Author Topic: Overheard at Work  (Read 8268009 times)

mbk

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Re: Overheard at Work
« Reply #16650 on: February 01, 2017, 11:29:01 AM »
What is with teachers and poor financials decisions? My wife subs at a local school and the tales she tells of her fellow teachers are horrendous. They all have access to 403b, 457b in addition to pensions, but I suspect hardly anyone contributes because most of them live paycheck to paycheck.

MgoSam

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Re: Overheard at Work
« Reply #16651 on: February 01, 2017, 12:00:12 PM »
Not all teachers are like that as arebelspy will undoubtedly tell you, but yeah most of the teachers I know aren't the best with money.

arebelspy

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Re: Overheard at Work
« Reply #16652 on: February 01, 2017, 12:06:00 PM »
Oh yeah, I've posted several stories about teachers being terrible with money.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

Chris22

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Re: Overheard at Work
« Reply #16653 on: February 01, 2017, 12:55:35 PM »
A coworker just replaced her customized fairly late model Ford Expedition with an even larger newer Ford Excursion... And the big project she's working on here is about to end with no other comparable projects on the horizon. Eeeeeppp!

The Ford Excursion hasn't been built since 2005, so unless she replaced a 2000 with a 2005 or something, I think you're mistaken.

Freedom Invested

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Re: Overheard at Work
« Reply #16654 on: February 02, 2017, 10:45:55 AM »
So I recently started a new job and befriended one of our directors.

He mentions that he has a Corvette and I say like them but I cannot justify buying one so early in my career when it's better to invest the money; I'll probably never buy one because I'll like the big investment accounts later on. He says he can get a good deal on one for me due to some connection he has, but I decline. Later I learn he is leasing his...

Around the office park I work I see a lot of people in Corvettes, Porches, the rare Lamborghini, or even a Bugatti one time. I wonder how many are leased. Okay.. maybe not the Bugatti - 24k a month or more... sheesh. Sure, I admit I like cars, but not enough to be unable to quit in my 50s or beyond.

He also says he's buying a home closer to work, but far more expensive because it needed to have all the renovations done. Good guy, but it's sad really.

jslasher88

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Re: Overheard at Work
« Reply #16655 on: February 02, 2017, 11:11:15 AM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

Freedom Invested

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Re: Overheard at Work
« Reply #16656 on: February 02, 2017, 11:23:40 AM »
Then there was a guy at another job saying a million dollars would last him 10 years because he'd spend 100k a year. No thought to investment returns, so it makes me doubt he invests much. This was a dude that paid a service to deliver clothing on a monthly basis based on his preferences, eat out every day, and buy expensive electronics.

Another cool guy, but what happens if he loses his job later in life and struggles to find a job because companies might want to hire less experienced folks?

I've got tons of these if you want to hear more and I love this thread! It's not crazy to want to get out of the rat race - it's crazy to stay in due to poor financial habits.

MishMash

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Re: Overheard at Work
« Reply #16657 on: February 02, 2017, 12:10:41 PM »
I was out the first part of January and just sent in my request last week to have 100% of my pay go into my 401k (no match here so no need to drag it out).  I've been doing this for years but someone else is handling the payroll this year.   

I just got an hour and a half lecture about how this wasn't "smart" and that I could end up in financial ruin, and that he didn't want to do it for me, what if I have surprise bills to pay etc.   Tons of stories about how he tried to up his contributions to 15% a few times and ended up having to borrow on credit cards when their "eating out" wasn't in check or "the car broke down"

I repeatedly said I'm fine, I have an emergency fund for that, we have excellent health insurance through my husband. This dude was in full. on. panic. mode.  And I appreciate someone cared enough to ask but come on! 

They made me sign a waiver saying that I had been given "professional advice" that this was not a good idea and that I waived the company from any responsibility when (not if, when) I require payment on short notice if they cannot accommodate a shifting of funds that quickly.  The last guy in this role needed like 24 hour notice, to switch on or off contributions so I don't know what he deems short notice.

My boss was laughing her ass off when I got out (their offices are next to one another and he was almost screaming)  She knows I'm FI, her and her husband have similar goals.

JordanOfGilead

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Re: Overheard at Work
« Reply #16658 on: February 02, 2017, 12:15:27 PM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.
My office has the same thing. I make much more than $15/hr and it costs $1/week and I STILL don't do it, because it's not worth $5 a month for me to dress slightly more casually. Don't feel bad. Haters gonna hate.

