Boating Tips Archives

November 29, 2020November 29, 2020

Loan Options for Financing a Boat

In this week’s blog, we welcome Lauren Cordell, a guest blog writer. She shares with us different loan options for financing a boat.

4 Loan Options to Lower the Financing Costs of Boat Ownership

There is nothing more refreshing than driving down to the lake on a warm summer day and lounging about on your boat. However, unless you have a tremendous amount of cash lying around, you’ll likely need a boat loan to bring your fantasies to life.

For most people, financing a boat is a heavy financial challenge. Fortunately, there are a few boat loans to ease the load from boat financing. Setting aside time to think about a reasonable spending plan and financial capability for your purchase can undoubtedly help you choose the type of boat loan that caters to your lifestyle.

How to Finance Your Boat

Financing a boat begins with searching for a credible lender for boat loans, discussing, and applying. Finding a boat loan lender is not that back-breaking since banks have found that most boat purchasers are great customers for loans.

Nonetheless, you can also opt to hire a boat loan expert instead of directly contacting a boat loan lender. Boat loan experts commonly interact deeply with the client regarding the application, credit faction, examination, and underwritings.

Boat Loans

It’s undeniable that the costs of boat ownership are expensive. Thus, a lot of people opt to get a boat loan to help them financially. A boat loan is a type of installment loan with a scheduled regular payment, which lasts from 2-15 years. Loan terms and interest rates differ depending on the lender, your loan size, income, credit score, and the type of loan you chose.

Secured Boat Loans

A secured loan implies that the cash lent to you comes with a need for collateral. Collateral is something of significant worth that the lender can use to recover the loan’s expense if you fail to pay the installments. Vehicles, homes, and other valuable things are the usual loan collaterals. Furthermore, you can also sign off the boat itself as collateral.

Secured loans provide borrowers with many benefits. First, they commonly have lower interest rates compared to unsecured loans. Lower interest rates are an effect of the lender receiving lower risks because of the collateral. Secured loans are likewise open to borrowers who have a messy financial record. Furthermore, secured boat loans generally have longer reimbursement terms and higher loan cutoffs than unsecured loans.

However, the primary risk is that you’d need to give up your collateral if you fail to pay the installments. Secured loans are ideal for borrowers who need a more significant loan amount, are OK with the risk related to it, and those who don’t qualify for unsecured loans.

Unsecured Boat Loans

An unsecured loan does not need a guarantee. However, that does not mean it comes without risks. Unsecured loans generally have larger interest rates and many additional limitations compared to secured loans. Even the application process is more complicated to make up for the absence of collateral.

Numerous individuals opt to apply for personal loans when searching for the ideal boat financing choices. A personal loan is a type of unsecured loan that can provide preferable rates than traditional funding entities. They commonly have flexible reimbursement terms and competitive interest rates. You can likewise make additional installments or take care of the whole debt early.

To reiterate, in contrast to secured loans, you don’t need to sign off your boat or other valuables as collateral. An unsecured loan is solely dependent on your financial soundness and evident income. After receiving your loan request approval and funding, the lender will transfer the whole sum into your account.

In-house Financing

In contrast to the more specialized terms in the boat financing world, many boat dealers also offer in-house financing. It’s financing that happens “in house.” It generally occurs inside the walls of the dealership, wherein you plan to purchase your boat.

If you’re prudent, you and the dealer can both benefit from this fiscal agreement. You get your dream boat, pay the interest throughout the loan’s course, and the dealer profits from the income. Win-win situation for both parties. Some even closely manage the lender’s application up to closing deals for a quick and hassle-free experience.

In the most ideal situation, you acquire your boat and pay a competitive interest in it throughout the loan period. If you default on the advance, the dealer keeps the money you’ve already paid. In addition to losing cash, they can also repossess the boat based on the terms that you consented to when signing the agreement.

Second Mortgage

You can go for a home equity loan or a second mortgage on the off chance that you decide not to apply for a personal loan. Home equity loans would utilize your house as a guarantee for your boat loan. And because it requires collateral, it is considered a secured loan.

As stated before, interest rates tend to be lower for secured loans compared to unsecured loans. In short, home equity loans can be incredibly risky because the stakes are exceptionally high. If you fail to pay off the loan installment, the lender has the power to seize your house.

Where to Get a Boat Loan

The three most common places you can turn to for a boat loan are online lenders, banks, and credit unions. Usually, the application process is quick, and approval is mainly dependent on your financial assessment and capacity to repay the loan.

When weighing where to get a boat loan, consider the loan lender’s annual percentage rate, which incorporates the interest rate and additional expenses, to compare the costs and installments that are ideal for your budget.

Banks

Banks and other loaning organizations are the standard go-to’s to apply for a boat loan. Inquiring in your local bank for loan options is a smart start. Establishing a positive, pre-settled relation with a bank can be very useful in helping you get faster approval with a decent rate.

Although many boat dealers currently offer financing choices of their own, this isn’t generally the case. Furthermore, any financing that a boat dealer offers should be subject to comparison with rates that different loan lenders offer.

Credit Unions

Credit unions are like banks but are non-revenue driven organizations intended for individuals who share a collective bond. You might be qualified to enter a credit union for numerous factors — maybe it’s for individuals who live in your locale, people who went to or are in the same school, or have likewise served in the military.

Luckily, the majority of credit unions do not have uptight membership prerequisites. Thus, becoming a member to apply for a boat loan won’t be that much of a challenge. However, while credit unions ordinarily offer personalized client support, they don’t generally keep track of the most recent banking tech. As a result, applying for a boat loan online may not be possible.

Online Lenders

Searching for boat loan lenders online can also be another practical technique for boat financing. Some online lenders offer any type of loan that caters to your lifestyle and needs. At the point when other lending organizations can’t provide the terms you need, finding an online loan lender could be the key to owning your boat.

Takeaway

Setting sail on your boat is a precious experience, and your lack of funds should not hinder you from achieving that dream. Apply for a boat loan that you know you can take on financially today and in the days to come. Furthermore, choose a lender you can trust and provide you with the best terms for your lifestyle. With a little effort and consistency, that summer day lounging in your boat will not be far along in the future.

Author’s Bio

Lauren Cordell has worked as a professional content writer for over five years. She is an avid fan of the outdoors and especially loves incorporating her travels in her writings. Lauren usually spends her free time with her family during the summer and drives down to the lake to spend their afternoon on the family boat.

November 26, 2020November 26, 2020

Thankful this Season

Though 2020 packed a lot of punches, we’re still thankful this season for everything we experienced this year. While Scott and I are celebrating this Thanksgiving as a party of two, so are many others. When we owned our large house, we hosted Thanksgiving every year for up to 27 people and even after downsizing, we continued to share the holiday with my family. This year is different, thanks to the covid pandemic.

How can we be thankful this year? Well, considering the shutdown, we still had a fantastic year. Yes, our trip to the BVI’s was cancelled, but we were able to spend time on the water with family and friends all year long. Considering we sold the boat in July, we were very fortunate.

During the shutdown, we were still able to take the boat out and anchor for lunch.

Scott and I used the shutdown to get more projects done on the boat and work on the dinghy. While we may not have been able to visit marinas that were shut down, we were thankful to be able to spend quality time with family and friends on the boat at our marina.

