Author Topic: Mustachian People Problems (just for fun)  (Read 914082 times)

Rollin

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Re: Mustachian People Problems (just for fun)
« Reply #700 on: October 21, 2014, 10:55:36 AM »
My "People Problems" start with friends that start to describe a TV show with enthusiasm and I just look blank faced.  Then they remember and say, "oh, that's right you don't have TV."

Another is that they will watch the latest movie (e.g., Fury) and want to talk about it in detail.  First, I don't go to the movies at $10 a pop, and second they are way to gory or explicit.  Since I haven't watched many movies over the past 20 years or so I have not become acclimated to the intensity or explicitness.  They really are upsetting when you are not used to seeing such graphic content.  It often concerns me that the public seems immune to it.

Another is that one of my children thinks we are poor because we don't have things like lawn service, or new cars.  Heck, what do you need a lawn service for when you have kids!?  (I sound like my father now :).
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2ndTimer

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Re: Mustachian People Problems (just for fun)
« Reply #701 on: October 21, 2014, 11:10:47 AM »
Breakfasting on an english muffin extravagantly purchased from the bakery salvage store and crunchy peanut butter from another salvage store.  I found the english muffin in the freezer.  Nowadays, I wouldn't go to the bakery salvage store.  If I wanted english muffins, I would find a recipe and make them.  These days the idea that I once spent 99 cents at a used bread store instead of making my own is embarrassing
« Last Edit: October 21, 2014, 11:14:22 AM by 2ndTimer »

gimp

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Re: Mustachian People Problems (just for fun)
« Reply #702 on: October 21, 2014, 12:30:30 PM »
I bought a bottle of soda because I really wanted one, stuck it in the freezer for a few minutes, forgot about it, and am now sad about the $2 I wasted.

Rollin

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Re: Mustachian People Problems (just for fun)
« Reply #703 on: October 21, 2014, 01:13:16 PM »
Ads suck. That's the conversation I'm going to jump in on. Ads suck. Two reasons why. Let's assume you don't actually buy shit that the ad is selling.

Reason number one. Ads are society's window on you. If you're watching, it's for you. I may have stolen that line, but it's a good one. You remember that shitty ad, where a good-looking guy buys his good-looking wife a lexus for christmas, so they can cart around their good-looking kids? How many people are going to watch that ad and buy a lexus? A couple. Are you? No. "Problem avoided!" Not so fast. The ad didn't sell you a lexus, but it sold you a family. It sold you a haircut and clothes and accessories and a house and "the american dream"; pretty people look like this and they drive a lexus. You're not an idiot so you didn't go out and buy a lexus, but you did look at the pretty people. Your argument was "do pretty people buy lexuses for christmas?" and you accepted "this is what pretty people look like" and that ad didn't sell you a lexus, it sold you Niemen Marcus. Or, considering the forum, it sold you Marshall's. It still sold you something.

Reason number two. Even if it didn't sell you anything, because you're the smartest of the smarts, it still got everyone around you. You maybe didn't even see the ad, you probably didn't even see the ad, but everyone else did and everyone bought "this is what pretty people look like," especially because they've been buying it their whole lives with slight changes in style, and now you have to conform to that. "But I don't shop there." But whoever designs your clothes, unless you sew and tailor your own without ever looking at what anyone else is wearing, is making things in the proper style of today plus or minus five years. Maybe you don't "shop there" but I bet you wore a windbreaker in the 90s and don't today.

That's my mustachian people problems, as the OP put it. I don't watch ads and they still affect me greatly, but I don't know precisely how, and whether I mind or care, and whether it's harmful.

Sadly, most, if not all, of my family.
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nyold

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Re: Mustachian People Problems (just for fun)
« Reply #704 on: October 21, 2014, 01:13:44 PM »
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

Good point - but that is my awkward MMM people problem.  I just don't enjoy eating out (alone) all the time.

 I also don't enjoy knowing that some of the company's profits (and my bonus?) are supporting fancy spending accounts either. (even though I could / should just enjoy it too)

If I were you I'd also stay at the Hilton when I'm traveling on company dime. The impact to your bonus is so small compared to actual company costs etc so you're not doing anyone any favor by staying frugal. Thing is, when you stay at the Hilton, you get really nice toiletries that can be used for about 5 or so days per bottle. Now THAT is mustachian.

