Author Topic: Mustachian People Problems (just for fun)  (Read 1156066 times)

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #1300 on: May 27, 2015, 11:30:51 AM »
Wow, low mileage!  I have a 2010 and it is at about 185,000 km (about 115,000 miles). If it is mechanically sound and the body is in good shape, and it meets your needs, why change?

+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 :)

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Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #1301 on: May 27, 2015, 11:39:39 AM »
Wow, low mileage!  I have a 2010 and it is at about 185,000 km (about 115,000 miles). If it is mechanically sound and the body is in good shape, and it meets your needs, why change?

+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 :)


yeah. got a 2006 with 91k on it. it's a coupe though, so it may need to grow a coupe-le of doors in the next few years.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #1302 on: May 27, 2015, 03:52:05 PM »
I understand - I traded in what would have otherwise been a keeper because it was a sedan, and I needed the hatchback.  Even though I actually drive a lot in retirement (country living does that) I am still putting on way less mileage than when I was working.  This one should do another 5 years easy (or more).

Wow, low mileage!  I have a 2010 and it is at about 185,000 km (about 115,000 miles). If it is mechanically sound and the body is in good shape, and it meets your needs, why change?



yeah. got a 2006 with 91k on it. it's a coupe though, so it may need to grow a coupe-le of doors in the next few years.
The measure of civilization is how people treat one another.

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MrsMadHobo

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Re: Mustachian People Problems (just for fun)
« Reply #1303 on: May 29, 2015, 08:49:41 AM »
My husband and I have no issue writing a $5k check for a high risk investment in a startup company, but have been agonizing over buying a $300 kayak.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1304 on: May 29, 2015, 09:02:30 AM »
My husband and I have no issue writing a $5k check for a high risk investment in a startup company, but have been agonizing over buying a $300 kayak.

Is it a used one? Because otherwise, I'd think most $300 kayaks are junk...

But if you are getting a deal on a nice kayak- do it!  Kayaking is awesome.

RelaxedGal

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Re: Mustachian People Problems (just for fun)
« Reply #1305 on: May 29, 2015, 07:23:26 PM »
My husband and I have no issue writing a $5k check for a high risk investment in a startup company, but have been agonizing over buying a $300 kayak.

I can relate.  No problem paying $20,000 for solar panels (projected break even: 5.5 years after tax incentives, sale of renewable energy credits), but we just switched from Comcast to Verizon Fios for internet and my husband wanted to pay $15/month for cable.  Set it to auto-pay and we'd blithely pay it, but that's $180/year!  I told him no, we'd just stream things or *gasp* pay $3 an episode.  And he and I both know we would never, ever pay $3 an episode because that feels so wrong. 

The smaller the item, the more I agonize over it.

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #1306 on: May 29, 2015, 09:49:11 PM »
Work screwed up my payroll deposit ... computers-meh......
Much panic and rushing around because they couldn't get a check printed before monday, offering to go to the bank etc.

So - no problem, just add it to next month,
But you will need the money !

I make $100K, who makes $100K and can't skip a pay check ?
Didn't want to tell them that every other pay check goes straight into Vanguard and a fair slice of the other goes into a cash account. 
 


marty998

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Re: Mustachian People Problems (just for fun)
« Reply #1307 on: May 29, 2015, 10:07:21 PM »
Whenever I buy something with my credit card, I just pay the bill immediately.  But whenever I return something and get a refund, I then get a credit on my cc account, and it just sits there for months and months until they finally send me a paper check for the balance :(

Thats not a very bright thing to do.

You should take maximum advantage of the interest free period, and use the excess funds for more productive purposes.

Then pay the balance on the card the day before the due date.

Thegoblinchief

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Re: Mustachian People Problems (just for fun)
« Reply #1308 on: May 30, 2015, 06:06:00 AM »
Whenever I buy something with my credit card, I just pay the bill immediately.  But whenever I return something and get a refund, I then get a credit on my cc account, and it just sits there for months and months until they finally send me a paper check for the balance :(

Thats not a very bright thing to do.

