Author Topic: Mustachian People Problems (just for fun)  (Read 3156788 times)

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #7300 on: March 03, 2020, 04:18:48 PM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

Could also be driving style.  I drive like an old man and my brakes and tires last longer than my 19DS's brakes and tires.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #7301 on: March 03, 2020, 09:09:27 PM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

Quality of the tire has very little to do with how many miles they are rated to last. Quality Tires are designed for all sorts of different applications. High mileage being only one possible application.  Typically there is a trade off between grip and tread wear. A tire rated for high mileage likely has less grip and will take a longer distance to bring the vehicle to a stop.

Tires maximum age is somewhere around 10 years. Manufacturers suggest after  5 years you inspect the rubber for age related problems every year. They're likely going to be bad prior to 10 years depending on climate, etc. If you don't drive a lot of miles it's likely that a tire with a low replacement mileage rating is a better tire for you as it will likely be safer and if you don't drive a lot you are unlikely to go through the tread before the tire is bad due to age.

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Re: Mustachian People Problems (just for fun)
« Reply #7302 on: March 04, 2020, 12:27:24 AM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

Quality of the tire has very little to do with how many miles they are rated to last. Quality Tires are designed for all sorts of different applications. High mileage being only one possible application.  Typically there is a trade off between grip and tread wear. A tire rated for high mileage likely has less grip and will take a longer distance to bring the vehicle to a stop.

Tires maximum age is somewhere around 10 years. Manufacturers suggest after  5 years you inspect the rubber for age related problems every year. They're likely going to be bad prior to 10 years depending on climate, etc. If you don't drive a lot of miles it's likely that a tire with a low replacement mileage rating is a better tire for you as it will likely be safer and if you don't drive a lot you are unlikely to go through the tread before the tire is bad due to age.


Well reasoned, although cheap tires will probably not have grip not mileage.  Within a given standard of safety, thereís probably a slightly more expensive version that also will last longer

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Re: Mustachian People Problems (just for fun)
« Reply #7303 on: March 04, 2020, 01:38:14 PM »
I don't draw a paycheck, but yesterday I worked the polls from 6am to 10pm and tonight it looks like I am in for a useless meeting with a bunch of men with grand ideas and no follow through. Every single one of them thinks XYZ should be done and probably want to know why I haven't done it, despite the fact that I have already spent over a year telling them what is wrong with their vision and none of them has offered a single solution that hasn't already been tried.

ditheca

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Re: Mustachian People Problems (just for fun)
« Reply #7304 on: March 05, 2020, 02:38:59 PM »
I don't owe enough money! :(

Mortgage rates are at record lows, but I can't save any money by refinancing because I have a small mustachian house.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #7305 on: March 05, 2020, 05:15:21 PM »
I don't owe enough money! :(

Mortgage rates are at record lows, but I can't save any money by refinancing because I have a small mustachian house.

Cashout refi, put it in the market :D

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7306 on: March 06, 2020, 04:58:08 AM »
I don't owe enough money! :(

Mortgage rates are at record lows, but I can't save any money by refinancing because I have a small mustachian house.

Cashout refi, put it in the market :D

200% LTV

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #7307 on: March 06, 2020, 09:45:57 PM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

Quality of the tire has very little to do with how many miles they are rated to last. Quality Tires are designed for all sorts of different applications. High mileage being only one possible application.  Typically there is a trade off between grip and tread wear. A tire rated for high mileage likely has less grip and will take a longer distance to bring the vehicle to a stop.

Tires maximum age is somewhere around 10 years. Manufacturers suggest after  5 years you inspect the rubber for age related problems every year. They're likely going to be bad prior to 10 years depending on climate, etc. If you don't drive a lot of miles it's likely that a tire with a low replacement mileage rating is a better tire for you as it will likely be safer and if you don't drive a lot you are unlikely to go through the tread before the tire is bad due to age.


Well reasoned, although cheap tires will probably not have grip not mileage.  Within a given standard of safety, thereís probably a slightly more expensive version that also will last longer
Indeed. And I'm sure rwd knows more about tires than I do. Just wanted to make sure others in the thread  who are less car oriented realized there are multiple things to look at

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7308 on: March 07, 2020, 09:16:37 AM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

American GenX

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Re: Mustachian People Problems (just for fun)
« Reply #7309 on: March 07, 2020, 11:55:53 AM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

I have a similar low mileage yet aging vehicle and have wondered about that as well.  I see 10 years as a recommendation for tire replacement regardless of wear and I would think probably earlier if you don't garage it.  There is a Department of Transportation date code stamped into the side wall that can tell you the age of tires if there is any question of when they were manufactured.

