Author Topic: Mustachian People Problems (just for fun)  (Read 3656906 times)

Roadrunner53

  • Magnum Stache
  • ******
  • Posts: 3214
Re: Mustachian People Problems (just for fun)
« Reply #7550 on: June 09, 2020, 11:00:57 AM »
Okay, this is probably the dumbest cheapism ever but here I go!

Bought a new slow cooker back in January. About March I had used it a few times and it was not cooking hot enough on high. I have used them for years so I know what to expect from low heat and high heat. Took the temperature too and it was low. Anyway, I would have taken back to Walmart but with the virus I was under the impression they were not taking returns. So, I called the 800 number in the book that came with the cooker. The person said they were all working from home so it would take time to resolve the issue. Whether to send me a new cooker or refund me $59.96. Well, months later (today) I got a check in the mail to cover the cost of the cooker. However, they of course couldn't refund me the sales tax since I bought it from Walmart.

The tax is only $3.81 but it irritates me that the state got my money for nothing! I am sure it would take too much work to recover the money and I should just let it go! But GRRRRRR, that makes me mad!

mm1970

  • Walrus Stache
  • *******
  • Posts: 9167
Re: Mustachian People Problems (just for fun)
« Reply #7551 on: June 09, 2020, 12:35:07 PM »
Freaking hell.

At a hotel now and being the person that I am, I chose to take the stairs instead of the elevator. Except the stairs down exiting to the street trigger an alarm when the final door is opened. Okay, so I go up one floor to exit through the hotel but the damn door back inside is locked from the outside, so Iím stuck. Stupid Americans canít fathom in designing buildings that people might want to us their legs to walk.
that sucks. 

Loren Ver

  • Pencil Stache
  • ****
  • Posts: 855
  • Location: Midwest USA
  • I Retired. Yah!
Re: Mustachian People Problems (just for fun)
« Reply #7552 on: June 09, 2020, 12:54:55 PM »
Freaking hell.

At a hotel now and being the person that I am, I chose to take the stairs instead of the elevator. Except the stairs down exiting to the street trigger an alarm when the final door is opened. Okay, so I go up one floor to exit through the hotel but the damn door back inside is locked from the outside, so Iím stuck. Stupid Americans canít fathom in designing buildings that people might want to us their legs to walk.

This has happened to me many times, and as an American I hate it.  I don't like elevators and much prefer the stairs.  Waiting for an elevator bothers me so much and I am fast on the stairs.  I have been stuck in some really stupid places.  Parking garages are some of the scariest.  I've also gotten routed through some employee sections of hotels to avoid alarms.  Oops, found the laundry.  :).

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7553 on: June 09, 2020, 01:11:11 PM »
I know that feel

Used to live on second floor of a high rise.  Had to take the elevator one stop every time because ground stairwell was a fire exit to the street. 

Made sense because it wouldnít be secure to leave open but I guess they could keycard it or architect could have had a lobby connection

On the plus side I didnít need a stair master and could just take the stairs all the way to the roof
« Last Edit: June 09, 2020, 01:13:14 PM by dragoncar »

Morning Glory

  • Magnum Stache
  • ******
  • Posts: 2990
  • Location: The Garden Path
Re: Mustachian People Problems (just for fun)
« Reply #7554 on: June 09, 2020, 01:39:21 PM »
Iím a stairs-taker too :). This is mostly encouraged at my work but some areas have locked access so then you have to go down a floor and over to the next building then back up. I have also gotten locked outside in winter with no coat several times.

I got stuck in the lobby of the psychiatric unit once. I had gone with security to transport a patient there which involved a convoluted and unpleasant route through a tunnel under the street. Thought I could just take the stairs down and walk back across the street to my building. Instead the stairs came down to a lobby and my badge did not work to get outside or the rest of the way into the building. Security had to physically come look at my badge before they would let me out.

My slow cooker runs too hot, even on the low setting. I have to go unplug it and plug it back in multiple times during the day or it burns things.

turketron

  • Pencil Stache
  • ****
  • Posts: 663
  • Age: 35
  • Location: WI
Re: Mustachian People Problems (just for fun)
« Reply #7555 on: June 09, 2020, 01:49:32 PM »
Ugh, the stairs in my office are the same. Pre-covid, I bike to work as much as possible during the summer, and my office has nice bike parking in the garage below the building, with a great shower and locker room on the Lower Level (one floor above the parking garage) of the building. What's super frustrating is that there are NO STAIRS from the garage to the Lower Level- I have to wait for the elevator with all the other folks going up to the various other 10 floors in the building, instead of just a quick hop up a few stairs to the LL. Once on the LL there's a stairwell all the way up to my office but it's just silly that they didn't extend it one level deeper!

zolotiyeruki

  • Magnum Stache
  • ******
  • Posts: 4297
  • Location: State: Denial
Re: Mustachian People Problems (just for fun)
« Reply #7556 on: June 09, 2020, 02:00:33 PM »
My last job had the same issue with stair exits--you could (and many of us did) take the stairs down, and exit into the lobby, but IIRC, you couldn't get back into the stairwell from the lobby.  And taking the elevator to the 2nd floor just so you could hop out, badge through the door, and go over to the stairwell to walk up the next two floors was impractical.

