller one!"  "Why would you have credit card debt?  Just live within your means!" "Don't eat out; cook in bulk and freeze meals for when you're feeling lazy!"

The best was an example of putting a $2,500 couch on a credit card and showing how much the couch costs after paying it off using the minimum.  Everyone in the audience was dead set against buying it.   ("Don't by the new couch, buy used!" "Buy with cash and get a discount"  "Save up for it BEFORE you purchase it")  The instructor kept having to repeat, "but let's pretend you NEED that new couch"  to make her next point about paying it off quickly instead.  I don't think the folks in the room would have bought the couch.  :-)

Nice job, ladies!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: fantabulous 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on September 18, 2014, 05:38:23 PM
My last 1/1 conversation resulted in me sending my boss multiple MMM articles.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Wolf_Stache 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
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MandalayVA 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.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Recon 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."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rural 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).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: robotclown 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: farmstache 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).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Abe 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).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 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. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RWD 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache 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 :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: trailrated 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: acroy 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!!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar 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? 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Reddleman 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. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DrF 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Nords 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...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 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. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie 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."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache 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."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar 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
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: tofuchampion 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrFrugalChicago 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: slugline 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?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: gimp on October 02, 2014, 11:59:45 AM
Yes. I max out my ESPP too, because it's free money.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nyxst 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Zaga 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: sheepstache 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HappierAtHome 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
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FrugalNerd 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FrugalNerd 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!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk 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.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on October 21, 2014, 02:26:34 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.

Wait a minute, you used to pay for cable to watch that?!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on October 21, 2014, 02:29:59 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.

Wait a minute, you used to pay for cable to watch that?!

Hell no, but my father-in-law would have it on the TV at his place. That and pawn stars. And ice road truckers.

I hate reality tv. Seriously.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: flamingo25 on October 24, 2014, 10:58:19 PM
I think pretty much all of our C Suite Executives walk, bus, or bike to work. My favorite is the guy who runs  ~4 miles to work.  Due to back problems he doesn't wear a backpack.  His workaround - a jogging stroller!  His youngest is in middle school so I'm not sure if it was his from years ago or if he bought a cheap used one.  Either way creative solution!

Heh, I love that!

One company I used to work at in downtown Seattle, my boss, I forget his exact title now -maybe controller? anyway, he would run to work in downtown Seattle... from the Issaquah Highlands!

Holy cow. That's quite a run.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on October 25, 2014, 09:50:34 AM
I think pretty much all of our C Suite Executives walk, bus, or bike to work. My favorite is the guy who runs  ~4 miles to work.  Due to back problems he doesn't wear a backpack.  His workaround - a jogging stroller!  His youngest is in middle school so I'm not sure if it was his from years ago or if he bought a cheap used one.  Either way creative solution!

Heh, I love that!

One company I used to work at in downtown Seattle, my boss, I forget his exact title now -maybe controller? anyway, he would run to work in downtown Seattle... from the Issaquah Highlands!

Holy cow. That's quite a run.
There's one guy here in town who bikes to work 3x a week, 40 miles one way.  His office has a huge stash of PB&J.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on October 25, 2014, 09:01:13 PM
I quite often waited in line behind head of accouting (I.e. the 2ic for the cfo) of my large publicly listed company in order to use the microwave to heat leftovers :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: pachnik on October 25, 2014, 09:28:10 PM
One of the guys always brings his lunch + often bikes to work.  Pretty impressive.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Andiham on October 25, 2014, 09:49:13 PM
I recently got a new job. It's in the financial industry and so far, I am very impressed with the caliber of my coworkers and bosses. During training, my fellow new hires and I listened to a presentation about how to build our own personal wealth. They showed us different charts with information on if we invested $100, $200, $500, etc per month into our 401k/ maxed out the IRA, etc, how much money we would have in 20 years. They said if we would max out our 401k (and also get the *50%* match) and max out our IRA each year, we would be millionaires in 14 years. All of my coworkers' eyes lit up. I think it's awesome that they encourage us to invest heavily and that they show how much they care through that generous match.

Also, I was overjoyed this past week discussing how many of my coworkers found their stylish clothes at various thrift stores and to see many of them bringing their lunch to work rather than eating out.

I think I'm going to like this place....
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Elderwood17 on October 27, 2014, 02:49:56 PM
One of my co workers has always gone out for fast food at lunch.  She decided to start eating at work hoping to lose some weight.  She started with frozen lean cuisine type meals and noticed several of us bring our own lunch, so she switched to salads she makes each morning herself.  She said she has lost some weight but what really got her excited was she 'didn't realize how much cheaper it is to eat your own food'!  Now she is telling everyone that you can save a lot of money bringing your own lunch to work.

Hey, she is learning and at least headed I the right direction.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Adventine on October 28, 2014, 02:54:43 AM
I recently got a new job. It's in the financial industry and so far, I am very impressed with the caliber of my coworkers and bosses. During training, my fellow new hires and I listened to a presentation about how to build our own personal wealth. They showed us different charts with information on if we invested $100, $200, $500, etc per month into our 401k/ maxed out the IRA, etc, how much money we would have in 20 years. They said if we would max out our 401k (and also get the *50%* match) and max out our IRA each year, we would be millionaires in 14 years. All of my coworkers' eyes lit up. I think it's awesome that they encourage us to invest heavily and that they show how much they care through that generous match.

Also, I was overjoyed this past week discussing how many of my coworkers found their stylish clothes at various thrift stores and to see many of them bringing their lunch to work rather than eating out.

I think I'm going to like this place....

That's amazing!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on October 31, 2014, 05:49:32 AM
I overheard my co worker cancelling her cable subscription :) I also saw a guy put his 10yr old Nokia on the table in a meeting today (impressive that he both had the phone and didn't try to hide it).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dr. A on November 04, 2014, 07:09:45 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.

The only caveat I'd throw on to this is that the ability to pack even a modest life into a teeny-tiny New York apartment requires much creative storage... not that I disagree with the larger point, of course.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dr. A on November 04, 2014, 07:13:56 AM
On my way to work, I stopped to vote and there was no place to park my bike because the two racks were overflowing. Mind you, it's November in New England, so it was hardly balmy at the time either.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on November 05, 2014, 05:06:35 PM
Wait why is in the anti-antimustachian thread?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Charm14 on November 05, 2014, 10:48:14 PM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: solon on November 06, 2014, 04:52:35 AM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.

Yeah, you've found a mustachian in the wild. Careful with those things, when cornered they can become ferocious!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Primm on November 06, 2014, 04:58:41 AM
When I was eating in the tearoom at work the other day (n=15 at the time) I noted that the people who brought their home-cooked lunches to work outnumbered the ones who purchased lunch by 4:1. And the boss just cap-exed a new fridge which is twice the size of the old one, to give people room to store their lunches.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on November 06, 2014, 06:04:16 AM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.

Yeah, you've found a mustachian in the wild. Careful with those things, when cornered they can become ferocious!

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on November 06, 2014, 07:21:26 AM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.

Yeah, you've found a mustachian in the wild. Careful with those things, when cornered they can become ferocious!

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"

Crikey! I just lol'd.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on November 06, 2014, 08:45:58 AM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.

Yeah, you've found a mustachian in the wild. Careful with those things, when cornered they can become ferocious!

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"

Crikey! I just lol'd.

+1 Crikey indeed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on November 06, 2014, 02:56:07 PM

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"
Anyone else read that in their heads in Steve's voice?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on November 07, 2014, 07:44:57 AM

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"
Anyone else read that in their heads in Steve's voice?

Yea everyone did.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on November 07, 2014, 07:49:38 AM

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"
Anyone else read that in their heads in Steve's voice?

Yea everyone did.

Every time someone mentions the words "mustachian in the wild" I think of Steve Irwin.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Adventine on November 07, 2014, 08:26:20 AM
Last week I went on a date with a 23 year old guy and we started talking about making it through school without using student loans (which he had managed to do). I made a joke/sarcastic comment about using credit cards to pay for everything "because that's what they were for." He looked at me like I was crazy, which I found very encouraging. I clarified that I've never carried a cc balance in my life and don't plan to start, and he stopped looking so judge-y. He also uses a flip phone. I might have found a mustachian.

Yeah, you've found a mustachian in the wild. Careful with those things, when cornered they can become ferocious!

Steve Irwin: "He's a beauty! Just look at the size of his bank accounts!"

That made me laugh IRL!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TN_Steve on November 07, 2014, 10:35:41 PM
law firm.  First person in the name of the firm, who makes a bit more than most people.  His wife bought an Accord in late 80's.  She wanted newer car.  He decided "still running" about 10 years ago, and still drives it every day.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: GrayGhost on November 08, 2014, 12:14:10 AM
My office is pretty badass. Most people brown bag it daily (largely, I suspect, because there is only a Subway's close to work) and we're all physically fit. Some of us have nice and new cars, but eh, what can you do? This is the kind of thing that happens in the military lifestyle.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on November 12, 2014, 04:46:20 AM
I frequent Cracked.com for humorous stories and such.  An article from a few days ago delved into a few franchises that are poised to go the Marvel route and try to set up multiple movies set in their own universes with some of them being blatant and poorly thought out cash grabs.  Some of the author's points are hilarious while others miss the boat (standard for a Cracked article).  Regardless, the comments section had this gem:

Quote
Well I, for one, am grateful to Hollywood for this trend. Money is tight right now, and the knowledge that there will be no movies I want to see for the foreseeable future will be a great help with my budgeting.


http://www.cracked.com/quick-fixes/4-baffling-ways-random-movies-are-copying-the-avengers/ (http://www.cracked.com/quick-fixes/4-baffling-ways-random-movies-are-copying-the-avengers/)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dandarc on November 14, 2014, 03:25:22 PM
Got an email from a director here announcing her retirement in less than 2 weeks.  Retiring to take care of new grandson.  Glad she has that option.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Primm on November 15, 2014, 03:34:28 AM
Overheard yesterday - two colleagues discussing the best way to ensure that they maxed out their annual superannuation contributions while avoiding penalties for over-contribution to tax advantaged accounts (annual limit / pay periods vs. a little bit less than this each fortnight and a catch-up payment at the end of the financial period).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Albert on November 15, 2014, 04:39:46 AM
A head of our section (ca 500 people worldwide) doesn't own a car and takes the same train as myself to work every morning. Still rents the same apartment she had 15 years ago when she had a job similar to what I have now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: GrayGhost on November 15, 2014, 12:14:35 PM
Why isn't she retired yet, then?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Albert on November 15, 2014, 05:48:02 PM
Why isn't she retired yet, then?

I would have to be a close friend of hers to know that (people here are more discreet about finances than in US) and if I were I would definitely not be disclosing it here. My guess would be because she is still only in her early 40-ties and seems to be on a fastback for senior management.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: infogoon on November 18, 2014, 09:24:41 AM
"Sorry I can't go out to lunch with you guys -- I'm still eating my way through the last bunch of produce from my farm share."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 on November 18, 2014, 09:55:18 AM
So, a bunch of us at work got sucked into a "are you ready for retirement" meeting with a guy who presented himself as a "financial educator."  Somehow our workplace encouraged the meeting, and I had my suspicions, but I was hoping for a pat on the back or whatever. 

He wasn't able to tell any of us much that we didn't already know, since the only ones to sign up were the ones who were somewhat on top of our finances anyway.  He was able to run some retirement numbers, but it was more confirmation than new news to anyone.

Turns out the guy came to us in the guise of his "non-profit educational" business that really is a front to drum up business for his other "let me sell you annuities and get you set up with an active management person" business.  In the initial "grooming" meeting, he told us that one of his active traders had raked in a "700% return" in the last 14 years.  (One of my coworkers replied "You sound like Bernie Madoff talking.  That's not a selling point."  Kinda startled the guy.) 

He has been calling all of us to "follow up" ever since the initial meeting.  Nobody has set up a second meeting with him.  And we have had a little chat with the manager who proposed the initial appointments, and I don't think the guy will be coming back. 

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on November 19, 2014, 02:08:17 AM
He has been calling all of us to "follow up" ever since the initial meeting.  Nobody has set up a second meeting with him.  And we have had a little chat with the manager who proposed the initial appointments, and I don't think the guy will be coming back.
Right so! Starve them out!
There are so many "advisors" of all types running around that just want to sell you your stuff, its amazing if you find a real advisor.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Frugal_Red on November 19, 2014, 05:50:12 AM
This thread is wonderful! Even better that the Antimustachian Edition (which I just finished reading through!) :-D

My contribution: I was talking with a co-work about my love of thrifting & the ridiculousness of buying most things new.  It turned out we have a shared love of yard-sales and flea market finds.  Our talk eventually moved on to finances so I told her about MMM & the general principals of badassity.  This past week she said she is now trying to read at least a few articles a week & is re-looking at upping her 401K contributions and investments! :-D Yay!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on November 19, 2014, 06:20:16 AM
A friend of a friend (old co-worker from another job) joined the company I work for as head of a newly created department. I'm to take over her old work, so we had a meeting together. She's in her late 30s and has her hair super on fire as far as I can tell (I didn't get into it too much). However, during the discussion, we got to talking about finance, and I passed on a few things I've learned here through example. She seemed very interested, so hopefully she will be back. I recommended she read "your money or your life" since it'll probably make a bigger impact on her than "the millionaire next door". I'll be sure to come back here in a month or two with some updates!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: lizfish on November 19, 2014, 06:30:19 AM

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

Couldn't resist this. A little off topic and a couple of choice words, but a great little skit on girls who read.

http://youtu.be/lmEbF2uhsZk
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ontheroaderic on November 19, 2014, 07:04:44 AM
Got a good one last week.

Coworker (our bookkeeper actually) is telling me about the oil changes on her Lexus.

"There are LEDs on either side of the entry that light up as you pull through to guide you. There's a screen that senses your car and welcomes you by name! There's a brand new Lexus at your disposal if you need to go run an errand, by why would you? There's a full bar, a movie theater, snacks, bottled water . . . and best of all, it's free!"

Free, eh? Not part of the purchase price of the vehicle? Not part of that payment you're making every month? Sign me up!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on November 19, 2014, 07:11:24 AM
Got a good one last week.

Coworker (our bookkeeper actually) is telling me about the oil changes on her Lexus.

"There are LEDs on either side of the entry that light up as you pull through to guide you. There's a screen that senses your car and welcomes you by name! There's a brand new Lexus at your disposal if you need to go run an errand, by why would you? There's a full bar, a movie theater, snacks, bottled water . . . and best of all, it's free!"

Free, eh? Not part of the purchase price of the vehicle? Not part of that payment you're making every month? Sign me up!
? Shouldn't this be in the Antimustachian thread?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gone Fishing on November 19, 2014, 02:48:24 PM
I was taking my daily lunch break walk and I overheard another walker mention that she was keeping the thermostat a 66, and just firing up the gas logs for a minute to warm up her backside after coming in from the cold.     
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ontheroaderic on November 19, 2014, 04:08:19 PM
Got a good one last week.

Coworker (our bookkeeper actually) is telling me about the oil changes on her Lexus.

"There are LEDs on either side of the entry that light up as you pull through to guide you. There's a screen that senses your car and welcomes you by name! There's a brand new Lexus at your disposal if you need to go run an errand, by why would you? There's a full bar, a movie theater, snacks, bottled water . . . and best of all, it's free!"

Free, eh? Not part of the purchase price of the vehicle? Not part of that payment you're making every month? Sign me up!
? Shouldn't this be in the Antimustachian thread?

I'm confused! The anti-anti? I thought it was anti-anti-anti! Yes, it needs to be moved, but I don't see how I can do that, need a mod?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: thecornercat on November 19, 2014, 04:26:44 PM
Ooh, I like this thread! I wish it had existed a few months back, because I've forgotten some of the details. My co-worker was giving me a ride home and was feeling a little embarrassed about her car. She bought it used seven years ago for $4-5K. She seemed embarrassed because I think she thought I would judge her for going used/buying an inexpensive car, but it was functional, it was cute, and she owns it outright. I don't drive (no license) and I don't have a car, but if I ever get around to it, that's the way I want to go :).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dr. A on November 19, 2014, 04:27:40 PM
You can't move it, but you can remove the post here and make a new one in the right thread.

On my way to work, I stopped to vote and there was no place to park my bike because the two racks were overflowing. Mind you, it's November in New England, so it was hardly balmy at the time either.

I just realized why there was confusion about the location of this post. When I said "two racks were overflowing" I meant two of these:
(http://www.belson.com/Images/BikeRacksGuide-Traditional-M-001.jpg)

My point was that there were a crap load of people who rode their bikes on a cold morning to vote.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: kudy on November 19, 2014, 05:05:23 PM
My intern asked me about IRAs today - this lead to a discussion about early retirement, what types of investments I have, index funds, and getting started early.

He seemed amused and shocked, but also intrigued at my plan to retire in 8-10 years; I hope he goes home and opens that IRA he was asking about!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SweetRedWine on November 20, 2014, 07:45:37 PM
While I was eating lunch today in the small cafeteria at work, another employee was extolling the virtues of biking to work.  He mentioned never regretting riding his bike to work even when it was cold out, how efficient the exercise was, and he even spoke of the cost savings.  I almost asked if he was familiar with the MMM website. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on November 20, 2014, 08:26:44 PM
While I was eating lunch today in the small cafeteria at work, another employee was extolling the virtues of biking to work.  He mentioned never regretting riding his bike to work even when it was cold out, how efficient the exercise was, and he even spoke of the cost savings.  I almost asked if he was familiar with the MMM website.
You should ask him! Seems like a prime candidate to become a Mustachian if he isn't already.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on November 21, 2014, 08:02:18 AM
Ran into a former coworker on my walk into work a month ago.  She has been taking the free trolley and walking the rest of the way in.  When she heard that I had no intention of driving even as the weather got cold, she made her rethink her plan to convert since she and her husband have only 1 car. 

We happened to run into each other again on the morning it was below freezing and laughed about how the cold weather walk wasn't too bad of an experience.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on November 25, 2014, 01:16:42 AM
One of the NCOs in my unit is leaving the Army in about 6 months.  I've heard whispers that he's insanely frugal, but over lunch the other day I found out he's saved almost every dime from this deployment.  He's not maintaining an apartment back home, no car payment, and no other bills except maybe a storage shed.  From what I can tell he doesn't spend any money on himself either out here (fast food, toys, hobbies).  His frugality is occasionally joked at amongst his social circle, and I've been wanting to sit down and trade notes on the what and whys.  He's either just a mustachian at heart or he's hedging against any problems with a job search after he departs.  Either way I like where his head is.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: 1967mama on November 25, 2014, 02:17:07 AM
I've been a SAHM for over 20 years now, so I guess I retired really early ... haha!

One thing I do recall from my working days was how everyone in the staffroom brought either leftovers or homemade sandwiches for lunch. Someone buying their lunch would have been a real oddity in my workplace back in 1988!

Awesome thread -- just read it from start to finish!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RetiredAt63 on November 27, 2014, 11:54:42 AM
A bunch of us (mostly retired) were sitting around at coffee this morning, and we got to talking vacations.  I am in a mustachian hotbed.  They all pay their credit cards off in full every month, no-one pays interest.  They all have either a reward miles or cash-back card or both.  Some (not all) of them are visiting "home" in Europe (dual citizens), so their travel is not cheap, but with the card rewards they are not spending much.  They book last minute cruises (cheap).  It was wonderful.

(And to refute some of the guys on this forum who have posited that women are "spendypants", these were all women.  Mind you, their spouses are on board with this sensible spending.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MBot on November 27, 2014, 08:41:32 PM
Ground beef was on sale today so we stocked up with 20 pounds. Divided it into ziploc half pound portions, flatten and freeze them .

Husband just talked to a friend online and she said "oh yeah, we saw that sale and stocked up too!" Apparently she freezes portions the same way!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on November 27, 2014, 10:09:57 PM

(And to refute some of the guys on this forum who have posited that women are "spendypants", these were all women.  Mind you, their spouses are on board with this sensible spending.)

Are you sure? I think mustachian women might actually be somewhat more common than men. All anecdotally derived statements wrong or your money back, of course.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: GrayGhost on November 27, 2014, 10:18:33 PM
I assume that everyone I come across online is a man, but in fairness, I know there are definitely a few mustachian ladies out there. It's just a different set of temptations for them than there are for men. They're told that they must spend money on clothing and makeup, we're told we must spend money on sportscars and I don't know/care what else.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rural on November 28, 2014, 02:41:23 AM
I assume that everyone I come across online is a man, but in fairness, I know there are definitely a few mustachian ladies out there. It's just a different set of temptations for them than there are for men. They're told that they must spend money on clothing and makeup, we're told we must spend money on sportscars and I don't know/care what else.


This forum is majority female:


http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RetiredAt63 on November 28, 2014, 06:07:07 AM
Sorry in advance, I am going to totally derail this mini-thread.

Lots of us probably have gender neutral names - I do.

So GrayGhost, why do you assume everyone you come across online is a man?  There are lots of women (clearly identified as such) posting on the journal group.

When I am on Ravelry I assume the odds are high (but definitely not 100%) that a gender-neutral name is a female poster, but there are men there too.  However it is a site about an activity that tends to be engaged in more by women.  Finance is gender neutral.  0r to be more realistic, since on average women live longer than men, we should be more interested in our financial futures, not less, than men are.  So should I assume that most people on here, not clearly identified as men, are women?  Especially since my gut feeling is that women are more likely to be ambiguous about gender identificaiton on an open forum?

I assume that everyone I come across online is a man, but in fairness, I know there are definitely a few mustachian ladies out there. It's just a different set of temptations for them than there are for men. They're told that they must spend money on clothing and makeup, we're told we must spend money on sportscars and I don't know/care what else.


This forum is majority female:


http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on November 28, 2014, 08:22:55 AM
On Wednesday, I contacted our 401k plan administrator and found out that the mega Backdoor Roth is a valid option at my company. My coworker overheard, leading to an in depth discussion on how this changed the game since he and his wife also max out their 401ks. He got excited when he read the Mad FIentist article and was going to bring the article home to discuss strategy with his wife.

He also talked about how he was excited that his 8 year old son could get a job when he hit 16 just so he could help him start a Roth.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on November 28, 2014, 10:20:55 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rural on November 28, 2014, 10:37:21 AM


On the topic of assumptions: Most forums have male dominance. Males do more internet, too.


Data?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on November 28, 2014, 10:44:30 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.
Actually for a survey that actually may hit statistical significance. But you'd have to account for self-selection and I don't have the stats on the difference between men and women in filling out online surveys.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Albert on November 30, 2014, 02:43:17 PM
I spoke few days ago with one of the trainees (a student basically) we have at work about the expense of living here and was really impressed that he manages to live just fine on about 1,000$ a month. Just for a perspective the equivalent would be living in NYC or San Francisco on 20k. May apartment alone costs 1,600….
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FoundPeace on December 01, 2014, 04:02:52 PM
A coworker from a different location told me today that he plans to retire between 30 and 35. He hasn't exactly figured out how to do it yet, but he is saving a good deal of his pay check to do so. I excitedly told him that I was doing this too. I then told him about index funds and that I was currently doing some tax reduction planning. He said that he would look at MMM and look into index funds.

I haven't ever gotten along with the guy, but maybe things will change now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alenzia on December 16, 2014, 12:24:23 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dios.del.sol on December 16, 2014, 01:25:24 PM
Running a quick Chi square test...
Someone just got nerd sniped (http://www.xkcd.com/356/)! That's never happened to me. ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on December 16, 2014, 03:04:52 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on December 16, 2014, 03:59:23 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on December 16, 2014, 04:27:22 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on December 16, 2014, 04:44:00 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on December 16, 2014, 04:46:59 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.

93.6% chance we're right isn't good enough? The usual cutoff of. 05 is more when you can start to mention it in a paper, not that it didn't tell you which direction you should be looking.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on December 16, 2014, 06:24:01 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.

93.6% chance we're right isn't good enough? The usual cutoff of. 05 is more when you can start to mention it in a paper, not that it didn't tell you which direction you should be looking.
This is not what the p value means. From Wikipedia (if you don't trust Wikipedia, I'm sure I could find a better source with better searching).
Quote
There are several common misunderstandings about p-values.[15][16]

    The p-value is not the probability that the null hypothesis is true, nor is it the probability that the alternative hypothesis is false – it is not connected to either of these. In fact, frequentist statistics does not, and cannot, attach probabilities to hypotheses. Comparison of Bayesian and classical approaches shows that a p-value can be very close to zero while the posterior probability of the null is very close to unity (if there is no alternative hypothesis with a large enough a priori probability and which would explain the results more easily). This is Lindley's paradox. But there are also a priori probability distributions where the posterior probability and the p-value have similar or equal values.[17]
    The p-value is not the probability that a finding is "merely a fluke." Calculating the p-value is based on the assumption that every finding is a fluke, that is, the product of chance alone. Thus, the probability that the result is due to chance is in fact unity. The phrase "the results are due to chance" is used to mean that the null hypothesis is probably correct. However, that is merely a restatement of the inverse probability fallacy, since the p-value cannot be used to figure out the probability of a hypothesis being true.
    The p-value is not the probability of falsely rejecting the null hypothesis. This error is a version of the so-called prosecutor's fallacy.
    The p-value is not the probability that replicating the experiment would yield the same conclusion. Quantifying the replicability of an experiment was attempted through the concept of p-rep.
    The significance level, such as 0.05, is not determined by the p-value. Rather, the significance level is decided by the person conducting the experiment (with the value 0.05 widely used by the scientific community) before the data are viewed, and is compared against the calculated p-value after the test has been performed. (However, reporting a p-value is more useful than simply saying that the results were or were not significant at a given level, and allows readers to decide for themselves whether to consider the results significant.)
    The p-value does not indicate the size or importance of the observed effect. The two do vary together however–the larger the effect, the smaller sample size will be required to get a significant p-value (see effect size).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: domustachesgrowinhouston on December 16, 2014, 07:49:58 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.

93.6% chance we're right isn't good enough? The usual cutoff of. 05 is more when you can start to mention it in a paper, not that it didn't tell you which direction you should be looking.
This is not what the p value means. From Wikipedia (if you don't trust Wikipedia, I'm sure I could find a better source with better searching).
Quote
There are several common misunderstandings about p-values.[15][16]

    The p-value is not the probability that the null hypothesis is true, nor is it the probability that the alternative hypothesis is false – it is not connected to either of these. In fact, frequentist statistics does not, and cannot, attach probabilities to hypotheses. Comparison of Bayesian and classical approaches shows that a p-value can be very close to zero while the posterior probability of the null is very close to unity (if there is no alternative hypothesis with a large enough a priori probability and which would explain the results more easily). This is Lindley's paradox. But there are also a priori probability distributions where the posterior probability and the p-value have similar or equal values.[17]
    The p-value is not the probability that a finding is "merely a fluke." Calculating the p-value is based on the assumption that every finding is a fluke, that is, the product of chance alone. Thus, the probability that the result is due to chance is in fact unity. The phrase "the results are due to chance" is used to mean that the null hypothesis is probably correct. However, that is merely a restatement of the inverse probability fallacy, since the p-value cannot be used to figure out the probability of a hypothesis being true.
    The p-value is not the probability of falsely rejecting the null hypothesis. This error is a version of the so-called prosecutor's fallacy.
    The p-value is not the probability that replicating the experiment would yield the same conclusion. Quantifying the replicability of an experiment was attempted through the concept of p-rep.
    The significance level, such as 0.05, is not determined by the p-value. Rather, the significance level is decided by the person conducting the experiment (with the value 0.05 widely used by the scientific community) before the data are viewed, and is compared against the calculated p-value after the test has been performed. (However, reporting a p-value is more useful than simply saying that the results were or were not significant at a given level, and allows readers to decide for themselves whether to consider the results significant.)
    The p-value does not indicate the size or importance of the observed effect. The two do vary together however–the larger the effect, the smaller sample size will be required to get a significant p-value (see effect size).

What a beautiful example of alliteration.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on December 17, 2014, 03:35:50 AM
Running a quick Chi square test...
Someone just got nerd sniped (http://www.xkcd.com/356/)! That's never happened to me. ;)
hmm...
3pt for skunkfunk and Gin1984 each
1pt each for WP quoter and Alliteration?
=8PT
not bad for one post.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alenzia on December 17, 2014, 09:58:31 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.

93.6% chance we're right isn't good enough? The usual cutoff of. 05 is more when you can start to mention it in a paper, not that it didn't tell you which direction you should be looking.

Given that the initial hypothesis was that there are significantly more men than women on the forum, which later was argued against using the survey data (and stating that there are more women than men), I'd say that the survey results do disprove that there are more men than women on the forum at the very least. Yay surveys!

Also, it made me glad to see that there are many other women on this forum - yes, there are women who are anti-mustachian with additional expenses like makeup, jewelry, and clothes, but there are many who aren't that way!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on December 17, 2014, 10:52:49 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

.05 is a pretty arbitrary cutoff. I think in this instance we don't need to have any more confidence to call the race, assuming of course like you say there isn't any bias we are missing. It's not like we actually need to be right, anyway. If anything of significance was riding on this I would call for more testing, but meh.
Yes, it is but it is a cut off determined by researchers in human research for many years.  Unless we get there I am going to stick with, we don't know.

93.6% chance we're right isn't good enough? The usual cutoff of. 05 is more when you can start to mention it in a paper, not that it didn't tell you which direction you should be looking.

Given that the initial hypothesis was that there are significantly more men than women on the forum, which later was argued against using the survey data (and stating that there are more women than men), I'd say that the survey results do disprove that there are more men than women on the forum at the very least. Yay surveys!

Also, it made me glad to see that there are many other women on this forum - yes, there are women who are anti-mustachian with additional expenses like makeup, jewelry, and clothes, but there are many who aren't that way!
I like makeup (expensive kind), jewelry and clothes.  However, I like time more than makeup so only use it when dressing up/presenting and because it is a good quality, it lasts.  I get giving most of my jewelry and what I buy is normally used.  And clothes, well that is used or gifted normally as well.  Just because people like those items does not mean they cannot be mustachian. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alenzia on December 17, 2014, 10:57:19 AM
That's true, Gin1984, I'm sorry I made the assumption.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: intirb on December 17, 2014, 01:48:22 PM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

Or we could take a Bayesian approach to the problem.  Let's say there are two people:  Blue believes that most internet forums are generally evenly distributed, and Red believes that forums are typically about 70% male, with <10% of forums having 50% or more women.  These are just beliefs that two people have accumulated through experience, and without any other information, it makes sense for Red and Blue to make similar assumptions about this forum.  Now we've got some data, through the survey, and Bayes' rule tells each person how to update their beliefs about this forum with the given data.

(http://i.imgur.com/hQXOQKJ.png)

For both Red and Blue, the additional data now lead them both to believe that there are likely more women than men in this forum.  The outcomes are slightly different, since they had different starting beliefs, but 355 people is a lot of people, so the data are definitely dominating the outcome.  Maybe someone can help me add in assumptions about women being more likely to answer the poll.


This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

There's a famous joke about this..  If you don't believe a small random sample can work, then when you need to get bloodwork done, tell your doctor to take it all.  Statistics were designed precisely to help us draw inferences from small samples, and actually, 2% sampling is a huge amount compared to a lot of work being done all the time.

Something sort of on topic, because I realize I've veered way off course: today we had a going away party for a coworker during lunch, and we celebrated by everyone bringing their packed lunch and eating together in the break room.  The departing coworker brought cake.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: viper155 on December 22, 2014, 11:27:56 AM
I love when my work buddies all sit around and brag about their iPhones. I casually break out my 8 year old flip phone and let them make fun of it then gently tell them I own the greatest Apple product of them all......their stock. Then thank them for their "donations".
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Less on December 22, 2014, 12:07:46 PM
I am sure this has done the rounds, but for those of you who missed it:
https://kyleconroy.com/apple-stock (https://kyleconroy.com/apple-stock)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Elderwood17 on December 22, 2014, 12:10:26 PM
I love when my work buddies all sit around and brag about their iPhones. I casually break out my 8 year old flip phone and let them make fun of it then gently tell them I own the greatest Apple product of them all......their stock. Then thank them for their "donations".
I like it!  May have to borrow that line.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: golden1 on December 22, 2014, 12:15:56 PM
The co worker who trained me is the most mustachian person I know.  He eats rice and beans most days for work and never eats out.  He takes the train to work, doesn't even own a car.  He paid off his mortgage on his condo years ago.  He only drinks water, never any coffee or anything like that.  He basically sends his salary home to his family in Venezuela and saves the rest.   He always inspires me to be thankful for what I have.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: viper155 on December 23, 2014, 08:31:05 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.

Could be that in Manhattan it's not an abundance of stuff but a lack of square footage to keep it in.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on December 23, 2014, 08:58:51 AM
For the most part, the people here are pretty mustachian. I believe that my manager is actually on this site, or has been in the past. Another guy rents an apartment with a roommate, just bought a new Honda Accord that I expect he'll keep for 15 years. Another walks to work, another makes her own laundry detergent. Obviously everyone has non-mustachian aspects to their lives as well, but I have very few anti-mustachian stories from here. Most of the ones I do have would still be considered financially sound--they'd probably fit in at the Boglehead forums.

I suspect I'm the only one putting away over 40% of my paycheck, but I wouldn't be surprised to find out that I'm not.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Cinder on December 24, 2014, 07:32:59 PM
It's not at work, but it's at home while on vacation from work, so it counts ;)

While at my family Christmas gathering, my aunts and uncles (7 including my father) were reliving their childhood.    They were talking about how as members of a large family while times were tough, they each only got ONE present each Christmas.  In lieu of actual toys, they would cut out the people from the Sears-Roebuck catalogue. They would cut out clothes for the people, they would cut out a picture of a washing-machine to 'wash their clothes'.  They would cut out tires from cars, put them on cardboard and stick them on the side of shoe boxes.   You could tell by the gleam in their eye that they probably had just as much fun with cutouts from the catalogue  as they would have from real toys.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: babysnowbyrd on December 24, 2014, 10:46:54 PM
Surprised to find I'm enjoying this thread even more than the other one!

Agreed! Unfortunately my stories will belong in the other thread.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 24, 2014, 11:11:26 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 !@#$%^&*, *I* have more than that."
CW: "Yeah, I think my cat has more than that."

That cat is part of the 1%.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 24, 2014, 11:39:46 PM
http://littlemissdorkette.tumblr.com/post/3118512524/date-a-girl-who-reads-by-rosemarie-urquico

Reading this moved me far more than I expected. Thank you SO much for sharing - you made my day (at 2am, no less.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 24, 2014, 11:43:49 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.

LOL
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on December 25, 2014, 01:47:44 AM
http://littlemissdorkette.tumblr.com/post/3118512524/date-a-girl-who-reads-by-rosemarie-urquico

Reading this moved me far more than I expected. Thank you SO much for sharing - you made my day (at 2am, no less.)
Pleased to hear that ^^
It moved me a lot, too.
If you like it, perhaps you will also like the "Book Girl" (bungaku shoujo) series. I just got the book 2-8 for christmas after seeing the film and reading the first book. I just adore Tohko (the book girl, who... no, thats a secret :D).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 25, 2014, 06:11:22 AM
They said if we would max out our 401k (and also get the *50%* match)

HOLY COW.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 25, 2014, 06:37:37 AM
I assume that everyone I come across online is a man, but in fairness, I know there are definitely a few mustachian ladies out there. It's just a different set of temptations for them than there are for men. They're told that they must spend money on clothing and makeup, we're told we must spend money on sportscars and I don't know/care what else.


This forum is majority female:


http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)

Or... do women answer surveys more often then men?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Hey It's Me on December 25, 2014, 06:44:35 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on December 25, 2014, 09:21:20 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on December 26, 2014, 09:19:02 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.

Agreed!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on December 26, 2014, 10:41:11 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do? 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on December 26, 2014, 10:43:23 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?

You wouldn't take this as a hint that you might be looking in the right direction? Really? "Guys, P was only .1, we have nothing here. Scrap it."

I wouldn't put it in a paper, but with a limited sample, it's a nice clue.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on December 26, 2014, 10:45:20 AM
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?
from my experience either Deutsche Bahn Wettervorhersage or something with terrorism.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gin1984 on December 26, 2014, 10:48:43 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?

You wouldn't take this as a hint that you might be looking in the right direction? Really? "Guys, P was only .1, we have nothing here. Scrap it."

I wouldn't put it in a paper, but with a limited sample, it's a nice clue.
As I said ".064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know."   Given that the sample size is large enough, unless there is data to suggest that one gender does online surveys more than the other, there is nothing more to be done.  It is not like the sample size is ten or something. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jba302 on December 26, 2014, 11:58:16 AM
May be relevant -

http://files.eric.ed.gov/fulltext/ED501717.pdf
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Miamoo on January 01, 2015, 09:41:08 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?

You wouldn't take this as a hint that you might be looking in the right direction? Really? "Guys, P was only .1, we have nothing here. Scrap it."

I wouldn't put it in a paper, but with a limited sample, it's a nice clue.
As I said ".064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know."   Given that the sample size is large enough, unless there is data to suggest that one gender does online surveys more than the other, there is nothing more to be done.  It is not like the sample size is ten or something.

I have a headache now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on January 01, 2015, 09:47:19 PM
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?
from my experience either Deutsche Bahn Wettervorhersage or something with terrorism.

Too many quotes, cannot tell who I am responding to anymore.

Semiconductor process engineering.  Generally, we have fairly limited sample sets on our planned experiments.  A lot of our data comes from massive "in line" data sets with a lot of confounding and unknown variables.  So our data analysis is one of the two.  A small sample set of 6-10, or a very large set with a lot of unknowns.