Remember, when the gray whale swam down our fairway?

Making the best of it

Once the restrictions started to lift, we managed to visit a lot of places this past year. Though it was obvious things were different with the pandemic in place. Port Orchard was quiet, Camano was distanced and the crowds were few. My motto is, “you have to work with what you have and make it great”.

When we were in Port Orchard, our favorite restaurant has this sign outside of the restrooms. How ironic, right?

The beauty of the PNW

While we were stuck at home for most of the shut down, we also are thankful that we have such a great place to live with an awesome view.

Our last trip on the boat was a trip to Des Moines with my close friend Jen. We headed down for the day simply to get fuel. Not a bad day on the water.

With family and friends on Camano, there was never a shortage of time at the beach or on the water.

Our annual family photo for July 4th certainly had a different feel this year though.

No shortages of dogs either

Scott and I miss our two goldens, Mac and Maggie, everyday. So when I have the chance to love on one, I never miss a chance. This year, we were so lucky to have so many encounters. My favorite one, was getting a visit from Tiller, who I met a few years ago at our company rendezvous. She reminds me of Mac and I sometimes think he’s come back as Tiller.

The Journey is part of the Fun

Scott and I finally met one of our Instagram followers, Jeff from MV Why Knot, who lives on his 32′ Nordic Tug!

Looking for our next liveaboard, we traveled to Anacortes and were finally able to “getaway” for a weekend.

Wanting something longer, we decided to charter a yacht and cruise the San Juan Islands. It certainly wasn’t the trip we were expecting, but then it wouldn’t be a journey otherwise. Plus, we’re thankful we didn’t sink.

At the end of the day, we can honestly say we’re thankful for how everything turned out for us this year. It could have taken many different turns and we’re truly blessed on how the year unfolded. Take a moment this season to give thanks and appreciate what you have. It could be gone tomorrow.

Happy Thanksgiving to you and your families and thank you for following our journey. Follow us on social at @BoatingJourney and please subscribe to our YouTube channel (see our latest episode below)

Ally & Scott

November 5, 2020November 5, 2020

Sailing Lessons on Lake Union

Scott and I have wanted to take sailing lessons for years and last month, we finally took a lesson from the Center for Wooden Boats (CWB) on Lake Union. The Center for Wooden Boats offers a variety of sailing packages or single lessons. We decided to take a lesson and schedule a “sailing checkout” so we could rent one of their small sailboats boats at any time.

The center takes reservations online and when I booked our lessons in August, they were full until the end of September. Luckily, it was a gorgeous sunny day and perfect for being on the water.

Normally the center is open to the public, but with the pandemic only those with reservations were allowed in. The boats are moored at their livery. At the turn of the 20th century, liveries were boathouses where the working class could rent a boat for leisure. The CWB Livery continues that tradition.

What type of sailboat did we learn on?

Scott and I have only sailed on a party catamaran and a small Hobie Cat in the Caribbean. We understand some basic terms, but sailing is much different than power boating. Everything has a name and a purpose. Our instructor Christian was very knowledgeable and shared a ton of information on the different terms.

Our sailboat was about 20′ long and known as a Blanchard Junior Knockout (a fractional sail boat). According to the CWB, the Blanchard boat company was formed by experienced boatwright Norman J. Blanchard Sr. in 1923 on the northeast side of Lake Union. It went on to become one of the most well-known and respected boat shops in the northwest. In 1932, N.J. Blanchard and Ben Seaborn designed the Blanchard Senior Knockabout, a small cabin sloop, in response to comments made by local boaters about how the International Star design had no cabin. The Senior was a cabin daysailer with the rig of a Star. (credit CWB)

The Blanchard Junior Knockabout was a new design which came shortly after. A 20’ open sloop, the hull was scaled down from the 26’ boat. The 20’ boat had only a short fore deck and aft deck and the long cockpit would easily seat 3 adults on each side bench. The 26’ cabin cruiser was called the Blanchard Senior Knockabout (BJK) and the 20’ version was the Blanchard Junior Knockabout (BJK). (credit CWB)

Time to take sailing lessons!

Christian got in the boat first and raised the main sail. Then I climbed in and sat in the front, so Scott could steer from the stern. Remember, there’s no motor on this boat, so Scott gave us a big push off and we headed north. Our instructor was so calm explaining everything to us. I immediately got nervous that we were heading towards a very large yacht and Scott was completely in charge of our forward direction.

Christian dove right in and showed us how to catch wind for moving forward. Our issue was we really didn’t have any winds. They were coming from the north at 1-2 knots, and predicted to kick up to 3-4 knots a couple of hours later. So Scott did his best moving us up the lake. At one point, the boat keeled over about 15 degrees and it freaked me out, as I was on the downside of the boat, near the water line. Watch the YouTube video and see how I reacted.

During our sailing lesson, we learned about wind indicators on the sails, different types of knots and how to hold the lines properly. Let’s just say, there is a completely different language in sailing, compared to power boating.

Christian also did a man overboard exercise by throwing a floating cushion into the water. Our job was to tack back and work our way to the cushion to rescue it. When you are a power boater, whether it’s a motor yacht or a dinghy, you rely solely on your engines to move you. By only having a sail and wind, it’s a lot of work!

Docking the boat

After an hour and a half, it was time for Scott to dock the boat and let me take the helm. We’re used to not only docking with engines, but with thrusters. This should be fun! With the winds coming from the north, we headed south. You sail the boat parallel with the dock and then turn perpendicular towards the dock. When the bow is about 3′ or so from the dock, you use your tiller to turn parallel to the dock. Also, keep in mind, the tiller works in the opposite direction you want to go (similar to a hand-controlled outboard engine). Scott did a great job!

Once we touched the dock, we switched seats and I was at the helm.

We only spent about 30 minutes with me, as it was 2:30p and we had reserved our lessons from 1 – 3p. Our plan was first the lesson, followed by a scheduled “check-out.” Before using the sailboats, you must pass a short checkout sail to make sure that you are comfortable handling traditional small boats. Checkouts cost $25, take approximately 30 minutes, and require demonstrating single-handed sailing and docking skills, and understanding right-of-way rules.

By 3pm, the winds picked up to about 5 knots and Christian asked Scott if he still wanted to do his checkout. With the winds and our limited time on the water, we all agreed we need more practice before attempting our sailing checkout. Figures, the winds picked up after our lesson.

Are we going to become sailors now?

Scott and I both agreed, sailing is hard work! It’s bad enough trying to steer a power boat through tight, shallow channels and watch for debris. But then to be on a vessel that has a lot of moving parts (sails, lines, halyards, winches), no thanks! However, in the future, we might still complete the checkout, so we can rent a boat on nice days. The CWB has more than just the Lake Union location. They also have a livery on Camano Island at Cama Beach! Who knew?

Overall, it’s a great program and very affordable for those who want to learn to sail. We’re fortunate to live so close to and have so many options to be on the water.

As always, thank you for following our journey! Please be sure to subscribe to our blog and YouTube channel (link at the end of this blog). You can follow us on social media @BoatingJourney.

Next week, we’ll take you on a tour of a 1995 Sea Ray 55 Motor Yacht. Stay tuned!