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Re: Overheard at Work
« Reply #16659 on: February 02, 2017, 12:22:50 PM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

It depends what the charity is. (My last workplace supported a charity that provided funds to an organization I fundamentally disagreed with.  I ruined many "get a pizza party with 100% participation" days. One year someone donated in my name to get the party.)

But I also like to get the right off for my charitable contributions, rather than work getting them.

MandalayVA

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Re: Overheard at Work
« Reply #16660 on: February 02, 2017, 12:26:16 PM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot of heat.

...

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

There is nothing more uncomfortable than sitting at a desk for hours at a time wearing jeans.

jordanread

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Re: Overheard at Work
« Reply #16661 on: February 02, 2017, 12:30:55 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing jeans pants.

FTFY.

JAYSLOL

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Re: Overheard at Work
« Reply #16662 on: February 02, 2017, 12:45:15 PM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

Unless I really liked the charity, i would skip it too.  If i did like it, that amount would come out of what i give elsewhere.  $20-25/month really does add up.  I try not to be cheap, and I do give to charities that i like, but i can't go around handing out money for everything. 

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Re: Overheard at Work
« Reply #16663 on: February 02, 2017, 12:50:46 PM »
I am surprised at the dislike for pensions. I have one that pays 20k/year after only working 15 years and my DH gets the same amount after working 11 years. He made more $ then me. I agree that in addition people need to save $. As soon as I started with the state I contributed to deferred compensation and were surprised that some long term employees did not. I tried to explain what they were missing out on but they would say they could not afford it.

Car Jack

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Re: Overheard at Work
« Reply #16664 on: February 02, 2017, 12:58:42 PM »
I was out the first part of January and just sent in my request last week to have 100% of my pay go into my 401k (no match here so no need to drag it out).  I've been doing this for years but someone else is handling the payroll this year.   

I just got an hour and a half lecture about how this wasn't "smart" and that I could end up in financial ruin, and that he didn't want to do it for me, what if I have surprise bills to pay etc.   Tons of stories about how he tried to up his contributions to 15% a few times and ended up having to borrow on credit cards when their "eating out" wasn't in check or "the car broke down"

I repeatedly said I'm fine, I have an emergency fund for that, we have excellent health insurance through my husband. This dude was in full. on. panic. mode.  And I appreciate someone cared enough to ask but come on! 

They made me sign a waiver saying that I had been given "professional advice" that this was not a good idea and that I waived the company from any responsibility when (not if, when) I require payment on short notice if they cannot accommodate a shifting of funds that quickly.  The last guy in this role needed like 24 hour notice, to switch on or off contributions so I don't know what he deems short notice.

My boss was laughing her ass off when I got out (their offices are next to one another and he was almost screaming)  She knows I'm FI, her and her husband have similar goals.

Ah, the advantages of having Fidelity as a 401k provider.  If I want to change my contributions to 100%, I go online, type in 100.  Hit the submit button and in 2 weeks, it's 100%.  None of this sillyness of talking to clowns.

JordanOfGilead

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Re: Overheard at Work
« Reply #16665 on: February 02, 2017, 01:10:50 PM »
I was out the first part of January and just sent in my request last week to have 100% of my pay go into my 401k (no match here so no need to drag it out).  I've been doing this for years but someone else is handling the payroll this year.   

I just got an hour and a half lecture about how this wasn't "smart" and that I could end up in financial ruin, and that he didn't want to do it for me, what if I have surprise bills to pay etc.   Tons of stories about how he tried to up his contributions to 15% a few times and ended up having to borrow on credit cards when their "eating out" wasn't in check or "the car broke down"

I repeatedly said I'm fine, I have an emergency fund for that, we have excellent health insurance through my husband. This dude was in full. on. panic. mode.  And I appreciate someone cared enough to ask but come on! 

They made me sign a waiver saying that I had been given "professional advice" that this was not a good idea and that I waived the company from any responsibility when (not if, when) I require payment on short notice if they cannot accommodate a shifting of funds that quickly.  The last guy in this role needed like 24 hour notice, to switch on or off contributions so I don't know what he deems short notice.

My boss was laughing her ass off when I got out (their offices are next to one another and he was almost screaming)  She knows I'm FI, her and her husband have similar goals.

