Author Topic: Mustachian People Problems (just for fun)  (Read 811183 times)

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3750 on: March 06, 2017, 01:52:18 PM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

You may not get "sick," but don't you think it would be "beneficial to your health" to take those days anyway?  :-)

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #3751 on: March 06, 2017, 02:06:28 PM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

You may not get "sick," but don't you think it would be "beneficial to your health" to take those days anyway?  :-)
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I have a random day off spreadsheet, but I've always chickened out on using it.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3752 on: March 07, 2017, 01:25:02 AM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

Dropbear

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Re: Mustachian People Problems (just for fun)
« Reply #3753 on: March 07, 2017, 02:38:14 AM »
Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

A bonus would be nice!  But you wouldn't want to cash all your sick days in...  I'll need some time off for a shoulder reconstruction soon, and as I've only taken 1.5 sick days in the last 2 years, I thankfully have plenty available.

meerkat

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Re: Mustachian People Problems (just for fun)
« Reply #3754 on: March 07, 2017, 05:34:41 AM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

I started taking half days for appointments when I was getting to the capped amount for my sick time. It gave me an opportunity to run and errand or two while I was out, it was nice. Now I have a tiny germ factory (aka child) that I drop off daily to hang out with other tiny germ factories, what is this "unused sick time" you speak of?
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Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #3755 on: March 07, 2017, 05:45:34 AM »
Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

A bonus would be nice!  But you wouldn't want to cash all your sick days in...  I'll need some time off for a shoulder reconstruction soon, and as I've only taken 1.5 sick days in the last 2 years, I thankfully have plenty available.

we have a cap on ours of 90 days. After that they pay you at the end of the year for anything in excess of that.
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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #3756 on: March 07, 2017, 06:54:15 AM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

I started taking half days for appointments when I was getting to the capped amount for my sick time. It gave me an opportunity to run and errand or two while I was out, it was nice. Now I have a tiny germ factory (aka child) that I drop off daily to hang out with other tiny germ factories, what is this "unused sick time" you speak of?

There is of course not really such a thing as unused sick time. Here in Norway we may be sick 2 days in a row with a maximum of 12 days a year without getting an attest from a MD. If sick longer than this, you need a MD to prove you are really sick. People with children can stay home for an additional 10 days a year without any attest when their child is sick.

Some people feel that the have the right to use up those 12 sick days. The only thing you need to do is call your boss and tell that you are sick or that your child is sick. Of course, the rules weren't designed abusing this. I personally don't.

sw1tch

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Re: Mustachian People Problems (just for fun)
« Reply #3757 on: March 07, 2017, 07:17:13 AM »
I just thought of an MPP: I'm unable to use up my sick days because I just have not gotten sick this year.  All this biking in sub-freezing temps seems to have toughened up my system.

I think those days might go to waste when I leave this place.

Yes, I wish those of us who are never sick could somehow cash in some value for those unused sick days. Now the value is only going to our employers. Maybe we should have gotten a reward bonus every year.

I started taking half days for appointments when I was getting to the capped amount for my sick time. It gave me an opportunity to run and errand or two while I was out, it was nice. Now I have a tiny germ factory (aka child) that I drop off daily to hang out with other tiny germ factories, what is this "unused sick time" you speak of?

There is of course not really such a thing as unused sick time. Here in Norway we may be sick 2 days in a row with a maximum of 12 days a year without getting an attest from a MD. If sick longer than this, you need a MD to prove you are really sick. People with children can stay home for an additional 10 days a year without any attest when their child is sick.

Some people feel that the have the right to use up those 12 sick days. The only thing you need to do is call your boss and tell that you are sick or that your child is sick. Of course, the rules weren't designed abusing this. I personally don't.

There was a time when we got paid for excess short-term sick leave, but that option isn't offered anymore.  We have a similar system where each "sick" day is actually 2 consecutive days and a doctor's note isn't needed until the 3rd day - ours are called occurrences.  I currently have 12 of these available to me (so 24 days off w/o a doc note) as well as 840 hours of half-pay long-term sick leave.

I am also in a similar boat where I don't really feel an urge to use up my sick days but do see the benefit in doing so since they've accrued annually (w/ carry-over).  I'm still looking into what happens to these days after leaving the company; I thought they were use it or lose it, but I could be wrong.
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engineermom21

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Re: Mustachian People Problems (just for fun)
« Reply #3758 on: March 07, 2017, 08:31:59 AM »
I'm part of a junk mail group that gives you points (which turn into Visa gift cards) in return for sending them junk emails and junk mail.  I'm signed up for all the stores/companies they want info from, which means my inbox is cluttered each day with countless retail advertisements, promotions, and mass promoted consumerism.  Really?  How many sales can one store have in a week, and do people really buy that much stuff???

