The Cat 30…how I decided on a powerboat over a sailboat.

About a month ago I was still set on buying a sailboat as my liveaboard home.  It had been over a month, at least, since I put in an offer on a great boat and then learned the reality of getting a loan.  I was bummed, but had already taken steps to get more money saved.  I sold my Mustang and entered the world of riding a scooter for transportation…which is awesome by the way.  I found an add on craigslist for a 30 foot Catalina.  I forget the year, but it was newer for the budget I’m working with, probably late 1980’s.  I reached out to the owner, she gave me a detailed reply.  I contacted my broker, asking if he could come along.  I was hesitant to ask him because this boat was selling by owner, not through a boat brokerage.  So we worked out a fee for him that I would pay directly if the sale went through.  After a couple more emails to the boat owner, and a few hours spent scanning the posted images imagining this boat as my new home, we set a date to view the boat.

First thing; I had seen one of this boat owners boats before.  The very first sailboat I saw was one of hers.  I remember it being small and having a laundry list of “fixes” she had done.  I don’t know enough about the inner workings of  a boat to say whether they were good or bad ideas, of it that’s just the reality of boats as they age, but it was odd.  Upon realizing I would now see another one of her boats I was already disappointed.  We went down to see anyway.

The boat was what it was.  Small, decent shape and somewhat patched together as far as internal operations.  The v-berth is tiny, so if I sneezed in bed I’d knock myself out.  Limited galley, decent head, small salon.  I couldn’t live in this.  But since my financing was limited, I wondered if this is just what I’ll have to get.  The boat was on a slip at hotel marina, which means I’d get full use of their pools, hot tubs, gym, spa and discounts at their restaurants…kind of cool.

A lot of this process involves compromise and balance, and reality.  What can I afford?  How far is it located from work?  How small is too small?  What do I want out of this?  How often will I take the boat out?  With all of these questions bouncing around, and the ever looming idealistic delusions of grandeur, it’s important to ask questions and take time to analyze.  A lot of decisions I’ve made in life were impulsive or fast, done with little research.  Some were great decisions, some not so much.

Long story short, the boat was too small.  As we left, Brent (boyfriend) and Jason (broker) brought up power boats…for the millionth time.  I’d been dead set on a sailboat…the charm, the skill, the freedom from gas reliance.  But this was the last sailboat I’d see (except for that weird catfisher).  With a power boat I’d have a newer boat, more room and most likely an easier time getting around for my newbie, minimal boating needs.  I’m not traveling the world.  I can still take my sailing classes.  I can buy a sailboat down the road when I have more skill and can take a week or two or more off to travel.

That’s how the decision was made from sail to power.  A little part of me felt down, but I’m about 10 days away from owning my first boat, and the future is wide open(you have a Tom Petty song in your head now don’t you?).  I’ll be in a great marina closer to work, at another hotel (resort actually (; ), the dockmaster is wonderful, I’ll be in the smaller bay which has both my sail class school and Brent’s job…we can dinghy him to work, and maybe a cocktail or two.

That’s my story of sail to power.  Now all I need to do is figure out how to drive the thing ;).

Thanks for stopping by, hope you’re all having a great day!

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Fast forward to an Express Cruiser…

Greetings from the worst blogger of all time.  Tomorrow is my survey and sea trial.  I’ll make a bunch of posts documenting whats been going on, but…I am very close to having a boat.

I’ve looked at a lot of sailboats.  I was set on owning a sailboat.  I’ve been enrolled in classes, bought a book about knots, watched all kinds of sailing videos on youtube, you name it.  The charm and opportunity of sailing free of reliance on purchased fuel and connection to the rest of the world felt like the right choice.  Unfortunately, I don’t live in a book or a movie.  I live within my income and debt.  So, I have to work with what I’ve got.  After seeing another disappointing tiny sailboat (if I sneezed in bed I’d have a concussion) my broker and boyfriend said for maybe the 100th time that I should check out a powerboat.

So fast forward to about 13 hours from now I will have a boat named “Si Yes Da” surveyed and hauled out.  She’s a 1991 31ft Sea Ray Sundancer.  Keeping my fingers crossed!

Recap of the process to follow.  Yes, I do a lot of things out of order.

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From Mustang to Scooter….

In an effort to save up more money for the boat I’ve sold my car.

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I had the Mustang for over 8 years.  I figured it’s better to sell it now and get a decent amount for it rather than wait a while.  It’s weird, I feel like I still have it but am just not using it.  I’ve had a car for the past 20 years and now I’m driving a scooter…weird!

And here is the little scooter…img_2928

It’s a lot of fun!  Every day is a little adventure.  I’m finding new ways to do simple things that I used to take for granted.  Exercising the old brain parts!  It’s an older model, a 2005.  Gas costs me about $8 a week at most.  Insurance is $38 a month, and that is for more coverage than I even need.  I’m thinking about putting some little design on the front, maybe a mariachi themed pattern?

