Author Topic: Mustachian People Problems (just for fun)  (Read 5118544 times)

Josiecat22222

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Re: Mustachian People Problems (just for fun)
« Reply #10250 on: February 14, 2024, 04:10:39 AM »
Honestly, this tracks.  I have only been to Canada once and it was with my husband and son to visit the coast and go camping.  We drove from our home in the Mid Atlantic and I was expecting a quick border crossing, since we generally pass borders/customs etc with no issues.  They asked a ton of questions, took out all of our camping gear, took our bikes off the racks, opened our personal bags and read our papers (legit asked about our dog and why he wasn't travelling with us,etc).  It was FAR more intense than I'd expected, thinking our friendly neighbors to the north were just like another state and we'd be through in 5 min.  #americanarrogance.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10251 on: February 14, 2024, 07:22:39 AM »
They have to protect themselves from Americans who want to steal Socialism.

That sentence is 3 jokes in one, and I guess most people only get half a joke. :(

One joke is about/from a song of Reinhard May about the Berlin Wall, the "antifascistic protection wall", where the East German soldiers have to protect the GDR from the West (and the joke is of course: from what).

Gerard

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Re: Mustachian People Problems (just for fun)
« Reply #10252 on: February 25, 2024, 02:52:50 PM »
Although even after years of this (and actually being retired now and all), I still get that little "zing!" when I find a money-saving or investment thing that's *completely* new to me, like, "holy cow, that wasn't even on my radar!'

Where are you finding new things?  I feel like we already know all the frugal tricks we're ever going to find.

Some of it's down to my being clueless to start with, and some of it is pushing boundaries.

In the past six months or so: I finally understood how Canadian pension splitting works. I found a new giant Asian supermarket with good meat even cheaper than my usual joint. I learned how to add pureed pork skin to meatballs or black beans. I realized I can get to a Costco business centre and buy good cheap bacon trimmings. I discovered online undeliverable freight auctions.We switched from Airbnb to booking private rooms in hostels.

I wish I could say I found a great frugality source where I picked up all these things, but it was really just a matter of trying things, reading, following intriguing rabbit holes.

Catbert

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Re: Mustachian People Problems (just for fun)
« Reply #10253 on: February 26, 2024, 11:32:15 AM »
Gerard - Thanks for tip about Costco Business Center bacon trimmings.  I rarely go to their business center (too far) but always find interesting things when I do go.  I just checked and mine has 5 lbs for just under $15.  I'll look for it next time.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #10254 on: February 26, 2024, 03:17:22 PM »
How do you check to see what your Costco Business Center has? I always go with the attitude that I'll find out when I get there, but then it's only like 3 mi from my house.

Gerard

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Re: Mustachian People Problems (just for fun)
« Reply #10255 on: February 26, 2024, 03:38:23 PM »
How do you check to see what your Costco Business Center has? I always go with the attitude that I'll find out when I get there, but then it's only like 3 mi from my house.
Where I live there's only one business centre, so whatever they have available for delivery in Toronto, they most likely have in the Toronto branch.

Siebrie

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Re: Mustachian People Problems (just for fun)
« Reply #10256 on: February 27, 2024, 02:18:25 AM »
About 6 months ago I started using the Too Good To Go app, which lets food businesses sell their left-overs at the end of the day for heavily discounted prices. We started by trying out the bakeries in the neighbouring village. Out of the 5 we tried, we have only 1 we like, the others were too greasy, weird (to our taste; they are mainly North-African bakeries) herb/cheese combos, etc.

My MPP: too much cake! I want bread! The cakes need to be eaten that same evening, the fruit and cream won't hold to the next day.

(but for Ä3,29 I get a birthday cake, 2 baguettes, 4 croissants, a flower loaf, 4 buns, a wholemeal loaf and a small white loaf. I'm not complaining too much; I freeze the lot.)

ChpBstrd

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Re: Mustachian People Problems (just for fun)
« Reply #10257 on: February 27, 2024, 07:16:45 AM »
Just realized Mint.com categorized all my late 2023 trades in US treasuries as "taxes" instead of investments. Silly Mint. Made my spending trend chart look like I got a heroin habit and a CEO job within two months.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10258 on: February 27, 2024, 07:39:45 AM »
Which one first?

