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It's not fuel prices that's going to kill the boat market
JohnH wrote:
On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John There may be hope for you after all. Now if you'd look at a nice sensible Lexus instead of an impractical Porsche... |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message ups.com... NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. If you're in your mid-30's and already have everything you want in life, then good for you. But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. |
It's not fuel prices that's going to kill the boat market
"Don White" wrote in message ... JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Thinking modestly has a much different meaning from thinking small. |
It's not fuel prices that's going to kill the boat market
"JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. |
It's not fuel prices that's going to kill the boat market
"JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message ups.com... JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- No, I didn't think he was passing judgement on me. He was, however, passing judgement on Don. I was passing judgement on people who have no ambition in life. If you think that that describes Don, then it's you who is passing judgement. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message oups.com... NOYB wrote: "basskisser" wrote in message ups.com... NOYB wrote: "Clams Canino" wrote in message hlink.net... Insure it for liability only and accept your own risks in this world. Can't. The bank requires insurance that covers the loan amount. Pay cash. I did for every boat I've owned up until now. I just didn't have 100 grand laying around, but I could afford the payments. I don't know too many guys in their mid-30's who have a house, boat, car, etc. paid for in cash. I know many, many people who paid cash for their boats. Like I said, I've paid cash for the previous four boats that I bought (one of which I still own). But I decided that I wanted a larger boat that can run offshore, and one that the family and I could overnight on...and I needed to use financing to obtain it. |
It's not fuel prices that's going to kill the boat market
"Don White" wrote in message ... NOYB wrote: "basskisser" wrote in message ups.com... NOYB wrote: "Clams Canino" wrote in message . earthlink.net... Insure it for liability only and accept your own risks in this world. Can't. The bank requires insurance that covers the loan amount. Pay cash. I did for every boat I've owned up until now. I just didn't have 100 grand laying around, but I could afford the payments. I don't know too many guys in their mid-30's who have a house, boat, car, etc. paid for in cash. You paid for that house in cash? Thought I read that you mortgaged it and only make interest payments. No. I mortgaged the house, and have a payment on the 30' grady. I own my wife's Sequoia, my 17' Whaler, and everything else. I was talking about the mythical folks Kevin speaks of who are 30 years old and paid cash for everything that they have. |
It's not fuel prices that's going to kill the boat market
"ACP" wrote in message ... "Don White" wrote in message ... NOYB wrote: "basskisser" wrote in message ups.com... NOYB wrote: "Clams Canino" wrote in message .earthlink.net... Insure it for liability only and accept your own risks in this world. Can't. The bank requires insurance that covers the loan amount. Pay cash. I did for every boat I've owned up until now. I just didn't have 100 grand laying around, but I could afford the payments. I don't know too many guys in their mid-30's who have a house, boat, car, etc. paid for in cash. You paid for that house in cash? Thought I read that you mortgaged it and only make interest payments. Read what he wrote again, he didn't write that "he" paid cash for everything. Exactly. |
It's not fuel prices that's going to kill the boat market
"NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. Hey! :) Not to bring a dog to this debate, but for most people, their prime earning and maximum potential years in terms of a career is in their 50's to 60's. NOYB, as your "handle" stipulates, this question is none of my business, so ignore it if you desire, but I am curious. Are you married? Do you have any dependents, married or not? I ask because your seemingly aggressive financial approach to life makes perfect sense to me for a single person with no current or future financial responsibilities other than to himself/herself. I am not saying it's right or wrong but if someone in their mid 30's with a financial responsibility for others who highly leverages themselves with interest only mortgages, plus car and boat loans at basically the beginning of their career and earning potential is taking a bit of a risk, IMHO. Old school maybe, but too much debt can be a career killer no matter how much you earn at the moment. My question was prompted by your statement to Don White, "No thanks. Thinking small is for the unmotivated in life." Eisboch |
It's not fuel prices that's going to kill the boat market
