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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > The Live aboard dream right out of college?
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Topic Review (Newest First)
04-07-2012 02:57 PM
Sublime
Re: The Live aboard dream right out of college?

Quote:
Originally Posted by DRFerron View Post



Others more experienced with boat loans (we don't have one) can chime up but it's my understanding that you'll be hard-pressed to find a bank to give you a boat loan for that small an amount and almost definitely not for an older boat. Other options people have suggested for those in your situation are lines of credit, but you need to own a home, I believe, for that.

He may be in a situation where it's better to get a boat that needs some work that he can pay cash for. It'd be more expensive in the long run, but it'd get done.
It's a buyer's market. If he's patient and uses good resources (auctions and things), he could get a boat with good bones for cheap. As he lives on it, eating bologna and cheese, he can do upgrades and repairs until she's ready and shove off.
04-07-2012 02:55 PM
CaptainForce
Re: The Live aboard dream right out of college?

'great post by Joethecobbler! I still find it tough to draw the line between those that "go" and those that "don't". I guess it's because I don't know to which group I belong. Fresh out of college, my wife and I bought a sloop to live aboard and sailed to Florida, but we needed money and raised two children and stayed employed for the following thirty years. We continued to live aboard successively larger boats and we cruised to the Bahamas in the summers. For the last ten years we've been cruising from Maine to the Bahamas or Keys on our boat and off to the Nile, Amazon, Ireland and the Galapagos on other peoples boats. This coming June we will have lived aboard for forty years. Did I "go" or did I "not go"? ......I couldn't say. Take care and joy, Aythya crew
04-07-2012 01:13 PM
joethecobbler
Re: The Live aboard dream right out of college?

I've been reading these posts for a few years. Not nearly as long as I've been sailing.
I'm always amused at the sources of the advice given to "newbies" from the posters here.
From purely the perspective the internet provides, I , as many here, have developed a presumption of the individuals that post. Or in other words , I've wondered if the impressions I get, from the opinions expressed, are true representations of what I think the people whom post are "about"
I'll attempt to clarify what I am attempting to expound, or express.
It seems that there are essentially 2 camps when the question of cruising/sailing living aboard. I know, this is a generality, bear w/ me.
1. the go now crowd.
Basically, go now, life is too short, just do it, etc.
2. the don't go now crowd.
self explanatory- your not able,ready, well heeled enough, you can't afford it . Go the traditional work- save -retire approach.
I've often wondered if I met a "sailor" from either group, if I would or could Identify them by their appearance or general demeanor.
Granted, each approach has it's merits.
If you go now , the advantage is - immediate gratification and success or immediate failure and sorrow.
If you choose the "wait till later" the advantage is a greater percieved advantage of success and happiness after a life of conservative working and careful saving and planning. the downfall being the lack of a guarantee that you'll live that long or hold the dream throughout your "working and saving years" to achieve your "dream" of sailing/cruising .

I state this above to set the stage, to explain partly, how I chose the "go now" approach.
My personal experience when initially contemplating the Cruising/sailing life was that those who encourage the "go now" approach were often the risk takers and the ones whom you met "along the way" to somewhere else.
I would meet them as a young boy as they transited the fingerlakes region of NY along the Erie canal on their way to or from the great lakes to the hudson and beyond.
These folks fascinated me and their stories of travel and far away places called to me like a sailor's song .
The folks I met that fit into the "don't go until your ready/older/more experienced crowd" were the ones I more often than not met every summer, tied to the dock at the numerous marinas in the region.
These folks lived a more traditional lifestyle. Some traveled once or twice to waters outside the area. Always intending to return to there land based homes/jobs/lives and conventional trappings.
These were also the ones who convinced me that the "others" (the vagabond traveling types) were foolhardy or posessed qualities that I neither had nor could possibly obtain w/out years of "experience" from none other than those NOT doing it.
Unfortunately I heeded there unfounded fears and delayed my own desire to cruise for years, until finally casting off.
Now decades later and many thousands of miles under a number of different vessels both power and sail, I know that those who said that I could not "do it" were merely expressing there own insecurities and lack of knowledge having never done it themselves.
Speaking from actual experience of doing what the OP desires to do is that the single biggest impediment to success is yourself and self doubt instilled by naysayers and those attempting to speak from experience they sorely lacked.
or to put it more plainly,
you can "do it" in and open canoe if you are lucky, bold, and pick the right weather windows !

Let us not make this any more complicated than it is.
Man has been sailing big oceans in small poorly equipped vessels to unknown and uncharted areas long before written history had the opportunity to record it.

you wanna sail or tell stories at the dock about things you'll never personally experience ? See you as I'm passing through.
04-06-2012 06:58 PM
bljones
Re: The Live aboard dream right out of college?

Quote:
Originally Posted by skyreep View Post
Well, I was thinking about it, and I think you guys are right. For one thing, I don't wanna spend over 10k. And if I can find a 36 or 38, that's fine, but I think I'd settle for a 30 or 32 that's in good shape.

As far as circumnavigation, I don't think I really have a problem chilling in the Caribbean, gaining experience, and contemplating a live aboard profession that I can save up for a nice 45' with, when I'm ready to try my hand at transoceanic.
I knew I liked this kid.

