Author Topic: Mustachian People Problems (just for fun)  (Read 1191200 times)

Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #3150 on: October 05, 2016, 10:33:04 AM »
Quote from: frugalnacho link=topic=20725.msg1253934#msg1253934

How do they verify any of the odometer readings you give them over the phone? 
They don't. If you were to have a claim, they could have the assessor look at the odometer and take it from there. I don't intend on finding out how much of a discrepancy I could get away with before it becomes material misrepresentation.

If you claim 5,000 miles per year but then get in a wreck and the odometer reads 100k miles on your 2012 camry, that's pretty damning.
« Last Edit: October 05, 2016, 10:49:30 AM by Paul der Krake »

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #3151 on: October 05, 2016, 10:38:19 AM »
I was updating my car insurance the other day, and entered my annual mileage.  A warning note came up:  Are you sure this is correct?  Most drivers report 12,000-14,000 miles annually.

I'd entered half of that.

I called my agent and found out about a low mileage rate. I had to give them my current mileage, and then they will see if I stay under the limit for the year. If not, I have to true up to the higher rate. But even while working I wasn't driving 10K miles per year. So, you may be able to get an even lower rate.

How do they verify any of the odometer readings you give them over the phone?
My insurance company doesn't require anything.  The first few times I e-mailed them a picture of the odometer, and someone called me and told me that wasn't necessary. 

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #3152 on: October 05, 2016, 11:17:22 AM »
I was updating my car insurance the other day, and entered my annual mileage.  A warning note came up:  Are you sure this is correct?  Most drivers report 12,000-14,000 miles annually.

I'd entered half of that.

I called my agent and found out about a low mileage rate. I had to give them my current mileage, and then they will see if I stay under the limit for the year. If not, I have to true up to the higher rate. But even while working I wasn't driving 10K miles per year. So, you may be able to get an even lower rate.

How do they verify any of the odometer readings you give them over the phone?

Well, actually I emailed a photo of the odometer to my agent. I am with State Farm, I assume other companies do something similar. My agent didn't even request a photo - I did it more so I could remember! The agent was just going to have me send her the miles (which I stated in the email and supplemented with the photo). That started the one year clock re: mileage.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3153 on: October 05, 2016, 11:25:21 AM »
Geico requested a signed statement of current mileage -once a few years ago and not since then.  Usually I keep these kinds of records, but unfortunately I don't remember what the mileage was.  At least I have a smog check every couple years with a dated odometer reading so I can use that.  I figured out that I don't save any money decreasing my mileage under 3k (i.e. 2k is not cheaper than 3k) so I just pay the 3k and that gives me some leeway if I'm high one year due to a road trip or something.

I'm ashamed to admit I don't know what happens if you are wrong on your mileage.  I seem to recall reading that you are still covered but would have to pay extra premiums or something like that but don't quote me on that.
« Last Edit: October 05, 2016, 11:27:14 AM by dragoncar »

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3154 on: October 05, 2016, 11:56:45 AM »
Geico requested a signed statement of current mileage -once a few years ago and not since then.  Usually I keep these kinds of records, but unfortunately I don't remember what the mileage was.  At least I have a smog check every couple years with a dated odometer reading so I can use that.  I figured out that I don't save any money decreasing my mileage under 3k (i.e. 2k is not cheaper than 3k) so I just pay the 3k and that gives me some leeway if I'm high one year due to a road trip or something.

I'm ashamed to admit I don't know what happens if you are wrong on your mileage.  I seem to recall reading that you are still covered but would have to pay extra premiums or something like that but don't quote me on that.

Yep. It depends on what the state requires, but auto insurers usually can't just cancel coverage because you misrepresented the risk. What they are allowed to do is retroactively charge you what they would've charged you had they known at the beginning what they know now. They can also non-renew you after giving whatever required notice (30-90 days, depending again on the state), which can make it much more difficult to get replacement coverage when another insurer asks "Has coverage ever been non-renewed?" "Oh, yeah, I defrauded my last carrier."

