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10 days vacation - This increases every few years until it maxes out at 20 days when you have 18+ years of service with the company.  Unused days rollover until you have accrued double the amount you get per year, at which point you stop accruing until you use some days.

10 days sick leave - This doesn't increase with additional years of service.  At the end of the year, you lose 50% of unused sick days, and the other 50% rolls over.  If you accumulate 20 days, you stop accruing until you use some days.

12 holidays

We also have a pretty liberal policy when it comes to flexing days.  We can usually take a day off without using a vacation day if we make up the hours missed on that day over the course of the rest of the days during that same pay period (two week pay period).  Flexing days is up to your manager's discretion.  I have never had a manager refuse a flexed day request, but I have heard some managers don't like to let their employees flex days.
I think there can be this wonderful feeling of "home" and "safe" when first finding Mustachianism: I've certainly had it.  Some people do drink the Kool-Aid for the first few weeks and months, follow the method precisely and proselytise to friends and family (with mixed success).  Others ease into it gently with progressive change.  And for all of us, the starting and end points are unique to our own situations.

I was already 3 years retired when I found Mustachianism.  For me, it hasn't changed the fundamentals and I don't think it will: I'm happily retired, never had debt except for mortgages, and live a relatively frugal life (brought up by parents who lived through the Great Depression and war time rationing).  I've made some adjustments to daily life (cutting my own hair has been a big win for me in many ways).  A bigger change is the stuff on investment: so far all my money has been in real estate and a pension, but when the current upgrade to my home is finished, I'll be investing tax free in low-cost index funds, for the first time ever.

Being mindful about what we do, learning new skills with money and not trashing the planet are Mustachianisms which are applicable to all of us in our own ways.
Mini Money Mustaches / Re: What do your mini mustaches eat?
« Last post by T-Rex on Today at 01:12:38 AM »
Disclaimer: I'm not a parent, but I can give you the outsider's point of view...  Whenever I heard parents complain something like "my child only eats french fries", I hear it as "I only feed my child french fries" because regardless of how it ends up happening, that is what's happening. Growing up, we all just ate the same meals together.

That's definitely not what's happening here!  I give my best effort to feed him everything.   I offer up all kinds of foods, and am constantly trying new recipes for him.  He flat out refuses to eat anything he doesn't want to.  To the point where he's screaming and yelling and then throwing up.  So that may be the case in some instances, but it's really not here.   Although, I do have to say, the number of people who have told me, "Just feed him cereal bars and he'll grow out of it.  He won't starve." is astounding and that attitude baffles me.  My son is *extremely* strong-willed and stubborn.  My mom calls him "little CEO" and I call him "little dictator" (jokingly and lovingly, of course).  We've tried *everything* to get him to eat.  Even with a lunchbox full of his favorites, he will come home from daycare having eaten nothing, or sometimes just a couple oz of yogurt and a cup of milk.  I'm completely perplexed.

Have you considered not offering him choices? It sounds really unpleasant to deal with the tantrums, but it sounds like he is successfully testing and training you. Maybe you can make only dishes that have many things combined, so he can't refuse all but one ingredient. Or pack lunches with smaller portions if he is able to make eat through the day eating only the usual amount of yogurt and milk. It is enticing to eat things besides your favorite foods when you're actually hungry and out of options.

You might like this 4 year old restaurant reviewer...
Mm, what a yummy thread <3

Seriously, thank you guys for these recipes. I am especially excited to try these tortillas, and I've been meaning to make yoghurt for a while.

It seems like people are going back and forth about the cheese making, though. As someone who loves Brie/San Andre, I really do wonder if fancy cheeses like that might be cost-effective to make?
Welcome and General Discussion / Re: Long Term Care Insurance
« Last post by castoriehandley93 on Today at 12:58:39 AM »
I can see that the major problem is the mentality of I-am-struggling-why-would-I-even-buy-such-an-expensive-insurance-policy. Well, there's no blame in that. People will always prioritize what they deem is important, and in this case, purchasing long-term care insurance. Companies such as AARP I heard are okay so I think that your guy will do just fine. Afterall, its peace of mind that he is truly seeking here.
Ask a Mustachian / Re: Investing in stock index funds in Holland.
« Last post by Silvie on Today at 12:56:15 AM »
Check out Meesman ( They offer Vanguard through a few funds. They also seem to be one of the cheapest, if not the the cheapest. I am planning to invest with them as soon as I can :)
0.71% for a passively managed index fund? 
that is super-expensive. 

with 20 seconds of searching, I found a canadian index Exchange-Traded-Fund with a MER of 0.09%


I think that is the difference between a "Mutual Fund" and a "Exchange-Traded Fund" ??
Ask a Mustachian / Re: Cheap Canadian cell phone plan?
« Last post by strider3700 on Today at 12:54:12 AM »
Not sure what the ISP situation is like in Montreal but on the west coast Shaw is everywhere and when you get a home line you can register your phone/tablet for their wifi and have coverage in tons of places.  Cell plans are so bad I don't have a phone and just use my tablet on wifi.  Very rare that I can't get a connection.
Ask a Mustachian / Re: Investing in stock index funds in Holland.
« Last post by Iconoclast on Today at 12:51:18 AM »
Sign up with Binck, ABN or one of the other online brokers. They offer all the ETFs. I'm not sure how the tax system works with Vanguard, which is based in the US. There are comparable low-cost ETFs in Europe.
Wow, serious congratulations!!

One quick question - what is the Kill-A-Watt survey?
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