"Eisboch" wrote in message ... "NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. Hey! :) Not to bring a dog to this debate, but for most people, their prime earning and maximum potential years in terms of a career is in their 50's to 60's. NOYB, as your "handle" stipulates, this question is none of my business, so ignore it if you desire, but I am curious. Are you married? Do you have any dependents, married or not? Yes. Wife and three kids. School is funded, and pension plan is funded to the max each year. I have no personal debt other than the home and the larger boat. Credit cards are paid off every month. In fact, the only "bad" debt I have is that Grady White. A house is an appreciating asset (at least over the long haul), and affords me a writeoff. The boat also provides a writeoff, but the deprectiation outpaces the terms of the loan, so I consider it a "bad" investment. I ask because your seemingly aggressive financial approach to life makes perfect sense to me for a single person with no current or future financial responsibilities other than to himself/herself. I am not saying it's right or wrong but if someone in their mid 30's with a financial responsibility for others who highly leverages themselves with interest only mortgages, plus car and boat loans at basically the beginning of their career and earning potential is taking a bit of a risk, IMHO. Old school maybe, but too much debt can be a career killer no matter how much you earn at the moment. I work 4 days/week. I could easily work a 5th day if money got tight. Also, I have a business loan that costs me $6000/month. It will be paid off in 3 years, increasing my disposable income quite a bit. I have own occupation disability insurance, and enough life insurance to pay off my debts and leave another million or so to the wife and kids. I live tight, but not dangerously IMO. |
It's not fuel prices that's going to kill the boat market
"Eisboch" wrote in message ... "NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. The following story is appropriate if you're 55+, but not at my age. Afterall, somone has to pay for the retirees' social security. Mexican story The fisherman and the rat race .......... Sunday 6 December 1998 The author of this little mexican story is unfortunately unknown. An American investor is walking along the water in a little Mexican coastal village. A boat comes in the harbor, with a few tuna fish on the deck. The American compliments the fisherman on the quality of his fish and asks him how long it took him to catch them. "Not too long", answers the fisherman. "But then, why didn't you stay at sea longer to catch some more?", asks the banker. The Mexican answers that those few fish will be enough to feed his family. The American then asks: "But what do you do the rest of the time?" "I sleep late, I fish a little, I play with my kids, I take naps with my wife. In the evening, I go see my friends in the village. We drink wine and play the guitar. I'm busy all right." The American interrupts him: "I have an MBA from Harvard University and I can help you. You should start by fishing for longer periods of time. With the benefits you'll get from selling the fish, you could buy a bigger boat. With the money you'd get thanks to this boat, you could buy a second boat and so on until you have a whole fleet. Instead of selling your fish to intermediaries, you could negotiate directly with a cannery, or open your own cannery. You could then leave your little village for Mexico City, L.A. and then maybe New York, where you'd direct the operations." The Mexican then asks: "How long would that take?" 15 to 20 years, answers the banker. And then? Then it gets very interesting, answers the American, smiling. When the moment comes, you can put your society on the stock market and earn millions. Millions? But then what? Then you can retire, live in a small coastal village, sleep late, play with your kids, fish a little, take naps with your wife, and spend your evenings drinking and playing the guitar with your friends. |
It's not fuel prices that's going to kill the boat market
"NOYB" wrote in message nk.net... "Eisboch" wrote in message ... "NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. Hey! :) Not to bring a dog to this debate, but for most people, their prime earning and maximum potential years in terms of a career is in their 50's to 60's. NOYB, as your "handle" stipulates, this question is none of my business, so ignore it if you desire, but I am curious. Are you married? Do you have any dependents, married or not? Yes. Wife and three kids. School is funded, and pension plan is funded to the max each year. I have no personal debt other than the home and the larger boat. Credit cards are paid off every month. In fact, the only "bad" debt I have is that Grady White. A house is an appreciating asset (at least over the long haul), and affords me a writeoff. The boat also provides a writeoff, but the deprectiation outpaces the terms of the loan, so I consider it a "bad" investment. I ask because your seemingly aggressive financial approach to life makes perfect sense to me for a single person with no current or future financial responsibilities other than to himself/herself. I am not saying it's right or wrong but if someone in their mid 30's with a financial responsibility for others who highly leverages themselves with interest only mortgages, plus car and boat loans at basically the beginning of their career and earning potential is taking a bit of a risk, IMHO. Old school maybe, but too much debt can be a career killer no matter how much you earn at the moment. I work 4 days/week. I could easily work a 5th day if money got tight. Also, I have a business loan that costs me $6000/month. It will be paid off in 3 years, increasing my disposable income quite a bit. I have own occupation disability insurance, and enough life insurance to pay off my debts and leave another million or so to the wife and kids. I live tight, but not dangerously IMO. Then I would offer sincere congratulations. For a guy in his mid 30's you seem to have things in good order. Eisboch (shuda been a dentist instead of an engineer) |
