Rants and WTF are you talking about and Coronavirus!

[Pistons]

That's an American way of thinking. In Europe, pools are absolutely not the norm. Lawn maintenance is done by the owner. By the way, private pools everywhere are also a very good way to strain the planet even more.

Depends where you live. Where I live, it's raining 2.5 meters a year in average, so no water shortages at all.

Also, with good desalination everywhere, it wouldn't be much of a problem. However, I do read about chloride supply issues, but I'm sure there are workarounds there too! As in not using such a terribly toxic solution that is. I instantly think of lazers, or lazer raptors!

[Sirioja]

So Swiss clubs already open. Austria in May. Are clubs in Spain already open? Czech? We're waiting on you Germany!

Are all you other vaccinated people enjoying that new third testicle? Maybe it's just a blood clot growing in my groin.

Nobody know yet for Austria, even I m pretty sure on Summer. If You believe what tell brothels. Like nobody know for Germany. 7 clubs are open in Switzerland but not ZH which is main Swiss brothel, some also in Spain. Vaccine won t be enough but also negative test and maybe also quarantine, when You can still spread when vaccined and not even sure efficient versus mutants.

[HammerTime96]

I can't believe that some idiots want the Indians to starve to death.

The Globalist Technocratic Fascists, the INTER-National-Socialists want that! "Impfen macht Frei" is their motto, and just like 80 years ago, it's a big lie!

Look at the National-Socialists and their "science" from the 1930's. Back then it was called "Eugenics," and the Germans referred to it as "Racial Hygiene" and just like in 2021, the Germans firmly believed it! They swallowed this new "science," hook, line and sinker! https://en.wikipedia.org/wiki/Nazi_eugenics.

They even had real "doctors" and "studies" to support their absurd claims: https://en.wikipedia.org/wiki/Josef_Mengele.

Then came the DDR and communism, and again "science" replaced common sense, because the "old-fashioned" laws of demand and supply were to be replaced with the "science" which was called "Central Planning. " We all know how good communism was for the world, just look at the bankrupt USSR, DDR, and look at the millions of deaths in Stalin's, Pol Pot's and Mao's concentration camps!

Now we're heading for the next "-ism" and again all the dumb people blindly follow the propaganda and the "science."

So we've had Das Kapital from Karl Marx, we've had Mein Kampf from Adolf-you-know-who, and now we have "Ze fourz Industrial Refoluzion" by Klaus Schwab!

Every time it's those fucking Germans, and every time the not-so-bright blindly follow it "because it's different this time."

[Sirioja]

GT is reopening 19 May.

They tell with FFP2 and negative test, but let s see reality for their reopening, when we can remember for Finca which never reopened or Artemis which did but later than told. They will reopen only when they will be allowed, and I don t think anything is planned yet for brothels in Austria. Massimo is our specialist on Austrian threads. Reopening was only on beginning of July on last Summer with no mutants, when we have 3 now. No mask nor test on enjoyable discovery when I won t drive for hospital atmosphere, when just waking up after operation, I say I want to go home, signing paper and leaving whatever pain I don't care about.

[PaulInZurich]

Thank you for confirming that you yourself agree that you are an idiot.

[BigBuddy69]

BTW, lawn maintenance, fertilizer, pool maintenance etc are not luxuries. If you buy a decent house, they come with it and then unless you maintain them well, your house value degrades fast; if your lawn has weed and spreads to your neighbor's, he will pick a fight.

That's an American way of thinking. In Europe, pools are absolutely not the norm. Lawn maintenance is done by the owner. By the way, private pools everywhere are also a very good way to strain the planet even more.

[Pistons]

Take a look at France and see what's happens when you implement lockdowns.

Unemployment up, national debt way up, bankruptcies up, mental health problems up and COVID-19 related deaths way up.

That's what we call an epic failure.

I can't believe that some idiots want the Indians to starve to death.

Most central banks around the world have already increased the money supply in advance of massive UBI checks in February, March and April. Next week Biden will be the first to usher it in in the USA. Not like that guy is anything more than a puppet. He can't even walk up stairs. I guess in Scandinavia we've had some sort of that for awhile. But it will be different with UBI. Most central banks are hiding their M1, M2 etc figures now. But you can find US and Japanese figures for example. Expect the same in France and India. And then it will calm down. Food production and logistics can easily be automated.

