Author Topic: Mustachian People Problems (just for fun)  (Read 5237004 times)

Metalcat

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Re: Mustachian People Problems (just for fun)
« Reply #10350 on: March 30, 2024, 09:37:10 AM »
Wait...is depositing cash into bank machines not something normally done in the US??

How were you folks depositing cash in the before-times when cash was so common?? Did you have to wait in lines for humans to count and deposit cash??

I'm so confused...

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #10351 on: March 30, 2024, 10:15:22 AM »
Wait...is depositing cash into bank machines not something normally done in the US??

I do it all the time, but I don't think most people need to deposit cash unless they own a business (in which case it's too much for an ATM) so they've never thought about it.

I constantly deposit smallish amounts because 1. my mother pays me back for things I buy/pay for as a convenience (e.g. picking things up at a fancy bakery in the city, buying concert tickets, etc.) 2. a friend of mine doesn't have a credit card and will pay me back for things I buy for him.

Metalcat

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Re: Mustachian People Problems (just for fun)
« Reply #10352 on: March 30, 2024, 10:22:02 AM »
Wait...is depositing cash into bank machines not something normally done in the US??

I do it all the time, but I don't think most people need to deposit cash unless they own a business (in which case it's too much for an ATM) so they've never thought about it.

I constantly deposit smallish amounts because 1. my mother pays me back for things I buy/pay for as a convenience (e.g. picking things up at a fancy bakery in the city, buying concert tickets, etc.) 2. a friend of mine doesn't have a credit card and will pay me back for things I buy for him.

I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

That said, I'm in Canada where there are only a handful of major banks, so if you're in an urban area, you're always near a bank machine for your own bank.

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Re: Mustachian People Problems (just for fun)
« Reply #10353 on: March 30, 2024, 10:34:00 AM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

Metalcat

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Re: Mustachian People Problems (just for fun)
« Reply #10354 on: March 30, 2024, 10:39:16 AM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

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Re: Mustachian People Problems (just for fun)
« Reply #10355 on: March 30, 2024, 10:43:41 AM »
My partner used to tutor, and got paid in cash. Hed let it accumulate for months and eventually go deposit gobs of cash with a real teller.

I used to use him as my personal atm when I needed cash and Id transfer money to his account.

This was just a few years ago, pre-pandemic. Ive never deposited cash via atm.

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Re: Mustachian People Problems (just for fun)
« Reply #10356 on: March 30, 2024, 11:35:10 AM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

In my 34 years banking in the US, I can only remember depositing cash a handful of times. The last time I did it, I remember being surprised that I didn't have to put it in a bank envelope with the amount written on it. These days you can just feed the cash in and it counts it for you.

It's rare for me to have more than $1,000 in cash at any time. I usually take out $800 at a time to save me going to the ATM more than once every six weeks or so. I rarely use cash anymore, but I keep $100 or so in my wallet just in case. The rest goes to my wife - she likes her weekly spending money in cash.

jeroly

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Re: Mustachian People Problems (just for fun)
« Reply #10357 on: March 30, 2024, 12:57:11 PM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

In my 34 years banking in the US, I can only remember depositing cash a handful of times. The last time I did it, I remember being surprised that I didn't have to put it in a bank envelope with the amount written on it. These days you can just feed the cash in and it counts it for you.

It's rare for me to have more than $1,000 in cash at any time. I usually take out $800 at a time to save me going to the ATM more than once every six weeks or so. I rarely use cash anymore, but I keep $100 or so in my wallet just in case. The rest goes to my wife - she likes her weekly spending money in cash.

While most ATMs have allowed cash deposits since 'forever' (at least into the same bank's ATMs, not across the network into one for another bank), many or most people (including me) avoid this because you have little proof that you actually made the deposit - the money is slipped into an envelope on which you record the amount, and you have very little proof of your side of the transaction.  While it's true you have little proof that an ATM actually dispensed what you requested, limits on the amount you can withdraw also limit the risk - you could potentially deposit $5,000 and only get recorded for say $500, but you can't withdraw $5,000 (due to those limits) and only get $500.

dividendman

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Re: Mustachian People Problems (just for fun)
« Reply #10358 on: March 30, 2024, 06:46:27 PM »
Hrm... Not sure which ATMs you are using but citi and wells Fargo they scan the bills (not in an envelope) and then ask if you confirm. If you don't it gives you back whatever you put in.

