Author Topic: Mustachian People Problems (just for fun)  (Read 4865832 times)

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #9100 on: February 04, 2022, 09:48:29 PM »
I use personal capital to aggregate my net worth.  Itís annoying me right now with a 1 more step, add your home message.  I rent right now, I have no home to add.

LD_TAndK

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Re: Mustachian People Problems (just for fun)
« Reply #9101 on: February 05, 2022, 02:48:44 AM »
I have so many goddamn credit cards I have to refer to a spreadsheet to remember which one to use for maximum rewards in which category.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #9102 on: February 05, 2022, 07:41:52 AM »
I use personal capital to aggregate my net worth.  Itís annoying me right now with a 1 more step, add your home message.  I rent right now, I have no home to add.

Message pops up repeatedly? Put down that you have a home, value $1

okisok

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Re: Mustachian People Problems (just for fun)
« Reply #9103 on: February 05, 2022, 12:17:56 PM »
Personal Capital let me put down $0 as my home value when I was renting.

On that note, there is an on-going annoyance on their bar graph in my account. When I did buy a house, I entered the home value and the mortgage info on the same day. The home value processed immediately but the mortgage account information didn't process for several days. Now there is a huge jump in net worth for a few days that throws off the graph.

DeniseNJ

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Re: Mustachian People Problems (just for fun)
« Reply #9104 on: February 07, 2022, 07:36:17 AM »
I have so many goddamn credit cards I have to refer to a spreadsheet to remember which one to use for maximum rewards in which category.

Write it on the card in sharpie or on a piece of masking tape on the card. :)

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #9105 on: February 07, 2022, 08:11:24 AM »
I have so many goddamn credit cards I have to refer to a spreadsheet to remember which one to use for maximum rewards in which category.

Write it on the card in sharpie or on a piece of masking tape on the card. :)

I've simplified my life by not chasing anything that requires remembering rotating categories for an extra one percent or so... So my rules are fairly simple

Target RedCard - Only used at Target stores or Target.com (5%)
Amazon Prime Store Card - Only used at Amazon.com (set as default payment method) (5%)
CapitalOne CC - Exclusively used when traveling internationally (1% + no foreign txn fees)
Fidelity CC - Everything else (2%)

Not hard to remember, since 2 of the 4 cards are branded with the only place I use them :)
Could I earn 3% or 5% occasionally on specific spending categories, if I chased after some other cards?  Yeah.  Do I spend enough in any one of those categories to make it worth my effort? No.



Siebrie

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Re: Mustachian People Problems (just for fun)
« Reply #9106 on: February 08, 2022, 02:58:16 AM »
My bank has started a rewards programme for using their bank card (debit). However, it's still in its infancy and has many bugs.

There is a 3% cashback when using your debit card at a certain supermarket, but this reward needs to be reactivated every month, is only valid for 1 shop per month, and has many exclusions. The supermarket is also more upscale, and so it's rare that I actually shop there every month. Anyway, I usually get about Ä0.78 back :). Then, in December they had a reward of Ä15 back on a Ä35 shop, valid for just a week. This, I took advantage of, but the reward never materialised, and any communication was met with standard, uninspired, uninvestigated replies.

The rewards programme also includes takeaway.com, giving a 4% cashback when used through the app. December had 1 week of 8% cashback. I have now ordered 4 times, and the cashback never materialises. For communication results, see above.

I have stopped using the rewards programme; the hassle is not worth the minimal cashback.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #9107 on: February 08, 2022, 06:43:07 AM »
My bank has started a rewards programme for using their bank card (debit). However, it's still in its infancy and has many bugs.

There is a 3% cashback when using your debit card at a certain supermarket, but this reward needs to be reactivated every month, is only valid for 1 shop per month, and has many exclusions. The supermarket is also more upscale, and so it's rare that I actually shop there every month. Anyway, I usually get about Ä0.78 back :). Then, in December they had a reward of Ä15 back on a Ä35 shop, valid for just a week. This, I took advantage of, but the reward never materialised, and any communication was met with standard, uninspired, uninvestigated replies.

