Author Topic: Mustachian People Problems (just for fun)  (Read 1066940 times)

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #3400 on: December 18, 2016, 05:13:36 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!

Oh now you're just giving me ideas! I want to dump more money into CommSec but can't seem to pull the trigger while sober...

Warlord1986

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Re: Mustachian People Problems (just for fun)
« Reply #3401 on: December 18, 2016, 07:51:14 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!

I actually think it's because I was with a friend who told me I should do it. I can't quite recall the actual conversation but it probably went something like:

"Save, baby girl, save. Those dumbasses who spend all their money never escape the rat race. Save your money and then you don't have to kiss ass to keep a shitty job."

We've had that conversation before and it usually goes along those lines.

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Re: Mustachian People Problems (just for fun)
« Reply #3402 on: December 19, 2016, 01:57:53 AM »
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!

I actually think it's because I was with a friend who told me I should do it. I can't quite recall the actual conversation but it probably went something like:

"Save, baby girl, save. Those dumbasses who spend all their money never escape the rat race. Save your money and then you don't have to kiss ass to keep a shitty job."

We've had that conversation before and it usually goes along those lines.

This is a good friend.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #3403 on: December 19, 2016, 06:06:49 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.

Wait what? Where do they offer free coffee there? I have never seen this!
The HD near me has it near the commercial sales area.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3404 on: December 19, 2016, 06:38:26 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.

(~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!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.
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Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #3405 on: December 19, 2016, 01:03:10 PM »
It almost sounds like a fun family outing. I can take my dog into Home Depot. My kids think the place is awesome. And free coffee for the parents!

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Re: Mustachian People Problems (just for fun)
« Reply #3406 on: December 19, 2016, 02:15:00 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, and if we're on a road trip, they have the best bathrooms, lol!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.

...do you have to be a contractor to go into the contractor area?

It almost sounds like a fun family outing. I can take my dog into Home Depot. My kids think the place is awesome. And free coffee for the parents!

Old Miss Dog would have no interest in this. People think she is cute and want to touch her. If she's in public, she would prefer people go away and leave her to her sniffing of interesting things.

I don't mind short HD trips. It's the long ones that kill me. Usually because it means we've had to go through multiple sales associates that have no idea what they're doing, or are dealing with some sort of stock issue. Since buying a house, I feel like we live at HD some days.
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Rural

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Re: Mustachian People Problems (just for fun)
« Reply #3407 on: December 19, 2016, 03:22:46 PM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,
« Last Edit: December 19, 2016, 03:25:47 PM by Rural »

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3408 on: December 19, 2016, 03:30:24 PM »
So, not totally mustachian because we were buying a car, but we weren't sure if we were going to finance part of it (so we could keep more cash invested), or just pay in cash. Anyway, we filled out the application for financing so we'd at least have the option. We'll see what interest rate they come back with.

While writing down our personal finance details, I felt dizzy.  I had to ask DH what our house is worth. He had to ask me how much he makes annually. Neither of us knew what to put down in the section on how much we pay in rent/mortgage, since we recently paid off our mortgage. The whole exercise felt really surreal. Kind of like standing naked in front of a room full of strangers.

Next MPP: We pick up the car on Thursday. On Friday, I will bike to work.

TrMama

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Re: Mustachian People Problems (just for fun)
« Reply #3409 on: December 19, 2016, 03:32:15 PM »
...do you have to be a contractor to go into the contractor area?

Yes, they check your contractor license before they let you through the golden doors ;-)

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3410 on: December 21, 2016, 01:23:39 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3411 on: December 21, 2016, 02:06:52 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Passive solar heating: no panels.
Give me one fine day of plain sailing weather and I can mess up anything.

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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3412 on: December 21, 2016, 02:56:51 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.
Let it rot in the house. Rotting produces heat ;)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3413 on: December 21, 2016, 02:57:14 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3414 on: December 21, 2016, 03:38:07 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?
Give me one fine day of plain sailing weather and I can mess up anything.

