Author Topic: Mustachian People Problems (just for fun)  (Read 1823634 times)

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4750 on: February 11, 2018, 01:36:03 PM »
Yeah it's been more than that =( And I went and confirmed- by the date on the website, it should have fixed weeks ago. I get paid weekly, so 1-2 paychecks is fast for me, and *is* what the 401k says to expect. Plus I never set it low, so there's no reason it should have moved to the 1% or whatever it's at right now. I went from 80%, to 100% (which made it 1%), back to 80% (where it has stayed 1%). NFC why, I have a support ticket open so hopefully I'll hear more Monday?

That is super annoying :-( The HR dept at the company I've been at for the past year is pretty hopeless, too - everything takes forever to set up or change, random things get screwed up for no real reason, they talk down to me even though I've never been wrong when I came to them with a problem. I have learned to just keep a really close eye on everything and contact them immediately when I spot something, and assume it will not get fixed immediately. It took them 3 weeks to update my 401(k) deduction, IIRC. Also had problems with my PTO accrual, tax withholding, pre-tax transit benefits... I think the only thing that was never fucked up was insurance. I hope for their sake that they are just really overworked and not as incompetent as they seem, but the bookkeeping department is the same way so I have a feeling someone over there is just really bad at hiring people. (I had a nightmare with the bookkeeping dept this week when I discovered they forgot to send me copies of $50k worth of deposits... I was trying to go through them invoice by invoice and the woman who had processed all those deposits was making every mistake you could make - skipping lines, transposing numbers, swapping the names of similar-sounding clients, copying and pasting things into the wrong place, etc. etc. How does this person have this job!? Ugh.)

OK, that rant went off on a tangent, but it's MPP so I'm keeping it. ;-)

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #4751 on: February 11, 2018, 01:59:41 PM »
Yeah it's been more than that =( And I went and confirmed- by the date on the website, it should have fixed weeks ago. I get paid weekly, so 1-2 paychecks is fast for me, and *is* what the 401k says to expect. Plus I never set it low, so there's no reason it should have moved to the 1% or whatever it's at right now. I went from 80%, to 100% (which made it 1%), back to 80% (where it has stayed 1%). NFC why, I have a support ticket open so hopefully I'll hear more Monday?

That is super annoying :-( The HR dept at the company I've been at for the past year is pretty hopeless, too - everything takes forever to set up or change, random things get screwed up for no real reason, they talk down to me even though I've never been wrong when I came to them with a problem. I have learned to just keep a really close eye on everything and contact them immediately when I spot something, and assume it will not get fixed immediately. It took them 3 weeks to update my 401(k) deduction, IIRC. Also had problems with my PTO accrual, tax withholding, pre-tax transit benefits... I think the only thing that was never fucked up was insurance. I hope for their sake that they are just really overworked and not as incompetent as they seem, but the bookkeeping department is the same way so I have a feeling someone over there is just really bad at hiring people. (I had a nightmare with the bookkeeping dept this week when I discovered they forgot to send me copies of $50k worth of deposits... I was trying to go through them invoice by invoice and the woman who had processed all those deposits was making every mistake you could make - skipping lines, transposing numbers, swapping the names of similar-sounding clients, copying and pasting things into the wrong place, etc. etc. How does this person have this job!? Ugh.)

OK, that rant went off on a tangent, but it's MPP so I'm keeping it. ;-)

Yeah part of my problem is I don't even know who HR *is*. Between a large company and a merger? Oh and our local office assistant quit. I have no flipping idea who to write to, haha.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #4752 on: February 11, 2018, 02:09:29 PM »
My MPP is the bank we have our mortgage with. We went with them for the low rate, but boy oh boy do they suck if you are paying the loan down faster.  First, they have no option to pay anything online other than your regular monthly payment.  Want to pay extra on the principal?  They tell you to do it by mail, using the hardcopy coupon.  Except that the first two times I did that, they screwed it up and put the extra payment toward future months' payments. It was a nightmare getting that fixed over the phone.  I decided after that that I would have to physically go to the bank each month if I had any extra payment to make. I started doing that, but the fun was only beginning. Turns out that apparently none of the tellers at this place had ever done (or could understand!?) an extra payment to principal.  They looked at me like I had two heads. Finally, after many months, I succeeded in training one of the tellers in what I wanted to do, but then she left. Back to square one. Now, after two months I have identified a teller who can do it, but only if I first make the regular payment, then pull the checkbook back out and say "And I'd like to make an extra payment to PRINCIPAL ONLY."  Somehow the separate check helps her get it.  The whole situation is weird and baffling.  I've done this before with other banks and there were no problems.
« Last Edit: February 11, 2018, 02:11:12 PM by Trifele »

Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4753 on: February 11, 2018, 03:08:51 PM »
@Trifele that sounds horribly frustrating. A level of frustration that would probably make my head explode. Clearly, the bank does not welcome extra payments.

