Author Topic: Overheard at Work  (Read 8045678 times)

I'm a red panda

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Re: Overheard at Work
« Reply #20200 on: May 07, 2018, 10:41:51 AM »
Talking with a friend at work, complaining about student loan payments, said something along the lines of, "We make decent money, but they don't take into account we have a mortgage, we're pregnant, my husband has to pay for his stock car, they don't consider our lifestyle."

This was an "overheard on facebook" but I recently had someone explain that healthcare subsidies needed to take into account lifestyle, because some people have less money than their gross salary would imply because of taxes, student loans, mortgages, kids etc.  "It has to be on take home pay then get rid of obligations"

Hmmm...I bet if I tried hard enough, I could get my "take home pay" down to nearly zero, if you account for retirement contributions and standard tax deduction.  I should get more free stuff.

Might buy a bigger house with what was leftover. That way I'd qualify for more subsidies because I had no money left for healthcare.  I mean- gotta pay for that big house!

Dr.Optimus

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Re: Overheard at Work
« Reply #20201 on: May 07, 2018, 11:44:37 AM »
Talking with a friend at work, complaining about student loan payments, said something along the lines of, "We make decent money, but they don't take into account we have a mortgage, we're pregnant, my husband has to pay for his stock car, they don't consider our lifestyle."

This was an "overheard on facebook" but I recently had someone explain that healthcare subsidies needed to take into account lifestyle, because some people have less money than their gross salary would imply because of taxes, student loans, mortgages, kids etc.  "It has to be on take home pay then get rid of obligations"

Hmmm...I bet if I tried hard enough, I could get my "take home pay" down to nearly zero, if you account for retirement contributions and standard tax deduction.  I should get more free stuff.

Might buy a bigger house with what was leftover. That way I'd qualify for more subsidies because I had no money left for healthcare.  I mean- gotta pay for that big house!
You think car payments would count too?  If so, gotta get a nice new Corvette to put in one of my 4 garage stalls. 

Just Joe

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Re: Overheard at Work
« Reply #20202 on: May 07, 2018, 11:45:16 AM »
My husband works for BigTechCo and they lavish their employees with benefits and perks. As an example or two, in addition to the nice salary, three free meals a day, the yearly massage credits, assistance with childcare expenses, and his new commuting bike they somehow paid for, the latest perk is a service that will fill up your gas tank while your car is parked at work. The company pays for the service fee so he only pays for the gas itself, which is slightly cheaper than the station by our house. So as utterly absurd as it sounds, he gets someone to fill his tank for him while he sits at his desk and works....

I can do this - sort of. When I ride my ebike to work, if I want to - I can charge at work for free. So when its time to go home, I was given 40 miles of range for free while I worked. ;)

It costs my employer maybe a quarter for the electricity. I really ought to add a kill-a-watt meter to the charger the next time to see what it costs.

I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

chaskavitch

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Re: Overheard at Work
« Reply #20203 on: May 07, 2018, 12:18:50 PM »
My husband works for BigTechCo and they lavish their employees with benefits and perks. As an example or two, in addition to the nice salary, three free meals a day, the yearly massage credits, assistance with childcare expenses, and his new commuting bike they somehow paid for, the latest perk is a service that will fill up your gas tank while your car is parked at work. The company pays for the service fee so he only pays for the gas itself, which is slightly cheaper than the station by our house. So as utterly absurd as it sounds, he gets someone to fill his tank for him while he sits at his desk and works....

I can do this - sort of. When I ride my ebike to work, if I want to - I can charge at work for free. So when its time to go home, I was given 40 miles of range for free while I worked. ;)

It costs my employer maybe a quarter for the electricity. I really ought to add a kill-a-watt meter to the charger the next time to see what it costs.

I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

One of our higher-ups apparently has a Tesla, and part of his conditions for signing on was that the company would add a charging station for him.  So - now our two main locations each have 2-3 charging ports in the parking lot.  It's cool, and also kind of crazy, that they did that.  I can't decide which.

Dr.Optimus

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Re: Overheard at Work
« Reply #20204 on: May 07, 2018, 12:40:11 PM »
"My truck payment is $800 a month."

ketchup

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Re: Overheard at Work
« Reply #20205 on: May 07, 2018, 01:05:04 PM »
"My truck payment is $800 a month."
"You get paid $800/mo to drive that stupid truck!? Awesome!"

LennStar

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Re: Overheard at Work
« Reply #20206 on: May 07, 2018, 01:09:46 PM »
"My truck payment is $800 a month."
Surely the state needs to give truck payment assistance for that poor guy!!!


I'm a red panda

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Re: Overheard at Work
« Reply #20207 on: May 07, 2018, 01:20:34 PM »
My husband works for BigTechCo and they lavish their employees with benefits and perks. As an example or two, in addition to the nice salary, three free meals a day, the yearly massage credits, assistance with childcare expenses, and his new commuting bike they somehow paid for, the latest perk is a service that will fill up your gas tank while your car is parked at work. The company pays for the service fee so he only pays for the gas itself, which is slightly cheaper than the station by our house. So as utterly absurd as it sounds, he gets someone to fill his tank for him while he sits at his desk and works....

