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I wonder what the upkeep per year is on a traincar. Like, do you need to rent some track like a boat rents a dock slip while you're not using it? I assume so. e: Jesus Christ it's like 30k a year just to park the drat thing
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Jun 28, 2017 03:06
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If I'm ever super rich I plan on living the rest of my life on various yachts, trains, and dirigibles. Owning a home that's stuck on this boring garbage earth is for sucker peasants.
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Jun 28, 2017 03:21
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Solice Kirsk posted:If I'm ever super rich I plan on living the rest of my life on various yachts, trains, and dirigibles. Owning a home that's stuck on this boring garbage earth is for sucker peasants. The villain from Up is basically living my dream, except without the archeology poo poo, I just want to fly around living in a blimp with a bunch of dogs
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Jun 28, 2017 03:41
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TheQuietWilds posted:The villain from Up is basically living my dream, except without the archeology poo poo, I just want to fly around living in a blimp with a bunch of dogs That feels strangely achievable. But don't go broke buying dog parachutes.
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Jun 28, 2017 03:58
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Tiny Brontosaurus posted:That feels strangely achievable. But don't go broke buying dog parachutes. If the dog is dumb enough to jump out of my rigid airship then it never deserved a parachute to begin with. Farewell my future pet dalmatian Pox, you died as you lived. Howling through the air.
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Jun 28, 2017 04:01
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ranbo das posted:e: Jesus Christ it's like 30k a year just to park the drat thing If you park it on Amtrak track. Getting it from them to your own private rail line is left as an exercise for the reader.
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Jun 28, 2017 04:10
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Just lol if you call yourself a robber baron but do not own a railroad.
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Jun 28, 2017 04:19
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I mean then you are setting land speed records on your trains while your henchmen fight off boarders.
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Jun 28, 2017 04:20
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Solice Kirsk posted:If I'm ever super rich I plan on living the rest of my life on various yachts, trains, and dirigibles. Owning a home that's stuck on this boring garbage earth is for sucker peasants. I have a friend who really likes cruises and that's how he wants to retire. Just live on an ever changing number of cruise ships. Some people do that as a form of assisted living. Bounce from cruise to cruise and food is covered along with housekeeping. Such is the lovely state of American healthcare that 4 weeks on a cruise ship isn't that much more expensive than a shared bedroom at an nursing home.
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Jun 28, 2017 04:24
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Krispy Kareem posted:I have a friend who really likes cruises and that's how he wants to retire. Just live on an ever changing number of cruise ships. People tell me they love cruises and I hear "ok so we went on vacation and we lived on the plane the whole time! We got off for the day to shop here and there but otherwise you bob up and down and eat buffet food for two weeks! Oh and if anyone gets sick you all catch it!" Cruises sound like punishment is what I'm saying.
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Jun 28, 2017 05:00
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A cruise ship doesn't have people on call 24/7 to help you go to the bathroom or give you a sponge bath so yeah, obviously that's gonna be cheaper. If you can take care of yourself on a cruise ship you don't need to be in a nursing home.
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Jun 28, 2017 05:09
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OctaviusBeaver posted:A cruise ship doesn't have people on call 24/7 to help you go to the bathroom or give you a sponge bath so yeah, obviously that's gonna be cheaper. If you can take care of yourself on a cruise ship you don't need to be in a nursing home. It obviously doesn't work if you are infirm, but say you're 80 and get around okay but can't drive anymore and life's boring and who cares about your kids' inheritance. The party's over if you fall from a conga line and break and hip, but for moderate frailties it'd work. Nursing homes were a bad example. I was thinking more about assisted living apartments where housework and food are taken care of, but you have to wipe your own butt. Living 24/7 on a boat would be even cheaper than that with enough left over to spring for a drink package and a port window.
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Jun 28, 2017 05:59
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Living on cruise ships sounds like hell. You have a tiny room, no real privacy outside your tiny room (which is windowless unless you pay more for a cabin on the outside), people everywhere, get shuffled around to tourist stops, endless group activities and fake cheer.
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Jun 28, 2017 09:07
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Cruise ships are filled with BWM gamblers to the brim anyway addicted to terrible slot house edges, tolerate lovely Internet and can also stomach eating same old food over and over.
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Jun 28, 2017 11:09
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If you're on a vacation of any kind and the quality of internet is a concern you're doing it wrong. Stay home where there's good internet and save money.
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Jun 28, 2017 13:16
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Half the reason cruises are cool is because you go to sleep in one place and wake up in another that you have most of the day to wander around in, no real time is lost due to travel as there are always things to do on the boat. Unfortunately being elderly and frail and unable to walk very far puts a damper on that. Though breakfast in bed every morning is probably sweet.
