Author Topic: Mustachian People Problems (just for fun)  (Read 3136249 times)

FireHiker

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Re: Mustachian People Problems (just for fun)
« Reply #6500 on: July 08, 2019, 10:53:55 AM »
@SwordGuy I hadn't thought of that, but if it becomes necessary it's worth a shot. Thanks for the suggestion! The regional credit union may give us an acceptable mortgage rate and didn't have an issue with the downsizing so we may just go that route. We don't close escrow on the purchase until late August.

The thing that blew my mind, though, is that if we were going the other way they wouldn't argue it. But, because it is "so much smaller" it raises a red flag. Our society is messed up!

Linea_Norway

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Re: Mustachian People Problems (just for fun)
« Reply #6501 on: July 08, 2019, 10:57:09 AM »
I have a new MPP today. We are finally making the very mustachian move of downsizing our 3690 square foot clown house to a 1642 square foot townhome nearby. It's about a mile from our current home, same schools, shortens our work commute from 2 miles to 1 mile each way. We have qualified to carry our current mortgage, a heloc to pay a 25% down payment, and the new mortgage...BUT the initial lender we chose will not believe us that we are downsizing and is considering the purchase "investment property" which means the rate they are offering is a full point higher. WTF!! We have a listing agreement and are putting our house on the market next week once we're finished getting it prepped for sale. Evidently we are "too young" to be downsizing and cannot convince this lender that the purchase will be our new primary residence.

Now, it's very likely our current home will sell and we'll close escrow on it first before escrow closes on the purchase, in which case we no longer have this problem, but it isn't guaranteed and the seller accepted our offer because it wasn't contingent on the sale of our first home. But, seriously?! I am both annoyed because now we have to spend time and energy that we don't have on this, and offended that they don't believe we are downsizing in the same area with two kids still at home.

Isn't there a lot of competition? Find another one.
But I understand that it is more hassle for what should have been a formality.

FireHiker

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Re: Mustachian People Problems (just for fun)
« Reply #6502 on: July 08, 2019, 12:15:13 PM »
Isn't there a lot of competition? Find another one.
But I understand that it is more hassle for what should have been a formality.

Every time you go to a different lender they do a credit check, and too many will lower your credit here. And, it's a big annoyance. We have some options, and if we sell our house first (very possible) then it is a non-issue. I was just stunned that they "didn't believe" we were downsizing because it wasn't the typical thing. I guess it just confirms that we're doing the right thing if it's so counter-cultural "at our ages" that it raises red flags.

letsdoit

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Re: Mustachian People Problems (just for fun)
« Reply #6503 on: July 08, 2019, 02:33:08 PM »
i have perfect credit but almost got rejected from a new credit card bc i had been shopping around for better rewards and got three cards in the space of a month. 

CindyBS

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Re: Mustachian People Problems (just for fun)
« Reply #6504 on: July 13, 2019, 11:58:34 AM »
There is a thrift store I go to maybe 6 times per year and spend about $200/year - mostly for clothes and household items.  It has a bunch of half priced days (at least one per week)  They are typically mobbed with people, to the point it got to be so annoying I vowed to never go on a half price day again. 

The prices in the place are a little higher to compensate for the fact a big chunk of the inventory gets sold for half price. 

Today I bought about $20 worth of stuff, the first time I had gone there in months.   It was a fraction of the cost if I had bought this stuff new and it was stuff we actually needed.  I am still lamenting the fact I could have gotten it all for $10 and not $20.  It is so ridiculous because there are other parts of my life I have no problem wasting money on.  Also, my spending at this store represents a tiny, tiny fraction of our yearly income. 

It is one thing to be frugal, quite another to devote any mental energy to this when I am sitting on a giant freakin' stache. Sigh.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6505 on: July 13, 2019, 12:19:34 PM »
I was in a thrift store today and they had a 1+1 free promotion. I wanted/needed a pair of flats and a simple black top. Found some flats, but no suitable top, so I left with just 1 product missing the promotion.

Kazyan

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Re: Mustachian People Problems (just for fun)
« Reply #6506 on: July 13, 2019, 12:37:48 PM »
A mortgage lender was pessimistic about what I could get for my pre-approval, since they didn't see how someone with $11,300 saved up would want to put 20% down. Maybe if they knew I was Mustachian and that savings figure was growing fast, that phone conversation wouldn't have sounded so belabored. Oh well!

SwordGuy

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Re: Mustachian People Problems (just for fun)
« Reply #6507 on: July 13, 2019, 01:02:59 PM »
A mortgage lender was pessimistic about what I could get for my pre-approval, since they didn't see how someone with $11,300 saved up would want to put 20% down. Maybe if they knew I was Mustachian and that savings figure was growing fast, that phone conversation wouldn't have sounded so belabored. Oh well!

