sailboat buying strategy
 

After much discussion by the four of us, we've concluded that we're pretty
much there, as far as being able to afford something in the $300K range. The
basic philosophy we're using (and have used individually and collectively
for most big purchases) has been to save for twice the expected cost. This
has the effect of allowing us some wiggle room with purchase prices in
general, not feeling like we're cash broke after a major purchase (e.g.,
with our two mortgages, we can afford twice the current monthly payment), it
gives us the ability to incur after-sale expenses (oh, yeah, I guess a
sailboat does need a mast), and extends the time before one or more of us
needs to seriously get back to work. (Two of us will be standing down from
active work for the better part of 1-2 years, the other two will head back
into the grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

--
Nom=de=Plume

sailboat buying strategy
 

On Jun 8, 1:45*pm, "nom=de=plume" wrote:
After much discussion by the four of us, we've concluded that we're pretty
much there, as far as being able to afford something in the $300K range. The
basic philosophy we're using (and have used individually and collectively
for most big purchases) has been to save for twice the expected cost. This
has the effect of allowing us some wiggle room with purchase prices in
general, not feeling like we're cash broke after a major purchase (e.g.,
with our two mortgages, we can afford twice the current monthly payment), it
gives us the ability to incur after-sale expenses (oh, yeah, I guess a
sailboat does need a mast), and extends the time before one or more of us
needs to seriously get back to work. (Two of us will be standing down from
active work for the better part of 1-2 years, the other two will head back
into the grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

--
Nom=de=Plume


I cannot comment on your finances as this is far more than I would be
willing to pay for a boat.
However, it does not have a mast?

sailboat buying strategy
 

On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up
on boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

sailboat buying strategy
 

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

sailboat buying strategy
 

On Tue, 08 Jun 2010 14:08:00 -0400, Jeddadiah Smith
wrote:

On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up
on boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

You sound like an asshole.

sailboat buying strategy
 

On Jun 8, 12:45*pm, "nom=de=plume" wrote:
After much discussion by the four of us, we've concluded that we're pretty
much there, as far as being able to afford something in the $300K range. The
basic philosophy we're using (and have used individually and collectively
for most big purchases) has been to save for twice the expected cost. This
has the effect of allowing us some wiggle room with purchase prices in
general, not feeling like we're cash broke after a major purchase (e.g.,
with our two mortgages, we can afford twice the current monthly payment), it
gives us the ability to incur after-sale expenses (oh, yeah, I guess a
sailboat does need a mast), and extends the time before one or more of us
needs to seriously get back to work. (Two of us will be standing down from
active work for the better part of 1-2 years, the other two will head back
into the grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

--
Nom=de=Plume


Wow! That's way more of an udertaking than what I could persue. But
good luck anyhow.

sailboat buying strategy
 

On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. Although it may offer space, it's more to
keep up and more work to sail.

sailboat buying strategy
 

"Frogwatch" wrote in message
...
On Jun 8, 1:45 pm, "nom=de=plume" wrote:
After much discussion by the four of us, we've concluded that we're
pretty
much there, as far as being able to afford something in the $300K range.
The
basic philosophy we're using (and have used individually and collectively
for most big purchases) has been to save for twice the expected cost.
This
has the effect of allowing us some wiggle room with purchase prices in
general, not feeling like we're cash broke after a major purchase (e.g.,
with our two mortgages, we can afford twice the current monthly payment),
it
gives us the ability to incur after-sale expenses (oh, yeah, I guess a
sailboat does need a mast), and extends the time before one or more of us
needs to seriously get back to work. (Two of us will be standing down
from
active work for the better part of 1-2 years, the other two will head
back
into the grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

--
Nom=de=Plume


I cannot comment on your finances as this is far more than I would be
willing to pay for a boat.
However, it does not have a mast?

That's a joke man... sheesh.