I hate getting all the pointless advertising, but I really like the extra $60 to $80 a month I get from participating in the program, so I stick with it.

Frugalicious

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Re: Mustachian People Problems (just for fun)
« Reply #3759 on: March 07, 2017, 08:36:53 AM »
I'm part of a junk mail group that gives you points (which turn into Visa gift cards) in return for sending them junk emails and junk mail.  I'm signed up for all the stores/companies they want info from, which means my inbox is cluttered each day with countless retail advertisements, promotions, and mass promoted consumerism.  Really?  How many sales can one store have in a week, and do people really buy that much stuff???

I hate getting all the pointless advertising, but I really like the extra $60 to $80 a month I get from participating in the program, so I stick with it.
Can I get a referral for this please?

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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3760 on: March 07, 2017, 08:59:53 AM »
I'm part of a junk mail group that gives you points (which turn into Visa gift cards) in return for sending them junk emails and junk mail.  I'm signed up for all the stores/companies they want info from, which means my inbox is cluttered each day with countless retail advertisements, promotions, and mass promoted consumerism.  Really?  How many sales can one store have in a week, and do people really buy that much stuff???

I hate getting all the pointless advertising, but I really like the extra $60 to $80 a month I get from participating in the program, so I stick with it.
Can I get a referral for this please?

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engineermom21

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Re: Mustachian People Problems (just for fun)
« Reply #3761 on: March 07, 2017, 09:39:03 AM »
Can I get a referral for this please?

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« Last Edit: March 07, 2017, 09:40:53 AM by engineermom21 »

alewpanda

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Re: Mustachian People Problems (just for fun)
« Reply #3762 on: March 07, 2017, 10:53:45 AM »
We travel a lot, with large dogs, and our focus was really not cutting it when it came to actually enjoying the travel....

We *upgraded* (facepunch) to a Toyota Rav4, and I love it.  Seriously, so, so handy in this rural place. 

The MPP?  My "large" vehicle still can't be easily found in a rural parking lot filled with diesels and monster luxery SUVs.....always.  searching.  in circles.  I don't look intelligent while in a parking lot.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #3763 on: March 07, 2017, 11:58:59 AM »
The MPP?  My "large" vehicle still can't be easily found in a rural parking lot filled with diesels and monster luxery SUVs.....always.  searching.  in circles.  I don't look intelligent while in a parking lot.

No one looks great fumbling around.   
Not really a MPP, but similar problem to alewpanda.  Trying to find a rent-a-car (lots of similar cars), in a parking lot, in scrubs (looks like PJ's for non-medical, non-nuke persons), in the dark, at 0F (-18C), in the faraway outer (contractor) parking lot.  Horn buttons on the remote helps alot.

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #3764 on: March 07, 2017, 02:20:40 PM »

Some people feel that the have the right to use up those 12 sick days. The only thing you need to do is call your boss and tell that you are sick or that your child is sick. Of course, the rules weren't designed abusing this. I personally don't.

I worked for a company that gave employees unlimited sick time. The board of directors decided that was a liability to the company, and that there were a few people abusing it, so they changed the policy to give each employee 10 days a year of sick time.

The next year we found out that the average number of days of sick time went from something like 2.4 days per employee to 8 days per employee.  Although a FEW people were abusing unlimited sick time, most people weren't. By putting a number on it, it became part of the compensation package, and people (myself included, quite honestly) felt they were entitled to those days. The honest employees were no longer worried about the appearance of abusing the system, since they knew their limit; but the threshold for what it took to call in sick lowered.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3765 on: March 07, 2017, 03:07:22 PM »

Some people feel that the have the right to use up those 12 sick days. The only thing you need to do is call your boss and tell that you are sick or that your child is sick. Of course, the rules weren't designed abusing this. I personally don't.

I worked for a company that gave employees unlimited sick time. The board of directors decided that was a liability to the company, and that there were a few people abusing it, so they changed the policy to give each employee 10 days a year of sick time.