/insurance nerdery

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #3155 on: October 06, 2016, 05:16:35 PM »
I was updating my car insurance the other day, and entered my annual mileage.  A warning note came up:  Are you sure this is correct?  Most drivers report 12,000-14,000 miles annually.

I'd entered half of that.

I called my agent and found out about a low mileage rate. I had to give them my current mileage, and then they will see if I stay under the limit for the year. If not, I have to true up to the higher rate. But even while working I wasn't driving 10K miles per year. So, you may be able to get an even lower rate.
I wasn't required to provide any documentation.  I don't know what mileage ranges this company uses, but my previous insurance company had different rates for +/- 7500 miles per year.  That one didn't require documentation of <7500 either.

DTaggart

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Re: Mustachian People Problems (just for fun)
« Reply #3156 on: October 06, 2016, 08:11:29 PM »
How do they verify any of the odometer readings you give them over the phone?

For my insurance I have to self-report my mileage twice a year by inputting it online. I can also view my odometer history online, which contains both my self-reported values and some other entries that list the source as "carfax", the dates of which coincide with when I've gotten service/oil changes.

chasingthegoodlife

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Re: Mustachian People Problems (just for fun)
« Reply #3157 on: October 08, 2016, 09:31:17 PM »
Maximised my salary packaging benefits when changing jobs last year without adjusting my HECS (government student loan scheme) payments accordingly - now the tax office wants me to pay another $4000 off my loan.

Feeling grateful that a $4k tax bill is just a minor inconvenience.


Primm

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Re: Mustachian People Problems (just for fun)
« Reply #3158 on: October 10, 2016, 04:00:56 PM »
Maximised my salary packaging benefits when changing jobs last year without adjusting my HECS (government student loan scheme) payments accordingly - now the tax office wants me to pay another $4000 off my loan.

Feeling grateful that a $4k tax bill is just a minor inconvenience.

Ooh, thanks for the reminder. I've just started another job, so have access to two PBI salary packages (for as long as it takes for the government to work out that little loophole and close it!). I need to tell Second Job to take out extra for HECS so I don't have this issue next year.

onehair

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Re: Mustachian People Problems (just for fun)
« Reply #3159 on: October 18, 2016, 07:53:57 AM »
I finally upgraded my phone and the new Android OS doesn't like my two top moneymaking rebate apps so I have to fall back to the backup one (Checkout 51) and install a new one!! (Going from Receipt Hog to Receipt Pal) Oh the pain....I was able to keep the Coupons, Walmart Savings Catcher plus iPoll and Smartapp but I miss the ones I really got a few coins from...



TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3160 on: October 21, 2016, 01:33:45 PM »
Ack! Just got a notice from HR about some Retirement Planning Workshops our defined benefit plan provider is putting on. There are 3 different workshops, and the subject matter is based on the time you think you have left until retirement. The categories are >20 yrs, 10-20 yrs or <10 years until retirement. The last one actually has some content that interests me.

I'm 37 and plan to be done by the time I'm 42.  #Awkward

zephyr911

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Re: Mustachian People Problems (just for fun)
« Reply #3161 on: October 21, 2016, 02:06:35 PM »
Ack! Just got a notice from HR about some Retirement Planning Workshops our defined benefit plan provider is putting on. There are 3 different workshops, and the subject matter is based on the time you think you have left until retirement. The categories are >20 yrs, 10-20 yrs or <10 years until retirement. The last one actually has some content that interests me.

I'm 37 and plan to be done by the time I'm 42.  #Awkward
Enjoy your class full of septagenarian co-workers... xD
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sol

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Re: Mustachian People Problems (just for fun)
« Reply #3162 on: October 21, 2016, 02:22:13 PM »
My MPP for the day: I had to fill out a commuter transportation survey at work and there was no option for "100% electric vehicle carpool charged with 100% solar power" so now we get penalized for local greenhouse gas emissions that don't really exist.

