Author Topic: Mustachian People Problems (just for fun)  (Read 3132007 times)

BookLoverL

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Re: Mustachian People Problems (just for fun)
« Reply #6000 on: February 10, 2019, 01:41:39 AM »
I've been decluttering the house, and yesterday, I was emptying out the purse I took on a camping holiday in August last year, and I found there was £85 in cash inside it left over from the holiday. I'd completely forgotten about it and hadn't missed it at all. So, nice bonus I guess?

Then, later, I was emptying out a small handbag that I only use when I go to fancy parties, which is usually twice a year tops. Inside a zip-up compartment, I found two old-style £5 notes. These haven't been allowed to be used in shops since 5 May 2017. Now I'll have to make a special trip to the nearest physical branch of my bank to exchange them for the new style...

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6001 on: February 10, 2019, 06:14:23 AM »
Lately I have been playing around doing side gigs, low hour jobs (have done 1 so far lasted 2 weeks) things I think would be fun . So i fill out alot of applications and get asked to do alot of interviews that I just cant get myself to go to most of them and cancel! I like being Fire'd to much and dont feel like answering a bunch of dumb questions.
I know what you mean!

I had to fill out a job application for the local community college to teach my art classes there.   Jeesh!   Just filling out the forms and finding suitable references was like -- a real job.   I almost quit before I finished the process because it was boring me.


BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6002 on: February 10, 2019, 07:06:15 AM »
Oh, I plan to admit to owing it; it's just there's a box you can check to ask them to calculate it. They're so overwhelmed they might just not.


Or, for $26, maybe I'll just pay up and avoid any risk at all.

If I'm not mistaken, the IRS is waiving a lot of underpayment penalties, due to the tax law change.

You might look into it, but if it's too much hassle, it's only $26 (please don't rain mustachian fire upon me).


 You have to have paid at least 85% of the tax owed for them to waive it this year. Most years it's 90%. We didn't pay anywhere near 85%. :-)

 Well that's an interesting tidbit! I didn't pay my last quarterly payment, partly procrastination, partly because we didn't have any income after Oct 10th. (hurricane Michael totaled our business)
 I'm hoping with the decreased income and the new 20% pass through deduction, I'll be alright, that extra 5% could make the difference.

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6003 on: February 12, 2019, 05:19:15 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6004 on: February 12, 2019, 05:25:56 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations. 

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6005 on: February 12, 2019, 05:36:22 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6006 on: February 12, 2019, 06:17:02 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

It's called Anthony's Key Resort.  It's on Roatan.  They have a fabulous kid's program in the summer.  This was the reason we chose them.


I hear great things about the Brac Beach Resort too, but have never been.  They include a couple of drinks/cocktails a day in their all-inclusive package. 

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #6007 on: February 12, 2019, 07:48:57 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

My wife went on a cruise at 18 and loved it. She has been wanting us to go on one for several years now. Is it really that bad if all you're interested in is relaxing and eating? Our usual trip is laying on a beach for a week with minimal activity, and that works for me.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6008 on: February 12, 2019, 08:31:22 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

I always interpret "all inclusive" as free booze, and therefore: Scandinavians drinking way too much. And I don't expect the food to be good either. The one time we went to spent a week in a real hotel on a Canary Island, I chose one of the few hotels that didn't have an "all inclusive" option, to avoid excessive drinking by other guests.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6009 on: February 12, 2019, 12:38:36 PM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

My wife went on a cruise at 18 and loved it. She has been wanting us to go on one for several years now. Is it really that bad if all you're interested in is relaxing and eating? Our usual trip is laying on a beach for a week with minimal activity, and that works for me.

Don't get me wrong.  A lot of people love them.  My parents go on one every year or so.  I liked the first one I went on as a teenager.  Speaking for Carnival, over the years, the food has gotten worse and the lines have gotten longer.  The drinks are overpriced at best (get the drink package if you plan on drinking more than 3-4 a day).  Sea days are monotonous and port days are a cannonball run.  I think that is my biggest issue.  I want to go on vacation to see a place.  I don't want to be doing the Amazing Race because I only have 8 hours to take it all in.  And the areas around the port are all the same 15 shops that are at every other port.  So you don't really get a chance to really see the areas that you are stopping in.  And as a diver, I have major concerns about what the ports and ships are doing to the reefs.

La Bibliotecaria Feroz

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Re: Mustachian People Problems (just for fun)
« Reply #6010 on: February 12, 2019, 01:19:42 PM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

My wife went on a cruise at 18 and loved it. She has been wanting us to go on one for several years now. Is it really that bad if all you're interested in is relaxing and eating? Our usual trip is laying on a beach for a week with minimal activity, and that works for me.

