Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 28-08-2016, 17:43   #61
Registered User

Join Date: Jan 2012
Boat: Catalina 470
Posts: 986
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by boatman61 View Post
What is wrong with todays people FFS..
See a shrink.. Get a motivation guru.. get someone to plan my life.. WTF..
Your income is X.. your expense's are Y.. Z set aside for emergencies and the rest stays in the gravy boat... SHEEEESSSSHHHHHHHHH..
Dr Spock and the post 70's education system has a lot to answer for.. chucked out a load of insecure dependant pussies.
Now I'll likely get folks bleeding about how tough their precious little lives have been.. my big sister stole my doll and the loss screwed my head up.
Well I got news kiddo.. lots of folks have had a tough life.. and others make those lives seem like a walk in the park..
Get a Bludi Grip and toss out the Baby Walkers..
Greatest post ever! I'm still laughing. I've just flown back to Oz, on the plane the lady next to me introduced herself and quickly let me know she was a "coach" of course I asked , what sort of coach? And of course the answer was "a life coach". This obviously set the tone of the discussion to come, I must have a sign on my head that says " fix me".
So, ive been in Melbourne for the week and what stands out to me is people are dying from comfort! A large majority are fat and ugly, the national pastime is buying stuff they don't need with money they don't have. They are dying physically and financially due to their never ending appetite for comfort, or what I percieve to be an unhealthy amount of comfort.
Everything has a cost regardless of what direction you take, determine the cost you can live with and take action. Security is a myth, both physically and financially, sure we can make plans and take actions to increase the odds from a security perspective, but ultimately life happens regardless.




Sent from my vivo Y35 using Cruisers Sailing Forum mobile app
__________________

__________________
daletournier is online now   Reply With Quote
Old 28-08-2016, 17:43   #62
Registered User
 
Don C L's Avatar

Join Date: Sep 2014
Location: Channel Islands, CA
Boat: 1962 Columbia 29 MK 1 #37
Posts: 3,037
Images: 23
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by boatman61 View Post
If I had 150,000euros (500x300) I'd not invest it.. I'd be trying to spend it all on sex, drugs and rock n roll before I die..
Hmmm, 150,000 worth of sex, drugs and rock and roll? I think my heirs will be getting 149,000.
__________________

__________________
DL
Pythagoras
1962 Columbia 29 MKI #37
Don C L is offline   Reply With Quote
Old 28-08-2016, 17:46   #63
cruiser

Join Date: May 2010
Location: SF Bay Area; Former Annapolis and MA Liveaboard.
Boat: Looking and saving for my next...mid-atlantic coast
Posts: 6,197
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by daletournier View Post
Security is a myth, both physically and financially, sure we can make plans and take actions to increase the odds from a security perspective, but ultimately life happens regardless.
Oh, yeah? Well, just don't come beggin' for a penny from me when the **** hits the fan because of bad planning. I'm saving for my 300 month expenses and paying off my Life Coach.
__________________
SaltyMonkey is offline   Reply With Quote
Old 28-08-2016, 17:50   #64
cruiser

Join Date: May 2010
Location: SF Bay Area; Former Annapolis and MA Liveaboard.
Boat: Looking and saving for my next...mid-atlantic coast
Posts: 6,197
Re: Professional therapy, motivational coach, or CF?

Everything is overpriced write now and we're in for a market correction. Advice given to me is Tax Free Muni's and REIT based funds.
__________________
SaltyMonkey is offline   Reply With Quote
Old 28-08-2016, 17:52   #65
Registered User
 
Rock-Head's Avatar

Join Date: May 2015
Location: St. Augustine, FL
Boat: 1978 Lancer 30 MkIV
Posts: 117
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by daletournier View Post
So, ive been in Melbourne for the week and what stands out to me is people are dying from comfort! A large majority are fat and ugly, the national pastime is buying stuff they don't need with money they don't have. They are dying physically and financially due to their never ending appetite for comfort, or what I percieve to be an unhealthy amount of comfort.
Sounds exactly like what's wrong with America... I cannot wait to exit the rat race.

