Author Topic: Mustachian People Problems (just for fun)  (Read 1599130 times)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4950 on: March 29, 2018, 05:14:29 PM »
I can't file my taxes yet because I paid my 2018 property taxes early and I still don't know if I can deduct them. I really want my refund so I can finish my Roth IRA contribution for the year.

What are you waiting for?  I paid my 2018 taxes early, but I consider them accrued because I had already received a bill.  Im not a tax professional, so I cant give advice, but thats what I did and Im not alone

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #4951 on: March 29, 2018, 11:31:14 PM »
I couldn't get a 2000 limit online either, the next option is 2500, but I talked to customer services on the phone and I could just say any number I wanted. They wouldn't tell me set income criteria for a higher limit, but they did say most people qualify for a 2000 limit. Maybe I'm just a bit paranoid because we had such a bad experience with the mortgage. And even that worked out alright in the end.

It's a joke how easy it is to access cheap loans as an 18 year old student. Banks want students as customers, because they know they're probably never going to change their bank account again. I applied for this credit card the summer before I went to university, when I changed my bank account to a student account. I instantly got a 1000 limit on my credit card and a 1000 line of credit on my bank account too. I was making 3,50 an hour delivering mail and I hadn't even received stufi for the first time yet. You could get a 1000/month student loan as well and I remember the bank telling me how easy it would be to get a personal loan to buy a laptop. I was a sensible girl even at the age of 18 and I never got in debt, but it would have been so easy. The only thing I regret now is that I was so debt averse I never took out any student loans to save them up (interest % on student loans are lower than savings accounts in here). I am definitely going to apply for student loans for my master's.

Same here! Especially with the still good savings acounts rate during the first years of studying :(. My brother is in his masters now and finally started taking out some loans which he's investing. He's only just started and plans to finish this summer so he'll probably only manage to get 5k or so for the last few months. If I think about it it's crazy how quickly it adds up though. He can go 5k in debt for just the last 6 months of his studies.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4952 on: March 30, 2018, 01:46:06 AM »
I couldn't get a 2000 limit online either, the next option is 2500, but I talked to customer services on the phone and I could just say any number I wanted. They wouldn't tell me set income criteria for a higher limit, but they did say most people qualify for a 2000 limit. Maybe I'm just a bit paranoid because we had such a bad experience with the mortgage. And even that worked out alright in the end.

It's a joke how easy it is to access cheap loans as an 18 year old student. Banks want students as customers, because they know they're probably never going to change their bank account again. I applied for this credit card the summer before I went to university, when I changed my bank account to a student account. I instantly got a 1000 limit on my credit card and a 1000 line of credit on my bank account too. I was making 3,50 an hour delivering mail and I hadn't even received stufi for the first time yet. You could get a 1000/month student loan as well and I remember the bank telling me how easy it would be to get a personal loan to buy a laptop. I was a sensible girl even at the age of 18 and I never got in debt, but it would have been so easy. The only thing I regret now is that I was so debt averse I never took out any student loans to save them up (interest % on student loans are lower than savings accounts in here). I am definitely going to apply for student loans for my master's.

Same here! Especially with the still good savings acounts rate during the first years of studying :(. My brother is in his masters now and finally started taking out some loans which he's investing. He's only just started and plans to finish this summer so he'll probably only manage to get 5k or so for the last few months. If I think about it it's crazy how quickly it adds up though. He can go 5k in debt for just the last 6 months of his studies.

Me three! (UK) I could have got 10k and probably never have had to pay it all back. However, it does give me the ethical squirms so I'm sort of glad I didn't - but on paper, the numbers are ridiculous.
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Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4953 on: March 30, 2018, 06:35:13 AM »
I couldn't get a 2000 limit online either, the next option is 2500, but I talked to customer services on the phone and I could just say any number I wanted. They wouldn't tell me set income criteria for a higher limit, but they did say most people qualify for a 2000 limit. Maybe I'm just a bit paranoid because we had such a bad experience with the mortgage. And even that worked out alright in the end.

