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Good input thanks. For me banking is as simple as I can make it, direct deposit for income, and as much as possible direct transfer payments out, I write VERY few checks anymore what with debit cards and some credit card use. As long as I can get to an internet connection I can access the bank accounts.
I can pay cash for a boat, but looking at the YW lists that would be buying one and doing a several year refit, doable, but not my preference, a fairly small loan would give me more boat with a shorter refit list. An answer might be a smaller boat, most cash down with a small loan. Lately have been looking closer at the 37's because of that.
Yes, I've been on a number of boats, but most all wooden boats, I fell in love with a 37' wooden ketch. But the owner is probably going to live to a 110. Hope he does. Also as it happens my sailing experience has been on wooden boats. So these frozen snot boats are a pretty new world to me. I have seen several projects that look intriguing/attractive, but are certainly going to need a survey prior to making any kind of bid. This is one reason why plans are once this place is sold to get a RV trailer and hit the road looking at boats.
I am looking down the road for a pond crossing but mostly its as a live aboard and cruiser. I am fairly sure I'll be doing a couple years shakedown coastal cruising before trying a passage east.
What I am trying to do with all of these posts is to build up a mental or real checklist to evaluate boats when reading about them or looking at them. As someone else once said here brokers are stressing the cosmetics and leaving out the nice things like condition of thru-hulls and general sea worthiness. I will be a surveyors shadow on any boats I make a bid on. It'll be well worth the extra money to have him explain as he goes along.
I totally agree that the general feeling on stepping aboard and ambience is a major factor, but it can also cause us/me to gloss over some things that I shouldnt. I for one really have to be cautious on that.
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