Ah, the advantages of having Fidelity as a 401k provider.  If I want to change my contributions to 100%, I go online, type in 100.  Hit the submit button and in 2 weeks, it's 100%.  None of this sillyness of talking to clowns.
Some employers put a cap on your maximum contribution without signing a waiver though. My company's is 60%. Anything above that and it has to go through HR first.

boarder42

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Re: Overheard at Work
« Reply #16666 on: February 02, 2017, 01:19:39 PM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

It depends what the charity is. (My last workplace supported a charity that provided funds to an organization I fundamentally disagreed with.  I ruined many "get a pizza party with 100% participation" days. One year someone donated in my name to get the party.)

But I also like to get the right off for my charitable contributions, rather than work getting them.

why would work get it when i donate i get it.

Frizhand

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Re: Overheard at Work
« Reply #16667 on: February 02, 2017, 01:28:13 PM »
I was out the first part of January and just sent in my request last week to have 100% of my pay go into my 401k (no match here so no need to drag it out).  I've been doing this for years but someone else is handling the payroll this year.   

I just got an hour and a half lecture about how this wasn't "smart" and that I could end up in financial ruin, and that he didn't want to do it for me, what if I have surprise bills to pay etc.   Tons of stories about how he tried to up his contributions to 15% a few times and ended up having to borrow on credit cards when their "eating out" wasn't in check or "the car broke down"

I repeatedly said I'm fine, I have an emergency fund for that, we have excellent health insurance through my husband. This dude was in full. on. panic. mode.  And I appreciate someone cared enough to ask but come on! 

They made me sign a waiver saying that I had been given "professional advice" that this was not a good idea and that I waived the company from any responsibility when (not if, when) I require payment on short notice if they cannot accommodate a shifting of funds that quickly.  The last guy in this role needed like 24 hour notice, to switch on or off contributions so I don't know what he deems short notice.

My boss was laughing her ass off when I got out (their offices are next to one another and he was almost screaming)  She knows I'm FI, her and her husband have similar goals.

I did something similar one year with my wife's 403B (teacher). Her school system allows up to 100% salary deferral (which is nice!) and I wanted to make sure we maxed out her contributions. The HR person was very confused. She actually said to my wife, "are you sure, you won't have enough in your paycheck to pay taxes"!!!

cheapass

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Re: Overheard at Work
« Reply #16668 on: February 02, 2017, 01:39:40 PM »
I am surprised at the dislike for pensions. I have one that pays 20k/year after only working 15 years and my DH gets the same amount after working 11 years. He made more $ then me. I agree that in addition people need to save $. As soon as I started with the state I contributed to deferred compensation and were surprised that some long term employees did not. I tried to explain what they were missing out on but they would say they could not afford it.

I think much of the dislike around pensions is that the individual employee doesn't control it. What happens if the company goes bankrupt? Talk about having all your eggs in one basket. I'd rather have them all under my control to move to whatever funds I please.

MishMash

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Re: Overheard at Work
« Reply #16669 on: February 02, 2017, 02:19:53 PM »
I was out the first part of January and just sent in my request last week to have 100% of my pay go into my 401k (no match here so no need to drag it out).  I've been doing this for years but someone else is handling the payroll this year.   

I just got an hour and a half lecture about how this wasn't "smart" and that I could end up in financial ruin, and that he didn't want to do it for me, what if I have surprise bills to pay etc.   Tons of stories about how he tried to up his contributions to 15% a few times and ended up having to borrow on credit cards when their "eating out" wasn't in check or "the car broke down"

I repeatedly said I'm fine, I have an emergency fund for that, we have excellent health insurance through my husband. This dude was in full. on. panic. mode.  And I appreciate someone cared enough to ask but come on! 

They made me sign a waiver saying that I had been given "professional advice" that this was not a good idea and that I waived the company from any responsibility when (not if, when) I require payment on short notice if they cannot accommodate a shifting of funds that quickly.  The last guy in this role needed like 24 hour notice, to switch on or off contributions so I don't know what he deems short notice.

My boss was laughing her ass off when I got out (their offices are next to one another and he was almost screaming)  She knows I'm FI, her and her husband have similar goals.

Ah, the advantages of having Fidelity as a 401k provider.  If I want to change my contributions to 100%, I go online, type in 100.  Hit the submit button and in 2 weeks, it's 100%.  None of this sillyness of talking to clowns.
Some employers put a cap on your maximum contribution without signing a waiver though. My company's is 60%. Anything above that and it has to go through HR first.

