Author Topic: Mustachian People Problems (just for fun)  (Read 1011263 times)

infogoon

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Re: Mustachian People Problems (just for fun)
« Reply #1250 on: May 06, 2015, 09:05:25 AM »
I need to replace some of my work wardrobe for spring/summer. I'm the wrong age and size to find much in the local Goodwill store, based on what I typically see there. Hopefully I'll be able to find some of the list at least.

I run into that problem as well. Thrift stores are great for t-shirts and stuff, but I've never found work clothing that fits me.


sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #1251 on: May 06, 2015, 09:16:01 AM »
I was $300 short of the net worth goal I thought I would hit this month. I can't complain to any of my friends that I only have $199,700.

Congrats on your $199,700, sheepstache! That's truly awesome. :)

Hee hee, thank you, jengod.

If I had said the exact same thing, but just ended it with "and all the money's going towards saving for a super fancy minivan" I'm 100% I wouldn't have gotten the face.   I probably would've gotten a "good for you, saving."   So, mentioning that you clearly have enough money to blow on something stupid like an un-needed car's okay, but mention that you're just socking it into investments?-taboo.

Yeah, really interesting observation.

plainjane

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Re: Mustachian People Problems (just for fun)
« Reply #1252 on: May 07, 2015, 02:58:06 PM »
I want my tax refund to be deposited already so that I can take my mortgage amortization below our magic number so that we will be done paying the mortgage before this term is up. 

The original mortgage was a 5 year fixed with 25 years amortization.  We renewed at 5 years variable with 10 years amortization.  Once this is done, we'll turbo-charge the investing so that we're comfortably FI (right now we're covered for variable expenses, but not property tax, travel or home maintenance), and then we'll blow a bunch of money on an indulgent kitchen (moving the backyard door to a logical location, venting the stove to the outside, etc.) & main floor structural overhaul.

(I had been considering doing the kitchen reno first with the firehose of extra cashflow, but recently gave myself a slap upside the head and the SO is aligned to get the investments in shape first.) 
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Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #1253 on: May 07, 2015, 04:04:38 PM »
I need to replace some of my work wardrobe for spring/summer. I'm the wrong age and size to find much in the local Goodwill store, based on what I typically see there. Hopefully I'll be able to find some of the list at least.
I'm the same way. The likelihood of something fitting me is so small, the payoff to digging through tons of stuff just isn't there. I've had better luck with consignment stores, possibly because they carry more of the brands that fit me bettter.
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Re: Mustachian People Problems (just for fun)
« Reply #1254 on: May 08, 2015, 02:29:35 AM »
People are always saying I 'need to' buy a new TV and if I give the answer 'but it's not broken' and 'I don't really use it a lot anyway' that only makes it worse.. People look at me like I'm crazy..



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Re: Mustachian People Problems (just for fun)
« Reply #1255 on: May 08, 2015, 03:43:21 AM »
I can no longer see a giant house with a huge truck, giant boat, and ridiculous-sized camper out front without wondering how much the people who 'own' them owe.

+1
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Maigahane

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Re: Mustachian People Problems (just for fun)
« Reply #1256 on: May 08, 2015, 07:41:45 AM »
I had to buy a new vacuum last week and conveniently had a 30% off thing for Kohls. So I went and got a great deal on a nice vacuum and got $30 in Kohl's cash. I went back last night to use it and only spent $20 of it since I couldn't find anything else worth getting to use up the last $10

Beaker

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Re: Mustachian People Problems (just for fun)
« Reply #1257 on: May 08, 2015, 08:23:44 AM »
My threats to frivolously waste money are no longer credible.

Joking around with wife this morning...

Me: I don't want to go to work. I think I'll quit. You should keep working though. I'll just be a kept man and make you give me a giant allowance.