They're never going to reach their agency-wide GHG emission reduction targets this way...

zephyr911

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Re: Mustachian People Problems (just for fun)
« Reply #3163 on: October 21, 2016, 02:54:57 PM »
My MPP for the day: I had to fill out a commuter transportation survey at work and there was no option for "100% electric vehicle carpool charged with 100% solar power" so now we get penalized for local greenhouse gas emissions that don't really exist.

They're never going to reach their agency-wide GHG emission reduction targets this way...
*facepalm*
How does an agency in the PNW not know those are all things?
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Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #3164 on: October 21, 2016, 03:24:43 PM »
Ack! Just got a notice from HR about some Retirement Planning Workshops our defined benefit plan provider is putting on. There are 3 different workshops, and the subject matter is based on the time you think you have left until retirement. The categories are >20 yrs, 10-20 yrs or <10 years until retirement. The last one actually has some content that interests me.

I'm 37 and plan to be done by the time I'm 42.  #Awkward
We had something similar a few months ago.  I think our "late career" one was for employees within 5 years of retirement.  I went to the mid-career one even though my retirement timeline is ~2 years.  I thought about asking to go to the late career one also, with the explanation that the more I know about what to expect in the future the better I can plan today.  But I never went through with it. The workshops were two days long and I wasn't able to be out of the office for the extra days at that time.

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3165 on: October 21, 2016, 03:32:54 PM »
Yeah, I could go to the late career one with the explanation that we've taken over managing my MILs portfolio and I'm therefore interested on her behalf. However, I'll probably just skip the whole thing entirely and stay in the closet.

There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #3166 on: October 21, 2016, 04:13:54 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Hey, another reason to sign up:  you want it to happen for your coworkers' benefit, and you might learn something, too.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3167 on: October 22, 2016, 06:25:33 AM »
Yeah, I could go to the late career one with the explanation that we've taken over managing my MILs portfolio and I'm therefore interested on her behalf. However, I'll probably just skip the whole thing entirely and stay in the closet.

There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

I have a solution to both problems: Have everyone sign up for all workshops.
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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3168 on: October 23, 2016, 06:01:49 AM »
Yeah, I could go to the late career one with the explanation that we've taken over managing my MILs portfolio and I'm therefore interested on her behalf. However, I'll probably just skip the whole thing entirely and stay in the closet.

There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

I have a solution to both problems: Have everyone sign up for all workshops.
Sounds like the best option.

zephyr911

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Re: Mustachian People Problems (just for fun)
« Reply #3169 on: October 24, 2016, 03:18:41 PM »
Lovely little neighborhood grocery store relocated closer to my house. Mad because my 10-15min walk is now less than five, and the huge luxurious new store is harder to find things in, without walking past 100 things I didn't know I needed.
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Reynold

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Re: Mustachian People Problems (just for fun)
« Reply #3170 on: October 24, 2016, 03:24:54 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Heh, reminds me of a presentation our HR group gave at our very scientist/engineer heavy small company some years back.  They were going through the usual HR presentation of generic bullet points, mixed with a few simple graphs, which could have been condensed to two slides of actual information, and put up a pie chart, maybe it was percentages of people in different categories.  A ripple of laughter went around the room, and the head of HR, who was sitting next to me, turned to me and asked why.  "The percentages on that pie chart add up to 115%."  was my reply.  "Oh, you engineers!"  was her exasperated reply. . .

FrugalShrew

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Re: Mustachian People Problems (just for fun)
« Reply #3171 on: October 24, 2016, 03:38:38 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Heh, reminds me of a presentation our HR group gave at our very scientist/engineer heavy small company some years back.  They were going through the usual HR presentation of generic bullet points, mixed with a few simple graphs, which could have been condensed to two slides of actual information, and put up a pie chart, maybe it was percentages of people in different categories.  A ripple of laughter went around the room, and the head of HR, who was sitting next to me, turned to me and asked why.  "The percentages on that pie chart add up to 115%."  was my reply.  "Oh, you engineers!"  was her exasperated reply. . .