I thought mine looked pretty cracked at 8 years.  I am parked outside at work and home both.  I researched into it some back then, and determined it was best to go ahead and replace.  And now it's getting close to 6 years on this set.  Car still has very low mileage.

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Re: Mustachian People Problems (just for fun)
« Reply #7310 on: March 07, 2020, 01:31:44 PM »
I used to buy Michelin tires, but I never got the mileage they were rated for. I drive
easy, like 65 year old man aware of where lights and stops are and coast to them.
People hate it, they want to hurry up and stop.
  After a tire problem with a tire still under some warranty, Michelin said they would not cover it because the tire was rubber checked. Well, if it rubber checks while still under warranty, that seems like their problem, not mine. And yes this was a garaged car. I had a conversation with a tire salesman about Michelin tires and fast wear,
 he said, "ya, they have fixed that now!"  I don't know.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #7311 on: March 08, 2020, 09:25:44 AM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

For time 5-6 years is the normal limit. If your car is rarely parked in the sun and stored in a garage then longer may be fine. In addition to reduced performance you need to worry about sudden tread delamination as tires age.

For tread the wear bars are the legal limit. At that point your wet road performance is already significantly reduced. Risk of hydroplaning goes up a lot after after about double the wear bar depth. Depending on how much rainy day driving you do replacing between 2 mm and 3 mm of depth would be advised.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #7312 on: March 08, 2020, 10:05:38 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #7313 on: March 08, 2020, 11:18:58 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

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Re: Mustachian People Problems (just for fun)
« Reply #7314 on: March 08, 2020, 11:47:22 AM »
Ha true, I didn't think of it that way, but slow rising dough is completely an MPP, and happens all the time to me. We keep that thermostat turned down!

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #7315 on: March 08, 2020, 11:57:14 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

Try to find the warmest ambient place in your home. Maybe on top of the refrigerator? 

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #7316 on: March 08, 2020, 12:11:09 PM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

That's super annoying.  It's the right answer, but I hate being forced to "admit" something that's not true, implicitly, but allowing the fee to stand.

My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.

Try to find the warmest ambient place in your home. Maybe on top of the refrigerator?

Probably in the bed with us, next time!  That oughta do it!

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #7317 on: March 08, 2020, 01:56:16 PM »
MMP: Feeling left out...

Between half a freezer of food we harvested last summer, a pantry full partially used bulk purchases, and an accidental double purchase of Costco TP months ago I can't think of a single thing to run out and panic buy! I tried buying stocks, but everyone else was selling so I missed the herd on that too.


Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7318 on: March 08, 2020, 08:37:10 PM »
My related MPP is that my car is six years old and has 58k miles on it. The tires need to be replaced,, but how long do I wait? I do know the standard tread wear indicators, but I don't really want to wait that long. I like having tires with plenty of tread, but does that make me unmustachian :p

For time 5-6 years is the normal limit. If your car is rarely parked in the sun and stored in a garage then longer may be fine. In addition to reduced performance you need to worry about sudden tread delamination as tires age.

For tread the wear bars are the legal limit. At that point your wet road performance is already significantly reduced. Risk of hydroplaning goes up a lot after after about double the wear bar depth. Depending on how much rainy day driving you do replacing between 2 mm and 3 mm of depth would be advised.
Ha! It rained exactly zero days in the month of February. That's my MPP. I know the markers, I just don't want to wait for them.

moof

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Re: Mustachian People Problems (just for fun)
« Reply #7319 on: March 08, 2020, 08:51:31 PM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

ysette9

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Re: Mustachian People Problems (just for fun)
« Reply #7320 on: March 08, 2020, 09:21:25 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #7321 on: March 08, 2020, 09:24:52 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands
Mine does that too, be a use DH uses synthetic oil. The car can be easily reprogrammed to make this nanny-car warning stop. Check the manual, or just keep ignoring it, lol.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7322 on: March 08, 2020, 11:11:53 PM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

This will be YMMV.  I did that once and discovered my oven uses the broiler coil during preheating and burned the tops of my croissants.  Even with a different design the coils will be putting out high radiant heat compared to regular oven operation

TJ also has no-proof croissants that you can bake straight from frozen.  I donít know how they are different and they still suggest letting it sit out for half an hour before baking.  They are also cheaper so... maybe just drizzle chocolate on top?

