It has been so hot this summer that I wouldn’t have wanted to take our boat to the lake if we still had it! We enjoyed our boat when the kids were in middle school. They learned to ski and rode a big inner tube we hooked to the back of the boat. At that time, boat loans had a low interest rate so we had great entertainment at a low price. We’ve been fortunate to have good credit and have had no problems getting personal loans for our toys. I see many boats at the bank that are for sale. People let their wants get ahead of their means and when they can’t pay their secured loans, the item is repossessed and becomes the property of the lending institution. Thank goodness, that never happened to us. Of course, we never bought the most expensive toys. We didn’t have to have all the bells and whistles like some people. As long as it would start when we put the key in the ignition, we were happy.

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