Author Topic: Overheard at Work  (Read 8890393 times)

RyanAtTanagra

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Re: Overheard at Work
« Reply #7450 on: March 20, 2015, 02:31:46 PM »
I agree that it is important to take care of your animals, but $5,000? But what do I know? I think animals belong in the wild or producing something on a farm. Animals are an expensive hobby.

I have a friend who just spent that on his cat that disappeared and showed back up a week later dragging a shattered leg and had gashes on his back and stomache.  Definitely not a frugal choice but his cat is awesome and he loves him to death and it's one of those things where if he didn't do it he'd had to have put him down and would have regretted it the rest of his life.  Sometimes mustachianism is about being able to do ridiculous things you wouldn't have otherwise had the option to do.

zephyr911

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Re: Overheard at Work
« Reply #7451 on: March 20, 2015, 02:36:57 PM »
I agree luxurious, but sometimes necessary.  I could not imagine having to share a bathroom with my teen.  I hate to even walk into her bathroom, I usually just shudder and shut the door.
Oh, I wouldn't go any lower. When I say ridiculous, I don't mean I'm considering further reductions, only that it's still wondrous and I'm reminding myself to be super-stoked about it.
When we have people over, it's usually LOTS of them, so even with 2 potties, the yard is often in play.

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My favorite CW finally told me how much he paid for his wife's new 4-Runner around Xmas. $39K!
We're both GS-12s, and he's slightly junior at 2 pay steps below... with kids... twice my mortgage payment... no 2nd job like I have... I really don't know how this was even possible. And he was just talking about how much it sucked to go from a contractor to GS, bringing home hundreds less per month. At least he admits he wouldn't do it again if he had the chance (I think he was just in the process of transitioning and the exact reality of the pay cut hadn't sunk in, even though he knew it was coming). This one regularly does a lot of stuff that makes me facepalm, but at the same time I can tell he's wrestling with a new understanding of needs vs. wants, and is interested in learning a new approach, so I do my best to sympathize while occasionally sharing my ideas.

zephyr911

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Re: Overheard at Work
« Reply #7452 on: March 20, 2015, 02:40:29 PM »
I helpfully informed him he was crazy.  Fortunately, he took it well.

Did you forget "fucking"? Because that is legitimately FUCKING crazy. Not just crazy. Holy fucking shit.

Megma

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Re: Overheard at Work
« Reply #7453 on: March 22, 2015, 09:32:13 PM »
I agree that it is important to take care of your animals, but $5,000? But what do I know? I think animals belong in the wild or producing something on a farm. Animals are an expensive hobby.

I have a friend who just spent that on his cat that disappeared and showed back up a week later dragging a shattered leg and had gashes on his back and stomache.  Definitely not a frugal choice but his cat is awesome and he loves him to death and it's one of those things where if he didn't do it he'd had to have put him down and would have regretted it the rest of his life.  Sometimes mustachianism is about being able to do ridiculous things you wouldn't have otherwise had the option to do.

I would consider it for my dog if she would be 100%ok with full life expectancy. She's old and I've had her since she was a puppy. I don't think I'd do something like doggie chemo where she'd be unlikely to live a long, full life afterwards but a bone? Probably. I've spent ~1k on her in the past for procedures she needed.

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Re: Overheard at Work
« Reply #7454 on: March 23, 2015, 06:41:44 AM »

I agree that it is important to take care of your animals, but $5,000?

If all it took was money for my dog to continue living a good life, I would definitely pay it.
When it comes to paying to extend what is no longer a happy life, then I would put the pet down.

But I would NEVER put down or get rid of a dog for something as fixable as an ACL.

dycker1978

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Re: Overheard at Work
« Reply #7455 on: March 23, 2015, 07:57:14 AM »
I agree that it is important to take care of your animals, but $5,000? But what do I know? I think animals belong in the wild or producing something on a farm. Animals are an expensive hobby.

I have a friend who just spent that on his cat that disappeared and showed back up a week later dragging a shattered leg and had gashes on his back and stomache.  Definitely not a frugal choice but his cat is awesome and he loves him to death and it's one of those things where if he didn't do it he'd had to have put him down and would have regretted it the rest of his life.  Sometimes mustachianism is about being able to do ridiculous things you wouldn't have otherwise had the option to do.

I would consider it for my dog if she would be 100%ok with full life expectancy. She's old and I've had her since she was a puppy. I don't think I'd do something like doggie chemo where she'd be unlikely to live a long, full life afterwards but a bone? Probably. I've spent ~1k on her in the past for procedures she needed.

+1  I had a dog that had a genetic condition(no family knowledge unfortunately), where its back vertrabrae swelled and caused it to go paralyzed in the back legs.  The surgery to repair was $5500, but the dog was 2 years old, and the vet said that we would be having to do the surgery every two years or so for its life.  So we opted to put her down.

