Author Topic: Mustachian People Problems (just for fun)  (Read 3684246 times)

RWD

  • Walrus Stache
  • *******
  • Posts: 5053
  • Location: Mississippi
Re: Mustachian People Problems (just for fun)
« Reply #7300 on: March 08, 2020, 09:25:44 AM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

For time 5-6 years is the normal limit. If your car is rarely parked in the sun and stored in a garage then longer may be fine. In addition to reduced performance you need to worry about sudden tread delamination as tires age.

For tread the wear bars are the legal limit. At that point your wet road performance is already significantly reduced. Risk of hydroplaning goes up a lot after after about double the wear bar depth. Depending on how much rainy day driving you do replacing between 2 mm and 3 mm of depth would be advised.

rantk81

  • Pencil Stache
  • ****
  • Posts: 743
  • Age: 39
  • Location: Chicago
Re: Mustachian People Problems (just for fun)
« Reply #7301 on: March 08, 2020, 10:05:38 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

sui generis

  • Handlebar Stache
  • *****
  • Posts: 2352
Re: Mustachian People Problems (just for fun)
« Reply #7302 on: March 08, 2020, 11:18:58 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

Poundwise

  • Handlebar Stache
  • *****
  • Posts: 1832
Re: Mustachian People Problems (just for fun)
« Reply #7303 on: March 08, 2020, 11:47:22 AM »
Ha true, I didn't think of it that way, but slow rising dough is completely an MPP, and happens all the time to me. We keep that thermostat turned down!

rantk81

  • Pencil Stache
  • ****
  • Posts: 743
  • Age: 39
  • Location: Chicago
Re: Mustachian People Problems (just for fun)
« Reply #7304 on: March 08, 2020, 11:57:14 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

Try to find the warmest ambient place in your home. Maybe on top of the refrigerator? 

sui generis

  • Handlebar Stache
  • *****
  • Posts: 2352
Re: Mustachian People Problems (just for fun)
« Reply #7305 on: March 08, 2020, 12:11:09 PM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

Try to find the warmest ambient place in your home. Maybe on top of the refrigerator?

Probably in the bed with us, next time!  That oughta do it!

Alternatepriorities

  • Handlebar Stache
  • *****
  • Posts: 1162
  • Age: 40
  • Location: Alaska
  • Engineer, explorer, investor
    • Alternate Priorities
Re: Mustachian People Problems (just for fun)
« Reply #7306 on: March 08, 2020, 01:56:16 PM »
MMP: Feeling left out...

Between half a freezer of food we harvested last summer, a pantry full partially used bulk purchases, and an accidental double purchase of Costco TP months ago I can't think of a single thing to run out and panic buy! I tried buying stocks, but everyone else was selling so I missed the herd on that too.


Dicey

  • Senior Mustachian
  • ********
  • Posts: 16580
  • Age: 63
  • Location: NorCal
Re: Mustachian People Problems (just for fun)
« Reply #7307 on: March 08, 2020, 08:37:10 PM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

For time 5-6 years is the normal limit. If your car is rarely parked in the sun and stored in a garage then longer may be fine. In addition to reduced performance you need to worry about sudden tread delamination as tires age.

For tread the wear bars are the legal limit. At that point your wet road performance is already significantly reduced. Risk of hydroplaning goes up a lot after after about double the wear bar depth. Depending on how much rainy day driving you do replacing between 2 mm and 3 mm of depth would be advised.
Ha! It rained exactly zero days in the month of February. That's my MPP. I know the markers, I just don't want to wait for them.

moof

  • Pencil Stache
  • ****
  • Posts: 661
  • Location: Beaver Town Orygun
Re: Mustachian People Problems (just for fun)
« Reply #7308 on: March 08, 2020, 08:51:31 PM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

ysette9

  • Walrus Stache
  • *******
  • Posts: 7826
  • Location: Bay Area at heart living in the PNW
    • The Best Is Yet To Come
Re: Mustachian People Problems (just for fun)
« Reply #7309 on: March 08, 2020, 09:21:25 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands

Dicey

  • Senior Mustachian
  • ********
  • Posts: 16580
  • Age: 63
  • Location: NorCal
Re: Mustachian People Problems (just for fun)
« Reply #7310 on: March 08, 2020, 09:24:52 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands
Mine does that too, be a use DH uses synthetic oil. The car can be easily reprogrammed to make this nanny-car warning stop. Check the manual, or just keep ignoring it, lol.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7311 on: March 08, 2020, 11:11:53 PM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

This will be YMMV.  I did that once and discovered my oven uses the broiler coil during preheating and burned the tops of my croissants.  Even with a different design the coils will be putting out high radiant heat compared to regular oven operation

TJ also has no-proof croissants that you can bake straight from frozen.  I donít know how they are different and they still suggest letting it sit out for half an hour before baking.  They are also cheaper so... maybe just drizzle chocolate on top?