Wasn't talking about the money... talking about the strategy.

sailboat buying strategy
 

"Jeddadiah Smith" wrote in message
...
On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up on
boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

What debts besides the houses? Your next sentence makes no sense. Don't need
your opinion. The facts are that you are a moron.

sailboat buying strategy
 

"jps" wrote in message
...
On Tue, 08 Jun 2010 14:08:00 -0400, Jeddadiah Smith
wrote:

On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up
on boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

You sound like an asshole.

Sound like?? Sound like?? :)

sailboat buying strategy
 

"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've spent
some time on a boat, but not more than a few weeks. I think it's a viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11 for a
few weeks. Seems like that would be pretty close. :)

sailboat buying strategy
 

"Tim" wrote in message
...
On Jun 8, 12:45 pm, "nom=de=plume" wrote:
After much discussion by the four of us, we've concluded that we're
pretty
much there, as far as being able to afford something in the $300K range.
The
basic philosophy we're using (and have used individually and collectively
for most big purchases) has been to save for twice the expected cost.
This
has the effect of allowing us some wiggle room with purchase prices in
general, not feeling like we're cash broke after a major purchase (e.g.,
with our two mortgages, we can afford twice the current monthly payment),
it
gives us the ability to incur after-sale expenses (oh, yeah, I guess a
sailboat does need a mast), and extends the time before one or more of us
needs to seriously get back to work. (Two of us will be standing down
from
active work for the better part of 1-2 years, the other two will head
back
into the grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

--
Nom=de=Plume


Wow! That's way more of an udertaking than what I could persue. But
good luck anyhow.

We've been talking about it for several years on one level or another. It
started with us talking about a place in Carib. possibly with some
beachfront property and a small catamaran, then it sort of "evolved" into a
boat purchase. I keep vacillating between types of boats... one hull vs.
two, although the others are more interested in the single hull variety.
Never really thought much about three hulls, although we did see a couple of
them last time we were sailing.

sailboat buying strategy
 

nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


You're nuts if you think you can get any good advice on high-priced
sailboats from the assholes here.
Except for Wayne, none know squat about that, and he's a stinkpotter now
and out of the loop.
Try internet sailboat forums.
Just come here to talk powerboats or to take a dump.

Jim - Holding my nose while here.

sailboat buying strategy
 

On Tue, 8 Jun 2010 13:09:52 -0700, "nom=de=plume"
wrote:


"Wayne.B" wrote in message
.. .
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've spent
some time on a boat, but not more than a few weeks. I think it's a viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11 for a
few weeks. Seems like that would be pretty close. :)

You'd have to have someone rocking it at all times while simulating
system breakdowns, while dousing it with salt laden water that you
have to attend to as it dries.

Try to find a fiberglass van with lots of chrome on it so you get an
opportunity to keep up the appearance.

sailboat buying strategy
 

"jps" wrote in message
...
On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. Although it may offer space, it's more to
keep up and more work to sail.

Actually, it would be a 40+ foot boat. :) I think the one big issue that's a
continuing concern is our ability to sail a boat that size, esp. if one or
more of us is incapacitated (ill or injured). Seems like unless a major
course change is required it wouldn't be too much of a deal, but what about
a storm or whatever, and what about docking, esp. I've banged my old boat
into docks and such and that was a pretty small boat!

sailboat buying strategy
 

"jps" wrote in message
...
On Tue, 8 Jun 2010 13:09:52 -0700, "nom=de=plume"
wrote:


"Wayne.B" wrote in message
. ..
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've
spent
some time on a boat, but not more than a few weeks. I think it's a viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11 for
a
few weeks. Seems like that would be pretty close. :)

You'd have to have someone rocking it at all times while simulating
system breakdowns, while dousing it with salt laden water that you
have to attend to as it dries.

Try to find a fiberglass van with lots of chrome on it so you get an
opportunity to keep up the appearance.

Yeah, and pooping in the van... don't forget that. lol

sailboat buying strategy
 

"Jim" wrote in message
...
nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends the
time before one or more of us needs to seriously get back to work. (Two
of us will be standing down from active work for the better part of 1-2
years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


You're nuts if you think you can get any good advice on high-priced
sailboats from the assholes here.
Except for Wayne, none know squat about that, and he's a stinkpotter now
and out of the loop.
Try internet sailboat forums.
Just come here to talk powerboats or to take a dump.

