Author Topic: Mustachian People Problems (just for fun)  (Read 3684138 times)

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #6650 on: September 09, 2019, 08:28:01 PM »
I started using random packaging instead of garbage bags. So far I've used rice sacks, flour sacks, toilet paper packaging, a potato sack, and one empty sugar bag. Maybe a few other things as well. It helps if you don't produce that much garbage, and buy things sold in sacks.

Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #6651 on: September 09, 2019, 09:23:53 PM »
I started using random packaging instead of garbage bags. So far I've used rice sacks, flour sacks, toilet paper packaging, a potato sack, and one empty sugar bag. Maybe a few other things as well. It helps if you don't produce that much garbage, and buy things sold in sacks.
I started to save cereal box liner bags -- they make excellent separators for frozen food portions / meats, etc.   (Yeah, I know, cereal is expensive, but the kids LOVE it and make their own breakfast this way).

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6652 on: September 10, 2019, 12:23:49 AM »
In the past, I put plastic garbage in a plastic garbage bag, to carry it like that to the container. Put now I just put the plastic in the kitchen bin and then carry the whole bin to the plastic container outside.


DH could a birthday present from his brother. Brother orders it from a shop in Germany and let the shop send it directly to us. DH had to pay VAT and toll money to receive his birthday present. It the brother would have had it sent to his own address and put a "gift" sticker on it, we would have received it for free. This is not the first time his brother does this.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #6653 on: September 10, 2019, 01:04:52 AM »
I started using random packaging instead of garbage bags. So far I've used rice sacks, flour sacks, toilet paper packaging, a potato sack, and one empty sugar bag. Maybe a few other things as well. It helps if you don't produce that much garbage, and buy things sold in sacks.

Our bin men will only take rubbish that is in a tied bag that they can pick up easily with no spillage. Our old council had wheelie bins so the bin lorry just tipped the whole lot in. We buy the smallest size of bin bag, so they're obviously happy to take something the size of a carrier bag, but I struggle to find any ex-packaging that I can tie effectively - e.g. toilet paper packaging. So I continue spending money to buy plastic to throw away in the most direct manner possible.

Zikoris

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Re: Mustachian People Problems (just for fun)
« Reply #6654 on: September 10, 2019, 10:16:01 AM »
I started using random packaging instead of garbage bags. So far I've used rice sacks, flour sacks, toilet paper packaging, a potato sack, and one empty sugar bag. Maybe a few other things as well. It helps if you don't produce that much garbage, and buy things sold in sacks.

I forgot two more that also work really well - bags from cat food and cat litter. They tend to be very durable, and the cat food bags even seal.

Erma

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Re: Mustachian People Problems (just for fun)
« Reply #6655 on: September 12, 2019, 01:39:05 PM »
My file with financial data got too big and is now unusable.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6656 on: September 12, 2019, 01:54:12 PM »
My file with financial data got too big and is now unusable.

It's possible you might be able to open it if you close down all non-essential programs on your computer.    If so, you can split it into multiple files. 

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #6657 on: September 12, 2019, 02:34:42 PM »
My file with financial data got too big and is now unusable.

Are you in excel? My guess is something got corrupted. because excel is a workhorse. I really don't know how your personal finances could push excel past its limits.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #6658 on: September 12, 2019, 02:36:09 PM »
My file with financial data got too big and is now unusable.

Are you in excel? My guess is something got corrupted. because excel is a workhorse. I really don't know how your personal finances could push excel past its limits.

Backups?

Erma

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Re: Mustachian People Problems (just for fun)
« Reply #6659 on: September 12, 2019, 10:30:06 PM »
No, not excel. I have a backup from a month ago, but the same thing will happen again and the saving it as mysql database did not work so I am now trying to find an alternative.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6660 on: September 15, 2019, 01:39:57 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6661 on: September 15, 2019, 02:04:32 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

A bit of a shock for an introvert. :-)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6662 on: September 15, 2019, 02:11:50 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

A bit of a shock for an introvert. :-)

Honestly as an introvert I never really minded giving presentations.  Nice and unilateral.  Chatting with a friend, however...

