what is the difference between yacht and cruiser

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What is a Cabin Cruiser Boat (and what makes it Unique)?

If you’re like most people, the word “cabin cruiser” conjures up images of luxury and relaxation. And you’re not wrong. Cabin cruiser boats are designed for comfort and entertaining, with plenty of space for overnight guests. But there’s more to these boats than meets the eye.

In this blog post, we’ll explore the different types of cabin cruiser boats, their features, and what to look for when choosing the right one for you. So, whether you’re in the market for a new cabin cruiser or just want to learn more about these popular boats, read on!

Table of Contents

What is a Cabin Cruiser?

A cabin cruiser is a type of recreational boat that typically combines an enclosed living space with outdoor areas for relaxing and enjoying the scenery. They are popular for both day trips and extended cruising vacations, as they provide a comfortable place to stay while exploring new areas.

Cabin cruisers first became popular in the early 20th century as a way for people to enjoy the outdoors while also having a comfortable place to sleep at night. The first cabin cruisers were typically small and had only basic amenities, but they gradually became larger and more luxurious over time.

Today, most cabin cruisers are between 30 and 50 feet long and can accommodate up to 10 people comfortably. They usually have one or two bedrooms, a kitchen, and a living area, as well as an outdoor deck space. Some larger models may even have multiple decks and multiple bedrooms.

There are many different styles of cabin cruisers available, from small and basic models to large luxury boats. Whatever your budget or needs, there is likely a cabin cruiser out there that will suit you.

What are the different types of Cabin Cruiser, and what do they look like?

Cabin cruisers come in many different shapes and sizes, but they all have one thing in common: they’re designed for comfort and convenience. Whether you’re looking to enjoy a day of fishing on the open water or simply exploring a new coastline, cabin cruisers are a perfect choice.

Luxury Cruisers

Luxury cruisers are what most people think of when you refer to cabin cruisers. They usually have all the bells and whistles and amenities that make your life easy when out on the water. There most meant for those who boat recreationally; however you could easily rig them up for some deep-sea fishing.

Downeast Cabin Cruisers

Downeast cabin cruisers are characterized by their long, sleek hulls and slender profiles. These boats are designed for speed and maneuverability, making them ideal for exploring narrow waterways. Many downeast cabin cruisers also feature enclosed bridges, which offer protection from the elements while still providing ample seating and storage space.

Canal Cabin Cruisers

Canal cabin cruisers are similar to downeast cabin cruisers in terms of their overall design. However, these boats are typically shorter and thiner, which makes them more sutable for narrow canals. Canal cabin cruisers are also equipped with shallow-draft hulls, making them ideal for cruising through shallow waters.

Sport Fishing Cabin Cruisers

Sport fishing cabin cruisers are designed for serious anglers. These boats feature large cockpits and plenty of storage space for all your gear. Many sport fishing cabin cruisers also come equipped with live wells, bait stations, and fish finders, making them the perfect choice for a day of fishing on the open water.

How much do Cabin Cruisers Cost?

Cabin cruisers generally cost around $300,000-$1 million, depending on the size, brand, features, etc. You can find used cabin cruisers for significantly cheaper, even on boats just a couple of years old.

Cabin Cruiser vs Yacht vs Cuddy Cabin

There are a few key differences between cabin cruisers, yachts, and cuddy cabins that you should be aware of before making a purchase. For starters, cabin cruisers are typically smaller than yachts and cuddy cabins.

This makes them more maneuverable and easier to dock, but it also means they have less space on board. Yachts, on the other hand, are much larger and can accommodate more passengers and crew. Cuddy cabins are usually even smaller than cabin cruisers making them even easier to maneuver but offering less space.

Another key difference is that Yachts cabin cruisers typically have an open layout, while cuddy cabins tend to be more closed off. This means that cabin cruisers are generally more social boats, as there is less of a barrier between the cockpit and the rest of the boat.

Finally, yachts are typically the most expensive, cabin cruisers are second, and cuddy cabins are usually the cheapest. This makes cabin cruisers a great option for those looking for a quality boat without breaking the bank. However, cabin cruisers still can cost upwards of millions of dollars, so they are not an option for everyone.

Overall, cabin cruisers are a great choice for those looking for a quality boat that can be maneuvered by yourself without needing a captain and are relatively affordable compared to yachts. Yachts are better suited for those who have the budget for a more luxurious option and are looking for more space and privacy on board. Cuddy cabins are best for people who don’t want to spend a whole lot of money and what something smaller that involves less work.

What are the advantages and disadvantages of Cabin Cruiser?

Cabin cruisers offer many advantages over other boats including more space and amenities, greater stability, and easier docking (compared to yachts). However, cabin cruisers also have some disadvantages, such as higher costs and heavier weight.

Advantages:

1. More Space: Cabin cruisers offer much more interior space than other types of boats of comparable size. This extra space can be used for storage, sleeping quarters or simply to provide a more comfortable cruising experience.

2. More Amenities: Cabin cruisers also typically come equipped with more amenities than other types of boats. These amenities can include anything from full kitchens and bathrooms to spacious lounge areas and state-of-the-art entertainment systems.

3. Greater Stability: Because of their larger size and weight, cabin cruisers are generally much more stable than other types of boats. This makes them ideal for cruising in rough waters or for hosting large parties on board.

4. Easier Docking: Cabin cruisers can be easier to dock than other types of boats, thanks to their greater stability and the fact that they typically have two or more engines for added maneuverability.

5. Luxurious Accommodations: Many cabin cruisers are designed with luxury in mind, offering high-end finishes and amenities that rival those found in upscale homes.

6. Ideal for Entertaining: Cabin cruisers are often used as floating party venues, thanks to their spacious interiors and convenient onboard amenities.

Disadvantages:

1. Higher Costs: Cabin cruisers can be significantly more expensive than other types of boats, both to purchase and to maintain.

2. Heavier Weight: Cabin cruisers are typically quite large and heavy, which can make them difficult to tow and store.

3. More Difficult to Maneuver: Because of their size and weight, cabin cruisers can be more difficult to maneuver than other types of boats. This can make them challenging to dock in tight spaces.

What are the top brands to purchase quality Cabin Cruisers?

There are a few great brands when it comes to cabin cruisers, including:

• Sea Ray – luxurious cabin cruiser with all the bells and whistles
• Tiara – reliable and well-built cabin cruisers
• Formula – Very reputable brand
• Cutwater – affordable and stylish cabin cruisers

All three manufacturers offer high-quality options that will provide you with years of enjoyment on the water. When choosing a cabin cruiser, it is important to consider your budget and what features are most important to you.

What should you look for before buying Cabin Cruisers?

There are many things you should look for before buying a cabin cruiser. The size of the boat, the type of engine, and the amenities offered are just a few things to consider. You also need to decide if you want a new or used model. Here are a few tips to help you find the perfect cabin cruiser for your needs.

What do you plan to use your cabin cruiser for? Whether you want to spend weekends on the lake or cruise around the coastline, it’s important to choose a model that suits your needs.

One of the most important things to consider when buying a cabin cruiser is the size of the boat. You need to make sure that the boat is big enough for your needs. Cabin cruisers come in all different sizes, so you should be able to find one that is perfect for you.

• Type of Engine

Another thing you need to consider when buying a cabin cruiser is the type of engine. There are two main types of engines, gasoline and diesel. Gasoline engines are less expensive, but they require more maintenance. Diesel engines are more expensive, but they last longer and require less maintenance.

When you are looking at cabin cruisers, you should also consider the amenities that are offered. Some cabin cruisers come with features like air conditioning, televisions, and stereos. Others do not have any of these features. You need to decide what amenities you want and how much you are willing to pay for them.

• New or Used

Finally, you need to decide if you want a new or used cabin cruiser. Used models can be cheaper, but they may not have all of the features that you want. New models will be more expensive, but they will have all of the latest features. You need to decide what is more important to you, price or features.