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Re: Mustachian People Problems (just for fun)
« Reply #10359 on: March 31, 2024, 12:34:02 PM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

I remember putting cash into the envelope and into the atm as a kid/teen, so 90s/2000s. It couldn't take coin of course. At some point it switched to no envelope needed, but even so there is still a variety of capabilities with atms today.

As for individuals not realizing this, I learned how to use an atm from watching my parents. Not everyone has that, nor does everyone's parents know how to use a atm fully.

Metalcat

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Re: Mustachian People Problems (just for fun)
« Reply #10360 on: March 31, 2024, 12:37:00 PM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

I remember putting cash into the envelope and into the atm as a kid/teen, so 90s/2000s. It couldn't take coin of course. At some point it switched to no envelope needed, but even so there is still a variety of capabilities with atms today.

As for individuals not realizing this, I learned how to use an atm from watching my parents. Not everyone has that, nor does everyone's parents know how to use a atm fully.

I'm still trying to figure out if people just didn't deposit cash somehow, or if they lined up to have human beings count and deposit cash for them??

Because I'm 99.9% positive that I learned about depositing cash in machines from a teller who rolled her eyes at me and said "you know you can just use the machine to deposit this, right?"

NotJen

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Re: Mustachian People Problems (just for fun)
« Reply #10361 on: March 31, 2024, 01:17:00 PM »
I'm still trying to figure out if people just didn't deposit cash somehow, or if they lined up to have human beings count and deposit cash for them??

Because I'm 99.9% positive that I learned about depositing cash in machines from a teller who rolled her eyes at me and said "you know you can just use the machine to deposit this, right?"

I deposited cash in an ATM a few times maybe 20 years ago, but overall, I've never had the need to deposit much cash.

Sure, in my childhood I would put babysitting money in savings at the bank in person, but I didn't have a checking account.  I haven't been paid in cash since then.

As an adult - no one gives me cash.  If they do, I just keep it and spend it.


I currently go to a teller and line up to take out cash, though.  My bank is walking distance and driving up to the ATM seems stupid (walking up to it seems stupider).  Plus, they give me a free coffee when I go in.  Win-win.

Catbert

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Re: Mustachian People Problems (just for fun)
« Reply #10362 on: March 31, 2024, 01:24:05 PM »
I never had a job that paid cash so I never had to figure out how to deal with more cash than I needed.  When I was a teenager with jobs like babysitting ATMs didn't even exist!  (Yes, I am that old.)  I kept what I was going to spend and put the rest in a savings account.  I currently use an ATM once a month or so to get money out because I have some people that want cash (e.g., housecleaner).

First I even knew ATMs took cash was the story I told above about my sister depositing GS cookie cash.

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Re: Mustachian People Problems (just for fun)
« Reply #10363 on: March 31, 2024, 02:10:58 PM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

I remember putting cash into the envelope and into the atm as a kid/teen, so 90s/2000s. It couldn't take coin of course. At some point it switched to no envelope needed, but even so there is still a variety of capabilities with atms today.

As for individuals not realizing this, I learned how to use an atm from watching my parents. Not everyone has that, nor does everyone's parents know how to use a atm fully.

I'm still trying to figure out if people just didn't deposit cash somehow, or if they lined up to have human beings count and deposit cash for them??

Because I'm 99.9% positive that I learned about depositing cash in machines from a teller who rolled her eyes at me and said "you know you can just use the machine to deposit this, right?"

I generally didn't deposit cash in an ATM until I switched to a bank that scanned the bills, within the last 5 years. As @jeroly pointed out, there is no way to prove how much was in the envelope. I had heard horror stories of dishonest bankers taking the contents & the customer getting the shaft. So yeah, if I had cash to deposit I'd go inside.

That being said, I never had a lot of cash around and would usually just spend it down instead of going to the bank. Whoever said they had $800-$1000 laying around most times...that's nearly 5x the amount I would ever have at one time, so it was not usually a big deal. Also in those days I banked at a small regional bank (which is now part of BMO) that didn't keep the number of tellers minimal in order to reduce operating costs, like most banks do now-a-days. So it was a 5-10 minute errand usually, and only a handfull of times a year. Not a big deal.

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Re: Mustachian People Problems (just for fun)
« Reply #10364 on: March 31, 2024, 02:13:44 PM »
I'm still trying to figure out if people just didn't deposit cash somehow, or if they lined up to have human beings count and deposit cash for them??