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home

« Last Edit: March 08, 2020, 11:19:15 PM by dragoncar »

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7312 on: March 08, 2020, 11:17:27 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands
Mine does that too, be a use DH uses synthetic oil. The car can be easily reprogrammed to make this nanny-car warning stop. Check the manual, or just keep ignoring it, lol.

I have been known to go too long between oil changes based on time not mileage but there are reasons to change it before you hit the miles.  Those oil computers do take into account short trips and engine temperature to try to estimate if you are risking by excessive moisture in your oil (nice long trips boil off all built up moisture).  If you change your own oil itís cheap enough that I would prefer to do it slightly more often rather than risk engine damage over time.  That said I donít have a fancy oil computer and usually end up forgetting until the idiot lamp comes on and I realize itís been 2 years since my last change.

Zaga

  • Magnum Stache
  • ******
  • Posts: 2825
  • Age: 41
  • Location: North of Pittsburgh, PA
    • A Wall of Hats
Re: Mustachian People Problems (just for fun)
« Reply #7313 on: March 09, 2020, 04:52:31 AM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

This will be YMMV.  I did that once and discovered my oven uses the broiler coil during preheating and burned the tops of my croissants.  Even with a different design the coils will be putting out high radiant heat compared to regular oven operation

TJ also has no-proof croissants that you can bake straight from frozen.  I donít know how they are different and they still suggest letting it sit out for half an hour before baking.  They are also cheaper so... maybe just drizzle chocolate on top?

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7314 on: March 09, 2020, 05:13:19 AM »

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.

Duh... I was almost there wasnít I?  But I just couldnít make the final leap and ya boomed me

rantk81

  • Pencil Stache
  • ****
  • Posts: 743
  • Age: 39
  • Location: Chicago
Re: Mustachian People Problems (just for fun)
« Reply #7315 on: March 09, 2020, 08:50:35 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

I just paid IL their scam blood money.  I did attempt a quick phone call first to try to get them to waive it.  The guy on the phone was very nice, but said he was not able to waive it, and furthermore was very candid in saying "This is an unfortunate situation. You could fill out IL-2210 to show your income spread out throughout the year, but it isn't worth the effort for $25."
« Last Edit: March 09, 2020, 09:01:02 AM by rantk81 »

techwiz

  • Handlebar Stache
  • *****
  • Posts: 2335
  • Location: Ontario
Re: Mustachian People Problems (just for fun)
« Reply #7316 on: March 09, 2020, 09:21:46 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

I just paid IL their scam blood money.  I did attempt a quick phone call first to try to get them to waive it.  The guy on the phone was very nice, but said he was not able to waive it, and furthermore was very candid in saying "This is an unfortunate situation. You could fill out IL-2210 to show your income spread out throughout the year, but it isn't worth the effort for $25."

I think there is a reason they picked the value of the penalty to be low enough that most would not fight it.

merula

  • Handlebar Stache
  • *****
  • Posts: 1459
Re: Mustachian People Problems (just for fun)
« Reply #7317 on: March 09, 2020, 12:36:58 PM »
MPP: I front-loaded my 401k for the first time and now the market downturn is making that look like a bad decision.

My company does biweekly paychecks and pays bonuses in February. I typically put half of the third paycheck into my 401K, and I did that for the third paycheck in January. Then in February, I got a bonus that, when combined with my YTD contributions, would allow me to max out the 401K, *AND* for the first time I learned how much the bonus was before the cut-off date to change the allocation.

So I decided to do that. And now all those contributions are down ~15% and it's throwing off my spreadsheets. It'll be fine in the long run, but right now I'm annoyed.

Alternatepriorities

  • Handlebar Stache
  • *****
  • Posts: 1162
  • Age: 40
  • Location: Alaska
  • Engineer, explorer, investor
    • Alternate Priorities
Re: Mustachian People Problems (just for fun)
« Reply #7318 on: March 09, 2020, 12:48:55 PM »
MPP: I front-loaded my 401k for the first time and now the market downturn is making that look like a bad decision.

