Author Topic: Mustachian People Problems (just for fun)  (Read 3690920 times)

solon

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Re: Mustachian People Problems (just for fun)
« Reply #6400 on: June 17, 2019, 08:00:48 AM »
So, I use a brand of shampoo which is anti-dandruff and not too expensive. It's hard to come by and the only local shop which had it at a reasonable price went out of business. So, my supply ran out and I googled. Found a webshop which sells smaller bottles for €1,- each (still cheaper than the shop) so I wanted to buy 10.
As I got to the checkout page, I noted €6,75 shipping. Damn, now it's more expensive than the shop. So I poked around a bit and appearently you can get free shipping on orders over €35,-. Since they didn't have anything else I needed, I'm now stuck with 35 bottles of shampoo :D
Maybe you could resell it on ebay for a profit, no more MPP

@Alfred J Quack , you just might be taking this whole minimize your expenses idea a bit too far...    Chill.    Relax.   

Either turn it into a business that makes enough to be worth your time doing it or just let little things like this go.

No, keep it up, Quack. I frequently buy in bulk to get the discount, especially if it's something I know will keep. I don't think you're taking it too far. I think SwordGuy may have lost the sense of light-heartedness an MPP brings with it.
You realise you have now pretty much guaranteed that you'll go bald in the next few months?

Then I won't have to buy any more shampoo! Win!

Cadman

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Re: Mustachian People Problems (just for fun)
« Reply #6401 on: June 17, 2019, 08:10:54 AM »
On the hot-water geothermal situation, obviously the cheapest solution is not to run the heat pump at all, but if you're already cooling the house, not only is the hot water free, it actually improves the efficiency of primary cooling, so it's better than free!

During house heating, there would be some loss of efficiency to heat water, but it should pencil out cheaper than electric or gas.

I have yet to connect my desuperheater as it's a 100'+ run to get to our water heater, and we don't run the heatpump often enough to justify it.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6402 on: June 17, 2019, 08:19:35 AM »
So, I use a brand of shampoo which is anti-dandruff and not too expensive. It's hard to come by and the only local shop which had it at a reasonable price went out of business. So, my supply ran out and I googled. Found a webshop which sells smaller bottles for €1,- each (still cheaper than the shop) so I wanted to buy 10.
As I got to the checkout page, I noted €6,75 shipping. Damn, now it's more expensive than the shop. So I poked around a bit and appearently you can get free shipping on orders over €35,-. Since they didn't have anything else I needed, I'm now stuck with 35 bottles of shampoo :D
Maybe you could resell it on ebay for a profit, no more MPP

@Alfred J Quack , you just might be taking this whole minimize your expenses idea a bit too far...    Chill.    Relax.   

Either turn it into a business that makes enough to be worth your time doing it or just let little things like this go.

No, keep it up, Quack. I frequently buy in bulk to get the discount, especially if it's something I know will keep. I don't think you're taking it too far. I think SwordGuy may have lost the sense of light-heartedness an MPP brings with it.

Maybe?   

For us that would be more than a 10 year supply of something that might or might not be any good in 10 years.  Plus I would have to find someplace to store the unused bottles for that time period.  Now, take that same buy in bulk concept and extend it to other items and you'll need a bigger house to store all the stuff that's going stale until you use it!



solon

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Re: Mustachian People Problems (just for fun)
« Reply #6403 on: June 17, 2019, 08:39:24 AM »
So, I use a brand of shampoo which is anti-dandruff and not too expensive. It's hard to come by and the only local shop which had it at a reasonable price went out of business. So, my supply ran out and I googled. Found a webshop which sells smaller bottles for €1,- each (still cheaper than the shop) so I wanted to buy 10.
As I got to the checkout page, I noted €6,75 shipping. Damn, now it's more expensive than the shop. So I poked around a bit and appearently you can get free shipping on orders over €35,-. Since they didn't have anything else I needed, I'm now stuck with 35 bottles of shampoo :D
Maybe you could resell it on ebay for a profit, no more MPP

@Alfred J Quack , you just might be taking this whole minimize your expenses idea a bit too far...    Chill.    Relax.   