I enjoyed the one I took for my honeymoon very much. Perhaps I went and had a drink in the lobby watching a British guy play the guitar while my new husband took a nap. We watched Solo in beach chairs. There was a bawdy piano bar. I read books on deck chairs with tropical drinks. I enjoyed it immensely. I did not get the unlimited drinks package because it was the equivalent of like 5 drinks a day and I generally only had 3-4.

K-ice

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Re: Mustachian People Problems (just for fun)
« Reply #6011 on: February 12, 2019, 03:51:23 PM »
I've never been to an all inclusive but I am a bit tempted.

However, I drink about one drink a month so if I could opt out of the alcohol package I would.

Also, the stories I've heard about some people spending all day at the swim up bar and drinking non-stop & never getting our of the water for a break gross me out.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6012 on: February 12, 2019, 05:05:10 PM »
My parents used to take us to all-inclusive resorts. We quickly figured out that the bars make non-alcoholic fancy drinks. A virgin strawberry daiquiri is a strawberry slushie, and virgin pina coladas are also delicious. Slushies usually cost $3-4 per drink, so we felt like we were still getting a good deal.

CindyBS

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Re: Mustachian People Problems (just for fun)
« Reply #6013 on: February 12, 2019, 05:45:24 PM »
I shudder at the thought of a cruise - it seems too much like a floating prison with a bunch of strangers and no freedom to set your schedule in port.  Boat leaves at XX time and you are on it or not.

However, the one area I think cruises really work well is for people with disabilities.  My parents take a lot of cruises for this reason - 1 parent is disabled, 1 is not.  The ships are accessible, no narrow walkways, inaccessible museums, lots of walking, cobblestone streets, inaccessible public transit, hotels with no elevators, etc, etc.  There is always stuff to do on the ship.  My able-bodied parent goes on the excursions to do stuff like horseback riding and kayaking the other one can't confident that the other parent is being left behind somewhere there are things to do and people to hang out with.  It seems like the excursion trips available are very descriptive about the ability level required to do the excurion.  No showing up at a sight only to find out there is 100 steps involved, etc.

My one exception to the no-cruise rule for myself is that I would love to go on a cruise where I can look out and watch glaciers calving.  That can only be done on a boat. 
 

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6014 on: February 12, 2019, 07:00:38 PM »
I think the issue I have with most cruises and all inclusive resorts is that they are so large.  I prefer to be are less people, so hotels with 50 rooms or less are more my style.

fell-like-rain

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Re: Mustachian People Problems (just for fun)
« Reply #6015 on: February 15, 2019, 09:52:41 AM »
Logged in to my 401(k) provider today and got a notification recommending that I increase my contributions. Presumably they send this to everyone, and there wasn't any check in place to see if people actually were on track or not. So the message I got went something like (paraphrased): "You are currently only contributing $791 per paycheck. At this rate, you are on track to earn just 127% of your current annual income after retirement. Call now to increase your contribution and secure your retirement today."

I wanted to send them an email saying, "You know, I wish I could contribute more, but the IRS might take issue with that..."

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6016 on: February 15, 2019, 11:24:40 AM »
Logged in to my 401(k) provider today and got a notification recommending that I increase my contributions. Presumably they send this to everyone, and there wasn't any check in place to see if people actually were on track or not. So the message I got went something like (paraphrased): "You are currently only contributing $791 per paycheck. At this rate, you are on track to earn just 127% of your current annual income after retirement. Call now to increase your contribution and secure your retirement today."

I wanted to send them an email saying, "You know, I wish I could contribute more, but the IRS might take issue with that..."

"Just 127%"

Our MPP: We got an ESPP program refund. This happens whenever the shares go down during the offering period due to the formula for determining the max number of shares an individual can purchase. And yet, we always forget about it until trying to figure out why a paycheck is bigger than expected. It's like a tax refund. Yay! chunk of money. Boo, we didn't get 15% on this particular chunk because of that rule. Plus, we will have to pay a fee to invest it in either of our current brokerage accounts.

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #6017 on: February 16, 2019, 10:54:41 AM »
I shudder at the thought of a cruise - it seems too much like a floating prison with a bunch of strangers and no freedom to set your schedule in port.  Boat leaves at XX time and you are on it or not.

However, the one area I think cruises really work well is for people with disabilities.  My parents take a lot of cruises for this reason - 1 parent is disabled, 1 is not.  The ships are accessible, no narrow walkways, inaccessible museums, lots of walking, cobblestone streets, inaccessible public transit, hotels with no elevators, etc, etc.  There is always stuff to do on the ship.  My able-bodied parent goes on the excursions to do stuff like horseback riding and kayaking the other one can't confident that the other parent is being left behind somewhere there are things to do and people to hang out with.  It seems like the excursion trips available are very descriptive about the ability level required to do the excurion.  No showing up at a sight only to find out there is 100 steps involved, etc.

My one exception to the no-cruise rule for myself is that I would love to go on a cruise where I can look out and watch glaciers calving.  That can only be done on a boat.
I've watched glaciers calving from on land.  Admittedly I did take a 'cruise' to get there - if you can count the 4 day boat trip from Puerto Montt to Punta Arenas* as a cruise - bring your own booze and get your sleeping bag down where you can!  Not sure I'd still be up for that 30 years on though :(
ETA: I just checked it out and the boat has cabins now!
*Normally to Puerto Natales but that port was closed when I did it so had to take the longer route to PA.
« Last Edit: February 16, 2019, 10:59:50 AM by PhilB »

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6018 on: February 19, 2019, 06:33:39 AM »
My MPP:  Apparently, I'm getting a raise, retroactive to 1 January (federal employee).  I changed my TSP contribution last week to try to catch the paycheck with the backpay.  While all my co-workers are hoping to see the COLA become effective on the first paycheck in March, I'm hoping more for the third week of March.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6019 on: February 19, 2019, 07:07:20 AM »
The best cruises are the ones where it's the most efficient mode of travel. I visited New Zealand on a cruise ship and we were in a different city every day. Each port has a local site where you can choose tours on the spot, avoiding the cruise ship mark up. In Dunedin, we joined two others on a delightful tour of the city run by a local lady with a minivan. She was a hoot and we felt like we'd made a new friend. We then toured Australia, which included several flights and hotel changes. Compared to the ship, getting around was a total pain in the ass.

SunshineAZ

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Re: Mustachian People Problems (just for fun)
« Reply #6020 on: February 19, 2019, 08:59:18 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

It's called Anthony's Key Resort.  It's on Roatan.  They have a fabulous kid's program in the summer.  This was the reason we chose them.


I hear great things about the Brac Beach Resort too, but have never been.  They include a couple of drinks/cocktails a day in their all-inclusive package.

We go to Anthony's Key Resort in Sept/Oct every year and have been going since 2002.  We own a house 1/2 mil down the beach and will hopefully be moving there later this year.  We love it there. 

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6021 on: February 19, 2019, 09:06:48 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

It's called Anthony's Key Resort.  It's on Roatan.  They have a fabulous kid's program in the summer.  This was the reason we chose them.


I hear great things about the Brac Beach Resort too, but have never been.  They include a couple of drinks/cocktails a day in their all-inclusive package.

We go to Anthony's Key Resort in Sept/Oct every year and have been going since 2002.  We own a house 1/2 mil down the beach and will hopefully be moving there later this year.  We love it there.

Our plan right now is to retire down there, though I think I'd prefer to live more West Bay than Sandy Bay.  I legit dream about the baleadas at Elizabeth's and the conch cerviche at Calelu's.  My biggest fear is that the traffic from the cruise ships is going to ruin the island and reef or turn Roatan into Ambergris Cay and price us out of the market before we can retire. 
« Last Edit: February 19, 2019, 09:09:51 AM by Sugaree »

SunshineAZ

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Re: Mustachian People Problems (just for fun)
« Reply #6022 on: February 19, 2019, 09:18:20 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

It's called Anthony's Key Resort.  It's on Roatan.  They have a fabulous kid's program in the summer.  This was the reason we chose them.


I hear great things about the Brac Beach Resort too, but have never been.  They include a couple of drinks/cocktails a day in their all-inclusive package.

We go to Anthony's Key Resort in Sept/Oct every year and have been going since 2002.  We own a house 1/2 mil down the beach and will hopefully be moving there later this year.  We love it there.

Our plan right now is to retire down there, though I think I'd prefer to live more West Bay than Sandy Bay.  I legit dream about the baleadas at Elizabeth's and the conch cerviche at Calelu's.  My biggest fear is that the traffic from the cruise ships is going to ruin the island and reef or turn Roatan into Ambergis Cay and price us out of the market before we can retire.

