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Just make more money and live on this thing. Problem solved. http://www.boattrader.com/listing/2014-CUSTOM-50-Houseboat-101801838
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Nov 18, 2015 17:37
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Moey posted:Just make more money and live on this thing. Problem solved. At least you don't have to shrink wrap it.
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Nov 18, 2015 19:38
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Half a mill for that shed on a floating platform. Thats a good deal.
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Nov 19, 2015 00:53
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Some minor differences in risk when comparing insuring a house vs a houseboat with zero maintenance budget: If a pipe breaks, or you get a small crack in the wall of your house, the house doesn't end up literally under water, with a drowned fool and his dog inside. If a drunk guest exits your property in the wrong direction, oops, they're now trespassing in your neighbor's yard. If they do the same thing from your houseboat: oops, they're now drowning. Also, you can pump water out of your basement worry free, should you find your basement flooding. Not exactly the same case with a boat
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Nov 19, 2015 07:22
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BaseballPCHiker posted:Well than I guess I should provide an "update". I haven't gotten anywhere with these drat bankers and insurers. At one point I thought I had a fixer upper steel hulled boat lined up. But I couldn't get insurance. AT ALL. I thought I had a chance getting insurance on it through my small business as a business policy but they turned it down after questioning me on my boating experience and skills, despite me telling them a million times that it would be just docked at the marina %90 of the time. Also, here's some boating skills that might come in handy for a mostly-stationary boat: -Knowing how to not die if the boat sinks, if you fall overboard, if poo poo catches on fire, etc. This includes helping other people on your boat avoid death. -Basic boat maintenence & spotting common boat problems before they turn into big problems. -Being able to handle your boat enough to safely dock it, undock it, and move it around for supplies/waste disposal. -Knowledge of boating laws & regulations. You may not agree with it, but there are reasons an insurer would want to see at least a little bit of boating experience.
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Nov 19, 2015 08:01
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https://www.youtube.com/watch?v=BgmpQrIiDPk
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Nov 19, 2015 13:03
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I haven't seen you post in any of the boating threads that I linked to on the forum yet. Nor have you responded to the ~$800 wrap every year at least doubling your assumption of monthly heating costs.
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Nov 19, 2015 21:43
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dreesemonkey posted:I haven't seen you post in any of the boating threads that I linked to on the forum yet. You are such a negative nancy. Issues get solved as you figure them out, obviously boats are cheaper and obviously issues just get fixed when they come up.
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Nov 20, 2015 13:56
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Can we group buy some life insurance on the OP since we all now have an insurable interest in this thread continuing? Seems like a good investment.
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Nov 20, 2015 16:59
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Elephanthead posted:Can we group buy some life insurance on the OP since we all now have an insurable interest in this thread continuing? Seems like a good investment. I am looking forward to his girlfriend dumping him for a guy with a real house.
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Nov 20, 2015 22:46
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Or a guy with a larger dinghy.
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Nov 20, 2015 23:15
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Breetai posted:Wile E Coyote, with a puzzled expression, stands directly under the precariously balanced boulder, wondering why the tripwire didn't cause it to fall. With a look of grim determination on his face, he picks up the long wooden pole and begins to poke at it. Perfect.
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Nov 25, 2015 10:37
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I request an update on your  quest
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Dec 7, 2015 02:44
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ChickenOfTomorrow posted:I request an update on your Not much to update unfortunately. I talked to another lender and they were willing to offer me a personal loan for enough money to get a fiberglass boat but it was at %11 APR so I said hell no. Right now my only option in my mind at least is using my bonus that I get in April and put that towards a boat. That way I'll either be able to afford a larger down payment or just buy a really lovely houseboat outright.
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Dec 7, 2015 14:39
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BaseballPCHiker posted:just buy a really lovely houseboat outright. This one please.
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Dec 7, 2015 15:55
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Just build your own boat dude, the savings will be immense.
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Dec 7, 2015 16:27
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Maybe the bankers would take you seriously if you put the percentage sign after the number. 110% interest is the best I would offer you.
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Dec 7, 2015 16:34
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MrKatharsis posted:OP: do you have a state issued boater safety card yet? Still waiting for an answer. It may hold the key to some of your insurance woes.
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Dec 7, 2015 18:01
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I have a sinking feeling that the lenders think your plan doesn't hold water. That your income won't keep you afloat. Other puns
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Dec 7, 2015 18:37
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BaseballPCHiker posted:Not much to update unfortunately. I talked to another lender and they were willing to offer me a personal loan for enough money to get a fiberglass boat but it was at %11 APR so I said hell no. Right now my only option in my mind at least is using my bonus that I get in April and put that towards a boat. That way I'll either be able to afford a larger down payment or just buy a really lovely houseboat outright. Why aren't you just trying to rent a houseboat? I forget.
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Dec 8, 2015 00:51
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n8r posted:Why aren't you just trying to rent a houseboat? I forget. Oh sure, THROW money away! Yeah, right.
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Dec 8, 2015 02:00
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That 11 percent interest will eat up p much all of your Salty Sea Wench budget imho
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Dec 8, 2015 05:35
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oxsnard posted:That 11 percent interest will eat up p much all of your Salty Sea Wench budget imho OP have you considered what you'll do if you get attacked by Minnesotan pirates??