Bonus: sometimes you get slippers or other wrapped amenities that can be ebayed (search ebay for hotel or airplane amenities).

myrax

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Re: Mustachian People Problems (just for fun)
« Reply #705 on: October 21, 2014, 07:12:18 PM »
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
You're probably right about that.  Where I live there are plenty of free places to park, it's a fairly poor area of the rust belt.  So they pay less than a city would.
I just served in Santa Clara County.  $15/day (free parking)

I think it is $8 or $10 per day for me, and with free parking, but I will bike. I agree the system is very broken. Some employers will still pay when you have jury duty, but usually there is a limit- for me it is 10 days, which I understand is somewhat generous even.

vegasdude

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Re: Mustachian People Problems (just for fun)
« Reply #706 on: October 21, 2014, 10:46:15 PM »
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

At my former job, our travel credit cards could only be used for certain purchases (usually just hotels and restaurants) but it did work at grocery stores. A colleague did a lot of traveling for the company, and he spent most of his meal allowance buying groceries. He had plenty to eat and brought back lots of food for later, and probably lots of cat food. A lot of hotels give you a fridge, a microwave, a coffee maker, and provide an ok breakfast. This was while the company was cutting the 401k match, suspending any raises, and only giving our boss a $50k bonus. So we didn't feel too guilty about spending our own money in the most efficient way.

johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #707 on: October 22, 2014, 08:36:11 AM »
I keep complaining silently about the spendy people at out work when they travel for business.  Who ever needs to stay at a Hilton?

Why can't everyone buy groceries for breakfast and eat in their rooms? 


Why in the world would it matter when the company is paying for it anyway?  Enjoy yourself... you're not paying.

Good point - but that is my awkward MMM people problem.  I just don't enjoy eating out (alone) all the time.

 I also don't enjoy knowing that some of the company's profits (and my bonus?) are supporting fancy spending accounts either. (even though I could / should just enjoy it too)

If I were you I'd also stay at the Hilton when I'm traveling on company dime. The impact to your bonus is so small compared to actual company costs etc so you're not doing anyone any favor by staying frugal. Thing is, when you stay at the Hilton, you get really nice toiletries that can be used for about 5 or so days per bottle. Now THAT is mustachian.

Bonus: sometimes you get slippers or other wrapped amenities that can be ebayed (search ebay for hotel or airplane amenities).

A potential problem with staying at the Hilton is that it can lead to urges for lifestyle inflation - once you've experienced a higher standard, sometimes it's hard to go back.
Of course, Mustachians are much better at defeating lifestyle inflation than the general population, as there are plenty of stories on this forum of people doing a 180 with respect to their spending.

DollarBill

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Re: Mustachian People Problems (just for fun)
« Reply #708 on: October 22, 2014, 08:52:17 AM »
Just dropped off a trunk full of clothes at Goodwill. I told the woman that I kept most of the good stuff as I pointed to my attire...cut-off shorts and torn shirt.

MilwaukeeStubble

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Re: Mustachian People Problems (just for fun)
« Reply #709 on: October 22, 2014, 09:22:32 AM »
I lost my car the other day because it had been so long since I last drove I'd forgotten where I parked.  Took about 15 minutes to find it.

I'm not sure I like what that says about my ability to take care of possessions (losing an $8000 car is hardly mustashian) but I think it definitely counts as a MPP...

pdxbator

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Re: Mustachian People Problems (just for fun)
« Reply #710 on: October 22, 2014, 09:40:08 AM »
I lost my car the other day because it had been so long since I last drove I'd forgotten where I parked.  Took about 15 minutes to find it.