These are just a few things to consider when you are looking at cabin cruisers. If you take your time and do your research, you should be able to find the perfect boat for your needs.

Final Words

In conclusion, a cabin cruiser boat is a great choice for anyone looking for a versatile that you could live in and take anywhere. Whether you’re fishing, swimming, or just cruising around, a cabin cruiser boat can provide you with plenty of enjoyment. With so many different models and styles to choose from, you’re sure to find the perfect cabin cruiser boat for your needs. So what are you waiting for? Get out there and start enjoying the water today.

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Cuddy Cabin vs Cabin Cruiser: Breaking Down the Differences

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Cuddy Cabin vs Cabin Cruisers

I have heard it said that a Cabin Cruiser is just a Cuddy Cruiser with Headroom, but there is a lot more to that than just Headroom. Here we will go through the various options of both boats to find out which one is the better choice for you. Cuddy Cabins are snug and compact, whereas Cabin Cruisers offer a far greater range of facilities. But, of course, it all depends on how you spend your time on the water so let’s compare the features of both boats to see which one suits you better. The fundamental difference between the two boats stems from the following:

The Cuddy Cabin boats have a snug cabin with a ‘V’ berth in the bow area. There is limited Headroom, and the ‘V’ berth can accommodate two adults.

Cabin Cruisers have a Headroom in the cabin and have a bathroom (Heads), sometimes a separate shower, and a small galley (kitchen).

This differentiation makes it easier to compare the two types of boats, and we can explore the benefits of each one to allow you to make an informed opinion of which one would suit you better.

To get some idea of the features of both types of boats, you may want to scan through some of the top-rated boats of each type.

Let’s start with some highly rated Cuddy Boats

The bayliner vr5.

This is a top-rated Cuddy boat. It has a large storage area and can take eight people on board. Clever seating arrangements and well-designed swimming platforms make this the ideal day boat. The Headroom in the ‘V’ berth cabin is restricted to around four feet. Overnight accommodation is basic, and the boat is really geared for daytime fun.

The CormateT24

A Norwegian boat and a great example of the speed expected of Cuddy Boats. The standard version can hurtle along at fifty knots with incredible fuel efficiency. The high freeboard makes this one of the driest Cuddy boats around. This is one of the few Cuddy boats that offer concealed heads and some essential galley equipment. Certainly, one of the faster Cuddy boats that can provide overnighting comfort. If you are looking for a great Cuddy boat with some overnighting ability, this should be high up on your viewing list.

The Sting 610 DC

Is a great entry-level Cuddy with limited cabin space but a tremendous responsive performance. The 150 HP outboard will get you moving at over 40 knots. The name gives a good indication of the intended use of the boat. DC means Day Cruiser, and that is what the boat is all about. Great fun for the day. The ‘V’ cabin is functional but lacks any amenities such as windows or toilets. This is very much a dayboat but with great deck features.

The Yamarin, 65 Day Cruiser

This is a prime example of what a Cuddy boat is all about. It has a wonderfully fitted and safe cockpit area, and the standard 225 HP outboard will thrill the heart of any skiing guest. It has a fairly deep draught for a Cuddy boat at a little less than four feet. An interesting feature of this boat is that it provides a freshwater system as an option—a lovely daytime comfortable fun boat.

The Beneteau Flyer 6,6 Sundeck

Part of the formidable Beneteau range this model has a 200 HP outboard for sizzling performance. The ‘V’ berth cabin has a small marine toilet, and the cockpit can convert into a double berth. One of the easiest Cuddy boats to tow, it offers the choice of different water sports destinations. The ‘Sunpad” on the foredeck provides great daytime comfort but does restrict the Headroom in the ‘V’ berth.

Three top-quality Cabin Cruisers

The back cove 40.

The two 300HP outboard engines provide a cruising speed of 24 knots, and there is the option to fit a third outboard to bump up the cruising speed well into the thirties. The fuel tank of 250gallons gives it a range of over 200 nautical miles. There is accommodation for four guests on board with a separate bathroom and shower, a fully equipped galley with a microwave, two plate cookers, and a refrigerator. Clever design features like the transom gates make for excellent daytime enjoyment. If you are looking for the ideal Cuddy and Cabin combination, this must come pretty close.

The well-designed hull is powered by three 350 HP outboard engines providing a top speed of over 40 knots. The six-foot-six-inch Headroom in the forward stateroom offers comfortable accommodation below the deck, while the saloon can convert into additional accommodation for two guests. With a full entertainment system on board and a comprehensive galley, including a freezer, the boat provides superb comfort. In addition, the boat boasts a Category ‘A’ Ocean Certification making it a serious contender for coastal areas.

Hinckley Sportboat 40C

This Cabin Cruiser has a whopping 450 gal fuel tank providing a range of over 340 nautical miles at an average speed of 25 knots. Six-foot-six headroom below decks in air-conditioned comfort along with separate bathroom and shower offers superior comfort. The galley is comprehensive and even includes a cappuccino machine. Deck comforts are lavish with a beautiful forward deck seating arrangement. This is a real family pleaser allowing skiing as well as fishing. I don’t think there is anything I don’t like about this boat.

Here are the main differences between Cuddy and Cabin Cruisers

Cuddy boats are lighter, making them easier to tow. This makes them suitable for towing home and saving on boatyard fees as well as maintenance. This also allows you to travel to different water bodies. Cabin Cruisers are often too heavy to tow or require a heavier tow vehicle.

Versatility

Cuddy boats can be used for towing skiers and other water toys. They are highly maneuverable and very responsivHowHowever, Cabin Cruisers are not designed for carving up the water.

Cuddy boats have minimum draught allowing you to explore shallow coves. However, Cabin Cruisers tend to need more water, especially if they have inboard engines.

Cuddy Boats have some storage area, but this is limited to the ‘V’berth area, whereas Cabin Cruisers have significantly more storage area.

Length of stay on the water

Cuddy boats are limited to perhaps overnight for two people whereas Cabin Cruisers can accommodate two to four people for more extended periods.

Cabin Cruisers have above six-foot Headroom below decks, and the steering position is protected from the weather.  Cuddy boats have limited Headroom and limited weather protection at the steering position.

Bathrooms (Heads)

Cabin Cruisers have separate bathrooms, often with separate shower whereas Cuddy boats lack these facilities.

Cuddy boats may have a small marine toilet, whereas Cabin Cruisers typically have a fully functional toilet system with holding tanks.

Cuddy boats may have an external griller or a microwave, while Cabin Cruisers have fitted galleys with a cooker, microwave, fridge, and freezer.

Entertainment system

Cuddy boats lack these facilities whereas they are fairly common on Cabin Cruisers.

Air Conditioning

Air conditioning is normally restricted to Cabin Cruisers. Cuddy boats rely on natural ventilation.

Cuddy boats are generally less expensive than Cabin Cruisers.

Maintenance

Cabin Cruisers incur greater maintenance primarily because of a broader scope of equipment on board.

Let’s start on Land

Cuddy Cabin boats tend to be smaller and lighter than Cabin Cruisers. The typical Cuddy Cabin ranges from twenty to twenty-five feet but can get up to thirty feet long. The smaller size and lower weight allow the Cuddy Cabin to be trailed around, so if you can select different bodies of water to visit, then the Cuddy may have the edge over the Cabin Cruiser.

Cabin Cruisers, being heavier, higher, and bigger, are more difficult to tow. In addition, the weight may require a bigger towing vehicle, and launching becomes a significantly more complicated process because of the boat’s weight.

So in the towing department, the Cuddy scores a point.

‘On the Water’ comparison

Cuddy Cabins are nimble in the water. They can be used for skiing and tubing activities and are fast and responsive. They will have a higher top speed than Cabin Cruisers and get to that speed quicker. Cuddy Cruisers are great for zooming around. Ideal for family and friends to spend the day on the water skiing or towing one of the fun inflatable towable toys.

Fairweather is what the Cuddy Cabin boat thrives on. Sunshine and warm water are the essential elements in the Cuddy Cabin cocktail.

