Author Topic: Mustachian People Problems (just for fun)  (Read 2396996 times)

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #6100 on: March 09, 2019, 05:59:24 AM »
Incidentally, a tisane doesn't have to be made of the leaf of the plant, berries, seeds, bark, etc are also used (e.g. rosehips, cinnamon, allspice)

I hereby retract my incorrect use of "hot leaf water".

Lol. Just call it all an infusion and be done with it. I'll be over here with my bean-water giggling.

Where is the distinction between infusions and bean-water, anyway, if seeds like cardamom and nutmeg make infusions and coffee beans are actually seeds? :P

I like my water orange and foamy.

Aww, come on, bean-water was funny.


Now I want my morning bean water.


Also I refer to all such things as "infusion" if I'm describing a medicinal use and "tea" if not. Doesn't matter if I'm making with leaves, berries, roots, or bark. "Tisane" doesn't occur in my dialect.


Some of the best orange foamy water is Nehi, either peach or orange flavor. Can't much find it around here.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6101 on: March 09, 2019, 07:14:01 AM »

I like my water orange and foamy.

This is referred to as black tea

solon

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Re: Mustachian People Problems (just for fun)
« Reply #6102 on: March 09, 2019, 02:23:50 PM »

I like my water orange and foamy.

This is referred to as black tea

Did you know black tea is really orange pekoe?

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6103 on: March 09, 2019, 02:29:25 PM »

I like my water orange and foamy.

This is referred to as black tea

Did you know black tea is really orange pekoe?
It gets black when it is flown in a parabolic flight at 12000 meters.

The Keen Saver

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Re: Mustachian People Problems (just for fun)
« Reply #6104 on: March 11, 2019, 03:55:52 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6105 on: March 11, 2019, 07:21:32 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

I totally understand that you love walking to work, but I am a Mustachian.
I walk to work once or twice a week, although I use a lot more time than you do. My distance is further than yours and in the winter it takes even more time because I walk partly through a forest path that is not cleared of snow. It is also icy on the roads the rest of the route. So I use spike soles under my shoes. I use 1:10 hour in summer and 1:30 hour in winter, each way. Because it takes so much time, I don't do it every day. As I get sweaty when I do it, I also need to change clothes when I arrive. So I wear sports clothes while walking.

I also love listening to podcasts while I walk. The walking is a bit of me-time, and in my case partly through some green areas, which is good for my soul.

I often walk on days when the weather is nice, so that I get to see some sunlight. But also on days that I expect there to be snow chaos on the roads. It is so nice to avoid being a part of that chaos.

Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #6106 on: March 11, 2019, 09:57:46 AM »
Did you know black tea is really orange pekoe?

Best.  Comment.  Ever.   

:)

bluebelle

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Re: Mustachian People Problems (just for fun)
« Reply #6107 on: March 11, 2019, 03:43:58 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #6108 on: March 11, 2019, 04:40:34 PM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.


Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6109 on: March 12, 2019, 12:23:18 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.

I've tried that too, but it seems nobody likes walking to and from work. If you like walking you book package holidays in other countries where you walk from hotel to hotel and have your luggage transported.

The Keen Saver

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Re: Mustachian People Problems (just for fun)
« Reply #6110 on: March 12, 2019, 03:13:55 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.

I've tried that too, but it seems nobody likes walking to and from work. If you like walking you book package holidays in other countries where you walk from hotel to hotel and have your luggage transported.


Yes. It seems that walking is something that shouldn't be seen as a mode of transport but a pastime...

Loren Ver

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Re: Mustachian People Problems (just for fun)
« Reply #6111 on: March 12, 2019, 05:14:18 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.

I've tried that too, but it seems nobody likes walking to and from work. If you like walking you book package holidays in other countries where you walk from hotel to hotel and have your luggage transported.


Yes. It seems that walking is something that shouldn't be seen as a mode of transport but a pastime...

This is so true.  When a random driver drove a Civic into my  Ranger pushing it into my husbands Impala, destroying all three vehicles at 230 in the morning, my DH and I walked to a car rental place later that day.  It was a little over two miles away, so about a half an hour walk.  Friends and coworkers just couldn't understand that we walked to the rental place.  WALKED!  Why didn't you Uber?  Why didn't you call someone to give you a ride?   Well, it was only half an hour, shorter than my evening walk, and we don't have a smart phone so Uber isn't even an option.

So strange....

TVRodriguez

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Re: Mustachian People Problems (just for fun)
« Reply #6112 on: March 12, 2019, 10:45:32 AM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

ixtap

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Re: Mustachian People Problems (just for fun)
« Reply #6113 on: March 12, 2019, 01:44:06 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.