I'm not sure I like what that says about my ability to take care of possessions (losing an $8000 car is hardly mustashian) but I think it definitely counts as a MPP...
I sometimes have to just drive my car in order to make sure the battery and what-nots still run. I'm usually on bike or foot.
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BlueHouse

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Re: Mustachian People Problems (just for fun)
« Reply #711 on: October 22, 2014, 08:16:15 PM »
I got summoned for jury duty for a trial that is expected to last 10 to 12 weeks. My colleagues keep asking why I'm worried when I can get out of it based on financial hardship. If I submitted my bank statements in order to make the financial hardship argument, the court would notice that every month the entirety of my paycheck goes to a savings account as soon as I get it, along with a substantial part of my husband's account.
Wow. USA? The more I learn about that legal system the more despisable it is. In essence you are saying that not only the "rich" have a chance fight in trial because its costs so much, not only the "rich" have the chance (because the legal degree costs so much) to be judges but also only the "rich" are in the jury. Talk about bias here.
That's only part of the picture.  People who are unemployed or retired will also be over-represented on the jury because a small stipend is paid daily to jurors and for people who aren't working anyways this small stipend is like a bonus.

*I don't know how much it is, but it's much less than minimum wage.  Last I heard it was something like $11 a day, but that was years ago.

I think it varies by county. The last time I served on a jury, in 1999, I got $80 a day. My father in law is on a jury right now and his stipend is $40 (which just about covers parking for the day and lunch).
You're probably right about that.  Where I live there are plenty of free places to park, it's a fairly poor area of the rust belt.  So they pay less than a city would.
I just served in Santa Clara County.  $15/day (free parking)

I think it is $8 or $10 per day for me, and with free parking, but I will bike. I agree the system is very broken. Some employers will still pay when you have jury duty, but usually there is a limit- for me it is 10 days, which I understand is somewhat generous even.
Washington DC. March 2014. $4 for 8 hours to learn I wasn't selected.
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orbix

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Re: Mustachian People Problems (just for fun)
« Reply #712 on: October 23, 2014, 11:48:11 AM »
When you start looking into solar power options and realize that your power bill is so low that you'd basically never break even on the system and installation costs...

flamingo25

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Re: Mustachian People Problems (just for fun)
« Reply #713 on: October 23, 2014, 06:15:13 PM »
I have another one:

I recently contacted our trash company to request a smaller bin or less frequent pick up as we never fill it up, and sometimes go a week without using it all.

Their response: "You already have the smallest waste bin and most infrequent pickup."

Louis the Cat

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Re: Mustachian People Problems (just for fun)
« Reply #714 on: October 31, 2014, 10:02:24 AM »
Feeling guilty for driving my 197k mile car that gets 45 miles to the gallon 2 miles to pick up the kiddos from pre-school because the trailer hauling bike needs a repair.

dorothyc

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Re: Mustachian People Problems (just for fun)
« Reply #715 on: October 31, 2014, 10:32:55 AM »
I've moved so close to work that my bus ride which used to be 50 minutes is now only 5 minutes, so I don't have time to read my library book on my Kindle during the trip.

I'm working up the fitness to bike the three miles instead, but the route is hilly.

RunningWithScissors

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Re: Mustachian People Problems (just for fun)
« Reply #716 on: October 31, 2014, 10:45:47 AM »
Getting ready to leave my job as I approach the FIRE threshold, and realize the only phone I use is my work cell phone.  It'll be a pain to actually pay for phone service, and switch all my contact info to a new number.  Realize this is one of the only things that's keeping me working here.

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #717 on: October 31, 2014, 11:08:13 AM »
Getting ready to leave my job as I approach the FIRE threshold, and realize the only phone I use is my work cell phone.  It'll be a pain to actually pay for phone service, and switch all my contact info to a new number.  Realize this is one of the only things that's keeping me working here.

+1
I have never had to pay for cell phone service since my very first (satchel) phone.  For the past few years I have had to purchase the phone but the service has always been free.  You should check with your company and/or the carrier rep to see if you can keep the number when you leave.  At my company I can keep the number (and the phone because i bought it).

fartface

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Re: Mustachian People Problems (just for fun)
« Reply #718 on: October 31, 2014, 06:20:22 PM »
Having to bet your tongue constantly when people think you drive the car you drive because you cannot afford a new Stupid Useless Vehicle like their new Escalade they are so proudly showing you. 

My tongue gets bit often being of a mustachian mind set!