It's a joke how easy it is to access cheap loans as an 18 year old student. Banks want students as customers, because they know they're probably never going to change their bank account again. I applied for this credit card the summer before I went to university, when I changed my bank account to a student account. I instantly got a 1000 limit on my credit card and a 1000 line of credit on my bank account too. I was making 3,50 an hour delivering mail and I hadn't even received stufi for the first time yet. You could get a 1000/month student loan as well and I remember the bank telling me how easy it would be to get a personal loan to buy a laptop. I was a sensible girl even at the age of 18 and I never got in debt, but it would have been so easy. The only thing I regret now is that I was so debt averse I never took out any student loans to save them up (interest % on student loans are lower than savings accounts in here). I am definitely going to apply for student loans for my master's.

Same here! Especially with the still good savings acounts rate during the first years of studying :(. My brother is in his masters now and finally started taking out some loans which he's investing. He's only just started and plans to finish this summer so he'll probably only manage to get 5k or so for the last few months. If I think about it it's crazy how quickly it adds up though. He can go 5k in debt for just the last 6 months of his studies.

Me three! (UK) I could have got 10k and probably never have had to pay it all back. However, it does give me the ethical squirms so I'm sort of glad I didn't - but on paper, the numbers are ridiculous.

The minimum montly payment is income-based in here and for my student loan I would have to pay back 12% of my income over 16500. You pay back over 15 years so unless your debt is really high or your income really low, you'll probably pay it back eventually. The cost is just spread out over a lot of years. I don't think my loan will be higher than 4000- 5000. I don't think there's anything morally wrong with taking advantage of existing rules, as long as your intentions are honest. And my intention is to pay it all back on the terms set by the government.

I'm kind of glad I didn't get a loan for my bachelor's as well, I would have been so anxious having such a massive debt at such a young age, even when I had all my loan money in a savings account.

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4954 on: March 30, 2018, 09:18:34 AM »
Ah, see, it's a bit different in the UK so my intentions could easily not have been honest. It's easy to end up in a situation where you get some or indeed most of your loan written off completely. I might only ever pay back a few hundred if my income remains low. Even my husband, who is always above the threshold, might end up paying back only half or so. So I could have got 10k, stuck it in VGLS100, and kept it (and the growth) forever just by never earning much more than 15k/yr (which, given my chosen career as a feckless artist, would not be hard).
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Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #4955 on: March 30, 2018, 11:15:24 AM »
MPP #1:  Got a raise at work and now have to check my 401(k) percentage contributions to be sure I won't be over-contributing based on the higher salary.  (I so, so wish we could contribute a flat dollar amount per month, which would make this so much easier every year at salary adjustment time!)

MPP #2:  I discovered an error in my tax planning spreadsheet which has been leading me to have too much deducted from my paycheck for state taxes (which will be going up due to the SALT restrictions and $24K threshold for the 1040 Schedule A standard deduction--don't get me started). 

The good news is that all of this results in more take-home pay, which can go straight into the basement finishing fund.  :)

shelivesthedream

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Re: Mustachian People Problems (just for fun)
« Reply #4956 on: March 30, 2018, 11:57:55 AM »
You find yourself striving to be debt-free in computer games too. (Rollercoaster Tycoon...)
Journal: http://forum.mrmoneymustache.com/journals/young-uk-little-money-lots-of-dreams/

Do I seem curt or like I've missed the point? Please forgive me - I've probably been typing attached to a baby.

bluebelle

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Re: Mustachian People Problems (just for fun)
« Reply #4957 on: March 30, 2018, 12:08:56 PM »
we almost always cook enough for 2 or 3 meals, and love varity, so sometimes it feels like a game of tetris to fit things in the fridge.  (don't worry, no food goes to waste, some to waist (see what I did there)).  We plan for leftovers on the busy nights.

that's the biggest MPP I've got this week.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4958 on: March 30, 2018, 04:43:03 PM »
Electrical rewire project has left the entire house coated with plaster dust. I'm too cheap to hire someone to clean, so now I get to wash ceilings, walls, floors, light fixtures, and everything in between.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4959 on: March 31, 2018, 03:37:52 AM »
we almost always cook enough for 2 or 3 meals, and love varity, so sometimes it feels like a game of tetris to fit things in the fridge.  (don't worry, no food goes to waste, some to waist (see what I did there)).  We plan for leftovers on the busy nights.

that's the biggest MPP I've got this week.

Yes! And no matter how many containers you have for food, you're always running low on empty ones...