Yea I know, military won't let DH but in more then 40% of base pay.  That's not the case with ours though, plan documents specifically state up to 100% contribution rate.  I had to point that one out a few times in that meeting lol

I'm a red panda

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Re: Overheard at Work
« Reply #16670 on: February 02, 2017, 02:25:23 PM »

why would work get it when i donate i get it.

Because you didn't give it to the charity; work did.

Do you deduct when you give a dollar to the grocery store at checkout? (Which I don't do.)

Chris22

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Re: Overheard at Work
« Reply #16671 on: February 02, 2017, 03:28:49 PM »

why would work get it when i donate i get it.

Because you didn't give it to the charity; work did.

Do you deduct when you give a dollar to the grocery store at checkout? (Which I don't do.)

I've donated through work plenty of times, out of my paycheck.  I always get an emailed receipt for tax purposes.

slugline

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Re: Overheard at Work
« Reply #16672 on: February 02, 2017, 03:37:45 PM »
Ah, the advantages of having Fidelity as a 401k provider.  If I want to change my contributions to 100%, I go online, type in 100.  Hit the submit button and in 2 weeks, it's 100%.  None of this sillyness of talking to clowns.

Also with Fidelity here and our contribution amount box maxes out at 30%. I think it's at the employer's discretion.

markbike528CBX

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Re: Overheard at Work
« Reply #16673 on: February 02, 2017, 03:40:48 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing jeans  pants.
FTFY.
Fixed That For You too!

Dollar Slice

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Re: Overheard at Work
« Reply #16674 on: February 02, 2017, 05:45:39 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing jeans pants.
FTFY.
Fixed That For You too!

Fixed it for everyone.

Joggernot

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Re: Overheard at Work
« Reply #16675 on: February 02, 2017, 06:07:27 PM »
I think much of the dislike around pensions is that the individual employee doesn't control it. What happens if the company goes bankrupt? Talk about having all your eggs in one basket. I'd rather have them all under my control to move to whatever funds I please.
My minimal pension was a "defined" benefit (I had no control), so I couldn't draw on it until I was 65.  That meant 10 years living on my savings.  Good to have a stash to cover those years.

Hedge_87

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Re: Overheard at Work
« Reply #16676 on: February 02, 2017, 07:42:29 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing pants.
FTFY.
Fixed That For You too!

Fixed it for everyone.

I like this better

arebelspy

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Re: Overheard at Work
« Reply #16677 on: February 02, 2017, 08:28:23 PM »
FIREing solves both the "sitting at a desk" problem AND the "wearing pants" problem.

Now that's efficiency.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with two kids.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

With This Herring

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Re: Overheard at Work
« Reply #16678 on: February 02, 2017, 09:17:57 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing pants. the human skin necessary to disguise oneself on this strange, watery planet.
FTFY.
Fixed That For You too!

Fixed it for everyone.

I like this better

Now it is as it should be.

Metric Mouse

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Re: Overheard at Work
« Reply #16679 on: February 02, 2017, 09:20:40 PM »
There is nothing more uncomfortable than sitting at a desk for hours at a time wearing pants. the human skin necessary to disguise oneself on this strange, watery planet.
FTFY.
Fixed That For You too!

Fixed it for everyone.

I like this better

Now it is as it should be.

Oh my... this escalated quickly...

theadvicist

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Re: Overheard at Work
« Reply #16680 on: February 03, 2017, 06:02:11 AM »
I probably would do the charity jeans to work thing, just to look like a team player. I'd definitely reduce other charitable outgoings by the same amount though, so that it didn't affect my budget.

My husband is in a work lottery syndicate. I have zero time for or interest in lotteries, but I feel it is worth 1 a week for him to not be 'that guy' in a work situation. Socially, with friends? Sure, I'd tell them it was bad maths, opt out, and take the heat. But at work sometimes you've got to play the game when the people making decisions about your salary are human and take all interactions into account whether consciously or not.

jinga nation

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Re: Overheard at Work
« Reply #16681 on: February 03, 2017, 06:49:16 AM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

I have a couple of pairs of Levis from Sam's Club that cost $20-25 each. I ain't paying the equivalent of that EVERY month.
And yes, jeans are uncomfortable in West-Central Florida, most of the year.
If HR didn't throw a fit, I'd be going commando all workday. I'm commando on weekends though, except at the gym.

I'm a red panda

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Re: Overheard at Work
« Reply #16682 on: February 03, 2017, 07:00:22 AM »

why would work get it when i donate i get it.

Because you didn't give it to the charity; work did.