You should take maximum advantage of the interest free period, and use the excess funds for more productive purposes.

Then pay the balance on the card the day before the due date.

Or set it up to auto pay. Haven't figured out how to do this with my newest cc, but my main cc pays balance in full every due date on the due date. In today's environment, the interest arbitrage is barely anything, but I'd still rather have one debit hit my checking instead of a bunch of smaller ones. Makes for easier record-keeping if nothing else.
If you want to just follow my urban homestead or see more pictures than I post on MMM: https://www.facebook.com/Ikillfluffybunnies/

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“The greatest change we need to make is from consumption to production, even if on a small scale, in our own gardens. If only 10% of us do this, there is enough for everyone. Hence the futility of revolutionaries who have no gardens, who depend on the very system they attack, and who produce words and bullets, not food and shelter.” - Bill Mollison

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #1309 on: May 30, 2015, 06:06:05 AM »
I keep seeing this, but I am not sure it is always the best route.

My monthly expenses are not that large.  The amount that I am losing by paying off my card regularly is very small.  I regard this as simply keeping a float - people do a month's worth of float using YNAB, if I understand it correctly, so I don't see this as any different.

Now if you had $10,000 on that CC, it would be different!


Thats not a very bright thing to do.

You should take maximum advantage of the interest free period, and use the excess funds for more productive purposes.

Then pay the balance on the card the day before the due date.
The measure of civilization is how people treat one another.

http://forum.mrmoneymustache.com/meetups-and-social-events/ontario's-own-camp-mustache-2017/ - MEET US THERE!

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #1310 on: May 30, 2015, 06:17:20 AM »
The only time I ever go to the bank is to deposit cash. between fiancee and I, we seem to gather more cash than we spend by a large margin, so it's about once a month. When I do go to the bank, the teller always tries to get me to open a savings account (so I can have my money earning the same as in the checking account?) or take out a personal loan, maybe upgrade the car. But I always ask what for. Everything I've got works fine. I'm already engaged and that didn't even break the bank in the slightest. I was also reminded that I have been a customer of this bank for 20 years (I had an account through Wachovia from when I was 5 until I changed it to non custodial at 18). I also seem to qualify for every credit card ever, to the surprise of the tellers. I also don't go for anything as there's no point. If I wanted it, I'd come to them (most likely do it online) not the other way around.

Assumed to be poor with money like 99% of Americans. 1% people problems.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #1311 on: May 30, 2015, 08:58:43 AM »
The only time I ever go to the bank is to deposit cash.

I went to the teller at my bank for something a few months ago and she was concerned that I had too much money in my account. That's gotta be an MPP... ;-) 
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luna

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Re: Mustachian People Problems (just for fun)
« Reply #1312 on: May 30, 2015, 10:42:53 AM »
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.

Don't wash your jeans.

https://www.youtube.com/watch?v=MQXyvMSyEos

MoneyCat

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Re: Mustachian People Problems (just for fun)
« Reply #1313 on: May 30, 2015, 01:40:03 PM »
I'm a little tired after teaching martial arts classes this morning, so I'm hanging out on the couch trying to earn some Swagbucks for filling out surveys.  The problem is that I don't qualify for any surveys because I never buy anything.  I guess this is the dark side of Mustachianism.  *sigh*

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #1314 on: May 30, 2015, 02:03:14 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.
You don't have to dry them entirely using the dryer to get the effect. I hang-dry all my clothes, but since my apartment complex doesn't permit laundry outside in the free softening breeze and free disinfecting sun, they're stiff when they come off the rack. So I put already-dry towels and washcloths in my dryer on heatless tumble for about five minutes - they come out quite nice and it uses a tiny fraction of a real dry cycle. (I also use a bit of vinegar in most washes for odor & oil reasons, though I've not observed a textural difference.)

Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #1315 on: May 30, 2015, 02:10:57 PM »
The only time I ever go to the bank is to deposit cash. between fiancee and I, we seem to gather more cash than we spend by a large margin, so it's about once a month. When I do go to the bank, the teller always tries to get me to open a savings account (so I can have my money earning the same as in the checking account?) or take out a personal loan, maybe upgrade the car. But I always ask what for. Everything I've got works fine. I'm already engaged and that didn't even break the bank in the slightest. I was also reminded that I have been a customer of this bank for 20 years (I had an account through Wachovia from when I was 5 until I changed it to non custodial at 18). I also seem to qualify for every credit card ever, to the surprise of the tellers. I also don't go for anything as there's no point. If I wanted it, I'd come to them (most likely do it online) not the other way around.

Assumed to be poor with money like 99% of Americans. 1% people problems.
WF is notorious for pushing products onto their customers.

http://www.latimes.com/business/la-fi-wells-fargo-sale-pressure-20131222-story.html#page=1


PMG

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Re: Mustachian People Problems (just for fun)
« Reply #1316 on: May 30, 2015, 02:13:33 PM »
Not really a problem, but not relevant for me.  My credit card company keeps suggesting I download a new app so I have "up to the minute" knowledge of my spending.  Perhaps this makes sense for people with shared cards?  or if you are like many people I know how max everything out every month. But, I know how much I spend. As a reasonably intelligent person I can even remember what I spend from one minute to the next!  I use credit cards as part of a balanced budget.  I pay them off each month.  I never approach my limit.  I check my cards fairly often using the plain old normal app just to keep an eye out for anything suspicious. Why do I need a second app?

I have had a few interesting conversations recently where friends cautioned me against using credit cards.  They've switched to cash to help control their spending.  I'm glad it works for them.  The conversation hasn't turned deep enough for me to actually tell them that I have no debt.

Merrie

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Re: Mustachian People Problems (just for fun)
« Reply #1317 on: May 30, 2015, 05:19:25 PM »
I weaned myself off buying junk food at work. Now when I eat chips or a candy bar it tastes wrong and I'm like "Why'd I eat that?" So if I'm bummed out and think a candy bar would cheer me up, I have to keep reminding myself that I'll just get ticked off if I eat it.

mozar

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Re: Mustachian People Problems (just for fun)
« Reply #1318 on: May 30, 2015, 06:43:49 PM »
I've been frontloading my 401k for the past 5 months. June will be my last month. I will be so sad in July when my taxes go up :(
Embracing the absurd condition of human existence while also defiantly continuing to explore and search for meaning

Thegoblinchief

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Re: Mustachian People Problems (just for fun)
« Reply #1319 on: May 31, 2015, 05:26:32 AM »
I weaned myself off buying junk food at work. Now when I eat chips or a candy bar it tastes wrong and I'm like "Why'd I eat that?" So if I'm bummed out and think a candy bar would cheer me up, I have to keep reminding myself that I'll just get ticked off if I eat it.

Chips usually still taste good to me when I have them (rarely) but 99% of candy is disgusting these days. The only thing I occasionally crave is nice, super-dark chocolate.

I've noticed that my sweetness threshold is much, much lower. I've modified quite a few recipes to have less sugar (except where the sugar is critical for texture)  and find they taste just as sweet.
If you want to just follow my urban homestead or see more pictures than I post on MMM: https://www.facebook.com/Ikillfluffybunnies/

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“The greatest change we need to make is from consumption to production, even if on a small scale, in our own gardens. If only 10% of us do this, there is enough for everyone. Hence the futility of revolutionaries who have no gardens, who depend on the very system they attack, and who produce words and bullets, not food and shelter.” - Bill Mollison

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #1320 on: May 31, 2015, 12:45:44 PM »
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 find myself in the other spectrum :P My SiL had a 40 inch flatscreen which she didn't use because her boyfriend moved in so DW asked me to swap it with our 32 inch. After a few days the 40 inch started flickering (brightness) which is appearently a know issue with this type. I solved it by setting the brightness to its minimum, I have no problems with this since I only use it in the evenings but appearently my visitors find my lack of resolving this problem annoying.