Cabin Cruisers are a little more sedate, but that is not to say they lack excitement. Many of them are happy to cruise at speeds in the high thirties and early forties, so they are by no means slow. However, it would not be clever to try to carve up the water with Cabin Cruisers.

Their weight and inventory are not intended for such teenage antics. Cabin Cruisers are all too happy to sacrifice a little adrenaline-pumping action for the convenience of a galley, bathroom with a separate shower, and a bedroom with Headroom.

Space in the Sun

Choosing a boat always involves a compromise. Cuddy Cabins give up deck seating to get some cabin area. Cabin Cruisers also give up some deck seating and sacrifice some performance to gain the home comforts of a galley and a bathroom.

I mentioned that the Cuddy Cabin was the favored boat in fair weather. All boating magazines show blue skies and happy guests sipping drinks while sitting in the sun. Cuddy Cabins are geared for that.

The barbecue grill handily fitted over the rail with the promise of succulent food to feed the hungry crew and guests with the kids splashing on the swimming platform. This is the world of the Cubby Cabin, and it is a beautiful world.

It is beautiful so long as the weather stays good, but when the wind comes up, and the clouds move in, then things change a little, and Cubby Boats will head for the shelter of the Marina as guests hurriedly look for windbreakers and jackets to keep warm.

Unfortunately, Cuddy Cabins have little protection from foul weather. The kids can scamper into the cabin, but the poor skipper is at the mercy of the elements. A bimini cover may protect you from the sun, but it is of limited use to keep the driving rain away.

Comfort when the weather turns

Cabin Cruisers, on the other hand, are geared to keep things comfortable if the weather turns. The steering position is protected from the weather, and guests can move inside to be warm and dry. In addition, the galley can provide warming drinks and tasty snacks to keep everyone happy.

Grumpy boat owners have all too frequently moaned about when they left home the sun was shining only to find a wet and soggy marina on arrival. This would be the end of the boating day for Cuddy Cabins, but for the Cabin Cruisers, things are not so bad. A rainy day on a Cabin Cruiser is when to attend to all the little things that crop up, calling for the toolbox.

The galley can serve up a warming drink, and you can curl up on the couch in the cabin with a good book and wait for the weather to improve.

So in times of the weather not coming to the party, the Cabin Cruiser has the upper hand.

It’s all a question of time

One of the deciding factors in choosing the right boat for you is the distance to get to the boat. If you are a short distance away from your favorite body of water, then a couple of hours on the water is fine. However,  If the time to get to the boat is substantial, you will want to spend a longer time on the boat, quite possibly, overnight.

Another issue to consider is where the boat is going to stay. Cubby cabins lend themselves to being towed home as that saves boatyard costs and allows for maintenance to be conveniently done at home.

Cruisers tend to stay in the water either at the Marina or moored in the water. This saves the trouble of launching every time you want to use the boat. So with Cabin Cruisers, there is the element of the convenience of having the boat ready to set off with little dockside activity.

So it would seem that Cabin Cruisers have the upper hand in this area, but Cuddy Cabin owners will happily trade this for the freedom to travel to different boating destinations. So if you happen to live in an area with several boating venues, Cuddy Cabins would allow you greater venue flexibility.

It’s not only Headroom

Lying down in the snug ‘V’ berth on a Cuddy Cabin Cruiser, you may wonder what all the fuss about Headroom or the lack of it is valid. For kids, a ‘V’ berth is a lot of fun. The world has shrunk to the appropriate size for them, but adults are forced to adopt crouching positions which are not quite as comfortable.

Cuddy Cabins are snug and intimate, providing the weather plays along. There are few Cuddy Cabins that offer aircon facilities, so natural ventilation is essential. Deck hatches do a great job in this regard, but when rain forces them closed, the cabin can get hot and stuffy.

Many Cuddy Cabins have toilets as part of their inventory. These are very different from the conventional type of toilets, and the marine toilet is often located under the ‘ V’ berth and serves to increase the area of the ‘V’ berth. There is no separate bathroom for the portable marine toilet, and it will have to be taken ashore to be emptied. (https://www.practical-sailor.com/belowdecks-amenities/portable-marine-toilets-for-small-boats)

Cabin Cruisers adverts highlight the standing headroom feature as well as the separate bathroom. More points are scored if the boat has a separate shower. Because Cabin Cruisers are intended for longer stays onboard, these features are important, but they are just as welcome for the single overnight visit.

Holding tanks for wastewater are an integral part of the inventory on Cabin Cruisers, and the contents of these tanks will need to be discharged at dockside facilities.

Home comforts on Cabin Cruisers

A galley also separates the Cuddy from the Cabin Cruiser. Hauling an ice-filled coolbox onboard is one way of keeping things cool on board, but a fridge on board is far more comfortable. Dining alfresco around the griller is a great social event, but if you would like to sit down at the dinner table for a meal, I’m afraid the Cuddy Cabin will not provide that type of service.

So when it comes to ‘home comforts,’ the Cabin Cruiser has a greater selection of features, but you will need to weigh up which of them are important to you.

FAQ’s

Answer : The requirement to have some qualifications to drive a boat largely depends on where you live. Some states have no qualifications required, while others insist on some qualification or attendance at a boating safety course. Many States have the requirement depending upon the age of the skipper. The US Coast Guard Captains License is a popular qualification but is not a legal requirement to operate a boat. It would be best to check with your local authority before venturing out on the water.

Answer : Because Cabin Cruisers have significantly more equipment, onboard their maintenance requirements are greater than the Cuddy Cabin. A significant issue is the maintenance required as a result of the boat staying in the water. Marine growth will have to be removed on an annual basis, and this will also involve docking costs if the boat is too big for a trailer. Cuddy Cabins can be housed at home, often in a shed or garage. The effects of the weather are minimized under these conditions, while the Cabin Cruiser floating at the Marina enjoys no such protection.

Answer : No matter the size of your boat, you will require special navigation lights on both Cuddy and Cabin Cruisers. The type of lights is dependant on the size of the boat. For boats under forty feet, port and starboard, lights are required together with a white stern light while underway and an all-round white light while at anchor.

Both the Cuddy and the Cabin Cruiser have many appealing features, and your choice of boat will depend mainly on the amount of time you intend to spend on the water. For day trips that may extend to one overnight passage, the Cuddy Cruiser will be great for two people; however, if you envisage longer passages, including more than a single night on board, the Cabin Cruiser’s appeal increases.

Similarly, the number of people on board also plays an important deciding factor. For two people, the Cuddy is cozy and intimate. Kids will love the Cuddy Cabin, and I know many parents who have converted the aft deck seating into two bunks and happily spend a night on the water with the kids safely tucked up in the ‘V; berth. That is great for a night providing the weather plays along, but for any more than two people, the space of the Cabin Cruiser is a significant drawcard.

Most boat owners spend a day on the water, and usually, this would involve using the deck seating. This seating is used the most, and deck space is often the deciding factor in choosing a boat. Remember that Cuddy Cabins diminish the amount of deck space because the’V’ berths have to be at least six feet long to accommodate one or two adults. The Cuddy Cabin is a great feature to accommodate sleepy kids or stow equipment and save you schlepping it on and off the boat every time you head out on the water.

However, if you are looking for more than that in terms of space or amenities, then the Cabin Cruiser with Headroom, galley, bathroom, and separate shower would make your time on the water so much more enjoyable.

For more interesting readings check out:

• Top Pontoon Boat with Cabin Ideas
• Amazing Pontoon Houseboat Tips and Ideas
• Deck Boat vs Pontoon Boat: What’s The Difference?

