Author Topic: Mustachian People Problems (just for fun)  (Read 1693035 times)

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #4850 on: March 06, 2018, 09:48:40 AM »
With 3/4 of us packing lunches daily in reusable containers, we're running out of dishwasher space. If DH joins in the party on any given day, we're sunk and have to (gasp!) resort to handwashing dishes.

Also: because I batch cook and use that as meal prep for the week, our fridge is PACKED on Monday. Like, Tokyo subway during rush hour packed.

YES. This is my husband and I. The weeks where he travels 3 or 4 days instead of just 2, we actually have been running out of our glass tupperwares!

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4851 on: March 06, 2018, 10:11:56 AM »
I paid for two (expensive) plane tickets with a credit card last month. The other person paid me back after a few days, and I put that money into the savings account, ending up with a very good savings rate for the month. I also got all the airline miles. Now I've received the credit card bill, and have enough income to cash flow the bill. But that means I will put less into the savings account this month than I normally do.

It just feels wrong.

BDWW

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Re: Mustachian People Problems (just for fun)
« Reply #4852 on: March 06, 2018, 03:00:17 PM »
My credit score dropped 36(817-781) points this month because I put a large purchase on one of my cards.
The balance will of course be paid off next month, and I really don't have much use for a credit score at this time. But it feels a little funny watching it dive like that due to card utilization.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4853 on: March 06, 2018, 03:43:05 PM »
My credit score dropped 36(817-781) points this month because I put a large purchase on one of my cards.
The balance will of course be paid off next month, and I really don't have much use for a credit score at this time. But it feels a little funny watching it dive like that due to card utilization.
What do you use to monitor your credit score?

HappierAtHome

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Re: Mustachian People Problems (just for fun)
« Reply #4854 on: March 06, 2018, 05:31:34 PM »
Because I'm not shopping on my phone or looking at consumer sites, the ads I get are bizarrely irrelevant to me. Right now I get a lot of slightly dodgy looking dating site ads :-P

BDWW

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Re: Mustachian People Problems (just for fun)
« Reply #4855 on: March 06, 2018, 08:50:14 PM »
My credit score dropped 36(817-781) points this month because I put a large purchase on one of my cards.
The balance will of course be paid off next month, and I really don't have much use for a credit score at this time. But it feels a little funny watching it dive like that due to card utilization.
What do you use to monitor your credit score?

Mint, but it's (Transunion score I believe) is included in most Intuit services.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4856 on: March 07, 2018, 01:26:53 AM »
I have a similar issue with the energy companies. Apparently my "standard usage" is way higher than what I actually use, resulting in me getting back multple hundreds of euros once a year. Every year I try to get them to lower the prepayment and every year they urge me to go for a higher one so that I'm "safe". Apparently it doesn't matter I have been "safe" for year after year.

Yep - mine is inching down every time they do a six month review but they're not keen to take it down more than a couple of quid each time. I've just switched companies, though, so may have to start all over again...

So they only check the meter once a year there?  We have smart meters, which despite conspiracy ramblings are pretty sweet since you can view hourly usage online. 

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4857 on: March 07, 2018, 01:54:08 AM »
I have a similar issue with the energy companies. Apparently my "standard usage" is way higher than what I actually use, resulting in me getting back multple hundreds of euros once a year. Every year I try to get them to lower the prepayment and every year they urge me to go for a higher one so that I'm "safe". Apparently it doesn't matter I have been "safe" for year after year.

Yep - mine is inching down every time they do a six month review but they're not keen to take it down more than a couple of quid each time. I've just switched companies, though, so may have to start all over again...

So they only check the meter once a year there?  We have smart meters, which despite conspiracy ramblings are pretty sweet since you can view hourly usage online.

They are replacing old meters for smart meters in here, but we don't have one yet. We submit a meter reading online every year and they only send someone over if they're suspicious.

There are other arguments against smart meters than just 'big brother is watching you' conspiracy theories though. If you have solar panels and supply back to the grid, an oldfashioned meter runs backwards. That means no one can trace how much energy you've used and how much you've supplied back. A smart meter registers this separately. Many people are concerned that in a few years, they will get paid a lot less for electricity supplied back to the grid, which is why they refuse to get a smart meter now. 

(just read back what I posted yesterday. Note to self: do not attempt to write anything in a foreign language when you're ready for bed :)  )

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4858 on: March 07, 2018, 02:24:53 AM »
Quote
'big brother is watching you' conspiracy theories

As someone born in Eastern Germany I feel unjustly judged here.

I mean you US guys find it okay that tens of thousands get injured and hundreds die every year because of your "2nd amendmend right" which very likely was not meant in the way the NRA says and even if is totally outdated.
So please let have my basic right of not getting spied on what I do, what I read, what I watch etc.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4859 on: March 07, 2018, 02:57:04 AM »
I have a similar issue with the energy companies. Apparently my "standard usage" is way higher than what I actually use, resulting in me getting back multple hundreds of euros once a year. Every year I try to get them to lower the prepayment and every year they urge me to go for a higher one so that I'm "safe". Apparently it doesn't matter I have been "safe" for year after year.

