Author Topic: Mustachian People Problems (just for fun)  (Read 5086757 times)

LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #4050 on: July 28, 2017, 08:39:19 PM »
My internet contract is up next week. Would have jumped $25/month if I didn't do anything. New rate is $10 higher than old rate for the new promo for just internet. *OR* for the same price I could have basic cable and free HBO! Okay, sure. BUT WAIT. Turns out there's a $7/month "broadcast fee". Ummm, what is this bullshit? They tell me it's not them, it's "required", so they can't waive it. I turned down the TV/HBO package. The lady simply could not understand why I cared about $7/month.

Bahaha!  I went through the same ordeal with Comcast yesterday.  I called to cancel only my internet service with them because our building had just been gigabit wired by another provider, and I can now get much better speed for much less money per month.  When the best TV price Comcast could offer for the "limited basic" was still over $50 plus taxes and fees, I was like, "Okay, you can cancel my TV service, too."  FINALLY, I'VE CUT MY CABLE CORD!  And as a bonus, my internet is now running at DOUBLE the speed (based on actual speedtest comparison) for HALF the cost with the new provider!
« Last Edit: July 28, 2017, 08:42:38 PM by LeRainDrop »

UKMustache

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Re: Mustachian People Problems (just for fun)
« Reply #4051 on: July 29, 2017, 02:00:08 AM »


That is hilarious.  So the alarm was just perpetually going off without a siren?  Or did they finally rip it out?

I had a similar thing. 

I bought a used motorbike not as a toy but because it was by far the cheapest commuting method for my journey at the time.

Anyway, after searching for a cheap one I realised that I could get a real bargain if I was willing to travel about 200 miles into the sticks, even with travelling costs included these things were going for peanuts there because they had such a limited market.

So I travel down and pick it up, the guy tells me it has an alarm on it but it doesn't work.  I ride it all the way home over the next 4 hours and well I'll be damned, the further I go the louder the alarm gets.  Turns out it had some sort of internal battery and because the guy had just been doing little journeys on it the damn thing had gone flat while he owned it.

I took it to a garage and they managed to get it in service mode but couldn't do anything else because it was defective.  They quoted (IIRC) about 30% of what I'd paid for the bike to remove the alarm because it was wired into EVERYTHING, the bike would need a total rewire.

Needless to say, I rode around on that thing in service mode for the next 2 years.  It made a loud beep every 30 seconds.
If you listen carefully you can hear it about 6 seconds into this video - https://www.youtube.com/watch?v=S6j1_ox5EdY

I didn't notice it after a while and I wore earplugs on the bike anyway.  I did get some strange looks though.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4052 on: July 29, 2017, 02:33:00 AM »


That is hilarious.  So the alarm was just perpetually going off without a siren?  Or did they finally rip it out?

I had a similar thing. 

I bought a used motorbike not as a toy but because it was by far the cheapest commuting method for my journey at the time.

Anyway, after searching for a cheap one I realised that I could get a real bargain if I was willing to travel about 200 miles into the sticks, even with travelling costs included these things were going for peanuts there because they had such a limited market.

So I travel down and pick it up, the guy tells me it has an alarm on it but it doesn't work.  I ride it all the way home over the next 4 hours and well I'll be damned, the further I go the louder the alarm gets.  Turns out it had some sort of internal battery and because the guy had just been doing little journeys on it the damn thing had gone flat while he owned it.

I took it to a garage and they managed to get it in service mode but couldn't do anything else because it was defective.  They quoted (IIRC) about 30% of what I'd paid for the bike to remove the alarm because it was wired into EVERYTHING, the bike would need a total rewire.

Needless to say, I rode around on that thing in service mode for the next 2 years.  It made a loud beep every 30 seconds.
If you listen carefully you can hear it about 6 seconds into this video - https://www.youtube.com/watch?v=S6j1_ox5EdY

I didn't notice it after a while and I wore earplugs on the bike anyway.  I did get some strange looks though.

