Craz vs MB Tomcat F22

[KG's Supra24]

"but want me to pay 11k more in 2 years" .... I read as you have/had a 2015 mondo and the 2017 craz is 11k more than you paid for the 2015 Mondo 2 years ago. The price jump in Moomba between models is approximately 2-3k for each model size increase.

So minimum 2k makes up for the difference between Mondo and Craz. The other 9k increase is due to Moomba increasing pricing each year. No?

I didn't say I bought my boat as investment ... I didn't say I wrote a check for my boat ...

I do, however, prefer to lose as little as possible when it comes time to sell. If Moomba's prices went down I wouldn't have a chance of getting anywhere near what I paid. With them going up in price, I stand to lose less money when it comes time for resell. As prices increase on the new models, the prices for used boats creep up also.

Ex: the past 5 years of the boat market have seen a drastic increase in new boat prices. I bought a used Supra in 2010. I put 450 hours on it and sold it in 2016. I sold it for more than I paid for it 6 years prior. No, I didn't buy it as an investment. I bought it for joy. But it did make me happy that I didn't lose money on it. I understand that won't happen again but I do like minimizing depreciation.

I'm not a dealer and no I wouldn't sell my boat because it lost value.

"If you wrote 100k check out instead of investing and having those returns pay for the boat and still have the 100k well I don't see the logic." .... while I understand the premise of where you are heading .... it doesn't seem realistic.

Ex: Borrowing 100k is going to cost you 4.5% annually in interest. If you can earn more than 4.5% on your money, sure it makes since to investment elsewhere because interest income > interest expense, so you come out slightly ahead and maintain the flexibility of having cash on hand.

However, to maintain your 100k principle ("those returns pay for the boat and still have the 100k well I don't see the logic"), you will need to create income of 1,000 per month (assuming a 10 year loan at 4.5%) from your 100k principle. That means a return on your 100k of 12% year after year for 10 years.

If you can point me to where I can conservatively earn 12% on investments while paying the bank 4.5%, I'll read that too.