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What are the differences between cabin cruiser and express cruiser

• Thread starter yam350yfm
• Start date Jan 16, 2009

Petty Officer 3rd Class

• Jan 16, 2009

I am beginning to research small cruisers, 24 to 28 feet. I have boats in this range that are referred to as either "cabin", "express", "bridge", "sport", and "pocket" cruisers. I am not looking for the cuddy type, but something that a family of 4 could actually stay out on from Friday - Sunday. There are a couple of caveats: 1. Must be trailer-able (no more than 8.5 feet wide) 2. Mainly used in fresh water lakes ranging in size from 2,000 acres to the Great Lakes and the Mississippi river (maybe do sections of the great loop over time). I have no brand or style preference, just trying to understand what is out there and what the differences are. Considering boats from the mid-1990's and up. I have found some great advise on iboats previously with outboard repair. I am considering making the jump to something for weekending on and am seeking opinions as to what works, what doesn't, things to think about, etc. In the family we currently run the following: 12' aluminum with 5 hp 4 stroke 14' fiberglass skiff with 20hp 2 stroke 18' aluminum side console fishing boat w/115hp 4 stroke 19' fiberglass bowrider w/190 hp i/o 24' pontoon w/60hp 4 stroke  

SS MAYFLOAT

Re: What are the differences between cabin cruiser and express cruiser I'm not sure on the differences of each specific one, but mine is called a cabin cruiser with a flying bridge. Two helms, one on the bridge and one in the cabin. The cabin has a full galley with stove, oven, microwave, fridge, and hot/cold pressurized water system. Head with shower and lavatory. Can sleep 2 adults and 4 children easy. 27.5' with 8' beam. Rear deck is 6X8, main cabin 12X8 plus the forward berth. Trailers easy, but needs a strong tow vehicle if I will be towing in hilly areas.  

tashasdaddy

Honorary moderator emeritus.

Re: What are the differences between cabin cruiser and express cruiser most of it has to do with the type floor plan, and space, also use of upper deck space.  

Vice Admiral

• Jan 17, 2009

Re: What are the differences between cabin cruiser and express cruiser Take a look here- good definitions of various types... http://www.boats.com/news-reviews/article/boat-buying-for-absolute-beginners-part-iv Express Cruiser? An express cruiser is designed for overnighting with berths, a galley and a head forward, and a large open cockpit aft. Among the most popular form of cruiser, express cruisers range from 25 to 63 feet long. Best uses: day trips and weekend overnight cruises. Cabin Cruiser? Though the term isn't used as often as it once was, a cabin cruiser features a raised cabin with side windows. The helm is usually beneath a hardtop, and the cockpit is open. Amenities include staterooms, a head and a galley. They frequently are offered with two or even three cabins. Best Uses: weekending, extended vacation cruises in mild waters and as a dockside summer "cottage". A cabin cruiser can also have a flybridge (upper helm station). For a good example of each, google a Bayliner 2452 Ciera Classic. That's a traditional "cabin cruiser" design. Compare that to a new Bayliner 245, or the 1999 Chris Craft 240 Express I'm in the process of buying. Those are Express Cruisers. The only other basic type I can think of is a "cuddy cabin" cruiser, which generally has low interior headroom and just basic sleeping accommodations for a couple of people to crawl in out of the weather. The rest of the "types" you listed below are just marketing-hype names.  

• Nov 7, 2009

JoLin said: Take a look here- good definitions of various types... http://www.boats.com/news-reviews/article/boat-buying-for-absolute-beginners-part-iv Express Cruiser? An express cruiser is designed for overnighting with berths, a galley and a head forward, and a large open cockpit aft. Among the most popular form of cruiser, express cruisers range from 25 to 63 feet long. Best uses: day trips and weekend overnight cruises. Cabin Cruiser? Though the term isn't used as often as it once was, a cabin cruiser features a raised cabin with side windows. The helm is usually beneath a hardtop, and the cockpit is open. Amenities include staterooms, a head and a galley. They frequently are offered with two or even three cabins. Best Uses: weekending, extended vacation cruises in mild waters and as a dockside summer "cottage". A cabin cruiser can also have a flybridge (upper helm station). For a good example of each, google a Bayliner 2452 Ciera Classic. That's a traditional "cabin cruiser" design. Compare that to a new Bayliner 245, or the 1999 Chris Craft 240 Express I'm in the process of buying. Those are Express Cruisers. The only other basic type I can think of is a "cuddy cabin" cruiser, which generally has low interior headroom and just basic sleeping accommodations for a couple of people to crawl in out of the weather. The rest of the "types" you listed below are just marketing-hype names. Click to expand...

• Nov 8, 2009

Re: What are the differences between cabin cruiser and express cruiser Hi, Noel- I pm'd you with my e-mail address. Always happy to find another owner!  

Petty Officer 1st Class

Re: What are the differences between cabin cruiser and express cruiser <<...I am not looking for the cuddy type, but something that a family of 4 could actually stay out on....>> Family of 4...if that's 2 adults and 2 kids, the age of the kids may have some bearing on what to look for. Years ago we had an older 24' Searay with a flying bridge. The kids were about 8-11 years old, and loved using the covered bridge as a "fort" it gave them an area to play without being crowded together with adults so much for 2-3 days. The parents liked the break, too. ;-) Larry  

Petty Officer 2nd Class

Re: What are the differences between cabin cruiser and express cruiser If you are looking to overnight with 4 adults aboard, I would suggest the Bayliner 2655 or 265 as its called now. I have the 2452. (BTW, Bayliner valls it the Classic Express Cruiser) Its great for the two of us and maybe a family with 2 small kids. Not for 4 adults. The 265 is the largest boat with an 8.5' beam. It has an aft cabin and vee birth convertable to a dinet. I would also suggest getting camper canvas for it so when the bugs are out or its raining, you have all that deck space to combat "cabin fever" If its at all possible, look at the 2855 or 285. It has a lot more room. The vee birth and dinet are separate, so you don't have to roust someone out of the vee birth to sit with a cup of coffee. It a 9' beam, but the increase in interior volume is worth it. Towing: the 265 will be about 8K towing weight, and the 265 about 10K. These are real world numbers, not guestamates. The 8K is a no brainer for a SUV or 1/2 ton P/U with the H/D tow package. The 10K is not talking a 3/4ton truck . My 2452 tows out at about 7500 with 1/2 tank gas, etc. These boats are rather well built and heavy. But with a double or triple axle trailer, and disk brakes, its not that bad to tow.  

captharv said: If its at all possible, look at the 2855 or 285. It has a lot more room. The vee birth and dinet are separate, so you don't have to roust someone out of the vee birth to sit with a cup of coffee. It a 9' beam, but the increase in interior volume is worth it. Click to expand...

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Coastal Cruisers vs Blue Water. Please Define.

• Thread starter Joe Mullee
• Start date Sep 13, 2004
• Forums for All Owners
• Ask All Sailors

Coastal Cruiser. I see that term with regularity in advertisements, magazine articles, posts on this and other sites, etc. Hunters, Catalinas, production boats in general all seem to be labeled "Coastal Cruisers". Island Packets, Hinkleys, Sagas are labeled "Blue Water" boats.Today I read an article about navigation. It referred to Coastal Cruisers (medium sized production boats) as boats that are safe to sail out to 50 miles from shore and Blue Water boats as being able to sail oceans. It was the first time I actually read an attempt to define the difference between the two. Fifty miles was the mark.  Would you agree with that definition? I've been in rough seas 50 miles offshore and 600 miles offshore (not in my Hunter34). I don't remember there being any difference at all. In both instances the integrity of the boat was crucial to our survival (along with other things). Why would my Hunter be OK 50 miles from shore but not 100 miles from shore?So,Coastal Cruiser? Assuming the captain and crew are experianced enough and up to the task, why the 50 mile definition? What is meant by the term "Coastal Cruiser"? Still Learning,Joe Mullee  

newly anonymous

optimization Don't think in terms of a vessel's capabilities. Think, rather, in terms of what the vessel is optimized for. A pilot berth is much more comfortable in a seaway than a pullman berth, and yet a pullman berth is a far superior option for enjoying conjugal relations in an anchorage. Alternately, pipe berths make more sense on a crewed racing yacht because of the weight savings. The terms "coastal cruiser" vrs "passage maker" tend to be something the marketing guys invented. Throw the sales literature away and ask yourself the following question: what's the most important function of this boat? If the answer is winning races, get a boat with pipe berths. If the answer is circumnavigation, get a boat with pilot berths. If you're looking for great sex, get a boat with a pullman berth. It's really that simple.  