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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3415 on: December 21, 2016, 04:18:36 AM »
Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Doesn't this go by itself? Our compost bin outside is well insulated. It even has an extra lid inside that presses on the stuff that is inside. A lot of heat comes off it. De composting itself generates heat well. But it does get a bit smelly. I personally wouldn't want it in my house.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3416 on: December 21, 2016, 05:00:00 AM »
This is either a "I've spoiled my children rotten" or a "mustachian children" problem. Christmas is in 3 days, and the kids don't have a wish list. Or, the oldest has one, where the top item is that we help her clean her room. We can probably find something they need, like clothes to replace what they have grown out of, or rebuild their furniture to better fit their needs. But the girls both have clearly said that they are very happy with what they have got in the toys, books, and hobbies department.
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Rural

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Re: Mustachian People Problems (just for fun)
« Reply #3417 on: December 21, 2016, 05:15:14 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Okay, guys, dogs. Sneaky big ones. I cannot compost in the house even if I had magic no-smell compost; I must do it outside their fence.

 However, if it makes you feel better, the tomatoes I had growing next to the compost survived the first two light freezes, no doubt in part because of the microclimate from our southern espxoosure but surely also partly due to the heat from the compost (and the general health that results from growing so close to the heap likely didn't hurt).

And for Linda: yes passive solar heat, no panels. High thermal mass, southern exposure only (rest of the house is earth sheltered), lots and lots of heat gain from the sun through our southern wall of mostly windows in winter most of the time. But not the last few days. Which is frustrating since today will be the very best angle for getting the most of our solar heat all year, and what do we have? Freezing fog.

So today's MPP: freezing fog.
« Last Edit: December 21, 2016, 07:38:15 AM by Rural »

Apples

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Re: Mustachian People Problems (just for fun)
« Reply #3418 on: December 21, 2016, 07:33:04 AM »
...do you have to be a contractor to go into the contractor area?

Yes, they check your contractor license before they let you through the golden doors ;-)

You do not.  I've been over in that section.  I've needed to buy a few things for our farm from that section of the store.  I am not the sort of person you would mistake for a contractor, and I couldn't fake it.  And they don't really guard the coffee or anything.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3419 on: December 21, 2016, 08:16:21 AM »
So, not totally mustachian because we were buying a car, but we weren't sure if we were going to finance part of it (so we could keep more cash invested), or just pay in cash. Anyway, we filled out the application for financing so we'd at least have the option. We'll see what interest rate they come back with.

While writing down our personal finance details, I felt dizzy.  I had to ask DH what our house is worth. He had to ask me how much he makes annually. Neither of us knew what to put down in the section on how much we pay in rent/mortgage, since we recently paid off our mortgage. The whole exercise felt really surreal. Kind of like standing naked in front of a room full of strangers.

Next MPP: We pick up the car on Thursday. On Friday, I will bike to work.

Well, for rent/mortgage, just take the annual property tax and divide by 12....
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TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3420 on: December 21, 2016, 08:31:20 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!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.

...do you have to be a contractor to go into the contractor area?

I'm not a contractor and have gotten coffee or made tea in literally dozens of Home Depot/Lowe's in at least 6 states. Hell, when I go to my local store in the morning I bring my nearly empty travel mug with ~1" of milk in the bottom to fill up.

Nobody ever says anything, except possibly something like "The one on the left is fresh"
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katstache92

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Re: Mustachian People Problems (just for fun)
« Reply #3421 on: December 21, 2016, 01:13:40 PM »
My current problem: I really want to get to 6 digits in investments by the end of the year.  My remaining 401k contributions won't get me there.  I was thinking, I'll just dump $1,500 into a taxable account.  Then I realized, if I felt I had enough sitting in my e-fund to do that then I should wait until January 1 and put it into the 2017 roth.  Bummer.

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Re: Mustachian People Problems (just for fun)
« Reply #3422 on: December 21, 2016, 01:18:22 PM »
My current problem: I really want to get to 6 digits in investments by the end of the year.  My remaining 401k contributions won't get me there.  I was thinking, I'll just dump $1,500 into a taxable account.  Then I realized, if I felt I had enough sitting in my e-fund to do that then I should wait until January 1 and put it into the 2017 roth.  Bummer.