Great story!  I'm surprised you couldn't have just ripped out the noise maker thingy (highly technical term)

UKMustache

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Re: Mustachian People Problems (just for fun)
« Reply #4053 on: July 29, 2017, 02:41:16 AM »

Great story!  I'm surprised you couldn't have just ripped out the noise maker thingy (highly technical term)

It was a sealed black box unit and had been wired in with plain black wires replacing all the colours by some foolish amateur.  It was still going when I sold the bike for what I had paid 2 years later with triple the mileage!

MrsOz

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Re: Mustachian People Problems (just for fun)
« Reply #4054 on: July 29, 2017, 03:25:48 PM »
I had a small personal loan I was paying off and I decided to add it to my spreadsheet so I could have the fun of seeing the balance go down.

But my net worth is so high you could barely see the debt on the graph :(

Thank you for this. I LOL'd!

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #4055 on: July 29, 2017, 08:15:48 PM »
The car alarms I remember would go off if you moved the handle, or bumped the car hard.) 
Yeah that was my recollection too. Twenty years ago, it seemed like car alarms would go off all the time. To the point where we kids would be instructed to steer well clear of people's vehicles because some of them were on full paranoia mode and just looking at them the wrong way would trigger it.

Glad that's not an issue anymore.
Years ago we went to the park to watch the fireworks display, We sat near a car that had an alarm that would start whoop,whoop, whooping when a loud boom happened. So basically it would whoop until it automatically shut off, then boom and it would start again, time out and then boom, it would start again. Ya, it ran the whole show, there were a lot of PO people.

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #4056 on: July 31, 2017, 10:29:55 AM »
The car alarms I remember would go off if you moved the handle, or bumped the car hard.) 
Yeah that was my recollection too. Twenty years ago, it seemed like car alarms would go off all the time. To the point where we kids would be instructed to steer well clear of people's vehicles because some of them were on full paranoia mode and just looking at them the wrong way would trigger it.

Glad that's not an issue anymore.
Years ago we went to the park to watch the fireworks display, We sat near a car that had an alarm that would start whoop,whoop, whooping when a loud boom happened. So basically it would whoop until it automatically shut off, then boom and it would start again, time out and then boom, it would start again. Ya, it ran the whole show, there were a lot of PO people.

They should make it legal to stop a car alarm by whatever means necessary if it's a false alarm. 

ketchup

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Re: Mustachian People Problems (just for fun)
« Reply #4057 on: July 31, 2017, 10:33:23 AM »
The car alarms I remember would go off if you moved the handle, or bumped the car hard.) 
Yeah that was my recollection too. Twenty years ago, it seemed like car alarms would go off all the time. To the point where we kids would be instructed to steer well clear of people's vehicles because some of them were on full paranoia mode and just looking at them the wrong way would trigger it.

Glad that's not an issue anymore.
Years ago we went to the park to watch the fireworks display, We sat near a car that had an alarm that would start whoop,whoop, whooping when a loud boom happened. So basically it would whoop until it automatically shut off, then boom and it would start again, time out and then boom, it would start again. Ya, it ran the whole show, there were a lot of PO people.
When I was in high school (05-09) I was in the marching band and we'd often practice parade marching in the parking lot.  Car alarms would be constantly going off as the drumline went by.  Nobody batted an eye.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #4058 on: July 31, 2017, 08:11:14 PM »
They should make it legal to stop a car alarm by whatever means necessary if it's a false alarm.

I had that thought about alarm clocks when my dorm mates used to go away and leave them plugged in.

Come 6am there would be a horde of pissed off uni students trying to break down a door.

By the River

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Re: Mustachian People Problems (just for fun)
« Reply #4059 on: August 01, 2017, 07:07:40 AM »
I had that thought about alarm clocks when my dorm mates used to go away and leave them plugged in.

Come 6am there would be a horde of pissed off uni students trying to break down a door.