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #4960 on: March 31, 2018, 10:09:27 AM »
Ah, see, it's a bit different in the UK so my intentions could easily not have been honest. It's easy to end up in a situation where you get some or indeed most of your loan written off completely. I might only ever pay back a few hundred if my income remains low. Even my husband, who is always above the threshold, might end up paying back only half or so. So I could have got 10k, stuck it in VGLS100, and kept it (and the growth) forever just by never earning much more than 15k/yr (which, given my chosen career as a feckless artist, would not be hard).
Back in the 80s when I was at a college, the people with money to pay for their kids college, were getting the low interest subsidized loans at 5% or 6% and buying CDs at 12% with the loan money.
 Never seemed quite right to me.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #4961 on: March 31, 2018, 10:25:39 AM »
MPP: spellcheck inserts FIREing when I meant firing -involuntary job termination.

nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #4962 on: March 31, 2018, 04:31:22 PM »
My MPP:  We just got a windfall from selling an investment property.  I want to do something to "celebrate" but don't want to spend even a small fraction of the money doing it.  I did open a bottle of Two Buck Chuck, though.

Also, we can't really tell anyone IRL about it.  That's a pretty common MPP here.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4963 on: April 01, 2018, 09:07:27 AM »
My MPP:  We just got a windfall from selling an investment property.  I want to do something to "celebrate" but don't want to spend even a small fraction of the money doing it.  I did open a bottle of Two Buck Chuck, though.

Also, we can't really tell anyone IRL about it.  That's a pretty common MPP here.

Yeah, it's hard not telling people about your successes.

Two Buck Chuck went up to over $3 here several years ago.

Substituted the Pacific Peak from Total Wine @ $2. And it's a shorter drive.

Price for PP has gone up to $2.74 now (and they started hiding it in the store) but it still is the best value wine I can find. I just stop at customer service and ask them to pull a case for me (10% discount, natch) periodically.
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nouveauRiche

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Re: Mustachian People Problems (just for fun)
« Reply #4964 on: April 01, 2018, 10:16:33 AM »
I know.  "Three Buck Chuck" is more accurate here, too.  I just like the original name.

Will check out PP when I get a chance.  Hilarious that they're hiding it!

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4965 on: April 01, 2018, 12:30:56 PM »
I know.  "Three Buck Chuck" is more accurate here, too.  I just like the original name.

Will check out PP when I get a chance.  Hilarious that they're hiding it!

Yeah, it's in cases up on top of an 8 foot display unit. Have to get an employee with the rolling ladder...

We only get the Merlot, btw.
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LateStarter

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Re: Mustachian People Problems (just for fun)
« Reply #4966 on: April 01, 2018, 12:39:56 PM »
I have a similar issue with the energy companies. Apparently my "standard usage" is way higher than what I actually use, resulting in me getting back multple hundreds of euros once a year. Every year I try to get them to lower the prepayment and every year they urge me to go for a higher one so that I'm "safe". Apparently it doesn't matter I have been "safe" for year after year.

Yep - mine is inching down every time they do a six month review but they're not keen to take it down more than a couple of quid each time. I've just switched companies, though, so may have to start all over again...
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OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #4967 on: April 01, 2018, 01:12:35 PM »
we almost always cook enough for 2 or 3 meals, and love varity, so sometimes it feels like a game of tetris to fit things in the fridge.  (don't worry, no food goes to waste, some to waist (see what I did there)).  We plan for leftovers on the busy nights.

that's the biggest MPP I've got this week.

Yes! And no matter how many containers you have for food, you're always running low on empty ones...

This. All of this. Not to mention freezer Tetris, like when you buy two huge pork shoulder roasts because theres a ridiculous sale, but youd already bought a couple of whole chickens and a bunch of stew beef on sale earlier that week, a multi-pack of bacon at Costco, and the frozen veggies you like for soup were $1/bag so you stocked up...

living small

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Re: Mustachian People Problems (just for fun)
« Reply #4968 on: April 01, 2018, 03:47:07 PM »
I was at a professional conference in the vendor area to see what was new. There are multiple companies that offer student loan consolidation.  They try to "sales pitch" you as you walk by and at least three different student loan consolidation company employees looked like their heads would explode when I said I didn't have any student loans.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4969 on: April 02, 2018, 09:54:10 AM »
We are currently driving home on a 5 hour trip. Some of the petrol stations have an add for icecreams for half price. But the 2 stations we tried were sold out for that brand of ice cream. Although the sun is shining bright, I'll be damned to pay full price for an icecream.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4970 on: April 02, 2018, 10:24:44 AM »
We are currently driving home on a 5 hour trip. Some of the petrol stations have an add for icecreams for half price. But the 2 stations we tried were sold out for that brand of ice cream. Although the sun is shining bright, I'll be damned to pay full price for an icecream.