Either turn it into a business that makes enough to be worth your time doing it or just let little things like this go.

No, keep it up, Quack. I frequently buy in bulk to get the discount, especially if it's something I know will keep. I don't think you're taking it too far. I think SwordGuy may have lost the sense of light-heartedness an MPP brings with it.

Maybe?   

For us that would be more than a 10 year supply of something that might or might not be any good in 10 years.  Plus I would have to find someplace to store the unused bottles for that time period.  Now, take that same buy in bulk concept and extend it to other items and you'll need a bigger house to store all the stuff that's going stale until you use it!

plurality should not be posited without necessity Keep it simple. Quack didn't mention a rate at which he uses shampoo. We should assume he didn't buy more than he can use before it goes bad.

He mentioned the bottles cost €1, so it seems like they are smaller bottles.

I bought a 10 year supply of razor blades. They take up one small corner of my bathroom drawer. Didn't have to build an addition.

Also, these are MPPs - a close cousin of First World Problems. We're supposed to laugh at our own silliness and move on.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6404 on: June 17, 2019, 08:48:13 AM »
So, I use a brand of shampoo which is anti-dandruff and not too expensive. It's hard to come by and the only local shop which had it at a reasonable price went out of business. So, my supply ran out and I googled. Found a webshop which sells smaller bottles for €1,- each (still cheaper than the shop) so I wanted to buy 10.
As I got to the checkout page, I noted €6,75 shipping. Damn, now it's more expensive than the shop. So I poked around a bit and appearently you can get free shipping on orders over €35,-. Since they didn't have anything else I needed, I'm now stuck with 35 bottles of shampoo :D
Maybe you could resell it on ebay for a profit, no more MPP

@Alfred J Quack , you just might be taking this whole minimize your expenses idea a bit too far...    Chill.    Relax.   

Either turn it into a business that makes enough to be worth your time doing it or just let little things like this go.

 My local store that carried Boraxo Hand soap closed, no one else in town carried it. I called the company and told the rep, she said let me check and came back with you're right, no one in your city sells it anymore.
 So I found it online, but had to order more than I needed, I have a friend that does mechanical work, I split the order with him.
Since then I switched to the 5lb boxes vs individual containers. I made my own refillable container from an empty almond container.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6405 on: June 17, 2019, 08:56:34 AM »
So, I use a brand of shampoo which is anti-dandruff and not too expensive. It's hard to come by and the only local shop which had it at a reasonable price went out of business. So, my supply ran out and I googled. Found a webshop which sells smaller bottles for €1,- each (still cheaper than the shop) so I wanted to buy 10.
As I got to the checkout page, I noted €6,75 shipping. Damn, now it's more expensive than the shop. So I poked around a bit and appearently you can get free shipping on orders over €35,-. Since they didn't have anything else I needed, I'm now stuck with 35 bottles of shampoo :D
Maybe you could resell it on ebay for a profit, no more MPP

@Alfred J Quack , you just might be taking this whole minimize your expenses idea a bit too far...    Chill.    Relax.   

Either turn it into a business that makes enough to be worth your time doing it or just let little things like this go.

No, keep it up, Quack. I frequently buy in bulk to get the discount, especially if it's something I know will keep. I don't think you're taking it too far. I think SwordGuy may have lost the sense of light-heartedness an MPP brings with it.

Maybe?   

For us that would be more than a 10 year supply of something that might or might not be any good in 10 years.  Plus I would have to find someplace to store the unused bottles for that time period.  Now, take that same buy in bulk concept and extend it to other items and you'll need a bigger house to store all the stuff that's going stale until you use it!

plurality should not be posited without necessity Keep it simple. Quack didn't mention a rate at which he uses shampoo. We should assume he didn't buy more than he can use before it goes bad.

He mentioned the bottles cost €1, so it seems like they are smaller bottles.

I bought a 10 year supply of razor blades. They take up one small corner of my bathroom drawer. Didn't have to build an addition.

Also, these are MPPs - a close cousin of First World Problems. We're supposed to laugh at our own silliness and move on.