The rewards programme also includes takeaway.com, giving a 4% cashback when used through the app. December had 1 week of 8% cashback. I have now ordered 4 times, and the cashback never materialises. For communication results, see above.

I have stopped using the rewards programme; the hassle is not worth the minimal cashback.

If you've got the documentation, report them to the news media and then the local prosecutor for fraud.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #9108 on: February 23, 2022, 01:17:46 PM »
Today's MPP: Just got a 5% raise - which is unusually high for my area of .gov. I kicked ass in 2021.

However, it takes 3 years to fully propagate to my pension payout ("High 3") and I'm planning to RE next year!

kenner

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Re: Mustachian People Problems (just for fun)
« Reply #9109 on: February 23, 2022, 01:23:34 PM »
My bank has started a rewards programme for using their bank card (debit). However, it's still in its infancy and has many bugs.

There is a 3% cashback when using your debit card at a certain supermarket, but this reward needs to be reactivated every month, is only valid for 1 shop per month, and has many exclusions. The supermarket is also more upscale, and so it's rare that I actually shop there every month. Anyway, I usually get about Ä0.78 back :). Then, in December they had a reward of Ä15 back on a Ä35 shop, valid for just a week. This, I took advantage of, but the reward never materialised, and any communication was met with standard, uninspired, uninvestigated replies.

The rewards programme also includes takeaway.com, giving a 4% cashback when used through the app. December had 1 week of 8% cashback. I have now ordered 4 times, and the cashback never materialises. For communication results, see above.

I have stopped using the rewards programme; the hassle is not worth the minimal cashback.

If you've got the documentation, report them to the news media and then the local prosecutor for fraud.

Not sure about news media, but I've contacted the Consumer Financial Protection Bureau twice for credit card issues and both times have had a response from a 'vice president' within two days.  I tend find titles worthless when it comes to banks, but I also got all of the money/credits that they were withholding on very short order so if you've got the documentation it might be worth a try.

parkerk

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Re: Mustachian People Problems (just for fun)
« Reply #9110 on: February 23, 2022, 02:56:37 PM »
My MPP this week - I started a new job earning 3x what I was earning at my previous job, but at that job I was an independent contractor and didn't get any tax withheld.  So tax withholding now that I'm a real employee means that my take-home pay is only about 2x my previous pay.  So what if I get a big refund next April instead of a big tax bill?  I want more money nowwwww...

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #9111 on: February 23, 2022, 03:43:17 PM »
My MPP this week - I started a new job earning 3x what I was earning at my previous job, but at that job I was an independent contractor and didn't get any tax withheld.  So tax withholding now that I'm a real employee means that my take-home pay is only about 2x my previous pay.  So what if I get a big refund next April instead of a big tax bill?  I want more money nowwwww...

File an amended W-4 (presuming you are in the USA)

pasadenafr

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Re: Mustachian People Problems (just for fun)
« Reply #9112 on: February 23, 2022, 05:55:49 PM »
My MPP this week - I started a new job earning 3x what I was earning at my previous job, but at that job I was an independent contractor and didn't get any tax withheld.  So tax withholding now that I'm a real employee means that my take-home pay is only about 2x my previous pay.  So what if I get a big refund next April instead of a big tax bill?  I want more money nowwwww...

