A fle stor a rf ur sy boat 1
“Considering financing to fe ya ig cn on
-options saves money

you should presarrange your loan,
"This offers ou two major advantages: °

By Tara Quillian .

_ Contributing Weitew

One, you'll know: just what you can:
“ARE you dreaming of sailing | into

es

Uy, »
W's: easy to go’ ‘from showroom to. ‘show. ;

afford, ‘te
This helpy. cut down on the time’ ‘youl
spend shopping around. time you'd "d rather.
spend out on the water! -..
the sunset? And two, you'll find that having approved |
2 Are sea breeaei ‘and sei salt really’ what — fnancing already in place gives you a consid.
msyour heart desires? erable bargaining advantage in’ the: shows: ‘
Like many ‘of Us you may’ be dreaming, of room. \
“owning your own boat, Most .dustitutlons will offer you ‘two ”
cq We your dream could easily. become A financing options offloangy | iy 5
(fealty, The “tirse ‘is, term loans which cheraly -
Buying ‘a new boat isan expensive! deck: Zcome with w choice of fixed or variable rated!
sion; and one you'll live with for some time, | With-a fixed-rate“loan, you know exactly. -
‘It’s important that you have the thets you — what your, payment will be every month mak: wr
need to! make informed choles... not just : ing bud ering easyer!
“about what make and model co buy‘and how’ — On the other hand, a variable; rate loa
to'get the best price, but also on the:different «+ lets you save if interest rates go down, while
” kinds of financing available for, you, today,;..: _siving, you the option of switching to a fixed ©
First, make some decision before you) rate loan should rates'\yo up.
a TH Generally speaking, . variable. rat
less than, fixed rate joans. : oe 1
_foom; falling in-love with the new lineups, . he ‘second option is'a line of c dit, It
But‘ before, you do,’ sit. down: and: think ‘provides: instant-.access h
a Jong, and ‘hard about a few things, 0°04 pproved limit.:"~ : wh
The'time you spend planning’ before you Since it is. revolving line of credit; can: c
_ start shopping around will save you time and» be used again and again so, you don’t have to
possibly, money. in the long run, 8 _ Spend time making indivi ual‘ ic
Decide’ what you really need, * thons each time you need funds,
“Don’t be swayed : by expensive advertise: .. Lines, of credit.can ‘be’ fully “or partially
iments,” secured (GICs, bonds; etc.) ‘or Yinseclred
Ask: ‘yourself: What can afford? What Now that you: know. how
type of boat do I need ‘and will my: needs afford, start shopping around
change down'the road? 6.2, ke You've, determined what, your needs:
“Second, compare what financial institu:! You've: compared Rinancial, institution and
tions have to offer. ., what they have to offer.
The most important shopping around you “You've pre-arranged your loan so you can
» do, may not be, from showroom to. show: start: looking around at: call those | beautiful
room, " “boats, . 7
Compare what fi nancial institutions ‘have Good luck and py sling!
f

fn Oe anes og A he. Caribbean * Mediterranean. * Pacific * Loc
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a _. Vacations + Fishing”:
Or Sa:
Gitar :

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e-mail: Fee enone com *

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INFLATABLES -
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Come by land.
= or by sea, We
- “provide parking -
or moorage while *
. you're shopping in
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: . Fishing Information
* Salmon’ Fishing

= = “Rod & Reel Repairs

1 113. Lonsdale Aves N. Vancouver

° Steetheading
© Fly & Trout Tackle 4:
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Call Dave

986-3239) =

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ofa accessories.

| Evehpson

he Boat Centre « 921-7438

“OF Years of business asthe North Shore’s most complete marine dealership |

6695 Nelson, Horseshoe Bay West Van. [Behind Boathouse, Restourant)