Author Topic: Mustachian People Problems (just for fun)  (Read 807947 times)

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3350 on: December 08, 2016, 01:29:31 PM »
I doubt the bags actually get recycled.

I think it depends on the place. That's why I bring my bags (random too-small-to-be-useful things) to the treehugger coop, rather than the Big Box store.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3351 on: December 09, 2016, 02:25:14 AM »
In my community they recycle plastic. So we deliver all plastic that is wrapped around vegetables, meat and other stuff in that container.

I never heard of shops who offer used plastic bags at the exit. Sounds like a good idea.

HappierAtHome

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Re: Mustachian People Problems (just for fun)
« Reply #3352 on: December 09, 2016, 02:28:03 AM »
You and your spouse argue over who gets to open the statement from the mortgage company first. You both know it's the final statement and you each want to be the first to see it in black and white. You share a laugh that the final months interest is only $0.15.

Yippee!

The next morning the cheap, bucket of bolts minivan you drive has a problem related to the recent below freezing weather. Instead of immediately replacing it with a higher end car, or setting it on fire, you use duct tape to patch the problem until it warms up.

Sigh, being responsible is such a drag sometimes.

Congrats on paying off the mortgage! This is a huge deal! Have you posted in the celebrations thread? And the mortgage payoff thread?

meerkat

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Re: Mustachian People Problems (just for fun)
« Reply #3353 on: December 09, 2016, 07:46:24 AM »
You and your spouse argue over who gets to open the statement from the mortgage company first. You both know it's the final statement and you each want to be the first to see it in black and white. You share a laugh that the final months interest is only $0.15.

Yippee!

Congrats!
meer journal for a meerkat

Will this matter in ten years?

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #3354 on: December 09, 2016, 08:50:22 AM »
I accidentally paid off a credit card statement balance twice this month, so my new balance is negative $117...

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3355 on: December 09, 2016, 08:54:53 AM »
When you lose track of when your rent check is being cashed... and it's a GOOD thing. "There's a lot of money in my checking account, I guess my rent check didn't go through yet. Oh, it did? Huh. Hang on, I manufactured spend on my CSR last month so that's like $2000 that has to be paid out. Wait, that was already paid too? Huh. *goes to www.vanguard.com* "
...it's not at all alarming that people have started quoting me in their siggy lines.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3356 on: December 09, 2016, 08:56:40 AM »
Mustachian/Grammar Person Problem:

Seeing a "Share Your Bada**ity" thread titled "Second Comma" and getting all excited because you think it will be a story of how the Oxford comma was flagrantly used against company policy but in support of clearer language...

...but then still being excited for someone else when you find out the thread relates to investment balances.
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LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3357 on: December 09, 2016, 07:08:45 PM »
Indeed, I am also out of plastic bags to use as bin liners. I'll soon need to buy some.
I always carry 2 cloth shopping bags in my handbag that I use for most grocery shopping. And I take along a crate when I go big grocery shopping. And I do most other shopping online. Christmas presents are delivered at the place of destination (in another country), where we will pack them on arrival.
i have this issue too! i have to use the doggy poo bags the apartment provides for my kitty litter since i no longer have enough from shopping and used up my supply

Um, why did I never think of that genius idea?  I pay HOA dues to buy the darn doggie bags, but I only have cats.  I think my cats are entitled to their share of the bags, LOL!

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3358 on: December 10, 2016, 01:31:12 AM »
Mustachian/Grammar Person Problem:

Seeing a "Share Your Bada**ity" thread titled "Second Comma" and getting all excited because you think it will be a story of how the Oxford comma was flagrantly used against company policy but in support of clearer language...

...but then still being excited for someone else when you find out the thread relates to investment balances.

I thought I was the only one.

MonkeyJenga

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Re: Mustachian People Problems (just for fun)
« Reply #3359 on: December 10, 2016, 07:22:24 AM »
Mustachian/Grammar Person Problem:

Seeing a "Share Your Bada**ity" thread titled "Second Comma" and getting all excited because you think it will be a story of how the Oxford comma was flagrantly used against company policy but in support of clearer language...

...but then still being excited for someone else when you find out the thread relates to investment balances.

I thought I was the only one.

