March’s (Financial) Retard of the Month

 

Trent Hamm bought the horns and codpiece at a yard sale. And used a Groupon.

Trent Hamm bought the horns and codpiece at a yard sale. And used a Groupon.

 

Trent Hamm, stop being the Antichrist.

Readers, think about what you love most in the world. Sex? Beer? Malasadas? However strong you think your affection for it is, whatever it may be, your love will never compare to the animalistic lust that Trent Hamm has for adverbs.

adverbs

Every damn one of those adverbs is unnecessary, particularly Trent’s ultimate go-to word: “simply”.

Referring to the old computer he plans on getting rid of:


it’s likely time to replace it, which means that I’m starting the replacement process.

It’s not that he repeats himself, although he does (oh GOD does he) but that he’s too lazy and/or illiterate to even consult a thesaurus.

The worst part of this late-term abortion or early-term post-natal infanticide of a website is his “Reader Mailbags”, which are as fake as anything Ronaiah Tuiasosopo ever concocted on a late-night chat session with a lonely and dull-witted All-American linebacker.

That’s not a big deal – all forms of publicized reader correspondence are fake – but at least most advice columnists go to the trouble of giving their ersatz letter-writers problems that the columnists themselves don’t have. Not Trent. If it doesn’t deal with potluck dinners, board games, or finding 500 uses for a single penny, our boy’s not interested. Just look at this crap:

Q4: Leftover standby
Whenever we have leftovers of pretty much anything that’s not already a dish, I usually just chop it up, mix it with pasta sauce, and serve it as “spaghetti surprise.” This works for pretty much any kind of vegetables or meats that you have left over from a dish. We have this probably once a week and we actually kind of look forward to it because it’s a little different each time. – Keiko


We actually do this, too. We tend to save every single scrap of leftover vegetables for several different purposes, and this is one of them.
In just the last few months, I recall mixing leftover beans with pasta sauce for a meal, mixing broccoli and cauliflower with pasta sauce, and mixing leftover butternut squash with pasta sauce. I know we’ve done eggplant, too, in the fairly recent past.
Like you, we’ve found it to be kind of fun because it almost always makes an interesting and distinct meal.

”Q4”? Doesn’t the “Q” stand for “question”? Where the hell was the question? This was just an observation, the equivalent of writing “Sure is a nice day here in Sioux City. Not much else to report” to Dear Abby.

Furthermore, the structure has Trent’s 23EEEEE footprints all over it. “Keiko” used “pretty much” twice in 3 lines, which even the laziest advice-seeker wouldn’t bother doing. And again with the adverbs. “Usually”, “probably”, “actually” (another Trent crutch, although not quite as overused as “simply”), all of which are unnecessary.

We’re criticizing his limited vocabulary not because Control Your Cash is a site that focuses on English usage, but rather because Trent’s shallowness betrays him as a dishonest hack of the 1st order. Here’s another example, from the same mailbag:


Q6: Frugal solitaire activities


My job leaves me with a great deal of solitaire time. Not only do I live in a very low population area, my job is on a very weird schedule, leaving me out of sync with the few people that are in the area. I don’t like watching television much. What sorts of frugal solitaire activities can I engage in? – Eric


There are lots of things you can do. Read. Get yourself into shape. Play solitaire card games, board games, or computer games. Teach yourself a new skill you’ve always wanted to learn. Make something, and if you don’t know how, teach yourself an artistic or creative skill.
Boredom doesn’t have anything to do with whether there’s something to do or not. There’s always something to do. Boredom has to do with the person who’s bored and the choices they’re making.
There are times when I really envy the kind of position you’re in. Part of me would love to occasionally have a solitaire week or so where all I had to do was my basic work and I could spend the rest of my time catching up on personal projects.

The “letter-writer” has confused the word “solitaire” with “solitary”, a distinction that most 10-year-olds should be able to make. Fine, “Eric” is a little slow, whatever.

But then Trent makes the exact same mistake in the response. This is laziness on a whole new soporific level.