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6663 on: September 15, 2019, 05:06:57 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

A bit of a shock for an introvert. :-)

Honestly as an introvert I never really minded giving presentations.  Nice and unilateral.  Chatting with a friend, however...

I also donít mind presentations. Chatting with a friend about a specific topic is okay. Just chitchatting for no particular purpose except to be social is torture.

markus

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Re: Mustachian People Problems (just for fun)
« Reply #6664 on: September 15, 2019, 05:53:31 AM »
Quote
Quote
Quote
A bit of a shock for an introvert. :-)

Honestly as an introvert I never really minded giving presentations.  Nice and unilateral.  Chatting with a friend, however...

I also donít mind presentations. Chatting with a friend about a specific topic is okay. Just chitchatting for no particular purpose except to be social is torture.

To briefly chime in on this, Freedomin5 has it right and hits on what most people misunderstand about introversion: it has nothing to do with whether you're shy or not shy, uncomfortable or completely comfortable in social situations, etc. (you could be either of those regardless of whether you're an extrovert, introvert or somewhere in between). It's much more to do with whether social situations are draining for you or give you a charge.

The best article I've ever read that nails it is this one by Jonathan Rauch, written for The Atlantic:
https://www.theatlantic.com/magazine/archive/2003/03/caring-for-your-introvert/302696/

Returning to the topic ...

Freedomin5: I'd be very curious to hear if the company responds to the presentation in any way! Yeah, it'd be weird for them to ask you to not give such a presentation, or to ask you to frame it in some more general financial discussion kind of way, but my paranoid side would have me thinking that they might not like it. I think it's awesome that you received so many interested sign-ups like that, and good for you for stepping up to put the presentation together! It really might be life-changing for some of your peers, or the start of a turning point in how they manage their finances.

I'm reminded of the last time a representative from our 401(k) handlers visited Megacorp, really just to cover the basics for anyone who wasn't already contributing to their account. I always attend those things in case there's some new detail I might have missed or in case I think of a question to ask. The rep's presentation was good in that he started with a timeline of one's estimated lifespan and then worked backward to our collective present, then highlighting the financial milestones as they relate to the retirement accounts: RMDs, access to the 401(k), getting the company match, etc. I was the only one who knew what RMDs were (and this is in a group of about thirty!) and when they kick in, and from that moment I was getting a lot of looks, followed by a few comments of, "Maybe we'll have to ask Markus more about this stuff later, heh heh," and so forth. But it was positive, and I got the sense that these are things that everyone would like to know more about but don't make the time for or are perhaps uncomfortable to bring up.

Suffice to say, your presentation will likely be a stand out. Please update us here after it takes place and let us know how it went and how everyone responded.


Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6665 on: September 15, 2019, 09:14:33 AM »
I'm seriously wondering whether this joker is a Mustachian in disguise...

NZ person brings clown to redundancy meeting...

Quote
When copy writer Josh Thompson received an ominous email from his bosses asking to discuss his role at the company, he knew he was facing redundancy.

The human resources department at FCB New Zealand encouraged him to bring a "support person" to help cushion the blow, an option that is legally required in New Zealand.

But rather than bring a family member, a friend or even a pet, the part-time stand-up comedian decided to splash out NZ$200 (£100) on a clown called "Joe".

[...]

"Joe" accompanied Josh for the redundancy meeting, where the clown made balloon animals, although he had to be told to stop a few times as it was difficult to hear above the screeching of plastic.

An Unassuming Moose

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Re: Mustachian People Problems (just for fun)
« Reply #6666 on: September 15, 2019, 10:26:38 AM »
I occasionally fly to remote places for work, and a plane ticket can easily cost $2500. My boss offered to get me a corporate card "just in case you need a ticket last minute, you can cover it". I told him that between the three cards I carry, I could cover $34k without breaking a sweat, and that I could easily pay $2500 myself while waiting for the company to reimburse me. He didn't have an answer. I seriously don't want a corporate card. $2500 is $50 cashback if I use my own...

