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Perhaps the OP should take a look at this Canadian TV series about (crazy) people living in houseboats in really cold conditions for inspiration. http://www.wapawekka.com/ice-lake-rebels-yellowknife-bay-houseboats/ http://www.tvguide.com/tvshows/ice-lake-rebels/675098/
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Dec 10, 2015 14:43
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For all this hogshit OP's going through, why not just buy a pontoon boat (party barge) and plop an ez up on that bitch? You'll freeze to death either way, but at least you'd be partying.
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Dec 10, 2015 15:26
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Bastard Tetris posted:Goddamn, a '07 Beneteau 45 costs as much as my condo. Guessing frozen houseboat guy won't be able to swing that. Humblebrag
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Dec 10, 2015 18:46
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I would be shocked if there were a Beneteau of that size anywhere in Minnesota. OP needs a proper powerboat to get up and down the Mississippi.
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Dec 10, 2015 19:25
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Bastard Tetris posted:Goddamn, a '07 Beneteau 45 costs as much as my condo. Guessing frozen houseboat guy won't be able to swing that. MrKatharsis posted:I would be shocked if there were a Beneteau of that size anywhere in Minnesota. OP needs a proper powerboat to get up and down the Mississippi.
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Dec 10, 2015 21:24
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r0ck0 posted:Humblebrag No one brags about owning a condo. Hundreds of thousands of dollars and you still have to hear your neighbors, can't make just about any changes, and need to pay some arbitrary fees to a
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Dec 10, 2015 21:37
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A house is basically a condo except you have to mow the lawn and maintain the driveway/roof/siding/etc, and there's some air between you and your neighbor (personally this doesn't affect me).
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Dec 10, 2015 22:43
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Nail Rat posted:No one brags about owning a condo. Hundreds of thousands of dollars and you still have to hear your neighbors, can't make just about any changes, and need to pay some arbitrary fees to a Yup, exactly.
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Dec 10, 2015 23:33
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Jeffrey of YOSPOS posted:A house is basically a condo except you have to mow the lawn and maintain the driveway/roof/siding/etc, and there's some air between you and your neighbor (personally this doesn't affect me). The amount of money you blow on HOA can be used to hire a neighbor's kid to do all the poo poo like lawns and snow removal.
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Dec 10, 2015 23:48
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Jeffrey of YOSPOS posted:A house is basically a condo except you have to mow the lawn and maintain the driveway/roof/siding/etc, and there's some air between you and your neighbor (personally this doesn't affect me). Ask me about buying a condo in 2007...
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Dec 11, 2015 03:49
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PineappleGod posted:Perhaps the OP should take a look at this Canadian TV series about (crazy) people living in houseboats in really cold conditions for inspiration. I'll look into these thanks! Bastard Tetris posted:Goddamn, a '07 Beneteau 45 costs as much as my condo. Guessing frozen houseboat guy won't be able to swing that. Sorry I dont want to be a boat shoe wearing rico suave like yourself. Maybe you should make a bad with money III: My Condo thread. No updates as of now. Probably wont be working on the boat project much until after new years. Since I can't get insurance or a reasonable loan my plan is to wait until I get my bonus this spring and try to go from there. I'm thinking that the used boat market is poor enough that I could work out a payment plan with an individual seller.
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Dec 11, 2015 18:26
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What about insurance on the boat itself did you work that out yet?
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Dec 11, 2015 18:33
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BaseballPCHiker posted:BUT when I'm ready to move on I can turn around and sell the thing and make money on the back end of the deal. BaseballPCHiker posted:I'm thinking that the used boat market is poor enough that I could work out a payment plan with an individual seller.
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Dec 11, 2015 18:40
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Ice Lake Rebels posted:Returning home from the mainland with his wife after a storm, they discovered their house had frozen in place on a notable tilt. It will be half a year before the ice will thaw and the house will again be level. 
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Dec 11, 2015 18:41
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BaseballPCHiker posted:I'm thinking that the used boat market is poor enough that I could work out a payment plan with an individual seller. Do you think this has any correlation to your insurance and financing problems?