Here in my socialist country it may well be illegal to have an ad for something they don't have. Because the leftists extremist think - what an unimaginable thing!! - that companies may try to "upsell" you in exactly that way and the "sold out" is actually no accident.


FreshPrincess

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Re: Mustachian People Problems (just for fun)
« Reply #4971 on: April 02, 2018, 02:05:42 PM »
I just had to go in and adjust my 401k contributions way down because my January and February bonuses were so big I was going to max out too early and my employer matches per pay period.

honeybbq

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Re: Mustachian People Problems (just for fun)
« Reply #4972 on: April 02, 2018, 02:23:03 PM »
My MPP is that my dad's been hospitalized for the past week.  And I've been eating in the cafeteria, driving around a lot, and not been price conscious.  I know in my head that it's OK, that's what an emergency fund is for, and this is one.  But my inner mustachian is freaking out -
"we're out of gas, again?"
"that salad is less than a dollar to make"
"$20 for sweatpants?!?"

I'm doing the best I can, I don't have the mindshare or time to do better, so I just wish I could turn the cheap voice off for a week or two.  Worst case I spend $500-$1k stupidly, no big deal in the grand scheme.

It's the stuff we do everyday, not the stuff that's happening this week.

We had a health crisis in our household last year... I spent a lot of money on things I normally wouldn't -- a Vitamix (see vitamix thread lol), Instant Cart Costco delivery ($$  + markup on the goods), pizza delivery, you name it.  I was just trying to keep my head above water and luckily I had the finances to do so.

I hope your Dad gets well soon!

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #4973 on: April 02, 2018, 04:50:40 PM »
Ah, see, it's a bit different in the UK so my intentions could easily not have been honest. It's easy to end up in a situation where you get some or indeed most of your loan written off completely. I might only ever pay back a few hundred if my income remains low. Even my husband, who is always above the threshold, might end up paying back only half or so. So I could have got 10k, stuck it in VGLS100, and kept it (and the growth) forever just by never earning much more than 15k/yr (which, given my chosen career as a feckless artist, would not be hard).
Back in the 80s when I was at a college, the people with money to pay for their kids college, were getting the low interest subsidized loans at 5% or 6% and buying CDs at 12% with the loan money.
 Never seemed quite right to me.
In the early 2000s I took out subsidized loans, no interest until 6 months after graduation, which I deferred for an additional 2 years by working on Master's degree (on scholarships, grants, natch!). The loans went into CD ladders at some 5 or 6%. My dad freaked out one day when he saw my binder with CD certificates with over $50k. The loans were only $10k. The rest was from credit cards app-o-rama where you could write yourself a balance transfer check at 0%, zero fees, for 12 months. At one point I had almost a $100k sitting in the bank earning 6%. Luckily I was risk averse and didn't put it in the stock market or funds; I would have shit bricks if I lost even a penny in the dot crash.
Arbitrage, once I partook in the scheme, seemed quite right to me, participating in the 'Murican credit game.
« Last Edit: April 02, 2018, 07:53:33 PM by jinga nation »
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Step37

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Re: Mustachian People Problems (just for fun)
« Reply #4974 on: April 02, 2018, 07:18:45 PM »
I just had to go in and adjust my 401k contributions way down because my January and February bonuses were so big I was going to max out too early and my employer matches per pay period.

LOL! poor you;)

Congrats on the bonuses.
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Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4975 on: April 03, 2018, 01:20:14 AM »
We are currently driving home on a 5 hour trip. Some of the petrol stations have an add for icecreams for half price. But the 2 stations we tried were sold out for that brand of ice cream. Although the sun is shining bright, I'll be damned to pay full price for an icecream.

Here in my socialist country it may well be illegal to have an ad for something they don't have. Because the leftists extremist think - what an unimaginable thing!! - that companies may try to "upsell" you in exactly that way and the "sold out" is actually no accident.

I agree. They should have removed the add. We also have laws against false marketing.

