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  #21  
Old 04-10-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Funny how the perspective of those without the debt is different... Yes a lot of people our age got into university with bigger loans, but that was based on the (questionable) fact that has been drilled into us since day one in elementary school. That is that without post-secondary education we'll be flipping burgers forever.
So the choices are get the loan because it's worth it for the better income you'll have with it, or don't and never make a decent wage.
Not a gun, but a decade of hearing the same message programs it in there pretty good unless you're the really contrary type.

As an example, a friend of mine finished a 5 year degree about a year ago, when he was in first year every single grad of that program landed a good job, the average paycheques were actually reasonable to live on in this city too.
When he graduated, the top 3 got hired, and the paycheques were nothing to write home about, barely enough to pay rent on a basement room somewhere, a bus pass and the loan payments.

When you are told all along that you will get a certain result in exchange for that debt you are assuming for several decades, and then the rug gets pulled out from under you and you are told you're really no better off than the ones who didn't, and in fact are worse off. Yes you sign up, and you take your lumps, but when you were told you had no choice if you wanted to create a good future, and then find out that it wasn't really as advertised, that can be a bit frustrating.

I don't have that problem, nobody in my field makes much, if I can pay off the loan and have a boat I'm happy enough. I don't expect any of that to come as a result of my degree when I'm done though. I walked in eyes open knowing it wouldn't pay off to get a degree. It was important to my parents that I get a degree, so I'm less unhappy than those who expected something to come of it, but telling people who signed up for something that's stopping them from what they want to do, possibly for life, based on a decade of false promises is a bit rough.

I second the notion of looking for work you can do from the boat, you'd be amazed at what turns up, even if it's not in your original field. I'm expecting in the next 5 years I'll be able to make the transition to making my living from the boat. Downsides are a restricted area of travel, but no commute and no car, and a lower cost of living will help even that out.
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Last edited by Jgbrown; 04-10-2012 at 10:54 PM.
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  #22  
Old 04-10-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Peter and you did have a reef in the main when you were out there in 25+ winds?
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  #23  
Old 04-11-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

I am no one to lecture you on financial stuff, but do your very best to make every effort to pay these loans back. I am lucky enough to have a boat but about 5yrs ago my business failed and the debt has been following me like the grim reaper....every effing thing I tried the debt got in the way , that included getting a better job! I decided to do the right thing, i my mind, and not file bankruptcy...hind sight, wrong decision because I would be alot further ahead today if I had, but we all live and learn. I unfortunately had to learn the hard way. Its tough out there, LIVE DEBT FREE. Only buy what you need! Living with debt sucks! Luckily on my current track I will be debt free soon, everything and everyone paid back....when I say soon, 2-3yrs. And i will then be in a position to start cruising.

Lots of great advice in other posts too. My wife and I are doing what others recommended to you. Cruising the Chesapeake, on a strict budget. I usually work side jobs prior to our planned cruise for the cash to go. Daysailing costs us almost nothing. Yes we have marina fees and that too sucks but I have to live and need a place to keep our future home.

with all this said, you are young and in a position to set yourself on the right track in life. Listen to all these guys. they dont even know you and are giving you good sound advise. These guys care more than 99% of the people out there, so do yourself a favor and listen to them.

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  #24  
Old 04-11-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

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Originally Posted by deniseO30 View Post
Peter and you did have a reef in the main when you were out there in 25+ winds?
Two and a working jib, but the wind was almost too much, got caught aback and blown way over, a near knockdown had to climb straight up to get to the sheet... Most fun I've had all winter

Last edited by peterchech; 04-11-2012 at 02:08 AM.
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  #25  
Old 04-11-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

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Originally Posted by Jgbrown View Post
Funny how the perspective of those without the debt is different... Yes a lot of people our age got into university with bigger loans, but that was based on the (questionable) fact that has been drilled into us since day one in elementary school. That is that without post-secondary education we'll be flipping burgers forever.

...

It was important to my parents that I get a degree, so I'm less unhappy than those who expected something to come of it, but telling people who signed up for something that's stopping them from what they want to do, possibly for life, based on a decade of false promises is a bit rough.
Oh grow up! Life isn't perfect. You make your choices and then you live with them. And as bljones pointed out there are always choices (mine was 'b' btw, work ft, school pt, took me 7 years). It is definitely possible to get through college without accumulating a mountain of debt. If that's what you choose to do however, own up to it.

