Author Topic: Mustachian People Problems (just for fun)  (Read 3160425 times)

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #7000 on: November 27, 2019, 05:10:00 AM »
I've been trying to re balance my taxable accounts since this summer when I decided to beef up my emergency cash by about $10,000 leaving them seriously out of alignment.  But none of my lots has a loss in them making any move between account a taxable event.  With the market on a tear right now any new money I put in isn't making a dent in the imbalance. 

NorCal

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Re: Mustachian People Problems (just for fun)
« Reply #7001 on: November 27, 2019, 08:41:17 AM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

As the official Corporate Finance dweller, I declare your spreadsheet doesn't have a problem until it takes a full coffee break to recalculate.

Cool Friend

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Re: Mustachian People Problems (just for fun)
« Reply #7002 on: November 27, 2019, 08:52:50 AM »
So AT&T decided to upgrade my data plan and charge me $5/month extra for it, without my permission. It was a good deal if you're a person who uses a lot of data, but I don't, so I don't need it.  So I called them up to get them to remove it, and while I had them on the phone, we talked about upgrading my phone which is old and not working great.  They gave me a good offer for an iPhone XR for $5/month for 30 months ($150 total, a pretty good deal), but I don't like to make impulse purchases so I gave myself 24 hours to think about it.  They told me the offer had no expiration date.  Literally 24 hours later and not only is the offer not available, they're acting like it never existed.  I went on the website and saw the deal there, it absolutely existed.

Fucking telecom companies, man.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #7003 on: November 27, 2019, 08:57:57 AM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

As the official Corporate Finance dweller, I declare your spreadsheet doesn't have a problem until it takes a full coffee break to recalculate.
What are you doing with it? Simulating Minecraft that runs a redstone Excel?

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #7004 on: November 27, 2019, 12:08:53 PM »
You gotta give up the beige box computer man... You need a newer Mint Linux machine... ;)

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #7005 on: November 27, 2019, 12:23:10 PM »
So AT&T decided to upgrade my data plan and charge me $5/month extra for it, without my permission. It was a good deal if you're a person who uses a lot of data, but I don't, so I don't need it.  So I called them up to get them to remove it, and while I had them on the phone, we talked about upgrading my phone which is old and not working great.  They gave me a good offer for an iPhone XR for $5/month for 30 months ($150 total, a pretty good deal), but I don't like to make impulse purchases so I gave myself 24 hours to think about it.  They told me the offer had no expiration date.  Literally 24 hours later and not only is the offer not available, they're acting like it never existed.  I went on the website and saw the deal there, it absolutely existed.

Fucking telecom companies, man.

They did that on my family plan as well and insisted I could not change it back because the plan we were on no longer exists. None of the plans they currently offer are better deals than the adjusted price. To make it more annoying it is virtually impossible to find someone at customer service who understands the implications of having all our phones paid off so none of them can accurately predict our bill on a new plan...

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #7006 on: November 27, 2019, 12:31:33 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

As the official Corporate Finance dweller, I declare your spreadsheet doesn't have a problem until it takes a full coffee break to recalculate.

I've certainly run a few Solver functions that took 10+ minutes to run for my work. I can't imagine my finances ever needing to be that complicated. But give me enough time tinkering with them, and I'm sure that I'll find a way eventually.

APowers

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Re: Mustachian People Problems (just for fun)
« Reply #7007 on: November 27, 2019, 12:59:13 PM »
I burned the edges of the crust on my pumpkin pie this morning! Oh noes! I guess we'll just have to bake another pie*....

*Meanwhile, back at the lab, we'll just break the overly toasted edge off and enjoy the pie anyway.

marty998

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Re: Mustachian People Problems (just for fun)
« Reply #7008 on: November 27, 2019, 01:29:43 PM »
My dad is a dinosaur.

I thought the Donkey f***** the Dragon at the end of Shrek but whatevs.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #7009 on: November 30, 2019, 08:42:09 PM »
MPP: My spreadsheet has too many tabs.

Budget Data Entry
Budget/Bank Reconciliation
Taxes
Net Worth
Contributions v Gains
Vehicle Mileage
Credit Rewards
HSA
DS's College
Income Statement
Charts

My MPP is that I just realized I had a problem.  My spreadsheet has 40 sheets...