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #10259 on: February 27, 2024, 08:44:14 AM »
About 6 months ago I started using the Too Good To Go app, which lets food businesses sell their left-overs at the end of the day for heavily discounted prices. We started by trying out the bakeries in the neighbouring village. Out of the 5 we tried, we have only 1 we like, the others were too greasy, weird (to our taste; they are mainly North-African bakeries) herb/cheese combos, etc.

My MPP: too much cake! I want bread! The cakes need to be eaten that same evening, the fruit and cream won't hold to the next day.

(but for Ä3,29 I get a birthday cake, 2 baguettes, 4 croissants, a flower loaf, 4 buns, a wholemeal loaf and a small white loaf. I'm not complaining too much; I freeze the lot.)

Thanks to you, I signed up for this app, and now my MPP is I'm trying to decide how far I'm willing to drive for a pickup. Also the pickup windows are either in the middle of the day or late evening, so will I really want to leave the house at 8/9pm?

Totally makes sense from the business's perspective, they want to wait until after dinner hours to see what's left over. But I'm an early bird who'd rather be getting ready for bed, not getting in the car!

dandarc

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Re: Mustachian People Problems (just for fun)
« Reply #10260 on: February 27, 2024, 09:16:38 AM »
Just realized Mint.com categorized all my late 2023 trades in US treasuries as "taxes" instead of investments. Silly Mint. Made my spending trend chart look like I got a heroin habit and a CEO job within two months.
I use wave accounting and the cash-flow chart did the same thing when I terminated my soloK and transferred it all over to Vanguard a few years ago. Income / expenses were right, but wow was that a strange way to show cash-flow on a net-zero transaction.

Sandi_k

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Re: Mustachian People Problems (just for fun)
« Reply #10261 on: February 27, 2024, 09:34:18 AM »
My credit union "Money Feed" to the Tiller app crashed for more than a week. So I couldn't run weekend reports on our spending for two weekends this month.

I finally reported it, and it was fixed within two days. ;)

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #10262 on: February 27, 2024, 12:02:41 PM »
This stupid forum has helped me save too much money and now I no longer have any motivation to work.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10263 on: February 27, 2024, 12:27:48 PM »
This stupid forum has helped me save too much money and now I no longer have any motivation to work.
Why is that a problem? Just do your hobby.

Poundwise

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Re: Mustachian People Problems (just for fun)
« Reply #10264 on: February 27, 2024, 12:38:50 PM »
About 6 months ago I started using the Too Good To Go app, which lets food businesses sell their left-overs at the end of the day for heavily discounted prices. We started by trying out the bakeries in the neighbouring village. Out of the 5 we tried, we have only 1 we like, the others were too greasy, weird (to our taste; they are mainly North-African bakeries) herb/cheese combos, etc.

My MPP: too much cake! I want bread! The cakes need to be eaten that same evening, the fruit and cream won't hold to the next day.

(but for Ä3,29 I get a birthday cake, 2 baguettes, 4 croissants, a flower loaf, 4 buns, a wholemeal loaf and a small white loaf. I'm not complaining too much; I freeze the lot.)

Ha, the same thing happened to us!  We got five pies and were complaining because we ate too much pie.  Also we got TGTG from a sushi place and that was a mistake... the day old raw fish was not appetizing even if it won't make us sick.

FireLane

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Re: Mustachian People Problems (just for fun)
« Reply #10265 on: February 27, 2024, 03:51:32 PM »
About 6 months ago I started using the Too Good To Go app, which lets food businesses sell their left-overs at the end of the day for heavily discounted prices. We started by trying out the bakeries in the neighbouring village. Out of the 5 we tried, we have only 1 we like, the others were too greasy, weird (to our taste; they are mainly North-African bakeries) herb/cheese combos, etc.

My MPP: too much cake! I want bread! The cakes need to be eaten that same evening, the fruit and cream won't hold to the next day.

