fishinggeek

Sorry about the dumb question, but can someone explain how to charge my boat batteries step-by-step? I couldn't find it on google. It's intimidating because there's a wing nut on each terminal, and a metal post. Do I take off the wing nuts, or just put the clamps on the terminal? Do I do the positive or negative first, or does it matter? I know I'm not that sharp with these things so feel free to laugh at me!

Thanks for all the info everyone, especially your detail tixfun! It sounds like the area is dicey. Any other G-Bay launches that are close, safe, and reliable?

Thinking of trying Honey Harbour area sometime. What's the nearest boat launch? Tried googling but wasn't sure which ones were close to good fishing spots.

Came across a good deal on a remote control outboard. What's the difference between a remote control model and a traditional model? What are the advantages and disadvantages? Sorry I'm a newbie when it comes to owning a boat.

This board rocks! Thanks everyone!

Can a new plug end go into the wires that have been cut? How do I install it?

Thanks for all the suggestions. What about the option of re-wiring the trailer altogether? How hard is that? I was at Canadian Tire and saw some pretty cheap Reese sets.

Accidentally cut through the wiring on the trailer when installing the swing tongue. How can I fix it? Do I need a whole new wiring sytem, can I splice it, or is there a way to somehow open the adaptor, remove the cut wire, and re-install?

Princecraft and Toronto. I'm seriously considering trying it. What's the worst thing I could do? If I cut off the tongue, can't move the boat anywhere to get it fixed so I'm worried about that. I'm all for doing things myself but I really haven't done anything like this before. Perodimi, Cerka's website's a bit confusing. They're pretty close so can I pick it up or do I have to get it shipped? I emailed them and they just referred me back to the website.

Lew, I can't even put Ikea furniture together! If I tried to install it, I might have to re-learn how to type if I lose an appendage.

Hate to bump. In fact, I don't think I've ever bumped so let me apologize in advance. But I really need this installed before the season. Any ideas? DIY is awesome, and trust me I would, but I wouldn't know where to start. First thing to do is cut through the metal, and I don't even own a saw, jack stand, torque wrench, etc. that are required to DIY.

Thanks for the info. I'll look into it, but not very handy. Anyone else have any suggestions? $100 is a steal though.

Looking to get a swing tongue added on to my existing trailer. Can anyone recommend a place to do this at?

Playing devil's advocate, I'm not sure that's the entire story, for a few reasons: -Leaving it in the market, Holdfast exposes these investments to risk, and they have a chance of going to zero. Paying the mortgage, at least nominally, is risk-free. -Since residential real estate is inherently less risky than mutual funds (and probably have very low covariance), and since he'll be less financially leveraged, he'll almost surely reduce his overall portfolio risk. -His gains will be subject to taxes if he did realize some, even if it's registered whenever he withdraws it, but the interest savings on a mortgage is not taxable. -Securities have costs, like management fees in mutual funds, that he'll have to pay over the time he stays invested. Paying down a mortgage does not have these commissions or trailer fees, though it may have a penalty depending on the contract. -Paying down the mortage will give him instant cost savings that are compounded over time. Waiting in the markets to realize a gain diminishes some of this time value of money. -Securities are very complicated. It is difficult for even large institutional investors to make money and they have the scale and expertise that us retail investors do not. It'll be much less stressful to paydown the mortgage, all other things being equal. Certainly it's not a no brainer to pay down the mortgage, but it surely is not a no brainer to go the other way. I cringe when some investors are too naive with the markets, thinking that they'll be refunded any losses over time. This may or may not happen, but the opportunity costs can be high even if it does.