It's not fuel prices that's going to kill the boat market
"NOYB" wrote in message nk.net... "Eisboch" wrote in message ... "NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. The following story is appropriate if you're 55+, but not at my age. Afterall, somone has to pay for the retirees' social security. Mexican story The fisherman and the rat race ......... Sunday 6 December 1998 The author of this little mexican story is unfortunately unknown. An American investor is walking along the water in a little Mexican coastal village. A boat comes in the harbor, with a few tuna fish on the deck. The American compliments the fisherman on the quality of his fish and asks him how long it took him to catch them. "Not too long", answers the fisherman. "But then, why didn't you stay at sea longer to catch some more?", asks the banker. The Mexican answers that those few fish will be enough to feed his family. The American then asks: "But what do you do the rest of the time?" "I sleep late, I fish a little, I play with my kids, I take naps with my wife. In the evening, I go see my friends in the village. We drink wine and play the guitar. I'm busy all right." The American interrupts him: "I have an MBA from Harvard University and I can help you. You should start by fishing for longer periods of time. With the benefits you'll get from selling the fish, you could buy a bigger boat. With the money you'd get thanks to this boat, you could buy a second boat and so on until you have a whole fleet. Instead of selling your fish to intermediaries, you could negotiate directly with a cannery, or open your own cannery. You could then leave your little village for Mexico City, L.A. and then maybe New York, where you'd direct the operations." The Mexican then asks: "How long would that take?" 15 to 20 years, answers the banker. And then? Then it gets very interesting, answers the American, smiling. When the moment comes, you can put your society on the stock market and earn millions. Millions? But then what? Then you can retire, live in a small coastal village, sleep late, play with your kids, fish a little, take naps with your wife, and spend your evenings drinking and playing the guitar with your friends. Good story. I've heard it before but it is still refreshing. Eisboch |
It's not fuel prices that's going to kill the boat market
"Eisboch" wrote in message ... "NOYB" wrote in message nk.net... "Eisboch" wrote in message ... "NOYB" wrote in message ink.net... But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. Hey! :) Not to bring a dog to this debate, but for most people, their prime earning and maximum potential years in terms of a career is in their 50's to 60's. NOYB, as your "handle" stipulates, this question is none of my business, so ignore it if you desire, but I am curious. Are you married? Do you have any dependents, married or not? Yes. Wife and three kids. School is funded, and pension plan is funded to the max each year. I have no personal debt other than the home and the larger boat. Credit cards are paid off every month. In fact, the only "bad" debt I have is that Grady White. A house is an appreciating asset (at least over the long haul), and affords me a writeoff. The boat also provides a writeoff, but the deprectiation outpaces the terms of the loan, so I consider it a "bad" investment. I ask because your seemingly aggressive financial approach to life makes perfect sense to me for a single person with no current or future financial responsibilities other than to himself/herself. I am not saying it's right or wrong but if someone in their mid 30's with a financial responsibility for others who highly leverages themselves with interest only mortgages, plus car and boat loans at basically the beginning of their career and earning potential is taking a bit of a risk, IMHO. Old school maybe, but too much debt can be a career killer no matter how much you earn at the moment. I work 4 days/week. I could easily work a 5th day if money got tight. Also, I have a business loan that costs me $6000/month. It will be paid off in 3 years, increasing my disposable income quite a bit. I have own occupation disability insurance, and enough life insurance to pay off my debts and leave another million or so to the wife and kids. I live tight, but not dangerously IMO. Then I would offer sincere congratulations. For a guy in his mid 30's you seem to have things in good order. Eisboch (shuda been a dentist instead of an engineer) I was an engineer (BSME Purdue University) before a dentist. ;-) |
It's not fuel prices that's going to kill the boat market
On Sun, 27 Aug 2006 21:57:26 GMT, Don White wrote:
JohnH wrote: On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John There may be hope for you after all. Now if you'd look at a nice sensible Lexus instead of an impractical Porsche... Sensible Acura for the wife, impractical Porsche for me! -- ****************************************** ***** Hope your day is great! ***** ****************************************** John |
Insurance discussion was: It's not fuel prices...