My dorm had the same problem with a super loud alarm clock, the only difference is that the student was still in the room sleeping through an air raid siren.

Reynold

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Re: Mustachian People Problems (just for fun)
« Reply #4060 on: August 01, 2017, 09:19:35 AM »
I got an unclaimed funds notice from Lending Club, because apparently 32 cents mysteriously showed up in my account at some point in the last 4 years since I sold everything and cashed out. But I moved out of state and changed my bank account etc. so I can't transfer it out without getting customer support involved.

MPP: trying to figure out how many minutes/hours is acceptable to spend trying to cash out 32 cents.

Heh, that reminded me of one; I worked a full time contract job for about a year, which had a 401k I contributed the max to.  I left that for a permanent job.  I moved the 401k money from the contract job to the 401k at my new one. 

Three years later, I got a notice that there had been some kind of accounting issue, and $5.20 or something like that had popped up in my old 401k account.  They couldn't direct transfer that little, so they had to cash me out.  After the $3 fee, I had something like $2.20 I got and had to pay taxes and penalties on for premature withdrawal.  Fortunately the amounts were low enough that they rounded down to zero on my return. 

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4061 on: August 01, 2017, 02:16:25 PM »
When I left my job, I also left my 401k money with the custodian, at least for now it's fine.  They will not stop contacting me about "options for your money".  Like weekly letters and phone calls.  Yeah if I was going to roll it over, it would be going to a different institution so quit bugging me

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #4062 on: August 03, 2017, 05:34:44 AM »
I'm in the process of moving cities, and buying and selling a house.  I'm downsizing a tiny bit in space and about 25% in cost.  My MMP, having to wait 3 days for the excess equity to be released from my bank to vanguard so I can invest it as it is multiple times larger than my normal pulls.

ETA:  Also having personal capital double count the amount and over stating my net worth for a day or two so annoying as both Vanguard and my Bank reported the amount.
« Last Edit: August 03, 2017, 05:39:55 AM by neverrun »

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #4063 on: August 03, 2017, 07:01:11 AM »
Also having personal capital double count the amount and over stating my net worth for a day or two so annoying as both Vanguard and my Bank reported the amount.

That happened to me last month, but in the negative.  Bank showed transfer out, Vanguard showed transfer in, then Vanguard showed securities purchase.  I was negative the amount of the transaction for a few days, then the Vanguard transfer in went away. 

Aegishjalmur

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Re: Mustachian People Problems (just for fun)
« Reply #4064 on: August 03, 2017, 07:30:16 AM »
Talking with coworkers regarding couple of coworkers recently retiring and another planning to retire in the next month or so. Coworker mentioned having 2 years 8 months until they can retire to get full ss. MPP-> Having to keep my mouth shut as my target date is under 9 months and I am pretty sure they did not want to hear that from someone 3 decades younger.

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #4065 on: August 03, 2017, 10:07:14 AM »
Talking with coworkers regarding couple of coworkers recently retiring and another planning to retire in the next month or so. Coworker mentioned having 2 years 8 months until they can retire to get full ss. MPP-> Having to keep my mouth shut as my target date is under 9 months and I am pretty sure they did not want to hear that from someone 3 decades younger.

 Ya, terrible to rain on their parade, but wouldn't it have been so much fun to say here's what I did!
Also, how's your tongue?!

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #4066 on: August 03, 2017, 12:01:02 PM »
My spouse has a stress related health issue. Last night he came home and said that if he feels better after our vacation, but then starts hurting again as soon as he returns to work, he will tender his resignation as soon as this year's bonus comes through (even if he doesn't get a bonus, previous stocks will vest at that time, but he always gets a bonus, hence the largely self induces type A stress).

I don't want him to hurt, but...