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Dec 8, 2015 14:48
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MrKatharsis posted:Still waiting for an answer. It may hold the key to some of your insurance woes. No. I have no idea what a state safety boater card is or why I need it. If it helps with the insurance issue than I am all for it. This whole boat debacle has really been bringing me down lately. It shouldnt be this hard to get a loan for a boat. If I wanted to buy a stupid impractical car I could be out scooting around already. The boats I'm looking at are cheaper than a lot of cars even. I have heard that there are some companies out there that do house boat type mortgages. Hopefully after the holidays I can get in touch with them. A 15 year loan on a houseboat would be dirt cheap. I'd be saving even more money then SarutosZero posted:OP have you considered what you'll do if you get attacked by Minnesotan pirates?? I have a dog who I will train to knock intruders overboard into the icy river. Also they will have to break my plastic boat wrap barrier.
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Dec 8, 2015 16:27
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BaseballPCHiker posted:No. I have no idea what a state safety boater card is or why I need it. If it helps with the insurance issue than I am all for it. This whole boat debacle has really been bringing me down lately. It shouldnt be this hard to get a loan for a boat. If I wanted to buy a stupid impractical car I could be out scooting around already. The boats I'm looking at are cheaper than a lot of cars even. I have heard that there are some companies out there that do house boat type mortgages. Hopefully after the holidays I can get in touch with them. A 15 year loan on a houseboat would be dirt cheap. I'd be saving even more money then I think the problem is house boats are not cars. It's a different type of vehicle with different risks and a far smaller market - so most lenders don't even bother with them. The lenders that do make those loans know they're the only lenders that make those loans so they have more leverage in getting the terms they want. It's probably more difficult getting a RV loan than a car loan as well. And LOL the fact you were told you needed a state safety boater card and still have no idea what that is. http://www.dnr.state.mn.us/safety/boatwater/education.html
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Dec 8, 2015 16:48
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Boaters courses are typically only required for 12-17 year olds. I am pretty sure that is the case in MN. It may get you an insurance discount, like a defensive driving course. It is most likely not a requirement though.
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Dec 8, 2015 17:00
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spwrozek posted:Boaters courses are typically only required for 12-17 year olds. I am pretty sure that is the case in MN. It may get you an insurance discount, like a defensive driving course. It is most likely not a requirement though. If you're gonna live on a boat it might be a good idea to have taken a safety course regardless of the requirements. But paying for one would cut into the savings!
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Dec 8, 2015 17:10
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Do barnacles grow in sub arctic lakes? Bad news, you'll have to clean them off in the summer. Good news, you can punish mutineers by keelhauling them
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Dec 8, 2015 17:11
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Why do you need to take a boat safety class when nobody takes a house safety class. It's just a house on water instead of a house on a secured foundation.
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Dec 8, 2015 17:12
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Ha, I didn't know it was a youth thing in Minnesota. In Washington state it's for anyone operating a boat over a certain horsepower. It's good knowledge to have. Right of way, fire safety equipment, required lights, all that stuff. There's more required equipment than you would expect. I often dream about live aboard life but the larger floating homes in Seattle are as expensive as regular houses and the wife and cats would mutiny on a sailboat.
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Dec 8, 2015 17:45
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candy rear end OP going to banks and credit unions instead of paying the iron price
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Dec 8, 2015 17:47
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MrKatharsis posted:Ha, I didn't know it was a youth thing in Minnesota. In Washington state it's for anyone operating a boat over a certain horsepower. It's good knowledge to have. Right of way, fire safety equipment, required lights, all that stuff. There's more required equipment than you would expect.  Much better than some lovely lake in MN. (I realize MN has a water way that goes to the ocean, but it takes a lot of states to get to.)I'm still confused by the OP. Why isn't he looking at a proper sailboat? They are more practical and way nicer than any of the shitboats he's been posting thus far. SiGmA_X fucked around with this message at 17:58 on Dec 8, 2015 |
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Dec 8, 2015 17:54
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Jeffrey of YOSPOS posted:candy rear end OP going to banks and credit unions instead of paying the iron price Ahhh ha ha ha ha. Favorite part of this thread.
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Dec 8, 2015 18:03
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OP have you considered asking your GF to cosign a boat loan
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Dec 8, 2015 18:06
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SarutosZero posted:OP have you considered asking your GF to cosign a boat loan That's puting the cart before the horse there getting the anchor like that.
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Dec 8, 2015 18:10
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BaseballPCHiker posted:It shouldnt be this hard to get a loan for a boat. If I wanted to buy a stupid impractical car I could be out scooting around already. The boats I'm looking at are cheaper than a lot of cars even. I have heard that there are some companies out there that do house boat type mortgages. Hopefully after the holidays I can get in touch with them. A 15 year loan on a houseboat would be dirt cheap. I'd be saving even more money then You know the first two thoughts the workers at the bank have when they see a request to get a loan for a 20 year old house boat are: sunk coast, and under water. Jeffrey of YOSPOS posted:candy rear end OP going to banks and credit unions instead of paying the iron price This is the only way. Mods please change baseballPChikers name to reek until he buys a boat. dangling pointer fucked around with this message at 19:15 on Dec 8, 2015 |
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Dec 8, 2015 19:09
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Jeffrey of YOSPOS posted:candy rear end OP going to banks and credit unions instead of paying the iron price What is dead may never die
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Dec 9, 2015 13:01
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car loans are easy to get because if they have to repo it there's a market for it. who the gently caress wants to buy a houseboat?
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Dec 9, 2015 20:10
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baram. posted:car loans are easy to get because if they have to repo it there's a market for it. who the gently caress wants to buy a houseboat?  But he doesn't want it enough to reasonably shop around for a loan or insurance, or look for a decent house boat. I bet it's easier to insure and finance a proper boat like a Beneteau 37~45', and its a way better yacht.
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Dec 9, 2015 22:16
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SiGmA_X posted:The OP Goddamn, a '07 Beneteau 45 costs as much as my condo. Guessing frozen houseboat guy won't be able to swing that.
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Dec 10, 2015 11:04
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