I can do this - sort of. When I ride my ebike to work, if I want to - I can charge at work for free. So when its time to go home, I was given 40 miles of range for free while I worked. ;)

It costs my employer maybe a quarter for the electricity. I really ought to add a kill-a-watt meter to the charger the next time to see what it costs.

I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

One of our higher-ups apparently has a Tesla, and part of his conditions for signing on was that the company would add a charging station for him.  So - now our two main locations each have 2-3 charging ports in the parking lot.  It's cool, and also kind of crazy, that they did that.  I can't decide which.

Do Tesla chargers only charge Tesla, or any electric cars? Our grocery store has 4 of them, and my last employer had 8. I never saw a Tesla at my old job though. I've seen 1 at the store.

Dr.Optimus

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Re: Overheard at Work
« Reply #20208 on: May 07, 2018, 01:37:21 PM »
"My truck payment is $800 a month."
Surely the state needs to give truck payment assistance for that poor guy!!!

Indeed.  Also said insurance for said truck was $200/mo.  Can you imagine?  That's $12,000 per year just to OWN the vehicle - that doesn't include the cost of depreciation, or to license, drive, and maintain it.  Pretty sure adding all of that up is approaching my yearly take home pay, or more.

RWD

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Re: Overheard at Work
« Reply #20209 on: May 07, 2018, 01:47:28 PM »
"My truck payment is $800 a month."
Surely the state needs to give truck payment assistance for that poor guy!!!

Indeed.  Also said insurance for said truck was $200/mo.  Can you imagine?  That's $12,000 per year just to OWN the vehicle - that doesn't include the cost of depreciation, or to license, drive, and maintain it.  Pretty sure adding all of that up is approaching my yearly take home pay, or more.

Depreciation is not in addition to car payments.

Example:
Buy a truck for $50k, put 11% down
Finance $44.5k at 3% interest for 60 months (payment of $800/month)
After five years let's say the truck is worth $25k ($25k in depreciation)
Total of five years of payments is $48k
You have a truck worth $25k that you've spent $53.5k on. Net cost is $28.5k.
« Last Edit: May 07, 2018, 02:21:31 PM by RWD »

ketchup

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Re: Overheard at Work
« Reply #20210 on: May 07, 2018, 01:48:32 PM »
"My truck payment is $800 a month."
Surely the state needs to give truck payment assistance for that poor guy!!!

Indeed.  Also said insurance for said truck was $200/mo.  Can you imagine?  That's $12,000 per year just to OWN the vehicle - that doesn't include the cost of depreciation, or to license, drive, and maintain it.  Pretty sure adding all of that up is approaching my yearly take home pay, or more.
I know someone (related to me...) that financed a brand new $26k car in 2013.  She made less than that per year in 2013, and by 2015 was making $0/yr and remains at that salary to this day.  Others have been making the payments for the most part. (including someone that thought he was paying it off for her, but she just pocketed the money!  Whoops)  It'll be paid off this fall.  Life is grand.

Step37

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Re: Overheard at Work
« Reply #20211 on: May 07, 2018, 08:21:14 PM »
Coworker came back from Wendyís today with three bags, and complaining about the fact he had to argue with the guy at the drive thru to get it packed that way. You see, he needed the salads and baked potatoes for tonightís dinner packed separately from each other, and from his lunch... itís okay, Iíd understand about paying $10 for $0.50 worth of potatoes if I had kids. I sort of(barely) get the salads (can be a pain in the ass to make for sure), but BAKED POTATOES?! really?!
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BDWW

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Re: Overheard at Work
« Reply #20212 on: May 07, 2018, 11:23:20 PM »
My husband works for BigTechCo and they lavish their employees with benefits and perks. As an example or two, in addition to the nice salary, three free meals a day, the yearly massage credits, assistance with childcare expenses, and his new commuting bike they somehow paid for, the latest perk is a service that will fill up your gas tank while your car is parked at work. The company pays for the service fee so he only pays for the gas itself, which is slightly cheaper than the station by our house. So as utterly absurd as it sounds, he gets someone to fill his tank for him while he sits at his desk and works....

I can do this - sort of. When I ride my ebike to work, if I want to - I can charge at work for free. So when its time to go home, I was given 40 miles of range for free while I worked. ;)

It costs my employer maybe a quarter for the electricity. I really ought to add a kill-a-watt meter to the charger the next time to see what it costs.

I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

One of our higher-ups apparently has a Tesla, and part of his conditions for signing on was that the company would add a charging station for him.  So - now our two main locations each have 2-3 charging ports in the parking lot.  It's cool, and also kind of crazy, that they did that.  I can't decide which.

Do Tesla chargers only charge Tesla, or any electric cars? Our grocery store has 4 of them, and my last employer had 8. I never saw a Tesla at my old job though. I've seen 1 at the store.