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Dec 11, 2015 18:41
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Veskit posted:What about insurance on the boat itself did you work that out yet? I've just gotten ballpark estimates on a few that I was considering buying but wasn't able to get an acceptable loan on. Nothing concrete yet. CellarDweller posted:Wise guy stuff I'm referring to the crap fix up boat market for buying plus looking in winter. Once the boat is fixed up and I turn around to sell it in the summer the market is a lot better. People are afraid to work on boats for some reason.
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Dec 11, 2015 18:45
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BaseballPCHiker posted:I've just gotten ballpark estimates on a few that I was considering buying but wasn't able to get an acceptable loan on. Nothing concrete yet. What is the ballpark estimate?
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Dec 11, 2015 18:49
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the boat market is really bad except for me, it will be really good for me
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Dec 11, 2015 18:54
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BaseballPCHiker posted:People are afraid to work on boats for some reason. You're being trolled. Gas thread ban op
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Dec 12, 2015 04:36
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Nitrox posted:Except you own the land that's under the house. Which is the part that tends to go up first and hold it's value. Imagine being able to pint at the map and outline the actual piece of land that's yours. Instead of living in what essentially an apartment that you're paying endless lease for. Not having to rely on the rest of the condo association for anything is a wonderful thing. So, what's the concensus about townhomes then? I own the land under my unit, since it's not an apartment, more of a rowhouse.
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Dec 12, 2015 13:05
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BaseballPCHiker posted:People are afraid to work on boats for some reason. It's because boat parts, fixtures, coatings, etc are really expensive. Put the word "marine" on any widget, and you can triple the price. But, since you're dead set on budgeting zero for maintenance and repair, this won't be a concern until you spring a leak, decide to sell, and discover what a giant, un-offloadable liability you've got. That's all right though. If it weren't for the woefully unprepared boaters, a lot of salvage and rescue people would be out of work.
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Dec 15, 2015 22:48
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B33rChiller posted:It's because boat parts, fixtures, coatings, etc are really expensive. Put the word "marine" on any widget, and you can triple the price. Oh god, imagine a marine wedding boat. That's like 20x the price!
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Dec 16, 2015 02:39
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SpelledBackwards posted:Oh god, imagine a marine wedding boat. That's like 20x the price! No need to imagine! Why, you can rent the 100 foot Royal Princess 2 for your wedding at **~~~Beautiful Kemah, TX~~~*** Bring money. e: Royal Wedding Package Includes: Private 4 hour Cruise Minister Wedding Ceremony while Cruising Decorations Custom Table Linens Custom Chair Covers Custom Chair Covers Sashes Fresh Flower Table Centerpieces Lighted Cake & Sign-in Tables Personal Lifering Duel Entree Dinners Show me the Menu Hor D'oeuvres Reception, Champagne Toast Open Soda Tea & Coffee Bar 4 Hour DJ Service Photography (Includes, CD, wedding photo's & book) Wedding Cake & Grooms Cake Wedding Coordinator. Hotel Discounts for Your Guests PLUS 3 Hr. Premium Bar Includes: Beer, Wine & Premium mixed drinks Price reduced $1,000 Now $14,995.00 For each guest over 100 add $60 BloodBag fucked around with this message at 11:44 on Dec 16, 2015 |
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Dec 16, 2015 11:40
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Compared to the numbers people throw out in bad with money megathread, that's surprisingly reasonable.
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Dec 16, 2015 14:50
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Please no wedding chat, we don't need another thread where people fall over each other to brag about how they got married in their backyard and invited twenty people and they wouldn't change a thing.
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Dec 16, 2015 15:09
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I put my houseboat up on trestles in my back garden for 20 years and I wouldn't change a thing
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Dec 16, 2015 23:03
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ChickenOfTomorrow posted:I put my houseboat up on trestles in my back garden for 20 years and I wouldn't change a thing Maybe OP should plan to do the same, it would really cut down on his docking and winterizing expenses.
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Dec 17, 2015 16:36
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OP should make a boat-shaped restaurant that only sells coffee at weddings..on a horse property. Truck equity is the only form of payment accepted. I think I got all the BFC bases covered there.
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Dec 17, 2015 16:39
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Please dont make this the new thread im stilk reading the old one
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Dec 17, 2015 17:09
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BloodBag posted:OP should make a boat-shaped restaurant that only sells coffee at weddings..on a horse property. Truck equity is the only form of payment accepted. I think I got all the BFC bases covered there. Is there an Uber for horses? Imma lease a horse out-of-state to ride for Horse Uber
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Dec 17, 2015 19:16
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Horseback Uber would own. Look for the paint with the guy with the black cowboy hat.