I also thought of the Oxford comma first. I didn't understand why that would result in badassity.
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greengardens

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Re: Mustachian People Problems (just for fun)
« Reply #3360 on: December 11, 2016, 01:25:44 PM »
MPP: DH needs to spend $30 more dollars at a store to get 40% off the entire purchase + free shipping. neither one of us can find anything we need that will get us to the threshold

G-dog

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Re: Mustachian People Problems (just for fun)
« Reply #3361 on: December 11, 2016, 02:10:40 PM »
MPP: DH needs to spend $30 more dollars at a store to get 40% off the entire purchase + free shipping. neither one of us can find anything we need that will get us to the threshold

Gift cards?

greengardens

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Re: Mustachian People Problems (just for fun)
« Reply #3362 on: December 11, 2016, 02:16:04 PM »
MPP: DH needs to spend $30 more dollars at a store to get 40% off the entire purchase + free shipping. neither one of us can find anything we need that will get us to the threshold

Gift cards?

We looked and unfortunately gift cards don't count toward the discount total.though we did find out we can use our credit card cash back rewards at this store so we're just going to do that

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3363 on: December 12, 2016, 03:09:37 AM »
There has to be something that you can resell? Or gift away, since its that time of the year?

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3364 on: December 13, 2016, 11:05:17 AM »
You and your spouse argue over who gets to open the statement from the mortgage company first. You both know it's the final statement and you each want to be the first to see it in black and white. You share a laugh that the final months interest is only $0.15.

Yippee!

Congrats!
You and your spouse argue over who gets to open the statement from the mortgage company first. You both know it's the final statement and you each want to be the first to see it in black and white. You share a laugh that the final months interest is only $0.15.

Yippee!

The next morning the cheap, bucket of bolts minivan you drive has a problem related to the recent below freezing weather. Instead of immediately replacing it with a higher end car, or setting it on fire, you use duct tape to patch the problem until it warms up.

Sigh, being responsible is such a drag sometimes.

Congrats on paying off the mortgage! This is a huge deal! Have you posted in the celebrations thread? And the mortgage payoff thread?

Thanks! We're pretty stoked, though it was a long time and a lot of effort to get here.

New MPP: While car shopping to replace the current bucket of bolts for a newer model that functions when the weather is below freezing (you live in Canada after all) you ask the sales guy for an accurate trade in value for the car. He insists on driving it to make sure it runs and is also excited he gets to drive a standard (apparently this is very rare). While he's driving around the block, he hits someone and causes very minor damage to both cars.

As a mustachian you are completely unconcerned about the cost to repair either bucket of bolts (the other car was also a basic, older model) however, you are very, very concerned about the potential liability to you from personal injury claims from any of the 3 people involved in the crash. You file an insurance claim strictly to protect your stash from said claims. The sales guy is mystified as to why you aren't concerned about damage to your car and doesn't understand why you are concerned about a potential lawsuit.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3365 on: December 13, 2016, 03:21:22 PM »
*snip*

New MPP: While car shopping to replace the current bucket of bolts for a newer model that functions when the weather is below freezing (you live in Canada after all) you ask the sales guy for an accurate trade in value for the car. He insists on driving it to make sure it runs and is also excited he gets to drive a standard (apparently this is very rare). While he's driving around the block, he hits someone and causes very minor damage to both cars.

As a mustachian you are completely unconcerned about the cost to repair either bucket of bolts (the other car was also a basic, older model) however, you are very, very concerned about the potential liability to you from personal injury claims from any of the 3 people involved in the crash. You file an insurance claim strictly to protect your stash from said claims. The sales guy is mystified as to why you aren't concerned about damage to your car and doesn't understand why you are concerned about a potential lawsuit.

How did sales guy's manager react when told that sales guy, in the ten minutes he was driving your car, managed to hit another car?

Lawyers:
In general, would a lawsuit by the sale guy's victim hit TrMama and spouse, or just sales guy and dealership?
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TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3366 on: December 13, 2016, 05:04:10 PM »
*snip*

New MPP: While car shopping to replace the current bucket of bolts for a newer model that functions when the weather is below freezing (you live in Canada after all) you ask the sales guy for an accurate trade in value for the car. He insists on driving it to make sure it runs and is also excited he gets to drive a standard (apparently this is very rare). While he's driving around the block, he hits someone and causes very minor damage to both cars.