[Pistons]

And the Brazilian?

First analyzed by Mursenary and BigB in their high tech offices on top of the World Trade Center.

[Pistons]

Take a look at what is happening in India and see what happens when you let the number of cases go up uncontrollably.

As was expected?

They tried restrictions in India at the start of this. But result was pretty much that more people died due to the restrictions than from covid. Just have a look at how crowded public transport is in India! People died walking 400 miles back to their village due to starvation because the busses weren't allowed to run. And they needed food because there were no basic income checks.

[Mursenary]

UK, south African and Brazilian were not born in continental Europe, when they did spread elsewhere before spreading and killing in our continent. And not sure vaccines are now efficient versus these mutants.

No one here can know this. Just like Rocky mentioned, the variants are only named after the locale from which they were discovered. Links to adequate efficacy of vaccines to those variants (although perhaps less efficacious) have already been pasted despite the poster's repeated claims suggesting otherwise.

[Mursenary]

GT is reopening 19 May.

So Swiss clubs already open. Austria in May. Are clubs in Spain already open? Czech? We're waiting on you Germany!

Are all you other vaccinated people enjoying that new third testicle? Maybe it's just a blood clot growing in my groin.

[Mursenary]

RE: Not having first world habits and ability to delay instant gratification. This type of financial discipline can also be deployed by immigrants to save money for their luxury purchases. Eat nothing but instant noodles and have six roommates, then purchase the latest iPhone, or luxury watch, purse, used-BMW. So it can be both extremes of frugal and frivolous. Although this would usually be immigrants (aged 20-40) who still crave social status. Senior citizen immigrants stop caring at some point.

Good point, some immigrant cultures can be very materialistic also. But just like black American culture, buying $150 Jordans is a drop in the bucket compared the cost of $2000 per month for putting your kid in the fancy day care.

Point is, immigrants still find a way to "flex" back home. In the old days, that was just building a big house near all the shacks. Now it is via social media.

Funny how the reverse flex can be seen today with the millennial's minimalist, travel lifestyle Instagram account.

Migrant workers who work in a rich country and send money back home are probably the ultimate money-saving hack. Since they are transient it makes no sense to accumulate material possessions. So they can live in a high-wage city, then share cramped quarters with their countrymen to offset the high-rent. Food can also be purchased in bulk to cut costs. Just make a trip to Frankfurt main station and you can see this immigrant communal mindset at work: old Sprinter vans with Romanian license plates, workers trying to get a ride back home or to their next job location in Western Europe, people picking up sending packages. The difficulty for the migrant is just figuring out how to safely and cheaply get their cash back home.

Migrants take that shit to a whole other level. Then again, I've recently spent a week sleeping in a Korean spa with a sleep room for $30 per day rather than opting for a $100/ night hotel room. #ContractWorkerLife.

[Mursenary]

"Caucasians at $1 M, I could see living frugally. Seems like there are enough millennial (mostly Caucasians) attempting this for it to be classified as a movement. " -Yes, but they are not there yet, are they? When they get to that level and still live frugally, we can have a discussion. Even as they reach half that level, their temptations will kick in and mindset will change. "Ah, I have $500 K in the bank, let me buy this or that" -- it starts with small purchases, feels good, they rationalize it and before you know it new habits are formed.

I'm a millennial. I have that much in the bank (well, not in cash just sitting and depreciating). I still live pretty frugal. Not van-life but a modest sub $200 K house in a blue collar neighborhood in a southern city with a car worth less than $10 K.

Small sample size, but two of the three people involved in this sub-thread meet these conditions yet live very frugal. You know anything about that yourself McA? How much is your rent again? Cheap bastard, LOL.

I think this string of posts where things like lawn maintenance expense is deemed anything more than a luxury just reinforces my opinion regarding the financial priorities of various socio-economic demographics. I'm not even saying that American-born people need to live like frugal immigrants. I'm just saying that the opportunities Americans are afforded makes it pretty easy for people with non-American lifestyle expectations to make a comfortable life for themselves. You don't have to live off of $15 K, that's just an old world mindset of previous generations, but their habits are passed on to their children and some frugality remains instinctual. I suspect that is one reason why many native-born Americans never become financially secure. Without the third world thirst but instilled with first world spending norms and expectations, they spend on things deemed necessities when to the really impoverished populations, those are still luxuries.

