The Big Day - Buying a Boat pt 2

It's almost here.  Tomorrow's the big day.  Per various emails this morning, I've been assured that we are all set to close tomorrow.  (fingers crossed...)

Steps this week:

1. Get told that your finance co. thinks there are too many hours on the engine and they will not finance the purchase (in spite of email received last week that the survey was good and financing was on board - you know, right before you signed the paper the prevented your 10% down from being returned to you.)
2. Panic.
3. Calm down and opt for second finance option - after arguing for a lower interest rate.
4. Wire more money to Broker to make up for newly lowered finance amt. (Yay for paying more to principal!)
5. Have all broker's paperwork redone in order to state correct finance price...
6. Scramble to find a notary that is available after 5pm, sign and overnight financial paperwork.
7. Get reminded by your new insurance co. that someone had a speeding ticket last Fall and your premium will now increase significantly... Suck it up and pay.  (you'll do that a lot in this process!)  It was still the lowest ins option.
8. Find a fabulous yacht delivery captain/sailing instructor - who is so thorough as to call your Broker and find out if the new boat has a Whisker Pole on it and then shop around and find an appropriate pole for  you.   Suck it up and pay the $400.
9. Google Whisker Pole.
10. Wait and see if it really closes tomorrow as promised!

I still have most of my hair.  I can't promise I won't pull it out before tomorrow.  I'm tempted to turn off my phone.  Every phone call I answer is costing us more money!  Welcome to Boat Ownership, right?

I may be bald soon.

But that's ok, right? - because it's hot in all the places we want to cruise.

I'm going to pull all of my hair out.  We are in the home stretch of closing on the 393 (Friday!).  Of course things come up.  The bank we were originally going thru doesn't like the high hours on the engine.  I understand.  But the current/soontobeprevious owners appear to have been meticulous about maintenance, so we're not worried. But They are.  So now we're going with bank #2.  (heh heh, number two)  A tiny touch higher interest rate, but still under 5%.  But the stress of all of this is making me want to pull my hair out.  Or clean.  I think cleaning may be more productive...

Arghhhhhh!

On the upside - we've found a local captain that's also a sailing instructor!  We are so excited to have found someone that is highly recommended as both a delivery captain and an instructor.  We plan to learn as much as possible on next week's 4 day delivery!  Weeeeeee!

Summer Solstice SUP Fun

We had a super-duper high tide yesterday.  Shoved the boards in the water, loaded up the paddle dog and headed out.  Strong current, but great paddle.  :)

Still dry!  (can't say as much for Molly...)

Haul Out 2013

Here's the haul out during the survey on the Beneteau 393.  Finally time to start adding more cool pics to the blog!

 Here she is after she was navigated thru the marina to the lift - apparently the Banana River is a little low right now and her 6'2" draft was not helpful.  She's stuck in the mud.  

They finally got her un-stuck and lifted.

 Then rolled her over to the inspection sight so the hull, keel, rudder, prop etc could be inspected.

Good idea of her size in these pics of us walking below her.  Our last boat was 18'... and didn't have a mast.

 Our first sail!  She didn't sink.  I'll take that as a good sign.

We finally signed and returned the Acceptance of Vessel form last night.  Now we're just waiting until the closing date and she's officially ours!  (what have we done?)

Final Signatures...

Can't. Seem. To. Find. Pen...

Urg.

Survey is great!  Financing is approved!  (had to verify that survey was all good before they committed fully)  Insurance is lined up!  Now we just need to sign this Acceptance of Vessel form.  This is the form that says we want the boat AND (more critically) that from this point on, if we change our minds we don't get any of the 10% down that is sitting in an escrow account.  It also happens to be the form that has the repairs that we want done by the seller.  It's the final bargaining step.  Practically the FINAL final step.  Practically.  I just need to sign it.  And so does Mark.  Then we email it and *POOF* several thousand dollars are no longer ours...  Just like that.  And I know - it's just the beginning.  People seem to find no end to telling us allll about the giant hole of a money pit that boats are.

So what's the problem?  I am a serial saver.  Some people hoard cats.  Some people hoard food.  I hoard cash.  It's not a bad thing, just ask my husband.  I'm not a spender.  But I AM a traveler!  And what does spending this money do?  It frees us up to traveltraveltravel!  Yay!  It's like a floating trailer.  We get tired of one watery trailer park, we just pull anchor and find another one.  Easy-peasy.

*For the record, I don't really like peas, but I like easy.  Well, I like black eyed peas, I suppose.  Just not green peas.  Easy-blackeyedpeasy!


Here I go.  I'm going to sign it.



No.  No, I'm not.  I'm waiting on him to get home so we can commit together.  Then neither is more to blame than the other... ;)