As the official Corporate Finance dweller, I declare your spreadsheet doesn't have a problem until it takes a full coffee break to recalculate.
What are you doing with it? Simulating Minecraft that runs a redstone Excel?

I'm a programmer.  I once had to make Excel create a swimlane calendar based on a list of events that refreshed out of Sharepoint every week.  It took 600-800 events and created textboxes for them and then ran logic to place them in the right cell and not on top of each other.  Early iterations of it took an hour and a half to run.


My personal finances workbook takes a yearly budget and generates a projected checking register out of it.  It takes about 10 minutes to run.  Some of the reports take about that ling.  I need to look into optimizating those.
« Last Edit: November 30, 2019, 08:45:25 PM by Sugaree »

Roadrunner53

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Re: Mustachian People Problems (just for fun)
« Reply #7010 on: December 01, 2019, 12:15:38 PM »
I have an oddball sized family room downstairs. Right now it is kind of junked up and I am sick of it and want to get rid of just about everything and refurnish it. The problem is that the room is retangular shaped. It is almost like two rooms with no wall in the middle. One side is small and has a fireplace, the other side is bigger and about 4 feet wider. I have tried to arrange furniture around the fireplace but it is a small area and also there was a big screen tv. If I arrange the furniture on the larger side, what do I do with the fireplace side. It is really too hot to sit in front of the fireplace. There is really only one full wall on the small side and the larger side. There are windows half way up and a shelf under the windows. This room makes me nuts! At one point in time we had a pool table on the larger side. It never got used so we got rid of it. I kind of want to make it a simple sitting room with two really comfortable recliners, maybe a love seat a small table or two and a large screen tv. Maybe a table with a coffeemaker and supplies I really need some kind of a computer program to figure out how to arrange the furniture. I also have considered a pull out bed in a sofa. Is there some kind of a computer program anyone knows of?


SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7011 on: December 01, 2019, 12:30:09 PM »
I really need some kind of a computer program to figure out how to arrange the furniture.

All you need is some graph paper, pencils, a ruler, some 3x5 card stock and scissors.   Low tech and cheap for the win.

Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #7012 on: December 01, 2019, 12:51:12 PM »
I really need some kind of a computer program to figure out how to arrange the furniture. I also have considered a pull out bed in a sofa. Is there some kind of a computer program anyone knows of?

I used http://www.planyourroom.com/ when I was trying to figure out how to re-arrange my living room.  A bit clunky, but it did the trick, and it's free!

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #7013 on: December 01, 2019, 01:32:01 PM »
DH missed 2 weeks of work because of a minor surgery, and it messed up the 401-K calculations for the year :-(  I ended up putting some $ in a Roth to meet the plan.  Not the best for our tax bracket lol!

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #7014 on: December 02, 2019, 10:38:41 AM »
I really need some kind of a computer program to figure out how to arrange the furniture.

All you need is some graph paper, pencils, a ruler, some 3x5 card stock and scissors.   Low tech and cheap for the win.
Been there, done that.  Nowadays I tend to just use an Excel sheet with the cells made square and insert shapes of appropriate size that can then be dragged, rotated etc.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7015 on: December 02, 2019, 04:31:40 PM »
I really need some kind of a computer program to figure out how to arrange the furniture.

All you need is some graph paper, pencils, a ruler, some 3x5 card stock and scissors.   Low tech and cheap for the win.
Been there, done that.  Nowadays I tend to just use an Excel sheet with the cells made square and insert shapes of appropriate size that can then be dragged, rotated etc.

Iíve done that for tile layout but for rooms Iím more likely to do simple lockupís in google sketch up.  That way I itís 3D and I can pan around to see how things look from different angles

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #7016 on: December 03, 2019, 10:53:45 AM »
https://www.qcad.org/en/

https://librecad.org

I've used both with good results for various projects.

There are free 3D CAD software projects. FreeCAD3D is one I use. ONSHAPE CAD is another.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #7017 on: December 03, 2019, 10:56:09 PM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7018 on: December 03, 2019, 10:59:39 PM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

I would never count a pension until it's locked in.   And even then, maybe not.

