House Boat Owning a boat is a costly
hobby. Making decisions that keep the cost of your initial purchase,
and the long-term cost of ownership, within you financial means is one
of the critical factors of boating. Its very hard to enjoy your boat
when it becomes a drain on your financial resources. If you're buying
your first boat, or are making a considerable step-up in size, the
following are some important points that should be considered.
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One of the most important
considerations is keeping the total cost of your purchase within your
budget. Often overlooked when purchasing a new boat is what it will be
worth a few years later in case you suddenly need to sell. Although
the immediate depreciation rate of most new boats is usually low, you
will take a serious hit in the event you have to sell. You could find
yourself in the position of having to liquidate with liability more
than your equity. First time buyers in
particular are often more interested in finding the largest size boat
for the least cost. This is a mistake. The effects of corrosion, ice,
snow, rain and the rough conditions of oceans, lakes, and bays cause
many problems with maintenance. So getting the best quality for your
money should be the primary consideration.
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Try taking a tour through
a marina or boat yard and observe what boats look like after they're
a few years old. See how the finishes are
holding up in the real world. Is the paint fading or is the taped-on
striping peeling? Are there numerous plastics that are cracked,
chipped or broken? Look out for plastic trim and particularly window
moldings. Are they painted and is the metal under the paint starting
to corrode? Look at the hardware. Is it quality stainless steel, or
cheap cast aluminum or pot metal parts that are corroding badly? Is
some of the hardware painted and the paint starting to come off? Check out the rub rails.
Are they all bent up, loose and distorted, or are there numerous
cracks along the hull-to-deck joint? If so, this is a prime indication
of poor quality and that the boat is likely to leak excessively. Are
the outsides of the window frames smeared with caulking, indicating
leaking windows caused by a weak and flexible structure? Does it have
window frames intended for recreational vehicles, made of non-marine
aluminum?
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A very serious problem of
a poorly constructed boat are water leaks into the interior. The
interior will quickly be destroyed by leaks that cannot be stopped. An open cockpit also
leads to deterioration of the interior. How is all that vinyl covered
plywood and plastic going to look in a few years? Poorly constructed boats
are a lot like particle board furniture - once it deteriorates,
there's no bringing it back. The costly investment turns into a
painful loss. Remember that the reason why quality boats cost so much
is because of the quality materials that go into their construction. A
20 year old high quality boat can still be easily resold because its
components have not deteriorated very much.
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A general rule of thumb
is that a new boat purchase works out better for the owner who keeps
it longer than the average four years. The longer a boat is owned, the
less the annual cost becomes. However, that doesn't help much as far
as residual value is concerned. Boats are not an investment but a
major expense. If you plan to only own the vessel for a few years, or
you anticipate that there is a chance you may have to sell, by far a
used boat will be your better value.
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Within the size range of
25-35 feet, it is a myth that diesel power is more economical than
gas. After about four years, diesel engines become much more costly to
own and maintain. Unless one plans to get a lot of use from his boat,
gas engines are usually a better choice for boats up to 35 feet. With used boats, don't
make the mistake of equating low hour meter readings with good engine
condition. For the most part, engine hours mean little because engines
deteriorate over time. Engines that are little used, gas or diesel,
are often in worse condition for the lack of use. And don't fall for
the myth that marine diesels last for thousands of hours. They don't.
The average time between major repairs is around 6-7 years. Or, if you
want to put it in terms of hours, around 1500 hours. Marine engines
deteriorate rapidly in a salt water environment.
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While used boats can
represent good value, this is true only up to a point. The problem
with some boats once they get beyond 10-12 years is deferred
maintenance. It is an unfortunate fact of life that many boat owners
cut a lot of corners when making repairs, additions or improvements.
This is particularly true when it comes to mechanical, electrical and
plumbing. While the interior may be beautiful, major systems may have
been ignored. On good quality boats, repairs are often done to a much
lower standard than the original, so that by the time a decade has
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