jeffk

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Everything posted by jeffk

  1. How about we look at some dates. When we get that narrowed down we can pick a destination. We could also have more than one group depending on where people want to go.
  2. I came down the ICW to Miami. I forgot the no speed zones are in effect Nov to May. We went out in the ocean right outside Key Biscayne. Even with a stop for lunch and a little swimming it was a little over 3 hours. The reef we snorkled was starting to show some color, mostly purple , some yellow. There was a good amount of fish to see. tigerfish, barracuda, some blue colored species. On the way back I started in the ocean, I came back in at Old Rhoades key. I stayed in the ICW until Bear Cut, we anchored had lunch swam a bit, than back through the cut and came back in at Haulover. From Haulover to Pilot House is about 65 miles. The ocean was was great cruising coming and going mostly flat.... the approach to haulover was a little choppy but not bad. I think you guys would like to experience a day at the haulover sandbar, check it out on youtube. It can get a little crazy but fun.
  3. I went down to Key Largo this past weekend. We snorkled two reefs, saw the Christ of the Abyss statue, some barracuda and a shark. We had a great time,I hope we can put this together.
  4. A boat was anchored next to me yesterday and I remarked to my wife, it looks like our old boat...a 2004 280 Sig. On the side of the boat it said 2016 ltd edition. I never saw one of these, or find it on the we website. That hull model was changed at least 5 years ago, would they make that older model upon request? Or maybe he just bought some lettering, it did look like a fairly new boat though.
  5. That is your version of letting it go..I guess you just need the last word. I will refrain from keeping this thread going. Lou, i was on the north shore out of New Rochelle for many years. Once a year I would go down the east river out into the ocean, and go up to fire island. Great boating. One reason for moving down here is to use my financed boat 12 months a year. I do miss some of the anchorages on the sound. you will be back in the water before you know it
  6. Soldier, for someone not flaming me you are taking a pretty good shot. The tax deduction is only one part, liquidity and use of money are others. I have 2 advanced degrees in Financial Planning and recently retired from Regional Sales manager from a major insurer. Individuals make choices based on their needs and desires. What makes sense for one does not for another. What is right for me may not be right for you. A cost that makes sense to me may not make sense to you. No matter what you do boating is a cost, how you approach that cost and the value for that cost can only be determined by the individual. If financing gets you to your goal go for it. How about we move on and lets just say opinions are like (_i_)s everbody has on. Lou , thank you do you boat North Shore or South shore?
  7. ive gone to 10 on a boat heres why. It allowed me the flexibility to have lower payments when needed, but I was also able to bump up payments when I wanted and typically interest rates were the same at 10 as they were at 5 or 6 or very close. But I was disciplined I never let them get past 5 years, think I paid off one in 3 years and the other in 5. You are right, past 10 years people are out of their mind, they will try to justify it all they can, but like you said past 10 years probably time to scale back. I have no problem with 20 years. I keep my money at work and have a low interest rate and tax deduction The boat will be sold and the loan paid off way before than. People need to do what makes them comfortable is 100% correct. One also has to look at their financial picture as a whole...not single out 1 particular part. Buying a boat is not an investment, it is a cost. How you handle that cost is an individual decision. I work with a lot of real estate developers, every once in a while an opportunity comes up for me to invest in one of their projects. I would rather have that money invest-able, rather than having a boat paid off. Some people feel comfortable making monthly payments and holding on their money rather than buying for cash. To each his own. To those that find finance attractive, I would recommend a down payment large enough so you dont find yourself upside down on the loan. Even better is to finance and know you have the means to pay it off at any given time.
  8. As a Chartered Financial Consultant....dont do business with people that say never. As an example, I have a 3.25 loan rate on my boat and yes it is a 20 year loan. Interest is tax deductible as a second home, my net cost is closer to 2.5, why would I tie up my money rather than use a banks. I can keep my portfolio fully invested with enough liquidity to take advantage of investment opportunity if I find one attractive.
  9. I have Deka on my 2nd set, not all that impressed.
  10. We rarely stay on the anchor,my wife likes to be able to step off the boat. As we hose off after swimming to get salt off, I would imagine I dont have much more than 2 showers and some dishwashing done.
  11. I have a 310, 2013. We have gone away for 7 days and have been relatively comfortable. We store cases of water in the storage locker in the cabin, more than 2 adults would get crowded for an overnight. If we go away with another couple, they stay in a hotel and we split the bills. There are only two of us, if you do come down to florida we will, take you for a ride.
  12. Look up Dr. Vinyl or similar type business, they can repair that and make it look like new.
  13. 1.garmin 2.garmin 3. Garmin you willl find more garmin certified techs, than any other brand. if you live near a big west marine, you can see most on display
  14. Walk around your marina and ask what people use. I always liked an ablative but in some areas that may not be an option.
  15. Christ of the deep is in John Pennencamp
  16. I really dont want to spend much more than a day travelling to meet up. Key largo is about 55 miles from me, I could probably make islmorada in a day trip.
  17. I like the snorkeling in Key Largo. Christ of the Deep statue is pretty cool. Years ago there was a dolphin habitat and you could swim with the dolphins, it was pretty cool. Tell your wife no Ocean!
  18. Water is nice in Miami also...bit windy recently
  19. I live in Miami....not much of a trip. If I were driving down, there are some decisions to be made. How far do you want to go....remember you have to drive back! What do you want to see, and do. Personally I like the upper keys better. I dont like key west and that would be a haul for me, take me two days by boat to get down there. Larry, there are plenty of hotels by the marinas. If we do key largo, dont stay at john pennekamp as you will be a walking mosquito bite if you go out at night. If you guys do key west and dt, maybe I will drive down and meet you guys one night.
  20. Happy this ended well for you.
  21. I am in for the keys. The run to dry tortugas is not for me, I am not carrying fuel on a swim platform. A lot depends on you guys that drive a long distance where you want to put in. Do you want to spend the day mostly cruising or anchored up with each other swimming eating and enjoying the scenery....drinking too! Maybe a new folder and we can start with some dates?
  22. On extended warranty I had covered. 1Fuel pump 1 Coil 2 Water pumps Seal in outdrive. When I bought my boat in 2013, the 5 year warranty came at no extra charge. It will bring you some piece of mind, is it worth the price? Only you know that.
  23. You can buy a Volvo Penta puller on line. I bought mine used for $75 I take off both props grease shafts and replace in less than an hour. The wood block is essential, makes your life easier. Cyclops...i think you may need a little tightening!
  24. Unfortunately I have had to use my extended warranty a few times this year. The service from my vp dealer was great and they covered everything they were supposed too. Do not confuse these with insurance, these are regulated as discounted service contracts, not insurance. Who you buy it from is important. If you are looking into a third party ask your repair shop if they except it.
  25. Volvo aftermarket parts are a bit harder to find than merc. I used glm and one failed, take it with a grain of salt. I used Barr also, I believe they make them for volvo. also try marine parts express, shop around try iboats also. Good luck!