Yep - mine is inching down every time they do a six month review but they're not keen to take it down more than a couple of quid each time. I've just switched companies, though, so may have to start all over again...

So they only check the meter once a year there?  We have smart meters, which despite conspiracy ramblings are pretty sweet since you can view hourly usage online.

The UK is in the middle of an appallingly-managed, treacle-in-freezing-temperatures slow smartmeter rollout. I had been harrassing my energy company about getting one every time they asked for a meter reading. However, my new energy company says that they are waiting for second-generation smartmeters to arrive in the middle of this year and will then start installing them, and I bloody well intend to be at the front of the queue. Apparently the first generation meters are tied to the electricity company that installs them, and it's very difficult to get a smooth switch. The second generation should solve this problem.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4860 on: March 07, 2018, 03:41:50 AM »
Quote
'big brother is watching you' conspiracy theories

As someone born in Eastern Germany I feel unjustly judged here.

I mean you US guys find it okay that tens of thousands get injured and hundreds die every year because of your "2nd amendmend right" which very likely was not meant in the way the NRA says and even if is totally outdated.
So please let have my basic right of not getting spied on what I do, what I read, what I watch etc.

I'm sorry if I insulted you in any way, that was not my intention. I'm not sure what the second amendmend has to do with anything (and I'm not American) and I certainly didn't say everyone should be forced to have a smart meter - quite the opposite actually.

I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4861 on: March 07, 2018, 05:53:40 AM »
We have a smart meter at home and at our cabin. It is very convenient to not have to read the meter. The meters report by themselves every week or so at the moment, but they can also switch to several times a day.

Yes, the government/energy company can check my electricity use at any moment. I personally am more concerned about the fact that some instances can read off my data traffic.

alewpanda

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Re: Mustachian People Problems (just for fun)
« Reply #4862 on: March 07, 2018, 08:56:44 AM »
With 3/4 of us packing lunches daily in reusable containers, we're running out of dishwasher space. If DH joins in the party on any given day, we're sunk and have to (gasp!) resort to handwashing dishes.

Also: because I batch cook and use that as meal prep for the week, our fridge is PACKED on Monday. Like, Tokyo subway during rush hour packed.

I can relate!  Only its just the two of us, and with our small (and shrinking in a couple months) kitchen storage space, meal prepping is a careful balance of *when I have time* and *how many containers/jars do I have and can fit in the fridge at once*.  One of the things I'm looking forward to when DH starts working from home in May is not having to use as many containers for his meals -- he can just scoop what he wants each day from the pan....or make his own...lol.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4863 on: March 07, 2018, 01:16:46 PM »
I keep getting this marketing e-mail entitled something like "Coffee for the week is on me!" trying to get me to do some paid phone survey related to my job. I don't drink coffee, but even if I did, we're talking maybe $2 for a week's worth of coffee, and I'm not about to take a phone survey at work for $2. I roll my eyes and delete. But I keep getting it week after week, so I looked at it (just because I'm feeling bored) and it's $25, which they are apparently assuming people spend on coffee weekly.

I still won't touch it because it's UCE, but $25 would have gotten me to open it a lot sooner than thinking it was $2 :-P

By the River

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Re: Mustachian People Problems (just for fun)
« Reply #4864 on: March 07, 2018, 03:21:31 PM »
I keep getting this marketing e-mail entitled something like "Coffee for the week is on me!" trying to get me to do some paid phone survey related to my job. I don't drink coffee, but even if I did, we're talking maybe $2 for a week's worth of coffee, and I'm not about to take a phone survey at work for $2. I roll my eyes and delete. But I keep getting it week after week, so I looked at it (just because I'm feeling bored) and it's $25, which they are apparently assuming people spend on coffee weekly.

I still won't touch it because it's UCE, but $25 would have gotten me to open it a lot sooner than thinking it was $2 :-P

Thanks, you reminded me that I had taken a survey (on January 18) for a group that I am a member of and received a $5 starbucks reward.  I just found the email and printed the reward, but never go to Starbucks so will have to make a special trip one day.

rdaneel0

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Re: Mustachian People Problems (just for fun)
« Reply #4865 on: March 07, 2018, 07:16:36 PM »
I had a funny one today. I got invited to a clothing swap where a bunch of women were going to bring their old clothes they didn't want as well as their husband's and all swap. I told my friend I didn't have anything to bring because we wear all of our clothes, and her mind was blown. She has a massive closet full of stuff so I assume she just can't imagine only having a small selection of clothing.

Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4866 on: March 07, 2018, 07:53:42 PM »
I had a funny one today. I got invited to a clothing swap where a bunch of women were going to bring their old clothes they didn't want as well as their husband's and all swap. I told my friend I didn't have anything to bring because we wear all of our clothes, and her mind was blown. She has a massive closet full of stuff so I assume she just can't imagine only having a small selection of clothing.