My realtor introduced me to a mortgage broker who would do some of my business after hours on the phone because I was travelling and dealing with the death of my mother.   A house we had been tracking for several years had finally come back on the market at an acceptable price so it was time to snap it up and move in.

The broker's been told that we're into real estate investing, so he starts off with, "So, Swordguy, how many houses do you have?"

Me:  "Well, legally, we own four."

Him:  "Squawk!!!!!!   Legally!!!???"

Me:  "Well, yes.  We own four houses.  My mom just passed away and I'll be inheriting her house, but I don't technically own it yet."

Him:  big sigh of relief.

Some conversations are more fun than others.

OtherJen

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Re: Mustachian People Problems (just for fun)
« Reply #6508 on: July 13, 2019, 04:08:05 PM »
Two "problems":

1. I recently paid off a car loan, which was then closed by the bank, and financed a home improvement on a 0% interest credit card for the cash back rewards (and have since paid off 80% of it). Those events caused my credit score to dip below 800 for the first time in a couple of years. Oops.

2. Husband just got an application for a Discover loan of up to $35k to pay off high-interest debt. We have no high-interest debt.

Raenia

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Re: Mustachian People Problems (just for fun)
« Reply #6509 on: July 14, 2019, 01:57:08 PM »
1. I recently paid off a car loan, which was then closed by the bank, and financed a home improvement on a 0% interest credit card for the cash back rewards (and have since paid off 80% of it). Those events caused my credit score to dip below 800 for the first time in a couple of years. Oops.

I have this one too - my score dropped below 750 for the first time in years, after several credit pulls and an unusually high utilization on one of my cards.  We had the credit pull from the mortgage company, opening a Home Depot credit card, and applying for financing for the new AC/furnace installation, plus I had put the electrician bill on a card for the points (paid off in full on the usual billing cycle, but still reported to the credit agencies as high utilization).  I was so sad to see it!

FireHiker

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Re: Mustachian People Problems (just for fun)
« Reply #6510 on: July 16, 2019, 11:56:58 AM »
It looks like our previous MPP has likely been resolved by going to the local credit union for the mortgage. They seem to believe us that we are actually downsizing and not trying to get a primary residence rate on an investment property. I still can't believe people will actually go to the effort to engage a realtor and list their house for sale to get a percentage point off an investment mortgage? It seems like a lot of work to me. We are exhausted but our listing should hit tomorrow...crossing fingers for a quick sale, and then our MPP will be figuring out how best to invest what we don't put down on the new house: VTSAX in an investment account, Mega Backdoor Roth (first?), do we bother with 529's for the two younger kids or not, etc. All good problems. Also, I was wrong: it seems if you have multiple credit checks in a brief period for the same thing (like a mortgage) it is viewed as "rate shopping" and not separate events. Our credit was still plenty good when the credit union checked it, whew.

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #6511 on: July 17, 2019, 06:01:02 AM »
I now have to figure out how else to deploy the $50/month that had been going to Comcast toward my condo building's bulk cable tv package!

YES! That is right! Finally the condo board in my building voted to get rid of that trash!  Ever since I moved in, they had a "bulk agreement" with Comcast, where every unit owner was required to pay for the service. In exchange, Comcast gave us a discount on the price of the TV service.

For years, owners have been complaining about it at meetings -- since a lot of people are cord cutters now and have no interest in paying for that garbage.  Surveys were sent out, the board ignored the will of the owners for several years!  I was on the board at one point and tried to push for ending it... But it always stalled by delay/stonewall tactics by the "older" members on the board who wanted to keep their sweatheart cable tv deal -- -- even if OVER HALF THE BUILDING didn't want to pay for it.  Basically, in my mind, their mentality was: "everyone else can go to hell, I get what I want since I'm on the board."

If you send out a survey to all owners with a direct question "Do you want the building to have a bulk cable TV package, forcing everyone to buy it, but in return getting a discount on the price?" and you get back more than 50% of the owners answer with "NO", it is extremely irresponsible (and in being-an-asshole territory, if you ask me) to continue to keep the service purely for one's self-interest of saving a couple bucks on their own package.

In fact, when (another unit owner) directly called out the board members (who still voted to keep the package), some of the absolute BULLSHIT reasons they gave for their vote (instead of admitting what self-centered-assholes they are) were:

1) "I don't think the owners understood the survey properly and weren't well informed", or
2) "Well, the MLS listings when people bought their condos said it should include cable, so we need to keep it"
3) "But Everyone is now going to have to pay almost $100 a month to Comcast now for their TV service!"

Well, the tides finally changed!  New members on the board.. and by a razor-thin vote of 3-2, we are not renewing the contract in November when it expires!  $50/month now not headed straight for the toilet!  MPP: How else do I deploy that fifty bucks?? Oooh that VTSAX over there sure looks nice!

« Last Edit: July 17, 2019, 06:30:17 AM by rantk81 »

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6512 on: July 17, 2019, 11:05:17 AM »
A few annoying people keep biking past my house over the sidewalk rather than biking the extra 10 yards to use the bike path. The effect is that I can hear them inside and this is annoying.

