Author Topic: Mustachian People Problems (just for fun)  (Read 2162838 times)

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6050 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 #6051 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 #6052 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 #6053 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 #6054 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 #6055 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.

TVRodriguez

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Re: Mustachian People Problems (just for fun)
« Reply #6056 on: February 25, 2019, 01:30:17 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.

This happened to me recently at CVS with two different items.  It was even less money (50 cents on one item and 30 cents on another), and I only noticed them one at a time, so I ended up going to the register three times.  First time to buy the items, second time to fix the first error after glancing at the receipt and seeing the difference in price, and then after that I checked the receipt again on my way out and, sure enough, there was the other error.  I went to the shelf and took a photo of the item next to the tag and the receipt.  I went back to the register and showed the cashier my photo and my receipt, and she fixed it.  But that was irritating.  Can I afford the 80 cents (plus tax)?  Sure, but wouldn't it be nice if they simply labeled the items properly?

ozbeach

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Re: Mustachian People Problems (just for fun)
« Reply #6057 on: February 25, 2019, 03:18:19 PM »
I received a replacement debit card (linked to my savings transaction account) from the bank as the old one had expired. I had to go online to activate it and set a PIN. I wanted to make a cash withdrawal to check that it was working properly before I really needed to use it, but I had withdrawn $40 cash about five weeks ago which was still sitting in my wallet untouched so felt 'wrong' about taking out more cash!

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6058 on: February 25, 2019, 03:20:55 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.

This happened to me recently at CVS with two different items.  It was even less money (50 cents on one item and 30 cents on another), and I only noticed them one at a time, so I ended up going to the register three times.  First time to buy the items, second time to fix the first error after glancing at the receipt and seeing the difference in price, and then after that I checked the receipt again on my way out and, sure enough, there was the other error.  I went to the shelf and took a photo of the item next to the tag and the receipt.  I went back to the register and showed the cashier my photo and my receipt, and she fixed it.  But that was irritating.  Can I afford the 80 cents (plus tax)?  Sure, but wouldn't it be nice if they simply labeled the items properly?

Well, with thousands of items there are bound to be a few mistakes.  Just because.

And it's possible that cheating on the prices is part of a management conspiracy.   Probably not, but possible.

It's also possible that overworked and underpaid retail staff who are treated like shit by their management and the general public don't give a damn anymore about how good a job they do.   

nnls

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Re: Mustachian People Problems (just for fun)
« Reply #6059 on: February 25, 2019, 03:26:54 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.

This happened to me recently at CVS with two different items.  It was even less money (50 cents on one item and 30 cents on another), and I only noticed them one at a time, so I ended up going to the register three times.  First time to buy the items, second time to fix the first error after glancing at the receipt and seeing the difference in price, and then after that I checked the receipt again on my way out and, sure enough, there was the other error.  I went to the shelf and took a photo of the item next to the tag and the receipt.  I went back to the register and showed the cashier my photo and my receipt, and she fixed it.  But that was irritating.  Can I afford the 80 cents (plus tax)?  Sure, but wouldn't it be nice if they simply labeled the items properly?

Well, with thousands of items there are bound to be a few mistakes.  Just because.

And it's possible that cheating on the prices is part of a management conspiracy.   Probably not, but possible.

It's also possible that overworked and underpaid retail staff who are treated like shit by their management and the general public don't give a damn anymore about how good a job they do.   

Alot of stores in Australia have a rule that if the price on the shelf is lower than the price that it scans at you get the item for free so I doubt they would do it deliberately.

TVRodriguez

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Re: Mustachian People Problems (just for fun)
« Reply #6060 on: February 26, 2019, 09:32:18 AM »
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.

This happened to me recently at CVS with two different items.  It was even less money (50 cents on one item and 30 cents on another), and I only noticed them one at a time, so I ended up going to the register three times.  First time to buy the items, second time to fix the first error after glancing at the receipt and seeing the difference in price, and then after that I checked the receipt again on my way out and, sure enough, there was the other error.  I went to the shelf and took a photo of the item next to the tag and the receipt.  I went back to the register and showed the cashier my photo and my receipt, and she fixed it.  But that was irritating.  Can I afford the 80 cents (plus tax)?  Sure, but wouldn't it be nice if they simply labeled the items properly?

Well, with thousands of items there are bound to be a few mistakes.  Just because.