Rural

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Re: Mustachian People Problems (just for fun)
« Reply #6114 on: March 12, 2019, 06:24:41 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...

bluebelle

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Re: Mustachian People Problems (just for fun)
« Reply #6115 on: March 12, 2019, 06:28:08 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...
I was thinking tile......or giving it to my very elderly mother to see if she could manage facetime.....I imagine it would be dropped within the first 24 hours.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6116 on: March 13, 2019, 01:44:44 AM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...
I was thinking tile......or giving it to my very elderly mother to see if she could manage facetime.....I imagine it would be dropped within the first 24 hours.

Be careful not to crack your floor tiles. That might be difficult/expensive to repair.

The Keen Saver

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Re: Mustachian People Problems (just for fun)
« Reply #6117 on: March 15, 2019, 05:15:16 AM »
In Ireland at the moment bank interest rates are terrible and trying to find a bank account that has a savings rate of 1.5 - 2 % is not easy and then most of them are capped at a certain contribution a month such as 1000. Then once you go over a certain number such as 10,000 the interest drops to something like 0.2%. Makes saving money for a house down payment difficult since its basically depreciating wherever I put it. The only option is to open a string of savings accounts and spread the money out over multiple banks. Except that some of the banks only offer those average rates if you also have a current account with the bank and deposit X amount each month.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #6118 on: March 15, 2019, 05:44:08 AM »
In Ireland at the moment bank interest rates are terrible and trying to find a bank account that has a savings rate of 1.5 - 2 % is not easy and then most of them are capped at a certain contribution a month such as 1000. Then once you go over a certain number such as 10,000 the interest drops to something like 0.2%. Makes saving money for a house down payment difficult since its basically depreciating wherever I put it. The only option is to open a string of savings accounts and spread the money out over multiple banks. Except that some of the banks only offer those average rates if you also have a current account with the bank and deposit X amount each month.

That is "interesting"(see what I did there). Here in the states, a higher balance can often earn a higher yield. What is the reasoning for decreasing the yield? Why do they want to discourage saving?


I am visiting Ireland this summer. We are really looking forward to it.

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6119 on: March 15, 2019, 12:50:33 PM »

That is "interesting"(see what I did there). Here in the states, a higher balance can often earn a higher yield. What is the reasoning for decreasing the yield? Why do they want to discourage saving?


Probably the same as in the other countries too: What should the bank do with all that money?
They don't want to lend it to anything that has any risk. So they don't do it. Which means that the central banks keep printing money in the hope of banks lending money. Which they still don't do.
Which means the main rate is still at 0% and banks still have to PAY money if they want to put their stash into the central bank.

Or, as I like to say it, there is simply too much money sloshing around in the system.

e.g. Modern Monetary Theory could very simply explain to you why there is no inflation even though money supply is increasing far faster than real economy growth for decades now - but since MMT is "socialist", every US citizen is forbidden to read about it! HARHARHAR!

(hint: The money is mostly owned (and even worse nearly exclusivly going to) by people who have far more than they use for consuming. So they don't use that money. And if nobody is consuming, no growth.
That is part of the reason for the consumer frenzy everywhere in the economic circles. (We need to consume more!!)
btw. We mustachians are, albeit nearly from the other side, part of the same "problem".)



I'm a red panda

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Re: Mustachian People Problems (just for fun)
« Reply #6120 on: March 15, 2019, 01:47:17 PM »
In Ireland at the moment bank interest rates are terrible and trying to find a bank account that has a savings rate of 1.5 - 2 % is not easy and then most of them are capped at a certain contribution a month such as 1000. Then once you go over a certain number such as 10,000 the interest drops to something like 0.2%. Makes saving money for a house down payment difficult since its basically depreciating wherever I put it. The only option is to open a string of savings accounts and spread the money out over multiple banks. Except that some of the banks only offer those average rates if you also have a current account with the bank and deposit X amount each month.

That is "interesting"(see what I did there). Here in the states, a higher balance can often earn a higher yield. What is the reasoning for decreasing the yield? Why do they want to discourage saving?


I am visiting Ireland this summer. We are really looking forward to it.

I've actually seen quite a few situations like what was described here. We have a rewards checking account that is 2% up to $25,000 and then drops to 0.1%.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6121 on: March 16, 2019, 03:38:43 AM »
I'm actually jealous. I get 0,03% over my savings and 0,04% over the money that's in my account for more than a year. Those are normal rates over here. You can do your research and find banks that offer slightly more but it's hardly worth the hassle. It's not like you'd get 0,5% there.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #6122 on: March 16, 2019, 07:21:04 AM »
In Ireland at the moment bank interest rates are terrible and trying to find a bank account that has a savings rate of 1.5 - 2 % is not easy and then most of them are capped at a certain contribution a month such as 1000. Then once you go over a certain number such as 10,000 the interest drops to something like 0.2%. Makes saving money for a house down payment difficult since its basically depreciating wherever I put it. The only option is to open a string of savings accounts and spread the money out over multiple banks. Except that some of the banks only offer those average rates if you also have a current account with the bank and deposit X amount each month.

