Author Topic: Mustachian People Problems (just for fun)  (Read 1156069 times)

Cannot Wait!

  • Pencil Stache
  • ****
  • Posts: 723
  • Age: 51
  • Location: Canada
  • FIREd 2016 @ 49
Re: Mustachian People Problems (just for fun)
« Reply #3600 on: January 28, 2017, 04:28:45 PM »
buynothingproject.org
806228541398102 is my referral code for Questrade and 48650126S1 for Tangerine.  Hey, why not?

aGracefulStomp

  • 5 O'Clock Shadow
  • *
  • Posts: 48
  • Location: Australia
Re: Mustachian People Problems (just for fun)
« Reply #3601 on: January 28, 2017, 07:19:31 PM »
When there's no point getting a rewards credit card because you don't spend enough to make it worthwhile. Guess I'll just go with the plain ole boring no-fee option to earn as much interest on my savings as possible each month...*sigh*
« Last Edit: January 28, 2017, 07:24:11 PM by aGracefulStomp »



StartingEarly

  • Bristles
  • ***
  • Posts: 427
  • Age: 27
  • Location: Wisconsin
Re: Mustachian People Problems (just for fun)
« Reply #3602 on: January 29, 2017, 01:33:38 PM »
I know in the United States you can get rewards as percentages off without having an annual fee. Are those cards not available in Australia?

Zikoris

  • Magnum Stache
  • ******
  • Posts: 2604
  • Age: 31
  • Location: Vancouver, BC
  • Vancouverstachian
Re: Mustachian People Problems (just for fun)
« Reply #3603 on: January 29, 2017, 01:46:57 PM »
You struggle to explain to others how you save so much money on Spending Category X, because you've been doing it for so long that the specific actions have become simply deeply ingrained habits.
Blogging about frugality, travel, and Vancouver life - www.incomingassets.wordpress.com

I also have a journal! http://forum.mrmoneymustache.com/journals/the-zikoris-diaries/

aGracefulStomp

  • 5 O'Clock Shadow
  • *
  • Posts: 48
  • Location: Australia
Re: Mustachian People Problems (just for fun)
« Reply #3604 on: January 29, 2017, 05:51:44 PM »
I know in the United States you can get rewards as percentages off without having an annual fee. Are those cards not available in Australia?

There are a few but then the rewards are so small that i still don't know if it's worth it (for example I figured that I would get $20 off my grocery bill every 6 months. I mean yeah, it's an advantage but not anything to write home about!)

Also another one: having the smallest bedroom in the house yet it still being too big for your limited amount of stuff. Not sure what to do with the other half of my bedroom which is completely empty.



theadvicist

  • Handlebar Stache
  • *****
  • Posts: 1391
Re: Mustachian People Problems (just for fun)
« Reply #3605 on: January 30, 2017, 04:38:26 AM »

Belated Angry Life Cheerleading: DO NOT APOLOGIZE FOR BEING GOOD AT COOKING AND SAYING SO. YOU'RE A BADASS ADVENTUROUS CHEF WHO SHOULD BE PROUD OF YOUR SKILLS.

Thanks MJ. So sorry, so British, so must never appear to be bragging.

Related - I'm also annoyed I won't be able to publicly celebrate paying off the mortgage. Too braggy and unseemly to be socially acceptable here. Accidentally told one person, well confirmed more than told, we'd be done in 3 years (should have been finished in 2039) and the look on her face!

Playing with Fire UK

  • Handlebar Stache
  • *****
  • Posts: 2010
Re: Mustachian People Problems (just for fun)
« Reply #3606 on: January 30, 2017, 05:46:58 AM »
Belated Angry Life Cheerleading: DO NOT APOLOGIZE FOR BEING GOOD AT COOKING AND SAYING SO. YOU'RE A BADASS ADVENTUROUS CHEF WHO SHOULD BE PROUD OF YOUR SKILLS.
Thanks MJ. So sorry, so British, so must never appear to be bragging.

Related - I'm also annoyed I won't be able to publicly celebrate paying off the mortgage. Too braggy and unseemly to be socially acceptable here. Accidentally told one person, well confirmed more than told, we'd be done in 3 years (should have been finished in 2039) and the look on her face!

I'll celebrate with you.

RetiredAt63

  • Walrus Stache
  • *******
  • Posts: 6877
  • Location: Eastern Ontario, Canada
Re: Mustachian People Problems (just for fun)
« Reply #3607 on: January 30, 2017, 05:50:36 AM »
We'll all celebrate with you.
The measure of civilization is how people treat one another.

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

Adventine

  • Handlebar Stache
  • *****
  • Posts: 1178
  • Age: 28
  • Location: Manila, Philippines
Re: Mustachian People Problems (just for fun)
« Reply #3608 on: January 30, 2017, 05:56:49 AM »
Raising a toast to you right now from the other side of the world!

theadvicist

  • Handlebar Stache
  • *****
  • Posts: 1391
Re: Mustachian People Problems (just for fun)
« Reply #3609 on: January 30, 2017, 06:36:12 AM »
Aw thanks everyone! You're the nicest bunch :)

Kiwi Fuzz

  • 5 O'Clock Shadow
  • *
  • Posts: 79
  • Location: Massachusetts
Re: Mustachian People Problems (just for fun)
« Reply #3610 on: January 30, 2017, 06:47:32 AM »
Here is a top tip. Prepare the pizza on some baking paper.. Now turn your oven up to max and heat up the plate in the oven. When the oven is at temperature you take out the baking plate and transfer the pizza to the plate (just drag the paper onto it). The transfer really is a two person job though.

