Author Topic: Mustachian People Problems (just for fun)  (Read 4454620 times)

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #8000 on: October 06, 2020, 03:56:50 AM »

That's the CL pattern, as far as I can tell.  Many, many people will ping you with a text asking if it's still available and that they'll be by to pick it up ASAP.  As soon as you reply in a positive fashion, then they suddenly can't find the time to stop by.
Well, ASAP means as soon as possible. If it isn't possible this month...

talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #8001 on: October 06, 2020, 06:16:39 AM »
@jinga nation , is your street really named "Bag End"?

I'd seriously put up with a sub-optimal house if my address could have any of about a dozen places from those books in the street name.

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #8002 on: October 06, 2020, 06:31:33 AM »
@jinga nation , is your street really named "Bag End"?

I'd seriously put up with a sub-optimal house if my address could have any of about a dozen places from those books in the street name.

Oooh!  In undergrad my husband lived on Hobbit Street for a year, and then moved to Underhill Drive.  I always thought it was awesome, until I had to explain WHY so often, haha.  I'd love it if there was really a Bag End.

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #8003 on: October 06, 2020, 08:06:33 AM »
@jinga nation , is your street really named "Bag End"?

I'd seriously put up with a sub-optimal house if my address could have any of about a dozen places from those books in the street name.

i don't like the term 'cul-de-sac'. One syllable too many. Sadly I live on just another 'Lane'.
Bag End sounds much better. Hobbitish too.
« Last Edit: October 06, 2020, 08:43:20 AM by jinga nation »

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #8004 on: October 06, 2020, 08:53:45 AM »
Unsure if this qualifies for a MPP or maybe a Mustachian's Pet Peeve:

I'm clearing out my garage and getting rid of things I don't need. I placed a Craigslist ad a few months back giving away some car parts for free. No takers even though I renewed the ad weekly. Last night decided to price each item for a buck, $3 total. 

Today a guy messages me saying he can pick it up ASAP. I don't give my address, but I used the CL relay reply email as well as my Google Voice number to message him to meet me at the cul-de-sac (bag-end) on my street for the items. No reply.

I'm assuming people use the term ASAP without a feckin clue. Never had issues selling on CL in 15 years, maybe I was lucky.

Ad: https://tampa.craigslist.org/hil/pts/d/tampa-honda-parts/7208198526.html

That's the CL pattern, as far as I can tell.  Many, many people will ping you with a text asking if it's still available and that they'll be by to pick it up ASAP.  As soon as you reply in a positive fashion, then they suddenly can't find the time to stop by.

My CL policy is that the first person to show up with cash gets it.  So I don't worry about no-shows or flakes, and I don't hold items for people or worry about being fair.  It's available until someone is on my doorstep and trading me greenbacks for the item.

At least he was polite to message me this morning apologizing. Have given him tomorrow morning to pick up. No other takers, so beggar me can't choose.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #8005 on: October 19, 2020, 12:24:54 PM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.
 

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #8006 on: October 19, 2020, 12:46:33 PM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

@gaja ,  check out the blog "No More Harvard Debt".   Guy got tired of $95k in student loans on a $65k salary, so he decided to pay them off in a year.   Sold his expensive toys, rented out 3 bedrooms in his house, quit going out drinking with his buds, and worked a succession of 2nd jobs to raise more money.   Did it in less than a year.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #8007 on: October 19, 2020, 12:58:57 PM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

This is awesome! Good job.

Steeze

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Re: Mustachian People Problems (just for fun)
« Reply #8008 on: October 19, 2020, 02:36:04 PM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

This is awesome! Good job.

Read: Teacher wrote a case study to her freshman class, got offended when told they could save 2/3 of their income. Gave student a bad grade.

The correct answer is, “consolidate the loans at a lower interest rate and make minimum payments to continue lifestyle. Complain about debt while at Starbucks.” For this you get an ‘A’

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #8009 on: October 20, 2020, 12:37:04 AM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score

Your kid ROCKS. Can you please follow up and tell us what grade she got and what the "correct" solution turned out to be?

ETA: typos which sounded weirdly aggressive...
« Last Edit: October 20, 2020, 04:40:56 AM by shelivesthedream »

Sanne

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Re: Mustachian People Problems (just for fun)
« Reply #8010 on: October 20, 2020, 01:12:45 AM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score

Your kid ROCKS. YOU CAN please follow up and tell us what grade she got and what the  correct" solution turned out to be.


