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Saturday

17

March 2012

96

COMMENTS

GO: Cool Million

Written by , Posted in General

Happy St. Patrick’s Day! It’s your lucky day! Let’s pretend you’ve just won the lottery. You have won enough to quit your job (if you so choose) and not have to work again for the rest of your life. Because you want to keep that security you can’t go out and blow it all, but you have one million dollars you can safely use as “play money” right now. What do you buy?

  • Buddy

    I’d buy a crapload of Darwin Barney jerseys, but change the name on the back to “Moxie.”

  • Buddy

    I’d buy a crapload of Darwin Barney jerseys, but change the name on the back to “Moxie.”

  • Doug S.

    A million dollars for nothing? Geez, that’s tough. I’d have to ask Soriano for advice.

  • Doug S.

    A million dollars for nothing? Geez, that’s tough. I’d have to ask Soriano for advice.

  • Tommy

    1. My own chauffeur (as I have not been able to drive since 1982)
    2. My own chef/personal trainer so I don’t look like such a fat slob
    3. My own mancave with state of the art everything
    4. Indoor heated swimming pool with the necessary personnel to maintain it.

    Have I run out of money yet??  If I can’t get the pool, I’ll have my chauffeur drive me and my trainer to the local YMCA for my laps/sauna

    • I know of an ex lifeguard who is now in the restaurant industry.  He recently drove nearly across the country, and is a Cubs fan to boot…I bet you could hire him for a lot less than a million. 

      • Tommy

        I could hve gone the altruistic route as did the others but thought this was just for fun so went the “I am the center of my own universe” route. i like the lifeguard idea J. But I will not mention the ‘s’ word 1st again…

    • I know of an ex lifeguard who is now in the restaurant industry.  He recently drove nearly across the country, and is a Cubs fan to boot…I bet you could hire him for a lot less than a million. 

      • Tommy

        I could hve gone the altruistic route as did the others but thought this was just for fun so went the “I am the center of my own universe” route. i like the lifeguard idea J. But I will not mention the ‘s’ word 1st again…

    • BLPCB

      Why haven’t you been able to drive for almost 30 years?

      • Declared legally blind, no peripheral vision. Like going thru life looking thru a paper towel roll.

      • BLPCB

        Wow. I didn’t know that. How do you read text on here then?

      • Tommy

        and why I hit the wrong ‘reply’ button LOL

      • Tommy

        Not easy I get real close to the monitor and blow it up to 150 % or more through  my toolbar. thats why I tend to have more typos than the average bear.

      • Doc Raker

        Tommy- Have you tried any low vision lenses? Eschenbach makes the MAX DETAIL near binocular telescope magnifier that gives you 2 or 3X at a comfortable working distance of 10-15 inches. They wear like a pair of glasses and cost about $180. What is the diagnosis?

      • Hey Doc, are you really a doctor? I am 53 and have been dealing with this since childhood. I’ve seen doctors from the Cleveland Clinic to the National Institute of Health in Bethesda MD and everywhere in-between. Two years ago I was the beneficiary of lots of training and equipment thanks to the State of Pennsylvania who were funded by federal dollars thus taxpayers like you. Thank you, btw.  The diagnosis was initially RP (retinitis pigmentosa) back in 1977 but a more accurate diagnosis seems to be rod-cone dystrophy.  As for prognosis, I’ve had three surgeries on my eyes and I am still pretty sensitive to light, thus my best days for ability to see are cloudy days.  It is unclear if or when my vision will deteriorate further. We are prepared to go with guide dog if necessary but for now a white cane is serving me well.  I have been to low vision specialists and they did not recommend the lenses you suggested. Are they new?

      • Doc Raker

        I am a Dr of Optometry, I work with low vision patients among other things. Telescopes aren’t anything new but the Eschenbach design on the Max Detail (for near) and Max TV (for distance) is relatively new. If 1.5 x magnification is helpful for you these items are an affordable option. Most magnifiers require a very close working distance but the Max Detail will give you the mag at a traditional working distance.