Also, big numbers are not scary. I find myself rationalizing things like "$10k? Oh, that's three or four months of savings. $75k? Might delay FI by a year or so."

bluebelle

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Re: Mustachian People Problems (just for fun)
« Reply #6667 on: September 15, 2019, 10:36:30 AM »
I occasionally fly to remote places for work, and a plane ticket can easily cost $2500. My boss offered to get me a corporate card "just in case you need a ticket last minute, you can cover it". I told him that between the three cards I carry, I could cover $34k without breaking a sweat, and that I could easily pay $2500 myself while waiting for the company to reimburse me. He didn't have an answer. I seriously don't want a corporate card. $2500 is $50 cashback if I use my own...

Also, big numbers are not scary. I find myself rationalizing things like "$10k? Oh, that's three or four months of savings. $75k? Might delay FI by a year or so."
I'd love to be able to put more on my personal visa, but alas, I have to use the corporate card for airfare and hotels.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6668 on: September 15, 2019, 10:49:47 AM »
I occasionally fly to remote places for work, and a plane ticket can easily cost $2500. My boss offered to get me a corporate card "just in case you need a ticket last minute, you can cover it". I told him that between the three cards I carry, I could cover $34k without breaking a sweat, and that I could easily pay $2500 myself while waiting for the company to reimburse me. He didn't have an answer. I seriously don't want a corporate card. $2500 is $50 cashback if I use my own...

Also, big numbers are not scary. I find myself rationalizing things like "$10k? Oh, that's three or four months of savings. $75k? Might delay FI by a year or so."

It's not much until you discover that the business can't pay it's bills and is now in bankruptcy.

Not that a corporate card will necessarily help, because they used to be owed by the individual person too.

I know people that happened to, so pay attention to the firm's financial status.

An Unassuming Moose

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Re: Mustachian People Problems (just for fun)
« Reply #6669 on: September 15, 2019, 06:55:36 PM »
I occasionally fly to remote places for work, and a plane ticket can easily cost $2500. My boss offered to get me a corporate card "just in case you need a ticket last minute, you can cover it". I told him that between the three cards I carry, I could cover $34k without breaking a sweat, and that I could easily pay $2500 myself while waiting for the company to reimburse me. He didn't have an answer. I seriously don't want a corporate card. $2500 is $50 cashback if I use my own...

Also, big numbers are not scary. I find myself rationalizing things like "$10k? Oh, that's three or four months of savings. $75k? Might delay FI by a year or so."

It's not much until you discover that the business can't pay it's bills and is now in bankruptcy.

Not that a corporate card will necessarily help, because they used to be owed by the individual person too.

I know people that happened to, so pay attention to the firm's financial status.

Yeah, that's a valid point. I do have faith in my company though, and considering how much work we're all doing, I trust that there's money coming in. We'll be hiring one or two more people soon just to cope (5-employee branch of a 3500-employee nationwide company).

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6670 on: September 16, 2019, 01:19:17 AM »
DH has been good lately in selling stuff that he doesn't use anymore. He had put an old pair of GTX rain trousers for sale and had found a person who wanted to buy it, without haggling about the price. Last night DH came home from our cabin and looked for the rain trousers to send it to this person. We both searched the whole house, but it seems to have vanish into a black hole, together with my access card for work, which has also disappeared. So we can't sell the rain trousers, although I think it will reappear at some time from some very random place.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6671 on: September 16, 2019, 11:11:19 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

Nice job!
DW and I invited a few friends over last winter to sit next to the wood stove and discuss finances. More than a dozen people showed up and most of them came back again every couple of weeks until we all got busy with summer... One friend even decided to max out his 401k with his overtime pay this year. I had no idea it would be so popular, but now I've been asked to host another more official group this fall... See bold section above.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6672 on: September 16, 2019, 11:22:12 AM »
I occasionally fly to remote places for work, and a plane ticket can easily cost $2500. My boss offered to get me a corporate card "just in case you need a ticket last minute, you can cover it". I told him that between the three cards I carry, I could cover $34k without breaking a sweat, and that I could easily pay $2500 myself while waiting for the company to reimburse me. He didn't have an answer. I seriously don't want a corporate card. $2500 is $50 cashback if I use my own...

Also, big numbers are not scary. I find myself rationalizing things like "$10k? Oh, that's three or four months of savings. $75k? Might delay FI by a year or so."