Knowing that the city won't do anything about it, I asked them whether I can buy the 20 by 2 meters of sidewalk so that the annoying people will have to use the other sidewalk or bike path.

If it works, I can also build a carport to charge a future EV :P

LennStar

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Re: Mustachian People Problems (just for fun)
« Reply #6513 on: July 17, 2019, 11:15:06 AM »
YES! That is right! Finally the condo board in my building voted to get rid of that trash!  Ever since I moved in, they had a "bulk agreement" with Comcast, where every unit owner was required to pay for the service. In exchange, Comcast gave us a discount on the price of the TV service.

STOP! STOP!

Am I understanding that right? You pay 50$ and after that you have to pay the same for your TV?

I used to have Internet + TV + phone for 47€. Now (moved 2 weeks ago) I have Internet + phone flatrate for 30€. TV from community antenna. When my TV did the search on "free" channels only (not encrypted) I got 300+. Granted, a lot of them will be a public TV (which cost every household in Germany 17€ but is not a tax!!) channels with a dozen regional names (they have different weather forecast or something like that), but I still come out with more than 100 individual channels for free (plus the 17€ from above).

Damn Socialism again, I guess - they only try to keep people dumb with cheap, mindless entertainment!

rantk81

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Re: Mustachian People Problems (just for fun)
« Reply #6514 on: July 17, 2019, 11:17:40 AM »
YES! That is right! Finally the condo board in my building voted to get rid of that trash!  Ever since I moved in, they had a "bulk agreement" with Comcast, where every unit owner was required to pay for the service. In exchange, Comcast gave us a discount on the price of the TV service.

STOP! STOP!

Am I understanding that right? You pay 50$ and after that you have to pay the same for your TV?

I used to have Internet + TV + phone for 47€. Now (moved 2 weeks ago) I have Internet + phone flatrate for 30€. TV from community antenna. When my TV did the search on "free" channels only (not encrypted) I got 300+. Granted, a lot of them will be a public TV (which cost every household in Germany 17€ but is not a tax!!) channels with a dozen regional names (they have different weather forecast or something like that), but I still come out with more than 100 individual channels for free (plus the 17€ from above).

Damn Socialism again, I guess - they only try to keep people dumb with cheap, mindless entertainment!

The $50 was the discounted price for the TV package.  It did not include any internet or phone (which we are left to buy separately.)

dougules

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Re: Mustachian People Problems (just for fun)
« Reply #6515 on: July 18, 2019, 10:39:40 AM »
I've been nursing blueberry bushes along for several years since they're a bit of an expensive treat at the farmers' market.  This year a combination of factors has given me a bumper crop like I've never had before.  What I didn't think about in my excitement watching them come in in the spring is that they all have to be picked.  Now I am having to spend 3-4 hours a week picking blueberries.  Rough times. 

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #6516 on: July 18, 2019, 11:33:26 AM »
A mortgage lender was pessimistic about what I could get for my pre-approval, since they didn't see how someone with $11,300 saved up would want to put 20% down. Maybe if they knew I was Mustachian and that savings figure was growing fast, that phone conversation wouldn't have sounded so belabored. Oh well!

My realtor introduced me to a mortgage broker who would do some of my business after hours on the phone because I was travelling and dealing with the death of my mother.   A house we had been tracking for several years had finally come back on the market at an acceptable price so it was time to snap it up and move in.

The broker's been told that we're into real estate investing, so he starts off with, "So, Swordguy, how many houses do you have?"

Me:  "Well, legally, we own four."

Him:  "Squawk!!!!!!   Legally!!!???"

Me:  "Well, yes.  We own four houses.  My mom just passed away and I'll be inheriting her house, but I don't technically own it yet."

Him:  big sigh of relief.

Some conversations are more fun than others.

@SwordGuy, literally LOL.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6517 on: July 18, 2019, 01:19:52 PM »
My flatmate is moving out and as I'm in the smallest room of the house, I was asked to move into his room. Now I'd like to move into a slightly bigger room as mine is quite small, however his room is about 2-2.5x the size of mine and about $100-150/month more expensive.

I'd love to move within the same house, yet I'm only interested in a room about 1.5-2x the size as I would just want enough space to host more than 4 guests at a time and wouldn't really be willing to pay more than $50/month extra because it would cut my SR too much.

(Yes, I'm fairly low income, grad student)

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6518 on: July 18, 2019, 01:45:29 PM »
My flatmate is moving out and as I'm in the smallest room of the house, I was asked to move into his room. Now I'd like to move into a slightly bigger room as mine is quite small, however his room is about 2-2.5x the size of mine and about $100-150/month more expensive.

I'd love to move within the same house, yet I'm only interested in a room about 1.5-2x the size as I would just want enough space to host more than 4 guests at a time and wouldn't really be willing to pay more than $50/month extra because it would cut my SR too much.