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Jun 28, 2017 13:25
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"being frail and weak" as if that's just a thing you "be" when you get old. Ever notice how there are two types of old people around you, the miserable perpetually sick fucks and the people who ran their whole life? The ultimate bad with money: diabetes and heart disease.
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Jun 28, 2017 13:57
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ranbo das posted:I wonder what the upkeep per year is on a traincar. Like, do you need to rent some track like a boat rents a dock slip while you're not using it? I assume so. Honestly I'm surprised it's only $135 to park a goddamn train car overnight, I mean you can't just park it anywhere and it's huge. Imagine the cost of paid parking if every parking space had to be built out of reenforced steel beams and instead of going in and out you had to operate a complex series of levers and interchanges to route your space to the exit.
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Jun 28, 2017 14:06
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Enfys posted:Living on cruise ships sounds like hell. You have a tiny room, no real privacy outside your tiny room (which is windowless unless you pay more for a cabin on the outside), people everywhere, get shuffled around to tourist stops, endless group activities and fake cheer. You know that episode of Star Trek TNG where they find that casino on a planet and then get trapped in it and it just repeats a cheesy storyline from a lovely old novel over and over? Yeah that's definitely what I want my twilight years to be like.
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Jun 28, 2017 14:09
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ate all the Oreos posted:Honestly I'm surprised it's only $135 to park a goddamn train car overnight, I mean you can't just park it anywhere and it's huge. Imagine the cost of paid parking if every parking space had to be built out of reenforced steel beams and instead of going in and out you had to operate a complex series of levers and interchanges to route your space to the exit. And valet parking was compulsory, and they used a tow truck to do it.
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Jun 28, 2017 14:10
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ate all the Oreos posted:You know that episode of Star Trek TNG where they find that casino on a planet and then get trapped in it and it just repeats a cheesy storyline from a lovely old novel over and over? Yeah that's definitely what I want my twilight years to be like. Data was p great in that episode.
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Jun 28, 2017 14:12
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MSN Finance just posted an article about secret tips to get wealthy from a financial advisor. This was one of the secrets: quote:Don't Pay Off Your Mortgage
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Jun 28, 2017 14:47
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Leon Trotsky 2012 posted:MSN Finance just posted an article about secret tips to get wealthy from a financial advisor. "Just have lots of debt, because debt is convenient!" - America
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Jun 28, 2017 14:50
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I have a couple of elderly relatives who are slightly frail and still enjoy as many cruises as they can afford. It's not a nursing home, but it's a great way to spend your twilight years, especially if you are healthy longer than your friends and your social circle is narrowing to "zero" due to the Grim Reaper. Everything is taken care of, so you can spend your limited energies walking slowly around quaint little port towns rather than dealing with airports and rental cars etc.
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Jun 28, 2017 14:56
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ate all the Oreos posted:Honestly I'm surprised it's only $135 to park a goddamn train car overnight, I mean you can't just park it anywhere and it's huge. Imagine the cost of paid parking if every parking space had to be built out of reenforced steel beams and instead of going in and out you had to operate a complex series of levers and interchanges to route your space to the exit. I imagine the reason it's only $135 for overnight parking is a combination of 1) they know that you're going to pay them to haul the car to and from the destination anyways and 2) there's probably a lot of leftover track out there from when trains were a bigger deal and there were more of them around, so just shoving your car onto a leftover side track isn't a huge deal.
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Jun 28, 2017 15:01
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Private train cars are surprisingly cheap. Business idea: Party train!
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Jun 28, 2017 15:03
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Possibly related to what Leon Trotsky 2012 posted, but: http://www.news.com.au/finance/money/budgeting/irresponsible-personal-finance-article-panned/news-story/df99855d7e8848a5258647d2f99ba6b3 Crazy Lady posted:According to Ms Milasas, her first “tool for having money” is the “10 per cent account”, where you put away 10 per cent of everything you earn. “You are not setting it aside to pay bills with,” she writes. “You are not saving it for a rainy day ... You are putting it away as an honouring of you.”
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Jun 28, 2017 15:05
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Sic Semper Goon posted:Possibly related to what Leon Trotsky 2012 posted, but: Looks like someone read The Secret
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Jun 28, 2017 15:10
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The 10% thing sounds kinda reasonable at first if you think about it like starting an emergency savings account, but from there it spirals into hilarious terrible ideas like "buy gold and silver bullion and keep them in a safe in your house"
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Jun 28, 2017 15:11
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Edit: ^^^^^^^^^ I think the issue is more "prioritising your 10% savings over paying bills".Sic Semper Goon posted:Possibly related to what Leon Trotsky 2012 posted, but: Does the universe also say "Oh, this person has defaulted on their mortgage. They are willing to sleep on a bench."? I bet it does.
