Author Topic: Mustachian People Problems (just for fun)  (Read 1848029 times)

CptCool

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Re: Mustachian People Problems (just for fun)
« Reply #4250 on: October 06, 2017, 08:36:22 AM »
I have been gradually shifting my schedule to work more days from home and now I have to find a cell plan with more minutes because of all the conference calls.  I went from a $10/mo plan to $20/mo and now it looks like I'm going to need a $30/mo plan.  I guess an extra $20/mo is a small price to pay to be able to knit during conference calls and do chores during downtime.

You should get obihai and pair it with google voice. This service is free other than initial purchase price of $30-70 for the obihai. I've done it for myself, my parents, and my grandparents. You can't even tell it's a VOIP phone and you can transfer your home phone number to google voice if you don't want to lose it.

Erma

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Re: Mustachian People Problems (just for fun)
« Reply #4251 on: October 06, 2017, 11:13:11 AM »
I always brought and still bring my lunch to work. It seems to have worked as an example for my co-workers as a lot of them now also bring their lunch daily. The problem: The refrigerator is very small and it gets more and more difficult to put the food in there.

Marley09

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Re: Mustachian People Problems (just for fun)
« Reply #4252 on: October 06, 2017, 12:36:31 PM »

A surprising amount of people don't understand that your tax liability and your withholding/returns are completely separate things.

I can't tell you the number of times I've advised someone to invest in an IRA while touting the tax benefits, and they can't comprehend how it lowers their taxes. 

"But I've already paid taxes on that money.  How does it help if I put $5,500 into an IRA?"
"No you didn't pay taxes, you had estimated taxes withheld.  You don't actually calculate and pay your taxes for this year until early next year.  You subtract your IRA contributions from your AGI so you don't end up paying taxes on that portion, and you square up with the IRS at that time."
*Blank stare*
"But I've already paid taxes on that money.  They took it out of my paycheck."

Is this Roth or Traditional IRA?  I was under the impression that the IRA deduction line for AGI on the 1040 was for traditional IRA reporting only.  Am I missing a deduction with my Roth IRA contribution?

-Marley

frugalnacho

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Re: Mustachian People Problems (just for fun)
« Reply #4253 on: October 06, 2017, 12:46:17 PM »

A surprising amount of people don't understand that your tax liability and your withholding/returns are completely separate things.

I can't tell you the number of times I've advised someone to invest in an IRA while touting the tax benefits, and they can't comprehend how it lowers their taxes. 

"But I've already paid taxes on that money.  How does it help if I put $5,500 into an IRA?"
"No you didn't pay taxes, you had estimated taxes withheld.  You don't actually calculate and pay your taxes for this year until early next year.  You subtract your IRA contributions from your AGI so you don't end up paying taxes on that portion, and you square up with the IRS at that time."
*Blank stare*
"But I've already paid taxes on that money.  They took it out of my paycheck."

Is this Roth or Traditional IRA?  I was under the impression that the IRA deduction line for AGI on the 1040 was for traditional IRA reporting only.  Am I missing a deduction with my Roth IRA contribution?

-Marley

Traditional. That impression is correct. No, roth contributions do not get deducted.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4254 on: October 06, 2017, 12:56:37 PM »
I always brought and still bring my lunch to work. It seems to have worked as an example for my co-workers as a lot of them now also bring their lunch daily. The problem: The refrigerator is very small and it gets more and more difficult to put the food in there.

My office doesn't have a fridge. Ice packs are pretty good however.

Dollar Slice

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Re: Mustachian People Problems (just for fun)
« Reply #4255 on: October 06, 2017, 01:11:04 PM »
I always brought and still bring my lunch to work. It seems to have worked as an example for my co-workers as a lot of them now also bring their lunch daily. The problem: The refrigerator is very small and it gets more and more difficult to put the food in there.

My office doesn't have a fridge. Ice packs are pretty good however.