And it's possible that cheating on the prices is part of a management conspiracy.   Probably not, but possible.

It's also possible that overworked and underpaid retail staff who are treated like shit by their management and the general public don't give a damn anymore about how good a job they do.   

I doubt it's a conspiracy or anything other than an error in the system.  The staff there does their best, and they're never anything but pleasant.  It's still irritating.  Glad I was paying attention, that's all.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6061 on: February 26, 2019, 11:47:28 AM »
In my country we can fill in 2018 tax returns from March 1st. Normally we stay up until midnight and send it in right away, but this year my s/o has to get up at 4.30 am so we won't be able to send it in until dinnertime on March 1st.

We expect quite a lot of money back this year and I just want to know how much exactly.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6062 on: February 28, 2019, 06:53:03 AM »
Yesterday I bought something in the cafeteria at work. As I never buy anything there normally, only once or twice a year, I always forget how the self service checkout display works. I need to ask for help each time. It is unfortunately not as simple as the self-service checkout in shops.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #6063 on: February 28, 2019, 08:51:28 AM »
Yesterday I bought something in the cafeteria at work. As I never buy anything there normally, only once or twice a year, I always forget how the self service checkout display works. I need to ask for help each time. It is unfortunately not as simple as the self-service checkout in shops.

This happens to me in fast food restaurants! I go so rarely. People in line ahead of me seem to have the menu memorized, but I need to read it.  And where do I wait for my order!? Do I sit at the table, do I wait by the counter, and if so, which part of the counter?  It varies by the shop.

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #6064 on: February 28, 2019, 09:53:50 AM »
i ducked into a bar to watch a soccer game for 15 minutes and saw a funny commercial and i bust out laughing. 
everyone turned around like i was an alien, i think theyd all seen the commercial 100 times

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6065 on: March 01, 2019, 04:46:36 AM »
I recently had my performance review.  I'm in law enforcement and can retire at 47 with all my benefits.  I recently been tracking into crimes involving computers and have another training course on it at the end of the month.  It was all I could do not to laugh in my boss's face when he was going on about how my computer crime knowledge could translate into a second corporate career after I retire.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6066 on: March 02, 2019, 12:28:00 PM »
I recently had my performance review.  I'm in law enforcement and can retire at 47 with all my benefits.  I recently been tracking into crimes involving computers and have another training course on it at the end of the month.  It was all I could do not to laugh in my boss's face when he was going on about how my computer crime knowledge could translate into a second corporate career after I retire.

Well, he's correct. Those skills are not universal. and who knows, you may want a part time gig.

Freckles

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Re: Mustachian People Problems (just for fun)
« Reply #6067 on: March 02, 2019, 04:42:50 PM »
I'm envious. I just turned 47 and I am *not* retiring any time soon. I have to wait until 65 if I want all my benefits. Sigh.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6068 on: March 03, 2019, 08:41:49 AM »
I'm envious. I just turned 47 and I am *not* retiring any time soon. I have to wait until 65 if I want all my benefits. Sigh.

MMkay. How much do you really lose if you stop working?


Tempname23

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Re: Mustachian People Problems (just for fun)
« Reply #6069 on: March 03, 2019, 12:40:05 PM »
Barber posted a notice saying they are going to "modestly increase their prices."  A regular haircut went up in price by 25%!  Time to learn how to cut my own hair!  :P
My wife has been cutting my hair for (at least) 24 years, she does a good job, if I say so myself! :-)
 I have trimmed her hair, but I'm not so good :-(

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6070 on: March 03, 2019, 01:04:19 PM »
I just finished our taxes. DH still has to review, but we can only contribute a couple of hundred dollars each to our Roth IRAs. I thought we were flirting with the bottom end of the phase out, but it turns out we were aggressively pursuing the top end.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6071 on: March 04, 2019, 01:07:37 AM »
My wife has been cutting my hair for (at least) 24 years, she does a good job, if I say so myself! :-)
 I have trimmed her hair, but I'm not so good :-(

Are you my husband?

My DH has watched hair cutting videos and concludes that a female haircut does not look so difficult. But last time it was really not equally long on both sides. So my message is, compare the side length really often. Hairdressers often take hair from both sides of the head upward and compare the length of that. And then cut if to finish the layers.