We bought our property in 2003 and built our house in 2005, it is all paid for and has been rented out since then.  We looked in West Bay, but the prices were much higher and for houses that were not all that close to the water.  Also the housing options were much more limited back then.  We also didn't want to be in an expat "community" with potentially ridiculous HOA fees.  I will say that lack of available financing has kept the housing values relatively stable, and if you have cash, you will be in a good position for buying and negotiating.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6023 on: February 19, 2019, 09:37:11 AM »
MPP, being sympathetic with a co-worker as she described how she was not all that impressed by Norwegian Cruise Lines since they didn't offer shrimp cocktail or crab legs.  Seeing as I don't eat meat and have never been interested in "all inclusive" vacations I just couldn't relate to her complaints.

It depends on exactly what the "All-Inclusive" includes.  My favorite vacation spot in the entire world is an "all-inclusive" dive resort and the inclusive part includes 20 dives a week.  But I find that cruises tend to be the McDonald's of vacations.

The one's where they focus on eating and drinking.  I'm semi interested in ones that have activities that meet my interests.  Also where is this resort, I have a friend who might be interested if she's never heard of the place.

It's called Anthony's Key Resort.  It's on Roatan.  They have a fabulous kid's program in the summer.  This was the reason we chose them.


I hear great things about the Brac Beach Resort too, but have never been.  They include a couple of drinks/cocktails a day in their all-inclusive package.

We go to Anthony's Key Resort in Sept/Oct every year and have been going since 2002.  We own a house 1/2 mil down the beach and will hopefully be moving there later this year.  We love it there.

Our plan right now is to retire down there, though I think I'd prefer to live more West Bay than Sandy Bay.  I legit dream about the baleadas at Elizabeth's and the conch cerviche at Calelu's.  My biggest fear is that the traffic from the cruise ships is going to ruin the island and reef or turn Roatan into Ambergis Cay and price us out of the market before we can retire.

We bought our property in 2003 and built our house in 2005, it is all paid for and has been rented out since then.  We looked in West Bay, but the prices were much higher and for houses that were not all that close to the water.  Also the housing options were much more limited back then.  We also didn't want to be in an expat "community" with potentially ridiculous HOA fees.  I will say that lack of available financing has kept the housing values relatively stable, and if you have cash, you will be in a good position for buying and negotiating.

If we buy, it will be a cash purchase and I won't ever live anywhere with an HOA, retirement community or otherwise.  My husband isn't sold on actually buying property unless the political situation on the mainland stabilizes a bit.  He's afraid that we'll wake up one day and no longer own our property.  But he really likes Coxen Hole (he made friends there).  If we were doing it today, I'd say that we'd definitely rent for the first 6-12 months until we knew where we wanted to settle in.

bluebelle

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Re: Mustachian People Problems (just for fun)
« Reply #6024 on: February 20, 2019, 01:02:14 PM »
I have a very happy MPP.....I contribute to my company RRSP (like a 401k) at the rate that gets me the maximum company match.  For the remainder of my RRSP contribution room, I have a non-group RRSP (gives me more investment options).....here's my 'problem'; I got a decent raise last summer, and I got an out of cycle raise towards the end of the year.....I didn't recalculate the appropriate rate for my fixed monthly personal RRSP.....still waiting for my T4, but back of the napkin calculation? I over contributed by approximately $1,100 to RRSPs for the 2018 taxation year.  No biggie, I can carry over that much for 2019.....
'Bigger' MPP - our bonus this year is going to be bigger than I expected (waiting to see just how much bigger).  The bonus is eligible for group RRSP, so that means my contribution will be even bigger in 2019.....I'm going to have to drop my fixed monthly personal RRSP down by a few hundred dollars per month or I'll be way over the contribution limit...

I have such a hard life......  :-)

« Last Edit: February 20, 2019, 02:23:22 PM by bluebelle »

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #6025 on: February 20, 2019, 03:17:27 PM »
@Sugaree @SunshineAZ do you both feel comfortable on Roatan now that Mainland Honduras is so messed up?  I visited in 2004 and loved it. Bluest water I'd ever seen and some amazing seafood. I always dreamed of going back. I'm hesitant to visit again though until politics are more settled. Is there a big expat community there?

OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #6026 on: February 20, 2019, 04:48:59 PM »
All of the bills are paid for the month. All credit cards are paid in full. All necessary money has been set aside for our next 6-month auto insurance policy, estimated taxes, and our home maintenance fund (i.e., roof replacement in cash!). HSA and 401K have been taken out of husband's paychecks. I'm about to drop the monthly max payment into my IRA and will still have money left in checking. Husband and I each have another paycheck coming in before month's end.

