The AAPHI Blog

Every student wants scholarship. The realness is only a few achieve them. Every year millions view for scholarships and the other shocking fact is even many of them go unused year after year. They are entirely different from loans. Though it is difficult to get one, it is a pride to have that easy and lovely gadget on you resume.They are myriad numbers of scholarships that are available according to the ranges, amounts and countries. Some students can avail them even before attending college. Many schools, colleges and universities have their scholarships listed on their website. You have to make it clear that securing a scholarship is really hard and you have to be lucky. Some types of Scholarships: Merit-based: People with premium academic achievements are lauded with these scholarships. The academic excellence might be in the form of GPA, SAT scores and etc. These are very highly competitive. Need-based: These are devised to fund students with normal academic careers. They are based on finance. The scholarship committees and groups take many things into circumstance like parents income, cost of living expenses, and number of dependants in a family etc.Athletic-basedUniversities honor top-athletes with these. Education fee is completely waived for many athletes and even paid for sports. Whilst in high school, scouts are given full-scholarship athletes. This is awarded by the universities. School-based for individuals: Different schools offer various scholarships relevant to department and majors. They are donor based, individual name, personal scholarships etc.For a few scholarships, you have to apply; for a few, you are automatically accepted. Full/Partial scholarships: Scholarships do not cover everything all time. Some are partial; only cover a few things like scripts and living or a part of tuition-fees. Getting a full scholarship is lucky and gratifying. Whether, it is partial or full that you get; just take it. It is really a fantastic gift that boosts your career. For Global Students: Many universities award these scholarships for overseas students. Very few cover entire tuition fees and many of them waive a part of tuition fees. Another departments, different states exclusively offer for international students. University websites provide more details on this.

Do you need to find somewhere that specializes in loans for bad credit ratings? Ever thought about applying for a payday cash advance? One of the advantages getting a payday money advance gives you is not having to fight with the various bureaucracy applying for a traditional bank advance requires, such as prolonged delays and credit checks.

Many reasons exist for getting instant quick pay check advances. What if the children have an unforeseen expense or a member of the family has been injured? Perhaps an article of furniture like the dining table has broken and you have to buy a replacement or one of your windows has been smashed. Nobody wants to bounce a check because their income is less than they thought it would be. It can happen to the greatest of us and quick, easy pay check advances can help you get out of a difficult spot.

So what good are faxless, same day pay check advances? Just as an example, for anywhere inside seven to thirty-one days you can get hold of any amount from one hundred to one thousand dollars. Simply decide on the amount you want to borrow and send your request with your information; once your request is approved, the agreed upon amount should be automatically put into your bank account or wired to you. Repaying your loan involves paying back the total you were advanced in addition to a small flat fee for every one hundred dollars you borrowed on your next pay day.

Before the outstanding balance has to be repaid you can roll the loan over to the next pay day up to 4 times. Do you require more information? Look for “instant approval same day pay check advances” online.

Should you not meet distinct crucial prerequisites, you won’t be able to apply for one of these advances. First, you must have held a job and kept a bank account for the past ninety days. An income which is at minimum one thousand dollars every calendar month and the use of direct deposits are other fundamental qualifiers. Providing the amount owed is paid fully every time you can get one hour, easy pay day advances as many times as is necessary.

No Teletrack same day pay check advances may be just what you need if you’ve got to get some money quickly. Getting quick, easy and stress-free emergency money is one of their fundamental advertising points. Besides, who would want money problems when there are the joyous things in in life? Getting one of these same day pay day advances offers you the ability to do it.

For most people, choosing a car is a slow, well-thought-out process - and choosing a car loan should be much the same. However, many people simply go with whatever finance deal they are offered at the showroom, even though there may be much better car loans on the market. By planning well and choosing the right loan, you can save yourself a lot of money in the long run.

Here are some tips for choosing the right car loan.

Make a plan
Plan how much you want to borrow, and for how long. Don’t be tempted to get a bigger car loan for a more expensive vehicle unless you’re sure you can afford it.

