Originally Posted by jwing (Post 1954607)

I'm not one of the cool kids so I don't understand the term "pajama people.' Who are they and why are they called pajama people?

Originally Posted by Mike OReilly (Post 1956495)

Lets face it, US healthcare is nuts. And I'm getting a small taste of it right now as we travel through this wonderful country. Anywhere else in the world I'd be comfortable self-insuring (paying as we go), but here in the USA a broken arm could bankrupt me. So we bought emergency travel accident insurance.

Originally Posted by Mike OReilly (Post 1956495)

Lets face it, US healthcare is nuts. And I'm getting a small taste of it right now as we travel through this wonderful country. Anywhere else in the world I'd be comfortable self-insuring (paying as we go), but here in the USA a broken arm could bankrupt me. So we bought emergency travel accident insurance.

Originally Posted by Mike OReilly (Post 1956495)

Lets face it, US healthcare is nuts. And I'm getting a small taste of it right now as we travel through this wonderful country. Anywhere else in the world I'd be comfortable self-insuring (paying as we go), but here in the USA a broken arm could bankrupt me. So we bought emergency travel accident insurance.

Originally Posted by smj (Post 1956515)

So Kenomac, your telling us you own and maintain an Oyster 53, you cruise 3-6 months a year in the Med on your Oyster, you pay dockage the other months your not cruising on your Oyster, your "tossing" around the idea of buying a large power cat and you pay over $53,000 per year on insurance and you and your wife are both RN's making approximately $22.00 an hour? I call BS. Plus your complaining about paying a measly $270.00 for a dental procedure? And that pisses you off? Now we need to review your tax statements:-).


Sent from my iPad using Cruisers Sailing Forum

Originally Posted by jtsailjt (Post 1956530)

He didn't say what his wife makes per hour, only that she's a nurse. I have no idea what she makes or how long she's been at it but I know nurses who make very close to $100K/year. Apparently he's relatively new to nursing compared to his wife, and he's chosen a less high paying area within nursing because it allows him the freedom to do other things he wants to do. Several times in this thread alone, he's mentioned a commercial building that he owns and leases out. Do you have any idea what commercial space leases for in Massachusetts? So, in no way has he implied that his lifestyle is paid for on $22/hour and if you read his posts more carefully instead of being so eager to be argumentative and "call BS," you already know that.

Originally Posted by StuM (Post 1956421)

Merkins or Septics seem to work quite well! :)

Originally Posted by smj (Post 1956535)

I call BS. To do what he's doing requires I would say a pretty substantial income. Let's see the tax returns:-). By the way, I'm the prince of England, why? Because I told you so on the internet.


Sent from my iPad using Cruisers Sailing Forum

Originally Posted by Kenomac (Post 1956461)

My friend insisted on stopping at McDonalds for an Egg McMuffin on our way up to Maine the other day. $3.95 each!. Another good example of a Stupid, ridiculous price for stuff.

He was buying... we were both hungry and very thirsty within a half hour.

Originally Posted by jtsailjt (Post 1956474)

...........
My most recent pet peeve as far as expenses is the cost of maintaining used cars. The service engine soon light on my wife's car recently came on so I took it in to the local repair shop. According to the manual, that light means that something is wrong with the exhaust system or the gas cap is loose. I checked the gas cap and then dropped the car off. They plugged our key into their special machine to read the codes ($150) and learned that the knock sensor had a transient fault, and the thermostat sender also had a transient fault, and the battery was low so needed charging, and they recommended that we replace the electric water pump because even though it was working fine, they tend to go around 90K miles and that was the approximate mileage of our car. Total cost for all this, just over $4000!!! When they reported all this to me I asked what exactly had turned on the "service engine soon" light and they couldn't narrow it down beyond saying it was one of those things. It turned out that the 2 faults were probably nothing more than a manifestation of the "low battery" which was caused by the terminals needing to be tightened and cleaned. So, the only thing wrong with the car were some battery terminals that needed cleaning and tightening and to learn that it cost me $150 and would have cost $4000 if I hadn't said no. I've always had used cars and worked on them some myself and bought used part and saved a lot of money that way. But it's getting almost impossible to do that and to understand what needs to be done so you are at the mercy of the guy who owns the computer that reads the codes. So, instead of paying the $4K, we went to the BMW dealer and traded in our car and signed up for a lease on a new X1. It'll cost $6K per year but we aren't tying up $45K of our money up front and we will have zero maintenance costs except for 2 oil changes a year, zero cost for new tires, brakes, etc. and since we don't own it we aren't losing money on depreciation. $6K per year is our total cost. After comparing that with the total cost of maintaining a used car, I decided it sounded like an attractive option, at least for my wife's car. But I intend to keep my pickup truck for at least 10 years and drive it into the ground!

Originally Posted by weavis (Post 1956541)

NO your not. :smile:



Actually, What I know about Ken is that he never stops working. Even on holiday, he is either doing something on the boat or a reasonably price job for someone else. Both Ken and mrs Pammy mac have huge energy and dont waste a second of their lives.



In Mallorca, Ken was moored a long way from my previous restaurant and both him and wife cycled half way across the West side of the Island for lunch. Ken had spent the previous week doing jobs for cruisers.

So while you might not agree with him, I can vouch for a puritan work ethic and what he does makes me tired just thinking about it.



Ken had some financial rain in his life like we all have had, and worked himself back up the ladder to reap the rewards of getting it together again.



There may be validity in criticism over his internet communication skills, but there is nothing I will accept against him for sheer determination and willingness to tackle anything. He earned the Oyster, with his own hands and in adverse conditions.



He built his own life. twice.

Originally Posted by senormechanico (Post 1956540)

Internet search for " merkins " do you really want to go there?:whistling: