[Rhodes22-list] Firm Price

pestyone57 pestyone57 at comcast.net
Fri Dec 3 07:27:53 EST 2004 

Thank you.  I will try the Credit Union at Fort Benning or one my wife 
belongs to.

Philip

----- Original Message ----- 
From: "Hank" <hnw555 at gmail.com>
To: "The Rhodes 22 mail list" <rhodes22-list at rhodes22.org>
Sent: Thursday, December 02, 2004 12:33 PM
Subject: Re: [Rhodes22-list] Firm Price


> 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
>> >>>__________________________________________________
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>> >>>
>> >>__________________________________________________
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>> >>
>> >>
>> > __________________________________________________
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>>
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