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Dec 17, 2015 19:20
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anne frank fanfic posted:Please dont make this the new thread im stilk reading the old one It's not bro, the title is a humorous reference. OP, why don't you post the actual figures and your actual current budget instead of promising to do it but never following through? This should be simple as you must already have a spreadsheet where you're keeping track of this stuff, sooooo you can just copy it over.
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Dec 17, 2015 20:35
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NancyPants posted:It's not bro, the title is a humorous reference. When you say actual budget do you mean my current apartment living budget or my projected boat living budget or both?
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Dec 18, 2015 05:18
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Both. And your stalling isn't fooling anyone but you.
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Dec 18, 2015 06:34
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NancyPants posted:Both. And your stalling isn't fooling anyone but you. This. Some people are here to keep you afloat (literally).
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Dec 18, 2015 07:47
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NancyPants posted:Both. And your stalling isn't fooling anyone but you. Haha, sorry I hadnt realized that not rushing blindly ahead without doing research and taking the time to get a good boat at a fair price was stalling. I'll make sure to go out and get any boat I can via payday loan this weekend. I'll try and post more detailed numbers later. But here is a rough idea of my home expenses in the apartment: Rent - $955 Insurance (car and rental) - $135 Netflix & Hulu - $17.15 Medical - $0 (I have a HSA and FSA through work payroll deduction) Gym - $50 Utilities - $65ish a month. I pay water and trash at my apartment which is a rip off. Internet - $50 Cell Phone - $45 Groceries - $250 (I budget $250 a month and am generally very close. Some months I'm $50 over and the next I'll be $50 under) Restaurants - $50 Booze - $50 (Again very close each month. Usually within $15 over or under each month) Household goods (this is my cleaner, trash bags, etc category) - $50 Clothing - $50 Miscellaneous - $100 (This category varies wildly, a lot of it is usually work expenses that I get reimbursed for) Dog Expenses - $100 ( This is honestly probably low. Last month for example I spent $329.60, $200 of which was a yearly exam, vaccine booster, and fecal test they do yearly. This month its been $15 so far.) Business costs - $100 (This is for my small personal business. Usually pretty far under this but once twice a year I need to make a big purchase so I budget to account for that.) Emergency fund -$200 Car Repairs -$40 Gifts/Charity - $30 Vacation - $200 (Not every month, just for months leading up to a vacation. Right now for example I am saving this much until February.) Car Payment - $271 Student Loans - $225 Total = $2900-3000ish Income - $1594 every two weeks net salary. $2-400 a month side business.
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Dec 18, 2015 15:34
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quote:just the vote we were looking for
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Dec 18, 2015 16:19
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Holy crap dogs are expensive. Send it to the pound. Then you won't have to move into a boat.
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Dec 18, 2015 17:16
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BaseballPCHiker posted:Haha, sorry I hadnt realized that not rushing blindly ahead without doing research and taking the time to get a good boat at a fair price was stalling. I'll make sure to go out and get any boat I can via payday loan this weekend. I didn't mean go buy a boat, I meant you are stalling and giving tons of excuses whenever it comes to numbers. You really don't need to post that you called a bunch of places and got rates and then never post those possible rates, and even now you're giving excuses and stalling when it comes to posting your actual numbers. You don't have to post 5 minutes after every request to say that you (might) do it later. If you want to make the financial side of it work, you're going to need to know how much the boat will cost and proposed interest rates if you (stupidly) choose to finance a boat. You'll also need insurance rates but even if you don't have that because you can't insure the thing without any boat experience, you should post the prices of any boats you'd conceivably try to buy. By the way, talking to a bunch of retired dudes about their payments does not constitute research because you will not get those rates (and also those loans were probably created 10+ years ago). I know you're not doing this already, so start keeping track of the cost of these boats you're looking at. Also: you do not have enough money saved for this. You said you have $8000 for a boat and $3000 in your emergency fund? That is one month of (optimistic) living expenses. Let's say, best case scenario, you are able to buy a boat for $8000 and it somehow sinks/burns down in a way that leaves you and your dog with no injuries and you