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The 1% Lifestyle That 99% Of Us Can Afford

Screenshot from waaaay back in 2010 and from an Ontario Lottery Gaming commercial. The premise? You’re stuck in a desert in a stalled car with a giant robot attacking. But then you remember what’s in the glove compartment…watch the video below and realize that counting on a lottery win is not the best way to financial security.

Maybe you’ve seen the ad, or one like it? For example-an Ontario Lottery Gaming commercial that depicts an attractive woman climbing out of bed, enjoying a leisurely cup of coffee before climbing into the cockpit of a sailboat, the implication being that if one wins a multi-million dollar jackpot, one can have the “yachty” lifestyle.

As I write this, I am sitting in the cockpit of my sailboat sipping a cup of coffee while enjoying the morning sun, and I have never won the lottery. In fact, I will be going to work at my average-guy, average-wage job shortly. Then, at the end of the workday, I will be returning to my sailboat, to enjoy the sunset.

For several years my wife, and I, and our dog, have spent the spring, summer and fall aboard our small sailboat. We return to our “dirt-home” only occasionally, to do laundry, mow the lawn so the neighbours don’t complain, collect mail and make sure the place hasn’t burned down.

This is the view that Bryan enjoys along with his ‘dock coffee’ at the Port Dover Harbour Marina. photo: B. Jones

After all, we need some place to live when the water is too hard and too cold to float a sailboat.

When new acquaintances find out that we are sailors and dock-rats, we often hear, “Oh, I have always wanted to sail!” or “I have always wanted to live on a boat!” What follows is often an enjoyable conversation about how to make it happen, how to “live the dream.”

I will confess, though, when hearing “Oh, I have always wanted to…” that the curmudgeonly little voice in the back of my head wants to retort, “No, you haven’t. If you really did, you would be doing it.”

Because it ain’t that hard to do.

We’re not rich. As I mentioned, my wife and I are pretty average people. Average age, average income, average credit scores, average sized mortgage, kids in college… look up “average” in the dictionary, and you don’t see our picture, because there are millions of folks just like us, and somebody way up the line got the honour.

We made a choice. We chose to buy a good, old boat for a mid-four- figure sum, invest a few hundred bucks a year on maintenance and a few hundred more on a slip to dock it in.

Our boat cost less than the annual membership at many golf clubs, and our slip fee for 6 months is less than a two week cottage rental in Turkey Point.

Bryan’s solution to beating the heat is to leave the dock and sail into the wind.

(Okay, before you start pelting me with hate mail, there’s absolutely nothing wrong with golf or vacationing in Turkey Point. Really. Except the clothes. KIDDING!)

It isn’t all fun and games and Jimmy Buffett tunes though.

Before you dash out and buy an old boat, here’s ten things my wife and I have learned over the past few seasons:

1. The stuff that bothers each of you about each other in 2000 sq ft on land does not magically go away in less than 200 sq ft on water. Learn to communicate, consider and compromise.
2. If you take it out, put it away. Now.
3. Each new item onboard means an old item has to leave.
4. Its okay to not talk.
5. One cooks, one does dishes. Helping doesn’t help.
6. When the dog needs shore patrol, the dog. Needs. Shore. Patrol. Now.
7. Find your own quiet spot, whether it is the v-berth, quarter berth, foredeck or cockpit.
8. You don’t have to get there today. You don’t even have to get there tomorrow.
9. When docking, mooring, anchoring, tacking or damn near anything goes awry, talk it out, and then hug it out.
10. There is a difference between being heard, and yelling.

We live in a slip on a dock with no services. No electricity and no water (aside from that which the boat floats in, smart-alecks,) means we have to refill our onboard water tank from 6 gallon water jugs hauled up the dock a couple of times a week, heat water on our alcohol stove to wash dishes, use solar panels to keep our batteries topped up and we don’t have air conditioning, or a microwave, or a big flat screen TV. A shower is a 10 minute dinghy ride or 15 minute walk away.