Plan your car loan in terms of monthly payments. You need to be sure that your payments are affordable and that you will still be able to afford them if your other costs of living rise. If your car loan payments are going to leave you with very little disposable income, you should probably play it safe and find a cheaper alternative.

Shop around for the best car loan
Taking your time and looking at what’s available in the market could well find you a deal with a lower interest rate, which can save you a lot of money. The interest rate you are offered will vary depending on your credit rating, but anyone can save money by taking their time and finding the best deal.

Check the total repayment figure
The interest rate of your car loan and the length of the repayment term will both affect how much you pay in the long run. If you can’t find a lower interest rate, is there any way you could repay the car loan more quickly? It might be worth making a few short-term sacrifices if it saves you hundreds of pounds in interest.

Once you’ve done the calculations, take a good look at that overall figure. If that £2,000 car is going to cost you £3,000, do you really need it that much? Would it make more sense to save £2,000 - and then buy a similar car for £2,000?

Protect yourself
It’s impossible to predict what could happen in the next few years - even if you’re sure your car loan payments are affordable, redundancy or a personal injury could seriously damage your ability to keep up with repayments.

So it often makes sense to consider Payment Protection Insurance (PPI) on your car loan. If at any point you find yourself unable to make payments due to circumstances outside your control, your car loan payments could be made by the insurance company for a pre-agreed period of time.

You could also look into gap insurance, which could - should you have an accident - cover the shortfall between the market value you receive from your (standard) motor insurance claim and the greater amount due under your loan agreement.

Read more about car finance & car loans at www.thinkmoney.com/car/.

Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. In other words, the mortgage is a security for the loan that the lender makes to the borrower. And of course, each loan and each borrower are different. So how do you find a lender or broker you can trust’ Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Different lenders charge different fees. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 8 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Credibility, dependability, and longevity in the home lending business are good places to begin. Some will quote you precise, competitive rates 8 percent. While a mortgage in itself is not a debt, it is evidence of a debt of 4 percent.

Translated in Ducth it says: Woon je in Albrandswaard of Borsele en hebt u BKR registratie’ Lenen met BKR is nog nooit zo eenvoudig geweest. Koop een nieuwe caravan met geld lenen aan kinderen, 412083 euro is altijd mogelijk om te financieren. Van Ameland tot Cromstrijen, geld lenen met zonder BKR registratie gaat hier altijd.

It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

See which lenders are charging fees 8 percent and for how much. A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 11 percent. Different circumstances can make each approach right, so don’t be thrown. Although most mortgage experts say that rates 11 percent are pretty much the same wherever you go, give or take this tiny 3 percentage. Many of these fees are fixed but some can be negotiated.

Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. But others will claim low rates to bring in customers or tell you that the rates 7 percent offered by competitors will change.

See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. Both banks and brokers have their strengths and weaknesses.

Many of the merchant banks wil show you a interest rate that is looking sightly but doesn’t feel considerably or so after some time. Analyze to see if the moneylender who you a money loan is upright. A merchant bank in Greenwood Indiana or so may have a total different actual loan rate for a 27500 dollar loan then a bank in Napa California and that makes a immense clear difference in your monthly pay offs.

Translated in Dutch: Woon je in Westland of Houten en hebt u BKR verleden. Lenen met zonder BKR is nog nooit zo eenvoudig geweest. Verwen jezelf met een andere caravan met hypotheek met negatieve bkr vermelding, 354767 euro is geen probleem om te financieren. Van Vlist tot Urk, geld lenen met BKR gaat hier altijd.

Now you can inquire rates quickly and ensure if there are possible sneaky traps you should be aware of. 8.4 percent rate of interest may look so sightly but will it stay unvaried after you have to give back your money loan. now you need to investigate and run into if you can have a credit loan at a safe percent interest rate. It doesn’t matter if you live in Duncanville Texas or in New Rochelle New York a good online analysis will palliate you often lots of ail. Be burnished today to if you have a nice offer or if you don’t with the merchant bank that offers you a bank loan.