I drive an eleven year old mini-van with a few rust stains here and there.  My S-I-L, who drives a brand-new F-150 and has a $750+/month car payment, was making fun of my van. We were at her house and I'm playing on the floor w/my baby nephew. She points out the window to my van, and asks when I'm going to replace.

I say, "Not anytime soon. That's my $60,000 van!"

She says: "Wha?"

I said, "Yeah, few years back, me and DH went car shopping for a new vehicle. Found a sweet $35,000 Chrysler Town and Country fully loaded - a real Deal!"

Her: "And?"

Me: "And, after sleeping on it, I say to DH that I think we should keep driving the perfectly good (paid off) mini-van we already own. He agrees and instead of purchasing a new clown car, we start investing the would-be $500/month car payment into stocks and mutual funds."

Mind you, we started investing this 'would-be' car payment in Sept. 2007 (just before the big crash) but continued faithfully investing that $500/month through Sept. 2013.

Today, as you well guessed, that 'car fund' is now worth $60,000+.

Back to my S-I-L. I sigh, glance out the window and say to her, "I guess if I had replaced 'Ole Rusty with that sweet Chrysler back in 2007, then today I'd have....well, I'd have a 7 year old mini-van that's worth about $9000."

"Instead, I have a perfectly sound vehicle with a few rust stains here and there and an investment account I can draw from anytime I want to purchase a reliable 'new' used vehicle down the road."

She was pretty dumbfounded by the math.



Goldielocks

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Re: Mustachian People Problems (just for fun)
« Reply #719 on: October 31, 2014, 06:40:35 PM »
Cyclists can receive moving violation tickets against whatever ID they provide..  Just like getting a ticket for open alcohol in public, or jaywalking, or causing a public nuisance, or breaking noise bylaws, etc.

I think that cyclists are not licensed, because they rarely illegally park, rarely hit and run with damages, and rarely cause grevious injuries to others even if cycling without much experience.

Pooperman

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Re: Mustachian People Problems (just for fun)
« Reply #720 on: October 31, 2014, 06:43:22 PM »
Talked to a guy at work. He's semimustachianish I guess. House in Brooklyn he plans to own for a long time. 10 year old car. However, we got to talking about saving and retiring and stuff. He asked me what I thought I'd need and I told him 750k. He told me that was too little. I asked him what 4% of 750k was. He did th math and then understood. I said realistically it will be double that. Which is more than enough. I live on 27k/yr for 2 adults in a very high col area.

Problem: people just not understanding the math we take for granted.

Another issue: town we live in is very town-y but also doesn't have any large supermarkets (or any supermarkets). It does, however, have a 9/mo gym in the red center I can walk to from my apartment if so inclined. And library right next to it. And trails by a river. So the only complaint is supermarket is lacking (10 min drive away to the 24hr place).

EastCoastMike

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Re: Mustachian People Problems (just for fun)
« Reply #721 on: October 31, 2014, 08:17:22 PM »
I reserved an economy rental car for a (long drive) business trip.

When I went to pick up the car, all they had was an SUV so they "did me a favor" and I "got upgraded like 3 levels" to the SUV for free.

All I can think about is the 8 extra galloons of gas this beast will waste versus the nice 40mpg economy I wanted.  It also drove like a tank. I feel like I was supposed to be appreciative of the extra headroom or whatever it is that people casually rent SUVs for in the middle of a week in the summer.

I drive a small car and love the handling. Whenever I travel for work, I always request a small car. They always try to upgrade me and I reject it. They look at me puzzled.

I can't stand driving those huge behemoths! I can't park those things. One time my mechanic gave me a huge pickup truck loaner. I was so nervous parking that thing. It took about 10 cuts to get me into a parking spot. Never again!!!

Oddly enough, my company doesn't allow me to rent vehicles below mid-size, so I always end up with some Buick.  I expressed my gratitude and appreciation in the proper places, and now I don't travel.  I like it that way.

EconoWiser

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Re: Mustachian People Problems (just for fun)
« Reply #722 on: November 02, 2014, 03:42:39 AM »
I hate shopping for clothes and don't know what the latest fashion styles are.

fartface

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Re: Mustachian People Problems (just for fun)
« Reply #723 on: November 02, 2014, 10:41:39 AM »
I hate shopping for clothes and don't know what the latest fashion styles are.