Skyreep, given my choice between a long, cold voyage across the featureless Atlantic , where the log entries either consist of notes on boredom or hell's broken loose terror, and waking up each morning trying to decide whether to stay acnhored off this sunny rum-soaked island or sail to another sunny rum-soaked island, I'll take the caribbean any day of the week
04-06-2012 06:27 PM
skyreep
Re: The Live aboard dream right out of college?

Well, I was thinking about it, and I think you guys are right. For one thing, I don't wanna spend over 10k. And if I can find a 36 or 38, that's fine, but I think I'd settle for a 30 or 32 that's in good shape.

As far as circumnavigation, I don't think I really have a problem chilling in the Caribbean, gaining experience, and contemplating a live aboard profession that I can save up for a nice 45' with, when I'm ready to try my hand at transoceanic.
04-05-2012 03:26 PM
Squidd
Re: The Live aboard dream right out of college?

Oh no...He asked and now he's locked in...He Has To follow our advise...

None of this going off and doing your own thing here...
04-05-2012 02:13 PM
CaptainForce
Re: The Live aboard dream right out of college?

Skykeep, Let no one stomp on your plan to do more with the best boat you can get for the least money. That's the same plan for most everyone here and nobody should be surprised! I'm also sure that you are not surprised that you will need support, money, wisdom, hard work and some time. There's plenty of practical advice here for specifics, but little worthwhile among the philosophies of stay, go, wait, learn, buy now, save, and zen-sailing. You have your plan and you can adapt. Take care and joy, Aythya crew
04-05-2012 01:07 PM
rockDAWG
Re: The Live aboard dream right out of college?

Quote:
Originally Posted by MedSailor View Post
Recommended reading:
Obviously, there is a huge generation gap here.
Before he reads yours, may he should read this:



First You Have to Row a Little Boat: Reflections on Life & Living by Richard Bode - Reviews, Discussion, Bookclubs, Lists


Quote:
Originally Posted by skyreep View Post
It's important to me that I sail my boat to the places I want to go, whether it be the Mediterranean, the Caribbean, the Red Sea, or across the Atlantic, I want to be able to say I've circumnavigated the globe in my own vessel. Also, if I'm on my vessel for two years in port, I want to be comfortable, I mean, not 53' comfortable, but I don't think my significant other and I could keep our sanity in port on a 27'.
It is good that you dream big. Unless you have rich parents or wealthy a in laws, let focus on your career first. Life sucks if you have to live pay check to pay check, pay back the bank loan year after year.
04-05-2012 11:34 AM
DRFerron
Re: The Live aboard dream right out of college?

Quote:
Originally Posted by skyreep View Post
I think I'd honestly go with a blue water of comfortable size. I never actually stated I wanted to spend less than 10k, ...
You kind of did, and even implied that you wanted to spend less:

Quote:
Originally Posted by skyreep View Post
Is the idea of finding an impounded boat for a couple thousand feasible? The savings are good to go, with more than enough, and Basic and AIT will give me $9,000 ish. But of course, I'd rather not spend all of that.
As for this:

Quote:
Originally Posted by skyreep View Post
true I only have about that much but I feel confident that I could handle a boat loan. When I say I don't want to spend to much, I mean I don't want to be unrealistic and think I can afford a 100k boat without being in debt for many years, whereas, I think I could probably handle payments on a 20k loan and have it paid off well before I'm 30.
Others more experienced with boat loans (we don't have one) can chime up but it's my understanding that you'll be hard-pressed to find a bank to give you a boat loan for that small an amount and almost definitely not for an older boat. Other options people have suggested for those in your situation are lines of credit, but you need to own a home, I believe, for that.

Quote:
Originally Posted by skyreep View Post
It's important to me that I sail my boat to the places I want to go, whether it be the Mediterranean, the Caribbean, the Red Sea, or across the Atlantic, I want to be able to say I've circumnavigated the globe in my own vessel. Also, if I'm on my vessel for two years in port, I want to be comfortable, I mean, not 53' comfortable, but I don't think my significant other and I could keep our sanity in port on a 27'.
If compromise isn't an option, it just might take a bit longer to get to the Med. Eventually, I'm sure, you'll get there if you are persistent and creative.
04-05-2012 11:19 AM
skyreep
Re: The Live aboard dream right out of college?

I think I'd honestly go with a blue water of comfortable size. I never actually stated I wanted to spend less than 10k, true I only have about that much but I feel confident that I could handle a boat loan. When I say I don't want to spend to much, I mean I don't want to be unrealistic and think I can afford a 100k boat without being in debt for many years, whereas, I think I could probably handle payments on a 20k loan and have it paid off well before I'm 30.

It's important to me that I sail my boat to the places I want to go, whether it be the Mediterranean, the Caribbean, the Red Sea, or across the Atlantic, I want to be able to say I've circumnavigated the globe in my own vessel. Also, if I'm on my vessel for two years in port, I want to be comfortable, I mean, not 53' comfortable, but I don't think my significant other and I could keep our sanity in port on a 27'.
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