It makes no difference if you live in Lewiston Maine or in Euclid Ohio a safe online analysis will spare you often lots of incommode. Be bright today to inspect if you have a special offer or if you don’t with the bank that offers you a loan. 5.9 percent rate of interest may come along so just but will it stay unalterable after you have to pay for your credit loan. of the banks wil show you a loan rate that is looking honorable but doesn’t feel well or so after a period of time. At this moment you can check into rates quickly and calculate if there are possible traps you should be aware of. Investigate to see if the merchant bank who you a credit loan is . That’s why now you need to check and find out if you can have a bank loan at a serious percent rate. A moneylender in Daytona Beach Florida or so may have a total totally different actual interest rate for a 25000 dollar money loan then a merchant bank in Ogden Utah and that makes a huge clear difference in your yearly pay offs.

Translated it says: Woon je in Hof van Twente of Dongeradeel en heeft u BKR registratie. Lenen met BKR is nog nooit zo eenvoudig geweest. Verwen jezelf met een andere caravan met geld lenen met bkr registratie, 481607 euro is altijd mogelijk om te lenen. Van Noordwijkerhout tot Arnhem, financieren met BKR kan hier altijd.

A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 3 percent. Both banks and brokers have their strengths and weaknesses. But others will claim low rates to bring in customers or tell you that the rates 5 percent offered by competitors will change.

Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

See which lenders are charging fees 8 percent and for how much. Although most mortgage experts say that rates 11 percent are pretty much the same wherever you go, give or take this tiny 5 percentage. Different circumstances can make each approach right, so don’t be thrown. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

The Dutch translation says: Woon je in Leerdam of Bergen en heeft u BKR notering’ Lenen met zonder BKR registratie is nog nooit zo gemakkelijk geweest. Koop een andere auto met leningen met negatieve bkr, 337863 euro is altijd mogelijk om te financieren. Van Scherpenzeel tot Renswoude, geld lenen met en BKR codering is altijd mogelijk.

So how do you find a lender or broker you can trust’ Different lenders charge different fees. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Many of these fees are fixed but some can be negotiated.

Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Some will quote you precise, competitive rates 7 percent. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. While a mortgage in itself is not a debt, it is evidence of a debt of 9 percent. In most jurisdictions mortgages are strongly associated with loans 4 percent secured on real estate rather than other property and in some cases only land may be mortgaged. And of course, each loan and each borrower are different. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 11 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Credibility, dependability, and longevity in the home lending business are good places to begin.

I get a lot of questions from people about car financing. And it makes me wish that more people were educated on how owning new cars can be the biggest destroyer to their personal net worth. I don’t mind automotive manufacturers earning a lot of profit, and I know of one that earns the majority of their money by financing and leasing cars. It just doesn’t have to be your money, all the time.

There is a spectrum of two extremes that you can follow for car ownership. You can hold brand new cars for only a couple years (buying or leasing) or you can hold each vehicle for well over 5 years (and maybe buy them used in the first place). You can already guess which one is financially healthier, but it will help if you know why.

It is my observation that owning a brand new car for less than 4 years is the biggest destroyer of anyone’s net worth. I have a lesson plan for you if this is your preference of car ownership. Each year, you should be forced to withdraw the cash equivalent of the amount that your car depreciated over the last year. Then you take that wad of cash, and in front of your parents, spouse, kids, and financial planner - you feed it all into an industrial paper shredder that turns it to dust. It is just a little helpful tip from me to illustrate what you are doing to yourself.

When billionaire Warren Buffett was young, he refused to replace his old Volkswagen for many years even when he had the money to buy a new one. Why? Because over his lifetime, he knew that having $20,000 invested over decades would grow into millions of dollars in net worth to him.