Wife: Allowance? Pffft, whatever, you don't even spend any money. You'd probably just use it buy more Vanguard VT-Whatever.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #1258 on: May 08, 2015, 10:25:27 AM »
People are always saying I 'need to' buy a new TV and if I give the answer 'but it's not broken' and 'I don't really use it a lot anyway' that only makes it worse.. People look at me like I'm crazy..
Yeah. I had an old CRT television until last year. I was moving and everyone started telling me it was a perfect time to upgrade to a new TV so I wouldn't have to move the behemoth. I had to explain that I hadn't even turned it on in many months and rather than upgrade to a new one, I was upgrading to not having a television at all.
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Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #1259 on: May 08, 2015, 12:49:46 PM »
I had to buy a new vacuum last week and conveniently had a 30% off thing for Kohls. So I went and got a great deal on a nice vacuum and got $30 in Kohl's cash. I went back last night to use it and only spent $20 of it since I couldn't find anything else worth getting to use up the last $10

Socks!

Maigahane

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Re: Mustachian People Problems (just for fun)
« Reply #1260 on: May 08, 2015, 01:51:54 PM »
I had to buy a new vacuum last week and conveniently had a 30% off thing for Kohls. So I went and got a great deal on a nice vacuum and got $30 in Kohl's cash. I went back last night to use it and only spent $20 of it since I couldn't find anything else worth getting to use up the last $10

Socks!
I already have plenty and since I avoid actual shoes as much as possible I don't wear through them very fast. And I just bought DH a new pack so his drawer is overflowing too

Roots&Wings

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Re: Mustachian People Problems (just for fun)
« Reply #1261 on: May 09, 2015, 07:51:55 AM »
I had a major internal debate yesterday over whether to buy a $4 used copy of "The Tightwad Gazette", hardbound in perfect condition. I'd gotten it from the library previously and enjoyed parts of it.

The things we fret over at times!

sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #1262 on: May 09, 2015, 10:24:02 AM »
My threats to frivolously waste money are no longer credible.

Joking around with wife this morning...

Me: I don't want to go to work. I think I'll quit. You should keep working though. I'll just be a kept man and make you give me a giant allowance.

Wife: Allowance? Pffft, whatever, you don't even spend any money. You'd probably just use it buy more Vanguard VT-Whatever.

HA

NICE!

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Re: Mustachian People Problems (just for fun)
« Reply #1263 on: May 09, 2015, 11:17:55 AM »
I had a major internal debate yesterday over whether to buy a $4 used copy of "The Tightwad Gazette", hardbound in perfect condition. I'd gotten it from the library previously and enjoyed parts of it.

The things we fret over at times!

Seems like this would be one of those times that MMM would say to buy it and the worrying is missing the forest for the trees.

But, I don't know your personal situation!

jengod

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Re: Mustachian People Problems (just for fun)
« Reply #1264 on: May 09, 2015, 08:14:37 PM »
I had a major internal debate yesterday over whether to buy a $4 used copy of "The Tightwad Gazette", hardbound in perfect condition. I'd gotten it from the library previously and enjoyed parts of it.

The things we fret over at times!

The answer is Yes, you should buy a hard copy of the Tightwad Gazette! I bought a copy several years ago and regularly leaf through it for inspiration and tips I forgot since last time.
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Roots&Wings

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Re: Mustachian People Problems (just for fun)
« Reply #1265 on: May 10, 2015, 06:33:12 AM »
^ Indeed! I will definitely enjoy leafing through it and have already found a couple items I'd forgotten completely. It was a total surprise finding it unexpectedly in an antiques store (quick decisions are not my forte).

The debate was: Do I really want to own this, or should I just keep checking it out from the library? Is there more I can learn from this item when I'm already in decent shape financially?

Ultimately, my friend bought it as an early birthday gift since I'm difficult to buy gifts for and knew I'd enjoy it :)

2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #1266 on: May 10, 2015, 08:09:24 AM »
I had a major internal debate yesterday over whether to buy a $4 used copy of "The Tightwad Gazette", hardbound in perfect condition. I'd gotten it from the library previously and enjoyed parts of it.

The things we fret over at times!

The answer is Yes, you should buy a hard copy of the Tightwad Gazette! I bought a copy several years ago and regularly leaf through it for inspiration and tips I forgot since last time.

Absolutely agree.  Keep it in the bathroom and family members will come out with all kinds of great ideas.

In keeping with the spirit of the thread and the above discussion, I recently passed up a $1.00 copy of Justinian's Flea which I am kicking myself for not buying for the Hub.  I actually went back and looked for it but somebody smarter than I had snatched it up.