This is what I aspire to (a reasonable amount of clothing thatís used regularly); maybe I could go to a clothing swap and just . . . Not swap! Iím trying to wear things out as I can, but there is just way too much. Have started year four of no shopping, which helps. Canít wrap my mind around dumping at Goodwill, but a one-way swap would be perfect! I like to know where things go and that they will be used and appreciated. Iím aware this a bit nutty.

barbaz

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Re: Mustachian People Problems (just for fun)
« Reply #4867 on: March 08, 2018, 12:44:24 AM »
I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.
Just to provide some context: in eastern Germany it was illegal to watch west German television. So if you watched “West tv” you had to keep the tv on for a while after the show ended to obfuscate your viewing habits. With a smart meter, you can actually deduct from changes in energy usage which channel someone was watching. Many countries have political tv channels or shows, thus by obtaining smart meter data you can learn things about someone’s political orientation that they might not want you to know. And it’s not just about the government. Smart meter data will be hacked and leaked eventually.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4868 on: March 08, 2018, 10:44:33 AM »
I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.
Just to provide some context: in eastern Germany it was illegal to watch west German television. So if you watched ďWest tvĒ you had to keep the tv on for a while after the show ended to obfuscate your viewing habits. With a smart meter, you can actually deduct from changes in energy usage which channel someone was watching. Many countries have political tv channels or shows, thus by obtaining smart meter data you can learn things about someoneís political orientation that they might not want you to know. And itís not just about the government. Smart meter data will be hacked and leaked eventually.

I did not deny that at all, on the contrary, I said, government surveillance is real. What I said is that I don't think smart meters give the authorities access to information they could not otherwise get. The power company can already reliably measure how much electricity you use, they do not need a smart meter for that (this is how they catch frauds, the meter readings you fill in are just a double check).
If they want to know your TV viewing history, they can simply request this data from your television provider. If they want to know your political ideology, they call your internet provider. Nearly every part of our lives is monitored and authorities legally have access to almost all this data.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4869 on: March 08, 2018, 02:23:00 PM »
I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.
Just to provide some context: in eastern Germany it was illegal to watch west German television. So if you watched ďWest tvĒ you had to keep the tv on for a while after the show ended to obfuscate your viewing habits. With a smart meter, you can actually deduct from changes in energy usage which channel someone was watching. Many countries have political tv channels or shows, thus by obtaining smart meter data you can learn things about someoneís political orientation that they might not want you to know. And itís not just about the government. Smart meter data will be hacked and leaked eventually.

I did not deny that at all, on the contrary, I said, government surveillance is real. What I said is that I don't think smart meters give the authorities access to information they could not otherwise get. The power company can already reliably measure how much electricity you use, they do not need a smart meter for that (this is how they catch frauds, the meter readings you fill in are just a double check).
If they want to know your TV viewing history, they can simply request this data from your television provider. If they want to know your political ideology, they call your internet provider. Nearly every part of our lives is monitored and authorities legally have access to almost all this data.

Sure, surveillance is real.  The conspiracy rantings I was referencing was more like "these wireless smartmeters are a government plot to give us cancer," which I've actually read someone complain about. 

But even on the surveillance front, the meters are a drop in the bucket.  Do you have a cell phone or any internet connected devices, any with microphones?  Then you are already subject to far more potential scrutiny than a smart meter.  These things are part of our daily lives so what we really have to do is make sure the constitution is followed by government agencies.  If I am a murder suspect, they can get a warrant and track my phones location history.  But I agree that mass automated surveillance is extremely problematic

But why do you have to fill out the meter readings annually?  Why not just report it monthly online?  Are the meters extremely inaccessible?  I walk by mine every day so NBD, but I prefer to have the electronic meter since it means one less creepy guy snooping around my azaleas

BDWW

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Re: Mustachian People Problems (just for fun)
« Reply #4870 on: March 08, 2018, 02:32:49 PM »
I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.
Just to provide some context: in eastern Germany it was illegal to watch west German television. So if you watched ďWest tvĒ you had to keep the tv on for a while after the show ended to obfuscate your viewing habits. With a smart meter, you can actually deduct from changes in energy usage which channel someone was watching. Many countries have political tv channels or shows, thus by obtaining smart meter data you can learn things about someoneís political orientation that they might not want you to know. And itís not just about the government. Smart meter data will be hacked and leaked eventually.

I did not deny that at all, on the contrary, I said, government surveillance is real. What I said is that I don't think smart meters give the authorities access to information they could not otherwise get. The power company can already reliably measure how much electricity you use, they do not need a smart meter for that (this is how they catch frauds, the meter readings you fill in are just a double check).
If they want to know your TV viewing history, they can simply request this data from your television provider. If they want to know your political ideology, they call your internet provider. Nearly every part of our lives is monitored and authorities legally have access to almost all this data.

Sure, surveillance is real.  The conspiracy rantings I was referencing was more like "these wireless smartmeters are a government plot to give us cancer," which I've actually read someone complain about. 