A bit later I suggest to DW to swap back the 40 inch for the 32 inch because at least that one worked fine but she didn't want to scale back in size... Luckily, she doesn't notice nor mind the super low brightness setting...
Everything I say is my personal opinion which is based on my subjective experience.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #1321 on: June 01, 2015, 10:42:20 AM »
Rolled over a 401-K because of a new job (husband) and when he handed over the check he told them what funds to invest in.  Somehow that info got "lost" so 2 weeks later I had to go in to the website and manually buy the funds. 

Ah well, at least the stock market hasn't done much during the time the money wasn't invested.  I was sort of hoping it would go down a bit :-)

dorothyc

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Re: Mustachian People Problems (just for fun)
« Reply #1322 on: June 01, 2015, 11:57:11 AM »

You don't have to dry them entirely using the dryer to get the effect. I hang-dry all my clothes, but since my apartment complex doesn't permit laundry outside in the free softening breeze and free disinfecting sun, they're stiff when they come off the rack.

You might be able to challenge that - I believe clothesline bans are against the law in Texas:

http://daily.sightline.org/2012/02/21/clothesline-bans-void-in-19-states/

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #1323 on: June 02, 2015, 08:55:58 AM »
Forgot to put the trash out last night.  Rushed down this morning to get it out and discovered that the bin was empty.  Checked around the house and couldn't fill up one bag.

Many of my neighbors have the biggest bin filled to overflowing every week.  I have the smallest and usually only have a single bag in it.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1324 on: June 02, 2015, 08:59:46 AM »
My neighbors add bags to my trashcan most weeks.

I've told them its okay.  We rarely have more than 1 bag a week and the trashcan sticker is paid yearly, so it makes no difference if it is full or empty.  (If you have more than what fits in your can, you have to buy tags and pay per bag.)


We recently found out we don't have to have a trashcan before. It will save us some (not much, but a tiny bit) money to pay per bag, so I think we will switch to that next year.
« Last Edit: June 02, 2015, 09:01:17 AM by iowajes »

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #1325 on: June 02, 2015, 10:16:44 AM »
My roommate and I generate garbage at a rate that allows us to take out the can every 2-3 weeks. However, it's warming up, so the trash can is starting to smell up the garage so we have to remember to take it out every week.  (Yes, I know I need to wash it. Feel free to come do it for me).

Slam

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Re: Mustachian People Problems (just for fun)
« Reply #1326 on: June 02, 2015, 11:33:47 AM »
I'm hanging out on the couch trying to earn some Swagbucks for filling out surveys.  The problem is that I don't qualify for any surveys because I never buy anything.  I guess this is the dark side of Mustachianism.  *sigh*

Seriously, I have the same problem!  I've heard great things about Swagbucks, but I just don't qualify for any of the surveys.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #1327 on: June 02, 2015, 11:43:02 AM »

Seriously, I have the same problem!  I've heard great things about Swagbucks, but I just don't qualify for any of the surveys.

I get survey's about my investments at least every other day.  They are always long and a pain in the ass though...

I get kicked out of a lot of them for not buying enough junk or having TV though.  Since I'm pregnant now, I'm getting more about that.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1328 on: June 02, 2015, 12:24:18 PM »
Not really a problem, but not relevant for me.  My credit card company keeps suggesting I download a new app so I have "up to the minute" knowledge of my spending.  Perhaps this makes sense for people with shared cards?  or if you are like many people I know how max everything out every month. But, I know how much I spend. As a reasonably intelligent person I can even remember what I spend from one minute to the next!  I use credit cards as part of a balanced budget.  I pay them off each month.  I never approach my limit.  I check my cards fairly often using the plain old normal app just to keep an eye out for anything suspicious. Why do I need a second app?

I have had a few interesting conversations recently where friends cautioned me against using credit cards.  They've switched to cash to help control their spending.  I'm glad it works for them.  The conversation hasn't turned deep enough for me to actually tell them that I have no debt.