"Shortwave Sportfishing" wrote in message ... On Sun, 27 Aug 2006 07:57:16 -0400, JohnH wrote: On Sun, 27 Aug 2006 11:50:32 GMT, Shortwave Sportfishing wrote: On Sun, 27 Aug 2006 10:26:27 GMT, "Clams Canino" wrote: Insure it for liability only and accept your own risks in this world. When Nobby wrote this, I became immediately interested in this and did some asking around with some people I know in the insurance business. Apparently, even liability insurance is going to become hard to get. The complete lack of common sense in the small boating world is getting to them. For example, yesterday, I was talking with a DCR cop before I launched (safety inspection of the boat) up at Lake Chargogagoggmanchaugagoggchabungamungagogg, he said that him and his partner wrote eleven tickets in 2 hours for everything from no PFDs to overloaded boats with no PFDs, no fire extinguishers, children w/o PFDs, etc. He wrote one pontoon boat up with 12 people on board with open containers and the driver was .97 on the BA. I don't know this for a fact you understand - that's just what I was told - but companies have been taking a beating on boat insurance to the point where it's not profitable anymore. I know with my Ranger, which has a total replacement policy, boat, motor, trailer and gear at a stated value, when I installed the new E-TEC 200, I insured it for full replacement value of $17,000 - my insurance doubled. I didn't change the value of the boat or trailer - just the engine. I have never had a claim - ever - over 25 years with the same company and they doubled my insurance premium. When I checked with two other companies, I was surprised to learn they don't write stated value replacement policies anymore and as to value, they will only write a depreciated value - meaning that the lowest value even if the boat is perfect and well maintained. It's only going to get worse. I must be very lucky. My current insurance runs $336/year for $26,500 limit on the boat and trailer. Does that mean that the boat is insured for $26,500? As in if something happened to the boat, you would get $26,500? I've got to call and have them adjust the limit downwards to the current market value, which I'm guessing is in the $15K range. Where to get an estimate of current fair market value?? NADA is what I understand insurance companies use, but they will also use BUC and one other I can't remember at the moment - what ever shows the greatest depreciated value. If you are only paying $336 for $26,500, I'd leave it alone. It's going to cost you more to replace it. Yacht policies are written for an agreed value. A major difference from Statefarm writing a policy on a boat. |
It's not fuel prices that's going to kill the boat market
On Mon, 28 Aug 2006 00:10:56 GMT, Shortwave Sportfishing
wrote: Everytime I hear that story, I smile. And it's so true. Not for me, I've always had difficulty learing to play the guitar. :-) |
Insurance discussion was: It's not fuel prices...
"Calif Bill" wrote in message ink.net... "Shortwave Sportfishing" wrote in message ... On Sun, 27 Aug 2006 07:57:16 -0400, JohnH wrote: On Sun, 27 Aug 2006 11:50:32 GMT, Shortwave Sportfishing wrote: On Sun, 27 Aug 2006 10:26:27 GMT, "Clams Canino" wrote: Insure it for liability only and accept your own risks in this world. When Nobby wrote this, I became immediately interested in this and did some asking around with some people I know in the insurance business. Apparently, even liability insurance is going to become hard to get. The complete lack of common sense in the small boating world is getting to them. For example, yesterday, I was talking with a DCR cop before I launched (safety inspection of the boat) up at Lake Chargogagoggmanchaugagoggchabungamungagogg, he said that him and his partner wrote eleven tickets in 2 hours for everything from no PFDs to overloaded boats with no PFDs, no fire extinguishers, children w/o PFDs, etc. He wrote one pontoon boat up with 12 people on board with open containers and the driver was .97 on the BA. I don't know this for a fact you understand - that's just what I was told - but companies have been taking a beating on boat insurance to the point where it's not profitable anymore. I know with my Ranger, which has a total replacement policy, boat, motor, trailer and gear at a stated value, when I installed the new E-TEC 200, I insured it for full replacement value of $17,000 - my insurance doubled. I didn't change the value of the boat or trailer - just the engine. I have never had a claim - ever - over 25 years with the same company and they doubled my insurance premium. When I checked with two other companies, I was surprised to learn they don't write stated value replacement policies anymore and as to value, they will only write a depreciated value - meaning that the lowest value even if the boat is perfect and well maintained. It's only going to get worse. I must be very lucky. My current insurance runs $336/year for $26,500 limit on the boat and trailer. Does that mean that the boat is insured for $26,500? As in if something happened to the boat, you would get $26,500? I've got to call and have them adjust the limit downwards to the current market value, which I'm guessing is in the $15K range. Where to get an estimate of current fair market value?? NADA is what I understand insurance companies use, but they will also use BUC and one other I can't remember at the moment - what ever shows the greatest depreciated value. If you are only paying $336 for $26,500, I'd leave it alone. It's going to cost you more to replace it. Yacht policies are written for an agreed value. A major difference from Statefarm writing a policy on a boat. Actually you can get 'agreed to' policies from insurance companies not know for their marine policies. Ours is with Westfield Insurance who also writes our home, cars and umbrella. |