That is "interesting"(see what I did there). Here in the states, a higher balance can often earn a higher yield. What is the reasoning for decreasing the yield? Why do they want to discourage saving?


I am visiting Ireland this summer. We are really looking forward to it.

I've actually seen quite a few situations like what was described here. We have a rewards checking account that is 2% up to $25,000 and then drops to 0.1%.

I've been really interested in CitBank. Currently a tiered rate (only 2 tiers) of 1.17%, and 2.45% if over $25,000. Anyone have good or bad to say about them?

https://www.cit.com/cit-bank/tiered-savings-account-savings-builder-direct/#savingsbuilderfaq

I assume there are rules that prohibit foreign investment correct?

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6123 on: March 16, 2019, 01:54:19 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...
I was thinking tile......or giving it to my very elderly mother to see if she could manage facetime.....I imagine it would be dropped within the first 24 hours.

Be careful, she might start using it as a cutting board.

But we had a colleague come in with a defective iPad. It was bent at a 20 degree angle. Appearently, the had it in a speaker system which was pulled down by her daughter and the force of it was enough to bend the thing. I didn't ask about the floor though, whether it was cracked or not :P

KathrinS

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Re: Mustachian People Problems (just for fun)
« Reply #6124 on: March 16, 2019, 03:12:55 PM »
My main MPP is that I have to smile and nod and look inconspicuous whenever people start to whine about the 'cost of living' in my area. The other day I was speaking to someone who's interested in freelancing. I mentioned that people in full time employment probably only need 3 months' emergency expenses, but in self employment, 6 months are recommended. His response: 'Hmm, 3 months.. I do have savings, but not THAAAT MUCH.'


Wrenchturner

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Re: Mustachian People Problems (just for fun)
« Reply #6125 on: March 16, 2019, 03:33:22 PM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.
Joe Rogan: You're used to doing that: get in your car, sit down.  Drive to the office, sit down. Go to lunch, sit down.  Go to the board meeting, sit down. Get in your car on the way home, sit down. Get home in front of the TV, sit down.  Then go to the gym...? F*ck off!

Podcasts are great for this kind of stuff!

The Fake Cheap

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Re: Mustachian People Problems (just for fun)
« Reply #6126 on: March 16, 2019, 06:50:42 PM »
Not really a problem but I thought I would share anyway.

My paycheque was screwed up a while back, so I only got paid about half of my normal pay.

I emailed my supervisor about it and she told me to go see her so she could find out more about it.

After we we done talking about the missing pay, she said she was a bit releived that I wasn't super upset about the missing money.  She thought I would be pissed because she has heard that "I was careful with my money".

I replied that "Things like this are the reason I'm careful with my money...so I don't have to worry about money."


Wrenchturner

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Re: Mustachian People Problems (just for fun)
« Reply #6127 on: March 16, 2019, 08:02:32 PM »
Not really a problem but I thought I would share anyway.

My paycheque was screwed up a while back, so I only got paid about half of my normal pay.

I emailed my supervisor about it and she told me to go see her so she could find out more about it.

After we we done talking about the missing pay, she said she was a bit releived that I wasn't super upset about the missing money.  She thought I would be pissed because she has heard that "I was careful with my money".

I replied that "Things like this are the reason I'm careful with my money...so I don't have to worry about money."


I think FU money exists on a spectrum.  This event is on that spectrum.  I took last November off to go to Asia and my HR person was concerned about my $80 benefits payment... it really made no difference to me when it would be deducted and I was a bit unnerved to find out that people are that tight on cash.

Sometimes glitches and malfunctions just happen.  If I'm going to be pissed at my managers, I'd like to ensure it's for a reason they can control. 

BTDretire

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Re: Mustachian People Problems (just for fun)
« Reply #6128 on: March 16, 2019, 09:53:08 PM »
Hurricane back in Oct. pushed in a brick wall. I ordered 1500 brick  to repair it.
 The rep said they sent the order a little short, you only got 1484 brick, and that's
what the invoice billed 1484 brick @ $0.3999. Because of my vehicle, I had to make two
trips to carry all the brick. When I stacked the first load, I noted it was short, so I counted
what was left at the dealer, it was also short.
 I said to the dealer that I was short 28 brick, "he said what do you want me to do", I said,
 "just credit my credit card for the difference."
 The secretary was there and he said, credit his card and add a $25 handling fee!
 He was pissed, and said nobody ever counts* their brick.
 I told him to just forget it, and he did, so MPP, I had to pay $11 for something I didn't get.