      • First of all, Doc thank you for your interest. I  appreciate it. Now that you’ve explained it more fully yes I have tried something to that effect and it didn’t work for me. Every time I moved my head even slightly there was a problem locating where I was on the page.  My peripheral is nonexistant but my acuityrealllly is managable. Sorry Liz and Joe for turning this into a blog about ME.

      • Doc Raker

        Magnification comes with a cost of reduced field of view. IF the magnification is helpful than give the lenses at least 1-2 weeks of use for adaption. You can adapt to the loss of field by not moving your eyes or head as much as you usually do- it is a learning curve and when your eyes no longer move around to much invlountarily the lenses become second nature and you appreciate the benefit verse being frustrated over the draw back. Let me know if I can ever help you or Flysinger. I hope you are able to keep as much functionality as possible.

      • flyslinger2

        I’d go for a new set of peepers too! My medical contacts have been a real challenge. Saturday one went in wrong and it caused so much pain I could barely get my eye open the rest of the day. My diagnosis Recurrent cornea anterior basement membrane dystrophy and I have two surgeries already. My vision isn’t correctable with glasses, thus the contacts. I’ve gone to using an iPad just so i could be a tad more mobile while still working from home. I get tired of sitting 6 inches from a large screen with large fonts to read. How fun would it be to be able to the seams of the baseball as it is hurling at me!?!?

      • Tommy

        Methinks I have found a kindred spirit! At the very least one who is empathetic toward the challenges. I would have loved to be a sportscaster but I couldn’t keep up with the action, it moved too fast. My only hope would have been baseball.

      • cap’n obvious

        are Dr.’s of Optometry ‘really’ Dr.’s?  Perhaps a real Dr. will weigh in.

      • Doc Raker

        Is there a Dr of Osteopathy around these parts to weigh in?

    • AC0000000

      Why haven’t you been able to drive for almost 30 years?

      • Declared legally blind, no peripheral vision. Like going thru life looking thru a paper towel roll.

      • AC0000000

        Wow. I didn’t know that. How do you read text on here then?

      • Tommy

        and why I hit the wrong ‘reply’ button LOL

      • Tommy

        Not easy I get real close to the monitor and blow it up to 150 % or more through  my toolbar. thats why I tend to have more typos than the average bear.

      • Doc Raker

        Tommy- Have you tried any low vision lenses? Eschenbach makes the MAX DETAIL near binocular telescope magnifier that gives you 2 or 3X at a comfortable working distance of 10-15 inches. They wear like a pair of glasses and cost about $180. What is the diagnosis?

      • Hey Doc, are you really a doctor? I am 53 and have been dealing with this since childhood. I’ve seen doctors from the Cleveland Clinic to the National Institute of Health in Bethesda MD and everywhere in-between. Two years ago I was the beneficiary of lots of training and equipment thanks to the State of Pennsylvania who were funded by federal dollars thus taxpayers like you. Thank you, btw.  The diagnosis was initially RP (retinitis pigmentosa) back in 1977 but a more accurate diagnosis seems to be rod-cone dystrophy.  As for prognosis, I’ve had three surgeries on my eyes and I am still pretty sensitive to light, thus my best days for ability to see are cloudy days.  It is unclear if or when my vision will deteriorate further. We are prepared to go with guide dog if necessary but for now a white cane is serving me well.  I have been to low vision specialists and they did not recommend the lenses you suggested. Are they new?

      • Doc Raker

        I am a Dr of Optometry, I work with low vision patients among other things. Telescopes aren’t anything new but the Eschenbach design on the Max Detail (for near) and Max TV (for distance) is relatively new. If 1.5 x magnification is helpful for you these items are an affordable option. Most magnifiers require a very close working distance but the Max Detail will give you the mag at a traditional working distance.

      • First of all, Doc thank you for your interest. I  appreciate it. Now that you’ve explained it more fully yes I have tried something to that effect and it didn’t work for me. Every time I moved my head even slightly there was a problem locating where I was on the page.  My peripheral is nonexistant but my acuityrealllly is managable. Sorry Liz and Joe for turning this into a blog about ME.