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #1267 on: May 11, 2015, 01:58:36 AM »
People are always saying I 'need to' buy a new TV and if I give the answer 'but it's not broken' and 'I don't really use it a lot anyway' that only makes it worse.. People look at me like I'm crazy..
Yeah. I had an old CRT television until last year. I was moving and everyone started telling me it was a perfect time to upgrade to a new TV so I wouldn't have to move the behemoth. I had to explain that I hadn't even turned it on in many months and rather than upgrade to a new one, I was upgrading to not having a television at all.

Nice!!! :) I think this will be me if the TV breaks down or if I have to move it.

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #1268 on: May 11, 2015, 02:58:14 AM »
People are always saying I 'need to' buy a new TV and if I give the answer 'but it's not broken' and 'I don't really use it a lot anyway' that only makes it worse.. People look at me like I'm crazy..

I can so relate. We had a recent family bereavement, and two or three family members said to me, "Great, you can have his flat screen TV!", and I'm like 1) show some respect 2) if I wanted a new TV I would have bought a new TV.

Why do people care so much what TV I have? I don't watch it much, it works fine...

2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #1269 on: May 11, 2015, 07:54:16 AM »
We have a flat screen TV and free cable.  We have just never bothered to put the two together.  Much more fun to rebuild the 1990's stereo we found a t a yard sale.

wtjbatman

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Re: Mustachian People Problems (just for fun)
« Reply #1270 on: May 14, 2015, 10:06:33 PM »
Mentioned to my wife's cousin that we put 20% of my pay into my 401k, "Must be nice." Er... it is? I guess? Good thing I didn't tell her that I intend to ramp it up to max once the rest of our debt is paid off!

RelaxedGal

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Re: Mustachian People Problems (just for fun)
« Reply #1271 on: May 15, 2015, 06:44:27 PM »
I realized/discovered last week that I can use Windows Media Center and our HD Home Run to record TV shows on my computer.  Whee!  I was so excited, and started queuing up shows... until I realized I'd never get around to watching any because we never watch TV.  I turned off the computer and got back to my book.

mozar

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Re: Mustachian People Problems (just for fun)
« Reply #1272 on: May 16, 2015, 12:58:35 PM »
My company changed hsa providers. So now I have 1k in an old hsa. I don't have my signature on file with the old hsa. The old hsa says that I have to go to a bank and get a medallion stamp (not a notary) to guarantee my signature on the withdrawal paperwork.
I went to the credit union near my job but they won't do it because I'm not a member. I went to my credit union but they are too small to have a medallion. Now I have to call the old hsa to see if I can send in my signature (they said no last time). Only other option is to spend it down, but I don't have 1k worth of medical expenses. Bah!
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Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #1273 on: May 16, 2015, 04:36:21 PM »
Picked up Eggs at grocery store (used my backpack / cycling) then put eggs into fridge.  Later, I put my laptop in my backpack, to run another errand, and an "egg escapee" from the carton was lingering in the bottom and smashed all over my electronics.   argh.  Gotta bring a plastic bag next time!

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Re: Mustachian People Problems (just for fun)
« Reply #1274 on: May 16, 2015, 07:15:12 PM »
Picked up Eggs at grocery store (used my backpack / cycling) then put eggs into fridge.  Later, I put my laptop in my backpack, to run another errand, and an "egg escapee" from the carton was lingering in the bottom and smashed all over my electronics.   argh.  Gotta bring a plastic bag next time!

Ugh. Plastic bag around eggs is a safer bet, but at the very least get in the habit of opening each carton to make sure all eggs are intact and accounted for.
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Re: Mustachian People Problems (just for fun)
« Reply #1275 on: May 16, 2015, 07:34:33 PM »
^ Indeed! I will definitely enjoy leafing through it and have already found a couple items I'd forgotten completely. It was a total surprise finding it unexpectedly in an antiques store (quick decisions are not my forte).

The debate was: Do I really want to own this, or should I just keep checking it out from the library? Is there more I can learn from this item when I'm already in decent shape financially?

