Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Monday, 12 January 2015

Winning in a Lottery -what would you do?

If you would win in a lotto/lottery what would you do? Really do?! 

Photo by graur razvan ionut
FreeDigitalPhotos.net
Many people would say on some point that they would give half or lot of it to charity etc. but in real life very unlikely so. This is my opinion of people and this, there are those people who would give it all away, BUT most humans are not that nice. I know 
I would not, little now and then to gaming charity things like #AGDQ would be ok to me personally. So no big donations to Red Cross or some other big "brand" of charity that says that they help but we really don't know how much of our 1 euro/dollar etc goes to those who need it.

I started to do little list what I would do if jackpot did drop on my note. These dreams do depend a lot of how big that jackpot is. 1 million great, I could take care of my family and my own loans, buy great pc, get all consoles I dream, have a some trips and that kind of stuff. But build an house or buy apartment and maintain it to rest of my life? Maybe yeah but 1 million is still a one million. You can take care of these more normal like dreams, but not much more. Then there are these seriously huge winnings like in Finland the biggest Lotto (link is Finnish only) win has been 13.3 million euros and Eurojackpot did insane 61.1 million euros win!

Now to that list!

What would I do if I would win BIG time on lottery!

  • take care loans on next order: My own > mother (+stepdad) > dad
  • buy ultimate PC, 4 monitors, fantastic headset, + all the little extra things
  • new consoles Xbox One, PS4, Wii U and maybe one of Steam consoles when they start getting around +sides to them all as well (extra controllers, ,more storage, subscribe services etc.)
  • Gaming laptop for those times I'm on a road. And this time price is not an issue.
  • Invest money to make more money, to me it would mean call to my older brother and ask him to help me come up with something or if he knows someone that could help with this.
  • Get some more technology to my life and those near me! New phones, tablets, smart tech like watches or activity gadgets
  • Now its time to some R&R first with my mother, stepdad and brother if he could take some time off and after that another trip with my dad and brother maybe include my fathers lady friend (not sure about that).
  • Buy some other stuff like furniture, electronics, beddings, clothes, shoes, eyeglasses and contacts, kitchen and pet stuff or other little things like that. Some good alcohol like whiskey and vodka. 
  • Then its time to say wrooom! So time to change car, re-do my licence, ask if any of my parents want to change car and get me an brand new motorcycle (sport or naked) and extra bike (cruiser). How funny that my step dad likes cruiser bikes *wink*. Cars and bikes would get some customization to sweet them up
Now that we had some fun, got nice shiny (tech) things, new wheels and loan free now its time to get roof over the head. This is biggest thing that depends how big winning pot is.
Photo by Pixomar
FreeDigitalPhotos.net
  • Buy apartment on bigger city on southern Finland (Turku, Tampere, Hämeenlinna, Helsinki). Three to four rooms, fast internet, nice floor plan, kitchen large enough for dishwasher and renovation is ok as long that apartment is really nice. 
  • If it's a big win then I would build own house close to my mothers house. I would ask if my father would be interested to build it or be the main contractor on building. He would get paid well and would get to say who are workers in different operators people who are the best, not the cheapest. Important to me would be to get optical fibre connection, because old copper cables just don't cut it anymore. House would be build to my future to last time so many cables would be build to walls (eternal to every room, multiple power plugins different sides of rooms, even usb ports!), easy access, maybe two floors and cellar to cinema or just hobby space + warm garage to two cars. And so much that it would need new post "Dream house" or something.
  •  Give spending money to parents and my brother not anything too big just some to have fun with.
  • Friends are important so I would give them more expensive gift hundred euros when they have b-day or something special. My best friend would get PS4 or XB1 on her choice. This would not be too much because I can count my closest friends with one hand including closest/best one. 
  • I'm not skinny, newer have been. I would hire some kind of life coach or something who would help me with good diet and workout plan that is humane! Not those super diet then you feel like you will die or want to and don't eat anything but this super healthy stuff for half year and you will be so BUFF! And when you try to go back to some kind of normality, release the belts! aka welcome back all that fat I did lose.
  • Then I would turn my spending to my parents houses. I would help with renovations, making their houses more energy friendly, money to garden works, new greenhouse to my mother, smoke-sauna and swimming hole on yard, remodel hobby space in barn to warm one and so on.
  • Middle of all this I would re-educate myself to something I really love without worry or hurry how to live when studying. Basics in Finland and maybe to study something special some other country.
  • and then I would do something more. Pay bills and all that nice stuff :P Maybe take another trip this time on Europe or somewhere far away
Those are things I would do and spend. What would you do?

