If you set up your "business account" with wholesalers to stipulate "DO take out taxes", then there should be no problem later, because the issue the government
cares about is NOT "did you get 40% off on your home project", But "did you pay taxes on your purchases".
What many wholesale businesses care about is not so much the legitimacy of your business, but if they send a rep to your boat building sight, (like they did mine), does it look like a HUGE volume of business that they stand to get with you. (> $20,000) Their agreement not to sell to "individuals" is with their other clients, not the government
... IF you have a "DO pay taxes" account.
If you have a COD account on the hundreds if not thousands of deliveries, this eliminates all credit/background checks as well. They make a bunch of money on you, you save about 40%, the Gov gets its cut, and everybody is happy!
BTW, On a different note... Almost all cruisers are couples. So to compare your "cost of cruising" to them, you have to double your living expenses first...
You would need absolutely NO income for 20 years, except what goes into a bank account that you can see clearly how much goes out of, and spend NO money except out of that account.
You would need to average these expenses, plus the "doubled" living expenses, over 20 years minimum. This includes ALL money for the boat... including a standing rigging
and sail replacement, several replacements
of all running rigging
, ground tackle etc. ALSO... every electronic or mechanical device on the boat will probably be replaced at least once, including the dink & its accessories. (Not to mention ALL fuels, the regular breakdown expenses, damage to the boat, and haulouts).
You also have to add up ALL expenses on communication, land trips, clearing in/out expenses, taxes, ALL insurance
, home or storage
building, vehicles & their expenses, contributions, gifts for others, eating out, all food
& supplies, and ALL health
related expenses... (Added up over 20 years and averaged out).
ONLY by doing this does one know the REAL cost of their lifestyle. No one adds up everything! We estimated our "cost of cruising per year", but averaged out over 20 years, that number was about half of what we REALLY spent. It is easy to deceive oneself!
This point of view is the result of "building a boat and sailing away" to see as much as I could, three times over 40 years. The first boat was run down and totaled, so I have to add in the total expenses to build that one as a loss. The other boats' "building expenses", as well as our living expenses while building them, (21 years), have to be averaged in too. This is NOT an easy or inexpensive pursuit, unless one lives like a bum on a bum boat, and does very little... which isn't fun!
We have cruised as the least "funded" 1% of all cruisers, and there are many tips on cruising & living inexpensively that are very useful. I'm not seeing many of them here though.
It makes sense to size the boat, its equipment
, and comfort level, to live within your means, but beyond that, there is nothing "noble" in talking about how cheaply one cruises whatsoever! That totally misses the point. "The idea" when you go from country to country on your boat, is to experience the food
, the people, take inland trips, REALLY see the sights. If I have any regrets, it is that I had so little to spend in these wonderful places, and my fondest memories are of the few inland trips that we took, which dug deep into the "cruising kitty". (places like Tikal, Antigua
, or Lake Atitlan in inland Guatemala
, or the worlds largest radio
telescope at Arrecibo, in central PR)...
Over many years, the need for "basic comfort" becomes greater, or you will give it up in a few years. (I.E. We eventually added memory foam to our bunks, and made the settees wider.) Also over time, you will need more "stimulation", or your brain will ROT
. (There are a disproportionate number of "down N out alcoholics", living on boats.)
Go to fewer countries if necessary, but don't skimp on money SO much that you don't really get to know the places that you go to.
The POINT is to enjoy ones life, and sitting in a nice tropical place while experiencing nothing more than a mile from your boat, may SOUND romantic, but over years you realize that there is more to life than that!
If in the process of "seeing the sights", you spend all of the "cruising kitty", (like we did), sail back, get a job, and save up for the next cruise
. Don't short change yourself by traveling TOO cheap
. Life is short!
Balance Grasshopper, balance...