At my job now, I'm on the 2nd floor, and there is no elevator :)

LennStar

  • Magnum Stache
  • ******
  • Posts: 2529
  • Location: Germany
Re: Mustachian People Problems (just for fun)
« Reply #7557 on: June 09, 2020, 11:27:34 PM »
Ugh, the stairs in my office are the same. Pre-covid, I bike to work as much as possible during the summer, and my office has nice bike parking in the garage below the building, with a great shower and locker room on the Lower Level (one floor above the parking garage) of the building. What's super frustrating is that there are NO STAIRS from the garage to the Lower Level- I have to wait for the elevator with all the other folks going up to the various other 10 floors in the building, instead of just a quick hop up a few stairs to the LL. Once on the LL there's a stairwell all the way up to my office but it's just silly that they didn't extend it one level deeper!
Here in socialist Germany ;) that would be illegal because of fire. You know, where everyone tells you to not use the elevator?

I am surprised you dont have regulations like "there have to be at least two ways of exits".

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7558 on: June 10, 2020, 12:12:12 AM »
That was my first reaction but then I realized there is probably an external fire exit to the street from LL and like my situation itís locked to the outside and will alarm if you leave

ysette9

  • Walrus Stache
  • *******
  • Posts: 7779
  • Location: Bay Area at heart living in the PNW
    • The Best Is Yet To Come
Re: Mustachian People Problems (just for fun)
« Reply #7559 on: June 10, 2020, 06:28:30 AM »
Ugh, the stairs in my office are the same. Pre-covid, I bike to work as much as possible during the summer, and my office has nice bike parking in the garage below the building, with a great shower and locker room on the Lower Level (one floor above the parking garage) of the building. What's super frustrating is that there are NO STAIRS from the garage to the Lower Level- I have to wait for the elevator with all the other folks going up to the various other 10 floors in the building, instead of just a quick hop up a few stairs to the LL. Once on the LL there's a stairwell all the way up to my office but it's just silly that they didn't extend it one level deeper!
Here in socialist Germany ;) that would be illegal because of fire. You know, where everyone tells you to not use the elevator?

I am surprised you dont have regulations like "there have to be at least two ways of exits".
There are stairs for fire exits, but they donít have to be pretty or convenient or open for regular use..... sigh

turketron

  • Pencil Stache
  • ****
  • Posts: 663
  • Age: 35
  • Location: WI
Re: Mustachian People Problems (just for fun)
« Reply #7560 on: June 10, 2020, 06:42:44 AM »
There are stairs for fire exits, but they donít have to be pretty or convenient or open for regular use..... sigh

Yep there are other stairs/exits from the building to the street and from the parking garage to the street, the elevator is the only thing connecting the garage to the building.

TomTX

  • Magnum Stache
  • ******
  • Posts: 4565
  • Location: Texas
Re: Mustachian People Problems (just for fun)
« Reply #7561 on: June 10, 2020, 08:57:38 AM »
Iím a stairs-taker too :). This is mostly encouraged at my work but some areas have locked access so then you have to go down a floor and over to the next building then back up. I have also gotten locked outside in winter with no coat several times.

I got stuck in the lobby of the psychiatric unit once. I had gone with security to transport a patient there which involved a convoluted and unpleasant route through a tunnel under the street. Thought I could just take the stairs down and walk back across the street to my building. Instead the stairs came down to a lobby and my badge did not work to get outside or the rest of the way into the building. Security had to physically come look at my badge before they would let me out.

My slow cooker runs too hot, even on the low setting. I have to go unplug it and plug it back in multiple times during the day or it burns things.
Plugin mechanical outlet timers with 2 "on" and 2 "off" pegs are $5-$10.

techwiz

  • Handlebar Stache
  • *****
  • Posts: 2287
  • Location: Ontario
Re: Mustachian People Problems (just for fun)
« Reply #7562 on: June 10, 2020, 09:35:00 AM »
Iím a stairs-taker too :). This is mostly encouraged at my work but some areas have locked access so then you have to go down a floor and over to the next building then back up. I have also gotten locked outside in winter with no coat several times.

