Here is a few tips when buying a boat and boat loan financing. Determine what type of boat is right for you. Secure your financing before you begin to shop. Take control of your financing and purchasing choices. When it comes to buying a pre-owned boat, nothing is more important than finding the boat that is just right for you – one that’s in good condition, at a good asking price and and one that you love and has everything you need. Boats come in many different types, sizes, and price ranges. Some are very basic, starting around $10,000, which are good to get out and have fun on the water. On the other end of the spectrum, there are $1,000,000+ luxury yachts. The first step toward buying an boat is finding out how much you can afford. Most underwriting require a maximum debt to income ratio of 40% to 45%. To calculate your DTI simply divide the total of your: monthly mortgage/rent payment + the total of your monthly credit card payments + the total of your other monthly loan payments + the maximum monthly estimated boat payment by your total monthly gross income.The internet has become a wonderful tool for boat shoppers. Buying, selling and financing all can be done from the comfort of your own home. You can find values at NADA,.
It’s important to understand how to finance your boat purchase and when you should begin the process of obtaining your boat loan financing through Southeast Financial.
When To Finance
Have your boat financing in place before you shop for your boat. This way you can focus on getting the best price for your boat. You’ll know your financing terms up front, and that’s one less thing to negotiate when you are shopping.
A fifth wheel is designed to be attached and towed by a pickup truck with a special hitch in the truck bed. These units, with two levels, provide the best experience of most towable RVs. The fifth wheel provides all the comforts of home and is perfect for the weekend getaway, a family vacation or even full time RV living.
A fifth wheel can range in length from 21 to 40 feet. An average cost (without the tow vehicle) is $23,800, with models ranging from $12,800 to $97,000. Depending on the floor plan that you select, you can sleep up to 8 people in a fifth wheel.
All towables, including the fifth wheel, can be detached from the tow vehicle at the destination. The tow vehicle is then available for traditional uses like errands, and short excursions.
The unique two levels of the fifth wheel put the spacious master bedroom suite over the truck bed. This allows more room for family activity in the living space of the unit. Many units include large pictures at the rear offering a panoramic view.
The majority of fifth wheels today offer at least one slideout. With the touch of a button, the slideout moves a portion of the RVs exterior wall out to enlarge the living, dining, sleeping or kitchen area. The slide is like an addition on your home.
Towing a fifth wheel requires a properly equipped and compatible full size pick up truck (or custom tow vehicle). You must match the weight of your trailer with a vehicle which has the correct towing capacity. (Please consult with your dealer for specifications.) GOOD LINK TO THE TOW GUIDE
New, lightweight fifth wheels are designed to be towed by smaller trucks. Call Southeast financial today for rate and terms on your fifth wheel financing 866-900-8949
More Americans are touring the country in an RV. And why not? The modern RV allows retirees and young families alike to travel without giving up the comforts of home—and typically for far less money than a family of four would spend on airfare and hotels.
If you’re ready to hit the road in an RV, Southeast Financial can help get you rolling with a range of flexible RV and motorhome loans.
Whether you’re making a new purchase or used RV, Southeast Financial can provide options and terms that fit your budget. We offer a variety of great rates and terms for RV and motorhome loans nationwide.
Apply for a RV loan online or by calling a Southeast Financial RV loan specialist at 866-900-8949.
Your route. First ask yourself, how long will ittake to get to your destination in a loaded trailer? Make sure to get good road maps for every statethat you will be driving through. Up-to-date maps and destinationplanners are often available for free on the Internet. A slightly longerroute via a major highway will often be faster than a direct route on windy, bumpy back roads. Traveling at a constant speed on smooth,level interstates is also much less stressful to your horse, both physically and mentally.
Pretravel desk work. This requires a bit of lead time. Stabling forms are usually part of competition entry forms,and both must be filled out and mailed to the secretary by a certain date. Even if your trip does not involve a show,stall reservations at your destination are required. If your trip will take several days, overnight stops along the waymust also be arranged. Do you need to order hay and/or shavings for use at your final destination? Think about howmuch your horse will need for the time away and how much you can bring from home in your truck and trailer.
Your accommodations. Don't forget about your own accommodations. Do you need a hotel room? That gives youa comfortable bed and a shower but may be expensive or far from your horse's stable. Camping out in your truck ortrailer (sleeping bag, cooler of food, big flashlights) saves time and money, and may be perfectly adequate if you are only gone a few days.
Your vehicle. Make sure that your truck is in good repair with a full tank of gas. Some trucks tow better with higher octane fuel, so consider this if your route will be hilly. Check the lights, brakes and tires on your trailer before you start to pack. (Once a year, the whole rig should be serviced at a reputable horse trailer dealership. See Guidelines for Safely Trailering Your Horse.)
Getting Your Horse Ready
Each horse will need a negative Coggins test, usually done within the past 6 months, for crossing state lines. Some states or competition sites may also require veterinary health certificates and/or proof of rabies vaccination within the past year.
Take some time to get your horse comfortable with loading, unloading and taking short trips in the trailer before you head out on a longer journey. Shipping is tiring for horses, who must constantly shift their weight and stance to stay balanced during the drive. It is the way you feel when you stand up on a subway train that is stopping, starting, turning and moving at various speeds. Most horses appreciate having hay in a securely tied net or feed bag to munch on during the trip. If a horse's head is tied, he cannot readily expel dust from his airways, resulting in a higher incidence of airway and lung infections. It is important to give your horse clean hay, and allow him to drop his head periodically at rest stops.