Only Teslas at the moment. Tesla has opened their patents and I think offered to license the charging to other companies, but none have excepted as far as I know.

gaja

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Re: Overheard at Work
« Reply #20213 on: May 08, 2018, 05:01:55 AM »
My husband works for BigTechCo and they lavish their employees with benefits and perks. As an example or two, in addition to the nice salary, three free meals a day, the yearly massage credits, assistance with childcare expenses, and his new commuting bike they somehow paid for, the latest perk is a service that will fill up your gas tank while your car is parked at work. The company pays for the service fee so he only pays for the gas itself, which is slightly cheaper than the station by our house. So as utterly absurd as it sounds, he gets someone to fill his tank for him while he sits at his desk and works....

I can do this - sort of. When I ride my ebike to work, if I want to - I can charge at work for free. So when its time to go home, I was given 40 miles of range for free while I worked. ;)

It costs my employer maybe a quarter for the electricity. I really ought to add a kill-a-watt meter to the charger the next time to see what it costs.

I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

One of our higher-ups apparently has a Tesla, and part of his conditions for signing on was that the company would add a charging station for him.  So - now our two main locations each have 2-3 charging ports in the parking lot.  It's cool, and also kind of crazy, that they did that.  I can't decide which.

Do Tesla chargers only charge Tesla, or any electric cars? Our grocery store has 4 of them, and my last employer had 8. I never saw a Tesla at my old job though. I've seen 1 at the store.

Only Teslas at the moment. Tesla has opened their patents and I think offered to license the charging to other companies, but none have excepted as far as I know.
Depends on whether they are superchargers or destination chargers. You are correct about superchargers, but not necessarily about Tesla destination chargers. The destination chargers use the Type2 standard, which is used by Tesla and most of the European EVs (BMW, VW, etc). Some of the destination chargers have been programmed to accept only Teslas, others can charge other compatible brands. Some people also set up a normal EV charger (open standard), and slap on a Tesla sticker. Anyone can (technically) charge on those.

As to employers offering EV owners free electricity: You can't compare that to a free tank of petrol/diesel. Trickle charging through a 120V 16A cord will give you 10-15 kWh for a full day at work. Very few EV owners will charge that much at work every day, since they also charge at home, or at the shop.
Travelling to 71į Northern Latitude in an electric car: http://travelelectric.blogspot.no/

Little Aussie Battler

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Re: Overheard at Work
« Reply #20214 on: May 08, 2018, 05:32:26 AM »
Guy at work just upgraded his second car to a 60k Merc, because he and his wife no longer liked driving the car that they had.

They both catch the bus to/from the city for work, and so this is 60k for a second weekend car.

And he was excited at how 'cheap' it was. Madness.

ixtap

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Re: Overheard at Work
« Reply #20215 on: May 08, 2018, 05:49:20 AM »
Guy at work just upgraded his second car to a 60k Merc, because he and his wife no longer liked driving the car that they had.

They both catch the bus to/from the city for work, and so this is 60k for a second weekend car.

And he was excited at how 'cheap' it was. Madness.

My husband comes home with stories like this and asks "Do they just not know what to do with their money?!"

elliha

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Re: Overheard at Work
« Reply #20216 on: May 08, 2018, 06:15:16 AM »
Guy at work just upgraded his second car to a 60k Merc, because he and his wife no longer liked driving the car that they had.

They both catch the bus to/from the city for work, and so this is 60k for a second weekend car.

And he was excited at how 'cheap' it was. Madness.

That is real madness. I find our car that cost roughly 3000 dollars and is mainly used during the weekends to be a pure luxury item.

Freedomin5

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Re: Overheard at Work
« Reply #20217 on: May 08, 2018, 07:48:03 AM »
Coworker and I were having a discussion about how to prevent our kids from becoming super self-absorbed entitled teenagers who feel that the world (and their parents) owe them.

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.
CW: Yes! So what do you think I should do? I need suggestions!
Me: Well, maybe find some way to let him see how blessed he is, that not everyone is able to live the way he does or has the opportunities he has. So maybe have him volunteer in a rural/inner city program this summer. But you have to do it as a family. You canít just dump him in the middle of nowhere. Otherwise itís not fair. And also, if you just make him do it and donít participate yourself, he will see that you donít really hold yourself to the same values.
CW: Thatís such a good idea! He totally needs to remember how blessed he is. And volunteering would look good on his college apps! But we canít this summer because we are going to Bali for two weeks and then to our summer house in Greece. Iíll just tell him he needs to be grateful for what he has.

Me: (face, meet palm)

Hirondelle

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Re: Overheard at Work
« Reply #20218 on: May 08, 2018, 08:03:29 AM »
Coworker and I were having a discussion about how to prevent our kids from becoming super self-absorbed entitled teenagers who feel that the world (and their parents) owe them.

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.
CW: Yes! So what do you think I should do? I need suggestions!
Me: Well, maybe find some way to let him see how blessed he is, that not everyone is able to live the way he does or has the opportunities he has. So maybe have him volunteer in a rural/inner city program this summer. But you have to do it as a family. You canít just dump him in the middle of nowhere. Otherwise itís not fair. And also, if you just make him do it and donít participate yourself, he will see that you donít really hold yourself to the same values.
CW: Thatís such a good idea! He totally needs to remember how blessed he is. And volunteering would look good on his college apps! But we canít this summer because we are going to Bali for two weeks and then to our summer house in Greece. Iíll just tell him he needs to be grateful for what he has.