I got stuck in the lobby of the psychiatric unit once. I had gone with security to transport a patient there which involved a convoluted and unpleasant route through a tunnel under the street. Thought I could just take the stairs down and walk back across the street to my building. Instead the stairs came down to a lobby and my badge did not work to get outside or the rest of the way into the building. Security had to physically come look at my badge before they would let me out.

My slow cooker runs too hot, even on the low setting. I have to go unplug it and plug it back in multiple times during the day or it burns things.
Plugin mechanical outlet timers with 2 "on" and 2 "off" pegs are $5-$10.

If you like doing DYI electronics you could create your own Slow Cooker Temperature Control using a dimmer switch.

https://vaporbaker.blogspot.com/2010/07/how-to-make-and-use-slow-cooker.html

DadJokes

  • Handlebar Stache
  • *****
  • Posts: 1991
Re: Mustachian People Problems (just for fun)
« Reply #7563 on: June 10, 2020, 01:21:29 PM »
I budget to the penny - not because I need a budget to keep my spending in line but because I like perfect records. It helps with tax planning, keeping track of my savings rate, trend analysis, and more.

I've received a few referral bonuses from credit cards, some from referring my wife and some from referral posts here and elsewhere on the internet. Those bonuses are going to be taxable, so I have to include them in income on my spreadsheet, but then I don't know where to put them in expenses. My spreadsheet defaults to put any money not assigned to any expenses to go into misc savings. However, there is no money unless I cash out the points. I've thought about putting that money in under the vacation line item, as that's where it'll eventually be used. However, I haven't previously recorded signup bonuses in the budget. If I'm going to record these taxable points as vacation funds, then I should record my other points as nontaxable income and vacation expense as well. Doing so will also bring my savings rate down a couple percentage points.

Basically, life is chaos, and putting everything in neat little boxes is not as simple as I'd prefer.

ixtap

  • Magnum Stache
  • ******
  • Posts: 3206
Re: Mustachian People Problems (just for fun)
« Reply #7564 on: June 10, 2020, 01:25:38 PM »
@DadJokes , this is why I determined that budgeting is not good for my mental health. Embrace the chaos.

never give up

  • Walrus Stache
  • *******
  • Posts: 5196
  • Location: UK
  • Kindness is free to give and priceless to receive
Re: Mustachian People Problems (just for fun)
« Reply #7565 on: June 11, 2020, 02:48:02 AM »
I have a Mustachian People Problem caused by my car insurance of all things. The problem is the emotional rollercoaster it has produced leaving me simultaneously feeling overjoyed, guilty and bewildered. Itís all too much, I need a lie down. Who would have thought that boring car insurance could be so dramatic!

I received a letter from my car insurance company telling me they were going to refund £25 of my annual bill because of the lockdown and reduced car usage as a result. Well woohoo! Thatís an unexpected bonus to the monthly savings. That was the overjoyed bit.

My mind quickly turned to the fact that I actually hadnít reduced my car mileage during the lockdown. My overjoyed feeling rapidly turned to guilt. I wasnít breaking lockdown rules itís just that being in super Mustachian mode Iíve reduced my car mileage over the last year or so to only using it once a week for an essential trip. However should I have tried to reduce this further to once a fortnight or something? Oo er. I donít know. Even though this would only have really been symbolic, at least I could have honestly claimed I made the effort to reduce my mileage. But dress it up all I like I can not say I made any attempt to reduce my mileage during lockdown even though I was fully complying with the rules. So Iím being paid £25 for having made no effort whatsoever.

The bewildered part comes from analysing my other actions over the last three months and realising my super Mustachian mode Iíve been in for a couple of years is pretty much the same thing as full lockdown. Crumbs, what a funny thing! I havenít felt at all deprived but now Iím starting to think Iím a bit weird (or even more weird than I originally thought I was).


dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7566 on: June 11, 2020, 03:20:50 AM »
I have a Mustachian People Problem caused by my car insurance of all things. The problem is the emotional rollercoaster it has produced leaving me simultaneously feeling overjoyed, guilty and bewildered. Itís all too much, I need a lie down. Who would have thought that boring car insurance could be so dramatic!

I received a letter from my car insurance company telling me they were going to refund £25 of my annual bill because of the lockdown and reduced car usage as a result. Well woohoo! Thatís an unexpected bonus to the monthly savings. That was the overjoyed bit.

My mind quickly turned to the fact that I actually hadnít reduced my car mileage during the lockdown. My overjoyed feeling rapidly turned to guilt. I wasnít breaking lockdown rules itís just that being in super Mustachian mode Iíve reduced my car mileage over the last year or so to only using it once a week for an essential trip. However should I have tried to reduce this further to once a fortnight or something? Oo er. I donít know. Even though this would only have really been symbolic, at least I could have honestly claimed I made the effort to reduce my mileage. But dress it up all I like I can not say I made any attempt to reduce my mileage during lockdown even though I was fully complying with the rules. So Iím being paid £25 for having made no effort whatsoever.