ETA my own MPP that I was unable to think of when I wrote the first part. I bought some bulk spices (at the special bulk food store) yesterday, and clearly got complacent that everything was a better price, because I didn’t pay much attention as my items rang through. I though $30 seemed a bit much, but figured the few Valentine’s treats I’d picked up for my husband had been heavier than I thought. Not the case. When I got home, I realized that the culprit had been granulated garlic!! Holy crap, $41.45/kg, so the little bag I bought was nearly $10.00. The dumbest thing is, I almost exclusively use fresh garlic, and really don’t even need it. Certainly won’t make that mistake again.
« Last Edit: February 11, 2018, 03:36:14 PM by Step37 »

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #4754 on: February 11, 2018, 06:06:20 PM »
I'm annoyed with DH's new company.  He just started a new job Jan 2, gets paid once a month at the end of the month.  He signed up for the 401-K immediately, but nothing came out of the first check.  I double and triple checked the 401-K website, he is set to contribute.  So I'm a bit annoyed, and since it's a brand new job he has no idea who to contact about the issue.  Maybe there is a specific time delay, like my job where you can't contribute for the first year?  We have no idea, but if there isn't anything withheld in the Feb paycheck then I'll have him track down an answer!

radram

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Re: Mustachian People Problems (just for fun)
« Reply #4755 on: February 12, 2018, 07:20:53 AM »
My mpp for today- DW and I are cooking and I am looking at the scraps from the veggies and meat trimming that I have to compost or toss as we are downsizing for travel and I can't save them to make stock.


Damn you auto correct- mpp became mom...

I do not understand. Are you saying you will be unplugging your freezer while traveling? These scraps would freeze well, as would the stock you make out of them. Either could stay frozen for years and still make great soup.

marielle

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Re: Mustachian People Problems (just for fun)
« Reply #4756 on: February 12, 2018, 07:31:30 AM »
I am anxiously wanting to book flights for an upcoming trip, but I have to wait for my signup bonus points to post on my credit card. I should have plenty of time...but still. I can't complain to (most) people about not being able to book flights yet that are nearly free...

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #4757 on: February 12, 2018, 09:51:31 AM »
I am anxiously wanting to book flights for an upcoming trip, but I have to wait for my signup bonus points to post on my credit card. I should have plenty of time...but still. I can't complain to (most) people about not being able to book flights yet that are nearly free...
I had some fun with that game last year.  GF had a work trip planned to Australia in August.  Before buying the tickets (January or February), she said "Hey, didn't you say there was a thing people did where they were able to get a bunch of free bonus miles by signing up for credit cards and stuff?"

Welp, by the time we figured that all out, it was too late to use points for that trip, so she just paid cash.  Naturally though, I applied the anything-worth-doing-is-worth-overdoing ethos and we wound up with about half a million points/miles of various flavors that we've slowly been burning off (about halfway through the stash so far, just over six grand of value redeemed so far).

Slow&Steady

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Re: Mustachian People Problems (just for fun)
« Reply #4758 on: February 12, 2018, 12:32:16 PM »
I started a new job late Jan and they have a 30 day delay before I can contribute to a 401k.  On top of that I will probably only get 2-3 paychecks in before I go out on unpaid maternity leave so I won't get to put very much money into the 401k until June/July AND DH and I decided that we should hold off on putting any 2018 contributions into his IRA until we make sure that baby (and momma) get home safe and healthy from delivery,  plus it will be easier to manage once I have an income again.  Shitty timing for stocks to go on sale for me, maybe they will still be low in June/July when I get to start putting money in again. 

MPP - I really want to be putting money into the stock market right now but it is a more sane decision to hold off for several months.

The good news is that we did put some money into his IRA on Friday for a 2017 contribution that we were sitting on due to maternity leave/baby but decided that we should be fine without it.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4759 on: February 12, 2018, 02:38:01 PM »
Noticed today my favourite jumper has a small hole under my underarm. It's not fixable, it's a knitted jumper and the whole area is very worn out, it's just a matter of time before it's a really big hole.

This is one of my favourite pieces of clothing to wear to work during winter because it's both warm and stylish. I hadn't planned on replacing this one for a few more years because it's still fairly new in my head and it was quite expensive when I bought it. Then I tried to estimate how old it was. I think I bought it in 2011. "Fairly new" to me. Ancient to 99% of the people.

Now I have 3 MPP's:
- I don't have a warm work sweater anymore. If this cold snap continues, I'll need to buy a new one quickly, so I won't have time to look for the best deal.

- I now have 4 "too bad to wear to work, too good to throw away"  knitted jumpers in my closet to wear at home. And I'm at work 5 days a week.

- 75% of my closet now consists of "home" clothes instead of "work" clothes. I only have a small closet. I need to buy work clothes, but I don't really have the space. I have to get rid home clothes that still have a few years of wear left in them, which is a waste.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #4760 on: February 12, 2018, 03:08:55 PM »
Noticed today my favourite jumper has a small hole under my underarm. It's not fixable, it's a knitted jumper and the whole area is very worn out, it's just a matter of time before it's a really big hole.