Me: (face, meet palm)

Wait, there's teenagers in this world getting $100 WEEKLY allowances and in addition to that iPhoneX's!?!? Poor kids... I honestly feel sorry for them.

Maybe suggest your CWer that they could also do volunteering in evenings/weekends?

Edit; if they're going to Bali and Greece I guess there's plenty of areas there that can show some real-life examples of how priviledged they are ;)
« Last Edit: May 08, 2018, 08:20:27 AM by Hirondelle »

BuffaloStache

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Re: Overheard at Work
« Reply #20219 on: May 08, 2018, 08:11:57 AM »
$100 a week?!? Wowza. That's some serious allowance money right there.
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Re: Overheard at Work
« Reply #20220 on: May 08, 2018, 08:44:26 AM »
Coworker came back from Wendyís today with three bags, and complaining about the fact he had to argue with the guy at the drive thru to get it packed that way. You see, he needed the salads and baked potatoes for tonightís dinner packed separately from each other, and from his lunch... itís okay, Iíd understand about paying $10 for $0.50 worth of potatoes if I had kids. I sort of(barely) get the salads (can be a pain in the ass to make for sure), but BAKED POTATOES?! really?!
yup....by the time you reheat the crappy Wendy's baked potatoes, you could have cooked fresh ones in the microwave....10lb potatoes $2 on sale....better tasting, freshly baked potatoes, priceless.

Dr.Optimus

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Re: Overheard at Work
« Reply #20221 on: May 08, 2018, 09:10:25 AM »
Coworker came back from Wendyís today with three bags, and complaining about the fact he had to argue with the guy at the drive thru to get it packed that way. You see, he needed the salads and baked potatoes for tonightís dinner packed separately from each other, and from his lunch... itís okay, Iíd understand about paying $10 for $0.50 worth of potatoes if I had kids. I sort of(barely) get the salads (can be a pain in the ass to make for sure), but BAKED POTATOES?! really?!
yup....by the time you reheat the crappy Wendy's baked potatoes, you could have cooked fresh ones in the microwave....10lb potatoes $2 on sale....better tasting, freshly baked potatoes, priceless.
"It takes forever to make a baked potato in a conventional oven.  Sometimes, I put a potato in the oven even if I don't want one.  By the  time it's done, who knows?" - Mitch Hedberg =)

Sorry, baked potato just reminded me of that joke.


ketchup

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Re: Overheard at Work
« Reply #20222 on: May 08, 2018, 09:23:31 AM »
$100 a week?!? Wowza. That's some serious allowance money right there.
Yeah, holy crap.  From about age 8 until I started working (14), I think I got $5/month "allowance."  And this was if I did all my "chores."  And inflation-wise, this was 1999~2006, not 1860.

Dabnasty

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Re: Overheard at Work
« Reply #20223 on: May 08, 2018, 09:32:46 AM »
Coworker came back from Wendyís today with three bags, and complaining about the fact he had to argue with the guy at the drive thru to get it packed that way. You see, he needed the salads and baked potatoes for tonightís dinner packed separately from each other, and from his lunch... itís okay, Iíd understand about paying $10 for $0.50 worth of potatoes if I had kids. I sort of(barely) get the salads (can be a pain in the ass to make for sure), but BAKED POTATOES?! really?!
yup....by the time you reheat the crappy Wendy's baked potatoes, you could have cooked fresh ones in the microwave....10lb potatoes $2 on sale....better tasting, freshly baked potatoes, priceless.
"It takes forever to make a baked potato in a conventional oven.  Sometimes, I put a potato in the oven even if I don't want one.  By the  time it's done, who knows?" - Mitch Hedberg =)

Sorry, baked potato just reminded me of that joke.

Always my first thought when baked potatoes are discussed.

MrMoogle

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Re: Overheard at Work
« Reply #20224 on: May 08, 2018, 09:46:29 AM »
$100 a week?!? Wowza. That's some serious allowance money right there.
Yeah, holy crap.  From about age 8 until I started working (14), I think I got $5/month "allowance."  And this was if I did all my "chores."  And inflation-wise, this was 1999~2006, not 1860.
$100 a week was about what I got for college 15 years ago.  That didn't include rent, but it did include food and utilities. 

zolotiyeruki

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Re: Overheard at Work
« Reply #20225 on: May 08, 2018, 09:47:37 AM »
$100/week?  Gee, I wish I (as an adult) had that much free cash to spend on whatever.

Back on topic, I was on a business trip this weekend with several coworkers.  We rented a Nissan Armada (the biggest SUV they make) to haul us to/from a trade show.  After a few days riding in it, I came to the conclusion that this vehicle is a complete joke compared to a minivan.  Why?