In all seriousness, we think we’ve figured out Trent’s M.O. for his useless advice columns. We know the man has zero imagination, as evidenced by his repeated references to potluck dinners and board games as the only activities of choice throughout The Simple Dollar. (Use the custom search feature on his site to see how often he uses each of those terms.) Therefore he must farm out this duty to someone trustable and easy to keep tabs on: his wife. We’d bet that he asks her to come up with 10 questions every week. Once she does, he gives them the final coat of polish that only a professional writer can apply – i.e., dropping in a surfeit of adverbs (and the word “frugal”, which we’ll get to in a minute), and editing the questions haphazardly.

Wait, we were so consumed with Trent’s atrocious form that we never got around to tearing apart his content. Just read his response to “Eric”. Is there anything in there that isn’t obvious, and did “Eric” need to consult a stranger instead of figuring the answer out on his own?

It’s the inelegant phrasing that gets us every time and keeps us coming back for more of Trent’s awfulness. “What sorts of frugal solitaire (sic) activities can I engage in?”

Who talks like that? Wouldn’t you say, “What can I do?”, or “What’s there for me to do?” Only stilted Trent “engages in activities.” And no one but Trent would reduce his poor imaginary friend’s search to activities that are “frugal.”

There’s another activity beyond the potluck dinners and the board games. Trent’s 3rd-favorite is reducing the size of his DVD collection. You think we’re joking. We are not. He’s mentioned it 153 times.

How is that even possible? How does the following thought never, not once, enter his corn-fed size 8¾ head?

“Hmmm…haven’t I written about this before? Haven’t I written about it 152 times before?”


Q10: Paring down a collection


I’ve finally decided to pare down my DVD collection (1,000 strong) to a total of 100 DVDs, then adopt a “one in, one out” approach with the remaining discs. My challenge is figuring out how to pare all of these down. How do I even go about it?

This is all from a single Reader Mailbag, by the way. But the apex of stupidity, the quintessential awful Trent Hamm Reader Mailbag question, comes from a “reader” named “Monica”, earlier in this particular collection. It’s going to require an extensive breakdown. Let us:


Q9: Family vacation property


My family is composed of my parents, their six kids, and one current and probably several future children of the third generation.

Even the worst ESL student in the country doesn’t string words together this messily. You couldn’t find a more confusing way to say that your parents are together and that you have 5 siblings, one of whom has a kid.


We love getting everyone together, but are scattered throughout the country, and our parents’ house was bursting with the eight of us growing up and is now overflowing on the rare occasion we’re able to get everyone in town.

So the house is uninhabitable because it now has one more person – presumably a toddler  – than it did when you were all living there long-term?


Over the past decade, we’ve been using graduations as a great excuse to rent a house for a week

Yes, having one extra person around – a minor, no less – seems like an excellent reason for ditching your parents’ place, which is free to stay at, so that you can spend money renting a house. Trent, where did you lose your way? Aren’t you the cat who advocated not opening your oven door because you’ll waste 2¢?


and get everyone together in that town.

Here’s another trademarked Trent maneuver – going to bizarre lengths to keep his “letter-writers’” backgrounds as grey as possible. What’s the danger in saying Bemidji or Glens Falls or Apalachicola instead of “that town”? Will we forever compromise the identity of “Monica”? Well, we do know that we can narrow down the set of Monicas to the subset of Monicas with 5 siblings and one niece or nephew. Excuse us, Monicas with 5 siblings and “one current and probably several future children of the third generation.”

We’re starting to feel like David Kaczynski must have when he read Industrial Society And Its Future and deduced that its author was his brother, the Unabomber. Another Trentism is the insistence on saying “children” instead of “kids”. We’re not sure why he’s so formal, but he can’t seem to help himself. Continuing…

We’d like to continue to come together, and have been trying to craft a long-term solution to this problem.

More clumsy phrasing, but heck…how often do 9-member families “scattered throughout the country” get together, anyway? This family is doing it far more than most.

What we’ve been half-planning on is buying land as a group, parceling it up, and developing it for vacationing in

Yeah, but how?

as we see fit.

Ah. NO ONE does the superfluous coda to a sentence quite like Trent.