RelaxedGal

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Re: Mustachian People Problems (just for fun)
« Reply #6072 on: March 04, 2019, 10:19:05 AM »
My kid is getting braces.  My MPP?  If I'd known in November I could have set up a dental FSA in addition to our HSA.  At that time the orthodontist said "come back in 3 months, wait and see, it will probably get better with this easy home remedy".  It's now 3 months later, growing in teeth did NOT cooperate, and I didn't open a dental FSA.

I mean, I still have the HSA, but I could have tax sheltered even MORE this year! :-P

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6073 on: March 05, 2019, 04:14:38 PM »
I just finished our taxes. DH still has to review, but we can only contribute a couple of hundred dollars each to our Roth IRAs. I thought we were flirting with the bottom end of the phase out, but it turns out we were aggressively pursuing the top end.

I decided to invest the money that had been set aside for my Roth IRA by buying Vanguard SP500 ETF in my Motif account. It has been a while since I had anything to add to taxable. This is the first time that I have done anything other than buy a few motifs and set up dividend reinvesting when it was introduced. I can only buy the shares in predetermined increments. When I told it to invest $5k, it told me "you have insufficient funds," so I put in less. Same answer. So it tried shares, rounding down to a whole number. Same answer. I finally noticed that the numbers popping up were a menu, rather than autocomplete. I can buy 1, 5, 10, or 15 shares. So I have to round down to an available option, then process another trade for 1 share and another and.... I am buying next day open, so these are commission free, but a PITA, nonetheless. This cannot be normal.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #6074 on: March 05, 2019, 05:10:07 PM »
I got a call today from someone who is retiring and who thinks I should interview for his open position, and is actively advocating for me with his boss. After reading the job description, I wouldn't have gone for it on my own because I don't think I meet all the qualifications. But as a friend helpfully pointed out, if the person who is currently doing the job and knows me thinks I can do it, it's probably just impostor syndrome saying I'm not qualified.

The problem is, there's no obvious reason why I wouldn't go for it, except that it's a job that'd be a lot harder to cut down to part-time if I wanted to semi-FIRE than my current one. But what 30-something is thinking semi-retirement?

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6075 on: March 06, 2019, 01:49:00 AM »
I got a call today from someone who is retiring and who thinks I should interview for his open position, and is actively advocating for me with his boss. After reading the job description, I wouldn't have gone for it on my own because I don't think I meet all the qualifications. But as a friend helpfully pointed out, if the person who is currently doing the job and knows me thinks I can do it, it's probably just impostor syndrome saying I'm not qualified.

The problem is, there's no obvious reason why I wouldn't go for it, except that it's a job that'd be a lot harder to cut down to part-time if I wanted to semi-FIRE than my current one. But what 30-something is thinking semi-retirement?

By the time you want to semi-retire you can always go back to that other job. Or so some part time consulting business by yourself.

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #6076 on: March 06, 2019, 06:44:56 AM »
I really enjoy doing our budget and taxes, etc.  I've mentioned this in other threads, but I love having things planned out, so thanks to mdm's CashFlow spreadsheet I know how much we owe for taxes this year even with my husband's side job income.  We've been putting aside ~25% of that income to cover our eventual tax bill, and made sure to increase the amount being taken out of our paychecks for taxes to give us some leeway.  Cool.  I've had everything ready to submit since like Feb 16th when Vanguard released their tax documents.

HOWEVER, (this is yet another MPP), DH and his sister receive quarterly income from a trust (which will be disbursed completely when SIL turns 30), which needs a 1099B and maybe another tax form that I can never remember.  They don't send that nonsense out until like effing APRIL.  So I'm sitting here, with my taxes thisclose to being finished, knowing almost exactly how much of that set-aside income we get to keep, but unable to split it between short term savings and Vanguard because I'm not absolutely 100% sure how much money we'll owe. 

Also, I'm having a baby sometime in the next 3 weeks, it'd be great to have this finished before then.  Not a chance.

10dollarsatatime

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Re: Mustachian People Problems (just for fun)
« Reply #6077 on: March 06, 2019, 04:30:16 PM »
Went to Bed Bath and Beyond yesterday with a gift card, intent on spending it and getting it out of my wallet.  Couldn't find anything I wanted.  Still have a gift card.  Will probably end up selling it.