Jim - Holding my nose while here.


Heh... well, I tend to discount opinions that are wrong. :)

sailboat buying strategy
 

On Tue, 8 Jun 2010 13:56:05 -0700, "nom=de=plume"
wrote:


"jps" wrote in message
.. .
On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. Although it may offer space, it's more to
keep up and more work to sail.

Actually, it would be a 40+ foot boat. :) I think the one big issue that's a
continuing concern is our ability to sail a boat that size, esp. if one or
more of us is incapacitated (ill or injured). Seems like unless a major
course change is required it wouldn't be too much of a deal, but what about
a storm or whatever, and what about docking, esp. I've banged my old boat
into docks and such and that was a pretty small boat!

There are plenty of larger sailboats easily handled by two or even
singlehanded. But, as you point out, there are risks in doing so.

Add to your list that a longer hull (of the right design) with more
weight is likely to be more seaworthy, comfortable and efficient
under sail.

sailboat buying strategy
 

On Jun 8, 5:11*pm, jps wrote:
On Tue, 8 Jun 2010 13:56:05 -0700, "nom=de=plume"
wrote:





"jps" wrote in message
.. .
On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. *It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. *Insurance costs
vary by location, length of season, cruising range, and quality of
policy. *There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. * That may sound obvious but it happens all the
time. * Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. *You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. *I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. *Although it may offer space, it's more to
keep up and more work to sail.

Actually, it would be a 40+ foot boat. :) I think the one big issue that's a
continuing concern is our ability to sail a boat that size, esp. if one or
more of us is incapacitated (ill or injured). Seems like unless a major
course change is required it wouldn't be too much of a deal, but what about
a storm or whatever, and what about docking, esp. I've banged my old boat
into docks and such and that was a pretty small boat!

There are plenty of larger sailboats easily handled by two or even
singlehanded. But, as you point out, there are risks in doing so.

Add to your list that a longer hull (of the right design) with more
weight *is likely to be more seaworthy, comfortable and efficient
under sail.

My objection to catamarans has been that I thought it would cost twice
as much as a mono to keep em in a slip but I have been told by several
catamaran owners that I am incorrect on that. 3 Catamaran owners in
FL have told me that they have had no diff between prices for a mono
and cat. If I had the money to buy a big boat, I'd buy a catamaran,
particularly for the bahamas and the caribbean.

sailboat buying strategy
 

On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

sailboat buying strategy
 

"nom=de=plume" wrote in message
...

"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've
spent some time on a boat, but not more than a few weeks. I think it's a
viable plan. Perhaps we could just live in a van in parking lot behind a
7/11 for a few weeks. Seems like that would be pretty close. :)


The former Larry from Charleston (yes, the half decent Larry) had a little
spiel that he wrote whenever someone dreamed about spending a lot of time on
a cruising sailboat.
It got the point across.

sailboat buying strategy
 

"nom=de=plume" wrote in message
...

"jps" wrote in message
...
On Tue, 8 Jun 2010 13:09:52 -0700, "nom=de=plume"
wrote:


"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that
much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've
spent
some time on a boat, but not more than a few weeks. I think it's a viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11
for a
few weeks. Seems like that would be pretty close. :)

You'd have to have someone rocking it at all times while simulating
system breakdowns, while dousing it with salt laden water that you
have to attend to as it dries.

Try to find a fiberglass van with lots of chrome on it so you get an
opportunity to keep up the appearance.

Yeah, and pooping in the van... don't forget that. lol


I don't think that would bother a few of the regulars in here.... in fact,
they'd be right at home. (that would be you FlatulentJim and Dingy Dan)

sailboat buying strategy
 

"nom=de=plume" wrote in message
...

"Jim" wrote in message
...
nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


You're nuts if you think you can get any good advice on high-priced
sailboats from the assholes here.
Except for Wayne, none know squat about that, and he's a stinkpotter now
and out of the loop.
Try internet sailboat forums.
Just come here to talk powerboats or to take a dump.