The idea is that we’d have a nice place to get together that could accommodate everyone and that we could form an identity with over decades and generations.

“Form an identity with”? It’s a piece of land, not a first edition copy of The Settlers of Catan. (Joke about Trent’s proclivity for board games, for those of you who are just skimming this article, which we wouldn’t blame you for.)

Sounds nice, eh?

If you’re looking for validation from Trent, you need to keep looking.

Family, enough space for personal retreat, and the outdoors.We all have slightly different ideas for what our priorities would be, and so we’re starting to sort through those in conversation and email.

From the superfluous end of a sentence to the superfluous middle of an unending paragraph. So 8 adults want to do something in common, and their opinions are not completely uniform? Also, they’re using methods of communication to get their points across? Two methods, no less? What a wacky family.

Some possible issues are the predicted future income disparity and how that would affect people’s shares, issues with shared resources, and what happens if someone doesn’t pay their taxes, wants to opt out, or doesn’t want to take part at all. It’s probable that much of this will be put down in contracts.

Nothing is used like the passive voice is by Trent. Rather than have a sentence be propelled forward by active words, getting bogged down in dull and unmoving prose is much preferred by him. Your eyes cannot be taken off the screen, can they?

I think we’re on the right path in terms of being aware of some of the concerns, but I wanted to run the idea past you and see what you generally thought about the idea.

We don’t know if Trent does this consciously, or if it even matters at this point. Unnecessary adverbs, repetition of the same phrase twice in one sentence, and – shifting back to the content side – Trent’s relentless belief that no human since the Delphic Oracle has had more answers on more topics than he.

Do you have any resources, or know of families that have arranged as a group to do something similar?

Families with 6 adult children who live in different places, plus both parents, who’ve decided en masse to buy land? Sure, who doesn’t know anyone like that?


-Monica

Finally, the end. Jesus, Mary and Joseph. Look at that monstrosity. A 301-word question.

How about this instead? Again, keep in mind that we’re cleaning up the work of a deluded man’s imaginary letter-writer:

“My 5 siblings and I all love to get together with my parents, except we’re now all scattered throughout the country and can’t do it as often as we’d like. So we’re thinking of buying a piece of land – all of us. What’s the best way to set it up?”

You’re right, that’s terrible. Way too concise. Now for the answer:


I know of one family that did something similar to this,

Oh, you stinking liar. That’s more convenient than Lennay Kekua’s FaceTime never ever working, and Manti Te’o being content staring at a black screen. (No more Manti Te’o jokes in this post, we swear. We’re already at capacity.) We’d be content staring at a black screen ourselves right now, but we’re in this far and might as well finish our demolition of this awful, awful site created by this awful, awful man.


but what they ended up doing is having one family just own the land and hold family reunions on that land.

But Monica’s is just one family, is it not? So confused.


People would come there to camp or park RVs a few times a year. I’ve heard that the family passes the hat each year to pay for a large “bunkhouse” type of cabin

You “heard” this? The Mystery Clan’s cabin-renting method is a topic of interest in Greater Metro Huxley, Iowa? “Hey Jeb, word has it the Joneses leased out the old Smith place, ya know. They did it by soliciting donations among themselves. Also, they rented a large ‘bunkhouse’ type of cabin.” That might be the most exciting news to hit Story County since The Rabid Locust Plague of 1933, or the time that the Governor ran out of gas just off Route 210 on his way to Winterset.


with just a big main room and a bunch of bedrooms, but they’ve not put together enough money to build such a thing.

I do think you’re on the right path for this, given what you want to do in the end. You’re right, though – your problem comes with situations where individuals can’t hold up their end of the bargain.
The only purchase you’d really need to make together, though, is the piece of land. I would suggest buying an appropriate piece, then breaking it up into individually-deeded pieces. You’d likely want to talk to a bank about the best way to handle that process. Then, if one person can’t hold up their end of the bargain, that piece either goes on the market or one of the other family members buys it.