Car owners also shouldn’t hold on to them forever, because there is an inflection point where the longer you hold onto a car, the better it would have been to replace it. How can this be? It occurs when the annual repair costs of the car outpace the drop in value of a newer car. Let me explain: let’s say that you are driving your 25-year-old-junker and are paying $4,000 a year in repairs to keep it loping along. Now, if instead you had replaced it with a newer car (maybe still under warranty), and it only dropped $3,000 in value - you’d be $1,000 ahead, happier with a newer car, and relieved at many fewer trips to the dealership over breakdowns.

It is too foolish for me to even begin addressing the financial damage of leasing a car, or getting an auto loan for more than three years and getting upside down (when you owe more on the car than what it is worth). Just avoid leasing and +4 year loan payment plans because these are the money-makers for the companies on the other side of the transaction.

Taking all this information into account, it is my opinion that the following is the financially optimum car ownership model: buy a car that is about two years old with less than 20,000 miles, and keep it for at least 5 years until the repair costs start exceeding $2,500 a year. As a general guide, this will help you avoid the sharp depreciation in the first two years and give you a car under warranty for a while, and then you bail out when the expenses start getting out of control.

investing.real-solution-center.com

If you have decided to take a boat loan you need to keep a few points in consideration. First and the foremost thing you need to do is to decide which boat you wish to buy and find out its price, this will help you in determining how much funds do you need. The next thing is to unearth how much money you have to invest in the boat. Both these steps will help you in finding how much money you exactly need to borrow with a boat loan.

There are two types of boat loans available in the loan market - secured and unsecured boat loan. Secured boat loan requires a borrower to put some kind of collateral to become eligible for the loan. Tenants can apply for an unsecured boat loan, which does not require a borrower to put a security against the loan. In the same way, homeowners who wish to protect their home from the risk of repossession too can apply for an unsecured boat loan.

Boat loans are offered at both fixed as well as variable rate. In case of a fixed rate loan, you will have to pay a fixed sum of money every month; this loan option will help you in accommodating your budget each month. On the other hand, in variable rate loan or adjustable rate loan the interest rate fluctuates with market interest rate. This interest rate loan option will allow you to take advantage of the falling market interest rate. At this time, you can expect the lowest rates in recent history. Loans are now amortized over 15-20 years, require 20% minimum down payment and, fixed rates are from 5.5% to 6.75%.

Marine loans generally have no points on the loan. They are all “simple interest” loans with no pre-payment penalty. If you know you will only keep the boat 2-3 years then the “out of pocket” expense is surprisingly low. Many yacht buyers have a three-year “itch cycle”. That is, they keep a boat for three years, then they “get the itch” to sell it and try out another boat for three years. If your credit score is less than 600 then the situation may be difficult. Lenders mainly look at the debt to income ratio. Use only marine lenders, as most banks do not understand the yacht lending business and don’t lend for yachts valued over $100K.

If you know your income as shown on your tax returns will be not be at least 200% of your debts then ask for a “no-income verification” loan. Essex does these.
Do take into consideration the various fees associated with the boat loan that sometime results in a low cost seeming loan turning out to be costly. A boat loan may accounts for fees such as underwriting fees, processing fees, cost of credit report, and other related costs. Make sure to consider all the cost involved which will help you in deciding which loan option is best suited to your needs.

When you reach out in the market to find the best boat loan there will be an enormous number of lenders offering you great loan deals. Now, you have to decide whether you want to undergo the lengthy stressful loan process or a fast, easy and cheap loan. The Majority of you will opt for the second option as everyone wishes to save his or her valuable time and money. Online lenders aim to provide you with the comfort of getting a cheap and fast boat loan arranged.