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #7019 on: December 04, 2019, 04:45:56 AM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

I would never count a pension until it's locked in.   And even then, maybe not.

I have a pension, I do count it even though it is not locked in.  Mainly because it will be a good size and is part of my plan.  While it is a large factor in my current calculations I also realize it in theory could "disappear."  So my plan also includes being able to cover life without it, a not so luxurious life but still better than a just the basics one.   

PhilB

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Re: Mustachian People Problems (just for fun)
« Reply #7020 on: December 04, 2019, 05:13:12 AM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.
That is a serious amount of loose change to find down the back of the sofa!

Kris

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Re: Mustachian People Problems (just for fun)
« Reply #7021 on: December 04, 2019, 06:42:02 AM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.
That is a serious amount of loose change to find down the back of the sofa!

Right? I am vacillating between admiration and jealousy!

DadJokes

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Re: Mustachian People Problems (just for fun)
« Reply #7022 on: December 04, 2019, 06:48:50 AM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

I would never count a pension until it's locked in.   And even then, maybe not.

When you say locked in, are you talking about it being vested?

My wife just recently became vested in her pension, and I've gone back and forth on including it in calculations. Our state's pension is 97% funded, so there's no worry about troubles down the road. However, if we both were to quit working when we hit FI, the combined value in both of our pensions would be ~$300k by the time we are eligible to withdraw from them at 60. And that's in nominal dollars, so...$150k in 2019 dollars or so?

It's not going to make or break our retirement, but I'm still going to include it in calculations to be thorough.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7023 on: December 04, 2019, 08:12:53 AM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

I would never count a pension until it's locked in.   And even then, maybe not.

When you say locked in, are you talking about it being vested?

My wife just recently became vested in her pension, and I've gone back and forth on including it in calculations. Our state's pension is 97% funded, so there's no worry about troubles down the road. However, if we both were to quit working when we hit FI, the combined value in both of our pensions would be ~$300k by the time we are eligible to withdraw from them at 60. And that's in nominal dollars, so...$150k in 2019 dollars or so?

It's not going to make or break our retirement, but I'm still going to include it in calculations to be thorough.

Yes, I meant vested.  And the secondary comment was about underfunding, so it looks like you're covered on both bases.  Congrats!


Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #7024 on: December 04, 2019, 07:27:39 PM »
DW just messed up my retirement calculations by telling me her work pension could be $3,000 per month if she works until the early retirement age, in her case 58. Thatís a ways away so maybe she wonít work that long, but thatís a whole additional income stream that I didnít even have on my radar. Based on the 4% rule, that would equate to another $900,000 in NW at that time. Now I need to go recalculate our future NW and income projections.

I would never count a pension until it's locked in.   And even then, maybe not.

She is vested now and would get around $1,400 per month at some point in the future (age 60 or so) if she stopped working now.  Of course, that assumes the State is solvent and can pay the full benefit at that time.  If she works until 58, then she would get the full benefit of about $3,000 per month, but this could be more if her salary increases.

Whether it's either of these, or less or more, it's all basically gravy on top of a pile of mashed potatoes that we have in other places, but hey, I like gravy!

zygote

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Re: Mustachian People Problems (just for fun)
« Reply #7025 on: December 06, 2019, 10:52:46 AM »
Our apartment is very sunny and on the top floor, both features we greatly appreciate. The downside is that it can get pretty hot, especially in the summer. We pay a lot in electricity during the summer months to run window units just enough to keep it a barely-tolerable 80 degrees inside.

Now that it's winter, we would be totally ready to save on the heat and let it be cold. Except the heat is included in our rent, and even with all our radiators off, the two steam pipes we don't control leave our apartment almost as hot as the summer. So not only is our apartment uncomfortably warm, we wouldn't save anything if it weren't. :P

trashtalk

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Re: Mustachian People Problems (just for fun)
« Reply #7026 on: December 06, 2019, 11:52:32 AM »
Our pledge to the school "jogathon" was so large that the organizers called us repeatedly to confirm that we understood the basic principles of multiplication (# of laps x $ per lap = $$$).