But even on the surveillance front, the meters are a drop in the bucket.  Do you have a cell phone or any internet connected devices, any with microphones?  Then you are already subject to far more potential scrutiny than a smart meter.  These things are part of our daily lives so what we really have to do is make sure the constitution is followed by government agencies.  If I am a murder suspect, they can get a warrant and track my phones location history.  But I agree that mass automated surveillance is extremely problematic

But why do you have to fill out the meter readings annually?  Why not just report it monthly online?  Are the meters extremely inaccessible?  I walk by mine every day so NBD, but I prefer to have the electronic meter since it means one less creepy guy snooping around my azaleas

Have you actually witnessed a person physically reading your meter? I'm just curious because for the past decade at least most meters have wireless communication. It's not an internet based thing, but a localized simple wireless system. The power company then just drives a van around the neighborhood, and reads the meters from the street. With the right equipment anyone can drive by and get a reading.

Of course a short-range snapshot reading is a bit different than real-time monitoring.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4871 on: March 08, 2018, 02:33:26 PM »
Reading my meters is a PITA. The electricity one is at the back of the cupboard under my stairs so I have to take everything out first and crawl inside to peer into the darkness. The gas one is outside the front door and has colossal spiders living in it. So big, I don't even know how they get in. I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4872 on: March 08, 2018, 02:59:08 PM »
I do think government surveillance is something that is real, even though most people are not aware of it, but I don't think installing smart meters will provide the authorities with information they could not otherwise get.
Just to provide some context: in eastern Germany it was illegal to watch west German television. So if you watched ďWest tvĒ you had to keep the tv on for a while after the show ended to obfuscate your viewing habits. With a smart meter, you can actually deduct from changes in energy usage which channel someone was watching. Many countries have political tv channels or shows, thus by obtaining smart meter data you can learn things about someoneís political orientation that they might not want you to know. And itís not just about the government. Smart meter data will be hacked and leaked eventually.

I did not deny that at all, on the contrary, I said, government surveillance is real. What I said is that I don't think smart meters give the authorities access to information they could not otherwise get. The power company can already reliably measure how much electricity you use, they do not need a smart meter for that (this is how they catch frauds, the meter readings you fill in are just a double check).
If they want to know your TV viewing history, they can simply request this data from your television provider. If they want to know your political ideology, they call your internet provider. Nearly every part of our lives is monitored and authorities legally have access to almost all this data.

Sure, surveillance is real.  The conspiracy rantings I was referencing was more like "these wireless smartmeters are a government plot to give us cancer," which I've actually read someone complain about. 

But even on the surveillance front, the meters are a drop in the bucket.  Do you have a cell phone or any internet connected devices, any with microphones?  Then you are already subject to far more potential scrutiny than a smart meter.  These things are part of our daily lives so what we really have to do is make sure the constitution is followed by government agencies.  If I am a murder suspect, they can get a warrant and track my phones location history.  But I agree that mass automated surveillance is extremely problematic

But why do you have to fill out the meter readings annually?  Why not just report it monthly online?  Are the meters extremely inaccessible?  I walk by mine every day so NBD, but I prefer to have the electronic meter since it means one less creepy guy snooping around my azaleas

Have you actually witnessed a person physically reading your meter? I'm just curious because for the past decade at least most meters have wireless communication. It's not an internet based thing, but a localized simple wireless system. The power company then just drives a van around the neighborhood, and reads the meters from the street. With the right equipment anyone can drive by and get a reading.

Of course a short-range snapshot reading is a bit different than real-time monitoring.

We never get physical meter readings in here (afak) you just report your meter readings once a year. I guess they only visit you when they're suspicious.

My meter is also buried deep in the cupboard under the stairs and I'm fairly sure it's not possible to read them from the street (my meter looks like it has been there for half a century or so ) but even with a modern meter, it would be illegal even if technically possible. Even if you have a smart meter connected to the internet, the power company can only read the meter once every two months. I think you can disconnect them from the internet if you're afraid they're going to read them more often.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #4873 on: March 08, 2018, 04:22:29 PM »
We have a smart electrical meter now (they'd need a gate code I don't intend to give out, plus 4WD and good boots, to get to ours anyway), but until we wired the new house in ~2014, we had a meter reader physically walk up to ours (on a house trailer down by the public road) once a month.


Our water is still read manually every month, but the meter is right by the street, in a buried enclosure. Means we're billed for the water for any leak over the slightly over a quarter mile between the house and the road, so I try to check in the enclosure to be sure the (mechanial) meter wheel isn't spinning every now and again when I'm leaving and know we don't have any water running on purpose.

Bicycle_B

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Re: Mustachian People Problems (just for fun)
« Reply #4874 on: March 08, 2018, 09:10:54 PM »
They make you read your own meter?

My MPP is that the lazy American system has never required me to do that, thus depriving me of a monthly challenge that would make stronger.  Alas, for many years a creepy dude did indeed stride up to the meter on the outside of my home and take a reading. 