*ya, contractors never count brick, they always order extra, they have plenty, the consumer pays the bill, and ever one is happy. Especially the brick manufacturer that, from "my experience" sends short pallets.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #6129 on: March 17, 2019, 12:22:04 AM »
My main MPP is that I have to smile and nod and look inconspicuous whenever people start to whine about the 'cost of living' in my area.

For me it's power bills!

Energy prices are under scrutiny in Australia, with stagnant wage growth, the closure of some coal-fired power stations, and a state and federal election around the corner.

I'm a member of a couple of money-saving groups on Facebook, and every week someone asks which energy provider is the cheapest.

But the conversation rarely gets to the question of usage.

My last power bill was $229 for the quarter, the lowest it's been in five quarters.

Want to spend less on your energy bill? Step one has to be: use less!

Bloop Bloop

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Re: Mustachian People Problems (just for fun)
« Reply #6130 on: March 17, 2019, 12:44:05 AM »
My main MPP is that I have to smile and nod and look inconspicuous whenever people start to whine about the 'cost of living' in my area.

For me it's power bills!

Energy prices are under scrutiny in Australia, with stagnant wage growth, the closure of some coal-fired power stations, and a state and federal election around the corner.

I'm a member of a couple of money-saving groups on Facebook, and every week someone asks which energy provider is the cheapest.

But the conversation rarely gets to the question of usage.

My last power bill was $229 for the quarter, the lowest it's been in five quarters.

Want to spend less on your energy bill? Step one has to be: use less!

I used to share with a room-mate who would regularly set the thermostat to 27 degrees celsius on winter nights. As a result our monthly power bill was about $220.

Since he's left and it's now just me and my partner, our winter power bill is about $90 per month and summer power bill $40 a month. In winter when my partner (who is more cold sensitive) than me is here I set the thermostat to 21 degrees and when it's just me I set it to 17 degrees. I have natural cold resistance - when it's 25 degrees indoors I stroll around in my underwear, so I'm not bothered by cold.

It does help that I got a 25% reduction in rates from my energy supplier after complaining and taking them to the Ombudsman for bait and switch tactics, but man, "regular people" use a shit ton of energy.

mustachepungoeshere

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Re: Mustachian People Problems (just for fun)
« Reply #6131 on: March 17, 2019, 01:01:06 AM »
I used to share with a room-mate who would regularly set the thermostat to 27 degrees celsius on winter nights.

I'm pretty sure that would make me feel ill!


Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6132 on: March 17, 2019, 05:41:25 AM »
In Ireland at the moment bank interest rates are terrible and trying to find a bank account that has a savings rate of 1.5 - 2 % is not easy and then most of them are capped at a certain contribution a month such as 1000. Then once you go over a certain number such as 10,000 the interest drops to something like 0.2%. Makes saving money for a house down payment difficult since its basically depreciating wherever I put it. The only option is to open a string of savings accounts and spread the money out over multiple banks. Except that some of the banks only offer those average rates if you also have a current account with the bank and deposit X amount each month.

That is "interesting"(see what I did there). Here in the states, a higher balance can often earn a higher yield. What is the reasoning for decreasing the yield? Why do they want to discourage saving?


I am visiting Ireland this summer. We are really looking forward to it.

I've actually seen quite a few situations like what was described here. We have a rewards checking account that is 2% up to $25,000 and then drops to 0.1%.

I've been really interested in CitBank. Currently a tiered rate (only 2 tiers) of 1.17%, and 2.45% if over $25,000. Anyone have good or bad to say about them?

https://www.cit.com/cit-bank/tiered-savings-account-savings-builder-direct/#savingsbuilderfaq

I assume there are rules that prohibit foreign investment correct?

Another option -- Ally has 2.2% with no lower or upper limits on their savings accounts now.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6133 on: March 17, 2019, 06:54:24 AM »

I've been really interested in CitBank. Currently a tiered rate (only 2 tiers) of 1.17%, and 2.45% if over $25,000. Anyone have good or bad to say about them?

https://www.cit.com/cit-bank/tiered-savings-account-savings-builder-direct/#savingsbuilderfaq

I assume there are rules that prohibit foreign investment correct?

Another option -- Ally has 2.2% with no lower or upper limits on their savings accounts now.