This reminds me of the time I was grumbling a little about not being able to keep ice packs at work (because no fridge/freezer) for an injury I had, and my boss suggested I buy a cooler and a pile of ice packs and chill them down every night and carry it all to work and back every day (on the rush-hour NYC subway... five flights of stairs each way). She is not a very efficient person.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4256 on: October 07, 2017, 06:09:28 PM »
I will quit my job on Jan. 2 , 2018 but since my boss is super-ultra nice, I donīt know how I will do it (speech line I will use)...

Keep it short and to the point:

https://en.wikipedia.org/wiki/Letter_of_resignation#/media/File:Letter_of_Resignation_of_Richard_M._Nixon,_1974.jpg

No explanations, no bullshit, no long goodbyes.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4257 on: October 07, 2017, 06:11:17 PM »

A surprising amount of people don't understand that your tax liability and your withholding/returns are completely separate things.

I can't tell you the number of times I've advised someone to invest in an IRA while touting the tax benefits, and they can't comprehend how it lowers their taxes. 

"But I've already paid taxes on that money.  How does it help if I put $5,500 into an IRA?"
"No you didn't pay taxes, you had estimated taxes withheld.  You don't actually calculate and pay your taxes for this year until early next year.  You subtract your IRA contributions from your AGI so you don't end up paying taxes on that portion, and you square up with the IRS at that time."
*Blank stare*
"But I've already paid taxes on that money.  They took it out of my paycheck."

Is this Roth or Traditional IRA?  I was under the impression that the IRA deduction line for AGI on the 1040 was for traditional IRA reporting only.  Am I missing a deduction with my Roth IRA contribution?

-Marley

Traditional. That impression is correct. No, roth contributions do not get deducted.

Roth does count for the Saver's Credit. Which is helpful.

AnnaGrowsAMustache

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Re: Mustachian People Problems (just for fun)
« Reply #4258 on: October 07, 2017, 10:43:12 PM »
I will quit my job on Jan. 2 , 2018 but since my boss is super-ultra nice, I donīt know how I will do it (speech line I will use)...

Keep it short and to the point:

https://en.wikipedia.org/wiki/Letter_of_resignation#/media/File:Letter_of_Resignation_of_Richard_M._Nixon,_1974.jpg

No explanations, no bullshit, no long goodbyes.


Hahahahaha, that's awesome. I'm going to resign as soon as my new position is signed and sealed. Now I'm googling famous resignation letters and I think I might just copy and paste.

secondcor521

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Re: Mustachian People Problems (just for fun)
« Reply #4259 on: October 07, 2017, 10:55:36 PM »
I will quit my job on Jan. 2 , 2018 but since my boss is super-ultra nice, I donīt know how I will do it (speech line I will use)...

Keep it short and to the point:

https://en.wikipedia.org/wiki/Letter_of_resignation#/media/File:Letter_of_Resignation_of_Richard_M._Nixon,_1974.jpg

No explanations, no bullshit, no long goodbyes.


Hahahahaha, that's awesome. I'm going to resign as soon as my new position is signed and sealed. Now I'm googling famous resignation letters and I think I might just copy and paste.

I just realized that letter is really good reason to never give more than 2 weeks notice.  I mean, the President left his job without even 2 weeks' notice.  (Yeah, I know the writing was on the wall, but still....)

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #4260 on: October 08, 2017, 06:35:49 AM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #4261 on: October 08, 2017, 09:34:40 AM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?

Blue Cash Preferred or something else? AF? If it is an Amex, is it a charge card, or credit card?

My MPP is getting close to the limit on the # of credit cards Amex will let me have. Need to shift over to charge cards so that I can get more juicy signup bonuses.

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #4262 on: October 08, 2017, 11:01:09 AM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?

Blue Cash Preferred or something else? AF? If it is an Amex, is it a charge card, or credit card?

