On April 16, 2017, join us for Easter Brunch and spectacular views on the Manatee River waterfront.
We take brunch seriously here at the Riverhouse. We are the back-to-back winner of the Bradenton Herald People’s Choice Award for “Best Sunday Brunch”. Come for Easter and enjoy our biggest and best brunch spread of the year!!
Come enjoy all you can eat:
FREE Ages 5 & Under
Seating times are between 10am and 3pm.
This event sells out each year.Call now to make your reservation at 941-729-0616.
-Via Susan Croft & Boat US
Boats burn every year and when they do, things get bad. Quickly. For boaters, acknowledging the possibility of a fire is an exercise in fear because there’s nothing more scary than to have open flames aboard and no place to go. We’d like to share two new videos from the BoatUS Foundation for Boating Safety and Clean Water that I encourage you to share with friends:
Four Fire Extinguisher Myths
At the BoatUS Foundation, this subject is always a “hot topic,” especially because some boaters mistakenly believe that fire extinguishers must be mounted. US Coast Guard Fire Extinguisher requirements include the following: Must be a marine-type, US Coast Guard-approved, in good, serviceable condition with sufficient charge, and you must have the required number of extinguishers aboard for your size and type of vessel. While mounting an extinguisher is not a USCG requirement, doing so is a smart idea because it keeps the extinguisher accessible where anyone can quickly grab it in the event of a fire.
Boat Fire Safety: Burning Boats Reel
Here’s to a safe and early start to the boating season!
How do you get the right boat loan for your new or previously owned dream boat? Here are 10 tips:
1. Check your credit: Before applying for a loan, ensure your credit report is accurate, and get your current credit score. The closer to 700 and higher, the better the rate you’ll get. A free copy of your credit report is available annually from each of the three national credit bureaus at www.annualcreditreport.com. To get your credit score, first try checking with your credit card issuer or bank you do business with. If it’s not provided, you will need to speak to a credit counselor, use a fee-based service or purchase it from the credit bureau. More at the Consumer Financial Protection Bureau.
2. Find the right loan type: A fixed-rate, fixed-term, simple-interest loan is the most common. This offers the same monthly payment for the life of the loan. Variable rate or hybrid options may offer a combination of a fixed rate for a few years then a variable rate. With interest rates forecasted to rise in 2017, the appeal of variable rate loans may increase. Don’t forget to ask if there are prepayment penalties for paying off the loan early.
3. Compare loan rates: Generally, rates are lower and available loan terms are longer for newer boats and larger loan amounts. However, each is dependent on a variety of factors including model year, loan amount and down payment. Be prepared for lenders to require larger down payments, have higher rates and offer shorter terms on older boats, especially those over 20 model years. There could also be a .25 percent rate difference between some consecutive model years, so be sure to talk with your lender and understand their rate and term structure.
4. Don’t be fooled by ads: You may see rates advertised as low as 3.99 percent, but there usually will be some small print that could make that loan less attractive. For instance, the rate might only be fixed for a few years or the loan period might be only seven years.
5. Get pre-approved: Ask if you can get preapproval, or if your lender allows you to start the underwriting process before you have a signed sales agreement. This may save some time.
6. Consider a HELOC: Thinking of using a home-equity line of credit (HELOC) to buy your boat? This might work if you have equity in your home and you plan to pay the boat off while interest rates remain relatively low. Unsecured loans (loans not secured by your boat) are also an option for well-qualified individuals.
7. Explore tax benefits: A boat can qualify as a second-home loan interest deduction if it has a berth, head and galley, so buying a boat just large enough to have these features could offer a tax advantage. There’s an overall limitation on the second-home deduction. You can only deduct two homes, and it can’t total more than $1 million in loans. If you count the HELOC, the threshold is $1.1 million.
8. Get it surveyed: So you’ve secured the loan and found the boat you’ve wanted. Hang on! While you might think the boat is perfect, hire a qualified marine surveyor to inspect the boat to ensure it is in good condition and you won’t have any unexpected repair bills. A list can be found at BoatUS.com/surveyors. Also, many lenders will require a marine survey.
9. Ask about closing costs: As with any loan, there are some fees involved – sales tax, processing fee, and title and registration fees are common. Check with your lender to find out what to expect.
10. Calculate your monthly payment: Wondering how much of a loan you can afford? Check the BoatUS online calculator at BoatUS.com/calculator to compute monthly payments. Your lender will also review your debt ratio and other criteria.
To learn about BoatUS Boat Loans, go to www.BoatUS.com/boatloans. Regatta Pointe Marina resident yacht brokers are available to help you find the right boat. Click here for more information on on-site yacht brokers or to get a preview of the boats on site.
The RPM Yacht Brokers on site include:
Massey Yacht Sales
Whiteaker Yacht Sales
All Captain’s Yacht Sales
Edgewater Yacht Sales
The Snook Deck is the place to be in the spring of 2017. Come to our outdoor bar (open evening Mon-Fri, all day Sat & Sun) for a great atmosphere and great live music from local artists.
There’s no other place around that serves the high-quality food of the Riverhouse Reef & Grill in the comfortable waterfront atmosphere of the Snook Deck.
Our typical music schedule is Thurs (5:30-8:30pm), Fri (6-9pm), Sat (6-9pm), and Sun (2-5pm). To view a calendar of upcoming performers, visit our events page by clicking here.
The Snook Deck is located outside the main entrance to the Riverhouse Reef & Grill. Enjoy beautiful views of the mile-wide Manatee River in the nautical setting of Regatta Pointe Marina. Our location is just a mile from downtown Bradenton and convenient to HWY 64, HWY 301, I-275 and I-75. Boats are welcome to take advantage of the provided short-term dockage.