Also assuming you're in the US, update your W4 so you don't over-withhold (just be careful not to under-withhold too much). I tinker with mine a couple times a year, and I'm owed a whopping $87 tax refund this year.

glacio09

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Re: Mustachian People Problems (just for fun)
« Reply #9113 on: February 24, 2022, 09:57:19 AM »
I have one of the most petty problems ever and I feel that this is one of the few places I can express my annoyance without y'all judging me for being a monster. I'm getting married in a week and we're setting up the prenup which will be just a simple this is what I have, this is what you have, if we divorce that comes off the the top and everything else is split 50/50. My issue is that we have similar savings accounts but I have ten times as much in investments as him (hence the prenup). And the market is down. For the fifth straight day. With the lowest worst month since Covid started. It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Thanks. I need to get that off my chest.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #9114 on: February 24, 2022, 10:10:55 AM »
It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Just think of it as an extra incentive to make your marriage work ;-)  Maybe fate really wants you to stay together! (Alternately, take out a quick loan to inflate your assets and hope no one notices...)

My MPP: the new grocery store in the neighborhood has sent out a series of $10 off $40 coupons, but between being single, having a fully stocked pantry and freezer (due to Omicron worries over the winter), and ongoing stomach problems severely reducing my appetite, I have a hard time coming up with a $40 food shop every week...

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #9115 on: February 24, 2022, 10:37:22 AM »
My MPP:  I have two teenagers old enough to work, and I've been encouraging them to contribute to their Roth IRAs while they're young.  And they've both done so over the past year. And they've both lost (on paper) money in the recent dip.  I'm debating whether to encourage them to invest more (they have more sitting in the bank) or to let ignorance be bliss...

moof

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Re: Mustachian People Problems (just for fun)
« Reply #9116 on: February 24, 2022, 10:51:05 AM »
Working on taxes and found out we went fell into the Roth phaseout range, and now I have to do extra paperwork to deal with the excess contributions.  Bother.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #9117 on: February 24, 2022, 11:24:06 AM »
Working on taxes and found out we went fell into the Roth phaseout range, and now I have to do extra paperwork to deal with the excess contributions.  Bother.

At least you know the full routine. DH recharacterized, and left the non deductible contribution sitting there until it had doubled...

Which brings me to our MPP, between MBR with no growth, DH finally dealing with that tIRA and my closing my solo 401k, Turbo tax keeps asking if I am really, really sure that with all that 1099R income we entered everything correctly and owe nothing?!

Turtle

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Re: Mustachian People Problems (just for fun)
« Reply #9118 on: February 24, 2022, 01:26:48 PM »
I have one of the most petty problems ever and I feel that this is one of the few places I can express my annoyance without y'all judging me for being a monster. I'm getting married in a week and we're setting up the prenup which will be just a simple this is what I have, this is what you have, if we divorce that comes off the the top and everything else is split 50/50. My issue is that we have similar savings accounts but I have ten times as much in investments as him (hence the prenup). And the market is down. For the fifth straight day. With the lowest worst month since Covid started. It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Thanks. I need to get that off my chest.

Perhaps save detailed statements that show how many shares of each investment that you currently own, rather than going strictly by the current dollar value?  That could be useful if you are a buy and hold type of investor.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #9119 on: February 24, 2022, 01:43:12 PM »
I have one of the most petty problems ever and I feel that this is one of the few places I can express my annoyance without y'all judging me for being a monster. I'm getting married in a week and we're setting up the prenup which will be just a simple this is what I have, this is what you have, if we divorce that comes off the the top and everything else is split 50/50. My issue is that we have similar savings accounts but I have ten times as much in investments as him (hence the prenup). And the market is down. For the fifth straight day. With the lowest worst month since Covid started. It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Thanks. I need to get that off my chest.

Perhaps save detailed statements that show how many shares of each investment that you currently own, rather than going strictly by the current dollar value?  That could be useful if you are a buy and hold type of investor.

Or stop adding to that account and open a new one for going forward.

a-scho

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Re: Mustachian People Problems (just for fun)
« Reply #9120 on: February 24, 2022, 10:55:20 PM »
I almost spent $10 at Starbucks today to get the equivalent of two free drinks worth of rewards. Would've been a good deal... but I just didn't feel like thinking so hard about what to buy to get exactly $10 worth.