If you would like to peruse a large list of options:

https://www.doctorofcredit.com/high-interest-savings-to-get/

It appears the highest "no hassle" rate is 2.75%

Seadog

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Re: Mustachian People Problems (just for fun)
« Reply #6134 on: March 17, 2019, 08:35:57 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.

I've tried that too, but it seems nobody likes walking to and from work. If you like walking you book package holidays in other countries where you walk from hotel to hotel and have your luggage transported.

Recently came home from an overseas trip, flights got all messed up due to weather, and a friend could no longer pick me up at the airport. The airport is far away, so taxis are like $75, which I feel as a mustachian is too much - so I took the bus. The blessing in disguise is that my luggage was also lost.

So I spent 90 minutes on the bus, then walked a km home from the terminal. My luggage then got dropped off the next day by a guy in a van. I told my friend this and he retorted "Wait, so let me get this straight, your luggage gets better transportation than yourself?"

Seadog

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Re: Mustachian People Problems (just for fun)
« Reply #6135 on: March 17, 2019, 08:40:05 AM »
Yes. It seems that walking is something that shouldn't be seen as a mode of transport but a pastime...

Haha, at my last job I spent a month working in small town Colorado. Great place, but I would always walk the 2.5 miles to the grocery store or where ever else, along side some pretty epic hikes in the hills there, which also required a 2+ mile walk to the trail head.

I never understood the idea of spending money to drive to the exercise place.

Anyways, really friendly small town of maybe 15k, and at least 2-3x per week I'd have people stop and offer me lifts. Wondering why some strange guy was *walking* a mile out of town. He clearly must have had a breakdown or something.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #6136 on: March 17, 2019, 10:37:58 AM »

I've been really interested in CitBank. Currently a tiered rate (only 2 tiers) of 1.17%, and 2.45% if over $25,000. Anyone have good or bad to say about them?

https://www.cit.com/cit-bank/tiered-savings-account-savings-builder-direct/#savingsbuilderfaq

I assume there are rules that prohibit foreign investment correct?

Another option -- Ally has 2.2% with no lower or upper limits on their savings accounts now.

If you would like to peruse a large list of options:

https://www.doctorofcredit.com/high-interest-savings-to-get/

It appears the highest "no hassle" rate is 2.75%

thank you for the link. I will take some time to look at a few more, but the 2.75% rate is for 1 year, that then reverts back to current rates. Their best "regular" rate is 1% at present. I would prefer 2.45% that is not a "teaser" over the 2.75% that reverts.

TomTX

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Re: Mustachian People Problems (just for fun)
« Reply #6137 on: March 17, 2019, 10:43:16 AM »

thank you for the link. I will take some time to look at a few more, but the 2.75% rate is for 1 year, that then reverts back to current rates. Their best "regular" rate is 1% at present. I would prefer 2.45% that is not a "teaser" over the 2.75% that reverts.

The 2.45 isn't guaranteed either. Rates change all the time.

radram

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Re: Mustachian People Problems (just for fun)
« Reply #6138 on: March 17, 2019, 11:50:16 AM »

thank you for the link. I will take some time to look at a few more, but the 2.75% rate is for 1 year, that then reverts back to current rates. Their best "regular" rate is 1% at present. I would prefer 2.45% that is not a "teaser" over the 2.75% that reverts.

The 2.45 isn't guaranteed either. Rates change all the time.

Very true, but the introductory rate is virtually guaranteed to fall after 1 year. Almost 67% at current rates. I'll take my chances. In fact, when I first started looking into CITBank, the rate was 2.41%.


dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6139 on: March 17, 2019, 12:01:38 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...
I was thinking tile......or giving it to my very elderly mother to see if she could manage facetime.....I imagine it would be dropped within the first 24 hours.

Be careful, she might start using it as a cutting board.

But we had a colleague come in with a defective iPad. It was bent at a 20 degree angle. Appearently, the had it in a speaker system which was pulled down by her daughter and the force of it was enough to bend the thing. I didn't ask about the floor though, whether it was cracked or not :P

Work great as a plate too! https://www.google.com/amp/s/amp.reddit.com/r/WeWantPlates/comments/76lym2/selfaware_absurdity_apple_pastry_desert_served_on/

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6140 on: March 17, 2019, 12:02:17 PM »
Hurricane back in Oct. pushed in a brick wall. I ordered 1500 brick  to repair it.
 The rep said they sent the order a little short, you only got 1484 brick, and that's
what the invoice billed 1484 brick @ $0.3999. Because of my vehicle, I had to make two
trips to carry all the brick. When I stacked the first load, I noted it was short, so I counted
what was left at the dealer, it was also short.
 I said to the dealer that I was short 28 brick, "he said what do you want me to do", I said,
 "just credit my credit card for the difference."
 The secretary was there and he said, credit his card and add a $25 handling fee!
 He was pissed, and said nobody ever counts* their brick.
 I told him to just forget it, and he did, so MPP, I had to pay $11 for something I didn't get.