Hardest decision that we have ever made for a pet, but finically, and the fact that the dog would have to endure several surgeries in its life, the best choice.

zephyr911

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Re: Overheard at Work
« Reply #7456 on: March 23, 2015, 09:03:35 AM »

I agree that it is important to take care of your animals, but $5,000?

If all it took was money for my dog to continue living a good life, I would definitely pay it.
When it comes to paying to extend what is no longer a happy life, then I would put the pet down.

But I would NEVER put down or get rid of a dog for something as fixable as an ACL.
Yeah, I'm pretty much with you there. My black lab suffered a complete ACL tear just after turning 5. He was otherwise healthy and I had raised him nearly from 6 weeks to be my only companion through some of the hardest times of my life. I agreed to a TPLO, estimated at $4k but fortunately not much over $3k in the end.
Four years later, he's turning 9, chasing the fuck out of squirrels, and generally acting like a puppy. He ran/walked at least 7 miles with me on Saturday without so much as a limp afterward. Would I do it again? Yep. I'd get a payday loan for that shit. There's money, and then there's love. <3 puppies.
When you consider that a lifetime of proper care and feeding can easily run $10-20k, something like this is easy to justify, as long as financial ruin doesn't result. The real problem is people not accounting for those lifetime costs and then giving up on their pets when life surprises them.

All that said... if he gets cancer when he's 10 or 12, the calculus is a little different and we may just make him comfortable and happy till the end. It's all about quality of life, and if it can't be helped, we'll just focus on minimal suffering.

antarestar

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Re: Overheard at Work
« Reply #7457 on: March 23, 2015, 11:03:23 AM »
I agree that it is important to take care of your animals, but $5,000? But what do I know? I think animals belong in the wild or producing something on a farm. Animals are an expensive hobby.

I have a friend who just spent that on his cat that disappeared and showed back up a week later dragging a shattered leg and had gashes on his back and stomache.  Definitely not a frugal choice but his cat is awesome and he loves him to death and it's one of those things where if he didn't do it he'd had to have put him down and would have regretted it the rest of his life.  Sometimes mustachianism is about being able to do ridiculous things you wouldn't have otherwise had the option to do.

 < --- asshole Cat did something similar. I was glad to have the money to pay cash for his surgeries, xrays, and paid to have him sedated for bandage changes each time.
He's my best friend and I was devastated that he was in pain.

GuitarStv

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Re: Overheard at Work
« Reply #7458 on: March 23, 2015, 11:51:37 AM »

I agree that it is important to take care of your animals, but $5,000?

If all it took was money for my dog to continue living a good life, I would definitely pay it.
When it comes to paying to extend what is no longer a happy life, then I would put the pet down.

But I would NEVER put down or get rid of a dog for something as fixable as an ACL.
Yeah, I'm pretty much with you there. My black lab suffered a complete ACL tear just after turning 5. He was otherwise healthy and I had raised him nearly from 6 weeks to be my only companion through some of the hardest times of my life. I agreed to a TPLO, estimated at $4k but fortunately not much over $3k in the end.
Four years later, he's turning 9, chasing the fuck out of squirrels, and generally acting like a puppy. He ran/walked at least 7 miles with me on Saturday without so much as a limp afterward. Would I do it again? Yep. I'd get a payday loan for that shit. There's money, and then there's love. <3 puppies.
When you consider that a lifetime of proper care and feeding can easily run $10-20k, something like this is easy to justify, as long as financial ruin doesn't result. The real problem is people not accounting for those lifetime costs and then giving up on their pets when life surprises them.

All that said... if he gets cancer when he's 10 or 12, the calculus is a little different and we may just make him comfortable and happy till the end. It's all about quality of life, and if it can't be helped, we'll just focus on minimal suffering.

My dog had tremendous pain opening her mouth, and nearly lost sight in one eye pretty much out of the blue this year.  I was pretty sure that we were going to lose her.  Between painkillers, antibiotics, tests, and some eventual surgery it ended up costing us about three grand.  She's good as new a few months later now.

Dogs are typically so happy.  A sick dog shivering in pain is the saddest thing in the world.  Money to make things better for them is well spent.

trailrated

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Re: Overheard at Work
« Reply #7459 on: March 23, 2015, 01:06:25 PM »
UPDATE FROM THIS POST:

Quote
Co-worker I have mentioned in posts before had a new gem yesterday. Guy went from flipping burgers getting minimum wage to making ~$45,000 (no rent, lives with his grandmother) and has 2 credit cards maxed out. He tried to buy a motorcycle the other weekend but he was denied due to his credit score which he said was around 560.

Anyways I get a call in the office from Kay Jewelers, asking for employment verification for said individual. He wanted.... no, his girlfriend wanted him to buy an engagement ring for her. He didn't have the money, his cards were maxed out, so he took out and was approved for a loan from the store for $4,000 at 24% interest.