#mpp #alreadymaxxed2016 ?
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TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #3423 on: December 21, 2016, 08:07:58 PM »
It almost sounds like a fun family outing. I can take my dog into Home Depot. My kids think the place is awesome. And free coffee for the parents!

Every bathroom has a baby changing station.

That's better than Kennedy Space Center (visitor's center)
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StartingEarly

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Re: Mustachian People Problems (just for fun)
« Reply #3424 on: December 21, 2016, 08:37:03 PM »
$5500 for traditional IRA maxed?

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #3425 on: December 22, 2016, 09:13:10 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!)

When I go to Home Depot I get a coffee reward too!

From Home Depot.

For Free.

In the contractor area. Exact location depends on the store.

If you don't drink coffee, most of 'em have a hot water tap on the machine if you have a teabag - which I do when traveling. Some of them stock hot cocoa packets.

Works at Lowe's too.

...do you have to be a contractor to go into the contractor area?

I'm not a contractor and have gotten coffee or made tea in literally dozens of Home Depot/Lowe's in at least 6 states. Hell, when I go to my local store in the morning I bring my nearly empty travel mug with ~1" of milk in the bottom to fill up.

Nobody ever says anything, except possibly something like "The one on the left is fresh"

Thank you for the info guys! I will pursue this while in store next time. So like... tomorrow, probably, given our track record.

(But shhh, I'm gonna keep my 2 hour rule, don't tell the MMM police. But now I'll have coffee on my sub-2 hour trips, too!)
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Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #3426 on: December 22, 2016, 09:32:39 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Increase the size above 2 cu.ft.

Cromacster

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Re: Mustachian People Problems (just for fun)
« Reply #3427 on: December 22, 2016, 10:14:12 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

They work, but their production is down to like 10% of capacity.  This can even happen with a partially shaded panel (ie from a tree or other building).  This is why placement of the panels and region you live in play a big factor.
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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3428 on: December 22, 2016, 11:11:12 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

They work, but their production is down to like 10% of capacity.  This can even happen with a partially shaded panel (ie from a tree or other building).  This is why placement of the panels and region you live in play a big factor.
Thats photovoltaic = electricity. I thought the poster meant heating water with ("in") the panels = solar. There you get heat even when half is shadowed - just half the heat.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #3429 on: December 22, 2016, 11:47:07 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

They work, but their production is down to like 10% of capacity.  This can even happen with a partially shaded panel (ie from a tree or other building).  This is why placement of the panels and region you live in play a big factor.
Thats photovoltaic = electricity. I thought the poster meant heating water with ("in") the panels = solar. There you get heat even when half is shadowed - just half the heat.


Neither PV nor solar water heating - both are fine things, but what we have is passive solar heating, which pretty well has to be set up at the building design stage as we did.


https://en.m.wikipedia.org/wiki/Passive_solar_building_design

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Re: Mustachian People Problems (just for fun)
« Reply #3430 on: December 29, 2016, 02:30:34 PM »
Gonna brag on myself for a sec:  Because I budget and track my expenses so carefully, I noticed a few dollar and cents discrepancy between my HOA dues invoice for January and what had been stated in the approved 2017 budget.  I reported this to the manager.  Turns out that all of the owners in the HOA received similarly incorrect invoices, since the billed amounts had been based on a draft of the budget rather than the final approved budget.  So, my MMM ways allowed for quick discovery and correction of the error.  Yay!

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Re: Mustachian People Problems (just for fun)
« Reply #3431 on: December 29, 2016, 03:51:47 PM »
I got some cash for Christmas, and I don't have anything to spend it on. It's annoying to have to carry it around or remember where I put it in my house. Waah :)

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Re: Mustachian People Problems (just for fun)
« Reply #3432 on: December 29, 2016, 04:21:23 PM »
I got some cash for Christmas, and I don't have anything to spend it on. It's annoying to have to carry it around or remember where I put it in my house. Waah :)
My kids are of that age when their class mates are starting to prefer getting cash for birthday presents. I have never gotten around to the ATM, so the cash envelope from grandpa for christmas was perfect for the next 10 birthdays my kids get invited to. We also have a few books and hobby kits for those kids that prefer things.