That said, if we run an experiment with several variables (2-7, generally), and one of them comes out around 0.1 or lower, it's an indication of a correlation. In that case, we would continue with more experiments, where we would focus our attention on that variable (or those, if there are more than one that fell into that category), and attempt to hold the remaining uncorrelated variables constant.

There's a lot of noise and a lot of "unintentional" differences.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: babysnowbyrd on January 02, 2015, 01:24:44 AM
Now this one's getting foamy...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JustPlainBill on January 02, 2015, 11:52:12 AM
Just pilfer the important office supplies (pens, Post-Its, highlighters, laptops if u can), sell them on EBay, and make life simple.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on January 15, 2015, 03:39:54 PM
So my office-mate is getting married next year and just bought a house in our pricey area.  He decided it's time to stop living paycheck to paycheck, so he started taking a certain amount of cash out of the bank weekly, and when it's gone, it's gone.

He also started packing lunch more.

First week? He only spent half (of course his girl friend called him cheap, but she'll get over it I think)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on January 16, 2015, 01:11:51 AM
I had a unique experience today.

I work as a traveling delivery contractor for Home Depot. I travel all over the country filling specific roles when necessary, and so I get to meet people from all over the US. It's pretty awesome.

Today, the delivery to be made, was a lumber package for a property for one of the home depot employees. Nothing odd about this so far, just some guy buying wood for his new house. Awesome.

 But then I find that it's actually the lumber package for ONLY the ground floor of a two story, 8 unit, multi family resident.

Then I get to the delivery site and realize that 8-plex number on is already built/leased, this is 8-plex number 2, and the foundation for the 3rd scheduled is for the spring, and the 4th/5th soon after.

Then I find out that there's two 6-plexes on the plans as well.

This son-nom-beech is 43, won't commit to tell me how many CURRENT units he already owns, but is currently in the process of adding 52 unites ((5 units x 8)+(2 units x 6)) to his portfolio by this time next year.

He works at the Home Depot. Annual wage MIGHT be 50k a year.

He told me he bought his first house/property 15 year ago at age 28, it was a Duplex. The light switch flipped when he realized the second unit was paying the mortgage and he was living for free.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on January 16, 2015, 01:42:11 AM
I had a unique experience today.

I work as a traveling delivery contractor for Home Depot. I travel all over the country filling specific roles when necessary, and so I get to meet people from all over the US. It's pretty awesome.

Today, I'm currently in Onalaska, Wisconsin. The delivery to be made, was a lumber package for a property for one of the home depot employees. Nothing odd about this so far, just some guy buying wood for his new house. Awesome.

 But then I find that it's actually the lumber package for ONLY the ground floor of a two story, 8 unit, multi family resident.

Then I get to the delivery site and realize that 8-plex number on is already built/leased, this is 8-plex number 2, and the foundation for the 3rd scheduled is for the spring, and the 4th/5th soon after.

Then I find out that there's two 6-plexes on the plans as well.

This son-nom-beech is 43, won't commit to tell me how many CURRENT units he already owns, but is currently in the process of adding 52 unites ((5 units x 8)+(2 units x 6)) to his portfolio by this time next year.

He works at the Home Depot. Annual wage MIGHT be 50k a year.

He told me he bought his first house/property 15 year ago at age 28, it was a Duplex. The light switch flipped when he realized the second unit was paying the mortgage and he was living for free.
Why does he still work at Home Deopt? Does he get everything he need for his houses cheaper?
That said, after my first 52 units I would definitely have stopped working anyway lol.
If he goes on with this speed he has build a whole town when he is dead.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on January 16, 2015, 02:21:59 AM
I had a unique experience today.

I work as a traveling delivery contractor for Home Depot. I travel all over the country filling specific roles when necessary, and so I get to meet people from all over the US. It's pretty awesome.

Today, I'm currently in Onalaska, Wisconsin. The delivery to be made, was a lumber package for a property for one of the home depot employees. Nothing odd about this so far, just some guy buying wood for his new house. Awesome.

 But then I find that it's actually the lumber package for ONLY the ground floor of a two story, 8 unit, multi family resident.

Then I get to the delivery site and realize that 8-plex number on is already built/leased, this is 8-plex number 2, and the foundation for the 3rd scheduled is for the spring, and the 4th/5th soon after.

Then I find out that there's two 6-plexes on the plans as well.

This son-nom-beech is 43, won't commit to tell me how many CURRENT units he already owns, but is currently in the process of adding 52 unites ((5 units x 8)+(2 units x 6)) to his portfolio by this time next year.

He works at the Home Depot. Annual wage MIGHT be 50k a year.

He told me he bought his first house/property 15 year ago at age 28, it was a Duplex. The light switch flipped when he realized the second unit was paying the mortgage and he was living for free.
Why does he still work at Home Deopt? Does he get everything he need for his houses cheaper?
That said, after my first 52 units I would definitely have stopped working anyway lol.
If he goes on with this speed he has build a whole town when he is dead.

I'm headed back to work tomorrow and will have the opportunity to answer this better. He has owned at least a few duplexes for over 10 years, but I don't know how many other properties he owns besides the 52 units he is currently building. He would only say, "yea, you know, a few"

He's a 50/50 partner in this particular property investment with some other guy (young at age 38).

During the delivery I met the general contractor for the buildings and he told met that each 8-plex costs about $600k to build. The land was $40k per 8-plex. Each unit in the 8-plex rents for $917/Unit.

Assuming he bought the land for each unit with cash,  a 30 yr / $600k mortgage at 4.5% would cost him $3706/mo.

Income will be $917x8 @ $7336/mo  - $3706 = $3630/unit/mo

5units at $3630 = $18150/mo divided by two for 50% share is $9075/mo

Not sure how much the future 6plex's will cost/earn, but undoubtedly they will be profitable.

On my way out the door, I looked him straight in the face, and asked him "Why are you still here, working at Home Depot? When will you walk away? Anyone with half a brain can see that these new rental units will earn you a 2-3 multiple per month of what you could possibly earn here, NOT including the earned equity."

He didn't answer as a customer interrupted. I aim to find out when I get back to the store!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: GrayGhost on January 16, 2015, 01:10:50 PM
He probably does it for fun and to maintain a social life, or something like that. Sounds like a cool guy.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: babysnowbyrd on January 16, 2015, 01:31:25 PM
I hope it's for fun. I'll be sad if he's stuck spending most of his earnings to keep pace with consumerism. I hope he's psychologically free and happy and just likes what he's doing.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on January 16, 2015, 08:10:12 PM
He probably does it for fun and to maintain a social life, or something like that. Sounds like a cool guy.

I hope it's for fun. I'll be sad if he's stuck spending most of his earnings to keep pace with consumerism. I hope he's psychologically free and happy and just likes what he's doing.

I'm not yet certain if he's got the capacity, either mentally or fiscally to retire. I get the picture that he probably doesn't have a clear path outlined.

When I brought up the 5% 401k matching offered by Home Depot while sitting around the front desk. I asked a couple of the people there if they contribute. The response, "Pssssh. Uh, no."

However, I brought it up with the property guru and he looked at me aghast when I told him about the others. "BUT IT'S FREE MONEY!" he said. Yes, I know man, but you can't change people. To which we agreed.

The topic came up about retirement. He couldn't possibly be earning as much as his passive investments. He agreed that no, he couldn't. I asked him, when are you going to quit? He said, you know I have two young sons, they play hockey, it's an expensive sport. I'm still young, and it gives me something to do during the day.

I laughed, and told him he doesn't get paid enough to do what he does, and should become a full time stay at home dad :)

I made a quip about the fallacy of working past the point that your passive investment income is larger than your current living expenses. It's a case of the CREEP / What-if-itis that keeps people working. It took my dad 4 years to FINALLY accept/realize that he didn't need to go to work anymore. He could stop. And so he retired overnight.

This man has an acute case of the creep, and what-if-itis. He doesn't have the formal knowledge of what his total investments are really capable of. He hasn't done the math.  I'm only 43, he said. (Like he didn't think that was old enough to retire yet... WRONG!)

I told him I had a 7-8 year plan and he looked up suddenly and blanched. Wait, you're 28 right, that puts you at 35/36? Really, you'll be able to /plan to retire that soon?

I said, I sure as hell plan on it. Whether or not it happens is circumstantial, but it's all about the F-U money. Earning the right to be free for yourself, such that you determine the next step, not someone else.

He agreed with that. This guy is inherently Mustachian, but doesn't know his true capacity.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on January 16, 2015, 09:18:36 PM
He probably does it for fun and to maintain a social life, or something like that. Sounds like a cool guy.

I hope it's for fun. I'll be sad if he's stuck spending most of his earnings to keep pace with consumerism. I hope he's psychologically free and happy and just likes what he's doing.

I'm not yet certain if he's got the capacity, either mentally or fiscally to retire. I get the picture that he probably doesn't have a clear path outlined.

When I brought up the 5% 401k matching offered by Home Depot while sitting around the front desk. I asked a couple of the people there if they contribute. The response, "Pssssh. Uh, no."

However, I brought it up with the property guru and he looked at me aghast when I told him about the others. "BUT IT'S FREE MONEY!" he said. Yes, I know man, but you can't change people. To which we agreed.

The topic came up about retirement. He couldn't possibly be earning as much as his passive investments. He agreed that no, he couldn't. I asked him, when are you going to quit? He said, you know I have two young sons, they play hockey, it's an expensive sport. I'm still young, and it gives me something to do during the day.

I laughed, and told him he doesn't get paid enough to do what he does, and should become a full time stay at home dad :)

I made a quip about the fallacy of working past the point that your passive investment income is larger than your current living expenses. It's a case of the CREEP / What-if-itis that keeps people working. It took my dad 4 years to FINALLY accept/realize that he didn't need to go to work anymore. He could stop. And so he retired overnight.

This man has an acute case of the creep, and what-if-itis. He doesn't have the formal knowledge of what his total investments are really capable of. He hasn't done the math.  I'm only 43, he said. (Like he didn't think that was old enough to retire yet... WRONG!)

I told him I had a 7-8 year plan and he looked up suddenly and blanched. Wait, you're 28 right, that puts you at 35/36? Really, you'll be able to /plan to retire that soon?

I said, I sure as hell plan on it. Whether or not it happens is circumstantial, but it's all about the F-U money. Earning the right to be free for yourself, such that you determine the next step, not someone else.

He agreed with that. This guy is inherently Mustachian, but doesn't know his true capacity.

I mean, this guy is doing well but it sounds like he has a very concentrated bet in a particular rental market.  Maybe he recognizes the danger in that.

On the other hand, maybe he's just working at HD for fun.  HD always seemed like it could be a pretty fun laid back job (minus holidays).   Leave the guy alone :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on January 17, 2015, 09:13:14 AM
Quote
I mean, this guy is doing well but it sounds like he has a very concentrated bet in a particular rental market.  Maybe he recognizes the danger in that.

On the other hand, maybe he's just working at HD for fun.  HD always seemed like it could be a pretty fun laid back job (minus holidays).   Leave the guy alone :)

The rental units were a 6-7 year long plan in the making. They are within 10 minutes of a major manufacturing plant that has been busy for the past 20 years. There is a severe lack of housing in the area. It's a calculated risk, which he recognizes. If the market for the manufacturing plants dry up, he'll be left with some vacant rentals...

He's definitely a laid back dude, working a laid back position at HD. It's fun to meet a guy like him!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on January 21, 2015, 07:05:56 PM
Found out several of my coworkers max out their 401k's, all of whom are mid-30s or younger..
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on January 21, 2015, 07:12:10 PM
Found out several of my coworkers max out their 401k's, all of whom are mid-30s or younger..
Whoo!
Have you mentioned MMM to them at all? Sounds like they'd be receptive.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on January 26, 2015, 10:29:07 AM

This forum is majority female:
http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/ (http://forum.mrmoneymustache.com/welcome-to-the-forum/what-gender-are-you/)
So, from 355 votes (and I think males vote less on that) you say that the majority of of 14682 total members is male?
Get a statistics class please ;)
(On that a sidenote: NEVER trust a poll where you dont know the excact question and how they did it. Depeding on the wording of the question alone you can get 91% for and 92% against something.)

On the topic of assumptions: Most forums have male dominance. Males do more internet, too.

Running a quick Chi square test with an assumed 50/50 distribution, we get a two-tailed P=0.064, which is barely not enough to reject the null hypothesis that there are as many men as women on this forum (P>0.05). A bigger N actually may have pushed it over to prove that there are more women than men here.

It of course does not assume any selection bias, but I wouldn't be too concerned about the phrasing of a question of gender, since it's not an ambiguous question (as opposed to "are you for or against" type questions). I would not assume that most people on this forum are men.

.064 hints very, very strongly, more strongly than other stuff that has been acted upon before.
.064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know.

In the interest of stopping this discussion... here is the alexa data on MMM users. (http://www.alexa.com/siteinfo/mrmoneymustache.com+)
That was interesting.

I'm no statistician (and my grad school stats class was almost 2 decades ago), but in my engineering job, if I get 0.1, we consider it a very strong suggestion of a correlation.
P=.1?  Really?  As someone whose undergrad had a concentration in stats, that scares me.  We teach freshman year stats students that significance is .05 or less (for some fields even .01).  I am in research and if someone even did a poster with .1, I'd be rolling my eyes.  What kind of engineering do you do?

You wouldn't take this as a hint that you might be looking in the right direction? Really? "Guys, P was only .1, we have nothing here. Scrap it."

I wouldn't put it in a paper, but with a limited sample, it's a nice clue.
As I said ".064 is not statistically significant.  All it hints is that we may be able to get significance if we increase the N large enough.  However, for a survey over 300 is normally enough unless their is bias, which I don't know."   Given that the sample size is large enough, unless there is data to suggest that one gender does online surveys more than the other, there is nothing more to be done.  It is not like the sample size is ten or something.

I have a headache now.

Relevant. http://xkcd.com/1478/
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JetBlast on January 28, 2015, 11:34:44 PM
On my commute home yesterday I got to chatting with one of the flight attendants and the subject of work schedules came up. He said he was working six days in a row, one off, then six more in a row. I commented that it sounded pretty tiring and he said "It's what I bid for. I'm trying to pay off my 30 year mortgage in nine years."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: partgypsy on January 29, 2015, 05:37:50 AM
I don't have much to contribute to the other thread. Maybe the people I work with are not representative of usual American employees? I work at a federal research center. As you know we went 3, 4 years without a cost of living increase. At least on my floor (thinking about our shared kitchen) most people bring their home cooked leftovers for lunch, do not dress flashy (or dress more casual than I do (IT), I can think of only a couple expensive cars in our department. An older gentlemen bikes to and from work even though he lives 15, 20 miles away, and often shares produce from his garden. Gardening/homesteading seems like a popular occupation.
I went to a mid year retirement with some of them, and one of them who I think is the same age or a little younger than me, was disappointed she could not retire and get her health benefits before her earliest retirement age (56 or 57). So I think she is already ready to retire, financially speaking, but is going to wait so she can have continuity with her health insurance. 
So basically I'm the slacker compared to a number of these people.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie on February 04, 2015, 09:32:02 AM
Two from today:

CW1: "I just cancelled my Amazon Prime account. Figured I wasn't using $99 worth of two-day shipping in a year."

And after the topic of credit card rewards came up, CW2 told us that his wife is super into credit card/travel hacking and their recent trip to Vegas was completely paid for by points.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: russianswinga on February 04, 2015, 12:25:23 PM

CW1: "I just cancelled my Amazon Prime account. Figured I wasn't using $99 worth of two-day shipping in a year."


My wife and I make good use of our Prime. Between that and Costco, it fills 85% of our household needs. Everything from cat food to diapers, faucets for bathroom remodel (a necessity, not a luxury), etc.

My "Prime" hack is that my university I graduated from 10 years ago grandfathered email addresses for life, forwarded to any address of your choice. So I have a @edu email address, making my Prime a Student account, at 1/2 the membership fee.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on February 05, 2015, 03:46:09 AM
isnt Amazon more expensive then buying where you are?
At least it is 30%-50% more then in the supermarket here in germany.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: GrayGhost on February 05, 2015, 01:51:55 PM
It really depends. For some things, like HDMI cables, Amazon offers reasonable prices whereas convenience stores and the big boxes are often extortionate. For other things, like food, Amazon is more expenses.

Bottom line is to shop around.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on February 05, 2015, 02:12:56 PM
It really depends. For some things, like HDMI cables, Amazon offers reasonable prices whereas convenience stores and the big boxes are often extortionate. For other things, like food, Amazon is more expenses.

Bottom line is to shop around.
lol ok, never buy cables in stores, its cheaper even with the 3€ post cost.

But I dont buy (non-eat)-things that often that the price would be justified. At least not things I would send. Never considered toilet paper something to be send ;) Or most of other "household needs". That also includes things for pets and babies, even if here would be one
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on February 09, 2015, 09:37:47 PM
I just had this conversation last night with a friend. We were chatting about our previous travels. We met in Peru while we were both on the road (she's currently traveling now in Argentina after returning to South America 4 years later). She asked me when/where I would probably head to next.

This is how the following conversation reads:
Coworker: So you are deciding between playing it safe with the current job, or traveling to work abroad again?
Me: Honestly I see very little chance that I will live and work anywhere in a foreign country in the next 7-10 years. I'm on a 7-10 year plan to retirement. Believe it or not, our cost of living is so low (we're super damn frugal) that if our incomes meet the standardized average for where we live, and we save/invest the rest we'll end up with enough wealth to generate a passive income by that time. And, I work from home, honestly enjoy my job, have a awesome time with my friends where I live, and though and wistful of traveling allllll the time, I realize that there is greater potential for me in the short term if I buckle down and invest my time in earning money to support my future retirement well before the age of 40. So, that being said, I will put my massive traveling urges on a rather long hiatus, and keep myself happy with short trips while planning my MASSIVE trip for the rest of my life starting in 8-10 years. Ergo, we're planning our expedited path to financial independence so that we can retire early.
Coworker: (Throws me for a huge loop):That makes total sense. The travel lifestyle isn't one that sets you up for life so you need to make your priorities and sounds like you have it all under control.
Me: Well, thanks! I'm glad you can relate!
Coworker: Of course. I just bought a house last month, massive commitment. But feeling that same sort of 'need to start setting myself up' pinch
Me: So what are you up to now, you stopped working about 7 months ago yea? But you just bought a house last month($370k AUD), what are the terms on your mortgage.
Coworker: Right, so I don't have one. I came into some money last year, it's complicated. I haven't saved for this myself but thats not something I generally share.
Me: I can appreciate that, finances are a closely guarded thing for most people. I hope everyone in your family is okay.
Coworker: So my father passed away at the end of 2014. After battling cancer for 8 years. And I dont have a mother, so I received what I did because I have no parents. Which isn't an ideal situation but its life!
Me:Damn! That is terrible. I can relate. I send you hugs
Coworker: Thanks
Me:I'm so glad you invested your money. Real Estate is pretty low risk if you buy right.
Coworker: I've got a safety blanket left over. I got some serious finanical planning advice  and got the whole speal about high/low risk etc. I felt I just dont understand shares/bonds etc enough to invest in that. And I can live in my property, I cant live in my shares if it all falls to crap! My biggest fear is fucking it up and blowing it. I mean, I havent even spent any yet - I am living off the interest and rents I am receiving. Though house had a tenant in it when I bought it.
Me:Thank god you have the fear of reason ingrained.
Me: Wait, did you say that you can afford your current lifestyle on the interest you are earning?
Coworker: Yeah, at the moment. I just couldnt think of anything worse than going through everything I did, and the result being anything else than setting myself up for life.
Me: Are you aware that you can essentially retire?
Coworker:Yeah, thats kind of what I have done
Me:That is the whole definition of Financial Independence! Here I am, telling you my secret plan to retire early,  that none of my friends understand, And YOU have already done it.
Coworker: My situation is rather unique. So I understood where you were coming from
Me:You brilliant, beautiful, breath taking success!

Suffice it to say that my friend endured an extreme familial hardship and is now left with no parents at the age of 28. However in light of this, and in lieu of a father that clearly came from a frugal background and understood long term investing, my friend is the heir of a rather sizable sum of money that was nearly immediately invested in a property (and high interest yielding bank accounts) that return 5.9% in rents on the purchase price. She understands the value of money in it's true sense and realizes that it can buy freedom if properly handled. She is a new hero of mine.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Adventine on February 09, 2015, 11:53:18 PM
I just had this conversation last night with a friend. We were chatting about our previous travels. We met in Peru while we were both on the road (she's currently traveling now in Argentina after returning to South America 4 years later). She asked me when/where I would probably head to next.

This is how the following conversation reads:
Coworker: So you are deciding between playing it safe with the current job, or traveling to work abroad again?
Me: Honestly I see very little chance that I will live and work anywhere in a foreign country in the next 7-10 years. I'm on a 7-10 year plan to retirement. Believe it or not, our cost of living is so low (we're super damn frugal) that if our incomes meet the standardized average for where we live, and we save/invest the rest we'll end up with enough wealth to generate a passive income by that time. And, I work from home, honestly enjoy my job, have a awesome time with my friends where I live, and though and wistful of traveling allllll the time, I realize that there is greater potential for me in the short term if I buckle down and invest my time in earning money to support my future retirement well before the age of 40. So, that being said, I will put my massive traveling urges on a rather long hiatus, and keep myself happy with short trips while planning my MASSIVE trip for the rest of my life starting in 8-10 years. Ergo, we're planning our expedited path to financial independence so that we can retire early.
Coworker: (Throws me for a huge loop):That makes total sense. The travel lifestyle isn't one that sets you up for life so you need to make your priorities and sounds like you have it all under control.
Me: Well, thanks! I'm glad you can relate!
Coworker: Of course. I just bought a house last month, massive commitment. But feeling that same sort of 'need to start setting myself up' pinch
Me: So what are you up to now, you stopped working about 7 months ago yea? But you just bought a house last month($370k AUD), what are the terms on your mortgage.
Coworker: Right, so I don't have one. I came into some money last year, it's complicated. I haven't saved for this myself but thats not something I generally share.
Me: I can appreciate that, finances are a closely guarded thing for most people. I hope everyone in your family is okay.
Coworker: So my father passed away at the end of 2014. After battling cancer for 8 years. And I dont have a mother, so I received what I did because I have no parents. Which isn't an ideal situation but its life!
Me:Damn! That is terrible. I can relate. I send you hugs
Coworker: Thanks
Me:I'm so glad you invested your money. Real Estate is pretty low risk if you buy right.
Coworker: I've got a safety blanket left over. I got some serious finanical planning advice  and got the whole speal about high/low risk etc. I felt I just dont understand shares/bonds etc enough to invest in that. And I can live in my property, I cant live in my shares if it all falls to crap! My biggest fear is fucking it up and blowing it. I mean, I havent even spent any yet - I am living off the interest and rents I am receiving. Though house had a tenant in it when I bought it.
Me:Thank god you have the fear of reason ingrained.
Me: Wait, did you say that you can afford your current lifestyle on the interest you are earning?
Coworker: Yeah, at the moment. I just couldnt think of anything worse than going through everything I did, and the result being anything else than setting myself up for life.
Me: Are you aware that you can essentially retire?
Coworker:Yeah, thats kind of what I have done
Me:That is the whole definition of Financial Independence! Here I am, telling you my secret plan to retire early,  that none of my friends understand, And YOU have already done it.
Coworker: My situation is rather unique. So I understood where you were coming from
Me:You brilliant, beautiful, breath taking success!

Suffice it to say that my friend endured an extreme familial hardship and is now left with no parents at the age of 28. However in light of this, and in lieu of a father that clearly came from a frugal background and understood long term investing, my friend is the heir of a rather sizable sum of money that was nearly immediately invested in a property (and high interest yielding bank accounts) that return 5.9% in rents on the purchase price. She understands the value of money in it's true sense and realizes that it can buy freedom if properly handled. She is a new hero of mine.


That is amazing. I'm glad you found somebody who not only understands the FIRE lifestyle, but is living it already!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Scandium on February 11, 2015, 11:06:20 AM

CW1: "I just cancelled my Amazon Prime account. Figured I wasn't using $99 worth of two-day shipping in a year."


My wife and I make good use of our Prime. Between that and Costco, it fills 85% of our household needs. Everything from cat food to diapers, faucets for bathroom remodel (a necessity, not a luxury), etc.

My "Prime" hack is that my university I graduated from 10 years ago grandfathered email addresses for life, forwarded to any address of your choice. So I have a @edu email address, making my Prime a Student account, at 1/2 the membership fee.

I'm pretty sure you're allowed to buy those things on amazon without prime.. I just use some foresight and get $35 worth of stuff and wait 5 days. Of course for most people this is an insane sacrifice they couldn't imagine. "waiting for something??! no way. Need it nauww!"

edit: I'm aware there are diaper savings with prime. I did the math and it would about pay for the subscription..
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Megma on February 20, 2015, 01:41:51 PM
Anyone who pays for netflix (in lieu of cable for example) should just get prime instead. Prime comes out to 8.25/month and Netflix is 8.99/month. In addition to the shipping you get:
- movies and TV (similar selection to netflix)
- music (admittedly I don't use this)
- free book borrow/month if you have a kindle
And probably other stuff I'm not using. Amex has been offering a free year of prime and 200 reward for new cards (after 3 months and spending 1k I believe, I did it before xmas which helped me hit the target between travel & gifts), just get it for free!

I'm also really enjoying the $1 credit Amazon has begun offering for no rush shipping, as I don't need everything order in 2 days (just sometimes! :-)) and have got several free books with my promo credits the last few months.


Now I actually came on her to post about my CW (not sales pitches for prime), we frequently have anti-anti-mustachian conversations. Today she tells me her cousin has offered to arrange a hair stylist/makeup for anyone attending her wedding that wants one for $100 each! This is not just for people in the wedding party, my CW isn't a bridesmaid or anything like that, just attending.

She tells me this saying it's a ridiculous amount of money to pay for someone to do her hair and instead she is going to come to my house before the wedding and have me do it for her for free (I offered).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on February 20, 2015, 01:52:02 PM
A former coworker (from my last job) is going on "sabbatical" (retiring). She's around 50, and that's a win in my book! She says she will probably work part time for a while after she's not burnt out anymore. Of all the coworkers I ever had, she was the most likely to pull this off. It's very different knowing retiring early is possible as compared with knowing someone who has actually done it!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on February 20, 2015, 02:11:14 PM
Anyone who pays for netflix (in lieu of cable for example) should just get prime instead. Prime comes out to 8.25/month and Netflix is 8.99/month. In addition to the shipping you get:
- movies and TV (similar selection to netflix)
- music (admittedly I don't use this)
- free book borrow/month if you have a kindle
And probably other stuff I'm not using. Amex has been offering a free year of prime and 200 reward for new cards (after 3 months and spending 1k I believe, I did it before xmas which helped me hit the target between travel & gifts), just get it for free!

I'm also really enjoying the $1 credit Amazon has begun offering for no rush shipping, as I don't need everything order in 2 days (just sometimes! :-)) and have got several free books with my promo credits the last few months.


Now I actually came on her to post about my CW (not sales pitches for prime), we frequently have anti-anti-mustachian conversations. Today she tells me her cousin has offered to arrange a hair stylist/makeup for anyone attending her wedding that wants one for $100 each! This is not just for people in the wedding party, my CW isn't a bridesmaid or anything like that, just attending.

She tells me this saying it's a ridiculous amount of money to pay for someone to do her hair and instead she is going to come to my house before the wedding and have me do it for her for free (I offered).

Is the selection really similar to netflix?  If true, I'd seriously consider your advice.  I'm guessing they don't have House of Cards though...

I'm having a hard time even determining... like I search for various TV shows and see maybe the DVD of season 1 -- does that mean it's just that season?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: slugline on February 20, 2015, 02:24:47 PM
Is the selection really similar to netflix?  If true, I'd seriously consider your advice.  I'm guessing they don't have House of Cards though...

Similar enough that both Amazon and Netflix are busy developing their own exclusives. They probably are well aware of people like me with both at the moment but thinking about dropping one.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: 1967mama on February 20, 2015, 03:16:48 PM
We have been binge watching documentaries from the library lately with our kids. We have so many out right now that I'm not sure we will have enough evenings to watch them all!

Recently, while away for a weekend, I watched a ton of PBS shows on cable at the free place we were staying at. When one came on that I liked, I jumped on my laptop and ordered it from the library. Almost all the shows were available.

So glad we cut our cable last year!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Megma on February 20, 2015, 07:28:34 PM
There's a lot of overlap of prime and Netflix but the library isn't exactly the same, as dragoncar said the both have their own exclusives for example.

Currently I pay for prime and my bf pays for Netflix and we share. Netflix has more tv and movie content but prime is close (and seems to be improving) and you also get the other benefits I mentioned.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gockie on February 23, 2015, 01:45:14 AM
Wow. Congrats to your coworker bigalsmith. It's so unfortunate in regards to how she got the money, but at least she is using it so wisely. I wish her and you all the best. Thanks for sharing!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on February 23, 2015, 12:12:43 PM
Wow. Congrats to your coworker bigalsmith. It's so unfortunate in regards to how she got the money, but at least she is using it so wisely. I wish her and you all the best. Thanks for sharing!

She's backpacking around Argentina for the moment. Traveling (when you're willing) can be super cheap (hostels, busses, etc). She spends less while on the road then she would at home. She's using this time to figure it all out. I'm jealous, but I wouldn't trade my dad for it, not a chance.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MLKnits on February 28, 2015, 06:44:44 AM
At my current gig, this was perhaps a month ago.

Boss:  Let's all go out to lunch today to celebrate the completion of Project X!
Coworker A:  YEAH!  I know just the place.  Sushi.
Coworker B:  Uhh... boss, you're paying, right?
Boss:  Well, not exactly. 
Coworker A:  Aw, who cares?  We get to go out and have fun!
Coworker B:  Pass.  Let me know if you want to actually take us out as a real reward.

So cool - I rarely hear people other than me ask the tough questions in these situations.  Then the bill comes and it's too late.

Jeez. Speaking as a boss, if we go out to celebrate, the office pays. That boss is cheap, not frugal! A few sushi dinners a year is a very, very affordable way to keep my employees happy.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on March 10, 2015, 05:30:54 PM
Yesterday one of my coworkers asked me what to do with the $90k he has sitting in savings.  Besides suggesting he invest it, I asked what the rest of his portfolio looked like.  He said he and his wife both have IRAs, but he didn't know what was in them.  He hasn't invested in the TSP, and has no other investment accounts (though he has a rental property).  I discussed the basics with him, pointed him towards JlCollins' stock series, talked about expense ratios, and suggested he find out first and foremost where his money actually is.  Anecdotally I told him about my eureka moment getting into Vanguard and the wonders of indexing and he said he'd think about it.  He came to me this morning part shocked and part relieved that he got all the info from his financial institution and that he was not happy with them once he figured out what his IRAs were invested in.  He didn't give me too many details, but he said when he brought up moving to Vanguard the financial specialist got defensive and said Vanguard didn't have good customer service and tried to get him to stay.  I'm not saying he's a full convert, but I'm overjoyed that he's asking the right questions and getting a handle on things.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: civil on March 10, 2015, 07:07:30 PM
The airman next to me came in the other day saying that he didn't like his brokerage, so he had switched to Vanguard. And something about how he wasn't sure about what to do with money and IRAs. I pointed out that if he even knows what an IRA is, and that fees exist, he is doing FAR better than most of the other guys in the office (who complain they can't pay rent because they spent their BAH on sports cars and trucks).... this was followed by discussions of how dumb most people our age are.

This guy will be just fine :)
I kinda wonder if he's on here...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: civil on March 10, 2015, 07:16:13 PM
At my current gig, this was perhaps a month ago.

Boss:  Let's all go out to lunch today to celebrate the completion of Project X!
Coworker A:  YEAH!  I know just the place.  Sushi.
Coworker B:  Uhh... boss, you're paying, right?
Boss:  Well, not exactly. 
Coworker A:  Aw, who cares?  We get to go out and have fun!
Coworker B:  Pass.  Let me know if you want to actually take us out as a real reward.

So cool - I rarely hear people other than me ask the tough questions in these situations.  Then the bill comes and it's too late.

I don't think I'm brave enough (or FI enough) to say that. I default to, "no thanks, that place is over my lunch limit."
My office often pokes fun at me for my "lunch limit" of $4 per lunch. I get really excited when I find a lunch for $4 or less (e.g. coupons, gift cards, adding meals to co-workers' lunches as a side, Costco, splitting pizzas). I usually bring lunch, but my going-out budget is $4 unless it's a retirement luncheon.

This has the side effect of making people really pleased if I agree to normal-price lunch with them.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on March 11, 2015, 08:37:26 AM
  He didn't give me too many details, but he said when he brought up moving to Vanguard the financial specialist got defensive and said Vanguard didn't have good customer service and tried to get him to stay.

I LOVE it when someone who earns his money doing things for me says his collegues have a bad service. That means he cant say other things about them like "they are worse then me" ;)
Unfortunately I dont have many people working for me. Mustachian problem, I think. :D

As someone with an high IQ, good common sense and necessary google-fu I always had the experience that a "good service" is easily replaceable by a few hours or days of your time once, with benefits for lifetime and a lot of better options afterward.
Never forget that all financial advisers always want your best: your money!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MLKnits on March 11, 2015, 08:51:47 AM
  He didn't give me too many details, but he said when he brought up moving to Vanguard the financial specialist got defensive and said Vanguard didn't have good customer service and tried to get him to stay.

I LOVE it when someone who earns his money doing things for me says his collegues have a bad service. That means he cant say other things about them like "they are worse then me" ;)
Unfortunately I dont have many people working for me. Mustachian problem, I think. :D

As someone with an high IQ, good common sense and necessary google-fu I always had the experience that a "good service" is easily replaceable by a few hours or days of your time once, with benefits for lifetime and a lot of better options afterward.
Never forget that all financial advisers always want your best: your money!

I recently "fired" my bank advisor to switch to an unmanaged fund at the same bank. The look on his face when he realized what the conversion meant ... I felt pretty bad, I can't lie. We pretty much did the classic, "uh, I'll call you," when it's clear a second date is not on the horizon. Sorry buddy. I'm not gonna call.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on March 11, 2015, 11:29:59 AM
  He didn't give me too many details, but he said when he brought up moving to Vanguard the financial specialist got defensive and said Vanguard didn't have good customer service and tried to get him to stay.

I LOVE it when someone who earns his money doing things for me says his collegues have a bad service. That means he cant say other things about them like "they are worse then me" ;)
Unfortunately I dont have many people working for me. Mustachian problem, I think. :D

As someone with an high IQ, good common sense and necessary google-fu I always had the experience that a "good service" is easily replaceable by a few hours or days of your time once, with benefits for lifetime and a lot of better options afterward.
Never forget that all financial advisers always want your best: your money!

I recently "fired" my bank advisor to switch to an unmanaged fund at the same bank. The look on his face when he realized what the conversion meant ... I felt pretty bad, I can't lie. We pretty much did the classic, "uh, I'll call you," when it's clear a second date is not on the horizon. Sorry buddy. I'm not gonna call.

With my friend now stepping into uncharted territory, I was able to put some stress aside by informing him that he doesn't even need to fire the previous financial institution himself - the new folks can do that for him.  No hard conversations about loyalty or explaining his actions, just sign a few forms.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on March 11, 2015, 12:14:55 PM
  He didn't give me too many details, but he said when he brought up moving to Vanguard the financial specialist got defensive and said Vanguard didn't have good customer service and tried to get him to stay.

I LOVE it when someone who earns his money doing things for me says his collegues have a bad service. That means he cant say other things about them like "they are worse then me" ;)
Unfortunately I dont have many people working for me. Mustachian problem, I think. :D

As someone with an high IQ, good common sense and necessary google-fu I always had the experience that a "good service" is easily replaceable by a few hours or days of your time once, with benefits for lifetime and a lot of better options afterward.
Never forget that all financial advisers always want your best: your money!

I recently "fired" my bank advisor to switch to an unmanaged fund at the same bank. The look on his face when he realized what the conversion meant ... I felt pretty bad, I can't lie. We pretty much did the classic, "uh, I'll call you," when it's clear a second date is not on the horizon. Sorry buddy. I'm not gonna call.

With my friend now stepping into uncharted territory, I was able to put some stress aside by informing him that he doesn't even need to fire the previous financial institution himself - the new folks can do that for him.  No hard conversations about loyalty or explaining his actions, just sign a few forms.


So rude

http://youtu.be/nb0s1AePP2g
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Lyngi on March 11, 2015, 10:58:42 PM
My co-worker let it slip that her house will be paid off next month.  It is freaking awesome because she is a single mom and raised her two kids into happy and independent adults.  She has worked really hard and been really frugal.   We also ate lunch, made by a coworker, for $1.87 per person
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on March 12, 2015, 12:14:39 AM
Not at work, but at home (where I'm living until pre-wife moves here when she gets a job)

Now, before I get into it, I'll explain that my dad has been pretty good with his investments and pretty good with his choices. I'd describe him as 70% boglehead, 20% mustachian, and 10% "I'm smarter than most people, I'm going to take some chances" (and he's done actually better than S&P). He likes nice things, luxury cars, too many cars, boats, hi-fi stereos, etc., but always bought used, always shopped at TJ Maxx and Nordstrom Rack. He will be buying a vacation house as soon as the right one is available.