Recently this stopped.  Apparently my meter has become smart, but I didn't notice.  Obviously the lack of challenge has reduced my attentiveness. my low-information diet is working!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4875 on: March 09, 2018, 03:12:19 AM »
They make you read your own meter?

My MPP is that the lazy American system has never required me to do that, thus depriving me of a monthly challenge that would make stronger.  Alas, for many years a creepy dude did indeed stride up to the meter on the outside of my home and take a reading. 

Recently this stopped.  Apparently my meter has become smart, but I didn't notice.  Obviously the lack of challenge has reduced my attentiveness. my low-information diet is working!
Wow hey replaced your meter without telling you?  That usually will interrupt your service

And yes I have witnessed electric and water meter readers walking around my home.  In one place the electric meter was in an outdoor closet.  Much better wireless and I can check my usage and such online.  Doing so actually helped me realize my gas meter was malfunctioning when I suddenly used 17 therms in one day (allegedly)

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #4876 on: March 09, 2018, 07:15:12 AM »
Wow hey replaced your meter without telling you?  That usually will interrupt your service

I work from home and they replaced our meter one day without warning. Didn't even knock on my door first. Disconnected my power briefly and hence cut off my internet connection and my VPN connection with it. Fortunately I use a laptop so I didn't lose any work, but it was still quite disruptive. They did the same thing with our water meter on a different day...

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #4877 on: March 09, 2018, 08:21:00 AM »
I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)
Does that mean you don't have to pay your annual TV license? Can someone in the UK get away with having a huge monitor to stream Netflix, etc?

Tories coming for you, your library records extrapolate to a vendetta.... you do live in a surveillance society, for reasons starting with the IRA.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4878 on: March 09, 2018, 11:03:04 AM »
I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)
Does that mean you don't have to pay your annual TV license? Can someone in the UK get away with having a huge monitor to stream Netflix, etc?

Tories coming for you, your library records extrapolate to a vendetta.... you do live in a surveillance society, for reasons starting with the IRA.

Yep, we don't pay our TV licence, which also means we can't watch the Beeb at all, even on iPlayer now. We're fine with that and absolutely stick to the rules. Occasionally there's the odd programme someone mentions that we might like to look at but we just don't. You could totally have a huge monitor or even projector if you wanted to (though I think not an actual TV set capable of playing live broadcast TV even if you didn't use it for that) but we just watch the odd film or TV box set on iTunes on our laptop. We're low maintenance like that :)

La Bibliotecaria Feroz

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Re: Mustachian People Problems (just for fun)
« Reply #4879 on: March 09, 2018, 02:37:54 PM »
Reading my meters is a PITA. The electricity one is at the back of the cupboard under my stairs so I have to take everything out first and crawl inside to peer into the darkness. The gas one is outside the front door and has colossal spiders living in it. So big, I don't even know how they get in. I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)

I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #4880 on: March 09, 2018, 03:58:24 PM »
I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

That is because, in the 1960s, the FBI used to go into libraries and check the checkout history on books to see who had checked them out.  Librarians thought that was wrong and, in response, changed their systems to hamper or remove the ability of the police to do that.

Primm

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Re: Mustachian People Problems (just for fun)
« Reply #4881 on: March 09, 2018, 04:46:04 PM »
Bear with me here, I have to explain a few things first for this to make sense.

I have to go into work today for an extra 4 hours. It's paid at overtime rates, so close enough to $80 an hour.

I don't get subsidized parking at work like a lot of people do as I normally catch the train (cheaper and less stressful). I'm eligible, I just choose not to drive. Peak hour trains are every 7-12 minutes, and run express. So it's normally a 20 minute train ride from home to my work.

Weekend trains run every hour (WTF?) and stop at every station. So to get to work on time this morning I would have to leave home nearly 2 hours before I start.

Parking for project overtime shifts is reimbursed. It normally costs Joe Public $35 a day (I know...) for public parking. If I drive, it's a 20 minute drive, but I have to pay $35 up front and then add it to my timesheet for next fortnight.

So I was going to catch the train (at 9:30am for an 11:30am start) to save myself $35, which will be paid back to me anyway, for a 4 hour shift for which I will be paid $320.

Yeah, I snapped out of it. I'm staying at home for another hour and having a cup of coffee.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4882 on: March 09, 2018, 04:50:06 PM »
I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)
Does that mean you don't have to pay your annual TV license? Can someone in the UK get away with having a huge monitor to stream Netflix, etc?

Tories coming for you, your library records extrapolate to a vendetta.... you do live in a surveillance society, for reasons starting with the IRA.