      • Doc Raker

        Magnification comes with a cost of reduced field of view. IF the magnification is helpful than give the lenses at least 1-2 weeks of use for adaption. You can adapt to the loss of field by not moving your eyes or head as much as you usually do- it is a learning curve and when your eyes no longer move around to much invlountarily the lenses become second nature and you appreciate the benefit verse being frustrated over the draw back. Let me know if I can ever help you or Flysinger. I hope you are able to keep as much functionality as possible.

      • flyslinger2

        I’d go for a new set of peepers too! My medical contacts have been a real challenge. Saturday one went in wrong and it caused so much pain I could barely get my eye open the rest of the day. My diagnosis Recurrent cornea anterior basement membrane dystrophy and I have two surgeries already. My vision isn’t correctable with glasses, thus the contacts. I’ve gone to using an iPad just so i could be a tad more mobile while still working from home. I get tired of sitting 6 inches from a large screen with large fonts to read. How fun would it be to be able to the seams of the baseball as it is hurling at me!?!?

      • Tommy

        Methinks I have found a kindred spirit! At the very least one who is empathetic toward the challenges. I would have loved to be a sportscaster but I couldn’t keep up with the action, it moved too fast. My only hope would have been baseball.

      • cap’n obvious

        are Dr.’s of Optometry ‘really’ Dr.’s?  Perhaps a real Dr. will weigh in.

      • Doc Raker

        Is there a Dr of Osteopathy around these parts to weigh in?

  • RichBeckman

    I could not possibly spend a million dollars, even if you include what I would give away.  I would pay my debts, I would pay off various loans of loved ones.  I would buy a decent upright piano (the one I have is so-so at best).  I would buy a second guitar (I have a nice one, but I could use something different on occasion).  I’d buy a new car (for my wife, I’d take her car and get rid of mine).  I’d replace the windows in the house (not with “replacement windows”, I’d replace the entire window).

  • BLPCB

    Is this a million before or after taxes? Because if it’s before, I would put aside half a million for Uncle Sam on April 15. Then I would buy a car and go to grad school. Then save the rest bc I’m poor.

  • AC0000000

    Is this a million before or after taxes? Because if it’s before, I would put aside half a million for Uncle Sam on April 15. Then I would buy a car and go to grad school. Then save the rest bc I’m poor.

  • Gymjok

    There are plenty of family members who could use help.
    I’d check on the feasibility of a few ideas I have to make the world better.
    For myself, Id spend it on my health. Life is more easily enjoyed if you feel better.
    Since I wouldn’t have to work anymore, I could get Cubs season tickets.
    I’m assuming you all want to sit in the bleachers, right?

    • Eddie Von White

       I’m in GJ – We can talk while we take in the games. I like the way you think, but one needs to work to make the world a better place. They say if you like your job you never have to work a day in your life. I hope I work until the day I die – (maybe not just as hard as I do now).

      • Gymjok

        All kinds of ways ,both big and small, to make the world a better place.
        A smile or a hello to someone who looks down or lonely makes it better.

  • Gymjok

    There are plenty of family members who could use help.
    I’d check on the feasibility of a few ideas I have to make the world better.
    For myself, Id spend it on my health. Life is more easily enjoyed if you feel better.
    Since I wouldn’t have to work anymore, I could get Cubs season tickets.
    I’m assuming you all want to sit in the bleachers, right?

    • Eddie Von White

       I’m in GJ – We can talk while we take in the games. I like the way you think, but one needs to work to make the world a better place. They say if you like your job you never have to work a day in your life. I hope I work until the day I die – (maybe not just as hard as I do now).

      • Gymjok

        All kinds of ways ,both big and small, to make the world a better place.
        A smile or a hello to someone who looks down or lonely makes it better.

  • Doc Raker

    I would bet the Ryan Dempster unlucky club on Dempsters 2012 performance and double my million. Tony Campana is 0-15, that would make his BABIP .000 which makes him unlucky. Dempster has a 4.15 ERA, .364 batting average against and a 1.73 whip. It is early so his luck is bound to change.