 

It’s called tenancy-in-common vs. joint tenancy, and why don’t you stick to things you know about, like how to empty out your Hefty kitchen bag, turn it inside out and use it again? Or telling women that they’re wasting money by spending as much as $4 on a swimsuit?

His advice is inane. His creativity is nonexistent. He’s fat (which doesn’t stop him from giving workout advice, but we’ll hit the preposterousness of that another time.) And yet 93,238 people subscribe to his twice-daily word dumps via Feedburner. That’s not proof of God’s non-existence, but rather proof that His sense of humor is impenetrable to limited human minds.

(Financial) Retard of the Month. Already? Yes.

Goes perfectly with a board game

 

There’s still a measurable chunk of 2012 left, but we have a Man of the Year to name and a Carnival of Wealth to host, so here we are on what the Commonwealthers call Boxing Day. With a new (F)RotM.

We couldn’t keep him down for long. History’s dominant (Financial) Retard of the Month saw that a couple of upstarts had temporarily usurped his crown, and has returned with a vengeance, stomping on every pretender in his path and leaving their jellied remains coagulating on the ground. Sorry to ruin the ending for you, but Trent Hamm at The Simple Dollar has done it again.

It’s hard to pick just one, but our favorite feature on The Simple Dollar is his frequent “Reader Mailbags”. These consist entirely of questions seeking counsel, which are obviously formulated by the author but nevertheless passed off as legitimate. This isn’t necessarily Mr. Hamm’s fault, as every question posed to every advice column in the history of the universe has been fake. But his stunning lack of creativity (as evidenced by his awful website) shines its brightest in these laughable questions.

My wife and I had satellite radio in our car for several years. We really liked the commercial-free radio, but we decided it cost too much and cut the service. Regular radio is terrible as it’s loaded down with ads. Any suggestions on a cheap alternative?
– Rodney

What would a normal person recommend here? (Please, suspend disbelief for the rest of today’s post and assume that Rodney is a real person and not a construct of Trent Hamm’s elephantine head.) You’d tell Rodney to use Pandora. Or Rhapsody. Or Last.fm, or something. But not Trent. He suggests that Rodney go back in time:

One option is to take your CD collection, convert them (sic) to mp3 on your computer, and use an inexpensive mp3 player to play them through the stereo in your car. That would be the option I would use.

Classic Trent, in that he considers time to be free and infinite. If you own enough music, converting CDs to mp3s is an interminable pain, which we all know because we’ve all done it already. Most of us did it several years ago, even before digital media supplanted physical as the delivery system of choice for music. Trent, however, plays by different rules. While converting a collection of decent size to mp3 takes hours upon hours, that means little to a man who would rather burn an evening shopping for the composite parts of toothpaste and mixing up a batch than just buying a tube of Crest.

Here’s the next line, with nothing omitted between it and the previous one:

You could also play CDs if your car has a CD player, assuming you have any CDs.

If we had ham, we could have ham and eggs, if we had eggs. (Also, wasn’t the previous paragraph the time to have questioned whether “Rodney” owns CDs? But we digress. It’s impossible to lambaste the haphazard cesspool of drivel that is The Simple Dollar in a linear fashion. You attack at the points of weakness, wherever and whenever they are. And they’re everywhere.)

“Honey, what’s this thin slot in the car stereo, right above the radio buttons?”

“CD player.”

“See what?”

“You put CDs in it. You know those CDs you own? That’s where they go, if you want to hear them.”

Please let the story that Trent sold his blog for a million dollars be an urban legend. Please let the story that Trent sold his blog for a million dollars be an urban legend. Please let the story that Trent sold his blog for a million dollars be an urban legend.

Ah, where were we? Of course. Deconstructing this dilation and curettage of a personal finance blog. Trent continues:

There are a lot of options for commercial free audio on the cheap if you think outside the box a bit.

USING THE CD PLAYER THAT COMES WITH THE CAR, TO PLAY YOUR CDs IN, IS “THINK(ING) OUTSIDE THE BOX”? Trent should do a post in which he types the exact same keystrokes in the same order, but on a Dvorak keyboard. It couldn’t be worse and wouldn’t make less sense than any of the balderdash that makes it through his current QWERTY setup.