The Fake Cheap

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Re: Mustachian People Problems (just for fun)
« Reply #6078 on: March 06, 2019, 05:47:35 PM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.  I've minimized my expenses by going to work, by working from home, my expenses can only go up!  For example, many people are saving big bucks by not driving their clown trucks and SUVs 30-45 minutes into work, that's roughly a $10 saving for them, for me, I do save gas on my reasonable small sedan, but maybe like $4.  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up!  They get to save money by not eating out at lunch time, me, I bring my lunch most days anyway, no new savings.  They can now make coffee at home, no more buying coffees on the way to work, me, I only buy 1 coffee a week, so I'm not saving there.  At least I'm enjoying the working from home part!

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #6079 on: March 06, 2019, 06:26:35 PM »
You forgot an obvious one....  now you are also paying for the toilet paper when you use the restroom!

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #6080 on: March 06, 2019, 06:33:15 PM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.  I've minimized my expenses by going to work, by working from home, my expenses can only go up!  For example, many people are saving big bucks by not driving their clown trucks and SUVs 30-45 minutes into work, that's roughly a $10 saving for them, for me, I do save gas on my reasonable small sedan, but maybe like $4.  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up!  They get to save money by not eating out at lunch time, me, I bring my lunch most days anyway, no new savings.  They can now make coffee at home, no more buying coffees on the way to work, me, I only buy 1 coffee a week, so I'm not saving there.  At least I'm enjoying the working from home part!
$4 is $4. And also since working from home my business to clothes last much longer and I've worn out several of my endless supply of shirts never to be worn past the mailbox freeing up some drawer space.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6081 on: March 07, 2019, 12:01:27 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.  I've minimized my expenses by going to work, by working from home, my expenses can only go up!  For example, many people are saving big bucks by not driving their clown trucks and SUVs 30-45 minutes into work, that's roughly a $10 saving for them, for me, I do save gas on my reasonable small sedan, but maybe like $4.  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up!  They get to save money by not eating out at lunch time, me, I bring my lunch most days anyway, no new savings.  They can now make coffee at home, no more buying coffees on the way to work, me, I only buy 1 coffee a week, so I'm not saving there.  At least I'm enjoying the working from home part!
Have you tried a fleece bodywarmer, possibly with the addition of thin fingerless gloves? Kepte warm on the colder evenings in my appartmnt5 at 15C.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6082 on: March 07, 2019, 12:44:03 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.  I've minimized my expenses by going to work, by working from home, my expenses can only go up!  For example, many people are saving big bucks by not driving their clown trucks and SUVs 30-45 minutes into work, that's roughly a $10 saving for them, for me, I do save gas on my reasonable small sedan, but maybe like $4.  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up!  They get to save money by not eating out at lunch time, me, I bring my lunch most days anyway, no new savings.  They can now make coffee at home, no more buying coffees on the way to work, me, I only buy 1 coffee a week, so I'm not saving there.  At least I'm enjoying the working from home part!
Have you tried a fleece bodywarmer, possibly with the addition of thin fingerless gloves? Kepte warm on the colder evenings in my appartmnt5 at 15C.

A woolen hat on your head also helps keeping your whole body warmer. At home, you could wear that, at least if you don't have to appear in web meetings with camera.

FIRE@50

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Re: Mustachian People Problems (just for fun)
« Reply #6083 on: March 07, 2019, 07:45:10 AM »
Went to Bed Bath and Beyond yesterday with a gift card, intent on spending it and getting it out of my wallet.  Couldn't find anything I wanted.  Still have a gift card.  Will probably end up selling it.
I've done this many times. I once had a TJ Maxx gift card for months. Every time I went there even the clearance socks and underwear seemed too overpriced to buy even with someone else's money.

meerkat

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Re: Mustachian People Problems (just for fun)
« Reply #6084 on: March 07, 2019, 08:08:07 AM »
Went to Bed Bath and Beyond yesterday with a gift card, intent on spending it and getting it out of my wallet.  Couldn't find anything I wanted.  Still have a gift card.  Will probably end up selling it.

I finally just used one that I've had for almost a year. They do have a minimum spend on shipping if you order online and I didn't see a ship-to-store option which I think is a big oversight but they did make up for it by including return materials in the shipment itself when I finally did make an order. They had a shipping sticker and a slip of paper I filled out in less than a minute (I ordered two things because I which I would like better without seeing them in person). I also ordered bath crayons for the kiddo because they're consumable and will be used eventually.

Alternately, keep it around till December and gift it to someone else?