Ha, this is awesome! Would love to know the outcome too!
« Last Edit: October 20, 2020, 04:39:05 AM by Sanne »

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #8011 on: October 20, 2020, 04:28:58 AM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

@gaja ,  check out the blog "No More Harvard Debt".   Guy got tired of $95k in student loans on a $65k salary, so he decided to pay them off in a year.   Sold his expensive toys, rented out 3 bedrooms in his house, quit going out drinking with his buds, and worked a succession of 2nd jobs to raise more money.   Did it in less than a year.
That's awesome. Not something I could make.

To the kid (or better parents): Nicely done! Education through explanation and example!

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #8012 on: October 20, 2020, 08:37:12 AM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

This is good for so many reasons!  Your kid is learning that others do not accept big cut backs as an option to reaching ones goals.  She might also be learning that many people don't understand what an actual goal is (something you are willing to work or even sacrifice for to achieve).  Wonderful life lessons.  Once you learn and accept that you are different, it frees you.

Loren

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Re: Mustachian People Problems (just for fun)
« Reply #8013 on: October 20, 2020, 11:01:12 AM »
[Wonderful life lessons. Once you learn and accept that you are different, it frees you.
/quote]

@Loren Ver , you are spot on correct.

My wife and son used to suffer from what I call "Un-coolitus", the fear of not being seen to be cool.

It took awhile, but they finally learned that the coolest thing in the world is someone having a truly awesome time whilst not harming anyone in the process.   So much happier!

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #8014 on: October 20, 2020, 11:59:12 AM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

This is awesome! Good job.

Read: Teacher wrote a case study to her freshman class, got offended when told they could save 2/3 of their income. Gave student a bad grade.

The correct answer is, “consolidate the loans at a lower interest rate and make minimum payments to continue lifestyle. Complain about debt while at Starbucks.” For this you get an ‘A’

Maybe the imaginary guy kalled Kalle was in real life the teacher herself...

Gaja, can you find a reference budget that your daughter can refer to? Or maybe she did that already.

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #8015 on: October 20, 2020, 02:22:09 PM »
Thank you all for your kind words - DD really appreciates them :) And thank you for the tip about the Harvard debt blog, @SwordGuy . She loved it!

The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

This is awesome! Good job.

Read: Teacher wrote a case study to her freshman class, got offended when told they could save 2/3 of their income. Gave student a bad grade.

The correct answer is, “consolidate the loans at a lower interest rate and make minimum payments to continue lifestyle. Complain about debt while at Starbucks.” For this you get an ‘A’

Maybe the imaginary guy kalled Kalle was in real life the teacher herself...

Gaja, can you find a reference budget that your daughter can refer to? Or maybe she did that already.

She used the SIFO reference budget (https://www.oslomet.no/om/sifo/referansebudsjettet), and listed it in her sources. But she cut his clothes budget a bit lower than the reference budget, since she thought he had enough clothes after a long time of over spending. On the other side, she did spend some money on buying him a decent electric bike, and after he had saved up for the down payment on the apartment he got a luxurious $1000 vacation to England where he could go biking in the countryside and visit the Shambles in York.

okisok

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Re: Mustachian People Problems (just for fun)
« Reply #8016 on: October 22, 2020, 05:29:44 PM »
Can't get excited about payday because the money is already spent*

*allocated to savings and bills, not debt :)

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #8017 on: October 22, 2020, 06:06:39 PM »
Can't get excited about payday because the money is already spent*

*allocated to savings and bills, not debt :)

That might be the quintessential MMP.

I was truly excited by payday the very first first paycheck I earned after graduating university. Without it, I would have had to pay interest on a CC. Payday came in time and I paid the balance in full. Every paycheck since has been a little less exciting as it amounts to a smaller and smaller part of my assets. Occasionally I wonder what "paycheck Friday" feels like.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #8018 on: October 22, 2020, 07:36:45 PM »
The oldest kid (14 y.o.) had a project at school where she was supposed to fix the budget of an imaginary guy called Kalle. He spends more than he makes, and wants to save up $40 000 for the down payment on an apartment. My kid took the task seriously; sold his car, got rid of all the loans, and soon had him at a comfortable 63 % savings rate.

Her MPP: the teachers tried telling her that her budget was too extreme, and she had a really hard time convincing them that everything was based on science and experience
My MPP: normally, I let most things glide with the school. But this time I think I'll put in a protest if they give her a lower score.

Nice. When I did this back in early High School a few *ahem* years ago, I had to cut out newspaper clippings to show where I got my values (apartment rent, food, etc) - I also had my dude join the National Guard for extra cash (supported by newspaper clipping.) High savings rate, though I don't remember exactly what it was.

cookielover

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Re: Mustachian People Problems (just for fun)
« Reply #8019 on: October 24, 2020, 05:26:37 PM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #8020 on: October 24, 2020, 07:57:33 PM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.
My car hasn't started in like 3 months, there's a minor fault in the electrical system that drains the battery and I just gave up.  I might get that fixed then sell it.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #8021 on: October 24, 2020, 08:11:08 PM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

Right now I am driving several days a week to my community garden.  Once it is put to bed for the winter all my driving will be within a few km of home, and most likely once a week or less.  I see some random highway driving in my future.

