Author Topic: Overheard at Work  (Read 8737412 times)

Le Barbu

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Re: Overheard at Work
« Reply #6250 on: January 07, 2015, 09:20:57 AM »
I have a Pandora knock off.  My MIL gave it to me as a 40th B'day gift.  I liked it for awhile.  I rarely bought myself charms, just received them as gifts from my kids and family.   I did buy a few, but you can get very inexpensive silver ones from websites.  I might have spend $25 on 6 charms.  In the end, I only wear it occasionally because it is too bulky to wear daily with all the charms on it.  I do enjoy wearing it when I do put it on, because I like looking at the charms my kids bought me for Christmas, Mother's day etc...

Don't get me wrong, owning or buying Pandora bracelet is perfectly ok. The main point I wanted to bring is that out-of-nowhere remark from CW that I could buy and give it to my wife to make her happy. Through the years, I bought A LOT of gift to her and never needed outsiders to give me a clue. Over 15 years, I gave my wife a diamond ring, perfumes, necklaces and earrings. She got a pretty high budget for clothes (her and kids), winter-coats and boots (Canadian, ya know?!). If I feel she crave for a Pandora, I may find myself buy and give with no regrets*. I admit I prefer to buy high-end kitchen stuff (Kitchen-Aid appliances, quality knives or pans etc) because she is a GREAT cook and we enjoy cooking together.

*thanks for the tip of buying charms in bulk for cheap to save some couch sleep, I noted this one!

MandalayVA

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Re: Overheard at Work
« Reply #6251 on: January 07, 2015, 09:35:23 AM »

But I think I have you all beat this year.  My father-in-law died the day after Christmas (he'd been sick for a while, not much of a surprise).  I came back to work today, and here comes a coworker.

COWORKER:  I'm sorry about your father-in-law.
ME:  Thanks.
COWORKER:  I hope you still had a nice Christmas and that he got you nice things.
ME:  (blinks)  Um, he was basically in a coma for the last two weeks of his life.
COWORKER:  (have to bold this because I'm still shaking my head)  Well, then, he should have done his shopping earlier or had someone do it for him.

She said it with a completely straight face, too.  Yeah, like he was going "Wow, I think I'm gonna buy it pretty soon, better get my Christmas shopping done!"

And people ask me why I want to retire ...

Oh my god. It would have taken everything I had not to drop kick her in the face.

For the record, my FIL and I weren't close at all--remember, this was the guy who was totally supporting three of his five children, all of whom are in their late forties to early fifties (and the shitstorm that I predicted would happen upon his death is indeed happening).  I don't make that public knowledge though.  I thought the whole thing was more funny than anything but a couple of people overheard and saved me the job of ripping her a new one.

boarder42

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Re: Overheard at Work
« Reply #6252 on: January 07, 2015, 10:59:12 AM »
Not overheard but witnessed:

Yesterday i saw a couple who i know live together and both work at my company park their SUV and Sedan next to each other in the parking garage at work and proceed to wish each other a good day.  Now this being the first time i saw it b/c i arrived congruently, I'm unsure if its the norm for them, but it probably is. 

I'm sure they are justifying as having some alone time even though they work in different parts of the company.  Or b/c one has to go by the store on the way home or to the overpriced gym etc. 

eyePod

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Re: Overheard at Work
« Reply #6253 on: January 07, 2015, 11:38:50 AM »
Quote
I would also hestitate to recommend buying a bracelet like this for your wife.  I think the bracelet is horribly tacky.  Also, I have no idea how much it costs.  I just did an image search

Expensive. And in the UK in busy shopping centres you have to queue up to get in at Xmas, Valentine's Day, Mother's Day. To be fair, you need something to do while your other half queues at the Apple store.

Mustachian rather than anti-Mustachian:
Boss (well paid director): We got my wife a new car over the holidays, the old one wouldn't get through the next MOT without spending more than it's worth. I sold it separately - I had to look back through the MOT certs to see how many times it had gone round the clock.

I think it's very similar to other things. There are different levels of "expense." My parents got one for my wife (they couldn't have spent more than $100 on it). I'll probably get a few little extra add ons over the years just with nice to remember things (right now there's a birth stone for our daughter, star/moon, and something else that I don't remember). But you can go way overboard with it if you want.

GrayGhost

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Re: Overheard at Work
« Reply #6254 on: January 08, 2015, 12:03:55 AM »
Buddy at work has two huskies. He was talking about getting a minivan (new, of course) with fold-down seats so that for the occasional long road trip, the dogs can romp around in the back and be happy, and there would still be room to haul luggage and other stuff.