I did send him to the doctor, like a proper caring person.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4067 on: August 04, 2017, 09:51:03 AM »
We are on vacation in our own country. Out in the country side there is generally an other brand of grocery stores than I usually use. So I made sure one week ahead that I got a membership of that store to get membership discounts. And I would use my normal credit card with 3% discount on groceries.
But during this vacation, almost every time when shopping I forgot to bring my handbag into the shop. So no phone with membership app and no credit card available. My DH had to pay most of the time. He does not have membership and the same CC discount.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #4068 on: August 05, 2017, 12:50:44 AM »
One of my colleagues is getting another job. I'm glad for her but since she lives close by we also share rides when we have meeting in offices other than the main office.
Honestly though, it's a great opportunity for her and I wish her all the best :)

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4069 on: August 09, 2017, 03:55:05 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Cherry Lane

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Re: Mustachian People Problems (just for fun)
« Reply #4070 on: August 09, 2017, 04:32:39 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #4071 on: August 09, 2017, 05:03:23 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

I know they have a job to do but it really is a pet peeve of mine when the trash truck is tearing through the neighborhood at 6 in the morning. I'm an early morning person but I like to have a nice quite cup of coffee before everybody else wakes up and starts making noise. They do my place on Monday and the next block on Tuesday. Really gets the day going good

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4072 on: August 09, 2017, 05:31:55 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Thank you for the reminder... need to take trash and recycling out!

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4073 on: August 09, 2017, 06:26:08 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

I know they have a job to do but it really is a pet peeve of mine when the trash truck is tearing through the neighborhood at 6 in the morning. I'm an early morning person but I like to have a nice quite cup of coffee before everybody else wakes up and starts making noise. They do my place on Monday and the next block on Tuesday. Really gets the day going good

Used to live in the city and those fuckers would come at 3AM.  They were always backing up, and had the beepers on.  Pissed me off, but I guess any other time and they would be stuck in traffic all day.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #4074 on: August 09, 2017, 07:35:14 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

I know they have a job to do but it really is a pet peeve of mine when the trash truck is tearing through the neighborhood at 6 in the morning. I'm an early morning person but I like to have a nice quite cup of coffee before everybody else wakes up and starts making noise. They do my place on Monday and the next block on Tuesday. Really gets the day going good

Used to live in the city and those fuckers would come at 3AM.  They were always backing up, and had the beepers on.  Pissed me off, but I guess any other time and they would be stuck in traffic all day.


I never know when ours come as the public road is way too far away to hear anything, I suppose that's an MPP.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4075 on: August 09, 2017, 08:30:32 PM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

I know they have a job to do but it really is a pet peeve of mine when the trash truck is tearing through the neighborhood at 6 in the morning. I'm an early morning person but I like to have a nice quite cup of coffee before everybody else wakes up and starts making noise. They do my place on Monday and the next block on Tuesday. Really gets the day going good

Used to live in the city and those fuckers would come at 3AM.  They were always backing up, and had the beepers on.  Pissed me off, but I guess any other time and they would be stuck in traffic all day.


I never know when ours come as the public road is way too far away to hear anything, I suppose that's an MPP.

You get trash pickup vs. taking your load to the dump?  CITYSLICKER

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #4076 on: August 10, 2017, 12:16:09 AM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

I know they have a job to do but it really is a pet peeve of mine when the trash truck is tearing through the neighborhood at 6 in the morning. I'm an early morning person but I like to have a nice quite cup of coffee before everybody else wakes up and starts making noise. They do my place on Monday and the next block on Tuesday. Really gets the day going good

Used to live in the city and those fuckers would come at 3AM.  They were always backing up, and had the beepers on.  Pissed me off, but I guess any other time and they would be stuck in traffic all day.


I never know when ours come as the public road is way too far away to hear anything, I suppose that's an MPP.

You get trash pickup vs. taking your load to the dump?  CITYSLICKER


There is no dump (literally, none in the county that private people can legally take trash to for any price). I pay a private service instead of dumping into the backroads watersheds like most people because I'm a dirty hippie weirdo in addition to being a city slicker.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4077 on: August 10, 2017, 01:11:27 AM »
You forget when bin day is because they're so rarely full enough to need putting out.