October 5, 2020October 5, 2020

Exploring Roche Harbor Resort

Despite taking on water as we arrived to Roche Harbor, we were determined to still explore and have fun. The technician arrived after a few hours and he couldn’t find the source of the leak. He told us he would bring us a new bilge pump in a couple of days when we arrive in Friday Harbor. That meant, we would have to deal with the leak for the next 48 hours! Awesome. Since there was nothing we could do about it, the five of us, set out to explore Roche Harbor.

This was my third trip to Roche Harbor and Scott’s first. I had a work function here last year and I wrote a blog about the history of the resort and family. Check it out here.

Once we secured the boat, we headed over to the marina office (which is also where U.S. Customs is located) to pay our moorage for the night. They have all of the covid procedures in place and are operating business as usual.

Walking around “town”

Okay, so there is no town. But the resort is set up like a mini town, offering everything you might need. This includes a fresh fish market, souveniers, grocery store and spa. The fish market offered fresh crab, shrimp, clams, oysters and a variety of fish. It was a bit on the pricey side, but at least it’s fresh seafood!

A bit of history

Roche Harbor is rich in limestone, which is used to build roads and manufacture concrete and mortar. In 1886, Tacoma lawyer John S. McMillin and his business partners in the Tacoma Lime Company founded Roche Harbor Lime Company. The lime kilns are still present next to the hotel.

Next to the lime kilns, is the diesel-fired generator plants. I missed this the last time I was here. These generators were used up until the 1950’s to power the entire island.

Trekking into the woods

The resort is also know for the McMillin family mausoleum and the sculpture park. So the five us trekked off into the woods. Again, be sure to check out my last blog about Roche, for all of history behind the mausoleum. The founder, John McMillin, was a member of the Masonic Order and he built the mausoleum recognizing the traditions of the Masonic Order. As you walk through the forest, it reminds you a bit of the movie “Blair Witch Project“. There are some infant & toddler burial sites throughout the forest.

After about a 15 minute walk through the forest, you’ll come upon the family mausoleum and monument. There is significant Masonic meaning behind the entire structure, including the steps up to the table and chairs all of which represent the stages of life. Freemasons are very ritual and deliberate about everything they build and encompass. (In fact, my great uncle was a Freemason.)

Some people say they feel spirits while visiting the mausoleum. I will say the last time I was there, a creepy voice said “knight.” Who knows where that came from?

San Juan Islands Sculpture Park at Roche Harbor

From the mausoleum, we headed to the sculpture park. This was the first time I had walked through it and each art piece is for sale!

Could you imagine putting this bear in your front yard!? It takes about 45 minutes to walk the entire park (or longer if you check everything out). They do accept donations at the entrance, so be sure to support them if you can.

Enjoying a Fall evening in Roche Harbor

After a fun afternoon, we were ready to head back to the dock and relax before dinner. The weather was beautiful and we couldn’t ask for a more scenic setting.

The five of us had dinner at the famed McMillin’s Dining Room and it was fantastic! This is the nicest restaurant in the resort, but we were able to dress casual. We did make reservations when we arrived, otherwise, we would not have been able to get in.

Roche makes a specialty martini, The Pig War Martini, that you must try. This cocktail doesn’t contain a speck of bacon, but rather is a boozy tribute to the 12-year standoff between British and American troops over the sudden death of a foraging pig. At Roche Harbor, they serve this cocktail with a mini pig on the edge of your glass.

McMillin’s dining is known for their prime rib and fresh seafood. We all had an amazing meal!

The sunset was amazing and though our arrival to Roche was full of drama & stress, our evening ended perfectly. With great friends and scenery, Scott and I couldn’t ask for more (well, okay, perhaps a boat that wasn’t leaking!).

On to Stuart Island

The following morning, we threw off the lines and headed to Stuart Island to anchor overnight for the first time. Be sure to tune in to our next YouTube episode and follow our blog for updates on that trip.

As always, thank you for following our journey! Please be sure to subscribe to our YouTube channel and follow us on social media @BoatingJourney. Until next time!

Cheers, Scott & Ally

September 27, 2020September 27, 2020

Our Anacortes Yacht Charter to Roche Harbor

It has been three long months since Scott and I have been boating so we finally decided to charter a yacht from Anacortes Yacht Charters and visit the San Juan Islands. We have talked to AYC many times at the Seattle Boat Show and they have a great selection of yachts from which to choose. We chose to depart from Anacortes to save time and get over to the San Juan Islands quickly.

You might ask, did we look at other charter companies? Great question – yes we did. However, this was a very last minute decision that also involved another party. We had invited my brother-in-law Kurt and his brother Cal (and girl friend Tracey) to come along. Long story short, only Cal and Tracey decided to go and our choices were pretty limited in regards to available boats around 40-45′. There is some irony to this story so keep reading!

We reserved a 40′ Carver and I sent everyone a photo and link to the yacht, which had two large staterooms.

After we reserved it, I started looking for YouTube videos of the Carver and noticed that our model (that I thought I reserved), didn’t have big staterooms. Uh ho! Sure enough, I reserved the wrong Carver! Instead of an aft cabin Carver, we had reserved a Carver 410 Sport Sedan that only had a V-berth and a small cabin for stowaways. Since it was my mistake, we’d take the small cabin.

More surprises ahead!

A week before our departure, Kurt calls and says he would like to join us. Awesome!! (Remember, he not only has years of boating experience, but he is a retired Chief Engineer for the Washington Ferries). So we love having him on board!

One problem though – this boat only has two staterooms and the couch is curved. I tried calling Anacortes Yacht Charters to see if we could upgrade to a larger boat and they said no – we would have to pay a cancellation fee.

The other bit of info I should share, is that we wanted to charter for four (4) nights, but the boat was only available for three. Unfortunately, if you reserve a boat for less than four nights, you pay extra fees as a penalty. Plus, we wanted to do a sleepover on it the night before, so we could get under way first thing in the morning. There was another fee for that! I’ll share our charter costs at the end of this blog series.

Two days before we depart, Scott sends out a group email that simply says “Bad news. The Charter company called and……..” Everyone’s heart stopped at that sentence. Luckily, he finished it by saying “…..the Carver ran aground, so they need to upgrade us to a Meridian 411”. We all sighed in relief and were thrilled! This was a much nicer boat, great layout and the couch wasn’t curved.

Packing the truck

The five us wanted to ride up together and I told everyone to pack lightly. We also wanted to drop a couple of crab pots, so Cal brought along two of his. (We didn’t know until later that the boat comes with two pots). Arriving to Cal’s house, it was obvious we may have to take two cars. But you have to know Scott; he’s the master at tetris and he made it work!

It also helps that we have a Nissan Armada and everyone fit comfortably!

Then on our way up, we asked Kurt where his sleeping bag was? (he’s sleeping on the couch). Ooops, guess who forgot to pack one! Luckily, we were just approaching Cabelas and he stopped and bought one there. Another note – the boat had plenty of spare blankets, so he didn’t need to.

Provisioning & Itinerary

Since this was a short trip, I told everyone to bring their own beverages and favorite snacks. Provisioning was really simple. When we were at a marina, we planned on eating breakfast and dinner at a restaurant to support the locals. This ended up being a good idea, as the fridge was really small compared to the one on our Bayliner 4087.