(but for Ä3,29 I get a birthday cake, 2 baguettes, 4 croissants, a flower loaf, 4 buns, a wholemeal loaf and a small white loaf. I'm not complaining too much; I freeze the lot.)

That's funny, because I have the opposite problem.

Where I live, TGTG has tons of bagel places. If I wanted a sack of a dozen bagels, I could take my pick. But that's too many for my family to eat before they go stale, and I don't have the space to freeze them. I would take pastries if there were more of them!

Siebrie

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Re: Mustachian People Problems (just for fun)
« Reply #10266 on: February 28, 2024, 01:23:43 AM »

Thanks to you, I signed up for this app, and now my MPP is I'm trying to decide how far I'm willing to drive for a pickup. Also the pickup windows are either in the middle of the day or late evening, so will I really want to leave the house at 8/9pm?

Totally makes sense from the business's perspective, they want to wait until after dinner hours to see what's left over. But I'm an early bird who'd rather be getting ready for bed, not getting in the car!
I'm next to a capital city, and the hotels offer their breakfast buffet leftovers at 10am.
IKEA offers their leftover at the end of the day, between 19.40 and 19.50, and you have to bring your own tubs.
The airport restaurants (beyond customs) often offer as well.
I have found that I can use the app both in Belgium as well as in The Netherlands; it's really flexible. I will change the location based on where I'm going that day.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #10267 on: February 28, 2024, 05:11:06 AM »

Thanks to you, I signed up for this app, and now my MPP is I'm trying to decide how far I'm willing to drive for a pickup. Also the pickup windows are either in the middle of the day or late evening, so will I really want to leave the house at 8/9pm?

Totally makes sense from the business's perspective, they want to wait until after dinner hours to see what's left over. But I'm an early bird who'd rather be getting ready for bed, not getting in the car!
I'm next to a capital city, and the hotels offer their breakfast buffet leftovers at 10am.
IKEA offers their leftover at the end of the day, between 19.40 and 19.50, and you have to bring your own tubs.
The airport restaurants (beyond customs) often offer as well.
I have found that I can use the app both in Belgium as well as in The Netherlands; it's really flexible. I will change the location based on where I'm going that day.

That would help, for sure. I'm in the US suburbs, so what I have available is mostly by-the-slice pizza shops (late evening) and bagel shops (midday). Might be able to swing the bagel shops on a late lunch break, or a day I do a half day in office and a half day wfh...

I should send it to my sister, she lives in the city proper and might have more interesting offerings.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #10268 on: March 01, 2024, 06:08:13 AM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers. 
« Last Edit: March 01, 2024, 06:15:52 AM by Sugaree »

dandarc

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Re: Mustachian People Problems (just for fun)
« Reply #10269 on: March 01, 2024, 01:06:19 PM »
I blew my wordle streak a couple weeks ago because I forgot the word is actually spelled "stash".

Metalcat

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Re: Mustachian People Problems (just for fun)
« Reply #10270 on: March 01, 2024, 01:07:27 PM »
I blew my wordle streak a couple weeks ago because I forgot the word is actually spelled "stash".

That's hilarious

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #10271 on: March 01, 2024, 05:48:44 PM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers.

I gave away the slate top pool table that was in our basement when we bought the house. We bought the house from my in-laws, and my brother-in-law told me the table was there when they bought the house in 1975!

I see a lot of them being given away around here.

RetiredAt63

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Re: Mustachian People Problems (just for fun)
« Reply #10272 on: March 01, 2024, 05:59:57 PM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers.

I gave away the slate top pool table that was in our basement when we bought the house. We bought the house from my in-laws, and my brother-in-law told me the table was there when they bought the house in 1975!

I see a lot of them being given away around here.

It's good if you can give them away.  I had to have one that came with a house demolished.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #10273 on: March 01, 2024, 08:00:59 PM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers.

I gave away the slate top pool table that was in our basement when we bought the house. We bought the house from my in-laws, and my brother-in-law told me the table was there when they bought the house in 1975!

I see a lot of them being given away around here.

It's good if you can give them away.  I had to have one that came with a house demolished.