The next year we found out that the average number of days of sick time went from something like 2.4 days per employee to 8 days per employee.  Although a FEW people were abusing unlimited sick time, most people weren't. By putting a number on it, it became part of the compensation package, and people (myself included, quite honestly) felt they were entitled to those days. The honest employees were no longer worried about the appearance of abusing the system, since they knew their limit; but the threshold for what it took to call in sick lowered.

Another good thing about trusting your employees (apart from an increase in motivation) is that less people take full days off. At my job, the number of sick days are in reality unlimited (there are regulations, but those only get used if an employee starts abusing the system). But usually, people will choose to work shorter days or from home if they are feeling a bit off. This also leads to fewer bugs being spread around the office, and fewer colds developing into real diseases.
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Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #3766 on: March 07, 2017, 03:27:48 PM »
Another good thing about trusting your employees (apart from an increase in motivation) is that less people take full days off. At my job, the number of sick days are in reality unlimited (there are regulations, but those only get used if an employee starts abusing the system). But usually, people will choose to work shorter days or from home if they are feeling a bit off. This also leads to fewer bugs being spread around the office, and fewer colds developing into real diseases.

We have a similar system (they count "occurrences", which could be more than one day at a time) and if you have more than three occurrences withing a rolling calendar year (starting from your first) then your manager is supposed to bring you in for a little chat.

Because I work from home most of the time, there has only been one day in the past four years where I was too sick to even get out of bed. The funny thing was that the week I took the sick day was the week they changed the recordkeeping system, and my sick day was never recorded :) 

Cannot Wait!

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Re: Mustachian People Problems (just for fun)
« Reply #3767 on: March 07, 2017, 04:13:29 PM »
Towards the end of my toxic work life, I would call in sick because I felt too good to go into work. That place made me sick.
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Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3768 on: March 07, 2017, 11:19:15 PM »
Received info on my bonus today.  It's bigger than expected.  I don't want to spend it, but with this market, I don't want to invest it either...

Yep. In the same boat here.

Invest it.  If you really can't, reconsider your AA or investment plan.  Remember, keeping it in cash means decreasing your stock/bond holdings by an equivalent amount, which is market timing.

Yeah, I know.  I'll retire some debt (bought a new used car last year with a low interest loan because we've been pounding all extra cash into investments), plug some extra into the kids' 529 plans, bump up the emergency fund, and then put the rest into taxable investments because all our tax advantaged investments are maxed out.  Pretty high class problems to have...

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #3769 on: March 08, 2017, 10:13:01 AM »
Towards the end of my toxic work life, I would call in sick because I felt too good to go into work. That place made me sick.

I battle with this decision every morning walking my dog when its nice outside. Every sick day cost me 8 hrs payed back a the end of the year though since i'm maxed out. I can afford it but....
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

Lentils4Lunch

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Re: Mustachian People Problems (just for fun)
« Reply #3770 on: March 10, 2017, 08:57:54 AM »
Towards the end of my toxic work life, I would call in sick because I felt too good to go into work. That place made me sick.

yes!

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3771 on: March 10, 2017, 10:29:46 AM »
My problem today is that I don't know when I'll have time to do my job because I need to take so much time off:

-The law mandates that everyone can use 10 days a year for sick kids
-We have 10 extra days because the oldest kid is deaf
-Today we got 10 more days approved because the youngest has a brachial plexus injury
-If your kid is at hospital or critically ill, you have to use the sick days (mentioned above) for the first week, after that you can get "caring money". We have had two weeks at hospital so far this year
-If I get sick, I can claim fully paid sick leave for up to 52 weeks. (8 days undocumented, after that I need to see a doctor). I normally use 3-5 days a year.
-My work week is capped at 38.75 hours in the winter time, 35 hours in the summer time. Travel time counts as working time. We don't get paid OT, but extra hours have to be taken out as PTO. I have worked too much the last 14 months, and have 70 hours I need to use.
-The law mandates 5 weeks vacation, but since I worked too much last year, I had to transfer two of those weeks to 2017.
-Parents of deaf children get 40 weeks (spread over 18 years) paid time off for sign language lessons. This training takes place while the kid is at a boarding school for the deaf. This year we have planned 2-3 weeks at deaf school.
-In addition to this, there are 9 days of national holidays (Christmas, Easter, etc) this year, and our Christmas bonus is an extra day off during the Christmas week.

