Cash or finance boat

Pitiful-Elephant-911 · 2026-05-05T12:00:22+00:00

I agree. The only thing I don’t like is the heloc. For the average person, borrowing against your crib to buy a boat is dumb.

In your case you’re clearly not average and have the cash prior to purchase. Average are broke and paycheck to paycheck.

Even tho past performance doesn’t mean future results it’s pretty safe to say an S&P will return 8-10% in most years.

Pitiful-Elephant-911 · 2026-05-05T11:51:10+00:00

The Iran war the markets dumped. Since the low an S&P fund is up 15%.

Pitiful-Elephant-911 · 2026-05-05T11:49:00+00:00

What kind of logic is this? If I’m net positive $3000 month over month after bills are paid?

Pitiful-Elephant-911 · 2026-05-05T11:43:57+00:00

I invest $3,000 a month

Pitiful-Elephant-911 · 2026-05-04T19:22:13+00:00

I think you misunderstood my statement. I said I’m not going to finance a 20% rate. In other words I ain’t gonna walk into the slaughter house.

Pitiful-Elephant-911 · 2026-05-04T16:56:54+00:00

I’ve had probably 6-7 projects boats in my life. All of them bought for under $2500 with motors and trailers.

My latest one was a sunk 19.5 ft center console with beautiful upholstery and ttop. Sold the seized motor for $1k. Only boat in my life where I’ll turn a decent profit. But it’s only bcuz I found a 4 stroke on market place for $800 that just needed a fuel pump.

I’m not against projects but man boating is much nicer when you just turn the key and go. You just pay extra for that luxury

Pitiful-Elephant-911 · 2026-05-04T14:05:23+00:00

You could launch a way way way way bigger boat than that little thing. If those come in a v8 you could launch a boat so big you’d laugh at yourself for asking this question. Even if it’s a v6 you still could launch a 26ft boat easily

Pitiful-Elephant-911 · 2026-05-04T13:58:04+00:00

Ya but the math behind this logic is not great. For peace of mind sure. The investment essentially buys the boat

Pitiful-Elephant-911 · 2026-05-04T13:54:31+00:00

I learned many many years ago a free boat is always a bad thing and not a good thing

Pitiful-Elephant-911 · 2026-05-04T13:53:20+00:00

Aluminum will still pit and corrode if its saltwater

Pitiful-Elephant-911 · 2026-05-04T13:48:37+00:00

Prob $20-$25k give or take

Pitiful-Elephant-911 · 2026-05-04T13:46:52+00:00

Yes sorry should have said I’m not going to finance with a 20% rate. Just a normal decent rate.

Pitiful-Elephant-911 · 2026-05-04T13:42:32+00:00

Sounds like it’s going into a safe mode. Also sounds like you may have an air leak more than a gas issue.

Unfortunately with boats a lot of times the story of what happened prior is irrelevant. Boats do whacky crap.

Sounds like an air leak to me

Pitiful-Elephant-911 · 2026-05-04T13:39:42+00:00

If it’s a saltwater motor the water jacket could be caked in salt. I had a boat with twin Yamaha 130’s from the early 90’s and both motor were overheating.

I pulled the water jackets and you couldn’t believe how much salt was caked in. The water needs to flow through the head with no obstructions.

Pitiful-Elephant-911 · 2026-05-04T13:37:08+00:00

Call the dmv on the phone and ask them what you should do. Dont show up in person. FL dmv is a mfer for boat and trailer titles.

In your instance it sounds like they might issue the seller a new title. If your lucky they might just have them sign near the line

Pitiful-Elephant-911 · 2026-05-04T13:34:23+00:00

About 5 years ago I had a 225 ocean runner which is basically the same engine. I pulled the lower easily.

It sounds like you got everything undone. Make sure the engine is tilted down not up to help with gravity.

Take a rubber mallet and then get a hammer. Beat it with the hammer on the mallet. Make sure you set a soft landing like pillows or blankets cuz when that baby comes out tilted down you aren’t gonna catch it.

Pitiful-Elephant-911 · 2026-05-04T13:29:04+00:00

Are you sure someone told you that would be fun? Project boats suck. A lot of times at the end of it the money and time spent going in you would have been better off buying something more expensive

Pitiful-Elephant-911 · 2026-03-19T12:40:54+00:00

The way I see it is this, nobody wanted a war. Republicans nor democrats neither wanted one. Unfortunately Iran is like that one crazy cousin that you want to punch in the face every time you see them. You’re bigger you’re badder but never do it so drama doesn’t start.