These are pretty scary stories -- since these are the folks who handle our paychecks and our withholdings. And yes, these things do matter. Would you like me to tell you about the time HR accidentally sent me a check for over $1,000 that I had to return & explain why it was not owed to me?

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3172 on: October 24, 2016, 06:19:01 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Heh, reminds me of a presentation our HR group gave at our very scientist/engineer heavy small company some years back.  They were going through the usual HR presentation of generic bullet points, mixed with a few simple graphs, which could have been condensed to two slides of actual information, and put up a pie chart, maybe it was percentages of people in different categories.  A ripple of laughter went around the room, and the head of HR, who was sitting next to me, turned to me and asked why.  "The percentages on that pie chart add up to 115%."  was my reply.  "Oh, you engineers!"  was her exasperated reply. . .

These are pretty scary stories -- since these are the folks who handle our paychecks and our withholdings. And yes, these things do matter. Would you like me to tell you about the time HR accidentally sent me a check for over $1,000 that I had to return & explain why it was not owed to me?

Yes please!  That sounds like a perfect MPP!
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FrugalShrew

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Re: Mustachian People Problems (just for fun)
« Reply #3173 on: October 24, 2016, 08:20:03 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Heh, reminds me of a presentation our HR group gave at our very scientist/engineer heavy small company some years back.  They were going through the usual HR presentation of generic bullet points, mixed with a few simple graphs, which could have been condensed to two slides of actual information, and put up a pie chart, maybe it was percentages of people in different categories.  A ripple of laughter went around the room, and the head of HR, who was sitting next to me, turned to me and asked why.  "The percentages on that pie chart add up to 115%."  was my reply.  "Oh, you engineers!"  was her exasperated reply. . .

These are pretty scary stories -- since these are the folks who handle our paychecks and our withholdings. And yes, these things do matter. Would you like me to tell you about the time HR accidentally sent me a check for over $1,000 that I had to return & explain why it was not owed to me?

Yes please!  That sounds like a perfect MPP!

It's actually a mistake that makes me pretty paranoid about HR's money-handling skills.

Basically HR accidentally took withholding for everyone's transit-allocated funds one pay period, which are supposed to be tax free. So they announced that we would be receiving a check for the amount of money that was accidentally withheld. A few days later I receive a check for $1,000+. I got pretty excited (because it's $1,000 -- who wouldn't!), but as I racked my brain, I couldn't think of a single reason why I would be receiving a check in that amount. It then occurred to me that I was supposed to be receiving a check returning the accidental withholding, but that would only come out to . . . $35.

I called HR, and they said, yes the check you received is the return of the money that was mistakenly withheld. "How is that possible? Wasn't the tax on the transit funds only about $35?" (Plus, I wasn't missing $1,000 from my paycheck).

I was told to send back the check. (I still think they should have let me keep that check as a peacekeeping bonus).


TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3174 on: October 24, 2016, 08:32:56 PM »
There's actually a very good chance these workshops won't even happen. Since our HR department can't math, they haven't yet figured out our 25 person strong office won't be able to field 3 groups of 10 for the workshops. Each presentation requires a minimum of 10 people.

Why are people who can't math in charge of the retirement program?

Heh, reminds me of a presentation our HR group gave at our very scientist/engineer heavy small company some years back.  They were going through the usual HR presentation of generic bullet points, mixed with a few simple graphs, which could have been condensed to two slides of actual information, and put up a pie chart, maybe it was percentages of people in different categories.  A ripple of laughter went around the room, and the head of HR, who was sitting next to me, turned to me and asked why.  "The percentages on that pie chart add up to 115%."  was my reply.  "Oh, you engineers!"  was her exasperated reply. . .