This is one of my favourite pieces of clothing to wear to work during winter because it's both warm and stylish. I hadn't planned on replacing this one for a few more years because it's still fairly new in my head and it was quite expensive when I bought it. Then I tried to estimate how old it was. I think I bought it in 2011. "Fairly new" to me. Ancient to 99% of the people.

Now I have 3 MPP's:
- I don't have a warm work sweater anymore. If this cold snap continues, I'll need to buy a new one quickly, so I won't have time to look for the best deal.

- I now have 4 "too bad to wear to work, too good to throw away"  knitted jumpers in my closet to wear at home. And I'm at work 5 days a week.

- 75% of my closet now consists of "home" clothes instead of "work" clothes. I only have a small closet. I need to buy work clothes, but I don't really have the space. I have to get rid home clothes that still have a few years of wear left in them, which is a waste.

You might try a quick darn to slightly prolong the life of the sweater (sorry, American). It won't look great, but under your arm is probably pretty unobtrusive.

That only really works for your first MPP though.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4761 on: February 13, 2018, 12:23:11 AM »
Noticed today my favourite jumper has a small hole under my underarm. It's not fixable, it's a knitted jumper and the whole area is very worn out, it's just a matter of time before it's a really big hole.

This is one of my favourite pieces of clothing to wear to work during winter because it's both warm and stylish. I hadn't planned on replacing this one for a few more years because it's still fairly new in my head and it was quite expensive when I bought it. Then I tried to estimate how old it was. I think I bought it in 2011. "Fairly new" to me. Ancient to 99% of the people.

Now I have 3 MPP's:
- I don't have a warm work sweater anymore. If this cold snap continues, I'll need to buy a new one quickly, so I won't have time to look for the best deal.

- I now have 4 "too bad to wear to work, too good to throw away"  knitted jumpers in my closet to wear at home. And I'm at work 5 days a week.

- 75% of my closet now consists of "home" clothes instead of "work" clothes. I only have a small closet. I need to buy work clothes, but I don't really have the space. I have to get rid home clothes that still have a few years of wear left in them, which is a waste.

You might try a quick darn to slightly prolong the life of the sweater (sorry, American). It won't look great, but under your arm is probably pretty unobtrusive.

That only really works for your first MPP though.

Or just do like my FIL and sew a pad on the worn-out elbows. Like they used to do with children's trousers when I was a child.

Mika M

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Re: Mustachian People Problems (just for fun)
« Reply #4762 on: February 13, 2018, 08:26:35 AM »
Disneyworld. We always get 'So when are you planning to take your kid to Disneyworld?'

Blah. I always say if I'm gonna spend that much money on a vacation it'd be a guided adventure tour out in the Southwest or something. DH agrees. Pretty sure kiddo would also find that a better use of time, energy, and money. The most painful experience we can endure for kiddo's glee is letting her enjoy the free play area at the American Doll store of the high end mall in our area. (She never asks to buy anything but does enjoy playing with their stuff for a while.) It is fun to watch families walk out with bags full of overpriced junk, though.

I always roll my eyes at that conventional idea that Disneyworld is some requisite box you gotta check as a parent. Maybe if we happen to be visiting SoCal and she's big enough to enjoy the roller coasters and she really really wants to go I'd pay for a day pass into Disneyland. But the price tags I hear for some of these Disneyworld trips get insane!

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #4763 on: February 13, 2018, 09:06:46 AM »
There are lots of other amusement parks across the land to choose from...

FireHiker

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Re: Mustachian People Problems (just for fun)
« Reply #4764 on: February 13, 2018, 10:19:25 AM »
My MPP for the day: We maxed out our 401Ks and upped our HSA last year, finally, with catch up contributions for my husband. As a result, our taxable income actually went down even after raise time, and we have a refund from both state and federal. We e-filed last week, and one of the refunds came yesterday. We're still paying down 401k loans from when we bought our house (should have mine gone this year!), so as soon as it came yesterday I initiated an extra payment. I wake up this morning and our other refund has been direct deposited too. But, I can't submit another extra payment until the pending one clears. I would have just waited and paid more down on it today, but I didn't expect them both to come so quickly!

Mika M, if you ever DO decide to do Disneyworld (we haven't yet) there's a travel hacking guide to do it mostly for free/very cheap. If we ever do it, we'll do it using those tips. But, for now, we get So Cal passes to Disneyland every few years and get our fill locally. We like Disney well enough (grew up in So Cal so there's a nostalgia factor there) but the idea of Disneyworld is super overwhelming to me.

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #4765 on: February 14, 2018, 03:13:15 PM »
Vanguard brokerage tax forms came out a few days early, so I was able to file my tax returns.  Last year was my first full year of not working.  I discovered, now I'm one of those "rich people" who "don't pay their fair share."