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6085 on: March 07, 2019, 08:15:36 AM »
Went to Bed Bath and Beyond yesterday with a gift card, intent on spending it and getting it out of my wallet.  Couldn't find anything I wanted.  Still have a gift card.  Will probably end up selling it.

I finally just used one that I've had for almost a year. They do have a minimum spend on shipping if you order online and I didn't see a ship-to-store option which I think is a big oversight but they did make up for it by including return materials in the shipment itself when I finally did make an order. They had a shipping sticker and a slip of paper I filled out in less than a minute (I ordered two things because I which I would like better without seeing them in person). I also ordered bath crayons for the kiddo because they're consumable and will be used eventually.

Alternately, keep it around till December and gift it to someone else?
FYI you can use BBB gift cards at Cost Plus World Market, buybuy BABY, and Harmon Face Values.  Maybe not much cheaper but at least it expands your options.  I find that BBB prices are pretty typical AFTER the obligatory 20% off coupon.  Cost plus can sometimes have decent prices on wine and beer.

PhrugalPhan

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Re: Mustachian People Problems (just for fun)
« Reply #6086 on: March 07, 2019, 08:56:13 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.  I've minimized my expenses by going to work, by working from home, my expenses can only go up!  For example, many people are saving big bucks by not driving their clown trucks and SUVs 30-45 minutes into work, that's roughly a $10 saving for them, for me, I do save gas on my reasonable small sedan, but maybe like $4.  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up!  They get to save money by not eating out at lunch time, me, I bring my lunch most days anyway, no new savings.  They can now make coffee at home, no more buying coffees on the way to work, me, I only buy 1 coffee a week, so I'm not saving there.  At least I'm enjoying the working from home part!
Have you tried a fleece bodywarmer, possibly with the addition of thin fingerless gloves? Kepte warm on the colder evenings in my appartmnt5 at 15C.

A woolen hat on your head also helps keeping your whole body warmer. At home, you could wear that, at least if you don't have to appear in web meetings with camera.
I use a portable room heater when I work from home in the winter. Its the electric oil radiator type.  This room is warm while the rest of the house is cooler.  Pick them up at summer yard sales for around $5.  I have three of them to use as needed (though one is sufficient for a single room).  They also work well for drying clothes - I do my wash first thing on a telework day, let the clothes dry on a drying rack, and over the day cycle clothes on it to dry.  Also helps to humidify the air.

Aelias

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Re: Mustachian People Problems (just for fun)
« Reply #6087 on: March 07, 2019, 09:41:08 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.   . . .  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up! 

Friend - use this as an opportunity to flex some stoic muscle and practice voluntary discomfort.

I work from home 1-2 days a week generally.  We keep our house at 58 while we're there, 54 while we're not (14 / 12 C respectively).  So, it's cold -- sometimes uncomfortably cold.  But your body can and will adjust.  I remember I had to work from home for a whole week during some bad winter weather last year.  Day 1, I was very cold.  Day 2, I was pretty cold but better.  Day 3, I was fine.

In addition to all the good advice from others, I will add: sipping hot water, fingerless gloves, good wool socks, occasional jumping jacks




Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6088 on: March 07, 2019, 10:38:45 AM »
Went to Bed Bath and Beyond yesterday with a gift card, intent on spending it and getting it out of my wallet.  Couldn't find anything I wanted.  Still have a gift card.  Will probably end up selling it.

Similar problem. Lowes card. Thought WTH I'll buy an instant pot except they don't sell them at our store. Still have the gift card. Will need to dream up another thing that I want except there really isn't anything else I want there. Will keep until our spring cleanup outside. Surely we'll need something for the yard.

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6089 on: March 07, 2019, 10:43:27 AM »
I work from home 1-2 days a week generally.  We keep our house at 58 while we're there, 54 while we're not (14 / 12 C respectively).  So, it's cold -- sometimes uncomfortably cold.  But your body can and will adjust.  I remember I had to work from home for a whole week during some bad winter weather last year.  Day 1, I was very cold.  Day 2, I was pretty cold but better.  Day 3, I was fine.

In addition to all the good advice from others, I will add: sipping hot water, fingerless gloves, good wool socks, occasional jumping jacks

Got a spare dog or cat to sit with? Mine is currently laying close enough to my feet that I can feel heat radiating off of her.

The Fake Cheap

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Re: Mustachian People Problems (just for fun)
« Reply #6090 on: March 07, 2019, 04:09:45 PM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.   . . .  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up! 