He's already got a Beemer, a huge Ford pickup, and a motorcycle... I don't think any of them are paid off, either...

jordanread

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Re: Overheard at Work
« Reply #6255 on: January 08, 2015, 04:22:45 AM »
Buddy at work has two huskies. He was talking about getting a minivan (new, of course) with fold-down seats so that for the occasional long road trip, the dogs can romp around in the back and be happy, and there would still be room to haul luggage and other stuff.

He's already got a Beemer, a huge Ford pickup, and a motorcycle... I don't think any of them are paid off, either...
My two dogs (GSD & malinois mix) both fit in the back seat of my 2 door '88 sentra. You should ask him if he has a treadmill for them too.

I'm a red panda

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Re: Overheard at Work
« Reply #6256 on: January 08, 2015, 07:04:15 AM »
I can understand needing room for your dogs in your car, if they travel with you frequently (though my dog is just as happy in the back of my Civic as the back of the Escape)- but dogs do not need room to romp in a car.  Just like people, they should be secured to be kept safe.  A dog gets just as hurt when they are a projectile in an accident as when a person is.

Rural

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Re: Overheard at Work
« Reply #6257 on: January 08, 2015, 07:07:42 AM »
Two Great Danes fit fine in the back of a 2003 Kia Rio Cinco -that's the 'station wagon' model.

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Re: Overheard at Work
« Reply #6258 on: January 08, 2015, 08:23:30 AM »
My sister does road trips with a Saint Bernard and a Golden Lab in her 2009 Matrix.  They get buckled into the backseat just like anyone else's children.  She also has occasionally camped in the car with them on these trips though that tends to take a little more space planning.

C. K.

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Re: Overheard at Work
« Reply #6259 on: January 08, 2015, 08:31:28 AM »
Pre MMM:  I bought a pandora bracelet.  I can tell you right now why they are so successful. 

From the guy's point of view:
I buy this stupid bracelet and a couple connectors now for Christmas.
Birthday:  $100 stupid gem
Valentines day:  $50 stupid gem
Anniversary:  $50 stupid gem
I did something stupid:  couch... or $20 stupid gem
REPEAT

Girl's point of view:
Awwww... he loves me!

This company will continue to do amazing.  I promise.  Guys can buy these stupid things without having to plan a lot and they also don't have to worry about getting the wrong present.

The girl who says she likes them so she can throw them all in a box... genius!  They are designed to be as auto pilot as gift cards but look like you put thought into it so I'm sure her family loves buying her presents now.

Bingo! We have a winner! This is what I wanted to say.

ketchup

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Re: Overheard at Work
« Reply #6260 on: January 08, 2015, 08:39:42 AM »
We've done three Australian Shepherds in a Geo Metro on a 2100 mile road trip, and we've done six Australian Shepherds (not all of them ours) in a Buick Roadmaster Wagon on a 2400 mile road trip with four dog crates set up in the back.  Good times.

Better Change

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Re: Overheard at Work
« Reply #6261 on: January 08, 2015, 09:27:16 AM »
Yesterday:

Our company made some calculation flub and had extra money to dole out in our 401ks at the end of the year.  I was discussing with two co-workers the awesomeness of $2k+ that I discovered in my account right before Christmas.  One of them high-fived me back (though he admitted he hadn't contributed much, and thus did not get anywhere near that $2k mark), but the other stared at me rather dumbfoundedly.  I don't think he's contributing to his 401k (and has a family of six or seven....).  Missing out on (LOTS OF) free money.  :(

antarestar

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Re: Overheard at Work
« Reply #6262 on: January 08, 2015, 10:02:50 AM »
Quote
We took a Great Dane and an Alaskan Malamute (plus 2 adults) on a 1.5 week camping road trip in a Ford Taurus sedan. We were experts at 3D tetris getting everything back in the car by the end but we all fit comfortably.
Now we take road trips back home with the Malamute, two cats (I kid you not, they travel just as well as the dog) and two adults in a Jetta station wagon

My cat rides with me regularly. He didn't like it at first but now he's used to it and barely makes a peap. I keep waiting for the day I get pulled over with him in the passenger seat. "Ma'am, what's in the box over there?"
Keep in mind I am a 30 something white woman driving back highways of South Carolina in a car that looks straight out of Fast and Furious.
« Last Edit: January 08, 2015, 10:13:23 AM by antarestar »

gimp

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Re: Overheard at Work
« Reply #6263 on: January 08, 2015, 11:46:36 AM »
Quote
We took a Great Dane and an Alaskan Malamute (plus 2 adults) on a 1.5 week camping road trip in a Ford Taurus sedan. We were experts at 3D tetris getting everything back in the car by the end but we all fit comfortably.
Now we take road trips back home with the Malamute, two cats (I kid you not, they travel just as well as the dog) and two adults in a Jetta station wagon

My cat rides with me regularly. He didn't like it at first but now he's used to it and barely makes a peap. I keep waiting for the day I get pulled over with him in the passenger seat. "Ma'am, what's in the box over there?"
Keep in mind I am a 30 something white woman driving back highways of South Carolina in a car that looks straight out of Fast and Furious.