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home

« Last Edit: March 08, 2020, 11:19:15 PM by dragoncar »

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7323 on: March 08, 2020, 11:17:27 PM »
Come to think of it, my MPP is that my car keeps insisting it needs an oil change based on how long it has been since the last one. But since I bike almost everywhere now it isnít anywhere near the mileage for the next oil change. So I ignore its demands
Mine does that too, be a use DH uses synthetic oil. The car can be easily reprogrammed to make this nanny-car warning stop. Check the manual, or just keep ignoring it, lol.

I have been known to go too long between oil changes based on time not mileage but there are reasons to change it before you hit the miles.  Those oil computers do take into account short trips and engine temperature to try to estimate if you are risking by excessive moisture in your oil (nice long trips boil off all built up moisture).  If you change your own oil itís cheap enough that I would prefer to do it slightly more often rather than risk engine damage over time.  That said I donít have a fancy oil computer and usually end up forgetting until the idiot lamp comes on and I realize itís been 2 years since my last change.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #7324 on: March 09, 2020, 04:52:31 AM »
<snip>
My MPP is that we were making Trader Joe's chocolate croissants for special Sunday breakfast today. They are honestly the best - so much better than a bakery because you can eat them hot right out of the oven (which is the *only* way to eat them that's worth the calories and sugar!) and they only cost like $1.25 each instead of $3 or 4 at a bakery.  BUT, they have to be left out to proof overnight and since we don't leave the heater on overnight and it's freezing in the morning, the croissants barely puffed up at all.  They were still tasty, and absolutely still better than bakery ones that had been sitting in a case for an hour or 5 already.  But, not nearly as good as when they really balloon up overnight in warmer months.  I guess chocolate croissants are mostly a summer thing now, especially in the place we are renting now, which has poorer insulation than our previous home.
I have somewhat better luck in this situation by putting the tray into the oven before turning it on.  They tend to puff up somewhat extra while the oven in pre-heating.

This will be YMMV.  I did that once and discovered my oven uses the broiler coil during preheating and burned the tops of my croissants.  Even with a different design the coils will be putting out high radiant heat compared to regular oven operation

TJ also has no-proof croissants that you can bake straight from frozen.  I donít know how they are different and they still suggest letting it sit out for half an hour before baking.  They are also cheaper so... maybe just drizzle chocolate on top?

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #7325 on: March 09, 2020, 05:13:19 AM »

But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.

Duh... I was almost there wasnít I?  But I just couldnít make the final leap and ya boomed me

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #7326 on: March 09, 2020, 08:50:35 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

I just paid IL their scam blood money.  I did attempt a quick phone call first to try to get them to waive it.  The guy on the phone was very nice, but said he was not able to waive it, and furthermore was very candid in saying "This is an unfortunate situation. You could fill out IL-2210 to show your income spread out throughout the year, but it isn't worth the effort for $25."
« Last Edit: March 09, 2020, 09:01:02 AM by rantk81 »

techwiz

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Re: Mustachian People Problems (just for fun)
« Reply #7327 on: March 09, 2020, 09:21:46 AM »
Investments always cause me tax-related MPPs.

Looks like my state of residence is trying to assess me a penalty of $24.80, because my quarterly estimated payments to the state were not evenly distributed throughout the year.  I made larger quarterly payments in the 3rd and 4th quarters than in the 1st and 2nd quarters -- because I shifted some investments around in the later half of the year, which caused some realized/taxable investment gains.

Technically, there are some really complicated forms I could fill out, in order to prove that my income was "lumpy" throughout the year, and I could prove that I made the appropriate estimated payments per each quarter.  However, my MPP is, I'm going to give Illinois the $24.80 that it thinks I owe, because that's easier than fucking around with a whole bunch of complicated and annoying tax forms.

I just paid IL their scam blood money.  I did attempt a quick phone call first to try to get them to waive it.  The guy on the phone was very nice, but said he was not able to waive it, and furthermore was very candid in saying "This is an unfortunate situation. You could fill out IL-2210 to show your income spread out throughout the year, but it isn't worth the effort for $25."

I think there is a reason they picked the value of the penalty to be low enough that most would not fight it.

merula

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Re: Mustachian People Problems (just for fun)
« Reply #7328 on: March 09, 2020, 12:36:58 PM »
MPP: I front-loaded my 401k for the first time and now the market downturn is making that look like a bad decision.

My company does biweekly paychecks and pays bonuses in February. I typically put half of the third paycheck into my 401K, and I did that for the third paycheck in January. Then in February, I got a bonus that, when combined with my YTD contributions, would allow me to max out the 401K, *AND* for the first time I learned how much the bonus was before the cut-off date to change the allocation.

So I decided to do that. And now all those contributions are down ~15% and it's throwing off my spreadsheets. It'll be fine in the long run, but right now I'm annoyed.