The hassle of rehoming this one was definitely a factor in the decision to refelt it rather than getting a new one.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #10274 on: March 02, 2024, 03:09:43 PM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers.

I gave away the slate top pool table that was in our basement when we bought the house. We bought the house from my in-laws, and my brother-in-law told me the table was there when they bought the house in 1975!

I see a lot of them being given away around here.

My parents also gave one away that was in the basement. It was actually really hard to do so. It seems a lot of people are not prepared to dismantle a pool table, carry it upstairs then load it into a vehicle. They did finally get rid of it but it took multiple tries.

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #10275 on: March 03, 2024, 06:05:15 AM »
I recently had a birthday.  My family normally gives me gift cards.  I prefer it that way because I tend to keep a running list of "shit I want but don't want to spend my own money on."  And they are usually things that are more expensive than I'd be comfortable with someone else buying for me.  I now have a couple hundred dollars in BezosCash and there is nothing on my list that I'm really dying to buy.  Mainly because I've already bought everything for my other MMP which is that I have recently been restoring a pool table.  I now know more about pool tables than I ever thought possible.  I'm also getting very close to "would have cost the same thing to buy a new one" territory.  I can say with a good bit of certainty that I will never go to the trouble of refelting a "wood" top table ever again.  I might consider it if I come across a slate-top table for a decent price that was in good shape other than the felt and bumpers.

I gave away the slate top pool table that was in our basement when we bought the house. We bought the house from my in-laws, and my brother-in-law told me the table was there when they bought the house in 1975!

I see a lot of them being given away around here.

My parents also gave one away that was in the basement. It was actually really hard to do so. It seems a lot of people are not prepared to dismantle a pool table, carry it upstairs then load it into a vehicle. They did finally get rid of it but it took multiple tries.

The people who took mine showed up in a Surburban, so all the pieces fit in there except for the slate top. They hadn't thought about that at all, so I suggested putting it on the roof of the SUV, using a moving blanket to protect the paint and tie-down straps to hold it down. They were only driving a mile or so to their house, so that worked out, and they brought the blanket and straps back right away. But yeah, they really didn't think it through before coming to get it.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #10276 on: March 07, 2024, 04:47:59 AM »
For what it's worth, I think it turned out pretty good...

Before:


After:

deborah

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Re: Mustachian People Problems (just for fun)
« Reply #10277 on: March 07, 2024, 05:01:22 AM »
Spectacular!

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #10278 on: March 07, 2024, 05:05:54 AM »
For what it's worth, I think it turned out pretty good...

It did! Very nice.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10279 on: March 07, 2024, 05:18:02 AM »
Great work! I wanna play!

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #10280 on: March 07, 2024, 05:28:16 AM »
Great work! I wanna play!

The sad part is that I haven't even played on it yet.  I'm trying to get that room under control and cleared out so that I can have the game room/bar that it was always supposed to be (my late husband was a bit of a hoarder and it's never been used as intended).  This probably falls under "Stupid stuff I'm lusting after" but I really want to go full blown speakeasy with a hidden door and a nice art deco light fixture above the table (I have one that I'm currently working on for above the bar).  Unfortunately, it seems I have expensive tastes when it comes to antiques.  The fixtures that I really like have been running about $5000 with the most expensive being $28k.  That's....not gonna happen. 

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10281 on: March 07, 2024, 08:15:24 AM »
Wow! Great job! Keep surfing CL, FBM, etc. Something suitable it bound to turn up eventually.

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #10282 on: March 07, 2024, 08:21:49 AM »
Wow! Great job! Keep surfing CL, FBM, etc. Something suitable it bound to turn up eventually.

Thanks!  That's the plan right now. I'm going to stalk the thrift stores too.  Some of them have some decent evaluators on staff (and send all of the antiques to a higher-end shop in the nearest big city).  But every once in awhile things slip through as "old" vs. "antique." And I've still got to get the light for the bar finished before the electrician finishes the new wiring harness for it.  Fingers crossed the temp is going to stay high enough and the humidity low enough to get it done this afternoon.  I am so not wanting to drag out dad's blast cabinet again because I didn't get it primed in time. 