Ultimately, my friend bought it as an early birthday gift since I'm difficult to buy gifts for and knew I'd enjoy it :)

That sounds like a best friend worth keeping!   
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dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1276 on: May 16, 2015, 10:55:17 PM »
Put a $500 tax refund directly to an Amazon gift card, since they add $50. The problem: now I really don't buy much on Amazon anymore. Or anywhere.

That's how they get you.  That and the free breadsticks.

Squirrel away

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Re: Mustachian People Problems (just for fun)
« Reply #1277 on: May 17, 2015, 05:35:29 AM »
When the lunchtime conversation turns to expensive vacations, new SUVs, and credit card debt, I just sit there like a lump. :)

seriously really a issue for me at work. I explain FI then i get these looks. i hear after the fact that i am "full of myself" and "think i am better then everyone"

They are probably just jealous.:)

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #1278 on: May 19, 2015, 11:25:10 AM »
Put a $500 tax refund directly to an Amazon gift card, since they add $50. The problem: now I really don't buy much on Amazon anymore. Or anywhere.

That's how they get you.  That and the free breadsticks.
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hoosier

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Re: Mustachian People Problems (just for fun)
« Reply #1279 on: May 20, 2015, 08:53:33 AM »
My credit card statement now includes my credit score.  My score is 806.  My score is being drug down by having no recent non-mortgage loans.  Sigh.

Sam E

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Re: Mustachian People Problems (just for fun)
« Reply #1280 on: May 20, 2015, 10:34:01 AM »
My credit card statement now includes my credit score.  My score is 806.  My score is being drug down by having no recent non-mortgage loans.  Sigh.

Credit scores are such a silly thing. I've known a couple people who paid off car loans and lost ~20 points on their credit score as soon as the loan account closed. Seems like the credit bureaus reward credit reliance rather than actual responsibility.

Roots&Wings

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Re: Mustachian People Problems (just for fun)
« Reply #1281 on: May 20, 2015, 10:56:42 AM »
My credit card statement now includes my credit score.  My score is 806.  My score is being drug down by having no recent non-mortgage loans.  Sigh.

Mine too! The credit score must be a new feature roll out. My credit score apparently dropped to 796 because I recently opened 2 new credit cards for the $200 sign up bonuses ($400 total), which is the best cash bonus I've found recently...what happened to the good ol' days of $250 and up cash bonuses?
« Last Edit: May 20, 2015, 10:58:55 AM by step-in-time »

hoosier

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Re: Mustachian People Problems (just for fun)
« Reply #1282 on: May 20, 2015, 11:05:50 AM »
My credit card statement now includes my credit score.  My score is 806.  My score is being drug down by having no recent non-mortgage loans.  Sigh.

Credit scores are such a silly thing. I've known a couple people who paid off car loans and lost ~20 points on their credit score as soon as the loan account closed. Seems like the credit bureaus reward credit reliance rather than actual responsibility.

I agree.  I don't care what my credit score is.  Just find it funny that my creditworthiness is reduced by owing other people money.

When my newlywed BIL paid off his wife's student loans and car his credit score went to 0.  Now they can't get a loan for a house. 
« Last Edit: May 20, 2015, 11:07:48 AM by hoosier »

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #1283 on: May 20, 2015, 12:41:38 PM »
My adult daughter complains about our "exfoliating towels" -- yeah, I guess they're a little stiff from hanging on the line to dry!

Cinder

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Re: Mustachian People Problems (just for fun)
« Reply #1284 on: May 20, 2015, 01:35:33 PM »

My company has "wellness challenges" for physical, emotional, and financial wellness.  This month's challenge is to cut unhealthy costs like buying soda, fast food, and cigarettes--I wasn't sure how to participate.

I can see this one being a problem for me! Love it.
You look at it wrongly. I woudl say: Hm... i do nothing of this - so I have already won! Where is my price, boss?

Yep!  I ended up saying I was doing the challenge by turning over my two rental properties this month and planning to do all the cleaning and fix ups myself.  The expense of paying someone else to do it would be "unhealthy" right?  ;)

I had a similar wellness challenge this month.. wellness bingo.  I already met the criteria for 2 different bingo's with my normal activities!