In addition, many of the cupboards were full of supplies. We ended up putting food in drawers in the master stateroom.

With only three days to explore, we kept the itinerary easy. We planned on leaving Anacortes on Monday morning and head over to Roche Harbor (26 miles) where we would stay at the marina and explore. Tuesday, we would head to Stuart Island (8 miles) and stay the night in Prevost Harbor and then head to Friday Harbor (13 miles) the next day. Had the trip been longer, we would have anchored more and explored a few more islands.

Anacortes Yacht Charter Check-In

This was our first charter (remember our BVI charter was postponed until next February), so we didn’t know what to expect. They are very strict about arrival times, so be sure to adhere to those. We arrived to the office at 4pm on Sunday and they had Scott review the paperwork and then watch a 30 minute safety video. We were all there, so we joined in. They offer free water, coffee and ice cream – so it was worth it!

From there, we met with our check-in captain on the boat at Cap Sante Marina. They were running late from the previous charter that day, so we had to wait about an hour before we could board. Since we couldn’t get a cocktail, we just walked around the marina a bit.

Once on board, she walked us through the interior and exterior of the boat. One tip I have, is be sure to video tape any instructions (i.e. turning on the generator), as they may come in handy later.

The captain also took Scott and Kurt down into the engine room – that ended up being a great idea later. The access is under the flybridge stairs, which was pretty convenient (versus lifting up the floor board in the salon).

Once you have gone through the boat, the captain will then have the crew take the boat down the fairway, turn around and dock it. One thing I was disappointed about is she didn’t ask us about our experience as boaters. We did share with her that we had many years experience, yet she didn’t give us consideration for that. For example, she told Kurt (who has owned three boats over 30 years) how to properly tie off a cleat!

A beautiful night at Cap Sante Marina

Once we unpacked, the five us relaxed and enjoyed the sunset. I had made a cold pasta salad for dinner earlier in the day and that worked out great!

The other irony of the evening, was that Simbault, the 1995 Navigator 53 Sundance yacht that we toured in July was right across from us. So far, this has been our favorite liveaboard option – we just can’t find a home for it. Watch that episode here.

The weather forecast

I have a number of weather apps on my phone and around 7pm, every alert went off. The weather was changing and now we were expecting 22knot winds and 4′ seas as we crossed the Rosario Straits and San Juan Channel. Not what you want to see. I texted our broker (who has sold many Meridians) and he assured me that the yacht could easily handle these seas.

The weather was beautiful in the marina when we woke up. Since we couldn’t check into Roche until about 12pm, we took our time leaving from Anacortes, as the trip would only be about 2 hours (even in bad weather).

As we left Anacortes and entered the Guemes Channel, things were nice and calm. We crossed the Rosario Straits and headed to the north end of Shaw. Another thing to note, is the AYC gave us a map of areas to avoid. If you run aground in any of those areas, you are not covered by insurance. To play it safe, we took no known short cuts. It was such a comfortable trip, that I forgot about the weather forecast.

I spoke too soon. As soon as we rounded Shaw Island and entered the San Juan Channel, the white caps appeared and we were in 5′ seas. The photo below doesn’t do it justice, but the footage does – so be sure to watch the video on our YouTube channel. We had the isinglass panel out, so all of us got sprayed the entire trip up the channel.

Then things go terribly wrong!

I was excited to get into Roche Harbor early, so we could all explore the sites. It’s very important that you enter the bay on the west side of Pearl Island, as the eastside is shallow. In fact, the Carver that ran aground went that way.

In the bay, you’ll find lots of boats anchored out, so it’s important to be respectful to them. Go slowly and around them, versus through the anchor field. We heard one boat on the VHF that said “hey, thanks to the idiot and your wake going thru our anchor field” and no, it wasn’t us.

Scott put the boat in neutral while he got ready to radio in for slip assignment and that’s when all hell broke loose. Immediately an alarm went off and he says “It’s our high water alarm! We’re taking on water!” Kurt and I ran down to the cockpit (I grabbed my life jacket) and he went into the engine room. At that point he told me not to panic, but we have over 2′ of water in the engine room! In the middle of the chaos, I didn’t get a chance to get a photo of it. The photo below indicates how high up the water was!

Try not to panic

There are two things that terrify me about boating – sinking and catching fire. After putting on my life jacket, I asked Kurt if I should lower the dinghy?! He calmly said, “No, let’s see if the bilge pumps start pumping the water out”. After about a minute, he said he thought the water was going down slowly. I then called Anacortes Yacht Charters (while the very loud high pitch water alarm is blaring) and tell them we are taking on water. Oddly, she asked me if we were sinking and I said no. I told her we were making our way to the dock and she said she would send out a tech in a few hours. My initial thought? Are you kidding me?!! More on that later.

Unfortunately, the marina office couldn’t hear us hailing them on the vhf due to the alarm. Thank God I’m Facebook friends with the manager and I had been messaging her all morning. I quickly sent her a note, that we needed our slip assignment asap! To make things more stressful, we had never arrived to Roche by boat, so we weren’t too sure where go to. I knew the guest docks were on the far end towards the beach and she assigned us 5A. Luckily, we went straight to it (I wasn’t sure which side of the dock we were on).

The staff at the marina was fantastic and helped us get docked and situated. Once we were secured, we checked the engine room and it was finally dry. We still didn’t know where the leak was coming from, but we did discover that the aft bilge pump did not work at all. That meant the mid and forward pumps were doing all of the work. With over 500 gallons of water pouring in, they could only pump out so fast. Now we had to wait for the technician to show up and figure out what was happening. Spending our first hour in the engine room upon our arrival, was not what we had planned! However, we were so thankful that Kurt was with us (once again – we broke down the last time we went to the San Juan Islands).

Stay tuned for our next blog, as we explore Roche Harbor and try to figure out where the leak is coming from! As always, thank you for following our journey! Please subscribe to our YouTube channel (see episode below) and follow us on Instagram, Facebook & Twitter @BoatingJourney.

Cheers, Scott & Ally

September 21, 2020September 21, 2020

Kayaking, Canoeing & Parasailing!

Scott and I decided to go kayaking, canoeing and parasailing all in one day here in Seattle. Living so close to Lake Union and Lake Washington, Scott and I decided to try out non-motorized boating on kayaks and a canoe all in the same day. I’ve never tried either activity on either lake, so I was excited to check things out.

With the current pandemic, things are a bit different now. First, you need to make reservations for Moss Bay kayak rentals by phone only and UW Canoes on-line only at least 24 hours in advance. Second, be prepared to wear your mask on the docks at all times, until you get into your boat.

Kayaking on Lake Union

When we made our reservations a week earlier, the weather forecast was warm and calm. We arrived at Moss Bay Rentals at 10am right when they opened. Unfortunately, the weather had changed drastically and now we had 70 degree weather with 9 knot winds from the north. Ugh. It was still warm, so we decided to give it a go.

Scott and I each rented a kayak for one hour at the rate of $18 per hour. I was worried about getting into the kayak from the dock, as I’ve only gone kayaking from a beach. The staff were very helpful and they make sure you get into your kayak safely. We brought our own life jackets, as I wasn’t keen on using a shared life jacket.