He is making more money than he ever has in his life, he is not paying rent, and his net worth just keeps going further in the red. Also he cheated on the girlfriend he got the ring for a few months ago... needless to say I am pretty sure this is headed for disaster.

He proposed about a week and a half ago. Found out three days ago she is still fucking some other dude. True love <3

Elliot

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Re: Overheard at Work
« Reply #7460 on: March 23, 2015, 01:56:17 PM »
Yeah but did the other dude get her the bigger ring?

gimp

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Re: Overheard at Work
« Reply #7461 on: March 23, 2015, 03:56:23 PM »
No, but he put something in her ring!

But in seriousness, hope the guy can return the thing and get his $4k back. Suuuuuuuuuuuucks.

trailrated

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Re: Overheard at Work
« Reply #7462 on: March 23, 2015, 04:46:31 PM »
No, but he put something in her ring!

But in seriousness, hope the guy can return the thing and get his $4k back. Suuuuuuuuuuuucks.

That made me laugh my ass off, thank you. And updates to follow as they come in.

okonumiyaki

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Re: Overheard at Work
« Reply #7463 on: March 23, 2015, 06:56:13 PM »


He proposed about a week and a half ago. Found out three days ago she is still fucking some other dude. True love <3

Reminds me of the scene from "Four Weddings & A Funeral"

How's your gorgeous girlfriend?

- She's no longer my girlfriend.               

Ah, dear. I wouldn't get too gloomy about it.  Rumour has it she never stopped bonking Toby de Lisle in case you didn't work out.
                 
 - She is now my wife.
               
Excellent. Congratulations.  Excuse me.

zephyr911

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Re: Overheard at Work
« Reply #7464 on: March 24, 2015, 12:10:11 PM »
UPDATE FROM THIS POST:

Quote
Co-worker I have mentioned in posts before had a new gem yesterday. Guy went from flipping burgers getting minimum wage to making ~$45,000 (no rent, lives with his grandmother) and has 2 credit cards maxed out. He tried to buy a motorcycle the other weekend but he was denied due to his credit score which he said was around 560.

Anyways I get a call in the office from Kay Jewelers, asking for employment verification for said individual. He wanted.... no, his girlfriend wanted him to buy an engagement ring for her. He didn't have the money, his cards were maxed out, so he took out and was approved for a loan from the store for $4,000 at 24% interest.

He is making more money than he ever has in his life, he is not paying rent, and his net worth just keeps going further in the red. Also he cheated on the girlfriend he got the ring for a few months ago... needless to say I am pretty sure this is headed for disaster.

He proposed about a week and a half ago. Found out three days ago she is still fucking some other dude. True love <3
In This Thread: Assholes Who Fucking Deserve Each Other.
Good gawd.

Rosewhipped

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Re: Overheard at Work
« Reply #7465 on: March 24, 2015, 08:56:10 PM »
Woman at work gets her hair cut at the mall salon and it costs $27 just for the cut, probably a wash too.  She shocked me when she said it's "like $50 bucks every time because I have to tip her $20."

This blew me away--over 70% tip!! Wow.  I tried to share my shock with both my sister and another co-worker and they were both unimpressed and essentially said that they also tip their hairdressers well.... 

Elliot

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Re: Overheard at Work
« Reply #7466 on: March 24, 2015, 09:03:30 PM »
I would probably tip 50%. A good hairdresser can be a thing of beauty if you can find and afford it, but there's also a reason my partner and I cut each orher's hair.

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Re: Overheard at Work
« Reply #7467 on: March 24, 2015, 10:07:47 PM »
I would probably tip 50%. A good hairdresser can be a thing of beauty if you can find and afford it, but there's also a reason my partner and I cut each orher's hair.

Am I a terrible person for not routinely tipping my hairdresser?  She is self-employed with her own salon, so I figure she should set her rates to whatever she thinks her work is worth.  Sometimes I tip if I'm a pain in the ass to schedule, or she changes the style or something, but regular cut, no.

Wings5

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Re: Overheard at Work
« Reply #7468 on: March 24, 2015, 10:36:28 PM »
My boys need to read this. They never tip! Cheapskate kindergarteners! I'm going to start buzzing smiley faces in the back of their heads.

RunHappy

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Re: Overheard at Work
« Reply #7469 on: March 25, 2015, 06:26:00 AM »
I would probably tip 50%. A good hairdresser can be a thing of beauty if you can find and afford it, but there's also a reason my partner and I cut each orher's hair.

Am I a terrible person for not routinely tipping my hairdresser?  She is self-employed with her own salon, so I figure she should set her rates to whatever she thinks her work is worth.  Sometimes I tip if I'm a pain in the ass to schedule, or she changes the style or something, but regular cut, no.