    • Gymjok

      OR- you could turn it into 40 million.
      The Cubs are 40 to 1 to win the World Series this year.

  • Doc Raker

    I would bet the Ryan Dempster unlucky club on Dempsters 2012 performance and double my million. Tony Campana is 0-15, that would make his BABIP .000 which makes him unlucky. Dempster has a 4.15 ERA, .364 batting average against and a 1.73 whip. It is early so his luck is bound to change.

    • Gymjok

      OR- you could turn it into 40 million.
      The Cubs are 40 to 1 to win the World Series this year.

  • I don’t think I’d change anything.  Well, maybe I’d tip a little bit better when I go out.

  • I don’t think I’d change anything.  Well, maybe I’d tip a little bit better when I go out.

  • BLPCB

    If the million dollars is after taxes, then I would still get a car and go to grad school, and save a quarter million, but that other half million, I would probably donate a fair amount to the places I went to on my service trips at UIC (Maybe $10,000 to each of the places). Maybe invest a little in the stock market, and possibly buy a house or condo in Miami. Since you can get them for a quarter on the dollar right now, it would serve as a retirement home/vacation house/house I can rent out. I would get something I could afford to put 100% down on, but I would still get a loan on it, bc of tax benefits. And then save the rest of it for a house and college for my kids if I ever get married and have kids.

    Because in our society, you need money to get ahead. I would save as much as I could. And besides, a one-time payment of a million bucks isn’t enough to live in luxury. All a million bucks will provide is lifetime financial security to live a middle-class lifestyle if you manage it right. Too many people get a huge windfall and they end up going bankrupt. People don’t realize that not only do you have to be able to afford the house you’re going to buy, but you also have to be able to afford to live in it.

    • Doc Raker

      You are right CAPS, being a youngster a million $ is not nearly enough to stretch your life time, it would be a good investment foundation. 

    • Joe Aiello

      Tax benefits? Why not just make a donation instead of paying interest to the bank for the tax benefits? Have a paid for home and donate money to a non-profit to get the tax break. How people still subscribe to the “don’t pay off your mortgage” philosophy baffles my mind.

      • BLPCB

        Yes tax benefits. Bc home mortgage interest is tax-deductible, and home loans are front-loaded with interest. If I was on the back-end, I would consider paying it off, but not at the front end. Now if I could get a better return with investing what I would pay for the mortgage, I’d consider puting 100% down, but not in this economy. People advise against it bc you’re spending too much of a windfall.

      • Joe Aiello

        You’re missing my point. Let me illustrate with an example:

        You pay $10,000 in interest on your mortgage in 2012. That reduces your taxible income as a result. Let’s put you in a tax brack of say 20%. So you paid $10K in interest to keep from sending the IRS 2,000. It doesn’t make sense mathmatically and anyone who says it does is stupid.

        If you’re that concerned about the tax break, donate the 10K to a non-profit that you believe in (rather than a stupid bank) and still get the tax break,.

      • Doc Raker

        Joe- it is relative to your rate of return on another investment. Example: your mortgage rate is 3% and you have`an investment that pays 8%. Why would you pay down a 3% debt when you can make 8% with that same money- you are up 5%. Money is cheap right now and there are some good real estate investments available these days. Good time to buy low with cheap money- why pay down your mortgage?

      • Joe Aiello

        Because you’re forgetting to factor risk in your equation. A paid off home isn’t going to go into foreclosure.

  • AC0000000

    If the million dollars is after taxes, then I would still get a car and go to grad school, and save a quarter million, but that other half million, I would probably donate a fair amount to the places I went to on my service trips at UIC (Maybe $10,000 to each of the places). Maybe invest a little in the stock market, and possibly buy a house or condo in Miami. Since you can get them for a quarter on the dollar right now, it would serve as a retirement home/vacation house/house I can rent out. I would get something I could afford to put 100% down on, but I would still get a loan on it, bc of tax benefits. And then save the rest of it for a house and college for my kids if I ever get married and have kids.