EscapeVelocity2020

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Re: Mustachian People Problems (just for fun)
« Reply #10283 on: March 07, 2024, 09:18:30 AM »
I sold a bitcoin (so that my other 2 are now 'free' and I'll hodl forever), have to sell 1/10th of an inherited IRA which keeps going up in value, and got a promotion with 10% raise and bonus...  and all I can think about is all the friggin taxes I'm going to be paying on all this!  I don't need the money!!!  I've reached ultimate MPP

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10284 on: March 07, 2024, 02:55:22 PM »
I sold a bitcoin (so that my other 2 are now 'free' and I'll hodl forever), have to sell 1/10th of an inherited IRA which keeps going up in value, and got a promotion with 10% raise and bonus...  and all I can think about is all the friggin taxes I'm going to be paying on all this!  I don't need the money!!!  I've reached ultimate MPP
Give some of it away. It feels great!

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #10285 on: March 07, 2024, 05:49:13 PM »
DH has informed me he wants another $200k in Roth basis. Even with the MBR that's going to take a few years.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #10286 on: March 08, 2024, 11:03:13 AM »
A very silly MPP today: I, like others on this site, have a spreadsheet. And it has amortization schedules. Keep this in mind.

The car will be paid off in March (very low % so I'm letting it ride), but I have to wait for the calendar to turn, slowly, for the February payment to post, then the statement, and then for March to make the final payment. And all along I look at my spreadsheet and see that I have just 2 payments left. These last 2 lines, just hanging out there, are really bothering me. So untidy. I have the cash. I could easily pay it off today. But damn it, I am not paying early. I'm earning double in interest than I'm paying. This coming week the February payment will post, so I'll only have 1 line sitting there, teasing me.

Update: the car is paid off! so my spreadsheet looks neat and pretty now. Just waiting for all the final paperwork and title to happen.

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #10287 on: March 08, 2024, 11:03:53 AM »
My current MPP: I've 'stached enough that Large Financial signed my blue-jeans self up for their White Glove service, and it's bugging me.

Story time. I set out to accomplish a Routine Transaction. It's not so routine for me, but for Large Financial, it's just Tuesday.

WTF 1: their Routine Transaction web form is broken. It won't accept an address in the address field without a nonexistent apartment number. It rejects the hyphens in a reference number I'm trying to include. I've seen better web forms from volunteers in small nonprofits. Then again, we have some pretty sharp volunteers in these parts.

WTF 2: at this point, it's after regular business hours on the east coast. I'm on the west coast, and customer service is open a little longer, so I call. I'm phone shy, and will generally exhaust other options before phoning (struggle with the website some more, bike to the branch across town...). Routine Transaction needs to happen soon, so I call. I convince the phone tree that I actually need a human. This human listens, or pretends to, while I explain WTF 1, which I somehow need to repeat more than once. Then she goes to "look into it," and puts me on hold. Twelve minutes of soft jazz later, I run off the end of their extended business hours, or at least I think that's why their phone system hangs up on me.

WTF 3: Next morning, I try the text chat version of customer service, which is now open. I get put into a queue, put through to a person (or at least the automated "give me a moment to read your question" message with a name attached), put back in the queue, and then dumped out entirely, with the question I filled in, erased. Where the hell is the ubiquitous stupid customer service survey when you need it?

There's an option I've been avoiding up to now, which is the White Glove guy they've been pestering me to call. It was after his hours the night before. I'm pretty sure he's supposed to do advisor stuff, which is not what I want and a far cry from Routine Transaction. I'm still phone shy, per above. But I figure maybe he at least has a direct line to the Routine Transaction department, and it's abundantly clear that Customer Service isn't about to provide any. So I call.

Complete 180. White Glove guy takes care of Routine Transactions routinely, of course, and can do mine right now, on the phone, complete with the impossible hyphens in the reference number. Hey, presto, done, and while we're here, he can even waive the fee. (Aside: "convenience fee" is an oxymoron.)

I try to impress upon him how comically badly it had gone, naively attempting Routine Transaction via the public entrance, but I don't think White Glove guy is interested, which is too bad, because I was that customer first, for a long time.