To sum up: I need to find time for 7 weeks of vacation time and 2 weeks PTO this year, but it has to be when there are no national holidays, and the kids or I aren't sick, in hospital, or at deaf school, because then the state pays me not to work. And I'm not sure which forms to use in a couple of weeks, when the youngest will be in hospital at the same time as the oldest is at the school for deaf.
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Kiwi Fuzz

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Re: Mustachian People Problems (just for fun)
« Reply #3772 on: March 10, 2017, 12:30:04 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #3773 on: March 10, 2017, 12:43:42 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

That reminds me of something similar that happened to me with Personal Capital. My credit card number was stolen, and over $500 was charged at Williams-Sonoma, but I can't get it off my Personal Capital account, and it screws up my monthly average! Ai first world problem for sure, but yes -- annoying!

merula

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Re: Mustachian People Problems (just for fun)
« Reply #3774 on: March 10, 2017, 01:13:52 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I stopped using Mint when they starting having massive, recurring issues pulling in my accounts, but I seem to recall being able to "reprogram" the default name and category. For example, I often visited a gas station on a Marshall Street. Mint kept putting that as "Marshalls - Clothing", but I was able to get it to default to "Gas Station Name - Transportation" instead. So maybe that'd work if you reprogrammed it from "Cash Machine - ATM Fee" to "ATM Fee - Refunded" or something?

Kiwi Fuzz

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Re: Mustachian People Problems (just for fun)
« Reply #3775 on: March 10, 2017, 01:18:06 PM »
Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

merula: Good idea, thanks! I'll give it a try. I've just been manually adjusting it by checking the 'reimbursable' check box on each transaction individually but it would be nice if it automatically recognized it.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3776 on: March 10, 2017, 02:36:43 PM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I have this problem with the Chase credit card credits for travel purchases. I'll use it for a taxi or commuter train and Mint sees the expense but not the credit.

Do you see the credit at the end of the month in Mint? In that case you could just categorize it as "income" in the same category and it would cancel out the fee.
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LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #3777 on: March 10, 2017, 06:20:29 PM »
Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

Very strange.  I don't have any problems with my Vanguard accounts syncing with Mint.

mikefixac

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Re: Mustachian People Problems (just for fun)
« Reply #3778 on: March 10, 2017, 07:08:34 PM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

I'm sure to get flamed, but let me say this: Each of you three, copy/paste this and in 10-20 years, hopefully sooner, reread.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal.

Metric Mouse

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Re: Mustachian People Problems (just for fun)
« Reply #3779 on: March 11, 2017, 04:19:31 AM »
As the stock market continues its upward march, we reached a significant new net worth milestone, but all I can think about is the inevitable crash with the current captain at the helm of our ship of state.

I'm sure to get flamed, but let me say this: Each of you three, copy/paste this and in 10-20 years, hopefully sooner, reread.

That is how I feel exactly.  I see my small portfolio go up every month by $1,500-2,000 and it makes me more worried than happy.  I can't fully understand this feeling either.  We live in strange times, for sure.

I feel a bit let down too every time I see it keep moving up.  Whether or not it's a fair value, up is not good for anybody not close to FI.  I think I'll feel a little better once interest rates get back somewhere in the realm of normal.

It's very nice for those of us who are already FI though, thank you very much. :D
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Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #3780 on: March 11, 2017, 01:07:42 PM »
My problem today is that I don't know when I'll have time to do my job because I need to take so much time off:

-The law mandates that everyone can use 10 days a year for sick kids
-We have 10 extra days because the oldest kid is deaf
-Today we got 10 more days approved because the youngest has a brachial plexus injury
-If your kid is at hospital or critically ill, you have to use the sick days (mentioned above) for the first week, after that you can get "caring money". We have had two weeks at hospital so far this year
-If I get sick, I can claim fully paid sick leave for up to 52 weeks. (8 days undocumented, after that I need to see a doctor). I normally use 3-5 days a year.
-My work week is capped at 38.75 hours in the winter time, 35 hours in the summer time. Travel time counts as working time. We don't get paid OT, but extra hours have to be taken out as PTO. I have worked too much the last 14 months, and have 70 hours I need to use.
-The law mandates 5 weeks vacation, but since I worked too much last year, I had to transfer two of those weeks to 2017.
-Parents of deaf children get 40 weeks (spread over 18 years) paid time off for sign language lessons. This training takes place while the kid is at a boarding school for the deaf. This year we have planned 2-3 weeks at deaf school.
-In addition to this, there are 9 days of national holidays (Christmas, Easter, etc) this year, and our Christmas bonus is an extra day off during the Christmas week.