I signed up for the Starbucks credit card that gives you 4500 points after you spend 500.00 on the card( anywhere, doesn't have to be at Starbucks). Plus you also get a free drink coupon emailed to you every month. So, my MPP is, "Dude!! I need to go to Starbucks and use my free handcrafted drink coupon before it expires!!" You can make it any size, so, yeah, I get the largest with added shots and specialty milk. They charge paying customers 10.25 for the drink I order, but I get it for freeeeeeee. I usually only drink about one 8oz coffee a day. So, I drink half of my venti and drink the rest the next day. Two days of Starbucks free ee eee. 4500 point could be used on 30 handcrafted drinks, but I choose 90 drip coffees instead. It makes my specialty drink more fun when I only get it once a month. The card has no annual fee the first year and then 49.00 after that. I've decided to keep the card active so I can get my monthly 10.25 drink for the out of pocket cost of 4.08.





Plina

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Re: Mustachian People Problems (just for fun)
« Reply #9121 on: February 26, 2022, 01:33:18 AM »
I have one of the most petty problems ever and I feel that this is one of the few places I can express my annoyance without y'all judging me for being a monster. I'm getting married in a week and we're setting up the prenup which will be just a simple this is what I have, this is what you have, if we divorce that comes off the the top and everything else is split 50/50. My issue is that we have similar savings accounts but I have ten times as much in investments as him (hence the prenup). And the market is down. For the fifth straight day. With the lowest worst month since Covid started. It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Thanks. I need to get that off my chest.

Perhaps save detailed statements that show how many shares of each investment that you currently own, rather than going strictly by the current dollar value?  That could be useful if you are a buy and hold type of investor.

Or stop adding to that account and open a new one for going forward.

Why are you using the current value instead of content and their replacement on a specific account?

AnotherEngineer

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Re: Mustachian People Problems (just for fun)
« Reply #9122 on: February 28, 2022, 07:09:44 AM »
Personal Capital and T Rowe Price didn't talk well to each other for a week and my 401(k) value would jump between $30k and $1M instead of the proper ~$200k. It really messed up the scale of the net worth chart and I had to wait 90 days for the blips to leave the default screen, though the erroneous values are still showing in PC.

talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #9123 on: February 28, 2022, 10:04:42 AM »
Add me to the chorus saying, "Shares, not market value".

Reynold

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Re: Mustachian People Problems (just for fun)
« Reply #9124 on: February 28, 2022, 04:19:01 PM »
I have one of the most petty problems ever and I feel that this is one of the few places I can express my annoyance without y'all judging me for being a monster. I'm getting married in a week and we're setting up the prenup which will be just a simple this is what I have, this is what you have, if we divorce that comes off the the top and everything else is split 50/50. My issue is that we have similar savings accounts but I have ten times as much in investments as him (hence the prenup). And the market is down. For the fifth straight day. With the lowest worst month since Covid started. It's the one time before retirement that it actually could make a difference to me how much is in that account and I'm down 30k from it's high.

Average value for the last quarter, instead of end of day value the day you sign the prenup? 

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #9125 on: February 28, 2022, 05:06:39 PM »
MPP (or humblebrag?) of the day for me... Been thinking about FIRE for a while and feel I've either been very close, or OMY'ing for a couple years now...  Then today I get a promotion at work with a lot more golden-handcuff-style compensation in the form of RSUs and increased salary, in addition to a one time cash bonus, that as a gross amount, is equal to about my living expenses for 3/4 of a year...