That way the heat in the plate gets transferred to the pizza dough and you get a crisp pizza. No need for a pizza stone or any fancy gadgets.

After that just stuff it back in the oven for 10-15 minutes.

I hope it made sense (non native english speaker here).

That makes sense! I have a metal baking tray (not sure if you mean a dinner plate but I don't have any oven proof ones) that should work for. Thank you for sharing your technique!

I love my homemade pizza's too, and now rarely eat pizza out...I've managed to get it exactly as I like it. I do either wholemeal or white bases, and have optimised  the process - oil, dried chillies, minced garlic, passata and herbs makes the type of sauce I love in under a minute, then whatever toppings I fancy.

I just use a baking tray, have had a pizza stone on my 'want' list for ages, but never pulled the trigger...

Good to know that the baking tray works for others. Thanks!

Unless you must have that exact crust texture, you don't need a pizza stone to cook a pizza in the oven.  I have a perforated metal pizza pan, but I've even used baking sheets/cookie sheets in the past.

And I like the cheap clay tile ideas of others!

Another vote for baking sheet. I'm really running out of excuses now. XD

I don't have a refined pizza palate like some of you, but I've made pizza in my cast iron skillet.  It can reach and hold high heat similar to a pizza stone.

That sounds logical only a lack a cast iron skillet. I'll keep it in mind for if I ever own one. :D

Seconding PMG. Heat the cast iron with a little oil on the stove while running the broiler. Roll out your dough, place in the pan, and then top while cooking the crust. Put it under the broiler for 2-4 minutes. If the crust isn't sufficiently crusty, put back on the stovetop to cook the bottom more.

Extra points if you make your pizza dough a few days ahead of time and keep it in the fridge so it gets a chance to get a little sourdough-y.

Your dough doesn't dry out to much in the fridge? I guess cling film would help prevent that.

Welp, I guess husband is getting homemade pizza this week. I'm due to make some more sandwich bread anyway so it's good timing - I'll just make an extra large batch of dough.

dorothyc

  • Bristles
  • ***
  • Posts: 251
  • Age: 57
  • Location: Los Angeles
Re: Mustachian People Problems (just for fun)
« Reply #3611 on: January 30, 2017, 08:30:24 AM »
Re: home made pizza. I don't bother buying mozzarella to make ours, just grate some cheddar in the food processor. I always have reasonably priced cheddar on hand. I use some jarred Marinara sauce for the tomato sauce portion.

I also make mine on a non stick cookie sheet and stretch it out to a rectangle shape. The cookie sheet I have is the dual layer gold tone ceramic one from Williams Sonoma - a bit spendy, but easy to shape the pizza on and it makes for a lovely crust.

http://www.williams-sonoma.com/products/usa-pan-goldtouch-nonstick-cookie-sheet/?pkey=e%7Cgold%2Bcookie%2Bsheet%7C142%7Cbest%7C0%7C1%7C24%7C%7C3&cm_src=PRODUCTSEARCH

ketchup

  • Magnum Stache
  • ******
  • Posts: 2783
  • Age: 26
Re: Mustachian People Problems (just for fun)
« Reply #3612 on: January 30, 2017, 01:38:30 PM »
You struggle to explain to others how you save so much money on Spending Category X, because you've been doing it for so long that the specific actions have become simply deeply ingrained habits.
YES.

Kiwi Fuzz

  • 5 O'Clock Shadow
  • *
  • Posts: 79
  • Location: Massachusetts
Re: Mustachian People Problems (just for fun)
« Reply #3613 on: January 31, 2017, 08:01:55 AM »
Re: home made pizza. I don't bother buying mozzarella to make ours, just grate some cheddar in the food processor. I always have reasonably priced cheddar on hand. I use some jarred Marinara sauce for the tomato sauce portion.

I also make mine on a non stick cookie sheet and stretch it out to a rectangle shape. The cookie sheet I have is the dual layer gold tone ceramic one from Williams Sonoma - a bit spendy, but easy to shape the pizza on and it makes for a lovely crust.

http://www.williams-sonoma.com/products/usa-pan-goldtouch-nonstick-cookie-sheet/?pkey=e%7Cgold%2Bcookie%2Bsheet%7C142%7Cbest%7C0%7C1%7C24%7C%7C3&cm_src=PRODUCTSEARCH

I'm not a huge fan of mozzarella. I don't like that much stretch in my cheese and the husband isn't fussy (I try to avoid dairy anyway due to digestive issues). We keep grated cheddar on hand (same price as the same cheap brand in block form) so I'd just be throwing that on there.

