"Send lawyers, guns and money..."
Sep. 27th, 2004 01:48 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
tyggerjaiMan. Eurail passes are expensive. ~$750 for 4 days travel in a month. Now, ok. that's unlimited travel on those days, and I can't get teh intarweb to easily tell me what it would cost to go from London to Venice ad-hoc, but sweet jesus, that's pricey.
In other news, banks no longer fund personal loans by putting the money straight into your account. There's no reason they can't - the loan is unsecured anyway, so it doesn't matter if you spend it on what you say you're going to or not. Presumably there's some sort of due diligence thing in there - they have to show their shareholders/board that they're not just giving money away for hookers and blow, but it makes it very difficult if your travel agent doesn't do written quotes. I'm about to go back to the travel agent to say "Ok - if I put 10% down straight away, will you give me a written _invoice_ that covers everything, so the bank can just cut you a check?", but at the moment, I'm thinking I can almost afford to do this with the tax return and credit card. The interest on the credit card is higher, natch, but not *that* much, and I can pay for the bulk of the travel & accomodation out of the tax return. Then I have a few months to get the credit card down to 0 (which is doable), and save some extra. Credit card limit is $3,000, we can probably save a couple of grand on top of that, so 5 grand spending money for three weeks in Europe sound about right, eh?
Eh. But if I'm doing that, I might as well get the bank to cough up a few measly grand for the plane tickets, which is the bit I *can* get invoiced. And if I add the Eurail passes to that, then that's $5K from the bank, which takes no time to pay back, the tax return can go on clearing the credit card, and we can save a couple grand on top of that.
I can hear my boss saying "ING Direct! Do it now! Get it taken straight out of your pay!!". And he's right, of course ;)
Oh, and I should have booked accomodation in Venice when![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
frou_frou did. At the moment, I suspect we'll be camping in her hotel room :)
Oh - and if you're reading this and you're my girlfriend, you'll notice that we're back to plan A - Venice in Feb. This is because it's cheaper to go to Venice in Feb. and stay for a week *and* get a Eurail pass - even at Carnevale prices - than just flying to london over Christmas, even if there were seats avaiable on flights to London over Christmas, which there aren't :)
sol.
.
In other news, banks no longer fund personal loans by putting the money straight into your account. There's no reason they can't - the loan is unsecured anyway, so it doesn't matter if you spend it on what you say you're going to or not. Presumably there's some sort of due diligence thing in there - they have to show their shareholders/board that they're not just giving money away for hookers and blow, but it makes it very difficult if your travel agent doesn't do written quotes. I'm about to go back to the travel agent to say "Ok - if I put 10% down straight away, will you give me a written _invoice_ that covers everything, so the bank can just cut you a check?", but at the moment, I'm thinking I can almost afford to do this with the tax return and credit card. The interest on the credit card is higher, natch, but not *that* much, and I can pay for the bulk of the travel & accomodation out of the tax return. Then I have a few months to get the credit card down to 0 (which is doable), and save some extra. Credit card limit is $3,000, we can probably save a couple of grand on top of that, so 5 grand spending money for three weeks in Europe sound about right, eh?
Eh. But if I'm doing that, I might as well get the bank to cough up a few measly grand for the plane tickets, which is the bit I *can* get invoiced. And if I add the Eurail passes to that, then that's $5K from the bank, which takes no time to pay back, the tax return can go on clearing the credit card, and we can save a couple grand on top of that.
I can hear my boss saying "ING Direct! Do it now! Get it taken straight out of your pay!!". And he's right, of course ;)
Oh, and I should have booked accomodation in Venice when
frou_frou did. At the moment, I suspect we'll be camping in her hotel room :) Oh - and if you're reading this and you're my girlfriend, you'll notice that we're back to plan A - Venice in Feb. This is because it's cheaper to go to Venice in Feb. and stay for a week *and* get a Eurail pass - even at Carnevale prices - than just flying to london over Christmas, even if there were seats avaiable on flights to London over Christmas, which there aren't :)
sol.
.
(no subject)
Date: 2004-09-28 06:24 am (UTC)I got a $9k loan from CBA in January for my camera gear, I showed some printed but yet unordered shopping carts, and they gave me the money no sweat.
(no subject)
Date: 2004-09-28 03:53 pm (UTC)So I think it's a Victoria thing. But it's *good* for the state's economy, honest!
Pain in the arse, anyway. Maybe I should take a trip to Canberra, since my actual account was opened there :)
sol.
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