I feel like I've missed something but I really haven't. I've checked about six times. It's an odd (for us; we were non-mortgage debt to the tune of $10K+ a year ago) but really nice problem to have. Husband says he doesn't feel deprived at all. I won't either as soon as the weather clears up and I can hike outside again.

Blindsquirrel

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Re: Mustachian People Problems (just for fun)
« Reply #6027 on: February 20, 2019, 05:09:47 PM »
  Your organization is impressive otherjen!
Me, not so much.

OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #6028 on: February 20, 2019, 05:59:41 PM »
  Your organization is impressive otherjen!
Me, not so much.

Thanks. It was definitely a skill learned the hard way (see: large previous debt). These forums have been enormously helpful.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #6029 on: February 20, 2019, 08:42:33 PM »
Did our taxes using TurboTax and saved $300+ compared to using the accountant last year.  Will have to pay that and more due to income outside of our jobs.  Celebrated because, hey, interest free loan from Uncle Sam!

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6030 on: February 21, 2019, 04:56:35 AM »
@Sugaree @SunshineAZ do you both feel comfortable on Roatan now that Mainland Honduras is so messed up?  I visited in 2004 and loved it. Bluest water I'd ever seen and some amazing seafood. I always dreamed of going back. I'm hesitant to visit again though until politics are more settled. Is there a big expat community there?

We went last summer and never felt unsafe.  We stayed mostly on the grounds of a resort, but did stay one night at a hostel and wandered around the touristy part of the island.  My husband skipped a couple of days of diving due to an ear infection and went exploring in the city.  I would definitely go back, and take my kid.  The one thing I did draw the line at was requiring that we fly directly into and out of Coxen Hole airport.  A lot of flights I looked at had at least a short layover in San Pedro Sula on the mainland.  If it had been just me and my husband then I might have considered it, but I wasn't going to risk it with my 5 year-old. 

As far as the expat community goes, there does seem to be a good sized one there, but SunshineAZ might be able to answer more questions about that currently.  In fact, Roatan seemed to me to be a lot of older retirees and families with kids.  I think that the neighboring island of Utila has a bit more of the younger crowd and nightlife. 

SunshineAZ

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Re: Mustachian People Problems (just for fun)
« Reply #6031 on: February 21, 2019, 07:52:55 AM »
@Sugaree @SunshineAZ do you both feel comfortable on Roatan now that Mainland Honduras is so messed up?  I visited in 2004 and loved it. Bluest water I'd ever seen and some amazing seafood. I always dreamed of going back. I'm hesitant to visit again though until politics are more settled. Is there a big expat community there?

There is a much different situation on Roatan, than the mainland.  However, there are incidents where some people from the mainland come over and cause trouble, rob tourists, etc., but the expat community has really stepped up to report the offenders and catch them, so they usually get caught relatively quickly and sent back to the mainland.  The expat community has also pitched in and provided several police vehicles and there are some closed "Crime watch" site where people post photos and incident reports to help the police catch criminals.  Basically, the rules there are the same as most places, don't walk in dark isolated areas at night, don't leave valuables unattended and lock your doors. 

We always stay at Anthony's Key Resort, which is extremely safe, and we have been going there since 2002, even during the time of the government coup in 2009.   I will say that we are lucky to be friends with several trustworthy locals and taxi drivers, so we always deal with them when we go into town or need anything. 

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #6032 on: February 21, 2019, 09:19:08 AM »
Did our taxes using TurboTax and saved $300+ compared to using the accountant last year.  Will have to pay that and more due to income outside of our jobs.  Celebrated because, hey, interest free loan from Uncle Sam!

i did mine turbo tax, only saved 75$ 

i'm thinking about goign back to accountant next year bc my taxes were more w turbo tax (i know there might be other confounding variables )

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6033 on: February 21, 2019, 10:57:12 AM »
Last week I went on a short trip to Germany. I hadn't done anything extravagant and when I added up everything I was somewhat shocked by the total. I thought I'd spent a bit less than I had in reality.