  • It starts at $46k, compared to $30k for a Honda Odyssey
  • It gets 19MPG highway compared to 28
  • The cargo area is basically non-existent.  There's maybe 12" between the liftgate and the rear seats.  For comparison, our family also went on a road trip this weekend in our minivan.  We brought three suitcases (from large to carry-on size), a duffel, four backpacks, and seven pillows and blankets, and still had room for a massive king-size comforter and several pillows in the back, without obstructing the rear window.
  • Despite the massive footprint, the rear seats are no more comfortable than those in our minivan. (no more leg room or head height)

Pros for this vehicle?  Well, it has more ground clearance (9.5" vs 4.5") and higher towing capability (8,500 lbs vs 3,500).  That's about it.
« Last Edit: May 08, 2018, 10:08:15 AM by zolotiyeruki »

Dabnasty

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Re: Overheard at Work
« Reply #20226 on: May 08, 2018, 10:05:23 AM »

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.


$100/week is about 40% of what someone on minimum wage working full time has to spend after taxes...

But maybe he should give his kid an allowance, then if he wants an iphone X he can save up for it. Just not $100 because his kid is bullshitting. Maybe some kids get that much but "everyone else gets at least", that's bullshit from a whiney kid.

Hirondelle

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Re: Overheard at Work
« Reply #20227 on: May 08, 2018, 10:18:04 AM »
$100 a week?!? Wowza. That's some serious allowance money right there.
Yeah, holy crap.  From about age 8 until I started working (14), I think I got $5/month "allowance."  And this was if I did all my "chores."  And inflation-wise, this was 1999~2006, not 1860.
$100 a week was about what I got for college 15 years ago.  That didn't include rent, but it did include food and utilities.

I never got an allowance, but I was impressed when my wealthy friend got $5/week (2006ish) in high school. In college I had a goverment scholarship (everyone gets it here) while my parents paid about half of my tuition fee; that was about $35/week from 2011-2015 (yes college is cheap here).

elliha

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Re: Overheard at Work
« Reply #20228 on: May 08, 2018, 10:51:22 AM »
Coworker and I were having a discussion about how to prevent our kids from becoming super self-absorbed entitled teenagers who feel that the world (and their parents) owe them.

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.
CW: Yes! So what do you think I should do? I need suggestions!
Me: Well, maybe find some way to let him see how blessed he is, that not everyone is able to live the way he does or has the opportunities he has. So maybe have him volunteer in a rural/inner city program this summer. But you have to do it as a family. You canít just dump him in the middle of nowhere. Otherwise itís not fair. And also, if you just make him do it and donít participate yourself, he will see that you donít really hold yourself to the same values.
CW: Thatís such a good idea! He totally needs to remember how blessed he is. And volunteering would look good on his college apps! But we canít this summer because we are going to Bali for two weeks and then to our summer house in Greece. Iíll just tell him he needs to be grateful for what he has.

Me: (face, meet palm)

This is the reason I will never live in a high income area even if I could afford it. If my kid doesn't get that a free phone equals no reason to complain in any way I am sure what I would do. Appreciate what you have, even most people who are poor by western standards are rich on a global scale. That kid needs a reality check.

Dragonswan

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Re: Overheard at Work
« Reply #20229 on: May 08, 2018, 12:14:12 PM »
I'd take the phone back and get him a refurbished iphone 5 (if you ca n still find one that works).  Now he'll learn that while we can afford better, you're not entitled to it and if you complain you will get less.  As for the allowance, ask him what's he's done to deserve it?  Until he comes up with good answers he gets half whatever I was giving him.  Again, I can afford more but you're not entitled to it just because you have my last name and the lemming excuse won't cut it (everyone else ...).  Eventually the kid will shut up and be grateful you even bothered to bring him home from the hospital.  Because, you know, I hear church steps are good places to leave babies.

Just Joe

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Re: Overheard at Work
« Reply #20230 on: May 08, 2018, 12:54:39 PM »
But Dad... I NEED a new Corvette to drive at college. Everyone has a new supercar at college... (whine, whine, whine)

MonkeyJenga

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Re: Overheard at Work
« Reply #20231 on: May 08, 2018, 01:07:30 PM »
Coworker and I were having a discussion about how to prevent our kids from becoming super self-absorbed entitled teenagers who feel that the world (and their parents) owe them.

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.
CW: Yes! So what do you think I should do? I need suggestions!
Me: Well, maybe find some way to let him see how blessed he is, that not everyone is able to live the way he does or has the opportunities he has. So maybe have him volunteer in a rural/inner city program this summer. But you have to do it as a family. You canít just dump him in the middle of nowhere. Otherwise itís not fair. And also, if you just make him do it and donít participate yourself, he will see that you donít really hold yourself to the same values.
CW: Thatís such a good idea! He totally needs to remember how blessed he is. And volunteering would look good on his college apps! But we canít this summer because we are going to Bali for two weeks and then to our summer house in Greece. Iíll just tell him he needs to be grateful for what he has.

Me: (face, meet palm)

This is the reason I will never live in a high income area even if I could afford it. If my kid doesn't get that a free phone equals no reason to complain in any way I am sure what I would do. Appreciate what you have, even most people who are poor by western standards are rich on a global scale. That kid needs a reality check.