Yep, we don't pay our TV licence, which also means we can't watch the Beeb at all, even on iPlayer now. We're fine with that and absolutely stick to the rules. Occasionally there's the odd programme someone mentions that we might like to look at but we just don't. You could totally have a huge monitor or even projector if you wanted to (though I think not an actual TV set capable of playing live broadcast TV even if you didn't use it for that) but we just watch the odd film or TV box set on iTunes on our laptop. We're low maintenance like that :)

I sure hope you pay the Secondhand Retelling License Fee

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #4883 on: March 09, 2018, 07:01:31 PM »
I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

That is because, in the 1960s, the FBI used to go into libraries and check the checkout history on books to see who had checked them out.  Librarians thought that was wrong and, in response, changed their systems to hamper or remove the ability of the police to do that.

I can see my library borrowings, which means its recorded,which means it is accessible to mostly anyone. 

I've bought several books on the internet which should suffice to get me on an FBI list of some sort.

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #4884 on: March 09, 2018, 10:14:59 PM »
I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

That is because, in the 1960s, the FBI used to go into libraries and check the checkout history on books to see who had checked them out.  Librarians thought that was wrong and, in response, changed their systems to hamper or remove the ability of the police to do that.

I can see my library borrowings, which means its recorded,which means it is accessible to mostly anyone. 

Yeah, in my big American city, I can see my whole history of library borrowing when I log into my online account.  And, obviously, Amazon orders are catalogued, too.  My related MPP is that I only like to get my book club books from the library, so sometimes when there's a waitlist, I get very little time to read it before the meeting.  Worse is when the waitlist is too long, and I end up buying the kindle version and splitting it with a fellow club member.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #4885 on: March 10, 2018, 05:25:32 AM »
I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

That is because, in the 1960s, the FBI used to go into libraries and check the checkout history on books to see who had checked them out.  Librarians thought that was wrong and, in response, changed their systems to hamper or remove the ability of the police to do that.

I can see my library borrowings, which means its recorded,which means it is accessible to mostly anyone. 

Yeah, in my big American city, I can see my whole history of library borrowing when I log into my online account.  And, obviously, Amazon orders are catalogued, too.  My related MPP is that I only like to get my book club books from the library, so sometimes when there's a waitlist, I get very little time to read it before the meeting.  Worse is when the waitlist is too long, and I end up buying the kindle version and splitting it with a fellow club member.


Interesting. My library records are definitely dumped immediately upon returning an item. Which sometimes leads to me accidentally re-checking the same book, like I've done this week...

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4886 on: March 10, 2018, 06:21:34 AM »
Reading my meters is a PITA. The electricity one is at the back of the cupboard under my stairs so I have to take everything out first and crawl inside to peer into the darkness. The gas one is outside the front door and has colossal spiders living in it. So big, I don't even know how they get in. I am happy for the government to have yet another way to know what TV channels I am watching (or, er, would watch if we had a TV) to never have to deal with meter reading again.

The government could learn a lot about me from my library records (hm... very interested in radical left-wing politics, WW2 and gardening...) but that doesn't stop me taking out all sorts of suspicious books (Russian spies? Inter-war domestic history? Agatha Christie novels? Clearly a threat to national security!)

I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

I can see my own borrowing history, so I know it's there!

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #4887 on: March 10, 2018, 06:33:54 AM »
Yesterday was international womenís day, and a friend told me to go buy lots of stuff because there were lots of sales and discounts for women, and I didnít know how to respond. I also didnít know what to buy. She said I wasted international womenís day! 😭

Edited to add that international womenís day was actually two days ago (March 8). Thatís how out of the loop I am on the major shopping days in China.
« Last Edit: March 10, 2018, 06:35:43 AM by Freedomin5 »

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #4888 on: March 10, 2018, 06:40:55 AM »
I don't know about UK libraries, they operate very differently. But most(?) libraries in the US only have a record of what you have checked out at the moment. Before that? Nope, no idea. We make sure that the record deletes itself, unless a customer specifically requests otherwise. They can't subpoena what we don't have.

That is because, in the 1960s, the FBI used to go into libraries and check the checkout history on books to see who had checked them out.  Librarians thought that was wrong and, in response, changed their systems to hamper or remove the ability of the police to do that.

I can see my library borrowings, which means its recorded,which means it is accessible to mostly anyone. 

Yeah, in my big American city, I can see my whole history of library borrowing when I log into my online account.  And, obviously, Amazon orders are catalogued, too.  My related MPP is that I only like to get my book club books from the library, so sometimes when there's a waitlist, I get very little time to read it before the meeting.  Worse is when the waitlist is too long, and I end up buying the kindle version and splitting it with a fellow club member.


Interesting. My library records are definitely dumped immediately upon returning an item. Which sometimes leads to me accidentally re-checking the same book, like I've done this week...

When I signed up for a library card in my current county, there was a check-box on the form asking if I wanted them to keep a record of past check-outs for me.  Since I keep my own list of books I've read, I opted not to have them also keep a record for privacy's sake.

Sun Hat

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Re: Mustachian People Problems (just for fun)
« Reply #4889 on: March 10, 2018, 06:51:46 AM »
Yeah, I snapped out of it. I'm staying at home for another hour and having a cup of coffee.