My office is located on Lake Union, so I thought it would be fun to try and kayak up to our dock. Looking at the map below, the yellow line is as far as we got as we were fighting 1′ waves and strong winds from the north.

In any case, it was still fun to be on the water and soak up some sun. We certainly burned a lot of calories. It took us about 40 minutes to kayak just past the Fairview Marina and then we headed back (which only took us 20 minutes!). We got some great DJI Action video, so be sure to watch the video below.

Time to check out the UW Canoes on Lake Washington

Kayaking on Lake Union was a great upper body workout while we were fighting with the wind and waves. I was hoping for a calmer experience on Lake Washington. Keep in mind, I’ve never been in a canoe before and Scott tells me they tip over easily. Great.

UW Waterfront Activities Center is about a 10 minute drive from Moss Bay. We rented a canoe to share, which was $18/hour. However, they do require a $500 pre-authorization on your credit card as a form of deposit.

Be prepared that they are very strict in regards to health and safety protocols due to the pandemic. If you attempt to remove your mask for any reason (drinking water), they will call you out. Reservations can only be made on-line and you must bring your email confirmation upon check-in.

They also did not allow us to user our own pfds, which was odd to us. Our Crewsaver life jackets are USCG Type V / III approved life jacket, but they only allow Type I, II, or III (which ours were). The center disinfects each life jacket in a solution, so we felt pretty safe.

The center only allows one party at a time to check-in on the dock. Your canoe is brought to the edge of the dock and they help you in. The person in the back of the canoe handles the steering and the front passenger is the “engine”, so I sat up front. Good news, we didn’t tip over when I got in! 🙂

No more canoeing in the Arboretum

Since 520 is under construction, they are no longer allowing people to head over to the Arboretum, which was a disappointment.

As a result, Scott and I took a leisurely canoe ride around Birch Island and the lily pad gardens.

The water was nice and calm and we simply soaked up the sun and the scenery. I would highly recommend this activity and next time, we want to go kayaking. We should have brought our drone, but we weren’t sure if it would have been stable enough in the canoe. Next time.

There were geese everywhere and plenty of other wild life including herons, turtles and fish. Be sure to watch the YouTube episode below for all of the footage.

While the canoe was a bit wobbly, I never felt like it was going to really tip over.

There was A LOT of boat traffic coming in from the Montlake cut. We tried to get a bit closer to it for footage and it got too dangerous in a canoe.

Now time for Parasailing on Elliott Bay!

Scott and I canoed for about an hour and headed back in. The staff helped us out of the canoe and had us place our life jackets in a disinfecting solution bin. It was a very relaxing afternoon and I would definitely go back there again.

We relaxed at home for a couple of hours and then it was time to head down to Bell Harbor Marina, as Scott was scheduled to go parasailing on Elliott Bay. It’s been so weird seeing the marina empty this past summer, thanks to covid.

You’re probably wondering why I said “Scott” only? Well, that’s because there is no way in the world I would go up in that thing! I’m terrified of heights and especially if I’m moving. As we were waiting for the boat to show, Scott was getting a bit anxious and was full of nervous energy!

We booked the trip with Parasail Seattle and the crew was fantastic. It’s an hour boat ride and the parasail time is about 15 minutes, which cost $160/pp. I was able to come along on the ride and in fact, they tried to convince me to join him. No thanks. There was another family onboard with us and they went parasailing first.

The crew was really great and they walk everyone thru safety measures and then they get everyone harnessed in. If you don’t have your own camera, they will video tape you for you and send you a USB with your video.

Time to go Parasailing!

Now it was Scott’s turn and they hustled him to the stern of the boat, where he sat down and hung onto the parasail. When they were ready, they launched him up in the air! The photos don’t do the trip justice, so be sure to watch the full episode on YouTube.

It was a gorgeous day to be back on Elliott Bay boating!

After an hour trip, they brought us back to Bell Harbor. We had a great time, so we made sure to tip the crew well.

What better place than the Anthony’s Bell Street Diner to relax and unwind after a full day of boating around Seattle!

At the end of September, we are taking sailing lessons on Lake Union. So there are plenty of ways to spend time on the water in Seattle without a boat or a motor and at an affordable rate.

Be sure to watch for our next episode and watch for our blog, as we share Part 1 of our San Juan Charter. Our San Juan Charter last week was EPIC, to say the least, so you won’t want to miss out on that story. As always, thank you for following our journey.

Follow us on social media (Facebook, Twitter and Instagram) @BoatingJourney and please subscribe to our YouTube Channel. Thanks everyone! Scott and Ally

#boatingjourney #boatlife #pnwboater

August 7, 2020August 7, 2020

Whaler Life on a 170 Montauk at Camano Island

Last month, I sat down with my nephew Jake who owns a 2006 Boston Whaler 170 Montauk, to talk about beach life and how he likes his Whaler. Jake has owned the boat for three years and is the second owner of the boat. Tyee Beach is located on the east side of Camano Island facing Port Susan.

It is a private beach that is made up of mostly vacation homes. However, many people live there all-year round, including my aunt and uncle.

Crabbing, shrimping & fishing

During the summer months, everyone at the beach spends their time out on their boats crabbing, fishing and shrimping – when it’s open that is. In Washington state, we have a very limited crabbing season and shrimp season is only open about two days.

Jake uses 27″ diameter crab pots that weigh about 20lbs. As you can see in the video above, you need a boat that can handle not only the load, but the dirty work. The great thing about the Montauk line is that it is designed to handle rugged activities like fishing and crabbing.

It’s rugged enough to beach it on rocky surfaces and you don’t have to worry about the boat getting messy. Once you’re done for the day, simply hose down the deck and you’re good to go!

At the same time, the 170 Montauk offers comforts to everyone – its easy to stand in, plenty of seating with comfortable cushions, tons of storage and optional fishing packages. It also has all of the navigation you need, including fish finder and GPS. Jake also added a crab pot puller and it makes life so much easier – trust me, I know first hand.

Great Family Boat

When Jake is not out fishing, he loves to take his family out for a cruise. With a young daughter and nephews, safety is his top priority – he loves that the Whaler is unsinkable!

Jake’s 170 Montauk is outfitted with a Mercury 90 HP motor, which gets him to where he needs to be quickly! He has even taken the Montauk over to Langley on Whidbey Island, about 8 nautical miles away. At 17′ long, you feel like you are in a much bigger boat than it actually is.

The perfect boat for the Pacific Northwest

I asked Jake when he thought he might buy a different boat. He said he has no plans to buy one as of now since Whalers can last a life-time. Their durability and easy to tow feature, makes them a great boat for the Pacific Northwest.

One funny and ironic story about Jake’s Montauk is from awhile back. My family had been teasing me about not trusting their mooring ball for our own boat (Bayliner 4087). It hadn’t been tested and we didn’t know if it could hold 23,000 lbs.

Scott and I were up at the beach on a stormy night and the Montauk was tied to the mooring ball. Winds started howling around midnight and got up to 30 knots. The next morning, my aunt woke me up at 5am to an emergency! The neighbor’s Bayliner 3988 had broken from its mooring line and the Montauk not only caught it, but it held it during the wind storm! It only suffered a couple of scrapes too. That’s impressive!