Sent from my SM-N900V using Cruisers Sailing Forum mobile app
__________________
Rock-Head is offline   Reply With Quote
Old 28-08-2016, 18:42   #66
Registered User
 
michaelratinter's Avatar

Join Date: Jul 2015
Location: Reno / Bodega Harbor
Boat: Bruce Roberts Offshore 44
Posts: 119
Re: Professional therapy, motivational coach, or CF?

I hope you are wrong about a 70 yearold cruising limit. I turn 70 in October. I worked 6 years longer than I intended. I transferred into a dept where I loved the work and the bonuses were much much better. When I retired last year I bought my dream boat but I find that I am physically challenged under sail in big seas.

I have started a serious physical training program but progress at my age is slow. I really wish I had retired at 62 or did serious offshore vacations at age 50.

On the other hand a friend met a old sailor in Turkey who was still going at age 85. When asked his secret the old fellow said, "Xrews of twenty-something Australian women." I may have to check that out for myself.

My situation may argue the case for "go small go now."
__________________
Rick
S/V Blind Faith
Bodega Bay, CA USA
michaelratinter is offline   Reply With Quote
Old 28-08-2016, 18:44   #67
Registered User
 
michaelratinter's Avatar

Join Date: Jul 2015
Location: Reno / Bodega Harbor
Boat: Bruce Roberts Offshore 44
Posts: 119
Re: Professional therapy, motivational coach, or CF?

Crews
__________________
Rick
S/V Blind Faith
Bodega Bay, CA USA
michaelratinter is offline   Reply With Quote
Old 28-08-2016, 18:46   #68
Registered User
 
Don C L's Avatar

Join Date: Sep 2014
Location: Channel Islands, CA
Boat: 1962 Columbia 29 MK 1 #37
Posts: 3,037
Images: 23
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by michaelratinter View Post
Crews
Xrews sounds better
__________________
DL
Pythagoras
1962 Columbia 29 MKI #37
Don C L is offline   Reply With Quote
Old 28-08-2016, 18:49   #69
Registered User

Join Date: May 2015
Location: Auckland, NZ
Boat: Bristol Channel Cutter
Posts: 124
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by SaltyMonkey View Post
300 / 12 = 25 years. You need 30. 30 Years and some of that money will come from SS and then there is inflation and medical bills.

theoreticlaly, you need 1 million dollars to die. Thats the rule that I learned
It's called the 4% rule, at X * 300 4% is your monthly income. the 3% is your inflation hedge. This is not a put the money in the bank and draw X monthly....

That's why I said the 7% ROI is required. There's still viable ways of doing this today...
__________________
Eben is offline   Reply With Quote
Old 28-08-2016, 18:53   #70
cruiser

Join Date: May 2010
Location: SF Bay Area; Former Annapolis and MA Liveaboard.
Boat: Looking and saving for my next...mid-atlantic coast
Posts: 6,197
Re: Professional therapy, motivational coach, or CF?

A 7% ROI today might be possible. A 7% ROI when the market makes it turn will not. You will be burned. You should be looking at a safe 4% if you are lucky. Damned if you do and damned if you don't
__________________
SaltyMonkey is offline   Reply With Quote
Old 28-08-2016, 18:53   #71
Registered User
 
michaelratinter's Avatar

Join Date: Jul 2015
Location: Reno / Bodega Harbor
Boat: Bruce Roberts Offshore 44
Posts: 119
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by Don C L View Post
Xrews sounds better
Not at age 85...
__________________
Rick
S/V Blind Faith
Bodega Bay, CA USA
michaelratinter is offline   Reply With Quote
Old 28-08-2016, 18:55   #72
Registered User

Join Date: May 2015
Location: Auckland, NZ
Boat: Bristol Channel Cutter
Posts: 124
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by MarkJ View Post
Monthly expenses x 300??

Bugger.

I better marry someone rich... Quick!


.
Or just cut your expenses? Not sure which is easier...

Quote:
Originally Posted by boatman61 View Post
If I had 150,000euros (500x300) I'd not invest it.. I'd be trying to spend it all on sex, drugs and rock n roll before I die..
Your ideas intrigue me, how can I subscribe to your news letter?