Because I'm 99.9% positive that I learned about depositing cash in machines from a teller who rolled her eyes at me and said "you know you can just use the machine to deposit this, right?"

We lined up to have human beings count and deposit cash for us.  At least my family did.

Many reasons for this back then, some of which still sometimes apply:

1.  ATMs, when introduced, were mostly marketed as ways to get cash out of your account.  The ability to deposit, check balances, and transfer money weren't emphasized and may not have been available until later.

2.  Technically I think it's easier for ATMs to dispense cash than to collect it.  For a (long?) while, you put your bills in an envelope, totaled it yourself, sealed the envelope, and then put it in the ATM, where later a teller would take the envelope, open it, double check the total, and then do the deposit for you.  It was possible the teller would come up with a different total, and they'd adjust it for you on the deposit.  Some people who knew how this worked (a) didn't see the envelope and ATM machine as helping much, and (b) didn't like the idea of their deposit being adjusted later.

3.  Some tellers probably viewed ATMs as competition / automation taking their jobs, so they didn't see the incentive of telling customers they could use the ATMs instead of tellers.

4.  ATMs never have, as far as I know, been able to take coins as deposit.  Also, until recently, the ability to take checks as deposit was not available (at least not around here).  Tellers can handle both coins and checks.

5.  Some customers just like to deal with a person rather than a machine.

6.  Similar to #4, one might have another banking matter to handle, such as asking about a car loan, or getting cash back in specific denominations like $2 bills for grandkids or tips, that an ATM may not handle.  Might as well ask the question while the teller is handling a deposit.

7.  It's just what we were used to.  I still do some things "the old fashioned way" just because I'm comfortable doing them that way, even though there may be faster / easier ways of which I am aware.  Because change takes effort and I might not have the spoons for it.

deborah

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Re: Mustachian People Problems (just for fun)
« Reply #10365 on: March 31, 2024, 04:02:53 PM »
The recently I was at a bank with my mother, and people were dumping bags of coins into a coin ATM in the foyer area. The ATM had a chute and counted all the coins as they zoomed in.

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Re: Mustachian People Problems (just for fun)
« Reply #10366 on: March 31, 2024, 05:07:20 PM »
I guess?? I had a lot of small cash-paying jobs or tip-paying jobs in the 90s and was always depositing in machines, so this just feels like it's something that's been so normal for decades to me.

People just don't use cash that much in 2024. They're not usually paying restaurant bills in cash and tipping with bills and coins for waitstaff, either. At least not in the US.

That's why I specifically asked about what people did in the past, when cash was more common, then I referenced the 90s.

If people are just finding out *now* that machines accept not just cheque deposits, but also cash deposits, what were they doing to deposit cash in previous decades when cash was more common??

Your previous reply seems to imply that people rarely deposited cash, which I guess could be true, maybe my experience of even needing to deposit cash was somehow rare??

I'm just kind of baffled.

I remember putting cash into the envelope and into the atm as a kid/teen, so 90s/2000s. It couldn't take coin of course. At some point it switched to no envelope needed, but even so there is still a variety of capabilities with atms today.

As for individuals not realizing this, I learned how to use an atm from watching my parents. Not everyone has that, nor does everyone's parents know how to use a atm fully.

I'm still trying to figure out if people just didn't deposit cash somehow, or if they lined up to have human beings count and deposit cash for them??

Because I'm 99.9% positive that I learned about depositing cash in machines from a teller who rolled her eyes at me and said "you know you can just use the machine to deposit this, right?"

My family always went inside so they could teach me things about working with people that worked with money.  One of the lessons was "get to know the employees by taking cookies."  And my dad would take in a batch of my mom's cookies when we went to the credit union to do what ever.  We always got great service, even when we had something difficult that needed to be done, but that was because the ground work was laid with years of good interactions and a sweet touch.  Everyone there loved my parents :).

I don't take in cookies (I'm kinda nervous about doing it-different generation), but DH and I  do deposit cash on occasion.  We always go inside to make sure we meet people, are friendly, and at least get a little face-time.  Turnover is a lot higher than it was back in the 90s though. 

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #10367 on: March 31, 2024, 05:35:44 PM »
My family always went inside so they could teach me things about working with people that worked with money.  One of the lessons was "get to know the employees by taking cookies."  And my dad would take in a batch of my mom's cookies when we went to the credit union to do what ever.  We always got great service, even when we had something difficult that needed to be done, but that was because the ground work was laid with years of good interactions and a sweet touch.  Everyone there loved my parents :).