Do you use a rolling pin? I tend to just press/pull/stretch my dough into shape (then roll it for loaves) since I don't have a rolling pin (I never make pastry and usually do graham cracker crusts for pies) but I could improvise if need be.

BlueHouse

  • Magnum Stache
  • ******
  • Posts: 2571
  • Location: WDC
Re: Mustachian People Problems (just for fun)
« Reply #3614 on: January 31, 2017, 11:37:07 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.
I recently had an Amex replaced after I misplaced my card.  Amex advised me that every number would be exactly the same except for the last digit.  They also said that any auto-payments previously set up with my old card would be honored -- i didn't have to update auto-payments for that card, which was very nice.
Sometimes nothing can be a real cool hand

chaskavitch

  • Stubble
  • **
  • Posts: 171
  • Age: 32
  • Location: Fort Collins, CO
Re: Mustachian People Problems (just for fun)
« Reply #3615 on: January 31, 2017, 12:39:57 PM »
I finally convinced DH to move our Future Home Savings and Baby Chaskavitch's Future College/Wedding/Car/House savings to Vanguard - last Tuesday :(  I know the little bit the market has gone down since then isn't much at all, but I'm still kind of sad that I put our money in right before it went on sale.


dorothyc

  • Bristles
  • ***
  • Posts: 251
  • Age: 57
  • Location: Los Angeles
Re: Mustachian People Problems (just for fun)
« Reply #3616 on: January 31, 2017, 01:52:53 PM »
Re: home made pizza. I don't bother buying mozzarella to make ours, just grate some cheddar in the food processor. I always have reasonably priced cheddar on hand. I use some jarred Marinara sauce for the tomato sauce portion.

I also make mine on a non stick cookie sheet and stretch it out to a rectangle shape. The cookie sheet I have is the dual layer gold tone ceramic one from Williams Sonoma - a bit spendy, but easy to shape the pizza on and it makes for a lovely crust.

http://www.williams-sonoma.com/products/usa-pan-goldtouch-nonstick-cookie-sheet/?pkey=e%7Cgold%2Bcookie%2Bsheet%7C142%7Cbest%7C0%7C1%7C24%7C%7C3&cm_src=PRODUCTSEARCH

I'm not a huge fan of mozzarella. I don't like that much stretch in my cheese and the husband isn't fussy (I try to avoid dairy anyway due to digestive issues). We keep grated cheddar on hand (same price as the same cheap brand in block form) so I'd just be throwing that on there.

Do you use a rolling pin? I tend to just press/pull/stretch my dough into shape (then roll it for loaves) since I don't have a rolling pin (I never make pastry and usually do graham cracker crusts for pies) but I could improvise if need be.

I stretch the dough out with my fingers, leaving a little bit of a rim round the edge to catch the sauce.

highplainsdrifter

  • 5 O'Clock Shadow
  • *
  • Posts: 3
Re: Mustachian People Problems (just for fun)
« Reply #3617 on: February 01, 2017, 03:29:21 PM »
When I told my family that my wife and I are downsizing to only have one car (for her) and I will exclusively ride a bike for transportation, they offered to loan us their car for use. They think we are having money problems.

Miss Piggy

  • Pencil Stache
  • ****
  • Posts: 934
Re: Mustachian People Problems (just for fun)
« Reply #3618 on: February 01, 2017, 05:48:21 PM »
My plug-in hybrid vehicle ran on its gas engine instead of its electric motor on the way to and from the office today because it had to perform its own engine oil maintenance. Wasted a third of a gallon of gas.

Metric Mouse

  • Walrus Stache
  • *******
  • Posts: 5311
  • FU @ 22. F.I.R.E before 23
Re: Mustachian People Problems (just for fun)
« Reply #3619 on: February 01, 2017, 06:16:35 PM »
Re: home made pizza. I don't bother buying mozzarella to make ours, just grate some cheddar in the food processor. I always have reasonably priced cheddar on hand. I use some jarred Marinara sauce for the tomato sauce portion.

I also make mine on a non stick cookie sheet and stretch it out to a rectangle shape. The cookie sheet I have is the dual layer gold tone ceramic one from Williams Sonoma - a bit spendy, but easy to shape the pizza on and it makes for a lovely crust.

http://www.williams-sonoma.com/products/usa-pan-goldtouch-nonstick-cookie-sheet/?pkey=e%7Cgold%2Bcookie%2Bsheet%7C142%7Cbest%7C0%7C1%7C24%7C%7C3&cm_src=PRODUCTSEARCH

I'm not a huge fan of mozzarella. I don't like that much stretch in my cheese and the husband isn't fussy (I try to avoid dairy anyway due to digestive issues). We keep grated cheddar on hand (same price as the same cheap brand in block form) so I'd just be throwing that on there.

Do you use a rolling pin? I tend to just press/pull/stretch my dough into shape (then roll it for loaves) since I don't have a rolling pin (I never make pastry and usually do graham cracker crusts for pies) but I could improvise if need be.
We always use 3-4 cheese blends for pizza. Gives the right consistency and flavor profile. I'm not as big a fan of young cheeses like Mozzerella either, and it doesn't cost any more to mix a few together in the right proportions to really make it perfect.
Give me one fine day of plain sailing weather and I can mess up anything.