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #9126 on: February 28, 2022, 05:39:26 PM »
MPP (or humblebrag?) of the day for me... Been thinking about FIRE for a while and feel I've either been very close, or OMY'ing for a couple years now...  Then today I get a promotion at work with a lot more golden-handcuff-style compensation in the form of RSUs and increased salary, in addition to a one time cash bonus, that as a gross amount, is equal to about my living expenses for 3/4 of a year...
Take the money( cash bonus) and RUN.  Don't take my word for it, ask @Omy how they feel about FIREing.  The rest is only a handcuff if you let it be.

parkerk

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Re: Mustachian People Problems (just for fun)
« Reply #9127 on: March 01, 2022, 01:30:07 PM »
MPP (or humblebrag?) of the day for me... Been thinking about FIRE for a while and feel I've either been very close, or OMY'ing for a couple years now...  Then today I get a promotion at work with a lot more golden-handcuff-style compensation in the form of RSUs and increased salary, in addition to a one time cash bonus, that as a gross amount, is equal to about my living expenses for 3/4 of a year...
Take the money( cash bonus) and RUN.  Don't take my word for it, ask @Omy how they feel about FIREing.  The rest is only a handcuff if you let it be.

Yes, this! Eventually no amount of money will be able to compare to your freedom - make a plan that doesn't include the handcuff-y things they're offering and stick to it when your time comes up!

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #9128 on: March 01, 2022, 03:31:00 PM »
Iím thinking about a different job. Similar money, perhaps more in flush years. More control, more focus, less organizational politics. Anyway, I ran some numbers on there scenarios:

1. Keep working and saving like we do now.
2. Work differently/less and save zero.
3. DW keeps working but I stop and we draw some money from the stash.

MPP:  in all three scenarios, we end up with a stash that continues to grow, just not as obscenely high in 2 and 3 compared to number 1. So now Iím back to questioning whether to work at all. MPPs are so difficultÖ

FireLane

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Re: Mustachian People Problems (just for fun)
« Reply #9129 on: March 03, 2022, 02:36:00 PM »
My MPP: Since the market is down, I wanted to do some tax loss harvesting. But I can't - I don't have any losses to harvest!

My shares are down from all-time highs, but they're still above what they were when I bought them.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #9130 on: March 03, 2022, 06:18:17 PM »
My MPP: Since the market is down, I wanted to do some tax loss harvesting. But I can't - I don't have any losses to harvest!

My shares are down from all-time highs, but they're still above what they were when I bought them.
Same here, I stopped purchases about 2014, and now my balances are about 3x what they were then.

I _do_ have some losses in single stock buys, but I keep those since:
 a) they remind me of the stupidity of stock picking,
 b)I don't want to lock in the loss, because, you never know :-), they might go up 20x to bring me back to breakeven
 c) I might need those losses in the future.

markbike528CBX

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Re: Mustachian People Problems (just for fun)
« Reply #9131 on: March 08, 2022, 07:29:08 PM »
MPP/maybehumblebrag/Public Service Announcement:  Two years $0 federal tax, and OMG.... this year $35 to the feds...AAAAAgh :-)

PSA:  Go Curry Cracker  Never Pay Taxes Again https://www.gocurrycracker.com/never-pay-taxes-again/   
         https://evergreensmallbusiness.com/why-you-dont-need-to-worry-about-taxes-in-retirement/   ---  TL:Dr   RELAX!

Blackeagle

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Re: Mustachian People Problems (just for fun)
« Reply #9132 on: March 14, 2022, 03:54:51 PM »
Recently, on a very cold morning, I go out to my car for a trip to the bank to deposit a check only to find that my battery is very dead.  The car wonít start.  I decided the check can wait; Iím not interested in messing with jumper cables in sub-freezing temperatures.  This morning, in much warmer weather, I jumped the car and drove to the bank.  Once the battery got charged up itís running just fine.  I figure it was just discharged (plus the cold weather) rather than a bad battery.

How is this a mustachian people problem?  The last time I drove anywhere was four weeks ago.  Clearly, I need to use my car more. :-D

Taran Wanderer

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Re: Mustachian People Problems (just for fun)
« Reply #9133 on: March 14, 2022, 04:20:56 PM »
Check your batteryís age. If itís more than 5 years old, itís probably time to replace it.  I managed to stretch one my batteries to 12 years old, but then after jumping it a few times, I replaced the battery. Not long after, I got to replace the alternator, too. That was a lot more expensive than the battery. Did the old battery stress the alternator to death? I donít know, but my approach now is to change the battery every 5 years and avoid the headaches.