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Jun 28, 2017 15:11
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Leon Trotsky 2012 posted:MSN Finance just posted an article about secret tips to get wealthy from a financial advisor. Am I having a stroke or does this not make any sense? Would your mortgage company even continue to escrow your taxes and insurance if you paid off your note? Also, you're old. Some states give you discounts on your taxes after you retire.
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Jun 28, 2017 15:12
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Krispy Kareem posted:Am I having a stroke or does this not make any sense? If I were even slightly more paranoid I'd almost accuse it of being written by a bank to try to get people to be debt slaves for longer 
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Jun 28, 2017 15:16
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27k for this vintage train car with a kitchen, servants' quarters, dining room, observation lounge, and 5 bedrooms. And it won't sink. Granted it probably needs twice that in work before it would be both functional and comfortable. Really if I was stupid rich I might be tempted. http://www.ozarkmountainrailcar.com/detail.asp?id=2143&n=Seaboard-Coast-Line-Business-Car-quotJacksonvillequot Nail Rat fucked around with this message at 15:18 on Jun 28, 2017 |
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Jun 28, 2017 15:16
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Krispy Kareem posted:Am I having a stroke or does this not make any sense? The financial advisor's secret to getting wealthy is to never pay off your mortgage. He says that the reason people pay off their mortgage is to end their monthly payments for housing. But a-ha! Even if you pay off your mortgage, then you still have to pay for insurance and property tax! Therefore, you still have a "monthly payment" to make even after your mortgage is paid off. Having a monthly payment helps you budget and you will be richer if you budget because you never pay off your mortgage. Also, you have to GO OUT OF YOUR WAY to pay your insurance and taxes as separate payments now! It's really worth it to just keep paying interest on your mortgage forever to have it all in one payment. Reminder: This is in an article by a financial advisor giving tips on how to get wealthy and save money.
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Jun 28, 2017 15:19
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Nail Rat posted:27k for this vintage train car with a kitchen, servants' quarters, dining room, observation lounge, and 5 bedrooms. And it won't sink. Granted it probably needs twice that in work before it would be both functional and comfortable. Really if I was stupid rich I might be tempted. This looks like it came straight out of Resident Evil Zero. There do not appear to be any leeches or zombies though.
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Jun 28, 2017 15:20
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Another "useful" piece of advice from someone who is paid to be a financial advisor:quote:Although not for everyone, consider a 5/1 or interest-only mortgage for your primary residence. This will give you all the benefits of homeownership with the flexibility to leverage your home's growing value. Hello! I'm a financial advisor. If you pay $10,000 of extra interest each year, then you can make back nearly $2,500 in taxes!
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Jun 28, 2017 15:32
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Leon Trotsky 2012 posted:The financial advisor's secret to getting wealthy is to never pay off your mortgage. I don't even think it's that well thought out. It sounds like he thinks the bank waives your insurance and taxes while you pay off your mortgage. And then once the mortgage is paid off they stop covering you.
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Jun 28, 2017 15:33
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I know people who regularly go on backhaul cruises to get work done, especially writing. That's when the cruise ships are just getting moved between ports. Backhauls aren't advertised as cruises: there are no stops, way fewer activities, and frequently the crew are all trainees. But the companies sell tickets to defray their costs. If you're interested in puttering across the ocean for a week or two with all your meals for $60 a day...well, it seems better-with-money than some resorts.
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Jun 28, 2017 15:40
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Leon Trotsky 2012 posted:Another "useful" piece of advice from someone who is paid to be a financial advisor: the fiduciary rule is bad because
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Jun 28, 2017 15:46
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A bunch of my coworkers (who have been overweight for 10+ years) were discussing how they have been getting Vitamin B12 shots once a week for the past two years to lose weight. I haven't weighed them, but there does not appear to be any difference. The shots are "only" $40. Plus, you get 50% off if you bring in 10 or more people at once! They said that they go once a week, but I don't know how consistent that is. If they actually have been going every week for the past two years, then that is over $4,100 in B12 shots and they have either maintained or slightly increased their weight. I don't know why they are still going after two years and no results. I think it might be the horrible self-reinforcing BWM of my office. They all go as a group, recruit other coworkers for discounts, and tell each other they look skinny and amazing after each shot.
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Jun 28, 2017 16:02
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