My company does biweekly paychecks and pays bonuses in February. I typically put half of the third paycheck into my 401K, and I did that for the third paycheck in January. Then in February, I got a bonus that, when combined with my YTD contributions, would allow me to max out the 401K, *AND* for the first time I learned how much the bonus was before the cut-off date to change the allocation.

So I decided to do that. And now all those contributions are down ~15% and it's throwing off my spreadsheets. It'll be fine in the long run, but right now I'm annoyed.

I did the same thing with our Roth IRAs this year. Also for the first time. I resemble that closing remark.

sui generis

  • Handlebar Stache
  • *****
  • Posts: 2352
Re: Mustachian People Problems (just for fun)
« Reply #7319 on: March 09, 2020, 02:52:32 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

SwordGuy

  • Walrus Stache
  • *******
  • Posts: 8215
  • Location: Fayetteville, NC
Re: Mustachian People Problems (just for fun)
« Reply #7320 on: March 09, 2020, 03:30:00 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

If you could just magically move it straight from one to the other, it wouldn't matter.   As it is, you could lose a bit.  Or gain a bit.

Does the amount you could lose matter all that much?

sui generis

  • Handlebar Stache
  • *****
  • Posts: 2352
Re: Mustachian People Problems (just for fun)
« Reply #7321 on: March 09, 2020, 03:32:40 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

If you could just magically move it straight from one to the other, it wouldn't matter.   As it is, you could lose a bit.  Or gain a bit.

Does the amount you could lose matter all that much?

No.  The total amount in the account is less than $10k.  Thanks for reminding me for another reason I should just do it!

Sibley

  • Walrus Stache
  • *******
  • Posts: 5439
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7322 on: March 09, 2020, 07:26:50 PM »
My 401k provider hasn't updated yet for today's market drop. I wanna see how far down the graph went!!!

Context: I am kinda enjoying watching this wild ride. Instead of feeling anxious, I think it's cool. Yes, I'm weird. But since the 401k hasn't rolled through yet, I can't get the full drop in value to see how far down the graph goes.

Morning Glory

  • Magnum Stache
  • ******
  • Posts: 3080
  • Location: The Garden Path
Re: Mustachian People Problems (just for fun)
« Reply #7323 on: March 10, 2020, 08:24:58 AM »
My 401k provider hasn't updated yet for today's market drop. I wanna see how far down the graph went!!!

Context: I am kinda enjoying watching this wild ride. Instead of feeling anxious, I think it's cool. Yes, I'm weird. But since the 401k hasn't rolled through yet, I can't get the full drop in value to see how far down the graph goes.

I got paid today but my contribution won't post until Friday, so I will miss most of this dip. Wahhhh!!!

Another mpp: we are waiting to do another cc bonus until our mortgage refinance goes through, so we decided to do a low spend month and clean out the freezer, pantry, etc. I had to buy a new suit the other day and I told my husband I felt like I was "wasting my spend"  because it wouldn't count towards a bonus.

Zaga

  • Magnum Stache
  • ******
  • Posts: 2825
  • Age: 41
  • Location: North of Pittsburgh, PA
    • A Wall of Hats
Re: Mustachian People Problems (just for fun)
« Reply #7324 on: March 10, 2020, 04:56:06 PM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7325 on: March 11, 2020, 03:53:56 AM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

Similar problem here.  401k contribution on Tuesday just in time to buy 5% higher and tomorrow looks down again

Zaga

  • Magnum Stache
  • ******
  • Posts: 2825
  • Age: 41
  • Location: North of Pittsburgh, PA
    • A Wall of Hats
Re: Mustachian People Problems (just for fun)
« Reply #7326 on: March 11, 2020, 05:00:28 AM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

Similar problem here.  401k contribution on Tuesday just in time to buy 5% higher and tomorrow looks down again
Yep, just checked and it went in Tuesday instead of Monday like usual.  I have such a hard life...

fell-like-rain

  • Stubble
  • **
  • Posts: 122
  • Location: Massachusetts
Re: Mustachian People Problems (just for fun)
« Reply #7327 on: March 11, 2020, 07:29:38 AM »
Similar problem here- I did some TLH exchanges Monday, but didnít have time to get the orders in before 4.. So they execute yesterday at close (mutual funds) and now I have $500 less in losses than I expected, and Iíll have to exchange more shares to hit -$3000...

eyesonthehorizon

  • Stubble
  • **
  • Posts: 185
  • Location: Texas
Re: Mustachian People Problems (just for fun)
« Reply #7328 on: March 11, 2020, 09:45:45 AM »
But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.
Duh... I was almost there wasnít I?  But I just couldnít make the final leap and ya boomed me
I hate replacing the oven bulb. So my solution when it's below about 72į above my fridge has been to preheat the oven to a low temp for a few minutes, kill it, wait a few minutes more (so the coils are no longer too warm), and then stash the proofing dough in there to rise in a nice, cozy 85į oven. Summer dough rise in midwinter. (Run the house fan for a minute to distribute that nice warm gust of oven air if you won't be in the kitchen afterward.)