I used a personal card for work trips for several years. Saved enough miles to fly halfway around the world when things started to go south at the company. I did worry a bit about being left with an unpaid expense like SwordGuy mentioned. Fortunately I'd moved on before they went under. Unfortunately I was doing some contract work with them at the time that will likely never be paid...

You wouldn't by any chance be a fellow Alaskan mustachian?

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #6673 on: September 16, 2019, 11:24:13 AM »
Cross-posted from the anti anti Mustachian overheard at work thread...

For our company retreat, employees can volunteer to lead breakout sessions on whatever they like. Most people do shopping/sight seeing outings, craft beer, baking, yoga, sewing, etc. Just for kicks, because Iím extremely introverted and have two left thumbs and I do not like the social events or the crafty events, I put in a proposal to discuss the FIRE movement and talk about ways to calculate when you can retire. I said I would lead the group if there were a minimum of two people (one person being myself). Imagine my surprise when I checked the sign up sheet and realized my session was full! Apparently there are a lot of people at work who are interested in personal finance.

Now I actually have to prepare a presentation instead of just sitting around chatting with my friend about index investing and our rental properties. Being Mustachian is such hard work...

I would love to see what you come up with.

An Unassuming Moose

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Re: Mustachian People Problems (just for fun)
« Reply #6674 on: September 16, 2019, 12:00:42 PM »
You wouldn't by any chance be a fellow Alaskan mustachian?
I'm Canadian! But I do fly to Alaskan latitudes. Just on the Canadian side in Nunavut!

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6675 on: September 16, 2019, 04:36:25 PM »
You wouldn't by any chance be a fellow Alaskan mustachian?
I'm Canadian! But I do fly to Alaskan latitudes. Just on the Canadian side in Nunavut!
I figured that was more probable but thought I'd ask. Between the name and flying into remote locations it seemed likely to be one or the other. Hopefully one of these days I will make it over there.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6676 on: September 18, 2019, 02:18:29 AM »
I lost my access card from work. On it was a QA sticker for my cafetaria account. I have of course been bringing lunch from home for a long time now, but 3 times a year or so, I still buy lunch, when I forgot my lunch at home or so. I have the suspicion that there were a few (3?) dollars left om my account that I now can't access anymore. Or could they print a new sticker for me???

zygote

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Re: Mustachian People Problems (just for fun)
« Reply #6677 on: September 18, 2019, 08:49:13 AM »
I opened a Delta credit card a few months ago to get some bonus miles. After the initial spend, I've switched back to my normal cash rewards card. Well, I ended up getting one of the charges on the Delta card refunded last week. I keep forgetting to use the Delta card instead of the cash rewards card to actually use up the credit....

DaMa

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Re: Mustachian People Problems (just for fun)
« Reply #6678 on: September 18, 2019, 01:47:45 PM »
I opened a Delta credit card a few months ago to get some bonus miles. After the initial spend, I've switched back to my normal cash rewards card. Well, I ended up getting one of the charges on the Delta card refunded last week. I keep forgetting to use the Delta card instead of the cash rewards card to actually use up the credit....

I had this problem earlier this year.  I ended up loading my Amazon gift card account with the amount of the credit just to use it.

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #6679 on: September 18, 2019, 03:01:45 PM »
I opened a Delta credit card a few months ago to get some bonus miles. After the initial spend, I've switched back to my normal cash rewards card. Well, I ended up getting one of the charges on the Delta card refunded last week. I keep forgetting to use the Delta card instead of the cash rewards card to actually use up the credit....

I had this problem earlier this year.  I ended up loading my Amazon gift card account with the amount of the credit just to use it.

I've had a $276 credit balance on one card for several months now. I was using a card that required a hefty $5k minimum spend, so I didn't want to put any spending anywhere else. We just got the bonus, so we can finally go back and use that old card for a bit. And I also have a $1 credit balance on my SW card. I should probably spend that before I cancel it here in a month or two.

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Re: Mustachian People Problems (just for fun)
« Reply #6680 on: September 19, 2019, 06:01:30 AM »
I opened a Delta credit card a few months ago to get some bonus miles. After the initial spend, I've switched back to my normal cash rewards card. Well, I ended up getting one of the charges on the Delta card refunded last week. I keep forgetting to use the Delta card instead of the cash rewards card to actually use up the credit....