What has gotten his attention, even before now, is the substantial portion of my 'stache that's at Large Financial, which he'd like to help optimize. It could do with some optimization, but it's accumulated without his help so far. This is not why I called, and I'm at my limit of pretending I'm okay with this phone thing. I will get there, when I get there, and then do things my way.

So I do something I've done with other salescritters occasionally, which is to say something that's completely outside of their script.

"I'm not really looking to optimize this right now. I don't need this money to do more, because my and DH's burn rate together in [HCOLA] is around $30,000 per year." (We're FI but OMY and our holdings at Large Financial, which he was looking at when I said this, would only have underscored the point.)

The White Glove guy's head exploded. How on Earth could we possibly do that?! Where do you live?

I didn't use the word "mustache," but I gave him the very short synopsis. Paid off house, two bicycles, one lonely econobox car, lunch boxes, and using those sweaters our grannies made us.

Optimize that, I dare you. Also, please, for the love of Pete, get somebody to fix that damned form.

ToTheMoon

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Re: Mustachian People Problems (just for fun)
« Reply #10288 on: March 08, 2024, 09:17:00 PM »
So I do something I've done with other salescritters occasionally, which is to say something that's completely outside of their script.

"I'm not really looking to optimize this right now. I don't need this money to do more, because my and DH's burn rate together in [HCOLA] is around $30,000 per year." (We're FI but OMY and our holdings at Large Financial, which he was looking at when I said this, would only have underscored the point.)

The White Glove guy's head exploded. How on Earth could we possibly do that?! Where do you live?

I didn't use the word "mustache," but I gave him the very short synopsis. Paid off house, two bicycles, one lonely econobox car, lunch boxes, and using those sweaters our grannies made us.

Optimize that, I dare you. Also, please, for the love of Pete, get somebody to fix that damned form.

This is the best thing I have read all day - thank you!

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10289 on: March 09, 2024, 12:01:24 AM »
That was quite funny!
I can tell you why the volunteers have better forms. They are interested and they probably know someone with a really "strange" name, like my collegue who has 10 words in there and one is the name for friends and one is the name for people that are not his friends but both are not his family name...

And then there is the guy who made the form exactly like big hat financial guy asked, and that was probably "We have this database from the 80s, make the so that it will definitely work, so add some checks in there". And that can't work. A personal name and a family name always has 3 letters? Ask Mrs. Ai Li about that. There is always a street name? Never been to a village with 3 houses I guess. And so on.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #10290 on: March 09, 2024, 01:07:15 AM »
There is always a street name? Never been to a village with 3 houses I guess.

I was amazed when I ran into an online form that wouldn't let me enter an address on Broadway. No, ALL addresses have to have something like "Elm Street" or "Maple Avenue". Not just a single word "Broadway." I finally just entered "Broad Way." But surely it's one of the most famous streets in the world, plus a very common one; and you didn't think to code for it?

Another favorite was a government website where you reserved some kind of parking passes, and it had day, month, year, and a drop-down for CE/BCE in case you needed a parking permit for precisely four thousand years ago on Tuesday.

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #10291 on: March 09, 2024, 06:55:25 AM »
... Another favorite was a government website where you reserved some kind of parking passes, and it had day, month, year, and a drop-down for CE/BCE in case you needed a parking permit for precisely four thousand years ago on Tuesday.
[/quote]

Wow. Thatís new even to me.

The sucky part of forms which put guardrails up against correct formatting they didnít anticipate is they do prevent multiple consequential errors for every person they inconvenience. The regulatory requirements errors create arenít worth customer convenience on that minority scale. The backend systems usually donít have those guardrails (though the service personnel on the phone may not use the true backend system.)

That said Iím always surprised when a salescritter knows how to use the internal systems. Most are there to be a personable face & know about the things theyíre there to sell. Of course, they could just be delegating.