As a mustachian you are completely unconcerned about the cost to repair either bucket of bolts (the other car was also a basic, older model) however, you are very, very concerned about the potential liability to you from personal injury claims from any of the 3 people involved in the crash. You file an insurance claim strictly to protect your stash from said claims. The sales guy is mystified as to why you aren't concerned about damage to your car and doesn't understand why you are concerned about a potential lawsuit.

How did sales guy's manager react when told that sales guy, in the ten minutes he was driving your car, managed to hit another car?

Lawyers:
In general, would a lawsuit by the sale guy's victim hit TrMama and spouse, or just sales guy and dealership?

All the sales guys in the shop had their fake happy smiles pasted on and were still  trying to get us to buy one of their cars. The sales guy driving my car was incredibly apologetic and clearly wanted to crawl into a hole. I was very tired (it had already been a long day) and used my quiet, angry mom voice to tell him to make my car driveable ASAP so I could go home.

Anyway, I learned a lot about insurance yesterday. The claim will be paid for by the dealerships insurance. They have a policy that covers events like this. I learned that  all mechanics, dealerships, etc have this kind of policy that covers their cars being driven by clients (like if I'd crashed the car I was test driving) and clients cars that they damage (like mine). Since we're in BC there is only one car insurer the process is relatively painless. I just wanted to submit the claim, instead of having the dealership fix all the damage without reporting anything, to be doubly sure no personal injury claims could come back to haunt me. Even without the claim, this was unlikely, but I have a low risk tolerance for this kind of nonsense. Accident victims here have 1 (or 2?) years to submit a personal injury claim.

Technically, even without a formal claim in place I could never be held responsible since I wasn't driving when the accident happened. It would always be the dealerships policy that would pay (since sales guy was driving my care for work purposes). However, I am the registered owner of the car, it was clearly my car that caused the accident and I wasn't present for the accident so I don't really know what happened. If this had to be investigated a year from now (if one of the people involved decided to put in an injury claim) the details would be hard to remember/prove and I don't want to deal with anymore drama.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3367 on: December 13, 2016, 08:00:09 PM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.
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justchristine

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Re: Mustachian People Problems (just for fun)
« Reply #3368 on: December 14, 2016, 05:45:29 AM »
Earlier this year I committed myself to developing new hobbies and spending less time obsessing over my financial spreadsheets.  Overall this went well and I feel confident that I have something to FIRE to instead of just escaping work life.  However between the uptick in hobby spending and moving in with my non-mustachian boyfriend, I've felt like my spending has been out of control.  Since most of the spending for the year is done, I took a look at my totals per budget category and overall.  Imagine my surprise when after eating out more, wasting more food at home, buying alot of $$$ hobby supplies, a new tablet and new living room furniture, my total expenditures for the year was ~21K and my savings rate was 68% which is almost exactly what it was last year.  LOL you know you're mustachian when your out of control spending is 21K/yr.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3369 on: December 14, 2016, 07:15:58 AM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.

This is specific to BC in Canada, and doesn't exist in any form in any US state. It's a little analogous to the states where the state controls the Workers Comp market entirely (ND, OH, WA, WY), as opposed to NY where dozens of carriers write WC, but there's also the State Fund.

If anyone's wondering, the coverage TrMama is talking about is called Garagekeepers Liability. It's carried by auto shops and dealerships, but also places like parking garages with valet service.

OutlierinMA

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Re: Mustachian People Problems (just for fun)
« Reply #3370 on: December 14, 2016, 07:53:09 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #3371 on: December 14, 2016, 09:14:14 AM »
Earlier this year I committed myself to developing new hobbies and spending less time obsessing over my financial spreadsheets.  Overall this went well and I feel confident that I have something to FIRE to instead of just escaping work life.  However between the uptick in hobby spending and moving in with my non-mustachian boyfriend, I've felt like my spending has been out of control.  Since most of the spending for the year is done, I took a look at my totals per budget category and overall.  Imagine my surprise when after eating out more, wasting more food at home, buying alot of $$$ hobby supplies, a new tablet and new living room furniture, my total expenditures for the year was ~21K and my savings rate was 68% which is almost exactly what it was last year.  LOL you know you're mustachian when your out of control spending is 21K/yr.