Rule of thumb is that if the stylist if the owner then tipping is not necessary.  If they are renting a station then tipping is customary.  The percentage depends on the geographical, type of cut, how long it took, etc.  I only get cuts a couple times a year (if even that), so I tend to tip about 25%.  I also do not color or otherwise treat my hair.  my friend says that if you are getting more done, because it is more labor intensive then the tipping percentage goes up but should not exceed 50%.  50% would only for something absolutely amazing and unique (maybe a bridal updo). 

Giro

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Re: Overheard at Work
« Reply #7470 on: March 25, 2015, 06:42:14 AM »
I have to jump in just to comment on the hair salon tipping.  I used to be a total cheapskate with my stylist tip amounts.  I found an amazing stylist and the first time she did my hair, I tipped her like 50%.  It is just a cut and style.  The next time I went their she gave me 50% off my cut, so I tipped her big again.  She has since NEVER charged me full price for a cut and style.  It turned out actually saving me money by tipping largely.

1st visit - $30 cut and $15 tip = $45
2nd visit - $15 cut and $15 tip = $30
3rd and all visitis since - $10 cut and $15 tip = $25

she is making the same and I'm paying less.  WIN/WIN

dragoncar

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Re: Overheard at Work
« Reply #7471 on: March 25, 2015, 07:05:55 AM »
I have to jump in just to comment on the hair salon tipping.  I used to be a total cheapskate with my stylist tip amounts.  I found an amazing stylist and the first time she did my hair, I tipped her like 50%.  It is just a cut and style.  The next time I went their she gave me 50% off my cut, so I tipped her big again.  She has since NEVER charged me full price for a cut and style.  It turned out actually saving me money by tipping largely.

1st visit - $30 cut and $15 tip = $45
2nd visit - $15 cut and $15 tip = $30
3rd and all visitis since - $10 cut and $15 tip = $25

she is making the same and I'm paying less.  WIN/WIN

Looks like she is making less

Giro

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Re: Overheard at Work
« Reply #7472 on: March 25, 2015, 07:12:36 AM »
I have to jump in just to comment on the hair salon tipping.  I used to be a total cheapskate with my stylist tip amounts.  I found an amazing stylist and the first time she did my hair, I tipped her like 50%.  It is just a cut and style.  The next time I went their she gave me 50% off my cut, so I tipped her big again.  She has since NEVER charged me full price for a cut and style.  It turned out actually saving me money by tipping largely.

1st visit - $30 cut and $15 tip = $45
2nd visit - $15 cut and $15 tip = $30
3rd and all visitis since - $10 cut and $15 tip = $25

she is making the same and I'm paying less.  WIN/WIN

Looks like she is making less

Useful bit of info that I inadvertently left off....she's paid hourly and gets to keep tips.  The salon keeps the $$ from the cuts.


GuitarStv

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Re: Overheard at Work
« Reply #7473 on: March 25, 2015, 08:39:14 AM »
I prefer to trade sexual favours rather than cash for a hair cut.  This works best if your wife is cutting your hair though. . .




*insert joke about 'the tip' here*

frugalnacho

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Re: Overheard at Work
« Reply #7474 on: March 25, 2015, 09:06:31 AM »
and that is why steve is perma banned from borics.

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Re: Overheard at Work
« Reply #7475 on: March 25, 2015, 09:09:31 AM »
People at work were talking about budgeting. Some people had sound advice, some people felt like they could barely make ends meet (on 80k in a semi-rural area???!!!).

I said "we just use the 'don't buy shit we don't need' method".

One of my coworkers said "Man, if I could only get my husband to agree with that, we would probably be really well off."

frugalnacho

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Re: Overheard at Work
« Reply #7476 on: March 25, 2015, 09:11:45 AM »
All this haircut talk reminds me of an snl I watched on netflix recently.  Seth meyers was doing the weekend update...



Quote
Forbes released their annual list of the 400 richest Americans, with Bill Gates at the top of the list with $59 billion. Man, it really is amazing how much money you can save when you cut your own hair!

My wife cuts my hair.  She didn't want to, until I made a spread sheet and showed her how much money we could save if she just buzzed my hair every couple months, and then she was convinced.   We had a good laugh at that joke.

merula

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Re: Overheard at Work
« Reply #7477 on: March 25, 2015, 11:00:11 AM »
Another gem from the woman who brought you "I need a three bedroom house for me and my dog".

Speaking to a woman who just got back from maternity leave: "You and [husband] aren't trying to be all domesticated and trying to make your own baby food, are you?"

Response: "Hell no! Do you know who you're talking to?!" [i.e. woman who doesn't eat anything that isn't packaged]

Followed by a discussion of how packaged baby food is better than homemade because babies can digest it more easily.

zephyr911

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Re: Overheard at Work
« Reply #7478 on: March 25, 2015, 11:20:21 AM »
Another gem from the woman who brought you "I need a three bedroom house for me and my dog".