Yep.  Mine was today and I only "remembered" when the trucks woke me up this morning.

Our garbage company sends me a text message the evening before. And last time, when it was announced that they would collect plastic, they didn't. I had to complain. Maybe a summer temp couldn't find our street?
By the way, we share bins together with a couple of neighbours. This gives us a lower price for garbage. They are standing in front of our parking place, and we don't need to move them anywhere on bin day.
« Last Edit: August 11, 2017, 01:52:56 AM by Linda_Norway »

sw1tch

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Re: Mustachian People Problems (just for fun)
« Reply #4078 on: August 10, 2017, 07:57:57 AM »
I have one..  Since I'm pushing my FIRE date out for one more paycheck, I'm kicking myself about missing out on maximizing the company match for my 401K.  I'm already too close to the max contribution for the year that when I get that last paycheck there won't be enough left for me to contribute to get the maximum company match available to me.  I think I'm missing out on something like a $122 match.  Granted, if I wasn't planning to work the extra 2 weeks, I wouldn't be able to get a match of $64, either. 

TLDR: Total match for the last paycheck would've been ~ $186. I'm only going to get $64 due to not having any more contributions (to get matched).

Regardless, I need to let it go.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4079 on: August 10, 2017, 10:04:22 PM »
I got an unclaimed funds notice from Lending Club, because apparently 32 cents mysteriously showed up in my account at some point in the last 4 years since I sold everything and cashed out. But I moved out of state and changed my bank account etc. so I can't transfer it out without getting customer support involved.

MPP: trying to figure out how many minutes/hours is acceptable to spend trying to cash out 32 cents.

Update: I got my 32 cent check in the mail today, and I only had to fill out a form and send three e-mails. I feel a little inefficient about the whole thing - the cost of the envelope, cutting the check, the resources spent to deliver it, etc. seems pretty ludicrous. But hey! 32 cents. That should advance me a couple of minutes closer to FIRE :-P

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4080 on: August 11, 2017, 01:18:25 AM »
I got an unclaimed funds notice from Lending Club, because apparently 32 cents mysteriously showed up in my account at some point in the last 4 years since I sold everything and cashed out. But I moved out of state and changed my bank account etc. so I can't transfer it out without getting customer support involved.

MPP: trying to figure out how many minutes/hours is acceptable to spend trying to cash out 32 cents.

Update: I got my 32 cent check in the mail today, and I only had to fill out a form and send three e-mails. I feel a little inefficient about the whole thing - the cost of the envelope, cutting the check, the resources spent to deliver it, etc. seems pretty ludicrous. But hey! 32 cents. That should advance me a couple of minutes closer to FIRE :-P

ANd it was not possible to send this the easier way? Bank transfer, Paypal, Crypto, whatever?

Luckyvik

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Re: Mustachian People Problems (just for fun)
« Reply #4081 on: August 11, 2017, 04:00:42 AM »
I had to reduce my salary sacrifice into my retirement account (super) as my last payment for the last financial year didn't go into my account until 3rd of July.


Sent from my iPhone using Tapatalk

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4082 on: August 11, 2017, 08:03:12 AM »
I got an unclaimed funds notice from Lending Club, because apparently 32 cents mysteriously showed up in my account at some point in the last 4 years since I sold everything and cashed out. But I moved out of state and changed my bank account etc. so I can't transfer it out without getting customer support involved.

MPP: trying to figure out how many minutes/hours is acceptable to spend trying to cash out 32 cents.

Update: I got my 32 cent check in the mail today, and I only had to fill out a form and send three e-mails. I feel a little inefficient about the whole thing - the cost of the envelope, cutting the check, the resources spent to deliver it, etc. seems pretty ludicrous. But hey! 32 cents. That should advance me a couple of minutes closer to FIRE :-P

ANd it was not possible to send this the easier way? Bank transfer, Paypal, Crypto, whatever?

