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Get a really big box and live in that. It'll have about the same level of insulation and you can prop it up anywhere you want. Plus your dog will love it and you'll smell about the same level of bad as if you lived on a boat instead
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Oct 26, 2015 16:12
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It sounds like 20 year leases for a boat are a real thing but the idea of someone having one is really funny to me.
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Oct 27, 2015 15:55
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Why doesn't your girlfriend support your decision? Doesn't she understand that you've already thought through everything
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Nov 3, 2015 18:18
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BaseballPCHiker posted:The marina has these wall coverings that look like windshield shades or the inside of a pizza delivery bag that go on the boat walls for winter to help keep you warm. Dang living in a floating pizza delivery bag during the winter sounds cool as heck, kinda jealous now OP.
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Nov 4, 2015 16:53
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That romantic feeling when you're heating up hot pockets on top of your space heater for you and the misses on your boat shack
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Nov 6, 2015 15:29
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Why buy a boat when you could save even more money by building your own!
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Nov 9, 2015 15:26
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CellarDweller posted:How hard do you think it is to repossess a houseboat? How hard is it to sell a houseboat after you repossessed it? I would guess that houseboat loans really are not any better than unsecured loans from the bank's perspective. If you tie your boat up just far enough away from the dock that they can't jump to it then the repossessers can never get you!
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Nov 18, 2015 15:27
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BaseballPCHiker posted:
what about the other 10%
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Nov 18, 2015 15:58
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Just build your own boat dude, the savings will be immense.
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Dec 7, 2015 16:27
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oxsnard posted:That 11 percent interest will eat up p much all of your Salty Sea Wench budget imho OP have you considered what you'll do if you get attacked by Minnesotan pirates??
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Dec 8, 2015 14:48
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spwrozek posted:Boaters courses are typically only required for 12-17 year olds. I am pretty sure that is the case in MN. It may get you an insurance discount, like a defensive driving course. It is most likely not a requirement though. If you're gonna live on a boat it might be a good idea to have taken a safety course regardless of the requirements. But paying for one would cut into the savings!
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Dec 8, 2015 17:10
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OP have you considered asking your GF to cosign a boat loan
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Dec 8, 2015 18:06
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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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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 why isnt your girlfriend helping you fulfill your dreams
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Dec 18, 2015 20:49
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MrKatharsis posted:The OP could dig a sweet little hobbit cave complex down there if he had enough shovels. and think about how cheap the rent would be!
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Dec 21, 2015 14:32
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Can you just get a RV and attach pontoons or pool noodles to the sides to turn it into a houseboat?? I just read an article in the WSJ that said there is a big market right now for cheaper RVs for the younger generation
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Jan 5, 2016 21:26
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OP could buy one of these RV Boats and ditch his car in the process. The savings potential here is incredible.
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Jan 6, 2016 17:26
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You should definitely lie to your insurance and get commercial insurance for your personal home
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Jan 11, 2016 16:48
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BaseballPCHiker posted:The way it was explained to me is that it's not lying if I do use it for a business purpose. So if for example I do some "offsite" backups I could justify owning the boat as a business expense for that. I could also claim it as an office and not take the home office deduction. This was a real CPA not some backwater dock accountant either who I met with. You're using it as a primary residence and not "offsite backup" so yea its lying and if/when your insurance finds out they will dump you and/or fine you! He's a bad CPA
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Jan 11, 2016 17:12
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Veskit posted:Hey BaseballPCHiker came here to get help and receive answers, not have more problems be made so lets brainstorm some businesses that are above water for him. OP could probably hire a local starving artist for pretty cheap to mock up some BUSINESS SIGNS and business cards to prove that his boat dog daycare and server business is legit.
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Jan 11, 2016 17:37
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Veskit posted:I got it, he spends an hour a week, tops, fishing off his boat. Catches fish, gives it to charity because he's set up his boat business as non profit, EVERYONE WINS The potential savings here when you get non-profit status are incredible. He can hire his dog and girlfriend as "employees" and pass money through them to get nice tax breaks.