The new bottles are 250ml vs the older 400ml. Keeping the 400ml 1 year has led to no problems so this amount will take 2 to 3 years minimum to use.

Unfortunately, baldness does not negate the dandruff for the hair I have left. I shorten it with electric clippers every few weeks to 3mm.

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6406 on: June 17, 2019, 10:54:01 AM »
Or... Maybe it's because they think they're gonna die in the event of a crash. https://youtu.be/xidhx_f-ouU

What did they do? Did they pull out a 1998 museum Corolla for the crash test? That car looked really clean. What a shame.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6407 on: June 17, 2019, 11:42:23 AM »

plurality should not be posited without necessity
Ok but I’m pretty sure Alfred is a compound entity/hive mind type situation

solon

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Re: Mustachian People Problems (just for fun)
« Reply #6408 on: June 17, 2019, 11:54:25 AM »

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6409 on: June 17, 2019, 12:08:37 PM »


More like Unity, but who will be my Rick?

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #6410 on: June 18, 2019, 05:04:47 AM »
In my company we just passed the deadline to ask to be fired voluntarily. It would have given me 9 months of salary and not having to work during the 3 months notification period. That would have been a great start of my FIRE project. Unfortunately it wasn’t for the part of the company in which I work, as we constantly hire people.
I got one of those once, got paid 6 months for leaving.  The company was going a bit crazy and I jumped on that!  I'd probably be earning more now if I had stayed, but in a totally different department than either one I had worked in before, I am glad I had the chance to jump when I did.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #6411 on: June 18, 2019, 05:05:40 AM »
On the hot-water geothermal situation, obviously the cheapest solution is not to run the heat pump at all, but if you're already cooling the house, not only is the hot water free, it actually improves the efficiency of primary cooling, so it's better than free!

During house heating, there would be some loss of efficiency to heat water, but it should pencil out cheaper than electric or gas.

I have yet to connect my desuperheater as it's a 100'+ run to get to our water heater, and we don't run the heatpump often enough to justify it.
Ha ha ha!  We have the geothermal with the desupraheater, and honestly I love it!  Well, in the summer and winter I love it.  Fall and spring much less so as the water isn't as hot then.

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6412 on: June 18, 2019, 05:37:48 AM »
In my company we just passed the deadline to ask to be fired voluntarily. It would have given me 9 months of salary and not having to work during the 3 months notification period. That would have been a great start of my FIRE project. Unfortunately it wasn’t for the part of the company in which I work, as we constantly hire people.

This happened at my company last year too, they were asking older employees for voluntary rietirement -- but not in my department. I'm still a little bitter (just kidding lol)

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #6413 on: June 18, 2019, 08:12:34 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year. 

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6414 on: June 18, 2019, 08:25:59 AM »
I don't like to shop. Other people like to shop for sport and entertainment. For us its a chore. The ACME APPLIANCE wore out? Dang - now I have to go shop...

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6415 on: June 20, 2019, 09:45:12 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #6416 on: June 20, 2019, 10:01:32 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

TVRodriguez

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Re: Mustachian People Problems (just for fun)
« Reply #6417 on: June 20, 2019, 11:04:14 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

Also, check with your phone company.  Ours gives us the option to block all incoming calls or block all incoming calls except those from about a dozen specific numbers that we provided them.  This came in very handy during campaign periods when pollsters were calling us multiple times per day (this happens a LOT in Florida). 

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6418 on: June 20, 2019, 11:09:01 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

All the con artists and many businesses pay absolutely no attention to that list.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6419 on: June 20, 2019, 11:49:13 AM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

All the con artists and many businesses pay absolutely no attention to that list.

Which is why such a list should be mandatory and fines if they ignore the list. Works great in my country and a company who bypasses it is either suspect or prone to very large fines.

CptCool

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Re: Mustachian People Problems (just for fun)
« Reply #6420 on: June 20, 2019, 12:28:59 PM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

All the con artists and many businesses pay absolutely no attention to that list.