I had this problem earlier this year.  I ended up loading my Amazon gift card account with the amount of the credit just to use it.

I do this whenever I have a Visa giftcard with just a few dollars left on it.

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #6681 on: September 20, 2019, 10:49:47 AM »
My Mustanchian problem is when this forum went own for the day I had nowhere to read or post that only us Mustachians get.   

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6682 on: September 20, 2019, 10:40:25 PM »
I opened a Delta credit card a few months ago to get some bonus miles. After the initial spend, I've switched back to my normal cash rewards card. Well, I ended up getting one of the charges on the Delta card refunded last week. I keep forgetting to use the Delta card instead of the cash rewards card to actually use up the credit....

I had this problem earlier this year.  I ended up loading my Amazon gift card account with the amount of the credit just to use it.

I do this whenever I have a Visa giftcard with just a few dollars left on it.

My MPP is that I tried this to drain the last 3 cents from a visa gift card but it didnít go through because I entered the wrong zip code or whatever.  So I resubmitted it and it worked.  But it wouldnít let me cancel the old order and it eventually processed with my default credit card.  This would royally piss me off if.. well if it was more than three cents

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #6683 on: September 21, 2019, 08:37:03 AM »
I have a budget this year for planned maintenance on the house. It is necessary, it will add comfort, and it has been planned for 5 years. I have the money. And I keep postponing it because I just do not want to spend all that lovely money that I could also invest 😄

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #6684 on: September 21, 2019, 03:28:52 PM »
I have a budget this year for planned maintenance on the house. It is necessary, it will add comfort, and it has been planned for 5 years. I have the money. And I keep postponing it because I just do not want to spend all that lovely money that I could also invest 😄
Get outta my head!  That is an apt description of many intended purchases in our household!

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6685 on: September 21, 2019, 06:53:11 PM »
I have a budget this year for planned maintenance on the house. It is necessary, it will add comfort, and it has been planned for 5 years. I have the money. And I keep postponing it because I just do not want to spend all that lovely money that I could also invest 😄

That is definitely a MPP I can relate to. Sometimes it's hard to remember that spending money really can make things better... After all, isn't that why we save it?

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #6686 on: September 21, 2019, 07:09:56 PM »
I have a budget this year for planned maintenance on the house. It is necessary, it will add comfort, and it has been planned for 5 years. I have the money. And I keep postponing it because I just do not want to spend all that lovely money that I could also invest 😄

That is definitely a MPP I can relate to. Sometimes it's hard to remember that spending money really can make things better... After all, isn't that why we save it?

I had $10k saved with the intent of building a covered back porch, but decided that I'd rather have that money in the market...

An Unassuming Moose

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Re: Mustachian People Problems (just for fun)
« Reply #6687 on: September 22, 2019, 09:02:07 AM »
Had to pay for braces. Paid all at once to get the discount, rather than paying monthly for a year. But now my spreadsheet says that I spent half a year's budget last month, and my average yearly expenses, which I use to calculate my FI date, is all out of whack.

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Re: Mustachian People Problems (just for fun)
« Reply #6688 on: September 23, 2019, 02:10:26 PM »
Had to pay for braces. Paid all at once to get the discount, rather than paying monthly for a year. But now my spreadsheet says that I spent half a year's budget last month, and my average yearly expenses, which I use to calculate my FI date, is all out of whack.

Did the orthodontics folks react oddly? We did this and apparently it is rare here to pay it all down at once?

TVRodriguez

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Re: Mustachian People Problems (just for fun)
« Reply #6689 on: September 24, 2019, 11:50:16 AM »
Had to pay for braces. Paid all at once to get the discount, rather than paying monthly for a year. But now my spreadsheet says that I spent half a year's budget last month, and my average yearly expenses, which I use to calculate my FI date, is all out of whack.

Did the orthodontics folks react oddly? We did this and apparently it is rare here to pay it all down at once?