*ya, contractors never count brick, they always order extra, they have plenty, the consumer pays the bill, and ever one is happy. Especially the brick manufacturer that, from "my experience" sends short pallets.

How about I do a chargeback and the dealer gets to pay a $25 chargeback fee?

gaja

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Re: Mustachian People Problems (just for fun)
« Reply #6141 on: March 17, 2019, 01:21:45 PM »
not so humble brag......my raise and bonus this year were enough to research if there is a $ limit to my employer match on my group RRSP (Canadian version of a 401K).   I know there are folks on this forum that make way more than I do, but I recognize that I make really good coin doing a job I enjoy.

my first MPP - there is no one besides my spouse I can tell.  Given how we live - people would be shocked at what I make.  And I like the stealth wealth.

my second MPP is now I have to decide where/how to invest that extra money.  What a wonderful first world problem to have.  And having the ability to recognize what a gift it is.  Because other than a replacement iPad for my 8 year old iPad, I can't think of a single thing I need/want to buy.   And the urge to buy the iPad isn't that strong, I'll wait until this one freezes once too many times in a day and accidentally gets thrown across the room.

Congratulations!  That is a great problem to have.  You're right--lots of other people would assume that you would, of course, spend the entire raise and bonus.  What else would you do with it??  :P

Here's hoping the iPad does not get thrown, accidentally or otherwise.

Those older iPads can survive being thrown across the room.


Or dropped on a concrete floor...
I was thinking tile......or giving it to my very elderly mother to see if she could manage facetime.....I imagine it would be dropped within the first 24 hours.

Be careful, she might start using it as a cutting board.

But we had a colleague come in with a defective iPad. It was bent at a 20 degree angle. Appearently, the had it in a speaker system which was pulled down by her daughter and the force of it was enough to bend the thing. I didn't ask about the floor though, whether it was cracked or not :P

Work great as a plate too! https://www.google.com/amp/s/amp.reddit.com/r/WeWantPlates/comments/76lym2/selfaware_absurdity_apple_pastry_desert_served_on/

Just sold my 7-8 year old iPad for $50. Maybe a more boring solution than the other mentioned above, but the savings account appriciated it. Apparently that is the going price here for old electronics; we got the same price for a couple of old psions from the 90s.

The MPP: people who buy old electronics tend to pay in cash. The Norwegian Bank has recently changed the design of our 50 NOK bill, and the old bill will stop being legal currency in October. If we forget to spend them before that, we'll have to go to the bank and exchange them for new ones. We spend so little cash that this feels a bit stressful. The design of the 100 NOK bill changed last year, and we had the same issue then. Luckily we found some charity to give the old money to - that will be the backup plan for this money too.


Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6142 on: March 17, 2019, 01:49:10 PM »
My main MPP is that I have to smile and nod and look inconspicuous whenever people start to whine about the 'cost of living' in my area.

For me it's power bills!

Energy prices are under scrutiny in Australia, with stagnant wage growth, the closure of some coal-fired power stations, and a state and federal election around the corner.

I'm a member of a couple of money-saving groups on Facebook, and every week someone asks which energy provider is the cheapest.

But the conversation rarely gets to the question of usage.

My last power bill was $229 for the quarter, the lowest it's been in five quarters.

Want to spend less on your energy bill? Step one has to be: use less!

I have that discussion with several people since we swapped out heating with a heat pump. Everyone so far is against it due to negative news (they use a lot of electric, the house won't get warm, lots of noise etc.).
My electrical usage for the heat pump has been 1400kWh extra, or thereabouts. Price is 0,23 per kWh, so about 20,- per month over the full year. Everyone who asks has googly eyes because it's expensive and blah blah. But then I tell them that I don't have to pay the 70,- per month of the previous heating. They keep falling back on the extra 20 and not the 50 saved in total...

I also have a green contract which means that all kWh are generated by non pollution like solar, wind or other sources. The previous heating was supplied by waste heat from a coal powerplant, and additionally heated by a bio-gas burner (aka methane and such produced from green waste).

I also have a problem though. About 10 years ago I bought a boatload of boxershorts when a local retailer had a bankruptcy sale. Something like 2 euro for a boxer. Nice thick cotton and very comfy. They are falling apart on me so I'm looking for new ones.
Fashion appearently changed and nearly all boxers are now elastic tight fitting ones. I don't like those, but the non elastic version is a rarity and most are both expensive and thin cotton. I can find some versions online but are I can't tell if the cotton is reasonable quality and returns aren't free. Prices start at 12 for a single boxer, I think that's insanity... I even saw boxers that go for 50+, I'm flabbergasted...