It also seems like bad business to alienate lower-asset clients of unknown wealth, but then itís not about what you have there presently, itís the assumption that they likely (statistically) only have a fraction of your money & presumed future income. Someone with $XXXk probably has $X,XXXk outside, or more, plus friends & family in similar circumstances. Even knowing why, the preferential treatment of bigger fish still grosses me out.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10292 on: March 09, 2024, 08:42:03 AM »
A very silly MPP today: I, like others on this site, have a spreadsheet. And it has amortization schedules. Keep this in mind.

The car will be paid off in March (very low % so I'm letting it ride), but I have to wait for the calendar to turn, slowly, for the February payment to post, then the statement, and then for March to make the final payment. And all along I look at my spreadsheet and see that I have just 2 payments left. These last 2 lines, just hanging out there, are really bothering me. So untidy. I have the cash. I could easily pay it off today. But damn it, I am not paying early. I'm earning double in interest than I'm paying. This coming week the February payment will post, so I'll only have 1 line sitting there, teasing me.

Update: the car is paid off! so my spreadsheet looks neat and pretty now. Just waiting for all the final paperwork and title to happen.
Congratulations!  Outstanding self-control! Delayed gratification for the win!

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10293 on: March 09, 2024, 08:56:33 AM »
Re: "White Glove": We bank with Chase. We also flip houses occasionally, so we keep large cash reserves until we need them. Every damn time we interacted with them, they pushed their investment "services". They also called, sent letters, etc. Every time we'd convinced the branch manager to leave us alone, a new one would take their place.

Couple of years ago, we "spent" all the money* and now, blessedly, we have crickets. Interestingly our NW is higher than ever.

* Don't worry, we bought another property, which is exactly what the money was earmarked for.

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #10294 on: March 09, 2024, 09:06:51 AM »
Re: "White Glove": We bank with Chase. We also flip houses occasionally, so we keep large cash reserves until we need them. Every damn time we interacted with them, they pushed their investment "services". They also called, sent letters, etc. Every time we'd convinced the branch manager to leave us alone, a new one would take their place.

Couple of years ago, we "spent" all the money* and now, blessedly, we have crickets. Interestingly our NW is higher than ever.

* Don't worry, we bought another property, which is exactly what the money was earmarked for.

If you tell them to put you on the companyís do not call list for sales (different from calls about account activity) they have to honor that. You can usually do the same for mailers & emails. Iíd expect they rotate salescritters among customers once in a while when deals do not manifest, in case someone elseís approach might work.

Iím forever adopting @crocheted_stache ís use of ďsalescritters.Ē

NorthernIkigai

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Re: Mustachian People Problems (just for fun)
« Reply #10295 on: March 09, 2024, 10:07:47 AM »
The CE/BCE thing is amazing! The second best thing in this category Iíve heard is when Spain, where people typically have and use two last names, had the rotating presidency in the EU and a whole bunch of online forms required you to fill out two last names. Leading people to fill out names such as Jane Smith Donthaveoneyouidiots.

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #10296 on: March 09, 2024, 11:36:26 AM »

Re: "White Glove": We bank with Chase. We also flip houses occasionally, so we keep large cash reserves until we need them. Every damn time we interacted with them, they pushed their investment "services". They also called, sent letters, etc. Every time we'd convinced the branch manager to leave us alone, a new one would take their place.

Couple of years ago, we "spent" all the money* and now, blessedly, we have crickets. Interestingly our NW is higher than ever.

* Don't worry, we bought another property, which is exactly what the money was earmarked for.

I'm not with Chase, but it doesn't matter. Most of the big ones have some variation on the theme, just with different superlatives in their titles.

If you tell them to put you on the companyís do not call list for sales (different from calls about account activity) they have to honor that. You can usually do the same for mailers & emails. Iíd expect they rotate salescritters among customers once in a while when deals do not manifest, in case someone elseís approach might work.

Iím forever adopting @crocheted_stache ís use of ďsalescritters.Ē

Have at! I don't think I invented it.

White Glove guy only phoned me once. The rest has been automatic email ("Call your personal White Glove guy and strategize with us!") and White Glove guy's name, title, and phone number right there beside my account overview page, where it's been for at least the past five years. Given that his job is to go through high-NW people's accounts and portfolios, looking for things to do, I'm just as glad there hasn't been a White Glove guy-of-the-month.