My cash "problem" is in Euros. I usually have some on hand for job travels in the EU. But last time the journey went to Croatia, a country that still uses the kuna. It turned out a lot of cafes and smaller shops didn't take cards either, so it ended up being a cheap trip. Well, at least I should be covered for the job trips in 2017.
Travelling southern Norway, Iceland and the Faroes in an electric car: http://travelelectric.blogspot.no/

marty998

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Re: Mustachian People Problems (just for fun)
« Reply #3433 on: December 29, 2016, 05:27:12 PM »
Gonna brag on myself for a sec:  Because I budget and track my expenses so carefully, I noticed a few dollar and cents discrepancy between my HOA dues invoice for January and what had been stated in the approved 2017 budget.  I reported this to the manager.  Turns out that all of the owners in the HOA received similarly incorrect invoices, since the billed amounts had been based on a draft of the budget rather than the final approved budget.  So, my MMM ways allowed for quick discovery and correction of the error.  Yay!

Mine is $4.72 in credit because I've been rounding the payments for the last year or so.

So I get a slight discount on the next one...

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3434 on: December 31, 2016, 07:32:57 AM »
My MPP: I've been avoiding opening the door all day to keep the house warmer with less fuel, but now I'm cooking and I need to get to my compost heap with the scraps. Dilemma.


ETA: and our passive solar heat isn't working because we haven't seem the sun in several days,

Take a small bin with a lid in the kitchen for the scraps and empty it outside once or twice a week.

Doesn't your solar heat work with solar panels? I thought these panels worked also with cloudy weather, as long as there is daylight.

Keep the compost heap in the house and reap the thermal rewards of decomposition

Ooh...ooh... how can I increase the thermal mass of my indoor compost bin?

Increase the size above 2 cu.ft.

I don't know that I create enough decomposable waste to fill that much space.
Give me one fine day of plain sailing weather and I can mess up anything.

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Shropskr

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Re: Mustachian People Problems (just for fun)
« Reply #3435 on: January 01, 2017, 12:58:12 AM »
Kinda funny. Last night my kiddo was sick a puked all over the floor. YUCK!  I keep a roll of paper towels such occasions, and rarely use it.   Then used my years old birthday gift a spot lifter.  To clean up.  I put stuff away but it was two am. Of course.   So this morning after I wake up my son brings down the roll of paper towels.  "So mom, where does the really big toilet paper go?"


So my mpp is my kiddo doesn't even know what paper towels are.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3436 on: January 01, 2017, 03:59:25 PM »
Kinda funny. Last night my kiddo was sick a puked all over the floor. YUCK!  I keep a roll of paper towels such occasions, and rarely use it.   Then used my years old birthday gift a spot lifter.  To clean up.  I put stuff away but it was two am. Of course.   So this morning after I wake up my son brings down the roll of paper towels.  "So mom, where does the really big toilet paper go?"


So my mpp is my kiddo doesn't even know what paper towels are.

I LOLed but then I learned.

http://www.wisegeek.com/what-is-the-history-of-paper-towels.htm

neverrun

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Re: Mustachian People Problems (just for fun)
« Reply #3437 on: January 02, 2017, 05:52:08 AM »
I maxed out my IRA for the year yesterday.  Now I have to wait 364 days to add more money to it.

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #3438 on: January 02, 2017, 06:33:40 AM »
I maxed out my IRA for the year yesterday.  Now I have to wait 364 days to add more money to it.

I know it dang it!
There are two types of people in this world. Those who think they can and those who think they can't. They are both right. - Henry ford

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #3439 on: January 02, 2017, 06:15:22 PM »
I maxed out my IRA for the year yesterday.  Now I have to wait 364 days to add more money to it.

I know it dang it!

Thanks for the reminder guys

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3440 on: January 03, 2017, 04:42:48 AM »
I had to buy lunch at work today, because my homemade lunch is laying at home.

cheeEEeese

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Re: Mustachian People Problems (just for fun)
« Reply #3441 on: January 03, 2017, 04:52:21 PM »
After adding $5500 to my 2017 Roth IRA today, I went to change my 401k contribution rate and was surprised that I could not choose 16.5%. The site only would let me choose whole numbers. I will just have to choose 17% and hope I don't go over the limit.