Con artists you can't do much about as it's hard to serve them. If it's a business you should absolutely talk to a lawyer about it as the business is fined and you get compensation per occurrence. Make sure you haven't explicitly opted in for whatever business to give permission for them to call you - sometimes this is quite sneaky in their terms you agree to

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #6421 on: June 20, 2019, 01:30:11 PM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

All the con artists and many businesses pay absolutely no attention to that list.

I've been on the list since 2007.  Not that helpful.  I don't think scammers really care if they are breaking the rules.

 I haven't found a way of blocking calls for a landline, but I"ll do some more looking. 

stoaX

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Re: Mustachian People Problems (just for fun)
« Reply #6422 on: June 20, 2019, 04:49:22 PM »
Now that I am FIREd I am home during the days.  We still have a landline and it rings, a lot.  So many robo calls, scams and junk.  It was different to just delete the answering machines in the evenings.  I think our ACA insurance company leaked our info, we get calls pretending to be them about 4 times a day now.  UGH. 

We could get rid of the line, but I like having it and it is free for the next year.

My sister just applied a new anti-robo call thing to all the family phones, and it's made a huge impact for my parents. Not sure what it was, but do a bit of research and give it a try.

https://www.donotcall.gov/

All the con artists and many businesses pay absolutely no attention to that list.

I've been on the list since 2007.  Not that helpful.  I don't think scammers really care if they are breaking the rules.

 I haven't found a way of blocking calls for a landline, but I"ll do some more looking.


"nomorobo" is a service that some landline carriers provide for free to their customers.  It's worth inquiring about.

Roadrunner53

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Re: Mustachian People Problems (just for fun)
« Reply #6423 on: June 25, 2019, 08:54:08 AM »
I have NOMOROBO and it is good, however, one ring still comes thru which is annoying. The problem is that these scammers just keep changing their phone numbers so it is impossible to NOT to get phone calls. I still get tons of them coming thru. All fake called ID's. Supposedly from all over the country. It is beyond annoying and has been going on for at least 8 years. I have tried to be nice and ask for them to take my name off their list and they just hang up. Oh, yeah, real legit company that would do that.

I like the one where I get a call from 'Microsoft' and they SEE I have a problem with my operating system and they will help me fix it. I have told these JERKS that they are scammers and the guy tries to convince me it is legit. HAHAHAHAHA! Yeah, and I just arrived off the turnip truck too!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6424 on: June 25, 2019, 11:35:01 AM »
I was about to suggest MRNUMBER because it was doing very well for free.  But I just got a notice that they require a paid subscription now... sigh.. might try robo but perhaps I’ll end up coding my own app.  All I really want is to easily block all numbers in my area code, but my phone would make me manually enter all those numbers

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #6425 on: June 27, 2019, 05:50:12 PM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6426 on: June 27, 2019, 06:00:11 PM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #6427 on: June 28, 2019, 05:45:27 AM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.
It will disappear much more quickly if the sign says "For sale $50"....

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6428 on: June 28, 2019, 06:02:48 AM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.
It will disappear much more quickly if the sign says "For sale $50"....
I like the way you think, PhilB!

Slow&Steady

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Re: Mustachian People Problems (just for fun)
« Reply #6429 on: June 28, 2019, 06:58:52 AM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.

Have you called Goodwill/Salvation Army?  In some cities they will schedule pickups from your house.

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #6430 on: June 28, 2019, 07:07:17 AM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.
Yes, tried all the above, except FB (i don't use social media). It is a safe, recent model, no recalls. Have tried to pass it on for free, didn't happen.
Can't put it on the curb/kerb in the neighborhood. We don't have an HOA, but we had a recent spate of robberies when neighbors were leaving free stuff curbside. Hence we decided to stop, with the advice of the local police.
Don't want it going into landfill, never. We try to minimize this. The reseller store (once upon a child) doesn't accept cribs/bedding.
Was just told that a hospice store by my dad's house might be accepting, so will give that a shot before I give it to Goodwill.

@SlowAndSteady No pickups in my area, unless it's actual furniture. Baby furniture doesn't count :-(

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6431 on: June 28, 2019, 08:04:40 AM »
My DH has a bank account in an internet only bank, that doesn't charge you for anything. Some years ago they had the highest interest on normal bank account and higest interest on high interest savings account. They also have a credit card that used to give good cashback until last year. And it has a good travel insurance, like covering up to 1200$ of your own share in rental car crashes. For all these reasons he was at this bank, being a Mustachian person.