Need photos. Not of you, but the car and the cat.

zephyr911

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Re: Overheard at Work
« Reply #6264 on: January 08, 2015, 01:05:37 PM »
Being in the military having fairly short hair is a job requirement and many of my coworkers will get a haircut every two weeks.  I'm usually a 3-week kind of guy, but I also cut my own hair.  Some of my coworkers scoffed at going through the trouble to save on a $10 haircut until I pointed out it's more like $200 worth of haircuts at the end of the year.  I save that much each year with an initial investment of $30 for the clippers.
I got commissioned in 2000... 6 years of active duty and another 8 in the guard, I've paid for maybe 15-20 haircuts.
I started *trying* to cut my own hair pretty early, but sort of slacked off after doing a bad job once and being criticized for it. What put me back on the DIY track were a few bad experiences - incredibly slow, AND bad quality - that made me realize I could beat the overall value if I got my act together. I got to the point after a bit of practice where I could do it myself in less time, and better than the average paid job. Now I only pay when I don't have access to my own gear.
I have a CW who likes to go to the upscale sports-themed place where they charge about $35 for a cut, shampoo, massage, etc... my wife even bought me a cert for it after he talked me into trying it once, so I went back for #2, but not long after that, I found MMM and even the occasional indulgence in such things went out the window.

zataks

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Re: Overheard at Work
« Reply #6265 on: January 08, 2015, 01:35:01 PM »
If I'm going to "indulge" in a haircut, one of the sports "man" hair cut salons would be one of the last places I'd go.  When I want an indulgence of this nature (and it's been a couple years since I've embraced the desire) I head to a proper barber for a straight edge on the scalp and a hot shave. 

fantabulous

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Re: Overheard at Work
« Reply #6266 on: January 08, 2015, 02:28:19 PM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

dycker1978

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Re: Overheard at Work
« Reply #6267 on: January 08, 2015, 03:06:18 PM »
If I'm going to "indulge" in a haircut, one of the sports "man" hair cut salons would be one of the last places I'd go.  When I want an indulgence of this nature (and it's been a couple years since I've embraced the desire) I head to a proper barber for a straight edge on the scalp and a hot shave.

I am going to "induldge" in one of these this weekend... I got a coupon in the mail for a free hair cut for first time users... sound like a good deal to me :)

NoraLenderbee

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Re: Overheard at Work
« Reply #6268 on: January 08, 2015, 03:47:28 PM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

It sounds like a beauty salon redecorated and renamed so that insecure men can get their hair fluffed without feeling emasculated.

Timmmy

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Re: Overheard at Work
« Reply #6269 on: January 08, 2015, 04:07:11 PM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

These are all the rage around here.  I can think of 4 or 5 within a couple of miles.  They give you beer when you walk in, there are sports on TVs all over the place, pictures of scantily clad women and cars on the walls, scantily clad women do the hair cutting.  There's even one that has a pool table. 

One of my clients owns one so my haircuts are free except the tip.

austin

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Re: Overheard at Work
« Reply #6270 on: January 08, 2015, 04:24:26 PM »
Ugh, that gives off a really pathetic faux-macho vibe like the whole "man cave" phenomenon. I have the image of a bunch of dumpy 30-somethings in there trying to relive their frat days.

cthoops

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Re: Overheard at Work
« Reply #6271 on: January 08, 2015, 04:24:34 PM »
My co-worker is so full of himself that it's amazing his head fits through the door.  Today at our staff lunch he spent ten minutes talking about this new lightbulb he has in his living room that allows him to adjust the brightness from his phone (or something like that - I was only half-listening).  The whole set up costs over $50.  Dude.  Get up and adjust the lightbulb yourself.  You need the exercise. 

After that, he spent twenty minutes talking about how his daughter was leaving tomorrow for her honeymoon in the Cook Islands.  I know more about the Cook Islands now than I ever cared to learn.

I swear, it's like I'm an alien from another planet.

« Last Edit: January 08, 2015, 04:41:22 PM by cthoops »

resy

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Re: Overheard at Work
« Reply #6272 on: January 08, 2015, 05:29:24 PM »
Thanks for the story Gator.

But it's not a sweet Camero, it's a Bitchin' Camero!

www.youtube.com/watch?v=1v3CzvQ9e_w

BITCHIN' CAMARO BITCHIN' CAMARO!  I remember that song fondly from my senior year of high school.

But I think I have you all beat this year.  My father-in-law died the day after Christmas (he'd been sick for a while, not much of a surprise).  I came back to work today, and here comes a coworker.