(Yes, I'm fairly low income, grad student)

Seems like there could be someone else willing to “move up” and let you take their medium room

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6519 on: July 18, 2019, 01:53:58 PM »
My flatmate is moving out and as I'm in the smallest room of the house, I was asked to move into his room. Now I'd like to move into a slightly bigger room as mine is quite small, however his room is about 2-2.5x the size of mine and about $100-150/month more expensive.

I'd love to move within the same house, yet I'm only interested in a room about 1.5-2x the size as I would just want enough space to host more than 4 guests at a time and wouldn't really be willing to pay more than $50/month extra because it would cut my SR too much.

(Yes, I'm fairly low income, grad student)

Seems like there could be someone else willing to “move up” and let you take their medium room

The other flatmate actually the biggest room and she ain't going anywhere. It's just the 3 of us so no other in-house options unfortunately.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6520 on: July 18, 2019, 03:06:00 PM »
My flatmate is moving out and as I'm in the smallest room of the house, I was asked to move into his room. Now I'd like to move into a slightly bigger room as mine is quite small, however his room is about 2-2.5x the size of mine and about $100-150/month more expensive.

I'd love to move within the same house, yet I'm only interested in a room about 1.5-2x the size as I would just want enough space to host more than 4 guests at a time and wouldn't really be willing to pay more than $50/month extra because it would cut my SR too much.

(Yes, I'm fairly low income, grad student)

Seems like there could be someone else willing to “move up” and let you take their medium room

The other flatmate actually the biggest room and she ain't going anywhere. It's just the 3 of us so no other in-house options unfortunately.

Take the biggest room and subdivide it :-P

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6521 on: July 18, 2019, 06:03:47 PM »
We typically eat oatmeal for breakfast. It’s cheap and filling and delicious. Well, we just moved into a fancy serviced apartment, and in the  “welcome to the neighborhood” gift basket was a box of cornflakes. Cornflakes are very expensive here, as are most “American” foods.

The following conversation ensued when I tried to serve 5-year-old DD a bowl of Kellogg’s cornflakes with milk and sliced bananas (the quintessential North American breakfast).

DD: What are those? Are they chips?
Me: No, they’re cornflakes.
DD: Do I like them?
Me: I don’t know. You liked Cheerios when you were a baby. We used to eat Cheerios and milk and bananas at grandma’s house in Canada.
DD: (tries a spoonful) Yuck! They don’t taste ANY good!
Me: Shall I take them out of your bowl?
DD: Yes, next time, don’t put any chips. I just want bananas and milk.

MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6522 on: July 18, 2019, 11:54:54 PM »


MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

Seems like a blessing, since most major cereal brands are bad for you.  I never understood how people love breakfast cereal so much (as opposed to cereals as a botanical term).  I ate it plenty as a kid, from the boring healthy stuff to the sugar-laden stuff.  It was fine.  It filled me up.  But I've heard people describe it as some kind of perfect breakfast.  Just don't get it.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6523 on: July 19, 2019, 12:46:41 AM »


MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

Seems like a blessing, since most major cereal brands are bad for you.  I never understood how people love breakfast cereal so much (as opposed to cereals as a botanical term).  I ate it plenty as a kid, from the boring healthy stuff to the sugar-laden stuff.  It was fine.  It filled me up.  But I've heard people describe it as some kind of perfect breakfast.  Just don't get it.

Yes, sounds like a blessing to me too. I've never understood cereal/cornflakes (Dutch, so we got bread + cheese for breakfast and our bread isn't sweet like many American breads). Muesli I can understand, but actual cornflakes? To me it's disgusting and it's super unhealthy. If I want to eat unhealthy stuff I want it to actually taste good. If I wanted dairy + sugar as my breakfast I'd just eat a chocolate bar or ice cream :p.

Freedomin5

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Re: Mustachian People Problems (just for fun)
« Reply #6524 on: July 19, 2019, 02:04:27 AM »


MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

Seems like a blessing, since most major cereal brands are bad for you.  I never understood how people love breakfast cereal so much (as opposed to cereals as a botanical term).  I ate it plenty as a kid, from the boring healthy stuff to the sugar-laden stuff.  It was fine.  It filled me up.  But I've heard people describe it as some kind of perfect breakfast.  Just don't get it.

Yes, sounds like a blessing to me too. I've never understood cereal/cornflakes (Dutch, so we got bread + cheese for breakfast and our bread isn't sweet like many American breads). Muesli I can understand, but actual cornflakes? To me it's disgusting and it's super unhealthy. If I want to eat unhealthy stuff I want it to actually taste good. If I wanted dairy + sugar as my breakfast I'd just eat a chocolate bar or ice cream :p.

I haven’t eaten cold cereals in a while and to be honest, when I tasted it, it tasted like it’s supposed to taste, but it also tasted a bit...odd.