To sum up: I need to find time for 7 weeks of vacation time and 2 weeks PTO this year, but it has to be when there are no national holidays, and the kids or I aren't sick, in hospital, or at deaf school, because then the state pays me not to work. And I'm not sure which forms to use in a couple of weeks, when the youngest will be in hospital at the same time as the oldest is at the school for deaf.

This all seems to be a bit over the top.  What country are you in?  What happens if you like your work and actually want to get it done?  Can you forgo the PTO?

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #3781 on: March 11, 2017, 01:38:19 PM »
My problem today is that I don't know when I'll have time to do my job because I need to take so much time off:

-The law mandates that everyone can use 10 days a year for sick kids
-We have 10 extra days because the oldest kid is deaf
-Today we got 10 more days approved because the youngest has a brachial plexus injury
-If your kid is at hospital or critically ill, you have to use the sick days (mentioned above) for the first week, after that you can get "caring money". We have had two weeks at hospital so far this year
-If I get sick, I can claim fully paid sick leave for up to 52 weeks. (8 days undocumented, after that I need to see a doctor). I normally use 3-5 days a year.
-My work week is capped at 38.75 hours in the winter time, 35 hours in the summer time. Travel time counts as working time. We don't get paid OT, but extra hours have to be taken out as PTO. I have worked too much the last 14 months, and have 70 hours I need to use.
-The law mandates 5 weeks vacation, but since I worked too much last year, I had to transfer two of those weeks to 2017.
-Parents of deaf children get 40 weeks (spread over 18 years) paid time off for sign language lessons. This training takes place while the kid is at a boarding school for the deaf. This year we have planned 2-3 weeks at deaf school.
-In addition to this, there are 9 days of national holidays (Christmas, Easter, etc) this year, and our Christmas bonus is an extra day off during the Christmas week.

To sum up: I need to find time for 7 weeks of vacation time and 2 weeks PTO this year, but it has to be when there are no national holidays, and the kids or I aren't sick, in hospital, or at deaf school, because then the state pays me not to work. And I'm not sure which forms to use in a couple of weeks, when the youngest will be in hospital at the same time as the oldest is at the school for deaf.

This all seems to be a bit over the top.  What country are you in?  What happens if you like your work and actually want to get it done?  Can you forgo the PTO?

I can give up the PTO, and keep transferring vacation weeks from one year to the next. But honestly, even though I do love my work, I refuse to work for free. Normally, I can get everything done inbetween. It is just the backlog of PTO and vacation from last year, plus a sicker than normal kid, that makes it more challenging right now.

This is Norway. But it is very similar for all the Nordic countries. The welfare system is fantastic, and probably the only reason I'm able to work full time with two disabled children. My boss knew what she signed up for when she hired me, and has no problem with these issues. In fact, I'm probably one of her more reliable employees, since I can tell her 3-6 months in advance when I'll be home with a sick child. For the state, it is a break even right now, with my taxes making up for the paid sick leave and sign language lessons. But providing this security net now ensures that I will continue to pay taxes for many years to come, and that I raise children that are healthy enough and educated enough to join the work force.
Travelling southern Norway, Iceland and the Faroes in an electric car: http://travelelectric.blogspot.no/

lemanfan

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Re: Mustachian People Problems (just for fun)
« Reply #3782 on: March 11, 2017, 01:50:49 PM »

This is Norway. But it is very similar for all the Nordic countries.

I'm Swedish, and I can say that it is similar here.

One downside I've seen is that some employers get more picky and may avoid to hire people where they suspect high levels of medical leave.  The general tax level on payrolls, and the fact that it's quite hard to fire people makes smaller companies really hesitant to hire in general, and even more so when they suspect medical issues.  Having your first and only employee getting ill may cause your company into financial trouble.

Kiwi Fuzz

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Re: Mustachian People Problems (just for fun)
« Reply #3783 on: March 13, 2017, 11:03:56 AM »
My MMP: Mint keeps telling me that I'm being charged $3 to use an ATM, which I do once per month to get out gas money, but my credit union actually refunds this fee at the end of the month. I can't figure out how to tell Mint to ignore this...I think I'm more annoyed by this than is actually reasonable.

I have this problem with the Chase credit card credits for travel purchases. I'll use it for a taxi or commuter train and Mint sees the expense but not the credit.

Do you see the credit at the end of the month in Mint? In that case you could just categorize it as "income" in the same category and it would cancel out the fee.