My MPP of the day is that the temperature outside is unreasonably and unseasonably perfect, but I have indoor housework to get done and refuse let in that 80% humidity, lest I need the AC later.

SquashingDebt

  • Bristles
  • ***
  • Posts: 405
Re: Mustachian People Problems (just for fun)
« Reply #7329 on: March 12, 2020, 05:42:49 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

DadJokes

  • Handlebar Stache
  • *****
  • Posts: 2040
Re: Mustachian People Problems (just for fun)
« Reply #7330 on: March 12, 2020, 05:51:32 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

Hopefully the refund doesn't result in a bonus on the other card being clawed back.

secondcor521

  • Magnum Stache
  • ******
  • Posts: 4020
  • Age: 52
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Mustachian People Problems (just for fun)
« Reply #7331 on: March 12, 2020, 11:53:34 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

If I were in your shoes, I'd use the one for the bonus until the bonus is satisfied.  You can always call the one with the negative balance and ask them to send you a credit balance refund check.  Usually takes about a week to get in the mail.

SquashingDebt

  • Bristles
  • ***
  • Posts: 405
Re: Mustachian People Problems (just for fun)
« Reply #7332 on: March 12, 2020, 04:42:30 PM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

Hopefully the refund doesn't result in a bonus on the other card being clawed back.

That's my Chase Sapphire Reserve, which I've had forever, so I might lose some points but no bonus.


I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

If I were in your shoes, I'd use the one for the bonus until the bonus is satisfied.  You can always call the one with the negative balance and ask them to send you a credit balance refund check.  Usually takes about a week to get in the mail.

Good to know!  I wondered if that was an option but hadn't looked into it yet.

Threshkin

  • Handlebar Stache
  • *****
  • Posts: 1088
  • Location: Colorado
    • My Journal
Re: Mustachian People Problems (just for fun)
« Reply #7333 on: March 13, 2020, 10:23:16 PM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

We replaced the tires on our van last year due to age, not wear.  They were 10 years old and still had lots of tread.

Our 20+ year old van only has 150K miles, our current average is under 3K a year.  Mileage might go up a little this year since we are building a bed frame so we can use it as a camper.

Linea_Norway

  • Walrus Stache
  • *******
  • Posts: 7657
  • Location: Norway
Re: Mustachian People Problems (just for fun)
« Reply #7334 on: March 18, 2020, 12:41:08 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

Sugaree

  • Handlebar Stache
  • *****
  • Posts: 1184
Re: Mustachian People Problems (just for fun)
« Reply #7335 on: March 18, 2020, 03:58:00 AM »
Does your library not offer Kindle books?

Raenia

  • Handlebar Stache
  • *****
  • Posts: 1777
Re: Mustachian People Problems (just for fun)
« Reply #7336 on: March 18, 2020, 05:19:03 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

LennStar

  • Magnum Stache
  • ******
  • Posts: 2541
  • Location: Germany
Re: Mustachian People Problems (just for fun)
« Reply #7337 on: March 18, 2020, 06:21:13 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

Raenia

  • Handlebar Stache
  • *****
  • Posts: 1777
Re: Mustachian People Problems (just for fun)
« Reply #7338 on: March 18, 2020, 06:59:24 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

I know there are ways to make it work, but reading on a computer screen hurts my eyes - part of why I don't have a tablet already.  MPP!  I strongly prefer physical books.  Possibly I'll buy a book or two that I've had on my TBR list which neither of my local library systems have, otherwise there are plenty of books in the house already so I won't be bored.

sui generis

  • Handlebar Stache
  • *****
  • Posts: 2352
Re: Mustachian People Problems (just for fun)
« Reply #7339 on: March 18, 2020, 08:01:35 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

Libraries definitely do have this. Some e-books can also be read in Adobe e-pub which I don't believe requires downloading anything, plus some can be read through apps like Overdrive.