From what I can tell, he's good at what he does. I just never signed up, and it's not what I want.

I've said some other things to salescritters over the years.
To anyone who is quizzing me about why I want to cancel a service or subscription in hopes of reeling me back in with a discount/upgrade: "Sure, please cancel it, and then I'd be happy to tell you why."

To cable and satellite TV sales: "Nobody watches TV/We don't have a TV." (It was more impressive before streaming was so prevalent.)

To the exterminators who occasionally knock on the door, offering to get rid of spiders for me: "You leave my spiders alone. They do a much better job than you do, and they work for free." This is basically true, too. Spiders don't bother me, and they're the most effective thing I've found for getting rid of the moths that sometimes get into my flour.

To the tech support scammers who used to phone me frequently: "My computer? Which computer? We have several. [Ask stupid questions and go around in circles for a bit.] What Windows computer? We run Linux." My favorite such time-waster is an older AI called LennyBot, who is a doddering old man, who blathers on incoherently about his daughters and can't hear too well. https://www.youtube.com/watch?v=fXf_oA9KT_M

My favorite ever story of saying something off-script to a salescritter was something I read ages ago. Someone was trying to sell some kind of septic tank enzymes. Protagonist decided this product is at best unnecessary and replied, "No need. I have swamp gizzards."

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #10297 on: March 09, 2024, 12:10:37 PM »

It also seems like bad business to alienate lower-asset clients of unknown wealth, but then itís not about what you have there presently, itís the assumption that they likely (statistically) only have a fraction of your money & presumed future income. Someone with $XXXk probably has $X,XXXk outside, or more, plus friends & family in similar circumstances. Even knowing why, the preferential treatment of bigger fish still grosses me out.

This. Twenty-something years ago, I had an account with Large Financial, and it had some low multiple of the then ~$4000 annual IRA contribution limit, because I'd only just started contributing. Because I had under $25k in assets, they charged an annual account fee. I actually moved that account away from them, only to end up back there for other reasons since.

Also, I now qualify as a "big fish," but I foolishly thought that contacting their just-plain customer service would get me somewhere. Instead, it got me a good look at how they apparently still disregard the just-starting-outs. If it were as portable as my starting IRA, I'd "optimize" today's account by first taking it elsewhere, too.

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #10298 on: March 09, 2024, 12:26:05 PM »
There is always a street name? Never been to a village with 3 houses I guess.

I was amazed when I ran into an online form that wouldn't let me enter an address on Broadway. No, ALL addresses have to have something like "Elm Street" or "Maple Avenue". Not just a single word "Broadway." I finally just entered "Broad Way." But surely it's one of the most famous streets in the world, plus a very common one; and you didn't think to code for it?

Another favorite was a government website where you reserved some kind of parking passes, and it had day, month, year, and a drop-down for CE/BCE in case you needed a parking permit for precisely four thousand years ago on Tuesday.

Assuming they were inexpensive, I'd have been tempted to order a parking pass for March 15, 2024 BCE and see what happened. If they sent it, I might have to see what happened when I complained that the parking pass expired before it was issued.

All those who like this sort of thing might be amused to search for any of the lists of "falsehoods programmers believe about addresses." DH just found such a list, and observed that, "all addresses have an apartment number" was not on it. DH grew up in a small town, not far from villages of only 3 houses, where the village has a name and the dirt road doesn't.

lemanfan

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Re: Mustachian People Problems (just for fun)
« Reply #10299 on: March 09, 2024, 01:02:32 PM »
All those who like this sort of thing might be amused to search for any of the lists of "falsehoods programmers believe about addresses." DH just found such a list, and observed that, "all addresses have an apartment number" was not on it. DH grew up in a small town, not far from villages of only 3 houses, where the village has a name and the dirt road doesn't.

Here in Sweden, one of the main chain of supermarkets / grocery stores had a little problem recently. Their new point of sale systems and credit cards readers couldn't handle that February had 29 days...  Many programmers  laughed.  :)

 

Wow, a phone plan for fifteen bucks!