Uh-huh, it evens out. I just find the notification that pops up at the top of the page when I log in frustrating. It's not a problem in terms of actual tracking - more me being whiny. I should just ignore it.

Greensheep: Yeah, Vanguard doesn't like it when Mint refreshes so it sends me a security code to my phone and blocks Mint...I have removed the account from Mint for now since it's empty (got ahead of myself opening that one) but I'm not sure what I'll do once I start using that account.

Very strange.  I don't have any problems with my Vanguard accounts syncing with Mint.

I'm just lucky, I guess! :D

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #3784 on: March 13, 2017, 11:16:16 AM »
In the latest Frugalwoods blog, the reader in the case study discusses going to graduate school to get a master's degree. She referred to it as an MPP, and my brain read it as "Mustachian People Problem" before I resorted to Google to figure out what she meant. (Masters in Public Policy) So my Mustachian People Problem is that MPP always means Mustachian People Problem to me.

Cookie78

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Re: Mustachian People Problems (just for fun)
« Reply #3785 on: March 13, 2017, 11:35:39 AM »
My MPP today is that I am SO impatient to get my tax return back, not for the money, but so that I can confirm my RRSP contribution limit before I start contributing for 2017!

((Income - investment income) * 0.18) - pension adjustment ???

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #3786 on: March 14, 2017, 09:19:22 AM »
In the latest Frugalwoods blog, the reader in the case study discusses going to graduate school to get a master's degree. She referred to it as an MPP, and my brain read it as "Mustachian People Problem" before I resorted to Google to figure out what she meant. (Masters in Public Policy) So my Mustachian People Problem is that MPP always means Mustachian People Problem to me.

My sister is graduating this spring with a Masters in Public Policy. I have been assured that she can get a decently paying job. What that job is has been repeatedly explained to me and I still don't understand, but that's ok.

wauske

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Re: Mustachian People Problems (just for fun)
« Reply #3787 on: March 15, 2017, 03:38:55 AM »

This is Norway. But it is very similar for all the Nordic countries.

I'm Swedish, and I can say that it is similar here.

One downside I've seen is that some employers get more picky and may avoid to hire people where they suspect high levels of medical leave.  The general tax level on payrolls, and the fact that it's quite hard to fire people makes smaller companies really hesitant to hire in general, and even more so when they suspect medical issues.  Having your first and only employee getting ill may cause your company into financial trouble.
Netherlands here, not as official with some but in practice quite the same.

Our youngest has Downsyndrome and is also hard of hearing for which we have a lot of types of care, both at home and in Hospital. On average i miss half a day every other week to meet those appointments.
Our oldest also has special needs because his language development is far behind. I'm very open about both kids at work and though there are some organisational issues (planning projects) the colleagues are very supportive of our situation.
Everything I say is my personal opinion which is based on my subjective experience.

Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #3788 on: March 15, 2017, 11:23:55 AM »
I really wish I'd been born in a Scandinavian country. Your governments really seem to support their citizens. You know, the purpose of government. (My country is a little confused about that.)

iowajes

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Re: Mustachian People Problems (just for fun)
« Reply #3789 on: March 15, 2017, 11:33:25 AM »
I'm wanting to take extended maternity leave.

My husband totally used my standard argument against me.
"Well, if you take the $10,000+ not earned in the extra weeks, and consider a 7% return, the actual cost of the leave is ..."


He was of course joking, and told me to do what I want; but he kind of has a point.  (If the baby comes more than 2 days early, I won't have the option, because of weird ways benefits work and how much PTO I have, so we just figured we'll let her decide.)

Tasty Pinecones

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Re: Mustachian People Problems (just for fun)
« Reply #3790 on: March 15, 2017, 01:12:22 PM »
But providing this security net now ensures that I will continue to pay taxes for many years to come, and that I raise children that are healthy enough and educated enough to join the work force.

IF only we could get your statement understood and acknowledged by the conservatives in the USA... Good long term decisions with good long term outcomes. That's living!

It seems the conservatives I know are all about the wedge issues and little more - who uses which bathroom, assault rifles, waging war in foreign lands, etc. 
« Last Edit: March 15, 2017, 01:16:05 PM by Tasty Pinecones »

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3791 on: March 15, 2017, 01:26:02 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.
...it's not at all alarming that people have started quoting me in their siggy lines.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #3792 on: March 15, 2017, 01:45:40 PM »
Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

Long term that means you'll be able to invest slightly sooner since you'red getting paychecks more often.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3793 on: March 15, 2017, 02:08:40 PM »
Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

Long term that means you'll be able to invest slightly sooner since you'red getting paychecks more often.