FreshPrincess

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Re: Mustachian People Problems (just for fun)
« Reply #4976 on: April 03, 2018, 04:44:52 AM »
I just had to go in and adjust my 401k contributions way down because my January and February bonuses were so big I was going to max out too early and my employer matches per pay period.

LOL! poor you;)

Congrats on the bonuses.

I know... cry me a river, right?  And thank you :) This is also a total #firstworldproblem and I got some lucky sales.  Just hope I adjusted it correctly...

marielle

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Re: Mustachian People Problems (just for fun)
« Reply #4977 on: April 03, 2018, 10:49:00 AM »
A coworker came to me today to ask about the new HSA plan.

Which is fine.

The MPP is that our HR person sent her to me because apparently I would be able to explain it better/know more about it!?

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4978 on: April 03, 2018, 10:55:36 AM »
The MPP is that our HR person sent her to me because apparently I would be able to explain it better/know more about it!?

LOL. I have the same problem. There's an HR department, but people come to me with all their questions about benefits, payroll, etc.
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4979 on: April 03, 2018, 11:10:17 AM »
We too have a human retard department.  I think anyone that is too incompetent to do a real job gets "promoted" to HR.

[MOD NOTE:  come on now, let's have a little class, please]
« Last Edit: April 03, 2018, 11:20:01 AM by FrugalToque »

jinga nation

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Re: Mustachian People Problems (just for fun)
« Reply #4980 on: April 03, 2018, 12:05:19 PM »
We too have a human retard department.  I think anyone that is too incompetent to do a real job gets "promoted" to HR.

[MOD NOTE:  come on now, let's have a little class, please]

The problem, everywhere I've worked, is that HR is almost always all-female, and is either young recent graduates or grandmas.

The young ones, probably in their first full-time corporate job, are too nice to everyone, saying yes all the time, and don't go back, research the question to understand the issue, and provide answers, completing the loop. The wishy-washy answering is annoying to accountants and engineers, who prefer short, concise answers, in the form of YES/NO because (short explanation).

The older ones, nearing retirement or in early-onset dotage, don't give a fuck about anyone younger than them, are surly in the "Get Off My Lawn" manner, and haven't kept up with rules and regulation changes. Many of them just sit on FB/Craigslist/Whatchamacallit most of the day, only answer to their boss or levels above.

Anyone competent in HR, who has develops a skill on the job, such as setting up some HR application or database, or understands some arcane rules, ends up leaving to be a consultant.

End-result: The perception persists that HR is full of young dumb bimbos and surly old grannies. It isn't fair to generalize, and isn't fair to the good ones, but it truly is the case that one HR rep's fuckup gives 'em all a bad name.

And if you're a male, you're stigmatized with the notion of "he was so dumb in college or a jock who couldn't hack business/accounting/engineering/etc school."
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Re: Mustachian People Problems (just for fun)
« Reply #4981 on: April 03, 2018, 12:51:47 PM »
I'm on the road for work and the client decided they don't need me to work 7/10's on nights... so I'm stuck with just working 5/10's on days. Missed out on 20 hours of OT for a couple weeks that I might have been able to snag :(

(When I'm home I like to work 40's, but on the road, I'd rather work more than less)
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4982 on: April 03, 2018, 12:52:04 PM »
We too have a human retard department.  I think anyone that is too incompetent to do a real job gets "promoted" to HR.

[MOD NOTE:  come on now, let's have a little class, please]


I can't speak for every company, but I stand by my statement about my current employer. 

Ynari

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Re: Mustachian People Problems (just for fun)
« Reply #4983 on: April 03, 2018, 01:24:26 PM »
We too have a human retard department.  I think anyone that is too incompetent to do a real job gets "promoted" to HR.

[MOD NOTE:  come on now, let's have a little class, please]


I can't speak for every company, but I stand by my statement about my current employer.

For context, this is less about your unqualified coworkers and more about how the r-word is offensive, even when used in a context not referencing someone with an intellectual disability. "Spread the word to end the word" is a campaign against the use of this dehumanizing and derogatory word. https://www.r-word.org/  A lot of people aren't aware of the baggage surrounding it, so feel free to browse around that site if you're curious about why there's a campaign around it.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #4984 on: April 03, 2018, 10:18:53 PM »
We too have a human retard department.  I think anyone that is too incompetent to do a real job gets "promoted" to HR.