Today at work we discussed trip expenses and I told them I'd been spendier than normal (they know I'm frugal/cheap). However, when I shared my (to me) shockingly high expenses over 5 days my two coworkers were totally non-impressed and said that it sounded like their food budget for a single day :(

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6034 on: February 21, 2019, 01:55:26 PM »
Did our taxes using TurboTax and saved $300+ compared to using the accountant last year.  Will have to pay that and more due to income outside of our jobs.  Celebrated because, hey, interest free loan from Uncle Sam!

i did mine turbo tax, only saved 75$ 

i'm thinking about goign back to accountant next year bc my taxes were more w turbo tax (i know there might be other confounding variables )

Just look at your previous filings to see which additional deductions were taken that you didnít take this year.  Unless you have wildly different tax situations from year to year, you can basically use the old ones as a cheat sheet.  That being said, quite a few deductions went away due to trumps crappy tax reform

sherr

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Re: Mustachian People Problems (just for fun)
« Reply #6035 on: February 21, 2019, 03:34:36 PM »
Did our taxes using TurboTax and saved $300+ compared to using the accountant last year.  Will have to pay that and more due to income outside of our jobs.  Celebrated because, hey, interest free loan from Uncle Sam!

i did mine turbo tax, only saved 75$ 

i'm thinking about goign back to accountant next year bc my taxes were more w turbo tax (i know there might be other confounding variables )

Just look at your previous filings to see which additional deductions were taken that you didnít take this year.  Unless you have wildly different tax situations from year to year, you can basically use the old ones as a cheat sheet.  That being said, quite a few deductions went away due to trumps crappy tax reform

Heh, this is like the worst year possible to give that advice, everyone's tax situation is wildly different this year thanks to the TCJA.

@letsdoit FYI my taxes are higher this year too thanks to the law changes. Feel free to try an accountant next year just to see, but don't be too surprised if you get the same result.

aetherie

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Re: Mustachian People Problems (just for fun)
« Reply #6036 on: February 21, 2019, 08:24:03 PM »
When you file state taxes in VT, they charge a 6% use tax on items you purchased online (or out of state) and didn't pay sales tax on. The tax form has two options: either you can go back through your receipts for the year and calculate the exact amount you owe, or you can go the easy way and use their estimation table, which puts it at ~0.1% of income. My MPP is that I knew we didn't spend anywhere near the amount they used to make that estimation table, so I took 45 minutes and did it the hard way. (And saved $130 for my troubles!)

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #6037 on: February 22, 2019, 02:42:37 AM »
When you file state taxes in VT, they charge a 6% use tax on items you purchased online (or out of state) and didn't pay sales tax on. The tax form has two options: either you can go back through your receipts for the year and calculate the exact amount you owe, or you can go the easy way and use their estimation table, which puts it at ~0.1% of income. My MPP is that I knew we didn't spend anywhere near the amount they used to make that estimation table, so I took 45 minutes and did it the hard way. (And saved $130 for my troubles!)

That's a good rate per hour. Well done, @aetherie!

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6038 on: February 22, 2019, 04:45:57 AM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #6039 on: February 22, 2019, 05:42:22 AM »
Did our taxes using TurboTax and saved $300+ compared to using the accountant last year.  Will have to pay that and more due to income outside of our jobs.  Celebrated because, hey, interest free loan from Uncle Sam!

i did mine turbo tax, only saved 75$ 

i'm thinking about goign back to accountant next year bc my taxes were more w turbo tax (i know there might be other confounding variables )

Just look at your previous filings to see which additional deductions were taken that you didnít take this year.  Unless you have wildly different tax situations from year to year, you can basically use the old ones as a cheat sheet.  That being said, quite a few deductions went away due to trumps crappy tax reform

Heh, this is like the worst year possible to give that advice, everyone's tax situation is wildly different this year thanks to the TCJA.

@letsdoit FYI my taxes are higher this year too thanks to the law changes. Feel free to try an accountant next year just to see, but don't be too surprised if you get the same result.
Oddly enough, our taxes this year were surprisingly similar to last year's.  The standard deduction, and cap on SALT, elimination of exemptions, increased child tax credit, and tweaked tax brackets all sorta cancelled out in our case.  I can see how childless filers who itemize in high-tax states could get hurt, though.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #6040 on: February 23, 2019, 09:32:15 AM »
We are buying the land our house is built on (currently on lease from the municipality), and since the bill is larger than we can cash flow in one month, we have to pull 4k from the buffer. It will all be back in balance next month, but taking money from any type of savings account annoys me. Savings accounts are for putting money INTO, not taking money out.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #6041 on: February 23, 2019, 09:39:15 AM »
We are buying the land our house is built on (currently on lease from the municipality), and since the bill is larger than we can cash flow in one month, we have to pull 4k from the buffer. It will all be back in balance next month, but taking money from any type of savings account annoys me. Savings accounts are for putting money INTO, not taking money out.
OMG yes!  We took money out of savings in December to put to our Roths, it annoyed me so much even though it was literally moving to another savings spot!

Aunt Petunia

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Re: Mustachian People Problems (just for fun)
« Reply #6042 on: February 23, 2019, 05:07:00 PM »
I got a message from Mint that I hadn't spent any money last week. "Wait, that can't be right".