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #7027 on: December 06, 2019, 03:04:27 PM »
Our pledge to the school "jogathon" was so large that the organizers called us repeatedly to confirm that we understood the basic principles of multiplication (# of laps x $ per lap = $$$).

Good for you!

Mighty Eyebrows

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Re: Mustachian People Problems (just for fun)
« Reply #7028 on: December 06, 2019, 07:15:46 PM »
https://www.qcad.org/en/

https://librecad.org

I've used both with good results for various projects.

There are free 3D CAD software projects. FreeCAD3D is one I use. ONSHAPE CAD is another.
While both of those are excellent programs, they are quite technical to learn. If someone is just doing some room layout or basic home planning, something like SweetHome3D might be quicker to learn:

http://www.sweethome3d.com/

(also free/open source)

SquashingDebt

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Re: Mustachian People Problems (just for fun)
« Reply #7029 on: December 07, 2019, 07:56:07 PM »
This year, my company did a charity fundraiser where different departments put together gift baskets centered around a theme and people could buy tickets to be entered into a drawing to win them, either for themselves or for a coworker.

The lovely part:  Our janitor, who I've gotten to know quite well because I'm often the last person in the building in the evening, while she's cleaning, entered me to win one of the baskets and that ticket was drawn!

The MPP:  I won a basket full of very nice goodies that I absolutely don't need and don't particularly want.  I managed to give away some of them at the party (tricky to do while still seeming grateful to win - I emphasized wanting to share with others) and will use some of it for a Secret Santa and Yankee Swap I have coming up.  I think I'll end up keeping the bottle of wine, a few candies and cookies, and some lotion.  I also got a free pineapple that was a centerpiece (luau theme), which is what I'm most excited about, haha.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7030 on: December 08, 2019, 10:12:06 AM »
Our apartment is very sunny and on the top floor, both features we greatly appreciate. The downside is that it can get pretty hot, especially in the summer. We pay a lot in electricity during the summer months to run window units just enough to keep it a barely-tolerable 80 degrees inside.

Now that it's winter, we would be totally ready to save on the heat and let it be cold. Except the heat is included in our rent, and even with all our radiators off, the two steam pipes we don't control leave our apartment almost as hot as the summer. So not only is our apartment uncomfortably warm, we wouldn't save anything if it weren't. :P
At least in winter, opening a window will improve the situation. It's wasteful, but at least it's an option to keep you from roasting. Silver lining.

zygote

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Re: Mustachian People Problems (just for fun)
« Reply #7031 on: December 09, 2019, 01:08:46 PM »
Our apartment is very sunny and on the top floor, both features we greatly appreciate. The downside is that it can get pretty hot, especially in the summer. We pay a lot in electricity during the summer months to run window units just enough to keep it a barely-tolerable 80 degrees inside.

Now that it's winter, we would be totally ready to save on the heat and let it be cold. Except the heat is included in our rent, and even with all our radiators off, the two steam pipes we don't control leave our apartment almost as hot as the summer. So not only is our apartment uncomfortably warm, we wouldn't save anything if it weren't. :P
At least in winter, opening a window will improve the situation. It's wasteful, but at least it's an option to keep you from roasting. Silver lining.

Yes, we do leave the windows open in the kitchen and bathroom (where the steam pipes are located) and it helps some. Good thing it's our landlord's money being wasted, not ours....

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #7032 on: December 09, 2019, 01:12:40 PM »
Our apartment is very sunny and on the top floor, both features we greatly appreciate. The downside is that it can get pretty hot, especially in the summer. We pay a lot in electricity during the summer months to run window units just enough to keep it a barely-tolerable 80 degrees inside.

Now that it's winter, we would be totally ready to save on the heat and let it be cold. Except the heat is included in our rent, and even with all our radiators off, the two steam pipes we don't control leave our apartment almost as hot as the summer. So not only is our apartment uncomfortably warm, we wouldn't save anything if it weren't. :P

Do what we did in the college dorms - leave the windows open all winter long...

Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #7033 on: December 09, 2019, 01:15:59 PM »
https://www.qcad.org/en/

https://librecad.org

I've used both with good results for various projects.