My dads company was just bought out, and he believes he will be let go. After a few initial days of "freaking out" and talking to people at work and people who had coincidentally enough been let go by this same company after being acquired, he sat down and put pencil to paper for probably the first time in his life to figure out exactly how much he has. Long story short, within 2 months he could pay off the house, buy his vacation house, and retire at 61. He's going to keep working because he doesn't mind the work, and chances of a severance package are pretty high. Add into it that nobody really expects him to and everyone thinks he is only in low to mid 50's, and he's going to keep going for another up to 4 years, but we're all hoping they come in with a severance package in about a year.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: powersuitrecall on March 21, 2015, 10:51:46 AM
Man I love this thread.  Great stories. 

The closest I've come to a mustachian encounter at work was to do with weight-loss rather than money, but the sentiment applies:

Me: Wow Bob, you look great!  How have you lost so much weight?
Bob: Doing the things no one likes to do: eating less and exercising more.
Me: Awesome!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on March 21, 2015, 12:03:04 PM
My coworker told me about he and his wife's Hawaii trip a few years ago at a resort. They used a combo of airline miles/cc points so they did it pretty frugally. He ordered 2 piña coladas at the bar, shocked to find out that they were $35-40 each. After that, he went to Wal-Mart to buy a cheap blender/rum/piña colada mix to use the rest of the week and all for less than the cost of the two original drinks.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: seanc0x0 on March 21, 2015, 05:36:22 PM
My coworker told me about he and his wife's Hawaii trip a few years ago at a resort. They used a combo of airline miles/cc points so they did it pretty frugally. He ordered 2 piña coladas at the bar, shocked to find out that they were $35-40 each. After that, he went to Wal-Mart to buy a cheap blender/rum/piña colada mix to use the rest of the week and all for less than the cost of the two original drinks.

$35-$40 each?! That is completely insane!

Great idea on the blender etc, though.  After seeing the prices of the resort drinks I'd be doing that too.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aschmidt2930 on March 21, 2015, 09:05:31 PM
An old coworker relayed this quote about her boss commenting on performance reviews. Grading scale was meets/exceeds expectations:

Boss walks out of her office one day and says, "Meets, meet, meets. I look around and all I see are meets. No exceeds." Coworker replies, "Meets leave at 5."

I've had a couple conversations with this CW about overworking - she used to, decided consciously to stop, because what was it getting her? (Answer: a direct report with almost no experience making a higher salary than she did.) I've been thinking about this a lot lately, because for the first time in my life I received a "meets" after a very relaxing year where I deliberately did not go above and beyond. The perfectionist in me is disappointed, but all the other personality types hiding in there are satisfied.

Eh, somebody being a "direct report" doesn't correlate to a lesser salary as much as you think, nor should it.  Being someones manager doesn't automatically entitle you to a higher salary.  There's a growing number of extremely talented people with specialized skill sets that are incredibly valuable to a company, and their time is simply better spent in a non-management role. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ThreadPacifist on March 22, 2015, 01:18:56 AM
One of my co-workers was telling me that he was thinking about buying a new TV with the bonuses we got, but that he decided he would rather save the money. The same co-worker also paid off all of his student loans with a combination of working part-time all through college and the first year's salary. I think he's going to do well.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on March 26, 2015, 05:25:26 PM
This sucks when companies fail to align salaries to market...
In my job it happens in reverse. The old timers are on much higher wages than those of us hired in the last few years.
My co-worker and I do identical roles (same job description etc) and while she has more experience than me, it bugs me that she's on $160K and I am on $120k for fulfilling the same role description (she's on 35% more than me... that a big difference!) I have also been in this particular role longer (she was a transfer from another part of the company) and am generally considered to the "go to" person, or the face of our team to our (internal) customers, not her.  In the current market I'm being paid realistically and she's excessively overpaid so it's not like I can do anything about it by leaving but it still feels uncomfortable/frustrating to know I earn 35% less for the same work. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on March 27, 2015, 09:09:56 AM
This sucks when companies fail to align salaries to market...
In my job it happens in reverse. The old timers are on much higher wages than those of us hired in the last few years.
My co-worker and I do identical roles (same job description etc) and while she has more experience than me, it bugs me that she's on $160K and I am on $120k for fulfilling the same role description (she's on 35% 33.3% more than me... that a big difference!) I have also been in this particular role longer (she was a transfer from another part of the company) and am generally considered to the "go to" person, or the face of our team to our (internal) customers, not her.  In the current market I'm being paid realistically and she's excessively overpaid so it's not like I can do anything about it by leaving but it still feels uncomfortable/frustrating to know I earn 35% 25% less for the same work.
160/120 = 4/3 = 1.333333333333333...
(160-120)/160=0.25

Mathematical quibbles aside, that's odd. Paying such a premium suggests desperation in the company at the time of hiring. Is there a general labor shortage that could have been especially acute right when they needed someone (and found her)?

We don't normally have these issues in the fed, since pay grade stems directly from job description and the only variables are location and longevity, but I still understand the frustration. I do occasionally see people in higher grades who don't do anything requiring special skills or dedication, on top of a nice military retirement, totalling 150k or more, and of course it's irksome... I just do my best to focus on the fact that I'm doing more with ~80k than most of the six-figure types.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: tofuchampion on March 28, 2015, 12:52:37 AM
I told a few of my coworkers about Ting and how I pay ~$30/mo for my phone service (compared to their $100+). After looking at the rate chart, one of them took my referral code. The other is looking at craigslist for a used bike. And I've been asked to share my frugal knowledge & resources. :D
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on March 30, 2015, 04:52:50 AM
Yes she was hired pre gfc when wages in this industry were at an time high. And our company gives people cost of living raises (usually around 3 percent) every year as long as a certain score is achieved in one's annual review. So she started high and took raise on the already inflated amount each year. No one stopped to consider that someone earning 33% more than market may not need another cost of living raise. (My salary would be market rate for the role). She's a good worker but it does seem weird to me.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: marty998 on March 30, 2015, 05:05:51 AM
Oh man I feel like crap now... thanks Melody. Not that I'm complaining too much but why do I seem to earn so much less than everyone else in my profession?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on March 30, 2015, 06:17:37 AM
These numbers include super and indicative bonus. The bonuses are written into our contract so there isn't a lot of discretion with paying them and they fit a range linked to salary. The numbers stated include a midpoint bonus. Of the three I have received two have been more and one slightly less.
I'd say the following contribute to my high salary at least compared to my age:
- high paying industry
- highly qualified (CPA)
- Luck (Getting in with a company that has a reputation as a good payer - although not the best in the industry)
- being in Perth (Perth salaries are higher... check the Hays salary guide, I was pretty surprised!)
- aggressively managing career but not by chasing the money but chasing opportunities to grow... As a uni student I worked for $12 an hour while my friends made half as much again in retail/hospitality in order to get experience. When I was ready for my next move I took this job with good opportunities and a decent salary rather than higher paid ones which would have pigeonholed me. I am currently looking for my next side-step into a better paying line of work - I went tax > management accounting and now hoping to go to analyst. (Pay in these fields goes up in this order, as does competition for entry level roles. I'd never have gotten the management accounting entry level stuff without the tax, just as I doubt anyone would have considered me for an entry level analyst role 3 years ago).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on April 04, 2015, 10:01:50 AM
I'm visiting my father in CA this weekend.  I noticed a large portion of his front lawn looked uniformly dead.  He said "round up."  He's getting ready to dig up part of his yard and landscape it to reduce the amount of grass he needs to water.  Aside from the water shortage, he said paying $100 to keep his grass green just wasn't worth it anymore.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: 1967mama on April 04, 2015, 01:04:02 PM
I told a few of my coworkers about Ting and how I pay ~$30/mo for my phone service (compared to their $100+). After looking at the rate chart, one of them took my referral code. The other is looking at craigslist for a used bike. And I've been asked to share my frugal knowledge & resources. :D


This is awesome, @tofuchampion! Makes for interesting lunch room conversation!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on April 06, 2015, 11:58:38 AM
I'm visiting my father in CA this weekend.  I noticed a large portion of his front lawn looked uniformly dead.  He said "round up."  He's getting ready to dig up part of his yard and landscape it to reduce the amount of grass he needs to water.  Aside from the water shortage, he said paying $100 to keep his grass green just wasn't worth it anymore.

I haven't watered my lawn since perhaps november and it's still green (and its not like we've have regular rain since then either).  I think I'll be able to get away with once every week or every other week in the summer, but I guess we'll see.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: tofuchampion on April 06, 2015, 12:34:25 PM
I told a few of my coworkers about Ting and how I pay ~$30/mo for my phone service (compared to their $100+). After looking at the rate chart, one of them took my referral code. The other is looking at craigslist for a used bike. And I've been asked to share my frugal knowledge & resources. :D


This is awesome, @tofuchampion! Makes for interesting lunch room conversation!

Thanks!

I found out the other night that another coworker is starting to do credit card churning to earn money to pay for her wedding.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on April 10, 2015, 03:40:45 PM
I have a co-worker with a net worth in the multi-millions that rides his bike to work in the summer and drives a beat-up 90s model civic in the winters. Everybody talks about him like he's crazy for spending a couple thousand dollars on a bicycle (which he rides probably close to 200 miles per week), but lives in a small house and drives an old car.
He is clearly FI and aware of it, but he comes in just so he can irritate our boss as much as possible. This guy is secretly my hero.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on April 11, 2015, 05:15:14 AM
I have a co-worker with a net worth in the multi-millions that rides his bike to work in the summer and drives a beat-up 90s model civic in the winters. Everybody talks about him like he's crazy for spending a couple thousand dollars on a bicycle (which he rides probably close to 200 miles per week), but lives in a small house and drives an old car.
He is clearly FI and aware of it, but he comes in just so he can irritate our boss as much as possible. This guy is secretly my hero.
Well, sounds perfectly logical to me: If you use something a lot, get high quality (and pay it), if you dont need it that much, keep your money tight. Why shoudl he pay a few thousands on a car he seldom uses and then buy a cheapo bike?
He comes in just to irritate the boss? And gets paid for it? Now THAT is what I would call badassity :P
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on April 11, 2015, 07:01:55 PM
I have a co-worker with a net worth in the multi-millions that rides his bike to work in the summer and drives a beat-up 90s model civic in the winters. Everybody talks about him like he's crazy for spending a couple thousand dollars on a bicycle (which he rides probably close to 200 miles per week), but lives in a small house and drives an old car.
He is clearly FI and aware of it, but he comes in just so he can irritate our boss as much as possible. This guy is secretly my hero.
Well, sounds perfectly logical to me: If you use something a lot, get high quality (and pay it), if you dont need it that much, keep your money tight. Why shoudl he pay a few thousands on a car he seldom uses and then buy a cheapo bike?
He comes in just to irritate the boss? And gets paid for it? Now THAT is what I would call badassity :P

Please share my stories about this guy.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taswegian on April 12, 2015, 04:09:10 AM
While I was eating lunch today in the small cafeteria at work, another employee was extolling the virtues of biking to work.  He mentioned never regretting riding his bike to work even when it was cold out, how efficient the exercise was, and he even spoke of the cost savings.  I almost asked if he was familiar with the MMM website.
The first rule of MMM is we don't talk about MMM ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugledoc on April 12, 2015, 06:01:45 AM

Thanks!

I found out the other night that another coworker is starting to do credit card churning to earn money to pay for her wedding.
[/quote]

Lets hope she doesn't f**k it up like the vast majority of consumers do. Ending up with high interest debt just to get some cashback.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: tofuchampion on April 13, 2015, 09:01:30 PM

Lets hope she doesn't f**k it up like the vast majority of consumers do. Ending up with high interest debt just to get some cashback.

She already uses a rewards card for most things, and never carries a balance, so I think she'll be okay. She's looking into sign-up bonuses now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on April 13, 2015, 09:05:10 PM
... he comes in just so he can irritate our boss as much as possible. This guy is secretly my hero.

Nice...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Reynold on April 23, 2015, 04:02:24 PM
At my first company, the CEO had a little gathering out in the parking lot as he drove his car, some vanilla Japanese small sedan model I don't recall, around the lot to hit 200k on the odometer.  Also, just about everyone in the R&D department brought their lunches in to work, when there was some remodeling of the building they deliberately made a nice lunch room to encourage that.  We had a lot of our most productive discussions there. 

My father-in-law, German, was puzzled by why our CEO would drive such an old car, he didn't think it was right for a CEO to drive that, but he had strong views on what was proper for various economic brackets. . . :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Logic_Lady on April 24, 2015, 10:30:38 PM
Today at happy hour after work:

CW1 and CW2 are talking about CW1's friend, who went to Coachella.

CW1: My friend snuck into a Coachella party. Well she didn't really sneak in, she paid half for a wristband and split it with a friend. It was like $250 and she didn't even get to go in until 9pm. She was just sitting outside the venue all day. She posted on her facebook like "oh I got to see [band]."

CW2: I saw [band] in LA for $30. Coachella is such a waste of money. With the livestream there's no reason to actually go, except to say you were there.

CW1: Yeah, with transportation and the campsite and whatever stuff you buy there it's like $1000. I could just take a picture of myself with a random background and be like "I'm at Coachella, this is awesome" and no one would know the difference.

CW2: You know how I saved a lot of money? By not going to Coachella.

CW1: No-chella! [They bump fists]


And then, when I'm talking to another coworker.

Me: Yeah, I have to fly to Vegas and back every week [for a temporary work assignment].

CW3: So do you party a lot?

Me: No, I don't know anyone there. It would be weird going out alone and besides I don't want to spend a lot of money.

CW3: I know what you mean, I hate spending money.

Me: Me too!

CW3: I'm going on vacation with my friends, we booked a rental car and it was supposed to be $150. But my friend did the booking and it turned out to be $225. I told her to call them back, I wasn't going to pay that, just thinking about it made me feel sick to my stomach. So she did and we got the car for $150.

Me: Yeah, I try to save as much money as possible.

CW3: Right, it's like how am i going to retire early if I spend all my money?

Me: That's my plan too! To save money and retire early.

CW3: We should have a support group.

Me: [tells her about MMM. Hopefully she'll check it out!]


My faith in humanity is officially restored, at least for the moment.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on April 25, 2015, 06:41:35 AM

CW1: No-chella! [They bump fists]


Pure awesomeness!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Latwell on May 20, 2015, 06:31:53 PM
This wasn't overheard at work. I'm actually super excited to share this overhead gem, hah!


Old friend is buying a home with her now fiancé. She had been assigned to a new location for her job and needed to move a few states away. Her closing apparently got pushed further than expected but her new job location had already started. She just lived out of a tent for almost two weeks while she was in-between her old place and her new home instead of staying at a hotel. (Note: she no longer lives near family/friends, otherwise people would gladly let her crash at their place.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: coffeehound on May 21, 2015, 01:52:47 PM
CW1: (who buys lunch every day): We're putting in an order at local place.  Do you want something?

CW2: Thanks for asking, but I try to only eat out once a week, and I'm going out tomorrow.  Maybe next time.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on May 23, 2015, 08:25:16 AM
I went to a dinner last night to celebrate the end of a project. There were six of us there, all freelancers, and we went to the boss's house and she made is pizza from scratch.

After we ate, conversation turned to finances as one of us had just quit a good job to take some time off to travel and then start her own company, as her (now former) job was so bad it made her ill from stress.

CW1: ...so I guess I'm pretty excited to be starting all this new stuff! Though I'll miss earning so much at [company].
CW2: How are you going to manage? I mean, four months in Asia is a long time with no income.
CW1: I have savings. I reckon I'm good for a year.
CW2: A YEAR? I'd be on the street in a month!
CW3: A month? Seriously? But you're 35!
CW2: I just don't earn enough to save any of it. No one does these days.
CW3: I don't earn a lot, I guess, but I still manage to save some. After all, you never know when something might happen, and I love my work but I do want to retire someday!
CW4: Me too. I mean, I don't want to sit around doing nothing but your body does start to go downhill after 60. There's no way I could work like this forever.
CW1: I know. I'm kid of worried about spending all my savings right now and not having anything for my pension, but I'm so burnt out it's a serious sanity break, and I'm sure I'll save it back up again in time.
CW2: A pension?! Who has a pension at our age?!
(Four hands go up - CWs 3,4,5 and me.)
CW1: I did but I won't any more.

I was shocked! When this conversation started I assumed it would be all about how it's impossible to save in today's economic climate and in our low-paid industry, but only one person out of six admitted to having no savings whatsoever. And I think even he doesn't have any serious debt.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrsMadHobo on May 27, 2015, 09:30:10 AM
I was traveling for work a few months ago and cell phones came up as they always do on travel since I don't have data on my phone with Republic Wireless. I don't even remember the conversation, but a coworker from that trip stopped me today and thanked me for saving him $150 a month since he switched to Republic Wireless. Woohoo!!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 27, 2015, 09:53:24 AM
My warehouse manager picked up McDonald's for lunch. He looked sheepishly at me and said, "This is the first time I've paid for lunch in a few years." Normally he grills burgers and warms them up in the microwave, or one of the reps for a freight company will take him out for lunch.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JessEsq on May 27, 2015, 10:04:54 AM
I think this counts...

I work in a law office with three attorneys (me and two others) and two paralegals.

Come lunch time, one paralegal heads home to nurse the baby (yes, extra driving, but she is very close & loves the extra mommy time)
The other paralegal and I enjoy our packed lunches in the break room (along with the company-supplied soda, coffee, and other snacks)

We share office space with other attorneys. Surprisingly for the career, the attorneys all tend to "eat in" sometimes. But, never as often as my paralegal and I do.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Melody on May 27, 2015, 04:47:40 PM
My whole team had a whinge session about multi level marketing together :-) a great bonding session and I was in a pretty good mood for the rest of the day.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Lis on May 28, 2015, 10:17:43 AM
Not work, but anti-antimustachian nonetheless.

I just spent the weekend with my great aunt, who lost her husband back in December. One of the first things she asked me about when I got there was my job, more specifically my what and how I invest. She was pleased to hear that I'm contributing to my 401k, getting a good match, and opened up another retirement account (my Roth IRA). She said she never thought she could count on her pension so she and her husband always put in 'as much as they could' into whatever retirement accounts they were able to. She kept telling me to always always always contribute to retirement, especially while I'm so young! Yes, young people should have fun, but stop going to the movies, stop eating out and getting drinks before you stop contributing to retirement. Good advice all around :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpicyMcHaggus on May 29, 2015, 03:35:27 PM
Consultant employee purchased brand new F150 crewcab 4x4. Commutes to work with it 5x weekly and tows camper 2x / month in summer.

I camp at a $8 campsite with my $300 mountaineering tent. Best part is I don't have to empty the waste tank on an RV.
Helped to inspire another guy to fix his own truck. $550 quote from mechanic to change alternator. I watched a YouTube video on how to do it, and told him I would do it for $250 and a case of beer. He looked it up himself and then did it that weekend. Cost him $120 in parts.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: PMG on May 30, 2015, 02:32:08 PM
I’ve got some young coworkers who are just clueless about basic math and life skills.  I just bite my tongue. Recently one of the young women has been making a real effort to take control of her life.  Since she is asking questions I am overjoyed to help.

She figured out that rice really multiplies when you cook it.  I was so proud of her for cooking at home and trying something new. 

She is a smart phone addict.  I showed her my budget app.  She immediately downloaded it and had me walk her through setting up a couple “envelopes”  Will it stick?  I don’t know.  But it might… It’s at least in a format she is more likely to use and understand.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dollar Slice on June 02, 2015, 11:53:01 AM
I just helped a co-worker who was utterly clueless about what was going on with his old 401k roll it over to a Vanguard IRA. He had no idea how much money was in it or anything. Turned out to be over 60k!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on June 02, 2015, 04:05:22 PM
I mentioned wanting to be done working within 15 years to a co-worker yesterday and he said "yeah, there are a lot of plans that tell you it's possible, but nobody really tells you HOW."
I quickly pointed him in the direction of MMM. Hopefully it sticks.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jinga nation on June 08, 2015, 02:50:40 PM
One of my co-workers, nice guy, good project manager, told me he recently found out about MMM. Good for him. He's an MBA student. I think he'll find out that the MBA education will teach him how to extract dollas from suckas, and MMM will teach him how not be be that sucka!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 08, 2015, 02:58:01 PM
My salesmen was lamenting the fate of one of his customers, essentially that customer started a dollar shop that did well and expanded to have 15 shops at her height, but is now done to one store that is barely making enough and is trying to stay afloat. He commented that he wished she had invested her money back when she was making a fortunate at her stores, but suspects that she spent it. He shook his head and said, "Thankfully I invest most of my income," that made me smile.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: golden1 on June 09, 2015, 07:49:18 AM
I have to say, I think I am seeing a mustachian-like shift in my co-workers that I hang out with at work.  They recently went from buying lunch every day to 1-2 times a week.  One of my coworkers changed his phone plan to Cricket and downsized his apartment.  They all used to buy iced coffee every day at work and now only once a week or so.  It makes it a lot easier for me to resist temptation myself. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 09, 2015, 08:24:52 AM

I camp at a $8 campsite with my $300 mountaineering tent. Best part is I don't have to empty the waste tank on an RV.
Helped to inspire another guy to fix his own truck. $550 quote from mechanic to change alternator. I watched a YouTube video on how to do it, and told him I would do it for $250 and a case of beer. He looked it up himself and then did it that weekend. Cost him $120 in parts.

I'm starting to get into camping, and want to do it more often. Love that your coworker did it himself, not only did he save himself over $400, but he probably feels way more satisfaction from it. I didn't like my car stereo (I listen almost exclusively to podcasts and audiobooks on my ipod), so bought a stereo and installed it myself (office manager helped a little) and had a huge smile on my face for over a week. My parents are the type that will hire out for everything, and my dad kept telling me to get someone to install it ( a friend offered to do it for a bottle of wine), but just the pride of doing it myself made it worthwhile and helps me enjoy it more. It took more time than it likely should, but it was absolutely worth doing.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jinga nation on June 09, 2015, 08:37:39 AM
Some of my-coworkers have shifted to Cricket-type cell phone plans or to T-Mobile family plans to save money. Also many have cut the cable/satellite cord and moved to FiOS internet-only plan and streaming services.

Then others have gone the other way, living high on the hog.

Win some, lose some, law of averages.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpicyMcHaggus on June 09, 2015, 08:38:21 AM

I camp at a $8 campsite with my $300 mountaineering tent. Best part is I don't have to empty the waste tank on an RV.
Helped to inspire another guy to fix his own truck. $550 quote from mechanic to change alternator. I watched a YouTube video on how to do it, and told him I would do it for $250 and a case of beer. He looked it up himself and then did it that weekend. Cost him $120 in parts.

I'm starting to get into camping, and want to do it more often. Love that your coworker did it himself, not only did he save himself over $400, but he probably feels way more satisfaction from it. I didn't like my car stereo (I listen almost exclusively to podcasts and audiobooks on my ipod), so bought a stereo and installed it myself (office manager helped a little) and had a huge smile on my face for over a week. My parents are the type that will hire out for everything, and my dad kept telling me to get someone to install it ( a friend offered to do it for a bottle of wine), but just the pride of doing it myself made it worthwhile and helps me enjoy it more. It took more time than it likely should, but it was absolutely worth doing.

Usually in a situation like that, its 2 bottles of wine. 1 for each of us and as long as the task is done before the wine runs out, all is good. Except with beer.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: candygirl on June 11, 2015, 03:10:05 PM
Proud of myself on this one and since it happened at work a few weeks ago:

Travelling on our lovely Air Canada (which I truly enjoy over West Jet) with 2 work colleagues and our flight was unable to leave as one of the first aid oxygen was not working properly...so they announced they needed 24 people to get off the plane, of which 10 could fly out the same night and get $400 or leave the following day on any flight and get $800 plus hotel...my hand shot up pretty quick to volunteer...I bbmed my counterpart who is a senior company officer to tell him I'm getting off the plane...he had noise cancelling headphones on and heard nothing.  He immediately said what?! I'm getting off the plane too, my meetings tomorrow can wait! How awesome that he chose to get off the plan and get the cash too!  The other colleague said see ya, I want to get home now.

It was awesome to get that cheque in the mail yesterday to go straight towards my rrsps (which my girl friends think is incredibly boring, but they are all shopaholics).. :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpicyMcHaggus on June 12, 2015, 08:36:17 AM
would gladly get pd $800 to skip a flight.
sadly never been offered.
Most i was offered was a voucher for flight (like miles... with blackout dates and limited value).
Passed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on June 13, 2015, 07:16:36 AM
so they announced they needed 24 people to get off the plane, of which 10 could fly out the same night and get $400 or leave the following day on any flight and get $800 plus hotel...my hand shot up pretty quick to volunteer...
You know, if I had the option to fly one day later and get a hotel room and 800$ for it, I would fly a day later every day!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on June 13, 2015, 09:10:50 AM
would gladly get pd $800 to skip a flight.
sadly never been offered.
Most i was offered was a voucher for flight (like miles... with blackout dates and limited value).
Passed.
Pretty cool, I don't think I've ever been offered that either.  Most was maybe $400.

I *never* take what is offered because I'm *always* flying with my children.

My hubby travels for business.  He never takes the offers on the way there because he's on a tight schedule.  He never takes the offers on the way home because...I'm home alone with the kids!  Though he does occasionally have to change flights due to weather, etc., and I tell him that if he has to spend an extra night it's fine.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Shamantha on June 18, 2015, 02:04:47 PM
Our company is aligning different salary structures, as a result my annual bonus percentage will be reduced. I will be compensated by having the percentage added to my monthly salary, plus something extra. The person explaining it to me stated that, like compound interest, salary increases keep adding up in different ways so hopefully I was OK with that? Finally someone who gets it!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: music lover on June 18, 2015, 02:24:32 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpicyMcHaggus on June 22, 2015, 10:25:08 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: slugline on June 22, 2015, 10:40:48 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Except this is the "Anti-Antimustachian" Thread.

No, I'm not really sure why it's hanging out in the "Wall of Shame and Comedy" section of the forum.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 22, 2015, 10:42:12 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Wrong thread, this is the ANTI-antimustachian place, where we talk about the good things our coworkers are doing in their life.

For instance, I found out that my coworker that doesn't know how to cook and usually will go to fast food just bought a pound of meat in, along with bread and cheese and is planning to make some cold cut sandwiches for lunch.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: 4alpacas on June 22, 2015, 10:44:25 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Wrong thread, this is the ANTI-antimustachian place, where we talk about the good things our coworkers are doing in their life.

For instance, I found out that my coworker that doesn't know how to cook and usually will go to fast food just bought a pound of meat in, along with bread and cheese and is planning to make some cold cut sandwiches for lunch.
Nice!  I'm sure your coworker will enjoy not having to go to a fast food restaurant as much as the larger bank balance.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on June 22, 2015, 10:54:21 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.
That's friggin' awesome. +1
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tallgirl1204 on June 22, 2015, 11:30:25 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move! 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpicyMcHaggus on June 22, 2015, 01:17:09 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on June 22, 2015, 03:55:16 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on June 23, 2015, 06:01:19 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ShoulderThingThatGoesUp on June 23, 2015, 06:56:51 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Um, I don't think this is for me??????

(I see I'm not the only one who's lost an afternoon of email availability due to this phenomenon.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: music lover on June 23, 2015, 02:19:26 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.
That's friggin' awesome. +1

Yup...they do very well with their money. It's also good for me...as I'm handy, they will pay me to do a few renos/updates for things they can't do or don't have time to do themselves. I have never charged friends or family to help with projects, but this is a rental property, not their home, and they are treating it as a business and want me to as well.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on June 23, 2015, 02:36:31 PM
CW told me this morning that he tracks his electricity usage and costs tightly. He averages the usage of the past 3 years for that month and predicts his bill to immediately see when there's an issue.

He's excited to be updating the insulation in his attic so he can track just how much money it saves him and if it's close to what the company is promising.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: forummm on June 23, 2015, 02:44:17 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Everybody STOP REPLYING ALL!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 23, 2015, 02:48:35 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Everybody STOP REPLYING ALL!

I WILL REPLY ALL UNTIL MY NAME IS TAKEN OFF THIS LIST!!!!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Joggernot on June 23, 2015, 03:49:25 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Everybody STOP REPLYING ALL!

I WILL REPLY ALL UNTIL MY NAME IS TAKEN OFF THIS LIST!!!!
Just click on the "Unnotify" button at the top or bottom of this page and you won't receive any more notices.  But maybe that isn't what you're asking for?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on June 23, 2015, 04:44:00 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Everybody STOP REPLYING ALL!

I WILL REPLY ALL UNTIL MY NAME IS TAKEN OFF THIS LIST!!!!
Just click on the "Unnotify" button at the top or bottom of this page and you won't receive any more notices.  But maybe that isn't what you're asking for?

If you keep sending me message, I will contact the cyber police.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: forummm on June 23, 2015, 05:12:44 PM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Nope-- this is the anti- anti- thread.  Negative of a negative is a positve, sorta.  This is a great story for this thread.  In that vein, our neighbors are looking to downsize, and have asked us to give them "first dibs" when we are ready to move!

too many thread subscriptions.
Maybe i have been posting my stuff in the wrong one all along.
This is what i get for "skimming" when i read.

Please remove me from this list, thanks.
Please don't reply all.

Everybody STOP REPLYING ALL!

I WILL REPLY ALL UNTIL MY NAME IS TAKEN OFF THIS LIST!!!!
Just click on the "Unnotify" button at the top or bottom of this page and you won't receive any more notices.  But maybe that isn't what you're asking for?

If you keep sending me message, I will contact the cyber police.

Everybody STOP REPLYING ALL!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: gimp on June 23, 2015, 06:34:24 PM
C-C-C-Combo breaker!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on June 24, 2015, 12:17:10 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Actually, the two "anti" prefixes cancel each other, so that make this the "mustachian" edition.  For the good ideas.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on June 24, 2015, 11:44:19 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Actually, the two "anti" prefixes cancel each other, so that make this the "mustachian" edition.  For the good ideas.

What's the opposite of a mustache?  A beard maybe?  "Dr. Spendy McBeardFace"

(http://assets.diylol.com/hfs/f1a/b82/a00/resized/dr-seymour-beardface-meme-generator-it-s-pronounced-beard-facay-738ae7.jpg)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on June 24, 2015, 11:52:44 AM
A co-worker/friend and his wife recently sold their paid off house and bought one that was $80,000 less.

They then put a portion of the proceeds towards the down payment on a rental property.

Sounds like a good idea. This is for the bad ideas.

Actually, the two "anti" prefixes cancel each other, so that make this the "mustachian" edition.  For the good ideas.

What's the opposite of a mustache?  A beard maybe?  "Dr. Spendy McBeardFace"

(http://assets.diylol.com/hfs/f1a/b82/a00/resized/dr-seymour-beardface-meme-generator-it-s-pronounced-beard-facay-738ae7.jpg)

The opposite of a mustache is an amish beard. I view the Amish as quite a Mustachian people, so even that won't work.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 25, 2015, 11:48:10 AM
My warehouse manager just asked if we were taking the following Friday or Monday off, due to Independence Day (truck companies were calling him to ask). I overheard one of the guys in our warehouse ask, "If they are open between the days, I would prefer Friday." I asked my warehouse manager about it a little while later, and he said, "He drives for Uber to make some extra cash and will be doing so on Independence Day as well." 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: greengardens on June 27, 2015, 02:54:47 PM
our receptionist likes to stop by my office throughout the day to chat as I'm the only one in the office close to her age (she's early 20s I'm late 20s everyone else is 40+). One day we were talking about saving money. I asked her why she brought bottled water everyday when we had a water cooler. She said 'oh it's not that much, you can buy a big case at Walmart for cheap' I explained that she could buy a $2 reusable water bottle and drink for free here at work and it'd pay for itself in a month (or sooner). I thought she was going to ignore me but this last week she started bringing in a reusable water bottle! It's not huge but hopefully she'll be open to my other suggestions in the future (like opting in to our 401k)...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: forummm on June 27, 2015, 04:46:25 PM
I told some coworkers about the benefits of owning index funds in IRAs. So they opened IRAs.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Coercivity on July 11, 2015, 09:01:05 AM
While we were operating yesterday, the neurosurgeon mentioned that he had to borrow his dad's car for the day because his own was in for servicing. When I asked him what car he drove, he said it was a 15 year old Subaru. All the other staff in the theatre were shocked and asked him why he just didn't buy a new car and his reply was "I don't think it's worth it". Then he conceded that his dad's Mercedes was a fun drive and he would consider getting a second hand one once his Subaru died. I was super impressed given the amount of money he must be rolling in.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: La Bibliotecaria Feroz on July 11, 2015, 10:44:00 AM
One of my coworkers was drinking a Kroger-brand can of sparkling water. She said she had been buying La Croix from the vending machine, but then she realized she could buy a twelve-pack of store brand for $2.50 on sale and bring her own.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on July 11, 2015, 08:16:22 PM
One of my coworkers was drinking a Kroger-brand can of sparkling water. She said she had been buying La Croix from the vending machine, but then she realized she could buy a twelve-pack of store brand for $2.50 on sale and bring her own.

My wife loves sparkling water, which I don't get, but she, too, buys the Kroger brand, which I do like.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dsmexpat on July 11, 2015, 09:23:40 PM
New job and I was hanging out with the accounting department while they showed me how to access some stuff I'll need. I mentioned the various different retirement plans on offer and we started spreadsheeting the potential outcomes of each with different contributions and years of service. Was the nerdiest shit I've been a part of, I had a sudden feeling of belonging, like I had found my people.

In a later separate discussion I was talking about that first discussion with one of our techs. He mentioned that he'd picked this up as a casual retirement job because we have a pretty good defined pension plan and although he built his 401k up during his time in the private sector the chance to let it compound for another decade while this job covers living expenses and then cuts him a check, every month, forever was too good to miss.

I'm part of an organization which is criminally bad at managing its money but seems to be largely composed of people who are good at managing their money.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on July 13, 2015, 04:03:14 PM
The main difference is that he was offered a competitive market rate, whereas the director had been at the company for years receiving paltry raises. Over the years I had multiple people tell me that the only way to get a fair salary was to leave the company and come back as an external candidate. When I hired two FT employees in the same week, one internal and one external, I saw firsthand how unfairly the salary offers were calculated.

I just got a job offer last week that's going to be a 26% increase in base salary. My annuals have been 3% with 7% the year I got a promotion/titlebump.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: acorn on July 22, 2015, 02:19:25 PM
Someone at work has brought in a rice cooker to cook dinners. I'm very tickled by the sight of a rice cooker in the pantry area happily puffing away around 7pm every other day.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on July 22, 2015, 05:14:30 PM
Someone at work has brought in a rice cooker to cook dinners. I'm very tickled by the sight of a rice cooker in the pantry area happily puffing away around 7pm every other day.
this is cool.  When we had a night shift, they cooked all the time. Rice cooker, electric skillet, George Foreman, crock pot,.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rufus.T.Firefly on July 22, 2015, 05:29:56 PM
This isn't a coworker story, but a client story:

He is a self-made man, an entrepreneur who started his own business and it is a successful one (its been going for 40 years). He still does all his own repairs on the business equipment despite having enough money to pay someone. He also does a lot of the maintenance on the company trucks. I think he just enjoys the work/tinkering. And he drives a crappy old van from the 90s as his personal vehicle. All of this is pretty cool, but before you think he might not actually be that wealthy, he drops this A-Bomb: He owns 25 rental properties. One of these rental properties is an apartment building with probably about 10 units.

...Oh and he does his own repairs on his rental properties too.

I think he works about 80 hours a week and he's past retirement age. So I guess he never really figured out the retirement part, but he sure has the financial independence down pat.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on July 23, 2015, 01:49:06 AM
Sounds more like he just likes this work too much to stop and keeps the money only as a counter that he does it right.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rufus.T.Firefly on July 23, 2015, 05:10:36 AM
Quote
Sounds more like he just likes this work too much to stop and keeps the money only as a counter that he does it right.

Yeah, I definitely think there is some truth to this.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on July 23, 2015, 07:48:46 AM
(http://assets.diylol.com/hfs/f1a/b82/a00/resized/dr-seymour-beardface-meme-generator-it-s-pronounced-beard-facay-738ae7.jpg)

The opposite of a mustache is an amish beard. I view the Amish as quite a Mustachian people, so even that won't work.
Oh no. The opposite of a mustache is a mullet... Cousin Brokeass Mullethead.

(http://ecx.images-amazon.com/images/I/71rwJ1kvF9L._UL1500_.jpg)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on July 24, 2015, 01:52:44 PM
A friend of mine called me up the other day, and asked if I'd like to work a couple days with him. At $20/hr, and currently looking for work, my answer was obvious. Hell yes.

I've know this friend for 12 years now (he's 28), and I never get tired of talking to him. We're sitting in his work truck, and we start talking about his goals for the next three months, and he grins a little and tells me this:

1) I'm going to sell my rental property for $235k next week. I bought it 5 years ago for $145k. Selling to my tenant. No agents :)

2) I'm taking the $75k I intend to net after taxes, adding $115k from my savings, and paying off my primary residence. (He owes $190k, assessed at $290k)

3) I'm getting a HELOC for $230k and I'm going house hunting so I can start flipping houses on the weekend.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on July 30, 2015, 08:41:01 AM
There's a guy at work who's replacing his own timing belt.  In the meantime, he's riding his bike to work (3.5 miles).  Does that count as a double win?

He jokes that maybe he'll leave the job half-done (the car's 20 years old anyways) so that he *has* to keep riding his bike...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Phenix on July 30, 2015, 10:32:31 AM
There's a guy at work who's replacing his own timing belt.  In the meantime, he's riding his bike to work (3.5 miles).  Does that count as a double win?

He jokes that maybe he'll leave the job half-done (the car's 20 years old anyways) so that he *has* to keep riding his bike...