That's great. Back in the day you could probably get a quarter point off your mortgage by baking cookies for five years, LOL.

My parents have been die-hards at their local diner for twenty years, and they tip well and give extra little holiday gifts to the servers. My mom was just telling me that when she mentioned to her waitress that she loved butternut squash but never cooks with it because it's too hard to cut up and peel with a knife (elderly/arthritis/etc) she said to just bring them her squash and she would get the cooks in the kitchen to prep it for her!

Honestly that would be an incredible service for the elderly and disabled if you could make it affordable. Get a few chefs, bring your veg, pay by the minute for however long it takes.

NotJen

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Re: Mustachian People Problems (just for fun)
« Reply #10368 on: March 31, 2024, 05:44:48 PM »
My parents have been die-hards at their local diner for twenty years, and they tip well and give extra little holiday gifts to the servers. My mom was just telling me that when she mentioned to her waitress that she loved butternut squash but never cooks with it because it's too hard to cut up and peel with a knife (elderly/arthritis/etc) she said to just bring them her squash and she would get the cooks in the kitchen to prep it for her!

Honestly that would be an incredible service for the elderly and disabled if you could make it affordable. Get a few chefs, bring your veg, pay by the minute for however long it takes.

Grocery stores already do this - sell pre-cut convenience veggies - including butternut squash.  It's also possible this might be available in the frozen food aisle, but I don't shop there often enough to notice.

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Re: Mustachian People Problems (just for fun)
« Reply #10369 on: March 31, 2024, 05:56:11 PM »
I love butternut squash, but used to be like your Mom, often skipping it because of the hassle.  But now I cook it frequently.  Just cut it in half, scoop out the seeds and roast at 350 degrees for 45-60 minutes, depending on the size and whether you still want it firm enough to cut into cubes. The do sell precut squash as several stores near me, but it's about double the price and often dried out.

deborah

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Re: Mustachian People Problems (just for fun)
« Reply #10370 on: March 31, 2024, 06:22:11 PM »
The skin of a butternut is soft enough that I use a vegetable peeler to get most of it off. The occasional curve needs a knife.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #10371 on: March 31, 2024, 07:00:17 PM »
Cutting it in half is the hard part if you are elderly and lack strength and dexterity in your hands. That is the part my mom won't do. Peeling it is also tough raw, but you could cook it in the skin.

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Re: Mustachian People Problems (just for fun)
« Reply #10372 on: March 31, 2024, 11:41:07 PM »
DH had a huge stash of painter's and carpenter's bibs on hand when he retired. Huge, as in 29 pair, all new and most still in package (NIP). He finally decided to keep two and sell the rest. A few were Dickies and the rest were Carhardtts. He listed them on ebay, where they gradually sold for very modest prices.

For regular  jeans, he prefers Kirkland. In winter, he lives in Weatherproof lined jeans, which I get at Costco if I'm lucky, or on ebay. They wear like iron.

We haven't seen non-stretchy Kirkland jeans in-warehouse or online for several months now. DH is reluctantly trying a stretchy pair because most of his old ones are on their way to garden-only status, if not already there.

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Re: Mustachian People Problems (just for fun)
« Reply #10373 on: April 01, 2024, 07:08:35 AM »
I received about $750 cash that I need to deposit (so that it can earn interest). My closest bank branch is 5 miles away, but the deal is they refund all ATM fees. So I thought I could just deposit it in a closer bank's ATM. Nope. Deposit was not an option on the screen. Now I have to drive or bike A WHOLE 5 MILES but I learned something about ATMs.
OTOH, it's never a bad thing to have a small cache of cash on hand.

Back to the Carhardtt conversation. DH had a huge stash of painter's and carpenter's bibs on hand when he retired. Huge, as in 29 pair, all new and most still in package (NIP). He finally decided to keep two and sell the rest. A few were Dickies and the rest were Carhardtts. He listed them on ebay, where they gradually sold for very modest prices.

For regular  jeans, he prefers Kirkland. In winter, he lives in Weatherproof lined jeans, which I get at Costco if I'm lucky, or on ebay. They wear like iron.

