So Travel!

If you won the lottery, what would you do?

If you had a month of vacation and unlimited funds, what would you do?

When you retire, what do you plan to do?

Lots of people put something about traveling into their answers. Travel – something about it entices the human mind. We love to see new places, observe different people, experience alternate communities, and enjoy the diversity of everything available if you put a little distance between you and your stomping grounds.

So travel!

No, honestly.

I’ve traveled twice for dates. It’s expensive, no kidding there. And from the dating perspective, both were a complete waste of time. But I got to visit a town I’ve never been to, and another that I’ve not been to enough. I got to see long-lost friends and relatives. I got to do some touring. I smelled the air of a foreign city. I biked the streets of a different town. I watched the natives of a different culture (yeah, it was one of those cities). It really wasn’t bad.

Granted, my current locale is sorely lacking in high-end tourist attractions. But we’ve got plenty of local color. (Much of it rust. Er, umber.) And on average, we are 4 degrees and 2% humidity cooler than New York City.

Tempted yet?

Well, there are plenty of young ladies stranded in more exotic locations. Places you’d love to visit anyway, like Miami or LA. So don’t grumble and skip over them to the next Flatbush girl on your list. Take a vacation. Go travel.



10 thoughts on “So Travel!

  1. On the flip side, even in places where there are no “high-end” tourist attractions, there are a ton of cheap or middling tourist attractions or general attractions that make for fun, affordable dates.

    Plus, what would a person do on a date in Miami? Hit the beach? ๐Ÿ™‚

  2. I had an argument with a bunch of people over lunch at work one day about the lottery. As we deal plenty with statistics I was pretty surprised that I was one of the few who thought it was absolutely ridiculous to buy a lottery ticket.

    But even so, I don’t think I would want to win. Everyone who wins, their life takes a turn for the worse. And I know you’ll say that those people are unintelligent low class individuals. You would be smart and it would only benefit your life. First off it would make dating miserable ๐Ÿ™‚ And I know people say I will have a lawyer take the money in for me so no one will know I won. Sure, this is the Jewish community, there are no secrets. You’ll be bothered for the rest of your life. I mean freakin’ ay, baruch Hashem, I landed a good job recently that pays quite nicely, and just in the past 2 months, three different individuals have called me for large size loans, totaling over $40,000. So for a lottery winner it must be hell.

    Anyway there is the whole thing that you’re not supposed to want to win the lottery becuase that’s basically saying you don’t want to rely on G-d anymore, unlike usually one always has to daven for parnassah. Either way, you’re not gonna win, and if you do, may G-d help you.

  3. great post. as far as winning th lottery goes you have a bigger chance of becoming president than winning-imhby-totally agree. entering the lottery just makes u poorer-one dollar at a time

  4. um, even if you do win the lottery, don’t expect you’ll have enough after taxes to live on for the rest of your life, especially at today’s interest rates. also, there’s rarely only one winner.

  5. Ummm, I have no idea what you’re talking about. Even at a low mega millions, like it is now at 24 million, that’s plenty. Worse case scenario you only figure out how to get a 3% return (on 13 million after taxes) after taxes. That’s $390,000 a year in interest. I know plenty of people who survive on way less than that.

    Am I missing something?

  6. I never said reliable short term.I know 30 year bonds are under 3%, but first of all that will change eventually, and pretty soon we will have 5 years paying that much so you don’t have to go long term (you don’t remember the days when we had 30 years paying 18%? You would have been about 2 then).

    I understand people are still afraid to invest in the market, but if you have millions of dollars sitting around there is no point in not investing some of it. Any financial advisor would tell you today to invest in stocks. The market may be down for part of the time but overall it pays off. People with millions of dollars can live through large swings in the market becuase they do not need all the cash immediately. It’s only people who need the money soon, like retiring or buying a house who shouldn’t invest.

    Anyway there are many very safe bond funds that give over 3 % a year, and the one’s I have been following all recovered in less than a year after the crisis. And were never affected largely by any large swings in the S&P. Most analysts agree the market is mid-level value now and a good time to invest.

    Whatever, all I’m trying to say is when you get that much money you speak to a financial advisor and if he can’t get you 3% return over time he needs his license revoked.

  7. how much under 3% is his commission, and how much of your capital gains are taxed once you realize them, and at what rate? and if you’re currently living on the proceeds, having quit your job, you aren’t exactly investing that fraction, are you?

  8. I said 3% after taxes, if you invest all the money right away only the first year is short term capital gains (long term is currently about 15%, please G-d no Obama again).

    And I said worst case scenario at $24 million, and worst case scenario at 3%. The average powerball winner receives over $100 million. And the S&P has paid out something like 14% a year after dividends. And a 60/40 with bonds would net you over 10% a year since inception. Yet, even worse case your interest is more than you need (and that still comes out to 390K a year which is waaay more than the avg person spends).

    What do you mean “investing the fraction”? You don’t need to invest anything else. Using small numbers – if you have $100 that pays 3% a year and your expenses are $3 a year, your original principle never decreases becuase you’re only spending the interest (therefore you still receive the same $3 every year).

  9. open a online saver account with ING bank and receive 3% interest for the first year, then next year you open with a different bank, and every financial advisor should be able to get you 3%, otherwise just buy real estate and live of the rental income, trust me you wont go hungry if you behave sensible with the money, and I dont believe anyone who sais they woudnt want to win the lottery

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