Also, we can add “options” to his list of favorite words that Trent overuses to the point that they’ve lost all meaning. The current power rankings:

  1. Simply
  2. Wonderful
  3. Options

The late Steven Covey wrote about the importance of striking a balance between preparation and execution. What he meant was, while the person who attempts to succeed professionally without any training is going to fail, it’s easy to ignore the flip side of the equation: too much preparation can be as fatal as too little. Just ask the overeducated and indebted college graduates polluting our society.

Trent’s not an indebted college graduate, at least not anymore, but damn does he love to plan things. If half the fun for most of us is in the journey, not the destination, then for Trent the fun breakdown is as follows:

Destination                           0%
Journey                                  4%
Planning the journey         96%

From earlier this month, a post titled “Do Your Own Travel Planning”:

When Sarah and I were talking about our honeymoon in 2003, we were a little intimidated by setting up our travel plans. It was the first major trip either one of us had taken where we would be responsible for all of the planning, and it seemed like a ton of confusing work.

Where was said honeymoon, Trent?

We went on a wonderful honeymoon to England when we were first married

  1. Wonderful. Of course it was.
  2. When did you go on the honeymoon? Oh, when you were first married. Thanks.
  3. Freaking England. A country where the Hamms know the language, and to where flights from America are plentiful. International travel to England is like international cuisine at Panda Express. Technically it qualifies, but come on. This seriously intimidated Hamm & Wife. You really can’t take the cornfield out of the boy, can you?

For our tenth anniversary, Sarah and I are planning a trip to Norway. Sarah’s family ancestry is heavily Norwegian, so a big reason we want to go there is to find her ancestral villages and possibly look up a few distant relatives.

We could use a travel agency to plan this trip, but instead Sarah and I have been carefully studying many different internet sites and books as we plan our trip.

There are 9 things to make fun of in that paragraph, not the least of which is Trent’s new fascination with superfluous words that derive from “ancestor”, but let’s start with an easy one.

Stephen King: “The adverb is not your friend.”

Trent Hamm: “The adverb is my friend, my lover, my boss, my mentor, my patriarch, my pastor, the girl I see on the side, and my rock in a sea of madness when I’m feeling blue. I love adverbs more than I love butter, and I love butter a lot.” The man has a gift for wordiness that mere mortals can only stare agape at.

                             We’re going to Norway and booking everything ourselves.

How difficult was that?

If you have a trip that you’d like to take, planning it yourself really isn’t that hard. There are many resources that will help you with planning your flights and planning your hotel stays and finding things to do in the area. All you have to do is start with a Google search and you’ll soon find yourself with tons of resources.

He’s slipping. The old Trent would have explained how a Google search works.

Remember, the more time you spend planning a trip, the better you’ll understand what’s available and the better the trip will match what you want out of it.

Therefore, the ultimate trip would be one for which you spent 24 hours a day reading Lonely Planet books, followed by 4 seconds of actual travel. Which still wouldn’t be enough to get you out of the nonentity that is Huxley, Iowa. This is the same mental patient who wrote “How We Plan For A Summer Vacation”, in which he explains his strategy of mandating a designated “peak experience” and “end experience” for every sojourn, no matter how pedestrian. Literally pedestrian – that’s the same post in which he brags about walking around collecting bricks, rocks and used baseballs.

Norway. May Trent Hamm eat some lutefisk that was soaked in too much lye.

September’s Financial Retard of the Month

 

We’d like to take the credit for giving this photo the Roy Liechtenstein treatment, but that’s all Trent.

 

We try to mix it up, really we do. But sustained excellence is something to be cherished and noted, not downplayed. In 1997 the NBA named Karl Malone its most valuable player for no better reason than the voters were tired of giving the award to Michael Jordan. Malone’s Utah Jazz met and got eviscerated by Jordan’s Chicago Bulls in the finals that year, and the following one, leaving one to wonder what might happen to that poor (literally and figuratively) chubby self-indulgent whore from So Over This were she to square off against Trent Hamm in this year’s Financial Retard Championship Series.