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6143 on: March 17, 2019, 03:27:29 PM »
I can see where some people are coming from re: heat pump criticism. I've done my research as well because we were interested in maybe getting one, but it seems it's mainly interesting if your use of natural gas / heating is pretty high and your house is quite big. In our case we calculated that we'd save 75/year while investing 4500 (hybrid installation) up front + we'd have to sacrifice most of a bedroom. That doesn't mean there's anything wrong with heat pumps, I just think they are not particularly suitable for the most common type of house in NL.

Radically cutting down on energy use can be very effective in lowering bills and carbon pollution and is zero waste. I think this should be promoted much more. All I hear about now are EV's and heat pumps.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6144 on: March 18, 2019, 01:59:09 AM »
I can see where some people are coming from re: heat pump criticism. I've done my research as well because we were interested in maybe getting one, but it seems it's mainly interesting if your use of natural gas / heating is pretty high and your house is quite big. In our case we calculated that we'd save 75/year while investing 4500 (hybrid installation) up front + we'd have to sacrifice most of a bedroom. That doesn't mean there's anything wrong with heat pumps, I just think they are not particularly suitable for the most common type of house in NL.

Radically cutting down on energy use can be very effective in lowering bills and carbon pollution and is zero waste. I think this should be promoted much more. All I hear about now are EV's and heat pumps.
This is actually dependent on your heating system. I have a normal sized house (100m2/300m3) with radiators and I could have done with a 5kW heatpump which cost about 4500 and I receive 2000 in subsidies. Savings then would have been a lot more than my current heatpump (which is bigger and more expensive due to some assumptions I made early on).

If you have underfloor heating you can generally replace a natural Gas heater quite easily because its already suitable for the output temperatures of a heatpump.

On an enthusiasts forum we use a formula to calculate which size heatpump is appropriate (considering only heating the unit and not tapwater, also continuous heating and no lowering the temperature during the nights):
m3 gasusage per annum x 8 KW heat (which is easily possible in most heaters from 1 m3 of gas). Divide this by 1650 and round up to the nearest whole number.

Example: 1100m3 gas is 8800 / 1650 = 5.33, round up = 6kW sized heatpump.

[edit]
Disclaimer: This calculation is based on -10oC in dutch weather (often windy.
Natural Gas I indicated is low calory NG, do not compare with other types of combustibles. If needed, calculate by kWh in stead but take note of the temperature!
« Last Edit: March 18, 2019, 02:10:45 AM by Alfred J Quack »

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6145 on: March 18, 2019, 04:32:22 AM »
Thanks for your long reply! From what I remember the issue was that for older homes, hybrid systems are best and those generally don't heat tap water. Since typical Dutch homes have neighbours attached on both sides, your house is partially heated by their warmth, so a relatively large amount of total gas use is for tap water and cooking instead of heating (I think about 50% in our case) . What we took away is that a heat pump is mainly interesting if you can get off the gas completely or heating is your main use of gas, for example if you have a detached house.


Our house is slightly smaller than yours, but not a massive difference. 75m2/265 m3. We use about 800m3 of gas and 400m3 is supposed to be for tap water and cooking.

Fomerly known as something

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Re: Mustachian People Problems (just for fun)
« Reply #6146 on: March 18, 2019, 04:46:27 AM »
Not sure if this is a MPP or something else. I love walking to work. It is about 5.5 km which takes me less than 40 mins to walk. I do it every work day regardless of the weather. I put on a podcast and enjoy the walk. And nobody seems to understand. They all say why don't you get the Luas (tram) which goes directly from my house to work. My response is that it costs about 5 euro a day and is packed like a tin of sardines during rush hour. Why don't you get the bus? I walk faster than the bus which also costs about 5 quid a day and is packed full of people too.

I could cycle too which I used to do a lot but I work in the city center and the roads are awful for cyclists and I can't listen to my podcasts on the bike. No one seems to understand that I actually enjoy walking to work and have no problem walking in the cold for 40 minutes in the morning. I don't have to wait around on some one else's  schedule (bus or tram) to get to work, I don't have to rush to catch the bus if I'm running late. I leave when I want and I get to work at the same time because I set my own schedule.

Is it because there is an element of hardship that people can't relate? If it rains I wear my waterproofs, if it snows I wear my hiking boots, if its sunny out I'm already wearing shorts. It just seems like a no brainer. It's the cheaper, healthier and faster than public transport yet I am the odd one out.

