[Rhodes22-list] Firm Price

Thu Dec 2 15:33:23 EST 2004

Phillip,

I'm certainly not a finance expert, but I do know that my credit union
will finance boats up to 30'.  If you belong to a credit union you
might want to check with them. Often times you can get a better rate
than a bank.

Marine financiers, on the other hand, may be willing to go a longer
term, 10-15 years.  My current boat is an Islander 36 and we have it
financed through Key bank on a 15 year note and we financed about 29K.
 They'll usually want between 10-20% down.

Good Luck,

Hank

On Thu, 2 Dec 2004 15:08:09 -0800, pestyone57 <pestyone57 at comcast.net> wrote:
> Bill,
>     Thanks.  I never thought of it that way.  Here is what I replied to Ed
> K.  ". . .[My wife is]. . . partial
> to a new boat.  The trailerable is ideal for us right now since we can only
> use it when we are off work and Virginia leaves us very seasonal sailing,
> though with a trailer we could pull it somewhere warm.
>     I am currently recalled to active duty and don't know how long that
> will last, but we would probably place an order and downpayment when I am
> released sometime within the next year.  To be fair to Stan, he has given me
> a price range, but it is quite a broad sweep and to research financing I am
> trying to narrow it down a bit."
>   But I see your point about putting it together and going from there.  I
> fell in love with this boat at the boatshow and I haven't seen anything I
> like as much since (in this class).  Do any banks finance or should I look
> at specific Marine finance companies like you see at the boat shows and
> on-line?
> 
> Thanks again,
> 
> Philip E.
> 
> 
> 
> 
> ----- Original Message -----
> From: "Bill Effros" <bill at effros.com>
> To: "The Rhodes 22 mail list" <rhodes22-list at rhodes22.org>
> Sent: Thursday, December 02, 2004 8:00 AM
> Subject: [Rhodes22-list] Firm Price
> 
> > You don't really want a firm price.  Stan wants you to have as much boat
> > as you can possibly afford, and will start throwing things in if you don't
> > pester.
> >
> > Go in the other direction.  Decide what is the absolute most you can pay,
> > and get from the bank.  Then work with Stan to stay within that budget.
> > The boat will be worth more than the bank needs it to be worth.
> >
> > There are 200 people on this list who will tell you, you won't be
> > disappointed with what you get.  If this is the boat you want, get one
> > with the most unique features you want, that you can afford.  A recycled
> > hull with rebuilt or brand new parts (your choice) and every option you
> > want, is better than a brand new boat, if buying brand new means you must
> > give up options you want. The hulls have been very well made for the past
> > 25 years.  If Stan says the hull is good, the hull is good.
> >
> > I bought my boat brand new in 1998.  I plan to recycle my own boat this
> > year to get options that were not available or that I did not select the
> > first time around.  I could sell my boat (they retain their value very
> > well--used boats have sold for more than you will probably pay for your
> > new boat) and get a brand spanking new boat.  But I wouldn't even consider
> > it.  My 1998 hull is in perfect condition.  At the end of the day I will
> > have exactly what I want, at a price I am more than willing to pay.
> >
> > You will, too.  Pick the number first.  Then work with Stan to get the
> > most out of that number that you possibly can.  Be fair with Stan, and he
> > will be fair with you.
> >
> > It's an old-fashioned way of doing business, but it sure is sweet.
> >
> > Bill Effros
> >
> > pestyone57 wrote:
> >
> >>To answer your question,
> >>
> >>The kidneys serve two major functions: they keep the salt content of the
> >>blood constant, and they filter waste out of the bloodstream. So, the main
> >>components of urine are (salt) water and waste products. The major waste
> >>product from cells in the body is ammonia, and the major waste product
> >>from blood is a broken form of heme called bilirubin. In the liver, each
> >>of these is converted into a less hazardous form: ammonia is converted to
> >>urea, and bilirubin is degraded to urobilins. Salt, water, and urea are