There are free 3D CAD software projects. FreeCAD3D is one I use. ONSHAPE CAD is another.
While both of those are excellent programs, they are quite technical to learn. If someone is just doing some room layout or basic home planning, something like SweetHome3D might be quicker to learn:

http://www.sweethome3d.com/

(also free/open source)

OH - I had forgotten about that one. Good catch. There is some amazing free and open-source software out there now.

https://www.youtube.com/watch?v=Kik4iZp5mjE

MilesTeg

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Re: Mustachian People Problems (just for fun)
« Reply #7034 on: December 10, 2019, 12:30:18 PM »
When you realize that the daily volatility of your investments average as large or larger than your (2 week) paycheck.

If only that fluctuation was always UP!

Sadly, some times it makes it look like your paycheck just disappears into the ether.

justchristine

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Re: Mustachian People Problems (just for fun)
« Reply #7035 on: December 10, 2019, 01:20:08 PM »
My 401k provider is not updating in Personal Capital and about $5k in gains isn't being included in my net worth graph.  I know the money is still there but I wanna see it in the pretty graph *sigh*

mspym

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Re: Mustachian People Problems (just for fun)
« Reply #7036 on: December 10, 2019, 01:23:03 PM »
When you realize that the daily volatility of your investments average as large or larger than your (2 week) paycheck.

If only that fluctuation was always UP!

Sadly, some times it makes it look like your paycheck just disappears into the ether.
This always hits when you are trying to meet some arbitrary round number and it keeps Not Ticking Over

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #7037 on: December 10, 2019, 01:27:50 PM »
When you realize that the daily volatility of your investments average as large or larger than your (2 week) paycheck.

If only that fluctuation was always UP!

Sadly, some times it makes it look like your paycheck just disappears into the ether.
This always hits when you are trying to meet some arbitrary round number and it keeps Not Ticking Over

We only add it all up twice a year. This is the first time in quite a while that it has coincided with a market high, so we went shooting past that nice round number.

MilesTeg

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Re: Mustachian People Problems (just for fun)
« Reply #7038 on: December 10, 2019, 01:43:18 PM »
When you realize that the daily volatility of your investments average as large or larger than your (2 week) paycheck.

If only that fluctuation was always UP!

Sadly, some times it makes it look like your paycheck just disappears into the ether.
This always hits when you are trying to meet some arbitrary round number and it keeps Not Ticking Over

HA! Yep, that's exactly why I posted this.. looking for that elusive round number...

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #7039 on: December 10, 2019, 02:30:20 PM »
When you realize that the daily volatility of your investments average as large or larger than your (2 week) paycheck.

If only that fluctuation was always UP!

Sadly, some times it makes it look like your paycheck just disappears into the ether.

Just wait until you have a day where the value of your portfolio (or net worth) fluctuates (either up or down!) by an amount greater than what you spend in an entire average year!

zygote

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Re: Mustachian People Problems (just for fun)
« Reply #7040 on: December 11, 2019, 09:30:56 AM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #7041 on: December 11, 2019, 09:53:27 AM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

I've been getting these too.  I told one girl that I didn't have any loans so now the messages want to talk about my credit card debt or refinancing my mortgage.  Don't have those either.

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #7042 on: December 11, 2019, 10:14:23 AM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

I've been getting these too.  I told one girl that I didn't have any loans so now the messages want to talk about my credit card debt or refinancing my mortgage.  Don't have those either.

I watch a hour long investigative report on this a while ago. These large telemarketers have huge databases with the phone numbers and make profiles on all of us, which they sell/trade with each other.  Noticed how you gave information to them and how they adapted your profile to try to work the credit card and mortgage refinancing angle.  Best defence is to get on the do not call list and if any phone calls get through please ask to be removed from the phoning list and hang up.  It's sad how they prey on the people who really can't afford it.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #7043 on: December 11, 2019, 10:33:38 AM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

I've been getting these too.  I told one girl that I didn't have any loans so now the messages want to talk about my credit card debt or refinancing my mortgage.  Don't have those either.

I watch a hour long investigative report on this a while ago. These large telemarketers have huge databases with the phone numbers and make profiles on all of us, which they sell/trade with each other.  Noticed how you gave information to them and how they adapted your profile to try to work the credit card and mortgage refinancing angle.  Best defence is to get on the do not call list and if any phone calls get through please ask to be removed from the phoning list and hang up.  It's sad how they prey on the people who really can't afford it.