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #4766 on: February 14, 2018, 03:19:19 PM »
What is the difference between Disneyworld and Disneyland? I know they are two different parks but beyond that I don't know.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4767 on: February 14, 2018, 03:27:04 PM »
What is the difference between Disneyworld and Disneyland? I know they are two different parks but beyond that I don't know.
Disney World is Disney's complex of resorts and theme parks near Orlando, FL.  There are 4 main theme parks, a water park, and a whole bunch of resorts (hotels).  Disneyland is a single theme park in Anaheim, CA, and is located across the street from a second Disney theme park, California Adventures.  Disneyland (in CA) is very similar to the Magic Kingdom (part of Disney World in FL).

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #4768 on: February 15, 2018, 04:20:51 AM »
What is the difference between Disneyworld and Disneyland? I know they are two different parks but beyond that I don't know.
Disney World is Disney's complex of resorts and theme parks near Orlando, FL.  There are 4 main theme parks, a water park, and a whole bunch of resorts (hotels).  Disneyland is a single theme park in Anaheim, CA, and is located across the street from a second Disney theme park, California Adventures.  Disneyland (in CA) is very similar to the Magic Kingdom (part of Disney World in FL).

There’s also Disneyland in Tokyo, Hong Kong, Paris, and the newest one in Shanghai (may be a few more that I’m missing). They’re smaller than Disney World.

My Disney-relates MPP is that our daughter thinks that Disneyland is free because when we say we’re “going to Disney” we actually go to the free park outside of the theme park, then go to the Disney shopping area and visit the LEGO store where she can play for free. And often as we leave, we are asked to fill out a quick survey and DD gets a sticker or small notebook or bookmark as a thank you gift. She’s in for a rude awakening when she realizes there’s an actual theme park with rides and so much more than she could imagine.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #4769 on: February 15, 2018, 07:00:23 AM »
Minor quibble: Disney World has two water parks, and Disneyland has a neighboring park called Disneyland California Adventure.

I have a similar MPP, on a smaller scale. Last summer, we took the kids to a port city ~3 hours' drive away. One of the things we saw was a retired naval ship that has been turned into a museum. We went into it, found out that admission cost $10/person and decided it wasn't nearly worth it. But we were kinda hungry and the gift shop had a freezer with packaged ice cream, so we bought some and left.

My kids will talk about the "ship that sells ice cream" about once a week and desperately want to go back. They are convinced that this whole ship only exists to sell ice cream. My in-laws are talking about taking them to the same city, so we need to be really clear with them that they should go to the ship but not to tour it, just to buy ice cream.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #4770 on: February 15, 2018, 07:25:43 AM »
It is going to be an unusually warm day today.  Low to mid 70s, perfect for open windows.  But I just noticed that my new rented house has no window screens.  I have no way to keep the cat in if I enjoy fresh air and free temperature control.  :(

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #4771 on: February 15, 2018, 08:44:57 AM »
It is going to be an unusually warm day today.  Low to mid 70s, perfect for open windows.  But I just noticed that my new rented house has no window screens.  I have no way to keep the cat in if I enjoy fresh air and free temperature control.  :(
I built a wooden frame that fits into the window frame and stapled a cat net on it

jordanread

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Re: Mustachian People Problems (just for fun)
« Reply #4772 on: February 15, 2018, 09:01:55 AM »
It is going to be an unusually warm day today.  Low to mid 70s, perfect for open windows.  But I just noticed that my new rented house has no window screens.  I have no way to keep the cat in if I enjoy fresh air and free temperature control.  :(
I built a wooden frame that fits into the window frame and stapled a cat net on it

I missed 'net' on the first read through. I was super stoked that there was a solution I hadn't thought of. I reread it though.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #4773 on: February 23, 2018, 07:50:47 AM »
 I  paid a credit bill online of $404.55, MPP is, and got a $2.45 interest charge.
 I didn't see why I had the interest charge and called the card issuer.
She said, these charges are automated, I'll remove the interest charge.
At this point I still don't know why there was an interest charge, so had to ask her
why the computer charged the interest.
I misread $404.65 as $404.55. I was $0.10 short on my payment, so got a $2.45 interest charge.
 Also, nowhere on the bill is the $0.10 unpaid balance shown on the bill.
 The rep said just subtract the $2.54 from the bill and pay that. I did.
 Now writing this, I'm wondering if I'm going to be short $0.10 on the next bill :-?
 I requested they print the bills in a larger font.
    That brings something else up, I can't read the labels on the shampoo and
conditioner in the shower. One evening my wife came out of the shower to
have me read a label to her. I was at the computer with my reading glasses on.
 That was it, I sent an email to the company telling them to increase the size of
SHAMPOO and CONDITIONER on their products, so people with less than perfect
eyesite can read them.
  They sent back a letter and a coupons worth $18!
The letter was in a small font, that I COULD NOT READ.
 I have 20-20, contact lenses corrected vision, so it's not like
my vision is very poor.
 Still waiting for a change in their label.