COWORKER:  I'm sorry about your father-in-law.
ME:  Thanks.
COWORKER:  I hope you still had a nice Christmas and that he got you nice things.
ME:  (blinks)  Um, he was basically in a coma for the last two weeks of his life.
COWORKER:  (have to bold this because I'm still shaking my head)  Well, then, he should have done his shopping earlier or had someone do it for him.

She said it with a completely straight face, too.  Yeah, like he was going "Wow, I think I'm gonna buy it pretty soon, better get my Christmas shopping done!"

And people ask me why I want to retire ...
Oh my gawd I actually literally laughed out loud by myself in a room full of people upon reading this.

zolotiyeruki

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Re: Overheard at Work
« Reply #6273 on: January 08, 2015, 06:10:27 PM »
These are all the rage around here.  I can think of 4 or 5 within a couple of miles.  They give you beer when you walk in, there are sports on TVs all over the place, pictures of scantily clad women and cars on the walls, scantily clad women do the hair cutting.  There's even one that has a pool table. 

Scantily-clad women cutting hair?  That seems like it would get itchy in a hurry in all sorts of uncomfortable places.

iris lily

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Re: Overheard at Work
« Reply #6274 on: January 08, 2015, 08:52:23 PM »
One of our CW had a Pandora for Christmas. All the girls were staring at it and make kind compliments.

Later this afternoon...

CW: You may buy a Pandora to your wife someday, like heu..for birthday! It's nice and she would like it.
me: ..........(facepalm in my head as usual)

wtf, I don't know where they pick idea like this one, I'm clueless

for the record, my wife buy as much stuff as she feel she need and I swear it is probably 5x the Mustachian level.

I had to google that.. I thought it was just an internet radio station.
me too.  So, it's a bracelet?
It's so much more than a bracelet!  It's a way to throw away money for years!  I'm so fascinated by the Pandora phenomenon.  I might quiz our admin about her bracelet, which isn't as ugly as the bracelet that I posted earlier.  However, the bracelet is not (what I would call) subtle or classic.

I am old. I am woman. I've seen many of these things within the overall trend of: "add a part" jewelry. When you think about it, it's actually a fabulous way for men to satisfy their woman's yen for gifts. It's so much easier to pick up a charm than it is to really think of an appropriate present she will love.

I don't mean this in a facetious way; I don't place the burden of "The Perfect Present" on my husband, I just don't have those expectations. But SO MANY women DO have those expectations, and the poor guys have to run around like chickens at gift obligation time.

These "add a thing" pieces of jewelry really help them out.  Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.
« Last Edit: January 08, 2015, 10:38:22 PM by iris lily »

dividendman

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Re: Overheard at Work
« Reply #6275 on: January 08, 2015, 09:18:44 PM »
I'm eating lunch with a bunch of co-workers. We all make fairly high salaries. Anyway, the topic of housing comes up and I say how crazy I think the prices are in Silicon Valley.

Everyone is agreeing with me. Then they start talking about their 5 or 6 bedroom places (for 3 or 4 people) in case guests come. The best part was one of them LOCKS THE DOORS of 2 of the rooms for almost the entire year so they don't have to clean it and the kids can't get in.

I also learned of a new thing... a "second kitchen" that people build in the garage or somewhere with the same fancy appliances as the real kitchen, but they use the second kitchen so the real kitchen doesn't get dirty... so their place looks good for guests i guess.

Then i asked how often guests come over to stay, and they all say a couple to a few times a year. I asked if it made more sense to get a smaller place for like... literally 500k to 1M less and use the saving to rent a hall  for big parties and pay for hotel rooms for the close friends or family who would stay over 1 or 2 times a year. I thought I was a genius and had just saved them oodles of money... but the idea was not taken well :(

4alpacas

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Re: Overheard at Work
« Reply #6276 on: January 08, 2015, 09:25:55 PM »
Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.

I knew about charm bracelets, but I thought charm bracelets were for children.  I had one when I was young.  My mother kept her childhood charm bracelet in her jewelry box.  I don't know if I've seen an adult wear a charm bracelet. 

I had to Google baby shoe charms and add a pearl necklaces (http://www.addapearl.com/). 

You're completely right, iris lily.  The build-a-piece-of-jewelry is definitely a trend that I had completely ignored.  This whole phenomenon is fascinating.

Indexer

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Re: Overheard at Work
« Reply #6277 on: January 09, 2015, 06:17:58 AM »
Quote from: iris lily
I am old. I am woman. I've seen many of these things within the overall trend of: "add a part" jewelry. When you think about it, it's actually a fabulous way for men to satisfy their woman's yen for gifts. It's so much easier to pick up a charm than it is to really think of an appropriate present she will love.