Do you deduct when you give a dollar to the grocery store at checkout? (Which I don't do.)

I've donated through work plenty of times, out of my paycheck.  I always get an emailed receipt for tax purposes.

I guess it depends if it is a paycheck deduction. I've gotten one for paycheck deductions; but there is no receipt for "$5 in the basket for X"

infogoon

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Re: Overheard at Work
« Reply #16683 on: February 03, 2017, 07:14:15 AM »
Someone complaining that they get terrible reception on the hockey game from their cable provider. "It's almost unwatchable! I can't believe I'm spending $300 a month on this!"

Meanwhile, I'm picking up Hockey Night In Canada in crystal-clear HD with my forty dollar antenna.

boarder42

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Re: Overheard at Work
« Reply #16684 on: February 03, 2017, 07:16:28 AM »
Someone complaining that they get terrible reception on the hockey game from their cable provider. "It's almost unwatchable! I can't believe I'm spending $300 a month on this!"

Meanwhile, I'm picking up Hockey Night In Canada in crystal-clear HD with my forty dollar antenna.

its absolutely crazy to me how many people dont understand that TV is FREE over the air.  you dont have to have cable to get broadcast network channels. ie most football games in the US. baffles me every time a coworker says but how could i watch NFL on sunday... its free just buy an antenna.

jinga nation

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Re: Overheard at Work
« Reply #16685 on: February 03, 2017, 07:50:34 AM »
Someone complaining that they get terrible reception on the hockey game from their cable provider. "It's almost unwatchable! I can't believe I'm spending $300 a month on this!"

Meanwhile, I'm picking up Hockey Night In Canada in crystal-clear HD with my forty dollar antenna.

its absolutely crazy to me how many people dont understand that TV is FREE over the air.  you dont have to have cable to get broadcast network channels. ie most football games in the US. baffles me every time a coworker says but how could i watch NFL on sunday... its free just buy an antenna.
But putting up an antenna is hard work and dangerous because of an attic.
But an in-house antenna isn't powerful enough and is a distraction and doesn't blend in with the decor.
But they aren't showing the Raiders game in Tampa. And then the Rams game at night.
But I don't to watch the damn Pat(sys) or Falcons.
But the SNF and MNF are only on cable.
But my wife won't let me go to the bar. Because barflies. Because she is insecure.
But... But... But away.

infogoon

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Re: Overheard at Work
« Reply #16686 on: February 03, 2017, 07:58:39 AM »
Someone complaining that they get terrible reception on the hockey game from their cable provider. "It's almost unwatchable! I can't believe I'm spending $300 a month on this!"

Meanwhile, I'm picking up Hockey Night In Canada in crystal-clear HD with my forty dollar antenna.

its absolutely crazy to me how many people dont understand that TV is FREE over the air.  you dont have to have cable to get broadcast network channels. ie most football games in the US. baffles me every time a coworker says but how could i watch NFL on sunday... its free just buy an antenna.

It's amazing. It took some tweaking to get everything dialed in, but I'm picking up 50+ channels over the air with two antennas, and piping it all into a DVR system running on free software (mythtv.org). The picture is better than anything I got from the cable company back when I still had them, and the only recurring cost is $15 a year for access to a third-party program guide. I literally built the entire system years ago for less than what my coworkers spend on cable for two months.

jinga nation

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Re: Overheard at Work
« Reply #16687 on: February 03, 2017, 08:09:32 AM »
Someone complaining that they get terrible reception on the hockey game from their cable provider. "It's almost unwatchable! I can't believe I'm spending $300 a month on this!"

Meanwhile, I'm picking up Hockey Night In Canada in crystal-clear HD with my forty dollar antenna.

its absolutely crazy to me how many people dont understand that TV is FREE over the air.  you dont have to have cable to get broadcast network channels. ie most football games in the US. baffles me every time a coworker says but how could i watch NFL on sunday... its free just buy an antenna.

It's amazing. It took some tweaking to get everything dialed in, but I'm picking up 50+ channels over the air with two antennas, and piping it all into a DVR system running on free software (mythtv.org). The picture is better than anything I got from the cable company back when I still had them, and the only recurring cost is $15 a year for access to a third-party program guide. I literally built the entire system years ago for less than what my coworkers spend on cable for two months.
Mythbuntu! or build a HTPC.
Glad to see another Myth user here.