My MPP is getting close to the limit on the # of credit cards Amex will let me have. Need to shift over to charge cards so that I can get more juicy signup bonuses.

The grocery card is a Amex Blue Cash Preferred credit card, yeah - $75 for me for every person referred.  My Discover It card has a $50 bonus for both of us and they match reward points 1:1 at the end of the first year.  I definitely got a referral from someone on the forums for that one :).  Chase Freedom Unlimited is $100 for me, $150 on $500 in spending for them. 

DH is resistant to opening up new cards or bank accounts for bonuses, so I kind of do it slowly.  I've got a First Bank Anytime account that I need to close this month with a $200 bonus, and I'm just going to shift it all to a Blue Federal Credit Union account that returns 5% on up to $1000.  Why not?  Otherwise it is going to sit in our checking account, or at best in Ally at 1.2% interest.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4263 on: October 08, 2017, 01:06:59 PM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?
What credit card do you use to get 6% on groceries?  Asking as a father of six...

chaskavitch

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Re: Mustachian People Problems (just for fun)
« Reply #4264 on: October 08, 2017, 02:45:55 PM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?
What credit card do you use to get 6% on groceries?  Asking as a father of six...

American Express Blue Cash Preferred (say, I've got a referral if you want it :). 

There is a $95/yr fee, but if you max out the grocery rewards with $6000 of grocery purchases a year, it is definitely worth it to pay the fee over getting 3% on the regular (free) Blue Cash card.  After that first $6000, you still get 1% back. 

Make sure your most-used store is included - they don't count stores like Target and Walmart and Costco.  King Soopers, Sprouts, Trader Joes, Safeway, etc, are all definitely categorized as "grocery".  We don't have Aldi here, so I can't tell you one way or the other.  Also make sure your store takes AmEx.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4265 on: October 08, 2017, 03:19:43 PM »
I have three credit cards with decent referral bonus programs, for both myself and the person being referred. I don't know anyone (in person) who likes to juggle credit card rewards like I do, so the few people I've mentioned it to say things like "Oh, no, I only use one credit card so I don't get myself into trouble", or "That's way too many things to remember - why do you use different cards for groceries, restaurants, and everything else?".  Le sigh.  Why wouldn't you want a free $250 on $1000 of purchases AND 6% back on groceries?
What credit card do you use to get 6% on groceries?  Asking as a father of six...

American Express Blue Cash Preferred (say, I've got a referral if you want it :). 

There is a $95/yr fee, but if you max out the grocery rewards with $6000 of grocery purchases a year, it is definitely worth it to pay the fee over getting 3% on the regular (free) Blue Cash card.  After that first $6000, you still get 1% back. 

Make sure your most-used store is included - they don't count stores like Target and Walmart and Costco.  King Soopers, Sprouts, Trader Joes, Safeway, etc, are all definitely categorized as "grocery".  We don't have Aldi here, so I can't tell you one way or the other.  Also make sure your store takes AmEx.
Ah, good to know.  Most of our groceries come from Walmart, although ever since they ended their price matching policy, we've been getting our produce from Aldi (which is right across the street).

firelight

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Re: Mustachian People Problems (just for fun)
« Reply #4266 on: October 08, 2017, 06:56:38 PM »
I got a merchandise return card from target for returning a gift for my kid's birthday. The value is $60 but I don't have much to buy in Target. So I'm not sure how long I should keep this card to use up that $60.

I can't transfer or sell or cash it out.

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #4267 on: October 08, 2017, 07:47:35 PM »
Just today, convo was talking about a normal size house in the HCOL area on the west coast is like $1M. So, into the calc is goes...

1,000,000 @ 30 years @ 4%
= $4774.15/mo payment, make min payments and pay an extra $718,695.06 in interest!!!
= If round up to an even $5k/mo, it saves you $68,000 and knocks 2.5 years off the loan.

1,000,000 @ 15 years @4%
= $7,396.88/mo payment, pay saves $387,257 in interest!