[MOD NOTE:  come on now, let's have a little class, please]


I can't speak for every company, but I stand by my statement about my current employer.
For context, this is less about your unqualified coworkers and more about how the r-word is offensive, even when used in a context not referencing someone with an intellectual disability. "Spread the word to end the word" is a campaign against the use of this dehumanizing and derogatory word. https://www.r-word.org/  A lot of people aren't aware of the baggage surrounding it, so feel free to browse around that site if you're curious about why there's a campaign around it.

Don't worry scro'! There are plenty of ' tards out there living really kick ass lives. My first wife was 'tarded. She's a pilot now.


[MOD NOTE: This isn't just about the use of the word "retarded", which you probably shouldn't use in relation to your spouse (???).  This is also about referring to an entire profession as "retarded".  I didn't let it slide when someone started a fight by referring to all people with a certain major as "burdens on society" and I don't see why it should stand here.]

« Last Edit: April 04, 2018, 06:58:04 AM by FrugalToque »

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #4985 on: April 04, 2018, 05:20:25 AM »
Getting back to the actual topic, stocks are on sale, but I don't have any more money to put in as my taxes were higher than anticipated :(.

Also,  my company is going through giant changes.  We are now starting to make plans for the future.  Along with this the people development is changing.  I need to make slides about my development over the next 5 years... I plan on being retired before then....  I can't put that on my slide, it would be, uh, gauche ;).

LV

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4986 on: April 04, 2018, 07:16:41 AM »
My MPP is that my dad's been hospitalized for the past week.  And I've been eating in the cafeteria, driving around a lot, and not been price conscious.  I know in my head that it's OK, that's what an emergency fund is for, and this is one.  But my inner mustachian is freaking out -
"we're out of gas, again?"
"that salad is less than a dollar to make"
"$20 for sweatpants?!?"


Yeah @Dictionary Time -- we get the day off from mustachianism when things like that happen.  No guilt allowed.  Hope your dad is doing ok.
If it helps, remind yourself that a less mustachian person would be blowing through a lot more money. You are making the best choices from the options that are available to you. You deserve an extra measure of grace right now and, 《HUGS》
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CptCool

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Re: Mustachian People Problems (just for fun)
« Reply #4987 on: April 04, 2018, 09:01:23 AM »
Don't worry scro'! There are plenty of ' tards out there living really kick ass lives. My first wife was 'tarded. She's a pilot now.


[MOD NOTE: This isn't just about the use of the word "retarded", which you probably shouldn't use in relation to your spouse (???).  This is also about referring to an entire profession as "retarded".  I didn't let it slide when someone started a fight by referring to all people with a certain major as "burdens on society" and I don't see why it should stand here.]


Go away! Batin'!

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4988 on: April 04, 2018, 05:18:36 PM »
Our company (well, one unit of the company) got acquired on short notice and my co-workers and I got laid off abruptly and then rehired by the new owner 10 days later... so I saw one co-worker for the first time since the lay-offs today. I know him fairly well (well enough to know he never looks at anything corporate-jargony-looking) so I mentioned to him that if he wanted to roll over the 401(k), the paperwork was in the packet they sent us in the mail. He said "We had a 401(k)?" Well... I tried...

Meanwhile, I've already got my rollover check and my Mustachian impulses are butting heads - do I send it to Vanguard as cheaply as possible, or do I pay for a Fedex or Priority Mail or something to minimize time out of the market?
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Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4989 on: April 04, 2018, 06:20:21 PM »
Our company (well, one unit of the company) got acquired on short notice and my co-workers and I got laid off abruptly and then rehired by the new owner 10 days later... so I saw one co-worker for the first time since the lay-offs today. I know him fairly well (well enough to know he never looks at anything corporate-jargony-looking) so I mentioned to him that if he wanted to roll over the 401(k), the paperwork was in the packet they sent us in the mail. He said "We had a 401(k)?" Well... I tried...

Meanwhile, I've already got my rollover check and my Mustachian impulses are butting heads - do I send it to Vanguard as cheaply as possible, or do I pay for a Fedex or Priority Mail or something to minimize time out of the market?

Don't do it as cheaply as possible. At a minimum, tracking number. Don't want to lose that check in the mail!