Scott and I are truly blessed to be able to enjoy time up on Camano Island and the fact that we can still go boating, makes it that much better! Thank you to Jake for taking us out crabbing and getting to spend a fun day on the water. The PNW is a beautiful place to live and we’ll never take for granted the beauty we get to experience here. Be sure to check out our interview with Jake below.

As always, thank you for following our story!

Be sure to follow us on Facebook, Instagram, YouTube and Twitter @BoatingJourney and use the hashtag #boatingjourney. Thank you for subscribing to our blog and our YouTube Channel. We’ll see you on water soon! Cheers, Scott and Ally

August 2, 2020August 2, 2020

Could a Navigator yacht be our next live-aboard?

A few weeks ago, Scott and I headed up north to view two Navigator yachts as a possible live-aboard. The weather forecast was sunny and warm, so why not take a road trip and spend the day near the water and boats? A few years ago, I commented in our blog about liking Navigator yachts after we toured one at the Boats Afloat Show. However, that was also four years ago, so perhaps what we liked then is different than today.

First stop, Navigator on the hard

Scott and I headed up to Blaine, WA to view a 53′ Navigator that was on the hard. The price was very low compared to the other similar year and models. We could see by the photos that it was missing some of the salon furniture and we wondered why. This is a 1999 Navigator 5300 and the asking price is $199,999.

The salesperson was very friendly and let us tour the boat on our own. As soon as we got on the boat, she asked us if we “knew the story?” We told her we had not talked to anyone, other than a few emails back and forth about viewing it. While were were admiring the size of the cockpit, she began to tell us the story.

Turns out the boat sank at the Anacortes Marina a year ago ! (great). Wish we would have known that before we drove all the way up to the border. Luckily, we had another viewing the following day in Anacortes, so it wasn’t a big deal.

We’re here, might as well tour it

As the story goes, the boat sank at the marina after a thru hull plug failed and it sank up to about a foot into the salon. Well, that can’t be good! They did get life it out immediately. Surprisingly, we didn’t notice too much damage on the woodwork except for a few spots, but the interior did smell musty. Older boats smell as it is, and it didn’t help that this one had been in the water. They did replace the carpet and that was about it. They said they “Neutra-salted” the engine (yet the listing said they rebuilt the engines) and didn’t replace any of the electronics or wiring. Yikes. She did say, they have put the boat back in the water since and everything runs fine. Could be a fun project for someone, but when it comes to sinking and electrical – I’ll pass.

Since we’re here, might as well take a tour. The galley is one of my favorite things about the Navigator. It has plenty of counter space, a huge sink and a nice big fridge. Check out the pantry in the floor board!

The interior bridge offered plenty of space for an office.

As we toured down below, it was difficult to see, as they didn’t turn on the power, so everything was in the dark. In the main stateroom, they did have a washer and dryer. However, it was right next to the bed and I don’t know how you would get your laundry out. We also wondered how you would service the washer?

The forward VIP berth had tons of storage including closet space.

Question for other boaters: Have you ever bought a really stinky boat and made it work? We watch YouTube videos of folks buying derelict boats and we wonder if they ever get the smell out? Please let us know.

When we got to the upper fly bridge, it was obvious this boat needs some work. It did have a huge u-shaped seat, but with no table, it seemed like strange set up. Then the bridge panel was missing an instrument indicator, the instrument panel was starting to show signs of wear & salt corrosion, plus it had a serious off shore freezer that took up a huge chunk of the bridge.

If someone wanted to invest at least $50,000 to $80,000, this could be a really cool boat. Scott and I are not looking for a serious fixer upper. We did love the bottom paint – this made the boat very stylish and stunning. In the end, this was not our thing and so we moved on to the next one.

Who doesn’t love a surprise?

While we were cruising the docks of the Blaine Marina, we stumbled across this cool old tug boat. We talked to the captain and found out they use this tug boat to shuttle people from the marina to the Semiahmoo marina.

This tug was built in 1944 and was used to carry cannery workers back and forth across the channel between Blaine and the former APA salmon cannery on Semiahmoo Spit. The ferry was restored by volunteers from the Whatcom Maritime Historical Society, The Friends of the Plover, (now known as Drayton Harbor Maritime) and The Plover Beach Gang. For more information, be sure to check out the Drayton Harbor webpage here.

My surprise for the day, was finding out that our friends were just across the bay and they have a golden retriever named Tiller. I first met Tiller at the Union Marine Rendezvous last summer and I fell in love with her. She is so much like our old golden Mac, that I swear he is channeling through her. So Lauren and Marshall, made the trek across the bay from Semiahmoo and we got to visit with them for a bit before we headed to Anacortes. What a fun surprise!

A beautiful day at Cap Sante Marina

This was our first trip overnight since the covid-19 pandemic and I was a bit anxious about staying in a hotel. Scott and I have stayed at the Sunrise Inn for the past few years and this year, they didn’t disappoint. Our room was fantastic and very clean. We brought our own pillows and didn’t use any of their shower amenities – just to be safe.

We grabbed a quick appetizer at the beach cafe at Anthony’s while we enjoyed the view and the sunshine. It was the perfect setting for a Saturday afternoon.

We decided to walk the docks and enjoy the scenery. The marina had plenty of signage reminding folks to keep their social distancing. As we walked down the guests docks, it was fun to see a couple of Elliott Bay Marina yachts there and we stopped to chat with them for a bit.

A sneak peak before our tour

Scott and I had a scheduled tour for the following day to see the other Navigator, a 1995 Sundance 5300, but as we walked the docks we stumbled upon it. Low and behold, someone was on it and he invited us up. It was the canvas company (working on the boat) and he gave us the full story and tour. One thing to note, is the Sundance model is set up differently than the classic 5300 (the first boat we toured). The main stateroom entrance is located mid salon. (See below in the tour.)

He was in the process of installing a BRAND NEW waterproof Sunbrella enclosure for the flybridge. It was awesome and we were envious. Turns out the owners live in California and they were just not using the boat that much, so they decided to sell it. They were the second owners and have put the boat in charter for one year. However, they use a boutique small charter company, so it only got chartered about twice a year.

It was great getting some insight on the boat, before our appointment the next day. Plus who wouldn’t want that brand new canvas enclosure?! Wow, amazing work. He did tell us that they only work in Anacortes. So if you need canvas work done, call Canvas Outfitters in Anacortes.

The full tour of the Navigator Sundance 5300

Scott and I met the broker first thing in the morning and he was super helpful. Of course, we didn’t tell him we had been on the boat the night before. The owner of the boat has taken impeccable care and it really showed. For a 25 year old boat, this boat looked new. It did have a very expensive lounge chair in the salon (a Thomas Payne) – which I would get rid of and instead, add a coffee table. In addition, there is tons of storage throughout the salon.

While the galley was dated with white cupboards, it actually looked great. The dining table was huge and you could easily use that for entertaining and a buffet. There was just as much storage in this galley as we have in our current condo.

Unlike the previous Navigator, the galley table is the only option for an office – but it’s big enough for four people! The bridge was a bit tight looking at the seat and the wheel, that was our biggest disappointment. Even a skinny person couldn’t fit in there.

Sleeping arrangements

The main stateroom and head are accessed by a staircase, mid salon. It was actually pretty cool and this offered a full beam stateroom, as it’s located under the salon.

