Lease Vs Own

FYI: This was a recent post and response on Craigslist (the most popular sell n buy forum in the US). One of the most interesting posts i've ever read, follwer by clearly the best thought out comeback i've ever read. this guy deserves an analyst of the year award...

Quint Vodegel
Post:
Pers-431649184:
Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly beautiful) 25 year old girl. I'm articulate and classy. I'm not from New York. I'm looking to get married to a guy who makes at least half a million a year. I know how that sounds, but keep in mind that a million a year is middle class in New York City, so I don't think I'm overreaching at all.

Are there any guys who make 500K or more on this board? Any wives? Could you send me some tips? I dated a business man who makes average around 200 - 250. But that's where I seem to hit a roadblock. 250,000 won't get me to central park west. I know a woman in my yoga class who was married to an investment banker and lives in Tribeca, and she's not as pretty as I am, nor is she a great genius. So what is she doing right? How do I get to her level?

Here are my questions specifically:
- Where do you single rich men hang out? Give me specifics- bars, restaurants, gyms
-What are you looking for in a mate? Be honest guys, you won't hurt my feelings
-Is there an age range I should be targeting (I'm 25)?
- Why are some of the women living lavish lifestyles on the upper east side so plain? I've seen really 'plain jane' boring types who have nothing to offer married to incredibly wealthy guys. I've seen drop dead gorgeous girls in singles bars in the east village. What's the story there?
- Jobs I should look out for? Everyone knows - lawyer, investment banker, doctor. How much do those guys really make? And where do they hang out? Where do the hedge fund guys hang out?
- How you decide marriage vs. just a girlfriend? I am looking for MARRIAGE ONLY
Please hold your insults - I'm putting myself out there in an honest way. Most beautiful women are superficial; at least I'm being up front about it. I wouldn't be searching for these kind of guys if I wasn't able to match them - in looks, culture, sophistication, and keeping a nice home and hearth.

* it's NOT ok to contact this poster with services or other commercial interests
PostingID: 432279810

Reaction:
Dear Pers-431649184:
I read your posting with great interest and have thought meaningfully about your dilemma. I offer the following analysis of your predicament. Firstly, I'm not wasting your time, I qualify as a guy who fits your bill; that is I make more than $500K per year. That said, here's how I see it.
Your offer, from the perspective of a guy like me, is -- plain and simple -- a cr@ppy business deal. Here's why: Cutting through all the B.S., what you suggest is a simple trade -- you bring your looks to the party and I bring my money. Fine, simple. But here's the rub: your looks will fade and my money will likely continue into perpetuity...in fact, it is very likely that my income increases but it is an absolute certainty that you won't be getting any more beautiful!
So, in economic terms you are a depreciating asset and I am an earning asset. Not only are you a depreciating asset, your depreciation accelerates! Let me explain, you're 25 now and will likely stay pretty hot for the next 5 years, but less so each year. Then the fade begins in earnest. By 35, stick a fork in you!

So in Wall Street terms, we would call yours a trading position, not a buy and hold...hence the rub...marriage. It doesn't make good business sense to "buy you" (which is what you're asking), so I'd rather lease. In case you think I'm being cruel, I would say the following. If my money were to go away, so would you, so when your beauty fades I need an out. It's as simple as that. So a deal that makes sense is dating, not marriage. Separately, I was taught early in my career about efficient markets. So, I wonder why a girl as "articulate, classy and spectacularly beautiful" as you has been unable to find your sugar daddy. I find it hard to believe that if you are as gorgeous as you say you are that the $500K hasn't found you, if not only for a tryout.
By the way, you could always find a way to make your own money and then we wouldn't need to have this difficult conversation. With all that said, I must say you're going about it the right way.

Classic "pump and dump."
I hope this is helpful, and if you want to enter into some sort of lease, let me know.

¿Quién acaonseja al...

No podria estar-hi més d'acord.

http://alfredfontbarrot.blogspot.com/2007_10_01_archive.html#8333722582392285135

Aprofiteu, a més a més, per gaudir d'aquest meravellós blog.

Concurs "Explica-ho a un tonto" Primera Etapa

La concisión i simplicitat és una gran virtut per aquells que hem de comunicar a persones el temps de les quals val molts diners.

Per tal de portar la concisió i simplicitat un pas més enllà he decidit convocar aquest concurs per treure el millor de tots vosaltres.

El concurs consisteix en oferir una definició inèdita, concisa i simple dels conceptes que proposaré.

Evidentment:
1. La brevetat és un mèrit
2. La definició ha de ser inèdita
3. Prohibit utilitzar l'anglès, tots sabem que aquesta llengua facilita la feina (si la teva llengua materna és l'anglès, pots fer-ho en anglès)
4. Segueix els Writing Guidelines de Greg Mankiew reproduïts en aquest blog
5. La definició ha de poder posar-se a la capçalera d'una diapositiva de Power Point
6. Ha de ser comprensible per una persona sense cap coneixement d'economia

A cada definició se li assignarà una puntuació. Etapa rere etapa els participants aniran sumant punts. Un cop el concurs acabi aquell amb més punts serà proclamat guanyador.

FES LA TEVA PARTICIPACIÓ EN UN COMENTARI

Primera Etapa

Cal definir Stock i Flux i destacar el caràcter oposat d'aquests dos termes.
Per donar un punt de partida i fixar un nivell mínim ofereixo la definició que The MIT Diccionary of Modern Economics dóna dels termes que ens ocupen (l'organització, i.e. jo sí que pot utilitzar l'anglès).

Flow: The quantity of an economic variable measured over a period of time. Thus, the flow of investment may be measured as the amount of investment expenditure per year. The term is used to distinguish such measurements from stocks, which measures the physical quantity as an economic variable existing at any moment in time.