Kitsune

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Re: Overheard at Work
« Reply #16688 on: February 03, 2017, 08:11:33 AM »
Insurance plan administrator/paycheck processing person at work: "I don't understand why you're annoyed that I gave you the wrong information about what's covered under the insurance and what it takes to get your new kid covered. It's not like I should be expected to know these things!"

Well, combine that incompetence with mistakes on my last 3 paychecks, and... yes. Yes, you ARE expected to know things that are 1) the basics of your job, and 2) directly affecting people's lives/well-being (hi, I'm 38 weeks pregnant and about to be responsible for a tiny human who I HOPE will not need health insurance for a while, but if they do I need them to be covered. Don't give me wrong information that impacts our coverage!)

Like, for crying out loud. Don't fuck with people's pay and health insurance is a BASIC THING.

Just Joe

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Re: Overheard at Work
« Reply #16689 on: February 03, 2017, 08:42:31 AM »
Oops, originally posted this in the wrong thread. But here it is:

My office usually has 4-6 days a month where we can wear jeans if we donate $5 or more to charity. Everyone goes absolutely giddy over these days (usually on Fridays). I rarely participate. And because of this, I take a lot heat.

I'm sorry, but wearing jeans to work once a week isn't worth $20/month to me. Especially when I have a pair of khakis that are just as comfortable and perfectly up to dress code.

I guess I'm not surprised people at my office love to spend for this casual luxury. They're the same ones who roll in with their financed SUVs, clutching Starbucks every morning, ordering out for lunch, and often order take-out for dinner on the way home, etc.

Am I in the wrong here? Am I a terrible person for not participating in these charity days? I only make $15/hour right now, so $20-25/month adds up.

I have a couple of pairs of Levis from Sam's Club that cost $20-25 each. I ain't paying the equivalent of that EVERY month.
And yes, jeans are uncomfortable in West-Central Florida, most of the year.
If HR didn't throw a fit, I'd be going commando all workday. I'm commando on weekends though, except at the gym.

There are always kilts for the males and skirts/dresses of course if you aren't and you need a breeze... 

Hell, its 2017! Where a dress if you are male - I don't care (seriously). Your employer might though.
« Last Edit: February 03, 2017, 08:45:19 AM by Tasty Pinecones »

alewpanda

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Re: Overheard at Work
« Reply #16690 on: February 03, 2017, 08:58:20 AM »
I work in a small, 4 person nonprofit office.  Super casual, low budget (our "offices" are in a 60's trailer....), but they prioritize taking care of their employees pretty well.  The full-time, long term employees (2 men) make reasonable salaries for the area, and their wives work/have worked on and off most of their adult lives.  These individuals aren't high earners, but they *should* be pretty comfortable and have a reasonably comfortable retirement future if they were/are wise.

Employee 1 -- Wife and he work full time.  Careful budgeter -- awesome.  Brings lunch -- cool.  Working on being able to homestead in the future -- the horses are a little unneccesary, but otherwise they grow food and whatnot and have the acreage to do it.  It brings them a lot of joy and relaxation, and they have no plans to retire early -- to each their own.
The  Antimustachian part: they recently finished their own home on their property.  He did the contracting and a lot of the work which is awesome, so I am sure they saved a lot.  They are old enough to be my parents, so no kids in the home.  Just the two of them, and the wife with reasonable back issues that have required surgery in the past.

FOUR bedrooms.  2 family rooms.  A kitchen and dining.  2 levels.  3 or 4 bathrooms.


I know they have extended family out of town, but all their kids live locally.  The extra bedrooms are only used once a year. 

They are already in their mid 50s -- its a gorgeous house, but struggle to see the practicality, or how his lovely wife will be able to take care of it if her back problems come back.  I truly hope it isn't a huge financial burden either.  This coworker openly questions our intent to downsize from our 3 bedroom, 2 bath (1700 square feet) house.  And doesn't see the irony of his own.



Employee 2 -- Lives in a modular home that was bought new some time ago.  Nice home and a good size for them.  Late 50s, wife works part time.  Parents are aging, so I know they have extra strain there.  Consistently on the look out for side gigs -- wife will cut hair, sell products, etc.  He will tune pianos, teach music, etc.

Buys every gadget imagineable.  Both have kindles, both have ipads, both have computers, netflix, cable, amazon prime, fire bar (I think thats the amazon compatible thing that streams from amazon prime), bose items, instruments, electronics of every sort. 