The bolded line stuck out for me. That's their problem! He thinks he's destitute because humans compare themselves to the people around them, not global statistics on poverty. Move to a nice middle-class neighborhood, send your kid to public school, and problem solved lessened. I grew up in a CW-like environment, where many people expected a brand-new luxury car on their 16th birthday. I'm grateful that I was turned off by all the conspicuous consumption and went the other way, but it took me years to realize how many of my needs and assumptions were still based on that cushy environment. Probably still are, and I just don't realize it yet.

I'm also lucky to be old enough that electronics weren't really an issue. We were fairly early adopters of dial-up home internet and AOL, oooohh fancy. And I had a flip phone in middle school, BALLING. Not exactly something you lord over other people and compare specs on. "Oh, your flip phone isn't held together by a rubber band? Look at you, big spender."

Freedomin5

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Re: Overheard at Work
« Reply #20232 on: May 08, 2018, 08:09:25 PM »
Coworker and I were having a discussion about how to prevent our kids from becoming super self-absorbed entitled teenagers who feel that the world (and their parents) owe them.

CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.
CW: Yes! So what do you think I should do? I need suggestions!
Me: Well, maybe find some way to let him see how blessed he is, that not everyone is able to live the way he does or has the opportunities he has. So maybe have him volunteer in a rural/inner city program this summer. But you have to do it as a family. You canít just dump him in the middle of nowhere. Otherwise itís not fair. And also, if you just make him do it and donít participate yourself, he will see that you donít really hold yourself to the same values.
CW: Thatís such a good idea! He totally needs to remember how blessed he is. And volunteering would look good on his college apps! But we canít this summer because we are going to Bali for two weeks and then to our summer house in Greece. Iíll just tell him he needs to be grateful for what he has.

Me: (face, meet palm)

It gets worse. I initially cut it out for brevity.

I live in Shanghai, and these kids are expat kids or superwealthy Chinese kids. USD$100/week is actually considered "reasonable". A totally non-scientific survey conducted last year by one of the expat magazines found that 20% of expat highschool students have Amex Black cards (I think that's what they're called, the ones with No Credit Limit. Obviously, I've never had one so I may be wrong about the name of the card). Unfortunately, pretty much all the kids in his class have either the X or the 8, though to be fair, I know at least 3 of the kids who recently jumped from the 5s to the X (meaning that their parents didn't rush out to get them the latest and greatest iPhone as soon as it came out).

And because great minds think alike (the minds of the people on this forum), I did suggest that the kid volunteer throughout the school year. The response: "He can't because he has rugby on Monday, tennis on Tuesday, extra tutoring on Wednesdays and Fridays, violin on Thursday, and needs his weekends to catch up on homework. Besides all those volunteer places are in dangerous areas of town, and I wouldn't feel comfortable letting him take the bus/subway there by himself, and our driver doesn't work on the weekends."

Yeah, I don't think I can help you.

(Though I like the idea of getting an iPhone 5. I have an old refurbished 5s with 8GB that dies after 8 hours. I should offer to trade my 5s for his 6s.)

LennStar

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Re: Overheard at Work
« Reply #20233 on: May 09, 2018, 07:31:57 AM »
CW: My kid was mad at me because I got him an iPhone 6s and not the new iphoneX. Apparently everyone in his class has the iphoneX. Itís also super unfair to him that he doesnít get an allowance when everyone else gets at least $100 per week.
Me: He really needs to learn to be grateful for what he has. He needs to cultivate an attitude of appreciation. I mean, you guys live in one of the richest neighborhoods in town; itís not like heís destitute.

You see 90% reasons for "Needs" here. It is shown that from a certain amount of income, happiness does not increase (in fact it may go down).
BUT that amount is not a solid, objective number. It depends on the neighborhood you are in. COMPARING makes you miserable.

(Of course we are talking about "rich" countries here. If you hunger it does not make much of a difference if your neighbor is even more hungry.)

bostonjim

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Re: Overheard at Work
« Reply #20234 on: May 10, 2018, 09:25:08 AM »
If my kid ever whines to me that he needs an allowance, I plan on playing this clip for him:

https://www.youtube.com/watch?v=0f6l1QljpMo

DutchGirl

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Re: Overheard at Work
« Reply #20235 on: May 10, 2018, 12:55:07 PM »
Talking at work about that one time when our paycheck was two days late.

CW1: My co-workers were complaining about not being able to pay their rent. Well, in my opinion, if you haven't saved up 1000 euros somewhere in a savings account so that you can still pay your rent when your paycheck is late, that's on you. (Yeah, hurray for CW1!)
CW2: Well, but you can't grow rich. Not with the salaries we earn at our company!

I ... kept silent.

Potatotoe

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Re: Overheard at Work
« Reply #20236 on: May 10, 2018, 02:37:19 PM »
Overheard my boss (who is owner of the company) exclaim while she was looking up "how much should I save to start a business" that it was impossible for someone to save 100k. Impossible for her maybe. Here is just a sample of other things she has said/done.