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #7329 on: March 09, 2020, 12:48:55 PM »
MPP: I front-loaded my 401k for the first time and now the market downturn is making that look like a bad decision.

My company does biweekly paychecks and pays bonuses in February. I typically put half of the third paycheck into my 401K, and I did that for the third paycheck in January. Then in February, I got a bonus that, when combined with my YTD contributions, would allow me to max out the 401K, *AND* for the first time I learned how much the bonus was before the cut-off date to change the allocation.

So I decided to do that. And now all those contributions are down ~15% and it's throwing off my spreadsheets. It'll be fine in the long run, but right now I'm annoyed.

I did the same thing with our Roth IRAs this year. Also for the first time. I resemble that closing remark.

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #7330 on: March 09, 2020, 02:52:32 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

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Re: Mustachian People Problems (just for fun)
« Reply #7331 on: March 09, 2020, 03:30:00 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

If you could just magically move it straight from one to the other, it wouldn't matter.   As it is, you could lose a bit.  Or gain a bit.

Does the amount you could lose matter all that much?

sui generis

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Re: Mustachian People Problems (just for fun)
« Reply #7332 on: March 09, 2020, 03:32:40 PM »
MPP: I need to liquidate the assets in my HSA so I can roll it over to a new trustee.  I've been meaning to do this for a while, since the fees are high at HSABank, the current trustee, the one my old employer used. 

But now that I'm finally getting on the ball, the stock market takes a nosedive and I feel stupid for liquidating (even though I have a different, good reason to do it) not to mention bad about the losses. But not doing it at this point is psychological and a bad reason to wait so I'm...going to do it...?  Ugh.

If you could just magically move it straight from one to the other, it wouldn't matter.   As it is, you could lose a bit.  Or gain a bit.

Does the amount you could lose matter all that much?

No.  The total amount in the account is less than $10k.  Thanks for reminding me for another reason I should just do it!

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Re: Mustachian People Problems (just for fun)
« Reply #7333 on: March 09, 2020, 07:26:50 PM »
My 401k provider hasn't updated yet for today's market drop. I wanna see how far down the graph went!!!

Context: I am kinda enjoying watching this wild ride. Instead of feeling anxious, I think it's cool. Yes, I'm weird. But since the 401k hasn't rolled through yet, I can't get the full drop in value to see how far down the graph goes.

Aunt Petunia

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Re: Mustachian People Problems (just for fun)
« Reply #7334 on: March 10, 2020, 08:24:58 AM »
My 401k provider hasn't updated yet for today's market drop. I wanna see how far down the graph went!!!

Context: I am kinda enjoying watching this wild ride. Instead of feeling anxious, I think it's cool. Yes, I'm weird. But since the 401k hasn't rolled through yet, I can't get the full drop in value to see how far down the graph goes.

I got paid today but my contribution won't post until Friday, so I will miss most of this dip. Wahhhh!!!

Another mpp: we are waiting to do another cc bonus until our mortgage refinance goes through, so we decided to do a low spend month and clean out the freezer, pantry, etc. I had to buy a new suit the other day and I told my husband I felt like I was "wasting my spend"  because it wouldn't count towards a bonus.

Zaga

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Re: Mustachian People Problems (just for fun)
« Reply #7335 on: March 10, 2020, 04:56:06 PM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

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Re: Mustachian People Problems (just for fun)
« Reply #7336 on: March 11, 2020, 03:53:56 AM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

Similar problem here.  401k contribution on Tuesday just in time to buy 5% higher and tomorrow looks down again

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Re: Mustachian People Problems (just for fun)
« Reply #7337 on: March 11, 2020, 05:00:28 AM »
Well color me annoyed!  DH's 401-K contribution was SUPPOSED to go in yesterday, it always goes in the Monday after he gets paid.  But it didn't.  Bah.

Similar problem here.  401k contribution on Tuesday just in time to buy 5% higher and tomorrow looks down again
Yep, just checked and it went in Tuesday instead of Monday like usual.  I have such a hard life...

fell-like-rain

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Re: Mustachian People Problems (just for fun)
« Reply #7338 on: March 11, 2020, 07:29:38 AM »
Similar problem here- I did some TLH exchanges Monday, but didnít have time to get the orders in before 4.. So they execute yesterday at close (mutual funds) and now I have $500 less in losses than I expected, and Iíll have to exchange more shares to hit -$3000...