I know the feeling. We went nuts this year, going to tons of concerts and movies, traveling to Europe, Asia, and Vegas,and generally spending what seemed like a lot to me - and it turns out our total spending is actually slightly less than last year, at a current $27,120.
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Saskatchewstachian

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Re: Mustachian People Problems (just for fun)
« Reply #3372 on: December 14, 2016, 10:18:45 AM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.

This is specific to BC in Canada, and doesn't exist in any form in any US state. It's a little analogous to the states where the state controls the Workers Comp market entirely (ND, OH, WA, WY), as opposed to NY where dozens of carriers write WC, but there's also the State Fund.


This is the same in multiple provinces, here is SK my insurance (comes standard as part of renewing your license plate) was $1200/year for my car, and this is after a 20% discount for good driving. DW's old vehicle, a 2004 2 door manual honda civic was $1300/yr, this is because a 2 door standard in classified as a sports car.... It's doesn't make a lot of sense and makes owning vehicles very expensive here.

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #3373 on: December 14, 2016, 10:19:38 AM »
When you lose track of when your rent check is being cashed... and it's a GOOD thing. "There's a lot of money in my checking account, I guess my rent check didn't go through yet. Oh, it did? Huh. Hang on, I manufactured spend on my CSR last month so that's like $2000 that has to be paid out. Wait, that was already paid too? Huh. *goes to www.vanguard.com* "

Speaking of rent checks, we're probably not going to see ours this month because the floors need to be redone because of some water damage.  It's rough being the one that gets the rent check instead of the one that pays it. 

Jakejake

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Re: Mustachian People Problems (just for fun)
« Reply #3374 on: December 14, 2016, 11:44:55 AM »
... So I go to the bank and pull a few hundred out for pocket money for the month. Every time I go in there, they look at my accounts and offer to set me up with a better savings account and I decline.
It's been a few months since I caught up with this thread. I had a crazy unsolicited high pressure sales pitch from my local bank manager that I had too much money sitting in savings there and I should move it to something with better returns. It was beyond polite suggestion and into car salesman tactics. It felt kinda nice on a later visit to let them know I listened to his advice and did a big transfer from their bank to our Vanguard accounts. 

A new submission to the thread, a letter I received a few months ago from the Office of Retirement Services:

"Dear Jakejake,

Effective July 1, 2016, the State of Michigan 401k and 457 plans will be establishing a new policy that limits the elective contribution rate to 70 percent of gross wages. During a recent review of your State of Michigan 457 Plan account, our records indicate your elective contribution rate is greater than 70 percent. Because of this, your contribution rate will be adjusted to the new maximum of 70 percent, which will begin with the next available pay period after July 1 ..."

-----
Joke's on them. I FIRE'd in June.  I like to think I'm the one person who broke the system.

katstache92

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Re: Mustachian People Problems (just for fun)
« Reply #3375 on: December 14, 2016, 12:13:21 PM »
Just had to call Vanguard because I'm going to max out my 401k for the first time ever (yay!) and I didn't know what would happen to the overage that would be caused by my current percentage.  Then I had to explain I wasn't really over 18k already that my last paycheck from 2015 hit Vanguard in early 2016 and the total Vanguard shows isn't what my pay stub shows.

Apparently the payroll of my company will take care of it and stop it automatically at 18k.  So let's hope that happens.

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3376 on: December 14, 2016, 12:55:49 PM »
Good call, TrMama.  Thank you for the update.

"Since we're in BC there is only one car insurer..."
In New York State, where there are possibly dozens of auto insurers (maybe?  a lot, at least), this amazes me.

This is specific to BC in Canada, and doesn't exist in any form in any US state. It's a little analogous to the states where the state controls the Workers Comp market entirely (ND, OH, WA, WY), as opposed to NY where dozens of carriers write WC, but there's also the State Fund.


This is the same in multiple provinces, here is SK my insurance (comes standard as part of renewing your license plate) was $1200/year for my car, and this is after a 20% discount for good driving. DW's old vehicle, a 2004 2 door manual honda civic was $1300/yr, this is because a 2 door standard in classified as a sports car.... It's doesn't make a lot of sense and makes owning vehicles very expensive here.

On the plus side though, it seems to make it more difficult for egregious personal injury lawsuits to gain any traction. Since ICBC (the BC auto insurance company) is the only one that can sell liability insurance here, they always represent both sides and it's difficult for people who don't have a demonstrable problem to get any kind of payout.