Jim - Holding my nose while here.


Heh... well, I tend to discount opinions that are wrong. :)


If you get to the British Virgin Islands anytime soon, I'll ask my buddy
down there to show you the ropes on how to live on a boat 'on the cheap'.
He's been doing it for the last 15 years.

sailboat buying strategy
 

On Jun 8, 6:05*pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

sailboat buying strategy
 

On Tue, 8 Jun 2010 15:18:18 -0700 (PDT), Frogwatch
wrote:

On Jun 8, 6:05*pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

It's so damned funny to watch you "conservatives" squirm when you find
out a liberal can be well founded and still speak on behalf of those
who haven't a voice.

We don't bitch about paying our fair share. There's still plenty left
over to live, sometimes even comfortably.

sailboat buying strategy
 

On Tue, 8 Jun 2010 13:56:42 -0700, "nom=de=plume"
wrote:


"jps" wrote in message
.. .
On Tue, 8 Jun 2010 13:09:52 -0700, "nom=de=plume"
wrote:


"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've
spent
some time on a boat, but not more than a few weeks. I think it's a viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11 for
a
few weeks. Seems like that would be pretty close. :)

You'd have to have someone rocking it at all times while simulating
system breakdowns, while dousing it with salt laden water that you
have to attend to as it dries.

Try to find a fiberglass van with lots of chrome on it so you get an
opportunity to keep up the appearance.

Yeah, and pooping in the van... don't forget that. lol

Don't know if it's a fair comparison to just throw a porta potty in
there. Boats of any decent size always have a well ventilated,
closeable box in which to perform daily rituals.

sailboat buying strategy
 

"Frogwatch" wrote in message
...
On Jun 8, 6:05 pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

?? It's $300K while having a luxury car (2001) and one mortgage.

Sounds like you're very angry. Too bad. You should take a pill or something.

Basically, you're unwilling to give up your political rant no matter what.
Then, you claim you're only going to talk about on-topic stuff. I think
you're just a fool. Sorry if that ****es you off. Honestly, it's really a
turnoff, mainly because it's impossible to have a rational discussion with
someone who is so filled with loathing.

sailboat buying strategy
 

"jps" wrote in message
...
On Tue, 8 Jun 2010 15:18:18 -0700 (PDT), Frogwatch
wrote:

On Jun 8, 6:05 pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

It's so damned funny to watch you "conservatives" squirm when you find
out a liberal can be well founded and still speak on behalf of those
who haven't a voice.

We don't bitch about paying our fair share. There's still plenty left
over to live, sometimes even comfortably.

Yeah, I've never heard of any rightwing nuts who are attorneys. I don't
think they actually exist. Froggie is an idiot.

sailboat buying strategy
 

"Frogwatch" wrote in message
...
On Jun 8, 5:11 pm, jps wrote:
On Tue, 8 Jun 2010 13:56:05 -0700, "nom=de=plume"
wrote:





"jps" wrote in message
.. .
On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases,
such as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. Although it may offer space, it's more to
keep up and more work to sail.

Actually, it would be a 40+ foot boat. :) I think the one big issue
that's a
continuing concern is our ability to sail a boat that size, esp. if one
or
more of us is incapacitated (ill or injured). Seems like unless a major
course change is required it wouldn't be too much of a deal, but what
about
a storm or whatever, and what about docking, esp. I've banged my old
boat
into docks and such and that was a pretty small boat!

There are plenty of larger sailboats easily handled by two or even
singlehanded. But, as you point out, there are risks in doing so.

Add to your list that a longer hull (of the right design) with more
weight is likely to be more seaworthy, comfortable and efficient
under sail.

My objection to catamarans has been that I thought it would cost twice
as much as a mono to keep em in a slip but I have been told by several
catamaran owners that I am incorrect on that. 3 Catamaran owners in
FL have told me that they have had no diff between prices for a mono
and cat. If I had the money to buy a big boat, I'd buy a catamaran,
particularly for the bahamas and the caribbean.