29 pairs?!
I guess I'm a minimalist, I generally rotate through three pairs of work jeans (Wranglers) that range from really bad ( hole in left knee, always left knee), to kinda bad (wear in left knee), to soon-will-be-bad.
I have another contractor pal who swears by the $19.99 Kirklands for work.
I wore the double front Carhartt logger dungarees for years but they're too heavy, also a number of years ago they changed the sizing and made them all baggy; also, "Wrangler butts drive women nuts", and who wouldn't want that when working?

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10374 on: April 01, 2024, 09:18:10 AM »
I received about $750 cash that I need to deposit (so that it can earn interest). My closest bank branch is 5 miles away, but the deal is they refund all ATM fees. So I thought I could just deposit it in a closer bank's ATM. Nope. Deposit was not an option on the screen. Now I have to drive or bike A WHOLE 5 MILES but I learned something about ATMs.
OTOH, it's never a bad thing to have a small cache of cash on hand.

Back to the Carhardtt conversation. DH had a huge stash of painter's and carpenter's bibs on hand when he retired. Huge, as in 29 pair, all new and most still in package (NIP). He finally decided to keep two and sell the rest. A few were Dickies and the rest were Carhardtts. He listed them on ebay, where they gradually sold for very modest prices.

For regular  jeans, he prefers Kirkland. In winter, he lives in Weatherproof lined jeans, which I get at Costco if I'm lucky, or on ebay. They wear like iron.

29 pairs?!
I guess I'm a minimalist, I generally rotate through three pairs of work jeans (Wranglers) that range from really bad ( hole in left knee, always left knee), to kinda bad (wear in left knee), to soon-will-be-bad.
I have another contractor pal who swears by the $19.99 Kirklands for work.
I wore the double front Carhartt logger dungarees for years but they're too heavy, also a number of years ago they changed the sizing and made them all baggy; also, "Wrangler butts drive women nuts", and who wouldn't want that when working?
His employer provided a work clothing allowance and it had to be spent at a specific store. The annual amount did not roll over, so if the store was out of something he wanted, he'd just grab bibs to make up the total. Also, he was the FNG for most of his career. As guys retired, they often passed on piles of work clothing. None of those 29 bibs, plus the 2 new pair he kept, cost him anything OOP. Finally, he never felt he should resell any clothing while he was working. He did pass some stuff on to his colleagues when he retired, mostly Carhardtt t-shirts.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #10375 on: April 01, 2024, 09:29:24 AM »
Grocery stores already do this - sell pre-cut convenience veggies - including butternut squash.  It's also possible this might be available in the frozen food aisle, but I don't shop there often enough to notice.

They are not the same as fresh, though. I have had serious problems with my hands/shoulder/etc. and the convenience pre-cut veg is often dried out or mushy/halfway to rotting and much more expensive, plus you have to buy a certain amount of it that may not be what you need, leading to waste. Cut fruit is often unripe. Plus it's all in plastic which leads to a ton of plastic waste. It's not great. Imagine all your produce was twice the price and half as good and in plastic. :-(

Frozen is decent, but there are very limited things that are good frozen, and they only cook well in certain applications since they tend to release water (e.g. fine in soups, less good in a stir fry, unusable in crudites).

sonofsven

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Re: Mustachian People Problems (just for fun)
« Reply #10376 on: April 02, 2024, 06:07:28 AM »
I received about $750 cash that I need to deposit (so that it can earn interest). My closest bank branch is 5 miles away, but the deal is they refund all ATM fees. So I thought I could just deposit it in a closer bank's ATM. Nope. Deposit was not an option on the screen. Now I have to drive or bike A WHOLE 5 MILES but I learned something about ATMs.
OTOH, it's never a bad thing to have a small cache of cash on hand.

Back to the Carhardtt conversation. DH had a huge stash of painter's and carpenter's bibs on hand when he retired. Huge, as in 29 pair, all new and most still in package (NIP). He finally decided to keep two and sell the rest. A few were Dickies and the rest were Carhardtts. He listed them on ebay, where they gradually sold for very modest prices.

For regular  jeans, he prefers Kirkland. In winter, he lives in Weatherproof lined jeans, which I get at Costco if I'm lucky, or on ebay. They wear like iron.

