J Francho

I could have sworn you made the jump to Team Massengill ;D

The shop I work out of sells Swift kayaks and canoes, which are somewhat similar to yours. I'm familiar with them. Very lightweight. David Yost, a very well known hull designer lives in my area. Chances are, if you've paddled it, DY prototyped it.

I have a few uncles that are VERY close to my age. Talking 3-6 years older. While I refer to them as Uncle Eric, Dave, Jim, etc. I don't always address them as such. Since we all grew up together, they are like my older brothers, and we are all very close. Otherwise, I use uncle or aunt before their name. The only exception was when I was working for my family business. My uncle Jeff didn't care for it during working hours.

Did you get any on you? I wish they'd all go south. Some camp out here year round. Some people feed the darn things.

Catt, I think you'll find that The Great Lakes weeds out the junk. Personally, I am looking at an Xpress right now. I've been in three, and they are hands down the finest tin bass boat out there.

I just read this. Very sad. Not how I want to go.

LMAO. Are you actually saying that a Lund is less durable than a Tracker? It doesn't work out that way because of rivets/welding. its about the whole process.

For now, Bass Clubs would be a logical choice.

I only said it was better for me, and my situation. I think it may be something Speed might look at, but for now what he's doing is fine. There's quite a bit of security in owning your home outright. If I had THE right house, in THE right spot, and was going to stay there until the bitter end, then I'd consider dumping that mortgage, so I could do "other things" to the property, like build a bass lake, LOL.

Off your meds again? ;D ;D ;D ;D

It helps if you know there's an easement. Then you can remind them that they are getting a tax break for allowing me to fish the stream. I don't get any friction though. I don't leave a mess, try to clean up others' messes, and make friendly smalltalk with the landowners.

I would not consider anything Ike owned, unless a considerable markdown was offered. He's tough on his stuff.

Calcutta 200B or 300B and 25# P-Line CXX.

Not my subdivision, LOL. Its about a mile hike from the parking location. You have to use the stream as your route, since its part of an easement. You can't simply cut through the yards, but as long as you use the stream, you're kosher.

That is actually right in a subdivision's back yards.

Yay, men arguing about their rods. Pretty silly. I think we're all done here. Hopefully the OP got the info he asked for. This one is gone.

Thanks man. Many winter trout come from that stream....

Hooray Photomatix!!!!

I thought that was a nervous tick. :-?

No, I pay extra every year. Its just not in my official budget to do so. I also put money into updates and upkeep. Updated bathrooms, roof, windows, etc. I'm just not sure if I'm going to keep the house until its over, or high tail it out of town someday. In the meantime, I beat the heck out of it, use it, and pay very little for it. To me, its not a show piece, I'm not building something as a showpiece or expression of myself. Its a nice place to live, and raise a fam, that's all. Everybody's situation is different.

LOL, congrats Wayne. tyrius, I know all of that. Was looking to get a response from the other side of that argument. Won't happen, I'm sure.

[movedhere] General Bass Fishing Forum [move by] J Francho.

Saving/reducing the total cost of the loan by a hundred grand sounds like a pretty good investment to me. Paying it off quicker will yield more money in interest savings than investing it somewhere else, particularly in the beginning. Here's how, and don't laugh at our mortgage payments, the largest of our three mortgages was 102.25 per month. A rough breakdown of the amortization schedule showed that in the beginning, nearly ninety percent of the payment was interest, and only ten percent, give or take, was applied to the principal. (90 bucks for interest, 10 bucks to reduce the principle balance.) The next payment was a few cents less for interest, and a few cents more applied to the balance) So, if we paid an extra ten bucks against the principle, it saved us ninety bucks in interest. Paying ten to save ninety is a pretty good return on that ten spot. Granted, as time goes by, the savings per month shrinks, and at some point that money might be better invested elsewhere. Refinancing was a great investment. I can think of no circumstance where renting is preferable to owning. You'll never get a cent back that you paid in rent, nor will it provide any equity. The problem at the moment is that home values are in a state of flux, mostly downward. Here are the numbers on our home owning experience. 1965 bought our first home in Holliston, MA for 18,900. Moved to Cape Cod in '69. Bought a home in Eastham, MA for 23,500 and sold our Holliston home for that amount. We put 3000 on our first home. Put over 7,000 down on our new home which is what we ended up with from the sale of our first. In 1972 we moved to Westport from the Cape and sold our home for 33,000 and walked away with over 15,000 in hand. Bought a new pickup for 3,000, put the remaining 12,000 with a 12,000 mortgage and we built our current home. We only finished the first floor and moved in. Since then, as we could afford it, without having to borrow, we finished the upstairs in stages, remodeled the downstairs, added central heat, and air. For the first three or four years that we lived in the house we heated it with a wood stove. Today, even with prices down, we pay taxes on an appraisal of nearly 500,000. If something were to happen financially, we could sell it and buy a smaller home. Had we rented, we'd have a few boxes full of paid rent receipts worth zero, and an equal amount of equity. Getting off the soapbox. I made my point....

Shut it!