Brother Esau

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Re: Mustachian People Problems (just for fun)
« Reply #4774 on: February 23, 2018, 07:58:03 AM »
I  paid a credit bill online of $404.55, MPP is, and got a $2.45 interest charge.
 I didn't see why I had the interest charge and called the card issuer.
She said, these charges are automated, I'll remove the interest charge.
At this point I still don't know why there was an interest charge, so had to ask her
why the computer charged the interest.
I misread $404.65 as $404.55. I was $0.10 short on my payment, so got a $2.45 interest charge.
 Also, nowhere on the bill is the $0.10 unpaid balance shown on the bill.
 The rep said just subtract the $2.54 from the bill and pay that. I did.
 Now writing this, I'm wondering if I'm going to be short $0.10 on the next bill :-?
 I requested they print the bills in a larger font.
    That brings something else up, I can't read the labels on the shampoo and
conditioner in the shower. One evening my wife came out of the shower to
have me read a label to her. I was at the computer with my reading glasses on.
 That was it, I sent an email to the company telling them to increase the size of
SHAMPOO and CONDITIONER on their products, so people with less than perfect
eyesite can read them.
  They sent back a letter and a coupons worth $18!
The letter was in a small font, that I COULD NOT READ.
 I have 20-20, contact lenses corrected vision, so it's not like
my vision is very poor.
 Still waiting for a change in their label.

That's awesome! I'm going to contact the manufacturers of my soap, toothpaste, dish soap, etc and see how much $ in coupons I can amass.

Greenback Reproduction Specialist

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Re: Mustachian People Problems (just for fun)
« Reply #4775 on: February 23, 2018, 08:32:37 AM »
At 32 having anxiety over retiring in 2 yrs or 3 years.... What a terrible and yet wonderful problem to have.

I really want to do it in 2... But I should probably wait one more year as planned and wait for the FIRE date we set.... Ugh the wait is killing me!

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #4776 on: February 23, 2018, 08:44:58 AM »
My Disney-relates MPP is that our daughter thinks that Disneyland is free because when we say we’re “going to Disney” we actually go to the free park outside of the theme park, then go to the Disney shopping area and visit the LEGO store where she can play for free. And often as we leave, we are asked to fill out a quick survey and DD gets a sticker or small notebook or bookmark as a thank you gift. She’s in for a rude awakening when she realizes there’s an actual theme park with rides and so much more than she could imagine.

#MeToo.
That's what we do, take the kids to Disney Springs (aka Downtown Disney). Ride the small train, go to Ghirardelli for ice cream and coffee, maybe some Blaze Pizza, Lego store, walk around the Disney store and my girls want everything, but then end up too confused and leave. Take photos with characters (still and human), enjoy the weather, listen to the live music, esp. school groups. Great wholesome time.
I know they'll yell at me one day, but as long as I can kick the can down the road, that's the option I'm taking...

Real DisneyWorld, the kids will go the first and only time on my wallet. After that, I'm never going. I hate spending money to stand in a line, then being dangled an offer to pay more for a shorter line. WTF, it's still a line.

Even with Florida resident discounts, theme parks are too expensive and leave me brain-dead at the end of the day. I love being physically tired, but the mind-numbing, timed, choreographed, fake shows are the last straw. I'd rather be in a dump tank raising money for a non-religion charity or school.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #4777 on: February 23, 2018, 09:34:25 AM »
I hate spending money to stand in a line, then being dangled an offer to pay more for a shorter line. WTF, it's still a line.

FWIW, the "pay more for a shorter line" is a thing at Universal, not at Disney. Disney allows everyone to use its "fastpass" system, while Universal has ticket add-ons that lets you do the shorter line either once per ride for an extra $80 or unlimited times per ride for $100.

The only way to "pay more to skip the line" at Disney is to book one of their VIP tours, but it looks like Universal has a similar thing.
« Last Edit: February 23, 2018, 09:36:52 AM by merula »

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #4778 on: February 23, 2018, 10:40:33 AM »
I hate spending money to stand in a line, then being dangled an offer to pay more for a shorter line. WTF, it's still a line.

FWIW, the "pay more for a shorter line" is a thing at Universal, not at Disney. Disney allows everyone to use its "fastpass" system, while Universal has ticket add-ons that lets you do the shorter line either once per ride for an extra $80 or unlimited times per ride for $100.

The only way to "pay more to skip the line" at Disney is to book one of their VIP tours, but it looks like Universal has a similar thing.
Same shit, different shade of lipstick.
I get my theme parks mixed up, they all in the same area down the road.
From what I remember the last time I went to Disney with visiting family, in 2011, was a limit to how many fastpass one can hold. So I had to take chances and do mental gymnastics and man math. And a fastpass had to be used or expired to get another one. Maybe rules have changed.
Meanwhile I encourage tourists to go to Orlando... MOCA (Make Orlando Crowded Always). Spend, tourists, spend. We love you long time.

Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #4779 on: February 23, 2018, 12:07:55 PM »
I remember when it felt like paying money to stand in line. I just went last August with my husband and kids, but before that, maybe early 2000s, was the last time I had been. I remember we  went on something like three rides in nine hours. It was pretty ridiculous, but the tickets were a hell of a lot cheaper the, especially for Southern California residents which we were at that time. But it is so much better now. I was amazed when we went this past August. We barely stood in line at all! The FastPass system and the Magic Morning hour really changed things. We also had a daily plan, something I'd never tried before. It was so much fun. I didn't feel like we were paying to stand in line, I felt like we had paid for super fun days and awesome experiences. It was excellent.