Damn, I simply cannot imagine paying that kind of money for a house - much less borrowing it and paying interest!

I must be spoiled because I can buy a nice house for less than $80k (retail price), and a really nice one for less than $230,000.

That $387,257 saved in interest in the example above?  That's less than the SUM of 5 of the 6  houses I've bought in my city. 

Fresh Bread

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Re: Mustachian People Problems (just for fun)
« Reply #4268 on: October 08, 2017, 08:34:39 PM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4269 on: October 09, 2017, 01:55:31 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4270 on: October 09, 2017, 04:43:13 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)
The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

Fresh Bread

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Re: Mustachian People Problems (just for fun)
« Reply #4271 on: October 09, 2017, 04:53:43 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)
The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

The picture is amazing.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4272 on: October 09, 2017, 05:55:00 AM »
Just today, convo was talking about a normal size house in the HCOL area on the west coast is like $1M. So, into the calc is goes...

1,000,000 @ 30 years @ 4%
= $4774.15/mo payment, make min payments and pay an extra $718,695.06 in interest!!!
= If round up to an even $5k/mo, it saves you $68,000 and knocks 2.5 years off the loan.

1,000,000 @ 15 years @4%
= $7,396.88/mo payment, pay saves $387,257 in interest!

Damn, I simply cannot imagine paying that kind of money for a house - much less borrowing it and paying interest!

I must be spoiled because I can buy a nice house for less than $80k (retail price), and a really nice one for less than $230,000.

That $387,257 saved in interest in the example above?  That's less than the SUM of 5 of the 6  houses I've bought in my city.
And those numbers are conservative.  Usually interest rates on 15-year mortgages are lower than those on 30-year mortgages.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #4273 on: October 09, 2017, 06:09:34 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)

I have travelled a few times in the area roughly between Berlin and Prague and it was very, very tempting to buy there. I would love to live somewhere rurally with not that much to do. I have always loved Germany. But that was mostly dreaming. In reality, if we ever move to Germany it will probably be to Niedersachsen (I'm Dutch). Maybe not as cheap, but still a lot of value for your money compared to the NL. What we are looking for in the future is a property with a bit of land and land is extremely expensive in here.

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4274 on: October 09, 2017, 06:56:52 AM »

The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

Including a spelling mistake in the title of the advertisement.

But this is exactly what we are planning to to after FIRE. Move out into the country to some really cheap place. Preferably somewhere near the ocean. But we count on being able to buy a decent house for 30% of what our current house costs.

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #4275 on: October 09, 2017, 01:14:52 PM »
Just today, convo was talking about a normal size house in the HCOL area on the west coast is like $1M. So, into the calc is goes...

1,000,000 @ 30 years @ 4%
= $4774.15/mo payment, make min payments and pay an extra $718,695.06 in interest!!!
= If round up to an even $5k/mo, it saves you $68,000 and knocks 2.5 years off the loan.

1,000,000 @ 15 years @4%
= $7,396.88/mo payment, pay saves $387,257 in interest!

Damn, I simply cannot imagine paying that kind of money for a house - much less borrowing it and paying interest!

I must be spoiled because I can buy a nice house for less than $80k (retail price), and a really nice one for less than $230,000.

That $387,257 saved in interest in the example above?  That's less than the SUM of 5 of the 6  houses I've bought in my city.
And those numbers are conservative.  Usually interest rates on 15-year mortgages are lower than those on 30-year mortgages.

If by conservative you mean those numbers look high....yeah. Rates on a 15 are closer to 3.125 than to 4. APR is going to be a bit higher than 3.125. 30 year APR is still under 4.

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #4276 on: October 09, 2017, 02:50:05 PM »
Just today, convo was talking about a normal size house in the HCOL area on the west coast is like $1M. So, into the calc is goes...