Speaking to a woman who just got back from maternity leave: "You and [husband] aren't trying to be all domesticated and trying to make your own baby food, are you?"

Response: "Hell no! Do you know who you're talking to?!" [i.e. woman who doesn't eat anything that isn't packaged]

Followed by a discussion of how packaged baby food is better than homemade because babies can digest it more easily.
Oh, ye gads.
Heavens, no.
Anything but "domesticated".

Giro

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Re: Overheard at Work
« Reply #7479 on: March 25, 2015, 12:12:51 PM »
I have to jump in just to comment on the hair salon tipping.  I used to be a total cheapskate with my stylist tip amounts.  I found an amazing stylist and the first time she did my hair, I tipped her like 50%.  It is just a cut and style.  The next time I went their she gave me 50% off my cut, so I tipped her big again.  She has since NEVER charged me full price for a cut and style.  It turned out actually saving me money by tipping largely.

1st visit - $30 cut and $15 tip = $45
2nd visit - $15 cut and $15 tip = $30
3rd and all visitis since - $10 cut and $15 tip = $25

she is making the same and I'm paying less.  WIN/WIN

Looks like she is making less

Useful bit of info that I inadvertently left off....she's paid hourly and gets to keep tips.  The salon keeps the $$ from the cuts.
Now it just sounds like tax evasion. :p

Why would this imply tax evasion?  I write the tip on my credit card slip and just like every other tipping job, she would have to claim her tips as income. 


dragoncar

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Re: Overheard at Work
« Reply #7480 on: March 25, 2015, 12:51:49 PM »
I have to jump in just to comment on the hair salon tipping.  I used to be a total cheapskate with my stylist tip amounts.  I found an amazing stylist and the first time she did my hair, I tipped her like 50%.  It is just a cut and style.  The next time I went their she gave me 50% off my cut, so I tipped her big again.  She has since NEVER charged me full price for a cut and style.  It turned out actually saving me money by tipping largely.

1st visit - $30 cut and $15 tip = $45
2nd visit - $15 cut and $15 tip = $30
3rd and all visitis since - $10 cut and $15 tip = $25

she is making the same and I'm paying less.  WIN/WIN

Looks like she is making less

Useful bit of info that I inadvertently left off....she's paid hourly and gets to keep tips.  The salon keeps the $$ from the cuts.
Now it just sounds like tax evasion. :p

Why would this imply tax evasion?  I write the tip on my credit card slip and just like every other tipping job, she would have to claim her tips as income.

If anything, it's skimming.  Presumably, she owes $30 to the salon for every cut (you said the salon keeps the money from the cuts).  So why would they allow her to arbitrarily lower the price to $15?  Unless they have a really lax arrangement, I'd say she's screwing the salon and pocketing the difference.

Travis

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Re: Overheard at Work
« Reply #7481 on: March 25, 2015, 01:05:04 PM »
Another gem from the woman who brought you "I need a three bedroom house for me and my dog".

Speaking to a woman who just got back from maternity leave: "You and [husband] aren't trying to be all domesticated and trying to make your own baby food, are you?"

Response: "Hell no! Do you know who you're talking to?!" [i.e. woman who doesn't eat anything that isn't packaged]

Followed by a discussion of how packaged baby food is better than homemade because babies can digest it more easily.
Oh, ye gads.
Heavens, no.
Anything but "domesticated".

How did the human species ever get by before Gerber?

Melchior

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Re: Overheard at Work
« Reply #7482 on: March 25, 2015, 01:16:15 PM »
How did the human species ever get by before Gerber?

We've come so far since our species' domestication.

dsmexpat

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Re: Overheard at Work
« Reply #7483 on: March 25, 2015, 01:23:38 PM »
My colleagues are paid only in commission on sales and are exposed to potential chargebacks if there are early cancellations. Naturally their pay varies from week to week with outlying weeks where they make a fortune and others where they're left owing. My response to that scenario would be to work out roughly what I make on average and then bank the good weeks to cover for the bad. The strategy chiefly employed here seems to be to splurge and treat yourself (and others who are having bad weeks) to lunches, presents and general consumables when you make a good cheque ("If I could make these every time they my annual takehome would be.... hold on... wow I don't even have that many fingers, a very high number. Better increase my spending to compensate.") and to rely on colleagues and request that I manipulate forwards chargebacks into future pay periods on the bad weeks.

Not hating, my colleagues are all lovely, but after the first few times you would think they'd learn to anticipate this happening. I help them out by manipulating payroll dates as much as I can, with their consent of course, but unless I started withholding and rationing their pay there is only so much I can do.

Oh, and my favourite quote after an appointment with a potential client decided to cancel.