I don't think I'm going to change your mind or anything, jinga nation. But your "paying to stand in line" comment stuck out to me. I know it was like that, but it's really not anymore. Now I can't wait to go back! This is all Disneyland that I'm talking about. I've never been to DisneyWorld. If anyone is thinking about a Disney trip, I highly recommend getting this book. There is lots of useful information in it, but the best is the itineraries. Having those was a total game changer in terms of getting full enjoyment out of the parks. We didn't even have the most recent edition (lent to us by a friend) and it still made a huge difference. They have a version for DisneyWorld as well, if you're on that side of the country.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4780 on: February 23, 2018, 03:50:28 PM »
I've got one!  My wardrobe of business casual clothes consists almost exclusively of shirts I've received from work or other events.  So when it came time to go to a job interview this week, my wife rolled her eyes and told me to take the one polo that's semi-appropriate for such events.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #4781 on: February 23, 2018, 03:56:28 PM »
I've got one!  My wardrobe of business casual clothes consists almost exclusively of shirts I've received from work or other events.  So when it came time to go to a job interview this week, my wife rolled her eyes and told me to take the one polo that's semi-appropriate for such events.

A mate of mine had to go to a function for a luxury brand this week.

He neglected to read the invitation closely and showed up in jeans and a blazer to find everyone else dressed in all white.

But even that wasn't as bad as the guy who wore a white polo embroidered with the logo of the brand's main rival.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4782 on: February 24, 2018, 06:58:08 PM »
This is temporary, but very annoying. I live State A and work in State B. Due to respective tax laws, possibly my misunderstanding, how employers did tax withholdings, etc, I am getting a huge tax refund from State B and have to pay most of that to State A. Both state returns have been sent in. State A was e-filed, State B was dumb and couldn't figure it out so I had to mail it in.

The problem: I'm being stubborn and refusing to send the check to State A until I've gotten the refund from State B. But I'm also stubborn and wrote said check to State A (the envelope is in the desk, just waiting). So when I do my weekly banking and calculate current balance of my checking account, I have a massive outstanding check messing things up.

And I need to dig into the tax rules between the two states and fix my withholdings for 2018 so I don't have to do this next year, cause they're still messed up. I hate tax research.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #4783 on: February 25, 2018, 05:43:34 AM »
My 401k custodian sent out a notice on behalf of my employer notifying me that my employer will no longer be subsidizing the record keeping, accounting, and maintenance fees for the plan.  They will soon start deducting $19 per quarter from each employee’s account to pay these costs.

This notice pissed me off last Friday, big time.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4784 on: February 25, 2018, 08:43:31 AM »
My MPP is the bank we have our mortgage with. We went with them for the low rate, but boy oh boy do they suck if you are paying the loan down faster.  First, they have no option to pay anything online other than your regular monthly payment.  Want to pay extra on the principal?  They tell you to do it by mail, using the hardcopy coupon.  Except that the first two times I did that, they screwed it up and put the extra payment toward future months' payments. It was a nightmare getting that fixed over the phone.  I decided after that that I would have to physically go to the bank each month if I had any extra payment to make. I started doing that, but the fun was only beginning. Turns out that apparently none of the tellers at this place had ever done (or could understand!?) an extra payment to principal.  They looked at me like I had two heads. Finally, after many months, I succeeded in training one of the tellers in what I wanted to do, but then she left. Back to square one. Now, after two months I have identified a teller who can do it, but only if I first make the regular payment, then pull the checkbook back out and say "And I'd like to make an extra payment to PRINCIPAL ONLY."  Somehow the separate check helps her get it.  The whole situation is weird and baffling.  I've done this before with other banks and there were no problems.
Here's an easier solution. Instead of prepaying the mortgage to the bank, prepay it to yourself. Invest it a la jlcollinsnh's Stock Series. Watch the money grow. Eventually, you will have enough to kill the whole mortgage in one payment. At that point, you may choose not to and keep the money in the market, but that will be a different MPP.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #4785 on: February 25, 2018, 08:47:31 AM »
My MPP is the bank we have our mortgage with. We went with them for the low rate, but boy oh boy do they suck if you are paying the loan down faster.  First, they have no option to pay anything online other than your regular monthly payment.  Want to pay extra on the principal?  They tell you to do it by mail, using the hardcopy coupon.  Except that the first two times I did that, they screwed it up and put the extra payment toward future months' payments. It was a nightmare getting that fixed over the phone.  I decided after that that I would have to physically go to the bank each month if I had any extra payment to make. I started doing that, but the fun was only beginning. Turns out that apparently none of the tellers at this place had ever done (or could understand!?) an extra payment to principal.  They looked at me like I had two heads. Finally, after many months, I succeeded in training one of the tellers in what I wanted to do, but then she left. Back to square one. Now, after two months I have identified a teller who can do it, but only if I first make the regular payment, then pull the checkbook back out and say "And I'd like to make an extra payment to PRINCIPAL ONLY."  Somehow the separate check helps her get it.  The whole situation is weird and baffling.  I've done this before with other banks and there were no problems.
Here's an easier solution. Instead of prepaying the mortgage to the bank, prepay it to yourself. Invest it a la jlcollinsnh's Stock Series. Watch the money grow. Eventually, you will have enough to kill the whole mortgage in one payment. At that point, you may choose not to and keep the money in the market, but that will be a different MPP.