29 pairs?!
I guess I'm a minimalist, I generally rotate through three pairs of work jeans (Wranglers) that range from really bad ( hole in left knee, always left knee), to kinda bad (wear in left knee), to soon-will-be-bad.
I have another contractor pal who swears by the $19.99 Kirklands for work.
I wore the double front Carhartt logger dungarees for years but they're too heavy, also a number of years ago they changed the sizing and made them all baggy; also, "Wrangler butts drive women nuts", and who wouldn't want that when working?
His employer provided a work clothing allowance and it had to be spent at a specific store. The annual amount did not roll over, so if the store was out of something he wanted, he'd just grab bibs to make up the total. Also, he was the FNG for most of his career. As guys retired, they often passed on piles of work clothing. None of those 29 bibs, plus the 2 new pair he kept, cost him anything OOP. Finally, he never felt he should resell any clothing while he was working. He did pass some stuff on to his colleagues when he retired, mostly Carhardtt t-shirts.
Ah, got it. I've never had a clothing allowance so I tend to scrape by. I have Dickies but they're my fancy pants. Although I did wear my black pair to a funeral and realized there was a dime size hole in the thigh, too late.

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #10377 on: April 03, 2024, 08:54:30 PM »
Grocery stores already do this - sell pre-cut convenience veggies - including butternut squash.  It's also possible this might be available in the frozen food aisle, but I don't shop there often enough to notice.

They are not the same as fresh, though. I have had serious problems with my hands/shoulder/etc. and the convenience pre-cut veg is often dried out or mushy/halfway to rotting and much more expensive, plus you have to buy a certain amount of it that may not be what you need, leading to waste. Cut fruit is often unripe. Plus it's all in plastic which leads to a ton of plastic waste. It's not great. Imagine all your produce was twice the price and half as good and in plastic. :-(

Frozen is decent, but there are very limited things that are good frozen, and they only cook well in certain applications since they tend to release water (e.g. fine in soups, less good in a stir fry, unusable in crudites).

Agreed across the board. What you need is a friend who hates doing financial to-dos (or something else at which you excel effortlessly) & loves to work in the kitchen to trade labor with.

Shamantha

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Re: Mustachian People Problems (just for fun)
« Reply #10378 on: April 04, 2024, 05:11:02 AM »
Retired July last year, at 57 with a 10 year window until my pension kicks in. Pension and social security are sufficient to live off in 10 years time so the stash is just to bridge these 10 years. I have a combination of shares, index funds and savings. It was always the intention to start drawing down from the shares/index funds, but now that I actually have to start that I am thinking "Noooooooo they are doing so well! I don't want to sell anything! Look at the growth!" Early retirement itself was a seamless shift, but the shift from the accumulation phase to the spending phase hurts!

scottnews

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Re: Mustachian People Problems (just for fun)
« Reply #10379 on: April 04, 2024, 05:34:40 AM »
Retired July last year, at 57 with a 10 year window until my pension kicks in. Pension and social security are sufficient to live off in 10 years time so the stash is just to bridge these 10 years. I have a combination of shares, index funds and savings. It was always the intention to start drawing down from the shares/index funds, but now that I actually have to start that I am thinking "Noooooooo they are doing so well! I don't want to sell anything! Look at the growth!" Early retirement itself was a seamless shift, but the shift from the accumulation phase to the spending phase hurts!

I'm not looking forward to this.   Thoughts of the good things that can be done with this money, OMY, and barista FIRE start rolling through my math.

NorthernIkigai

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Re: Mustachian People Problems (just for fun)
« Reply #10380 on: April 04, 2024, 06:17:49 AM »
Retired July last year, at 57 with a 10 year window until my pension kicks in. Pension and social security are sufficient to live off in 10 years time so the stash is just to bridge these 10 years. I have a combination of shares, index funds and savings. It was always the intention to start drawing down from the shares/index funds, but now that I actually have to start that I am thinking "Noooooooo they are doing so well! I don't want to sell anything! Look at the growth!" Early retirement itself was a seamless shift, but the shift from the accumulation phase to the spending phase hurts!

I'm not looking forward to this.   Thoughts of the good things that can be done with this money, OMY, and barista FIRE start rolling through my math.

The only good thing about being far from FIRE is that this problem is still far, far in the future ;-)

Who am I kidding, Mustachianism is a good thing where ever you are on the path: not feeling the need to buy all kinds of crap, being in control of your finances, understanding how investing works, having goals, not stressing about money, developing a strong internal locus of control, having to come up with silly problems that others can only dream of,...