It's not fuel prices that's going to kill the boat market
JohnH wrote: On 27 Aug 2006 13:05:45 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- No, I didn't think he was passing judgement on me. He was, however, passing judgement on Don. As I said before, that's all he does here is pass judgement on others. OK, you stated your opinion. My opinion is different. In either case, they're both opinions. NOYB has talked of his practice, his house, his boat, his insurance, his fishing, his finances, and his politics, among other things. None of that is 'passing judgement', so to say that's *all* he does here wouldn't be quite truthful, would it? It would be darned close. Take a look. You'll see that almost all of his posts, whether he's talking about any of the above or not, end up with him passing judgement on someone. |
It's not fuel prices that's going to kill the boat market
NOYB wrote: "basskisser" wrote in message ups.com... NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. If you're in your mid-30's and already have everything you want in life, then good for you. But then what is the point of working harder and desiring advancement in your career? I think the saddest thing is someone who is in their prime earning years and not workig to maximum potential because of apathy. If you're 55+ years old, that attitude is fine. But not at my age. I agree with the apathy point. BUT, just because someone lives within their means as opposed to being leveraged to the max, doesn't mean they are unmotivated. |
It's not fuel prices that's going to kill the boat market
NOYB wrote: "JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. See? I rest my case, John! |
It's not fuel prices that's going to kill the boat market
NOYB wrote: "basskisser" wrote in message ups.com... JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- No, I didn't think he was passing judgement on me. He was, however, passing judgement on Don. I was passing judgement on people who have no ambition in life. If you think that that describes Don, then it's you who is passing judgement. Uh, no you weren't. You didn't even mention ambition. Don said maybe you should think smaller, and you immediately said thinking smaller is for the unmotivated in life. |
It's not fuel prices that's going to kill the boat market
NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message oups.com... Uh, no you weren't. You didn't even mention ambition. motivated=ambitious unmotivated=lacks ambition. thinking small=lacks ambition=unmotivated |
It's not fuel prices that's going to kill the boat market
"Harry Krause" wrote in message . .. NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. I like your boat, but if I downsize, I'm sticking with two engines and cabin accommodations similar to what I have now. The Everglades 265 EX is the one that I have my eye on. It gets about 70% better fuel economy than my Grady (at 25-30mph it gets 2.7+ mpg vs. 1.6 mpg for the Grady), tops out about 10 mph faster (55.7mph with twin 225 Yamaha's), and it's insurable because it's under 30'. |
It's not fuel prices that's going to kill the boat market
On 28 Aug 2006 04:48:33 -0700, "basskisser" wrote:
JohnH wrote: On 27 Aug 2006 13:05:45 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- No, I didn't think he was passing judgement on me. He was, however, passing judgement on Don. As I said before, that's all he does here is pass judgement on others. OK, you stated your opinion. My opinion is different. In either case, they're both opinions. NOYB has talked of his practice, his house, his boat, his insurance, his fishing, his finances, and his politics, among other things. None of that is 'passing judgement', so to say that's *all* he does here wouldn't be quite truthful, would it? It would be darned close. Take a look. You'll see that almost all of his posts, whether he's talking about any of the above or not, end up with him passing judgement on someone. No, I don't see that at all. But, maybe I'm not looking for things to fight about. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John |
It's not fuel prices that's going to kill the boat market
On 28 Aug 2006 04:51:19 -0700, "basskisser" wrote:
NOYB wrote: "JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. See? I rest my case, John! Whoa, whoa, whoa... You made three or four attacking posts, and NOYB responded with one of his own. Then you say you rest your case. There was no reason for your initial attacks! -- ****************************************** ***** Hope your day is great! ***** ****************************************** John |
Insurance discussion was: It's not fuel prices...