"I bought a boat over the weekend. I used my son's graduation money. Oops."
Bought a brand new F-250. She literally lives 5 minutes from work.
Bought a coworker hundreds of dollars worth of baby stuff for her baby shower and said "I have an online shopping problem".
Gets her hair done every other month.
She is up to her eyeballs in student loan debt since she kept changing careers. Apparently she owes 30k just from one year of vet school and she has had several careers since then.
The building we work in gets more furniture and just stuff in it every week. So much clutter.
Goes on vacation every holiday and on her birthday.



facepalm

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Re: Overheard at Work
« Reply #20237 on: May 10, 2018, 10:55:50 PM »
Error page 404 found
I see what you did there.

DarkandStormy

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Re: Overheard at Work
« Reply #20238 on: May 11, 2018, 09:06:49 AM »
CW #1: Hmm, kids are getting a bit older (3 and 7 I think).  We should be saving more in their 529 plans for college.
CW #2: Oh, how much are you saving?
CW #1: $50 a month, $25/kid.

Also CW #1: Yeah, I only do 6% into my 401(k).  Just can't afford more.
Also CW #1: Yeah, after the recent promotion I'm going to be over the IRA income limits.
Also CW #1: Excited for this weekend.  Bought a new boat and we'll finally be able to get out on the lake this weekend.  Hang out at the lake house (that he recently bought as well).

Me = :facepalm:
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FindingFI

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Re: Overheard at Work
« Reply #20239 on: May 11, 2018, 11:26:05 AM »
I want an EV car and have my employer refill that for for free. I've seen a coworker to recharges their car at work with a 120V cord. I don't know if our employer has noticed or not though.

My boyfriend charges his EV at work just like this and his employer is totally onboard!  They even marked the parking spot near the outlet just for him since it's the only one the charging cord reaches.  In the summer months, the range of the car is just about equal to his commute and it fully charges during the work day, so he basically gets free "gas".

Goldielocks

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Re: Overheard at Work
« Reply #20240 on: May 11, 2018, 11:43:43 AM »
$100/week?  Gee, I wish I (as an adult) had that much free cash to spend on whatever.

Back on topic, I was on a business trip this weekend with several coworkers.  We rented a Nissan Armada (the biggest SUV they make) to haul us to/from a trade show.  After a few days riding in it, I came to the conclusion that this vehicle is a complete joke compared to a minivan.  Why?

  • It starts at $46k, compared to $30k for a Honda Odyssey
  • It gets 19MPG highway compared to 28
  • The cargo area is basically non-existent.  There's maybe 12" between the liftgate and the rear seats.  For comparison, our family also went on a road trip this weekend in our minivan.  We brought three suitcases (from large to carry-on size), a duffel, four backpacks, and seven pillows and blankets, and still had room for a massive king-size comforter and several pillows in the back, without obstructing the rear window.
  • Despite the massive footprint, the rear seats are no more comfortable than those in our minivan. (no more leg room or head height)

Pros for this vehicle?  Well, it has more ground clearance (9.5" vs 4.5") and higher towing capability (8,500 lbs vs 3,500).  That's about it.
I saw one in the showroom when they first came out.  As the owner of an older Dodge Grand Caravan, I did not get it.   The armada is the most expensive vehicle of its class (that year).
BUT -- I figured out who it is for:

Older owners who have a large trailer-able (just) boat and like to go fishing with 4 other large male friends, and want to show off their success.

Drive 6 hours in luxury, but don't go into any backwoods.  Only the boat ramp access may require some off road / good gravel road and traction.  The vehicle is parked on pavement during the trip.  Stay on the boat, or at a hotel /motel nearby.   Everyone is 55 yrs + and liking comfort over "getting there".

zachaloo

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Re: Overheard at Work
« Reply #20241 on: May 11, 2018, 03:02:04 PM »
Lurker on the thread for a few months and slowly working my way through the whole thing. I just got through the foam about gun laws. God y'all can get so distracted sometimes.

I've got some stuff here.

CW has been an employee for the local government over 30 years. She has had the option of full retirement for a couple of years now, but for whatever reason she hasn't. That reason is becoming more obvious. Now she is being "forced" to retire.

Turns out CW has been missing quite a few mortgage payments and the only way she can make up for it is to retire early and cash out a large portion of her pension/retirement savings NOW. By retiring ASAP instead of at the end of the year she stands to lose $20k in retirement that she would otherwise receive, on top of whatever mortgage payments she has to make up for.

I feel bad, but she dug this hole herself. She does very little work during the day and instead talks on her phone, shops online, and buys fast food for breakfast or lunch every day. She is also constantly borrowing money from people and not repaying them. She has actually been warned a couple of times by our boss not to ask co-workers for money. It's gotten that bad.

I'm not sure if a decision has been made for her to retire, but it looks bleak no matter how you slice it.