I know there are a lot of complaints about single insurer provinces/states. But they are fantastic at limiting liability and therefore protecting our stash.

StartingEarly

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Re: Mustachian People Problems (just for fun)
« Reply #3377 on: December 14, 2016, 06:41:57 PM »
I want to buy a first generation Honda Insight, but I can't justify the cost of a second vehicle with fuel savings. Guess I will have to buy it anyways and feel guilty about spending a few thousand on a toy that at best will come out as a wash lol

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3378 on: December 15, 2016, 12:38:20 AM »
...
Joke's on them. I FIRE'd in June.  I like to think I'm the one person who broke the system.

Congratulations Jakejake!

Hadilly

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Re: Mustachian People Problems (just for fun)
« Reply #3379 on: December 15, 2016, 07:20:05 AM »
I have way too much uninvested money sitting in a vanguard money market account that I need to get into the market.

aetherie

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Re: Mustachian People Problems (just for fun)
« Reply #3380 on: December 15, 2016, 08:05:32 AM »
I want to buy a first generation Honda Insight, but I can't justify the cost of a second vehicle with fuel savings. Guess I will have to buy it anyways and feel guilty about spending a few thousand on a toy that at best will come out as a wash lol

Do it! I <3 my 1st gen Insight. Best car ever, even if it sometimes has trouble getting up hills.

theadvicist

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Re: Mustachian People Problems (just for fun)
« Reply #3381 on: December 15, 2016, 10:55:14 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

I ran a year end report that showed our total spending as 80,000!!! Now, we've done some work on our house this year but I nearly fell off my chair (genuinely!).

When I drilled down I saw 55k was to our mortgage. Phew.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3382 on: December 16, 2016, 05:24:28 PM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3383 on: December 16, 2016, 05:46:08 PM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

So they expect people to have no more than 10 accounts, but a hundred AUs on each account?  Sounds backwards.

Playing with Fire UK

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Re: Mustachian People Problems (just for fun)
« Reply #3384 on: December 17, 2016, 01:55:48 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3385 on: December 17, 2016, 02:41:18 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either. I read about it a while back but I don't remember where.

You can read about the checksum here (though despite checking the source code I wouldn't enter your cc number there) http://www.brainjar.com/js/validation/default2.asp

EDIT -: only six digits are random. http://www.businessinsider.com/credit-card-numbers-meaning-2014-7
« Last Edit: December 17, 2016, 02:50:27 AM by johnny847 »

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Re: Mustachian People Problems (just for fun)
« Reply #3386 on: December 17, 2016, 02:44:42 AM »
Usually credit card companies distinguish between cards using the last four or five digits.  "The AMEX ending in 12345", for example.

I do credit card offers.  So many that I, by chance, have two AMEX cards with the same ending five digits.  This causes confusion when I try to talk to AMEX about the newer card.

In other news, my Lexus with 145K miles is too old for Uber.

This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

So they expect people to have no more than 10 accounts, but a hundred AUs on each account?  Sounds backwards.

The checksum isn't meant to be a unique identifier.

Furthermore I assume Amex doesn't give a shit about the problems having two cards with the same last four digits can cause.

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Re: Mustachian People Problems (just for fun)
« Reply #3387 on: December 17, 2016, 03:35:24 AM »
  LOL you know you're mustachian when your out of control spending is 21K/yr.

Love this!

I ran a year end report that showed our total spending as 80,000!!! Now, we've done some work on our house this year but I nearly fell off my chair (genuinely!).

When I drilled down I saw 55k was to our mortgage. Phew.

Haha. Nice.
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Re: Mustachian People Problems (just for fun)
« Reply #3388 on: December 17, 2016, 06:12:16 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either.

But the whole point of a check sum is that changing any one number or switching any two adjacent numbers should change the check sum digit. So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards. It could be that the check sum doesn't use the whole 14 digits?


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Re: Mustachian People Problems (just for fun)
« Reply #3389 on: December 17, 2016, 08:02:41 AM »
This actually isn't all that uncommon for people with mutliple first party Amex cards. From reddit.

Quote
Their format: ABBC

A: This starts at 1 and gets incremented by one if you get a replacement because of loss or theft or whatever.