    Because in our society, you need money to get ahead. I would save as much as I could. And besides, a one-time payment of a million bucks isn’t enough to live in luxury. All a million bucks will provide is lifetime financial security to live a middle-class lifestyle if you manage it right. Too many people get a huge windfall and they end up going bankrupt. People don’t realize that not only do you have to be able to afford the house you’re going to buy, but you also have to be able to afford to live in it.

    • Doc Raker

      You are right CAPS, being a youngster a million $ is not nearly enough to stretch your life time, it would be a good investment foundation. 

    • Joe Aiello

      Tax benefits? Why not just make a donation instead of paying interest to the bank for the tax benefits? Have a paid for home and donate money to a non-profit to get the tax break. How people still subscribe to the “don’t pay off your mortgage” philosophy baffles my mind.

      • AC0000000

        Yes tax benefits. Bc home mortgage interest is tax-deductible, and home loans are front-loaded with interest. If I was on the back-end, I would consider paying it off, but not at the front end. Now if I could get a better return with investing what I would pay for the mortgage, I’d consider puting 100% down, but not in this economy. People advise against it bc you’re spending too much of a windfall.

      • Joe Aiello

        You’re missing my point. Let me illustrate with an example:

        You pay $10,000 in interest on your mortgage in 2012. That reduces your taxible income as a result. Let’s put you in a tax brack of say 20%. So you paid $10K in interest to keep from sending the IRS 2,000. It doesn’t make sense mathmatically and anyone who says it does is stupid.

        If you’re that concerned about the tax break, donate the 10K to a non-profit that you believe in (rather than a stupid bank) and still get the tax break,.

      • Doc Raker

        Joe- it is relative to your rate of return on another investment. Example: your mortgage rate is 3% and you have`an investment that pays 8%. Why would you pay down a 3% debt when you can make 8% with that same money- you are up 5%. Money is cheap right now and there are some good real estate investments available these days. Good time to buy low with cheap money- why pay down your mortgage?

      • Joe Aiello

        Because you’re forgetting to factor risk in your equation. A paid off home isn’t going to go into foreclosure. Plus his argument was to hold the mortgage for the tax benefits, which is silly.

  • BLPCB

    I got the idea reading an article on Kiplinger’s finance. They were interviewing John Carpenter, the guy who won a million bucks on Who Wants to be a Millionaire without using any lifelines, he was like after taxes a million bucks isn’t “change your life kind of money if you want to eat everyday.” He kept working after he won, but it did allow his wife to cut back on her work, spend more time at home. His run to the million is on YouTube, I would have won a quarter million with one lifeline if I had that run. I wouldn’t know the last 2.

  • AC0000000

    I got the idea reading an article on Kiplinger’s finance. They were interviewing John Carpenter, the guy who won a million bucks on Who Wants to be a Millionaire without using any lifelines, he was like after taxes a million bucks isn’t “change your life kind of money if you want to eat everyday.” He kept working after he won, but it did allow his wife to cut back on her work, spend more time at home. His run to the million is on YouTube, I would have won a quarter million with one lifeline if I had that run. I wouldn’t know the last 2.

  • BLPCB
  • AC0000000
  • Seymour Butts

    I believe the idea is a SPARE million after setting your self up for life.
    I would buy every high school year book from Indiana in the 1970s. There must be a photo of Lizzie in one of them. Anything left over would go for cotton candy.

    • Joe Aiello

      For a million, no need to buy the yearbooks, a photo can be arranged. =)

      • Lizzie

        For a million I’ll show you a naked picture of Lizzie!

      • Joe Aiello

        Goodness, not the reply I had thought when I saw a notification that you had replied to my comment. What does Mr. Lizzie say to your free spirit. Afterall, this ain’t Woodstock.

      • Lizzie

        Mr. Lizzie hasn’t read it yet, LOL.

      • Seymour Butts

        And afterall… a million is a million.
        What can one get for $11.79?

      • Lizzie

        Toenail.

      • Doc Raker

        What year?

  • Seymour Butts

    I believe the idea is a SPARE million after setting your self up for life.
    I would buy every high school year book from Indiana in the 1970s. There must be a photo of Lizzie in one of them. Anything left over would go for cotton candy.