Eh, I have my cc company send me a text for every purchase.  That helps me know quockly if a fraudulent charge happens.  It also let's me immediately check that the total was keyed in correctly (some places use those little readers where it's easy to mistype the total, and if it's small they don't ask me to sign.  Getting a text is easier than asking for a copy of the credit slip)


But!  I'm not sure why ou would need two apps.

Thegoblinchief

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Re: Mustachian People Problems (just for fun)
« Reply #1329 on: June 02, 2015, 01:25:53 PM »
I'm hanging out on the couch trying to earn some Swagbucks for filling out surveys.  The problem is that I don't qualify for any surveys because I never buy anything.  I guess this is the dark side of Mustachianism.  *sigh*

Seriously, I have the same problem!  I've heard great things about Swagbucks, but I just don't qualify for any of the surveys.

If you have a spare screen, do the encrave activities on discovery mode. My wife typically had one of these running on either her laptop or phone pretty much 24/7 while awake. But it's still only $15 or so each month, so it's not as if it's a big deal.

Before that she tried the surveys and had the same issue with never qualifying.
If you want to just follow my urban homestead or see more pictures than I post on MMM: https://www.facebook.com/Ikillfluffybunnies/

If you want urban homesteading with the money and other personal details:
https://forum.mrmoneymustache.com/journals/food-forest-lagomorphs-and-tiny-dinos-in-the-city/

“The greatest change we need to make is from consumption to production, even if on a small scale, in our own gardens. If only 10% of us do this, there is enough for everyone. Hence the futility of revolutionaries who have no gardens, who depend on the very system they attack, and who produce words and bullets, not food and shelter.” - Bill Mollison

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #1330 on: June 06, 2015, 01:24:33 AM »
...(dumb laundry rules at my apartment)...

You might be able to challenge that - I believe clothesline bans are against the law in Texas:

http://daily.sightline.org/2012/02/21/clothesline-bans-void-in-19-states/
LINK APPRECIATED. As soon as I have the money and a backup plan on where to live I'm going to get noisy about that. Until then I'm trying to be a painless tenant and look good by comparison (look, nobody has ever had to call the cops on me, no inexplicable holes in the wall or carpet, no smoke rings on the ceiling, ain't I somethin'!!) so I can keep my rent down.
My aspiration, once I've FIREd and found somewhere I want to be long-haul, is to buy a house where I can fence the backyard in, uproot the lawn for veggies, and dry any clothes I want. Even big bedsheets. In the meanwhile, for those in no-right-to-dry states or unfriendly HOAs, opening two windows generates a great crossbreeze and the clothes dry quick.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #1331 on: June 06, 2015, 04:37:52 AM »
...(dumb laundry rules at my apartment)...

You might be able to challenge that - I believe clothesline bans are against the law in Texas:

http://daily.sightline.org/2012/02/21/clothesline-bans-void-in-19-states/
LINK APPRECIATED. As soon as I have the money and a backup plan on where to live I'm going to get noisy about that. Until then I'm trying to be a painless tenant and look good by comparison (look, nobody has ever had to call the cops on me, no inexplicable holes in the wall or carpet, no smoke rings on the ceiling, ain't I somethin'!!) so I can keep my rent down.
My aspiration, once I've FIREd and found somewhere I want to be long-haul, is to buy a house where I can fence the backyard in, uproot the lawn for veggies, and dry any clothes I want. Even big bedsheets. In the meanwhile, for those in no-right-to-dry states or unfriendly HOAs, opening two windows generates a great crossbreeze and the clothes dry quick.


Check the law itself - if I'm reading right, the Texas law applies to HOAs but may not apply to apartment complexes.

ambimammular

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Re: Mustachian People Problems (just for fun)
« Reply #1332 on: June 06, 2015, 07:13:35 AM »
I know that putting my extra cash into long term stocks makes the most financial sense, but not paying off our low interest rate student loan is like the itch that I just can't scratch!