Roy, this is probably the best advice I've ever heard. Unfortunately we cannot undo time but hopefully the future holds some prosperity, even if the prosperity isn't financial. Holdfast, not sure there are many financial advisors willing to do quality work on 20K, and for the ones that are, be wary as they are probably paid by the folks who own the product they recommend to you. To me, Roy's advice is first and foremost. After taking his advice and making sure you take care of yourself in non-financial terms, I'd likely paydown my mortgage, depending on what (if any) penalty there is to do that. In order for it to be worthwhile to not paydown your mortgage, you'll have to earn returns above your mortgage rate after tax and adjusted for risk (and add any pre-payment penalty, if any). That's a huge mountain to achieve, especially when adjusted for risk. It might be wise to save your time and stress (and maybe future disappoint), and just put it on your mortgage.

I say no, usually. Remember an extended warranty where you pay for it is really just an insurance policy. For the insurer to make money, the money you pay in premiums has to be grow to more than they pay in claims. That means they charge you a price for this based on the likelihood you'll file a claim. So if insurance is cheap, then what you're insuring for is either very unlikely, very cheap to fix/replace, or both. And if insurance is expensive, then a claim is either very likely, very expensive to fix/replace, or both. The real value of the policy is it reduces the risk of a rare event, which can be important for something you can't recover from. You'll almost always be better off putting your money that you would have paid for the warranty into your own personal wealth, like paying down debt or an rrsp contribution, on average. But if you're better than average, (say you never drive at night, in bad weather, drive defensively), then the value of your policy goes down. If you're worse than average, then the policy's value goes up. If it were me, I'd see if I could recover finally from it, and how I fare with respect to the likelihood of a claim. So if I could recover financially from a claim, say I could easily afford a replacement used car if something were to happen, then I'd never buy the insurance as I'd do better on average by using it in other ways (pay down debt, invest). If I couldn't recover from an event, then I'd see if I was more or less likely to experience a claim than the insurance company might guess (ie. they don't know if I drive defensively, don't drive in bad weather, whatever). If I was much less likely to have a claim than the insurance company would guess, then perhaps I'd get the insurance. If I was more likely to have a claim, then I'd never get the insurance. This is nothing new, and something I learned in my days learning economics. It has to do with the fact the company doesn't have perfect information about you, and if everyone played this game (called "adverse selection"), then everyone's insurance would go up as a result because the insurance companies wouldn't be as profitable if everyone did the "right" thing and played the game of adverse selection. Personally, I never buy insurance unless the law requires it (like car insurance) or it's for an event I couldn't recover from (like home insurance). And since I'm not self-employed, where premiums are tax deductible, it makes insurance for guys earning wages and salaries relatively more expensive. So personally, I'd never touch that extended warranty.

Thanks for this thread. Another establishment that doesn't cater to their customers it seems. I'll scratch it off my list.

Thanks for the recipe. I also won't try these coating because of all the junk ingredients that are in them. I've made coatings like the one you mentioned and not only are they better for you and cheaper, but I find they taste better too. Plus you can control the amount of salt and spice to your liking. They're really easy to make, and I make bigger batches so I can store the rest.

That's a lot of dough to dish out on a suspect lure. I don't think finishes are all that, and certainly wouldn't pay such a high premium (IMO) on these lures. This thread is what it is, but I suspect there's quite a bit of spam in it. All the more reason not to buy them, for me at least.

Le Baron has a Diawa Heartland model that's cheap. Picked it up once and it felt pretty good.

Doesn't sound free to me, but count me in if it is!

Congrats! That's a monster! I thought Cliff's salmon were pretty big until I saw this one.

I concur. They'll never see a dime from me or my family. I'm much more inclined to believe a reputable newspaper like The Star than someone posting for the first time.

Thanks for bringing it to my attention. Businesses that don't play fair really tick me off. Not to hijack this thread, but http://www.ocoa.ca/Pages_MNRnews/index.htm is the conservation officer's association website and they list convictions of individuals and businesses. You'd be surprised at how many companies have been convicted that one may have dealt with, such as William Kitts, owner of Temagami Marine, who has been convicted 3 times for altering the shoreline. I suggest a quick browse for companies you may be considering.

Neither look very silver, but congratulations on catching a couple nice ones!