1,000,000 @ 30 years @ 4%
= $4774.15/mo payment, make min payments and pay an extra $718,695.06 in interest!!!
= If round up to an even $5k/mo, it saves you $68,000 and knocks 2.5 years off the loan.

1,000,000 @ 15 years @4%
= $7,396.88/mo payment, pay saves $387,257 in interest!

Damn, I simply cannot imagine paying that kind of money for a house - much less borrowing it and paying interest!

I must be spoiled because I can buy a nice house for less than $80k (retail price), and a really nice one for less than $230,000.

That $387,257 saved in interest in the example above?  That's less than the SUM of 5 of the 6  houses I've bought in my city.
And those numbers are conservative.  Usually interest rates on 15-year mortgages are lower than those on 30-year mortgages.

If by conservative you mean those numbers look high....yeah. Rates on a 15 are closer to 3.125 than to 4. APR is going to be a bit higher than 3.125. 30 year APR is still under 4.
Sorry, I meant that the $387,257 is smaller than reality. 

pdxmonkey

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Re: Mustachian People Problems (just for fun)
« Reply #4277 on: October 09, 2017, 07:28:27 PM »
OK, right, that makes sense. Given a 30 yr at 4% the 15 would likely be lower and in the comparison it isn't.

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #4278 on: October 10, 2017, 11:38:11 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)
The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

I like this idea!  I can just picture an old farmer talking to his great-grandchildren:
"Back in my day, we walked uphill to school both ways, through driving snow!  And civilization was so far away that if we wanted crime we had to commit it ourselves!  We were told that crime in this area was to be one occurrence per hundred people per year, so every New Year's Eve I would go steal your great-uncle Bob's prize pig, and on New Year's Day he would come take it back.  Times were hard."

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #4279 on: October 11, 2017, 11:04:01 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)
The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

I like this idea!  I can just picture an old farmer talking to his great-grandchildren:
"Back in my day, we walked uphill to school both ways, through driving snow!  And civilization was so far away that if we wanted crime we had to commit it ourselves!  We were told that crime in this area was to be one occurrence per hundred people per year, so every New Year's Eve I would go steal your great-uncle Bob's prize pig, and on New Year's Day he would come take it back.  Times were hard."

Usually, in those mountains, they stuck to making moonshine. Everybody knew about it, and not even the police cared unless you started peddling bad product to underage kids (younger than 14). I'm certain the buyer of that farm will find some weirdly bent metal pipes in the basement or barn.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #4280 on: October 12, 2017, 07:19:26 AM »
That blows my mind Swordguy. Is it nice where you live? Stuff to do, low crime etc? You can't get a parking space in Sydney for 80k!
Come to eastern Germany. Low crime yes, stuff to do... well...

But here you might get a castle for 80K ;)
The maintenance on a castle is not cheap. Come to rural Norway, where you can get a farm for 80k: https://www.finn.no/realestate/homes/ad.html?finnkode=96725057&fks=96725057

It is in the middle of the forest, so zero crime unless you commit it yourself. Plenty of stuff to do: it is not easy to grow anything on these farms, so you'll never run out of work. Plenty of parking space too.

I like this idea!  I can just picture an old farmer talking to his great-grandchildren:
"Back in my day, we walked uphill to school both ways, through driving snow!  And civilization was so far away that if we wanted crime we had to commit it ourselves!  We were told that crime in this area was to be one occurrence per hundred people per year, so every New Year's Eve I would go steal your great-uncle Bob's prize pig, and on New Year's Day he would come take it back.  Times were hard."

Usually, in those mountains, they stuck to making moonshine. Everybody knew about it, and not even the police cared unless you started peddling bad product to underage kids (younger than 14). I'm certain the buyer of that farm will find some weirdly bent metal pipes in the basement or barn.

That area is gorgeous! I can totally see turning one of those farms into a working farm/retreat centre/bed and breakfast. Unless it's like, an 8-hour drive away from civilization or something...which I can't tell because I don't know Norway's geography at all.