On Mon, 28 Aug 2006 00:39:51 GMT, "Calif Bill"
wrote: "Shortwave Sportfishing" wrote in message .. . On Sun, 27 Aug 2006 07:57:16 -0400, JohnH wrote: On Sun, 27 Aug 2006 11:50:32 GMT, Shortwave Sportfishing wrote: On Sun, 27 Aug 2006 10:26:27 GMT, "Clams Canino" wrote: Insure it for liability only and accept your own risks in this world. When Nobby wrote this, I became immediately interested in this and did some asking around with some people I know in the insurance business. Apparently, even liability insurance is going to become hard to get. The complete lack of common sense in the small boating world is getting to them. For example, yesterday, I was talking with a DCR cop before I launched (safety inspection of the boat) up at Lake Chargogagoggmanchaugagoggchabungamungagogg, he said that him and his partner wrote eleven tickets in 2 hours for everything from no PFDs to overloaded boats with no PFDs, no fire extinguishers, children w/o PFDs, etc. He wrote one pontoon boat up with 12 people on board with open containers and the driver was .97 on the BA. I don't know this for a fact you understand - that's just what I was told - but companies have been taking a beating on boat insurance to the point where it's not profitable anymore. I know with my Ranger, which has a total replacement policy, boat, motor, trailer and gear at a stated value, when I installed the new E-TEC 200, I insured it for full replacement value of $17,000 - my insurance doubled. I didn't change the value of the boat or trailer - just the engine. I have never had a claim - ever - over 25 years with the same company and they doubled my insurance premium. When I checked with two other companies, I was surprised to learn they don't write stated value replacement policies anymore and as to value, they will only write a depreciated value - meaning that the lowest value even if the boat is perfect and well maintained. It's only going to get worse. I must be very lucky. My current insurance runs $336/year for $26,500 limit on the boat and trailer. Does that mean that the boat is insured for $26,500? As in if something happened to the boat, you would get $26,500? I've got to call and have them adjust the limit downwards to the current market value, which I'm guessing is in the $15K range. Where to get an estimate of current fair market value?? NADA is what I understand insurance companies use, but they will also use BUC and one other I can't remember at the moment - what ever shows the greatest depreciated value. If you are only paying $336 for $26,500, I'd leave it alone. It's going to cost you more to replace it. Yacht policies are written for an agreed value. A major difference from Statefarm writing a policy on a boat. I just dropped mine from 26.5K down to 15.1K. We'll see what the difference in costs is. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John |
It's not fuel prices that's going to kill the boat market
"Harry Krause" wrote in message ... NOYB wrote: "Harry Krause" wrote in message . .. NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. I like your boat, but if I downsize, I'm sticking with two engines and cabin accommodations similar to what I have now. The Everglades 265 EX is the one that I have my eye on. It gets about 70% better fuel economy than my Grady (at 25-30mph it gets 2.7+ mpg vs. 1.6 mpg for the Grady), tops out about 10 mph faster (55.7mph with twin 225 Yamaha's), and it's insurable because it's under 30'. Why would you possibly want twin 225s? If you are running at 25-30 mph as a good cruise speed, twin 150s will do the job. My Parker burns 9-10gph at those speeds, with a single 225, and tops out at a flat 40 mph (19gph). Because the boat tops out at 55 mph, and still gets 1.3 mpg at that speed. This has been an awful year for grouper fishing. Guys are routinely running 60-80 miles to get 'em. I've been out on days where the gulf is flat calm, and running 50+ mph would make the day a lot more enjoyable. The Edgewater with twin 150's still hits 45+ mph, but overall fuel economy isn't much different (aside from a lower cruise speed for top fuel economy). |
It's not fuel prices that's going to kill the boat market