Even better, when you get the 150k, can we be friends?
__________________
Eben is offline   Reply With Quote
Old 28-08-2016, 18:58   #73
Registered User
 
Gadagirl's Avatar

Join Date: Apr 2006
Location: Virginia
Posts: 574
Send a message via Skype™ to Gadagirl
Re: Professional therapy, motivational coach, or CF?

WOW! Just read through the thread and excellent advice all around!
Thing is I know I'll be able to leave in 5 year's time at 60. By then I'll be allowed to draw on my retirement, and just wait until I'm 62 0r 65 or whatever the date is that I can sign up with Medicare. I'm just grumpy, anxious, and conniving a way that I might make that happen sooner.

Sorry Boaty if I'm coming off as a spoiled hippie from the 60's. Educated in the 70's. I don't expect anything handed to me. I've always worked, since 15. And being honest, I'm having a great big pity party for myself right now. Yes! I could try to make a go, quit my job, but where do the incoming funds come from? Minimal $1500 a month right? I can't touch my savings until I'm 60 or if I do I give 40%+ to government.

While I have a somewhat good grasp on general finance, it's beyond me to understand wise investments. For half a boat buck I could get a financial plan crafted for me, that may allow me to leave earlier than I thought, or at least guide me in proper investments for when I can.

So, next week my BIL has open heart surgery. His wife, my sister, just passed away 9 months ago. My father, 8 months previous to that. Our friends and family have had many conversations about our bucket lists, and enjoying life while you can. So there's a great source for my wanting to make things happen sooner, rather than later.

So I connive! I think about who'd hire me at 55 for only 6months a year. Maybe get my captain's license and run charters? Maybe just waitress where I land? Not sure. I was just trying to get some feedback about what has worked for others. This house will be gone soon, I will be living on a boat directly after that, I just want to leave now! LOL
__________________
Life will give you whatever experience is most helpful for the evolution of your consciousness. - Eckhart Tolle
Gadagirl is offline   Reply With Quote
Old 28-08-2016, 19:01   #74
Long Range Cruiser
 
MarkJ's Avatar

Cruisers Forum Supporter

Join Date: Dec 2007
Location: Australian living on "Sea Life" currently in the Caribbean
Boat: Beneteau 393 "Sea Life"
Posts: 12,571
Images: 25
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by daletournier View Post
quickly let me know she was a "coach" of course I asked , what sort of coach? And of course the answer was "a life coach". This obviously set the tone of the discussion to come, I must have a sign on my head that says " fix me".
I was 26 when my Dad died and I didn't grieve 'properly' so I went to a psychologist.
She happened to live near me and after I had done a few sessions with her I heard a huge screaming match from her apartment between her and her husband. Neighbours said it happened all the time. (OK it was a smallish town)

'Life Coaches', psychologists etc listen to you ranting for an hour and charge the same as a Yanmar mechanic.

But I'll back the mechanic to fix a problem.


Mark
__________________
Notes on a Circumnavigation.
OurLifeAtSea.com

Somalia Pirates and our Convoy
MarkJ is offline   Reply With Quote
Old 28-08-2016, 19:02   #75
Registered User

Join Date: May 2015
Location: Auckland, NZ
Boat: Bristol Channel Cutter
Posts: 124
Re: Professional therapy, motivational coach, or CF?

Quote:
Originally Posted by SaltyMonkey View Post
A 7% ROI today might be possible. A 7% ROI when the market makes it turn will not. You will be burned. You should be looking at a safe 4% if you are lucky. Damned if you do and damned if you don't
I get your argument, right now the market is bad, but there's a cycle to it, it will shift again...

It's a matter of timing, I can't tell you what the timing is and I don't know myself - I just follow my gut instinct and usually things work out ok...

It's that old thing of Risk vs reward and finding the sweet spot.

At the end of the day, I make my own security, by ensuring that my skills are in demand and of the highest quality within my own ability. I've never been without work unless I wanted to be without it...

Oh and I should probably mention that I'm nowhere near retirement age, I still have time to recover from anything nasty. I realise that's not an option for a lot of people on this forum.
__________________

__________________
Eben is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 02:47.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.