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From: rogger munchousen (no email)
Date: Thu Jun 08 2006 - 19:46:23 EDT
Well I am a early 40 somthing, and I am going to sell the farm and be carefull how and where i spend my hard earned duckets. I am going with a older smaller boat between 28-32ft, and plan on carrying both cash and plastic for emergancies. I am going to streamline the rest of my finances to make sure I have no monthly payments.
chad
Richard Bradshaw <> wrote:
We have a discussion locally about a subject that is a sensitive
subject for a lot of people so I'm expanding it to include all of
you. I'm not going to ask how much you carry. However, whether you
are on a $(or whatever your currency is) 500 a month budget or an
unlimited budget, you do carry some cash aboard. Not every place or
every one takes plastic. Not everyone can or will go to the local ATM
to get cash as they need it. Not everyone has/chooses to have the
ability to go online to make payments/manage their financial matters.
There are lots of scenarios.
So, realizing that everyone is different, expressed as a percentage
of your cruising budget, what is the approximate percentage of your
monthly, annual (or other time period of your choice), or total
cruising budget to do you typically carry aboard when cruising? Do
you replenish the cash funds monthly or on some other time frame or
do you just bring a "pile" with you and sail till it runs low and
then return before it runs out?
Does this change with age? If you are twenty something, do you carry
more than a 40 something or 60 something? Twenty somethings might
have less access to plastic and online access while 40 or 60
somethings might have lots more access and plastic or may need it
(cash or plastic) more for possible medical reasons or something else.
Does this change with the size of boat?
Does this change with the age of boat?
Does it change with design of boat (multi vs mono)?
One somewhat local "school of thought" says that the younger go with
less boat and less money but with most of it "liquid." The older go
with more plastic, more "toys" and are more electronically connected
since they are generally more wealthy due to their years of
accumulation.
Another has said that just about the opposite. Todays "kids" are more
well off and have all the "toys" and the older groups have sold the
"farm" to be able to go and are more careful in what they do, etc.
What say you all? We're waiting with "baited breath" X;{ for the list
consensus.
Rick
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