The bewildered part comes from analysing my other actions over the last three months and realising my super Mustachian mode Iíve been in for a couple of years is pretty much the same thing as full lockdown. Crumbs, what a funny thing! I havenít felt at all deprived but now Iím starting to think Iím a bit weird (or even more weird than I originally thought I was).

Don't feel guilty.  The risk pool is down overall.  Even if you personally didn't drive less, your risk is lower because other people are driving less so fewer other people to collide with.  So the insurance companies are sitting on extra cash because they didn't have to pay out as many claims.  Which is why they are returning premiums to you (and in many cases ordered to do so by oversight bodies).  The premiums returned to you will be less than that returned to other drivers who drive a lot more than you.

never give up

  • Walrus Stache
  • *******
  • Posts: 5196
  • Location: UK
  • Kindness is free to give and priceless to receive
Re: Mustachian People Problems (just for fun)
« Reply #7567 on: June 11, 2020, 03:25:05 AM »
Phew thanks dragoncar. That helps with the guilt. Iíll just remain in a state of bewilderment instead :-)

Plina

  • Pencil Stache
  • ****
  • Posts: 551
Re: Mustachian People Problems (just for fun)
« Reply #7568 on: June 11, 2020, 08:16:49 AM »


The bewildered part comes from analysing my other actions over the last three months and realising my super Mustachian mode Iíve been in for a couple of years is pretty much the same thing as full lockdown. Crumbs, what a funny thing! I havenít felt at all deprived but now Iím starting to think Iím a bit weird (or even more weird than I originally thought I was).

We havenít had full lockdown but social distancing. I havenít actually changed my behaviour that much more than that there has been a nice stop in work related social stuff. Now I can blame it on social distancing. I actually feel a bit deprived due to lack of personal travel but that is the only thing.

never give up

  • Walrus Stache
  • *******
  • Posts: 5196
  • Location: UK
  • Kindness is free to give and priceless to receive
Re: Mustachian People Problems (just for fun)
« Reply #7569 on: June 11, 2020, 09:15:50 AM »
Yes the work related social stuff not occurring has certainly been a plus. That one is a Mustachian People Benefit.

Sibley

  • Walrus Stache
  • *******
  • Posts: 5388
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7570 on: June 11, 2020, 09:25:27 AM »
I have a Mustachian People Problem caused by my car insurance of all things. The problem is the emotional rollercoaster it has produced leaving me simultaneously feeling overjoyed, guilty and bewildered. Itís all too much, I need a lie down. Who would have thought that boring car insurance could be so dramatic!

I received a letter from my car insurance company telling me they were going to refund £25 of my annual bill because of the lockdown and reduced car usage as a result. Well woohoo! Thatís an unexpected bonus to the monthly savings. That was the overjoyed bit.

My mind quickly turned to the fact that I actually hadnít reduced my car mileage during the lockdown. My overjoyed feeling rapidly turned to guilt. I wasnít breaking lockdown rules itís just that being in super Mustachian mode Iíve reduced my car mileage over the last year or so to only using it once a week for an essential trip. However should I have tried to reduce this further to once a fortnight or something? Oo er. I donít know. Even though this would only have really been symbolic, at least I could have honestly claimed I made the effort to reduce my mileage. But dress it up all I like I can not say I made any attempt to reduce my mileage during lockdown even though I was fully complying with the rules. So Iím being paid £25 for having made no effort whatsoever.

The bewildered part comes from analysing my other actions over the last three months and realising my super Mustachian mode Iíve been in for a couple of years is pretty much the same thing as full lockdown. Crumbs, what a funny thing! I havenít felt at all deprived but now Iím starting to think Iím a bit weird (or even more weird than I originally thought I was).

Don't feel guilty.  The risk pool is down overall.  Even if you personally didn't drive less, your risk is lower because other people are driving less so fewer other people to collide with.  So the insurance companies are sitting on extra cash because they didn't have to pay out as many claims.  Which is why they are returning premiums to you (and in many cases ordered to do so by oversight bodies).  The premiums returned to you will be less than that returned to other drivers who drive a lot more than you.

^This.

Michigan and California I believe have ordered refunds. That's just off the top of my head. And yes, even amongst the population that is more typically "essential workers", driving is down. At my company, claims are down about 40% overall.

merula

  • Handlebar Stache
  • *****
  • Posts: 1456
Re: Mustachian People Problems (just for fun)
« Reply #7571 on: June 11, 2020, 11:36:33 AM »
Sibley, you're in P&C too??? At least for my insurance company, I believe we applied a flat refund to everyone just because it was a lot easier to implement quickly than trying to figure out who was actually driving less.