With this little scooter I can always park pretty much right in front of wherever I’m going.  And now I’m having fun making some crocodile leg warmers and wrist warmers.  Of course, if I didn’t live in San Diego this would be a lot more challenging.  I felt a little odd making the change, but then I realized that the whole car culture in America is a little out of control.  I’d rather spend my money on other things…like a boat, instead of blowing thousands on insurance I’ve never used (20 years with Allstate, not a single claim).  I also remember my trips to Europe where so many people use scooters or motorcycles for everyday transportation.  So I’m embracing and enjoying the switch!

Boatwise…I’ve found this goofy looking catamaran called a “Catfisher”.  It’s odd looking, but I like it!  Haven’t gone for a proper viewing yet, but maybe next week.  I am curious about the difference in slip fees for a multihull boat.  I really hope by Halloween I’ll have a boat.  I can technically afford some boat on craigslist out of pocket alone, but I’d rather spend a little more with a loan since this is going to be my home for the next 5 years at least, and I’m a newbie, so I don’t have enough knowledge of boats ins and outs.

Heres the catfisher…5948174_20160923102429181_1_xlarge

It’s a 1985 and is listed for $35,000.  Maybe this will be the one!  There’s a nice layout below the pilot house for the living area.  It’s goofy but functional, like me! 😛

Hope you are all doing well!!!

Thank you for stopping by,

-Eileen

 

The road just got a little longer…

Just got off the phone with a boat loan company.  They need 30% down…which I don’t have.

This whole dream may not happen.  Kind of feels like a lifetime of bad financial decisions (college) and mediocre employment have caught up with me.  It’s beyond frustrating.  These stupid college loans have been shaping my life since I graduated…yet the education isn’t.  I know that there are a bunch of sites and articles and petitions about this topic, but nothing gets accomplished.  I’m almost 40 and I have a ridiculous amount of loans which only go up in amount despite my paying on time every single month.  What’s the point?   The education is worthless.  The payments make no impact.  This is why I want to go to Mexico.

I’m someone who has always had at least one job.  I work all the time, and the job stinks.  I’ve been a server since I was 21, and in very nice places.  But it doesn’t help when you go to a bank no matter what you make…it’s part time and variable.

Not sure what I’m going to do now.  Pretty frustrated.  I still have sailing class this Sunday, and after I’ll start my cruising course.

Wait til next year I suppose…

Ya take the good, ya take the bad, ya take ’em both and there you have…

…the facts of loans!!

The boat that I put in an offer on countered almost immediately…only $1000 less than their asking price, which was $42,000.  I offered $35,000…I know, kind of low, especially considering the quality of the boat.  It’s my first time, and my broker said why not…if they go for it, great!  If not, we’ll go back and forth.

Today I went to the bank, a local credit union in San Diego.  I like this bank a lot, but since it’s a credit union, they are rather conservative on unsecured personal loans, or luxury loans.  They do offer boat loans…for 2012 and newer…the boat I’m looking at is a 1989.  So I would have to apply for a personal loan.  I’ve been saving, but it’s not much, maybe 10% of the boat price.  I don’t make a lot of money, and I have a lot of student loan debt.  I’ve got one Bachelor’s and one associates degree, and I got them in the less popular backwards order.  This schooling is very costly, and has never helped me find a career which pays well enough to pay the loans off.  My loans actually go up every month even though I pay on time, and have for years.  It’s like I’m being punished for the rest of my life by enduring financial ruin as a result of trying to take the proper steps to avoid financial ruin for the rest of my life.  Quite the quandary.

This journey is at the “for real” part.  I’m so close to getting this boat, but right now it seems impossible.  The amount of money I’m asking for in a loan is peanuts compared to what people in this area need for a home.  Maybe this route won’t work out.  I also don’t want to have my broker working on finding me a boat if I can’t get a loan.  It’s a shame that my credit score is finally in good shape, only a few points away from excellent.  Anything with money is always a battle.   Renting just seems fruitless at this point in my life, and owning a home is out of the question.  A house in San Diego starts at about $400k…yikes.

One good thing though, I was just hired at an extremely high end restaurant in La Jolla.  Kind of ironic considering these people spend what I need for this boat in a weekend.  I can’t tell you how many Bentleys I saw today.  Hopefully this job will pay more, it’s a server position, so it’s always a little roll of the dice.  I’m excited.  I’ll need to brush up on my wine regions and varietals.

Tomorrow is another day.  Hope to see you all out on the water someday!

One good thing, one not so good thing…

This past weekend concluded my “Keelboat 1” class.  It was great!  On Saturday we attempted to navigate our way out to the ocean, but a HUGE crew race/regatta type event was going on and we sort of hung out in a Heave 2 position for about a half hour.  The boat we had class on didn’t have an engine.  Here is a little map of the bay.  And since I have limited skills I didn’t figure out how to mark things on the map, haha.  The Mission Bay Aquatic Center is located on the green top left peapod looking point, the bottom portion.  So we sail a bit East into the bay, then South under the Mission Bay Dr bridge, then continue down to the channel and West to where I cut the map off, oops.  Screen Shot 2016-06-28 at 11.12.46 AM.png

The regatta group came pouring out of the larger cove right above the channel.  We said it looked like a clown car, there were hundreds of them!  And the one “referee/regulator” boats’ engine died…I’m not up on my regatta terminology, so I’m not sure what they’re called.  Since we lost time with that little hiccup we weren’t able to make it out to the ocean; class is only 3 hours and we have to take the boats back in.  The wind was almost completely out of the West that day, which can slam you right into the dock broadside if you’re not careful…hence our instructor docked for us.