MustacheMathTM

Kiwi Fuzz

  • 5 O'Clock Shadow
  • *
  • Posts: 79
  • Location: Massachusetts
Re: Mustachian People Problems (just for fun)
« Reply #3620 on: February 02, 2017, 08:07:16 AM »
I stretch the dough out with my fingers, leaving a little bit of a rim round the edge to catch the sauce.

We always use 3-4 cheese blends for pizza. Gives the right consistency and flavor profile. I'm not as big a fan of young cheeses like Mozzerella either, and it doesn't cost any more to mix a few together in the right proportions to really make it perfect.

Thanks for the tips! I used the cheddar last night and it was good but my husband described it as 'really good garlic bread' rather than pizza-like. I didn't stretch the dough out enough so the edges were very big and puffed up while the middle was more crispy. Next time I will stretch it to cover the entire (square) tray. He did eat it all, though, so that's a good sign.

dreams_and_discoveries

  • Pencil Stache
  • ****
  • Posts: 738
  • Location: London, UK
Re: Mustachian People Problems (just for fun)
« Reply #3621 on: February 02, 2017, 12:32:30 PM »
I stretch the dough out with my fingers, leaving a little bit of a rim round the edge to catch the sauce.

We always use 3-4 cheese blends for pizza. Gives the right consistency and flavor profile. I'm not as big a fan of young cheeses like Mozzerella either, and it doesn't cost any more to mix a few together in the right proportions to really make it perfect.

Thanks for the tips! I used the cheddar last night and it was good but my husband described it as 'really good garlic bread' rather than pizza-like. I didn't stretch the dough out enough so the edges were very big and puffed up while the middle was more crispy. Next time I will stretch it to cover the entire (square) tray. He did eat it all, though, so that's a good sign.

well done on the cooking there - the great things about homemade is you can keep making these little modifications until you get it perfect for your families tastes.

dreams_and_discoveries

  • Pencil Stache
  • ****
  • Posts: 738
  • Location: London, UK
Re: Mustachian People Problems (just for fun)
« Reply #3622 on: February 02, 2017, 12:47:39 PM »
I now have enough money with Fidelity that they have promoted me to their Wealth offering.

Having read the brochure, I now have an advisor (who can't advise, seems more like customer service) and get invited to monthly meetings and drinks. Tempted to actually turn up to the free drinks, it's right round the corner from where I work.

FireHiker

  • Bristles
  • ***
  • Posts: 435
  • Location: So Cal
Re: Mustachian People Problems (just for fun)
« Reply #3623 on: February 02, 2017, 03:40:55 PM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

markbike528CBX

  • Pencil Stache
  • ****
  • Posts: 508
  • Location: the Everbrown part of the Evergreen State (WA)
Re: Mustachian People Problems (just for fun)
« Reply #3624 on: February 02, 2017, 03:46:19 PM »
I now have enough money with Fidelity that they have promoted me to their Wealth offering.

Having read the brochure, I now have an advisor (who can't advise, seems more like customer service) and get invited to monthly meetings and drinks. Tempted to actually turn up to the free drinks, it's right round the corner from where I work.
Tempted?   If "drinks" is more than bug juice, go for it!   You've already paid for it :-)

Goldielocks

  • Magnum Stache
  • ******
  • Posts: 4770
  • Location: BC
Re: Mustachian People Problems (just for fun)
« Reply #3625 on: February 02, 2017, 04:34:49 PM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

But it can be a sign that the company is in crisis.....  you never know.

DH had a small business (ok, over 150 employees after 2 years) employer that would often delay pay by a few days or a week (until the large sale would clear), etc.      BAD sign.   Company folded within 3 months, and employees were suddenly out of work, no notice or severance, employee stock purchases worth pennies, out of pocket for any un-paid vacation owing, contract employees owed over a month of pay, etc.

FireHiker

  • Bristles
  • ***
  • Posts: 435
  • Location: So Cal
Re: Mustachian People Problems (just for fun)
« Reply #3626 on: February 02, 2017, 05:02:40 PM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

But it can be a sign that the company is in crisis.....  you never know.

DH had a small business (ok, over 150 employees after 2 years) employer that would often delay pay by a few days or a week (until the large sale would clear), etc.      BAD sign.   Company folded within 3 months, and employees were suddenly out of work, no notice or severance, employee stock purchases worth pennies, out of pocket for any un-paid vacation owing, contract employees owed over a month of pay, etc.

I think it's unlikely that the company is in crisis (big company, financial profile is in good shape, lots of stable contracts right now) but with a smaller or unstable company I can certainly see that. The thing is, tomorrow is technically payday, not today; if anyone still gets paper checks, they are dated tomorrow. Direct deposit has historically gone in a day early, but technically it isn't "supposed" to go in until tomorrow anyway. It was more overhearing the co-workers freaking out about getting paid ON payday instead of a day early that confounded me!

radram

  • Pencil Stache
  • ****
  • Posts: 538
Re: Mustachian People Problems (just for fun)
« Reply #3627 on: February 02, 2017, 08:32:34 PM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

But it can be a sign that the company is in crisis.....  you never know.