Serious double win.  I think a guy like that would appreciate the MMM lifestyle.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on July 30, 2015, 12:18:19 PM
There’s a guy I’ve worked with for about 2 years and have often considered describing some of his decisions in the Anti-Mustachian thread… car choices, excessive apple products, various gadgets, etc.  I've made a few light comments about the 'necessity' of some of the costs he has complained about but withheld the true facepunches I was itching to throw.

But just last week we had a conversation turn to finances and he told me how his family had discovered YNAB and had totally turned things around – paid down their debts by $15,000 in the last 3 months and on track to have them wiped out ages earlier than they ever thought possible. 

I am really happy for him and have gained some hope for society in general after seeing someone like that make such a big change.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on July 31, 2015, 01:36:07 PM
There's a guy at work who's replacing his own timing belt.  In the meantime, he's riding his bike to work (3.5 miles).  Does that count as a double win?

He jokes that maybe he'll leave the job half-done (the car's 20 years old anyways) so that he *has* to keep riding his bike...

Serious double win.  I think a guy like that would appreciate the MMM lifestyle.

Allegedly short drives are bad for your car because it doesn't properly warm up (and maybe other reasons too, I forget). So he "shouldn't" be using his car for such a short drive anyway!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on July 31, 2015, 02:56:41 PM

Allegedly short drives are bad for your car because it doesn't properly warm up (and maybe other reasons too, I forget). So he "shouldn't" be using his car for such a short drive anyway!
He's also said that he's hoping this car will be the one his kids will use when they get old enough to drive.  His oldest is 10.  That means it'll technically be a classic when his oldest starts learning, right?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Latwell on August 02, 2015, 03:17:21 PM
There's a guy at work who's replacing his own timing belt.  In the meantime, he's riding his bike to work (3.5 miles).  Does that count as a double win?

He jokes that maybe he'll leave the job half-done (the car's 20 years old anyways) so that he *has* to keep riding his bike...

Serious double win.  I think a guy like that would appreciate the MMM lifestyle.


Allegedly short drives are bad for your car because it doesn't properly warm up (and maybe other reasons too, I forget). So he "shouldn't" be using his car for such a short drive anyway!

I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Friar on August 02, 2015, 03:59:16 PM
I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.

This is likely to be down to the fact that car batteries, which are typically lead acid based technology, don't like cold temperatures. They can't provide as much current to start the car and struggle to recharge even though the car's alternator is providing enough current to do so. Coupled with the short journey time and the fact that cold engines need a higher current pulse to overcome the friction than warm engines explains why you're having a hard time starting it the second time around!

Leaving your car to warm up helps because it allows the battery more time to recover from it's high energy output, the alternator to give it more energy to recharge and the engine to reduce the amount of friction it needs to get going!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on August 04, 2015, 05:02:27 PM
I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.

This is likely to be down to the fact that car batteries, which are typically lead acid based technology, don't like cold temperatures. They can't provide as much current to start the car and struggle to recharge even though the car's alternator is providing enough current to do so. Coupled with the short journey time and the fact that cold engines need a higher current pulse to overcome the friction than warm engines explains why you're having a hard time starting it the second time around!

Leaving your car to warm up helps because it allows the battery more time to recover from it's high energy output, the alternator to give it more energy to recharge and the engine to reduce the amount of friction it needs to get going!

This might all be true, but I think a better solution would be to walk to the grocery store that is apparently only a 2 minute drive away...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 05, 2015, 07:17:54 AM
This might all be true, but I think a better solution would be to walk to the grocery store that is apparently only a 2 minute drive away...
ZING
I live more than a two-minute drive from the store, and if I really don't have time to walk... I bike.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Geostache on August 07, 2015, 07:35:02 PM
I had an entire conversation with a co-worker today about the head-scratching that ensues when trying to figure out people who live the typical consumer sucka lifestyle. We discussed philosophies on raising children (ie, not spoiled and learning how to earn and responsibly use money), credit card debt (none, of course), and the general WTF-ness of people who can't manage their way out of a financial paper bag. Granted, she tends to go out for lunch on a daily basis, but at least she has her financial house in order.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 10, 2015, 09:58:14 AM
Can I also use this for the Anti-AntiMustachian Edition of Overheard on Facebook?

Old highschool friend announced she is about to start saving $200 a month on utilities now that her solar panels have finished being installed.

Good for her on installing the panels, but she's going to be saving $200 per month?! Jeez, either her electric bills are really high or she installed an entire solar panel farm and is essentially off-grid. I've only been paying around $150 per month to cool a 2200+ sqft. house, and this is summertime in Houston! I even pay extra for 100% Wind Power. Is this some place with really high rates (Hawaii)?

Didn't you people hear?!?!?!

Green technologies don't work. We MUST keep burning stuff or else the world will go dark forever... ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on August 10, 2015, 10:01:20 AM
I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.

This is likely to be down to the fact that car batteries, which are typically lead acid based technology, don't like cold temperatures. They can't provide as much current to start the car and struggle to recharge even though the car's alternator is providing enough current to do so. Coupled with the short journey time and the fact that cold engines need a higher current pulse to overcome the friction than warm engines explains why you're having a hard time starting it the second time around!

Leaving your car to warm up helps because it allows the battery more time to recover from it's high energy output, the alternator to give it more energy to recharge and the engine to reduce the amount of friction it needs to get going!

This might all be true, but I think a better solution would be to walk to the grocery store that is apparently only a 2 minute drive away...

If it is so cold the car may not start again if turned off after the 30-60 minutes it takes to grocery shop; it may be too cold for most people to feel they can safely walk that distance.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on August 10, 2015, 01:22:29 PM
I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.

This is likely to be down to the fact that car batteries, which are typically lead acid based technology, don't like cold temperatures. They can't provide as much current to start the car and struggle to recharge even though the car's alternator is providing enough current to do so. Coupled with the short journey time and the fact that cold engines need a higher current pulse to overcome the friction than warm engines explains why you're having a hard time starting it the second time around!

Leaving your car to warm up helps because it allows the battery more time to recover from it's high energy output, the alternator to give it more energy to recharge and the engine to reduce the amount of friction it needs to get going!

This might all be true, but I think a better solution would be to walk to the grocery store that is apparently only a 2 minute drive away...

If it is so cold the car may not start again if turned off after the 30-60 minutes it takes to grocery shop; it may be too cold for most people to feel they can safely walk that distance.

For "most people" (ie leaving out those with rare auto-immune disorders and such), what's unsafe about walking outside in the cold? 
If you live in a cold place, you should have appropriate clothing.  If the weather is so abnormally severe to restrict walking, you probably shouldn't be driving either - eat some leftovers and walk to the store tomorrow.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 10, 2015, 02:07:21 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.

I put one outside my office door for all the "treasures" that anyone is discarding. Old tech gear such as DVD players or Rokus or in my case most of an old socket set I found in my tools stash at home. Time for someone else to use it. I have a nicer full set of sockets (socket wrenches...). Garden veggies have happened a few times. Have a friend who gardens heavily and grows more than his family cares to try to eat. We get to help him eat it. ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on August 10, 2015, 02:12:35 PM

For "most people" (ie leaving out those with rare auto-immune disorders and such), what's unsafe about walking outside in the cold? 
If you live in a cold place, you should have appropriate clothing.  If the weather is so abnormally severe to restrict walking, you probably shouldn't be driving either - eat some leftovers and walk to the store tomorrow.

We have days with -40F windchills.  Unless you can cover every inch of skin (and even with a mask, this can be very difficult to do), you shouldn't walk much further than from parking space to building.  Just a few minutes of exposure can cause severe frostbite.   And even on those days, cars still start.  If there is danger the car won't start this is well below normal levels of "cold".

Walk tomorrow? Oh- is winter over?  Places where you have to worry about your car not starting are not typical climates for most people.


(And yes- I have walk-commuted in the winter, about 2 miles. Once it gets below -30, I had someone drive me. I could not figure out a way to keep my feet fully warm, no matter the wool socks, plastic bags, and snow boots. The fact that my glasses froze to my nose so painfully I had to walk without them, thus not being able to see, also really sucked.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 10, 2015, 02:16:15 PM
For "most people" (ie leaving out those with rare auto-immune disorders and such), what's unsafe about walking outside in the cold? 
If you live in a cold place, you should have appropriate clothing.  If the weather is so abnormally severe to restrict walking, you probably shouldn't be driving either - eat some leftovers and walk to the store tomorrow.
It continues to amaze me that so many people fail to realize modern climate control didn't exist before (hint) modern times. In all reality, extreme heat and cold are piddly shit to a sufficiently motivated human. Today's fabrics make it even easier than it was for early humans. I'm from friggin' Hawaii and I've managed to adapt to subzero temperatures numerous times in my life, generally on short notice.

It's not rocket science: base layer, mid layer, shell, boots, gloves, scarf, hat... and if it's bad enough, a down layer between mid and shell. I can come in sweating on a polar vortex day if I actually exert myself.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 10, 2015, 02:17:53 PM
(And yes- I have walk-commuted in the winter, about 2 miles. Once it gets below -30, I had someone drive me. I could not figure out a way to keep my feet fully warm, no matter the wool socks, plastic bags, and snow boots. The fact that my glasses froze to my nose so painfully I had to walk without them, thus not being able to see, also really sucked.)
-30? We'll allow it, temporarily. ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on August 10, 2015, 02:25:43 PM
For "most people" (ie leaving out those with rare auto-immune disorders and such), what's unsafe about walking outside in the cold? 
If you live in a cold place, you should have appropriate clothing.  If the weather is so abnormally severe to restrict walking, you probably shouldn't be driving either - eat some leftovers and walk to the store tomorrow.
It continues to amaze me that so many people fail to realize modern climate control didn't exist before (hint) modern times. In all reality, extreme heat and cold are piddly shit to a sufficiently motivated human. Today's fabrics make it even easier than it was for early humans. I'm from friggin' Hawaii and I've managed to adapt to subzero temperatures numerous times in my life, generally on short notice.

It's not rocket science: base layer, mid layer, shell, boots, gloves, scarf, hat... and if it's bad enough, a down layer between mid and shell. I can come in sweating on a polar vortex day if I actually exert myself.

Eh, people used to die from exposure in the winter too.
They would also die from starvation if they were stuck home too long and their supplies ran out.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 10, 2015, 02:26:44 PM
Eh, people used to die from exposure in the winter too.
Poor people without the means or materials to protect themselves, generally.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on August 10, 2015, 02:29:19 PM
Eh, people used to die from exposure in the winter too.
Poor people without the means or materials to protect themselves, generally.

Like a car? So I don't have to walk when it is -40F?

:)

Historically, people did not go outside in these extreme temperatures where I live. School was often canceled during the extremes of winter. They would go to the barn, very near the house- specifically due to the weather, to take care of the animals, and back to the house.  Once there was sufficient snow, they would often build tunnels so they weren't exposed while doing that walk.   Walking into town did not happen in these extreme temperatures. If you had to travel, you might take a sled, covered in blankets with heated rocks (or potatoes if you were lucky!) in your pocket; but still you traveled faster than walking.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 11, 2015, 05:54:14 AM
Consultant employee purchased brand new F150 crewcab 4x4. Commutes to work with it 5x weekly and tows camper 2x / month in summer.

I camp at a $8 campsite with my $300 mountaineering tent. Best part is I don't have to empty the waste tank on an RV.
Helped to inspire another guy to fix his own truck. $550 quote from mechanic to change alternator. I watched a YouTube video on how to do it, and told him I would do it for $250 and a case of beer. He looked it up himself and then did it that weekend. Cost him $120 in parts.

I love this story. This can be SUCH a money saver.

Researched and bought a/c compressor tools this weekend for ~$35 to change my car's a/c compressor clutch. Clutch is $60. Once upon a time I paid $175 to get this same job done (noisy bearing behind the clutch). After this I'll have the tool kit to use again, loan out to friends (brownie points for when I need a helping hand in return) or to sell.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HappierAtHome on August 11, 2015, 06:16:54 AM
Manager noted today that winning lotto usually doesn't help anyone because if you don't already know how to manage money, more money will just get wasted.

I agreed with her enthusiastically :D
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MissStache on August 11, 2015, 07:31:25 AM
Our CEO (CEO!) who makes literal millions drives an early-model Ford Explorer to work.  I think it is a 2001. 

Also, every year when we have profit sharing, he implores all of our employees to use the money to pay of debt (especially credit card debt) or invest it if you are debt-free.  He is a genuinely great role model.

He's also in his 70s, so not a proponent of Early Retirement, but I still like him!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Friar on August 11, 2015, 07:39:38 AM
I can attest to this alleged problem. During the winter, if I turn my car off after 2 minutes of driving to run into the grocery store, I have a difficult time turning it back on. i don't like to leave my car running while I run into a store, but I almost feel like I should bc of this issue. Instead, I've tried to let my car warm up longer before turning it off.

This is likely to be down to the fact that car batteries, which are typically lead acid based technology, don't like cold temperatures. They can't provide as much current to start the car and struggle to recharge even though the car's alternator is providing enough current to do so. Coupled with the short journey time and the fact that cold engines need a higher current pulse to overcome the friction than warm engines explains why you're having a hard time starting it the second time around!

Leaving your car to warm up helps because it allows the battery more time to recover from it's high energy output, the alternator to give it more energy to recharge and the engine to reduce the amount of friction it needs to get going!

This might all be true, but I think a better solution would be to walk to the grocery store that is apparently only a 2 minute drive away...

Of course! I was just explaining the why :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 11, 2015, 07:45:49 AM
There's a guy at work who's replacing his own timing belt.  In the meantime, he's riding his bike to work (3.5 miles).  Does that count as a double win?

He jokes that maybe he'll leave the job half-done (the car's 20 years old anyways) so that he *has* to keep riding his bike...

Serious double win.  I think a guy like that would appreciate the MMM lifestyle.

Allegedly short drives are bad for your car because it doesn't properly warm up (and maybe other reasons too, I forget). So he "shouldn't" be using his car for such a short drive anyway!

There are several reasons - expansion and contraction of the engine metals wearing out gaskets and seals. The oil can collect condensation and without getting it HOT enough to cook off the moisture your oil gets dirty and turns to a sludge inside the engine (change the oil more frequently then). Another is moisture/combustion by-products wind up in the exhaust system and the exhaust never gets hot enough to really dry itself out. Rust in the exhaust (just need to replace it more often). Then there is the wear and tear of the starter motor being used so often or the door hinges getting loose from the door opening and closing more frequently.

You start it once and drive five hundred miles or you start it fifty times, open and close the doors fifty times, etc and drive ten miles at a time. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 11, 2015, 07:46:59 AM

Allegedly short drives are bad for your car because it doesn't properly warm up (and maybe other reasons too, I forget). So he "shouldn't" be using his car for such a short drive anyway!
He's also said that he's hoping this car will be the one his kids will use when they get old enough to drive.  His oldest is 10.  That means it'll technically be a classic when his oldest starts learning, right?

Why not? My eldest child will be occasionally driving the car that brought him home from the hospital. Its still our daily driver. ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on August 11, 2015, 07:50:03 AM
I had a small win at work today. We have a fairly new receptionist who I think has the potential for mustachianism but has been raised in an un-mustachian world and doesn't know better. She drives a 90's car that for the most part runs fine but has a weird glitch that occasionally keeps it from starting for 10 minutes. This morning though it wouldn't start at all she's not sure why. By the time she got a ride to work she was very ticked off and ready to go buy a "new" car tonight because she needs a reliable car. She was looking at early 2000's under $10k. I said why not rent a car for a few days while finding a good deal? A little while later I walked by and she thanked me for talking some sense into her. She's going to pick up a rental after work and do some research before buying a car so she doesn't rush into purchase and get ripped off

Depending on the car it could be a cracked coil or bad ignition module. Both are susceptible to moisture and temperatures. I'd tell her to get it looked at. No reason to ditch a car over a $50 part (or less).

Would be glad to play 20+ questions to lead her to an affordable answer.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: CabinetGuy on August 11, 2015, 08:04:34 AM
I'm working on-site in a million-plus home installing cabinets.  Homeowner pops in and starts telling the builder he was up all night working on a 100 million purchase of another company.  It sounds like he may be in legal for the company he works for, I'm not sure.

So at the end of the day, he pops in later to check the progress.  As we both leave for the day, I see him getting into a 2005 Honda Accord.  It's a little beat up, but not too bad for an 05.  I tell him I like the car.  He says "Yeah, I'm trying to get it to 200k, and I'm at 144k right now.  It gets me from point A to point B.  I don't need anything flashy."



Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on August 11, 2015, 01:25:19 PM
I'm working on-site in a million-plus home installing cabinets.  Homeowner pops in and starts telling the builder he was up all night working on a 100 million purchase of another company.  It sounds like he may be in legal for the company he works for, I'm not sure.

So at the end of the day, he pops in later to check the progress.  As we both leave for the day, I see him getting into a 2005 Honda Accord.  It's a little beat up, but not too bad for an 05.  I tell him I like the car.  He says "Yeah, I'm trying to get it to 200k, and I'm at 144k right now.  It gets me from point A to point B.  I don't need anything flashy."

We're the cabinets nice?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: gaja on August 11, 2015, 02:10:43 PM
(And yes- I have walk-commuted in the winter, about 2 miles. Once it gets below -30, I had someone drive me. I could not figure out a way to keep my feet fully warm, no matter the wool socks, plastic bags, and snow boots. The fact that my glasses froze to my nose so painfully I had to walk without them, thus not being able to see, also really sucked.)
-30? We'll allow it, temporarily. ;)

From the other side of the globe:
School buses can't handle temperatures below 38C, so then kids have to walk to school. If it drops below -50C, attendance is voluntary.
http://www.nrk.no/sapmi/blir-det-kaldere-enn---50_-kan-elevene-holde-seg-hjemme-1.12145152

This is, by the way, a great argument for electric vehicles. I have talked to several EV drivers from the north who tell stories about the benefits of using electricity when it gets so cold that diesel freezes ("and then I just slid silently down the street, while that cocky bmw-owner stayed in the parking lot, unable to start his car due to the cold").

No, honestly, all respect for walking most of the year. No need to get extreme. It is possible, but there is no point.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: CabinetGuy on August 12, 2015, 04:26:45 AM
I'm working on-site in a million-plus home installing cabinets.  Homeowner pops in and starts telling the builder he was up all night working on a 100 million purchase of another company.  It sounds like he may be in legal for the company he works for, I'm not sure.

So at the end of the day, he pops in later to check the progress.  As we both leave for the day, I see him getting into a 2005 Honda Accord.  It's a little beat up, but not too bad for an 05.  I tell him I like the car.  He says "Yeah, I'm trying to get it to 200k, and I'm at 144k right now.  It gets me from point A to point B.  I don't need anything flashy."

We're the cabinets nice?

Meh, not IMHO.  Nicer than most, but poor build quality.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 12, 2015, 09:40:09 AM
Like a car? So I don't have to walk when it is -40F?

:)
Your dispensation was granted several posts up this thread. ;)
Quote
Historically, people did not go outside in these extreme temperatures where I live. School was often canceled during the extremes of winter. They would go to the barn, very near the house- specifically due to the weather, to take care of the animals, and back to the house.  Once there was sufficient snow, they would often build tunnels so they weren't exposed while doing that walk.   Walking into town did not happen in these extreme temperatures. If you had to travel, you might take a sled, covered in blankets with heated rocks (or potatoes if you were lucky!) in your pocket; but still you traveled faster than walking.

Coincidentally, my wife and I are working through the second book of the Little House series. Last night's final chapter was about Almanzo and his family having to get up before dawn to try to save their upstate NY corn field from an unexpected frost... on the morning of July 2nd.

I find some of the things they did to stay warm in the winter downright comical, and of course there were times when it was just so bad that nobody went out at all.

It's pretty great being us, here and now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on August 12, 2015, 10:47:06 AM

I know how to dress appropriately for the weather (I really appreciate the implication that I don't) and when I was commuting on foot during the last two winters, my entire body would ache from the cold. It was intensely unpleasant.
My apologies if any of that came across as offensive, definitely wasn't my intention.  I'm just a strong supporter of doing everything reasonably in your power to avoid short car trips, which it sounds like you do lots of the time.

Quote
Of course! I was just explaining the why :)
And I greatly appreciate learning the why! Just didn't want people in less extreme climates getting the idea that letting the car idle for a while was preferable to walking... I don't doubt that understanding how the cold affects our vehicles will likely be very useful to some of us in the future.

Quote
It's pretty great being us, here and now.
Hell ya!

Sorry for sending this thread so far off topic!  Looking forward to more anti-antimustachian stories.  Here's one:

A conversation about suburbs vs. in-town living was going on and I sent out MMM's article on the true cost of commuting (where he arrives at the logical conclusion that it's worth ~$15k to shorten your commute by 1 mile) just as food for thought for a few people.  Mostly got no responses from anyone... but the one other guy in my office who bikes to work all the time said "Oh, MMM.  Ya my wife loves this website".
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 12, 2015, 01:44:51 PM
And I greatly appreciate learning the why! Just didn't want people in less extreme climates getting the idea that letting the car idle for a while was preferable to walking... I don't doubt that understanding how the cold affects our vehicles will likely be very useful to some of us in the future.
Drive electric, never worry about such things again. :D
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rufus.T.Firefly on August 12, 2015, 02:08:16 PM
Quote
Coincidentally, my wife and I are working through the second book of the Little House series. Last night's final chapter was about Almanzo and his family having to get up before dawn to try to save their upstate NY corn field from an unexpected frost... on the morning of July 2nd.

I find some of the things they did to stay warm in the winter downright comical, and of course there were times when it was just so bad that nobody went out at all.

It's pretty great being us, here and now.

Yeah the Little House series is pretty great - even for adult reading. My wife and I are going back through this series as well. It makes you realize how much this country has changed in 150 years. Pretty eye-opening.

Also, its amazing how much more equal gender roles seemed to be in those times. Sure men and women both had their designated tasks. But when its about survival, everyone pitches in for whatever is needed. Almonzo's father makes $200 for 2, three-year-old colts. Almonzo's mother makes $200 every year on her butter production alone. And she has a variety of side hustles that pull in and save money. These are EXTREME MMM families. Far beyond what we currently would ever have to suffer to achieve retirement. And they did it just to survive.

The idea that the 1950's era gender roles represent "traditional American values" is total bullcrap. The true equal partnership is evident in the marriages in those books and is what it seems we're returning to (albeit, very slowly) after a long hiatus.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: solon on August 13, 2015, 09:32:35 AM
The idea that the 1950's era gender roles represent "traditional American values" is total bullcrap.

I don't think anybody thinks 1950s era gender roles represent "traditional American values". I hear people talking smack about the 1950s all the time. But I've never heard anybody take the opposite view - that is, I've never heard anybody say the 1950s represented the pinnacle of marriage values. Mostly, I think people are beating at strawmen.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rural on August 13, 2015, 07:01:01 PM
Overheard at a faculty meeting today: "but of course I don't carry any balances on my credit cards..."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rufus.T.Firefly on August 13, 2015, 07:03:27 PM
The idea that the 1950's era gender roles represent "traditional American values" is total bullcrap.

I don't think anybody thinks 1950s era gender roles represent "traditional American values". I hear people talking smack about the 1950s all the time. But I've never heard anybody take the opposite view - that is, I've never heard anybody say the 1950s represented the pinnacle of marriage values. Mostly, I think people are beating at strawmen.

I don't think the collective society thinks the 1950s are the pinnacle. Rather, I think that the collective society sees the 1950s as typical - the way it has "always been." Not good, but standard.

I should have re-phrased my original sentence: "the idea that 1950s are representative of the traditional American marriage work/relationship structure is total bull crap." These books show a different way that marriages were structured in the 1800s as it related to work and income.

As an aside, I'm not trying to say the 1800s were the golden era for women's rights or anything like that. That would be preposterous. My reflections only relate to how married couples made income and related to each other through their work. I found the stories in the Little House books are surprising for their time and inspiring in their portrayal of the equally shared burden of both Almonzo's and Laura's parents.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on August 14, 2015, 02:55:35 AM
The three post war decades were probably the peak for mass prosperity and social cohesion in the United States, but I'm not sure the marriages were anything special. It was pretty prosperous in a lot of the world then. In France they're called "Les trentes glorieuses," the thirty glorious years.
Yes, and then neoliberalism took over and we started to hurray the elbow.
In Germany its called "Wirtschaftswunder". (shorter then 30 years, but the same: extensive growing because everything had to be rebuild, it was the time where people where happy about workers from italy or Greece coming to Germany)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: pom on August 14, 2015, 08:08:19 AM
Back to the subject.

My 22 years old jedi apprentice comes from our Canadian office and will work with me in Paris for the next 24 months. We pay her a decent amout of around 2500€ a month after taxes and on top of that 1200€ a month for lodging (which would be enough in Paris for a 400 sqf apartment).

What is a young jedi to do:  she pockets the 1200€ a month and rents a tiny 150 sqf apartment for 500€.

She gets 150€ a month lunch allowance: she brings lunch to work most days and spends the 150€ on groceries.

I frankly doubt that she spends more than 1000€ a month on living expenses.

She travels quite a bit, which makes sense since she might as well take advantage of being in Europe, but I suspect her saving rate is above 50%. Not bad for a 22 years old.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rufus.T.Firefly on August 14, 2015, 09:33:30 AM
Back to the subject.

My 22 years old jedi apprentice comes from our Canadian office and will work with me in Paris for the next 24 months. We pay her a decent amout of around 2500€ a month after taxes and on top of that 1200€ a month for lodging (which would be enough in Paris for a 400 sqf apartment).

What is a young jedi to do:  she pockets the 1200€ a month and rents a tiny 150 sqf apartment for 500€.

She gets 150€ a month lunch allowance: she brings lunch to work most days and spends the 150€ on groceries.

I frankly doubt that she spends more than 1000€ a month on living expenses.

She travels quite a bit, which makes sense since she might as well take advantage of being in Europe, but I suspect her saving rate is above 50%. Not bad for a 22 years old.

This is awesome! Pretty savvy decisions...sounds like she's going to have an awesome abroad experience and walk away with as much as 35-40K in the bank.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: hernandz on August 16, 2015, 12:07:41 AM
Also, I feel cheated as a German American. Nobody gave US an ox and sword for our wedding. Apparently my ancestors got a better deal.

6th anniversary theme is iron and 11th anniversary theme is steel, so depending on your weapon of choice...
14th anniversary theme was ivory -- could substitute "horn" or "bone" for ivory to get your oxen

Or you could choose the GoFundMe option. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 17, 2015, 09:05:16 AM
Stepped over to a CW's cube just now to partake in a conference call.

Happened to glance at browser tabs on screen.

"Mr. Money Mustache - Earl..."

Squeed a little inside.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on August 17, 2015, 09:08:15 AM
Stepped over to a CW's cube just now to partake in a conference call.

Happened to glance at browser tabs on screen.

"Mr. Money Mustache - Earl..."

Squeed a little inside.

Time to have lunch with that co-worker?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on August 17, 2015, 09:24:01 AM


Stepped over to a CW's cube just now to partake in a conference call.

Happened to glance at browser tabs on screen.

"Mr. Money Mustache - Earl..."

Squeed a little inside.

Time to have lunch with that co-worker?


Yeah, leftovers at our desks. ;)

We already have occasional dialogue on financials, and he's interested in streamlining things a bit. I'm pretty sure my occasional FB posts of MMM articles led to this ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: seanc0x0 on August 17, 2015, 03:01:35 PM
(And yes- I have walk-commuted in the winter, about 2 miles. Once it gets below -30, I had someone drive me. I could not figure out a way to keep my feet fully warm, no matter the wool socks, plastic bags, and snow boots. The fact that my glasses froze to my nose so painfully I had to walk without them, thus not being able to see, also really sucked.)
-30? We'll allow it, temporarily. ;)

From the other side of the globe:
School buses can't handle temperatures below 38C, so then kids have to walk to school. If it drops below -50C, attendance is voluntary.
http://www.nrk.no/sapmi/blir-det-kaldere-enn---50_-kan-elevene-holde-seg-hjemme-1.12145152

This is, by the way, a great argument for electric vehicles. I have talked to several EV drivers from the north who tell stories about the benefits of using electricity when it gets so cold that diesel freezes ("and then I just slid silently down the street, while that cocky bmw-owner stayed in the parking lot, unable to start his car due to the cold").

No, honestly, all respect for walking most of the year. No need to get extreme. It is possible, but there is no point.

I live in Saskatchewan, Canada. It routinely goes below -40 in the winter (and up to 35C in the summer). They do cancel busses when it gets really cold, but I can't remember ever having schools closed due to cold.

Until had to put out daughter in daycare (I get cheap parking at work, so I ended up doing the driving on that *sadface* ), I walked to work every single day, rain or shine, extreme heat or extreme cold. The distance was about 3km.

I collected a decent array of clothing from base-layers/wind masks to rain suits, to extremely light weight t-shirts for the hot days.

I actually really like walking in -40 with a stiff wind, it makes me feel like a real badass. ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: choppingwood on August 17, 2015, 06:18:29 PM
I actually really like walking in -40 with a stiff wind, it makes me feel like a real badass. ;)

The thing I used to like about walking on really cold days was that I was warm the whole time. I didn't have to wait for a cold car to warm up.

But a parka-type hood that keeps wind off your face makes all the difference.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: seanc0x0 on August 19, 2015, 10:27:42 AM
I actually really like walking in -40 with a stiff wind, it makes me feel like a real badass. ;)

The thing I used to like about walking on really cold days was that I was warm the whole time. I didn't have to wait for a cold car to warm up.

But a parka-type hood that keeps wind off your face makes all the difference.

Properly attired, it's lovely. If you are missing proper clothing in some area (face, pants, etc), it can be a really unpleasant experience. It's not even that hard to gear up properly. I think I paid less for all my bad weather gear than I would have had to pay in gas/insurance/maintenance on a car to ferry me the same distance for a month or two.

The best thing about walking in extreme weather (cold, snow storms, rain) is the way everything seems different. If you only get out walking when it's warm and sunny, you miss the ways the world changes when conditions are different.  It's really hard to explain, but worth it to experience!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on August 19, 2015, 03:46:11 PM
Properly attired, it's lovely.

One of my favourite quotes from a friend of mine is:
"There's no such thing as bad weather, just the wrong gear."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: luna on August 19, 2015, 08:31:54 PM
Properly attired, it's lovely.

One of my favourite quotes from a friend of mine is:
"There's no such thing as bad weather, just the wrong gear."

There's a Swedish expression that goes "det finns inga dåliga väder, bara dåliga kläder", which pretty much translates to the above. Was your friend Swedish by any chance?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on August 20, 2015, 12:24:15 AM
Properly attired, it's lovely.

One of my favourite quotes from a friend of mine is:
"There's no such thing as bad weather, just the wrong gear."

There's a Swedish expression that goes "det finns inga dåliga väder, bara dåliga kläder", which pretty much translates to the above. Was your friend Swedish by any chance?

There is a similar sentence in german "Es gibt kein schlechtes Wetter, nur unangepasste Kleidung", with unangepasst has the nice implication of not meaning bad but just the wrong type.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: meg_shannon on August 20, 2015, 05:04:46 AM
Off topic, but this phrase is what drew me to my child's previous (we moved) school. Their slogan is, "There's no bad weather, just bad clothing." They spend most of the day outside, unless there is lightning. There's a school here, in Germany, that takes it a bit further and they have hammocks for the kids to nap in and they make a communal lunch over a fire pit. I wish it weren't so far away, but I can't drive her 20 minutes when we have bikes.

On topic, when I waited tables, myself and another worker used to lauder and press our coworkers' work shirts for 2$ each (most of these were summer employees living in dry - no running water - cabins). It was cheaper than the dry cleaners, they met dress code (our boss was super picky about a starched shirt), and we both made a bit of extra money.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: music lover on August 20, 2015, 08:09:43 PM
I actually really like walking in -40 with a stiff wind, it makes me feel like a real badass. ;)

The thing I used to like about walking on really cold days was that I was warm the whole time. I didn't have to wait for a cold car to warm up.

But a parka-type hood that keeps wind off your face makes all the difference.

Properly attired, it's lovely. If you are missing proper clothing in some area (face, pants, etc), it can be a really unpleasant experience. It's not even that hard to gear up properly. I think I paid less for all my bad weather gear than I would have had to pay in gas/insurance/maintenance on a car to ferry me the same distance for a month or two.

The best thing about walking in extreme weather (cold, snow storms, rain) is the way everything seems different. If you only get out walking when it's warm and sunny, you miss the ways the world changes when conditions are different.  It's really hard to explain, but worth it to experience!

I've "experienced" enough cold to last several lifetimes and the thrill is gone. When the choice is walking an hour in -45 windchill or an 8-minute drive, I'll take the car and spend the $2 it costs.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Tabitha on August 20, 2015, 08:58:38 PM
would gladly get pd $800 to skip a flight.
sadly never been offered.
Most i was offered was a voucher for flight (like miles... with blackout dates and limited value).
Passed.

I was on a trip with my Mother this summer. I sadly could not convince her to take the $500 each to take the 3 hour flight delay. Bird in the hand I guess. I've happily taken lesser bonuses ($200) when it was just me or me and my spouse.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: lostamonkey on August 20, 2015, 09:05:54 PM
would gladly get pd $800 to skip a flight.
sadly never been offered.
Most i was offered was a voucher for flight (like miles... with blackout dates and limited value).
Passed.


I was on a trip with my Mother this summer. I sadly could not convince her to take the $500 each to take the 3 hour flight delay. Bird in the hand I guess. I've happily taken lesser bonuses ($200) when it was just me or me and my spouse.

I don't know how people can turn down $167 tax-free risk-free dollars per hour. That's insane. Even if I was a millionaire and FIREd I would not turn the money down.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on August 21, 2015, 11:29:11 AM
Was your friend Swedish by any chance?

No, he was an ex US Army Ranger who spent a lot of time living in Alaska.

I wish I had some Swedish friends to help me get the pronunciation of that version right... I might be able to get close with the German one thanks to some Dutch relatives though.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on August 21, 2015, 11:41:05 AM
would gladly get pd $800 to skip a flight.
sadly never been offered.
Most i was offered was a voucher for flight (like miles... with blackout dates and limited value).
Passed.


I was on a trip with my Mother this summer. I sadly could not convince her to take the $500 each to take the 3 hour flight delay. Bird in the hand I guess. I've happily taken lesser bonuses ($200) when it was just me or me and my spouse.

I don't know how people can turn down $167 tax-free risk-free dollars per hour. That's insane. Even if I was a millionaire and FIREd I would not turn the money down.

The most I was ever offered was $400 but since it was a small regional airport to a big one like Atlanta the flights weren't few hours. I usually took the mid day flight, which meant that to get bumped I'd have to fly out the next day. Not really worth it when I'd loose a day of PTO and have to drive back a hour home.

On the same note, I used to pray I'd get overbooked from my Atl to "home" flight. I would have gotten bumped for $1. :-P
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on August 24, 2015, 08:53:26 AM
Overhead In Canada.

While visiting some relatives in the Toronto area - Brampton - I noticed that on trash day they could only put 2 bags.

I asked my cousin about it and he said they are only allowed to put 2 trash bags. At first, I was like wtf that sucks, but then I realized that all the neighbors had various bins for recycling.

So they are allowed only 2 bags of trash (not sure what size but the larger type of trash bags) but unlimited recycling. I thought that was actually pretty cool as it seems like a good way to encourage recycling over being wasteful.

Anyone familiar with the actual rules or laws, feel free to correct any of my "facts".
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: arpies on August 24, 2015, 09:37:17 AM
Don't know about Brampton, but in nearby Milton it was the same at two bags but garbage pickup was every second week, while recycling and compost were weekly.

Whereas in rural Nova Scotia it was weekly and you could put out as much as you like but you had to use government issued clear bags and would be fined $x/item that could've been recycled/composted.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: choppingwood on August 24, 2015, 10:01:33 AM
My sister has lived in two different cities in Ontario. Both required people to recycle -- nothing could go in the "garbage" that could be re-cycled, and there are lots of categories of things that have to be packed up separately. So there is a lot of sorting, but great re-cycling.

I've lived in a couple of places in Alberta. One provided a great big bin for garbage and one for re-cycling and you could put extra clear blue bags out for extra re-cycling. They had set pretty high goals for recycling and found that the goals were easily being exceeded, by making it easy for people. Where I live permanently now supplies a big bin for garbage. You are allowed to put four bags in it each week, though I'd never get anywhere near that. Recycling gets picked up every two weeks and grass clippings are picked up separately every week. Recycling is billed on your village bill, which includes water, sewer and natural gas for heating, so you are paying for it whether or not you use it. Bottles, milk cartons and tetrapaks have a deposit and you take them back to a bottle depot.

In Saskatchewan you had to pay a recycling company to come pick up your recycle boxes.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Cookie78 on August 24, 2015, 10:15:40 AM
Whereas in rural Nova Scotia it was weekly and you could put out as much as you like but you had to use government issued clear bags and would be fined $x/item that could've been recycled/composted.

I remember this!! I lived in rural Nova Scotia for a year. It was my first experience with recycling and composting being part of the regular garbage pickup. Luckily my roommate, from Ontario, was very knowledgeable about what could be recycled and showed me the way. We had VERY little garbage each week.

Now, in Calgary, we have a black bin for garbage (as far as I know, no bag limit. I rarely have more than half a bag) and a blue bin for recycling. I hear they are doing trial runs in some areas for a green bin for composting now, but I compost everything for my own garden anyway.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: BackNColo on August 24, 2015, 12:17:45 PM
When I was 19 and in the Navy, one of my electronic instructors stopped the class and said, " I love the Navy and I want to stay as long as I can, but if you don't like it, don't let money keep you in. Save your money."

