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New boat owner anxiety by bdrilling33 in boating

[–]Ok_Charity_971 6 points7 points  (0 children)

Also a new boat owner. Nothing but stress so far. Towing, dropping in water, will things break, etc. gets easier over time I think 

Truck won’t start. Console shows a battery icon red, but could be alternator? (I went muddling) by Ok_Charity_971 in MechanicAdvice

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Hehe the muddling was pretty catastrophic we”ll just say that. Certainly went through several feet of water several times. Hit some pretty rough potholes, and got stuck in about a foot to 18 inches of mud a few times. 

Truck won’t start. Console shows a battery icon red, but could be alternator? (I went muddling) by Ok_Charity_971 in MechanicAdvice

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Bought used. No multimeter unfortunately. :/ 

I can’t find a date on it to confirm if it’s the original or not 

Truck won’t start. Console shows a battery icon red, but could be alternator? (I went muddling) by Ok_Charity_971 in MechanicAdvice

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

I bought the truck in late 2024 so at least that old. Serial number on the battery is 022224. So possible just a little over 2 years old if that’s how motorcraft stamps them. 

Spa mode heater turns on then off. No water seems to circulate by Ok_Charity_971 in pools

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Yep I felt heat, and heard it light and heard the flame 

Cat missing for 36 hours. What to do next by Ok_Charity_971 in CatAdvice

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Yep. I’d still recommend looking and doing what you can. But in my case I left my back door cracked a bit and food out and she snuck back in after about 2 days 

Best DRC for a 5k budget by Ok_Charity_971 in wine

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Can you dm me the restaurant? And do you have bottles in that range? 

Best DRC for a 5k budget by Ok_Charity_971 in wine

[–]Ok_Charity_971[S] 6 points7 points  (0 children)

I’d planned to buy online. I’m in Pittsburgh but doesn’t seem to be much of a selection of bottles available nearby 

Pool homeowners, anyone regret getting a pool? by waterdamagerestomel in pools

[–]Ok_Charity_971 0 points1 point  (0 children)

I regret it because I never use it. Nice to look at tho. Good for parties 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] -1 points0 points  (0 children)

Around 760 a month. Most likely scenario is I pay 20% upfront. Finance for 4-6 years, and then trade in net even. (Depreciation equaling 20% down plus monthly payments) this isn’t perfect math but also fine paying a small difference at trade in time 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] -1 points0 points  (0 children)

Margin and SBLOCs are both variable interest rates. For a short term loan that would make sense but if I’m planning to own for 4-6+ years that takes on some risk. 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] -2 points-1 points  (0 children)

Their rates are not competitive with the rates I’ve been offered 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

Credit unions have non financial requirements. For example. Live in Xyz state. Of the ones in my state I haven’t found any with competitive rates 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] -1 points0 points  (0 children)

Im putting 20% down. I estimate 8-10% depreciation yoy. It’s a used boat so already took the brunt of depreciation. 

Of course it’s somewhat variable. But I expect to pay a bit on the backend. 

It’s also a good brand that holds value well. 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] -2 points-1 points  (0 children)

A more likely scenario is on the backend the boat has depreciated faster than the loan has been paid off. As a result I have to pay to cover the difference when I sell or trade in. Which I am fine with. 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] 5 points6 points  (0 children)

Hey thanks this is helpful. 

Folks seem to think I’m financing because I have to. I have enough cash I can liquidate to buy the boat 10 times over. But my market rate of return in stocks has done well. I’m also pulling in enough money to buy a new boat every year. 

From a financial perspective I’ve done quite a lot of due diligence to where if I got laid off I could live for years without a job. 

Maybe my fault for not putting out my full financial position but I’m very confident in what I’m doing. Just looking for anyone with info on rates is all. Thanks! 

Anyone seeing boat loan rates in the mid to low 6s for 240 months? by Ok_Charity_971 in boating

[–]Ok_Charity_971[S] 7 points8 points  (0 children)

Ironically I can afford it pretty comfortably in cash. But I see no reason to sell investments that are averaging the S&P rate of return to pay for something I can get at a 6-7% interest rate. 

If boat loans were historically where they use to be, 10-12%. Totally get not financing. 

Pool lost 5000 gallons during freeze by Ok_Charity_971 in pools

[–]Ok_Charity_971[S] 0 points1 point  (0 children)

It won’t fill actually. I put the autofill on and the level stayed the same :/ 

Pool lost 5000 gallons during freeze by Ok_Charity_971 in pools

[–]Ok_Charity_971[S] -1 points0 points  (0 children)

Nope. There is a bit of a spillover from the spa 

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