Steeze

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Re: Mustachian People Problems (just for fun)
« Reply #8022 on: October 24, 2020, 08:11:44 PM »
Can't get excited about payday because the money is already spent*

*allocated to savings and bills, not debt :)

That might be the quintessential MMP.

I was truly excited by payday the very first first paycheck I earned after graduating university. Without it, I would have had to pay interest on a CC. Payday came in time and I paid the balance in full. Every paycheck since has been a little less exciting as it amounts to a smaller and smaller part of my assets. Occasionally I wonder what "paycheck Friday" feels like.

Paycheck Friday has been replaced with update the spreadsheet Saturday. Very exciting.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #8023 on: October 25, 2020, 12:14:25 AM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

You might want to consider adding gas stabilizer or draining it out.  I have no real idea how big a problem it could be but I didn’t want to risk it.

I also use a battery tender although it’s still a good idea to drive a little so the tires rotate and try to burn off any moisture in the oil.


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Re: Mustachian People Problems (just for fun)
« Reply #8024 on: October 25, 2020, 09:57:04 AM »
Can't get excited about payday because the money is already spent*

*allocated to savings and bills, not debt :)

That might be the quintessential MMP.

I was truly excited by payday the very first first paycheck I earned after graduating university. Without it, I would have had to pay interest on a CC. Payday came in time and I paid the balance in full. Every paycheck since has been a little less exciting as it amounts to a smaller and smaller part of my assets. Occasionally I wonder what "paycheck Friday" feels like.

Paycheck Friday has been replaced with update the spreadsheet Saturday. Very exciting.

So true. ;)

This week we got word of furloughs happening, so I sat down and plotted out the budget for each month of 2021. Nerds unite!

Travis

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Re: Mustachian People Problems (just for fun)
« Reply #8025 on: October 25, 2020, 05:54:44 PM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.
My car hasn't started in like 3 months, there's a minor fault in the electrical system that drains the battery and I just gave up.  I might get that fixed then sell it.

The beater I'm driving here in Korea had a similar problem. I drive it so infrequently that I didn't bother to get it fixed and I let it sit in the garage for five months. I finally got it jumped and took it in. The next day (and one hour of labor charged) I had it back working fine. Alarm system wire had a short.  I drive it maybe a couple miles per week.  This week I'll fill it up again (or maybe just half way). The last time I put fuel in it was probably around February as well.

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Re: Mustachian People Problems (just for fun)
« Reply #8026 on: October 25, 2020, 07:47:05 PM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

You might want to consider adding gas stabilizer or draining it out.  I have no real idea how big a problem it could be but I didn’t want to risk it.

I also use a battery tender although it’s still a good idea to drive a little so the tires rotate and try to burn off any moisture in the oil.

Gosh, since I replaced the gasoline mower with a nice Ryobi electric a few years ago, I don't have any stabilizer.

GuitarStv

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Re: Mustachian People Problems (just for fun)
« Reply #8027 on: October 26, 2020, 08:50:19 AM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

You might want to consider adding gas stabilizer or draining it out.  I have no real idea how big a problem it could be but I didn’t want to risk it.

I also use a battery tender although it’s still a good idea to drive a little so the tires rotate and try to burn off any moisture in the oil.

Gosh, since I replaced the gasoline mower with a nice Ryobi electric a few years ago, I don't have any stabilizer.

I last purchased gas in March.  Probably a good idea to look for some fuel stabilizer.  Thanks for the reminder!

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #8028 on: October 29, 2020, 07:11:34 AM »
MPP:  My spending is so far under budget this year that I had to make that column wider in Excel.

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Re: Mustachian People Problems (just for fun)
« Reply #8029 on: October 29, 2020, 08:30:40 AM »
Now that we work from home and don't go any where unless it is necessary I have to remember to make effort to drive my car once a while so the car battery won't go dead.

A few weeks ago I had to drive my car aimlessly for an hour or so to re-charge the battery. 

I am still using the gas that I filled up in February.

You might want to consider adding gas stabilizer or draining it out.  I have no real idea how big a problem it could be but I didn’t want to risk it.

I also use a battery tender although it’s still a good idea to drive a little so the tires rotate and try to burn off any moisture in the oil.

