Recent Posts

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Everyone has neighborhood issues. I have a neighbor with a 23ish age kid who drags home cars, chops them up and sells the parts. It is a constant horror show of his diesel truck running for hours, Sawzall's, power equipment noises and the kid even has a fork lift over there. He makes so much racket and has tons of vehicles that are not registered or insured over there. We are close neighbors and don't want to rock the boat but this kid is pissing me off! The father of this kid has been a friend since before this kid was born. We just don't get it that the father allows this jerk head kid to do this crap. GRRRRRRRRR!!!


You see this as a problem....?

Yes, I see this as a problem considering it is a residential neighborhood and not commercial to do this kind of work. The noise he makes is obnoxious and I have to listen to it all day long in my house that I paid for. The kid is just a little bum who is doing this work on his daddy's property. He didn't pay one red cent to buy the land or the house he lives in and his father told us he can't get one red cent out of this kid for bills.

If they are not being driven on public roads, that bolded section there is wholly irrelevant (plus, I'd bet you a cookie that you don't actually know the registration or insurance status of his vehicles).

JLee you don't get it. I live in a residential neighborhood. This is not allowed by law. He has a bunch of junk ass vehicles over on his father's land. I am sure the vehicles are not registered. They all get hauled in on trailers or tow truck and get chopped up. I have to listen to this noise all day long and sometimes into the night. The kid will set up flood lights and work all night long at times.

If the kid had a building in a commercial part of town I would be happy for him. He could make a million dollars for all I care. But, If I want to sell my house one day and this jerk head kid is making a racket and his junky cars are all over the place, I am sure I will have a problem. At that point, I will have to do something but in the meantime I keep my trap shut and deal with it. I keep hoping this kid will grow up and move out of his father's house but that is very doubtful when he lives there for free and his father goes to work every day.
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I came across this article about a book published in 1960.  The ideas are very similar to what is preached in FIRE blogs.

https://www.forbes.com/sites/nextavenue/2017/09/03/5-ways-to-retire-without-money/amp/

BTW it is available on Amazon but it's kind of pricey.
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Throw Down the Gauntlet / Re: Mortgage Payoff Club!!
« Last post by Money Badger on Today at 08:47:50 PM »
Thanks y'all!   After 7 years of mortgage, still feels surreal like we were just released from the gates of debtors prison... but it's a really GOOD surreal feeling!
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Not only this, even with junk food there’s no actual excuse to be overweight. Weight is determined by calories in vs calories out. A person can stay just as skinny on fast food burgers and shakes as they can on chicken and rice.

Calories in versus calories out doesn't account for the physiological and psychological effects associated with different kinds of foods. So yes, it is calories in calories out for weight gain, but no, it isn't that simple because mind and body respond differently to different foods.

You’re 100% right. Unfortunately this is irrelevant because this issue is not isolated to the minimal people who are “only eating from gas stations.”
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Share Your Badassity / Fixed refrigerator instead of buying a new one
« Last post by nancy33 on Today at 08:46:38 PM »
Our milk went bad too fast. My husband jumped at the chance to get a fancy new refrigerator. He had today off and I was going to work. I was opposed to buying a new fridge and he was opposed to buying a used one. I threw a thermometer in the fridge on my way out the door and told my husband at least check the actual temp. Later he texted me that he fixed it! He cleaned the coils and something else and the temp went from 46 to 36 degrees!
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I don’t understand people can claim it’s too expensive to eat healthy when it’s actually often more expensive to eat junk.

Our chicken is $2/lb. rice is cheap, oatmeal is cheap. Eggs are cheap.

Fast food is way more expensive than cheap healthy food. A frozen pizza is like $5. You could get two lbs of chicken and a lb of rice for the same cost.

A lot of people really just have no self control and they would rather lie to themselves and others that it costs too much to eat healthy instead of taking responsibility.

Not only this, even with junk food there’s no actual excuse to be overweight. Weight is determined by calories in vs calories out. A person can stay just as skinny on fast food burgers and shakes as they can on chicken and rice.

not going to go into a huge rant about people in low income/rural areas and their access to food...but some people have convenience stores as their only option for food. In the south you'd be hard pressed to find many very healthy items on the shelves of a Circle K or 7 Eleven, and when there are things like eggs, rice, etc they are much more expensive than at a normal grocery store.

If these problems were even remotely segregated to rural areas with no grocery stores you’d have a point.

Unfortunately people with garbage diets and zero self control extend to people in every location at every income range. People making $250k often eat as poorly, if not worse, than people who make $30k.

Often people with food stamps have the exact same access to the healthy grocery store foods as anyone else. By so many statements here, you’d think that they all must make healthy, unprocessed choices.

That isn’t the case.

This is just another of many threads of people making excuses instead of taking accountability. I eat nearly the exact same making $300k a year as when I did making $40k. Even the same as when I was broke in college. It does not cost more.

Two of my wife’s good friends are single moms on food stamps. I’ve seen pictures of their groceries, they eat the really expensive versions of the food we buy.
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Investor Alley / Re: Vanguard Assistance
« Last post by deek on Today at 08:36:05 PM »
Before you do that, are you aware of the tax implications?

If you convert the entire pre-tax account to a Roth then the entire amount would be taxable as ordinary income.

Sorry, yes, I am - I should've clarified. But I opted to keep one tIRA and one Roth. Tax advantages for the short and long term. I will contribute until I reach that $3000 minimum so I can pick and choose where it goes. Are there other options that don't require a $3000 minimum that are smarter than keeping it in a money market?

I bought an index with the existing funds (the tIRA) so we're good there.
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Throw Down the Gauntlet / Re: 50 Books in 2019!
« Last post by Dollar Slice on Today at 08:33:40 PM »
1. Laini Taylor - Strange the Dreamer
2. JK Rowling - Fantastic Beasts: The Crimes of Grindelwald - The Original Screenplay
3. Drew Hayes - Siege Tactics
4. Charlie Holmberg - Smoke & Summons
5. Barry Eisler - The Killer Collective
6. Sarah Andersen - Adulthood Is A Myth
7. Lydia Kang - A Beautiful Poison

Another Amazon Prime freebie, but I really liked this one! A well-written murder mystery with plenty of tragedy (set during WWI/the Spanish flu epidemic, in addition to the murders) but it was kept light enough not to be too depressing. Kind of. I mean, a lot of really terrible things happened. I might just be getting inured to this sort of thing in fiction :-/
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Post-FIRE / Re: First job during FIRE?
« Last post by Montecarlo on Today at 08:33:37 PM »
Thanks all!
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Ask a Mustachian / Re: Help: College student unsure of what to do???
« Last post by Radagast on Today at 08:32:43 PM »
I did not learn about the FIRE way of life until I was 30, and I don't really regret it. If you need to work in a cubicle for a decade of your life I don't vote the 20s as the best decade for that. The broader point is, yes absolutely get a summer job and stay out of debt. I did that and saved a few extra thousand beside, and as soon as I graduated it allowed me to take a few extra years off to travel the planet, followed by a couple years of working with hobbies.

With hindsight, I could have been employed and investing throughout the 2008 crises which it looks like would have given me $800,000 or more right now. Do I wish I had kept my head down and worked and scrimped my 20's away? Honestly not really, it seems like the 30s and 40s are more suited for that. So definitely kill debt, and save money. But also live.

BTW UNR grad too. 10 years ago.
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