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Re: Mustachian People Problems (just for fun)
« Reply #7339 on: March 11, 2020, 09:45:45 AM »
But I do like the fridge idea or a nice cozy bed croissant.  You could also put it in a box with an incandescent light bulb or something... cost would be like 10 cents and that would also go to heating your home
Leave them in the oven with the light on to proof, the light will add just enough heat for them to puff up nicely.
Duh... I was almost there wasnít I?  But I just couldnít make the final leap and ya boomed me
I hate replacing the oven bulb. So my solution when it's below about 72į above my fridge has been to preheat the oven to a low temp for a few minutes, kill it, wait a few minutes more (so the coils are no longer too warm), and then stash the proofing dough in there to rise in a nice, cozy 85į oven. Summer dough rise in midwinter. (Run the house fan for a minute to distribute that nice warm gust of oven air if you won't be in the kitchen afterward.)

My MPP of the day is that the temperature outside is unreasonably and unseasonably perfect, but I have indoor housework to get done and refuse let in that 80% humidity, lest I need the AC later.

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Re: Mustachian People Problems (just for fun)
« Reply #7340 on: March 12, 2020, 05:42:49 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

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Re: Mustachian People Problems (just for fun)
« Reply #7341 on: March 12, 2020, 05:51:32 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

Hopefully the refund doesn't result in a bonus on the other card being clawed back.

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Re: Mustachian People Problems (just for fun)
« Reply #7342 on: March 12, 2020, 11:53:34 AM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

If I were in your shoes, I'd use the one for the bonus until the bonus is satisfied.  You can always call the one with the negative balance and ask them to send you a credit balance refund check.  Usually takes about a week to get in the mail.

SquashingDebt

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Re: Mustachian People Problems (just for fun)
« Reply #7343 on: March 12, 2020, 04:42:30 PM »
I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

Hopefully the refund doesn't result in a bonus on the other card being clawed back.

That's my Chase Sapphire Reserve, which I've had forever, so I might lose some points but no bonus.


I had to cancel our big vacation for the year because of Coronavirus.  Most of the cost I'm getting back in credit towards another cruise, but I'm getting a decent amount back on the credit card I used.  My MPP is that I'm working on hitting a bonus spend for another credit card so I don't know which one to use right now - the one for the bonus spend or the one where the balance is -$1250!

If I were in your shoes, I'd use the one for the bonus until the bonus is satisfied.  You can always call the one with the negative balance and ask them to send you a credit balance refund check.  Usually takes about a week to get in the mail.

Good to know!  I wondered if that was an option but hadn't looked into it yet.

Threshkin

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Re: Mustachian People Problems (just for fun)
« Reply #7344 on: March 13, 2020, 10:23:16 PM »
A family member had told me that was ridiculous, and said he gets new tires every 2-3 years!
Your family member is probably driving a non-Mustachian amount and replacing them based on tread depth instead of age.

Could also be cheap tires.  Decent tires can easily last 60k which is like 4 years at 15k per year

We replaced the tires on our van last year due to age, not wear.  They were 10 years old and still had lots of tread.

Our 20+ year old van only has 150K miles, our current average is under 3K a year.  Mileage might go up a little this year since we are building a bed frame so we can use it as a camper.

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Re: Mustachian People Problems (just for fun)
« Reply #7345 on: March 18, 2020, 12:41:08 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

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Re: Mustachian People Problems (just for fun)
« Reply #7346 on: March 18, 2020, 03:58:00 AM »
Does your library not offer Kindle books?

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #7347 on: March 18, 2020, 05:19:03 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

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Re: Mustachian People Problems (just for fun)
« Reply #7348 on: March 18, 2020, 06:21:13 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #7349 on: March 18, 2020, 06:59:24 AM »
Our library is Corona closed and I found out that I had read most of the books on my Kindle, without buying new ones regularly, as I have been using the library instead.

But since last night I bought a couple of new Kindle books. Circumstances demand it. Another problem is that the dollar has bevome really expensive for me. Good for my international stocks, but bad for buying foreign items.

My libraries are closed too, and I don't have an e-reader so I can't take advantage of e-books.  Once I finish what I have out already, I'll probably go with a mix of re-reads from my bookshelf, things I haven't read from DH's bookshelf (usually not as interesting to me), and maybe buying one or two from amazon and having them shipped.  I'd been trying not to buy new books, but desperate times...

Generally you can read books on PC too. There is an kindle app for example. I would be surprised of libraries don't have something similar.

I know there are ways to make it work, but reading on a computer screen hurts my eyes - part of why I don't have a tablet already.  MPP!  I strongly prefer physical books.  Possibly I'll buy a book or two that I've had on my TBR list which neither of my local library systems have, otherwise there are plenty of books in the house already so I won't be bored.