"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

Looking for input, thank full for your time.

Frank and Gail.

(and is "Gail Wins" a bad name for a boat?)


--

Woodsy,
Off the Grid, Off the Road, Off my Rocker...

Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

There are no answers to the financial questions beyond the here and now.
Will Social Security be around in 5, 10, or 20 years? Will the
purchasing power of the dollar even remotely resemble its current level?
A $100k boat may hold its value far better than $100k in a bank.

The key issue, Frank, is whether you would go ahead with the venture
even if you thought the money wouldn't last. That makes it much easier
and probably more honest as well.


Looking for input, thank full for your time.

Frank and Gail.

(and is "Gail Wins" a bad name for a boat?)


How does Gail see that?

Good luck!

Chuck

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On Fri, 15 Dec 2006 20:12:52 -0500, chuck wrote:

Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

There are no answers to the financial questions beyond the here and now.
Will Social Security be around in 5, 10, or 20 years? Will the
purchasing power of the dollar even remotely resemble its current level?
A $100k boat may hold its value far better than $100k in a bank.

$100k for 20 years is $416/month (no interest calc), seems slim and un
realistic. $2500 for 40 months more like it. We are just looking at
doing it "young" vs too old, perhaps, to enjoy it. If all went well,
retirement fund and SS and 401K is new boat (today's $) with no
worries about refit and fun, although the fun may be less!


The key issue, Frank, is whether you would go ahead with the venture
even if you thought the money wouldn't last. That makes it much easier
and probably more honest as well.

I want to, and the pressure from SO is mounting. I am a stick in the
mud! She is a short fuse of a redhead. I have traveled and had
adventures up till about 10 years ago, she has not. We planed, (well I
did) this at retirement with the farm to come back to if it got to
much, or health reasons, or just a good place to croak. Going now is
burnt bridges and no bailout other than to return to the work force at
an age where retirement should be in the sights.



Looking for input, thank full for your time.

Frank and Gail.

(and is "Gail Wins" a bad name for a boat?)


How does Gail see that?

It was her idea! (damn the torpedo's, full speed ahead)


Good luck!

Chuck

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--

Woodsy,
Off the Grid, Off the Road, Off my Rocker...

Woodsy wrote in
:

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?


BOAT = Bring Out Another Thou$and

The only thing I know of that's more expensive is a corporate jet....(c;

If you think sailing is cheap, drop by the sailmaker's shop and ask him how
much for a new mainsail for a (put your boat manufacturer/size here).

Larry
Some sailors are afraid to unfurl 'em until it's dead calm!...others not at
all!

On Fri, 15 Dec 2006 20:29:00 -0500, Larry wrote:

Woodsy wrote in
:

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?


BOAT = Bring Out Another Thou$and

The only thing I know of that's more expensive is a corporate jet....(c;

If you think sailing is cheap, drop by the sailmaker's shop and ask him how
much for a new mainsail for a (put your boat manufacturer/size here).


That's what is bugging me, I do not see it lasting. 6 months of
constant research and dreaming and trying to see how to make it work
as an evening hobby, lurking here. $5k on rigging every 5 years at a
minimum? Hot glue and patches, run it till the mast comes off, then
jump in and swim? The time I spent in weight test and rigging, and the
sail loft may help, but also enforce the reality of what happens when
something goes wrong with said rigging!

That monster cat on yachtworld, a junk rig, watermaker, and a couple
of fishing poles! who needs all those fancy expensive accessories.

Larry
Some sailors are afraid to unfurl 'em until it's dead calm!...others not at
all!
--

Woodsy,
Off the Grid, Off the Road, Off my Rocker...

Frank,

There is a thread over on the Sailnet.com forum relevant to your questions.

http://www.sailnet.com/forums/cruisi...inancials.html

The thread sort of wanders around, as they tend to do, but does
eventually come back to the question. Also, I found it just plain
interesting and funny at times. I recommend it.

Howard


Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

Looking for input, thank full for your time.

Frank and Gail.

(and is "Gail Wins" a bad name for a boat?)

On Sat, 16 Dec 2006 09:07:57 -0500, Howard wrote:

Frank,

There is a thread over on the Sailnet.com forum relevant to your questions.

http://www.sailnet.com/forums/cruisi...inancials.html

The thread sort of wanders around, as they tend to do, but does
eventually come back to the question. Also, I found it just plain
interesting and funny at times. I recommend it.

Howard

Yes it does wander, and was a great read, thanks for the link.
--

Woodsy,
Off the Grid, Off the Road, Off my Rocker...

Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

Looking for input, thank full for your time.

A month or two ago, Cruising World did an analysis of three ways to
cruise from frugal to luxo. I may be wrong, but that was also all
inclusive. Find and read that issue for all the info on probable costs.