Gawd, me too!

+1

BooksAreNerdy

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Re: Mustachian People Problems (just for fun)
« Reply #724 on: November 02, 2014, 11:03:48 AM »
I hate shopping for clothes and don't know what the latest fashion styles are.

+1

We have a used store here callwd Plato's closet that only buys stuff that is super stylin'. I feel sort of safe shopping there because they ha e already selected the trendy for me. All I have to do is match the top part to the bottom part.

Cinder

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Re: Mustachian People Problems (just for fun)
« Reply #725 on: November 02, 2014, 05:48:49 PM »
I hate shopping for clothes and don't know what the latest fashion styles are.

+1

We have a used store here callwd Plato's closet that only buys stuff that is super stylin'. I feel sort of safe shopping there because they ha e already selected the trendy for me. All I have to do is match the top part to the bottom part.

We have a plato's closet, and the least trendy things I can find there are still worlds better then what I can put together for myself at a regular retail store, and you can have some killer deals ($10 bag of clothes?  1$ per item clearance days? sign me up!)

MoneyCat

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Re: Mustachian People Problems (just for fun)
« Reply #726 on: November 04, 2014, 03:35:29 PM »
Here's a problem I've had since I turned Mustachian:

I now loathe having to go inside the bank to talk with the tellers, because they see the amount in my accounts and start pitching me every loan product under the sun.  The most common one has been a home equity loan.  I know they are just doing their job, but it's really annoying.

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #727 on: November 04, 2014, 03:55:00 PM »
Here's a problem I've had since I turned Mustachian:

I now loathe having to go inside the bank to talk with the tellers, because they see the amount in my accounts and start pitching me every loan product under the sun.  The most common one has been a home equity loan.  I know they are just doing their job, but it's really annoying.
Why do you go inside banks?!

retired?

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Re: Mustachian People Problems (just for fun)
« Reply #728 on: November 04, 2014, 07:35:21 PM »
OSUBear - I don't know if you are joking, but that has certainly occurred to me RE my friends.  I walk to the grocery store, library, etc. why???  Hell, amongst my friends while in my 20s that and biking was quite the indicator of a dui.

My friends are convinced that my recent switch to biking wherever I can is due to a D.U.I.  :-)

horsepoor

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Re: Mustachian People Problems (just for fun)
« Reply #729 on: November 04, 2014, 09:54:10 PM »
Right after upping my pre-tax contributions to 40% for the rest of the year, I was just notified that I'd be getting a cash award at some point "in the next couple months" which makes it kind of hard to dial in to my contribution limit.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #730 on: November 05, 2014, 07:46:45 AM »
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #731 on: November 05, 2014, 08:55:17 AM »
Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards. 
No, its really streightforward.
A loan means the bank makes money. But also means they have to lose something
Now if that guy has lots of money, the probability for a loss is low.

People with Lots of money are the best targets for loans, they pay them back and dont look at fees and other tiny things!


Or, as my most beloved cynic Oscar Wilde said: A bank is an institution where you can borrow money - if you can prove that you dont need it.

4alpacas

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Re: Mustachian People Problems (just for fun)
« Reply #732 on: November 05, 2014, 12:09:46 PM »
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?

I use a bank because there's a Chase ATM on every second block in NYC, which is super handy for making withdrawals (most merchants in my area don't take credit cards) and deposits (my husband makes a lot of income in cash and checks that I can't get direct deposited). This is not true for any of the local credit unions.

Banks figure that anyone with large cash reserves will have more resources to pay off a loan, I assume.
But you don't have to go inside a bank and deal with a bank teller to do either of those things.  I also deposit physical checks through an app on my phone.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #733 on: November 05, 2014, 12:24:33 PM »
Why do you go inside banks?!

I suppose the companion question would be: Why do you have a significant amount of cash sitting in a bank account?  Even an ING Direct account earns 0.75% APY, which is more than any physical bank will pay, and your money is just an ACH away from your traditional bank account.