CW2 has been informing me all about CW1 drama, but she has issues herself. CW2 is having trouble understanding how it benefits CW1 to retire now instead of continuing to work and pay down her debts. I suggested doing an early withdrawal, but CW1 retirement plan may not allow that. CW2 says she did a 401k withdrawal in the 80s to dig a pool in their yard, and shortly after the withdrawal, the company she worked for went out of business so she had to pay all of the 401k loan back immediately. CW2 said, "Who could plan for that?!" I just shook my head and shrugged. I'm 24 and everyone else in my office is more than twice my age, so they would not listen to any financial advice that I would have to offer.

Greenback Reproduction Specialist

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Re: Overheard at Work
« Reply #20242 on: May 14, 2018, 08:26:21 AM »
Crazy cat guy on the phone talking about his relationship living in an apartment while waiting to get into a house.

"At one point our family growing up had over 20 catsÖ.. (talking about his relationship and his cat vs her dog)It may not look like much but that cat will rip the dogs eye out pretty fastÖ. Yea there ferocious."
FIRE.... Remember, it's closer than it feels.


JetBlast

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Re: Overheard at Work
« Reply #20243 on: May 14, 2018, 03:50:28 PM »
How about an overheard at the credit union at which my mother volunteers on supervisory committee? (So kinda her workplace)

Chatting with one of the loan officers and they told me they recently had a couple take out a new car loan of $15,000 on a $35,000 vehicle. They then requested to purchase gap insurance. The loan officer tried to talk them out of it, explaining that there was no chance the vehicle would be worth less than the loan amount if they were involved in an accident during the loan. The customers insisted on gap insurance because ďthatís what weíve always done.Ē


Hirondelle

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Re: Overheard at Work
« Reply #20244 on: May 15, 2018, 12:51:50 AM »
How about an overheard at the credit union at which my mother volunteers on supervisory committee? (So kinda her workplace)

Chatting with one of the loan officers and they told me they recently had a couple take out a new car loan of $15,000 on a $35,000 vehicle. They then requested to purchase gap insurance. The loan officer tried to talk them out of it, explaining that there was no chance the vehicle would be worth less than the loan amount if they were involved in an accident during the loan. The customers insisted on gap insurance because ďthatís what weíve always done.Ē

Such an excellent way of decision making. Just do what you've always done and everything will be fine.

Sibley

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Re: Overheard at Work
« Reply #20245 on: May 15, 2018, 07:25:01 AM »
Crazy cat guy on the phone talking about his relationship living in an apartment while waiting to get into a house.

"At one point our family growing up had over 20 catsÖ.. (talking about his relationship and his cat vs her dog)It may not look like much but that cat will rip the dogs eye out pretty fastÖ. Yea there ferocious."

I HATE animal hoarders. It's horrible for the animals. That poor dog (and I'm a cat person).

Slee_stack

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Re: Overheard at Work
« Reply #20246 on: May 15, 2018, 11:00:35 AM »
At a recent company-wide meeting, our General Manager made a comment that [looking around the parking lot, it is obvious that we all have been fortunate to work here and we should be optimistic for continued success].

I know what he meant, but from a mustachian perspective, it was so blatently clueless.

Our lot is filled with newer trucks and cars.  I don't doubt some truly can afford them, but I know most of these are really huge ball-and-chains to the employees that may never be able to afford to stop working.

It was completely un-motivational to me when I heard this.  Most of the herd just nodded in agreement though.  Work to spend!  Work to spend!
« Last Edit: May 15, 2018, 11:03:20 AM by Slee_stack »

Linda_Norway

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Re: Overheard at Work
« Reply #20247 on: May 15, 2018, 01:47:18 PM »
At a recent company-wide meeting, our General Manager made a comment that [looking around the parking lot, it is obvious that we all have been fortunate to work here and we should be optimistic for continued success].

I know what he meant, but from a mustachian perspective, it was so blatently clueless.

Our lot is filled with newer trucks and cars.  I don't doubt some truly can afford them, but I know most of these are really huge ball-and-chains to the employees that may never be able to afford to stop working.

It was completely un-motivational to me when I heard this.  Most of the herd just nodded in agreement though.  Work to spend!  Work to spend!

At my job today I saw to fancy convertibles parked beside each other. In Norway a convertible is typically your extra car, not your normal car. In the winter the parking lot contsins a LOT of Teslas.

But I work at a place where a group of people have a pretty high income, being specialists and working weekends, night shifts, Christmas ect. Maybe they can afford those cars.

MgoSam

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Re: Overheard at Work
« Reply #20248 on: May 15, 2018, 02:08:46 PM »
It was completely un-motivational to me when I heard this.  Most of the herd just nodded in agreement though.  Work to spend!  Work to spend!

That seems to be a winning mantra for management to preach to the workers. From their perspective it's not bad advice, I mean the more their workers owe the less they'll complain about the hours.

Linda_Norway

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Re: Overheard at Work
« Reply #20249 on: May 15, 2018, 02:10:59 PM »
My colleague: My children are still talking about that vacation in Norway, many years ago. Probably because we went camping that time. The kids like the things that we do when we go to Spain: being at the beach, hiring water scooters, visiting amusement parks. But it is the vacations in the homeland, fishing etc that create their memories...