Thanks, Dicey.  Yeah, I understand the math completely and agree this is nearly always the best route.  Different situation for us -- We're FIREing very soon, and this is a conscious strategy.  Balance is very low anyway -- one more payment and it's gone.

PKate

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Re: Mustachian People Problems (just for fun)
« Reply #4786 on: February 25, 2018, 10:29:24 AM »
I have Amazon Prime and we use it heavily for shipping.   I hate that they use the USPS to deliver packages because they don't always arrive when Amazon says they will.  What is worse is the USPS will lie and say and give some lame excuse or lie that they tried to deliver it and no was home of course someone was home and the package didn't need to be signed for. 

So I have started contacting Amazon to complain.  It turns out that I am getting an extra month free of Prime membership each time I complain.  If my local USPS can't get their act together I won't have to pay for Prime till Amazon stops using them or changes their policy. 
I am up to 2 additional month of Prime for 2 complaints in less than a month.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4787 on: February 25, 2018, 10:46:23 AM »
I have Amazon Prime and we use it heavily for shipping.   I hate that they use the USPS to deliver packages because they don't always arrive when Amazon says they will.  What is worse is the USPS will lie and say and give some lame excuse or lie that they tried to deliver it and no was home of course someone was home and the package didn't need to be signed for. 

So I have started contacting Amazon to complain.  It turns out that I am getting an extra month free of Prime membership each time I complain.  If my local USPS can't get their act together I won't have to pay for Prime till Amazon stops using them or changes their policy. 
I am up to 2 additional month of Prime for 2 complaints in less than a month.

Interesting MPP. Figure out how to bequeath Amazon Prime month.

If it makes you feel better: It is not only USPS that does those things. In one case the service just dropped the packet at someone in Number X when he didn't find the name, instead of delivering it to number Xa in the next house. The old woman (who thought is was her medicine) brought it to me an hour later.
It was officially delivered to a neighbor. Even if I had asked them all, I wouldn't have gotten my paket.

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #4788 on: February 25, 2018, 02:37:26 PM »
I have Amazon Prime and we use it heavily for shipping.   I hate that they use the USPS to deliver packages because they don't always arrive when Amazon says they will.  What is worse is the USPS will lie and say and give some lame excuse or lie that they tried to deliver it and no was home of course someone was home and the package didn't need to be signed for. 

So I have started contacting Amazon to complain.  It turns out that I am getting an extra month free of Prime membership each time I complain.  If my local USPS can't get their act together I won't have to pay for Prime till Amazon stops using them or changes their policy. 
I am up to 2 additional month of Prime for 2 complaints in less than a month.

Interesting MPP. Figure out how to bequeath Amazon Prime month.

If it makes you feel better: It is not only USPS that does those things. . . .

I've had that happen to me twice with Amazon Locker delivery.  In both those cases, when I placed my order, I could get free overnight shipping to the Locker less than a mile away from home, or I could get the regular free two-day shipping to my home.  I picked the Locker because I really wanted to receive each item ASAP, plus it would make for a pleasant walk to pick up the items.  In one case, there was a weather delay in another part of the country, and in another case, there was a mechanical failure on the Amazon delivery truck, so the packages were a day late.  Both times, I complained, and just like PKate said, they very readily offered to extend Amazon Prime by a month for free.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4789 on: February 25, 2018, 09:19:28 PM »
I have Amazon Prime and we use it heavily for shipping.   I hate that they use the USPS to deliver packages because they don't always arrive when Amazon says they will.  What is worse is the USPS will lie and say and give some lame excuse or lie that they tried to deliver it and no was home of course someone was home and the package didn't need to be signed for. 

So I have started contacting Amazon to complain.  It turns out that I am getting an extra month free of Prime membership each time I complain.  If my local USPS can't get their act together I won't have to pay for Prime till Amazon stops using them or changes their policy. 
I am up to 2 additional month of Prime for 2 complaints in less than a month.

I WISH I got my packages late, as I don't usually need it right away and would like indefinitely free prime.  Unfortunately, my packages are always delivered promptly.  Wahhh

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #4790 on: February 26, 2018, 12:22:51 AM »
My MPP is that, for Chinese New Year, I received a number of red pockets via WeChat Pay. So now I have several hundred dollars sitting in my WeChat account. The problem is that I can’t transfer it out to my bank account without incurring a fee, and I can’t spend it fast enough.