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6043 on: February 24, 2019, 10:35:06 AM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.
This happened to us a lot at Chase Bank. One person, Flora, was especially persistent. We had a lot of cash on standby in anticipation of future flip project and she just couldn't stand seeing all those zeros. Everybody else at Chase backed off when we firmly asked told them to. Fast forward and we're in the middle of the anticipated flip and our balances have dipped considerably. We're still on track/on budget, but between the down payment, carrying costs, and rehab expenses, we're looking at $250k. Last week, I cleaned out my voicemail and fuckin-A, there was a message from Flora. I couldn't hit "delete" fast enough. BTW, Flora is a salesperson at another branch. She lied to me to get me to make an appointment to come in to "review my accounts". I figured it out before the appointment and complained to her manager. I was told she wouldn't bother us again. She surely wasn't calling for any other reason this tine. She must have a new manager. And yes, Flora is her real name.
MPP indeed!

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6044 on: February 24, 2019, 12:19:49 PM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.
This happened to us a lot at Chase Bank. One person, Flora, was especially persistent. We had a lot of cash on standby in anticipation of future flip project and she just couldn't stand seeing all those zeros. Everybody else at Chase backed off when we firmly asked told them to. Fast forward and we're in the middle of the anticipated flip and our balances have dipped considerably. We're still on track/on budget, but between the down payment, carrying costs, and rehab expenses, we're looking at $250k. Last week, I cleaned out my voicemail and fuckin-A, there was a message from Flora. I couldn't hit "delete" fast enough. BTW, Flora is a salesperson at another branch. She lied to me to get me to make an appointment to come in to "review my accounts". I figured it out before the appointment and complained to her manager. I was told she wouldn't bother us again. She surely wasn't calling for any other reason this tine. She must have a new manager. And yes, Flora is her real name.
MPP indeed!

Tell her manager that you have been drawing down funds because of her behavior.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6045 on: February 24, 2019, 12:55:09 PM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.
This happened to us a lot at Chase Bank. One person, Flora, was especially persistent. We had a lot of cash on standby in anticipation of future flip project and she just couldn't stand seeing all those zeros. Everybody else at Chase backed off when we firmly asked told them to. Fast forward and we're in the middle of the anticipated flip and our balances have dipped considerably. We're still on track/on budget, but between the down payment, carrying costs, and rehab expenses, we're looking at $250k. Last week, I cleaned out my voicemail and fuckin-A, there was a message from Flora. I couldn't hit "delete" fast enough. BTW, Flora is a salesperson at another branch. She lied to me to get me to make an appointment to come in to "review my accounts". I figured it out before the appointment and complained to her manager. I was told she wouldn't bother us again. She surely wasn't calling for any other reason this tine. She must have a new manager. And yes, Flora is her real name.
MPP indeed!

Tell her manager that you have been drawing down funds because of her behavior.
Lol, good one! I'd do it, but I'm lazy. Too much effort. Easier to delete her messages. IIRC, it had to do with eligibility for some kind of elevated customer status, which I don't give a fuck about, but I did at one time. Some banks count the value of mortgages with their bank as a minimum account balance qualifier. We had two with them, but Chase doesn't count them, though Flora said they did to lure me in. We now only have one with them, and I just don't care. Funny how being FIRE makes you not care about shit you cared about in your pre-FIRE days.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6046 on: February 24, 2019, 02:27:48 PM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.
This happened to us a lot at Chase Bank. One person, Flora, was especially persistent. We had a lot of cash on standby in anticipation of future flip project and she just couldn't stand seeing all those zeros. Everybody else at Chase backed off when we firmly asked told them to. Fast forward and we're in the middle of the anticipated flip and our balances have dipped considerably. We're still on track/on budget, but between the down payment, carrying costs, and rehab expenses, we're looking at $250k. Last week, I cleaned out my voicemail and fuckin-A, there was a message from Flora. I couldn't hit "delete" fast enough. BTW, Flora is a salesperson at another branch. She lied to me to get me to make an appointment to come in to "review my accounts". I figured it out before the appointment and complained to her manager. I was told she wouldn't bother us again. She surely wasn't calling for any other reason this tine. She must have a new manager. And yes, Flora is her real name.
MPP indeed!