These are pretty scary stories -- since these are the folks who handle our paychecks and our withholdings. And yes, these things do matter. Would you like me to tell you about the time HR accidentally sent me a check for over $1,000 that I had to return & explain why it was not owed to me?

Payroll, which is a different group than the math-challenged HR group, has not managed to get my paycheck correct once in the past 4-5 pay cycles. They also seem to have stopped handing out hardcopy pay stubbs, which is only making it harder for me to annoy them with my requests to please pay me the correct amount.

For anyone waiting with bated breath about whether I was going to step out of the FIRE closet, I opted to split the difference and request a spot in sessions 2 and 3. I'm hoping they'll just think I'm delusional about how early I plan to retire.

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #3175 on: October 24, 2016, 08:45:24 PM »
For anyone waiting with bated breath about whether I was going to step out of the FIRE closet, I opted to split the difference and request a spot in sessions 2 and 3. I'm hoping they'll just think I'm delusional about how early I plan to retire.
Good to hear!  I hope these sessions actually happen, and that they are informative.

I actually just taught 2 sessions on our defined-contribution plan, because the talks I'd been to had been so unhelpful.  I read all the literature and spit back out the useful/interesting/relevant bits, while putting my own spin on it.

nobodyspecial

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Re: Mustachian People Problems (just for fun)
« Reply #3176 on: October 24, 2016, 08:48:46 PM »
The only time I was paid hourly (student job) the payroll dept got confused if your shift started and finished on different dates - like the entire night shift.  They got really confused if you worked more than 12hours in a shift.

Clock on at 9:00 pm, clock off at 9:30am and get paid for 30min.
Query with payroll, yes 9:30-9:00 = 0:30 = half an hour pay. Had to get a shift manager to try and explain to them why they were wrong.


Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #3177 on: October 25, 2016, 05:28:30 PM »
Well they could have instead:

09:30-18:00 = -8:30 you owe us.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3178 on: October 25, 2016, 10:21:46 PM »
Where do they get these people????
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frooglepoodle

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Re: Mustachian People Problems (just for fun)
« Reply #3179 on: October 26, 2016, 04:08:41 AM »
A MPP I just encountered: When your toddler chucking your phone in the toilet is not an emergency, and instead the purchase of a replacement phone means that you will no longer have to worry about manufacturing spending to meet the minimum spend on the credit card you're currently churning.
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Tyn

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Re: Mustachian People Problems (just for fun)
« Reply #3180 on: October 26, 2016, 06:16:45 AM »
Feeling guilty about replacing my old washing up gloves before they have a hole in them (been using them for about a year and the fingers have got really stiff so it makes them awkward to use), they are in the cupboard for when I have any particularly heavy cleaning to do around the house but it still feels a bit indulgent.

Read through this thread before posting and someone linked to an article on electric heating, now I have lots of ideas about things to do to stop myself from freezing over the winter without costing a load of money. Which is good, but also requires research and maybe even going into a shop.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #3181 on: October 26, 2016, 06:48:51 AM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #3182 on: October 26, 2016, 05:37:01 PM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.
That is a problem. I'm currently running 63f in the day and 60f at night. 20c/68f is what I find comfortable to set things to when I'm not worrying about money or running experiments on myself. I think what I've got things set too now is tolerable, but lower than what I'll likely settle on long term. I've been running at these temps a couple weeks now. Part of the problem is it's a bit too humid indoors at these temps 70ish percent

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3183 on: October 27, 2016, 01:10:48 AM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

Does this also happen when you are outside? If not; can you do spot heating, or something about clothing?
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shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #3184 on: October 27, 2016, 01:26:32 AM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

Does this also happen when you are outside? If not; can you do spot heating, or something about clothing?

The problem is really because I work from home which means a lot of sitting still all day in whatever temperature. Outside I'd at least be walking. I'm all over jumpers and leg warmers and blankets but having to strap a hot water bottle to my front every day is probably beyond my limit.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3185 on: October 27, 2016, 09:14:13 AM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

Does this also happen when you are outside? If not; can you do spot heating, or something about clothing?