Online loans are easy to apply for. All you do is fill out an online application form with some of your personal and financial information. Lenders will get back to you with the loan deals they find appropriate for you. Don’t accept the very first loan deal you get. Search around, collect loan quotes from lenders and compare them to find the loan deal that you find to be perfect matching your needs and desires to the best

The Application Process

Some lenders will require a full written application, while others will take the application right over the phone. This primarily depends upon your loan amount - the more you want to borrow, the more details need to be provided. The important thing to remember is to be as complete as possible and you will find the process will move along much more quickly. Include complete name, address, phone numbers, employment details, income as requested, details on home ownership (if applicable) and all monthly debt service.

When income verification is required, depending on the size of your loan request, you will probably be asked to provide copies of your tax returns for the past 2 years. You may also be asked to prepare a personal financial statement, which is simply a snapshot in time of your assets and liabilities and shows your net worth. The information requested is necessary to provide the best loan decision, so your cooperation is a plus.

Have all of the boat information available for the application, such as year, make, model, power, optional equipment and any upgrades. Identify the total cost, which will include

 the purchase price

 any equipment upgrades or additional accessories you may be considering

 any sales taxes that must be paid at the time of purchase

 registration, title, or documentation expenses.

You will be signing your application, which will include your authorization to have the prospective lender or financial service company examine your credit. If you do the application over the phone you will be verbally authorizing the credit review.

The Loan Underwriting Process

The boat loan decision process is, really, quite simple and straightforward. There are two major aspects that are examined; You and The Boat. You:
Your credit history will be reviewed for continuity and satisfactory repayment of present and past credit obligations, looking for loan amounts comparable to your request. Of particular interest will be the level of revolving debt (credit cards) you have and the limits of your credit cards, expressed as available credit.

Another important factor is debt to income ratio. The lender will look at your present monthly obligations and add the monthly payment for the boat loan (they also may add presumed operating and maintenance costs of the boat) to determine your monthly debt. They will compare this to current income as stated on the credit application or verified in the tax returns. Your net worth may be considered for stability and as a secondary source of repayment.

Many boat buyers are very worried about how their credit report will affect their ability to buy a boat. Most people will not need to worry about the effect of their credit history during the boat financing process.

However, you can be better prepared if you get a copy of your credit report to review before you apply for your boat loan. That way, if there are any errors you can take steps to correct them before you make your application.

If you have had credit problems, be prepared to discuss them honestly with a boat financing professional. Responsible boat loan professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. If you had a problem that’s been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.

The boat loans industry grades a person’s credit like many other industries. Grades are based on payment history, amount of debt payment, equity position, bankruptcies, credit scores, etc.

Market Value

The process here is for the lender to be satisfied that the selling price reflects a realistic market value of the vessel, your down payment meets their guidelines and is in line with your credit profile, and they are comfortable with the loan-to-value. Other factors come into play, such as the type and age of the boat you are buying.

The lender will research the market value of your boat through various sources that include price guides, comparable boats on the market, discussions with yacht brokers about the boat and what other comparable products are selling for, and a marine survey by a professional with whom the lender is comfortable.

Bank Catch 22

Sometimes banks say they are “interested in yacht lending” but they are really only interested in finding that “one in a hundred golden borrower”… so you waste your time filling out forms only to be rejected if you don’t have 110% perfect credit. Have a current copy of you tax return to fax them for a quick verbal approval before proceeding.

Avoid Stamp Fees

For those who live in Florida keep in mind if you are traveling, sign your loan documents out of the state of Florida to avoid paying “State Document Stamp Fees” If you sign your loan paperwork in Florida you will pay a state fee of $3.50 per $1000 of the loan amount.

Lender Pre-Approval

Loan interest payments are deductible as “second home mortgage interest expenses” unless you already take this deduction on a second home.

Seller Financing

Concerning “seller financing”… It may be possible in a very few, very rare cases like with some “501- c(3)” charities. But you will need 40% down and are severely limited to only the boats they have taken in as donations (it will NOT be your dreamboat). Ask your broker what is available here. Because yachts can be easily moved out of the country, 99.9% of all sellers will not agree to seller financing.

Factor in Foreign Exchange Rates

Foreign currency exchange rates can have a substantial impact on the price of yachts.