Cinder

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Re: Mustachian People Problems (just for fun)
« Reply #1285 on: May 20, 2015, 02:06:39 PM »
My coworkers are talking about how awesome it was to refinance their houses for another 30 year term and pull out the current equity in cash. I paid off my mortgage 20 years early, so I have nothing to contribute to the conversation.

I was paying off my mortgage early (was on a 15 year at 4.5%), I did a cash out refi after getting married to pay off my wife's grad school debt, and went down to a 2.85%.  I almost wish I had gone for a 30 year, and put a bunch more money into investments.. (note, right now we're both maxing out our Roth's and I'm throwing 20% at my 401k)

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Re: Mustachian People Problems (just for fun)
« Reply #1286 on: May 20, 2015, 05:42:26 PM »
Related to the wellness challenge posts, our company has a rewards program for car pooling and alternative transportation methods (Bike, bus, etc.).  They give points for using these transportation alternatives and track driving miles saved.  All well and good. 

But, I work from home.  My "commute" is about a 15 foot walk (in slippers).  When I tried to enter my data, they did not know what to do with it.  The program is intended to reduce commuting miles but the ultimate reduction, eliminating my commute entirely, does not count.

TravelJunkyQC

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Re: Mustachian People Problems (just for fun)
« Reply #1287 on: May 21, 2015, 02:47:20 PM »
I'm looking into getting a new credit card for travel/cash-back rewards. While exploring the possibilities, and getting all excited about sign-up bonuses, I've realized that I don't even spend the minimum $1000 over 3 months for most sign-up bonuses...

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #1288 on: May 23, 2015, 12:57:29 PM »
I just changed credit cards - I had a low-interest annual fee one - I pay off the card in full, so why have an annual fee?  I called and changed cards - got a fancy card (high rewards for Canada) with a minimum income requirement, for free (one year no fee, then a whopping fee, but a year from now I will just change cards again).

It feels good to get something that is sort of a deal here in Canada, all the real goodies for CCs seem to be in the U.S.

Anyway, you may be able to find a good card with no minimum purchases needed, my fancy one doesn't require a minimum spend.  I suppose the CC thinking on mine is that a decent income => high spending.


(Oh, and no face punches for the previous card, it was better for me while I was getting the balance down, but now that I am consistently at zero it was time to change).

I'm looking into getting a new credit card for travel/cash-back rewards. While exploring the possibilities, and getting all excited about sign-up bonuses, I've realized that I don't even spend the minimum $1000 over 3 months for most sign-up bonuses...
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markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #1289 on: May 25, 2015, 09:22:27 AM »
5% run-up in net worth of last few months = entire mortgage remaining. 
the only thing stopping me is that I'd have to take it out of taxable (1/3 of  net worth).

the Mustachian People Problem? 
       The agonzing over the temptation and my indecision. 
       Also the foreknowledge that if/when NW goes down by that%, I'll be irritated with my former self.

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Re: Mustachian People Problems (just for fun)
« Reply #1290 on: May 25, 2015, 09:29:37 AM »
Trying to decide whether to sell some of my vast wealth to buy some other form of investment that might increase my vast wealth even more.

forummm

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Re: Mustachian People Problems (just for fun)
« Reply #1291 on: May 25, 2015, 09:31:26 AM »
Deciding whether working another year in my 30's is worth it or not since I don't actually need the money. Is my job enjoyable enough in its own right to merit my time? Should I even go to those boring meetings anymore or just keep working on the stuff I want to. Such hard choices.

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #1292 on: May 26, 2015, 03:35:34 PM »
Your parents insisting on paying you some money back for a weekend trip that you bought for them, because you spent such a lot of money...

They are quite frugal and pretty well off, however compared to their pension, I consider myself filthy rich. The money I spent on the gift is not even 20% of what I dump into my mortgage on a monthly basis, in addition to the regular payments. I felt quite embarassed and found it hard to accept it, but also do not want to disclose how "well off" I am. I graciously declined it, joking that that is not how it works with gifts, that I give the gift and it stays given.

Parents love giving you a little extra, that does not stop when you are all grown up. But I want to turn this around and start pampering them, but how do you do that without disclosing you have more money coming in than they do?