Greenback Reproduction Specialist

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Re: Mustachian People Problems (just for fun)
« Reply #6525 on: July 19, 2019, 09:44:31 AM »
Anxiety over having serious FU money and just hitting a bare bones minimum FIRE threshold, but wanting to get to our real FIRE goal, but realizing we could just stop now, but if we did then we couldnt get the house we really want in the areas we really want to live or have to sacrifice the income, but we are only getting older each year and sailing around the world is totally doable, but would we really enjoy sailing enough to make the full circumnavigation and if not we wouldnt have enough to full FIRE when we got back but we would still be FI, but really..... we dont need all that fancy stuff we could just go live back in the mountains and rent the house out, but we would really like all that fancy stuff and whats a few more years in the grand schem of things, but I'm not even sure my job is secure here for a few more years, but I've been saying that since I took the position 3 yrs ago..... Its so close!!!

BicycleB

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Re: Mustachian People Problems (just for fun)
« Reply #6526 on: July 19, 2019, 10:07:07 AM »
Anxiety over having serious FU money and just hitting a bare bones minimum FIRE threshold, but wanting to get to our real FIRE goal, but realizing we could just stop now, but if we did then we couldnt get the house we really want in the areas we really want to live or have to sacrifice the income, but we are only getting older each year and sailing around the world is totally doable, but would we really enjoy sailing enough to make the full circumnavigation and if not we wouldnt have enough to full FIRE when we got back but we would still be FI, but really..... we dont need all that fancy stuff we could just go live back in the mountains and rent the house out, but we would really like all that fancy stuff and whats a few more years in the grand schem of things, but I'm not even sure my job is secure here for a few more years, but I've been saying that since I took the position 3 yrs ago..... Its so close!!!

@Greenback Reproduction Specialist, I can totally sympathize! I feel like I've experienced a similar situation, except that I lost the job right at the start of that phase and never got another. Still in thin FIRE!

Strictly speaking, details are different, because I didn't realize thin FIRE was a thing when I lost the job. So there was a bigger fear phase at first. Maybe my MPP is stretching examples a bit too far because of having the free time to do so.  :)

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Re: Mustachian People Problems (just for fun)
« Reply #6527 on: July 19, 2019, 11:32:47 AM »
Anxiety over having serious FU money and just hitting a bare bones minimum FIRE threshold, but wanting to get to our real FIRE goal, but realizing we could just stop now, but if we did then we couldnt get the house we really want in the areas we really want to live or have to sacrifice the income, but we are only getting older each year and sailing around the world is totally doable, but would we really enjoy sailing enough to make the full circumnavigation and if not we wouldnt have enough to full FIRE when we got back but we would still be FI, but really..... we dont need all that fancy stuff we could just go live back in the mountains and rent the house out, but we would really like all that fancy stuff and whats a few more years in the grand schem of things, but I'm not even sure my job is secure here for a few more years, but I've been saying that since I took the position 3 yrs ago..... Its so close!!!

Excellent post! I hope you don't mind, I'm linking this over to a thread on Post Fire!
https://forum.mrmoneymustache.com/post-fire/what-did-those-last-few-years-before-fire-look-like-for-you/msg2420665/#msg2420665

GreenToTheCore

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Re: Mustachian People Problems (just for fun)
« Reply #6528 on: July 19, 2019, 04:22:10 PM »
A few annoying people keep biking past my house over the sidewalk rather than biking the extra 10 yards to use the bike path.

I'm intrigued by this. Generally it's much more pleasant to cycle on a bike path than a sidewalk.
This might be a case where design is influencing behaviors. It would be great to figure out the motivation behind the behavior. Maybe there's another path that ends onto this sidewalk, or the other path is inconvenient to enter, etc. When you observe the surrounding area do you see any triggers and then maybe you can make improvement suggestions to the city?

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6529 on: July 21, 2019, 12:00:00 AM »
A few annoying people keep biking past my house over the sidewalk rather than biking the extra 10 yards to use the bike path.

I'm intrigued by this. Generally it's much more pleasant to cycle on a bike path than a sidewalk.
This might be a case where design is influencing behaviors. It would be great to figure out the motivation behind the behavior. Maybe there's another path that ends onto this sidewalk, or the other path is inconvenient to enter, etc. When you observe the surrounding area do you see any triggers and then maybe you can make improvement suggestions to the city?
Nah, people are just too lazy. The bike path and pedestrian path are both equally comfortable to bike on (both have paving stones) but the path by my house saves them 3 seconds to get to the same destination.