Biggest difference is intended use Joe,I think the main differences you will see between coastal and blue water cruisers is in their configurations for comfort. A costal cruiser such as a Catalina or Hunter will be configured to maximize comfort in port or for day sailing by maximizing interior and cockpit volume. A blue water cruiser such as a Valiant will look to be comfortable in a sea way when the weather gets rough. Also, the blue water cruiser will trade storage capacity and tankage for interior volume.Some other differences will be in handling characteristics and available equipment. A coastal boat will handle more nimbly because of a fin keel/spade rudder setup whereas a bw boat will look more for good tracking with a longer chord keel and skeg hung rudder. BW boats will be more likely to have a cutter rig or some other means of hoisting storm sails whereas the coastal cruiser will have a more performance oriented rig.Both boats can sail in either environment, but they will not be as well configured for the other envirnment.Hope this helps,Les Murrays/v Ceilidh'86 C-36 #560  

It's about different construction standards Actually, the core issue is whether the boat meets a certain construction standard set by professional bodies. In today's world the European Union has a set of standards ("scantlings")for recreational boats intended for use in different conditions. When you see a boat advertising itself as "meeting CE ("Certification Europeene") standard A,B,C," etc., you are being told whether the hull and hardware are constructed to withstand rollovers, breaking waves, impact from monster waves, loss of deck hardware, etc. I get the impression the American Boat and Yacht Council which makes industry standards for our industry is trying to emulate CE as closely as possible.The factors that go into open-ocean safety, such as length of vessel to wave-period size and recovery from rollover, have been articulated in various books published by the Cruising Club of America over the years (see link below). A coastal cruiser is basically a lighter-built boat that does not meet all of the standards for theoretically surviving the harshest conditions. There are plenty of people sailing big coastal cruisers around the oceans today, but when you see a boat built to the highest CE standard you will immediately recognize the difference in safety and durability these "bluewater cruisers" represent.  

Gary Wyngarden

Blue Water vs. Coastal Cruiser Hi Joe,This is a repeat of my answer to a similar question a few months back.I think sailboats are optimized for a specific type of sailing. Some are optimized for racing around the buoys on a lake or in a protected bay; others are optimized for day sailing; others are optimized for coastal crusing; and still others are optimized for blue water cruising of the ocean crossing variety which is I think your question.I have a 1992 Hunter 37.5 which I think is optimized for coastal cruising. One of my best friends has a Valiant 40 he's twice sailed to the South Pacific which is definitely optimized for blue water cruising. Some comparisons between the boats might shed some light on your question.Below decks my Hunter at 37.5 feet appears much larger than his Valiant at 39.8 feet. My Hunter has more head room, is lighter, much more spacious, and easier to live in. His portlights and hatches are smaller in defense against boarding seas. His aft cabin is a quarterberth which is easier to sleep in at sea because you can wedge in. None of his drawers or cabinets will open without first releasing a catch. This is a pain at anchor but at least his drawers won't dump out at sea. His tankage (fresh water and fuel) is considerably larger for extended voyages. His sail plan is a cutter with an inner forestay that is great to have when things get blowing really hard. Mine is a sloop rig and not designed for the inner forestay. He's got a longer keel and a skeg rudder instead of a fin keel with a balanced rudder. His is sturdier. Mine is more maneuverable. Just about all the rigging and fittings on his boat are beefier than mine.We sail on blue water all the time. We'll be out on the Pacific for two months this summer on the West Coast of Vancouver Island. Next year we're going to Alaska. But I still don't think of my Hunter as a blue water boat. My friend's Valiant definitely is.Hope this helps.Gary WyngardenS/V Wanderlust H37.5  

The functional definition of coastal is that you are able to get to harbor before it gets really rough!!!! It takes time and distance for a wind to make big waves. A coastal boat stays close enough to shelter to get home while a bluewater boat can ride out the rough stuff. I fiqure 24-48 hours to get to port. Some stretches of coast are Blue water even if you are only a mile offshore as there are no inlets. Look at Pensacola to Mobile. One inlet between that you can't use in rough weather. About 60 miles between safe harbors. About the same between Pensacola and Panama city except about 100 miles. the inlet at Destin is tricky and not recommended in rough weather. I like a good weather window when sailing this piece of coast. If the conditions are good it is a great sail but I wouldn't want to start in poor conditions that might get worse. There are lots of books that define a coastal or bluewater boat in terms of construction and preparation. I figure that I can sail all over the east coast,gulf coast and Bahamas with a coastal cruiser. Tom  

Another Tack on the Definition Joe - I think you're getting close to the definition you want, just look at the last sentence in your question.Consider this: A blue water cruiser is one where the skipper can take his boat safely off shore; a coastal cruiser is one where the skipper would feel it was risky taking the boat off shore.There is so much focus on the boat which is only a part of the equation. The skipper decides where to go, when to go, and how to go. These decisions can be crucial to the success of a voyage when taken in conjunction with the vessel used.One might say that a blue water vessel for one skipper may not be a blue watter vessel for another. One skipper can take a sailing surfboard across an ocean while another skipper couldn't take the Titanic across!  

Seamanship I thought we were talking about boats IMHO it is much more demanding to coastal sail than it is to blue water sail. The most trying time for me sailing is getting out of the marina!!! Then the long narrow channel to deep water with everything from shrimpers to jet ski,s to dodge. Then the mouth of the bay with tankers,container ships, military ships and the sport fishing fleet to dodge. We won't even talk about shoals,underwater jetties and strong currents....Finally at the last buoy the sea buoy I can relax!!!! 5 miles off shore in 60+ feet of water that's when I am the most relaxed. Check the GPS once an hour and maintain a compass heading..say hello to the passing dolphins.. the wife made me stop drinking beer while underway.  

Is this question asked every 50 days If you do a search through the archives this has been discussed and beat to death so many times I fell like I'm watching the movie "Ground Hog Day".Though construction has something to do with the differences I'd say it has more to do with the design features built into the boat (as described below). For instances berths that are usuable at sea. No centerline berth is really worth anything at sea other than storage space. Or take tankage, 20 to 30 gallons of Diesel is not going to get you far if you need to use you motor for long stretches of time. Same can be said for water tankage, you most likley are going to need a lot. But on the flip side only a small holding tank is required when blue water sailing. Other design features for blue water boats are narrow passageways with rounded corners and very high fiddles. Not to mention sturdy cabinetry as you will most likely be leaning (falling) into often. Those wide open salons that look great at a boat show and at anchor are a liability in the open seas. Instead of falling 1-2 feet down below from an unexpected wave you'll be falling 5-6 feet. Big difference and more injuries.Most of the bigger (I'll say above mid 30's boats) production boats are built better these days and can handle the open seas fairly well (obviously then you have the fin keel/Spade rudder vs full keel skeg rudder argument). Of course the really overly built "blue water" boats can take a bit more abuse (and take care of itself a bit better from the skippers mishandling) But you rarely see a production boat just crack in half in the middle of the ocean and end up in Davey Jones locker. I think the biggest liability on todays average production coastal cruiser is the rudder, but by adding a redundant additional Windvane steering that will help if you run into troubles. As with any Blue Water voayage just think redundancy and backup systems and you should be ok.  