 

Dances With Fire

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Re: Mustachian People Problems (just for fun)
« Reply #1333 on: June 06, 2015, 10:16:42 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"

I love how it's ok to brag about spending money like a drunken sailor while trying to one-up each other on status symbols, but as soon as you hint in any way that you save money, the 'you think you're better than us' attitude comes out.

^This!!!  Exactly Sean, this is why I no longer discuss saving & investing a work. (Or around family for that matter.)

link_417

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Re: Mustachian People Problems (just for fun)
« Reply #1334 on: June 06, 2015, 08:36:00 PM »
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?

I'm not in a position to make monetary gifts now, but when I'm FI in the future I would like to pay back some people who have supported and encouraged me through the years.  Like you, I'm not sure how to go about it without raising some questions about my financial situation -- someone's bound to mention to so-and-so that I gave them X amount and it'll be revealed that I also gave X to someone else and so on...

mozar

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Re: Mustachian People Problems (just for fun)
« Reply #1335 on: June 06, 2015, 09:40:31 PM »
If I don't find a roommate soon, I'll "only" be able to save $31k this year.
Embracing the absurd condition of human existence while also defiantly continuing to explore and search for meaning

Arktinkerer

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Re: Mustachian People Problems (just for fun)
« Reply #1336 on: June 08, 2015, 08:21:50 AM »
This thread reminded me of an issue I had some years back.

Work offered to put everyone who increased their 401K contributions in for a drawing of some sort of prize.  I think it was a weekend getaway somewhere in state.  I called and complained that I was already maxing out my 401K contributions and this made me ineligible.  For some reason that didn't get me any traction...

hoosier

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Re: Mustachian People Problems (just for fun)
« Reply #1337 on: June 08, 2015, 09:41:28 AM »
Work screwed up my payroll deposit ... computers-meh......
Much panic and rushing around because they couldn't get a check printed before monday, offering to go to the bank etc.

So - no problem, just add it to next month,
But you will need the money !

I make $100K, who makes $100K and can't skip a pay check ?
Didn't want to tell them that every other pay check goes straight into Vanguard and a fair slice of the other goes into a cash account.

We recently went from monthly pay to weekly.  A lot of folks had a hard time making the switch...on 4 months  notice.  Sigh.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #1338 on: June 08, 2015, 09:56:48 AM »
Work screwed up my payroll deposit ... computers-meh......
Much panic and rushing around because they couldn't get a check printed before monday, offering to go to the bank etc.

So - no problem, just add it to next month,
But you will need the money !

I make $100K, who makes $100K and can't skip a pay check ?
Didn't want to tell them that every other pay check goes straight into Vanguard and a fair slice of the other goes into a cash account.

We recently went from monthly pay to weekly.  A lot of folks had a hard time making the switch...on 4 months  notice.  Sigh.

Wow. I can't imagine being upset about more frequent paychecks!

mohawkbrah

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Re: Mustachian People Problems (just for fun)
« Reply #1339 on: June 08, 2015, 10:40:57 AM »
not so much a  problem but...


when i was on the phone to my ISA(Uk version of ROTH) stock broker, the young lady asked my birth date for security clarification, i told her. and she sounded shocked when she said, so... you're 19?

and i just promptly say "yep"

probably a rare case for her to hear someone young with an investment account XD :D
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MEJG

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Re: Mustachian People Problems (just for fun)
« Reply #1340 on: June 08, 2015, 12:02:24 PM »
Have to research tIRA income limits - think we might not be able to contribute this year, when we really need to lower our taxable income.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #1341 on: June 08, 2015, 12:23:04 PM »
I bent my wookie

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #1342 on: June 08, 2015, 01:07:03 PM »
Have to research tIRA income limits - think we might not be able to contribute this year, when we really need to lower our taxable income.

You can always contribute to a tIRA. It just might not be deductible. There's always the Roth (to a point). The backdoor Roth solves this if you don't have any (or little) tIRA contributions.