I guess that illustrates my MPP - other people find it annoying when I automatically try to optimize any situation. Live in an out of the way, rural place with gorgeous scenery? Start an AirBnB business! Complaining about low paying job? Get a side hustle tutoring wealthy kids!

Fresh Bread

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Re: Mustachian People Problems (just for fun)
« Reply #4281 on: October 21, 2017, 07:01:09 PM »
When people try to book me via my business (offering clown like outsourced services to the wealthy) I often point them to lower cost solutions that don't involve paying me $$$$.

Lews Therin

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Re: Mustachian People Problems (just for fun)
« Reply #4282 on: October 22, 2017, 10:09:02 AM »
Talking about money with my neighbors, they said that they love their financial advisor, as he returned 10-12k on 500k invested. I gently showed them the 4% rule, and that the advisor pretty much has been cutting their returns in half (MER 2%+.. yay canada)

Luckyvik

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Re: Mustachian People Problems (just for fun)
« Reply #4283 on: October 22, 2017, 06:54:46 PM »
I walked past a car show room yesterday and I have no desire for one as I know most people driving new cars have car payments


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LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #4284 on: October 23, 2017, 12:37:18 AM »
I always get angry when I find advertisement in the post, because A) I won't buy anythign of that anyway, so it is wasting my time, and B) all the trees! All the color! Poor little earth!!!

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #4285 on: October 23, 2017, 05:01:47 AM »
My s/o's company provided their employees with porcelain to go coffee mugs (with a resuable silicone lid) with the company logo on them.

He chose the pink one because no one else wanted to be seen with a pink mug and now he's never in doubt which coffee is his.

I have a couple of male friends who only buy pink cigarette lighters for that reason. No-one will nick them.

When my dad was in the Air Force his scissors kept disappearing.  So he took my Hello Kitty scissors in.  Never had another issue.

I work in a male dominated field.  All my things I want not to get "lost" has Hello kitty duct tape on it.

I had mugs with Dora on it at my last internship. Everyone kept asking me why I didn't bring something nicer, but they never got stolen. Plus I got them for free in the first place as they were leftovers from the candystore where my mom worked.

Uturn

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Re: Mustachian People Problems (just for fun)
« Reply #4286 on: October 23, 2017, 08:38:43 AM »
Last week I sold my truck for $10k, and my car for $9k, then bought a used crossover that combines the features that I need from both.  I now have only one vehicle and pocketed some cash, but I still feel like I just spent $15k. 

kaypinkHH

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Re: Mustachian People Problems (just for fun)
« Reply #4287 on: October 23, 2017, 10:02:21 AM »
I have no errands to run at lunch time because I don't have anything I need to buy, so I stay on my computer over lunch break, instead of actually leaving the office.

solon

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Re: Mustachian People Problems (just for fun)
« Reply #4288 on: October 23, 2017, 10:22:16 AM »
I have no errands to run at lunch time because I don't have anything I need to buy, so I stay on my computer over lunch break, instead of actually leaving the office.

+1000

I'm stuck at work, behind a desk, while all my co-workers head to Wendy's, Subway, Chipotle, Carl's Jr, etc. I don't spend any money, but don't get much exercise either :(

Dicey

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Re: Mustachian People Problems (just for fun)
« Reply #4289 on: October 23, 2017, 10:22:46 AM »
I have no errands to run at lunch time because I don't have anything I need to buy, so I stay on my computer over lunch break, instead of actually leaving the office.
Hmmm, could you increase your fitness by taking a walk/run/quick workout? Could you provide comfort by using the time to compose a letter to someone who's lonely? Could you call a friend or relative just to chat? There probably are many things you could do that involve little or no money, brighten your outlook and make you more productive at work. For some reason, your reply just strikes me as sad.

kaypinkHH

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Re: Mustachian People Problems (just for fun)
« Reply #4290 on: October 23, 2017, 10:35:13 AM »
Oops, sorry didn't mean it to be sad. You are totally correct, I could go for a walk (although I will admit an industrial park with no sidewalks takes some motivation...and I'm extra lazy today), it was more so that I saw all my coworkers leaving the office to BUY things (lunch/coffee/household items), that I have no need to buy! I used my lunch break to get caught up on forums and chat with some friends via google hangouts. It was lovely.