That man was wise. I was always cheap, but once I decided I wanted to leave after my enlistment, it wasn't a problem. So many friends and coworkers should have listened.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FrugalWad on August 27, 2015, 08:10:11 AM
When I was 19 and in the Navy, one of my electronic instructors stopped the class and said, " I love the Navy and I want to stay as long as I can, but if you don't like it, don't let money keep you in. Save your money."

That man was wise. I was always cheap, but once I decided I wanted to leave after my enlistment, it wasn't a problem. So many friends and coworkers should have listened.

It must run in the rate. My electronic instructor and I wound up talking about our sign-up bonuses. He said when he enlisted, while everyone else wound up buying cars or huge TVs or whatever, he put his in the bank.

In part of one of our indoc classes, there were instructors coming in waves who talked about everything from TSP to investments to not being an idiot and living paycheck to paycheck, never going into debt, all that good stuff. Pushing for financial responsibility was a big thing in the Navy then as now; losing a top secret clearance because of debt was a big issue. During one of the classes, a seaman said how he was spending more than half his paycheck on a new car and insurance to the tune of about $900 a month. I felt like I was in good company when just about everyone looked at him and asked if he was nucking futz.

In the same class, a guy was putting 100% of his pay into savings or investments. When room and board are paid for and there are a ton of free things to do on base and through MWR, why not?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on August 27, 2015, 08:25:29 AM

In the same class, a guy was putting 100% of his pay into savings or investments. When room and board are paid for and there are a ton of free things to do on base and through MWR, why not?

That's awesome! A  buddy of mine from college that was in ROTC told me something similar. He's also taking advantage of programs that the military offers for Rosetta Stone and other things.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on August 27, 2015, 08:27:54 AM

In the same class, a guy was putting 100% of his pay into savings or investments. When room and board are paid for and there are a ton of free things to do on base and through MWR, why not?

Wow, that's impressive.

Thanks to all the Canadians above who elaborated on what I mentioned. I truly think that is an awesome system.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Joggernot on August 29, 2015, 06:04:00 AM
I'm proud of my son.  The girlfriend of his oldest son was looking for a car.  He told her to not buy anything the first day.  She goes to the ex-boyfriend of her mother and gets pricing for a car at $10k, at 6%, with extended warranty and GAP insurance.  All for only $250/mo for 6 years.  At least she didn't buy it!

So my son goes down with her to actually buy the car, but FIRST they went to the credit union and got some 2.9% financing for the car.  Then, at the dealer, he crossed out the warranty and the GAP insurance and talked the cost down to $8k based on the car itself.  This was about $200/mo for 6 years.

She was very pleased with having my son help her on her first car.  Guess he has learned and is no longer a grasshopper... :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: cs33988 on August 31, 2015, 08:49:17 AM
Coworker got a quote from Honda to fix her oil pan gasket (~400$).  She came to me and asked what she needed to do it herself and if I would help her, since I do all my own car maintenance.  New total cost = ~75$ in parts + 7$ Chick Fil A lunch for me + life skills.  She couldn't have been happier to tell Honda to shove it. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: La Bibliotecaria Feroz on August 31, 2015, 02:14:54 PM
Coworker got a quote from Honda to fix her oil pan gasket (~400$).  She came to me and asked what she needed to do it herself and if I would help her, since I do all my own car maintenance.  New total cost = ~75$ in parts + 7$ Chick Fil A lunch for me + life skills.  She couldn't have been happier to tell Honda to shove it.

I wish I had a coworker like you :-). My dad is a retired ASE master tech but alas, he lives 1700 miles away.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on August 31, 2015, 02:19:11 PM
Coworker got a quote from Honda to fix her oil pan gasket (~400$).  She came to me and asked what she needed to do it herself and if I would help her, since I do all my own car maintenance.  New total cost = ~75$ in parts + 7$ Chick Fil A lunch for me + life skills.  She couldn't have been happier to tell Honda to shove it.

I wish I had a coworker like you :-). My dad is a retired ASE master tech but alas, he lives 1700 miles away.

Dealerships are going to charge way more than a mechanic would. That's great that you were able to help her, and she was able to learn, and that she was willing to learn. I'm starting to work on my car, and it is a great feeling having done something yourself. I had time on a Friday afternoon at work and so I installed a new stereo in my car after mine stopped working, and after installing it, I had a smile on my face the whole weekend, just knowing that I did it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on September 01, 2015, 06:49:42 AM
Shower in the other bathroom (I know - but the house was great buy) stopped working.
Was being told by DW to take a day off work to meet the plumber.

Found a video on instructibles about how to take the cartridge out, couldn't find anything wrong when I stripped the cartridge down - so decided to go to home depot for a replacement. The guy in the plumbing aisle looks at it goes to a cupboard and hands me a new one with no-charge written on it. They have a lifetime warrantly if you return the old part.

So day off work and $300 plumbers bill turned into a free fix and now I know how to do the other when it breaks. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on September 01, 2015, 08:23:13 AM
Shower in the other bathroom (I know - but the house was great buy) stopped working.
Was being told by DW to take a day off work to meet the plumber.

Found a video on instructibles about how to take the cartridge out, couldn't find anything wrong when I stripped the cartridge down - so decided to go to home depot for a replacement. The guy in the plumbing aisle looks at it goes to a cupboard and hands me a new one with no-charge written on it. They have a lifetime warrantly if you return the old part.

So day off work and $300 plumbers bill turned into a free fix and now I know how to do the other when it breaks.

"Flawless victory!" Imagine me saying that like the voice-over in Mortal Kombat.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on September 01, 2015, 08:35:55 AM
Shower in the other bathroom (I know - but the house was great buy) stopped working.
Was being told by DW to take a day off work to meet the plumber.

Found a video on instructibles about how to take the cartridge out, couldn't find anything wrong when I stripped the cartridge down - so decided to go to home depot for a replacement. The guy in the plumbing aisle looks at it goes to a cupboard and hands me a new one with no-charge written on it. They have a lifetime warrantly if you return the old part.

So day off work and $300 plumbers bill turned into a free fix and now I know how to do the other when it breaks.

"Flawless victory!" Imagine me saying that like the voice-over in Mortal Kombat.

Tossed Saladality?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on September 01, 2015, 11:02:34 AM
So day off work and $300 plumbers bill turned into a free fix and now I know how to do the other when it breaks.
Wow, very nice!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Chris22 on September 01, 2015, 01:19:21 PM
Shower in the other bathroom (I know - but the house was great buy) stopped working.
Was being told by DW to take a day off work to meet the plumber.

Found a video on instructibles about how to take the cartridge out, couldn't find anything wrong when I stripped the cartridge down - so decided to go to home depot for a replacement. The guy in the plumbing aisle looks at it goes to a cupboard and hands me a new one with no-charge written on it. They have a lifetime warrantly if you return the old part.

So day off work and $300 plumbers bill turned into a free fix and now I know how to do the other when it breaks.

I replaced a cartridge in my shower once, I don't remember the cartridge being particularly expensive ($10-15?) but I do remember having to buy a $25 (or something similar) special tool to remove the bad one and install the good one.  Still have the tool, but that was annoying. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: UnleashHell on September 01, 2015, 01:38:01 PM
I bought my current house out of foreclosure. It had been empty for 18+ months .
The mixer taps in both bathroom showers had seized shut. Instead of calling a plumber I took the fascia off and went to Lowes and talked to them how to do it (with a little research on youtube too). Bought new mixer values and a special removal tool and set to it. Took me about 3 hours (they were jammed in and seized good) but I got it done. Cost me about $30 total. I’m sure a plumber would have been far quicker and more efficient and probably wouldn’t have slashed his knuckles open on the sharp tile edges but where’s the fun in that??? 
I figured it wasn;t working anyway so what was the worse case scenario?? (I did get a bit wet with the tests as well….

Saved a small fortune, learnt about my house and got it done myself. It’s all good.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on September 01, 2015, 01:40:51 PM
and went to Lowes and talked to them how to do it

I'm shocked they knew how to!  Last time we were at Lowes, just to get a lock rekeyed, we had to explain to the guy manning the keying center how to do it!

(Good for you though!)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: UnleashHell on September 01, 2015, 02:03:29 PM
and went to Lowes and talked to them how to do it

I'm shocked they knew how to!  Last time we were at Lowes, just to get a lock rekeyed, we had to explain to the guy manning the keying center how to do it!

(Good for you though!)

Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on September 01, 2015, 02:11:05 PM
and went to Lowes and talked to them how to do it

I'm shocked they knew how to!  Last time we were at Lowes, just to get a lock rekeyed, we had to explain to the guy manning the keying center how to do it!

(Good for you though!)

Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

I've got a leaky faucet and suspect the cartridge is leaking... Replacement runs over $50 online but I've also heard they will send you one free sometimes if you complain.  Don't look forward to opening this one up since the potential for leaking down my wall
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: UnleashHell on September 01, 2015, 02:18:04 PM
and went to Lowes and talked to them how to do it

I'm shocked they knew how to!  Last time we were at Lowes, just to get a lock rekeyed, we had to explain to the guy manning the keying center how to do it!

(Good for you though!)

Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

I've got a leaky faucet and suspect the cartridge is leaking... Replacement runs over $50 online but I've also heard they will send you one free sometimes if you complain.  Don't look forward to opening this one up since the potential for leaking down my wall

If you are noticing the leak down then how much aren;t you noticing inside the wall? you can take the tap and backing plate off quite easily and have a look.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on September 01, 2015, 03:55:10 PM
but I do remember having to buy a $25 (or something similar) special tool to remove the bad one and install the good one. 
Didn't know about the special tool until I read the instructions that came with the part I was putting back in......

So I used vise grips to grab the cartridge, a block of wood as a lever and hit it the other end with a wrench - but I am a rocket scientist !
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Spawnstache on September 02, 2015, 04:17:33 AM
Was your friend Swedish by any chance?

No, he was an ex US Army Ranger who spent a lot of time living in Alaska.

I wish I had some Swedish friends to help me get the pronunciation of that version right... I might be able to get close with the German one thanks to some Dutch relatives though.

Doing my best with Swedish pronounciation:
"Debt fins in get door licked vader, debt fins bar adore leg ack ladder"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RidinTheAsama on September 02, 2015, 09:58:13 AM
^ Thanks!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Chris22 on September 02, 2015, 10:11:30 AM
but I do remember having to buy a $25 (or something similar) special tool to remove the bad one and install the good one. 
Didn't know about the special tool until I read the instructions that came with the part I was putting back in......

So I used vise grips to grab the cartridge, a block of wood as a lever and hit it the other end with a wrench - but I am a rocket scientist !

I remember not being able to get the cartridge OUT without the tool, but that was early on in my homeowner career, would likely be a better jury-rigger today ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jda1984 on September 03, 2015, 02:26:43 PM
I've got a leaky faucet and suspect the cartridge is leaking... Replacement runs over $50 online but I've also heard they will send you one free sometimes if you complain.  Don't look forward to opening this one up since the potential for leaking down my wall

If it is a major brand (Delta, Moen, etc.) they likely have a lifetime warranty.  You will need the model number and when you purchased it (I'm not sure, but I don't know if it is transferable) and call the warranty number.  I did it just recently for a Delta faucet that had the stem break off in my rental (not quite sure how one breaks off a brass stem...).  It was relatively painless, but did take a week or so for the part to come in the mail (I ended up buying one and returning the one I received under warranty).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dsmexpat on September 03, 2015, 02:59:07 PM
Nominating myself here. I work in the public sector and our office is overflowing with iMacs, MacBooks and iPads. We have over two Mac products per employee with a dozen iMacs sitting idle in empty offices. Today I got asked to buy a new MacBook for a new employee. We are having a bit of a budget crisis, the state slashed our budget because they weren't getting as much money from fossil fuel taxes as they'd planned.

I offered up my own brand new work MacBook as a sacrifice for the new employee. I will have to make do with just an iPad, iMac and windows laptop.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: paddedhat on September 05, 2015, 10:23:03 AM

I replaced a cartridge in my shower once, I don't remember the cartridge being particularly expensive ($10-15?) but I do remember having to buy a $25 (or something similar) special tool to remove the bad one and install the good one.  Still have the tool, but that was annoying.

Did the same thing, but I got to thinking, as the bag the tool came in was nearly worn out, and heavily rebuilt with clear packing tape. I said to myself, "wonder how many times this thing got returned to Lowe's after somebody just needed to use it once?" Then I used it, slipped it back in the bag and returned it. At that point my Lowe's bill was typically in the 3-5K a month range, so I didn't loose much sleep over it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on September 08, 2015, 02:10:51 PM
At that point my Lowe's bill was typically in the 3-5K a month range

Wait, what?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on September 08, 2015, 02:45:09 PM
At that point my Lowe's bill was typically in the 3-5K a month range

Wait, what?
Either doing a major home reno - or didn't know that cordless tool batteries are rechargable
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on September 09, 2015, 08:07:12 AM
Either doing a major home reno - or didn't know that cordless tool batteries are rechargable
[/quote]
ROFL

Still the old non-recharable batteries ^^
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on September 09, 2015, 08:10:46 AM
At that point my Lowe's bill was typically in the 3-5K a month range

Wait, what?
Either doing a major home reno - or didn't know that cordless tool batteries are rechargable

lol
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dsmexpat on September 10, 2015, 03:20:11 PM
Nominating myself here. I work in the public sector and our office is overflowing with iMacs, MacBooks and iPads. We have over two Mac products per employee with a dozen iMacs sitting idle in empty offices. Today I got asked to buy a new MacBook for a new employee. We are having a bit of a budget crisis, the state slashed our budget because they weren't getting as much money from fossil fuel taxes as they'd planned.

I offered up my own brand new work MacBook as a sacrifice for the new employee. I will have to make do with just an iPad, iMac and windows laptop.
My boss's boss has overruled this. Apparently we have money sitting in an account and we haven't spent any of it in a while and he doesn't want anyone to think that we don't want or need that money so he's going to spend some to show that we do want and need it. The new employee already has an identical MacBook we're buying her, only apparently her keyboard is dirty.

Your tax dollars at work.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on September 11, 2015, 02:40:41 AM
My boss's boss has overruled this. Apparently we have money sitting in an account and we haven't spent any of it in a while and he doesn't want anyone to think that we don't want or need that money so he's going to spend some to show that we do want and need it. The new employee already has an identical MacBook we're buying her, only apparently her keyboard is dirty.

Your tax dollars at work.
[/quote]
That bullshit is not restricted to public service. It is normal for any bureocracy.
Everything that works on budget has people spend money in the budget just to have it spend, because if it is not spend, it will be cut away, and it is way harder to get new money in the budget then to not lose old, and most budgets don't even allow for moving of funds.

That is one reaon why some big company "restructure" themselves every few years.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on September 11, 2015, 08:58:17 PM
My boss's boss has overruled this. Apparently we have money sitting in an account and we haven't spent any of it in a while and he doesn't want anyone to think that we don't want or need that money so he's going to spend some to show that we do want and need it. The new employee already has an identical MacBook we're buying her, only apparently her keyboard is dirty.

Your tax dollars at work.
That bullshit is not restricted to public service. It is normal for any bureocracy.
Everything that works on budget has people spend money in the budget just to have it spend, because if it is not spend, it will be cut away, and it is way harder to get new money in the budget then to not lose old, and most budgets don't even allow for moving of funds.

That is one reaon why some big company "restructure" themselves every few years.
[/quote].

That's one thing I do like about my small business. There is a complete incentive to lower expenses wherever possible. I was just a trade show and booked my stay at a hotel that is way cheaper than the one most others use, because it was all the same to me. I could have saved even more by staying at an AirBNB, but don't want to for a work trip.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: 1967mama on September 12, 2015, 01:00:45 PM
I had to drive into the city yesterday for a medical appointment and saw a guy riding a foldable bike with square pails for panniers...I felt like I was for sure seeing a real-life Mustachian! :-)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie on September 16, 2015, 08:48:35 AM
Discussion going on about mortgages, home ownership vs. renting, etc.
Me: something about how renting is great
CW: "Renting is great... especially when you are used to living with roommates and pay for your mortgage renting to friends!"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: purplearcanist on September 16, 2015, 02:06:33 PM
Well, I have a story about some roommates.  But then again all of my roommates did a trade with me, paying no rent in exchange for helping me out.  A deal that is probably attractive for mustacians and draws them out of the woodwork.

One of my previous roommates worked at Starbucks.  She had no car, but would have to start work early in the morning at around 3:00AM so she bike rode slightly over 3.5 miles at that time.  Also, her food expenses were pretty low, she cooked mostly pasta and canned soup and had some complimentary drink mixes courtesy of Starbucks.  Sadly, she was only my roommate for 1 month.



Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: kandj on September 16, 2015, 02:49:33 PM
I work at a very small family owned business with just a handful of employees. The engineer is only a few years older than me and bought his first house/small farm at 25, and as of a few months ago he has it paid in full (just over a year later). He is incredibly frugal and aside from no debt, drives a 20 year old car, has an old truck for his farm vehicle (plus some old tractors), and I know he opened a Roth IRA this summer. Although he doesn't (or wasn't when we talked about it) maxing out his retirement, I have a feeling he is going to be pretty wealthy in the coming years.
We also go to a small number of tradeshows a year and I loved it when I talked my boss into renting a house instead of 3 hotel rooms and letting us get groceries instead of eating out always. He is already super cheap (not always in a good way) so he loves the savings and I enjoy being more comfortable.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on September 16, 2015, 03:13:23 PM

The opposite of a mustache is an amish beard. I view the Amish as quite a Mustachian people, so even that won't work.

At the risk of necro'ing the thread... the true opposite of a mustache would be some kind of Brazilian wax.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: paddedhat on September 16, 2015, 05:41:51 PM
At that point my Lowe's bill was typically in the 3-5K a month range

Wait, what?
Either doing a major home reno - or didn't know that cordless tool batteries are rechargable

Thanks, that made me LOL.  Until recently I was a builder who did all my own mechanical work. I found Lowes to be my best source for the finishing end all my plumbing and electrical work, everything from switches and receptacles to sinks, toilets, and all the appliances. Given that, it's pretty easy to keep a stiff tab going at a place likes Lowes. Disclaimer: Always used the Lowes CC for the 5% discount, and paid in full as soon as the bill showed up in my E-mail.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TravelJunkyQC on September 17, 2015, 07:18:06 AM
Had dinner with a younger collegue friend of mine last night. We started talking finance because its a topic I love and that she knows little about but has a certain interest. We make approximately the same salary, and she divulged that she puts aside 300$ per paycheck into her TFSA (Tax-Free Savings Account here in Canada). She's a bit scared of some day not having enough money, so she did it as an afterthought.
This amounts to approximately 25% of her take-home pay - and after calculating with her how much that is per year, and an average return, she got super excited to know that she was well on her way to have 1 million $ before traditional retirement age if she continues on this path. Granted, she has a financial advisor that she doesn't know how much she pays for (percentage of her returns), but the fact that this 24 year old puts away over 7,000$ a year on a approximately 30,000$ take home pay is something I'm very proud of. I may even have piqued her interest in self-managing her funds in the future :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on September 17, 2015, 09:01:00 AM
she got super excited to know that she was well on her way to have 1 million $ before traditional retirement age if she continues on this path.

Great job! This is what started to open my eyes about saving and investing.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: phantom on September 18, 2015, 11:45:33 AM
This week in our employee news letter, there was a video interview with one of my favorite co-workers.  The entire interview was hilarious, but this was the anti-antimustachian highlight:

I: What's your dream car?
CW:  Paid for
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: skunkfunk on September 21, 2015, 01:51:31 PM
FI came up at a gig this weekend. Turns out, the guy saves even more money than I do. He might even be in this very thread...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: irishbear99 on September 24, 2015, 09:03:31 AM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on September 24, 2015, 09:18:22 AM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Hey, I resemble that remark!  My '95 Corolla has 200k and the original tape deck.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on September 24, 2015, 09:22:07 AM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Hey, I resemble that remark!  My '95 Corolla has 200k and the original tape deck.

I wish my tape deck worked, I enjoyed using it to listen to my Ipod, but when it crapped out I bought an aftermarket stereo and got a lot of pleasure in installing it myself (very minimal mechanical skills). I felt happy that I was able to do this and realized just how many things I could take care of on my own.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Threshkin on September 24, 2015, 09:27:47 AM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Hey, I resemble that remark!  My '95 Corolla has 200k and the original tape deck.
My 2000 van only has 140K miles but it has the original tape deck.  I'm getting there but at our current mileage per year it will take 12 years to get to 170K.

Now if i could only find some tapes!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: antarestar on September 24, 2015, 12:26:49 PM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Hey, I resemble that remark!  My '95 Corolla has 200k and the original tape deck.
My 2000 van only has 140K miles but it has the original tape deck.  I'm getting there but at our current mileage per year it will take 12 years to get to 170K.

Now if i could only find some tapes!

I saw some awesome new wave tapes at Goodwill the other day.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TravelJunkyQC on September 24, 2015, 02:29:02 PM
Had a field trip (for lack of a better phrase) at work yesterday and my coworker offered to drive. Her car has 170k miles on the odometer and still has the original tape deck in the dash. I was seriously impressed.
Hey, I resemble that remark!  My '95 Corolla has 200k and the original tape deck.
My 2000 van only has 140K miles but it has the original tape deck.  I'm getting there but at our current mileage per year it will take 12 years to get to 170K.

Now if i could only find some tapes!

I miss my 1998 Subaru Impreza with 250k and a beautiful tape deck...
It's okay, I switched to a 2004 Hyundai Sonata last year with the radio stuck on one station. Anyone like all-day, every-day jazz music?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: lemanfan on September 24, 2015, 02:43:17 PM
Anyone like all-day, every-day jazz music?

Yay!  :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpeedReader on October 08, 2015, 09:01:24 PM
Very proud of one of the guys on my team at work.  Today he told me, "My wife just got a promotion!  I told her to get online and increase her 401k savings rate immediately."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dee on October 09, 2015, 05:19:24 PM
I've been carpooling with a co-worker. It shouldn't be too surprising that someone whose into carpooling is into reducing expenses. She's mentioned a number of mustachian things like choosing an affordable house, planning to have it paid for in the next 10 years and, most recently, successfully have a no-spend week. She's a good influence, for sure! I'm lucky to get to car pool with her.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: stripey on October 29, 2015, 07:32:37 AM
Yesterday...

Coworker (who has just purchased second residential property) ended up chatting about how once one of the houses is paid off she and partner shouldn't really need that much to live on, and how she will probably have the option of retiring in her early fifties, despite just embarking on yet another underpaid postgraduate qualification.

I commented that 1 million in shares and a paid-off residence will be quite enough for me and I'll reach it about the same time as her. Should throw off about 30k per annum after franking.

She commented that you could probably get away for much less, and that superannuation (Aussie equivalent- kind of - for 401k) could just be the icing on the cake (I agree, of course).

Today...

Other office mates (all less well-off than us, I believe) complaining about how poor quality economy plane flights are and how they'd never use them. Coworker and I give each other amused looks.


My colleagues are such a mixture of totally clued up and totally clueless, it's hilarious.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie on October 29, 2015, 07:45:16 AM
Coworker told me he likes the kind of car I have (1st gen Honda Insight) but he would never buy one because they're too expensive. I said I paid $5k for mine. He said yes, he never pays over $2k for a car. (He fixes them up himself.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on October 29, 2015, 12:32:05 PM
I commented that 1 million in shares and a paid-off residence will be quite enough for me and I'll reach it about the same time as her. Should throw off about 30k per annum after franking.


Free postage is a sure-fire way to FI.

Other office mates (all less well-off than us, I believe) complaining about how poor quality economy plane flights are and how they'd never use them. Coworker and I give each other amused looks.

Seriously, I hate it when the wings fall off my economy flights.  That never happens in first class!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on October 29, 2015, 12:39:41 PM
Today...

Other office mates (all less well-off than us, I believe) complaining about how poor quality economy plane flights are and how they'd never use them. Coworker and I give each other amused looks.


My colleagues are such a mixture of totally clued up and totally clueless, it's hilarious.

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: stripey on October 29, 2015, 11:06:08 PM

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.


Sorry for the ambiguity. I meant a budget airline. I am not from N. America and I have no idea who Delta or Spirit Air is.

I commented that 1 million in shares and a paid-off residence will be quite enough for me and I'll reach it about the same time as her. Should throw off about 30k per annum after franking.


Free postage is a sure-fire way to FI.


Again sorry to the ambiguity, I forgot that's a common usage of 'franking' in other parts of the world. I meant fully-franked dividends (In common Australian parlance, franking credits being a means of shareholders avoiding paying tax on dividends when the company has already paid tax).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on October 30, 2015, 08:18:35 AM

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.


Sorry for the ambiguity. I meant a budget airline. I am not from N. America and I have no idea who Delta or Spirit Air is.




Delta is a major US airline, and IMHO it is the nicest--that being said, the prices really aren't any different than the other major airlines. For that matter, the flights are really about the same as well--the "other major airlines" in this scenario being United and American.

Spirit Airlines is a budget airline. Actually, that is not fair to airlines. Spirit Airlines is the Dollar Store of the skies. Or maybe the portable-toilet-of the skies. I will never fly Spirit Air again, and it has even scared me into staying away from the other budget airlines. Just not worth it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on October 30, 2015, 09:01:42 AM

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.


Sorry for the ambiguity. I meant a budget airline. I am not from N. America and I have no idea who Delta or Spirit Air is.




Delta is a major US airline, and IMHO it is the nicest--that being said, the prices really aren't any different than the other major airlines. For that matter, the flights are really about the same as well--the "other major airlines" in this scenario being United and American.

Spirit Airlines is a budget airline. Actually, that is not fair to airlines. Spirit Airlines is the Dollar Store of the skies. Or maybe the portable-toilet-of the skies. I will never fly Spirit Air again, and it has even scared me into staying away from the other budget airlines. Just not worth it.

Stripey, if you're British, think Ryan Air.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jinga nation on October 30, 2015, 10:06:11 AM
Delta is a major US airline, and IMHO it is the nicest--that being said, the prices really aren't any different than the other major airlines. For that matter, the flights are really about the same as well--the "other major airlines" in this scenario being United and American.

Spirit Airlines is a budget airline. Actually, that is not fair to airlines. Spirit Airlines is the Dollar Store of the skies. Or maybe the portable-toilet-of the skies. I will never fly Spirit Air again, and it has even scared me into staying away from the other budget airlines. Just not worth it.
Please don't insult the dollar (or pound) stores. The Family Dollar, Dollar General, and Dollar Tree stores in my area are cleaner and have better service than Wal-Mart.
Spirit, one and done with that atrocious airline. There is cheap, then there is Spirit cheap. They gave me coupons for my 6 hour delay; coupons were not accepted 2 weeks later when I wanted to book another flight.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dollar Slice on October 30, 2015, 10:26:35 AM
Spirit, one and done with that atrocious airline. There is cheap, then there is Spirit cheap. They gave me coupons for my 6 hour delay; coupons were not accepted 2 weeks later when I wanted to book another flight.

I still feel a little bad about it 2+ years later - I was trying to get a friend to come to a weekend trip somewhere, and the cheapest flights were Spirit and he refused to fly on that airline again because of prior bad experiences, so we were looking at other airlines. Long story short, I ended up surprising him with a gift plane ticket because he had a death in the family and had to spend his vacation fund on a trip home. I looked up the amount to fly on a non-Spirit flight and sent the money to his husband, who I was conspiring with - he booked the flight, packed his suitcase and took care of the whole "surprise! you're going to the airport!" bit. But the husband booked the cheaper Spirit Air flight... my friend was of course far too polite to complain about a free plane ticket, but I knew he must have hated flying with them!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on November 04, 2015, 09:04:47 AM
Coworker told me he likes the kind of car I have (1st gen Honda Insight) but he would never buy one because they're too expensive. I said I paid $5k for mine. He said yes, he never pays over $2k for a car. (He fixes them up himself.)

That's pretty impressive.

ps - 1st gen Insight is sick. I would buy a new one in a second if they still offered a manual transmission.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on December 11, 2015, 08:25:56 AM
I had one for this thread, but it took me two days to find it.

Several engineers in my office have to travel for work. Most of them save up frequent flyer miles, hotel points, and rental car points to go on a discounted vacation with their families every couple years.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dandarc on December 11, 2015, 09:34:14 AM
I had one for this thread, but it took me two days to find it.
We're in that time of year where the anti-mustachian experiences far outweigh the anti-anti-mustachian experiences.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Cookie78 on December 11, 2015, 09:44:39 AM
Yesterday I heard a coworker talk about how a relative of hers realized if they changed their phone plan to one with less data (maybe it was no data) they would save enough to retire three years earlier. I jumped into the conversation and got some good info from her because my phone plan is one thing I have left that could certainly be lowered to a more reasonable rate.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: La Bibliotecaria Feroz on December 11, 2015, 08:45:29 PM
One of my coworkers mentioned that she used to buy a can of La Croix from the vending machine every day, but then she realized she could get a twelve pack of the Kroger brand, bring it from home, and save boatloads.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: meg_shannon on December 16, 2015, 07:37:49 AM
While my husband's colleagues were over for dinner on Sunday, we talked about their upcoming move. They mentioned that their first priority was that their apartment was within biking distance of work and their daughters daycare (which is no easy feat as the daycare/preschools are a bit overwhelmed and you don't always get your first choice). Considering that their new area also has good public transport, they won't need a car.

Also, they are upgrading to a one bedroom for their current studio apartment.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on December 16, 2015, 05:19:16 PM
you don't always get your first choice

I can understand if a place is full, but I think it's insane how competitive daycare has become. I read that in NYC, if applying for an "elite" place, it is advised that a couple should apply to at least 6 and write kiss-ass letters to their top choices.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: meg_shannon on December 17, 2015, 02:00:26 AM
you don't always get your first choice

I can understand if a place is full, but I think it's insane how competitive daycare has become. I read that in NYC, if applying for an "elite" place, it is advised that a couple should apply to at least 6 and write kiss-ass letters to their top choices.

It makes sense, especially in high density areas with expensive real estate. Daycares/preschools have to be full, or nearly full, to stay solvent and pay the teachers/carers. Establishments with a good reputations and reasonable cost (the sweet spot, whatever that is for the region) are going to have incredible wait lists.

American public schools are pretty unique that you can just sign your kid up and they start right away. In Germany, at least the town I'm in, it can take a while for a slot to open up if you don't plan ahead (even for elementary age kids). I think it's easier for older kids because the teacher-student ratios are more flexible. Still, many professional parents opt for private school to avoid these hassles.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie on December 17, 2015, 08:15:04 AM
One coworker just brought in a ham bone for another coworker to take home and make soup! And these are both ~28 year old guys.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on December 17, 2015, 10:14:28 AM
Quote
One coworker just brought in a ham bone for another coworker to take home and make soup! And these are both ~28 year old guys.
(http://m.quickmeme.com/img/01/01e48907d3c6b96ce86502794307abec0cea29f0205a492fad96d2db426354cc.jpg)
http://youtu.be/Sr2PlqXw03Y
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dollar Slice on December 17, 2015, 01:28:48 PM
One of my co-workers decided as a holiday gift to the office he would buy a mini-fridge and microwave for everyone to share.

I'm not sure if it will work out as anti-anti-mustachian for the co-worker, but at the least he took one for the mustachian team, as it were. My office moved last year and threw away the old broken fridge and microwave. But we never got a new one in the new office (I hinted a few times, but the boss never decided to do it). No fridge/micro makes it much harder to bring leftovers from home to have for lunch, and people are more likely to buy individual cold drinks instead of bulk purchasing something from the grocery store, etc. In my case I even wasted some money on instant chemical cold packs when I had an injury that needed icing and there was no freezer to put a reusable cold pack in.

Now I just have to actually get myself back into the habit of packing lunches...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on December 17, 2015, 01:54:28 PM
One of my co-workers decided as a holiday gift to the office he would buy a mini-fridge and microwave for everyone to share.

A buddy of mine works at a small office that didn't have a fridge, the owner wouldn't get around to buying one, so he found one of the side of the street and brought it in. It works, though likely is horribly energy efficient. All of a sudden the busy owner that was just too swamped to think of getting a fridge managed to find an energy efficient one and told him to get rid of the fridge. The timing was just uncanny.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: infogoon on December 17, 2015, 03:16:32 PM
you don't always get your first choice

I can understand if a place is full, but I think it's insane how competitive daycare has become.

Some friends in Boston told me that you essentially have to apply to every daycare you can find, and just take whatever one has an open spot. There's very little excess capacity.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: paddedhat on December 17, 2015, 04:24:47 PM
Please don't insult the dollar (or pound) stores. The Family Dollar, Dollar General, and Dollar Tree stores in my area are cleaner and have better service than Wal-Mart.

Wow, you must either have one incredibly nasty Walmart, or some real outliers in the dollar store category? We spend part of our winters in NW FL. in an area where the Dollar General store is only very slightly cleaner than a shit splattered cattle barn, and the clientele look like extras from the original Star Wars café scene. Our Dollar General store near our home in the Northeast is so F'ed up that I have had conversations with corporate about countless issues. Problems like their crack head management and employees blocking the sidewalks and entrance while smoking, garbage blowing all over the property, a retention pond on the property that's typically full of floating garbage and a few shopping carts, isles jammed with product not put away, empty shelves, and management standing around like retarded cows while 15-20 customers stand and wait for one lone cashier to check them out. I seriously believe that Dollar General is nothing but a blight inflicted upon poor and rural America. I don't think they could run a more F-ed up operation if they tried.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jorjor on December 17, 2015, 06:04:42 PM
Quote
One coworker just brought in a ham bone for another coworker to take home and make soup! And these are both ~28 year old guys.
(http://m.quickmeme.com/img/01/01e48907d3c6b96ce86502794307abec0cea29f0205a492fad96d2db426354cc.jpg)
http://youtu.be/Sr2PlqXw03Y

I prefer hot ham water, myself.

https://www.youtube.com/watch?v=BdmySY9Qiqo
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Rural on December 17, 2015, 07:55:31 PM
Please don't insult the dollar (or pound) stores. The Family Dollar, Dollar General, and Dollar Tree stores in my area are cleaner and have better service than Wal-Mart.

Wow, you must either have one incredibly nasty Walmart, or some real outliers in the dollar store category? We spend part of our winters in NW FL. in an area where the Dollar General store is only very slightly cleaner than a shit splattered cattle barn, and the clientele look like extras from the original Star Wars café scene. Our Dollar General store near our home in the Northeast is so F'ed up that I have had conversations with corporate about countless issues. Problems like their crack head management and employees blocking the sidewalks and entrance while smoking, garbage blowing all over the property, a retention pond on the property that's typically full of floating garbage and a few shopping carts, isles jammed with product not put away, empty shelves, and management standing around like retarded cows while 15-20 customers stand and wait for one lone cashier to check them out. I seriously believe that Dollar General is nothing but a blight inflicted upon poor and rural America. I don't think they could run a more F-ed up operation if they tried.


 You must have had a real dud. I've been in literally hundreds of Dollar General stores all over the southeast, as recently as earlier this week, and I've never seen anything like that. Generally,they're quite clean, though admittedly the clientele can be interesting.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: serpentstooth on December 17, 2015, 08:38:51 PM
you don't always get your first choice

I can understand if a place is full, but I think it's insane how competitive daycare has become. I read that in NYC, if applying for an "elite" place, it is advised that a couple should apply to at least 6 and write kiss-ass letters to their top choices.

It makes sense, especially in high density areas with expensive real estate. Daycares/preschools have to be full, or nearly full, to stay solvent and pay the teachers/carers. Establishments with a good reputations and reasonable cost (the sweet spot, whatever that is for the region) are going to have incredible wait lists.

American public schools are pretty unique that you can just sign your kid up and they start right away. In Germany, at least the town I'm in, it can take a while for a slot to open up if you don't plan ahead (even for elementary age kids). I think it's easier for older kids because the teacher-student ratios are more flexible. Still, many professional parents opt for private school to avoid these hassles.

The Mennonite run daycare I looked at in NYC had a waiting list for infants of a year and a half. You had to get on the waitlist before conception. The other place I looked at had a 6 month minimum wait. Most people I know opted for sharing a nanny, which is similar in cost and much more flexible.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on December 21, 2015, 11:07:04 AM
I mentioned to my salesmen that I was thinking of getting a new phone as mine is a few years old and has some issues. Nothing major, but as 80% of its usage is for business, I don't mind spending the money for a new phone. My salesmen pointed out that his phone is 6 years old. I had to smile at that.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on December 21, 2015, 11:16:27 AM
Several people at work talk about being on "the Dave Ramsey Plan."
I guess it's a good thing that they are budget conscious, but I still feel like their lives are focused around consumerist spending instead of happiness.
One step at a time I suppose.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jda1984 on December 22, 2015, 07:44:50 AM
I mentioned to my salesmen that I was thinking of getting a new phone as mine is a few years old and has some issues. Nothing major, but as 80% of its usage is for business, I don't mind spending the money for a new phone. My salesmen pointed out that his phone is 6 years old. I had to smile at that.

One of my coworkers had the same phone for 8-9 years up until about 3 years ago.  He was hoping to make it to a decade on the same device, but after he missed an email that asked to reschedule a sales call (he was the salesperson) he changed his mind.  Similar to your situation, I have a nice phone because it makes work travel a lot more productive.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dude on December 22, 2015, 08:08:40 AM

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.


Sorry for the ambiguity. I meant a budget airline. I am not from N. America and I have no idea who Delta or Spirit Air is.