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4990 on: April 04, 2018, 06:24:31 PM »
Our company (well, one unit of the company) got acquired on short notice and my co-workers and I got laid off abruptly and then rehired by the new owner 10 days later... so I saw one co-worker for the first time since the lay-offs today. I know him fairly well (well enough to know he never looks at anything corporate-jargony-looking) so I mentioned to him that if he wanted to roll over the 401(k), the paperwork was in the packet they sent us in the mail. He said "We had a 401(k)?" Well... I tried...

Meanwhile, I've already got my rollover check and my Mustachian impulses are butting heads - do I send it to Vanguard as cheaply as possible, or do I pay for a Fedex or Priority Mail or something to minimize time out of the market?

Don't do it as cheaply as possible. At a minimum, tracking number. Don't want to lose that check in the mail!

They sent it to me in a regular windowed envelope, regular mail... for which I was charged a $50 withdrawal fee. Ugh. I'm tempted to just drop it in the mail because then I don't have to wait at the post office. The next two days I'm not sure I'll have time to go wait in line to mail something.
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4991 on: April 04, 2018, 09:23:28 PM »
Our company (well, one unit of the company) got acquired on short notice and my co-workers and I got laid off abruptly and then rehired by the new owner 10 days later... so I saw one co-worker for the first time since the lay-offs today. I know him fairly well (well enough to know he never looks at anything corporate-jargony-looking) so I mentioned to him that if he wanted to roll over the 401(k), the paperwork was in the packet they sent us in the mail. He said "We had a 401(k)?" Well... I tried...

Meanwhile, I've already got my rollover check and my Mustachian impulses are butting heads - do I send it to Vanguard as cheaply as possible, or do I pay for a Fedex or Priority Mail or something to minimize time out of the market?

Don't do it as cheaply as possible. At a minimum, tracking number. Don't want to lose that check in the mail!

They sent it to me in a regular windowed envelope, regular mail... for which I was charged a $50 withdrawal fee. Ugh. I'm tempted to just drop it in the mail because then I don't have to wait at the post office. The next two days I'm not sure I'll have time to go wait in line to mail something.

Why did they send you a check at all?  I was instructed to have it sent directly to the next institution without acting as a middle man so there is no possibility it gets counted as a distribution.  I also thought there was a time frame from the closing of the initial account that the money had to be in the new account, otherwise it will count as a distribution.  I would get it into vanguard asap.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4992 on: April 04, 2018, 09:35:58 PM »
Why did they send you a check at all?  I was instructed to have it sent directly to the next institution without acting as a middle man so there is no possibility it gets counted as a distribution.  I also thought there was a time frame from the closing of the initial account that the money had to be in the new account, otherwise it will count as a distribution.  I would get it into vanguard asap.

No idea, but I've done two rollovers with different companies, and both times they sent me the check even though I sent them the letter that Vanguard gives you with instructions to mail the check directly to them. I even manually highlighted that part of the letter. The check is made out to Vanguard FBO (for benefit of) [Dollar Slice], though, so I'm not too worried about counting it as a distribution.
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frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4993 on: April 04, 2018, 10:01:27 PM »
Why did they send you a check at all?  I was instructed to have it sent directly to the next institution without acting as a middle man so there is no possibility it gets counted as a distribution.  I also thought there was a time frame from the closing of the initial account that the money had to be in the new account, otherwise it will count as a distribution.  I would get it into vanguard asap.

No idea, but I've done two rollovers with different companies, and both times they sent me the check even though I sent them the letter that Vanguard gives you with instructions to mail the check directly to them. I even manually highlighted that part of the letter. The check is made out to Vanguard FBO (for benefit of) [Dollar Slice], though, so I'm not too worried about counting it as a distribution.

I think you have 60 days to get it into the new account, otherwise it will count as a distribution.  Should be plenty of time, but I would have anxiety until I got it into my IRA successfully.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #4994 on: April 05, 2018, 12:55:03 AM »
Conversation with my non-financially-minded DH today

Me: Well, we have six groups of friends coming to stay with us at our cottage this summer.
DH: Dont your friends have their own cottages?
Me: No, I dont think so. They sounded pretty excited when I asked if they wanted to come visit us.
DH: But why? Theyve been working so much longer than us. Why cant they afford a $200k cottage? Its not that much money.
Me: You have to realize you married into a financially savvy family. $200k is a lot of money to some people.
DH: Yeah, but they have good jobs. (My friends all make over 6 figures)
Me: Yeah, but they also have nice houses and nice cars and nice vacations.
DH: Fine then. Well, next year I want to invite all my friends to the cottage. Otherwise its not fair.