don't have to spend any money retrieving the burned out carcass. Where do you and your dog live while you find a new apartment? What do you do if you can't find a place right away? How do you scrounge up a deposit and/or first month's rent? You can't just say, "Well nothing will happen to the boat" because people's actual homes burn down all the time, either through their own stupidity or that of their neighbors, and those things aren't even really exposed to the elements or have a bunch of mechanical parts to break down. Let's say you put down $8k on a $35k boat with 6.5%APR 20yr (they won't, but let's pretend): boat payment $201 per month The same as a 10 year, which (if you get a loan at all for this thing) is what you will get: boat payment: $306 per month boat insurance (we'll have to ballpark this since you've been unsuccessful in obtaining any useful info): $100 car payment (how old is your car/how much do you still owe on it?): $271 car insurance: $125 (if you pay more than $10/month for renter's insurance you are getting hosed, so this won't substantially decrease when you drop the renter's) car repairs: $40 gasoline for car and for boat: $? slip fees: $300 sewage: $40 propane: $40 (laughably optimistic) electricity: $? (I can't possibly see this as rolled into the slip fee. Maybe the connection is, but not your usage.) student loans: $225 groceries: (because you actually spend up to $300/month, this is what you budget) $300 booze: (because this is what you actually spend some months) $75 gym: $50, and you should probably keep this since you'll need a reliable place to shower household goods: $50 dog expenses: $150, should probably keep this but consider increasing it. A healthier dog with a nicer coat is more likely to attract women and you'll need all the help you can get after your girlfriend dumps you and every woman on OKcupid finds out you're a barnacle. $150 is probably low considering that vet costs can balloon wildly. emergency fund: $300 (you should be saving 10% of your take home, especially if you are going to essentially live outside) business expenses: $100 (I am skeptical of this amount) internet: $50 Can you do your small business without a reliable internet connection? If you don't have one at the boat, do you think your restaurant spending or fuel consumption will increase? phone: $45 vacation: $200 Netflix and Hulu: $18 clothing: $50 That gets us to $2730/month, assuming you manage a 20 year loan at 6.5% w/$8k down ($2835 if you get a 10 year), that insurance on the thing is only $100/month, propane/water/electricity are cheap, and doesn't take into account fuel for your car or for your boat. Should any of those numbers change significantly, there goes your proposed savings and probably means you can't even make your nut every month. This doesn't take into account any winterizing costs for your boat, maintenance/repair/upgrades, license/registration, or required safety courses. It also leaves out any spending on gifts/charity. If every cost is as stated above, AND your boat and car run on fairy dust, you're looking at $370/month of breathing room to get on that boat (without side income). That's a lot of ifs. Also, regarding your side business, if you're not doing everything you're supposed to be doing tax wise, Uncle Sam might hit you kind of hard on that. Hopefully you are, but if you aren't, there's another expense you haven't accounted for. The amount that you budget for your car is very low; assuming you get quarterly oil changes at $40 a pop on your newish (God I hope) car, that leaves you $360 a year for other repairs or expenses like tires or mechanical problems. If they haven't come up yet, they will. It probably doesn't even pay your deductible should you get into an accident. I assume you need that vehicle to get back and forth to work and buy real groceries instead of convenience store poo poo, so absent all of your current car costs, you would probably pay more for food and various other goods if you didn't have your own vehicle, not to mention public transit costs. You have to renew your driver's license periodically (maybe yours is good for 20 years) but odds are you have to put tags on your car every year. This also assumes that you have no medical bills ever, or that your current contributions cover them as they come up, which is optimistic. It's also something that will disappear if you lost your job. If you are +/- 20% of your budgeted amounts for some things every month, you need to adjust your budget or you need to control your spending. You shouldn't even be considering this until you have enough for a proper down payment (ideally buying the fucker outright, but you'll see that as being impossible) AND having 3 months living expenses saved. Maybe it would help you to have your poo poo in order to think of it as buying an actual house; people who just decide they'll make it work without having their books in order tend to face foreclosure a lot. e: also you are saving $0 for retirement uuuuuuuuuuugh BonerGhost fucked around with this message at 20:51 on Dec 18, 2015 |
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Dec 18, 2015 20:38
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OP why isnt your girlfriend helping you fulfill your dreams
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Dec 18, 2015 20:49
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