Sibley

  • Walrus Stache
  • *******
  • Posts: 5388
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7572 on: June 11, 2020, 11:59:12 AM »
Sibley, you're in P&C too??? At least for my insurance company, I believe we applied a flat refund to everyone just because it was a lot easier to implement quickly than trying to figure out who was actually driving less.

Yep. *waves from P&C world*

I think we did a flat refund, but wasn't involved so don't know the details. And I don't think we'd have the detail anyway.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7573 on: June 11, 2020, 12:33:37 PM »
Sibley, you're in P&C too??? At least for my insurance company, I believe we applied a flat refund to everyone just because it was a lot easier to implement quickly than trying to figure out who was actually driving less.

Yep. *waves from P&C world*

I think we did a flat refund, but wasn't involved so don't know the details. And I don't think we'd have the detail anyway.

Flat meaning not based on driving or flat meaning the same dollar amount per customer?  If the latter that seems like it would piss off your best customers.  Geico just refunded like 15% of policy

merula

  • Handlebar Stache
  • *****
  • Posts: 1456
Re: Mustachian People Problems (just for fun)
« Reply #7574 on: June 11, 2020, 02:36:06 PM »
Flat as in a flat percentage. A trucking account that's actually driving more with COVID gets 15% off, as does the pharmaceutical sales fleet that is completely 100% shut down because they're not allowed to visit hospitals at all.

I got an email from my personal agent showing the following refunds of April and May premium by carrier: Auto Owners 15%, Chubb 35%, Cincinnati 15%, MetLife 15%, Progressive 20%, PURE 15%*, Secura 15%, Travelers 15%, West Bend Mutual $50 payment, Western National 15%.

*PURE credit applies from the time stay-at-home orders were introduced until they're lifted.

Paul der Krake

  • Walrus Stache
  • *******
  • Posts: 5597
  • Age: 13
  • Location: UTC-10:00
Re: Mustachian People Problems (just for fun)
« Reply #7575 on: June 11, 2020, 02:49:00 PM »
My auto insurance is so damn low the 15% premium refund barely registers. Roughly equivalent to a free burrito with extra guac.

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7576 on: June 11, 2020, 03:48:17 PM »
Flat as in a flat percentage. A trucking account that's actually driving more with COVID gets 15% off, as does the pharmaceutical sales fleet that is completely 100% shut down because they're not allowed to visit hospitals at all.

I got an email from my personal agent showing the following refunds of April and May premium by carrier: Auto Owners 15%, Chubb 35%, Cincinnati 15%, MetLife 15%, Progressive 20%, PURE 15%*, Secura 15%, Travelers 15%, West Bend Mutual $50 payment, Western National 15%.

*PURE credit applies from the time stay-at-home orders were introduced until they're lifted.

Ok thanks.  But claim risk can still be down if mileage is up right?  Based on fewer other assholes on the road
(Of course my personal experience during lockdown was that good drivers stayed home and what was left on the road was roughly divided between people driving 2x the speed limit and people driving 1/2 the speed limit)

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7577 on: June 11, 2020, 03:48:52 PM »
My auto insurance is so damn low the 15% premium refund barely registers. Roughly equivalent to a free burrito with extra guac.

Hey guac is good.  If someone offers me free guac Iím not gonna complain

Sibley

  • Walrus Stache
  • *******
  • Posts: 5388
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7578 on: June 12, 2020, 06:54:01 AM »
Sibley, you're in P&C too??? At least for my insurance company, I believe we applied a flat refund to everyone just because it was a lot easier to implement quickly than trying to figure out who was actually driving less.

Yep. *waves from P&C world*

I think we did a flat refund, but wasn't involved so don't know the details. And I don't think we'd have the detail anyway.

Flat meaning not based on driving or flat meaning the same dollar amount per customer?  If the latter that seems like it would piss off your best customers.  Geico just refunded like 15% of policy

% of premium, I assume for specific months.

Sibley

  • Walrus Stache
  • *******
  • Posts: 5388
  • Location: Northwest Indiana
Re: Mustachian People Problems (just for fun)
« Reply #7579 on: June 12, 2020, 06:58:57 AM »
Flat as in a flat percentage. A trucking account that's actually driving more with COVID gets 15% off, as does the pharmaceutical sales fleet that is completely 100% shut down because they're not allowed to visit hospitals at all.

I got an email from my personal agent showing the following refunds of April and May premium by carrier: Auto Owners 15%, Chubb 35%, Cincinnati 15%, MetLife 15%, Progressive 20%, PURE 15%*, Secura 15%, Travelers 15%, West Bend Mutual $50 payment, Western National 15%.