Also, blaming others for the choices you made and using that as a rationalization to turn your back on your responsibilities and just go do whatever the f*%# you want to is a cop out. Geez, the sense of entitlement this generation has is beyond belief.

And who says I don't have any debt? I'm currently putting one of your generation through college (a private school, no less) so debt and I are no strangers.

Oh, and while I'm at it, GET OFF MY LAWN!!
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Jones & Foolhardy, While I don't disagree with you that the decisions we make are our own and we should live with them, It's not possible to get through college without debt. Maybe not a mountain, but enough to keep you tied down for a while. It's hard to find any full time job, even at $8 an hour, so to think you can just get a job and make enough money to pay for a semseter in a reasonable amount of time is unrealistic. Average college is over 20,000 a year, so you'd have to make 30,000 a year to eat, live, and go to school. Good luck finding a 30,000 a year job with a graduate degree these days...
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  #27  
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Wow I really didn't expect this thread to get so political...

I'll just say this in answer to some of the vitriol. I went to state schools, undergrad and graduate. I worked full time throughout both while going to school full time as well. In fact i have always had a job since i was 14 years old, and i now work about 60 hrs a week.

This idea of "working through college" isn't as easy as it may seem, or may have once been. Finding a well paying job w/out a college degree is almost not possible. U can barely make enough to live on let alone pay tuition entirely ur self. That is just how it is. I challenge u, how can u pay for college, and ESP grad school, while working full time, at say $10/hr? The math doesn't add up. I guess my generation did have a choice, we could have just not gone to college, gave up any hope of having health insurance or being in the middle class, true, We all had that choice if u want to call it one...

These kids these days are just so entitled feeling I guess, not like all u older guys who, in the old days worked hard, walking uphill both ways to work, no, unlike you this generation is clearly just lazy and entitled. Clearly... Feel better about ur self now that u expressed that opinion? We are paying for ur social security and Medicare, programs which may not be there for us, because of the colossal mismanagement of the economy by your generation. Your generation cut taxes on the rich without paying for it, mismanaged medicare and social security (programs which have worked for decades), incurred tremendous national debt, got lots of young people killed in needless wars incurring even more national debt, slashed aid to schools and investments in higher education, deferred maintenance on our crumbling infrastructure, destroyed unions and the possibility of a good job without a college degree, I can go on and on. And now you expect us to clean up your mess and accept the fact that even though we have been paying for your Safety net our whole lives we shouldn't expect to have one ourselves. But sure, you weren't lazy like ur entitled kids are, you should feel so good about yourselves...

And btw, to answer some sarcastic posters here, if u follow my posts, u will see that I picked up my boat for $1200, I have done all my own work on it (a considerable amount) and I share marina fees with two other people so, giving up this great passion wouldn't exactly get me much closer to being debt free...


Haha ok I will say no more, sorry for being on ur lawn

Last edited by peterchech; 04-11-2012 at 10:12 AM.
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Old 04-11-2012
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Quote:
Originally Posted by Jgbrown View Post
... that was based on the (questionable) fact that has been drilled into us since day one in elementary school. That is that without post-secondary education we'll be flipping burgers forever.
So the choices are get the loan because it's worth it for the better income you'll have with it, or don't and never make a decent wage.
Not a gun, but a decade of hearing the same message programs it in there pretty good unless you're the really contrary type.

.
Hate to intrude on your self-absorption bubble, snowflake, but MY generation heard exactly the same message... in 1986.
When interest rates on student loans were 14-18%.
and the average annual salary was $30 000.

Yes, you need a degree today, but you don't need to take out a loan to pay for it. Take 7 years to get a 4 year degree, pick up a trade in the meantime to pay for it and carry you through the job search after getting the degree, and you will still be ahead of your peers, since you will actually be able to afford to do the things that you all dreamt about doing before you turned 30.


While web developers are watching their job prospects disappear as the jobs get outsourced, they still need to be able to take a dump, which is why plumbers are making $100K.
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

Jones, college is way more expensive in relation to the annual salary than in was in 1986. That's a national average fact. And again you can't make enough in a year to pay for a year of college even if you "pick up a trade" there aren't to many people are willing to hire you and teach and pay you a good wage...
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Re: Cruisers: what kind of trips can be made by non-bluewater boats in a weather wind

I would also argue that kids shouldn't just blindly go to college these days. They should figure out what they want to do by living in the world first and then persue it. There are so many things that one can do without a college education and in many cases make more money doing it. I think trade school is way more bang for your buck!
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