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    • BadgerBoater55

      Posted

      19 minutes ago, bamaboy said:

      Hear that boys?  If you take a loan out to buy a boat your kids will be stuck in a cycle of poverty.  They will be eating low protein gruel while surfing their own 23 LSVs.

       

      Let me throw out my personal scenario for you.  My last boat was 80K out the door with tax, title, reg.  My wife suggested we pay cash.  I told her that was the dumbest thing she ever said.  (not really but I wanted to).

      Our credit union rate is 3.24%.  We also get an annual rebate based on credit union performance which generally depends on the economy overall.  Last 4 years we got 75% back.  This effectively reduces my rate to 0.81% if it holds.  Last 10 years, credit union members have gotten more than 50% back.  So at most I will assume a 1.62% rate.  

       

      @bamaboy don't you know... useless college degrees (you know all those philosophy factories out there...) are a fool proof way to make sure your kids don't fall into a debt trap, much better than a boat loan. :rofl:  

      1 person likes this
    • River Monsters

      Posted

      16 minutes ago, bamaboy said:

      Hear that boys?  If you take a loan out to buy a boat your kids will be stuck in a cycle of poverty.  They will be eating low protein gruel while surfing their own 23 LSVs.

       

      Let me throw out my personal scenario for you.  My last boat was 80K out the door with tax, title, reg.  My wife suggested we pay cash.  I told her that was the dumbest thing she ever said.  (not really but I wanted to).

      Our credit union rate is 3.24%.  We also get an annual rebate based on credit union performance which generally depends on the economy overall.  Last 4 years we got 75% back.  This effectively reduces my rate to 0.81% if it holds.  Last 10 years, credit union members have gotten more than 50% back.  So at most I will assume a 1.62% rate.  

      I'm not a market whiz, but I know that I can make a lot more than 1.62% investing 80K in pretty much anything including Bitcoin.

       

      I realize that not everyone can get that rate but the point is that everyone's scenario is different.  Many people choose to take loans out because it is a smarter financial decision.  You seem to presume that you know a lot more than you actually do.  

       

      Time to take a step down from your high horse there new guy

       

      So is that an actual argument?   Or just another DP takedown for the fun of it.  lol

    • bamaboy

      Posted (edited)

      6 hours ago, SomeYeahoo said:

      I'm sorry to hear you'll never have $50K of cash handy to spend on a boat. What do you plan to spend on your retirement or your childrens' education? At least you'll have memories to carry you through and I guess the kids will have to borrow money to get plowed...and the cycle continues.

      Hear that boys?  If you take a loan out to buy a boat your kids will be stuck in a cycle of poverty.  They will be eating low protein gruel while surfing their own 23 LSVs.

       

      Let me throw out my personal scenario for you.  My last boat was 80K out the door with tax, title, reg.  My wife suggested we pay cash.  I told her that was the dumbest thing she ever said.  (not really but I wanted to).

      Our credit union rate is 3.24%.  We also get an annual rebate based on credit union performance which generally depends on the economy overall.  Last 4 years we got 75% back.  This effectively reduces my rate to 0.81% if it holds.  Last 10 years, credit union members have gotten more than 50% back.  So at most I will assume a 1.62% rate.  

      I'm not a market whiz, but I know that I can make a lot more than 1.62% investing 80K in pretty much anything including Bitcoin.

       

      I realize that not everyone can get that rate but the point is that everyone's scenario is different.  Many people choose to take loans out because it is a smarter financial decision.  You seem to presume that you know a lot more than you actually do.  

       

      Time to take a step down from your high horse there new guy

       

      Edited by bamaboy
      2 people like this
    • Slurpee

      Posted

      I'm lugging 5ga fuel to the boat like I always do this last weekend.  This time I wonder why I'm standing in the sun doing this when it shady on the other side of the boat.  Why? Because that's where the fuel fill port was on the last boat for 15 years.  Anyone else stuck in a rut?:)

    • ahopkinsTXi

      Posted (edited)

      6 hours ago, thejean said:

      So my local dealer today offered me a similarly equipped 2018 LSV for exact same money I would get the 230 for. I know stock the LSV might have the better wave but I also know my buddy's 230 with 750's surfed better than my 2013 LSV with 750's. How much better is a 2018 LSV over a 2013? I rode a 14 LSV with 900's and well, the wave was about 300 lbs better than with my 750's! Lol

      Leaps and bounds better. In 2013 surf gate had just come out and it was pretty much just slapped on the wake setter line up. Works ok but they have significantly improved the surf wakes since then with hull, wedge, surf gate, and ballast improvements. The 2018 should (I haven't actually surfed one yet) surf better than the 14 LSV as well. The 18 has the PW2, better ballast and it sounds like no need for additional stock ballast.

      Imo a 2018 LSV would be a much better purchase over the 230. I'm shocked the 230 is even still being made to be honest with you. The LSV is going to be a desirable boat for many years to come. 

      Edited by ahopkinsTXi
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    • Red17A24

      Red17A24  »  Gene3x

      The boat is in Mountain Home, AR
      i sent you a email with pics
      · 0 replies
    • DarkKnight

      DarkKnight  »  shawndoggy

      Hi Shawndoggy, can't help but notice all your advice you give to all the members. The advice is always sound, and my way of thinking. So my question to you is if you had to add an additional heater ports at the passengers feet. What would be your best solution? I have a mxz20 13'
       
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    • Claudebn

      Claudebn

      Hello,
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      WakeGates  »  MLA

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    • mackie12

      mackie12  »  SmoothWaterMan

      Morning Peter,
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      · 0 replies
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