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #1293 on: May 26, 2015, 03:56:16 PM »
My adult daughter complains about our "exfoliating towels" -- yeah, I guess they're a little stiff from hanging on the line to dry!
Ha!  I would complain too!  In order to combat the stiffness problem, I put a bit of white vinegar in the wash and give the towels a quick shake before I hang them to dry. 

My husband complains about his stiff jeans so much that I've had to dry them.  Luckily a small load of two pairs of jeans dries quickly. 

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #1294 on: May 26, 2015, 04:06:47 PM »
When the daily swing on your taxable investment account (having filled all the tax free options) is large than the amount you were going to contribute

 - and knowing you shouldn't time the marker but ......

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #1295 on: May 26, 2015, 04:20:00 PM »
My adult daughter complains about our "exfoliating towels" -- yeah, I guess they're a little stiff from hanging on the line to dry!
Ha!  I would complain too!  In order to combat the stiffness problem, I put a bit of white vinegar in the wash and give the towels a quick shake before I hang them to dry. 

My husband complains about his stiff jeans so much that I've had to dry them.  Luckily a small load of two pairs of jeans dries quickly.


Roll them tightly, set them on the bed, and sit in them a couple of times. Gets the stiffness out of jeans.

Geostache

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Re: Mustachian People Problems (just for fun)
« Reply #1296 on: May 27, 2015, 09:25:43 AM »
I have two:

At a family dinner, a relative 'encouraged' me to pay off my student loans. When I responded that I get a higher return in my investments than I pay in interest on my loans, I was met with blank stares.

My 12 year old, 92,000 mile car went into the shop for a timing belt replacement. At ~$2k, it wasn't a cheap repair. The repair rep seemed confused that I would pay for the repair rather than get a new car. "At some point, you're going to have to come to the decision that it's not worth dropping more money into this car." Timing belts are supposed to be good for 10 years. Um, no thanks. I'll keep driving my low (for its age) mileage car. Maybe I'll consider replacing it when the timing belt needs to be replaced again. In another 12 years.

Roots&Wings

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Re: Mustachian People Problems (just for fun)
« Reply #1297 on: May 27, 2015, 09:53:26 AM »
My 12 year old, 92,000 mile car went into the shop for a timing belt replacement. At ~$2k, it wasn't a cheap repair. The repair rep seemed confused that I would pay for the repair rather than get a new car. "At some point, you're going to have to come to the decision that it's not worth dropping more money into this car." Timing belts are supposed to be good for 10 years. Um, no thanks. I'll keep driving my low (for its age) mileage car. Maybe I'll consider replacing it when the timing belt needs to be replaced again. In another 12 years.

+1 Family keeps asking when I'll get a new car (also 12 years old and will soon hit 92,000 miles). No time soon :)

Also weighing whether to drop collision insurance coverage now that the replacement value is around $6.5k. Cost is $88/yr with a $500 deductible, and would only be useful if I was the at-fault driver or the at-fault driver has no insurance. Insurance guy advised once I reach 250k miles or the replacement value is 'nominal'. Decisions, decisions!

Arktinkerer

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Re: Mustachian People Problems (just for fun)
« Reply #1298 on: May 27, 2015, 10:23:34 AM »
Also weighing whether to drop collision insurance coverage now that the replacement value is around $6.5k. Cost is $88/yr with a $500 deductible, and would only be useful if I was the at-fault driver or the at-fault driver has no insurance. Insurance guy advised once I reach 250k miles or the replacement value is 'nominal'. Decisions, decisions!

Dang man!  Where do you get your insurance?!  Ours costs way more than that and I've shopped around every year for the last several years. 

Roots&Wings

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Re: Mustachian People Problems (just for fun)
« Reply #1299 on: May 27, 2015, 10:40:30 AM »
Also weighing whether to drop collision insurance coverage now that the replacement value is around $6.5k. Cost is $88/yr with a $500 deductible, and would only be useful if I was the at-fault driver or the at-fault driver has no insurance. Insurance guy advised once I reach 250k miles or the replacement value is 'nominal'. Decisions, decisions!

Dang man!  Where do you get your insurance?!  Ours costs way more than that and I've shopped around every year for the last several years.

So $88/yr is only the collision coverage portion...the remaining insurance coverage (PIP, bodily injury, property damage, etc) adds up to $638/yr.