Gosh, since I replaced the gasoline mower with a nice Ryobi electric a few years ago, I don't have any stabilizer.

I last purchased gas in March.  Probably a good idea to look for some fuel stabilizer.  Thanks for the reminder!

I thought about this, and did buy some fuel stabilizer. For the lawn mower gas if nothing else! Now the problem is I need to remember to actually use it (and figure out how to use it, but that's a matter of reading the instructions).

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #8030 on: October 29, 2020, 10:26:58 AM »
I always put the fuel stabilizer in the gas can as soon as I get home. Funny story, though... my ten year old daughter had to show me an easier way to get the stabilizer liquid into the measuring part of the container. You open the lid and squeeze the main bottle. It’s like magic. I had been playing this tilt and shake game for years.

Sometimes I feel like an idiot...

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Re: Mustachian People Problems (just for fun)
« Reply #8031 on: October 29, 2020, 02:52:16 PM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #8032 on: October 29, 2020, 03:02:46 PM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

I felt your excitement about a week ago.   I set up my accounts in Quicken and downloaded the balances and recent transactions.   For one 401K provider, it entered my current balance as the starting balance and then created additional transactions to add my current balance to the account, doubling those balances.   An extra half a million showed up!   

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #8033 on: October 29, 2020, 03:36:20 PM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

I felt your excitement about a week ago.   I set up my accounts in Quicken and downloaded the balances and recent transactions.   For one 401K provider, it entered my current balance as the starting balance and then created additional transactions to add my current balance to the account, doubling those balances.   An extra half a million showed up!   

DW and I have our separate retirement accounts at Vanguard, and last year we opened a joint account for taxable savings. The joint account is visible to either of us when we log into Vanguard... Which means Mint sees it twice. It didn't really matter at first, but the account has grown to a relevant percentage of our net worth and Mint is doubling that. Eventually I created a manual "debt" to correct for it.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #8034 on: October 29, 2020, 05:23:07 PM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

I felt your excitement about a week ago.   I set up my accounts in Quicken and downloaded the balances and recent transactions.   For one 401K provider, it entered my current balance as the starting balance and then created additional transactions to add my current balance to the account, doubling those balances.   An extra half a million showed up!   

DW and I have our separate retirement accounts at Vanguard, and last year we opened a joint account for taxable savings. The joint account is visible to either of us when we log into Vanguard... Which means Mint sees it twice. It didn't really matter at first, but the account has grown to a relevant percentage of our net worth and Mint is doubling that. Eventually I created a manual "debt" to correct for it.

Interesting!   Quicken was smart enough not to do that for us.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #8035 on: October 29, 2020, 07:37:13 PM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

I felt your excitement about a week ago.   I set up my accounts in Quicken and downloaded the balances and recent transactions.   For one 401K provider, it entered my current balance as the starting balance and then created additional transactions to add my current balance to the account, doubling those balances.   An extra half a million showed up!   

PC is becoming hot garbage.  I have multiple accounts that will stop working, then come back later but there’s 50 accounts each with the same total balance so I never know which day I’m going to wake up with 8 figures

(It’ll be like “401k-balance” “401k-recent” “401k-holdings” “401k-transactions” and so on.  Then a few days later they disappear or I delete them but they stop updating again

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #8036 on: November 01, 2020, 07:01:25 AM »
Yesterday I logged in to Vanguard to invest in my after tax account.  I got a prompt to transition my Roth and rollover ira to the new brokerage account structure.  Since I'll have to do it eventually, I went ahead and kicked off the transition process.  Today I logged i to Personal Capital to see where this weeks market gyrations put me net worth-wise.  I about had a heart attack when I saw my total was over a million.  I completely forgot about yesterday's transactions. It took me a minute to realize it was because Vanguard was still in the middle of switching my accounts and my Roth and Rollover IRAs were being counted twice.  Being a fake millionaire was nice for that minute before my memory kicked in ;)
I can't wait to join the double comma club for real!

My biggest beef with PC is that when you go to close the old account, there never seems to be a perfect day to list it as closed on. If you do it on the day you still have a balance, it artificially marks your balance as high. if you do it as the day it read $0, it leaves a huge dip in your daily balances and counts the new account as a deposit, artificially inflating your savings rate for the whole year. Once you mark it closed, I don't think you can edit the date either.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #8037 on: November 01, 2020, 02:52:22 PM »
Hit a milestone NW in June. Just noticed it today. Like, really, I've been doing my monthly summation every month but do you think I actually realize that I hit a milestone?!? Nope. Not until I'm halfway to the next one.

I blame the pandemic.