DH had a small business (ok, over 150 employees after 2 years) employer that would often delay pay by a few days or a week (until the large sale would clear), etc.      BAD sign.   Company folded within 3 months, and employees were suddenly out of work, no notice or severance, employee stock purchases worth pennies, out of pocket for any un-paid vacation owing, contract employees owed over a month of pay, etc.

Just heard about a company near me that suddenly boarded its doors. Not only did the employees not get paid for their last week, but they actually went and REVERSED the last pay-period direct deposit postings from the prior week. Yup, they have a case in court, but try to get some money from a company that is worthless.

Another story:
My wife went to a gas station and filled up. She went inside to pay, told the cashier the pump, and placed a few items on the counter to purchase. Signed the cc slip and left without noticing the gas was not added to the bill. The police called her before she even got home and she had to drive back to pay to avoid an arrest. Anyone else find it strange that police protection is offered for one theft, but not others? Why do businesses get any more protections? They are people, just like us, aren't they?

theadvicist

  • Handlebar Stache
  • *****
  • Posts: 1391
Re: Mustachian People Problems (just for fun)
« Reply #3628 on: February 03, 2017, 05:34:37 AM »
I now have enough money with Fidelity that they have promoted me to their Wealth offering.

Having read the brochure, I now have an advisor (who can't advise, seems more like customer service) and get invited to monthly meetings and drinks. Tempted to actually turn up to the free drinks, it's right round the corner from where I work.

Hargreaves Landsdown just sent me a couple of fancy pens (Cross, maybe?) to thank me for being such a good client.

My MPP with this are twofold:
1) why are you wasting money on this?! I'd just rather have cheaper management fee, thanks.

2) I don't want goddam fancy pens. I like my bic, ta very much. It's just more junk I need to do something with. Ugh.

infogoon

  • Pencil Stache
  • ****
  • Posts: 823
Re: Mustachian People Problems (just for fun)
« Reply #3629 on: February 03, 2017, 06:29:32 AM »
On the first of every month, I move about half of the preceding month's take-home pay out of my checking account into my Vanguard account. This month I only moved about a quarter, because I had to cover some unexpected car repairs. I feel guilty, like I'm slacking.

LennStar

  • Pencil Stache
  • ****
  • Posts: 908
Re: Mustachian People Problems (just for fun)
« Reply #3630 on: February 03, 2017, 11:03:46 AM »
On the first of every month, I move about half of the preceding month's take-home pay out of my checking account into my Vanguard account. This month I only moved about a quarter, because I had to cover some unexpected car repairs. I feel guilty, like I'm slacking.
Shame on you! ONly saved 25%!

Repent by standing up in front of everyone and confessing your sin!

FireHiker

  • Bristles
  • ***
  • Posts: 435
  • Location: So Cal
Re: Mustachian People Problems (just for fun)
« Reply #3631 on: February 03, 2017, 12:38:09 PM »
I'm happy to say that my paycheck was direct-deposited by the time I checked my account this morning. And still happy that I wasn't one of the people panicking about it yesterday.

BlueHouse

  • Magnum Stache
  • ******
  • Posts: 2571
  • Location: WDC
Re: Mustachian People Problems (just for fun)
« Reply #3632 on: February 03, 2017, 01:23:43 PM »

Just heard about a company near me that suddenly boarded its doors. Not only did the employees not get paid for their last week, but they actually went and REVERSED the last pay-period direct deposit postings from the prior week. Yup, they have a case in court, but try to get some money from a company that is worthless.


Whoa, is that legal?  I think the bank would be on the hook for that one! 
Sometimes nothing can be a real cool hand

dreams_and_discoveries

  • Pencil Stache
  • ****
  • Posts: 738
  • Location: London, UK
Re: Mustachian People Problems (just for fun)
« Reply #3633 on: February 04, 2017, 02:06:40 AM »

Tempted?   If "drinks" is more than bug juice, go for it!   You've already paid for it :-)



Hargreaves Landsdown just sent me a couple of fancy pens (Cross, maybe?) to thank me for being such a good client.

My MPP with this are twofold:
1) why are you wasting money on this?! I'd just rather have cheaper management fee, thanks.

2) I don't want goddam fancy pens. I like my bic, ta very much. It's just more junk I need to do something with. Ugh.

I might just go and have their wine .... as others say I'd prefer less fees, but given that isn't on the table.  Actually I'd prefer a pen...

Mezzie

  • Pencil Stache
  • ****
  • Posts: 555
    • Mezzie Learns
Re: Mustachian People Problems (just for fun)
« Reply #3634 on: February 04, 2017, 06:45:00 AM »
I now have enough money with Fidelity that they have promoted me to their Wealth offering.

Having read the brochure, I now have an advisor (who can't advise, seems more like customer service) and get invited to monthly meetings and drinks. Tempted to actually turn up to the free drinks, it's right round the corner from where I work.