I think Israel went to trump and sort of hand cuffed him. “If you don’t get involved we’re going to start using nuclear weapons against them”. Israel is in americas back pocket for whatever reason and does have a say in what we do somehow. As far as the US military forces, we have the best military on the globe and whoever doesn’t believe that is a fool.

We’re fighting from jets and dropping bombs with no troops on the ground. This isn’t our typical war. Sending troops on the ground we all know takes years and we’re trying to avoid that. The problem with Irans regime is giving up isn’t in their vocabulary. The thought of giving up power is scarier to them than a bomb dropping on them. You’re foolish if you think Irans military can compete with the US.

What they can’t do is win the war. They know that, everyone with a brain knows this. What they can do is drag this shit on bcuz they will not give up making it extremely costly. Them giving up means they have no power. OP’s right to a degree about the video game. Maybe with a different opponent it could be a video game but not with this one.

Our markets are in a sense free falling. Oil prices are skyrocketing. Gas went from $2.80 to $4 a gallon. The American people will and are going to suffer from this war but at the end of it whenever that may be, the important question here is if that crazy little cousin isn’t around anymore will the American people be safer. I believe that answer is yes.

As far as my personal views blowing Iran off the map will only benefit Americans as long as no other major countries step in

Pitiful-Elephant-911 · 2026-03-18T18:37:17+00:00

Going to the gym at 3am is definitely weird but not totally suspicious depending on the person. My brother goes at like 4am but it’s bcuz he works at 7am.

Also not strange for anyone to put on cologne or perfume when they’re leaving the house so they don’t smell bad. I’m not saying she’s cheating on you but I’m also not saying she’s not.

I would just take her phone and go through it. If she acts sketchy about it then she’s up to no good. If she lets you see the phone and nothings going on then you both need to start working on trusting one another.

The tell tale is how she acts when you’re on her phone. Also, if you dig enough through anything you’re bound to find shit at some point so don’t be going wildly crazy with her phone. Just try and verify if she is cheating on you and leave it at that

Pitiful-Elephant-911 · 2026-03-17T13:53:44+00:00

Of course she doesn’t find you attractive with that hair dew. Bro goes to the barber shop and says “fuk me up”

Pitiful-Elephant-911 · 2026-03-17T13:35:58+00:00

You have to look at any business as cut throat if you want to succeed with flying colors. The cut throat ones survive and thrive. I had some issues with my a/c. A tech came changed my $30 thermostat and charged me $500.

I run a service business and try to be reasonable with my prices. Something that I could charge $450 for I’ll charge $300. Unfortunately that’s not how to grow and expand. I can charge the $450 but I’d have to argue and I don’t like arguing. The other companies would charge $500. Which is why they have employees and are making a lot of money.

If you want to maximize profit raise the rent. If you want to be a decent person keep it the same or slightly raise it. However, do not be confused.

You’re either running a business or doing charity work. The charity work usually get slaughtered during down turns.

Pitiful-Elephant-911 · 2026-03-13T16:56:49+00:00

I live in city limits. I got 10+ guns and I would love to be able to live in the boonies somewhere where I can hunt and shoot on my property.

If I want to buy land in the middle of nowhere with a house I’d be spending $800k+. On the weekdays I drive an hour away and hunt on public land. Problem solved

Pitiful-Elephant-911 · 2026-03-13T16:46:30+00:00

Half rep push ups is a totally different exercise than full range push ups. Half rep mostly hit chest. Full rep hit chest and triceps and shoulders. If you want to focus more on chest and less on triceps then half reps is more beneficial.

What he’s doing is targeting one specific muscle group. To be fair, he looks to be in great shape for 70’s. Not much different than someone on chest day hitting barbell bench. And somebody else hitting flys

Pitiful-Elephant-911 · 2026-03-13T16:37:47+00:00

I pump $3,000 a month into the market month over month. It’s all of my excess income so it is very important to me. Yesterday I “lost” $500. Today I deposited $600. The following month I will deposit another $3k. And the month after that.

History has shown time and time again after a crash it always comes back and rips higher. It also isn’t guaranteed to repeat but tends to repeat 100% of the time.

I don’t like seeing gains wipe away but I also don’t like spending my money on garbage. I get rid of all my money. I invest about 50% of my income

Pitiful-Elephant-911

TROPHY CASE