Normally they do bank transfers, but the bank account linked with my Lending Club account was closed years ago. And they don't let you add a new bank account without having the account number for the old one, which I don't have any more.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4083 on: August 13, 2017, 10:43:17 PM »
My 2% cash back rewards credit card was hacked/stolen/whatever, and I won't get the new one until Tuesday night. So for the next two days, if I buy anything that isn't in the bonus categories of my other three credit cards, I'll only get 1% cash back. *sigh*

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4084 on: August 13, 2017, 11:38:54 PM »
Reading about Americans and cashback credit cards all the time and knowing they don't exist in my country ...

Snow

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Re: Mustachian People Problems (just for fun)
« Reply #4085 on: August 14, 2017, 01:37:09 AM »
I invested what I had allowed myself to allocate until SO's tax issues gets resolved. Now I have to wait. :(

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #4086 on: August 14, 2017, 06:29:05 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #4087 on: August 14, 2017, 07:05:15 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

Install Slax (or similar) onto a USB/CD and boot to that. Instant (temporary) secure operating system.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #4088 on: August 14, 2017, 07:21:40 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

Install Slax (or similar) onto a USB/CD and boot to that. Instant (temporary) secure operating system.

Thanks for the suggestion, I'll see what my SO thinks.  Honestly, I'm a technical noob, I have no idea how to select a different boot drive, so I'd need him to set it up anyway.  I'll definitely mention it to him as a potentially quicker option, though, so thanks!

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4089 on: August 14, 2017, 08:16:10 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

Install Slax (or similar) onto a USB/CD and boot to that. Instant (temporary) secure operating system.

Thanks for the suggestion, I'll see what my SO thinks.  Honestly, I'm a technical noob, I have no idea how to select a different boot drive, so I'd need him to set it up anyway.  I'll definitely mention it to him as a potentially quicker option, though, so thanks!

Also, fixing the primary computer used for financial stuff should be a priority. If your SO doesn't want you to use it until he fixes it, then he needs to fix it ASAP.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #4090 on: August 14, 2017, 09:33:16 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

Install Slax (or similar) onto a USB/CD and boot to that. Instant (temporary) secure operating system.

Thanks for the suggestion, I'll see what my SO thinks.  Honestly, I'm a technical noob, I have no idea how to select a different boot drive, so I'd need him to set it up anyway.  I'll definitely mention it to him as a potentially quicker option, though, so thanks!

Also, fixing the primary computer used for financial stuff should be a priority. If your SO doesn't want you to use it until he fixes it, then he needs to fix it ASAP.

I mean, it's not just him not wanting me to use it.  I don't want to be putting my SSN and other details in on an unsecured device either.  But I definitely agree that sooner is better :)  I checked in with him, and he said he's going to make a temporary bootable drive with Puppy Linux, which he thinks will be easier for me to use than Slax.  It's all nonsense words to me, though, I just want my data to be safe so I'll defer to the experts.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #4091 on: August 14, 2017, 10:17:14 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

Install Slax (or similar) onto a USB/CD and boot to that. Instant (temporary) secure operating system.

Thanks for the suggestion, I'll see what my SO thinks.  Honestly, I'm a technical noob, I have no idea how to select a different boot drive, so I'd need him to set it up anyway.  I'll definitely mention it to him as a potentially quicker option, though, so thanks!

Also, fixing the primary computer used for financial stuff should be a priority. If your SO doesn't want you to use it until he fixes it, then he needs to fix it ASAP.

I mean, it's not just him not wanting me to use it.  I don't want to be putting my SSN and other details in on an unsecured device either.  But I definitely agree that sooner is better :)  I checked in with him, and he said he's going to make a temporary bootable drive with Puppy Linux, which he thinks will be easier for me to use than Slax.  It's all nonsense words to me, though, I just want my data to be safe so I'll defer to the experts.

