What is a house worth?

I was thinking about how we will all be working for the rest of our lives to pay for the monthly bill of rent or mortgage just to have simple shelter. So then I wondered, what are we really paying for?
And using a house boat as a reference, you can get an idea of what that monthly bill is actually paying for.
If you bought a large 2br 2 ba. houseboat, and then bought an equally sized house. The differences are:

1. The land is free on a boat, because nobody wants water, but the land on a house is expensive because of supply and demand.
2. The boat depreciates with age while a house appreciates over time.
3. The boat requires maintenance but no less than a house.
4. The taxes are less on a boat(half that of a car).
5. There is skilled labor involved in constructing a house or a boat, but boats loose that value while houses add that value.

So in the end you are paying for exclusive rights to a particular 3-dimensional space when living on land, and so you are paying mostly just to exist in a high demand area, because otherwise the houses material value, and skilled labor value, would depreciate in the same way that boats do.

So if you're smart you should construct your own house using free or self bought materials, in an area where there is high supply and no demand for the land(water or mountains or cold). And also go to where you don't have to pay taxes and live under building codes(Alaska or water or in a landlocked/unvisited area). You can make a house better than code easier anyway. This way you won't get stuck paying that 800$ monthly bill for the rest of your life, like the rest of us, and instead spend that money on actual products and services instead of paying forever for the imaginary worth of 3-d space.

Why not work for yourself 8 hours a day building your own house, instead of working to pay the bank that actually owns your house.

Way of life 1

way of life 1

Living on a Boat to Limit Liabilities, and Obligations

You can buy a good used cabin cruiser for under $5,000 on craigslist.com. It's good to buy a boat that is broken in and cheaper and has add on's because it's used.
I may buy one when I save up that much and live for free on the water instead of living the high liability lifestyle of the city of owning a house and having kids. Besides, when you have a big mortgage and taxes and kids and a car then no matter how good a job you have, you'll never again have time or money. And therefor you'll never again have fun.
If you can save $500 a month while still living this lifestyle, then you are pretty much retired and can become rich by just saving up money, while still being a vagabond.

Here are some reasons for you to mull over about owning a boat.

• In general insurance for a boat is half that of a car's insurance. (half of 60$)
  
• A house on the water has no property tax like land based houses do.
• In international waters there are no laws such as open alcohol containers or fire arms or sales/income/property taxes.
  
• It's free to anchor on a public island and stay as long as you want, also there are innumerable flood prone islands that are uninhabitable during parts of the year or during storms, these you can inhabit whenever they are not flooded and there are no storms forecasted.
• In the Bahamas there is a 100 square mile area of water that is just as deep as a backyard swimming pool, and it's warm in the summer!
  
• Free fish, and crab in Florida and Alaska!
  
• Free coconuts, on certain Florida keys and the rest of the Bahamas.
• Wind can be used instead of gas and is a backup plan in case your engine dies. And can also be used most of the time in order to not pay for gas.
  
• You can have GPS and a satellite weather forecaster to avoid storms when they aproach and to find islands. Actual cruise ship captains use this trick to change course to have fun at a different port that is not currently having a storm.
  
• You can always go to port to shop once a week to get necessities.
  
• You can just go to the bathroom over the side of the boat.
• The silence is pleasant
• No utility bills, other than gas
  
• The only thing requiring maintenance is the motor
• You can bury treasure
• It beats living outside of a car. You can't park anywhere but you can anchor anywhere.
• You can build forts in remote places
  

Things to research on youtube: How to call mayday in case of emergency. How to clean your boat. How to get gas for the boat. How to take a shower on a boat. How to clean clothes on a boat. How to get electricity on a boat. Call a local marina that caters to live aboard's, and is protected from boat wakes, and ask what moorage costs are and what to do for trash and sewage and other rules.
In the heat you don't want to burn gas for air conditioning so instead just enjoy the weather and also in the rain and cold just go inside the cabin. Get at least a 32 ft. boat. But smaller boat require less gas. insurance from "boat US" or "state farm". clean the bottom of boat once a year in salt water. get a parking space for driving to work. Good marinas are full service and can work on your engine and paint and clean. maintenance costs should be 10% of the value of the boat per year.

Initial costs:

• Down payment
  
• Tax
• Survey
• Registration
  
• Delivery
• Repairs and upgrades

Monthly costs:

• Boat payment
• Insurance
• Slip fees
  
• Municipal taxes
• Utilities
• Water
• Cellphone
• Internet: Find free wifi
  
• Satellite comm. systems
• TV: Use internet
  
• Parking
  
• Storage
• Other

Seasonal costs:

• Annual registration fees
• licensing/ use fees
• property excise tax
• routine maintenance
• Commissioning expenses
• Decommissioning expense
• hauls/wash/ launch
• bottom painting
• winter shrink wrapping: For wooden boat
• live aboard fee: many marinas now charge.
  
• emergency service fee
  
• other

Operating costs:

• fuel
  
• transient fees. Going elsewhere also
  
• water taxi fees
• ice cubes

Should be 600$/month without fuel costs.

The above info gotten from living aboard a boat on youtube.

When starting out I might just have a boat dock and slowly separate myself from the comforts of the city. First find out how to dock at ports that you've not been to before, and also how to dock for free to go grocery shopping.
This idea, and my cave house fort idea, are my favorite ideas right now.