Salt Life
By Rob Scott
5/5
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About this ebook
Rob Scott
Speculative fiction, realistic fiction. Rob Scott writes in a style all his own, unique, quirky and usually "out there" in a manner that commands the reader to think. Speculative fiction means it could very well happen, if it were deemed appropriate for someone to try to implement the idea being presented.
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Salt Life - Rob Scott
Salt_Life
ROB SCOTT
To Stacey: the love of my life, you allow me to dream and support me in following it.
If you like this book, please consider reading from this author’s Speculative Fiction collection:
Paradise
2010
ISBN 978-1-257-91494-4
The Mason
2010
ISBN 978-1-257-91606-1
Incognito
2011
ISBN 978-1-257-91625-2
Staven Adams
2012
ISBN 978-1-300-15830-1
The Mounds
2012
ISBN 978-1-300-20329-2
Cotton Hockey
2016
ISBN 978-1-329-96552-2
Table of Contents
Chapter 1: The Big Idea
Chapter 2: Living the Dream
Chapter 3: Insurance Industry
Chapter 4: Berkshire Hathaway
Chapter 5: The Masonic Lodge
Chapter 6: Rum
Chapter 7: Blue Crabs
Chapter 8: Cleaning and Eating Crabs
Chapter 9: Railean Distillery
Chapter 10: A Little Ditty, about Fred & Mandy
Chapter 11: Meet the Fam
Chapter 12: Spaghetti Monday
Chapter 13: Coastal Promotions
Chapter 14: Oh Ron Walker!
Chapter 15: Sunrise Property and Casualty Co.
Chapter 16: Life in the Fast Lane
Chapter 17: One Bourbon, One Scotch and One Beer
Chapter 18: Gulf States Properties
Chapter 19: Take Me to Church
Chapter 20: Riders On the Storm
Chapter 21: Gulf States Construction
Appendix
Chapter 1: The Big Idea
So is Punta Gorda near your place?
asked Mandy.
It’s close, yes, about twenty or twenty-five miles from Englewood. You know what it means don’t you?
replied Fred.
No, what?
Fat Pussy!
Nice.
Mandy smirked, But I think the term is Spanish since Florida was originally colonized by Spaniards to which ‘Punta’ actually means ‘End’ to translate it properly would mean a large point of land extending into a body of water.
"Well before the Spanish arrived, Florida was inhabited for twelve thousand years by Native American Indians called the Calusa and their word for Punta Gorda was translated as ‘Fat Pussy’.
Oh really? What is the proper Calusa pronunciation of it then?
asked Mandy.
Well no record of the Calusa language actually exists today, their kind all migrated to Cuba in the early 1600’s, but I can see you are not buying my story anyway.
Nice try Honey. What about Galveston?
Galveston is like 75 miles from here
stated Fred, I’d like to own there since we live here and not in Florida.
What’s it cost to own in Galveston?
About $150.00 per square foot.
said Fred.
So how much is a two bedroom, two bath in Galveston?
Oh about 700 square feet or about $105,000.00.
How much does a king bed in Galveston rent for? $95.00 per night right? And it sleeps eight, so it will rent for $2.00 a square foot per week or $1,400.00 a week
stated Mandy.
"Yes, but before you go counting money, don’t forget about the fees, insurance, taxes and utilities:
$550.00 per month condo property maintenance fees = $140.00 per week
12% insurance, liability, flood, wind and property on $105,000.00 = $250.00 per week
$17.00 per day in utilities of electric, water, internet, television = $130.00 per week
$100.00 per week normal maintenance with wear and tear
So you are looking at $620.00 per week in costs, netting only $780.00 per week or $40,000.00 per year." Fred calculated.
So it is paid for in two and a half years!
exclaimed Mandy.
The only way I can see doing this correctly is to go big or go home.
Fred said.
Like ten places?
Maybe more, not sure, how many do you think we could manage between the two of us? Plus we would have to live there as well. I will do the maintenance, upkeep, managing the house keepers and you do the marketing, handling complaints and dispatching me. Look we have $750,000.00 in my IRA which I can touch now as I am fifty-five and our house here in Kingwood is worth $250,000.00 so we have a million dollars to work with. If we buy smart we can get ten places, maybe even eleven.
Can we still spend the million and float eleven times $620.00 in weekly costs or $7,000.00 per week in costs?
asked Mandy.
We can if we are bringing in ten times $1,400.00 in weekly revenues or $14,000.00 per week in revenues.
Can we live on $7,000.00 per week in net float cost free where our utilities and cost of living expenses are free and clear? What’s that $364,000.00 a year, after taxes that’s $200,000.00 or $100,000.00 for each of us? Will we be okay on $50.00 per hour?
asked Mandy.
Sounds like a lot of work for fifty per hour, but I think we can manage on $10.00 per hour since our cost of living will be provided by the company condo. We should plan on sinking the remaining $80.00 per hour into buying another condo every year. Then in ten years we have twenty-one condos generating $30,000.00 in weekly revenues, then we give ourselves a raise.
At that point we could sell it all for two million, perhaps three million
dreamed Mandy.
Chapter 2: Living the Dream
Buying commenced shortly after Fred and Mandy’s conversation. Fred cashed out his IRA and 401K and they put their home up for sale. They