Blackeagle

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Re: Mustachian People Problems (just for fun)
« Reply #9134 on: March 14, 2022, 04:30:37 PM »
Check your batteryís age. If itís more than 5 years old, itís probably time to replace it.

Good thought.  In this case, itís a new battery.  Replaced last November.  Possible I got a dud, but my guess is itís just lack of driving and cold (for Kansas City) weather.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #9135 on: March 14, 2022, 04:52:36 PM »
Check your batteryís age. If itís more than 5 years old, itís probably time to replace it.

Good thought.  In this case, itís a new battery.  Replaced last November.  Possible I got a dud, but my guess is itís just lack of driving and cold (for Kansas City) weather.

If you want the battery to last you'll need to avoid letting it deeply discharge. Consider getting a battery maintainer if it's going to sit for long periods at a time.

eyesonthehorizon

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Re: Mustachian People Problems (just for fun)
« Reply #9136 on: March 15, 2022, 11:49:57 PM »
If you want the battery to last you'll need to avoid letting it deeply discharge. Consider getting a battery maintainer if it's going to sit for long periods at a time.
Thanks for the reminder these exist. I had a much longer gap between drives recently resulting in a jumpstart & recovering health aside I donít foresee much more driving than Iíve been doing. If not for the pandemic (the impossibility of hiring a covid-attentive driver where I live) Iíd probably just sell the car.

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #9137 on: March 16, 2022, 05:53:39 AM »
If you want the battery to last you'll need to avoid letting it deeply discharge. Consider getting a battery maintainer if it's going to sit for long periods at a time.
Thanks for the reminder these exist. I had a much longer gap between drives recently resulting in a jumpstart & recovering health aside I donít foresee much more driving than Iíve been doing. If not for the pandemic (the impossibility of hiring a covid-attentive driver where I live) Iíd probably just sell the car.

I bought this Noco Genius 5 on Amazon last year - https://www.amazon.com/gp/product/B07W8KJH44/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1

My battery also died, but it wasn't staying charged. I checked, and it was exactly five years old. I put a new battery in and bought the battery tender to keep it in good condition. I've only put 49 miles on the car this year, and last time I got gas was Thanksgiving, when we used my car to drive to my Mother-in-law's place.

talltexan

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Re: Mustachian People Problems (just for fun)
« Reply #9138 on: March 16, 2022, 06:58:11 AM »
If you want the battery to last you'll need to avoid letting it deeply discharge. Consider getting a battery maintainer if it's going to sit for long periods at a time.
Thanks for the reminder these exist. I had a much longer gap between drives recently resulting in a jumpstart & recovering health aside I donít foresee much more driving than Iíve been doing. If not for the pandemic (the impossibility of hiring a covid-attentive driver where I live) Iíd probably just sell the car.


I bought this Noco Genius 5 on Amazon last year - https://www.amazon.com/gp/product/B07W8KJH44/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1

My battery also died, but it wasn't staying charged. I checked, and it was exactly five years old. I put a new battery in and bought the battery tender to keep it in good condition. I've only put 49 miles on the car this year, and last time I got gas was Thanksgiving, when we used my car to drive to my Mother-in-law's place.

As little as you buy gas, did you fill up only a portion of the tank?

GuitarStv

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Re: Mustachian People Problems (just for fun)
« Reply #9139 on: March 16, 2022, 09:30:05 AM »
Recently, on a very cold morning, I go out to my car for a trip to the bank to deposit a check only to find that my battery is very dead.  The car wonít start.  I decided the check can wait; Iím not interested in messing with jumper cables in sub-freezing temperatures.  This morning, in much warmer weather, I jumped the car and drove to the bank.  Once the battery got charged up itís running just fine.  I figure it was just discharged (plus the cold weather) rather than a bad battery.