CE standards I couldn't disagree more with Rick's article, "It's about different construction standards." My boat, a Hunter 410, is CE certified Category A-"Ocean." This means that it is "designed for extended voyages where conditions experienced may exceed wind force 8 (Beaufort Scale) and include significant wave heights of 4 m." (I copied that directly off the boat's certificate.) Does that make it a bluewater boat? Hardly. The cockpit is too large, there are no pilot berths, the salon table doesn't have fiddles, et cetera. That doesn't mean that I can't take it offshore safely. In the same manner, I don't consider my 410 to be a racing boat, but I race it on beer can races every Wednesday night during the summer, and placed 3rd out of 27 boats last week, finishing in front of a handful of J-105s that owed me time. But it wasn't designed to race just as it wasn't designed as a passage maker. It was designed to be roomy, comfy, mannerly and to be the best party boat in the anchorage. No amount of CE certification changes that. (BTW: MY 410 also carries NMMA certification to be in compliance with ABYC standards. That still doesn't make it a blue-water boat.)  

Gee John, I was feeling sooooo gooooood.... and so excited after reading Ricks article, I thought that my Hunter 36 was now a Blue Water Category A vessel. I had the best of both worlds, a Blue Water Cruiser with all the nice things of a coastal cruiser. You ruinned it John.Just having fun, Abe  

Blue water - you have to take what comes... Coastal - you can get to port if things are getting really badThis has been a good discussion so far. I would only add that because blue water boats have to take what comes, a capsize screen below 2.00, a strengthened water tight integrity, and redundancy of the rig and systems are also mentioned.There are some excellent discussions in the archives on this subject. I p[articularly recommend the contributions from Henk Meuzelaar, who argues (from substantial blue water experience on a modern 40+ Hunter) that staying away from storm seasons, and having the ability to go to weather of his design makes it an excellent blue water boat.DavidLady Lillie  

Offshore safety For offshore, extended periods of time on the ocean, there are certain characteristics of a boat that will make it safer, and easier to manage, in bad weather.For one thing, a full keel and a skeged rudder.This allows the boat to be "hove to" during a bad blow, while the crew waits it out below. Modern Fin keel boats (coastal) are difficult to hove to, and more likely to require constant attention at the helm.Small cockpit is desirable offshore, so that the weight of water that can be trapped is minimal.Weight and hull shape will give a blue water boat a better motion in the waves. Of course, other points in this thread are also good.  

Good question Joe,The biggest difference between coatal cruiser and blue water is the hull design. Look at your hunter, really. A blue water boat engineers the need to weather heavy water with the need to survive in those situtions, the hunter in my opinion is border line blue water, I'd feel fine in one. Go to your local boat yard and look at the differsnt hul;l designs. What is going to hand;e weather better, flat and wide or long and deep. What cuts and grips the opposite force of water better. You want longer, deeper, and wider. The hunter is a border line boat, simmilar to the C&C, a great off shore boat( been on one in 18' seas) but slightly lacks the girth to handle the ability to track itself as well as grip a shoal swell. Definately check out hull designs, it's facinating stuff  

Kick ass John, way to go,Your right, the hunter is not off shore untill you take it there. Sail it fast and push the limits  

Move I have also ended the drinking while under sail, give thanks to the wife. Not sure where you guys are from, but if you sail, it sounds like you need to get the north east.  

Coastal definition!! To challenge or not? Every time you set to sea you are faced with risk and the knock of disaster. You are your own skipper, I plan to sail my Cal 25 solo to Md from Cape Cod, for the same reason we can't define. It is the personell challenge which we feel compelled to rise to, it's why we sail, we are addicted, no forum or analysis could ever define it, which is the beauty of our love, it's ours!!  

Jim Rushing

Blue Water Boat I keep my Hunter 35.5 at the Marina that builds Valiant sailboats. They like to tell the tale about an elderly gentleman that had a 40 foot Valiant built and got caught in a bad storm in the Atlantic. He couldn't handle it, so he pulled all the sails down and went below. Wedged himself in a corner and rode the storm out. He then sailed it home, sold it and ordered a 50 foot Valiant. He wanted to have room for a hired crewman to join him.  

Its All in t he Design This is great subject matter and the responses have been enlightening. I think that those of us who own Catalina's, Hunter's, etc., often consider ourselves in vessels that can do everything, but I believe that is far from the truth. When venturing into a yard and looking at the long strong hulls and keels of what I consider "blue water" boats, I instantly take note of the differences between my C-30 and those vessels. We won't toss price in the equation for now! Given the choice for sailing from Baltimore to Bermuda, the Catalina 30 is my last choice if a Valiant, Cape Dory, Hinckley, Swan, Lord Nelson, West Sail, Hans Christian, or even a Sabre or Pearson was provided for me. I chose the Catalina 30 because I believe it is perfect comfortable coastal cruiser for the size and dollar. I define the coastal cruiser with one having more, "liveaboard amenity and comfort" over a vessel designed specifically to cross the oceans with emphasis on survival engineering regardless of interior space. Several of the responses refer to quality of material, codes and classifications, and even personal experience, but lets be realistic; its an unforgiving sea out there and although great seamanship is no doubt a part of it, when the time comes, you'll be glad that your winch's are backed with stainless plate's rather then a few washers! Or that your life line stanchions are bolted thru rather bolted in your deck!That's coastal versus blue water to me.RegardsBob  

Hunters Go the Distance (grin)  

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Town of Mesilla

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• Motorcycles

Harley-Davidson Fat Boy Vs. Fat Bob: What's The Difference?

There may be no other motorcycle as famous as Harley-Davidson's Fat Boy. Not only does it have a name that just sticks with you, but it also found itself on the market in 1990, just in time to have a memorable role in James Cameron's 1991 blockbuster "Terminator 2: Judgement Day." That wouldn't be the bike's only foray in Hollywood either because in 2007, John Travolta's character found himself on top of a 2006 Screamin' Eagle Fat Boy for "Wild Hogs." Had the movie been made only a year or two later, Travolta might have found himself on a 2008 Fat Bob instead.

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On paper, the two bikes aren't too different from one another. A couple inches difference here and there in their dimensions, but the difference in style couldn't be more apparent when looking at them. The Fat Boy 114, as the name suggests, is a big bike. Where else does a larger motorcycle belong other than the road? The open road, to be exact.

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The Fat Boy 114 is a bike you want if you're looking for that classic Harley-Davidson look. It has many notable upgrades that make it a modern motorcycle for the modern person, such as a digital odometer and fuel level, but its analog speedometer gives the rider a nice classic feel. The Fat boy comes in with a slightly higher price tag than its Fat Bob cousin, with an MSRP of $21,999 for the base model. Anything extra will naturally hike up the price.

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While the 2024 Street Bob 114 is perfect for maneuvering through city streets, the Fat Bob has no problem with longer distances. Sure, it might only hold 3.5 gallons of fuel and be more compact than the Fat Boy, but according to Forbes , the seat is very comfortable, which is crucial for the long haul.

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Unlike the Fat Boy, the Bob comes with a digital speedometer as well as a digital odometer, fuel gauge, clock, and trip and range indicator. The only analog gauge is the tachometer. There are foot pegs with enough space for a rear passenger, but if the additional rider is anyone larger than a child then both the driver and passenger will be riding uncomfortably until they're able to stretch their legs. Unless you want add-ons and a different paint scheme, the sticker price for the base model of the Fat Bob is $18,899.

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NEWS... BUT NOT AS YOU KNOW IT

We bought a mouldy narrowboat on Facebook Marketplace — it saves us £10,000 a year in London rent

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Having purchased a ‘mouldy’ narrowboat online and renovated it into their dream home , one London-based couple have saved themselves £10,000 a year in rent.

Nancy Kerina and Dale Rankmore, 26 and 32, first met during a ski season in Andorra – but when it was cut short as the pandemic hit, they decided to look at moving in together.

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They finalised buying their chosen boat in September 2020 – which was stationed in Bath at the time – and began renovating it while moving to London.

But it didn’t come in great condition, as it was both damp and mouldy.

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‘It wasn’t all perfect, [but] we appreciate it so much now,’ Nancy reflects.

Their savings are notable, spending £100 per month for a cruiser license – which means they need to move from their spot along the canal every two weeks, and have to travel at least 20 miles out before they return to the same spot.