The bank has been doing some unfortunate things, like changing the general cashback for some silly discounts for stuff we don't use. Also, they stopped making it possible to receive a foreign payment. And they do no longer provide an electronic login code brick. DH had started to dislike them but hadn't taken any action yet.
Some time ago the bank informed him that it was now possible to pay bills by credit card. In small writing it said that 20% interest would run from day 1. DH just took that as information not relevant to him, because he always has lot of money on his normal account.
Recently he paid 2 large bills that had to be paid manually, 850$ in total. Paid them in his internet bank. Next month, he received his credit card bill. That bill is very high, because it contains those 2 payments. DH thought he must have made a mistake somehow and by accident had paid them by credit card. He logs on to his internet account and pays the CC bill.
Some time later he receives an SMS that he didn't pay his CC bill on time. He is shocked and logs on to his account again. After investigation, he found out that the had paid his CC bill from his CC account, which is now 1700$ in minus.
He also discovers that his account has a list of accounts you can to pay your bills from. The default value in this list has become his credit card account, not his normal bank account. He calls the bank and asks if they can change the default value. No, the girl on the phone can't. DH cannot change it himself either. That means that for each payment he does in his internet bank, he must choose the correct account, or 20% interest will run.. It is his bank that changed the default value without informing him.

DH is finally pissed off enough to now switch banks. That is about time. He also wrote a complaint to the bank about this credit card bill. He doesn't want to pay the 12$ interest he was charged. I hope he will also take it further to some comsumer organization. We have one in particular for banks that I used before to complain about this bank.

DH was looking around for other banks with high interest. Finds 2 that he wants to become customer off. He tries to open an account, and is asked for his electronic log in brick. He currently doesn't have one, because he uses his phone to log in. But you cannot open a bank account without one of those.
DH also has a slumbering account in my internet only bank. He could enter his account by phone. He even found out hecstill had 80$ on the savings account. He would only have to contact this bank to ask for a normal bank card and that would be all. But this bank doesn't have the highest interest. So he doesn't want to request a paid card from them, he would rather have one of the other hig interest banks. Somehow he is in an impasse where he needs an electronic brick (only available in the big, not cheap banks) to open an accpunt in a small, cheap, high interest bank.

Things tend to go a lot better if I pay our bills...

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #6432 on: June 28, 2019, 09:18:26 AM »
My DH has a bank account in

WOW! That sounds like a nightmare! I really hope you get all the fees back from that bank!  Those are certainly some predatory things they have done.  The simple fact that they 1) changed your default payment method and 2) somehow allow you to make a payment to and from the SAME credit card account, which someone incurs fees is asinine!

If it were me, I'd probably be pissed enough to threaten legal action if they didn't immediately reverse all interest and charges. Then I would close all accounts at that institution.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6433 on: June 28, 2019, 12:39:31 PM »
My DH has a bank account in

WOW! That sounds like a nightmare! I really hope you get all the fees back from that bank!  Those are certainly some predatory things they have done.  The simple fact that they 1) changed your default payment method and 2) somehow allow you to make a payment to and from the SAME credit card account, which someone incurs fees is asinine!

If it were me, I'd probably be pissed enough to threaten legal action if they didn't immediately reverse all interest and charges. Then I would close all accounts at that institution.

Maybe start by just closing the credit card account while you shop for a new bank.  Without good reward you probably don’t use it much and that way it can’t be accidentally used as bill payment.

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Re: Mustachian People Problems (just for fun)
« Reply #6434 on: June 28, 2019, 12:41:30 PM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.
Yes, tried all the above, except FB (i don't use social media). It is a safe, recent model, no recalls. Have tried to pass it on for free, didn't happen.
Can't put it on the curb/kerb in the neighborhood. We don't have an HOA, but we had a recent spate of robberies when neighbors were leaving free stuff curbside. Hence we decided to stop, with the advice of the local police.
Don't want it going into landfill, never. We try to minimize this. The reseller store (once upon a child) doesn't accept cribs/bedding.
Was just told that a hospice store by my dad's house might be accepting, so will give that a shot before I give it to Goodwill.