TLDR: Getting into financial fights with DH because we have too much  and we are still figuring out a way to fairly let our friends share our bounty.

BDWW

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Re: Mustachian People Problems (just for fun)
« Reply #4995 on: April 05, 2018, 01:17:24 PM »
Paid $7 dollars on envelopes postage to mail amended tax returns in, because the budget act reauthorized some expired deductions after I had already filed. Felt weird to be physically mailing them because I've filed electronically for a decade or so.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4996 on: April 05, 2018, 01:30:19 PM »
Why did they send you a check at all?  I was instructed to have it sent directly to the next institution without acting as a middle man so there is no possibility it gets counted as a distribution.  I also thought there was a time frame from the closing of the initial account that the money had to be in the new account, otherwise it will count as a distribution.  I would get it into vanguard asap.

No idea, but I've done two rollovers with different companies, and both times they sent me the check even though I sent them the letter that Vanguard gives you with instructions to mail the check directly to them. I even manually highlighted that part of the letter. The check is made out to Vanguard FBO (for benefit of) [Dollar Slice], though, so I'm not too worried about counting it as a distribution.

I think you have 60 days to get it into the new account, otherwise it will count as a distribution.  Should be plenty of time, but I would have anxiety until I got it into my IRA successfully.

I ended up sending it priority mail and certified. (Decided on largely because there was a huge line and I couldn't find a Priority Mail Express envelope...)  $15 postage on top of the $50 withdrawal fees to mail a damn check. But it will save me money in the long run since they charged quarterly fees.
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gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4997 on: April 06, 2018, 03:08:00 PM »
The oldest daughter (11) is leaving tomorrow for a 9 day travel to a youth camp across the world. She has packed her national costume, traditional food from our country, and more than enough clothes. Still, there is plenty of room in her little carry on suitcase. I'm getting increasingly nervous, considering how much people normally pack for these types of journeys. Have we misunderstood something? Is there anything imporant she should pack that we are missing? Or do "normal" people for some reason carry a lot of unnecessary junk?
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LeRainDrop

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Re: Mustachian People Problems (just for fun)
« Reply #4998 on: April 06, 2018, 03:46:59 PM »
The oldest daughter (11) is leaving tomorrow for a 9 day travel to a youth camp across the world. She has packed her national costume, traditional food from our country, and more than enough clothes. Still, there is plenty of room in her little carry on suitcase. I'm getting increasingly nervous, considering how much people normally pack for these types of journeys. Have we misunderstood something? Is there anything imporant she should pack that we are missing? Or do "normal" people for some reason carry a lot of unnecessary junk?

Haha, you've probably hit the mark!  People think I'm crazy when I bring one carry-on-size suitcase/duffel bag and one large purse bag for my trips to foreign countries lasting 4-6 weeks.  I feel like I'm probably bringing a little more than I even need, yet people are like, "Is THAT all you packed???"  Take heart that when she gets there, she won't be one of the kids struggling to lug around a bunch of unnecessary luggage.  Like the time I was in Italy with a friend who brought a full-size suitcase, and this one town kept switching which platform our train would be on.  She had to haul that suitcase up and down a bunch of stairs at least 5 or 6 times!

jlcnuke

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Re: Mustachian People Problems (just for fun)
« Reply #4999 on: April 06, 2018, 03:49:37 PM »
The oldest daughter (11) is leaving tomorrow for a 9 day travel to a youth camp across the world. She has packed her national costume, traditional food from our country, and more than enough clothes. Still, there is plenty of room in her little carry on suitcase. I'm getting increasingly nervous, considering how much people normally pack for these types of journeys. Have we misunderstood something? Is there anything imporant she should pack that we are missing? Or do "normal" people for some reason carry a lot of unnecessary junk?
Passport, hygeine supplies (toothpaste etc etc), maybe a camera?

Honestly, most people grossly over pack though. They'll bring 4 pairs of shoes and 3 outfits per day and their entire bathroom plus half the electronics they own. If common sense says everything needed is packed, it probably is.

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