I think it would mostly be for the Pacific side. Going through the Canal
might be interesting for a long-term goal.

sailboat buying strategy
 

"jps" wrote in message
...
On Tue, 8 Jun 2010 13:56:42 -0700, "nom=de=plume"
wrote:


"jps" wrote in message
. ..
On Tue, 8 Jun 2010 13:09:52 -0700, "nom=de=plume"
wrote:


"Wayne.B" wrote in message
m...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that
much,
nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have
an
opportunity to do that for about a six-week stretch this summer. We've
spent
some time on a boat, but not more than a few weeks. I think it's a
viable
plan. Perhaps we could just live in a van in parking lot behind a 7/11
for
a
few weeks. Seems like that would be pretty close. :)

You'd have to have someone rocking it at all times while simulating
system breakdowns, while dousing it with salt laden water that you
have to attend to as it dries.

Try to find a fiberglass van with lots of chrome on it so you get an
opportunity to keep up the appearance.

Yeah, and pooping in the van... don't forget that. lol

Don't know if it's a fair comparison to just throw a porta potty in
there. Boats of any decent size always have a well ventilated,
closeable box in which to perform daily rituals.

Well, I wasn't talking about doing it on the floor! lol

sailboat buying strategy
 

"YukonBound" wrote in message
...


"nom=de=plume" wrote in message
...

"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that
much, nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have an
opportunity to do that for about a six-week stretch this summer. We've
spent some time on a boat, but not more than a few weeks. I think it's a
viable plan. Perhaps we could just live in a van in parking lot behind a
7/11 for a few weeks. Seems like that would be pretty close. :)


The former Larry from Charleston (yes, the half decent Larry) had a
little spiel that he wrote whenever someone dreamed about spending a lot
of time on a cruising sailboat.
It got the point across.

I'd love to see it. Is there a link?

sailboat buying strategy
 

"YukonBound" wrote in message
...


"nom=de=plume" wrote in message
...

"Jim" wrote in message
...
nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the
$300K range. The basic philosophy we're using (and have used
individually and collectively for most big purchases) has been to save
for twice the expected cost. This has the effect of allowing us some
wiggle room with purchase prices in general, not feeling like we're
cash broke after a major purchase (e.g., with our two mortgages, we can
afford twice the current monthly payment), it gives us the ability to
incur after-sale expenses (oh, yeah, I guess a sailboat does need a
mast), and extends the time before one or more of us needs to seriously
get back to work. (Two of us will be standing down from active work for
the better part of 1-2 years, the other two will head back into the
grinder in less than a year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you
pretty much go all in or did you do something similar?


You're nuts if you think you can get any good advice on high-priced
sailboats from the assholes here.
Except for Wayne, none know squat about that, and he's a stinkpotter now
and out of the loop.
Try internet sailboat forums.
Just come here to talk powerboats or to take a dump.

Jim - Holding my nose while here.


Heh... well, I tend to discount opinions that are wrong. :)


If you get to the British Virgin Islands anytime soon, I'll ask my buddy
down there to show you the ropes on how to live on a boat 'on the cheap'.
He's been doing it for the last 15 years.

Thanks for the offer... not sure of the time-frame just yet. I would imagine
our winter would be nice there.

sailboat buying strategy
 

On 6/8/2010 7:07 PM, nom=de=plume wrote:

The former Larry from Charleston (yes, the half decent Larry) had a
little spiel that he wrote whenever someone dreamed about spending a
lot of time on a cruising sailboat.
It got the point across.

I'd love to see it. Is there a link?


Yes

sailboat buying strategy
 

"nom=de=plume" wrote in message
...

"YukonBound" wrote in message
...


"nom=de=plume" wrote in message
...

"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that
much, nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have
an opportunity to do that for about a six-week stretch this summer.
We've spent some time on a boat, but not more than a few weeks. I think
it's a viable plan. Perhaps we could just live in a van in parking lot
behind a 7/11 for a few weeks. Seems like that would be pretty close. :)


The former Larry from Charleston (yes, the half decent Larry) had a
little spiel that he wrote whenever someone dreamed about spending a lot
of time on a cruising sailboat.
It got the point across.

