Alternator Bracket Long

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Alternator Bracket Long
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A wing engine is used for emergency propulsion and also efficient engine running at low speeds.

One possible issue with twin engine installation in a motor cruiser, is access for servicing. Depending on how deep the V bottomed hull is, it can be difficult to get to the outboard sides of the engines.

When an engine needs upgrading, rather than rebuilding the existing engine, and only if there is space, it is possible to build a wing engine. This will ensure that access to main engine is not compromised and there is access to the extra engine.

The wing engine will offer two benefits - an emergency means of propulsion, and a single engine working hard when slow speed is required. This is much better than running the main engine under very light load.

Adding the extra engine and fuel system to a heavy build means the fully laden displacement may cause the boat to exceed its specifications, and possibly compromise cruising speed. Engine choice has to be a compromise of cost, weight, size and power.

A 13hp motor will give around 4.5 knots in calm conditions and about 8 miles per gallon. Running the engine at 10hp will give around 4 knots and 10mpg. A 14hp Kubota-based engine, on a boat like this, should fit requirements and with a 40A alternator fitted will offer excellent battery charging while running under a reasonable load. An alternator will offer little charge with the engine running at low rpm.

For a main engine with a capacity of 100gal, giving a potential range of over 200 miles at 10 knots, a wing engine should use a standard 10gal - giving a useful range of around 90 miles at 4 knots.

As part of fail-safe philosophy, the two fuel systems are not connected, each having its own filter. The two electrical systems are also completely independent. They could be interconnected using jump leads.

Its worth considering that a major part of this kind of project could be the calculation of the position of the engine beds to give the required angle for the shaft, and the length of shaft and the size and position of the P brackets.

Once the engine is set up, a hole is drilled through the hull and after checking the alignment, a full size hole must be bored for the stern tube, the shaft fitted and P brackets fitted. The tube is then glassed in place, the P bracket bolted through internal and external backing pads and the stern gland fitted. Once the propeller shaft is in pace, proper alignment should be carried out. And with the engines exhaust bend close to the waterline, a water separator should be fitted with a swan neck to ensure no cooling water can find its way back to the cylinders.

With all the hard work involved in fitting a wing engine, is it worth it? Fitting a wing engine gives the added benefit of single engine accessibility, economical low speed cruising when necessary and the luxury of a completely independent back-up population system.

Visit TheYachtMarket.com for further information on boat maintenance and to view thousands of boats for sale. Add your own winterizing tips to TheYachtMarket's boat winterizing discussion.

Opportunity Cost and your Long Term Care Decision

If you are out shopping for long term care (commonly abbreviated as LTCI or LTC), I'm going to encourage you to take a look at a way of providing long term care benefits that is probably new to you. On the other hand, if you are in the crowd that thinks they will never need long term care, I would also suggest you evaluate this line of thinking.

Dick and Jane are both age 65, recently retired and models of good health. They have ignored the long term care subject until recently. They just put Jane's mother, who is 88, into a nursing home. Talk about sticker shock! She is in a nice place, but Dick and Jane are not 100% certain that her assets will allow her to stay there for the rest of her life.

Consequently, they have been out looking at long term care for themselves. They figure they can afford to insure a portion of what it might cost them if they ever need some form of LTCI, so they are looking at a benefit of $3,000 a month. The premium is around $4,200 a year.

Here's a new concept that Dick and Jane must become accustomed to now that they are retired. They both had good jobs during their working years. If they ever wanted to buy anything, it was just a question of looking at their income to see if they could swing the purchase. Pretty straightforward.

Now that they are retired, most of their expenditures are going to come from investment returns on the assets they have accumulated, not income from working. So they need to understand the difference between premium cost and opportunity cost. Here's what I mean…

If they elect to buy this $4,200 a year long term care policy, the money has to come from somewhere. Chances are it's coming from the interest earned on perhaps a CD or an annuity. But there is an opportunity cost associated with paying the premiums from earnings on any asset.

Let's say they are going to pay this $4,200 from the interest on a CD they own which is earning 5.4% interest. Since interest is taxable, and assuming they are in a 15% tax bracket, they would have to have $91,300 in that CD to produce $4,200 after tax to pay the premium.

They can't spend the $91,300. It can't grow. Basically, they have "committed" $91,300 of their assets to pay the premium on their LTC policy. That's the one "job" of this $91,300. The premium may only be $4,200 a year, but the opportunity cost is $91,300.

Let's take a look at another of their alternatives. It's called asset based long term care. How it works will unfold as I provide the example and contrast below.

One approach to asset based long term care involves re-positioning $91,300 of Dick and Jane's CD to a combination long term care/life insurance policy plan with an insurance company. Here's what moving this money does for them…

The money on deposit with the insurance company grows at interest, but it is tax-deferred interest so the insurance company will not send them 1099s every year for an amount they have to pay tax on like the bank is required to do. In 10 years, assuming current rates, the $91,300 will grow to $127,000; in 20 years $161,000. The CD, remember, does not grow, as its job is to spin off interest to pay the annual $4,200 premium on the traditional LTCI plan.

If either Dick or Jane needs any form of long term care, the insurance company plan will pay them $3,900 a month for 50 months--$900 a month more than the traditional plan.

But here's the real kicker.

If Dick and Jane never need long term care, then the camp that doesn't buy it would have been right. If Dick and Jane bought the traditional long term care plan, in 10 years they would have paid out $42,000 in premiums and about $7,400 in taxes on their CD interest in order to net out the required premium. That's a total of $49,700. The $91,300 portion of their CD would still be $91,300.

However, if Dick and Jane never need long term care, chose the asset based long term care plan and both die, for example in 10 years, the outcome is different. They have paid no annual premiums and the life insurance company will pay about $198,000 tax free to their kids.

Which sounds like a better plan?

About the Author

Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, "The Estate Preservation Advisor". For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate, go to http://theestatepreservationadvisor.com/freevideo.htm

If the AC compressor on a Chevy 4.3 goes bad, will the engine become inoperable?

I've been working on a 1990 Chevrolet 1500 pickup. It has a 4.3 V6 and was factory equipped with air conditioning that no longer works. Since it doesn't function anyway, and since I'm about to replace the alternator and serpentine belt, should I ditch the AC compressor while I'm at it? I know that on some vehicle applications, if the compressor locks up, the car will throw the belt and wont run. Is this one of those applications?

Dorman makes a bypass bracket and pulley that installs in place of the compressor. Should I put one in or leave it alone? Cheap insurance or a waste of time?

If the ac compressor is bad then yes I would take it off and get the bypass kit. If the compressor is good then no I would leave it alone. The compressor has a electric clutch on the front of it and when you turn the switch on it kicks into place and the ac compressor kicks on. So if the compressor is good leave it alone and just remove the fuse that controls the switch.
I Hope this helps

2000 Skoda Felicia Classic review from UK and Ireland
What things have gone wrong with the car? Windscreen leaked onto foam below dashboard - common fault; annoying, but didn't get fixed.

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