MINNEAPOLIS - In a sort of "The Voice" like battle round KARE 11 pit Crystal Pierz Boat Center's dealer Matt Ness against Bay to Bay Boat Club's "boat clubber," Tom Jacob.
"Enthusiasm is high," smiled Ness. "Boating is a passion."
"We take care of everything for the customer," said Jacob.
Between the two of them, they can rattle off all of the positives for either a new boat purchase or to join a boat club, but really, the bottom line is how much everything costs.
The boat club is rather simple.
Bay to Bay offers a full service membership for 30 uses of any of its boats.
The membership includes toys for the children, it's completely hassle free, all you have to do is just board the boat and go.
The price is $5,000 per year, which breaks down to about $417 per month.
The price for a new boat is pretty similar.
For anything comparable to what the boat club offers, you're going to have to spend roughly $40,000.
Banks and dealerships often require at least 10% down.
Interest rates these days are right around 5.99%, financing is generally over a 12 year period, and according to those terms the price is about $379 per month, but that's just for the boat.
"We recommend every year that you do winterization, it's $150-300 per year, you should budget for that," explained Ness.
As a new boat owner, you also have to pay for storage, insurance, the slip, turning $379 quickly into more than $400, possibly even $500, throw in all of the toys and gear and the expense is even more that first year. But you own it and it's yours to do with what you wish.
"They can set them up to do whatever they want them to do," said Ness.
"Boats are not cheap," said Jacob.
They certainly aren't, and you'll find it really boils down to personal preference of how much you can afford and how you see yourself spending summers.
Occasionally you can find discount deals when you finance a boat.
For example, Crystal Pierz Boat Center offers 2.99% financing over the next couple of weeks.
Additionally, Bay to Bay Boat Club offers a cheaper membership for fewer uses and more time restrictions.
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