Alternatively if you also have the MMP of lots of free time you can absorb as much of their time as possible to prevent them from preying on others... Back when telemarketers were not supposed to call cell phones one called my friend to offer him a new credit card while he was on long road trip. He had an early unlimited phone plan and spent like an hour talking through all the cards features with them. They finally realized he wasn't really interested when he asked how well their card would work as an ice scraper... Ironically that must have been a feature he really wanted because now he has one of those fancy metal cards.

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #7044 on: December 11, 2019, 11:21:11 AM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

I've been getting these too.  I told one girl that I didn't have any loans so now the messages want to talk about my credit card debt or refinancing my mortgage.  Don't have those either.

I watch a hour long investigative report on this a while ago. These large telemarketers have huge databases with the phone numbers and make profiles on all of us, which they sell/trade with each other.  Noticed how you gave information to them and how they adapted your profile to try to work the credit card and mortgage refinancing angle.  Best defence is to get on the do not call list and if any phone calls get through please ask to be removed from the phoning list and hang up.  It's sad how they prey on the people who really can't afford it.

And bam you just let them know that a live person exists at the end of the phone number they dialed.  I'm already on the do not call list, so anyone calling me is likely not playing by the rules and me asking to be removed from their list just confirms I use my phone and will answer.  Likely to result in even more calls.  I say just ghost them and block the number.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #7045 on: December 11, 2019, 01:24:32 PM »
I keep getting spam calls wanting to talk to me about my student loan balance. (I never pick up, apparently spam calls leave messages now.)

Joke's on them - I never had any student loans!

I've been getting these too.  I told one girl that I didn't have any loans so now the messages want to talk about my credit card debt or refinancing my mortgage.  Don't have those either.

I watch a hour long investigative report on this a while ago. These large telemarketers have huge databases with the phone numbers and make profiles on all of us, which they sell/trade with each other.  Noticed how you gave information to them and how they adapted your profile to try to work the credit card and mortgage refinancing angle.  Best defence is to get on the do not call list and if any phone calls get through please ask to be removed from the phoning list and hang up.  It's sad how they prey on the people who really can't afford it.

Alternatively if you also have the MMP of lots of free time you can absorb as much of their time as possible to prevent them from preying on others... Back when telemarketers were not supposed to call cell phones one called my friend to offer him a new credit card while he was on long road trip. He had an early unlimited phone plan and spent like an hour talking through all the cards features with them. They finally realized he wasn't really interested when he asked how well their card would work as an ice scraper... Ironically that must have been a feature he really wanted because now he has one of those fancy metal cards.

My wife and I were traveling, forgot regular ice scrapers, and had to spend about 1/4 of the trip using credit/club cards as scrapers for the front windshield.  That was one long cold trip.  The defroster couldn't keep up with the freezing rain.  If we had gloves , the metal cards would have been nice :-)

bonesmtb2

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Re: Mustachian People Problems (just for fun)
« Reply #7046 on: December 11, 2019, 01:55:11 PM »
I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #7047 on: December 11, 2019, 02:37:29 PM »
I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

That post is from five years ago and surfhb has deleted their account so unfortunately we may never know.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #7048 on: December 11, 2019, 02:45:19 PM »
I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

That post is from five years ago and surfhb has deleted their account so unfortunately we may never know.

I did some forum searching just for you. It was a 1993 Toyota Pickup:
My 93 Toyota Pick Up could have been retired many times but I decided to fix the issue instead.....512,000 miles and still going.

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #7049 on: December 11, 2019, 03:37:14 PM »
I take dates out in a 23 year old truck with 508,000 miles on it

508k miles!  That is fantastic.  What kind of truck?

That post is from five years ago and surfhb has deleted their account so unfortunately we may never know.

I did some forum searching just for you. It was a 1993 Toyota Pickup:
My 93 Toyota Pick Up could have been retired many times but I decided to fix the issue instead.....512,000 miles and still going.

I didn't ask the question, but it really made me smile that you looked it up.  Haha.  Way to go!