And we’re cool with that. We have become better, more creative cooks, we read more, we talk more, and the sunsets here and the characters we share them with more than compensate. We have talked more, laughed more and shared more with our dock-side neighbors than we ever have with our neighbors “on the dirt.” Our house is a house, but this is our home. For the Silo, Brian Jones

Ontario Lottery & Gaming Report To Government Pushed For Modernization

The Ontario Lottery and Gaming Corporation (OLG) developed a powerful analytic tool to provide instant access to billions of lottery transactions dating back to 1999. Dubbed the Data Analytic and Retrieval Technology (DART), OLG developed the solution in six months for about CAN$1.1 million (U.S.$1.15 million) with Microsoft and HP supporting technologies—a sharp contrast to the three-to-five years and more than $10 million needed with other BI solutions evaluated by OLG. Searches that used to take weeks can now be done in seconds. With the DART tool, OLG can identify play patterns to confirm legitimate winners and identify potentially fraudulent behavior and claims. DART builds on other OLG antifraud and player protection initiatives, delivering on the organization's pledge to better inform and protect those who play its games and lotteries.

OLG to Modernize Gaming- New Strategic Direction Will Create Jobs, Support Schools and Hospitals The Ontario government has received a report from the Ontario Lottery and Gaming Corporation (OLG) that proposes modernization of the system, an increase in its revenues by more than $1 billion a year, and the creation of 2,300 net new jobs in the gaming industry and nearly 4,000 additional jobs in the hospitality and retail sectors by 2017-18.

With internet-based gaming growing, a higher Canadian dollar and U.S. border communities building their own gaming sites, our gaming system has to change. These reforms will modernize gaming in Ontario by allowing safe, responsible access to gaming opportunities.

The government has directed the OLG to implement a number of the proposals:

 Reconfigure the number of gaming sites and tailor the types of gaming activities made available at each site
 Launch multi-lane sales of lottery tickets at major retail outlets, including grocery stores
 Increase operational efficiencies by expanding the role of the private sector
 Stop annual payments to the horse racing industry by ending the Slots at Racetracks program on March 31, 2013, and allowing slot facilities to be located more strategically
 Implement a new fee model for municipalities hosting gaming sites; and
 Allow one new casino in the GTA, subject to an OLG business case and municipal approval.

The government will also enhance its responsible gambling programming. http://knowyourlimit.ca/PDF/Policies_and_Programs_ENG.pdf

These initiatives will allow OLG to meet the demands of a changing gaming marketplace.

QUOTES

“We are focused, more than ever, on balancing the budget while continuing to provide the best education and health care in the world. Modernizing OLG’s operations and business model is an example of how we are ensuring our assets are delivering the greatest value to taxpayers.”
Dwight Duncan, Minister of Finance

QUICK FACTS

 OLG is the biggest non-tax revenue generating Crown agency in Ontario, and the largest gaming organization – and jurisdiction – in North America, with 27 gaming sites and 10,000 lottery points of sale.
 In July 2010, the government directed OLG to undertake a review of its land-based gaming operations and lottery distribution network, to see how revenue from these could be optimized. The government’s plan to transform how OLG does business is a result of this review.
 Eight million people in Ontario play lotteries at least once every year, and 2.7 million Ontarians went to an OLG gaming site at least once last year.
 OLG generated $2 billion in net revenue for the province in 2010-11.
 Since 1975, OLG lotteries, and OLG Slots and Casinos have generated more than $28 billion for Ontario.
 Since 1998, OLG has provided nearly $3.7 billion to horseracing in Ontario through the Slots-at-Racetracks program. This year’s payment is estimated to be $345 million. That’s more than is spent on road safety or water safety. It’s also enough money to pay for more than two million house calls from doctors, nine million hours of home care or 27,800 hip or knee replacement surgeries.
 Provincial proceeds from gaming activities help support key government services, including health care and education.
 Ontario spends nearly $50 million annually on problem gambling treatment, prevention and research – more than any other jurisdiction in North America.

LEARN MORE
Read about the changes OLG is making to lottery and gaming in Ontario http://www.olg.ca/assets/documents/media/backgrounder_gaming.pdf
Learn more about OLG’s customers http://www.olg.ca/assets/documents/media/backgrounder_customers.pdf
See how revenue generated by OLG goes to help all Ontarians http://www.olg.ca/assets/documents/media/backgrounder_why_gaming_is_important.pdf
See how the OLG promotes responsible gambling.http://www.knowyourlimit.ca/

 

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