There is NOTHING preventing you from doing small work to earn $$ on the
way. By doing little works you learn more about the communities you
visit than if you just tourist it. Some cruisers have skills they market
to other cruisers like if you are a reefer tech your future is MADE on
the water. Do not count on employment overseas, but it's easy in the US.
You can market your skills to cruisers anywhere.

Make it clear to the brokers that you are future buyers. Establish a
relationship with a broker who you learn to like and then when you are
ready to buy, contact that broker, say what you want, and make him part
of the deal. That way both of you are happy and you aren't exploiting
the guy now.

You will definitely want a broker on your side when you buy for a
variety of reasons I expect you know. If not, then repost.

-paul

Paul Cassel wrote:
Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

Looking for input, thank full for your time.

A month or two ago, Cruising World did an analysis of three ways to
cruise from frugal to luxo. I may be wrong, but that was also all
inclusive. Find and read that issue for all the info on probable costs.

There is NOTHING preventing you from doing small work to earn $$ on the
way. By doing little works you learn more about the communities you
visit than if you just tourist it. Some cruisers have skills they market
to other cruisers like if you are a reefer tech your future is MADE on
the water. Do not count on employment overseas, but it's easy in the US.
You can market your skills to cruisers anywhere.

Make it clear to the brokers that you are future buyers. Establish a
relationship with a broker who you learn to like and then when you are
ready to buy, contact that broker, say what you want, and make him part
of the deal. That way both of you are happy and you aren't exploiting
the guy now.

You will definitely want a broker on your side when you buy for a
variety of reasons I expect you know. If not, then repost.

-paul

Another key issue is the extent to which you can/will do your own
maintenance work. Will you scrape the bottom, rebuild the head, install
the SSB, etc. or will you pay to have that work done? Sort of the
difference between a laid-back vacation and a scraped-knuckle lifestyle.
It might be good to actually do a big chunk of that work before
deciding. It's not so much rocket science as it is savvy. I know my own
life is probably a little shorter due to worrying (needlessly, it turned
out) while at sea that repairs I did weren't done quite the way they
should have been. In my case, that was probably the strongest argument
for having a pro do the work. Some folks will work so hard for
perfection that they never leave their slip: its easier.

Chuck

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On Sat, 16 Dec 2006 11:51:52 -0700, Paul Cassel
wrote:

Woodsy wrote:
"In my youth" I went half way around and back. At the helm a lot of
the way in a big USN way. "As I age" I wish to do it all the way
around. My wife and I will be in South Florida for vacation the week
of Christmas, and would like to look at ?catamarans? capable of a
circumnavigation. We would not be able to purchase before next fall,
hinging on the sale of everything we own to accomplish this dream.
Is there a polite way to view boats in the $100k to $150k range while
not feeling that we are taking advantage of some brokers time, or a
private individual's time, knowing that the boats we look at will have
been sold by then? (I also wonder if SO will be able to handle the
small quarters)

Is it realistic to think that a well equipped boat, with $100k in the
bank will last? 5?, 10?, 20 years till social security kicks in?

Looking for input, thank full for your time.

A month or two ago, Cruising World did an analysis of three ways to
cruise from frugal to luxo. I may be wrong, but that was also all
inclusive. Find and read that issue for all the info on probable costs.

Wow, about 5 hours before you wrote this, I picked up 10/06 (and 11
and 12/06) CW, and the article was in it. I have got to clean out the
POBox more often.I just started in to the article tonight.
Thanks, I would have bought the back issue otherwise.


There is NOTHING preventing you from doing small work to earn $$ on the
way. By doing little works you learn more about the communities you
visit than if you just tourist it. Some cruisers have skills they market
to other cruisers like if you are a reefer tech your future is MADE on
the water. Do not count on employment overseas, but it's easy in the US.
You can market your skills to cruisers anywhere.

Master plumber. the odd diesel mechanics,gas engine,small engine,etc
classes as continuing education, off the grid for over a decade in
recent past, worked in the weight test and rigging, sail loft on a
tender. B'osun. I own an O-Scope! And a pile of tools I can make a
living off of. Humm, maybe this cheap thing could work. That monster
cat on yacht world looks better and better. Deck crane, pull your
engine and meet you in Tahiti, drop it back in rebuilt. How many cans
of universal refrigerant before you violate a law?


Make it clear to the brokers that you are future buyers. Establish a
relationship with a broker who you learn to like and then when you are
ready to buy, contact that broker, say what you want, and make him part
of the deal. That way both of you are happy and you aren't exploiting
the guy now.

You will definitely want a broker on your side when you buy for a
variety of reasons I expect you know. If not, then repost.

I don't see a lot of positives with a broker.
What makes them desirable, and what makes a good one?


Thanks again,

Frank


--

Woodsy,
Off the Grid, Off the Road, Off my Rocker...