@SlowAndSteady No pickups in my area, unless it's actual furniture. Baby furniture doesn't count :-(

Not sure which prices you have set, but I’ve heard free stuff is often ignored and to try something small like $5-10.  If you’re really serious, hang out at a baby store and be like “hey, pssst.  You wanna free crib?”

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #6435 on: June 28, 2019, 01:28:57 PM »
trying to give away a solid wood crib in like-new condition with a spring mattress. dropped it to free and no takers, in a large metro. I'm too lazy to haul it to Goodwill/SalvationArmy in the summer. FWP, MPP.
Have you tried NextDoor, freestyle, and FB? Cribs and car seats have expiration dates and potential liability. If you're sure it's safe, find someone you can pass it to directly. Also consider orgs that help families in crisis. Finally, there's a popular hack of using old cribs to make drying racks. Pass it on to someone who will repurpose it. He'll, put it out on the curb with a free sign if all else fails.

It is not the way of the mustachian to let perfectly serviceable goods find their way into the landfill.

Being this particular kind of "lazy" (quoting you) is not an MPP, IMO.
Yes, tried all the above, except FB (i don't use social media). It is a safe, recent model, no recalls. Have tried to pass it on for free, didn't happen.
Can't put it on the curb/kerb in the neighborhood. We don't have an HOA, but we had a recent spate of robberies when neighbors were leaving free stuff curbside. Hence we decided to stop, with the advice of the local police.
Don't want it going into landfill, never. We try to minimize this. The reseller store (once upon a child) doesn't accept cribs/bedding.
Was just told that a hospice store by my dad's house might be accepting, so will give that a shot before I give it to Goodwill.

@SlowAndSteady No pickups in my area, unless it's actual furniture. Baby furniture doesn't count :-(

Not sure which prices you have set, but I’ve heard free stuff is often ignored and to try something small like $5-10.  If you’re really serious, hang out at a baby store and be like “hey, pssst.  You wanna free crib?”
Agree wholeheartedly. We were getting rid of stuff from our flip house and noticed this phenomenon, so we started charging miniscule amounts of money. That $5000 custom Anderson door? Yup, we sold it for $100. We'd have given it away, but a little skin in the game brings out serious parties, not just people who scoop up anything that's free. Or ask for it and then never show up. Great suggestion/reminder, dragoncar!

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6436 on: June 29, 2019, 01:27:16 AM »
My DH has a bank account in

WOW! That sounds like a nightmare! I really hope you get all the fees back from that bank!  Those are certainly some predatory things they have done.  The simple fact that they 1) changed your default payment method and 2) somehow allow you to make a payment to and from the SAME credit card account, which someone incurs fees is asinine!

If it were me, I'd probably be pissed enough to threaten legal action if they didn't immediately reverse all interest and charges. Then I would close all accounts at that institution.

Maybe start by just closing the credit card account while you shop for a new bank.  Without good reward you probably don’t use it much and that way it can’t be accidentally used as bill payment.

Yes, I told him to keep the high interest account in his current sucka bank. And close the normal bank account and the credit card. And the open another credit card at some company where you can put the payments on automatic pay, like DH's bank does not support either. Two of my credit cards support this and I never have to think about it. Then he can use my bank, where he already owns an account to get his salary and pay bills. My bank has had the highest customer contentment rating for several years.
« Last Edit: June 29, 2019, 01:29:00 AM by Linea_Norway »

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6437 on: June 29, 2019, 06:02:40 AM »
Agree wholeheartedly. We were getting rid of stuff from our flip house and noticed this phenomenon, so we started charging miniscule amounts of money. That $5000 custom Anderson door? Yup, we sold it for $100. We'd have given it away, but a little skin in the game brings out serious parties, not just people who scoop up anything that's free. Or ask for it and then never show up. Great suggestion/reminder, dragoncar!