    • Joe Aiello

      For a million, no need to buy the yearbooks, a photo can be arranged. =)

      • For a million I’ll show you a naked picture of Lizzie!

      • Joe Aiello

        Goodness, not the reply I had thought when I saw a notification that you had replied to my comment. What does Mr. Lizzie say to your free spirit. Afterall, this ain’t Woodstock.

      • Mr. Lizzie hasn’t read it yet, LOL.

      • Seymour Butts

        And afterall… a million is a million.
        What can one get for $11.79?

      • Toenail.

      • Doc Raker

        What year?

  • BLPCB

    Well if it’s a million bucks after I’ve done what I said I would do above, I would go on a season long trip with the Cubs. From soup to nuts, spring training to the playoffs, hopefully with a World Series title. Every single game, I would go. I would stay at the same hotel as the team, fly for all the road games, and back, go to every single game. And then if anything was left over, I would spend a year traveling (additional year). A week in St. Louis, New Orleans, Atlanta, Montgomery, 2 weeks in NYC, a week in all the other cities that have citypass, 2 weeks in LA, 2 weeks in Orlando, and some other places. Now that would be a great way to blow a million bucks. And then if anything was left over, I would save it. And if not, hopefully the most I would have to pull from the previous accounts would be 10 grand.

  • AC0000000

    Well if it’s a million bucks after I’ve done what I said I would do above, I would go on a season long trip with the Cubs. From soup to nuts, spring training to the playoffs, hopefully with a World Series title. Every single game, I would go. I would stay at the same hotel as the team, fly for all the road games, and back, go to every single game. And then if anything was left over, I would spend a year traveling (additional year). A week in St. Louis, New Orleans, Atlanta, Montgomery, 2 weeks in NYC, a week in all the other cities that have citypass, 2 weeks in LA, 2 weeks in Orlando, and some other places. Now that would be a great way to blow a million bucks. And then if anything was left over, I would save it. And if not, hopefully the most I would have to pull from the previous accounts would be 10 grand.

  • Chuck

    This is kind of boring, but with $1M I would do the following:
    1) Pay of any and all bills
    2) Sell current House and buy/build a 4 BR house on about 2 acres of land
    3) Build a baseball field on land detailed in #2 for my kid’s teams to practice on
    4) If there is any left over, build a steel building with some batting cages and a fielding area to augment #3
    5) Turn being President of my local Little League into a full-time job by putting a lot of time in on taking care of the fields, getting more sponsors, securing better deals for materials and improving the facilities.

    $1M is a lot of money, but you can’t really go crazy with it.

  • Chuck

    This is kind of boring, but with $1M I would do the following:
    1) Pay of any and all bills
    2) Sell current House and buy/build a 4 BR house on about 2 acres of land
    3) Build a baseball field on land detailed in #2 for my kid’s teams to practice on
    4) If there is any left over, build a steel building with some batting cages and a fielding area to augment #3
    5) Turn being President of my local Little League into a full-time job by putting a lot of time in on taking care of the fields, getting more sponsors, securing better deals for materials and improving the facilities.

    $1M is a lot of money, but you can’t really go crazy with it.

  • flyslinger2

    By two to four acres on Pimlico Sound and build the house plans that Mrs. Fly fell in like with a long time ago.  Have a boat for me and whatever toy she wants and live out our days in the wonderful Outer Banks.

  • flyslinger2

    By two to four acres on Pimlico Sound and build the house plans that Mrs. Fly fell in like with a long time ago.  Have a boat for me and whatever toy she wants and live out our days in the wonderful Outer Banks.

  • Buddy

    Hire Van Halen to play my graduation party. Oh wait, that’s already been done.

  • Buddy

    Hire Van Halen to play my graduation party. Oh wait, that’s already been done.

  • cap’n obvious

    any 80’s movie references score points with me.  I second Buddy….though maybe not Van Halen. 

  • cap’n obvious

    any 80’s movie references score points with me.  I second Buddy….though maybe not Van Halen.