FXF

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Re: Mustachian People Problems (just for fun)
« Reply #3442 on: January 03, 2017, 04:57:30 PM »
After adding $5500 to my 2017 Roth IRA today, I went to change my 401k contribution rate and was surprised that I could not choose 16.5%. The site only would let me choose whole numbers. I will just have to choose 17% and hope I don't go over the limit.
You wont, contributions are caped and will be stopped automatically. At least that is the way it should be and is for me (with Fidelity).

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #3443 on: January 03, 2017, 06:46:42 PM »
After adding $5500 to my 2017 Roth IRA today, I went to change my 401k contribution rate and was surprised that I could not choose 16.5%. The site only would let me choose whole numbers. I will just have to choose 17% and hope I don't go over the limit.
You wont, contributions are caped and will be stopped automatically. At least that is the way it should be and is for me (with Fidelity).

Watch out.  This is dependent on the payroll person/company used by your employer and/or the firm holding the 401(k) realizing that this could be an issue.  At OldJob, I asked and found out that going over was going to cause major headaches for payroll, so I carefully set my contribution rate to undershoot by around $2, which was the closest under number I could get while limited to round percentages.
Because your toaster got hacked because you tried to watch porn on your blender.

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Go soak your beans.  You know you keep forgetting.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #3444 on: January 03, 2017, 08:07:47 PM »
Over contributed to 18k limit, but not over for the age50 6K adder.

net upshot, 114 after tax, without fuss. 

    Is there a way to separate the aftertax out when withdrawing? I've got 3K aftertax in the401(k).

mwulff

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Re: Mustachian People Problems (just for fun)
« Reply #3445 on: January 04, 2017, 12:00:01 AM »
I discovered that I can't do direct deposits into our car-loan. I actually have to have a teller do it for me. But hey, if they want an email every month saying put $3000 more into the car I can send it.

Cannot Wait!

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Re: Mustachian People Problems (just for fun)
« Reply #3446 on: January 04, 2017, 07:11:02 AM »
And that will be for only 2 months, right?  Right?

MPP: I assume nobody needs a car worth more than $6000.
« Last Edit: January 04, 2017, 07:15:28 AM by Cannot Wait! »
806228541398102 is my referral code for Questrade and 48650126S1 for Tangerine.  Hey, why not?

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3447 on: January 04, 2017, 12:30:49 PM »
I discovered that I can't do direct deposits into our car-loan. I actually have to have a teller do it for me. But hey, if they want an email every month saying put $3000 more into the car I can send it.

Ha!  I discovered the same issue after taking a very-low-interest car loan just so that I could keep more cash on hand.  I spent about six months of walking to the bank to hand over a check before I got sick enough of the process to just pay off the damn loan.  Plus, the bank had promised an additional reduction in the rate if I were to open a checking or savings account, which I did.  But they never processed the rate reduction, and my efforts to resolve were not fruitful -- people at the bank told me I had to call the 800 number and people on the 800 number told me I had to go in person to the bank.  Screw all that!

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #3448 on: January 04, 2017, 03:47:38 PM »
Over contributed to 18k limit, but not over for the age50 6K adder.

net upshot, 114 after tax, without fuss. 

    Is there a way to separate the aftertax out when withdrawing? I've got 3K aftertax in the401(k).
no. You either fix it before the annual deadline to fix it or you have to deal with it forever. If it's 1% of your assets as of when it was deposited then assuming you have no further contributions then 1% of all your withdrawals will be taxable. If you maybe further contributions you would have to figure how much your 1% changes each time you contribute. Does it become .99 or .98, etc. If you mix pre and post tax in one account it becomes a royal pain

bzzzt

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Re: Mustachian People Problems (just for fun)
« Reply #3449 on: January 05, 2017, 07:44:43 AM »
When you're disappointed that your first half property tax bill isn't here yet because you want to get it on this credit card statement so you meet the minimum spend for the sign up bonus.

"Come on! Let me charge $2000!"