BB: This tells whether it's an AU card or primary. The primary card is 00, first AU is 01, and so on.

C: This is the checksum and is mathematically generated from the other 14 digits.

All of my first cards on a new Amex account have ended in 000, I think I've had five in total. Could be different in the UK but a bit of a coincidence if all the check sums are 0.

Not particularly. The other digits in Amex cards isn't all that random either.

But the whole point of a check sum is that changing any one number or switching any two adjacent numbers should change the check sum digit. So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards. It could be that the check sum doesn't use the whole 14 digits?

Your first point is correct, but there are only ten possible checksum digits. Furthermore as I already noted only six digits are random between your credit cards.

Why don't you run the formula to find out?

EDIT: Because only six digits are random between your credit cards, while the checksum is generated from all the other 14 digits, only the six random digits will actually change the checksum. And if you look at the formula there are plenty of combinations of changes to pairs of digits that will not change the checksum.
« Last Edit: December 17, 2016, 08:08:19 AM by johnny847 »

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Re: Mustachian People Problems (just for fun)
« Reply #3390 on: December 17, 2016, 08:08:22 AM »
So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards.

As johnny847 pointed out, there are only 10 possible checksum digits, regardless of how much you change around the other digits. So the odds of have the same checksum on 5 randomly chosen cards should be 1 in 100,000.

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Re: Mustachian People Problems (just for fun)
« Reply #3391 on: December 17, 2016, 08:23:41 AM »
So as the other numbers are different it would be unlikely that a check sum of all 14 numbers would be identical on 5 different cards.

As johnny847 pointed out, there are only 10 possible checksum digits, regardless of how much you change around the other digits. So the odds of have the same checksum on 5 randomly chosen cards should be 1 in 100,000.

True, but the cards aren't chosen at random here. We already know that the first four digits are not random. They're fixed. Digits twelve through fourteen are always 100 if the OP has never lost a card and asked for a replacement, and is not an authorized user card. This will bias your checksum digit.

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Re: Mustachian People Problems (just for fun)
« Reply #3392 on: December 17, 2016, 08:25:20 AM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am. The problem is I was waiting for the market to go down so I could get a bargain. Drunk-me doesn't understand buying mutual funds on sale.

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Re: Mustachian People Problems (just for fun)
« Reply #3393 on: December 17, 2016, 09:56:46 AM »
...Drunk-me doesn't understand buying mutual funds on sale.
Drunk you DOES understand dollar-cost-averaging, so stop complaining.

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Re: Mustachian People Problems (just for fun)
« Reply #3394 on: December 17, 2016, 10:12:25 AM »
...Drunk-me doesn't understand buying mutual funds on sale.
Drunk you DOES understand dollar-cost-averaging, so stop complaining.

And at least drunk you isn't blowing money on useless junk!

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Re: Mustachian People Problems (just for fun)
« Reply #3395 on: December 17, 2016, 10:55:11 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind, and if we're on a road trip, they have the best bathrooms, lol!)
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Re: Mustachian People Problems (just for fun)
« Reply #3396 on: December 17, 2016, 11:43:26 AM »
My MPP:
I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

I think this means you get a prize?

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Re: Mustachian People Problems (just for fun)
« Reply #3397 on: December 17, 2016, 11:51:17 AM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind,
My reward is drinking the free coffee they offer at Home Depot.

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Re: Mustachian People Problems (just for fun)
« Reply #3398 on: December 18, 2016, 01:57:39 PM »
My MPP:

I've reduced my coffee out habit so much that now I'm losing my starbucks gold status. =( So I won't earn free drinks and stuff when I *do* buy coffee now.

(~3 years ago, I would buy coffee out 6-10 times per week. Now it's once per month, tops. Really the only standing rules are, if a Home Depot trip takes more than 2 hours, I get a coffee reward for not losing my damn mind,
My reward is drinking the free coffee they offer at Home Depot.

Wait what? Where do they offer free coffee there? I have never seen this!
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Re: Mustachian People Problems (just for fun)
« Reply #3399 on: December 18, 2016, 04:32:36 PM »
I got drunk last night and put $2,000 in my Roth IRA at 2 am.

Haha .. love this! You're so Mustachian that this is what you're thinking of when drunk!