Wait, why would a bank try to loan you money if you have a significant amount sitting in your account?  That's backwards.  You don't need a loan, you have unused money in your account.  I would think they would try to loan you money if you had a low balance and/or were getting overdraft fees.

My follow up question is: Why are people still dealing with banks instead of credit unions?

I use a bank because there's a Chase ATM on every second block in NYC, which is super handy for making withdrawals (most merchants in my area don't take credit cards) and deposits (my husband makes a lot of income in cash and checks that I can't get direct deposited). This is not true for any of the local credit unions.

Banks figure that anyone with large cash reserves will have more resources to pay off a loan, I assume.

As far as a know many credit unions are all connected and have reciprocal agreements to waive access fees for ATM use, essentially giving you free ATM access everywhere.  I don't use ATMs though, so you would need to check into that.  You can deposit checks with an app on your phone negating the need to ever step foot on bank/CU property to ever cash a check.  Depositing cash is another story and will require you do go into a physical location though.

If your husband gets paid in cash though, and you constantly visit ATMS, why don't you just cut the bank out and be your own ATM?

Also how do most merchants not take credit cards? That's unheard of (by me).

Having a large cash reserve negates the entire reason for needing a loan.  You need loans when you don't have the cash.  Maybe next time they ask you (or whoever it was) should educate the bank teller on how money works?

MandalayVA

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Re: Mustachian People Problems (just for fun)
« Reply #734 on: November 05, 2014, 01:30:24 PM »

Also how do most merchants not take credit cards? That's unheard of (by me).

Major cities have a LOT of mom and pop stores and restaurants that won't take credit cards.  My husband and I were in Pittsburgh a couple of weeks ago and except for one every restaurant was cash only.  Fortunately our ATM cards are with Fidelity, which refunds any transaction fees on cash withdrawals.   
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #735 on: November 05, 2014, 01:32:23 PM »

Also how do most merchants not take credit cards? That's unheard of (by me).

Major cities have a LOT of mom and pop stores and restaurants that won't take credit cards.  My husband and I were in Pittsburgh a couple of weeks ago and except for one every restaurant was cash only.  Fortunately our ATM cards are with Fidelity, which refunds any transaction fees on cash withdrawals.

I get pissed when one doesn't accept amex and I lose out on rewards points by having to use my MC (which aren't nearly as rewarding as amex).  I have only encountered a few places that don't accept CC.

UnleashHell

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Re: Mustachian People Problems (just for fun)
« Reply #736 on: November 05, 2014, 01:43:11 PM »
A problem of my own making..
I forgot to budget for the property tax on my house. I’ve got no mortgage so theres no monthly payment into  an escrow account for it.
I’ll have to use the cash on hand to pay it instead of applying those funds elsewhere. Inconvenient though…. Must set up a category on mint to remind me.
_____________
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johnny847

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Re: Mustachian People Problems (just for fun)
« Reply #737 on: November 05, 2014, 05:35:25 PM »
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!

Well if they don't take credit cards outright, yup I agree, they're almost certainly trying to avoid taxes.
If they're only taking credit cards for transactions over $X, then it's not as clear. I would like to give them the benefit of the doubt on this one.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #738 on: November 06, 2014, 01:33:44 AM »
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!
Funny, you never been to germany, right?
The majority of people here dont own a credit card and most small shops dont accept them - or at least the hardware to do this is so hidden nobody knows ^^ and nobody wants. Why? It just takes longer, costs more etc.
And the shop owner definitely doesnt lose customer.

Caella

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Re: Mustachian People Problems (just for fun)
« Reply #739 on: November 06, 2014, 06:33:08 AM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

FunkyStickman

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Re: Mustachian People Problems (just for fun)
« Reply #740 on: November 06, 2014, 06:35:52 AM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
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Maigahane

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Re: Mustachian People Problems (just for fun)
« Reply #741 on: November 06, 2014, 07:02:28 AM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #742 on: November 06, 2014, 08:55:06 AM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.

sheepstache

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Re: Mustachian People Problems (just for fun)
« Reply #743 on: November 06, 2014, 11:55:09 AM »
Your walking/biking commute means you see new restaurants and shops in the neighborhood before your friends and family do.