Hargreaves Landsdown just sent me a couple of fancy pens (Cross, maybe?) to thank me for being such a good client.

My MPP with this are twofold:
1) why are you wasting money on this?! I'd just rather have cheaper management fee, thanks.

2) I don't want goddam fancy pens. I like my bic, ta very much. It's just more junk I need to do something with. Ugh.

I would totally pay more fees for fancy pens!

My problem: I keep reading the credit card churning threads, but I can't figure out ways to manufacture enough spending to get the rewards!
http://forum.mrmoneymustache.com/journals/preparing-for-forced-early-retirement-due-to-disability/

Join my ibotta team for rebates: https://ibotta.com/r/bdtnbyj

Join my Shopkick team so we can start a Vespa gang (or you can get more practical gift cards...if you think those are better than a Vespa for some reason): https://app.shopkick.com/r/3eNYBE

Goldielocks

  • Magnum Stache
  • ******
  • Posts: 4770
  • Location: BC
Re: Mustachian People Problems (just for fun)
« Reply #3635 on: February 04, 2017, 10:40:02 AM »

Just heard about a company near me that suddenly boarded its doors. Not only did the employees not get paid for their last week, but they actually went and REVERSED the last pay-period direct deposit postings from the prior week. Yup, they have a case in court, but try to get some money from a company that is worthless.


Whoa, is that legal?  I think the bank would be on the hook for that one!

My guess, is that, just like us pedestrian folk, the bank reversed the pay (not the company) when a check from the company bounced out of the main account, and the bank was on the hook for missing money.

dorothyc

  • Bristles
  • ***
  • Posts: 251
  • Age: 57
  • Location: Los Angeles
Re: Mustachian People Problems (just for fun)
« Reply #3636 on: February 04, 2017, 04:49:52 PM »
My wife asked for two 12 packs of soda today when I was going to the store. Vons had a super sale for $2.88 a 12 pack, but the sale price was only good on multiples of 5 packs at a time.

My Mustachian people problem was that I had walked to the grocery store with my wheeled shopping cart which isn't big or strong enough to carry 60 cans of soda.

We ended up driving the car back to the store, about a 2 1/2 mile round trip, to pick up soda for the sale price. I did buy other groceries the first trip so it wasn't too bad.

Linda_Norway

  • Handlebar Stache
  • *****
  • Posts: 1753
Re: Mustachian People Problems (just for fun)
« Reply #3637 on: February 06, 2017, 01:39:12 AM »
Big problem: my packed lunch that I made this morning is not in my handbag. It's probably laying around in the kitchen at home... That means I'll have to buy lunch in the cafeteria at work today.

Adventine

  • Handlebar Stache
  • *****
  • Posts: 1178
  • Age: 28
  • Location: Manila, Philippines
Re: Mustachian People Problems (just for fun)
« Reply #3638 on: February 06, 2017, 02:55:06 AM »
I brought lunch to work today, but ended up not eating it at all because a coworker brought some delicious stew (sinigang) to share with everybody! And someone else brought dessert. And someone else brought afternoon snacks. And my personal stash of food still remains untouched. So I am super happy and full and have trouble choosing what I want to eat for dinner right now :)

radram

  • Pencil Stache
  • ****
  • Posts: 538
Re: Mustachian People Problems (just for fun)
« Reply #3639 on: February 06, 2017, 06:33:07 AM »
I brought lunch to work today, but ended up not eating it at all because a coworker brought some delicious stew (sinigang) to share with everybody! And someone else brought dessert. And someone else brought afternoon snacks. And my personal stash of food still remains untouched. So I am super happy and full and have trouble choosing what I want to eat for dinner right now :)

Can you get your extra lunch to Linda_Norway? She forgot hers.

Maybe this could be a new business venture like Uber, but for misplaced lunches :)

Call it Fooder?

radram

  • Pencil Stache
  • ****
  • Posts: 538
Re: Mustachian People Problems (just for fun)
« Reply #3640 on: February 06, 2017, 07:22:19 AM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

But it can be a sign that the company is in crisis.....  you never know.

DH had a small business (ok, over 150 employees after 2 years) employer that would often delay pay by a few days or a week (until the large sale would clear), etc.      BAD sign.   Company folded within 3 months, and employees were suddenly out of work, no notice or severance, employee stock purchases worth pennies, out of pocket for any un-paid vacation owing, contract employees owed over a month of pay, etc.

Just heard about a company near me that suddenly boarded its doors. Not only did the employees not get paid for their last week, but they actually went and REVERSED the last pay-period direct deposit postings from the prior week. Yup, they have a case in court, but try to get some money from a company that is worthless.

Another story:
My wife went to a gas station and filled up. She went inside to pay, told the cashier the pump, and placed a few items on the counter to purchase. Signed the cc slip and left without noticing the gas was not added to the bill. The police called her before she even got home and she had to drive back to pay to avoid an arrest. Anyone else find it strange that police protection is offered for one theft, but not others? Why do businesses get any more protections? They are people, just like us, aren't they?