*PURE credit applies from the time stay-at-home orders were introduced until they're lifted.

To add to the list, since I happen to know them:
Allstate and Kemper both did 2 rounds of 15%

And why did PURE make it so hard on themselves? That's going to be a nightmare to track.

merula

  • Handlebar Stache
  • *****
  • Posts: 1456
Re: Mustachian People Problems (just for fun)
« Reply #7580 on: June 12, 2020, 07:07:10 AM »
And why did PURE make it so hard on themselves? That's going to be a nightmare to track.

Best guess is that they did it before anyone else, or without checking what the market was doing. Maybe they thought it'd save them the hassle of announcing a June/July refund?

My auto carrier is Cincy, but I haven't gotten anything from them yet.

Some family members really lucked out from West Bend. They have a non-owned auto policy, which is only like $150/year, and they're going to get $50 back.

Zaga

  • Magnum Stache
  • ******
  • Posts: 2822
  • Age: 41
  • Location: North of Pittsburgh, PA
    • A Wall of Hats
Re: Mustachian People Problems (just for fun)
« Reply #7581 on: June 12, 2020, 02:42:50 PM »
Flat as in a flat percentage. A trucking account that's actually driving more with COVID gets 15% off, as does the pharmaceutical sales fleet that is completely 100% shut down because they're not allowed to visit hospitals at all.

I got an email from my personal agent showing the following refunds of April and May premium by carrier: Auto Owners 15%, Chubb 35%, Cincinnati 15%, MetLife 15%, Progressive 20%, PURE 15%*, Secura 15%, Travelers 15%, West Bend Mutual $50 payment, Western National 15%.

*PURE credit applies from the time stay-at-home orders were introduced until they're lifted.

To add to the list, since I happen to know them:
Allstate and Kemper both did 2 rounds of 15%

And why did PURE make it so hard on themselves? That's going to be a nightmare to track.
We just got our third car insurance refund, about $22 each time.  Interestingly it's not the exact same amount each time, so there must be some math going on there.  I won't turn down the refund, we are barely driving these days.

LennStar

  • Magnum Stache
  • ******
  • Posts: 2529
  • Location: Germany
Re: Mustachian People Problems (just for fun)
« Reply #7582 on: June 13, 2020, 12:41:24 AM »
Flat as in a flat percentage. A trucking account that's actually driving more with COVID gets 15% off, as does the pharmaceutical sales fleet that is completely 100% shut down because they're not allowed to visit hospitals at all.

I got an email from my personal agent showing the following refunds of April and May premium by carrier: Auto Owners 15%, Chubb 35%, Cincinnati 15%, MetLife 15%, Progressive 20%, PURE 15%*, Secura 15%, Travelers 15%, West Bend Mutual $50 payment, Western National 15%.

*PURE credit applies from the time stay-at-home orders were introduced until they're lifted.

To add to the list, since I happen to know them:
Allstate and Kemper both did 2 rounds of 15%

And why did PURE make it so hard on themselves? That's going to be a nightmare to track.
We just got our third car insurance refund, about $22 each time.  Interestingly it's not the exact same amount each time, so there must be some math going on there.  I won't turn down the refund, we are barely driving these days.

WAIT! You mean you get it per month? You get $22 refund per month? You get as much refund as I pay?
Car insurance in the US is frightful. Or are you driving a clown car?

EscapeVelocity2020

  • Magnum Stache
  • ******
  • Posts: 3578
  • Age: 47
  • Location: Houston
    • EscapeVelocity2020
Re: Mustachian People Problems (just for fun)
« Reply #7583 on: June 13, 2020, 01:33:11 AM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.

Dicey

  • Senior Mustachian
  • ********
  • Posts: 16486
  • Age: 63
  • Location: NorCal
Re: Mustachian People Problems (just for fun)
« Reply #7584 on: June 13, 2020, 02:30:12 AM »
Okay, this is probably the dumbest cheapism ever but here I go!

Bought a new slow cooker back in January. About March I had used it a few times and it was not cooking hot enough on high. I have used them for years so I know what to expect from low heat and high heat. Took the temperature too and it was low. Anyway, I would have taken back to Walmart but with the virus I was under the impression they were not taking returns. So, I called the 800 number in the book that came with the cooker. The person said they were all working from home so it would take time to resolve the issue. Whether to send me a new cooker or refund me $59.96. Well, months later (today) I got a check in the mail to cover the cost of the cooker. However, they of course couldn't refund me the sales tax since I bought it from Walmart.

The tax is only $3.81 but it irritates me that the state got my money for nothing! I am sure it would take too much work to recover the money and I should just let it go! But GRRRRRR, that makes me mad!
Wait!  You're saying what you have is a slow cooker that works perfectly fine on low and it only cost you $3.81 out of pocket? Sounds like a screaming deal to me!