I don't mean this in a facetious way; I don't place the burden of "The Perfect Present" on my husband, I just don't have those expectations. But SO MANY women DO have those expectations, and the poor guys have to run around like chickens at gift obligation time.

These "add a thing" pieces of jewelry really help them out.  Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.

Bingo.  In my pre MMM days that is exactly why I bought a pandora bracelet.  I once got yelled at because the 'diamond' earrings I bought a girl didn't have high enough quality diamonds.  Yea....    However she loved that stupid pandora bracelet and any little trinkets I got for it.  You have a cat, here is a cat charm.  Made her super excited.   So glad she is in the past.

Gwyddyon

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Re: Overheard at Work
« Reply #6278 on: January 09, 2015, 06:22:39 AM »
Quote from: iris lily
I am old. I am woman. I've seen many of these things within the overall trend of: "add a part" jewelry. When you think about it, it's actually a fabulous way for men to satisfy their woman's yen for gifts. It's so much easier to pick up a charm than it is to really think of an appropriate present she will love.

I don't mean this in a facetious way; I don't place the burden of "The Perfect Present" on my husband, I just don't have those expectations. But SO MANY women DO have those expectations, and the poor guys have to run around like chickens at gift obligation time.

These "add a thing" pieces of jewelry really help them out.  Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.

Bingo.  In my pre MMM days that is exactly why I bought a pandora bracelet.  I once got yelled at because the 'diamond' earrings I bought a girl didn't have high enough quality diamonds.  Yea....    However she loved that stupid pandora bracelet and any little trinkets I got for it.  You have a cat, here is a cat charm.  Made her super excited.   So glad she is in the past.

Yelled at for diamponds. Wow. I'm so glad my wife only gets slightly annoyed when I forget which metal she's allergic to while buying her cubic zirconia studs at Claire's!

LennStar

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Re: Overheard at Work
« Reply #6279 on: January 09, 2015, 06:29:19 AM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

These are all the rage around here.  I can think of 4 or 5 within a couple of miles.  They give you beer when you walk in, there are sports on TVs all over the place, pictures of scantily clad women and cars on the walls, scantily clad women do the hair cutting.  There's even one that has a pool table. 

One of my clients owns one so my haircuts are free except the tip.
Haha!  I'll have to ask my DH about it.  He goes to one of the sports clips (?) to get his haircut.  He used to go to Great Clips until we moved.  The sport place is closer and is the same price.  He's never mentioned beer, scantily clad women or a pool table.
He surely thought it wasnt something you are interested in so he didnt talk about it ;)

Well, same price, shorter way, a game or two and something nice to rest your eyes on instead on your own ugly face is surely an improvement. And since I dont drink beer I can give it as a present to seomone else. Sounds like a good package!

For me as a Japan fan this instantly crops up the question if there is a maid version of this, too... YES http://www.smh.com.au/ftimages/2005/09/07/1125772575878.html
Oh, I love Japan :D :D
And of course in Akihabara, where else lol

Rollin

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Re: Overheard at Work
« Reply #6280 on: January 09, 2015, 07:38:24 AM »
Buddy at work has two huskies. He was talking about getting a minivan (new, of course) with fold-down seats so that for the occasional long road trip, the dogs can romp around in the back and be happy, and there would still be room to haul luggage and other stuff.

He's already got a Beemer, a huge Ford pickup, and a motorcycle... I don't think any of them are paid off, either...

Dogs, like kids, will always want to sit in the front seat.  So, his new mini van will have a lot of unused space :)

Rural

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Re: Overheard at Work
« Reply #6281 on: January 09, 2015, 08:07:13 AM »
Buddy at work has two huskies. He was talking about getting a minivan (new, of course) with fold-down seats so that for the occasional long road trip, the dogs can romp around in the back and be happy, and there would still be room to haul luggage and other stuff.

He's already got a Beemer, a huge Ford pickup, and a motorcycle... I don't think any of them are paid off, either...

Dogs, like kids, will always want to sit in the front seat.  So, his new mini van will have a lot of unused space :)
Oh no they won't. My dogs always hated the front seat. They're also not fond of the hatch and prefer to sit in the back seat


Our female Dane would very much prefer to drive, thanks. :-) Another reason to strap the dogs in.

Goldielocks

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Re: Overheard at Work
« Reply #6282 on: January 09, 2015, 10:00:48 AM »
Quote from: iris lily
I am old. I am woman. I've seen many of these things within the overall trend of: "add a part" jewelry. When you think about it, it's actually a fabulous way for men to satisfy their woman's yen for gifts. It's so much easier to pick up a charm than it is to really think of an appropriate present she will love.