> >>all colorless, but urobilins (which come from degraded pigments) are
> >>yellow. So, if you drink a lot, your urine will be more dilute and
> >>clearer, and if you get dehydrated, your urine will contain less water and
> >>be darker yellow - Information from MadSci Network
> >>
> >>So urine should freeze at a slightly lower temperature than water, and in
> >>the holding tank might take even longer depending on the amount of
> >>bacteria in the tank (bacterial action should increase the temperature of
> >>the tank).
> >>
> >>My wife and I are looking into buying a New or Recycled Rhodes 22.  I saw
> >>and had a "test-drive" at the St. Petersburg, Fl boat show while I was
> >>stationed at USCENTCOM (I am an activated reservist).  Since we will have
> >>to finance the lion's share of the cost, I wanted to investigate financing
> >>but when I e-mail Stan about prices, I receive nebulous answers.  How do I
> >>go about getting a firm price to present to the bank?
> >>
> >>Thanks,
> >>
> >>Philip and Deena Esteban
> >>Virginia
> >>
> >>
> >>
> >>----- Original Message -----
> >>From: "brad haslett" <flybrad at yahoo.com>
> >>To: "The Rhodes 22 mail list" <rhodes22-list at rhodes22.org>
> >>Sent: Thursday, December 02, 2004 5:40 AM
> >>Subject: Re: [Rhodes22-list] Sailing - Highly Technical Question
> >>
> >>
> >>
> >>>Rummy,
> >>>
> >>>Actually, it needs pumped out anyway.  On warm days it
> >>>is starting to smell like the bar I stop at on the way
> >>>home from the lake.  I've been adding a quart of "blue
> >>>stuff" from WalMart about once a month but after last
> >>>Spring's cruise with 5 college seniors it has about
> >>>met the limit of better living through chemistry.
> >>>
> >>>We seldom get several sub 32 degree days here but
> >>>about once a year we get an ice-storm and about every
> >>>5 years it knocks power out in parts of the state. December is pretty
> >>>booked for me but I plan to do some
> >>>January sailing on the 40 degree plus days, which
> >>>there should be many.
> >>>
> >>>My best friend of thirty years started driving down
> >>>from Southern Illinois and spending weekends on the
> >>>boat.  He liked the area so much we started looking
> >>>for real-estate together.  Last week we bought a 1900
> >>>square foot commercial shop building on 2 acres about
> >>>five minutes from the boat.  He may build an apartment
> >>>in it or just put a mobile home on the property. Either way, next season
> >>>we should have a place to stay
> >>>for extended periods.  Since we have plenty of room
> >>>for work and storage we will probably start shopping
> >>>for a project boat.  I'd like to find an old run-about
> >>>with a small block V-8 that we can rebuild. Let me
> >>>know if you run across anything that looks
> >>>interesting.
> >>>
> >>>Brad
> >>>
> >>>--- R22RumRunner at aol.com wrote:
> >>>
> >>>
> >>>>Brad,
> >>>>I assume you are talking about a holding tank.
> >>>>Generally speaking, the  biological action and the warmth generated from
> >>>>the
> >>>>heat still in the lake will  prevent it from freezing. I would think you
> >>>>would
> >>>>require many sub 32 degree  days to get it cold enough to freeze hard.
> >>>>I have a porta-potti on Rum Runner and never worry
> >>>>about it or the water  tank freezing as long as the boat is in the
> >>>>water.
> >>>>You are a little further  north than I am, so pumping it out beats
> >>>>replacing
> >>>>it in the spring. :)
> >>>> Rummy
> >>>>__________________________________________________
> >>>>Use Rhodes22-list at rhodes22.org, Help?
> >>>>www.rhodes22.org/list
> >>>>
> >>>>
> >>>
> >>>
> >>>__________________________________ Do you Yahoo!? Take Yahoo! Mail with
> >>>you! Get it on your mobile phone. http://mobile.yahoo.com/maildemo
> >>>__________________________________________________
> >>>Use Rhodes22-list at rhodes22.org, Help? www.rhodes22.org/list
> >>>
> >>__________________________________________________
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> >>
> >>
> > __________________________________________________
> > Use Rhodes22-list at rhodes22.org, Help? www.rhodes22.org/list
> 
> __________________________________________________
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