LennStar

  • Magnum Stache
  • ******
  • Posts: 2529
  • Location: Germany
Re: Mustachian People Problems (just for fun)
« Reply #7585 on: June 13, 2020, 03:05:19 AM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.
Everyone needs something fun where she doesn't look at the costs (much). In your case you are paying 20 dollar for how many people?

That said, I don't know if it is a mustachian problem, but I got some ebooks for my birthday that was a few days ago. When I bought them they were 36Ä. The day after my birthday Amazon showed me the pack again (I always wonder why you get shown things in ads that you already own) - and it was 33Ä.
I was a bit bummed since I didn't read them while the price was still "high".

Morning Glory

  • Magnum Stache
  • ******
  • Posts: 2990
  • Location: The Garden Path
Re: Mustachian People Problems (just for fun)
« Reply #7586 on: June 13, 2020, 03:38:25 AM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.

MMMs pool advice is highly regional, as one gets much more use out of a pool in Texas than one does in Canada. He was also including the opportunity cost of the funds used to buy the pool, which change if the pool comes with the house. (Provided the house is not more expensive because it has a pool, in my area they are not).


zolotiyeruki

  • Magnum Stache
  • ******
  • Posts: 4297
  • Location: State: Denial
Re: Mustachian People Problems (just for fun)
« Reply #7587 on: June 13, 2020, 09:57:55 AM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.
As I understand it, mustachianism is about maximizing your joy or utility per dollar spent.  You're clearly getting a LOT of both out of your pool.

Playing with Fire UK

  • Magnum Stache
  • ******
  • Posts: 3409
Re: Mustachian People Problems (just for fun)
« Reply #7588 on: June 15, 2020, 02:21:36 AM »
I have a Mustachian People Problem caused by my car insurance of all things. The problem is the emotional rollercoaster it has produced leaving me simultaneously feeling overjoyed, guilty and bewildered. Itís all too much, I need a lie down. Who would have thought that boring car insurance could be so dramatic!

I received a letter from my car insurance company telling me they were going to refund £25 of my annual bill because of the lockdown and reduced car usage as a result. Well woohoo! Thatís an unexpected bonus to the monthly savings. That was the overjoyed bit.

My mind quickly turned to the fact that I actually hadnít reduced my car mileage during the lockdown. My overjoyed feeling rapidly turned to guilt. I wasnít breaking lockdown rules itís just that being in super Mustachian mode Iíve reduced my car mileage over the last year or so to only using it once a week for an essential trip. However should I have tried to reduce this further to once a fortnight or something? Oo er. I donít know. Even though this would only have really been symbolic, at least I could have honestly claimed I made the effort to reduce my mileage. But dress it up all I like I can not say I made any attempt to reduce my mileage during lockdown even though I was fully complying with the rules. So Iím being paid £25 for having made no effort whatsoever.

The bewildered part comes from analysing my other actions over the last three months and realising my super Mustachian mode Iíve been in for a couple of years is pretty much the same thing as full lockdown. Crumbs, what a funny thing! I havenít felt at all deprived but now Iím starting to think Iím a bit weird (or even more weird than I originally thought I was).

Don't feel guilty.  The risk pool is down overall.  Even if you personally didn't drive less, your risk is lower because other people are driving less so fewer other people to collide with.  So the insurance companies are sitting on extra cash because they didn't have to pay out as many claims.  Which is why they are returning premiums to you (and in many cases ordered to do so by oversight bodies).  The premiums returned to you will be less than that returned to other drivers who drive a lot more than you.

Fewer people are out and about stealing or breaking into cars, so that risk has gone down too.

merula

  • Handlebar Stache
  • *****
  • Posts: 1456
Re: Mustachian People Problems (just for fun)
« Reply #7589 on: June 15, 2020, 07:16:45 AM »
Fewer people are out and about stealing or breaking into cars, so that risk has gone down too.

Clearly you're not in Minnesota. :) https://www.startribune.com/officers-slashed-tires-on-vehicles-parked-during-mpls-protests-unrest/571105692/

ysette9

  • Walrus Stache
  • *******
  • Posts: 7779
  • Location: Bay Area at heart living in the PNW
    • The Best Is Yet To Come
Re: Mustachian People Problems (just for fun)
« Reply #7590 on: June 16, 2020, 08:33:09 PM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.
I think if I had to live in Houston I would have a pool also, or otherwise never go outside anytime it was over 75*F (which is most of the year, right?). Then again, it would also have to be covered because I canít deal with the sun either.