It can be hard to break the habit of thrift! I'm always in favor of staying home and having coffee whenever it's an option though :)

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4890 on: March 10, 2018, 09:16:27 AM »
Yesterday was international womenís day, and a friend told me to go buy lots of stuff because there were lots of sales and discounts for women, and I didnít know how to respond. I also didnít know what to buy. She said I wasted international womenís day! 😭

Edited to add that international womenís day was actually two days ago (March 8). Thatís how out of the loop I am on the major shopping days in China.

Yeah, there were a couple of stores who tried to exploit the international women's day this year in Norway with special "happenings" and deals exclusively for women. They got such an ugly backlash in the media they had to try to lie their way out of it with "oh... we forgot it was the women's day... we just happened to put on this sale on March 8th... of course we respect women's fight for equality, and we would never suggest anyone going shopping on this day... It will never happen again; sorry!".


mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #4891 on: March 11, 2018, 03:28:14 PM »
Yesterday was international womenís day, and a friend told me to go buy lots of stuff because there were lots of sales and discounts for women, and I didnít know how to respond. I also didnít know what to buy. She said I wasted international womenís day! 😭

Edited to add that international womenís day was actually two days ago (March 8). Thatís how out of the loop I am on the major shopping days in China.

Yeah, there were a couple of stores who tried to exploit the international women's day this year in Norway with special "happenings" and deals exclusively for women. They got such an ugly backlash in the media they had to try to lie their way out of it with "oh... we forgot it was the women's day... we just happened to put on this sale on March 8th... of course we respect women's fight for equality, and we would never suggest anyone going shopping on this day... It will never happen again; sorry!".

Itís probably magnified in China because eight is such an auspicious number.

Slow&Steady

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Re: Mustachian People Problems (just for fun)
« Reply #4892 on: March 12, 2018, 01:51:05 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.

This is mostly still annoying the hell out of me, probably has at least a little to do with me being extremely pregnant (hopefully 2 weeks or less left).  My 1st contribution into the new 401k account went in a couple Friday's ago but it seems so small, the old 401k is in the process of being rolled over (new one has better rates), there is nothing going into DH's IRA right now, we are only making minimum payments on SL this means that I have very little to update in my spreadsheets and I really love to update my spreadsheets. 

All of this so that we can have more savings than we have ever had to cover maternity leave and "just in case" BUT when DH sees "a lot" of money in savings it is really really hard to get him to stay in budget (and I might be spending more than budgeted for baby along the way too).  So everyday that baby doesn't come I feel like we are closer and closer to this savings account disappearing without anything to show for it. I can't wait for baby to come and everything to settle down so that I can send money to debt pay down and retirement accounts and start updating my spreadsheets again.

LPG

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Re: Mustachian People Problems (just for fun)
« Reply #4893 on: March 13, 2018, 01:26:44 PM »
Our company 401k interface only allows inputs in the form of % of salary, not in $ amounts. I just got a small raise, effective in the next pay period. Unless I change the % to contribute to the 401k I'll be above the IRS limit. This means calculating how much my new pay will be, calculating the % to withhold, and probably getting a "helpful" e-mail from HR wondering if made a typo because the withholding % is oddly high.

Uuuuuuuuuuuugggggghhhhhhhhh

(This is my first time contributing to this thread in the forum, and I actually feel uncomfortable complaining about that even though we all know it's just for fun)

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #4894 on: March 13, 2018, 02:16:45 PM »
Our company 401k interface only allows inputs in the form of % of salary, not in $ amounts. I just got a small raise, effective in the next pay period. Unless I change the % to contribute to the 401k I'll be above the IRS limit. This means calculating how much my new pay will be, calculating the % to withhold, and probably getting a "helpful" e-mail from HR wondering if made a typo because the withholding % is oddly high.

Uuuuuuuuuuuugggggghhhhhhhhh

(This is my first time contributing to this thread in the forum, and I actually feel uncomfortable complaining about that even though we all know it's just for fun)

Unless your company (a) does their 401k matching on a per-paycheck basis, or (b) has an incompetent HR department (unlikely), you might be able to get away with doing nothing.  Most HR departments will cut off your 401k contributions right at the IRS max.  And most companies don't match on a per-paycheck basis, so you'll still likely get the full company match.

One of the nicer things about leaving it alone is that you'll automagically get higher paychecks in December and maybe November, which is when a lot of people have property taxes or holiday expenses due.

(Sorry to hear about your problem :-) )

jlcnuke

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Re: Mustachian People Problems (just for fun)
« Reply #4895 on: March 13, 2018, 04:30:56 PM »
Our company 401k interface only allows inputs in the form of % of salary, not in $ amounts. I just got a small raise, effective in the next pay period. Unless I change the % to contribute to the 401k I'll be above the IRS limit. This means calculating how much my new pay will be, calculating the % to withhold, and probably getting a "helpful" e-mail from HR wondering if made a typo because the withholding % is oddly high.