A related MPP is that you can order food online via WeChat and have them deliver the food to your home, and you can use WeChat Pay for this. Problem is that I can’t find anything I want to buy since most things I can make myself for cheaper.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4791 on: February 26, 2018, 01:45:51 AM »
A small social problem.

I invited 2 friends for 3 days at our mountain cabin to go skiing. Of course we wanted to seem generous and said they could behave like it was their own place. But they did put a LOT of firewood in the oven, even when it was very warm, so that I needed to take of my sweater to not get cooked. They liked my cheese better than the one they brought, so they took extra slices just to snack it because it is good, not to cover their slice of bread. They don't reuse a freshly used tea bag like I would have done. They burn a lot of candles early in the morning instead of turning on the light bulbs.
These are just small extra costs, but this way I notice just how frugal I usually am in the small things. It costs me some mental effort to not tell them to stop doing these things.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #4792 on: February 26, 2018, 02:09:22 AM »
A small social problem.

I invited 2 friends for 3 days at our mountain cabin to go skiing. Of course we wanted to seem generous and said they could behave like it was their own place. But they did put a LOT of firewood in the oven, even when it was very warm, so that I needed to take of my sweater to not get cooked. They liked my cheese better than the one they brought, so they took extra slices just to snack it because it is good, not to cover their slice of bread. They don't reuse a freshly used tea bag like I would have done. They burn a lot of candles early in the morning instead of turning on the light bulbs.
These are just small extra costs, but this way I notice just how frugal I usually am in the small things. It costs me some mental effort to not tell them to stop doing these things.

I get that this is taxing for you, but remember the spirit of generosity that motivated you to invite them in the first place.

You introduced your friends to something new and wonderful. You brought happiness to their life. In the form of cheese. I think that's ok.

And if your cheese is more affordable than theirs, then maybe you have taught them something. :)

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4793 on: February 26, 2018, 03:27:54 AM »
A small social problem.

I invited 2 friends for 3 days at our mountain cabin to go skiing. Of course we wanted to seem generous and said they could behave like it was their own place. But they did put a LOT of firewood in the oven, even when it was very warm, so that I needed to take of my sweater to not get cooked. They liked my cheese better than the one they brought, so they took extra slices just to snack it because it is good, not to cover their slice of bread. They don't reuse a freshly used tea bag like I would have done. They burn a lot of candles early in the morning instead of turning on the light bulbs.
These are just small extra costs, but this way I notice just how frugal I usually am in the small things. It costs me some mental effort to not tell them to stop doing these things.

I get that this is taxing for you, but remember the spirit of generosity that motivated you to invite them in the first place.

You introduced your friends to something new and wonderful. You brought happiness to their life. In the form of cheese. I think that's ok.

And if your cheese is more affordable than theirs, then maybe you have taught them something. :)

I brought them most happiness because of the nice weather, nice location, ski trips with good snow with amazing views, lots of wild animals. They were very pleased with the long weekend.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #4794 on: February 26, 2018, 03:39:13 AM »
I couldn’t use the first line on the clothes line because it was completely coated with ice that was so thick I couldn’t break it off. 

Spruit

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Re: Mustachian People Problems (just for fun)
« Reply #4795 on: February 26, 2018, 09:26:10 AM »
I seem to have worn right through my outer bike tires. Now a beige underlayer is showing, that can't be good.
Not sure if MPP or just plain cheap/lazy in maintaining my bike properly...

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #4796 on: February 26, 2018, 10:40:14 AM »
No, that means you are doing something great. Hopefully that wear is from mi/kms and not skidding to a stop. Grab another quality tire and ride some more!

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Re: Mustachian People Problems (just for fun)
« Reply #4797 on: February 26, 2018, 10:51:59 AM »
No, that means you are doing something great. Hopefully that wear is from mi/kms and not skidding to a stop. Grab another quality tire and ride some more!

+1. I highly suggest Specialized Armadillos.

Mika M

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Re: Mustachian People Problems (just for fun)
« Reply #4798 on: February 26, 2018, 01:59:14 PM »
Mika M, if you ever DO decide to do Disneyworld (we haven't yet) there's a travel hacking guide to do it mostly for free/very cheap. If we ever do it, we'll do it using those tips. But, for now, we get So Cal passes to Disneyland every few years and get our fill locally. We like Disney well enough (grew up in So Cal so there's a nostalgia factor there) but the idea of Disneyworld is super overwhelming to me.

Me too! We enjoy watching some Disney movies with kiddo and of course she digs all the princesses. But besides the money DH and I are not keen on spending the time or energy on a trip like that LOL.

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #4799 on: February 26, 2018, 04:51:02 PM »
I keep wearing worn out / holey undergarments and socks "just one more time" before throwing them out. My work has a locker room that we must change in at the start of duty, and I'm looking pretty rough. My family expressed pity at my holey socks.

2nd prob - I get irritated at said items wearing out, then realize they're probably 7 years old. I then get bummed out that that is probably the best value i'll ever get out of any item as they're made cheaper and cheaper every year.