The blithering buffoon could have prepared to pay bills, his insurance, and taxes and etc., but he was too busy bragging and dreaming about deck chairs, free buffets, and casinos. Now his bank account is frozen, his auto-pays are bouncing, and calling via the phone is way too expensive, and he can't remember his (no doubt) very clever passwords, so his gay apps are useless. Now I don't know how property tax payments work in NY, but in my state there's a five day grace period, then they penalize you at 2% a day, which can add up really fast. So when the braying moron waddles home, his taxes will be in arrears, his car insurance will be cancelled, and he'll be swamped in late fees. This little seafaring jaunt will end up costing the cow-eyed dolt a minor fortune, and that's before the crippling dental bills.