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #8038 on: November 01, 2020, 06:39:14 PM »
Hit a milestone NW in June. Just noticed it today. Like, really, I've been doing my monthly summation every month but do you think I actually realize that I hit a milestone?!? Nope. Not until I'm halfway to the next one.

I blame the pandemic.

LOL

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #8039 on: November 02, 2020, 06:03:29 AM »
I got an alert from TurboTax that my credit score has dropped 20 points.  So I looked it up and yes, it is down to 780.  The reason, my only debt is time between a CC purchase and the next payday when I pay it off.  I'm starting to look for a house to buy, so maybe a mortgage would push it back up a bit.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #8040 on: November 02, 2020, 06:47:48 AM »
I got an alert from TurboTax that my credit score has dropped 20 points.  So I looked it up and yes, it is down to 780.  The reason, my only debt is time between a CC purchase and the next payday when I pay it off.  I'm starting to look for a house to buy, so maybe a mortgage would push it back up a bit.

Do you wait for the statement? Our only debt is revolving cc and we each have high scores.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #8041 on: November 02, 2020, 06:52:15 AM »
Do you wait for the statement? Our only debt is revolving cc and we each have high scores.

Nope, I usually pay it on Friday, sometimes it might slip to the following week.

sherr

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Re: Mustachian People Problems (just for fun)
« Reply #8042 on: November 02, 2020, 07:42:00 AM »
Do you wait for the statement? Our only debt is revolving cc and we each have high scores.

Nope, I usually pay it on Friday, sometimes it might slip to the following week.

Consider waiting until at least the monthly statement to pay it. Often the cashback or airline miles or whatever are calculated based on what the statement says. And that's what's reported to the credit bureaus, so that's what affects your credit score. And it doesn't cost a single penny to wait, you only pay interest if you don't pay the whole bill by the due date.

PMG

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Re: Mustachian People Problems (just for fun)
« Reply #8043 on: November 02, 2020, 07:45:44 AM »
780 sounds like a high score to me. I think that’s why it’s on this thread.

One MPP I’ve noticed over and over is that when people post their amusing little “problems” here we always try to fix them whether they need fixing or not. Truly a generous community!

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #8044 on: November 02, 2020, 07:50:13 AM »
780 sounds like a high score to me. I think that’s why it’s on this thread.

One MPP I’ve noticed over and over is that when people post their amusing little “problems” here we always try to fix them whether they need fixing or not. Truly a generous community!

It is high, but is it high enough to get the best rate for that anticipated mortgage?

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #8045 on: November 02, 2020, 09:27:55 AM »
780 sounds like a high score to me. I think that’s why it’s on this thread.

One MPP I’ve noticed over and over is that when people post their amusing little “problems” here we always try to fix them whether they need fixing or not. Truly a generous community!

It is high, but is it high enough to get the best rate for that anticipated mortgage?

I thought anything over 720 was pretty much the best rate but i do believe you can get slightly better.  More importantly you have wiggle room when it drops between your first hard pull and the later soft pull they do before closing

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #8046 on: November 02, 2020, 09:30:27 AM »
780 sounds like a high score to me. I think that’s why it’s on this thread.

One MPP I’ve noticed over and over is that when people post their amusing little “problems” here we always try to fix them whether they need fixing or not. Truly a generous community!

It is high, but is it high enough to get the best rate for that anticipated mortgage?

I thought anything over 720 was pretty much the best rate but i do believe you can get slightly better.  More importantly you have wiggle room when it drops between your first hard pull and the later soft pull they do before closing

Due to credit card churning, I don't think my score will ever exceed 750. Having a dozen recent inquiries on the credit report at a time looks a little ugly.

However, I'm fairly certain that I got as good of a rate as I could have back when I refinanced, and my score was around 720 at the time.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #8047 on: November 02, 2020, 10:21:03 AM »
MPP:  my taxes are too low.   I can't use a $150 tax credit for a new furnace because that exceeds my taxes.

Catbert

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Re: Mustachian People Problems (just for fun)
« Reply #8048 on: November 02, 2020, 10:29:40 AM »
MPP:  my taxes are too low.   I can't use a $150 tax credit for a new furnace because that exceeds my taxes.

Harvest capital gains?  Roth conversions?

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #8049 on: November 02, 2020, 11:28:03 AM »
MPP:  my taxes are too low.   I can't use a $150 tax credit for a new furnace because that exceeds my taxes.

Harvest capital gains?  Roth conversions?

I've already got a IRA SEPP 72(t) that fills up the taxable.   I've harvested gains already.  I figure I'm close enough to 0 taxes that I'll not worry about it.    Just an example of a MPP.
If the market hits a record high again, I might do some more tax gain harvesting.