How is this a mustachian people problem?  The last time I drove anywhere was four weeks ago.  Clearly, I need to use my car more. :-D

My battery went dead early on during the pandemic when I didn't drive anywhere for several months.  Now I make sure to run the car for 10 - 15 minutes every couple weeks.

Also worth remembering . . . gas will go bad.  If you're leaving the same gas in your tank for more than three or four months you need to add some fuel stabilizer to prevent the gas from changing into varnish and gumming up your engine.

MissNancyPryor

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Re: Mustachian People Problems (just for fun)
« Reply #9140 on: March 16, 2022, 10:35:33 AM »
Big fan of the NOCO Boost here, too.  I gave one to my daughters so they never have to ask for a jump.  I have used mine a couple times and it has completely paid for itself.   

For daily use I have a battery tender since I drive so little, that has been a very big help. 

MissNancyPryor

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Re: Mustachian People Problems (just for fun)
« Reply #9141 on: March 16, 2022, 10:42:43 AM »
I never answer telemarketing calls but recently I am responsible for about 60 people trying to join an athletic league so I have to pick up the phone.  I got a call from a brokerage asking me to let them manage my wealth, all the yadda yadda about how they are just totes awesome and can make a real difference for me.  I listened, bemused. 

I declined and told him I self-manage and have done very well.  He assured me I could do so much better.  I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

He ended it by saying if I knew anyone who wanted their awesome help to please refer them.  Sure.

Fielding calls from people who want to nick some of my money?  MPP.     

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #9142 on: March 16, 2022, 11:33:16 AM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

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Re: Mustachian People Problems (just for fun)
« Reply #9143 on: March 16, 2022, 11:48:49 AM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

I donít want your TV package thatís how the CIA gets their antennas into your brain

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #9144 on: March 16, 2022, 12:05:05 PM »
I never answer telemarketing calls but recently I am responsible for about 60 people trying to join an athletic league so I have to pick up the phone.  I got a call from a brokerage asking me to let them manage my wealth, all the yadda yadda about how they are just totes awesome and can make a real difference for me.  I listened, bemused. 

I declined and told him I self-manage and have done very well.  He assured me I could do so much better.  I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

He ended it by saying if I knew anyone who wanted their awesome help to please refer them.  Sure.

Fielding calls from people who want to nick some of my money?  MPP.
Amen to that! I get calls from people who want to buy my house(s). My answer varies, but it's mostly along the lines of, "If you worked hard to buy and fix up a house , would you sell it to someone just so they could make a profit re-selling it? They never have an answer, but one day a nice sounding young woman said, "No, I don't think I would." I hope she succeeds in life beyond her wildest imaginings.

Dave1442397

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Re: Mustachian People Problems (just for fun)
« Reply #9145 on: March 16, 2022, 12:24:45 PM »
If you want the battery to last you'll need to avoid letting it deeply discharge. Consider getting a battery maintainer if it's going to sit for long periods at a time.
Thanks for the reminder these exist. I had a much longer gap between drives recently resulting in a jumpstart & recovering health aside I donít foresee much more driving than Iíve been doing. If not for the pandemic (the impossibility of hiring a covid-attentive driver where I live) Iíd probably just sell the car.


I bought this Noco Genius 5 on Amazon last year - https://www.amazon.com/gp/product/B07W8KJH44/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1

My battery also died, but it wasn't staying charged. I checked, and it was exactly five years old. I put a new battery in and bought the battery tender to keep it in good condition. I've only put 49 miles on the car this year, and last time I got gas was Thanksgiving, when we used my car to drive to my Mother-in-law's place.

As little as you buy gas, did you fill up only a portion of the tank?

I always just fill it up. I usually don't let it get below a quarter full.

Plina

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Re: Mustachian People Problems (just for fun)
« Reply #9146 on: March 16, 2022, 02:29:17 PM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

I had someone trying to sell me three for the price of two: Internet, tv and IP-phone a couple of years ago. When I told them that I had not a tv or had used a regular phone for years, they quickly came to the conclusion it was not something for me. But the lack of a tv baffles a lot of people.