This is so true!  We bought a house a few years back and didn't need the perfectly usable washer and dryer.  We listed them for free and no one called.  I was complaining to my dad about it, and he said "re-list them for $100."  I did that, and they were gone in two days.  Go figure.   

It just happened again yesterday.  We have a whole pile of nice tongue-and-groove lumber left over from our rehab, and I was going to list it for free.  But then I remembered the teaching of my wise dad, and listed it for 25 cents a foot instead.  I got a call almost instantly, and the guy is coming today. 

Such an interesting phenomenon.  Is it really so rare for people to give away nice stuff that most people don't believe it?  Don't want to waste their time on wild goose chases? 

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6438 on: June 29, 2019, 06:13:08 AM »
My take is that this is the deep ingrained capitalistic (yeah, for want of better word) mentality.

1. Most people would not give away something "valuable" for free, so free stuff can't be valuable.
2. You are only worth not starving if you work. So how can you give someone something way more expensive than bread without having him work for it?

Of course you coild also say it has nothing to do with modern capitalism, but instead goes back thousands of years. As every antropologist knows, there is no "free" present. If you accept it, you are socially indebted and have to pay that back one way or the other. (That is how the world worked before money after all. which basically means 90% of people for 90% of civilization's time.)

If you use money on the other hand, you have a) payed it already and b) you signal that there is no social connection between you. You are just stranger that don't expect to see each other again and are not required to do anything.

Debt: The first 5000 years. Read it ;)



Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6439 on: June 29, 2019, 06:26:06 AM »
Interesting thoughts @LennStar.  I agree that at its core, the need to give something of value for something of value probably has nothing to do with money.   

There's a thriving "politeness-barter" system alive and well in my rural area.  Example:  I responded to an ad recently for free aged horse manure (for my garden).  It was beautiful stuff, and the farmer gave us a whole truckload.  I offered him some money, which he politely refused.  But he happily accepted two dozen eggs from our chickens, complementing us on their beauty.   

In a transaction like that everyone leaves feeling non-indebted, and happy about the exchange.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6440 on: June 29, 2019, 06:30:54 AM »
Nice, could have been an example from the book :D

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Re: Mustachian People Problems (just for fun)
« Reply #6441 on: June 29, 2019, 07:15:54 AM »
Yes, I think both are true. I wouldn't trust a stranger to give away a free working washing machine, so I wouldn't even respond to that. I have accepted a free washing machine from a relative's estate, because I knew it was ok. I pick up free things quite often and also give other strangers free stuff through our neighbourhood's online group, in 95% of the cases they give a token item in return. I picked up some magazines recently and I brought a box of chocolates. I guess we are just hardwired that way.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6442 on: June 29, 2019, 07:56:50 AM »
Maybe I should get creative with my ads, and say something like "Take it and use it for a while, then if you're happy you can pay me what you think it's worth if you want to"  or  "This thing works fine, we just don't need it.  Please take it and then pay it forward someday to someone else." 

But probably people would just think I'm a flake.  Between strangers money kind of 'sanitizes' the transaction.


Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #6443 on: June 29, 2019, 08:01:39 AM »
I have found if I want to give something good away free and circumvent that, is to be highly descriptive of any possible 'flaws'. Even if it's like, "this printer runs through ink really quickly, and won't run B&W copies if color inks are out, so we keep tape over the color ink cartridges" (actual one I've done). In the case of the washer, 'our old ones are way nicer, this one runs loud'. That lets people know you're being open/honest, gives them a sense of 'ah, that's why this person doesn't want to deal with this, what a great find for me!'. Makes it feel like a win.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6444 on: June 29, 2019, 08:12:02 AM »
I have found if I want to give something good away free and circumvent that, is to be highly descriptive of any possible 'flaws'. Even if it's like, "this printer runs through ink really quickly, and won't run B&W copies if color inks are out, so we keep tape over the color ink cartridges" (actual one I've done). In the case of the washer, 'our old ones are way nicer, this one runs loud'. That lets people know you're being open/honest, gives them a sense of 'ah, that's why this person doesn't want to deal with this, what a great find for me!'. Makes it feel like a win.

