Let's say you're a typical low-paid working stiff. You've sailed small boats all your life, you've saved a little money--you're finally ready for a real cruising boat. You drop in on Tadd, your friendly neighborhood yacht broker, who is more than happy to sell you that brand-new Trickledown 32 for only $90,000, plus a few optional extras like anchors, sails, cushions, a compass, instruments--stuff like that; say, $115,000 ready to sail. "One hundred and fifteen thousand. dollars?" "Not to worry," says Tadd. "Only 20% down and 10.
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