GreenSheep

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Re: Mustachian People Problems (just for fun)
« Reply #9147 on: March 16, 2022, 02:53:35 PM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

I had someone trying to sell me three for the price of two: Internet, tv and IP-phone a couple of years ago. When I told them that I had not a tv or had used a regular phone for years, they quickly came to the conclusion it was not something for me. But the lack of a tv baffles a lot of people.

Yep, similar experience here about 15 years ago when I was setting up internet and didn't want the internet/cable package due to not owning a tv. These days, I'm surprised there are still people who watch "regular" tv with commercials. Once in a while, someone refers to a commercial in conversation, and I always have no idea what they're talking about. Don't they know there are ways to watch almost anything without commercials?!

Plina

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Re: Mustachian People Problems (just for fun)
« Reply #9148 on: March 16, 2022, 03:38:53 PM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

I had someone trying to sell me three for the price of two: Internet, tv and IP-phone a couple of years ago. When I told them that I had not a tv or had used a regular phone for years, they quickly came to the conclusion it was not something for me. But the lack of a tv baffles a lot of people.

Yep, similar experience here about 15 years ago when I was setting up internet and didn't want the internet/cable package due to not owning a tv. These days, I'm surprised there are still people who watch "regular" tv with commercials. Once in a while, someone refers to a commercial in conversation, and I always have no idea what they're talking about. Don't they know there are ways to watch almost anything without commercials?!

My parents and grandparent watch regular tv so I would guess it is a generational thing. I canít even find something to watch on demand. I just got 3 months of free Apple TV and it was like meh. I finally found a nature program to watch while exercising but after those three months are over it is goodbye to Apple TV. Last time, I got a free offer I could not remember my Apple id password so I figured it was to much hassle to change it to bother.

The interesting thing is that I donít even ĒseeĒ the tvs in the hotelroom anymore. Somebody mentioned the tv in their room once and I had a hard time to remember if there was a tv in my room.

fuzzy math

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Re: Mustachian People Problems (just for fun)
« Reply #9149 on: March 16, 2022, 04:02:12 PM »
I told him I retired at 50.  He stopped talking for a moment cuz this answer was not in the script, yo. 

I had a similar issue with cable TV upsellers trying to get me to move from just internet to an internet and TV package. I had to explain in about five different ways that I don't want TV service because I don't WANT it. As in, I don't LIKE television and do not wish to watch it. No, I don't have a TV. No, I don't use streaming services. No, not even on a laptop. Or a tablet. Or a phone. Seriously. Then they would just be totally stumped, because I genuinely did not want to watch television but was too polite to hang up on them and they had no idea how to end the call.

I had someone trying to sell me three for the price of two: Internet, tv and IP-phone a couple of years ago. When I told them that I had not a tv or had used a regular phone for years, they quickly came to the conclusion it was not something for me. But the lack of a tv baffles a lot of people.

Yep, similar experience here about 15 years ago when I was setting up internet and didn't want the internet/cable package due to not owning a tv. These days, I'm surprised there are still people who watch "regular" tv with commercials. Once in a while, someone refers to a commercial in conversation, and I always have no idea what they're talking about. Don't they know there are ways to watch almost anything without commercials?!

My parents and grandparent watch regular tv so I would guess it is a generational thing. I canít even find something to watch on demand. I just got 3 months of free Apple TV and it was like meh. I finally found a nature program to watch while exercising but after those three months are over it is goodbye to Apple TV. Last time, I got a free offer I could not remember my Apple id password so I figured it was to much hassle to change it to bother.

The interesting thing is that I donít even ĒseeĒ the tvs in the hotelroom anymore. Somebody mentioned the tv in their room once and I had a hard time to remember if there was a tv in my room.

Is it Tiny World? My whole family loves it. Lots of dung beetles!