You should be aware of how this can affect prices. In recent memory, the Euro was trading at .88 to the dollar; that is, one US dollar would buy .88 Euros. Now the Euro costs 1.26 dollars. So a yacht priced at 200,000 Euros used to cost $176,000 but now costs $252,000 (with a 1.26 rate)! As you can now see, the dollar has really weakened against the Euro. So, Americans won’t be buying many European owned yachts as long as the dollar remains weak. Foreign exchange traders say this is happening because Arab oil producers are afraid to hold dollars for political reasons and they are now demanding Euros in payment for crude oil.

Also, the Arabs have dumped billions of dollars in savings and bought Euros and Euro-denominated investments instead. So, the Euro is becoming the “currency of the world” and this trend will probably continue. On the other hand, if you have Euros, you should be buying yachts owned by Americans and take them back to Europe for re-sale. Dollar-denominated yachts are cheap for Europeans now.

Vendors

Keep in mind the best way to attain the boat and loan you desire is through extensive research. The more you know the easier it will be to navigate through the obstacles that will come your way during this process. Below is a list of vendors to give you a head-start in your search.

Offshore Financial is known for its reputation for being an industry leader in marine financing. Your personal contact, Jennifer Moore, will work hard to offer you the most competitive rates and terms, regardless if you have your eyes on a private Day-sailor or a Megayacht. Let her assist you in making your cruising dreams an affordable reality!

New Coast Financial - Let Cindy Lewis of NewCoast Financial guide you through all of the options that are open to you with regards to marine financing. She is highly qualified to answer any questions you may have and help make your loan process hassle free. She is committed to ensuring that your loan is placed with a bank that best fits your financial needs.

Financial Underwriters Network specializes in boat financing nationwide, we offer competitive rates and a variety of loan programs to best suit your individual needs. Complete our on-line loan application today, or call our office (800) 231-4003 24/7 personal assistance available to take an application over the phone.

Beacon Credit Services offers an on-line application with instant approval along with fixed, adjustable and variable rate loans up to 20 years with no application fees. Refinance upto 100% of the value of your boat. Foreign Flag (U.S. Citizens only) and Letters of Credit. Minimum loan is $20,000.
Russo Marine Financial Services, Inc. a subsidiary of Russo Marine, can assist you with financing or refinancing new and pre-owned power and sail boats purchased from dealers, brokers or private parties.

BoatLoanSuperStore.com (minimum loan $20,000) is one of the preferred lenders among Yacht dealers and brokers, they offer several experienced lenders offering convenient rates and terms, serving the continental United States. They are a full service marine lender, offering loans for Power Boats, Sail Boats, House Boats, and High Performance Boats. They also provide USCG Documentation, State Registration and Extended Service Programs for New and Used boats. Serving the industry for over a decade, applications are normally approved in 6 hours or less!*

SourceOne Federal Credit Union - Minnesota Residents Only - Great long term and low rate Boat and RV loans. No application fee. Delivering Personalized Financial Services & Products for over 70 years.

SeaDream Boat Loans and Boat Insurance is the premiere West Coast brokerage for boat loans and boat insurance. Their goal is to help you achieve your nautical dreams by providing you with the best service for your boat financing and insurance needs.

Excel Credit - they will help you secure your boat loan with financing from $25,000 to Ten Million Dollars. In most southern states, we can arrange loans from $10,000. We offer terms up to 20 years.

Essex Credit is America’s leader in pleasure craft financing and offers boat loans with the lowest rates and the best terms available. With eight regional offices located in major boating areas, they offer personalized and efficient service from the initial application to the post closing paperwork.

Oak Hill Financial specializes in financing and refinancing new and used boats and yachts of all sizes. With an Oak Hill Financial loan you can expect no points, no prepayment penalties, terms to 20 years, simple interest, fixed rates, Coast Guard documentation and personal service. We fulfill loans for clients across the U.S.

For more information, please visit www.catamarans.com.