Finances furniture, *brings* lunches in each week that consist of a walmart bag of frozen active/fit type of meals, buys apps and whatnot for the thrill because its just 10.00 here and there.


Recently told me that he and his wife bought the amazon echo....for fun.


I happened to accidentally (remember, 60s trailer walls) overhear a conversation that made me think that they may have opted out of SS in the early years of their lives (US allows certain nonprofit workers/faith based workers to do this very early on in their working life).  However, this means they are entirely dependent on what they themselves can save for retirement. 

I truly hope this isn't the case.  I don't see any evidence there that would make me think that those accounts are very large....



This rant is more because I worry about them....less for the shame part.

Debts_of_Despair

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Re: Overheard at Work
« Reply #16691 on: February 03, 2017, 10:11:56 AM »
Re: the gadget purchases, it's really not that bad in the scheme of things.  Could do a lot worse getting locked into payments on bigger toys that need recurring maintenance.
I
« Last Edit: February 03, 2017, 10:18:44 AM by Debts_of_Despair »

momcpa

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Re: Overheard at Work
« Reply #16692 on: February 03, 2017, 10:15:46 AM »
Not overheard....I was involved in this conversation.   My official starting date of working part-time was Feb 1, Wednesday.  I changed from salaried to hourly.  I checked with the payroll person to make sure she had the information.  Our pay period covers last week and this current week that includes my 'change' date.   I mentioned that 7 of the 10 days I would be at the salaried rate (7/10 of salary amount) and the other 3 days needed to be computed at the new hourly rate.  She said she couldn't do it that way as the payroll system didn't allow someone to be both salaried and hourly in the same period.  So I suggested that she change my salary portion to the 7/10's of the usual amount and then add the computed hourly amount as "additional pay", "bonus", or some other category that was allowed.  She said nope!  My other suggestion is to again figure the 7/10 and add the computed hourly amount making just one number.  When she has this number, then just change my 'salary' to that new number for one pay period. 

She's not doing either.  So instead, on my own, I computed what the new gross amount should be and compared it to what she is going to pay me.  Per this computation, I will not be getting paid for any hours I work over 17 hours for these 3 days.   Since I have reports to get out, etc.,  I will be OVER 17 hours.  I decided that I will cautiously add the difference to future days in half hour increments.

About 6 or 7 years ago, I did the payroll here and kinda know what could be done to make this correct.  Next payroll all my time will be at an hourly rate, so no problem with the computations going forward.

Debts_of_Despair

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Re: Overheard at Work
« Reply #16693 on: February 03, 2017, 10:17:18 AM »
Just a general comment about vending machines at work, do the people that eat out of them not go to the grocery store or something?  Not only is it overpriced, it's unhealthy.  The guy that sits next to me eats almost exclusively eats out of the vending machine at work.  Another common "lunch" around here is a 16 oz Pepsi and a bag of chips.

ducky19

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Re: Overheard at Work
« Reply #16694 on: February 03, 2017, 11:50:10 AM »
I have a woman who works on my team who is finally getting ready to close on her custom built, 3500+ sq. ft., 4 bedroom house on 2 acres. For $450k (in a LCOL area). $25k over budget. After spending thousands on legal fees. For her and her husband and their 1 daughter. Listening to her talk about all of the money they've spent on this place makes my head hurt. On the plus side, she has started bringing in some of her husband's shirts (many with tags still on them) and selling them to the team for $1 each. I've bought 6 total now and we're only in the first round of her cleaning his closet. Score!

Another woman several years ago was hired in from an agency position, so she immediately went out and spent $49k on a new Ford Edge Limited with every option she could get. Her car payment + insurance is more than our mortgage payment.
« Last Edit: February 03, 2017, 11:51:44 AM by ducky19 »

Playing with Fire UK

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Re: Overheard at Work
« Reply #16695 on: February 03, 2017, 12:23:29 PM »
Employee 1 -- Wife and he work full time.
...
They are already in their mid 50s -- its a gorgeous house, but struggle to see the practicality, or how his lovely wife will be able to take care of it if her back problems come back.  I truly hope it isn't a huge financial burden either.  This coworker openly questions our intent to downsize from our 3 bedroom, 2 bath (1700 square feet) house.  And doesn't see the irony of his own.