Friend - use this as an opportunity to flex some stoic muscle and practice voluntary discomfort.

I work from home 1-2 days a week generally.  We keep our house at 58 while we're there, 54 while we're not (14 / 12 C respectively).  So, it's cold -- sometimes uncomfortably cold.  But your body can and will adjust.  I remember I had to work from home for a whole week during some bad winter weather last year.  Day 1, I was very cold.  Day 2, I was pretty cold but better.  Day 3, I was fine.

In addition to all the good advice from others, I will add: sipping hot water, fingerless gloves, good wool socks, occasional jumping jacks

Thanks for the suggestions everyone.  I typically wear sweatpants and a t-shirt and a hoodie, with the hood up on my head, and sometimes my bathrobe over that.  I drink coffee which does help, but it's not really something I can drink all day, I might give the warm water a shot, the fingerless gloves may also be a good suggestion.  I'll give it a go during my next work from home session.

NorthernMonkey

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Re: Mustachian People Problems (just for fun)
« Reply #6091 on: March 08, 2019, 01:53:19 AM »
An electric heat pad might help. Ive got one about 15" by 10", which uses almost no electricity.

I put it on my chair and sit on it.

Its much more efficient to heat yourself directly than to heat a whole room.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6092 on: March 08, 2019, 05:09:35 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.   . . .  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up! 

Friend - use this as an opportunity to flex some stoic muscle and practice voluntary discomfort.

I work from home 1-2 days a week generally.  We keep our house at 58 while we're there, 54 while we're not (14 / 12 C respectively).  So, it's cold -- sometimes uncomfortably cold.  But your body can and will adjust.  I remember I had to work from home for a whole week during some bad winter weather last year.  Day 1, I was very cold.  Day 2, I was pretty cold but better.  Day 3, I was fine.

In addition to all the good advice from others, I will add: sipping hot water, fingerless gloves, good wool socks, occasional jumping jacks

Thanks for the suggestions everyone.  I typically wear sweatpants and a t-shirt and a hoodie, with the hood up on my head, and sometimes my bathrobe over that.  I drink coffee which does help, but it's not really something I can drink all day, I might give the warm water a shot, the fingerless gloves may also be a good suggestion.  I'll give it a go during my next work from home session.

Warm water = tea. You can even drink green tea, or herb tea, that isn't real tea.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6093 on: March 08, 2019, 05:57:05 AM »
Warm water = tea. You can even drink green tea, or herb tea, that isn't real tea.
It is tea. it is just tea not made out of the plant we call tea.
But everything hot water + leafs, where you use the greens for flavor and not to "eat" them is tea.
Herbal tea is, like the name says, just a subcategory of tea.

Yeah, I know, I am a bit fickly about this one thing. :D

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6094 on: March 08, 2019, 06:05:35 AM »
My work recently started a work from home program.  You can only work 2 days per week from home.  Most people are saving a lot of money by doing this, sadly I am not.   . . .  They get to enjoy actually using the heat they left on all day at 20 while they were at work.  I tired working with no extra heat (turn down to 18 normally in the house (we have a minisplit) and was always off in my office) but the best I could do was turn in on for an hour then off for an hour, etc, so my power bill will only go up! 

Friend - use this as an opportunity to flex some stoic muscle and practice voluntary discomfort.

I work from home 1-2 days a week generally.  We keep our house at 58 while we're there, 54 while we're not (14 / 12 C respectively).  So, it's cold -- sometimes uncomfortably cold.  But your body can and will adjust.  I remember I had to work from home for a whole week during some bad winter weather last year.  Day 1, I was very cold.  Day 2, I was pretty cold but better.  Day 3, I was fine.

In addition to all the good advice from others, I will add: sipping hot water, fingerless gloves, good wool socks, occasional jumping jacks

Thanks for the suggestions everyone.  I typically wear sweatpants and a t-shirt and a hoodie, with the hood up on my head, and sometimes my bathrobe over that.  I drink coffee which does help, but it's not really something I can drink all day, I might give the warm water a shot, the fingerless gloves may also be a good suggestion.  I'll give it a go during my next work from home session.

Warm water = tea. You can even drink green tea, or herb tea, that isn't real tea.