Delta is a major US airline, and IMHO it is the nicest--that being said, the prices really aren't any different than the other major airlines. For that matter, the flights are really about the same as well--the "other major airlines" in this scenario being United and American.

Spirit Airlines is a budget airline. Actually, that is not fair to airlines. Spirit Airlines is the Dollar Store of the skies. Or maybe the portable-toilet-of the skies. I will never fly Spirit Air again, and it has even scared me into staying away from the other budget airlines. Just not worth it.

HAHAHAHAHA!!!  A friend recently flew Spirit and had the same opinion.  It was apparently a HORRIBLE experience!  Sometimes in life, you do get what you pay for!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on December 22, 2015, 09:39:19 AM
. Most people I know opted for sharing a nanny, which is similar in cost and much more flexible.

I wish I knew where to look/go to find quality nannies. I think at this point the wife and I would rather pay a little extra for good care over the poorly run daycares in our area.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Ceridwen on December 22, 2015, 10:06:26 AM
Had some good chats with a colleague while we were travelling together.  30ish year old woman.  Some highlights:

- Secretly planning on taking a sabbatical this summer to travel across Eastern Europe with her boyfriend.  One last "hurrah" before they start trying for kids.  Her brother is going to oversee the rental of their apartment as an Airbnb.  They've been saving for years to pull this off.

- Planning on staying in said (downtown) apartment when they have kids for as long as possible.  She has nightmare stories about friends with kids who commute horrible distances and wants no part of it.

- 99% of her Christmas gifts will be homemade, and they sound lovely (especially the chutneys!).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on December 22, 2015, 10:30:27 AM
I mentioned to my salesmen that I was thinking of getting a new phone as mine is a few years old and has some issues. Nothing major, but as 80% of its usage is for business, I don't mind spending the money for a new phone. My salesmen pointed out that his phone is 6 years old. I had to smile at that.

One of my coworkers had the same phone for 8-9 years up until about 3 years ago.  He was hoping to make it to a decade on the same device, but after he missed an email that asked to reschedule a sales call (he was the salesperson) he changed his mind.  Similar to your situation, I have a nice phone because it makes work travel a lot more productive.

Any recommendations? I'm an Android fan, though may consider an Iphone because Facetime is becoming a valuable tool for my salesmen. I am going to start researching phones, I currently have a Nexus 5 that's about 2 years old.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on December 22, 2015, 01:19:02 PM
Any recommendations? I'm an Android fan, though may consider an Iphone because Facetime is becoming a valuable tool for my salesmen. I am going to start researching phones, I currently have a Nexus 5 that's about 2 years old.
Google Hangouts does the same thing as facetime.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on December 22, 2015, 01:25:02 PM
Any recommendations? I'm an Android fan, though may consider an Iphone because Facetime is becoming a valuable tool for my salesmen. I am going to start researching phones, I currently have a Nexus 5 that's about 2 years old.
Google Hangouts does the same thing as facetime.

Yes, but most people refuse to use them.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on December 22, 2015, 01:49:06 PM
Any recommendations? I'm an Android fan, though may consider an Iphone because Facetime is becoming a valuable tool for my salesmen. I am going to start researching phones, I currently have a Nexus 5 that's about 2 years old.
Google Hangouts does the same thing as facetime.

Yes, but most people refuse to use them.
I have had issues with google hangouts not working or sending texts sometimes, so I made my husband restore the prior texting app on my google phone
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shanghaiMMM on January 06, 2016, 02:41:05 AM
I have one!

I work in a school in China and everyone has two year contracts. Most people stay for two or for years then move on. When I found out that one guy was leaving, I asked what his plans were. The usual answers are go home or go to another foreign country to teach. His answer? Retire! Fuck yeah!

He's 39 and has two houses back home, will live in one and live off the rental of the other plus his investments. Maybe pick up some part time cushty work if he feels like it.

I was super excited, I've read all about early retirees but never actually met one, and most people at my work are clueless with money, great to know there's another secret saver around.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: steviesterno on January 06, 2016, 05:29:21 AM
I had 2 students who have been asking me about financial stuff come up and show me how they are saving to start a Vanguard account! one showed me an app that projected rates of return and compound over years. when I put in more realistic numbers (she was at 1% a year) you could see her light up.

they are so excited about it they may start a school Investment Club to get others involved. that's pretty exciting!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on January 06, 2016, 06:16:53 AM
I overheard a group of CWs discussing the recent holiday. Two of them have kids, two don't. The two that have kids were talking about how expensive the holiday was and how long it will take them to pay it off. The ones without kids chimed in with how their families did maybe one small gift per person and looking back as adults how they wished their parents hadn't spent so much money on them as kids.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on January 07, 2016, 09:13:22 AM

This is slightly ambiguous. Are they talking about First Class seats vs. Economy seats? Or are they talking about Delta vs. Spirit Air? Because I have saved $150 on a flight before by flying Spirit. I will not be doing that again.


Sorry for the ambiguity. I meant a budget airline. I am not from N. America and I have no idea who Delta or Spirit Air is.




Delta is a major US airline, and IMHO it is the nicest--that being said, the prices really aren't any different than the other major airlines. For that matter, the flights are really about the same as well--the "other major airlines" in this scenario being United and American.

Spirit Airlines is a budget airline. Actually, that is not fair to airlines. Spirit Airlines is the Dollar Store of the skies. Or maybe the portable-toilet-of the skies. I will never fly Spirit Air again, and it has even scared me into staying away from the other budget airlines. Just not worth it.

HAHAHAHAHA!!!  A friend recently flew Spirit and had the same opinion.  It was apparently a HORRIBLE experience!  Sometimes in life, you do get what you pay for!

Spirit is horrible.  I am a normal-large sized man (6'1", 230lbs), with what appears to be a normal length femur, and I could not fit in the seat.  The distance between my seat and the seat in front of me was not long enough to accommodate my leg.  I had to spent the 2.5 hour flight (twice) with my knee uncomfortably jammed against the seat and partially sticking into the aisle.  Excess leg room is a luxury, but it should be large enough to actually accommodate my leg imo.  I will never fly spirit again.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: StockBeard on January 07, 2016, 07:27:02 PM
Spirit is horrible.  I am a normal-large sized man (6'1", 230lbs), with what appears to be a normal length femur, and I could not fit in the seat.
This sucks, but keep in mind that "comfort in economy seats on planes" is probably the only thing in life that short people have over you.
 
For everything else, it's better for you to be tall. Here, you can probably even afford 1st class seats with all that additional money you make compared to me ;) : http://www.theatlantic.com/business/archive/2015/05/the-financial-perks-of-being-tall/393518/

(just kidding though, it sucks especially if this was a long flight)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: infogoon on January 08, 2016, 11:59:28 AM
This sucks, but keep in mind that "comfort in economy seats on planes" is probably the only thing in life that short people have over you.
 
For everything else, it's better for you to be tall.

You've clearly never needed to purchase trousers with a 38" inseam.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on January 08, 2016, 01:57:18 PM
This sucks, but keep in mind that "comfort in economy seats on planes" is probably the only thing in life that short people have over you.
 
For everything else, it's better for you to be tall.

You've clearly never needed to purchase trousers with a 38" inseam.
ha ha ha!

My college boyfriend wore a 34W-38Inseam.  They were hard to find.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on January 08, 2016, 07:29:19 PM
36W x 36L isn't too bad. 38L would be a pain. But the worst for me was 28W x 34L. I just wore shorts for a couple of years.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on January 08, 2016, 09:41:37 PM
But the worst for me was 28W x 34L. I just wore shorts for a couple of years.
Couldn't you just eat more chocolate ?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on January 08, 2016, 10:39:15 PM
5,000 calories a day was just enough to keep me steady. I could eat all the chocolate I wanted, and I still didn't gain weight!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on January 09, 2016, 03:21:08 AM
5,000 calories a day was just enough to keep me steady. I could eat all the chocolate I wanted, and I still didn't gain weight!
I assume you are now in a federal witness protection program,  hiding from the nation's women?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Prairie Gal on January 10, 2016, 11:29:19 AM
Co-worker (used to be the boss, but got bought out by two younger guys) says to me one day "It's not how much you make, it's how much you spend." Oh hell yah! I told him how very few people actually get that. He still carries an old flip phone and doesn't know how to text. My kind of guy.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Gondolin on January 16, 2016, 07:38:11 PM
Went to a work sponsored 401K seminar today held by our 401K admin company (Fidelity). Really encouraging presentation - good advice on asset allocation and long term stock holding. They even had budget worksheets where the recommended savings rate was 20% of income!

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on January 19, 2016, 11:16:50 AM
I just quit my job in order to do something else.

My previous manager (bosses boss) in our conversation basically said "good for you, it takes courage to do that" and had an incredibly insightful understanding into why it's important to not become bored/complacent with your life, even if you have great job security.

Then sent me this video (https://www.youtube.com/watch?v=zUTL4Op56CM) about a guy who quit his job and bicycled 7000 miles, because he realized how short life is and how wasting it being bored and "checked out" is super interested in avoiding that.

The previous manager more or less paraphrased that in explaining why he thought it was the right thing for me to do (to leave his team). I thought this was mind blowingly insightful and understanding. Makes me (almost) wish I had stuck around ;)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on January 20, 2016, 10:00:48 AM
I just quit my job in order to do something else.

My previous manager (bosses boss) in our conversation basically said "good for you, it takes courage to do that" and had an incredibly insightful understanding into why it's important to not become bored/complacent with your life, even if you have great job security.

Then sent me this video (https://www.youtube.com/watch?v=zUTL4Op56CM) about a guy who quit his job and bicycled 7000 miles, because he realized how short life is and how wasting it being bored and "checked out" is super interested in avoiding that.

The previous manager more or less paraphrased that in explaining why he thought it was the right thing for me to do (to leave his team). I thought this was mind blowingly insightful and understanding. Makes me (almost) wish I had stuck around ;)

Wow, awesome video.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RWD on January 26, 2016, 08:56:15 AM
I overheard someone talking about a 6-month emergency fund during our open enrollment meeting today.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: DeepEllumStache on January 26, 2016, 01:24:51 PM
Ran into a random lady on the elevator whose coworker was telling her about his $100K car he just bought and $2300 driving course. Her mind was blown that someone would spend that much money on a car that pricy.

"I just want a car that gets me from point A to B."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Bicycle_B on January 26, 2016, 06:57:28 PM
I have a co-worker whose father made her husband read "The Wealthy Barber" after he proposed to her. Father wanted to make sure the future husband had some sense when it came to money. They are within a few years of retirement now...

That being said, I had some trouble coming up with a good one for this thread. I have a few good stories about anti-mustachianisms...

awesome!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FausseBourgeoise on January 26, 2016, 08:56:37 PM
Coworker: I'm gonna go get my sandwiches from the fridge. I'm not paying for that expensive crap downstairs anymore. I'm tired of it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Zaga on January 30, 2016, 05:50:24 AM
I just started a new job, and most people there pack lunches, which is really nice!

Also, I mentioned to a young kid (22) that I'm a bit obsessed with personal finance, getting out of debt, investing, etc., and that if you get me started on those subjects I can go on and on.  Well he thought that was cool and plans to pick my brain!  Good for him being so young!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on February 04, 2016, 08:21:18 AM
Not work-related, but the husband of a friend of mine who I thought was a little slow the first dozen times I met him posted last night that he finished reading "The Millionaire Next Door," and it has opened his eyes towards finances. I'm glad to hear this.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JetBlast on February 11, 2016, 08:56:47 PM
The first officer I'm flying with is nearing his one year anniversary with our company, which is when employees begin to receive 401k matching, so I mentioned he should make sure he has it set up so he doesn't miss out on free money. He said he's already contributing 20%. Whoa! Never heard that from a first year first officer.

He has also mentioned that he doesn't really have a permanent home, but is instead couch surfing with various friends and relatives, and hopes to do it for another year to get his student loans paid off.
That's some serious badassity considering first year pay is typically low $30k range and flying lessons aren't cheap.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on February 12, 2016, 09:39:43 AM
Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

Its always hit or miss at HD and Lowes. Same at the auto parts stores too. A portion of the clerks know something. I always hope to get one of them.

We used to have an old Mom 'n Pop auto parts store. Those guys had been selling auto parts for 30 years+. You needed a fuel pump for your '62 Studebaker? He knew it on sight and might even have one in stock. ;) Unfortunately cheap won out over good and they went out of business and the discount stores took over. Those guys scattered to the winds.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RelaxedGal on February 12, 2016, 01:10:57 PM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

Based on this conversation and a few others, along with her husband's 15 year old car, I'm pretty sure her household has mine beat on the frugality side of things.  She and her husband can retire in their early 50s, though I can't tell if they will or if they'll keep at it just because they enjoy working.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: PMG on February 17, 2016, 04:33:53 PM
Campus story here. My lab partner is a college senior, early 20s. I asked if he knew what he wanted to do. "Yes. Aspire to live as simply as possible." 

Ah!  No wonder we get along.  Lead to great conversation about the real world outside academia. Breath of fresh air.

Later I said I was hoping to grocery shop on my day off and he talked about knowing he'd be really busy for a few weeks so he stocked up and is living off PBJ... But he splurged and got the healthy kinds.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on February 17, 2016, 05:26:14 PM
Coworker told me today that she's finally glad to have a job that she earns enough to pay all her bills.

She makes $60,000 per year.

Holy sweet jesus I live on a fourth of that.

This is on the wrong thread.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: solon on February 17, 2016, 06:43:46 PM
Campus story here. My lab partner is a college senior, early 20s. I asked if he knew what he wanted to do. "Yes. Aspire to live as simply as possible." 

Ah!  No wonder we get along.  Lead to great conversation about the real world outside academia. Breath of fresh air.

Later I said I was hoping to grocery shop on my day off and he talked about knowing he'd be really busy for a few weeks so he stocked up and is living off PBJ... But he splurged and got the healthy kinds.

Marry him now.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on February 17, 2016, 09:24:36 PM
Campus story here. My lab partner is a college senior, early 20s. I asked if he knew what he wanted to do. "Yes. Aspire to live as simply as possible." 

Ah!  No wonder we get along.  Lead to great conversation about the real world outside academia. Breath of fresh air.

Later I said I was hoping to grocery shop on my day off and he talked about knowing he'd be really busy for a few weeks so he stocked up and is living off PBJ... But he splurged and got the healthy kinds.

Marry him now.

Invite him over so you can grind his nut butter
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on February 18, 2016, 06:05:54 AM
Campus story here. My lab partner is a college senior, early 20s. I asked if he knew what he wanted to do. "Yes. Aspire to live as simply as possible." 

Ah!  No wonder we get along.  Lead to great conversation about the real world outside academia. Breath of fresh air.

Later I said I was hoping to grocery shop on my day off and he talked about knowing he'd be really busy for a few weeks so he stocked up and is living off PBJ... But he splurged and got the healthy kinds.

Marry him now.

Invite him over so you can grind his nut butter

Invite yourself over to his place, fuck him, and when he's asleep, steal his fancy peanut butter and run away.
Didnt you sign an NDA for the second part of The Ex??
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on February 18, 2016, 06:52:36 AM
One of our admins was saying "I know this is crazy, but I just paid cash for the car. It's so nice to not have a car payment."  I told her I had paid cash for my car too, and she said she didn't know anyone else who had done that.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on February 18, 2016, 12:11:27 PM
One of our admins was saying "I know this is crazy, but I just paid cash for the car. It's so nice to not have a car payment."  I told her I had paid cash for my car too, and she said she didn't know anyone else who had done that.

At my last job, my boss kept mocking my car (a 2011 honda fit that runs perfectly, is great on gas, and fulfills all our needs), and saying that everyone else had a nicer car than I did. I just said 'I have no car payments. Do you know anyone else in this company with a nicer car who can say that?' He shut up. (He was commuting through 1.5 hours of rush-hour traffic in an SUV, and I believe he recently declared bankruptcy, so... yeah.)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: serpentstooth on February 18, 2016, 12:19:33 PM
Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

Its always hit or miss at HD and Lowes. Same at the auto parts stores too. A portion of the clerks know something. I always hope to get one of them.

We used to have an old Mom 'n Pop auto parts store. Those guys had been selling auto parts for 30 years+. You needed a fuel pump for your '62 Studebaker? He knew it on sight and might even have one in stock. ;) Unfortunately cheap won out over good and they went out of business and the discount stores took over. Those guys scattered to the winds.

I went to Home Depot and asked where the lye was. Actual response from clerk, "You want to tell lies?" Finally got someone to take me to the right part of the plumbing department...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: PMG on February 18, 2016, 02:12:53 PM
Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

Its always hit or miss at HD and Lowes. Same at the auto parts stores too. A portion of the clerks know something. I always hope to get one of them.

We used to have an old Mom 'n Pop auto parts store. Those guys had been selling auto parts for 30 years+. You needed a fuel pump for your '62 Studebaker? He knew it on sight and might even have one in stock. ;) Unfortunately cheap won out over good and they went out of business and the discount stores took over. Those guys scattered to the winds.

I went to Home Depot and asked where the lye was. Actual response from clerk, "You want to tell lies?" Finally got someone to take me to the right part of the plumbing department...

This reminds me of searching for barley in both the grocery stores in my old town. I had to explain that it was a dried grain, looked similar to rice. It might be in a box, kind of like pasta. Or a bag like rice. "What do you want it for? Are you making beer?"  Uh. No. They didn't carry it. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on February 18, 2016, 02:48:29 PM
Went to Home depot first and they told me to get a plumber in!!! I think I just got lucky in Lowes..

Its always hit or miss at HD and Lowes. Same at the auto parts stores too. A portion of the clerks know something. I always hope to get one of them.

We used to have an old Mom 'n Pop auto parts store. Those guys had been selling auto parts for 30 years+. You needed a fuel pump for your '62 Studebaker? He knew it on sight and might even have one in stock. ;) Unfortunately cheap won out over good and they went out of business and the discount stores took over. Those guys scattered to the winds.

I went to Home Depot and asked where the lye was. Actual response from clerk, "You want to tell lies?" Finally got someone to take me to the right part of the plumbing department...

This reminds me of searching for barley in both the grocery stores in my old town. I had to explain that it was a dried grain, looked similar to rice. It might be in a box, kind of like pasta. Or a bag like rice. "What do you want it for? Are you making beer?"  Uh. No. They didn't carry it.

I always thought beef barley soup was pretty common
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on February 18, 2016, 08:08:03 PM
I have no idea what one does with barely. lol
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on February 19, 2016, 08:56:26 AM
I have no idea what one does with barely. lol

Cook it (erm... like rice, but longer - it's got more texture) and use it in a grain salad (add dried cranberries, a bit of feta, parsley, whatever tasty-looking crunchy veg you've got lying around) and add a vinaigrette (I like lemon, mustard, oil, but really, any vinaigrette will work).

Toss a handful or two of dried barley into a pot of soup (at least 30 minutes before you think it should be done) to add bulk and texture.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on February 19, 2016, 09:23:17 AM
I have no idea what one does with barely. lol
I have only the very slimmest, meager idea, almost no idea at all in fact.

Unless it's what you use to brew American beer ?

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: La Bibliotecaria Feroz on February 19, 2016, 09:59:16 PM
I have no idea what one does with barely. lol
I have only the very slimmest, meager idea, almost no idea at all in fact.

Unless it's what you use to brew American beer ?

You dump it in stew. It's not really a complex procedure :-).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: AllieVaulter on February 19, 2016, 11:39:38 PM
I have no idea what one does with barely. lol
I have only the very slimmest, meager idea, almost no idea at all in fact.

Unless it's what you use to brew American beer ?

It's OK nobodyspecial.  I thought your joke was funny.  ;)  Very astute of you to pick up on the typo.  I didn't notice it until you pointed it out. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on February 20, 2016, 06:13:04 AM
Started a recent job.

Of my small team of 3, two of us are very Mustachian and the third has referenced articles (presumably sent to him by the third). The third also bikes to work. I might have sent him MMM articles a few years ago... :-)

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Elle 8 on February 20, 2016, 11:17:15 AM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

I'm pretty sure you can increase it in the calendar year you turn 50 and not have to wait for your birthday; at least that's how it is in my company.  You should have her check with the benefits department or HR.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on February 20, 2016, 11:29:39 AM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

I'm pretty sure you can increase it in the calendar year you turn 50 and not have to wait for your birthday; at least that's how it is in my company.  You should have her check with the benefits department or HR.

I believe that's true.  But even if not, why wouldn't she increase contributions to hit her $18k (or so she thought) max by her bday, then finish out the extra contributions after her bday?  Either way is doesn't make sense to me to keep on pace to hit $18k when you believe that your year end max is going to be $24k.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on February 22, 2016, 08:04:50 AM
I have no idea what one does with barely. lol
I have only the very slimmest, meager idea, almost no idea at all in fact.

Unless it's what you use to brew American beer ?

It's OK nobodyspecial.  I thought your joke was funny.  ;)  Very astute of you to pick up on the typo.  I didn't notice it until you pointed it out.


lololol - that's pretty funny. I did not catch the typo either.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on February 22, 2016, 08:19:12 AM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

I'm pretty sure you can increase it in the calendar year you turn 50 and not have to wait for your birthday; at least that's how it is in my company.  You should have her check with the benefits department or HR.

I believe that's true.  But even if not, why wouldn't she increase contributions to hit her $18k (or so she thought) max by her bday, then finish out the extra contributions after her bday?  Either way is doesn't make sense to me to keep on pace to hit $18k when you believe that your year end max is going to be $24k.

You're likely splitting hairs with someone like this.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dicey on February 22, 2016, 08:54:30 AM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

I'm pretty sure you can increase it in the calendar year you turn 50 and not have to wait for your birthday; at least that's how it is in my company.  You should have her check with the benefits department or HR.

I believe that's true.  But even if not, why wouldn't she increase contributions to hit her $18k (or so she thought) max by her bday, then finish out the extra contributions after her bday?  Either way is doesn't make sense to me to keep on pace to hit $18k when you believe that your year end max is going to be $24k.

You're likely splitting hairs with someone like this.
You might also be letting the perfect be the enemy of the good. She's maxing her account, for Pete's sake! If you care enough to post here, why don't you call HR yourself? If the answer is yes, both of you will benefit from that knowledge.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: frugalnacho on February 22, 2016, 09:15:01 AM
I was chatting with a coworker about the 401K.  I asked if she was going to increase her contribution and she said no, she already maxes it.  She is, however, very excited that she can increase her contribution when she turns 50 later this year and bummed that she has to wait until her birthday.

I'm pretty sure you can increase it in the calendar year you turn 50 and not have to wait for your birthday; at least that's how it is in my company.  You should have her check with the benefits department or HR.

I believe that's true.  But even if not, why wouldn't she increase contributions to hit her $18k (or so she thought) max by her bday, then finish out the extra contributions after her bday?  Either way is doesn't make sense to me to keep on pace to hit $18k when you believe that your year end max is going to be $24k.

You're likely splitting hairs with someone like this.
You might also be letting the perfect be the enemy of the good. She's maxing her account, for Pete's sake! If you care enough to post here, why don't you call HR yourself? If the answer is yes, both of you will benefit from that knowledge.

But she's not actually maxing out her account.  No need to call HR, you can check with the IRS website.  Even if you don't believe that though, there's still no reason to actually wait for your bday to adjust your contributions higher.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SpeedReader on March 02, 2016, 09:32:56 PM
One of my younger co-workers mentioned wanting to find a financial planner.  I referred her to the fee-only guy who first showed me the MMM website.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Cressida on March 03, 2016, 12:22:13 AM
We just hired a new CFO. I overheard my boss gossiping with the Treasury director about how she brings her own lunch. They were impressed, as am I.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on March 03, 2016, 06:16:54 AM
One of my co-workers is reading Extreme Early Retirement...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: JordanOfGilead on March 03, 2016, 10:15:30 AM
One of my co-workers is reading Extreme Early Retirement...
Niceeeee
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on March 03, 2016, 11:16:42 AM
Just started a new job, and while we go for afternoon walks when someone wants to grab a smoothie (like, 5 of us go and one person gets a smoothie, just to stretch our legs), my project manager mentioned the other day in Starbucks that she calculated how much she's saving not going there anymore and she's so glad she stopped. I pointed out that my lunch is me copying Starbuck's fruit & cheese box, and she said she noticed my block of cheese in the fridge. Turns out she's trying to minimize food spending and stocks up when she visits the relatives' farm.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on March 03, 2016, 01:19:17 PM
One of my co-workers is reading Extreme Early Retirement...
Niceeeee

(http://i.imgur.com/XJyemeI.jpg)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Zaga on March 03, 2016, 06:01:23 PM
I walked into a conversation today where 3 people aged 26-45 were talking a 22 year out of buying a house with some buddy's of his.  Gotta love it when people are giving good advice to the younger ones!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on March 09, 2016, 09:52:27 AM
Today I heard my coworkers talking about the 401k. I just started and haven't found out the details yet, so my ears perked up.

CW1: but what if it goes down?
CW2: buy more VTI!

CW2 was saying it doesn't super matter if you have a risky allocation right now, since we're all young and will be rolling our 401ks over to something else in a few years, next time we change jobs.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Ralph2 on March 14, 2016, 05:02:30 AM
I overheard my co worker cancelling her cable subscription :) I also saw a guy put his 10yr old Nokia on the table in a meeting today (impressive that he both had the phone and didn't try to hide it).

Nothing wrong with a 3315, hard to get parts for today if you break it but. I just had to upgrade to a 301, damn thing has a camera in it.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Joshua.Snider on March 18, 2016, 06:54:20 PM
A couple days ago I told a coworker I was going to increase my 401k contribution and they said they were already maxing theirs out.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HappierAtHome on March 19, 2016, 03:33:59 AM
A friend who is technically also a coworker came to a MMM Meetup today!! That counts, right?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrDelane on March 19, 2016, 07:11:02 PM
We have a relatively new hire at work, she is fresh out of college (and brilliant, in my opinion).
I had to hop on her computer while she was at lunch, and was happy to see her browser was open to a 401K enrollment page.

I had made a comment a week earlier that I'd wished I had a job that offered a 401K when I was her age.
Hopefully she went through with it and set it up.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Astatine on March 19, 2016, 09:08:20 PM
Posting to follow :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on March 19, 2016, 09:46:12 PM
Posting to follow :)
You can just press the notify button on the lower right ( or the upper right if your are down under ;)

ps. Sorry, thought it did the same as the "new replies"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Astatine on March 19, 2016, 09:55:18 PM
Posting to follow :)
You can just press the notify button on the lower right ( or the upper right if your are down under ;)

Notify = email notifications only. Which I find frigging annoying and not very useful. Posting in a thread means it shows up in my Unread Replies list.

The bolded did make me snort though.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SwordGuy on March 19, 2016, 10:07:37 PM
Stopped by an after-work social and one of my co-workers was talking about a new car they had bought - around $38,000 worth of car.

I was sitting next to a new employee, a young lady, and I could tell she wasn't impressed.   Got to talking to her and she's got a good head on her shoulders.   She's already saving money and trying to ramp up her savings big time.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Ramblin' Ma'am on March 23, 2016, 01:47:01 PM
Found out today that my 24-year-old coworker is saving 15% in her 401k!

I have coworkers in their 40s and 50s who don't save that much.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alternatepriorities on March 23, 2016, 03:21:22 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Seppia on March 23, 2016, 04:45:11 PM
This is awesome, congrats
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Threshkin on March 23, 2016, 05:05:51 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!

This is great!  One of the biggest failings of our school systems is that they do not teach practical, applied math like this.  Make math something real and useful, not just abstract concepts.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alternatepriorities on March 23, 2016, 06:43:52 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!

This is great!  One of the biggest failings of our school systems is that they do not teach practical, applied math like this.  Make math something real and useful, not just abstract concepts.

Yeah, I've always liked math. I took 5 years of it in 4 years of high school including calculus and consumer math and it has definitely made my life better. None of those or any other class I took suggested the approach of "buying what makes you happier" rather than what "how much can you possibly spend" though. Seeing it on a kids school poster made my day.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on March 24, 2016, 01:15:51 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!

This is great!  One of the biggest failings of our school systems is that they do not teach practical, applied math like this.  Make math something real and useful, not just abstract concepts.

Yeah, I've always liked math. I took 5 years of it in 4 years of high school including calculus and consumer math and it has definitely made my life better. None of those or any other class I took suggested the approach of "buying what makes you happier" rather than what "how much can you possibly spend" though. Seeing it on a kids school poster made my day.
You are a reminding me of a class in high school that talked about consumer saving.  The take-away for me was this: it's not what you SAVE, it's what you SPEND.  It doesn't MATTER if you save 50%.  If you spend $50 on something, you just spent $50. It's better to spend LESS.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on March 24, 2016, 02:03:57 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!

This is great!  One of the biggest failings of our school systems is that they do not teach practical, applied math like this.  Make math something real and useful, not just abstract concepts.

I often wanted to re-name math class to "money and power" class. I think it would boost attendance.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alternatepriorities on March 24, 2016, 02:28:51 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on March 24, 2016, 02:37:58 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on March 24, 2016, 03:21:55 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.

That sounds amazing, but I think foreign languages is undersold here: it's really "Espionage and swearing".
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on March 24, 2016, 03:29:11 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.
I feel like you could get a chemistry / food thing in there too.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: PMG on March 24, 2016, 03:32:35 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.
I feel like you could get a chemistry / food thing in there too.

fine arts (especially upper level) = Narcissism and Nudity
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on March 24, 2016, 04:20:07 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.
I feel like you could get a chemistry / food thing in there too.

fine arts (especially upper level) = Narcissism and Nudity

Bullshit and Legitimate Nudity?

(I speak as a career creative here...)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on March 24, 2016, 04:30:56 PM
I often wanted to re-name math class to "money and power" class. I think it would boost attendance.

That's a great idea.

English would become "Manipulation, Mind Control, and Stand Up Comedy". History would become "Sex and Violence", Physics would become "Ballistics", Biology would become "Living things and forensics", Chemistry would become "Explosions", Science would become "Adventure", any foreign language would become "Espionage", Phys Ed would be "Weaponry and martial arts", Civics would become "Global Domination", and the Fine Arts classes would stay as they are.

Everyone would want to come to my school. It would be a training ground for future superheros. But aside from adding a small amount of practical stuff and focusing the classes more on the new topic to make them less boring, the content wouldn't really change.
I feel like you could get a chemistry / food thing in there too.

fine arts (especially upper level) = Narcissism and Nudity

Bullshit and Legitimate Nudity?

(I speak as a career creative here...)

"Bullshit" is actually the title of a separate course formerly known as religious studies. It's because every religion out there thinks it's the right one, and the rest are bullshit. So if we're studying more than two religions, by definition it's going to be a majority-bullshit class.

The school would be called something awesome, like "TheGrimSqueaker's Academy of World Domination".

However, I refuse to separate geometry from algebra (in the Money and Power courses). It's an asinine way to try to teach math.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on March 25, 2016, 03:19:28 AM
I would prefer Religious Studies to be called something like "The Psychology of Hope".
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alternatepriorities on March 25, 2016, 02:56:17 PM
However, I refuse to separate geometry from algebra (in the Money and Power courses). It's an asinine way to try to teach math.

I feel that way about calculus and physics. Calculus made way more sense once I could see it applied in physics.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RetiredAt63 on March 25, 2016, 03:14:27 PM
And Stats made way more sense once I saw it applied to Biology.
However, I refuse to separate geometry from algebra (in the Money and Power courses). It's an asinine way to try to teach math.

I feel that way about calculus and physics. Calculus made way more sense once I could see it applied in physics.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Lindy on March 25, 2016, 05:42:44 PM
I finally have something for this thread! 
One of my co-workers recently came back from a trip to Las Vegas with some friends, and while she had a great time, she said that by the end her friends were annoying her.  When I asked why, she replied, "Because they can't budget and are horrible with their money!"  Turns out her friends gambled all their money away and on the last day there my co-worker had to borrow them money so they could make it through the rest of the trip.  Oh, and her friends took out a loan for this trip.  They took out a loan, just to gamble it all away.  Sad.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: FIRE me on March 25, 2016, 08:31:42 PM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on March 26, 2016, 07:53:26 AM
Man, I'm never going to hit the other one.

We had a "home buying seminar" thing which was basically propaganda from realtors/bankers.  My immediate team of three were listening but all of us just gave up and were laughing about how horrible the advice was. Since it was standard banker/realtor stuff.


Later last week another of my coworkers and I spent all of lunch talking about 529s vs normal investment accounts for kids. He's... 30? maybe 32? So presumably he knows what's up. Or at least cares.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on March 26, 2016, 11:06:40 AM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on March 26, 2016, 11:33:34 AM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?

Yeah, but that one has an urn in it. That's how you know it's art.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on March 26, 2016, 12:44:36 PM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?

Yeah, but that one has an urn in it. That's how you know it's art.
I hoped somebody would get it ;-)

The people at work have caught on to all the Python and HitchHikers in-jokes in my projects, so I;m having to get more obscure.
 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on March 26, 2016, 12:58:23 PM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?

Yeah, but that one has an urn in it. That's how you know it's art.
I hoped somebody would get it ;-)

The people at work have caught on to all the Python and HitchHikers in-jokes in my projects, so I;m having to get more obscure.
 

I only started Pratchett last year, even though I'm sure I would have loved them as a teen. I'm sure I get more of the jokes now than I would then, though. But I've had a pre-Easter lull and raided my husband's bookshelves and may have read three and a half Pratchetts in the last week...

If you're looking for obscure but rewarding private jokes to insert into conversation, may I suggest The Goodies? And now... A Walk in the Black Forest.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Primm on March 26, 2016, 06:07:29 PM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?

Yeah, but that one has an urn in it. That's how you know it's art.
I hoped somebody would get it ;-)

The people at work have caught on to all the Python and HitchHikers in-jokes in my projects, so I;m having to get more obscure.
 

I only started Pratchett last year, even though I'm sure I would have loved them as a teen. I'm sure I get more of the jokes now than I would then, though. But I've had a pre-Easter lull and raided my husband's bookshelves and may have read three and a half Pratchetts in the last week...

If you're looking for obscure but rewarding private jokes to insert into conversation, may I suggest The Goodies? And now... A Walk in the Black Forest.

*swoon* You are now officially my new Most Favourite Mustachian. Ecky THOOOMP!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: gimp on March 26, 2016, 11:59:34 PM
My coworkers and I spent today fixing our cars together. The three of us probably saved ~$800 in labor costs and had fun doing it. Does that count?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on March 28, 2016, 03:29:10 PM
I would prefer Religious Studies to be called something like "The Psychology of Hope".

Swap the "o" in Hope for a "y", and it will be an easier sell.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Travis on March 30, 2016, 10:47:30 AM
Two months ago one of my subordinates announced he was buying a new truck and a house.  After a couple weeks of all of us in the office opening his eyes to the hidden costs he wasn't considering he's still buying a house, but budgeting better for it and getting a used vehicle now.  He's also sat down with me a couple times to talk about the finer points of the TSP and Vanguard.  He's going to max his TSP this year and opening a Vanguard account to start buying VTSMX.  I didn't tell him which fund to buy, he came to me with that name and asked if what he's doing makes sense.  It's great to hear he's done the math and is taking his retirement planning more seriously.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Warlord1986 on April 01, 2016, 06:56:18 AM
I had a twenty minute conversation with a sign vendor who wants to put up a sign in the county. We ended up discussing crummy jobs and I mentioned how essential it was to have a financial cushion. She agreed and said that while she and her husband had been through lean times, she never sacrificed her dignity for money.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigbenreiss on April 03, 2016, 09:53:43 PM
My wife is a high school math and science teacher. Last year she was appalled to discover a lot of the kids had not idea how money and credit really work. She asked me to speak to a couple of classes that are mostly seniors about money management and financial independence and I did. The students were really receptive but even more exciting one of the other math teachers started talking to younger kids about managing money. Now there are several posters hanging in the halls listing good wealth building habits!

This is great!  One of the biggest failings of our school systems is that they do not teach practical, applied math like this.  Make math something real and useful, not just abstract concepts.

Currently writing the curriculum for a financial modeling class, for next year. I would love some input. I teach HS math. Designing it for Seniors. Here is the Google.doc link if people would like to give any input.

https://docs.google.com/document/d/1duEUYnocGgFdGUe_SA41oWBpDrSuXfa9sV6Lyi1dkPg/edit?usp=sharing

if I am not allowed to share the link let me know. I will remove it. I want to make this as extensive and useful as possible. Been pushing for this for the last 4 years. finally got the ok from district office.  It's only a rough outline so far.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zolotiyeruki on April 04, 2016, 07:46:55 AM

Currently writing the curriculum for a financial modeling class, for next year. I would love some input. I teach HS math. Designing it for Seniors. Here is the Google.doc link if people would like to give any input.

https://docs.google.com/document/d/1duEUYnocGgFdGUe_SA41oWBpDrSuXfa9sV6Lyi1dkPg/edit?usp=sharing

if I am not allowed to share the link let me know. I will remove it. I want to make this as extensive and useful as possible. Been pushing for this for the last 4 years. finally got the ok from district office.  It's only a rough outline so far.
That's great to hear that your district is implementing it.  I heard from my parents that my alma mater is thinking about adding a personal finance-type class to the HS requirements. 

That's quite a list of topics you've got in that doc!  There are a couple topics I didn't see on the list that might be worth adding:
1) Spending and lifestyle
2) Property taxes (that's a big one for us--our property taxes are nearly as much as our principal+interest!)
3) Retirement planning--"how much will I need?" the 4% rule, Social Security, pensions, etc
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SwordGuy on April 04, 2016, 10:37:15 AM
Currently writing the curriculum for a financial modeling class, for next year. I would love some input. I teach HS math. Designing it for Seniors. Here is the Google.doc link if people would like to give any input.

https://docs.google.com/document/d/1duEUYnocGgFdGUe_SA41oWBpDrSuXfa9sV6Lyi1dkPg/edit?usp=sharing


Lots of good material.