Shinplaster

  • Handlebar Stache
  • *****
  • Posts: 1553
  • Location: up in Canada complaining about the weather
Re: Mustachian People Problems (just for fun)
« Reply #7340 on: March 18, 2020, 08:48:24 AM »
I prefer actual books rather than a computer screen too.   But I've found this site is good when I can't find what I want at the library.

https://openlibrary.org/

Easy to use, and I've found some books that have been impossible to find elsewhere.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7341 on: March 18, 2020, 08:53:38 AM »
People hoarding toilet paper when they should have been hoarding books

Our library said keep the books no need to return and they did a way with all penalties a while back too.  Should loaded up the bus

Raenia

  • Handlebar Stache
  • *****
  • Posts: 1777
Re: Mustachian People Problems (just for fun)
« Reply #7342 on: March 18, 2020, 09:12:46 AM »
I prefer actual books rather than a computer screen too.   But I've found this site is good when I can't find what I want at the library.

https://openlibrary.org/

Easy to use, and I've found some books that have been impossible to find elsewhere.

Thanks, that's a great resource I hadn't heard of.  Sadly they don't have an e-book of the one I was looking for, and the nearest physical copy is nearly 100 miles away.  I'm sure I'll use it in the future, though!

PMG

  • Handlebar Stache
  • *****
  • Posts: 2374
  • Location: USA
Re: Mustachian People Problems (just for fun)
« Reply #7343 on: March 18, 2020, 09:26:34 AM »
People hoarding toilet paper when they should have been hoarding books

Our library said keep the books no need to return and they did a way with all penalties a while back too.  Should loaded up the bus

Somewhere I think I saw @La Bibliotecaria Feroz  mention that her libraries shelves were very empty leading up to their shut down. It gives me much joy to think of people curled up reading away.

Sugaree

  • Handlebar Stache
  • *****
  • Posts: 1184
Re: Mustachian People Problems (just for fun)
« Reply #7344 on: March 19, 2020, 06:06:23 AM »
My son's teacher staged a teleconference last night to read the kids a bedtime story.  It was a nice gesture. 

shelivesthedream

  • Walrus Stache
  • *******
  • Posts: 6739
  • Location: London, UK
Re: Mustachian People Problems (just for fun)
« Reply #7345 on: March 19, 2020, 07:18:28 AM »
My son's teacher staged a teleconference last night to read the kids a bedtime story.  It was a nice gesture.

Oh wow, that's so nice!

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9674
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7346 on: March 19, 2020, 12:32:27 PM »
My son's teacher staged a teleconference last night to read the kids a bedtime story.  It was a nice gesture.

Oh wow, that's so nice!


They probably miss your kids

Threshkin

  • Handlebar Stache
  • *****
  • Posts: 1088
  • Location: Colorado
    • My Journal
Re: Mustachian People Problems (just for fun)
« Reply #7347 on: March 19, 2020, 02:19:56 PM »
People hoarding toilet paper when they should have been hoarding books

Our library said keep the books no need to return and they did a way with all penalties a while back too.  Should loaded up the bus

We have about 40 books checked out from the library.  We went last Saturday morning and picked up a few more books, "just in case".  That afternoon they announced that they were closing and extending all due dates until at least April 20.

I hate reading books on a tablet/laptop, I prefer paper.  But I have never tried a Kindle or other e-reader.  Are they that much different than my old iPad 2?

RetiredAt63

  • Senior Mustachian
  • ********
  • Posts: 15906
  • Location: Eastern Ontario, Canada
Re: Mustachian People Problems (just for fun)
« Reply #7348 on: March 19, 2020, 02:51:02 PM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

My library uses Overdrive, I  have it on my tablet. There are free apps for Kindle and Kobo too.

Sibley

  • Walrus Stache
  • *******
  • Posts: 5439
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7349 on: March 19, 2020, 02:54:48 PM »
People hoarding toilet paper when they should have been hoarding books

Our library said keep the books no need to return and they did a way with all penalties a while back too.  Should loaded up the bus

We have about 40 books checked out from the library.  We went last Saturday morning and picked up a few more books, "just in case".  That afternoon they announced that they were closing and extending all due dates until at least April 20.

I hate reading books on a tablet/laptop, I prefer paper.  But I have never tried a Kindle or other e-reader.  Are they that much different than my old iPad 2?

Yes. If you're getting one that is actually an ereader, not a tablet that can function as one. Tablets have a shiny screen. ereaders are matte, not gloss. I don't like them much myself though I do have an older kindle. They definitely serve a purpose though.