"Harry Krause" wrote in message ... NOYB wrote: "Harry Krause" wrote in message ... NOYB wrote: "Harry Krause" wrote in message . .. NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. I like your boat, but if I downsize, I'm sticking with two engines and cabin accommodations similar to what I have now. The Everglades 265 EX is the one that I have my eye on. It gets about 70% better fuel economy than my Grady (at 25-30mph it gets 2.7+ mpg vs. 1.6 mpg for the Grady), tops out about 10 mph faster (55.7mph with twin 225 Yamaha's), and it's insurable because it's under 30'. Why would you possibly want twin 225s? If you are running at 25-30 mph as a good cruise speed, twin 150s will do the job. My Parker burns 9-10gph at those speeds, with a single 225, and tops out at a flat 40 mph (19gph). Because the boat tops out at 55 mph, and still gets 1.3 mpg at that speed. This has been an awful year for grouper fishing. Guys are routinely running 60-80 miles to get 'em. I've been out on days where the gulf is flat calm, and running 50+ mph would make the day a lot more enjoyable. The Edgewater with twin 150's still hits 45+ mph, but overall fuel economy isn't much different (aside from a lower cruise speed for top fuel economy). I guess I was "spoiled" when I lived on the east coast of Florida. There was plenty of inshore fishing, good fishing right offshore, and if you wanted to head out 20 miles, sometimes terrific reef fishing. Running 60 to 80 miles offshore to catch a fish when gas is $3.50 a gallon? Naw. Florida has great inshore fishing, but not in your area? Snook, tarpon, trout, reds, kingfish, spanish, flounder...you have to go that far offshore? Snook, tarpon, redfish, kings, and spanish have been fine this year. The bottom bite has been very poor. All of the guys who dive the nearshore reefs (within 10 miles), said there was an inch-thick layer of silt and algae covering them...and no life. Most people blame it on the very heavy contaminated fresh-water releases out of Okeechobee down the Caloosahatchee that occurred late last year after Hurricane Wilma. We had a bad red tide this Summer as well. The nearshore reefs are just now coming back. I've been catching a lot of undersized lane and mangrove snapper, spanish macks, barracuda and even some very small grouper. Four months ago, there wasn't a thing alive on them. It looks like Ernesto is turning East, so hopefully we dodged another one, and the fishing won't get all screwed up again. But you guys in the mid-Atlantic states better keep an eye on that one. |
It's not fuel prices that's going to kill the boat market
NOYB wrote: "basskisser" wrote in message oups.com... Uh, no you weren't. You didn't even mention ambition. motivated=ambitious unmotivated=lacks ambition. thinking small=lacks ambition=unmotivated So, if someone is quite happy with say, an 18 foot boat, fits there needs perfectly, etc, you think they are unmotivated? Amazing. |
It's not fuel prices that's going to kill the boat market
Harry Krause wrote: NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. Let's see, nothing down, interest only payments for, oh, 25 years... :) I charge two points over the vig, which these days is about 10 points less than the average credit card company. He'll go for it! According to him, interest only payments on tangibles is a great and wise investment! |
It's not fuel prices that's going to kill the boat market
JohnH wrote: On 28 Aug 2006 04:51:19 -0700, "basskisser" wrote: NOYB wrote: "JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. See? I rest my case, John! Whoa, whoa, whoa... You made three or four attacking posts, and NOYB responded with one of his own. Then you say you rest your case. There was no reason for your initial attacks! -- The initial attack was NOYB attacking Don who posted a perfectly good idea, one that NOYB is now thinking about doing!! |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message ups.com... NOYB wrote: "basskisser" wrote in message oups.com... Uh, no you weren't. You didn't even mention ambition. motivated=ambitious unmotivated=lacks ambition. thinking small=lacks ambition=unmotivated So, if someone is quite happy with say, an 18 foot boat, fits there needs perfectly, etc, you think they are unmotivated? Amazing. You still don't get it. Don said "think small"...not "buy a small boat". To me, the saying "think small" means the opposite of "think big"...and that translates to a lack of ambition to excel in life. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message ups.com... Harry Krause wrote: NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. Let's see, nothing down, interest only payments for, oh, 25 years... :) I charge two points over the vig, which these days is about 10 points less than the average credit card company. He'll go for it! According to him, interest only payments on tangibles is a great and wise investment! On appreciating (or non-depreciating) assets only. You haven't been paying attention. |
It's not fuel prices that's going to kill the boat market