Yes, the sage behind The Simple Dollar is our honoree yet again. For those of you unfamiliar with Trent Hamm’s act, he’s a socially inept hypermiser who tells his mouth-breathing minions to save money by making their own toothpaste, not turning the oven light on, and swimming in their underwear. (That sentence sounds like a hyperbolic attempt at humor. We swear on our account balances that every word of it is literally true. And we’d link to the offending stories, but it’s easier for you to just go into the search box at the top right of this page and enter “Hamm”.)

Having conquered the realm of personal finance, Trent Hamm is now going to take on relationships. He and his lovely wife have figured out the way to eternal happiness, and in between the child-rearing and collecting of rocks by the roadside (another literal truth, search our archives), it involves some wildly unimaginative gestures:

One of the most effective ways to cement our relationship and keep it strong is something incredibly simple that costs almost nothing and is something people have been doing for hundreds of years.

I just write a little note for Sarah and stick it somewhere where she will find it later.

The more of Trent Hamm we read, the more we’re convinced that his father used to beat him with a giant wooden nickel. No one can hate/fear money that much without having a lasting reason. Don’t just send notes because it’s something couples do, do it because it’s cheap!

Later in the same post, just in case you missed the part about how cost-effective leaving notes can be:

 It takes a few minutes to do and it’s practically free.

So once you’ve written a note, you should gingerly place it atop the summit of K2 or inside Fort Knox, right? Or perhaps you should seal it inside a bottle, toss it into the ocean and hope for the best?
Wrong:

stick that note somewhere where your partner will discover it. Drop it in a purse. Tuck it in a wallet. Stick it in the console of their car.

You see, if you place the note per Trent’s directions, the object of your note will then find it. Finding the note is the key to having it read.

The above tip has nothing to do with personal finance, evidence that Trent might be slipping in his dotage. The old, hungry Trent would have given stationery prices and explained much you can save on ink if you don’t dot the i’s in said love notes.

It takes more than just a sappy and pointless observation to qualify someone for Financial Retard of the Month status, however. Earlier this week Trent went on a rant about “mindfulness”, in response to a “reader” (named Trent) who “wrote an email” (that is, thought to himself) about how to be frugal. Of course. Here’s Trent on mindfulness:

Let’s say I’m thirsty. We’re on a long road trip and I’m feeling a little drowsy, too. We stop for gas at a gas station, so I head inside looking for a beverage, since our cooler is empty.

If I’m not mindful, I’d just glance for the first high-energy drink, buy it regardless of the cost, and happily head out to the vehicle. It’s tasty, it’ll give me an energy boost, it’ll quench my thirst – why not?

There are a lot of factors involved, though. Is it healthy? Is the package just going to get tossed in a trash bin? What does it cost? Will I actually feel better after consuming it or just get jittery? Do I respect the company that makes the product? Am I setting a good parental example?

The superfluous words in his sloppy writing never get old. “We stop for gas at a gas station”, as opposed to stopping for gas at a hardware store.

You want to know how to be miserable, indecisive, morbidly obese and stuck in Iowa? Ask yourself half a dozen questions before doing something as routine as buying a drink while your Prius fuels up.

How does this nut make it through the day? What happens if he finds a drink that’s healthy, and that comes in an decomposable and/or edible package, and that’s inexpensive, and that will make him feel better after “consuming”* it, but that comes from a company he doesn’t respect, and that makes him set only an indifferent parental example? That’s 4 out of 6, right? A passing grade.

The only thing more depressing than our nation’s $16 trillion budget hole is that Trent Hamm has 92,675 readers (according to the latest Feedburner data.) If you’re one of them, and God help you if you are, get out now while you can. If spending 99¢ on a bottle of Aquafina requires that much conscious thought, think about what you’ll be getting into if you ever have to buy a house. As for how to buy a house, read Chapter VIII here. You’re welcome.

*He means “drinking”, for all you conversational English speakers out there. Trent is also the only person on Earth who routinely says “children” instead of “kids” and “automobile” instead of “car”.