I don't mean this in a facetious way; I don't place the burden of "The Perfect Present" on my husband, I just don't have those expectations. But SO MANY women DO have those expectations, and the poor guys have to run around like chickens at gift obligation time.

These "add a thing" pieces of jewelry really help them out.  Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.

Bingo.  In my pre MMM days that is exactly why I bought a pandora bracelet.  I once got yelled at because the 'diamond' earrings I bought a girl didn't have high enough quality diamonds.  Yea....    However she loved that stupid pandora bracelet and any little trinkets I got for it.  You have a cat, here is a cat charm.  Made her super excited.   So glad she is in the past.
Yah, well, I might have yelled at you too, if you got me diamonds instead of the new coffee mug or garden shovel I wanted....

Ashyukun

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Re: Overheard at Work
« Reply #6283 on: January 09, 2015, 10:02:42 AM »
Buddy at work has two huskies. He was talking about getting a minivan (new, of course) with fold-down seats so that for the occasional long road trip, the dogs can romp around in the back and be happy, and there would still be room to haul luggage and other stuff.

He's already got a Beemer, a huge Ford pickup, and a motorcycle... I don't think any of them are paid off, either...

Dogs, like kids, will always want to sit in the front seat.  So, his new mini van will have a lot of unused space :)
Oh no they won't. My dogs always hated the front seat. They're also not fond of the hatch and prefer to sit in the back seat


Our female Dane would very much prefer to drive, thanks. :-) Another reason to strap the dogs in.
Our boxer/pit mix prefers to spend the better part of the trip standing with his front paws on the center console and his head between SWMBO's and mine, or lying with his head resting on my arm (when I'm trying to drive).

skunkfunk

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Re: Overheard at Work
« Reply #6284 on: January 09, 2015, 10:02:55 AM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

These are all the rage around here.  I can think of 4 or 5 within a couple of miles.  They give you beer when you walk in, there are sports on TVs all over the place, pictures of scantily clad women and cars on the walls, scantily clad women do the hair cutting.  There's even one that has a pool table. 

One of my clients owns one so my haircuts are free except the tip.
Haha!  I'll have to ask my DH about it.  He goes to one of the sports clips (?) to get his haircut.  He used to go to Great Clips until we moved.  The sport place is closer and is the same price.  He's never mentioned beer, scantily clad women or a pool table.

I've been there a couple times in a pinch. They are dressed like referees, kinda. No beer, pool, or missing clothing. Just some sports decorations and tvs.

MgoSam

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Re: Overheard at Work
« Reply #6285 on: January 09, 2015, 10:44:26 AM »
I do not understand what this "sports" hair salon thing is. Is it just a hair salon with a bunch of sports memorabilia and TVs with sports games being shown? Are there men yelling "FOOTBALL" while giving or receiving hair cuts?

These are all the rage around here.  I can think of 4 or 5 within a couple of miles.  They give you beer when you walk in, there are sports on TVs all over the place, pictures of scantily clad women and cars on the walls, scantily clad women do the hair cutting.  There's even one that has a pool table. 

One of my clients owns one so my haircuts are free except the tip.
Haha!  I'll have to ask my DH about it.  He goes to one of the sports clips (?) to get his haircut.  He used to go to Great Clips until we moved.  The sport place is closer and is the same price.  He's never mentioned beer, scantily clad women or a pool table.

I've been there a couple times in a pinch. They are dressed like referees, kinda. No beer, pool, or missing clothing. Just some sports decorations and tvs.

I haven't been to one, but that's the impression I have. I usually go to Fantastic Sam's, but growing up we always went to Great Clips. I prefer Sam's as they will shampoo my hair and the stylists there appear to be more professional, and with coupons it oftentimes is the same price.

notquitefrugal

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Re: Overheard at Work
« Reply #6286 on: January 09, 2015, 12:26:47 PM »
I went to one of those places last week. They have $1 beers (which I didn't want early on a Saturday morning) but I didn't think the price was terrible for the big city.

pdxbator

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Re: Overheard at Work
« Reply #6287 on: January 09, 2015, 03:40:45 PM »
So things are pretty slow at my job. We are union and due to all the rules, they can't just fire people which is kind of nice. However, they can shave people's schedules. My co-workers are making in the low 100K/yr. I'm pretty excited to work a few fewer hours per week which just means more free time which I am all for.

However, there is one woman in particular who is having a meltdown over this. She is a single parent with 2 teenage kids so that's not all cheap I understand. BUT she drives a new Volvo SUV, goes new clothes shopping all the time, and is having a lavish second wedding. It sounds as if just working 2 hours a week fewer is going to put her in the poor house.

