Car Loans - keeping America poor?

[cowdisciple]

If you like hunting the west, you might want to explore what contract nurses make in some of these towns. From what a friend of mine that's an MRI tech tells me, it's pretty substantial.

Or better yet, ALASKA. I can validate from direct knowledge that contract health professionals who will come to Alaska make some $$$$.

 

[thinhorn_AK]

Yep, in AK you can make bank and only be working a little over part time if you choose. I have a number of friends that do it.


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This is true. My wife cleared 180k last year as a nurse.

 

[Wheels]

Lazy more than anything
It something I definitely need to do
Any recommendations on a high savings account?

I use Capital One, but there are several FDIC insured online banks that offer the highest rates.

 

[MountainTracker]

I think people also really overestimate how expensive it is to keep an older vehicle maintained/repaired. I’m about to drop in a new turbo and rebuild the front end on my 07, and by my math that’s about 6 months of payments on a newer truck. The chances of something else catastrophically going wrong with it in the next year are realistically pretty slim.

Vehicles crap out across the board. Have an emergency fund set and ready so when those things happen you can absorb the hit without the damage.

To be clear I’m not saying you don’t have a system like that, more of a comment for the group.


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[mostlybirch]

50k doesn’t buy much boat unless your needs are pretty basic. We’d love to have a boat for the salt, but even quite used and on the small side. 50k is just barely getting there, in AK anyway.


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just like trucks you can sure get over your head quick with boats, especially in AK. I purposely don't join any boat forums so I can stay blissfully ignorant halibut fishing in my 25hp 14' inflatable

 

[thinhorn_AK]

just like trucks you can sure get over your head quick with boats, especially in AK. I purposely don't join any boat forums so I can stay blissfully ignorant halibut fishing in my 25hp 14' inflatable

Boats are stupid. My 16ft SeaArk jet boat was just a hair under 30k when I bought it a few years back. It's as basic as they come.

 

[mostlybirch]

Boats are stupid. My 16ft SeaArk jet boat was just a hair under 30k when I bought it a few years back. It's as basic as they come.

the best boat is a friends boat

 

[cowdisciple]

the best boat is a friends boat

That doesn't work for me! I like to fish more than they do, and on my own schedule.

 

[wyosam]

Boats are stupid. My 16ft SeaArk jet boat was just a hair under 30k when I bought it a few years back. It's as basic as they come.

Yeah, I moved up here during the worst of the Covid era of stupid used boat prices, and am a little sick about what I paid for my 16’ sled. Could buy a lot more boat for that money now. Still stupid though.


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[wyosam]

just like trucks you can sure get over your head quick with boats, especially in AK. I purposely don't join any boat forums so I can stay blissfully ignorant halibut fishing in my 25hp 14' inflatable

Yeah, the direction things are going I think I’m just going to get an inflatable for the salt and the family is going to have to toughen up a bit.


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[thinhorn_AK]

Yeah, I moved up here during the worst of the Covid era of stupid used boat prices, and am a little sick about what I paid for my 16’ sled. Could buy a lot more boat for that money now. Still stupid though.


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Exactly, when I bought mine it was right after covid so there was very little inventory anywhere. I wanted the smallest lightest welded boat I could get that could haul moose. There wasn't a single G3 on the lots, the only roughnecks I could find were the 20ft ones so I went with the SeaArk, I think the whole thing, with the trailer, and barge fee was like 29,500.00. It would be cool if I could get 20k for it when I sell it but who knows. I know people with pretty nice ~10-12 year old boats that can't seem to sell them for 30-40k because people can't get loans on older boats.

 

[mostlybirch]

Yeah, the direction things are going I think I’m just going to get an inflatable for the salt and the family is going to have to toughen up a bit.


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We bounce my 75 year old dad 10 miles out into Cook Inlet in the inflatable and he does fine, the kids should love it.

 

[MountainTracker]

You guys are making me want to get a boat for up here. I’ve looked at the solars but $$$

Anyone need a new best friend, I bring gas money haha


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[cowdisciple]

I got a 2008 used 20' Alumaweld with a soft top and 115hp for 28k plus the cost of barging it here from Seattle. That was 2022.

Works just great for summer boating in the inside passages, but the prices truly are absurd.

Gratuitous fish picture! (Anybody who thinks halibut aren't fun to catch needs to fish with lighter tackle, because they're a hoot with a medium heavy rod and 65# line. Heavy jigs, not giganto sinkers!)