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #1343 on: June 08, 2015, 03:59:15 PM »
not so much a  problem but...


when i was on the phone to my ISA(Uk version of ROTH) stock broker, the young lady asked my birth date for security clarification, i told her. and she sounded shocked when she said, so... you're 19?

and i just promptly say "yep"

probably a rare case for her to hear someone young with an investment account XD :D

Good for you!

My daughter took a finances class in high school and was the only one to raise her hand when the teacher asked if anyone had a 401k account. She was 16.

FrugalShrew

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Re: Mustachian People Problems (just for fun)
« Reply #1344 on: June 08, 2015, 04:15:49 PM »
I was talking to my dad and sister, and my dad shared that he had heard advice about taking a month off work as a "trial retirement" (as he approaches traditional retirement age).

I promptly piped up and said that one month might not be representative, because in your first month off from work, you might need that time just to decompress, and plus it may take awhile to ramp up to regular activities: set up a volunteer schedule, find others who are free during the day, sign up for an exercise class, etc.

My sister laughed, "What are you? Some kind of retirement expert?"

No, I've just been reading a lot about (early) retirement lately!

1967mama

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Re: Mustachian People Problems (just for fun)
« Reply #1345 on: June 09, 2015, 12:55:28 AM »
I was talking to my dad and sister, and my dad shared that he had heard advice about taking a month off work as a "trial retirement" (as he approaches traditional retirement age).

I promptly piped up and said that one month might not be representative, because in your first month off from work, you might need that time just to decompress, and plus it may take awhile to ramp up to regular activities: set up a volunteer schedule, find others who are free during the day, sign up for an exercise class, etc.

My sister laughed, "What are you? Some kind of retirement expert?"

No, I've just been reading a lot about (early) retirement lately!

Hilarious!!

Squirrel away

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Re: Mustachian People Problems (just for fun)
« Reply #1346 on: June 09, 2015, 02:44:52 AM »
not so much a  problem but...


when i was on the phone to my ISA(Uk version of ROTH) stock broker, the young lady asked my birth date for security clarification, i told her. and she sounded shocked when she said, so... you're 19?

and i just promptly say "yep"

probably a rare case for her to hear someone young with an investment account XD :D

Good for you!

My daughter took a finances class in high school and was the only one to raise her hand when the teacher asked if anyone had a 401k account. She was 16.

Brilliant!:D I only wish I was that savvy as a teenager.

Sam E

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Re: Mustachian People Problems (just for fun)
« Reply #1347 on: June 09, 2015, 04:46:40 AM »
not so much a  problem but...


when i was on the phone to my ISA(Uk version of ROTH) stock broker, the young lady asked my birth date for security clarification, i told her. and she sounded shocked when she said, so... you're 19?

and i just promptly say "yep"

probably a rare case for her to hear someone young with an investment account XD :D

Good for you!

My daughter took a finances class in high school and was the only one to raise her hand when the teacher asked if anyone had a 401k account. She was 16.

How does a 16 year old get access to a 401k account?

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #1348 on: June 09, 2015, 04:50:58 AM »
not so much a  problem but...


when i was on the phone to my ISA(Uk version of ROTH) stock broker, the young lady asked my birth date for security clarification, i told her. and she sounded shocked when she said, so... you're 19?

and i just promptly say "yep"

probably a rare case for her to hear someone young with an investment account XD :D

Good for you!

My daughter took a finances class in high school and was the only one to raise her hand when the teacher asked if anyone had a 401k account. She was 16.

How does a 16 year old get access to a 401k account?

+1. I looked at my 401k documentation and it says 18 and older.

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #1349 on: June 09, 2015, 09:28:05 AM »
She had it through her work.  The IRS does not put any age restrictions on 401k plan but does allow employers to restrict participation up to the age of 21 if they want.  It is up to the employer to decide if they want to allow participation under the age of 21.  Over 21 they cannot restrict participation.

http://money.stackexchange.com/questions/23648/why-can-employees-under-21-enroll-in-401k-plans