The roads in my city block are fairly angular and go around the houses, the sidewalks go through the parts where there are no roads. Following the bikepath with the road is almost as fast but appearently people think they have a right to use the sidewalk because they perceive it as faster.
Had a bit of a row with a bicyclist last week too. She biked across the sidewalk with face glued to the screen. Said something about it along the lines of "you're going to run into some kids" to which she replied she wasn't that dumb, face still glued to the phone.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6530 on: July 21, 2019, 12:43:36 AM »
Damn we have these things in the US. They are usually kinda asinine but maybe would drive home your point when it gets run over


Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6531 on: July 21, 2019, 02:14:01 AM »
Damn we have these things in the US. They are usually kinda asinine but maybe would drive home your point when it gets run over


We have them here, too but they don't really work. Unles you roll one in front of his bike at which point you'd have to pay for his damages and you'd be the guilty patry rather than bringing him som respect for the rules.

The biggest issue is that my kids can run out the yard onto said sidewalk when a bicyclist or moped drives by. No matter how good you are, you can't dodge a kid that jumps in front of you with less than a meter to react. And with most, the eyes are glued to their phones so they can't react at all.

dragoncar

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Re: Mustachian People Problems (just for fun)
« Reply #6532 on: July 21, 2019, 11:11:56 AM »
Damn we have these things in the US. They are usually kinda asinine but maybe would drive home your point when it gets run over


We have them here, too but they don't really work. Unles you roll one in front of his bike at which point you'd have to pay for his damages and you'd be the guilty patry rather than bringing him som respect for the rules.


The biggest issue is that my kids can run out the yard onto said sidewalk when a bicyclist or moped drives by. No matter how good you are, you can't dodge a kid that jumps in front of you with less than a meter to react. And with most, the eyes are glued to their phones so they can't react at all.

Is it legal for them to ride on the sidewalk?

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6533 on: July 21, 2019, 12:42:53 PM »
Damn we have these things in the US. They are usually kinda asinine but maybe would drive home your point when it gets run over


We have them here, too but they don't really work. Unles you roll one in front of his bike at which point you'd have to pay for his damages and you'd be the guilty patry rather than bringing him som respect for the rules.


The biggest issue is that my kids can run out the yard onto said sidewalk when a bicyclist or moped drives by. No matter how good you are, you can't dodge a kid that jumps in front of you with less than a meter to react. And with most, the eyes are glued to their phones so they can't react at all.

Is it legal for them to ride on the sidewalk?
Yes, it's also illegal to bike with a cellphone in hand since this month.

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6534 on: July 22, 2019, 02:09:50 AM »
Could you put some big heavy flower pots on the sidewalk, in a way that forces them to slow down? Like in a zig-zag pattern?  That would at least slow them down so they're less dangerous and in the best case they would figure out the road is quicker.

I'm afraid though that there's not much else you can do. I used to have a neighbour who'd spray water at people cycling next to his house where it wasn't allowed, and he was the most hated guy on the block.

Trifele

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Re: Mustachian People Problems (just for fun)
« Reply #6535 on: July 22, 2019, 03:21:28 AM »
@Alfred J Quack -- How fast are these cyclists going?  Maybe ask your biggest friend to walk around on the local sidewalks to train the cyclists?   "Oh sorry you crashed.  I didn't see you, because you know this is a sidewalk."

Or put up a sign that says "Riding on the sidewalk is dangerous.  I'm photographing you and sending them to the police."  As @Imma says, the cyclists might hate you, but the neighborhood parents might be grateful.

TinyAcorn

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Re: Mustachian People Problems (just for fun)
« Reply #6536 on: July 22, 2019, 04:42:09 AM »
When my brother was 3years old he stepped out of a friend's driveway onto the pavement (sidewalk) and was hit by a teenager on his bicycle - he spent 3 days in hospital with concussion (from my recollection - forgive me, I was 8!) 

I can't bear to see cyclists on the pavement - love cycling (not a cyclist hater!) just not whizzing by where kids can get bowled over,

There's also the chance that a kid could be knocked INTO the road in one of these types of collisions...

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6537 on: July 22, 2019, 05:19:11 AM »
Could you put some big heavy flower pots on the sidewalk, in a way that forces them to slow down? Like in a zig-zag pattern?  That would at least slow them down so they're less dangerous and in the best case they would figure out the road is quicker.

I'm afraid though that there's not much else you can do. I used to have a neighbour who'd spray water at people cycling next to his house where it wasn't allowed, and he was the most hated guy on the block.
Nope, public sidewalk so I could get fined for that. And I don't like to be that guy, people wouldn't pay heed to it anyway.

@Alfred J Quack -- How fast are these cyclists going?  Maybe ask your biggest friend to walk around on the local sidewalks to train the cyclists?   "Oh sorry you crashed.  I didn't see you, because you know this is a sidewalk."

Or put up a sign that says "Riding on the sidewalk is dangerous.  I'm photographing you and sending them to the police."  As @Imma says, the cyclists might hate you, but the neighborhood parents might be grateful.

5 tot 10 km/h, but the mopeds usually go between 25-30km/h which is worse.

If I were to photograph them, the police or city would come once, maybe twice and conclude that they can't really do anything. Most people aren't stupid enough to bike on the sidewalk when the police is watching...