Sunday was quite the day for me.  It was my last Keel 1 class, I had worked the night before until about 11pm, and had to then work after class at 6pm…which is plenty of time since class gets out at noon.  But, my boyfriends family was in town, and he thought it’d be a great idea to rent a hobie and I could get to know everybody by sailing around the bay.  That would have been a great plan if I had the whole day off and had more hours under my belt on the hobie.  I hadn’t rented one yet, and the last time I was on one was in class months ago with an instructor.  I needed to take my time rigging and making sure I had everything right.  Also, the family was across the bay, so I had to scoot over, beach, pick them up, then go out, and repeat.  The wind was so light and coming from the Southwest, which is a little odd, it’s normally a bit from the North.  It was so stressful for me, and I kept loosing speed on tacks because I didn’t have someone working the jib right.  Ugh.  I felt a little defeated.  There were pros out on their Hobies just zipping by and I was dead in the water.  A little embarrassing and frustrating.  I can see how it takes a lifetime to get this down.  I’m definitely going to practice a lot this summer.  I can’t rent the keelboats, but I think that taking the Hobie out will help me work on wind awareness and trim.

All in all, who can complain about spending 6 hours out in the sun sailing in San Diego?  Here’s to hoping I improve!

Hope you’re all doing well and enjoying your summer 🙂IMG_2587.JPG

 

J-24! And more!

Last weekend I started my first official Keelboat course at the Mission Bay Aquatic Center on Mission Bay in San Diego.  It was great!  I got to navigate us out to the ocean.  And thanks to a bunch of large fishing boats I now understand what wake can do to a sailboat…holy moly…it was a little wobbly!

I’ve also found a boat broker.  After having researched boats for sail on craigslist for the past year I think that having more resources on my side is a better choice.  If I already had a wealth of knowledge about sailing and boats I’d totally be fine buying a boat off craigslist.  This boat is going to be my home, and I’m still a newbie, so I’d rather spend a little more and have proper contracts and inspections.  I know that there are bad brokers out there, and they do get paid by the seller for their commission, but I think this is the right choice for me a this point.

So, we sail on a J-24 for class.  Apparently those boats are build for racing and handling.  I did a 360!   Our instructors are really great.  The class starts with about a half hour of instruction at the chalkboard, then we’re out on the boats rigging and off we go.  There’s a part of me that is thinking “ok, wait a second, we’ve never sailed this before, this could end in catastrophe, is this a good….oh wow this is awesome”.  That’s pretty much each course I’ve taken there.  They give you the info, have you rig the boat then off you go!  Apprehension is quickly replaced by happiness.  For this class the instructor is on the boat with us.  My boat had 3 students, and we just rotated crew positions.  Can’t wait for this class this weekend!

 

Hobie classes are underway!

Hello!!

I have officially begun my Hobie Cat classes at the Mission Bay Aquatic Center, man those things are fast!

We had 2 classes so far and now there are 2 to go.  They are 16 foot boats, and we have been going with 3 people to a team.  Jibing (gybing?) is really scary the first few times.  These boats have an awkward tiller that sort of goes behind the traveler when you tack or jibe.  It’s manageable, but a little messy to start!

Oh and did I mention that it’s a wee bit chilly out on the bay this time of year??  We all wore shorts and tank tops…then we all got doused on a good beat, and then shivered the rest of class.  This Saturday we have another capsize test, I’m not concerned with righting the boat, I just don’t want to freeze!  

Here’s a quick couple of photos. Maybe I’ll bring my fake go pro this weekend.

   
    
 

Hello from the Rolando Street Fair!

I’m a terrible blogger…

I haven’t had anything intersting going on in the world of sailing or potential sailing.  I have an interview tomorrow for a second job…maybe this one will work and I can save up for the boat!

Today I have a little space at a local street fair.  My first observation: this is a long damn day.   Holy moly, I didn’t realize what I was getting into!  We started setting up at 8/8:30 am.  This goes until 6pm…then we have to wait to get our cars pulled up to our space.   And I had about  5 hours sleep.   

My second observation:  I need more printed material!  Signs, photos of the products being used, clothing on a person…all sorts of things.  I tend wait until the last minute for everything, and today was no exception.  I could also use a couple of shelves or tables.   

Yet another observation: I should have brought a cooler with snacks and water.  Holy moly, I’m a thirsty reason.  And I also love snacks.

Here’s a photo of my little space

  
Well, that’s the view from my chair.  I’m exhausted, haha.  

I haven’t sold a thing.   Oh well, I’ll chalk it up to a learning experience.