I'd love to see it. Is there a link?


I wonder if he's hanging around the rec.boats.cruising newsgroup?
I'll ty and put a feeler out.

sailboat buying strategy
 

On 08/06/2010 12:08 PM, Jeddadiah Smith wrote:
On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up
on boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

Shush. When the mortgage comes up at 17% they will get wiped out on
cash flow. Liberal debtors, let them run off the cliff.

But for plume-de-fumer, I suspect it is pulling our legs and forget to
take the butt plug out. Think full of it.

--
Liberalism - a disease of envy, greed, entitlement and KAOS.

sailboat buying strategy
 

On 08/06/2010 1:55 PM, jps wrote:
On Tue, 08 Jun 2010 14:08:00 -0400, Jeddadiah
wrote:

On 6/8/2010 1:45 PM, nom=de=plume wrote:
After much discussion by the four of us, we've concluded that we're
pretty much there, as far as being able to afford something in the $300K
range. The basic philosophy we're using (and have used individually and
collectively for most big purchases) has been to save for twice the
expected cost. This has the effect of allowing us some wiggle room with
purchase prices in general, not feeling like we're cash broke after a
major purchase (e.g., with our two mortgages, we can afford twice the
current monthly payment), it gives us the ability to incur after-sale
expenses (oh, yeah, I guess a sailboat does need a mast), and extends
the time before one or more of us needs to seriously get back to work.
(Two of us will be standing down from active work for the better part of
1-2 years, the other two will head back into the grinder in less than a
year.)

I'd be interested to hear what those who've made major purchases, such
as for a boat, have done (or not done) along these lines. Did you pretty
much go all in or did you do something similar?


Pay off your debts before you incur more debt in the form of a boat.

Just curious. How do you figure your mortgages afford you to double up
on boat payments.
If you want my opinion, the four of you sound like a bunch of lazy morons.

You sound like an asshole.

So are you a glorified liberal debtor? Money For Nothign and Chicks for
Free was a song not meant to take litterally.

--
Liberalism - a disease of envy, greed, entitlement and KAOS.

sailboat buying strategy
 

On 08/06/2010 5:05 PM, nom=de=plume wrote:

"jps" wrote in message
...
On Tue, 8 Jun 2010 15:18:18 -0700 (PDT), Frogwatch
wrote:

On Jun 8, 6:05 pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

It's so damned funny to watch you "conservatives" squirm when you find
out a liberal can be well founded and still speak on behalf of those
who haven't a voice.

We don't bitch about paying our fair share. There's still plenty left
over to live, sometimes even comfortably.

Yeah, I've never heard of any rightwing nuts who are attorneys. I don't
think they actually exist. Froggie is an idiot.


And you, are full of it.
--
Liberalism - a disease of envy, greed, entitlement and KAOS.

sailboat buying strategy
 

On 08/06/2010 5:04 PM, nom=de=plume wrote:

"Frogwatch" wrote in message
...
On Jun 8, 6:05 pm, Jeddadiah Smith wrote:
On 6/8/2010 3:55 PM, jps wrote:

You sound like an asshole.

I am, brother.

I do see a substantial bit of hypocrisy here from someone who is a
liberal but somehow has enough to spend $100K on a sailboat while
having a luxury car and two mortgages.Seems that somebody is making
too much money according to Obama. Most attorneys are dems because
the dems never favor tort reform. Basically attorneys are taking
money out of the pockets of the poor and giving it to the rich.

Having gotten that rant out of my system I will not discuss it more
but will stick to discussing the sailboat. Big mono-hulls are a poor
investment but a catamaran depreciates slower. You will also have
more places to keep her in shallow water. I believe that integrated
over time that a catamaran is safer than a mono because it allows you
to get into shallow water thru questionable inlets or into shallow
anchorages that are well protected during storms.

?? It's $300K while having a luxury car (2001) and one mortgage.