Hmm. I don't really feel like doing the math involved to see how long it would take me to 1. catch up and 2. overcome the drag of the first however-many-months I was behind schedule. We missed the first "third paycheck" of the year so it's not that straightforward. Plus we just got acquired on Feb 1 and every paycheck we've gotten has been different so far while they figure things out. (This has been hard to watch since I used to run payroll for us, and was very good at it...)
...it's not at all alarming that people have started quoting me in their siggy lines.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #3794 on: March 15, 2017, 02:10:11 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

I sense you're going to have some overheard at work stories soon

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #3795 on: March 15, 2017, 02:28:00 PM »
They're switching us from semi-monthly (current) payroll to bi-weekly (in arrears) payroll, with the result that in the end you're paid the same, but in April we're all going to be paid about 30% short (due to the "arrears" part) and each month where we don't have a third paycheck we'll get ~7% less money than we do now (which will all end up in that "extra" third paycheck 2x a year).

Co-workers: "What are we going to do in April!?!"  (They haven't figured out that their regular paychecks will be 7% lower so that hasn't come up yet.)

Me, having a MPP: Man, this sucks, that means some of my investments are going to go into the market later (since the next 3-paycheck month isn't until September) and statistically speaking, this means my returns will be lower.

I sense you're going to have some overheard at work stories soon

I'm sure I will! I really do feel bad for 2 of them - one of them has been down to almost no cash because he was renting a room and paying a mortgage simultaneously for a few months while waiting for the sale to go through. Plus the "trying to sell" expenses like painting, etc. He was trying to do the frugal thing by selling his $600k Manhattan condo (which he couldn't afford) and moving into a roommate-rental situation in a much cheaper neighborhood. Probably cutting his housing cost by 2/3. He'll be in great shape long-term but short-term he is in a squeeze.

The other one is in sales and the new company is converting him from monthly commissions to quarterly, so his paychecks have already been short for a couple months.
...it's not at all alarming that people have started quoting me in their siggy lines.

Step37

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Re: Mustachian People Problems (just for fun)
« Reply #3796 on: March 15, 2017, 11:05:47 PM »
My MPP today is that I am SO impatient to get my tax return back, not for the money, but so that I can confirm my RRSP contribution limit before I start contributing for 2017!

((Income - investment income) * 0.18) - pension adjustment ???

Haha! Yes! I was so excited to figure out how much more to top my RRSP (carry over from less mustachian years;), that I forgot to enter my husband's income (so the software gave me a credit for a dependant) and instead of breaking even, I ended up having to pay $1200 once I filed our actual taxes a month later. It's okay, though, he got a refund so we came out "ahead".

When I got my Notice of Assessment a few days ago, the first thing I did was make a single RRSP contribution to bring it to the maximum after what I plan to contribute monthly. My MPP is that my income will be about the same this year and I won't have the unused room, so I will definitely have a bigger tax bill.


"Not wanting something is as good as possessing it." ~Donald Horban

MoMan

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Re: Mustachian People Problems (just for fun)
« Reply #3797 on: March 16, 2017, 02:46:14 PM »
My "problem" if you want to call it that is conjuring up a fake smile and pretending I'm excited about the annual bonus. And to put this into context, my bonus these days amounts to approximately an additional paycheck, so it's nothing that changes my life ... or even my weekend.

Truth is, I'm no longer motivated by money, and I guess it shows. The first year my boss told me about the upcoming bump in my next paycheck, he remarked, "Are you not happy with your bonus? You look a little upset."

It ain't the bonus: It's being stuck here in a corporate office.

31 months to FIRE.
"He is richest who is contented, for content is the wealth of nature."

greengardens

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Re: Mustachian People Problems (just for fun)
« Reply #3798 on: March 16, 2017, 05:12:04 PM »
My MPP: getting weird looks being told I should be one of those "tiny house" people when my co-workers found out we do not have cable.
« Last Edit: March 16, 2017, 05:17:54 PM by greengardens »

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #3799 on: March 17, 2017, 02:36:49 AM »
My MPP: getting weird looks being told I should be one of those "tiny house" people when my co-workers found out we do not have cable.
Did you say you are just building it on your weekends and if they want to join to hands-on-stuff-fun?