I did it that way, too, for both my sons, using the HSA account.  Both times, the people at my orthodontist's office didn't bat an eye at the single payment, so either I'm not the only one doing it that way here, or they have good poker faces!

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #6690 on: September 26, 2019, 08:37:26 AM »
My USPS "Informed Delivery" this morning showed an incoming letter from the US Dept of Treasury.

Always a nerve-racking occurrence.

I logged into the IRS.gov website to view the 2018 transcript of my account. It looks they're mailing me an (unsolicited) check for about $175.
Apparently, when the IRS does this, they don't include an explanation along with the check.  Per some online forums, they send a SEPARATE notification in the postal mail (often weeks later) to explain.

2018 was the most complicated tax year of my life thus far -- many moving parts, sale of multiple rental properties, depreciation schedules, IRA re-characterizations, 1099-B's and amended 1099-B with dozens of pages of transactions, and more and more and more....

I really want to know where the discrepancy is!  I've been warned (by blog posts) to hold off from cashing the check.  If it turns out the IRS is in error, I'll owe interest and penalties if I cash the check.  MPP: Soooo, now I get to hold onto the check from today's mail -- and I get to wonder what happened for a few weeks.  And I have to waste more time to try to reconcile what happened.

Edit: And an open question I have -- that I can't seem to find an answer for online:  The check from the IRS is supposedly including "interest" on the amount that they owed me.  Will I then owe income tax on this interest income???  :D
« Last Edit: September 26, 2019, 09:02:37 AM by rantk81 »

partgypsy

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Re: Mustachian People Problems (just for fun)
« Reply #6691 on: September 26, 2019, 08:43:29 AM »
Had to pay for braces. Paid all at once to get the discount, rather than paying monthly for a year. But now my spreadsheet says that I spent half a year's budget last month, and my average yearly expenses, which I use to calculate my FI date, is all out of whack.

Did the orthodontics folks react oddly? We did this and apparently it is rare here to pay it all down at once?

I did it that way, too, for both my sons, using the HSA account.  Both times, the people at my orthodontist's office didn't bat an eye at the single payment, so either I'm not the only one doing it that way here, or they have good poker faces!

We did it that way as well, both kids, because there is a discount both for that and not paying by credit card. So I think enough people do it otherwise they wouldn't be offering it.

MPP: number crunching the different dental plans to find out which one is the best deal for getting braces. It was close to a wash but one was 700 cheaper over the 2 year period so that's the one I switched to, and each time started the braces in Jan so I wouldn't have to pay additional dental insurance once the 2 year period was done.
« Last Edit: September 26, 2019, 08:46:02 AM by partgypsy »

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Re: Mustachian People Problems (just for fun)
« Reply #6692 on: September 26, 2019, 10:25:59 AM »
Talking about braces etc. here is a very intersting article how it comes we all need them now, when not too long ago people didn't.

https://onezero.medium.com/our-skulls-are-out-evolving-us-and-that-could-mean-a-public-health-crisis-f950faed696d

Bonus point: Charles Darwin on the topic.
« Last Edit: September 26, 2019, 01:59:37 PM by LennStar »

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #6693 on: September 26, 2019, 11:47:52 AM »
Talking about braces etc. here is a very intersting article how it comes we all need them now, when not too long ago people didn't.

Bonus point: Charles Darwin on the topic.
I'd love to read the article, but the link didn't come through. Can you try again?

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6694 on: September 26, 2019, 01:59:52 PM »
Talking about braces etc. here is a very intersting article how it comes we all need them now, when not too long ago people didn't.

https://onezero.medium.com/our-skulls-are-out-evolving-us-and-that-could-mean-a-public-health-crisis-f950faed696d

Bonus point: Charles Darwin on the topic.
I'd love to read the article, but the link didn't come through. Can you try again?
edited.

julia

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Re: Mustachian People Problems (just for fun)
« Reply #6695 on: September 26, 2019, 08:33:37 PM »
I spend so little, that I can barely make my credit card sign up bonus minimums.
Exactly! I want a chase sapphire card for the great rewards, but I can't do the spending to get the sign up bonus.

Just buy a giftcard at the grocery store you shop at for the sign up bonus minimum amount. You'll eventually use it on food!