Here is a story on the closing.
http://journaltimes.com/business/local/former-workers-last-paychecks-threatened/article_6df91834-cd4e-5d64-925a-7e00412c4130.html

Summary of the article:
A local Credit Union (fair disclosure; MY Credit Union :)) refused the reversals. So did 1 bank for 1 former employee.
The 401k withholdings, as well as the medical and dental insurance payments from the last 2 paychecks were never transferred to their expected destinations, according to 1 former employee.
A local Senator is "looking into the matter". The company was a large contributor to the governor from the same party as the Senator(information not in THIS article, but reported in others).
A letter went to all of them, describing what transpired. It began, "Dear ex-employee," and blamed the issue on the bank issuing credit to the company.

I find the article an important read. It is quite possible this company did NOTHING illegal. Kind of makes me wonder what will be done to give MORE power to businesses. Progress indeed.

Adventine

  • Handlebar Stache
  • *****
  • Posts: 1178
  • Age: 28
  • Location: Manila, Philippines
Re: Mustachian People Problems (just for fun)
« Reply #3641 on: February 06, 2017, 07:23:51 AM »
I brought lunch to work today, but ended up not eating it at all because a coworker brought some delicious stew (sinigang) to share with everybody! And someone else brought dessert. And someone else brought afternoon snacks. And my personal stash of food still remains untouched. So I am super happy and full and have trouble choosing what I want to eat for dinner right now :)

Can you get your extra lunch to Linda_Norway? She forgot hers.

Maybe this could be a new business venture like Uber, but for misplaced lunches :)

Call it Fooder?

A brilliant idea, if only I wasn't on the other side of the world and if only lunch swaps and takeout didn't exist :D

iowajes

  • Walrus Stache
  • *******
  • Posts: 5215
  • Location: United States
Re: Mustachian People Problems (just for fun)
« Reply #3642 on: February 06, 2017, 08:45:20 AM »
My first post ever in this thread, and it's pretty minor, but the situation instantly made me think of this. Usually our payroll direct deposits on Thursdays. I keep meticulous records of our finances, so I've been checking all day, and nothing has posted yet. Minor annoyance but not a big deal for us. Plenty in checking to cover yesterday's mortgage auto-pay and preschool (who won't take a credit card, grrr for missing out on travel rewards). Credit card bill not due until 2/17, plenty of time to move money from savings to cover if necessary. They finally sent out an email this afternoon that there was an ADP issue and direct deposits SHOULD post tomorrow. My mustachian people problem is that I can NOT relate to co-workers who are flipping out about it. A one day delay should really NOT be a crisis.

But it can be a sign that the company is in crisis.....  you never know.

DH had a small business (ok, over 150 employees after 2 years) employer that would often delay pay by a few days or a week (until the large sale would clear), etc.      BAD sign.   Company folded within 3 months, and employees were suddenly out of work, no notice or severance, employee stock purchases worth pennies, out of pocket for any un-paid vacation owing, contract employees owed over a month of pay, etc.

I left a company (moved) that seemed to have been doing fine, but suddenly started laying off a lot of its upper management (who were mostly "family" of the owners...)- they all go great packages. About 2 weeks after I left I got an email from a friend: they got to the office and the doors were boarded.This was the day before a payday, so most people lost a month of pay. It was never paid out; but those cushy lay-off and forced retirements for the upper levels all got paid out. 

There were a number of lawsuits, but I think the "bankruptcy" claims prevented them from going anywhere.

GreenSheep

  • Pencil Stache
  • ****
  • Posts: 555
Re: Mustachian People Problems (just for fun)
« Reply #3643 on: February 06, 2017, 09:18:37 AM »
Big problem: my packed lunch that I made this morning is not in my handbag. It's probably laying around in the kitchen at home... That means I'll have to buy lunch in the cafeteria at work today.

This reminds me... when I was a kid, every single workday, my mom had a note by the door for herself that said:

Trash

My Lunch

to remind herself to take out the trash and take her lunch to work. (One of her friends wondered why she wanted to remember to throw her lunch away, seeing "trash" as a verb.) I don't think she ever forgot it after that, but I think I'd probably eventually stop "seeing" the note and end up slipping one day! I hope you can find something delicious and cheap at the cafeteria.

Reynold

  • Stubble
  • **
  • Posts: 226
Re: Mustachian People Problems (just for fun)
« Reply #3644 on: February 06, 2017, 09:29:56 AM »
I now have enough money with Fidelity that they have promoted me to their Wealth offering.

Having read the brochure, I now have an advisor (who can't advise, seems more like customer service) and get invited to monthly meetings and drinks. Tempted to actually turn up to the free drinks, it's right round the corner from where I work.

The customer service person can be handy if you have some tricky situation come up, to connect you with the right specialty department.  For example we needed some info on trusts.  We also went to a couple of presentations, which gave fascinating insight into the herd mentality of the professional investing establishment.  And got a free dinner.  Finally, I wanted to learn something about how to do covered options trading, and he was able to arrange a training class/demo.  I decided it was too complicated. 