Nudelkopf

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Re: Overheard at Work
« Reply #6288 on: January 09, 2015, 05:19:06 PM »
Before this Pandora thing, remember those baby shoe charms thingies? They had options that hit all markets, versions with platinum/ gold/ diamonds, or versions with gold plating/rhinestones. Then back in my day there were Add-A-Pearl necklaces. Also there were classic charm bracelets, where, again, high end and low end existed in the marketplace for all levels of spending.
I knew about charm bracelets, but I thought charm bracelets were for children.  I had one when I was young.  My mother kept her childhood charm bracelet in her jewelry box.  I don't know if I've seen an adult wear a charm bracelet. 
Welp, for the first time I actually feel Anti-Mustachian. I have a gold charm bracelet which I still add charms too... Even worse, I don't wear it. I keep it as like a 'diary' of my life's events, and I have a summary in my jewelry box which describes what each of the charms mean. E.g. I have a mortar board depicting my honours degree, an apple for my education degree, and a Tower Bridge for the time I represented Australia at this maths thing in London as a teenager. Shit like that. I'll pass it onto my [yet to be born] daughter when I die, probs.

People collect all kind of crap. At least mine 'means' something (lol) and is small enough to be kept in my underwear drawer.

CAtoTX

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Re: Overheard at Work
« Reply #6289 on: January 09, 2015, 09:40:47 PM »
So I'm talking to this girl at work and she is talking about how frugal she is....well except she is trying to save for her wedding but keeps blowing the budget...and then she tends to buy nice things when she is stressed, and of course the wedding is stressing her out...and she also likes to go out for a nice dinner once a week which she says is at least $200 for her and her boyfriend with drinks and appetizers and entrees and dessert....so suddenly she can't pay off the credit card every month....
I smiled and let her talk. But then a few days later she is suddenly talking to another person about how hard it is to park big trucks. And come to find out she has gone out and bought a newer (new to her) Toyota Sequoia and it's out in the parking lot wedged between the other cars.

GrayGhost

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Re: Overheard at Work
« Reply #6290 on: January 09, 2015, 11:05:21 PM »
A few weeks ago, some guys from work and I were volunteering at a Habitat for Humanity project. Turns out one of them is a landlord.

Mortgage is $800. He rents out the house for $1000. Property manager fee is $100. So, he says that he makes about $1000 a month after all is said and done...

Before property taxes. Before insurance. Before maintenance and repairs.

I guess you could say that he's probably going to spend $100+ a month for twenty+ years in order to own a home free and clear at the end of that term, but even then, so what? He'll have a thirty year old house that will likely need significant renovations in order to rent out for good money or to live in.

It's not quite as bad as credit card debt or wasteful spending, but this is really not the best you could do as far as investments are concerned.

gooki

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Re: Overheard at Work
« Reply #6291 on: January 09, 2015, 11:23:09 PM »
$100 a month for 20 years is $24,000. Sounds like a fucking good buy to me.

auntie_betty

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Re: Overheard at Work
« Reply #6292 on: January 10, 2015, 02:41:45 AM »
$100 a month for 20 years is $24,000. Sounds like a fucking good buy to me.

And then it will bring in $12,000 a year. It's what I'm using for my pension.

mnsaver

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Re: Overheard at Work
« Reply #6293 on: January 10, 2015, 06:26:38 AM »


Then i asked how often guests come over to stay, and they all say a couple to a few times a year. I asked if it made more sense to get a smaller place for like... literally 500k to 1M less and use the saving to rent a hall  for big parties and pay for hotel rooms for the close friends or family who would stay over 1 or 2 times a year. I thought I was a genius and had just saved them oodles of money... but the idea was not taken well :(

I've done that. I live downtown and it was about 50K for the difference between a 1 and 2 bedroom. Most people who stay can sleep on my couch or an air mattress but I figure at times it will be easier for me to pay/help out with a hotel (like once my brother and his wife have kids).

Goldielocks

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Re: Overheard at Work
« Reply #6294 on: January 10, 2015, 09:58:30 AM »
While researching MER's today, I recalled a good one from last year.

Our Group Retirement plan sent out a fancy letter announcing large reductions in their management fees on some of their products they offer us.    Indicated that they have among the lowest management fees in the industry, and show the old and new %'s listed beside 5-6 funds.

These were impressive numbers for a managed fund, all between 1% and 1.5%.  But I was confused at the low low numbers, as all of them were for their fancy "wrap" products (e.g., target retirement date, funds that invest in other mutual funds, etc.)  So I took the time to look into it.

Turns out the MER's were still among the highest in the industry and in their group of offerings.   only the Management fee portion was reduced.  No mention of MERs on the letter.

This was designed to fool somewhat financially savvy persons into thinking that MERs were now low, and that these were the lowest fee funds around.   

Instead, it was a  Management fees announcement disguised as MER announcement.  Media heavily talks about MERs and mutual funds over 2% to be avoided...  Nearly no one hears management advice / info for Management fees separately.

