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Old 05-15-2016, 10:31 PM   #21
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The bank branch where I deposited my first few dollars is remarkably still a bank, still operating under the same name too. Took me years to understand why they would pay me interest while safely locking away my George Washingtons in their vault.
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Old 05-16-2016, 09:30 AM   #22
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Join Date: May 2016
Location: Orange County Ca
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Quote:
Originally Posted by samclem View Post
Oh, yeah, I remember it well.
Me: "Collecting for the Tribune!"
Customer: "Oh. Do you have change for a fifty?"
What I wanted to say: Yes, I make about $30 per month delivering these papers, so it is entirely normal for me to carry around a month-and-a-half's pay in my pocket. Lady, have you got change for thousand dollar bill?


I was very conscientious. I had a lot of hills on my route, and one very large hill had just a single customer on it--at the top. I tried to get "starts" on that street, but nobody wanted the paper. I was climbing that dang hill every day for that one customer--two cents per day. And no tip. Well, after about a year I began trying to get them to quit--I threw the paper on the roof, in any standing water, gave 'em the paper from the top of the bundle (kinda torn up).--they'd never quit, they'd just call and complain. I suppose it served me right.

Ahh, the feel of a snapped rubber band on nearly frozen fingers while folding papers on a winter morning. Spicy language ensued . . .

Welcome to the board!

I can totally relate to hill thing. My route was along the San Francisco Peninsula in the hills above the SF airport. Pretty much all hills with multiple dips down into canyons all along the way. I was probably in the the best shape of my life lugging the heavy front/back canvas paper carrier on a one speed bike I wouldn't mind transposing that fitness into my current life!
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Old 05-16-2016, 11:54 AM   #23
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I remember my passport savings book very well. Probably still have it somewhere.

I also remember my Great Grandma giving me a cardboard savings card. Pretty sure it was shaped like a pig. When you opened it up there were 40 slots for quarters. You would fill up the card and deposit your $10 at the bank.
Man, were times much simpler then.
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Old 05-16-2016, 12:16 PM   #24
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And thanks for the recommendation on the Crab Cooker. The wife and I are leaving for Newport Beach tomorrow morning for a week. Definitely looking for places to eat.
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Old 05-16-2016, 12:58 PM   #25
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Welcome, SpinDr!

I too had a savings account as a kid growing up in England. It was with the local Building Society. They provided me with a piggy bank, into which I saved a set amount from my allowance each week. The piggy bank was made of brass, shaped like a book, and covered with a faux leather material. It gave the whole business of saving a certain air of gravitas, which the more traditional classic porcelain piggy can't really match. The slot through which the coins dropped was surrounded with small hinged "teeth" that only swung one way, meaning that whatever was deposited into the piggy bank didn't come out.

Well, it didn't come out in theory, but they weren't reckoning with a teenage boy who, always in need of just a few more quid, had discovered that a knife blade, or other thin piece of metal, could hold the teeth open for long enough to allow coins to fall back out of the piggy bank. It took me a while to learn and perfect the exact physical technique required and because it was a learned skill, I convinced myself that, in some way, I was actually earning the money.

At the age of 18, when sole ownership of the account transferred to me, I promptly withdrew the entire amount of 345 and used it to fund a 3-week camping trip with my then girlfriend to a small Greek island. I don't know if my parents knew how I'd funded the trip and for a while after, I did feel a bit guilty about it. I have since come to realize that what was important was not the actual money, but the lesson of the usefulness of saving. I began saving again in my late 20's, a habit which led to my ER.

The Greek trip was fantastic. It was my first big "huzzah!" as a newly-independent young man, and the experience was worth every penny. There is a lesson there, which I should heed, because I need to get back to that 18 year-old kid who was having the time of his life, instead of hoarding all his pennies.
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Old 05-16-2016, 04:36 PM   #26
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Yeah, I remember depositing the paychecks from my college job at my bank and watching the teller enter each deposit on a new line in the passbook. I don't suppose many people too much younger than me remember that.
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"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

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Old 05-18-2016, 09:17 AM   #27
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Originally Posted by Major Tom View Post
Welcome, SpinDr!

I too had a savings account as a kid growing up in England. It was with the local Building Society. They provided me with a piggy bank, into which I saved a set amount from my allowance each week. The piggy bank was made of brass, shaped like a book, and covered with a faux leather material. It gave the whole business of saving a certain air of gravitas, which the more traditional classic porcelain piggy can't really match. The slot through which the coins dropped was surrounded with small hinged "teeth" that only swung one way, meaning that whatever was deposited into the piggy bank didn't come out.

Well, it didn't come out in theory, but they weren't reckoning with a teenage boy who, always in need of just a few more quid, had discovered that a knife blade, or other thin piece of metal, could hold the teeth open for long enough to allow coins to fall back out of the piggy bank. It took me a while to learn and perfect the exact physical technique required and because it was a learned skill, I convinced myself that, in some way, I was actually earning the money.

At the age of 18, when sole ownership of the account transferred to me, I promptly withdrew the entire amount of 345 and used it to fund a 3-week camping trip with my then girlfriend to a small Greek island. I don't know if my parents knew how I'd funded the trip and for a while after, I did feel a bit guilty about it. I have since come to realize that what was important was not the actual money, but the lesson of the usefulness of saving. I began saving again in my late 20's, a habit which led to my ER.

The Greek trip was fantastic. It was my first big "huzzah!" as a newly-independent young man, and the experience was worth every penny. There is a lesson there, which I should heed, because I need to get back to that 18 year-old kid who was having the time of his life, instead of hoarding all his pennies.
That is a trip that my wife and I have on a short list when I have some more time to travel. It is exactly that kind of trip that has me thinking more aggressively about RE.

Many years ago when we were living in New Jersey we put together our planned goals going out about 20 years. Things as mundane as future car purchases all the way to getting our kids through college. For the most part we hit most of those goals including the financial ones. The big miss, though, was doing quality vacations. It was not really a money issue but more a time issue.

My buddies that ran their own businesses seemed to have the ability to travel while my MegaCorp jobs always made it really tough to travel more than a week to ten days. My wife is a teacher, that will likely work a few years past my retirement, but will have a much better work schedule for traveling so her job is not a barrier.

So, I'm with you, in thinking about creating more "time of my life experiences" in the near future. Thank you for the nice welcome to the community!
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