Uuuuuuuuuuuugggggghhhhhhhhh

(This is my first time contributing to this thread in the forum, and I actually feel uncomfortable complaining about that even though we all know it's just for fun)

Unless your company (a) does their 401k matching on a per-paycheck basis, or (b) has an incompetent HR department (unlikely), you might be able to get away with doing nothing.  Most HR departments will cut off your 401k contributions right at the IRS max.  And most companies don't match on a per-paycheck basis, so you'll still likely get the full company match.

One of the nicer things about leaving it alone is that you'll automagically get higher paychecks in December and maybe November, which is when a lot of people have property taxes or holiday expenses due.

(Sorry to hear about your problem :-) )
I don't have the statistics on it, but if be surprised if more companies did true-up matches than don't. I've never worked for one that did. Definitely check with people knowledgeable on your companies plan when determining when to max out your contributions.

Sent from my XT1635-01 using Tapatalk

Edit: according to FINRA, the data from 2015 said that only 45% of companies offer true up matching for those that do match each paycheck while only 12% match up on an annual basis. So around half max out whenever they want and still get the full matching contributions.
http://www.finra.org/investors/too-fast-match-401k-misstep-could-hurt-retirement-savings
« Last Edit: March 13, 2018, 04:35:06 PM by jlcnuke »

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #4896 on: March 13, 2018, 05:13:57 PM »
Our company 401k interface only allows inputs in the form of % of salary, not in $ amounts. I just got a small raise, effective in the next pay period. Unless I change the % to contribute to the 401k I'll be above the IRS limit. This means calculating how much my new pay will be, calculating the % to withhold, and probably getting a "helpful" e-mail from HR wondering if made a typo because the withholding % is oddly high.

Uuuuuuuuuuuugggggghhhhhhhhh

(This is my first time contributing to this thread in the forum, and I actually feel uncomfortable complaining about that even though we all know it's just for fun)

Unless your company (a) does their 401k matching on a per-paycheck basis, or (b) has an incompetent HR department (unlikely), you might be able to get away with doing nothing.  Most HR departments will cut off your 401k contributions right at the IRS max.  And most companies don't match on a per-paycheck basis, so you'll still likely get the full company match.

One of the nicer things about leaving it alone is that you'll automagically get higher paychecks in December and maybe November, which is when a lot of people have property taxes or holiday expenses due.

(Sorry to hear about your problem :-) )
I don't have the statistics on it, but if be surprised if more companies did true-up matches than don't. I've never worked for one that did. Definitely check with people knowledgeable on your companies plan when determining when to max out your contributions.

Sent from my XT1635-01 using Tapatalk

Edit: according to FINRA, the data from 2015 said that only 45% of companies offer true up matching for those that do match each paycheck while only 12% match up on an annual basis. So around half max out whenever they want and still get the full matching contributions.
http://www.finra.org/investors/too-fast-match-401k-misstep-could-hurt-retirement-savings

Well, sure.  Who ya gonna trust...FINRA or some guy on the internet?  ;-)

Thanks for the info!

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4897 on: March 15, 2018, 12:25:08 PM »
I charged something on my credit card on Friday (dinner/drinks with a friend) and it hasn't showed up in my account yet, six days later. How am I supposed to reconcile my accounts!? It's making me a little crazy, I keep checking my account to see if it's there yet.

Complicating factor: It's possible someone decided we would get our food and drinks comped, because we had friends working there... but the waitress took my card and swiped it and I signed for it and etc. so it seems unlikely. Can a restaurant cancel a charge after the fact and it would never show up at all on your account?

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4898 on: March 15, 2018, 12:50:52 PM »
I charged something on my credit card on Friday (dinner/drinks with a friend) and it hasn't showed up in my account yet, six days later. How am I supposed to reconcile my accounts!? It's making me a little crazy, I keep checking my account to see if it's there yet.

Complicating factor: It's possible someone decided we would get our food and drinks comped, because we had friends working there... but the waitress took my card and swiped it and I signed for it and etc. so it seems unlikely. Can a restaurant cancel a charge after the fact and it would never show up at all on your account?

I once had a charge show up 3 months later. Something got messed up which is why it took so long. I pay cash at that restaurant now :)

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4899 on: March 19, 2018, 04:08:26 AM »
I always have a guess at how much money I will need for the remaining month and buy stock as soon as possible. Now I have a lot of bills in my bank account that will be paid tomorrow and more days after. I haven't received my salary yet. Somehow I had gotten the impression that my salary comes on the 17th and the first bills had to be paid on the 20th. But now at the 19th I don't enough cash to cover paying the bills tomorrow. I asked DH to pay one of our bills today and transferred some extra, so I should have enough tomorrow to pay the bills that need to be paid tomorrow (with one credit card bill). I also need to shop groceries today, but will pay that by credit card. My salary should also arrive tomorrow, but if it doesn't I'll need to sell stock or rely on DH to have enough in cash.

I checked when my salary was paid the last half year: on the 14th, the 17th, twice on the 18th and twice on the 19th. So it is not so weird that I didn't count on the 20th.