First - the order of the items is dead wrong.   Cover topics they can immediately see themselves having to know.  The paycheck  lessons and the car buying, for example. 

I would then add some stuff about people who have thought out of the box and accomplished things that others think are impossible (and therefore only whine about).   ARebelSpy, MMM, NoMoreHarvardDebt, etc.  Maybe some real people in your community if they present well.

Then, when you've got them with info that they know they can use and some real life examples to follow that show some exciting possibilities, then hit them with how to make it happen.





Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HairyUpperLip on April 04, 2016, 11:04:56 AM
A guy at work and I were talking about his family situation with me. The guy was telling me that he grew up poor in Egypt and one of his life dreams has been to own a BMW. He told me that he had saved up the cash to buy one, but decided to use the money elsewhere - then he pulled up his student loan account and showed me that he had recently made a $33,xxx payment and no longer owed them money.

He said he realized the $255 a month he was sending, they were only applying $4 to the principal.

Very proud of him for making the choice.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigbenreiss on April 04, 2016, 12:24:23 PM

Currently writing the curriculum for a financial modeling class, for next year. I would love some input. I teach HS math. Designing it for Seniors. Here is the Google.doc link if people would like to give any input.

https://docs.google.com/document/d/1duEUYnocGgFdGUe_SA41oWBpDrSuXfa9sV6Lyi1dkPg/edit?usp=sharing

if I am not allowed to share the link let me know. I will remove it. I want to make this as extensive and useful as possible. Been pushing for this for the last 4 years. finally got the ok from district office.  It's only a rough outline so far.
That's great to hear that your district is implementing it.  I heard from my parents that my alma mater is thinking about adding a personal finance-type class to the HS requirements. 

That's quite a list of topics you've got in that doc!  There are a couple topics I didn't see on the list that might be worth adding:
1) Spending and lifestyle
          Some of the class is being designed to fit the math curriculum. It's taken so long to get the class somewhat due to having to get the district to accept that I can add higher level math and not simply be a "consumer math" class that is balancing a checkbook as a senior. YES it is an extremely useful skill but the math would not be high level enough on that for a senior 4th year math class.

2) Property taxes (that's a big one for us--our property taxes are nearly as much as our principal+interest!)
         Property taxes would fit in with the home buying/mortgage project. I was thinking of having them have a few options on houses and loan choices. They may have one in a low cost of living state and one very close by in a high. Houses in PA 20 minutes form my house have RE taxes about 3-4 times higher on similarly priced homes. Going so talk about all the costs involved in a home. HOA and Condo Fees are going to be discussed. My brothers condo fees in Austin were about $620 on a $300k condo, included trash, water, basic cable, but still a huge hit to the monthly cost. 
3) Retirement planning--"how much will I need?" the 4% rule, Social Security, pensions, etc
          I think the order will change and the stock information will be pushed later on and Credit will be first. With this I think the stock unit will include retirement planning and the true cost of everything. Going into management fee's and safe withdrawal rates. Also along with value of pensions, healthcare in retirement from a career.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigbenreiss on April 04, 2016, 12:33:52 PM
Currently writing the curriculum for a financial modeling class, for next year. I would love some input. I teach HS math. Designing it for Seniors. Here is the Google.doc link if people would like to give any input.

https://docs.google.com/document/d/1duEUYnocGgFdGUe_SA41oWBpDrSuXfa9sV6Lyi1dkPg/edit?usp=sharing


Lots of good material.

First - the order of the items is dead wrong.   Cover topics they can immediately see themselves having to know.  The paycheck  lessons and the car buying, for example. 
        I think you are right, I am thinking moving things around and the market will be later on with retirement savings. I want to grab them with Credit and the usefulness of good credit. I am trying to design an excel spreadsheet or find an app that would allow me to have a running "credit" score for them as students. They would design a "student score" and they would get negative marks for not performing the necessary work. Students with a high score would be eligible for EC or something on tests so that other students would see the benefits in their day to day. I want this to be an ongoing system the whole semester so I need to do it early. It also connects to car buying and everything else as a consumer.

I would then add some stuff about people who have thought out of the box and accomplished things that others think are impossible (and therefore only whine about).   ARebelSpy, MMM, NoMoreHarvardDebt, etc.  Maybe some real people in your community if they present well.

That's a good idea but again I need to find ways to keep this math related if I want to be able to keep it going and also help the students understand the math behind it. I spoke with a few friends who are entrepreneurs, bankers, car saleswomen, ect who would be interested in speaking with the class during those units. I personally have saved up and bought rental properties on a teachers salary that now makes more then teaching. So I have some experience myself and will be looking to bring in others.

Then, when you've got them with info that they know they can use and some real life examples to follow that show some exciting possibilities, then hit them with how to make it happen.

 The class being a 4th year course in math needs to have a solid basis in mathematics. I have been fighting so long since the district doesn't want a "consumer math class" which would only have basic math functions and nothing higher level. I am looking to work in the system and deliver the information while still maintaining a high level of rigor in the math.

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on April 04, 2016, 12:45:15 PM

Some of the class is being designed to fit the math curriculum. It's taken so long to get the class somewhat due to having to get the district to accept that I can add higher level math and not simply be a "consumer math" class that is balancing a checkbook as a senior. YES it is an extremely useful skill but the math would not be high level enough on that for a senior 4th year math class.
For those of us who took university-level calculus during junior year and no math at all senior year... could you explain what is regarded as "4th year senior-level math"? Because my brain was going "huh? But how could you even work calculus into a finance class? This doesn't make sense at all as senior math!" until I realized that there are some people who don't reach algebra until college (like my mom).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 01:06:01 PM

Some of the class is being designed to fit the math curriculum. It's taken so long to get the class somewhat due to having to get the district to accept that I can add higher level math and not simply be a "consumer math" class that is balancing a checkbook as a senior. YES it is an extremely useful skill but the math would not be high level enough on that for a senior 4th year math class.
For those of us who took university-level calculus during junior year and no math at all senior year... could you explain what is regarded as "4th year senior-level math"? Because my brain was going "huh? But how could you even work calculus into a finance class? This doesn't make sense at all as senior math!" until I realized that there are some people who don't reach algebra until college (like my mom).

Oh don't worry. You can use calculus in a finance class. http://www.amazon.com/Stochastic-Calculus-Finance-Binomial-Springer/dp/0387249680 (http://www.amazon.com/Stochastic-Calculus-Finance-Binomial-Springer/dp/0387249680). But this isn't your run of the mill first year college calculus class. For a pdf including some of the actual math of stochastic calculus check out http://www.columbia.edu/~mh2078/stochastic_calculus.pdf (http://www.columbia.edu/~mh2078/stochastic_calculus.pdf)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigbenreiss on April 04, 2016, 01:54:32 PM

Some of the class is being designed to fit the math curriculum. It's taken so long to get the class somewhat due to having to get the district to accept that I can add higher level math and not simply be a "consumer math" class that is balancing a checkbook as a senior. YES it is an extremely useful skill but the math would not be high level enough on that for a senior 4th year math class.
For those of us who took university-level calculus during junior year and no math at all senior year... could you explain what is regarded as "4th year senior-level math"? Because my brain was going "huh? But how could you even work calculus into a finance class? This doesn't make sense at all as senior math!" until I realized that there are some people who don't reach algebra until college (like my mom).

This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.

This class would not be moving into Calc. The class is more designed to give the students another option that they would be interested in. I am walking a tightrope of making it available and attainable for students of all abilities; while also pushing the students enough to be valuable as a math class beyond the Alg II level.

Hopefully that makes sense.

quick list of math involved would be:

Exponential functions (growth, depreciation)
Expected value and probability
Function operations, step functions, Compositions of functions, multi variable functions
linear programing
Modeling with linear, exponential, and other functions

much of the class will be logical thinking in finance using mathematics to back up your reasoning.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigbenreiss on April 04, 2016, 01:59:25 PM

Some of the class is being designed to fit the math curriculum. It's taken so long to get the class somewhat due to having to get the district to accept that I can add higher level math and not simply be a "consumer math" class that is balancing a checkbook as a senior. YES it is an extremely useful skill but the math would not be high level enough on that for a senior 4th year math class.
For those of us who took university-level calculus during junior year and no math at all senior year... could you explain what is regarded as "4th year senior-level math"? Because my brain was going "huh? But how could you even work calculus into a finance class? This doesn't make sense at all as senior math!" until I realized that there are some people who don't reach algebra until college (like my mom).

Oh don't worry. You can use calculus in a finance class. http://www.amazon.com/Stochastic-Calculus-Finance-Binomial-Springer/dp/0387249680 (http://www.amazon.com/Stochastic-Calculus-Finance-Binomial-Springer/dp/0387249680). But this isn't your run of the mill first year college calculus class. For a pdf including some of the actual math of stochastic calculus check out http://www.columbia.edu/~mh2078/stochastic_calculus.pdf (http://www.columbia.edu/~mh2078/stochastic_calculus.pdf)


The class is not directed so much for students who will be moving into calc in HS or college. Those students have a solid pathway into Honors Calc, AP Calc or AP stats.  This is more fitting into a non-stem pathway for seniors. It may not be the best way to deliver financial literacy but it's the best way I have right now so I'm using this option to fit it into the curriculum and course catalog.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on April 04, 2016, 01:59:28 PM
fine arts (especially upper level) = Narcissism and Nudity

How about "Mostly Useless, Pretentious and Forgettable Shit"?
Even Caravaggio's - three fat women and one small piece of gauze ?

Yeah, but that one has an urn in it. That's how you know it's art.
I hoped somebody would get it ;-)
I was f******* ROFling :D

If you dont know, there is a twitter account with pratchett quotes. https://twitter.com/DailyPratchett


Regarding the school, I would rename history as "wars, intrigues and heroes, with blood" and home economics with "poisons and deadly microbes at home"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on April 04, 2016, 02:07:00 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)


Quote
quick list of math involved would be:

Exponential functions (growth, depreciation)
Expected value and probability
Function operations, step functions, Compositions of functions, multi variable functions
linear programing
Modeling with linear, exponential, and other functions

much of the class will be logical thinking in finance using mathematics to back up your reasoning.
Thanks. Algebra I in 7th grade also means I was going "wait, but exponential growth and other stuff for finance are like...middle school math..."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 02:19:31 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on April 04, 2016, 02:52:08 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.
AP Calculus II was offered, but I don't have a friendly relationship with math, so as soon as I could get out of it, I did.

And then I changed majors from Japanese to Computer Science and thus went from "6 credits of math and/or science" (of which I had 4 from Calc I) to "9 credits of lab science plus Calc I & II." >_> So I took Calc II 3 years after Calc I and flailed mightily. And calc-based physics a year later, with more flailing.  (Note: high school calc & physics taught me I'd way rather have calc-based physics than algebra-based, but it would've helped if I remembered calc)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Apples on April 04, 2016, 02:55:02 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.

Yeah, my area (state?) does a lot of College in the High School classes instead of AP classes.  High school teachers teach college subjects, somewhat following the curriculum of any nearby school.  I took Calc and Stats with a great teacher.  If there had been a big enough student population for advanced math (I had 12 students in calc and 16 in stats, soooo) I think my teach would have loved teaching higher level maths.  But he spent most of his time teaching precalc and trig to juniors who were only there to fulfill their 3 years of math requirement.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on April 04, 2016, 03:05:12 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.

Yeah, my area (state?) does a lot of College in the High School classes instead of AP classes.  High school teachers teach college subjects, somewhat following the curriculum of any nearby school.  I took Calc and Stats with a great teacher.  If there had been a big enough student population for advanced math (I had 12 students in calc and 16 in stats, soooo) I think my teach would have loved teaching higher level maths.  But he spent most of his time teaching precalc and trig to juniors who were only there to fulfill their 3 years of math requirement.
Mine did both (and offered dual-enrollment at community college or vo-tech school). I couldn't make it into AP Calc I, but I could make it into Honors Calc I, which was college-in-hs. My college accepted transfer credits that were Cs but only AP 4&5 (B&A equivalents), so it was an easier class to get into, an easier class to take, and an easier system to get counted for credits. Sweet deal!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 03:19:57 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.
AP Calculus II was offered, but I don't have a friendly relationship with math, so as soon as I could get out of it, I did.

And then I changed majors from Japanese to Computer Science and thus went from "6 credits of math and/or science" (of which I had 4 from Calc I) to "9 credits of lab science plus Calc I & II." >_> So I took Calc II 3 years after Calc I and flailed mightily. And calc-based physics a year later, with more flailing.  (Note: high school calc & physics taught me I'd way rather have calc-based physics than algebra-based, but it would've helped if I remembered calc)

I believe you are mistaken on the AP part, as there's no AP math class beyond Calculus BC (which corresponds to a Calc I class in college). But that doesn't change the substance of your experience.

Haha do you enjoy CS now?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mtn on April 04, 2016, 03:31:07 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.
AP Calculus II was offered, but I don't have a friendly relationship with math, so as soon as I could get out of it, I did.

And then I changed majors from Japanese to Computer Science and thus went from "6 credits of math and/or science" (of which I had 4 from Calc I) to "9 credits of lab science plus Calc I & II." >_> So I took Calc II 3 years after Calc I and flailed mightily. And calc-based physics a year later, with more flailing.  (Note: high school calc & physics taught me I'd way rather have calc-based physics than algebra-based, but it would've helped if I remembered calc)

I believe you are mistaken on the AP part, as there's no AP math class beyond Calculus BC (which corresponds to a Calc I class in college). But that doesn't change the substance of your experience.

Haha do you enjoy CS now?

I graduated HS in 2008, so I may be mistaken...

Calc AB = Calc I
Calc BC = Calc II

I took AB in high school, and in college didn't cover anything in Calc II that was new to me until the last 3 weeks. And I was a Math major too.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 03:46:22 PM
This is more of a pathway for students not going into a STEM field. The district/state requires 4 credits in math. 1 of those must be taken during senior year. This class would be the equivalent of after Alg II or after Integrated III depending on when you went to school.  basically there are GLE's (grade level expectations) we have to meet to cover the common core for each grade.
Hey, I was aiming for a Japanese major when I was in high school :P It's just that if you take Algebra I in 7th grade and keep going one level up each year, you run out of things to take that aren't calculus! (I didn't want to take calculus. I just ran into that "you must take a math class your junior year" thing. I avoided math senior year by dual-enrolling in community college to get history and sociology out of the way before going to university.)

Depends on the high school. My senior year I took multivariable calculus and about  1/3 of a differential equations class (it was supposed to be one semester each, but our teacher took it slow). And yes, I said teacher. This wasn't taught at some community college. It was taught by a high school teacher.

But yes, my high school was definitely the exception, not the rule.
AP Calculus II was offered, but I don't have a friendly relationship with math, so as soon as I could get out of it, I did.

And then I changed majors from Japanese to Computer Science and thus went from "6 credits of math and/or science" (of which I had 4 from Calc I) to "9 credits of lab science plus Calc I & II." >_> So I took Calc II 3 years after Calc I and flailed mightily. And calc-based physics a year later, with more flailing.  (Note: high school calc & physics taught me I'd way rather have calc-based physics than algebra-based, but it would've helped if I remembered calc)

I believe you are mistaken on the AP part, as there's no AP math class beyond Calculus BC (which corresponds to a Calc I class in college). But that doesn't change the substance of your experience.

Haha do you enjoy CS now?

I graduated HS in 2008, so I may be mistaken...

Calc AB = Calc I
Calc BC = Calc II

I took AB in high school, and in college didn't cover anything in Calc II that was new to me until the last 3 weeks. And I was a Math major too.

So I will confess that I never used these numbers - Calc I, Calc II, etc. All my math classes were engineering math classes and weren't called Calc I, Calc II, etc. They were just called Calculus (which would correspond to Calc II), Multvariable Calculus, Differential Equations, and Linear Algebra (not that linear algebra would ever be called a calculus class).

So my mistake.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: maco on April 04, 2016, 04:09:41 PM

Haha do you enjoy CS now?
I got through one semester before my brain needed a break, so I took an algorithms class. (I took CS in high school for fun as well). I swapped majors sophomore year.

I dislike the industry enough to be on this board, but I like coding.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 04:21:26 PM

Haha do you enjoy CS now?
I got through one semester before my brain needed a break, so I took an algorithms class. (I took CS in high school for fun as well). I swapped majors sophomore year.

I dislike the industry enough to be on this board, but I like coding.

Nice.

I really like coding, but not when the end goal is the actual program or software (I do research and I write programs all the time to compute my research results). Which would probably mean that I wouldn't like the industry either (but I haven't tried it so I can't say for certain).


ETA: Back on topic, my friend who recently started working full time here said so I can contribute 6% to my 401a (it's actually mandatory) and while that's good for now (he's been low on cash for the past six months or so), I feel like that's a pretty low contribution rate for retirement (he can't change his contribution rate for the 401a).

And I told him oh don't worry, you can contribute $18k each to a 403b and a 457b. Which is probably more than you can afford. So don't worry, there's plenty of contribution space!

And I've looked at the available funds in the plans. There are some low cost Fidelity Spartan funds in there.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on April 04, 2016, 08:39:15 PM
So I will confess that I never used these numbers - Calc I, Calc II, etc. All my math classes were engineering math classes and weren't called Calc I, Calc II, etc.
Well in engineering you probably used that calculus with real numbers and infinitely small divisions. Roman numeral calculus with only integers, and no zero, is triciker
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: johnny847 on April 04, 2016, 10:54:06 PM
So I will confess that I never used these numbers - Calc I, Calc II, etc. All my math classes were engineering math classes and weren't called Calc I, Calc II, etc.
Well in engineering you probably used that calculus with real numbers and infinitely small divisions. Roman numeral calculus with only integers, and no zero, is triciker

Yeah but I also ended up integrating imaginary numbers in one of my engineering classes....
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Pooperman on April 05, 2016, 04:31:47 AM
So I will confess that I never used these numbers - Calc I, Calc II, etc. All my math classes were engineering math classes and weren't called Calc I, Calc II, etc.
Well in engineering you probably used that calculus with real numbers and infinitely small divisions. Roman numeral calculus with only integers, and no zero, is triciker

Yeah but I also ended up integrating imaginary numbers in one of my engineering classes....

Ahh, my nemesis. Complex variable calculus.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Well Respected Man on April 05, 2016, 08:16:26 AM
A colleague who is probably in her late 30's or early 40's just announced that her family is moving to a foreign country for a few years. Neither spouse will be working during this time. I congratulated her and wished her well.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Inaya on April 06, 2016, 07:55:36 AM
Near-retirement aged guy in the cube behind mine: "I find it's easier to be a cheapskate than to worry about age." Good man.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Warlord1986 on April 13, 2016, 07:02:45 AM
There's a coffee group at work. Rather than buy an individual coffee each, three of us split the costs of a container and we use a drip machine every morning. It's wonderful having coworkers who don't want to pay for Starbucks.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Giro on April 13, 2016, 08:09:42 AM
There's a coffee group at work. Rather than buy an individual coffee each, three of us split the costs of a container and we use a drip machine every morning. It's wonderful having coworkers who don't want to pay for Starbucks.

I'm jealous of this.  We have a coffee/water club at work.  It's insanely expensive.  I think it's $12 a month.  I can use the water fountain for free and it's actually closer than the jugs of water.  When did water fountains become so taboo?  If my husband and I both joined the club, we would be spending $24 for water we can get for free and at least tripling the expense of coffee we can make at home.  The coffee club doesn't allow outside coffee to be used in the machines and they vetoed my cheapo coffee maker and made me take it home.  I just bring a cup of coffee from home in a really nice cup that keeps it hot for hours.  I don't need that much coffee anyway.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Warlord1986 on April 13, 2016, 09:49:04 AM
Whaaaaaaaaaaaaat? We're not even really a group, we're just a bunch of people who need caffeine in the morning. It's not like you need to fill out an application or anything. And we get a container of the grocery store coffee that lasts for months. Our only problem is that some people like their coffee stronger than others.

Now, the water fountains are sketchy. Sometimes the water is brown and it always tastes bad. Work delivers water to us.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on April 13, 2016, 10:03:48 AM
There's a coffee group at work. Rather than buy an individual coffee each, three of us split the costs of a container and we use a drip machine every morning. It's wonderful having coworkers who don't want to pay for Starbucks.

I'm jealous of this.  We have a coffee/water club at work.  It's insanely expensive.  I think it's $12 a month.  I can use the water fountain for free and it's actually closer than the jugs of water.  When did water fountains become so taboo?  If my husband and I both joined the club, we would be spending $24 for water we can get for free and at least tripling the expense of coffee we can make at home.  The coffee club doesn't allow outside coffee to be used in the machines and they vetoed my cheapo coffee maker and made me take it home.  I just bring a cup of coffee from home in a really nice cup that keeps it hot for hours.  I don't need that much coffee anyway.
What do you mean they made you take it home?  I have my own fridge in my office, my coworker brings in her own blender.  If I wanted to have a coffee pot in my cube, I could totally do it.

The new CEO was complaining about the coffee, so the other building has a Keurig now and those damn pods.  At our bldg across the street, we voted to keep the plain old pot.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on April 13, 2016, 10:05:47 AM
There's a coffee group at work. Rather than buy an individual coffee each, three of us split the costs of a container and we use a drip machine every morning. It's wonderful having coworkers who don't want to pay for Starbucks.

I'm jealous of this.  We have a coffee/water club at work.  It's insanely expensive.  I think it's $12 a month.  I can use the water fountain for free and it's actually closer than the jugs of water.  When did water fountains become so taboo?  If my husband and I both joined the club, we would be spending $24 for water we can get for free and at least tripling the expense of coffee we can make at home.  The coffee club doesn't allow outside coffee to be used in the machines and they vetoed my cheapo coffee maker and made me take it home.  I just bring a cup of coffee from home in a really nice cup that keeps it hot for hours.  I don't need that much coffee anyway.

That's not a coffee club, that's a coffee union. If they actually have the power to control or "veto" what you do or don't bring to work, so as to force you to business with them, there's something very sick about your workplace.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on April 13, 2016, 10:08:00 AM
There's a coffee group at work. Rather than buy an individual coffee each, three of us split the costs of a container and we use a drip machine every morning. It's wonderful having coworkers who don't want to pay for Starbucks.

I'm jealous of this.  We have a coffee/water club at work.  It's insanely expensive.  I think it's $12 a month.  I can use the water fountain for free and it's actually closer than the jugs of water.  When did water fountains become so taboo?  If my husband and I both joined the club, we would be spending $24 for water we can get for free and at least tripling the expense of coffee we can make at home.  The coffee club doesn't allow outside coffee to be used in the machines and they vetoed my cheapo coffee maker and made me take it home.  I just bring a cup of coffee from home in a really nice cup that keeps it hot for hours.  I don't need that much coffee anyway.
What do you mean they made you take it home?  I have my own fridge in my office, my coworker brings in her own blender.  If I wanted to have a coffee pot in my cube, I could totally do it.

The new CEO was complaining about the coffee, so the other building has a Keurig now and those damn pods. At our bldg across the street, we voted to keep the plain old pot.

Astounding, to have a CEO's salary and not be able to afford overpriced coffee for your own office. Tsk! Tsk!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on April 13, 2016, 12:28:26 PM
Man, I believe that potable water is a right for work places, especially if you have a warehouse full of men that work their butts off ensuring that orders get out on time, or are willing to unload a container in under an hour to avoid being billed for the driver's time.

We have a water fountain but it is nasty as shit. It wasn't all that costly to get a good water cooler, found it on craig's list, and because I am a frugal person, I go to the grocery store whenever we are running low and fill up a bunch of 5 gallon jugs for 39 cents a gallon. The grocery store on the way to my office has two filters so it doesn't take all that long, and if I am truly lazy, I can have a guy from the warehouse haul it from my car, but to date, I haven't yet requested help.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shanghaiMMM on April 13, 2016, 11:10:44 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Taran Wanderer on April 19, 2016, 04:56:59 PM
My boss and I were discussing strategies for maxing out 401k contributions given annual bonuses, Q2 pay increases, and our company's policy of only contributing their 3% match on a per pay period basis.  (We have to contribute 6% per pay period to get the match, meaning we have to make the contribution every pay period of the year to get the full match.). I offered up the calculator spreadsheet I made, and he said he'd love to have it.  Then I offered it to one of my employees whom I know maximizes his contribution, and he wants it also. So, we have some savers around here!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: SeaEhm on April 19, 2016, 07:08:28 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!

I would have no regrets spending $100 on a good meal in Shanghai.  yummy!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on April 19, 2016, 08:14:12 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!

I would have no regrets spending $100 on a good meal in Shanghai.  yummy!

Yeah I don't spend a ton of money when going out, so if I am spending $100 I imagine it's going to be an experience. I know $100 isn't enough for a meal at Alinea or French Laundry, but there are bound to be some amazing tasting course meals that can be swung for $100 (including tax and gratuity).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shanghaiMMM on April 19, 2016, 08:49:16 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!

I would have no regrets spending $100 on a good meal in Shanghai.  yummy!

Yeah I don't spend a ton of money when going out, so if I am spending $100 I imagine it's going to be an experience. I know $100 isn't enough for a meal at Alinea or French Laundry, but there are bound to be some amazing tasting course meals that can be swung for $100 (including tax and gratuity).

Yeah $100 would get you most things in Shanghai. I just find it hard to justify it when I can eat out for $20-30 and it is still amazingly tasty! Even harder to justify when I can eat tasty Chinese food for about $2-3 :-p

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on April 19, 2016, 09:08:00 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!

I would have no regrets spending $100 on a good meal in Shanghai.  yummy!

Yeah I don't spend a ton of money when going out, so if I am spending $100 I imagine it's going to be an experience. I know $100 isn't enough for a meal at Alinea or French Laundry, but there are bound to be some amazing tasting course meals that can be swung for $100 (including tax and gratuity).

Yeah $100 would get you most things in Shanghai. I just find it hard to justify it when I can eat out for $20-30 and it is still amazingly tasty! Even harder to justify when I can eat tasty Chinese food for about $2-3 :-p

I agree, but for $100 I would be going out for an experience. Something that you think about for a long time. I remember a meal I had in Vegas that cost me $65 for food, tip, tax, and a martini. I was able to expense (I am very cheap generally so occasional splurge) and it is a meal I still think about. When I was bemoaning about the expense a few days later with a colleague he remarked, "You're still talking about how good it was, sounds like it was worth the expense."
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on April 20, 2016, 01:03:54 PM
Mustachian:

I hate spending money on clothes, I never buy new clothes!

Anti:

Instead I don't mind spunking $100 on a meal, that's definitely worth it!

I thought I had an ally at work for a split second!

I would have no regrets spending $100 on a good meal in Shanghai.  yummy!

Yeah I don't spend a ton of money when going out, so if I am spending $100 I imagine it's going to be an experience. I know $100 isn't enough for a meal at Alinea or French Laundry, but there are bound to be some amazing tasting course meals that can be swung for $100 (including tax and gratuity).

Yeah $100 would get you most things in Shanghai. I just find it hard to justify it when I can eat out for $20-30 and it is still amazingly tasty! Even harder to justify when I can eat tasty Chinese food for about $2-3 :-p

I agree, but for $100 I would be going out for an experience. Something that you think about for a long time. I remember a meal I had in Vegas that cost me $65 for food, tip, tax, and a martini. I was able to expense (I am very cheap generally so occasional splurge) and it is a meal I still think about. When I was bemoaning about the expense a few days later with a colleague he remarked, "You're still talking about how good it was, sounds like it was worth the expense."

Co-worker has a point.

I can think of a few times in the past 15 years where I've spent upwards of 60$/person on a meal (... like, maybe 5-6 times, total). I remember each of those meals, and OMG so excellent, and my husband and I will still be like 'remember that meal in Paris?' (150$/person, and 6 years later I still start salivating when I think about the cheese plate).

It's not an every day expense. Or an every month expense. Or, hell, an every year expense. But... rough numbers? In the end, we're talking less than 40$/year on stupidly expensive meals, with MASSIVE enjoyment, and great memories. Definitely wouldn't do it every week, but there are worse things to spend 40$/year on, y'know?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: CNM on April 20, 2016, 01:14:18 PM
My coworker was pondering summer activities for her 10 year old son.  She said, "I know!  We have an old table that needs to be refinished.  He will like spending time sanding it down, and then I'll help him reseal it."

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on April 21, 2016, 06:59:25 AM
My coworker was pondering summer activities for her 10 year old son.  She said, "I know!  We have an old table that needs to be refinished.  He will like spending time sanding it down, and then I'll help him reseal it."

Hah. We've been occupying the toddler by having her 'help' get small rocks and pebbles off the lawn area before we seed grass. She's surprisingly into it (like, we had to convince her to stop for dinner last night, becuase she wanted to keep going), and it's actually a help. Yay for kids enjoying themselves AND being a help! :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Inaya on April 21, 2016, 07:13:26 AM
My coworker was pondering summer activities for her 10 year old son.  She said, "I know!  We have an old table that needs to be refinished.  He will like spending time sanding it down, and then I'll help him reseal it."

Hah. We've been occupying the toddler by having her 'help' get small rocks and pebbles off the lawn area before we seed grass. She's surprisingly into it (like, we had to convince her to stop for dinner last night, becuase she wanted to keep going), and it's actually a help. Yay for kids enjoying themselves AND being a help! :)
My parents kept me busy by having me "paint" the front gate. It was just a paint can full of water. I think they missed out on an excellent opportunity for free labor--at least on the bottom 3 ft. of the gate.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Primm on April 21, 2016, 07:14:56 AM
My coworker was pondering summer activities for her 10 year old son.  She said, "I know!  We have an old table that needs to be refinished.  He will like spending time sanding it down, and then I'll help him reseal it."

Hah. We've been occupying the toddler by having her 'help' get small rocks and pebbles off the lawn area before we seed grass. She's surprisingly into it (like, we had to convince her to stop for dinner last night, becuase she wanted to keep going), and it's actually a help. Yay for kids enjoying themselves AND being a help! :)

When my boys were about 8 and 11 my ex and I split up. We lived for a time in a townhouse with a common swimming pool. It was next to a university so most of the other tenants were students and the pool was surrounded by pebbles.

It didn't take long for the boys and the manager to come to an agreement about pool maintenance. The pebbles were too big to be picked up in the vacuum system and too smooth for a net. So they used to dive down and collect them, and he paid them $2 for every 10 pebbles. They got more money from him than they did for doing their chores!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on April 21, 2016, 11:26:26 AM
My coworker was pondering summer activities for her 10 year old son.  She said, "I know!  We have an old table that needs to be refinished.  He will like spending time sanding it down, and then I'll help him reseal it."

Hah. We've been occupying the toddler by having her 'help' get small rocks and pebbles off the lawn area before we seed grass. She's surprisingly into it (like, we had to convince her to stop for dinner last night, becuase she wanted to keep going), and it's actually a help. Yay for kids enjoying themselves AND being a help! :)

When my boys were about 8 and 11 my ex and I split up. We lived for a time in a townhouse with a common swimming pool. It was next to a university so most of the other tenants were students and the pool was surrounded by pebbles.

It didn't take long for the boys and the manager to come to an agreement about pool maintenance. The pebbles were too big to be picked up in the vacuum system and too smooth for a net. So they used to dive down and collect them, and he paid them $2 for every 10 pebbles. They got more money from him than they did for doing their chores!
Did the manager ever find out about the boys nightly re-supplying of the pebbles stock?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: HappierAtHome on May 07, 2016, 04:25:12 PM
Coworker told me she has a 50% savings rate!!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: InsertFullNameHere on May 07, 2016, 10:55:54 PM
Overheard a couple strangers at work:

Girl: Hey we need to have lunch together some time!
Friend: Oh I'd love to, but I shouldn't; I want to save money because my car needed $600 of repair this week...
Girl: <sounds of sympathy>
Friend: Don't worry it's fine! I had enough in my savings to cover it, and besides that's why we have savings in the first place, right? Hey, how about instead of lunch out we make something at my place instead...

They both seemed to love the idea of a home-made dinner, and it all just made me smile that someone is dealing with their money in a not-ridiculous way.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrDelane on May 08, 2016, 06:36:18 PM
A younger coworker of mine has always seemed like he was pretty free with his spending.  Drives a luxury vehicle and is always the sharpest dressed person in the office. I kind of assumed he blew most of his money on clothes, etc.

Well - found out the other day that he bought his car used (he's apparently never bought a new car).  He told me he'd rather let other people pay for the depreciation.

Then, recently, someone complimented him on a new dress shirt.  He responded with,
"thanks, I got for last week for $4."

When I asked him if I'd heard him right he told me he buys all his dress shirts at thrift shops.  He said he saw no reason to pay double digits for clothes.  I was impressed not only that he had that attitude, but that he was proud to let everyone know.

My respect for him skyrocketed...and I was reminded in that moment not to make any snap judgements on people. 

You really can never tell if people are living off debt or living well within their means....even when you have a good idea of what their means are.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Vanguards and Lentils on May 08, 2016, 06:50:21 PM
A younger coworker of mine has always seemed like he was pretty free with his spending.  Drives a luxury vehicle and is always the sharpest dressed person in the office. I kind of assumed he blew most of his money on clothes, etc.

Well - found out the other day that he bought his car used (he's apparently never bought a new car).  He told me he'd rather let other people pay for the depreciation.

Then, recently, someone complimented him on a new dress shirt.  He responded with,
"thanks, I got for last week for $4."

When I asked him if I'd heard him right he told me he buys all his dress shirts at thrift shops.  He said he saw no reason to pay double digits for clothes.  I was impressed not only that he had that attitude, but that he was proud to let everyone know.

My respect for him skyrocketed...and I was reminded in that moment not to make any snap judgements on people. 

You really can never tell if people are living off debt or living well within their means....even when you have a good idea of what their means are.

nice story! and I no longer have an excuse for dressing like a turd =(
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrDelane on May 08, 2016, 07:53:24 PM
I no longer have an excuse for dressing like a turd =(

That's exactly what I thought too.
:)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shanghaiMMM on May 08, 2016, 11:39:37 PM
I no longer have an excuse for dressing like a turd =(

That's exactly what I thought too.
:)

I made an arbitrary resolution to not buy new clothes this year. I had to break it this weekend and buy a few new shirts for work as I really was starting to look turdish :(

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: VaCPA on May 10, 2016, 09:14:22 AM
Then, recently, someone complimented him on a new dress shirt.  He responded with,
"thanks, I got for last week for $4."

Dang, maybe I need to check out thrift shops. I try to make it a point to never spend more then $20-25 on my dress shirts, although sometimes I do. You can find really nice fitting stuff in that price range if you shop at the right places, sometimes name brand. Never thought of a thrift shop though
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: tiger002 on May 10, 2016, 08:06:07 PM
I'm a fairly new employee, and I had a meeting with my boss today to discuss my performance, which then led into making sure I knew about the different benefits available to the employees, and he brought up the topic of saving, encouraging me to make sure I was contributing to our 401k enough to get the match, something that I'd been doing. He then mentioned that being in mostly stocks was a good idea, and that passive investing is better than active. Sure, stuff that I already knew because of this forum and related sites, but it was good to see that he was trying to guide me in the right way.

And then he mentioned something about working there for 40 years would give me a good retirement when I'm 25 now. Well, most the conversation is deserving of this thread.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: stripey on May 12, 2016, 07:19:02 AM
A coworker used to do a coffee run every day for our team to fill up the coffee cards. He never paid for a coffee.

Funnily enough, he retired early!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: zephyr911 on May 12, 2016, 07:21:28 AM
I recently put in a week at the state's National Guard emergency operations center, and met a bunch of my fellow servicemembers who I don't normally see. Asked one senior NCO what his day job was:

"I manage my own investments."

I was like... "yeah, I'm working toward that myself. Good on ya." And we got back to work. I should be in that exact situation in about a year.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: rockstache on May 12, 2016, 12:10:41 PM
My boss and I were discussing strategies for maxing out 401k contributions given annual bonuses, Q2 pay increases, and our company's policy of only contributing their 3% match on a per pay period basis.  (We have to contribute 6% per pay period to get the match, meaning we have to make the contribution every pay period of the year to get the full match.). I offered up the calculator spreadsheet I made, and he said he'd love to have it.  Then I offered it to one of my employees whom I know maximizes his contribution, and he wants it also. So, we have some savers around here!

This is my work situation exactly. I would love a copy of it if you wouldn't mind!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aetherie on May 18, 2016, 06:42:42 AM
My 23 year old coworker told me yesterday that he's getting ready to start biking to work (figuring out routes etc.) and that his dream in life is not to own a car.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on May 18, 2016, 06:56:15 AM
My 23 year old coworker told me yesterday that he's getting ready to start biking to work (figuring out routes etc.) and that his dream in life is not to own a car.

I think we're up to 1/2 my team biking to work now (some less consistent).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on May 18, 2016, 08:03:52 AM
My husband got added to an engagement team at work. He was going through the suggestion box and found a note from last year, requesting that he and 1 other guy get some sort of award for biking to work every day of the summer.  Whoever submitted it thought they should be acknowledged for "saving parking spaces".

Nothing came of it, but my husband was thrilled someone cared enough to submit that.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on May 18, 2016, 08:16:43 AM
LOL of all things parking spaces.

But at least that tells you a lot about the perspective of the writer.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mrcheese on May 18, 2016, 06:10:42 PM
A coworker used to do a coffee run every day for our team to fill up the coffee cards. He never paid for a coffee.

