Find The Suitable Boat

You’ve looked at the boating magazines and mooned around the boat shows long enough. Now it's time to find the suitable boat for you. Now it’s time for you to be the guy or gal next to that smiling, Florida-tanned model with the mirrored sunglasses and the wind-rippled hair, cruising across that emerald sea toward adventure, romance, and a monthly payment book. Or maybe your vision is a bit more domestic: the spouse, the kids, the Bostonterrier, a jug of Gatorade, and a picnic basket full of pastrami on rye, off for a visit to a sandy beach. Sailing, water-skiing, snorkeling, a visit to the next port down the river, or maybe a cruise to that island over the horizon—you are the skipper; you decide. You’re in command in a world where there are no yellow lines and no traffic jams, where fish and birds and wonderful marine mammals such as porpoise and manatees are frequently part of the scenery, and where you can find true solitude when you want it. No wonder people love boats and boating.

There’s an aura of mystery to handling a boat, cultivated in part by the arcane language of the old salts of the sea. But getting started is a lot easier than you might imagine, and learning the basics for competent, safe operation takes a minimal investment of time and energy.
What type of boat is really best for you and your family? Read on.
Whatever your boating dream, realizing it starts with facing the realities of affordability, space, affordability, seaworthiness, affordability, comfort, affordability, and affordability. It’s the money, my friends. Everybody knows that.
With boating, as with everything else in life, you will soon find that you always want just a bit more than you can actually afford. And unfortunately, as yachtsman J. P. Morgan once said, if you have to ask how much it costs.. you can’t afford it. (He should have said, if you have to ask how much it costs, you’re a wise buyer.) It is possible to go boating at some level on just about any budget that features discretionary income.
Because boats last a long time and don’t go out of style rapidly, you can get long-term financing, up to 15 years, on most models. This makes the payments easy for anyone steadily employed to handle. You can get a rough estimate of 5-year payments at 8–10 percent by multiplying the number of thousands by $20—that is, a $5,000 boat will have payments around $100, a $10,000 boat will run around $200, and a $20,000 boat will cost around $400 per month.
As we knows, longer payments mean lower payments. But they also add up to lots more interest—an amount almost equal to the principal in the case of the 15-year term. Cash is usually the best buy on any depreciable asset, but if you can’t manage, the long-term payments make it possible to enjoy the boat of your choice within your budget.
So what kind of boat suitable… I mean affordable for you?