The problem is really because I work from home which means a lot of sitting still all day in whatever temperature. Outside I'd at least be walking. I'm all over jumpers and leg warmers and blankets but having to strap a hot water bottle to my front every day is probably beyond my limit.
DH got one of these electric blankets that fit in the office chair. Now there is much less complaining when I turn down the thermostat.
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #3186 on: October 28, 2016, 07:48:51 AM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

Does this also happen when you are outside? If not; can you do spot heating, or something about clothing?

The problem is really because I work from home which means a lot of sitting still all day in whatever temperature. Outside I'd at least be walking. I'm all over jumpers and leg warmers and blankets but having to strap a hot water bottle to my front every day is probably beyond my limit.
DH got one of these electric blankets that fit in the office chair. Now there is much less complaining when I turn down the thermostat.

We have 2 electric fleece blankets on the couch for this reason.  Wife and I both used them last night while streaming a couple tv shows as the house temperature dipped to 57F because we haven't turned the furnace on yet.

yuka

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Re: Mustachian People Problems (just for fun)
« Reply #3187 on: November 02, 2016, 05:20:08 PM »
I have a sad MPP: turns out if our heating goes below about 19 or 20C, my lips turn blue. No one else would understand why you might want to experiment with the lowest tolerable interior temperature.

Ouch, that is sad! 15C is my comfortable heating temperature in the winter. What I wouldn't do for that right now...

My sort-of MPP is that I'm only home from work before sunrise and after sunset, so I can't really see how my plants are handling the 85F/30C days outside.

Jappe

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Re: Mustachian People Problems (just for fun)
« Reply #3188 on: November 03, 2016, 08:11:17 AM »


We have 2 electric fleece blankets on the couch for this reason.  Wife and I both used them last night while streaming a couple tv shows as the house temperature dipped to 57F because we haven't turned the furnace on yet.
Any idea on the energy usage of electric blankets? I use a normal blanket for comfort and a bit for extra warmth but heat the house (living room mainly) quite a bit more than you. 17C at night, 20 when i'm home. (63-68F)

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #3189 on: November 03, 2016, 09:23:57 AM »


We have 2 electric fleece blankets on the couch for this reason.  Wife and I both used them last night while streaming a couple tv shows as the house temperature dipped to 57F because we haven't turned the furnace on yet.
Any idea on the energy usage of electric blankets? I use a normal blanket for comfort and a bit for extra warmth but heat the house (living room mainly) quite a bit more than you. 17C at night, 20 when i'm home. (63-68F)

I don't remember exactly, but it pales in comparison to running the furnace or an electric heater.  I have a kill-a-watt meter and I plugged in to monitor how much electricity was being used.  The blanket has a high watt rating, but in practice it uses far less than the max stated rating, and cycles on/off constantly once it's warm.  I calculated out something like a couple dollars to use the blanket all winter, compared with several hundred dollars to raise our thermostat 10 degrees.  I will plug my kill-a-watt meter back into the blanket and report back later with actual usage. 

I also use a heating pad for my dog at night when the temp starts getting cold (when the night time bedroom temperature will be below about 55F).  I wrap it in a towel, and put it under a folded comforter and set it at the lowest setting.  It gets slightly warm, but not nearly hot enough to be a problem (far less hot than the hvac vent I find her sleeping on).  When I plugged the heating pad into the meter to find out how much electricity is used I found it to use nearly nothing (less than a dollar all winter).  It essentially turns off once the dogs body heat warms the entire bed up warm enough. 

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #3190 on: November 03, 2016, 10:02:27 AM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #3191 on: November 03, 2016, 10:51:13 AM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

When I am just sitting on the couch watching tv or playing video games it's a deliberate choice anyway and I don't have a problem getting up and moving on to the next activity.  If I am in bed, then I don't want to get out regardless of whether I have a heating blanket or not, I just don't want to get out of bed period.  Especially when it's cold. 