Make a list of everything you need for your horse's daily care, competition activities and emergencies. For example:
Hay, grain, supplements
Shavings or straw
Muck tub, wheelbarrow
Rake, shovel, broom, pitchfork
Water in plastic jugs for en route or emergency drinking
Tool kit and hardware (snaps, screw eyes) for setting up stall
Flashlight, duct tape, paper and pen, paper towels
First-aid kit for horses and people
Grooming kit, tack cleaning kit, braiding kit
Blankets, coolers, leg wraps
Tack – for riding, spare halter and lead shank, protective boots
Stall ID card – horse and owner information, emergency telephone number
How to pack supplies depends on the type of truck you have (pick-up, sport utility, van, or suburban) and the design of your trailer (gooseneck, tag-a-long, dressing room). It is great if you have one empty stall in the trailer that can hold all the bulky supplies, but few have that luxury. Make sure that everything is secure – even tied in with spare lead ropes – so that nothing will come dislodged during transit and injure or scare your horse
For most RVers, the best cure for spring fever is getting their RV or motorhome ready for the first camping trip of the season. The promise of hotter weather and longer days signals the time to prep the home away from home for another spring and summer full of family fun on the open highway.
To get the most out of your RV this season, follow our tips for preparing your RV for camping season.
Inspect the Outside of Your Rig. Your tires get a workout every season and are susceptible to damage caused by changes in climate. Look at them closely for cracks in the sidewalls and between treads. Replace any tires that have seen better days. Check the tire pressure on all tires, including the spare, and make sure the reading on the pressure gage meets the manufacturer’s recommendations. While you are outside, take a close look at the caulking around windows, doors, vents and seams, and repair any cracks, so water will not leak inside.
Test the Awning. Open your awning and examine the fabric for tears and holes. If extending the awning seems more difficult than usual, take your RV to your dealer’s service department to have the spring tension adjusted. Do not attempt to adjust the spring yourself.
Service Batteries and LP Items. Make an appointment with your RV dealer’s service department to check and maintain your RV’s batteries and products that use LP gas. Have a professional perform a load test on the batteries and replace them if necessary. A professional service technician should also test for and repair any LP leaks.
Check the Refrigerator. Vacuuming the back of the unit is a good way to keep it running efficiently. While you are back there, look for rust on the cooling unit and burner flap, and take it to a servicer if you find any corrosion. Make sure the inside is clean also, then turn it on and let it run for several hours to see if it is cooling properly.
Inspect the Sewage Dump Hoses. Because dump hoses have a limited lifespan, check them for tears and holes, and replace them if needed.
Maintain Security Devices. Replace the batteries in smoke and carbon monoxide detectors, and make sure your fire extinguishers are in good working order.
Evict Critters. Unfortunately, your RV or motorhome provides great winter shelter for rodents and spiders. Check inside and out for signs that unwanted guests have taken up residence. Open outside compartments, and look for spider webs and debris. Inside, open cabinets, and look for droppings and other evidence of pests. Remove anything you find.
The time you spend getting your RV ready for camping season is time well spent if it means peace of mind that lets you relax and enjoy friends, family and the RV life! Get your RV ready today, and enjoy the spring camping season!
RVDA Board of Directors Approves Revisions to Strategic Plan
Phil Ingrassia Assumes Duties as New President
RVDA President Phil Ingrassia
FAIRFAX, Virginia – The national RV Dealers Association (RVDA) Board of Directors has approved revisions to its strategic plan that will guide the organization as it transitions staff leadership from outgoing President Mike Molino to President Phil Ingrassia, who assumed his duties on April 2. Ingrassia previously served as the association’s Vice President for Communications.
“Our core purpose -- to help dealer members achieve and maintain success – remains the same, and the board has enhanced the strategic plan to focus on the issues RV dealers and the industry face today,” said RVDA Chairman of the Board Andy Heck of Alpin Haus, in Amsterdam, NY. “It’s clear that RVDA needs to have a strong voice in government and industry affairs as well as be a catalyst for dealer solutions.”
“As the association moves forward, the revised strategic plan will assist the board and staff in keeping RVDA resources focused in areas that will help dealers the most,” Ingrassia said.
Central to the strategic plan are five core organizational values:
Professional development and education RVDA facilitates the sharing of ideas and is a trusted resource for best practices.
Professionalism and integrity RVDA is dedicated to the highest standards of personal and professional integrity.
Equitable member participation RVDA encourages dealers of all sizes to participate in association affairs and supports diverse opinions.
Industry teamwork RVDA leads in the pursuit of excellence, innovation, and industry unity.
Advocacy RVDA is the leading advocate on public policy and industry issues that impact RV dealers.
“The current strategic plan builds on the good work of previous RVDA boards, including the core values and guiding principles, which are so important for stability and focus,” Heck said. “This is a great reflection on RVDA dealer and staff leaders past and present, because it shows that there is no confusion over RVDA’s long haul commitment to dealers.”
“This year’s planning process came at an ideal time for RVDA as a great leader, Mike Molino, steps down and I assume the duties of chief staff officer,” Ingrassia said. “I look forward to working closely with the RVDA Board of Directors, the membership, and other industry stakeholders to achieve RVDA’s goals.” The revised strategic plan is available at www.rvda.org.
Before becoming RVDA President, Phil Ingrassia served as the association’s Vice President for Communications starting in 2002 and joined the RVDA staff in 1996. In that capacity, he supervised the association's membership, industry relations, market expansion, and communications programs. He also served as RVDA's staff liaison to the Go RVing Coalition. He earned the Certified Association Executive (CAE) designation in 2005.
RVDA is the national association representing RV retailers. The association’s members include RV dealers, RV rental operators, and RV AfterMarket sales and service locations.
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