Why would she be taking care of the house?

alewpanda

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Re: Overheard at Work
« Reply #16696 on: February 03, 2017, 12:43:03 PM »
Employee 1 -- Wife and he work full time.
...
They are already in their mid 50s -- its a gorgeous house, but struggle to see the practicality, or how his lovely wife will be able to take care of it if her back problems come back.  I truly hope it isn't a huge financial burden either.  This coworker openly questions our intent to downsize from our 3 bedroom, 2 bath (1700 square feet) house.  And doesn't see the irony of his own.

Why would she be taking care of the house?


They are old fashioned.  Plus, he is capable of taking care of it, but he also raises the animals, plants, harvest, etc. outside.  She is already not physically capable of those things. And even after surgery, she is forever limited by her back issues.  So naturally a lot of the lighter, interior work falls to her.  My worry is that one day sooner than they like, they will have to leave their beloved farm/land/house because they built something that will only be a stresser for them, and specifically her, because of the house maintenance and size.  I suppose they could pay someone to come in and help...although it doesn't currently seem like something they would ever want to pay someone to do.  It is just a classic case of older couple building a gorgeous house that is double or triple the size they actually need, and potentially more than they will physically be able to care for someday. 

Hence, my desire to move to something small.  Neither of us enjoy housework or maintenance (although both of us are involved in it...in case you were worried), we want less debt/expenses, if we have children it will have to be through adoption and will be down the road anyway, and we think that we could live happily in something less than 1000 sq feet, and potentially as small as 2 bedroom if there is some "flex" space like a garage or work shed for hobbies/painting.

dragoncar

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Re: Overheard at Work
« Reply #16697 on: February 03, 2017, 12:51:54 PM »
I have a woman who works on my team who is finally getting ready to close on her custom built, 3500+ sq. ft., 4 bedroom house on 2 acres. For $450k (in a LCOL area). $25k over budget. After spending thousands on legal fees. For her and her husband and their 1 daughter. Listening to her talk about all of the money they've spent on this place makes my head hurt. On the plus side, she has started bringing in some of her husband's shirts (many with tags still on them) and selling them to the team for $1 each. I've bought 6 total now and we're only in the first round of her cleaning his closet. Score!

Another woman several years ago was hired in from an agency position, so she immediately went out and spent $49k on a new Ford Edge Limited with every option she could get. Her car payment + insurance is more than our mortgage payment.

That sounds great!  Halve the size of the house an I'm in!

Travis

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Re: Overheard at Work
« Reply #16698 on: February 03, 2017, 12:55:54 PM »
Just a general comment about vending machines at work, do the people that eat out of them not go to the grocery store or something?  Not only is it overpriced, it's unhealthy.  The guy that sits next to me eats almost exclusively eats out of the vending machine at work.  Another common "lunch" around here is a 16 oz Pepsi and a bag of chips.

And now they come with credit card swipers.  Not having a serviceable dollar bill or any loose change used to prevent people from using them. No longer a problem.

Cpa Cat

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Re: Overheard at Work
« Reply #16699 on: February 03, 2017, 12:57:43 PM »
Not overheard....I was involved in this conversation.   My official starting date of working part-time was Feb 1, Wednesday.  I changed from salaried to hourly.  I checked with the payroll person to make sure she had the information.  Our pay period covers last week and this current week that includes my 'change' date.   I mentioned that 7 of the 10 days I would be at the salaried rate (7/10 of salary amount) and the other 3 days needed to be computed at the new hourly rate.  She said she couldn't do it that way as the payroll system didn't allow someone to be both salaried and hourly in the same period.  So I suggested that she change my salary portion to the 7/10's of the usual amount and then add the computed hourly amount as "additional pay", "bonus", or some other category that was allowed.  She said nope!  My other suggestion is to again figure the 7/10 and add the computed hourly amount making just one number.  When she has this number, then just change my 'salary' to that new number for one pay period. 

She's not doing either.  So instead, on my own, I computed what the new gross amount should be and compared it to what she is going to pay me.  Per this computation, I will not be getting paid for any hours I work over 17 hours for these 3 days.   Since I have reports to get out, etc.,  I will be OVER 17 hours.  I decided that I will cautiously add the difference to future days in half hour increments.

About 6 or 7 years ago, I did the payroll here and kinda know what could be done to make this correct.  Next payroll all my time will be at an hourly rate, so no problem with the computations going forward.

What she needs to do is run you a pay check for the pay period of Day 1-7 as a salaried employee and then a separate paycheck for pay period Day 8-10 with the new hourly profile.

I wouldn't keep quiet since her way actually harms you and forces you to misrepresent future hours. It's not your fault she doesn't understand how to use payroll software.