I mentioned my frustration with this type of misleading advertising to my boss, as we were getting coffee from the pot.  A few others were around, and between the blank looks ("MER"?) and "I never read the financial announcements from our retirement plan provider"... I realized that this otherwise savvy group, who I think have excellent retirement savings themselves, and area all within 3-10 years of retirement, really had no idea..


Winston

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Re: Overheard at Work
« Reply #6295 on: January 11, 2015, 09:19:32 AM »
$100 a month for 20 years is $24,000. Sounds like a fucking good buy to me.

It's not. If it's before taxes and maintenance costs, it's terrible. There's a reason that most real estate investors assume that 50% of gross rents go to expenses. This guy is probably at least -$200 per month when all is said and done, he just doesn't realize it (or doesn't want to admit it).
« Last Edit: January 11, 2015, 09:42:14 AM by Winston »

mm1970

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Re: Overheard at Work
« Reply #6296 on: January 11, 2015, 09:39:41 AM »
So things are pretty slow at my job. We are union and due to all the rules, they can't just fire people which is kind of nice. However, they can shave people's schedules. My co-workers are making in the low 100K/yr. I'm pretty excited to work a few fewer hours per week which just means more free time which I am all for.

However, there is one woman in particular who is having a meltdown over this. She is a single parent with 2 teenage kids so that's not all cheap I understand. BUT she drives a new Volvo SUV, goes new clothes shopping all the time, and is having a lavish second wedding. It sounds as if just working 2 hours a week fewer is going to put her in the poor house.
I wonder about this too.  I have a couple of coworkers, married to each other.  We've had two layoffs, they both survived the layoffs, because they are both awesome people and workers.

But we cut so deep the second time that the wife got demoted (her position was eliminated and we opted to move her back to her old position).  So, while she didn't get a pay cut, she lost her "lead" differential and her "shift" changed so that extra amount got cut too.  And we changed shifts so that there was no more overtime.

She seems desperate for overtime now (which they get occasionally).  They don't seem to be spendy.  I think they rent out their house in their old town.  They live in a motorhome and only pay space rent.  I think she seems to be helping out others a lot, maybe that's the issue.  And there might be economic outpatient care for their adult children.

mm1970

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Re: Overheard at Work
« Reply #6297 on: January 11, 2015, 09:45:59 AM »
$100 a month for 20 years is $24,000. Sounds like a fucking good buy to me.

It's not. If it's before taxes and maintenance costs, it's terrible. There's a reason that most real estate investors assume that 50% of gross rents go to expenses. This guy is probably at least -$200 per month when all is said and done, he just doesn't know/realize it.

It depends on the market over the next years/decades, right?

So I have a friend who I tease is becoming a slum lord.  He doesn't really like 401ks.  So he bought a condo, lived in it.  Then he bought another condo (foreclosure) when the market was down, and rents it out.  This one is very cash positive.  Then he bought a house for his wife and kids and him to live it, and rents out the first condo.  But the first condo isn't cash positive - it breaks even before taxes.

Overall, he's a little cash positive.

The housing market has swung so much the last 15 years that it depends on when you buy.  But right now a 2BR house or condo is renting for $3000+ a month.  Now, if we rented our house, based on when we bought (bad time), that would pay mortgage, taxes, insurance, nothing left over.

However, 10 years from now, if rents are $4000/month, it would be cash positive.  Same with my friend.  In the long run, if rents keep increasing, he will have two cash positive rentals.

It's very market dependent though.  Small towns with not a lot of jobs wouldn't fare as well, I expect.

Winston

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Re: Overheard at Work
« Reply #6298 on: January 11, 2015, 10:33:47 AM »
It depends on the market over the next years/decades, right?


*Everything* depends on the market, though. Personally, I think it's a bad idea to bank on future valuation increases (see: housing market bubble), especially when your investment is costing you money every month. My stock market portfolio may be in the toilet any given month/year/decade, but it's not debiting my bank account like a house will. It's also not costing me time and aggravation like dealing with house/tenant stuff will (even with a property manager).

I understand that the approach can work and does work for some... but isn't it worth it to just hold out until you find RE that is cashflow positive?

Anyway... I feel like we're getting off topic here and that this discussion belongs in the RE/Landlording subforum. My apologies for that.

robotclown

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Re: Overheard at Work
« Reply #6299 on: January 11, 2015, 05:39:17 PM »
A coworker told me I should buy a sports car, because it would make me happier.  I couldn't help laughing at him.

Later we were talking about stocks, and he unimpressed that I don't have anything that's up 4000% this year (not that he does either, all his cash flow goes to sports car payments at 8% interest.)  I tried to explain dividends and compounding and tax efficiency, but, he started to zone out.