On the MPP front, I've developed a bit of a reputation at work for being "the scavenger", they provide lunch each Thursday, and I'm the only one still eating leftovers from it the following Monday and Tuesday.  Unfortunately my DW still struggles to adjust her shopping and food prep downwards to compensate for my often not needing lunches, plus sometimes bringing home extra food for us for the weekend. 

thingamabobs

  • Stubble
  • **
  • Posts: 130
Re: Mustachian People Problems (just for fun)
« Reply #3645 on: February 06, 2017, 11:40:54 AM »
I have 2 different HSAs as a result of changing jobs and changing insurance companies. Decided to simplify down to one. Looked at the investments available, pretty similar. Looked at the fees, one would cost me $66/year the other $36/year. So no brainer, start consolidating to the lower fee one. Then I get a notice that the lower fee bank is changing the fee structure to 0.03% of total amount max out at $10/month. So now I have to go back and move all the money back to the other account, which thankfully I haven't closed.

LennStar

  • Pencil Stache
  • ****
  • Posts: 908
Re: Mustachian People Problems (just for fun)
« Reply #3646 on: February 07, 2017, 08:18:27 AM »

I left a company (moved) that seemed to have been doing fine, but suddenly started laying off a lot of its upper management (who were mostly "family" of the owners...)- they all go great packages. About 2 weeks after I left I got an email from a friend: they got to the office and the doors were boarded.This was the day before a payday, so most people lost a month of pay. It was never paid out; but those cushy lay-off and forced retirements for the upper levels all got paid out. 

There were a number of lawsuits, but I think the "bankruptcy" claims prevented them from going anywhere.

In Germany businesses often complain that they have to pay taxes and everything social "upfront" (meaning in the middle of the month for the following).
But that means that whatever happens, your health, unemployment and pension contributions are paid. Also in case of insolvency workers get state-paid for a few month (which will then be taken back out of whatever is left of the company in case it really closes) to either get the firm back up or close it down reesponsibly, not taking others with it, and give people time to find a new job.

Damn Socialists!

Freckles

  • Magnum Stache
  • ******
  • Posts: 3329
  • Age: 2013
  • Location: West Coast, USA
Re: Mustachian People Problems (just for fun)
« Reply #3647 on: February 07, 2017, 01:10:18 PM »
*and another weeping session by an American begins*

I've really got to figure out how to move to a Socialist country.


Here's my MPP for today. My cheap and old dress that I wore to work today split up the side all the way to my waist. I had to staple it together. Here's hoping it holds out until I can go home!

SimpleCycle

  • Bristles
  • ***
  • Posts: 373
  • Location: Chicago
Re: Mustachian People Problems (just for fun)
« Reply #3648 on: February 07, 2017, 07:43:33 PM »
Here is a story on the closing.
http://journaltimes.com/business/local/former-workers-last-paychecks-threatened/article_6df91834-cd4e-5d64-925a-7e00412c4130.html

Summary of the article:
A local Credit Union (fair disclosure; MY Credit Union :)) refused the reversals. So did 1 bank for 1 former employee.
The 401k withholdings, as well as the medical and dental insurance payments from the last 2 paychecks were never transferred to their expected destinations, according to 1 former employee.
A local Senator is "looking into the matter". The company was a large contributor to the governor from the same party as the Senator(information not in THIS article, but reported in others).
A letter went to all of them, describing what transpired. It began, "Dear ex-employee," and blamed the issue on the bank issuing credit to the company.

I find the article an important read. It is quite possible this company did NOTHING illegal. Kind of makes me wonder what will be done to give MORE power to businesses. Progress indeed.

Frankly I'm surprised this got media attention.  My wife's ex-employer is smaller, but their list of financial ridiculousness is worse than this company - employee health insurance cut off twice (about six months apart), behind on payroll by six weeks at one point, missing 401k contributions, not issuing paystubs when they actually did pay payroll, not paying payroll taxes on time, etc.  And yet 15 people still work (volunteer) there, for reasons that completely mystify me.

That said, they did break some laws.  Not making payroll at all violates the Fair Labor Standards Act.  Most states have laws that require full amount of wages be paid for all work done.  Not depositing 401k contributions violates ERISA and withholding but not paying payroll taxes is also illegal.  I suspect the health insurance contributions issue probably runs afoul of ERISA or tax laws as well.  However, even if you report all the illegal activity, the wheels of justice grind pretty slowly for smaller claims.

10dollarsatatime

  • Pencil Stache
  • ****
  • Posts: 559
  • Age: 33
  • Location: Utah
Re: Mustachian People Problems (just for fun)
« Reply #3649 on: February 07, 2017, 07:45:56 PM »
Got a promotion! (Not the problem.)

Now I have to wear nicer clothes to work.  Except... I'm a technician.  Nicer clothes don't last long doing what I do.  So I need disposable nicer clothes to make the big boss happy, which I'm sure he thinks I can afford with the raise I just got.  And sure I can... but I don't want to spend it on clothes.  I think I'm going to Saver's this weekend...
I have a journal! $10 at a time
And a Kitchen Renovation thread! Kitchen Reno