[McAdonis]

These examples get played up in the media because they are not common and sound exotic. Many millennials are actually not in a super great situation. Many of them came into working age population in the 2008-12 time frame and did not find proper first jobs and there is a ton of research that shows that if you are unlucky to come into employee pool in a bad year, it does set you back. Of course there will be exceptions but that is the general trend.

Yes, but they are not there yet, are they? When they get to that level and still live frugally, we can have a discussion. Even as they reach half that level, their temptations will kick in and mindset will change. "Ah, I have $500 K in the bank, let me buy this or that" -- it starts with small purchases, feels good, they rationalize it and before you know it new habits are formed.

Yes, due to the misfortune of being born at the wrong time, many millenials will not have reached their $1 M retirement target But working towards that target trains their "saving" muscle. And gives them an idea of what they can comfortably live on without feeling deprived. I believe the formula is to save at least 50 percent of their pre-tax income per year. So a married couple making a combined $200 K, should aim to save $100 K per year, which means trying to live on $45 K per year. Ultimately, they need to readjust to find a living standard that is sustainable over the long run: https://www.forbes.com/sites/jrose/2...-all-50-states.

It might take them 15-20 years to hit their retirement number. That is 15-20 years of practicing a minimalist lifestyle, and I suspect by that time those money-saving habits will have become second nature, and continuing the minimalist lifestyle even after they hit their retirement number should not be an issue. Ofc, some people will do FIRE for three years, and then return to consumerism. But that will happen with any lifestyle change. To me it is sort of like saying a large portion of obese people who diet, always gain 100 percent of their weight back. It's hard to predict what will change in 15-20 years: salary stagnation, stock market, higher taxes, inflation. Like any financial plan, the couple practicing FIRE would need to continually reassess.

[Mursenary]

Keeping the personal aspect of mother aside;

The rest of the items on my list: if someone already had millions, they would not live that frugal lifestyle, unless extremely miserly.

Low six figures as unmarried or even $200 K as a married couple with possibly one or two kids living normally will not cut it to become a millionaire. Here millionaire is someone who thinks they are reasonably wealthy, not about strictly having one million

BTW, lawn maintenance, fertilizer, pool maintenance etc are not luxuries. If you buy a decent house, they come with it and then unless you maintain them well, your house value degrades fast; if your lawn has weed and spreads to your neighbor's, he will pick a fight.

A woman who is making very nice money on her own will not put up w / that; it is not just keeping up w / Joneses, more a natural evolution of thinking and circumstances. You can't make these statements unless you have experienced the situation. .

That mother example was not to be personal. It is just an example of numbers I know directly. There are likely hundreds of thousands of second generation immigrants who have first generation parents with much the same expense sheet.

No one is saying 1 million is wealthy. It is just a milestone point. Again, this conversation started with immigrants coming over to the US. And for someone whose family had nothing, $1 million is a big milestone that certainly signals that you are not living in poverty. That's all.

Yes living that frugal sounds miserable to you and I, but that's because we grew up with certain expectations. But we are talking about people who grew up shitting outside where cleaning your ass means spraying it with a garden hose. Hell that's how I cleaned my ass up til the age of 6. Different expectations for people from different backgrounds.

To understand, you have to change the lens in which you view life. Regarding people immigrating here to make 7 figures and old first generation retirees, why are we even talking about dating upper middle class white women and home property values? Pulling upper middle class women is not the top concern for immigrants. Home depreciation is not either. Hell, we had a lawn that was 50/50 dirt and grass. There were no trimming of hedges, just a chain linked fence keeping the neighbor's pit bull from chomping on a kid's neck. First gen immigrants are not exactly dating McKaylas and Britneys with Gucci sunglasses and Patagonia vests. Hell, even if he spent the cash, social class intangibles makes that not likely anyway.

As for 200 K having to live frugal to get to millions, that's not even necessary. Literally, a 30 year old married couple making 200 K annually only needs to save 10% per year invested at a modest 7% annual return, that alone is $2,600,000 by the time they are 65. And that's not factoring any rise in income whatsoever. That's millions by saving only 10%.

Are you saying that 10% savings is too much to ask for the 200 K couple? Does that even require frugality? If you are saying it does, that's quite a truckload of bull-fertilizer.