In "Wilbur Hubbard" writes:


"Lauri Tarkkonen" wrote in message
...
In "Wilbur Hubbard"
writes:


"Lauri Tarkkonen" wrote in message
...
In "KLC Lewis"
writes:


wrote in message
...
Net loss of 270K. You pay 27 thousand dollars a year to use your
boat
a dozen or so weekends a year. Stupid, just plain stupid!

Think about it.

Wilbur Hubbard

Now Wilbur do the math if the idiot did not purchased a boat.
Show with concrete evidence what happened to the 270K that what
not
spend
buying and maintaining a boat.


"Wilbur Hubbard" wrote in
message
...
The average idiot buys a boat for say 100K and finances it for
ten
years. He fits it out and keeps it in a slip. The fitting out
costs 20K,
the slip costs 5K per year, the insurance costs 1K a year.
Haulout
for
bottom paint 1K a year. Fuel 1/2K a year.

After ten years the idiot has spent 250K paying back the loan,
20K
fitting out, 50K slip fee, 10K insurance, 10K haulout, 5K fuel,
oil,
filters, etc.

345K invested in a 100K boat that perhaps can be sold in ten
years
for
75K. Net loss of 270K. You pay 27 thousand dollars a year to use
your
boat a dozen or so weekends a year. Stupid, just plain stupid!

Think about it.

Wilbur Hubbard

As for me and Essie, I paid cash for her (all of $8,000) and have
probably
put another $15,000 into new sails, rigging, instruments, anchors
and
other
improvements over the past 6 years. I pay about $3,000 per year on
summer
slip / winter storage. Insurance is about $350 per year. Fuel? I
haven't
bought any for years -- I probably burn about $10 worth in a season,
since
the motor rarely runs and only burns about a quart an hour. Haulout
for
bottom paint? Hauling out happens every October, as close to
Halloween
as I
can manage. I repaint the bottom, if needed, before splashing in the
spring
(one month from today) and isn't an extra expense. But everywhere
I've
been
where bottom painting requires special haul-out, it happens every
three
years or so, and costs about $500. Even if it's a grand, it's not a
grand
every year.

What's she worth today? I can't say. I wouldn't sell her for rubies.
If I go
broke and bankrupt and lose 'most everything I own, I will still
have
my
boat which will be my only home. People go to bars and pay $5.00 for
a
drink
which passes right through them after stealing their brain for a
spell. To
me, THAT is a waste of money. Whatever floats y'er boat, mate!

We all know that it is dangerous to have more money than brains. To
me
you are very fortunate, you are rich enough to get a boat enjoy it
and
this other man is so poor he must calculate if he can afford one or
not.
As he can not afford it, we really should feel sorry for him.

- Lauri Tarkkonen

Lauri,

You are a trip. So touchy-feely and all that liberal crapola. If it
feels good go it. But have you never stopped to think you could have
taken your investment advisor's advice and invested in something that
would earn you some money instead of something that cost you an arm
and
a leg?

Looks like you are even more cueless than I thought. The first boat I
bought was a racing dinghy in East Africa. Because I was keen to learn
and had more brains than money, I did some work on the boat and won a
number of races (actually some 90% of them) and sold my dinghy with
about a double what I had spent on it, because everybody with more
money
than brains thought that it is nice to own a winning boat, you just
sit
in it and win the next race. Then I came back to Finland, bought my
first 27 foot keelboat and sold it after 5 years with about double of
the price I bought it, the stock marked would have brought me about
20%
if I had done it properly, if I had done it badly I could have lost
everything, but at the meantime I could sail my boat entertain my
friends that would not be possible with the stock, bond or gold.

You can always charter a boat for a week-end if you highly value
a sunset somewhere aboard.

There are not a very good market for chartering, and it is very
difficult to coordinate the weather and the rosy sunset for the
evenings
you charter the boat. Because I have been working in the university I
can administer my summers as I please, so I live in the boat
practically for two and half to three months. If I was forced to chace
the money as you seem to be, then I could afford to sail only for a
weekend or two, but this will not satisfy me.

I am afraind you do not know much about boats. Most of the sailors
have
an idea what kind of boat they do like to sail. The charter companies
supply boats to ignorant people like you. They are suitable for being
kept in the harbour, you can invite your gests, offer them some
champagne, as they have cooling equipment, but they do not sail very
well, you do not get the feeling of beating in heavy weather and the
boat is nicely trimmed and goes high in the wind with some speed. Or
then you are aproaching the harbour in the dying wind, the waves are
not
there the boat just goes, perhaps only 2 to 3 knots, but the silence
of
the nature is beutifull, once a while you hear a familiar bird and you
know when you get to the harbour your wife is going to make a nice
meal.

The best of both worlds can be had with a little sane thinking.

Sorry you are ignorant. There are not boats I like for charters not in
the area I sail and not when I want them. By the way, I have a
interesting project in my boat: Because we had a super warm summer, my
vife wanted a more efficient and bigger refrigerator. After some
thinking I know how it can be done, I have the cooling equipment and
the
materials, when I get time to really do it, I will. To solve these
kind
of problems could give some satisfaction to someone. Of course you can
get your satisfaction by earning another million, but if you can only
sail for a weekend and you can not afford a boat you like for
yourself,
I think you are quite poor.

I can tell from your posts that you are quite impoverished.

I know that the governement does not pay very much, but as a professor
of statistics I have a quite interesting and satisfying job and if I
do
not retire within a couple of months, i will do it within a year, and
I
have paid for my house, car and boat have a bit money in the bank, so
I
do not have to ask if I can afford to have the boat I like or if I can
afford to sail it.

People who say it's dangerous to have more money than brains usually
have less brains than usual. You can NEVER have too much money.
Just like you can never have too much fun.

I guess I have been working for some 40 years in a field asking for
brains, and done decently so I believe I have enough of them. I have
enough money to get what I need, but seems to me, you do not have, as
the money is an issue for you.

But, you do sound kinda cute. Do you have a nice figure? Are you 35 or
under? Do you have all your teeth? Can you read a compass. Post a link
to a picture if you're attractive. I'll take you out on my (paid for)
boat (a Swan 68) and we can have a sunset all to ourselves. I live
like
a king. You can be queen for a day.
How's about it honey?

Perhaps you are gay, I am not, so I do not see much point in your
offer.
I can read a compas, splice ropes and wire, install electronics and
repair and trim sails and be a very usefull hand on a boat, but as I
said I can afford to sail the boats I like. Swan 68 is a nice boat,
but
I am afraid i would not buy it even if had the money, i can admit I do
not have it, one reason being that I choose a career accoring to my
interest not the economic appeal. So I do not have to prostitute
myself
now.

- Lauri Tarkkonen


I withdraw my offer. But with a name like Lauri you must get mistaken
for a woman all the time. Do yourself a favor. Change it to Larry or
something male, please.

Wilbur Hubbard

I was smart of you to concentrate on the name issue, because you was
proven to be wrong and stupid in all other counts of your post. Your
posts tell me, that either you are a troll, who can not even dream to
have a bot of his own, or you are a complete jerk, who thinks that money
can buy everything and on the other hand you do not know anything about
boats and sailing.

- Lauri Tarkkonen