My wife drinks boiled water without leaves too, still calls it tea :P She's also a big fan of 2nd hand tea-bags. She'd make me tea and then re-use the bag in hers. My grandfather did that too, though he dried the tea-bags on a line between uses :s

merula

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Re: Mustachian People Problems (just for fun)
« Reply #6095 on: March 08, 2019, 06:59:55 AM »
It is tea. it is just tea not made out of the plant we call tea.
But everything hot water + leafs, where you use the greens for flavor and not to "eat" them is tea.
Herbal tea is, like the name says, just a subcategory of tea.

Yeah, I know, I am a bit fickly about this one thing. :D

Seems odd to me that someone so finicky would be unfamiliar with the word tisane. If "tea" does not specifically refer to one plant, then there is no word for that specific kind of hot leaf water that makes up the overwhelming majority of hot leaf water enjoyed worldwide.

Also, British English is much more strict about tea versus tisane, and that is the dialect that Linda speaks and writes in.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #6096 on: March 08, 2019, 07:41:14 AM »
It is tea. it is just tea not made out of the plant we call tea.
But everything hot water + leafs, where you use the greens for flavor and not to "eat" them is tea.
Herbal tea is, like the name says, just a subcategory of tea.

Yeah, I know, I am a bit fickly about this one thing. :D

Seems odd to me that someone so finicky would be unfamiliar with the word tisane. If "tea" does not specifically refer to one plant, then there is no word for that specific kind of hot leaf water that makes up the overwhelming majority of hot leaf water enjoyed worldwide.

Also, British English is much more strict about tea versus tisane, and that is the dialect that Linda speaks and writes in.

+1  I speak American English, and while I colloquially refer to herbal 'teas', the proper term, if you're going to be finicky, is tisane.  "Tea" does, in fact, refer to the tea plant specifically, and herbal 'tea' is not really tea.  Just like you wouldn't call brewed chocolate nibs 'coffee' because it's all just bean-water.  Incidentally, a tisane doesn't have to be made of the leaf of the plant, berries, seeds, bark, etc are also used (e.g. rosehips, cinnamon, allspice)

AnnaGrowsAMustache

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Re: Mustachian People Problems (just for fun)
« Reply #6097 on: March 08, 2019, 10:19:36 AM »
It is tea. it is just tea not made out of the plant we call tea.
But everything hot water + leafs, where you use the greens for flavor and not to "eat" them is tea.
Herbal tea is, like the name says, just a subcategory of tea.

Yeah, I know, I am a bit fickly about this one thing. :D

Seems odd to me that someone so finicky would be unfamiliar with the word tisane. If "tea" does not specifically refer to one plant, then there is no word for that specific kind of hot leaf water that makes up the overwhelming majority of hot leaf water enjoyed worldwide.

Also, British English is much more strict about tea versus tisane, and that is the dialect that Linda speaks and writes in.

+1  I speak American English, and while I colloquially refer to herbal 'teas', the proper term, if you're going to be finicky, is tisane.  "Tea" does, in fact, refer to the tea plant specifically, and herbal 'tea' is not really tea.  Just like you wouldn't call brewed chocolate nibs 'coffee' because it's all just bean-water.  Incidentally, a tisane doesn't have to be made of the leaf of the plant, berries, seeds, bark, etc are also used (e.g. rosehips, cinnamon, allspice)

Lol. Just call it all an infusion and be done with it. I'll be over here with my bean-water giggling.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #6098 on: March 08, 2019, 01:00:28 PM »
Incidentally, a tisane doesn't have to be made of the leaf of the plant, berries, seeds, bark, etc are also used (e.g. rosehips, cinnamon, allspice)

I hereby retract my incorrect use of "hot leaf water".

Lol. Just call it all an infusion and be done with it. I'll be over here with my bean-water giggling.

Where is the distinction between infusions and bean-water, anyway, if seeds like cardamom and nutmeg make infusions and coffee beans are actually seeds? :P

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6099 on: March 08, 2019, 01:08:17 PM »
Incidentally, a tisane doesn't have to be made of the leaf of the plant, berries, seeds, bark, etc are also used (e.g. rosehips, cinnamon, allspice)

I hereby retract my incorrect use of "hot leaf water".

Lol. Just call it all an infusion and be done with it. I'll be over here with my bean-water giggling.

Where is the distinction between infusions and bean-water, anyway, if seeds like cardamom and nutmeg make infusions and coffee beans are actually seeds? :P

I like my water orange and foamy.