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12-01-2015, 07:57 AM
#2231
Originally Posted by bull....
33% over three years. Much more expensive than Nz which is normally 25-30% over 3-5 years unless it has changed since I last looked. No wonder Ryman is making moves there.
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22-01-2015, 02:54 PM
#2232
RYM need to watch out. This is probably quite reasonable when you consider it includes all costs and no 'capital loss' on the sale of your occupancy right agreement:
http://www.stuff.co.nz/travel/cruisi...or-seven-years
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22-01-2015, 03:06 PM
#2233
Originally Posted by Harvey Specter
mmmm, so if you went on for 5 years that's a million spent , not too many Kiwis be lining up for that IMO.
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22-01-2015, 03:14 PM
#2234
Originally Posted by stoploss
mmmm, so if you went on for 5 years that's a million spent , not too many Kiwis be lining up for that IMO.
Now that's what I call a retirement plan !!!! Good on her !!!!
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22-01-2015, 03:52 PM
#2235
Originally Posted by Roger
Now that's what I call a retirement plan !!!! Good on her !!!!
Roger just keep paying those insurance premiums in case the unexpected happens..... then your wife will be off !!!!
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22-01-2015, 04:24 PM
#2236
Originally Posted by stoploss
mmmm, so if you went on for 5 years that's a million spent , not too many Kiwis be lining up for that IMO.
With Ryman you loss 5% a year of your $700k apartment. Plus weekly fees of a few hundred add up to say $50k per year. Add in food and any extra costs charged for activities and you are probably up to - ok. Its expensive but sounds like great fun!
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23-01-2015, 07:55 AM
#2237
Originally Posted by Harvey Specter
With Ryman you loss 5% a year of your $700k apartment. Plus weekly fees of a few hundred add up to say $50k per year. Add in food and any extra costs charged for activities and you are probably up to - ok. Its expensive but sounds like great fun!
How many RYM apartments are $700k? Not many if any at all I think, and how does one lose 5%/annum?
Are you sure there are extra costs for activities? 1st I've heard, and how does a few hundred per week compare to being looked after and not starving at home?
How do these numbers (if they are true) compare to living in SUM or MET?
Or is your post all tongue-in-cheek?
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23-01-2015, 08:13 AM
#2238
Originally Posted by Vaygor1
How many RYM apartments are $700k? Not many if any at all I think, and how does one lose 5%/annum?
Are you sure there are extra costs for activities? 1st I've heard, and how does a few hundred per week compare to being looked after and not starving at home?
How do these numbers (if they are true) compare to living in SUM or MET?
Or is your post all tongue-in-cheek?
Must be tongue in cheek as the figures are all wrong so not your normal HS post.
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23-01-2015, 08:39 AM
#2239
Was tongue in cheek as I was trying to get the cost up to $150k.
But:
It won't be long till the top end units in Auckland top $700k (I thtink some of the 3 bed MetLife ones at takapuna were over that).
Deferred management fee is (and correct me if I am wrong as I haven't checked recently) 5% per year capped at 25% for Ryman and 10% capped at 30% for MetLife.
Not sure what weekly fees are. I expect cheaper than 200 but more than $100
Sure a weekly dance class maybe included but not the level of activities provided on a cruise liner. Remember she changed boats when they cancelled the daily dance class.
I tried my best but even exaggerating the costs, only got to a about 50% of the cruise cost so per my original conclusion - yes it is (much) more expensive. But sounds like a lot of fun (for those with the money).
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23-01-2015, 11:52 AM
#2240
Originally Posted by Harvey Specter
Was tongue in cheek as I was trying to get the cost up to $150k.
But:
It won't be long till the top end units in Auckland top $700k (I thtink some of the 3 bed MetLife ones at takapuna were over that).
Deferred management fee is (and correct me if I am wrong as I haven't checked recently) 5% per year capped at 25% for Ryman and 10% capped at 30% for MetLife.
Not sure what weekly fees are. I expect cheaper than 200 but more than $100
Sure a weekly dance class maybe included but not the level of activities provided on a cruise liner. Remember she changed boats when they cancelled the daily dance class.
I tried my best but even exaggerating the costs, only got to a about 50% of the cruise cost so per my original conclusion - yes it is (much) more expensive. But sounds like a lot of fun (for those with the money).
I think the Cruising lady had been on quite a few voyages with her non-dancing husband. She presumably has a few bob (rather, a few dimes). However if her health deteriorates will she be able to keep up life on the high seas? Would the liner or her health insurer allow a sickly passenger to embark? So eventually she may still need to buy a unit at a Ryman's facility in the great cruising destination of NZ.
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