"Better that he cancels on you now than having him fund and taking the chance that he cancels after you've already spent the commission"

That's right, it's better to not get paid than to get paid with a chance that you'll have to pay it back because obviously you'll have spent that money by then.
« Last Edit: March 25, 2015, 01:30:54 PM by dsmexpat »

Torran

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Re: Overheard at Work
« Reply #7484 on: March 26, 2015, 10:48:49 AM »
Our office is held hostage to the eternal round of birthday/leaving presents. It feels like every second week we all have to chip in to pay for an extravagant present for someone.

The latest one was a birthday - I contributed a fiver, assuming most people contributed at least the same, they would have raised over 100 for the present.

The ladies in charge of the kitty went ahead and spent it all on a designer bracelet.

I mean, I'm sure the colleague loves her birthday bracelet.

But that was a very efficient way to collect and then waste 100. ARRGH. If only I was brave enough to call bullshit on this whole thing!!

vivophoenix

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Re: Overheard at Work
« Reply #7485 on: March 26, 2015, 11:02:08 AM »
Our office is held hostage to the eternal round of birthday/leaving presents. It feels like every second week we all have to chip in to pay for an extravagant present for someone.

The latest one was a birthday - I contributed a fiver, assuming most people contributed at least the same, they would have raised over 100 for the present.

The ladies in charge of the kitty went ahead and spent it all on a designer bracelet.

I mean, I'm sure the colleague loves her birthday bracelet.

But that was a very efficient way to collect and then waste 100. ARRGH. If only I was brave enough to call bullshit on this whole thing!!

i find it strange when people give money away, then gripe about how it was spent.

so do you only support certain gifts, or is it the amount?

so you have two options stop giving money and buy something yourself. or just stop giving money.

zataks

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Re: Overheard at Work
« Reply #7486 on: March 26, 2015, 11:07:03 AM »
Got one that finally isn't poking fun at people (I always feel bad for the way so many of my CWs spend!)

CW: You and your wife must be saving tons every month!  You can't buy an Xbox without feeling bad!
Me: I didn't feel THAT bad about buying my PS4.
CW: Seriously, I hope you just buy something totally awesome and don't say anything and show up one day with it.
Me: I'm just going to never come to work again!
CW: !! Well, just call me and let me know.

Really wanted to say I'm buying my freedom everyday worked but didn't want to have to explain that one.

dividendman

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Re: Overheard at Work
« Reply #7487 on: March 26, 2015, 11:18:06 AM »
Our office is held hostage to the eternal round of birthday/leaving presents. It feels like every second week we all have to chip in to pay for an extravagant present for someone.

The latest one was a birthday - I contributed a fiver, assuming most people contributed at least the same, they would have raised over 100 for the present.

The ladies in charge of the kitty went ahead and spent it all on a designer bracelet.

I mean, I'm sure the colleague loves her birthday bracelet.

But that was a very efficient way to collect and then waste 100. ARRGH. If only I was brave enough to call bullshit on this whole thing!!

i find it strange when people give money away, then gripe about how it was spent.

so do you only support certain gifts, or is it the amount?

so you have two options stop giving money and buy something yourself. or just stop giving money.

Office gifts are the most annoying thing ever. People know enough not to ask me now. I actually don't even go to the stupid little "celebrations" where there is cake and crap so I'm not seen to be mooching or anything, even if it's company sponsored.

The worst part is that it's not like anyone here are paid very low and giving them a gift could really help them out. We all make > 100k a year. If anyone wants anything they already go and buy it! These people just add useless crap on top.

My go-to line when someone asks is "Oh, can they not afford item X?" then hilarity/awkwardness ensues.

Torran

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Re: Overheard at Work
« Reply #7488 on: March 26, 2015, 12:59:15 PM »
Our office is held hostage to the eternal round of birthday/leaving presents. It feels like every second week we all have to chip in to pay for an extravagant present for someone.

The latest one was a birthday - I contributed a fiver, assuming most people contributed at least the same, they would have raised over 100 for the present.

The ladies in charge of the kitty went ahead and spent it all on a designer bracelet.

I mean, I'm sure the colleague loves her birthday bracelet.

But that was a very efficient way to collect and then waste 100. ARRGH. If only I was brave enough to call bullshit on this whole thing!!

i find it strange when people give money away, then gripe about how it was spent.

so do you only support certain gifts, or is it the amount?

so you have two options stop giving money and buy something yourself. or just stop giving money.

Yeah, well that's why I said at the end that it's my fault really for not being brave enough to call bullshit on this whole thing. I.e I know it's a load of rubbish but damn, rather than standing up to them I still give them money.

infogoon

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Re: Overheard at Work
« Reply #7489 on: March 26, 2015, 01:54:54 PM »
"I count on our bonus to pay off the credit card bills I rack up the rest of the year."