Very Mustachian people problem!

You could just tell 'em you like walking.

I've tried that too, but it seems nobody likes walking to and from work. If you like walking you book package holidays in other countries where you walk from hotel to hotel and have your luggage transported.

Recently came home from an overseas trip, flights got all messed up due to weather, and a friend could no longer pick me up at the airport. The airport is far away, so taxis are like $75, which I feel as a mustachian is too much - so I took the bus. The blessing in disguise is that my luggage was also lost.

So I spent 90 minutes on the bus, then walked a km home from the terminal. My luggage then got dropped off the next day by a guy in a van. I told my friend this and he retorted "Wait, so let me get this straight, your luggage gets better transportation than yourself?"

I booked a holiday where I walked from hotel to hotel and had my luggage delivered last summer.  I drive to work, but work provides me the vehicle.  This did factor a bit into my housing choices, I live 10 miles from work instead of less than 5 miles.

kelvin

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Re: Mustachian People Problems (just for fun)
« Reply #6147 on: March 20, 2019, 04:50:04 AM »
I can see where some people are coming from re: heat pump criticism. I've done my research as well because we were interested in maybe getting one, but it seems it's mainly interesting if your use of natural gas / heating is pretty high and your house is quite big. In our case we calculated that we'd save 75/year while investing 4500 (hybrid installation) up front + we'd have to sacrifice most of a bedroom. That doesn't mean there's anything wrong with heat pumps, I just think they are not particularly suitable for the most common type of house in NL.

Radically cutting down on energy use can be very effective in lowering bills and carbon pollution and is zero waste. I think this should be promoted much more. All I hear about now are EV's and heat pumps.
This is actually dependent on your heating system. I have a normal sized house (100m2/300m3) with radiators and I could have done with a 5kW heatpump which cost about 4500 and I receive 2000 in subsidies. Savings then would have been a lot more than my current heatpump (which is bigger and more expensive due to some assumptions I made early on).

If you have underfloor heating you can generally replace a natural Gas heater quite easily because its already suitable for the output temperatures of a heatpump.

On an enthusiasts forum we use a formula to calculate which size heatpump is appropriate (considering only heating the unit and not tapwater, also continuous heating and no lowering the temperature during the nights):
m3 gasusage per annum x 8 KW heat (which is easily possible in most heaters from 1 m3 of gas). Divide this by 1650 and round up to the nearest whole number.

Example: 1100m3 gas is 8800 / 1650 = 5.33, round up = 6kW sized heatpump.

[edit]
Disclaimer: This calculation is based on -10oC in dutch weather (often windy.
Natural Gas I indicated is low calory NG, do not compare with other types of combustibles. If needed, calculate by kWh in stead but take note of the temperature!

Thanks for the calculation!

I've been told that heat pumps do not function well below -10C, is this true?

For years, Ottawa had artificially cheap electric power. Huge swaths of the city have electric baseboard heaters, and nothing else, when winters are regularly below -30C. Some of the newer homes have natural gas, but anything more than ten years old, or worth $300,000 or less, probably has electric. Some folks are installing the heat pumps for use most of the year, and leaving the electric in as backup during the coldest months. It's something I'm keeping an eye on for when I'm able to buy in a few years.

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6148 on: March 20, 2019, 04:59:12 AM »

I've been told that heat pumps do not function well below -10C, is this true?

Air-to-air heat pumps work less efficiently the colder it gets. When  the outside temp is +5C, you put in 1kW and it produces 3,5 kW of electricity. When it is -10C, you put in 1 kW and it produces warmth for maybe 1,5 kW. At a certain point it will not produce more than the 1 kW that you put in.

If you winters are mostly very cold, you could consider another type of heat pump, like one that is based on groundwater. Such a pump produces about 5 kW for each 1 kW you put in the whole winter.

We in South Norway have had an air-to-air pump for many years. Our winters are sometimes -10C a great part of the winter. But most of the time, the winters have milder temperatures. In addition come the spring and autumn that are milder. We saved about 1/3 of our energy bill. We had a wood stove as well that we could use on the coldest days (with free wood from the garden).
« Last Edit: March 20, 2019, 08:20:54 AM by Linea_Norway »

zolotiyeruki

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Re: Mustachian People Problems (just for fun)
« Reply #6149 on: March 20, 2019, 07:34:14 AM »
I've been told that heat pumps do not function well below -10C, is this true?
I keep hearing people say that more modern air-source heat pumps are effective down at those temperatures, but it's true that they become less efficient.  Ground source heat pumps don't have that problem, but are a lot more expensive to install because of the cost of burying the loops horizontally or drilling multiple wells for vertical loops.