But you hate going out to restaurants and shops so you can't tell them.

Caella

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Re: Mustachian People Problems (just for fun)
« Reply #744 on: November 06, 2014, 12:19:14 PM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).

I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.

Good tip, you find a way to keep my left foot "stuck" somewhere to avoid this problem.

Louis the Cat

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Re: Mustachian People Problems (just for fun)
« Reply #745 on: November 06, 2014, 02:19:21 PM »
I always asked for a medium-size econobox, even though a nicer one is like $2 more per day.

Mustachian people problems: finding a rental car with a manual transmission (in the US).



I've never drove an automatic transmission car, and can't find a manual transmission car to rent on my incoming trip to the US!
Just hope it's as easy to drive as they say.

Every time you come to a stop, you'll put your left (clutch) foot down out of habit. Other than that, it's pretty much the same. :)
You might accidentally slam on the brakes while accelerating but yeah, once you get used to the idea of not using your left foot you'll be fine

Seriously, you might want to place your left foot as far left as possible, or loosely tie it to the door handle or something to remind you.  Slamming on the brakes by accident could be dangerous.

Good tip, you find a way to keep my left foot "stuck" somewhere to avoid this problem.

Most automatics have some kind of dead pedal/foot rest to the far left of the knee well. When I drive an auto, I plant my left foot there so if I do try to clutch, I kick the hell out of the floor, not the brake.

BlueHouse

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Re: Mustachian People Problems (just for fun)
« Reply #746 on: November 06, 2014, 02:34:14 PM »
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!
Uh, no.  There are many small businesses where it just doesn't pay to accept credit cards and if their customers don't expect it, then there's no problem.  I'm a small business and I don't accept credit cards.  Admittedly, I don't sell my services to the general public, but I routinely fill out government forms that ask what types of payment I accept.  My answer is only cash and corporate checks.  I am not losing any business with my decision and I would not make any additional money by accepting credit.  Oh, and I pay WAY MORE than my fair share of taxes*.

fair = my estimate of what's fair.  I try to avoid paying more than required, but I'm sure I'm not fully utilizing all available tax loopholes.   
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Paul der Krake

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Re: Mustachian People Problems (just for fun)
« Reply #747 on: November 06, 2014, 05:48:10 PM »
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out.  Sure, the vendor will say "Oh, oh, that 3% charge from VISA is just killing me!" but they are losing a hell of a lot more than 3% of their business by not accepting credit cards.  However if you live somewhere that small businesses may be paying upwards of 50% income tax, hell yes it's worth losing a few customers to avoid paying 50% income taxes!

Well if they don't take credit cards outright, yup I agree, they're almost certainly trying to avoid taxes.
If they're only taking credit cards for transactions over $X, then it's not as clear. I would like to give them the benefit of the doubt on this one.
I know at least one small business owner who didn't take them until very recently, and it had everything to do with stubborness and being suspicious of change, not malice. He had been running it for 30 years as a cash only affair and just didn't see the need to change.

Cinder

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Re: Mustachian People Problems (just for fun)
« Reply #748 on: November 07, 2014, 08:54:02 AM »
You guys are funny.  Anybody who doesn't take credit cards is evading taxes, plain and simple.  I can't believe nobody is calling it out. 

To be fair, you DID say 'Anybody'.  I had thought the same thing as BlueHouse.  I'm also an engineering type, and I have gotten mad at people who give true / false questions that say 'any' when they means 'mostly'.   

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #749 on: November 07, 2014, 01:28:23 PM »
Ugh, the discussion was about restaurants, laundromats, etc.  Those are consumer-facing businesses that have transactions in the $5 - $50 range.  It's not like I don't know a lot of people who do this.  I'm not going to turn them in to the IRS because I know how hard it is for a small business to compete against big businesses, but by your own admission you're not even running anything close to the same kind of business as what the discussion is about here.
If you are talking about "low money", consumer businesses they are the ones not using Credit Cards. CCs are more widely accepted when you tal about higher amounts of money and business oriented.
At least thats here in good ol' germany ;)