And though it was a little cold when they first started renovating it, now they’ve got a log burner on board, it’s nice and cosy. Between November and March, they spend £150 on this cost, and have also invested £1,000 in solar panels to save on electricity.

Meanwhile, many of their friends who live in London pay £1,000 in rent for a house share – something they label the ‘bane of their life.’

By comparison, Nancy and Dale’s total bills and licence costs come to £1,950 per year, saving them £10,050 on London rent.

‘We have stayed in some really nice high-end places [like Kensington] for £100 a month. It’s totally different seeing it from the canal,’ Nancy says.

The boat isn’t the only investment they’ve made: they also bought a van – which had already been renovated by the previous owners – from Facebook Marketplace in June 2023 for £4,500.

They took it on their first trip to a festival in Croatia this summer, stopping off in Germany, Austria, Luxembourg and Slovenia on the way there – and when they arrived, Dale proposed.

‘Little did I know his friends were bringing the ring with them,’ Nancy recalls.

In the future, they’d like to build a tiny home and upgrade their van, so they have more space to start a family.

‘Sharing that with our future children will be the best thing,’ Nancy concludes.

Do you have a story to share?

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Am I too old to open a Roth IRA? Don't count yourself out just yet

Are some Americans too old to bother with a Roth IRA ? 

The Roth entered the retirement savings world in 1998, a moment when most boomers and many Gen Xers were launched in their careers and set in their financial ways.  

By design, the Roth favors the saver who contributes early and withdraws late. You pay the taxes up front when you put money in a Roth account. If you follow the rules, all the interest you subsequently earn on the investment is tax-free.  

Perhaps it is no surprise, then, that few older Americans have Roth accounts. The share of Vanguard clients with Roth IRAs in 2023 dwindles by age , from 21% at ages 25-34 to 9% at age 65 and older. 

The Roth “got invented in the middle of their working career,” said Christopher Lyman , a certified financial planner in Newtown, Pennsylvania, speaking of boomers. “They had everything set on autopilot, and life happens.” 

Retirees and older workers are less likely to have Roth IRAs

Experts cite several good reasons why Roth IRA participation is lower among older Americans.  

First, many older workers entered the workforce at a time when the Roth did not exist.  

Second, many late-career Americans are earning the most money they will ever earn. Your peak earning years are not generally the best time to start a Roth account because of the tax bite. 

Third, the Roth is a powerful tool for young savers, and young savers know that. Roth contributions at the start of your career can reap tax-free interest for decades. 

“That’s why it’s so great for the young kids,” said Laura Mattia , a certified financial planner in Sarasota, Florida.  

Early in your career, you are probably earning less and paying taxes at a lower rate, Mattia said. At that age, and in that tax bracket, you will take a smaller tax hit by contributing to a Roth IRA and paying the taxes upfront. 

Many advisers consider the Roth a good deal for anyone earning a typical full-time American salary, which is about $59,000 a year .  

“Are you in the 22%-or-less bracket?” Lyman said, referring to the tax rate for individuals earning five-figure incomes in 2024. “Then, we would recommend doing Roth.” 

What's the difference between a traditional IRA and a Roth?

In a sense, traditional and Roth IRAs operate in reverse. You contribute pretax dollars to a traditional IRA or 401(k). In effect, you are postponing the taxes until retirement, a time when you are likely to be living on a fixed income and paying a lower tax rate than in your working years.  

With a Roth, you pay the taxes upfront. After that, the interest is generally tax-free. 

Here’s a vivid example of how a Roth account can pay off: Peter Thiel, a founder of PayPal, famously (or infamously) leveraged a Roth IRA to grow a four-figure retirement fund into $5 billion , without paying taxes on the earnings.  

Thiel started that account in his early 30s. But Roth IRAs are not only for the young, experts say. 

“There are definitely reasons to do it in your 60s, and even later,” Mattia said. 

Here’s one: Your peak earning years will not last forever. As you approach retirement, you will probably dial down your income, and your tax rate. Eventually, you will reach a point where Roth contributions have comparatively mild tax consequences. 

“Let’s say you retire. Now, it’s possible that you find yourself again in a lower tax bracket,” much like at the start of your career, said Sabino Vargas, a senior financial adviser at Vanguard. 

The Roth conversion: Confusing but compelling

As Americans ease into retirement, many consider a Roth conversion .  

In a Roth conversion, “you’re taking money out of a conventional IRA, you’re paying taxes on it, and you’re converting it into a Roth,” Mattia said. There, the money can continue to amass interest, tax-free. 

A Roth conversion can diversify the retirement savings of an older investor who hasn’t gotten around to opening a Roth account.  

The math is complicated. Yet, working with a financial planner, older investors can use a Roth conversion to pare down taxable income in retirement, potentially lowering their future tax rate. 

Retirees generally must start making annual withdrawals from tax-favored retirement accounts at age 73, so the government can begin collecting its taxes.  

For a wealthy investor with a large retirement fund, those required distributions can generate a lot of taxes in retirement. Moving money into a Roth account beforehand can ease the tax burden because it reduces the taxable portion of your savings. 

“I just ran one plan for a 62-year-old woman,” said Michelle Crumm , a certified financial planner in Ann Arbor, Michigan. “She is going to start converting $70,000 per year in a Roth for the next 10 years. If she lives to age 90, she will save over $800,000 in taxes.” 

The Roth conversion is such an important tool, Vargas said, that Vanguard counts it among three key retirement decisions in its Tax-Efficient Retirement Strategy.  

(The other decisions concern when to begin collecting Social Security, and how to coordinate withdrawing money from different types of retirement accounts.) 

Convert to a Roth IRA or not? It's an important retirement question facing Gen X.

A Roth IRA inheritance is great for your heirs

If you plan to pass on some of your Roth retirement savings to your heirs, experts say, the heirs will reap the tax benefits. 

If your children inherit money from a traditional IRA, they generally pay taxes when they withdraw the funds. If they inherit Roth IRA dollars and follow the rules, the taxes are already paid. 

“They don’t have to worry about figuring out taxes,” Mattia said, “because there are no taxes.” 

In the final analysis, financial advisers say, a Roth IRA is a good way to diversify your retirement account, giving you a mix of taxable and tax-free savings. 

“Overall, the flexibility and tax advantages of a Roth IRA make it a valuable component of a well-rounded retirement strategy,” said   Spenser Liszt , a certified financial planner in Dallas. “Even for those who start investing later in life.” 

Differences Between The 2024 Toyota Land Cruiser And 2024 Lexus GX

2024 toyota land cruiser.

Expert Opinion: The 2024 Toyota Land Cruiser marks the introduction of the seventh generation Land Cruiser in the States. The new model blends the heritage of the storied Land Cruiser with modern features, including its hybrid powertrain. The smaller, boxy design of the new Land Cruiser model makes it more agile out on the trails. Its 2.4-liter turbocharged engine and hybrid powertrain make it much more economical to run than past models.

• Hybrid engine performance
• Off-road performance
• Towing Capability
• No three row option
• Standard feature offering
• Steep pricing

2024 Lexus GX

Lexus introduced the brand-new third-generation GX SUV for the 2024 model year. The GX received a radical redesign with retro-inspired styling. Currently, only the GX 550 will be sold in the US with the 3.4-liter, twin-turbo V6 engine. The GX Overtrail models are specially designed to be a serious but luxurious off-roader.

• Towing Capacity
• Luxurious interior loaded with features
• Retro-inspired styling
• No hybrid powertrain yet
• Poor fuel economy
• Space for middle seat passenger in second row

Toyota reintroduced the Land Cruiser in the US. However, it is not the J300 Land Cruiser that is sold in Japan and the Middle East. The model bound for America is the J250 Land Cruiser, which will drop the 'Prado' badge. While it will be smaller than before, its off-road capability will remain, if not improve, over the last model sold in the US. But if you're looking for something just as potent, but with a touch of luxury, the Lexus brand has introduced the all-new GX . The 2024 Land Cruiser and Lexus GX are different SUVs, but both share the same body-on-frame GA-F platform.