Wednesday, 12 November 2014

Loading...loading again!

Hello again!
My life is not going as I dreamed and hoped of. I have not find a job and my money is all gone so end of the year (or beginning of 2015) I will be moving back to my mothers house if things will not change dramatically. This sucks because I feel that this will create stress for my mother and stepfather. I will be alright or atleast I hope so.

"What about your own space and stuff?" To me it really is no problem, I need place to computer (still laptop huoh), xbox 360, tv, clothes some books and games. I have lots of books to be honest but if I pack them right they will survive and my dad has promised to semi warm place to hold them and my other stuff. Own space...well there is not much need for it, I don't date at moment and there is door that opens and closes as I please! Alone in own place do get lonely to be honest. My record of not speaking anyone is 2 weeks!

There will be one problem though the internet! 

I have slow connection in my parents’ house, only way to get guaranteed internet is ADSL (old slow copper cables) and only from one provider! They are working on optical fiber connections but there is NO idea when they will get to area where our house is and it will cost +1000€ to get to the line when they do. They are working now in some areas in centrals of two villages and we live 8km away of one of them it middle of nothing.

Right now they deliver 3 speed options:

  • Fast (1,5/0,75 Mbit/s) for 21,20€/month
  • Faster (3/075 Mbit/s) for 34,30€/month
  • Fastest (8/1 Mbit/s) for 39,90€/month 
Notice that these are promised speeds not the real ones! You can crank speed up for free but getting it back down is 36€. Dropping service altogether is free but reconnecting is again 36€ but this unlike speed will take about week or so.

There is mobile internet possibility and here in Finland we have no data limits! Provider that we use on our phones promises that our house is on area where there should be 4G LTE that can carry max 50Mbit/s and 3G max 21Mbit/s. 4G would be 19,80€ and 3G 14,90€ per month and those are full prices! And when putting Huawei B593 4G router in package 9€/month for 24 months it would mean 23,90€ per month + 3,90€ starting cost. Problem with this is that there is some problems with signals, there are specific place in the house that you can get signal at all to make phone call!

Usual speed change range in different networks by mobile provider:
  • 3G > 0,4-15 Mbit/s
  • Dual Carrier > 0,4-25 Mbit/s
  • 4G LTE > 5-40 Mbit/s
Mobile network provider speed map.
Did remove some location information you will not need :D
Seriously you will not need them! Road number is only
thing you will get.
With mobile internet there is way to use our existing TW-EAV510 modem/router but then we have to buy 4G modem stick that will support LTE and work with our router. From TeleWell they say that following devices will work on 3G/4G/LTE speeds with TW-EAV510

  • TW-LTE 4G/3G
  • TW-LTE 4G/3G+
  • TW-LTE WLAN MiFi
  • E 392
  • E 3276
  • E 3372
  • E 5776S

SHOPPING:

There is TW-LTE 4G/3G that cost 89€ in Gigantti but there is only one piece other side of Finland and there is no more in central warehouse. In Jimms (Finnish electronic store) price is 119,90€ and this particular model delivery time is not confirmed, They do other hand  have TW-LTE 4G/3G+ model same 119,90€ with 2-4 day shipping time that would work as well with our router on LTE speed.

From internet provider there are options as well. To my interest did catch one modem/router and one 4G stick. There is options to buy it once over deal or on monthly contract (12/24/36 months).

Router/modem Huawei B593 4G/WLAN

  • once 216€
  • 12 month 18€/m
  • 24 month 9€/m
  • 36 month 6€/m
4G stick Huawei E3372

  • once 126€
  • 12 month 10,50€/m
  • 24 month 5,25€/m
  • 36 month 3,50€/m
Now I just need to find out if there is possibility to have E3372 and that 4G to test run. There is danger that it will not work but that would be same price than ADSL but faster. Of course I have to talk with my mother about this as well, right now she is person of paying this stuff.

You may understand that watching stuff from internet or playing online is little painful at a moment. It is nice if speed do clime to that 1MB but that is not too common, If mobile internet will be stable it will boost speeds really up! Even 2G is max 200 kbit/s...that i around what we get right now!
When getting home I will do speed test by wireless connection and post that picture in HERE

Our The Minister of Education, Science and Communications has spoken that everyone in Finland should be able to get 10Mb connection... now promised speed is 1MB but even that is not happening on most places so that up to 10Mb damn. I would not mind but how this is again tested and guaranteed is unknown. In theory my mothers house could get 100Mb by 4G super mobile(19,90€/m for 12m and after that 29,80€/m) but how often you will get that...not so much.