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3192 on: November 03, 2016, 01:52:18 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

The snuggie?  An adult onesie?

mooshie

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Re: Mustachian People Problems (just for fun)
« Reply #3193 on: November 03, 2016, 02:50:02 PM »
People look at me like I have 2 heads when I try to talk about some interesting person's personal finance blog. And I get questions like, "So, how long does he figure he can travel the world on $1.5M (or $600K, or whatever, the number never seems to matter, no one seems to think it can be done.) before he runs out of money?" Then I look at them like they have 2 heads and have to remind myself that not everyone understands the 4% rule. I usually just answer with something like, "I don't know, but he's living off the interest, so I guess forever." Because I don't have the energy to explain it to them.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3194 on: November 03, 2016, 03:51:39 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.
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Re: Mustachian People Problems (just for fun)
« Reply #3195 on: November 03, 2016, 04:33:53 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.

I saw a demo of some reusable heating pad where you boil it to reset and then later you can activate it.  Seemed really cool, but I didn't buy it cause it was a bit pricey.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #3196 on: November 03, 2016, 04:41:52 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.

I saw a demo of some reusable heating pad where you boil it to reset and then later you can activate it.  Seemed really cool, but I didn't buy it cause it was a bit pricey.

I have these - hand sized ones. I have used them exactly twice because the boiling is a huge PITA.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3197 on: November 03, 2016, 05:27:20 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.

I saw a demo of some reusable heating pad where you boil it to reset and then later you can activate it.  Seemed really cool, but I didn't buy it cause it was a bit pricey.

I have these - hand sized ones. I have used them exactly twice because the boiling is a huge PITA.

Yeah, it seemed like it would be wasteful unless you were doing them in bulk, but then you'd have to buy like a couple dozen

Ynari

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Re: Mustachian People Problems (just for fun)
« Reply #3198 on: November 03, 2016, 05:29:29 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.

I saw a demo of some reusable heating pad where you boil it to reset and then later you can activate it.  Seemed really cool, but I didn't buy it cause it was a bit pricey.

I have a pack of these from Body Comfort (got a pack with a large one, two hand warmers, two feet shaped ones for $30 I think?) and I love them. They're not super convenient since you have to remember to boil them, so not really a daily thing, but they're a good alternative to a soak in the tub for muscle pains. I use them at least a couple of times a month. FWIW I've had them for 2+ years now and the small ones are developing crystals but they still work, though I imagine at some point I'll have to replace them.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #3199 on: November 03, 2016, 07:43:43 PM »
My issue with a heated blanket is that it makes me want to stay where I am and no do anything that disrupts the blanket and lets cold air in. Some mustacian needs to invent heated clothes (if it hasn't already been done!), because otherwise I have to decide between productivity or using more logs.

Yup, heated clothes already exist!
Battery-powered heated socks
Battery-powered heated gloves
Heated everything!
There are many versions of these; these are just some of the first results in Google.

I saw a demo of some reusable heating pad where you boil it to reset and then later you can activate it.  Seemed really cool, but I didn't buy it cause it was a bit pricey.

I have these - hand sized ones. I have used them exactly twice because the boiling is a huge PITA.

I have one I used a lot when I was younger. Mostly for camping. The chemistry behind them is actually quite simple. Simple enough that if you can make them at home if you so desire.

It's just food grade Sodium acetate and water with a flexible metal disc. All the disc does is get the reaction started by getting a couple crystals to solidify after which the reaction is self sustaining. You could boil the thing in the same water you use to make pasta so long as the plastic holding everything together is not a toxic plastic. Even if the thing split open sodium acetate is edible. No idea how it tastes. Make yourself a baking soda and vinegar volcano for your kids next 1950's school science project, use the resulting sodium acetate to make handwarmers....