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #10381 on: April 08, 2024, 08:18:33 PM »
Just eat the skin of the squash.  Its good for you, makes everything pretty easy

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #10382 on: April 18, 2024, 04:09:13 PM »
Since they are starting to get a little bit better real yield (in my opinion), I've started to buy some Treasury Inflation-Protected Securities (TIPS).  In the past, I had read about how they are taxed, but I wanted to refresh my memory.  My MPP:  So today, I googled "How are TIPS taxed", and I ended up getting a bunch of search results warning bartenders and wait-staff about reporting their tipped income.  :facepalm:

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #10383 on: April 20, 2024, 11:51:54 AM »
I've been taking an art class per semester from local colleges.  I'm using it to improve my artistic skills for the artwork I'm doing.

I talked over what would be my best option for fall semester and registered for the class online.  And, because it's simpler to just pay for it now rather than worry about having to remember to do it before class starts, I tried paying for it.

Couldn't get the system to let me pay for it!   

Was on campus the next day anyway so I stopped by the bursar to find out what I was doing wrong.

They haven't figured out what the tuition will be next fall so they won't let anyone pay until the 2nd half of July.

I'm probably the only person on the campus who would have this problem.

crocheted_stache

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Re: Mustachian People Problems (just for fun)
« Reply #10384 on: April 20, 2024, 11:06:16 PM »
In a similar vein, I have to pay a not huge amount of estimated taxes this year. It's an amount smaller than my usual checking account balance, and smaller than what used to be my mortgage payment, which I automated.

IRS website will let me schedule a payment for dates up to 365 days away. I paid the balance of last year's taxes in April and paid the April estimated taxes the same day, in a separate payment. I realized I can schedule the one for June, so I tried to do that. I expect to be busy in June. Nope. Two transactions is the limit per day, even if the actual transaction won't happen for months to come.

I went back the other day and scheduled June and September and hit the limit again. I made a calendar entry for January. I suppose I could go back and schedule it now.

TreeLeaf

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Re: Mustachian People Problems (just for fun)
« Reply #10385 on: April 21, 2024, 11:10:44 AM »
Money doesn't motivate me anymore.

Now I have to find something else to motivate me.

naturalhattrick

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Re: Mustachian People Problems (just for fun)
« Reply #10386 on: April 21, 2024, 11:47:42 AM »
Struggling to hit the required minimum spending on a credit card to get the bonus reward.

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #10387 on: April 21, 2024, 11:50:30 AM »
Money doesn't motivate me anymore.

Now I have to find something else to motivate me.

I hear you. Im in the same boat.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10388 on: April 21, 2024, 12:18:25 PM »
Money doesn't motivate me anymore.

Now I have to find something else to motivate me.

I hear you. Im in the same boat.
Go to a Camp or a Meetup! You'll find lots of other cool people with the same MPP.

NorthernIkigai

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Re: Mustachian People Problems (just for fun)
« Reply #10389 on: April 21, 2024, 12:32:09 PM »
Money doesn't motivate me anymore.

Now I have to find something else to motivate me.

I hear CrossFit / veganism / parkrun / Duolingo is looking for new recruits 😉

TreeLeaf

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Re: Mustachian People Problems (just for fun)
« Reply #10390 on: April 22, 2024, 03:10:54 PM »
Money doesn't motivate me anymore.

Now I have to find something else to motivate me.

I hear CrossFit / veganism / parkrun / Duolingo is looking for new recruits 😉

Well...I am already mostly vegan (I am a social meat eater, lol).

But parkrun and CrossFit do sound interesting.

Thanks for the ideas - especially parkrun since I had never heard of it before. Sounds interesting.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #10391 on: April 23, 2024, 04:59:59 AM »
Well...I am already mostly vegan (I am a social meat eater, lol).

Watched a comedy yesterday. By "The Death". (Simplified:) He has gone Vegetarian, he only kills Vegetarians now.

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #10392 on: May 01, 2024, 08:59:34 PM »
Well...I am already mostly vegan (I am a social meat eater, lol).

Watched a comedy yesterday. By "The Death". (Simplified:) He has gone Vegetarian, he only kills Vegetarians now.
Lol, my smart-ass brother swears PITA means People Eating Tasty Animals. I'll have to recommend this to him.

ETA: I meant PETA. It's my brother who's the PITA.

Thanks, AJQ, for spotting my conflation. Do you know my brother?
« Last Edit: May 02, 2024, 07:27:13 AM by Dicey »

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #10393 on: May 02, 2024, 04:21:35 AM »
Well...I am already mostly vegan (I am a social meat eater, lol).