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Jan 11, 2016 17:45
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BaseballPCHiker posted:The only thing I'll have to worry about really is the occasional mechanical issue and creature comfort concerns like heating. Have you put any thought into what business you are going to tell your insurance your boat is for
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Jan 14, 2016 15:52
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BaseballPCHiker posted:You are right about not having enough money to buy it in the first place though which sucks. I have enough that with PMI I could probably go buy a house but the bank wants to be lame and not play ball. Yea but that was before when you were trying to buy a box boat as a personal residence. Now that its a ~~BUSINESS BOAT~~ you can go in for a business loan
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Jan 14, 2016 16:55
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Veskit posted:Why can you insure an entire boat when you're only using a portion of it for insurance. Are you 100% positive you can insure the entirety of asset of the boat even though only a % is on the books? He said he was going to tell the insurance it was an entertainment boat solely used for his business and Im pretty entertained so checks out to me.
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Jan 14, 2016 16:58
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r0ck0 posted:Have you tried going to a loan shark? Boats and sharks have historically never gotten along so I think this would be a great white waste of time for the OP
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Jan 14, 2016 17:21
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BaseballPCHiker posted:I wont own the boat my corporation would own the boat. I really want to know what your boat company is going to be called and what the fake business will fake do. Please report back if you come to a decision about these.
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Jan 14, 2016 17:30
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Droo posted:Everyone is telling you to go for it and that it's a great idea. Why haven't you bought it yet? The one trick to cutting your rent that landlords don't want you to know about!
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Jan 14, 2016 18:16
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Pick posted:I feel so, so, so bad for this dog, which is going to die in the cold. Good thing businesses can recognize losses
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Jan 14, 2016 22:08
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r0ck0 posted:He could use this same idea for getting a boat loan. Simply apply for a house loan, get the paper work all filled out and then insert "boat" after "house". Maybe he could also just get a smaller loan and photoshop in a few 0's until he has enough to buy a boat
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Jan 26, 2016 07:40
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I'd vote on naming the boat Icarus but that might be stepping on Slow Motion's territory.
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Jan 27, 2016 15:01
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OP have you considered faking a law degree for your dog so you can have it make you a lawyer letter telling the bank they have to give you a loan or they will go to jail
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Jan 27, 2016 16:30
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Foma posted:what about hitting up lending tree or some other peer to peer lending for boat moneu=y Or maybe a bunch of different payday loan people and use the incredible savings OP is going to have to repay them
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Jan 29, 2016 14:41
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slap me silly posted:That's because it's hard to see under water! Haha BaseballPCHiker posted:It will probably also need the roof to be re-waterproofed or whatever the hell one does to a houseboat roof. Can you just put a tarp over it or something? Maybe leave the winter bubblewrap stuff on it all year round to keep the rain out
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Jan 29, 2016 16:11
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detectivemonkey posted:Please learn what this is before you buy the boat though. He's already figured out how to have high speed internet on the boat, he can just google it later once he owns the boat.
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Jan 29, 2016 17:34
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The Lord of Hats posted:As a fellow Twin Cities resident, I feel the need to make clear to people in this thread that while this is far from the worst winter I've experienced (it actually got started weirdly late), it is still goddamn cold out. He is going to be freezing his rear end off in a houseboat and unable to rent anywhere because of the shenanigans he pulled, but it's all going to get better when he gets convicted of insurance fraud. His accountant said it was an okay thing to do so I am sure he will be completely fine.
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Jan 30, 2016 02:37
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BaseballPCHiker posted:Well all you Debbie Downers ought to be pleased as punch. No boat for me this weekend. I went and took a look at it and it was pretty solid, better than I thought actually. Just dirty and filled with crap on the inside. The inside cabin definitely needs work to make it look nice but is livable as is. Unfortunately the guy is desperate for money and wasnt willing to work out a payment plan even with 1/4 down. So now I have to really scramble to find something or end back up in another overpriced apartment. But renting isn't going to build the boat equity you wanted and you can't resell a rented boat.
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Feb 1, 2016 16:31
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detectivemonkey posted:You don't seem to know that much about boat maintenance, so what are you looking for to make this determination? He asked a few guys that were hanging around the marina
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Feb 1, 2016 17:42
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The next time Im in the twin cities I hope to see your houseboat floating along while you live your boat dreams
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Feb 1, 2016 17:54
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| # ¿ Apr 28, 2024 08:55 |
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OP have you considered getting a submarine instead? That way you only need to pay docking fees when you come ashore and you won't have to worry about ice forming around your hull in winter.
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Feb 2, 2016 14:54
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