"basskisser" wrote in message ups.com... JohnH wrote: On 28 Aug 2006 04:51:19 -0700, "basskisser" wrote: NOYB wrote: "JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. See? I rest my case, John! Whoa, whoa, whoa... You made three or four attacking posts, and NOYB responded with one of his own. Then you say you rest your case. There was no reason for your initial attacks! -- The initial attack was NOYB attacking Don who posted a perfectly good idea, one that NOYB is now thinking about doing!! I didn't attack Don. I criticized the concept of "thinking small", because it demonstrates apathy in life and a lack of ambition. |
It's not fuel prices that's going to kill the boat market
On 28 Aug 2006 11:11:45 -0700, "basskisser" wrote:
JohnH wrote: On 28 Aug 2006 04:51:19 -0700, "basskisser" wrote: NOYB wrote: "JohnH" wrote in message ... On 27 Aug 2006 13:07:03 -0700, "basskisser" wrote: Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. NOYB can't think small, because the stuff he has is making up for his lack of manhood! Attack mode. Why? You weren't attacked. Here it is, a nice Sunday, lot's of friendly conversation on a range of subjects, and you come in like a rabid pit bull... Why? What does it serve? He can't help it. Jealousy I would guess. See? I rest my case, John! Whoa, whoa, whoa... You made three or four attacking posts, and NOYB responded with one of his own. Then you say you rest your case. There was no reason for your initial attacks! -- The initial attack was NOYB attacking Don who posted a perfectly good idea, one that NOYB is now thinking about doing!! Forget it, bk. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John |
It's not fuel prices that's going to kill the boat market
"Harry Krause" wrote in message . .. NOYB wrote: "basskisser" wrote in message ups.com... Harry Krause wrote: NOYB wrote: "basskisser" wrote in message oups.com... NOYB wrote: "JohnH" wrote in message ... On Sun, 27 Aug 2006 19:09:03 GMT, Don White wrote: JohnH wrote: On 27 Aug 2006 10:47:03 -0700, "basskisser" wrote: JohnH wrote: On 27 Aug 2006 09:12:34 -0700, "basskisser" wrote: NOYB wrote: "Don White" wrote in message ... Think small No thanks. Thinking small is for the unmotivated in life. You think that because someone has a boat that they really like, although it may be smaller than yours is "unmotivated"? Do you think that just because someone isn't financially overextended is "unmotivated"? I think that people who overextend just for appearances are fools. bk, do you think that NOYB was trying to be controversial in his statement? Maybe he was just saying how *he* feels about life, and not passing any judgements on others. Why the attacks? It's a nice Sunday...chill out. -- No, John, he certainly was, and always has, passed judgements on others. I'm discussing only the post you responded to, not the past few years. I'm surprised that you'd take a philosophical comment like, "Thinking small is for the unmotivated in life" as a personal attack or the passing of judgement on you. -- ****************************************** ***** Hope your day is great! ***** ****************************************** John Since I was the one who advised to "think small", I thought NOYB was jabbing at me. Maybe I should have said 'think modestly'. Obviously some here have no need to even consider that, but I stand by my common sense advice. Nah. He came back with a bit of philosophy to counteract the bit you gave him. He's already bought his boat, so 'thinking small' wouldn't work for this one anyway. Thinking small is what I'm doing for my *next* boat - maybe a 17-18'er. It's actually what I'm thinking for my next boat too. Instead of having a 30 foot offshore boat, and 17' nearshore/inshore boat, I'm thinking about buying something in the 25-26 foot range to replace both boats. I could get a trailer for it, and tow it to the keys or the east coast for a change of scenary. Thinking small is for the unmotivated. Good point. I'll get the 25-26 footer to tow to East Coast on weekends, and look into buying a 40-something foot sportfish for over here. You could buy my Parker. Let's see, nothing down, interest only payments for, oh, 25 years... :) I charge two points over the vig, which these days is about 10 points less than the average credit card company. He'll go for it! According to him, interest only payments on tangibles is a great and wise investment! On appreciating (or non-depreciating) assets only. You haven't been paying attention. My Parker doesn't seem to be depreciating. Strange. No boat owner likes to think of his boat as a depreciating asset. So you keep telling yourself that you could sell it for what you paid, if that makes you feel better. ;-) |
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