Sibley

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Re: Mustachian People Problems (just for fun)
« Reply #4291 on: October 23, 2017, 11:42:30 AM »
Last week I sold my truck for $10k, and my car for $9k, then bought a used crossover that combines the features that I need from both.  I now have only one vehicle and pocketed some cash, but I still feel like I just spent $15k.

Technically, you did. In accounting terms, that was 3 separate transactions. Sale of the truck, sale of the car, and purchase of the crossover. Congrats on the net cash out :)

Free Spirit

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Re: Mustachian People Problems (just for fun)
« Reply #4292 on: October 26, 2017, 10:00:58 AM »
Captain's Log:

Thursday, 26th of October, 2017

Current Weather: Sunny and full of false hope.

Alert Status: Defcon Pumpkin Spice

The situation has turned dire. Temperatures have dropped below the 70 degree point and are declining rapidly. I fear the crew may stage a mutiny.

Actions:

The kettle has been switched to: ON

I've begun my research into all recipes requiring at least a 400 degree oven.

All fuzzy slippers have been properly Febreezed.

I have a snuggie in my Amazon shopping cart.

Notes:

  I can hear the faint song of the siren space-heater calling to me, promising warmth and comfort but I must resist...
                                                 
                              the sound grows louder with each passing moment...
                     
                                                        it won't be long now....

With This Herring

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Re: Mustachian People Problems (just for fun)
« Reply #4293 on: October 26, 2017, 03:20:44 PM »
Current Weather: Sunny and full of false hope.

*snickers*

FI4good

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Re: Mustachian People Problems (just for fun)
« Reply #4294 on: October 26, 2017, 03:42:10 PM »
Been frugal with the town gas and electricity and had forgotten to adjust my hastily guessed direct debit amount with a new supplier in june.
I have just submitted utility readings and now i'm Ģ500 in surplus. Oops ! 

Linda_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #4295 on: October 27, 2017, 01:17:58 AM »

I have a snuggie in my Amazon shopping cart.


There I learned about a new object today.

Personally I use a very thick old fashioned blanket when I am cold in the living room. That makes me warm in no-time.

RWD

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Re: Mustachian People Problems (just for fun)
« Reply #4296 on: October 27, 2017, 08:28:59 AM »

I have a snuggie in my Amazon shopping cart.


There I learned about a new object today.

Personally I use a very thick old fashioned blanket when I am cold in the living room. That makes me warm in no-time.

My parents got each other Snuggies for Christmas several years ago. I've never seen them use them.

Bracken_Joy

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Re: Mustachian People Problems (just for fun)
« Reply #4297 on: October 27, 2017, 08:49:22 AM »
So I've truly never understood... why not just turn a robe around? Then tada, you have a blanket with sleeves. Am I missing something? I've had friends with snuggies (and they both also owned fluffy robes). I just don't get it.

Free Spirit

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Re: Mustachian People Problems (just for fun)
« Reply #4298 on: October 27, 2017, 09:45:42 AM »
I bought my little brother a snuggie one year as a joke (mostly out of curiosity on my part) and yeah, I don't get it. It was funny for about 5 minutes but that's probably because the commercials were so ridiculous. I tried it on and immediately had a claustrophobic attack so I won't really be buying one. ;)

solon

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Re: Mustachian People Problems (just for fun)
« Reply #4299 on: October 27, 2017, 09:51:10 AM »
A bet a two-person snuggie would be a lot of fun. Might even forget about the claustrophobia.