Excellent!  So in the case of my unwanted lumber, I could say "This pile is taking up too much space in our machine shed.  We were going to use it for X project but decided not to, so now we just want it gone" . . .

I tend to just have short factual ads.  Maybe a little more context will help. Thanks @Bracken_Joy 

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #6445 on: June 29, 2019, 08:45:26 AM »
I have found if I want to give something good away free and circumvent that, is to be highly descriptive of any possible 'flaws'. Even if it's like, "this printer runs through ink really quickly, and won't run B&W copies if color inks are out, so we keep tape over the color ink cartridges" (actual one I've done). In the case of the washer, 'our old ones are way nicer, this one runs loud'. That lets people know you're being open/honest, gives them a sense of 'ah, that's why this person doesn't want to deal with this, what a great find for me!'. Makes it feel like a win.

Excellent!  So in the case of my unwanted lumber, I could say "This pile is taking up too much space in our machine shed.  We were going to use it for X project but decided not to, so now we just want it gone" . . .

I tend to just have short factual ads.  Maybe a little more context will help. Thanks @Bracken_Joy

Exactly! Yeah, the narrative helps a lot. Then you're not some unknown person offloading some possible trash for who knows what reason. Their brain can latch on to a 'reason'. This is also why I like Buy Nothing groups, there's more of a built in trust vs something like craigslist. (although it depends on your area, of course- I've heard some groups are pretty crappy. And if you're rural, you may not have one in your area at all).

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #6446 on: June 29, 2019, 09:29:07 AM »
I have found if I want to give something good away free and circumvent that, is to be highly descriptive of any possible 'flaws'. Even if it's like, "this printer runs through ink really quickly, and won't run B&W copies if color inks are out, so we keep tape over the color ink cartridges" (actual one I've done). In the case of the washer, 'our old ones are way nicer, this one runs loud'. That lets people know you're being open/honest, gives them a sense of 'ah, that's why this person doesn't want to deal with this, what a great find for me!'. Makes it feel like a win.

Excellent!  So in the case of my unwanted lumber, I could say "This pile is taking up too much space in our machine shed.  We were going to use it for X project but decided not to, so now we just want it gone" . . .

I tend to just have short factual ads.  Maybe a little more context will help. Thanks @Bracken_Joy

Exactly! Yeah, the narrative helps a lot. Then you're not some unknown person offloading some possible trash for who knows what reason. Their brain can latch on to a 'reason'. This is also why I like Buy Nothing groups, there's more of a built in trust vs something like craigslist. (although it depends on your area, of course- I've heard some groups are pretty crappy. And if you're rural, you may not have one in your area at all).

This narrative also suggests that taking away the item is doing the giver a favor, and therefore fulfills the obligation.

Gerard

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Re: Mustachian People Problems (just for fun)
« Reply #6447 on: June 29, 2019, 11:21:52 AM »
This narrative also suggests that taking away the item is doing the giver a favor, and therefore fulfills the obligation.

See, this would be my concern. Given how aggressively people try to haggle over almost-free craigslist/kijiji stuff, I would expect this approach to attract people saying they'll take it if I pay them, as they're "taking it off my hands". Of course I would say no, but I'd still have to deal with those losers.

Or maybe I'm over-thinking this...

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6448 on: June 29, 2019, 12:44:32 PM »
We just put the items next to the street and they are usually usually gone within a day or two.

That's worked for all kinds of stuff.

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Re: Mustachian People Problems (just for fun)
« Reply #6449 on: June 29, 2019, 02:21:59 PM »
We just put the items next to the street and they are usually usually gone within a day or two.

That's worked for all kinds of stuff.

When we lived in a town that worked great, agreed.  Our city had a semi-annual "put anything out by the curb" day, and it seemed like the whole town would go curb shopping, driving around slowly and jumping out to grab what they wanted.  People were not shy at all, and would even penetrate kind of far up into your yard.  It was well known that you better keep your belongings (the ones you wanted to keep) inside on those days.  A friend of mine lost her lawn mower by forgetting to bring it in . . .   

We live in the country now.  No streets, no curbs.  So we must either donate or run ads . . .