We compare the two new SUVs , to find out if the appeal of the Land Cruiser's retro styling is strong enough, or if the boxy and tough look with the luxurious nature of the GX is better value.

In order to bring you the most up-to-date and accurate comparison possible, we've relied on information sourced from Toyota, Lexus, Fueleconomy.gov, NHTSA, IIHS, and hands-on experience. For information regarding our ranking and grading procedures, please refer to our methodology policy.

10 Things We Just Learned About The 2024 Lexus GX

Performance and capability.

The Toyota Land Cruiser is powered by the turbocharged 2.4-liter T24A-FTS inline-4 cylinder engine. Toyota offers this engine with a hybrid system that uses an electric motor that stores energy in a 1.87 kWh Nickel-Metal Hydride battery pack. The 2024 Lexus GX, on the other hand, is powered by the 3.4-liter V35A-FTS twin-turbo V6.

Base Powertrain Comparison

In the 2024 Land Cruiser , the hybrid four-cylinder engine is tuned to produce 326 hp and 465 lb-ft of torque. This engine is paired to an 8-speed automatic transmission and four-wheel-drive as standard. The Lexus GX is more powerful as it makes 349 hp and 479 lb-ft, and it comes with a 10-speed automatic gearbox. Additionally, four-wheel-drive is also standard. Neither the Land Cruiser nor the GX are available with 2WD.

Full Performance Specifications

Even though the Land Cruiser and the GX are siblings, the V6 engine is not offered in the Land Cruiser, but the hybrid inline-4 motor is not available on the GX for the US market. While there is no official confirmation, Lexus may introduce a hybrid version of the GX with the same engine as the Land Cruiser, which could make the GX more economical.

Fuel Economy

The Land Cruiser's four-cylinder hybrid powertrain is EPA rated to return 22 MPG in the city and 25 MPG on the highway, for a 23 MPG combined rating. However, the Lexus GX's larger non-electrically assisted V6 is not as efficient. The GX is rated at 15 MPG in the city and 21 MPG on the highway for a combined rating of 17 MPG.

Gas Mileage Figures Sourced From The EPA

2024 Toyota Land Cruiser: Everything Confirmed So Far

2024 toyota land cruiser vs. 2024 lexus gx towing and off-road capability.

Toyota claims the new Land Cruiser is capable of towing up to a maximum of 6,000 lbs. The default towing capacity of the new Lexus GX is 8,000 lbs. However, the GX 550 Luxury trim is marginally less capable at 6,990 lbs, while the Luxury+ model is even lower at 6,780 lbs. However, any model of the Lexus GX can tow heavier loads than the Land Cruiser.

Towing And Payload Capacities

Off-Road Capability

The Land Cruiser boasts a 31-degree approach angle, 25-degree breakover angle and a 23-degree departure angle. The Lexus GX with the Overtrail package has a 26-degree approach angle, 24 degree breakover angle and a 22-degree departure angle. While the Land Cruiser has a superior approach and breakover angle than the GX, its 10.9 inches of ground clearance is better than the Land Cruiser's 8-inches of ground clearance.

Off-Road Specifications

2024 Lexus GX: Every Trim Compared

Interior design and technology.

The interior of the new Land Cruiser is not designed to be luxurious , but modern and purposeful. The switches and dials on the dash are positioned in easy-to-reach areas for the driver that make it user-friendly. Strangely, despite the high price, the base 1958 model offers cloth seats, while leather upholstery is used on the higher trims. Nonetheless, the seats in the Land Cruiser are comfortable, and the interior offers an impressive amount of headroom and legroom for all passengers.

There is clear evidence that the Lexus GX borrows the overall interior design from the Land Cruiser. However, the general vibe in the cabin is quite premium and luxurious as the materials are a step-up from the Toyota. The GX offers an ample amount of interior space in the front and second row, while the third row can be a squeeze for adults. Lexus also offers a six-seat model that swaps the bench for captain's chairs in the second row with heated function.

2024 Toyota Land Cruiser Vs. 2024 Lexus GX Technology Comparison

The 2024 Land Cruiser has an 8-inch touchscreen infotainment system which is quite small for a vehicle of its price range. Although higher trim models offer a bigger 12.3-inch touchscreen center infotainment. Wireless Apple CarPlay and Android Auto are standard with the Land Cruiser. The base model has a traditional gauge cluster with a 7-in digital screen, the higher models feature a 12.3-inch fully digital gauge cluster, up to six USB charging ports and a wireless charging pad.

In contrast to the Land Cruiser, the Lexus GX offers a larger 14-inch touchscreen infotainment system as standard, which integrates the HVAC controls at the bottom with two dials that control the temperature for the dual-zone climate control. The touchscreen is just as easy to operate, and it features wireless Apple CarPlay and Android Auto. The GX also offers the driver with a fully digital 12.3-inch screen for the gauge cluster, up to six USB-C ports, and a wireless smartphone charger.

Interior Room And Cargo Capacity

The 2024 Toyota Land Cruiser is only sold as a two-row five-seat SUV. Behind the rear seats, the Land Cruiser has a cargo volume of 37.5 cu-ft, but it can be extended up to 98 cu-ft with the rear seats folded. The 2024 Lexus GX is offered as a three-row 7-seat SUV by default that offers 10.3 cu-ft of cargo volume. But with the third row folded, the GX offers 40.2 cu-ft of space, which is more than the Land Cruiser. However, with the second row also folded, the space only expands up to 76.9 cu-ft. However, the GX 550 Overtrail models are five-seat only models that offer 45.6 cu-ft of space behind the second row, but can only extend up to 90.5 cu-ft, when folding the second row.

Cargo Space Comparison

Why The Toyota Land Cruiser 70 Is Not Coming To The U.S.

Safety and reliability.

The 2024 model Land Cruiser and GX SUVs are brand-new vehicles which have just been introduced. That is why the IIHS and the NHTSA have not evaluated either the GX nor the Land Cruiser for crash worthiness and safety yet. However, safety features and driver's aids like automatic emergency braking, lane departure warning and assist, blind-spot and rear cross-traffic warning are available.

2024 Toyota Land Cruiser Safety

Nhtsa 5-star safety ratings.

• Recalls (NHTSA): # 0
• NHTSA Investigations: # 0
• NHTSA Consumer Complaints: # 0

2024 Lexus GX Safety

• NHTSA Consumer Complaints: 0

Reliability Comparison

The NHTSA does not report any recalls, investigations or consumer complaints against the two SUVs. But to further reassure customers, Toyota and Lexus offer suitable warranty packages. Toyota offers a 3 year / 36,000 mile basic warranty, a 5 year / 60,000 mile drivetrain warranty, 5 years of corrosion protection and 2 years of roadside assistance. However, Lexus offers an elongated warranty package with a 4 year / 50,000 mile basic warranty, 6 year / 70,000 mile drivetrain warranty, 6 years of corrosion protection and 4 years of roadside assistance.

FIRST DRIVE: Can The 2024 Lexus GX Live Up To The Hype?

Pricing and availability.

The new Land Cruiser 250 is sold in the US in three trims; 1958, Land Cruiser and First Edition, and they are not cheap. The 2024 Toyota Land Cruiser starts at a price of $55,950 for the base '1958' model. The mid-spec 'Land Cruiser' model costs $61,950. The most expensive version is the 'First Edition' model, which costs $74,950.

However, its luxurious sibling, the Lexus GX's asking price is comparable, but offers more equipment. The base 2024 Lexus GX 550 model costs $64,250 for the Premium model, while the Premium+ model costs $69,250. The GX 550 Luxury and Luxury+ models are priced $77,250 and $81,250, respectively, making them the most expensive versions of the SUV. However, Lexus introduced the Overtrail line with the new GX that offers a more off-road oriented design and equipment. The GX 550 Overtrail and Overtrail+ models are priced at $69,250 and $77,250 respectively.

Trim Pricing Comparison