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6696 on: September 27, 2019, 06:34:39 PM »
I spend so little, that I can barely make my credit card sign up bonus minimums.
Exactly! I want a chase sapphire card for the great rewards, but I can't do the spending to get the sign up bonus.

Just buy a giftcard at the grocery store you shop at for the sign up bonus minimum amount. You'll eventually use it on food!

I'll prepay utilities. That way I don't even need to deal with a gift card ;)

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Re: Mustachian People Problems (just for fun)
« Reply #6697 on: September 30, 2019, 10:53:56 AM »
Having become a Mustachian I now walk the five to six miles a day to and from work rather than drive. This is obviously a good thing but comes with a Mustachian People Problem.

As a result of not driving I need to use the changing room at work. This has been ok up to now but in the last few weeks Iíve had to put up with others using the changing room when I do. Itís not my own personal changing room of course so fair enough.

However one of them thinks itís acceptable to cut his toe nails in the changing room. Why wouldnít you do that at home? Another one thinks itís fine to fart like no one is around. You wouldnít do this in the main office so why is it ok around colleagues in a changing room? Lastly a third chap spends the entire time in the shower making the most disgusting noises in his throat and nose.

If I just drove to work like a normal person I wouldnít have to put up with this. So wish we luck tomorrow when I arrive at work, and Iíll have to see what combination of Farter, Snorter and Clipper I get to share the changing rooms with. Good grief putting it like that they sound like evil versions of Snow Whiteís dwarfs. I only need Scratchy, Towel Thief, Cougher and Aftershave Stencher to start using the facilities and Iíll have the whole set to contend with.

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Re: Mustachian People Problems (just for fun)
« Reply #6698 on: September 30, 2019, 03:11:47 PM »
Having become a Mustachian I now walk the five to six miles a day to and from work rather than drive. This is obviously a good thing but comes with a Mustachian People Problem.

As a result of not driving I need to use the changing room at work. This has been ok up to now but in the last few weeks Iíve had to put up with others using the changing room when I do. Itís not my own personal changing room of course so fair enough.

However one of them thinks itís acceptable to cut his toe nails in the changing room. Why wouldnít you do that at home? Another one thinks itís fine to fart like no one is around. You wouldnít do this in the main office so why is it ok around colleagues in a changing room? Lastly a third chap spends the entire time in the shower making the most disgusting noises in his throat and nose.

If I just drove to work like a normal person I wouldnít have to put up with this. So wish we luck tomorrow when I arrive at work, and Iíll have to see what combination of Farter, Snorter and Clipper I get to share the changing rooms with. Good grief putting it like that they sound like evil versions of Snow Whiteís dwarfs. I only need Scratchy, Towel Thief, Cougher and Aftershave Stencher to start using the facilities and Iíll have the whole set to contend with.

Don't join the military then. All sorts of this sort of thing. I was happy to leave all that behind.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6699 on: October 01, 2019, 03:12:06 AM »
Having become a Mustachian I now walk the five to six miles a day to and from work rather than drive. This is obviously a good thing but comes with a Mustachian People Problem.

As a result of not driving I need to use the changing room at work. This has been ok up to now but in the last few weeks Iíve had to put up with others using the changing room when I do. Itís not my own personal changing room of course so fair enough.

However one of them thinks itís acceptable to cut his toe nails in the changing room. Why wouldnít you do that at home? Another one thinks itís fine to fart like no one is around. You wouldnít do this in the main office so why is it ok around colleagues in a changing room? Lastly a third chap spends the entire time in the shower making the most disgusting noises in his throat and nose.

If I just drove to work like a normal person I wouldnít have to put up with this. So wish we luck tomorrow when I arrive at work, and Iíll have to see what combination of Farter, Snorter and Clipper I get to share the changing rooms with. Good grief putting it like that they sound like evil versions of Snow Whiteís dwarfs. I only need Scratchy, Towel Thief, Cougher and Aftershave Stencher to start using the facilities and Iíll have the whole set to contend with.

If you only walk and not run, then you probably don't need to shower? At least, I don't need it when I walk a similar distance to work. Is there then an alternative like a handicap toilet where you can change your clothes?