Uh, bonuses aren't guaranteed. That's probably not a great plan.

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Re: Overheard at Work
« Reply #7490 on: March 26, 2015, 04:22:38 PM »
Almost had a nervous breakdown when I heard "I just need to work for 10 more years so that we can count on the maximum amount of social security." I can't imagine working this job for 20 years without wanting to crack my skull open on a cubicle.

catmustache

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Re: Overheard at Work
« Reply #7491 on: March 26, 2015, 04:34:45 PM »
To clarify, this was immediately after a conversation about how much the job itself was terrible.

dycker1978

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Re: Overheard at Work
« Reply #7492 on: March 27, 2015, 08:40:16 AM »
Not my work, but a story that my So shared about her workplace last night.

There is a gentleman, that is in charge of the business finances, and has a finance degree.  I know, I know enough said right...

Finance guy - Well, there is no point in saving for retirement, it is just a waste of money.
SO - Oh?  How do you propose to quite working, and enjoy your life some day?
Finance guy - Well, that is what the government is for.  They will take care of me when I get older and need to be taken care of.
SO, to me - this is the guy that is supposed to be making sure the business I work at is finically viable... maybe I need to speed up FIRE.

In Canada max CPP is $1065/month
                        Old age security max - $565

That is $1630 a month.

This guy rents a condo, average rent for a two bedroom condo in Regina is(according to goolge) - $1564 - I could not find rates on a three bedroom, which is what he has.

Total savings = 0...   Good luck.

zephyr911

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Re: Overheard at Work
« Reply #7493 on: March 27, 2015, 09:20:43 AM »
Not my work, but a story that my So shared about her workplace last night.

There is a gentleman, that is in charge of the business finances, and has a finance degree.  I know, I know enough said right...

Finance guy - Well, there is no point in saving for retirement, it is just a waste of money.
SO - Oh?  How do you propose to quite working, and enjoy your life some day?
Finance guy - Well, that is what the government is for.  They will take care of me when I get older and need to be taken care of.
SO, to me - this is the guy that is supposed to be making sure the business I work at is finically viable... maybe I need to speed up FIRE.

In Canada max CPP is $1065/month
                        Old age security max - $565

That is $1630 a month.

This guy rents a condo, average rent for a two bedroom condo in Regina is(according to goolge) - $1564 - I could not find rates on a three bedroom, which is what he has.

Total savings = 0...   Good luck.
Can anyone here tell me what the fuck they actually teach in finance classes? Aside from like, fucking math, which I would assume people already know?
All these anecdotes in the AMWOSAC about financially retarded financial advisors are giving me a really distorted view of things. I'd hate to think the only skill imparted by the degree is fleecing people of their hard-earned cash by sounding smart with obscure fiscal jargon, so you can do even dumber shit with that money after stealing it.

Sibley

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Re: Overheard at Work
« Reply #7494 on: March 27, 2015, 10:08:00 AM »
Not my work, but a story that my So shared about her workplace last night.

There is a gentleman, that is in charge of the business finances, and has a finance degree.  I know, I know enough said right...

Finance guy - Well, there is no point in saving for retirement, it is just a waste of money.
SO - Oh?  How do you propose to quite working, and enjoy your life some day?
Finance guy - Well, that is what the government is for.  They will take care of me when I get older and need to be taken care of.
SO, to me - this is the guy that is supposed to be making sure the business I work at is finically viable... maybe I need to speed up FIRE.

In Canada max CPP is $1065/month
                        Old age security max - $565

That is $1630 a month.

This guy rents a condo, average rent for a two bedroom condo in Regina is(according to goolge) - $1564 - I could not find rates on a three bedroom, which is what he has.

Total savings = 0...   Good luck.
Can anyone here tell me what the fuck they actually teach in finance classes? Aside from like, fucking math, which I would assume people already know?
All these anecdotes in the AMWOSAC about financially retarded financial advisors are giving me a really distorted view of things. I'd hate to think the only skill imparted by the degree is fleecing people of their hard-earned cash by sounding smart with obscure fiscal jargon, so you can do even dumber shit with that money after stealing it.

I was an accounting major and took a couple of finance classes. They didn't cover things like personal finance.

RyanAtTanagra

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Re: Overheard at Work
« Reply #7495 on: March 27, 2015, 10:17:51 AM »
Can anyone here tell me what the fuck they actually teach in finance classes?

Have an accounting degree, not finance, but we did have to take some finance classes.  All we learned was how to read financial statements of a company and what the different ratios mean like Current Ratio and Dividend Yield.  Unfortunately not much of it translated directly into personal finance, or at least the correlations were never discussed, as that wasn't the point of the classes.

Middlesbrough

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Re: Overheard at Work
« Reply #7496 on: March 27, 2015, 10:29:41 AM »
Not my work, but a story that my So shared about her workplace last night.