Imma

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Re: Mustachian People Problems (just for fun)
« Reply #6538 on: July 23, 2019, 01:53:42 AM »
We live in a country where tap water tastes as good or even better than bottled water, so we are used to drinking a lot of it. We are on vacation now in a country where tap water is safe to drink but disgusting (chlorinated) so we are buying a lot of bottled water now. Bottled water is very cheap here but I hate this inefficiency of having to buy water when there's water coming from the tap that is made undrinkable on purpose. And bottles aren't recycled here either.

marty998

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Re: Mustachian People Problems (just for fun)
« Reply #6539 on: July 23, 2019, 04:23:35 AM »
We typically eat oatmeal for breakfast. It’s cheap and filling and delicious. Well, we just moved into a fancy serviced apartment, and in the  “welcome to the neighborhood” gift basket was a box of cornflakes. Cornflakes are very expensive here, as are most “American” foods.

The following conversation ensued when I tried to serve 5-year-old DD a bowl of Kellogg’s cornflakes with milk and sliced bananas (the quintessential North American breakfast).

DD: What are those? Are they chips?
Me: No, they’re cornflakes.
DD: Do I like them?
Me: I don’t know. You liked Cheerios when you were a baby. We used to eat Cheerios and milk and bananas at grandma’s house in Canada.
DD: (tries a spoonful) Yuck! They don’t taste ANY good!
Me: Shall I take them out of your bowl?
DD: Yes, next time, don’t put any chips. I just want bananas and milk.

MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

Cornflakes!

https://en.wikipedia.org/wiki/John_Harvey_Kellogg

I could never eat another Kelloggs cereal after reading up on the man.

As well as being somewhat of an anti-vaxxer, he also had some horrific views about sex and the evils of self-pleasure. I won't copy and paste it here (honestly it's too outrageous) but you can read up on the section titled "views on sexuality".

There is a train of thought that his puritanical views went so far as to design the corn flake to be so bland that it would depress the nervous system, and thus ensure teenagers would never be sexually aroused....

Sugaree

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Re: Mustachian People Problems (just for fun)
« Reply #6540 on: July 23, 2019, 04:34:56 AM »
We typically eat oatmeal for breakfast. It’s cheap and filling and delicious. Well, we just moved into a fancy serviced apartment, and in the  “welcome to the neighborhood” gift basket was a box of cornflakes. Cornflakes are very expensive here, as are most “American” foods.

The following conversation ensued when I tried to serve 5-year-old DD a bowl of Kellogg’s cornflakes with milk and sliced bananas (the quintessential North American breakfast).

DD: What are those? Are they chips?
Me: No, they’re cornflakes.
DD: Do I like them?
Me: I don’t know. You liked Cheerios when you were a baby. We used to eat Cheerios and milk and bananas at grandma’s house in Canada.
DD: (tries a spoonful) Yuck! They don’t taste ANY good!
Me: Shall I take them out of your bowl?
DD: Yes, next time, don’t put any chips. I just want bananas and milk.

MY MPP is that DD doesn’t recognize any major cereal brands and doesn’t know how to eat *normal* breakfasts. She’ll be the weirdo eating a bowl of sliced bananas swimming in milk when she’s attending sleepover summer camps.

Cornflakes!

https://en.wikipedia.org/wiki/John_Harvey_Kellogg

I could never eat another Kelloggs cereal after reading up on the man.

As well as being somewhat of an anti-vaxxer, he also had some horrific views about sex and the evils of self-pleasure. I won't copy and paste it here (honestly it's too outrageous) but you can read up on the section titled "views on sexuality".

There is a train of thought that his puritanical views went so far as to design the corn flake to be so bland that it would depress the nervous system, and thus ensure teenagers would never be sexually aroused....

Which is ironic coming from a man who had 17 children.

Alfred J Quack

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Re: Mustachian People Problems (just for fun)
« Reply #6541 on: July 23, 2019, 05:09:04 AM »
Which is ironic coming from a man who had 17 children.
I disagree, the people with the strictes views on sexuality usually have lots of children because they are also against preventative measures.

They are also, most often, the communities where sexual abuse is ignored or hidden which enables the abuser to run rampant.

Zoot

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Re: Mustachian People Problems (just for fun)
« Reply #6542 on: July 23, 2019, 07:49:18 AM »
Which is ironic coming from a man who had 17 children.

According to the Wikipedia article, it looks like it was John Harvey Kellogg's dad (John Preston Kellogg) who had the 17 children:

"In addition to six children from his first marriage, John Preston Kellogg had 11 children with his second wife Ann, including John Harvey and his younger brother, Will Keith Kellogg."

John Harvey Kellogg and his wife had no biological children, but lots of foster and adopted children:

"Kellogg followed Adventist views in favor of celibacy. The couple maintained separate bedrooms and did not have any biological children. However, they were foster parents to 42 children, legally adopting at least seven of them, before Ella died in 1920."

