Richard W

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About Richard W

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    Always Learning

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  • Location
    : Snowbirding:: Winters - FL, USA and Summers - ON, CANADA
  • Interests
    Mountaineering, hiking, sailing, boating, robotics, and getting the job done right!

    Overheard on the forums …

    1. The water is always bluer on the other side of the ocean.

    2. God gave you two ears and one mouth for a reason.
    When you talk, it's only about things you already know. When you listen, you learn.

    3. Docking ... it's a controlled collision.
    Sometimes more controlled than others, with a nice feeling when it goes well.

    4. Red, Right, Returning ... and ... Red, Left, Leaving ... :slap:

    5. Great minds discuss ideas; average minds discuss events; small minds discuss people. - Eleanor Roosevelt

    6. Ignorance compounded by arrogance ... a destructive formula.

    7. Once you stop learning you start dying. - Albert Einstein

    8. I Gotta Get Outta Here ...

Recent Profile Visitors

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  1. It's easy being well off, all these options and opportunities the most do not have ... but that was not a context of, at least, the last few pages of this discussion. If one has enough, or more than enough, and wants to keep the fireplace going with $100 bills, so be it, nobody says they should not do it. The point was to opine on how to navigate the financial waters if one does not have cash to buy a $100k boat outright. Looks like my part is done. I appreciate the range of shared opinions, as well as the occasional self promotion sideshow. Good job everybody ...
  2. Having this kind of money upfront opens opportunities and options. Loan or cash, whatever, not a challenge at all. Not having this kind of operating capital upfront and planning to purchase a $100k boat is a challenge where the approach will have a lasting and more pronounce impact on one's life. This is the situation when one needs to be careful and mindful of the consequences ... as already said, the 2007/2008 subprime crisis aka living beyond one's means should be a lesson we all learned from.
  3. Good for you ... you had/have the plan, you have the means, and you went for it. As they say, time is money, but also money can buy you some time and make things happen sooner if you can afford it. Sometimes it is worth it ... Enjoy!
  4. You misunderstood the old fashion way approach ... You SAVE the money for a boat, month by month or whenever you have extra disposable income, and put it to work by generating some however meager income (from interest) to boost your savings. Then, when you have saved enough, you buy your boat using your savings and the generated income. Alternative way is to get a loan upfront and pay not so meager interest to a bank. When CDs pay 1.5% to you, the bank loan costs you at least 4.5% or more for a boat purchase. A 6% spread ... to each his own ....
  5. Not many are rich enough to pay this kind of cash on a whim. Not an average Joe and not without doing some planning and being financially disciplined. If you want something badly, there is always a way. Instant gratification way, low or no down payment and long term bank loan and interest to pay later, or the old fashion way ... wait, save as you go, put the money in high interest account or into CDs/bonds and pay interest to yourself, and when you have enough, buy it outright or with a large down payment and a small short term loan. Yeah, one needs to wait and work for it for a period of time, not a popular way, I know.
  6. No service manuals for Chap boats, but you can get their Parts List with some plumbing and electrical diagrams, inner works pictures, etc on Chap's main website. Volvo Penta service manuals are available for purchase directly from VP. Have your engine's serial number ready, go to VP website and you will be directed to all available user manuals (free PDF) and service manuals (not free print).
  7. Open the dash to get to the back of the tach and check/try this first ... 1. At the back of tach gauge there is a mini turn switch that should be set to the number of your engine cylinders, 4-6-8. The switch is sometimes not set correctly at the factory. 2. While checking that switch, give it a few turns back and forth to clear any oxidation on the switch contacts. The poor connection makes the tach behave unpredictably. 3. Check all other tach connections under the dash.
  8. The true 270, pre 2010, LOA 29', has solid fiberglass gelcoat finished soles in the cabin. The 250 of that era, which was renamed 270 in 2010, has a solid fiberglass with carpets glued on top of it. You might try to search the older topics as this was discussed before, and the conversions from carpet to something else were done. There is a bit of elbow grease involved getting rid of all that glue and carpet backing residue.
  9. It's not an advice, it is a principle that applies to most regardless of if they like it or not, practice it or not. Yes, it means that in many cases they cannot afford that bigger house, or a new SUV, or a boat regardless of if they know it or not, want to admit it or not. Unless your kids collage is already planned for, your retirement plan is already in place, and your investment safe, it ain't smart to do otherwise.
  10. Looks like you are on the way to retire comfortably if not early and comfortably ... I like your thinking.
  11. Short of somebody doing the ECM scan, and getting lucky running diagnostic routines after all that parts had been thrown at the engine, you need to replace the entire engine now. Might be cheaper in the long run as well. JK ...
  12. As said already ... think about it. IMO, the 270 short distance no big deal, the 290 or 310 any distance no way. My 2016 F-150 3.5EB with max tow package is rated at 11,500 lbs, and I would not even try to tow 290 or 310. Hope your launch ramp has a very low grade and is well maintained.
  13. Good point ... I usually test in late October just before storage when the temperatures are in low 50s at best. I use the professional Midtronics battery tester that has a temperature sensor and I believe it compensates for the ambient temperature difference.
  14. I have replaced old and installed new batteries before the 2013 season. All the same type, deep cycle AGM made by ODYSSEY, model 31M-PC2150, and sold under Sears DieHard Marine Battery brand. They are rated 1150 CCA, they tested around 1350 when new. Now, after four seasons they still test 1300+ CCA house, and 1150+ CCA engine. I can't complain.
  15. Happy Birthday Cyclops! Hmm ... do Cyclops celebrate birthdays?