There is a gentleman, that is in charge of the business finances, and has a finance degree.  I know, I know enough said right...

Finance guy - Well, there is no point in saving for retirement, it is just a waste of money.
SO - Oh?  How do you propose to quite working, and enjoy your life some day?
Finance guy - Well, that is what the government is for.  They will take care of me when I get older and need to be taken care of.
SO, to me - this is the guy that is supposed to be making sure the business I work at is finically viable... maybe I need to speed up FIRE.

In Canada max CPP is $1065/month
                        Old age security max - $565

That is $1630 a month.

This guy rents a condo, average rent for a two bedroom condo in Regina is(according to goolge) - $1564 - I could not find rates on a three bedroom, which is what he has.

Total savings = 0...   Good luck.
Can anyone here tell me what the fuck they actually teach in finance classes? Aside from like, fucking math, which I would assume people already know?
All these anecdotes in the AMWOSAC about financially retarded financial advisors are giving me a really distorted view of things. I'd hate to think the only skill imparted by the degree is fleecing people of their hard-earned cash by sounding smart with obscure fiscal jargon, so you can do even dumber shit with that money after stealing it.

I was an accounting major and took a couple of finance classes. They didn't cover things like personal finance.
Anecdotal evidence seems to be showing this...

Luck12

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Re: Overheard at Work
« Reply #7497 on: March 27, 2015, 10:45:52 AM »
All these anecdotes in the AMWOSAC about financially retarded financial advisors are giving me a really distorted view of things. I'd hate to think the only skill imparted by the degree is fleecing people of their hard-earned cash by sounding smart with obscure fiscal jargon, so you can do even dumber shit with that money after stealing it.

Not distorted, but the truth.  I majored in mathematical finance and I would say a good 80% of people in my program are outright assholes and wouldn't think twice about fleecing money from clients.    I of course was in the 20% :) 

zephyr911

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Re: Overheard at Work
« Reply #7498 on: March 27, 2015, 11:04:33 AM »
Can anyone here tell me what the fuck they actually teach in finance classes?

Have an accounting degree, not finance, but we did have to take some finance classes.  All we learned was how to read financial statements of a company and what the different ratios mean like Current Ratio and Dividend Yield.  Unfortunately not much of it translated directly into personal finance, or at least the correlations were never discussed, as that wasn't the point of the classes.
It seems like the correlation should be pretty self-evident, though. If you're trained to analyze the effectiveness of a business in terms of its cash flow and current holdings, it can't be that much of a leap to look at your own accounts and optimize the results. It's like when I studied physics and realized its applications in sports, driving cars, building houses, you name it - it just came naturally.

I get that business finance != personal finance, but it's weird to me that people with no financial training of any kind would do better than trained advisors. Look at me - I'm not even a good Mustachian - my list of ongoing dumb shit is too long to post - but I will probably achieve FIRE a decade from my personal ground zero, and that's counting three years of half-assed floundering where I nearly bottomed out again. And I know nothing beyond what I've read on the internet and figured out from trial and error.

Eh, I dunno. I guess it may be less about knowledge and more about orientation/motivation. If they assume they can earn six figures for as long as they want, it may just seem that none of this stuff we do is important enough to be worth a thought, let alone actual effort.

Candace

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Re: Overheard at Work
« Reply #7499 on: March 27, 2015, 12:48:32 PM »
A long time ago I worked at a startup company with a pretty decent percentage of smart people. Oddly, the company paid us on the final day of a two week pay period, instead of two weeks later, which was the standard at the time. That was weird because they had to get the paychecks ready before they actually knew if we had worked the whole two weeks.

At some point, the company wanted to switch from paying people on the final day of the same pay period to paying two weeks later. Management realized this would cause a two-week gap in peoples' cash flow, so they decided to extend everyone an interest-free loan in the amount of one paycheck, that they would receive when they would normally have received their paycheck on the day we'd be missing one. The loan wouldn't have to be paid back until the employee left the company. Sort of a replacement paycheck that you could keep until you left. Before the change, if someone left, they immediately stopped getting paid at the end of the current period. After the change, they'd still get one more paycheck after the current period ended.

So the company was basically making the change smooth and transparent to the employees while giving them a slightly nicely advantaged chunk of money to use at no cost for as long as they stayed employed there.

Whoa. You should have seen peoples' reactions. Several people just could not understand what was going on, and although this company treated us all very well (there were only seventeen of us and we all knew each other), they had a knee-jerk reaction of distrust. I remember sitting in a conference room with everyone, exasperated with how silly some people were being and trying to keep my mouth shut. Even after examples were laid out in front of them showing that "before" and "after" were equivalent, they insisted that the owner was trying to short them somehow. I was in my mid-20's. That was a big lesson for me in how arithmetic-challenged many people are.