How do you guys with the G23 afford these boats?? Am i missing some trick?? LMK

[ironj32]

unless you're getting some kind of new pleasure boat subsidy from uncle sam, i don't think anyone here buys the story you're selling. you're paying for that depreciation, it's just being lumped into the new boat.

i can easily see how AllianceBJJ can come out a head on his.

[scottb7]

I think what he means - and this is his business, i get that - is that he makes the monthly payment, and when he traded in he was not "under water". So maybe he can keep monthly payment same and keep getting new boat. Could be possible. If you paid $600-700 month with a 15 year loan maybe with low rate there is enough going toward principal each month to offset depreciation.

[AllianceBJJ]

I think what he means - and this is his business, i get that - is that he makes the monthly payment, and when he traded in he was not "under water". So maybe he can keep monthly payment same and keep getting new boat. Could be possible. If you paid $600-700 month with a 15 year loan maybe with low rate there is enough going toward principal each month to offset depreciation.

Nope - sold by dealer and traded on my deal for exactly what I paid, even a few $K more in one instance....

Not going to get into hard #'s here, since I do not want anyone getting all upset over how much/little I have paid for my boats vs. them and getting my dealer upset either (I still want the price I was given on my G23 for the spring)....A dealer that does crazy volume helps quite a bit...When no other dealer in the country will take boats, my dealer does and they actually can sell them....They took 10 230s last year from another dealer in the state that couldn't unload them, and had them gone in 2 months...

Look, I am in the auto finance business (commercial lending side so I understand depreciation very well) and get carrying forward deficits and whatever....That's not what is happening here...don't believe, ok.....I'd be an effing idiot to keep losing $ every year....

[swc5150]

AllianceBJJ,
I made money on each of my 196's too, and of course no one believed me - which is fine. I also don't disclose what my awesome dealership sells us boats for

[gride]

i can understand doing a promo deal every year. from what i know about it it's a great way to go. people are different though. i personally like changing, removing, or adding things over time(applies to my vehicle also) in order to customize things to what i think is better or i like better. doing that year after year would be kind of hard. don't do a 15 year loan though. that's crazy.

[AirTool]

Believe it or not....My last few brand new 230s have been bought well under what used ones are currently selling for...

A lot of people would likely choke if they saw the deal sheet I had on my last few boats.....

I believe it.

[jsta281]

Lots of friendly good advice here. What I want to know is why you even asked the question? Did you think there was some secret Nautique G23 handshake that cut the price in half? Serioulsy, people that can buy a G23 have money (plenty of rich folks out there), or choose to sacrifice other "comforts" and amenities from their lifestyle to pay for such an awesome but expensive boat.

When I read you question it was kinda like one of those questions your taught not to ask like "how much money do you make?" or How did you land your trophy wife?"

Nonetheless if you are a young guy/gal trying out how to afford a G23 you can start by following alot of the advice on here.

[scottb7]

Believe it or not....My last few brand new 230s have been bought well under what used ones are currently selling for...

A lot of people would likely choke if they saw the deal sheet I had on my last few boats.....

How used? You paid what a one year old boat sells for not at dealer?

I guess like you said if you are in a market where you dealer can get top dollar for used boats and you get them super cheap...then maybe, uh....i still don't believe you...just kidding. could be.

[AllianceBJJ]

How used? You paid what a one year old boat sells for not at dealer?

I guess like you said if you are in a market where you dealer can get top dollar for used boats and you get them super cheap...then maybe, uh....i still don't believe you...just kidding. could be.

How will I sleep tonight? A guy on the Internet doesn't believe me?

Just kidding....maybe....

[jbach]

Believe it or not....My last few brand new 230s have been bought well under what used ones are currently selling for...

A lot of people would likely choke if they saw the deal sheet I had on my last few boats.....

well????? let's see it. trade in price and out the door price. you'd be doing a solid for your dealer on the free advertisement.

[AllianceBJJ]

well????? let's see it. trade in price and out the door price. you'd be doing a solid for your dealer on the free advertisement.

You really think that is a good idea? I would rather let some guys I do not know or will never meet think I am full of it.

I'd venture to say Phil does not really want me giving my deal sheet to everyone. I also don't think he needs free advertisement.

[1sicknautique]

Lots of friendly good advice here. What I want to know is why you even asked the question? Did you think there was some secret Nautique G23 handshake that cut the price in half? Serioulsy, people that can buy a G23 have money (plenty of rich folks out there), or choose to sacrifice other "comforts" and amenities from their lifestyle to pay for such an awesome but expensive boat.

When I read you question it was kinda like one of those questions your taught not to ask like "how much money do you make?" or How did you land your trophy wife?"

Nonetheless if you are a young guy/gal trying out how to afford a G23 you can start by following alot of the advice on here.

I'm 31 and it was just a question to see how people rationalize dropping that kinda coin. I guess I don't deserve one if im this wishy washy. In honesty I can afford one but I can't just seem to swallow 180 months and 600-700 bucks. I'm looking to purchase my 3rd nautique and a G crossed my mind. I apologize if this question rubbed you wrong, it wasn't meant to.

[AllianceBJJ]

You can come check mine out on Lewisville in the spring.

[lion90]

For me - here was my process.

Many years back, I started off with an "economy boat". Since then, I have upgraded 4 times and every time I moved into a new boat that is a little step up from the previous. Each boat I have negotiated great deals by buying in-stock boats and buying at the right time of year (left overs in off-season, etc). One of them, I got for *UNDER* deal cost back when the banking crisis was going on and a historical drought in our area. Banks/dealers just wanted to unload.

The combination of getting great deals on boats, taking great care of them, negotiating the next boat before talking trade has allowed me to lose very little on the previous boat and pay just a little extra to get a boat the next level up.

The progression went like this: Moomba XLV -> Supra 24SSV -> Nautique 230 -> Nautique G23.

Up until this point, every one of them were paid in cash. However, with the G23 I am considering financing a part of it (not a ton since I am trading my 230 and getting what I think is a good deal on the G23). I don't agree that everything should be paid in cash if you have the proper discipline and investment strategy. My house is currently financed at 2.75% and that interest is tax deductible. What incentive do I have to pay that off when my investments have averaged about 10% over the last 4 or so years (through bad economy)? I have money that I could take out of investments to pay it off, but it would actually cost me money long term to do so. The same could be said for the boat. With great credit you can get some decent rates on boat loans right now. If I can average better return on my investments than I pay in boat interest rate, why would I take that money out of the investment where it is doing great work for me? I think the key here is that if I *HAD* to pay off the boat, I could. If the investments don't perform, I can make the decision to pay the loan off, penalty free.

[1sicknautique]

You can come check mine out on Lewisville in the spring.

I may take you up if I can get out there this year. We have a lake house on lewisville in highland shores in the cove. Work relocated us to Atlanta and now have another lake house locally and NO boat. I can't live on the water and have no boat. I have 3 little kiddos and all three are playing sports yr round and the wifey has a rebuttal that I can't overcome with this situation.