Puppy Linux sounds like a good choice. Wikipedia says it focuses on ease of use. I haven't used Slax myself in years and I just noticed that it hasn't had a new release in over four years...

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4092 on: August 14, 2017, 10:21:07 AM »
Reading about Americans and cashback credit cards all the time and knowing they don't exist in my country ...

If it makes you feel better, the cash back credit cards don't really make up for my $7000+/yr health insurance. ;-)

Hedge_87

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Re: Mustachian People Problems (just for fun)
« Reply #4093 on: August 14, 2017, 02:29:52 PM »
Reading about Americans and cashback credit cards all the time and knowing they don't exist in my country ...

If it makes you feel better, the cash back credit cards don't really make up for my $7000+/yr health insurance. ;-)

Haha I was going to say the same thing once I got to my computer and could type but you beat me. Much rather have stable affordable health care than cash back on my purchases. I have a great employer sponsored plan... As long as I am wage slave that is.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4094 on: August 14, 2017, 06:24:12 PM »
Your IT SO doesn't have an extra computer of five laying around?

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4095 on: August 14, 2017, 07:58:52 PM »
Reading about Americans and cashback credit cards all the time and knowing they don't exist in my country ...

If it makes you feel better, the cash back credit cards don't really make up for my $7000+/yr health insurance. ;-)

I pay that much into my employer sponsored plan.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #4096 on: August 15, 2017, 05:36:42 AM »
Your IT SO doesn't have an extra computer of five laying around?

Funnily enough, he's in the middle of rebuilding his own primary machine, with a new case and some upgrades, and he's cannibalizing his old desktop for it.  So between us we have 3 non- or semi-functional computers in the house.  The good news is he brought back the linux boot drive yesterday, and it seemed to be going well when he tested it.  Hopefully I'll be able to use it today.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #4097 on: August 15, 2017, 08:42:55 AM »
I finally did the research into opening an HSA account and have the money ready to go, and my home computer decided it needs a new operating system install.  My IT SO says I shouldn't use it for anything sensitive/money related until he can reinstall and fix the security problems, and I don't want to do it on my work computer for the same reason, so now I have to wait who knows how long until we can get a new boot drive.  While that money just sits in a savings account, doing nothing :(

NOOOOO!!!  Don't do it!!!!!!!!
If your money goes into the HSA directly from your savings account, you will lose out on one of the benefits of an HSA - skipping payroll taxes on the amount that goes in.  When you tell your employer that a portion of your paycheck needs to go to the HSA as an HSA contribution and your employer codes it correctly, then that portion of your paycheck is not subjected to income tax and payroll taxes (Social Security and Medicare).  If you instead take money from your savings account and move it to the HSA, then your income taxes are adjusted on your tax return, but you LOSE the savings for payroll taxes.

Instead of moving money from savings to the HSA, get a payroll deduction form from your HSA provider and run the deductions through payroll.  Put huge amounts into the HSA for your next few pay periods while spending down that savings account, then stop the payroll deduction once the HSA is maxed or you have put whatever amount in that you planned.

If you have already made the transfer by the time you get this, you may be able to contact the HSA provider to reverse it (possibly for a fee) and then go through the contribution-via-payroll process.

La Bibliotecaria Feroz

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Re: Mustachian People Problems (just for fun)
« Reply #4098 on: August 22, 2017, 07:43:10 AM »
In some refresh or another, YNAB lost the ability to tell whether I am shopping at Trader Joe's grocery store or its wine store. And I like to track those separately. Sigh.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4099 on: August 22, 2017, 08:22:55 AM »
In some refresh or another, YNAB lost the ability to tell whether I am shopping at Trader Joe's grocery store or its wine store. And I like to track those separately. Sigh.

For a while, Mint was having trouble figuring out if I were paying a medical co-pay (Harvard Vanguard), buying a ticket to a jazz concert (Village Vanguard) or making investments (just plain Vanguard).

It does get tiresome.

 

Wow, a phone plan for fifteen bucks!