Watched a comedy yesterday. By "The Death". (Simplified:) He has gone Vegetarian, he only kills Vegetarians now.
Lol, my smart-ass brother swears PITA means People Eating Tasty Animals. I'll have to recommend this to him.

You mean PETA in stead of PITA right? Because PITA is Pain In The Ass as far as I know (which may also apply to the smart ass brother) 😂

On topic:
Had an argument at the pharmacy where they switched meds to a cheaper one with the same effective ingredients. However, that one was fluid rather than powrder inhaler (hay fever season FTW). She refused to swap it because the insurance wouldn't cover it, I wanted the powder one because that one works much better (which she disputed) and I'm like, what do the powerder inhalers cost?
Paid the 90 and asked her to give me the choice next time my doctor prescribes something that my insurance doesn't cover.

I can also deduct medical cost not covered by insurance in tax application so I'm not even out that much.

TreeLeaf

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Re: Mustachian People Problems (just for fun)
« Reply #10394 on: May 02, 2024, 05:38:42 AM »
I made an extra random 2k from a special dividend from one of the companies I have shares in that I was not expecting.

It's sort of frustrating because most of the dividends are pretty predictable, but this company will completely randomly hand out special dividends. I want to sell the shares to get out of the company, but that would mean another 50-60k in capital gains that I don't want to pay taxes on because it's in my taxable account.

So...I guess I will just accept the random nature of these dividends.

Sandi_k

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Re: Mustachian People Problems (just for fun)
« Reply #10395 on: May 02, 2024, 08:23:32 AM »
My MPP is on brand: I got a promotion, effective 1-1-24, and the data was entered in the payroll system 2 months ago. Our retirement estimator did not update in March. Nor in April.

I logged on this morning, and it is FINALLY allowing me to do a retirement estimate based on the new salary...and they have the effective date as April 1, 2024, instead of January! It probably only means a $25 per month difference in retirement, but I find myself annoyed. :-)

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #10396 on: May 02, 2024, 10:31:06 AM »
My MPP is on brand: I got a promotion, effective 1-1-24, and the data was entered in the payroll system 2 months ago. Our retirement estimator did not update in March. Nor in April.

I logged on this morning, and it is FINALLY allowing me to do a retirement estimate based on the new salary...and they have the effective date as April 1, 2024, instead of January! It probably only means a $25 per month difference in retirement, but I find myself annoyed. :-)

Ask them to fix it. That's not ok. It's not just the money, it's the inaccurate record keeping. Sometimes that causes problems in weird ways.

Catbert

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Re: Mustachian People Problems (just for fun)
« Reply #10397 on: May 02, 2024, 11:11:58 AM »
I made an extra random 2k from a special dividend from one of the companies I have shares in that I was not expecting.

It's sort of frustrating because most of the dividends are pretty predictable, but this company will completely randomly hand out special dividends. I want to sell the shares to get out of the company, but that would mean another 50-60k in capital gains that I don't want to pay taxes on because it's in my taxable account.

So...I guess I will just accept the random nature of these dividends.

Assuming you're in the US consider setting up a Donor Advised Fund (DAF) and donating the stock.  You can then make donations to whatever charity you want.  You get the tax deduction (assuming you itemize) and don't have to pay capital gains on the sale.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #10398 on: May 02, 2024, 01:16:17 PM »
I made an extra random 2k from a special dividend from one of the companies I have shares in that I was not expecting.

It's sort of frustrating because most of the dividends are pretty predictable, but this company will completely randomly hand out special dividends. I want to sell the shares to get out of the company, but that would mean another 50-60k in capital gains that I don't want to pay taxes on because it's in my taxable account.

So...I guess I will just accept the random nature of these dividends.

Assuming you're in the US consider setting up a Donor Advised Fund (DAF) and donating the stock.  You can then make donations to whatever charity you want.  You get the tax deduction (assuming you itemize) and don't have to pay capital gains on the sale.
And the nice thing is that you don't have to direct those grants to a charity until you're good and ready.  And that DAF can be invested, so that it, too, grows alongside your own investments!

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #10399 on: May 03, 2024, 09:06:22 AM »
Having to call to get my credit limit raised to pay for a new roof. Will still pay it off at the end of the month, but want the points. Then having to call again to lower my credit limit to lower the exposure to credit card fraud.


 

Wow, a phone plan for fifteen bucks!