With huge closets and plenty of drawers, this main stateroom easily offered the comforts of home. Plus you can easily walk around all sides of the bed!!

Moving through the galley and flybridge, you enter another staircase down to the guest spaces. I like that they are separate from the owner’s section. Down below they had a room with bunk beds and a large VIP forward berth with a shared head.

The washer and dryer were easily accessible and located in the room with the bunk beds.

Cavernous Engine Room

Scott originally wasn’t going to check out the engine room, but the salesman convinced him to go check it out. Once down there, he kept awing and saying “Wow, this place is cavernous! It goes on and on and on.”. While it’s hard to tell the size by the photos, you can see how many large tubs are stored down there. Be sure to watch the YouTube video for the full tour.

While we do contract out some of our engine maintenance on our boats, we also do a lot of it ourselves. The biggest challenge Scott has had, is being able to easily access the engine. On this boat, he felt he had plenty of room to maneuver around.

Where’s the dinghy?

I thought it was odd that the boat didn’t have a dinghy. That was until we got upstairs (yes, I didn’t notice it the day before), that we found the dinghy up on the flybridge. The flybridge also has a barbecue and wet bar. With the dinghy stored up top, it does get pretty tight. You would want to be careful moving around.

Curious about what type of dinghy it was, I took off the cover and was happy to see it was a center console 12′ Caribe with a 40hp engine! Wow! The flybridge has a crane davit for the dinghy, which would be new to us to use.

What a great live-aboard! Did we make an offer?

As we were sharing our story on Instagram and Facebook during the tour, everyone kept asking us if we made an offer? We also found more information on the boat, also called “Simbalaut”, that he has traveled to Alaska and there’s a great blog out there about that trip! How cool is that?!

Back to the question – did we make an offer? Scott and I talked it over on our way home. We know this is a perfect live-aboard and within our price range. The issue still remains – we have no where to put it. The broker did offer temporary moorage for it, but that’s not our solution. We don’t want to pay for a 60′ slip AND our condo that we live in. The whole purpose for downsizing and living aboard, is to get rid of our condo. Back to square one.

Scott and I have no regrets on taking the trip and spending time on both Navigators. We feel this is probably the model we are looking for, but we are still open to other types (trawler, yachts, etc). We’ll continue looking at different types of boats and hope when February comes along, that we’ll find something. Our best bet is probably to find a boat that comes with a live-aboard slip already. We are on the wait list for Shilshole and Delin, but without a boat, we won’t be able to take it if our name comes up.

In the meantime, we’ll keep searching and stay positive that all of our efforts to make this happen will come to fruition. Stay tuned.

As always, thank you for following our story! Next week, we share a “Whaler Story” and life on a Boston Whaler 170 Montauk.

Be sure to follow us on Facebook, Instagram, YouTube and Twitter @BoatingJourney and use the hashtag #boatingjourney. Thank you for subscribing to our blog and our YouTube Channel. We’ll see you on water soon! Cheers, Scott and Ally (See the full tour below)

July 24, 2020July 24, 2020

Living on a Nordic Tug 32′ in Ballard!

A few weeks ago, our friend Jeff Gassen of M/V Why Knot gave us a tour of his Nordic Tug 32′ that he lives on. Yes, you heard that right – a 32′ tug! We met Jeff virtually through Instagram and you can find his profile page here. It’s been fun sharing ideas and suggestions over the past year. In fact, Jeff offered a lot of help in getting our dinghy up and running!

Scott and I reached out to Jeff to ask him questions about how he likes living aboard, especially on a small vessel. When we downsize from a home, our mindset tells us to mimic our home (three bedroom, two bath, living room, etc). But that’s not what the point is. I do think it makes a difference if you are a single resident versus a couple!

Jeff moors his boat in Ballard along the canal. This is a private dock in an industrial area, not a marina. The disadvantages of that is he doesn’t have a dock box, private hose, laundry or bathroom facilities. The plus side is, he gets to live on his boat!!

About is ’86 Nordic Tug

Jeff has lived on his boat for about three years after he moved from a small apartment on Alki Beach in Seattle. He had been looking for a boat to live on and when this one came up, he jumped at the chance. Originally built in Woodinville, WA, Jeff is the second owner of this tug. You can check out the history of Nordic Tugs here. This boat launched in October 1986 and this was hull #6, making this vessel a classic.

It’s a perfect layout for Jeff and provides him everything he needs. The forward berth is comfortable and he has a full head with a separate shower. I asked him if he has ever run out of water (my biggest fear) and he said “Yes, one winter day when I was in the shower.”

He has a local service pump him out or he will take the boat to the Sky Launch pump-out. That gives him an opportunity to boat on Lake Union and practice his one man handling of the boat. Speaking of which, he says, it’s actually pretty easy to maneuver using the dual pilot house doors.

The boat has one engine, a 175hp Yanmar diesel with 6 cylinders. Jeff happens to be an auto mechanic, so he’s able to do a lot of the engine maintenance himself!

The Grand Tour!

I took a few photos of Jeff’s Nordic Tug, but for the full tour be sure to watch our YouTube episode below. There was too much to try and include here in the blog (and the blog doesn’t do it justice). Jeff spends much of his time in his salon/galley where he loves to cook. He has a super cool spice rack that adds to the character of the space. Of course I forgot to take a photo – so tune in!

Inside his salon, he has a wood burning stove that pumps out serious heat. Though his salon may seem small to some, Jeff explained that he works out in the salon, he entertains and does game nights and relaxes while listening to music. Notice I didn’t say anything about internet or television? That’s because he does NOT have a computer or a television. Good for him. To be disconnected these days, is impressive.

Where are the photos of the rest of the boat?

I got so caught up with the tour while Scott was filming that I forgot to take still photos for the blog! Me forget to take photos? Shocking, I know. To get a tour, you will need to watch the video. The other thing is during our tour it got really windy, with winds coming from the south at about 21 knots. We could really feel it. It gave us some perspective of how it would be living on the canal during the winter.

Living on a boat

For Scott and I, we were curious if Jeff had any regrets or did he miss anything by living on his boat? He did say he misses a big comfy couch. I would agree! Our next boat, will definitely have some sort of couch/lounge area that we can comfortably relax on.

While his fridge was on the smaller side, along with his pantry items, he simply goes to the store a bit more often. Being moored where he is, Jeff is walking distance to two major grocery stores. Super easy! I did ask about doing laundry – his laundromat is next door to a brewery, so he drops in his wash and grabs a beer while he waits. Perfect!

There are about six or so live-aboard boats where he is moored. He loves that they all watch out for each other and share different things should they need it. They barbecue on the dock, watch the boat traffic pass by and enjoy the sunset with cold beer. You can’t beat that view.

Scott and I were super grateful to Jeff to spend time with us on his Nordic Tug 32 and answer all of our questions. Living aboard can seem fun, adventurous and rewarding, but it has to make sense for you. Our plan is still to search for our live-aboard boat. It probably won’t be this compact, but if it was, we might have a better chance of finding a slip! LOL

As always, thank you for following our journey! We have some great stories coming up, including a tour of two Navigator 5300 yachts. Now if only we could find a slip for a boat that size. Stay tuned.