Tell her manager that you have been drawing down funds because of her behavior.
Lol, good one! I'd do it, but I'm lazy. Too much effort. Easier to delete her messages. IIRC, it had to do with eligibility for some kind of elevated customer status, which I don't give a fuck about, but I did at one time. Some banks count the value of mortgages with their bank as a minimum account balance qualifier. We had two with them, but Chase doesn't count them, though Flora said they did to lure me in. We now only have one with them, and I just don't care. Funny how being FIRE makes you not care about shit you cared about in your pre-FIRE days.

Probably Sapphire Banking, they pay you with 60k UR points, which you can cash out for $600, or if you have a premium Sapphire credit card, higher amounts of travel.

You just have to maintain a $75k balance for 90 days, have to keep the account 6 months.

https://www.doctorofcredit.com/chase-sapphire-banking-60000-chase-ultimate-rewards-upgrade-offer-publicly-available/
« Last Edit: February 24, 2019, 02:29:38 PM by TomTX »

FireLane

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Re: Mustachian People Problems (just for fun)
« Reply #6047 on: February 24, 2019, 07:49:37 PM »
The supermarket circular this week was advertising pints of blueberries at two for $5. It seemed like a good deal, so I got two. On the way out, I double-checked my receipt and noticed that I'd been charged $7 each for them.

I went back to customer service, and the woman working there gave me a hard time about it. She said that I must have gotten a brand that wasn't eligible for the deal. I didn't, I got them from the shelf with the sign advertising the 2-for-$5 deal, and there was no other brand of blueberries there.

I actually had to show her a picture of the shelf with the sign on it before she gave in and credited my card. She said several other people had complained about this (?!). Well, then you knew there was a problem, so you should have fixed it before! Were they deliberately overcharging customers and hoping no one noticed?

This is a definite MPP, since an extra $9 is hardly going to wreck my budget. But I pay very close attention to my grocery bill, and even a small overcharge nags at me.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6048 on: February 25, 2019, 01:30:28 AM »
Yesterday I got a phone call from our bank.  It was their investment sales manager calling to sell their investment advisor services to me.  Reading between the lines, the bank noticed that our cash balance was higher than usual, and decided to try to milk us for their other services.

AHAHAHAHAHAHAHAHA!!  [wipes away tears of laughter]

Second reaction -- it may be time to find a new bank.  I just want to be left alone and not get sales pitches.
This happened to us a lot at Chase Bank. One person, Flora, was especially persistent. We had a lot of cash on standby in anticipation of future flip project and she just couldn't stand seeing all those zeros. Everybody else at Chase backed off when we firmly asked told them to. Fast forward and we're in the middle of the anticipated flip and our balances have dipped considerably. We're still on track/on budget, but between the down payment, carrying costs, and rehab expenses, we're looking at $250k. Last week, I cleaned out my voicemail and fuckin-A, there was a message from Flora. I couldn't hit "delete" fast enough. BTW, Flora is a salesperson at another branch. She lied to me to get me to make an appointment to come in to "review my accounts". I figured it out before the appointment and complained to her manager. I was told she wouldn't bother us again. She surely wasn't calling for any other reason this tine. She must have a new manager. And yes, Flora is her real name.
MPP indeed!

Tell her manager that you have been drawing down funds because of her behavior.
Lol, good one! I'd do it, but I'm lazy. Too much effort. Easier to delete her messages. IIRC, it had to do with eligibility for some kind of elevated customer status, which I don't give a fuck about, but I did at one time. Some banks count the value of mortgages with their bank as a minimum account balance qualifier. We had two with them, but Chase doesn't count them, though Flora said they did to lure me in. We now only have one with them, and I just don't care. Funny how being FIRE makes you not care about shit you cared about in your pre-FIRE days.

Probably Sapphire Banking, they pay you with 60k UR points, which you can cash out for $600, or if you have a premium Sapphire credit card, higher amounts of travel.

You just have to maintain a $75k balance for 90 days, have to keep the account 6 months.

https://www.doctorofcredit.com/chase-sapphire-banking-60000-chase-ultimate-rewards-upgrade-offer-publicly-available/
I think that's what we opened for the flip house. I'll check in the morning. Oh, damn, it is morning. Dang insomnia! Later today then. Thanks!

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6049 on: February 25, 2019, 01:35:27 AM »
I actually had to show her a picture of the shelf with the sign on it before she gave in and credited my card. She said several other people had complained about this (?!). Well, then you knew there was a problem, so you should have fixed it before! Were they deliberately overcharging customers and hoping no one noticed?

Yes, we think this is often the case.

The other trick they have is putting a big discount sign up, but only having the non prominent goods on discount. The most prominent item is extra expensive and not clearly marked. Sometimes even put on the wrong shelve with the price tag somewhere else. Always watch out in these shops.