Or the humidity. Really, Houston is not the place for me.

zolotiyeruki

  • Magnum Stache
  • ******
  • Posts: 4297
  • Location: State: Denial
Re: Mustachian People Problems (just for fun)
« Reply #7591 on: June 17, 2020, 07:55:18 AM »
I was enjoying my pool today, like I do every day, but went back to this MMM post just for fun.  I am in my pool every day, even in the winter, and it brings me a whole new lease on life.  I don't think I'd be outside in the Houston summer, our kids wouldn't be outside with their friends, and we wouldn't enjoy the view of the pool outside our window if the pool were not there.  I guess, if I'm paying $20 a day, then this 'latte habit' is my downfall and I'll just have to work that extra year.  Egads!  I appreciate the awareness, but life is so complicated, this is one area I'm more than happy to have paid for and moved on.  Whew, cheers to paid off extravagance.
I think if I had to live in Houston I would have a pool also, or otherwise never go outside anytime it was over 75*F (which is most of the year, right?). Then again, it would also have to be covered because I canít deal with the sun either.

Or the humidity. Really, Houston is not the place for me.
I used to live down there, and can corroborate the "over 75 most of the year."  We loved living down there, and in fact, the climate was the only thing we *didn't* enjoy about it.  Great people, great food, great culture, low taxes, traffic wasn't so bad for me (I was out in the suburbs, but downtown Houston was only 40 minutes away), major airport hub...

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7592 on: June 17, 2020, 09:13:20 AM »
Curious to hear about the Houston culture. 

zolotiyeruki

  • Magnum Stache
  • ******
  • Posts: 4297
  • Location: State: Denial
Re: Mustachian People Problems (just for fun)
« Reply #7593 on: June 17, 2020, 09:21:48 AM »
Curious to hear about the Houston culture.
In a "people" sense, everyone is super friendly/courteous/old school polite.  In terms of fine arts and entertainment, we had no trouble finding concerts, plays, operas, festivals, etc.

Aegishjalmur

  • Bristles
  • ***
  • Posts: 292
Re: Mustachian People Problems (just for fun)
« Reply #7594 on: June 17, 2020, 11:43:05 AM »
.
« Last Edit: June 17, 2020, 07:51:28 PM by Aegishjalmur »

ysette9

  • Walrus Stache
  • *******
  • Posts: 7779
  • Location: Bay Area at heart living in the PNW
    • The Best Is Yet To Come
Re: Mustachian People Problems (just for fun)
« Reply #7595 on: June 17, 2020, 02:02:40 PM »
MPP-I have to go buy a new silicon spatula because a sheepdog stole mine this morning.... yes, you read that right.

FIRE still beats office work.
Sorry. I just gotta

SiliconE spatula is the rubbery thing. SilicoN is what the chip in your phone is made of.


ixtap

  • Magnum Stache
  • ******
  • Posts: 3206
Re: Mustachian People Problems (just for fun)
« Reply #7596 on: June 17, 2020, 02:12:20 PM »
MPP-I have to go buy a new silicon spatula because a sheepdog stole mine this morning.... yes, you read that right.

FIRE still beats office work.
Sorry. I just gotta

SiliconE spatula is the rubbery thing. SilicoN is what the chip in your phone is made of.



Maybe Aegishjalmur had a clear spatula with a chip design imbedded in it!

I bet DH used to have something like that available to him through Megacorp's bizarro rewards program. Unfortunately, they took that away about the same time that Delta discontinued the SKyMall catalog and now I don't know what kind of crazy things people are spending their money on :(

dragoncar

  • Walrus Stache
  • *******
  • Posts: 9646
  • Registered member
Re: Mustachian People Problems (just for fun)
« Reply #7597 on: June 17, 2020, 02:55:08 PM »
Silicone contains silicon so itís not technically incorrect just rather unspecific

Not the other way around though

ysette9

  • Walrus Stache
  • *******
  • Posts: 7779
  • Location: Bay Area at heart living in the PNW
    • The Best Is Yet To Come
Re: Mustachian People Problems (just for fun)
« Reply #7598 on: June 17, 2020, 03:02:34 PM »
Silicone contains silicon so itís not technically incorrect just rather unspecific

Not the other way around though
To a materials engineer who has spent a career correcting this mistake in documentation, it matters. :)

Taran Wanderer

  • Handlebar Stache
  • *****
  • Posts: 1003
Re: Mustachian People Problems (just for fun)
« Reply #7599 on: June 17, 2020, 07:29:04 PM »
Silicone contains silicon so itís not technically incorrect just rather unspecific

Not the other way around though
To a materials engineer who has spent a career correcting this mistake in documentation, it matters. :)

ďYouíre too detail oriented. You need to relax and take more risks.Ē

From more than one performance review in my role as a the leader of our engineering and several compliance functions in my firm.

Yeah. Right.