July 19, 2020July 19, 2020

The Cost of Owning our 2002 Bayliner 4087

For this blog, we wanted to break down the cost of owning our 2002 Bayliner we recently sold after just fourteen months. Many of you have asked us, why we sold and that’s explained here in our previous blog. The question also has been asked, how much did that cost you and was it worth it?

Scott and I have broken down the costs into several different categories. Keep in mind your costs may be higher or lower depending on many variables. We’ll go through those as we review our costs.

Pre-Purchase Costs

These are any costs you incur prior to purchasing your boat. These include things like surveys and mechanical inspections. Note, that you may incur these costs multiple times depending on how many boats you place an offer on. We spent $1500 on a survey and mechanical inspection including oil samples for our boat.

We went with an individual who was certified to do both inspections. This saved us time and money by not having to schedule multiple inspections. In addition, we saved $600 for a haul-out for the survey because we won a free haul out at the Seattle Boat Show.

Included in this category is also the purchase of the boat. We financed this boat and we put down 15%. This amount will vary on the purchase price, lender and age of the boat. Some lenders require 20%, so better to plan on the high side just in case.

Accessories & Supplies

In this category we have included items to provision the galleys, heads, staterooms and miscellaneous items like fender hooks, cleaning supplies, LED lights, etc. Again, your budget for this expense depends on how you provision your boat. When we bought our Bayliner 4087, it didn’t come with much and the bedding was original from 2002.

We bought everything we needed, including the items above plus a new TV, barbecue, cockpit carpet, salon carpet and bathroom linens. In total, we spent about $2525, of which $900 was for the custom cockpit carpet.

Routine Maintenance

Routine maintenance (by our definition) is service & parts that you need regularly throughout the year. This includes items like watermaker service, filters, hull cleaning, replacement zincs (which includes divers), engine zincs, dinghy maintenance and minor repairs .

This is a pretty variable category. The more routine maintenance you can do yourself, the more money you will save. There were things we did ourselves like changing the oil, but we had divers check and clean the hull, intakes and zincs. Before we sold the boat, we replaced our broken spotlight and that cost alone was $850.

In total, we spent $2567 on routine maintenance in fourteen months. The next two categories are the two most expensive. Some of the costs you can control, others are just the cost of ownership.

Major Maintenance

Scott and I want to emphasize these costs are based on our decisions and may not reflect directly on your next boat purchase. We break major maintenance into two categories.

Post Purchase

The first is post purchase. What maintenance do you have to do to the boat to make it safe and seaworthy per your survey & mechanical inspections? This doesn’t mean you bought a boat with a hole in the hull, but rather what mechanical maintenance and improvements do you need to make? In our case, the previous owners had kept pretty good maintenance records, but our survey showed there were a few items we should take care of. Now, we could have looked past these suggestions, but we like to error on the side of caution. As a result, we had Union Marine do a full engine tune-up, replace all of the original batteries, upgrade the fuel filters and more for a total of $6400. Keep in mind we had dual Cummins 270hp engines, whereas you may only have a single engine.

Haul Outs & Painting

Our second major maintenance item was to haul out for bottom paint. We knew when we bought the boat in March, that it hadn’t been hauled out in years. In our research we found that the best time to haul out and do bottom paint, was after the boating season. So we hauled out in the Fall to complete the following: clean and scrape the hull, bottom paint, clean running gear and inspect sea cocks and rudders. Scott and I had intended on completing a lot of the work ourselves.

We had already purchased all of the bottom paint and accessories, but just before we hauled out, we both got called out of town for business. In addition, we were shocked to see 2″ of barnacles on the prop, shaft and rudders and we knew there was no way we could tackle this project.

As a result, in order to reduce the time on the hard and costs, we decided to have Pacific Fiberglass at the shipyard take care of it. They also introduced us to PropSpeed and showed us some work they were currently doing. This was an application to the props, shaft and rudders to keep growth off them and not something we could have easily done ourselves, given the amount of work to be done and the environmental considerations.

The haul out and work was completed for $6022 (The roundtrip haul-out and yard fee was $2060 and the actual work and parts cost $3962). So if you’re keeping track, the total for major maintenance category costs were $12,422.

Fixed & Variable Costs

The second major category and final category overall is our fixed & variable costs. These costs include moorage, insurance and fuel. Obviously you’ll have a lot of control over these costs. These costs will vary greatly based upon what type of boat you have, where you moor your boat, who you insure it with and the type of propulsion you have.

In regards to moorage fees, our boat was a 2002 Bayliner 4087 Motor Yacht with an LOA (length overall) of 47’. We moored it at Elliott Bay Marina (which is one of the nicest marinas in the Seattle area) because it was only 5 minutes from our home. We could have chosen a less expensive marina, but we didn’t want to spend so much time commuting to the boat. Traffic in the Seattle area is some of the worse in the country. Spending an hour or two on a Friday afternoon to get to the boat is not exciting. Plus we love everything about Elliott Bay Marina.

motor yachts sailing marina seattle — View of DT Seattle

We did save on fuel costs compared to our previous cruiser, as this boat had diesel engines and cruised at 10-12kts rather than the 25kts we cruised in our gas powered cruiser. As a result of the corona virus, we delivered the boat with full fuel tanks since we couldn’t really go out after our last fill-up. Overall, this category cost us $14,310.

Drum Roll Please

Now for those of you keeping up with us, we spent a total of $33,324 or about $2380 per month, plus boat payment for the 14 months we owned the boat.

Things to consider. While this may seem to be a large amount of money (and it is), we’ve also prepped ourselves to be able to afford this. Scott and I sold our business and our home, in order to downsize our living expenses (saving us over $26,000/year. ) Like most families, we would typically take one big vacation a year ($6500/year) and then multiple weekend getaways ($3000/year. ) Our investment in the boat, is part of our lifestyle or hobby, if you will.

Unlike a vacation or getaway, we get to enjoy the boat all year round. Some people invest in collectibles and never use them; other people buy brand new cars every year (ours is 14 years old and paid for). By buying our second boat, it gave us time on the water and experiences that you can’t put a value on. In the end, it’s all relative to what you want in life.

What would we do differently?

What would we do differently next time? Emerald Harbor Marine has some great advice, which perhaps we should have gotten before we invested – who knows? They suggest that before you buy a boat, have a 3^rd party (like them) check the boat out. (Note, they are not a replacement for a survey or mechanical inspection). What they’ll do , is give you an estimate on what the costs will be for replacement parts and yearly maintenance. Keep in mind, some parts might not even be available for older boats. They also suggest to use the boat before investing in (new batteries, filters, etc), because it may not need them. Use the boat first and find out how it feels.

No Regrets

In the end, we are happy with how everything turned out. The experience we gained during these past fourteen months was amazing and not something we could “buy.” This pandemic has made us focus more on what we really want to do in life and we’re excited about our search to find that. Now we’re onto the next big thing – not sure what that is yet, but we know it will be fun and on the water!

As always, a big thank you to everyone who follows us! Be sure to follow us on Facebook , Twitter and Instagram @BoatingJourney, so you can see our stories and get current updates on our progress. Also, check out our YouTube channel at @BoatingJourney and subscribe for future episodes. Cheers, Scott & Ally

Check out our YouTube Episode Below!!