Funnily enough, he retired early!
I have a friend who does something similar, she gets so many cards punched through her work that she can usually treat friends to coffee on the weekends! 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dollar Slice on May 19, 2016, 09:57:28 AM
It wasn't at work, but anti-antimustachian... I was at a museum event last night with a lot of older wealthy fancypants type people. I went to the ladies room afterwards there were a few people waiting in line. Some very fashionably-dressed woman comes in behind me and promptly cuts me in line (NYC, land of entitled assholes). She tells another woman "Oh! I love your shoes!" and the woman thanks her and continues washing her hands. Then she asks the woman with the nice shoes "Who are they?" meaning, you know, which designer made them. Because of course we all wear designer fucking shoes. The woman with the shoes gives her a bright smile and says "No idea. Got them at a thrift store." The woman who cut me in line seemed a bit taken aback... hahaha.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 19, 2016, 11:43:51 AM
A coworker used to do a coffee run every day for our team to fill up the coffee cards. He never paid for a coffee.

Funnily enough, he retired early!
I have a friend who does something similar, she gets so many cards punched through her work that she can usually treat friends to coffee on the weekends!

I know that this has been hashed out untold times here at MMM, but I still cannot fathom how much people spend on coffee and other drinks. I'm so glad that at work people don't care and will drink whatever we have. I think we make Folgers and no one really minds, if someone did ask me to upgrade the coffee beans I would, but am glad that no one has. It's a small office, I do keep a lookout for people bringing in their own coffee just in case they are doing it because ours is crap, but I don't notice anyone doing so.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jinga nation on May 19, 2016, 02:23:48 PM
It wasn't at work, but anti-antimustachian... I was at a museum event last night with a lot of older wealthy fancypants type people. I went to the ladies room afterwards there were a few people waiting in line. Some very fashionably-dressed woman comes in behind me and promptly cuts me in line (NYC, land of entitled assholes). She tells another woman "Oh! I love your shoes!" and the woman thanks her and continues washing her hands. Then she asks the woman with the nice shoes "Who are they?" meaning, you know, which designer made them. Because of course we all wear designer fucking shoes. The woman with the shoes gives her a bright smile and says "No idea. Got them at a thrift store." The woman who cut me in line seemed a bit taken aback... hahaha.
The classic 'chat and cut', as explained by Hizzoner Larry David https://www.youtube.com/watch?v=77bW1aMAkhs (https://www.youtube.com/watch?v=77bW1aMAkhs)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Dollar Slice on May 19, 2016, 03:00:13 PM
It wasn't at work, but anti-antimustachian... I was at a museum event last night with a lot of older wealthy fancypants type people. I went to the ladies room afterwards there were a few people waiting in line. Some very fashionably-dressed woman comes in behind me and promptly cuts me in line (NYC, land of entitled assholes). She tells another woman "Oh! I love your shoes!" and the woman thanks her and continues washing her hands. Then she asks the woman with the nice shoes "Who are they?" meaning, you know, which designer made them. Because of course we all wear designer fucking shoes. The woman with the shoes gives her a bright smile and says "No idea. Got them at a thrift store." The woman who cut me in line seemed a bit taken aback... hahaha.
The classic 'chat and cut', as explained by Hizzoner Larry David https://www.youtube.com/watch?v=77bW1aMAkhs (https://www.youtube.com/watch?v=77bW1aMAkhs)

Stuff like this is filed under "don't sweat the small stuff." If she needed to pee badly enough to cut me in line, that's OK. If she is such an awful person that cutting me in line and making me wait 27 more seconds to pee somehow makes her happy, then I feel sorry for her that her life is such a dreadful wasteland devoid of real meaning. Plus, she was on the elderly side, and I have a rule about not arguing with old ladies. :-)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Giro on May 20, 2016, 01:33:19 PM
one of my gym rat friends was wearing a really bad tshirt that apparently he had torn working in the yard.  He walks up to me and tells me he needs to go to Goodwill and buy some more tshirts. 

Then he tells me about his latest trip to Goodwill where he got 4 dress shirts nearly new but had to pay to get them altered.  He said he negotiates at Goodwill and they usually give him 50% off. 

hahaha  LOVE THIS GUY. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 20, 2016, 01:55:31 PM
It wasn't at work, but anti-antimustachian... I was at a museum event last night with a lot of older wealthy fancypants type people. I went to the ladies room afterwards there were a few people waiting in line. Some very fashionably-dressed woman comes in behind me and promptly cuts me in line (NYC, land of entitled assholes). She tells another woman "Oh! I love your shoes!" and the woman thanks her and continues washing her hands. Then she asks the woman with the nice shoes "Who are they?" meaning, you know, which designer made them. Because of course we all wear designer fucking shoes. The woman with the shoes gives her a bright smile and says "No idea. Got them at a thrift store." The woman who cut me in line seemed a bit taken aback... hahaha.
The classic 'chat and cut', as explained by Hizzoner Larry David https://www.youtube.com/watch?v=77bW1aMAkhs (https://www.youtube.com/watch?v=77bW1aMAkhs)

Stuff like this is filed under "don't sweat the small stuff."

AGREED! I've gotten better about not getting all bothered by terrible drivers. I learned a good lesson from my sister's husband who whle driving was flicked off. I looked at him, as if expecting him to get angry, but he just shrugged and said, "Why should it affect my mood?"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Uturn on May 20, 2016, 02:25:07 PM
Heard this exchange just yesterday.

CW1: Those new Corvettes sure look nice
CW2: You should get one.  I bet you can afford the payments
CW1: I could afford to pay cash
CW2: (eyes wide) Really?!?  Why don't you get one?
CW1: Because I would rather not work into my 60's
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Alternatepriorities on May 20, 2016, 04:14:40 PM
Heard this exchange just yesterday.

CW1: Those new Corvettes sure look nice
CW2: You should get one.  I bet you can afford the payments
CW1: I could afford to pay cash
CW2: (eyes wide) Really?!?  Why don't you get one?
CW1: Because I would rather not work into my 60's

That's awesome. I should have said that to the coworker who suggested I buy a new car on payments a year out of college... I was driving a junker so I did buy a new (to me) much nicer vehicle a year or so later. The same coworker asked what my payment was. His eyes got pretty wide when I told him I didn't have one...
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on May 20, 2016, 04:41:17 PM
Heard this exchange just yesterday.

CW1: Those new Corvettes sure look nice
CW2: You should get one.  I bet you can afford the payments
CW1: I could afford to pay cash
CW2: (eyes wide) Really?!?  Why don't you get one?
CW1: Because I would rather not work into my 60's

That's awesome. I should have said that to the coworker who suggested I buy a new car on payments a year out of college... I was driving a junker so I did buy a new (to me) much nicer vehicle a year or so later. The same coworker asked what my payment was. His eyes got pretty wide when I told him I didn't have one...
I STILL get that.  We bought our last cars in 2006 and 2009, paid cash.  I mean, we were in our late 30s/ early 40s.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on May 20, 2016, 05:49:07 PM
Heard this exchange just yesterday.

CW1: Those new Corvettes sure look nice
CW2: You should get one.  I bet you can afford the payments
CW1: I could afford to pay cash
CW2: (eyes wide) Really?!?  Why don't you get one?
CW1: Because I would rather not work into my 60's

That's awesome. I should have said that to the coworker who suggested I buy a new car on payments a year out of college... I was driving a junker so I did buy a new (to me) much nicer vehicle a year or so later. The same coworker asked what my payment was. His eyes got pretty wide when I told him I didn't have one...
I STILL get that.  We bought our last cars in 2006 and 2009, paid cash.  I mean, we were in our late 30s/ early 40s.

We did that in 2011, and it's the car we're still driving. The fact that we have a 4-year-old car and commute to work together so that we only need one car seems to mystify my colleagues. And I'm like... It's cheap, it runs fine, it's great on gas, and we like each other enough to chat for 45 minutes 2 days a week. What's the problem?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 20, 2016, 10:00:42 PM
I heard my warehouse manager castigating a warehouse worker for not cooking more. He was giving him advice on things to make and I suggested he use his slow cooker to make things like chili.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on May 21, 2016, 06:43:12 AM
Heard this exchange just yesterday.

CW1: Those new Corvettes sure look nice
CW2: You should get one.  I bet you can afford the payments
CW1: I could afford to pay cash
CW2: (eyes wide) Really?!?  Why don't you get one?
CW1: Because I would rather not work into my 60's

That's awesome. I should have said that to the coworker who suggested I buy a new car on payments a year out of college... I was driving a junker so I did buy a new (to me) much nicer vehicle a year or so later. The same coworker asked what my payment was. His eyes got pretty wide when I told him I didn't have one...
I STILL get that.  We bought our last cars in 2006 and 2009, paid cash.  I mean, we were in our late 30s/ early 40s.

I think a large number of people assume that if you have a car that is less than 10 years old (or more) that you financed it to buy it.

I cannot recall a time when people talked about a paid off car at work that was not in this situation, particularly at my past employer (current immediate team is all super MMM like lol so I'd guess none of us have loans other than one guy with a mortgage).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: .x. on May 21, 2016, 08:29:01 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on May 21, 2016, 09:04:34 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

I told my husband recently that if he was ever looking for a mid-life crisis hobby in the future (we're 25 and 26), he had to pick something with a high resale value. He suggested rare books. I told him that was OK.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: nobodyspecial on May 21, 2016, 02:07:19 PM
I think a large number of people assume that if you have a car that is less than 10 years old (or more) that you financed it to buy it.

I cannot recall a time when people talked about a paid off car at work that was not in this situation, particularly at my past employer (current immediate team is all super MMM like lol so I'd guess none of us have loans other than one guy with a mortgage).
Presumably a MMM (if they were to buy a new car rather than the proscribed official bike+trailer) would get a loan rather than pay cash?
Car loans are <1% (according to the annoying radio ad) I can do a lot better with that $20k-30k than 1%
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ambimammular on May 22, 2016, 07:16:43 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

I told my husband recently that if he was ever looking for a mid-life crisis hobby in the future (we're 25 and 26), he had to pick something with a high resale value. He suggested rare books. I told him that was OK.

I like this! What else would make mustachian (or even better, lucrative) mid-life crises? Marathon training, instrument learning, hmmm

My dad bought a single engine airplane, and that thing went up in value big time. But I know he spent many dollars on insurance and pilot licenses.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on May 22, 2016, 07:31:04 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

I told my husband recently that if he was ever looking for a mid-life crisis hobby in the future (we're 25 and 26), he had to pick something with a high resale value. He suggested rare books. I told him that was OK.

I like this! What else would make mustachian (or even better, lucrative) mid-life crises? Marathon training, instrument learning, hmmm

My dad bought a single engine airplane, and that thing went up in value big time. But I know he spent many dollars on insurance and pilot licenses.

I think several kinds of craft hobby that involve making little items that are easy to sell to cover your costs might go well, like crafting small leather goods or carving small wood items.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: lemanfan on May 22, 2016, 10:25:50 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

A couple of years ago I got sort of a mid life crisis when a cousin roughly the same age as me died of a stroke on a monday morning.

I bought a convertible.

But in order to buy it i sold my regular car, and the purhcase price for the convertible and sale price for the regular car was roughly the same, so I don't think it was that bad from a financial standpoint.

Now, a few years later I'm still in love with the convertible.  To drive down a small country road on a nice summer afternoon with the top down is still magic and brings a smile to my face every time. :)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on May 22, 2016, 11:33:26 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

I told my husband recently that if he was ever looking for a mid-life crisis hobby in the future (we're 25 and 26), he had to pick something with a high resale value. He suggested rare books. I told him that was OK.

I like this! What else would make mustachian (or even better, lucrative) mid-life crises? Marathon training, instrument learning, hmmm

My dad bought a single engine airplane, and that thing went up in value big time. But I know he spent many dollars on insurance and pilot licenses.

I think several kinds of craft hobby that involve making little items that are easy to sell to cover your costs might go well, like crafting small leather goods or carving small wood items.

Gardening. Baking.

Hell, I know a guy who took a few pastry-making classes in his early 30s. Seriously effective as a dating tactic: "oh, I was experimenting with millefeuilles - would you like to come try some?"
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: ender on May 22, 2016, 03:15:25 PM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

I told my husband recently that if he was ever looking for a mid-life crisis hobby in the future (we're 25 and 26), he had to pick something with a high resale value. He suggested rare books. I told him that was OK.

I like this! What else would make mustachian (or even better, lucrative) mid-life crises? Marathon training, instrument learning, hmmm

My dad bought a single engine airplane, and that thing went up in value big time. But I know he spent many dollars on insurance and pilot licenses.

My dad built an airplane as a midlife crisis. Or something like that. Probably wasn't very much per hour in terms of cost :-)  Lots of hours makes a high cost cheap per hour!

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Murse on May 22, 2016, 06:58:43 PM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrFrugalChicago on May 23, 2016, 06:56:50 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.

Are you saying that is high or low?

500k is way way way above the US national average. So while not MMM levels, it is a pretty good stash. In 10 more years they may be able to retire.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: shelivesthedream on May 23, 2016, 07:38:25 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.

Are you saying that is high or low?

500k is way way way above the US national average. So while not MMM levels, it is a pretty good stash. In 10 more years they may be able to retire.

Say WHAT? 4% of $500k is $20,000 a year. That is totally MMM levels of FIRE money.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Apples on May 23, 2016, 08:41:25 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.

Are you saying that is high or low?

500k is way way way above the US national average. So while not MMM levels, it is a pretty good stash. In 10 more years they may be able to retire.

Say WHAT? 4% of $500k is $20,000 a year. That is totally MMM levels of FIRE money.

MMM levels would be much higher-after 20 years in a high paying field, a MMM person would have several million in retirement.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: infogoon on May 23, 2016, 09:18:02 AM
MMM levels would be much higher-after 20 years in a high paying field, a MMM person would have several million in retirement.

I think you're wildly overestimating how much a pharmacy technician job pays. My wife did that part-time in a supermarket pharmacy when she was an undergrad, and I don't think she made more than nine or ten dollars an hour.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: RWD on May 23, 2016, 09:20:38 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.

Are you saying that is high or low?

500k is way way way above the US national average. So while not MMM levels, it is a pretty good stash. In 10 more years they may be able to retire.

Say WHAT? 4% of $500k is $20,000 a year. That is totally MMM levels of FIRE money.

MMM levels would be much higher-after 20 years in a high paying field, a MMM person would have several million in retirement.

But not in a single 401k, due to contribution limits, unless you have an incredible employer match. In 1996 the 401k contribution limit was $9500. If you contributed the federal max to your 401k from 1996 to 2015 with no employer matching you would end up with around $468k (assuming 7% returns). I'd say $500k is quite an impressive number.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on May 23, 2016, 09:53:06 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.

Are you saying that is high or low?

500k is way way way above the US national average. So while not MMM levels, it is a pretty good stash. In 10 more years they may be able to retire.

Say WHAT? 4% of $500k is $20,000 a year. That is totally MMM levels of FIRE money.

MMM levels would be much higher-after 20 years in a high paying field, a MMM person would have several million in retirement.

But not in a single 401k, due to contribution limits, unless you have an incredible employer match. In 1996 the 401k contribution limit was $9500. If you contributed the federal max to your 401k from 1996 to 2015 with no employer matching you would end up with around $468k (assuming 7% returns). I'd say $500k is quite an impressive number.

Especially for a pharmacy tech, as opposed to a pharmacist. Very different jobs, those: it's like comparing a nursing tech (minimum wage) to a nurse ($50k+).
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: I'm a red panda on May 23, 2016, 09:57:07 AM
MMM levels would be much higher-after 20 years in a high paying field, a MMM person would have several million in retirement.

I think you're wildly overestimating how much a pharmacy technician job pays. My wife did that part-time in a supermarket pharmacy when she was an undergrad, and I don't think she made more than nine or ten dollars an hour.

I think they are thinking of a pharmacist. Very different job. My local hospital has job openings for pharmacists around $100k, and pharm techs around $30k.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: mm1970 on May 23, 2016, 11:24:24 AM
I'm at a new job and there has been a student nurse around. It was her last day and she was asking about wages. Somehow her previous career came up (pharmacy technician) and she mentioned she had worked at that pharmacy for 20 years. Then she told me she had 500k in her 401k. 500k from 20 years as a pharmacy tech.
That's fantastic
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Lyngi on May 23, 2016, 09:24:13 PM
I don't think pharmacy tech.  I'm a pharmacist, been one for 22 years.  I have 480K.  Now, I didn't invest the maximum in the early years, only enough to get the match--sigh.  My tech's start at $12 and max out at $17. 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: TheGrimSqueaker on May 23, 2016, 10:00:17 PM
I don't think pharmacy tech.  I'm a pharmacist, been one for 22 years.  I have 480K.  Now, I didn't invest the maximum in the early years, only enough to get the match--sigh.  My tech's start at $12 and max out at $17.

True. But who's more likely to move into a job as a student nurse after 20 years of working: you, or one of your techs?
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: NorCal on May 23, 2016, 10:23:57 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MrDelane on May 23, 2016, 10:27:35 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Pretty sure you meant to post that in this thread: 
http://forum.mrmoneymustache.com/antimustachian-wall-of-shame-and-comedy/overheard-at-work/

(at least I hope so)
:)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on May 24, 2016, 12:34:08 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 24, 2016, 12:45:14 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jeromedawg on May 24, 2016, 01:41:11 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.


LOL, I've heard of this sushi place from some friends of mine who also waited in line for a long time... https://www.yelp.com/biz/%E5%AF%BF%E5%8F%B8%E5%A4%A7-%E4%B8%AD%E5%A4%AE%E5%8C%BA
I don't think there's ever a "good time" to go - if you go any later than that, you'll be waiting even longer most likely. Part of the problem is that they can only seat so many people at once (14 seats). Though one Yelper mentions going an hour before closing, because it's not nearly as busy. Kinda ridiculous but it is one of the most renown sushi joints in Japan and is located at the famous Tsukiji fish market, which apparently may close because they are planning to host Olympic events there. Considering it's probably a once-in-a-lifetime opportunity (well, for me it would be) while in Japan (and even more so because it would likely close down along with the market), I'd probably bite the bullet if I couldn't swing going there around when they close.... but on the flip-side, I'd probably make my plans around going to this place at 1pm if they really aren't as busy by then. As far as waiting in line, have you heard of Franklin's BBQ in Austin? lol...

I'm actually surprised the lawyer girl didn't talk about probable experiences with wagyu and kobe beef, and how she paid hundreds of dollars to eat 4 ounces of beef fat.

After you mentioned fishing and catching the fish fresh, you got me reminiscing - I actually went on a trip to Baja like that where we caught tons of firecracker yellowtail and the guide filleted one on the boat and we ate it just like that (one of his buddy came by and tossed us a bag of limes and soy sauce). Of course, they say fish is at it's prime (in terms of flavor and texture) typically days after it's caught. I wouldn't have known because I was too busy chowing down - fortunately nobody suffered from seasickness in that tiny panga as there were no swells; otherwise, it would have been a mess.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 24, 2016, 01:54:30 PM
[

LOL, I've heard of this sushi place from some friends of mine who also waited in line for a long time... https://www.yelp.com/biz/%E5%AF%BF%E5%8F%B8%E5%A4%A7-%E4%B8%AD%E5%A4%AE%E5%8C%BA


Yeah that's what I was thinking it was. While I likely would find other things to do with my time in Tokyo, I've heard great things about this place and don't think it's facepunch worthy to wait in line.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on May 24, 2016, 03:18:49 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.

It makes complete mathematical sense to provide the meals.  Say the associate would otherwise be spending 15 minutes to pop downstairs and pick up the meal.  Well that's $100 (more or less) in lost revenue.  Delivery is much cheaper.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jeromedawg on May 24, 2016, 03:58:43 PM
[

LOL, I've heard of this sushi place from some friends of mine who also waited in line for a long time... https://www.yelp.com/biz/%E5%AF%BF%E5%8F%B8%E5%A4%A7-%E4%B8%AD%E5%A4%AE%E5%8C%BA


Yeah that's what I was thinking it was. While I likely would find other things to do with my time in Tokyo, I've heard great things about this place and don't think it's facepunch worthy to wait in line.

I think it's worth it if you know you won't be back to Japan for a while. But yea, I'd of course try to figure out how to hack my way to a faster meal... even if it means eating on my own. My friends who went were a big group but they were fine with splitting up into 2s and 3s to get in faster - it worked in their favor as I'm pretty sure they didn't wait for more than a couple hours. The nice thing about this is that you're not spending a lot of money for super fresh sushi that's likely as good as the premiere places in the Bay Area and LA (think Sushi Shibucho in Costa Mesa and Yume in Alameda... I've been to both and it's not cheap - my brother treated us to Yume and my friend treated us to Shibucho. I've only been to Shibucho a few other times and it comes out to be anywhere from $80-$120 depending on how much you eat). Seems with Sushi Dai you can get away with a sushi meal on $20-40 which is really good. Only problem is that wait, of course :) And then of course, getting over there (sunk-cost though for most... though I'm sure some stupid rich execs don't mind hopping on their private jets to hit up Japan for the day)

This just reminded me of Din Tai Fung - they recently opened one up in the Bay Area and several have posted videos of the line, which weaves through the mall probably several hundreds of yards. I've heard of 4-5 hour lines just for stupid dumplings. I've been to DTF before (the one in Arcadia) but certainly didn't wait that long. It was probably a 30min wait max. The dumplings aren't worth waiting for 5 hours in line over, though there are many people (hipsters) who wouldn't mind at all... you know, gotta insta/vine/hashtag the experience yo. Word. #yolo

 
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: firelight on May 24, 2016, 09:33:45 PM
I saw the DTF line last week and didn't understand what the big deal was! Now I know #yolo
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jeromedawg on May 24, 2016, 11:36:23 PM
I saw the DTF line last week and didn't understand what the big deal was! Now I know #yolo

#yolo, it's worth the 5 hour wait in line. You might as well drive down to SoCal in that timeframe and eat at the Arcadia location where there's less of a wait if you go at the right time. I feel like xiao long bao is one of those things that's really difficult to screw up at most decent Chinese/Taiwanese restaurants... the big selling point, *I guess*, with DTF is that they're made "fresh" - most of the time I can't tell but maybe everyone else, especially the hipsters, can tell the difference.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: LennStar on May 25, 2016, 02:56:37 AM
just btw: Tokyo is the town with the most (Michelin) star-rated restaurants.
There is even one in an underground parking space with 7 seats and a soup-only "restaurant" not much bigger.
The Michelin guys had to redo their evaluation system because of the many "unusual" good restaurants in Japan. Service quality of the waiters? There are none!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 25, 2016, 10:32:39 AM
just btw: Tokyo is the town with the most (Michelin) star-rated restaurants.
There is even one in an underground parking space with 7 seats and a soup-only "restaurant" not much bigger.
The Michelin guys had to redo their evaluation system because of the many "unusual" good restaurants in Japan. Service quality of the waiters? There are none!

Yeah, though I haven't been to Tokyo, much less ate at any of these restaurants, I think the level of Michelin rated places in Japan is horshit. Just a way for the company to sell more tires.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: aFrugalFather on May 25, 2016, 11:29:29 AM
I saw the DTF line last week and didn't understand what the big deal was! Now I know #yolo

#yolo, it's worth the 5 hour wait in line. You might as well drive down to SoCal in that timeframe and eat at the Arcadia location where there's less of a wait if you go at the right time. I feel like xiao long bao is one of those things that's really difficult to screw up at most decent Chinese/Taiwanese restaurants... the big selling point, *I guess*, with DTF is that they're made "fresh" - most of the time I can't tell but maybe everyone else, especially the hipsters, can tell the difference.

In a pinch I satisfy my XLB cravings from the frozen section of Trader Joes, they are pretty good.  But I'm always on the lookout for bay area locales with the fresher stuff.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: dragoncar on May 25, 2016, 12:46:27 PM
just btw: Tokyo is the town with the most (Michelin) star-rated restaurants.
There is even one in an underground parking space with 7 seats and a soup-only "restaurant" not much bigger.
The Michelin guys had to redo their evaluation system because of the many "unusual" good restaurants in Japan. Service quality of the waiters? There are none!

Yeah, though I haven't been to Tokyo, much less ate at any of these restaurants, I think the level of Michelin rated places in Japan is horshit. Just a way for the company to sell more tires.

Lol, thanks Kenm
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jeromedawg on May 25, 2016, 12:54:04 PM
I saw the DTF line last week and didn't understand what the big deal was! Now I know #yolo

#yolo, it's worth the 5 hour wait in line. You might as well drive down to SoCal in that timeframe and eat at the Arcadia location where there's less of a wait if you go at the right time. I feel like xiao long bao is one of those things that's really difficult to screw up at most decent Chinese/Taiwanese restaurants... the big selling point, *I guess*, with DTF is that they're made "fresh" - most of the time I can't tell but maybe everyone else, especially the hipsters, can tell the difference.

In a pinch I satisfy my XLB cravings from the frozen section of Trader Joes, they are pretty good.  But I'm always on the lookout for bay area locales with the fresher stuff.

This reminds me, I need to find a good bamboo steamer - my wife has been wanting one. Maybe I should post in the DIY section to see if anyone has a tutorial hahahahha :D
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Inaya on May 26, 2016, 01:51:43 PM
I've suspected for a while that my boss is pretty frugal. He almost always brings his lunch to work. He talks about planting his own trees and constructing his kids' backyard playground. And he rented a metal detector to find his wedding band which he lost in his garden (and found it!).

Today he was talking about how his French doors were being replaced. He said all of the quotes he got were in the 5-digit range. He managed to find a nice set of French doors on Craigslist for $900. I was pretty impressed. Then he was talking about getting a fancy new doorbell to go with the fancy new door. He stopped mid-sentence and said, "Actually, you know what? I'll just paint the old doorbell." Guy knows what's up.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Magilla on May 27, 2016, 02:32:23 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.

Umm you must be mistaken.  Google, Facebook etc do the free food for the exact same reasons that the banks/law firms do it: to keep the employees working longer.  Especially in the beginning when Google wasn't paying the highest salaries, the free food was a big money saver for them (~$3k food cost per employee vs perceived value raises of ~$10k)
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: NorCal on May 27, 2016, 08:58:46 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.

Umm you must be mistaken.  Google, Facebook etc do the free food for the exact same reasons that the banks/law firms do it: to keep the employees working longer.  Especially in the beginning when Google wasn't paying the highest salaries, the free food was a big money saver for them (~$3k food cost per employee vs perceived value raises of ~$10k)

To be clear, this lawyer wasn't talking about food provided by the firm.  This firm doesn't do that.  She was talking about paying for delivery to her house for literally every single meal.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: lostamonkey on May 27, 2016, 10:05:39 PM
I think employer paid lunches would be more expensive for me than my current lunches. Employer paid regular meals are taxable in Canada and cost of employer provided lunch x my tax rate is greater than the cost of a lunch I prepare myself.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on May 27, 2016, 11:57:45 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.

Umm you must be mistaken.  Google, Facebook etc do the free food for the exact same reasons that the banks/law firms do it: to keep the employees working longer.  Especially in the beginning when Google wasn't paying the highest salaries, the free food was a big money saver for them (~$3k food cost per employee vs perceived value raises of ~$10k)

Do you have a source for the $3k food cost vs salary? I don't mistrust your numbers just curious to learn more.

Yeah for Google I saw it as a way or them to keep employees there longer. With young employees that are unmarried, I imagine it pays off well to feed them and have them access to most things they can need as this coupled with having many young people with similar interests around makes them more likely to stay and work, and it can help increase dialogue with people in different deparatments, creating new ideas.

My cousin (works at Google) told me that he heard that an ex-intern "lived" at Google for about a year after his internship before he was discovered and the people at Google weren't really mad at him, it sounded like they were impressed.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Ceridwen on June 02, 2016, 11:59:48 AM
I posted about this colleague's plans last year on this thread, and yesterday she announced that she's doing it!

Frugal colleague in her early 30s is taking a 10 month sabbatical from work to travel with her boyfriend before they settle down and have kids.  They've been saving for a few years, have subletted their apartment, and are ready to hit the road in September.  I'm so happy for her! I'm also selfishly excited for me because now that the precedent of taking a sabbatical has been set (she's the first), I may see if I can take one myself when DH and I pay off our mortgage in 2020 and I contemplate being a SAHM.

This colleague and I are travelling together for 2 weeks next month and are staying at a very expensive hotel (not our choice).  We've already made plans to hit a grocery store on day 1 so we can stock our mini fridges with food and pocket our per diems instead of eating at the hotel restaurants.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Magilla on June 02, 2016, 03:25:43 PM
Background:  My wife is a lawyer at a BigLaw firm.  Last weekend, we were invited to one of the Partner's houses along with a bunch of co-workers as a way to get to know everyone.  You couldn't ask for a more non-mustachian crowd.  Here's a few of my favorite comments:

[20-something brand new lawyer]  "My trip to Tokyo was amazing for the food.  We waited in line for over 5 hours starting at 3:30am to get into an amazing Sushi place at the fish market".  I refrained from asking whether they could have done a complete fishing charter and got their own fresh fish in that amount of time.

[50-something partner with her husband] "We went to an amazing restaurant last night.  The food is served from a fixed menu, and you have to buy the $250 tickets (per person, excluding drinks) a month in advance.  We don't trust UberX drivers, so we took an UberBlack (they live maybe 45 minutes away) for only $125 each way."

[same 20-something brand new lawyer] "I only really eat delivery.  One time I nearly panicked because there was a Giants game going on (she lives across the street from the stadium), and no one could deliver in a reasonable amount of time.  I wasn't sure how I was going to eat."  Discussion ensued.  The rest of the crowd was even a little shocked by this one.  Particularly since there is literally a Safeway on the ground floor of her building.

Lol pm me the firm.  It should be noted that most young big law lawyers eat mostly delivery because it's provided for free by the firm when they work late (which is usually).  And a 50-somethin partner spending $250 on dinner is probably equivalent to me eating at Taco Bell on an income percent basis (median profits per partner in big law being around $1.3 million per year, and likely much higher for that guy)

LOL!

Yeah, while they make a lot of money, I don't think there is an amount of money that would be worth the sacrifice and toil it takes to get to that level....considering that BLaw partners work just as hard as they did while they were associates (don't know if this includes hustling new clients or becoming a 'rainmaker.')

I know a few people that are I-bankers and they have all their meals provided while they are working. It isn't because the company values them like Google and other places do, it's because they expect them to be there working insane hours. They are given a list of restaurants that they can order from and have it delivered. A few tell me that after a while the novelty wears off and foods taste the same.

Umm you must be mistaken.  Google, Facebook etc do the free food for the exact same reasons that the banks/law firms do it: to keep the employees working longer.  Especially in the beginning when Google wasn't paying the highest salaries, the free food was a big money saver for them (~$3k food cost per employee vs perceived value raises of ~$10k)

Do you have a source for the $3k food cost vs salary? I don't mistrust your numbers just curious to learn more.

Yeah for Google I saw it as a way or them to keep employees there longer. With young employees that are unmarried, I imagine it pays off well to feed them and have them access to most things they can need as this coupled with having many young people with similar interests around makes them more likely to stay and work, and it can help increase dialogue with people in different deparatments, creating new ideas.

My cousin (works at Google) told me that he heard that an ex-intern "lived" at Google for about a year after his internship before he was discovered and the people at Google weren't really mad at him, it sounded like they were impressed.

Hehe, made me go google it :)  The number I remember (~$3750) came from a 2007 critique of Google culture by a former employee (he left MS to do a startup, was bought out by Google, worked at Google for a while then got sick of it and left). https://no2google.wordpress.com/2007/06/24/life-at-google-the-microsoftie-perspective/

This stuck with me because at the time I interviewed at Google and the culture seemed off to me (not wrong, just not right for me, too college after school special) and I couldn't put my finger on it until I read this and it all clicked.

More recent articles estimate food costs at Google now to be 5-8K per person.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: bigalsmith101 on June 02, 2016, 05:33:19 PM
I've only been at my current job for just shy of 10 months, but I can tell that I'm having a small, but not negligible effect on my early 50's co-worker. She's a single lady, and has never been married, has a paid off 13 year old Hyundai Tiburon, and paid 40% down on her house (inheritance) 13 years ago. She once went crazy with a HELOC and owes $40k on it. Between that, and her $80k mortgage, she has no other debt. She's shy in asking for help, but not helpless herself. Very reliable worker also.

In the past 6 months, her car has been "nickel and diming" her to death and she has started to suggest that she is on the verge of buying a new car to hold her out until her retirement age. I instantly go in to daydream mode, imagining with dread the thought of seeing her roll into the parking lot in a new 2016 Dodge Dart that she envies. ($20k+tax for the model she likes)

I tell her, "You know, buying a new car will cost you a MINIMUM of $350/mo, plus your full coverage insurance on a much more expensive car. Your latest car expense is only about 3 months of car payments. At this rate, if you can afford the new car payment, you can afford to repair this car 3 more times this year and still come out ahead."

Then she has a fender bender in the parking lot, and her $1000 deductible is used up, and she's moaning again. And I reminder, it's better than buying a new car and watching that $450/mo go out the window. You're the original owner of your current car, and it's still the cheaper option.

Gratefully, she excepts my advice with an open mind, so I feel free offering it.

Then, over the course of normal conversation, I learn that she's paying 5.5% on her home loan. I eagerly suggest that she contact her bank (along with others) and ask about refinancing, and I suggest that she roll in her HELOC into this new mortgage as long as the interest rate is lower (it will be) . In our area, 3.75% for a 15 year mortgage would cut 2 years off her loan, saving her over $22k in payments, and would save her an additional $200-$250/mo over the life of her loan, saving another $36k minimum.

I flat out told her, "Refinancing to 3.75% will save you over $50k depending on the refinancing costs your bank charges. I'll go with you to the bank if you make an appointment!"

Two months later, she say's, "Alex, I called my bank, and I have asked about refinancing. Is there anything I should know about it before going in there?"

I gave her some info, and offered again to go with her. She's not shy about her finances with me, so she told me if she's nervous when the time comes, she'll ask, but not to worry about it.

I'm stoked!

Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: MgoSam on June 02, 2016, 07:54:24 PM

I gave her some info, and offered again to go with her. She's not shy about her finances with me, so she told me if she's nervous when the time comes, she'll ask, but not to worry about it.

I'm stoked!

You're the man!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: jinga nation on June 03, 2016, 07:28:28 AM
My boss is very thrifty with his money. Doesn't go out for lunch, his wife packs him a cooler full of food. Only goes for a leaving lunch for a valuable co-worker.
If he hears that people are paying ridiculous interest rates on mortgages, he jumps on them to get refinancing. And he won't let up until it is done.
We have several VG funds in our 401k, including VINIX, VEMPX, and VBMPX, ER 0.04-0.05%, with a 4% match for your first 6%. He gets mad if employees don't contribute, lectures them about leaving free money on the table.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on June 03, 2016, 07:29:27 AM
Then, recently, someone complimented him on a new dress shirt.  He responded with,
"thanks, I got for last week for $4."

Dang, maybe I need to check out thrift shops. I try to make it a point to never spend more then $20-25 on my dress shirts, although sometimes I do. You can find really nice fitting stuff in that price range if you shop at the right places, sometimes name brand. Never thought of a thrift shop though

Thrift shop success might be regional though. We checked out our local Goodwill again the other day and what they carried were quite used and dated looking. There were a few things worth buying but we're in a small town. I wonder if the thrift shops are better stocked in bigger cities.

We rarely shop for clothes. I buy alot of duplicates - two or three of the same thing in different colors. I guess I can get away with that as a male. We just look for sales and then treat the clothes well enough to make them last several years. My job doesn't require a suit or a tie, just look neat and tidy.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Kitsune on June 03, 2016, 07:45:33 AM

I wonder if the thrift shops are better stocked in bigger cities.


They are. I used to live in a big city - found great stuff in thrift stores. Now I'm near a small town - used walmart clothing is what's there. At that price, I'll buy new Old Navy for the kid - costs the same as the thrift store and gets delivered to my door.

Caveat: if you live near a place that's one of those rich-people villages (you know - big houses, cute restaurants, near a river or lake, usually populated by people who subsist on outside/inherited money...), the thrift stores THERE Are 100% worth going to. If you're in Quebec, check out North Hatley, for example. Non-chain thrift stores in rich communities, basically.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on June 03, 2016, 08:09:26 AM
Really, I'm posting to follow, but I do remember a guy who bought a fancy new corvette and then resorted to saying "This is not a mid-life crisis car" every time someone admired it.  Ha!  Dude, that was totally a mid-life crisis car.  There was no way he could afford that car.  Had to sell it soon after.

Maybe this isn't a situation in other states but mine has sales tax on vehicles. Sort of precludes car hopping in my mind.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Joggernot on June 03, 2016, 09:20:05 AM
For thrift stores, look at different areas.  We took a ride one weekend and ended up in "horse country".  Few houses, but lots of horses.  Found a thrift store run by a local church and hit a gold mine.  Lots of expensive clothes, etc. for next to nothing.  Bought two great sweaters that lasted us another 10 years.  Look for thrift stores outside your normal area, and you might find gold.
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Nederstash on June 03, 2016, 03:35:53 PM
Met a true badass at work! He is retired, but he came back to do a part time project he really likes. And he bikes to work... 14 miles one way, so 28 miles a day.

Not bad for a 75 year old!
Title: Re: Overheard at Work: The Anti-Antimustachian Edition
Post by: Making Cookies on June 03, 2016, 04:32:22 PM
That is a super bike commute.