Sounds like you're very angry. Too bad. You should take a pill or
something.

Basically, you're unwilling to give up your political rant no matter
what. Then, you claim you're only going to talk about on-topic stuff. I
think you're just a fool. Sorry if that ****es you off. Honestly, it's
really a turnoff, mainly because it's impossible to have a rational
discussion with someone who is so filled with loathing.

My guess for you, unemployed and skint. Nothing for anybody else to be
****ed of except for yourself at yourself.

--
Liberalism - a disease of envy, greed, entitlement and KAOS.

sailboat buying strategy
 

The Tea Party's teabaggers are just the Republican base by another name.
"YukonBound" wrote in message
...


"nom=de=plume" wrote in message
...

"YukonBound" wrote in message
...


"nom=de=plume" wrote in message
...

"Wayne.B" wrote in message
...
On Tue, 8 Jun 2010 10:45:46 -0700, "nom=de=plume"
wrote:

I'd be interested to hear what those who've made major purchases, such
as
for a boat, have done (or not done) along these lines. Did you pretty
much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Yes, good point about insurance. We haven't really talked about that
much, nor investigated, other than saying, yes, we need some.

We're going to charter... definitely the smart thing to do. Might have
an opportunity to do that for about a six-week stretch this summer.
We've spent some time on a boat, but not more than a few weeks. I think
it's a viable plan. Perhaps we could just live in a van in parking lot
behind a 7/11 for a few weeks. Seems like that would be pretty close.
:)


The former Larry from Charleston (yes, the half decent Larry) had a
little spiel that he wrote whenever someone dreamed about spending a lot
of time on a cruising sailboat.
It got the point across.

I'd love to see it. Is there a link?


I wonder if he's hanging around the rec.boats.cruising newsgroup?
I'll ty and put a feeler out.
Little buddy, instead of feelers, why not just make a post asking if anyone
has seen Larry. That is, unless you just enjoy feeling all the guys over in
rec.boats."cruising".

I do love your Rav4, it makes a statement about who you are.

--

sailboat buying strategy
 

On 08/06/2010 2:03 PM, jps wrote:
On Tue, 08 Jun 2010 14:12:28 -0400, Wayne.B
wrote:

On Tue, 8 Jun 2010 10:45:46 -0700,
wrote:

I'd be interested to hear what those who've made major purchases, such as
for a boat, have done (or not done) along these lines. Did you pretty much
go all in or did you do something similar?

The strategy of buying less than you can afford works well because
everyone always under estimates the cost of essential upgrades and
maintenance. It is important to try and estimate the upgrades and
maintenance as closely as possible and then double that number.

It is also important to try and nail down your ongoing expenses for
storage, both in and out of the water, and insurance. Insurance costs
vary by location, length of season, cruising range, and quality of
policy. There are big differences in policies, not always readily
apparent until you scrutinize the fine print.

The most expensive thing of all is buying the wrong boat, or buying it
with the wrong people. That may sound obvious but it happens all the
time. Have all of you spent a lot of time together on a boat before?
If not, I'd highly recommend chartering a boat similar to what you
want for two weeks and sail it somewhere. You'll learn a lot about
the boat, the people, and whether or not you really like the life
style.

Good advice. I'd think about exactly how you're going to use the boat
and how many are likely to on board rather than deciding on a boat
based on the collective budget and affordability.

Which also gets down to why I rent. Until I know where I will park my
butt for a long time, I rent. Some real small lakes, 16 aluminium, but
others like Michigan a twin diesel 30' is nice.

If you end up spending as much as you can afford but the boat only
sees two to four passengers on most trips, it's a big waste of $ to
purchase a 45+ ft boat. Although it may offer space, it's more to
keep up and more work to sail.

Agreed, plus you would have to be Bill Gates to own something like
below, awesome:

http://www.youtube.com/watch?v=ddDjD...eature=related

But I am not crooked enough... Would make more room for the staff, they
would all be chicks.
--
Liberalism - a disease of envy, greed, entitlement and KAOS.