It's STILL weird, though.  :)




Just Joe

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Re: Mustachian People Problems (just for fun)
« Reply #6543 on: July 23, 2019, 09:57:12 AM »
Cornflakes!

https://en.wikipedia.org/wiki/John_Harvey_Kellogg

I could never eat another Kelloggs cereal after reading up on the man.

As well as being somewhat of an anti-vaxxer, he also had some horrific views about sex and the evils of self-pleasure. I won't copy and paste it here (honestly it's too outrageous) but you can read up on the section titled "views on sexuality".

There is a train of thought that his puritanical views went so far as to design the corn flake to be so bland that it would depress the nervous system, and thus ensure teenagers would never be sexually aroused....

There was a comedy movie about the man too.

https://en.wikipedia.org/wiki/The_Road_to_Wellville_(film)

I watched it pre-internet and lacked the details to fill in the story gaps. Years later I read up on the man and was surprised to see what an eccentric person he was. Funny how much gets left out of the mainstream public school version of American history.

Lichen

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Re: Mustachian People Problems (just for fun)
« Reply #6544 on: July 24, 2019, 11:26:15 AM »
My MPP: We downsized from a 2200 sq ft house with a full yard to a 700 sq ft apt with a small deck. Previously, I could be a total slob around the house and still hit 5000 steps just from walking up & down the stairs, to the kitchen, the bathroom, etc.

Now, everything is within a few steps of where ever in the house I happen to be. Even the laundry room and mailboxes are only 5 steps from the front door. Being a lazy slob is lucky to net me 1000 steps for the day, so I actually have to make a concerted effort on lazy days to leave the house and go for a walk so I don't actually become a potato.

But hey, cutting living expenses nearly in half should give me more free time to explore/run errands on foot!

Parizade

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Re: Mustachian People Problems (just for fun)
« Reply #6545 on: July 24, 2019, 11:39:39 AM »
Oh yes @Lichen, this is a real thing! I can walk from my little condo to the grocery store, post office, library, and bar before going home again and not get 2000 steps.

Hirondelle

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Re: Mustachian People Problems (just for fun)
« Reply #6546 on: July 24, 2019, 12:19:15 PM »
Oh yes @Lichen, this is a real thing! I can walk from my little condo to the grocery store, post office, library, and bar before going home again and not get 2000 steps.

Same problem here. Work is a 10 min walk away and the grocery store is on the way. House is tiny so even 500 steps to/from the kitchen and the bathroom means I probably had some tummy issues that day.

I do quite a bit of organized sports and like going for occasional walks so I'm no potato yet fortunately :)

fat-johnny

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Re: Mustachian People Problems (just for fun)
« Reply #6547 on: August 05, 2019, 12:08:12 PM »
Local bank is offering $400 signup bonus for checking account.  Must deposit $500, and have $500 worth of ‘action” per month to avoid $7 monthly fee.  $400 deposit is immediate, must keep account open for 6 months.

I go in to sign up, loan officer (LO) and I have two weird moments:

LO:  Do you own your own home?
Me:  No, not yet…..3 more years.
LO:  Umm…what?
Me:  I have a home, with a mortgage on it, for three more years.  Then I will own it.

I overthunk it, like a mustachian.  I think it would be easier if she had asked  “Do you rent….or own your own home?”.


Then:
LO:  Do you have credit cards?
Me:.  Yes.
LO:  What is the interest rate?
Me:  I am not sure.  I don’t pay interest, I pay them off in full every month.
LO:  Ok….noted.  next question…..do you spend more or less than you make every month?
Me:  Umm….<laughing>….I spend less money than I make.  If I spent more, that really wouldn’t last that long, would it.  Like if I make $4k a month, but I spend $6k…how long do you thinking one could sustain that??
LO:  <blank stare>

Alternatepriorities

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Re: Mustachian People Problems (just for fun)
« Reply #6548 on: August 05, 2019, 12:46:38 PM »
LO:  Ok….noted.  next question…..do you spend more or less than you make every month?
Me:  Umm….<laughing>….I spend less money than I make.  If I spent more, that really wouldn’t last that long, would it.  Like if I make $4k a month, but I spend $6k…how long do you thinking one could sustain that??
LO:  <blank stare>

This is epic! So obvious yet so hard to convey...

jps

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Re: Mustachian People Problems (just for fun)
« Reply #6549 on: August 05, 2019, 12:48:17 PM »
LO:  Ok….noted.  next question…..do you spend more or less than you make every month?
Me:  Umm….<laughing>….I spend less money than I make.  If I spent more, that really wouldn’t last that long, would it.  Like if I make $4k a month, but I spend $6k…how long do you thinking one could sustain that??
LO:  <blank stare>

You mean to tell me I could be spending MORE money than I make??? Here I was, thinking I was bound by my salary.