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RE: Full Timing and Inflation
Do you worry about Inflation destroying your retirement? I would like to retire in 10 years and wonder with the current rate of Government spending if my retirement will be worth anything. I work with a retired person who supplements his retirement with a part time job to help pay for insurance. I see more and more people of retirement age returning back to part time work to make ends meet.
Colliehauler;
If you plan on retiring in 10 years, make that one of your top priority goals. You can be making investments between now and then that will meet or beat inflation.
I have been planning for retirement since I turned 16 years old, and have really been cranking up investments for the last 10 years. Some of the things I have done is cut expenses everywhere possible and invest the saved income. I have also worked a second job, part-time weekend jobs, and has many overtime hours as I can get and invested all of that money as well. Take advantage of pretax retirement accounts that you are elligible for with some of them possibly being a 401(k), 403(b), 457, and IRAs. The max amount of these 4XXX accounts are $16,500 and IRAs are $5000 per year and when you turn 50, you can add $5000 extra per year to the 4XXX accounts and you can add $1,000 extra per year to the IRA account. You can even open an IRA in both you and your wife's name to double the max amount you can save.
Once you are retired, you will find that RV living is much less expensive than living in a stick & brick home. All of your expenses will be much less except possibly medical care. For that one you will need to find some kind of health insurance and to get in as good of shape as possible to prevent many health problems.
While you are still working, you can start to save for your RV now. You may want to look into acquiring some different campground memberships to help defray camping costs when retired. Once you have your RV, you can install solar panels to help you to be able to boondock (if needed or wanted) so you don't have to spend every night in a camground.
When you invest your money, I highly recommend dividend paying exchanged traded funds (ETFs) and closed-end funds (CEFs) so that you can acquire both growth of your money as well as montly income.
It is good to be concerned enough about inflation to get you to make smart decisions now while you still have 10 years to work and prepare for retirement. Once you are retired and on a set income, about the only thing you could do at that point would be to get a workkamp job for pay or for free camping space. BUT, don't be so worried about inflation that you don't take advantage of the time you have now to get as prepared as possible for the inevitable.
Sergeant Major
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djpotts55
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10/27/09 08:55am |
Full-time RVing
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RE: Winterizing RV, Individual or Service Company
Just a heads up, starting and IDLING a diesel is NOT good! No matter how long you run it, it's worse than not starting at all. That said, if you can take it for a 20 mile drive, then that's OK. The Generator should be run for 1-2 Hrs. WITH a load.
Thanks for the tip. We took it for a long drive in April and that was right after a full service on the coach. I have been told by several RVers to run both engines for about 45 minutes to 1 hour every 1 to 3 months to keep the cylinders and crankshafts lubricated. We will be taking it back out again in the Spring for some camping trips. Thanks for the info on putting a load on both engines.
Try contacting TNT RV Service , TX 618-664-4868 and explain your problem to them, as they are only 10 miles away. Or TX 618-669-2781 This is a camp ground, but the might know of a person who would do the winterizing.
Thanks for the names and phone numbers. I will be calling TNT RV Service today. This was the exact information I was looking for; an RV Service Center that is close to where the RV is garaged.
WOW, this is what makes this board so useful to use. Thanks to both of you for your helpful advice!!!
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djpotts55
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10/22/09 08:01am |
Tech Issues
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Winterizing RV, Individual or Service Company
I have my RV in storage in Pocahontas, Illinois at this time. It has access to water and 15 amp electric. My dad is a 75 year old (semi-retired) truck driver. He starts my rig and jenny once every month and runs the engines for a good 45 minutes. I am looking for an individual or an RV service company that can winterize my RV at its current location (if possible). I did not want to fly round-trip across country to go and do it at this time and my dad would rather have someone with more experience with RVs do the winterization. The RV is a Newmar Essex 4503 with a 500 hp diesel engine. He could drive it to a service center, but it would better if I can find someone that can simply winterize it at its present location in Bond County, Pocahontas, IL; the rig stored only a couple of miles away from I-70.
:S
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djpotts55
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10/22/09 05:30am |
Tech Issues
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RE: AVG Anti-Virus need to Upgrade?
According to the June 2009 issue of Maximum PC magazine, the best FREE antivirus is AVIRA ANTIVIR and the best FREE malware software is MALWAREBYTES ANTI-MALWARE. Read the entire article The 32 Totally Essential (and Free) Apps for Every New PC.
AVIRA ANTIVIR: At first glance, you might be inclined to dismiss Avira’s AntiVir as nothing more than a run-of-the-mill virus scanner with a feature set that’s as meager as its price. The sparse interface certainly won’t wow any power users, but it would be a mistake to cast AntiVir aside based solely on appearance. A tiny checkbox in the upper-left corner of the configuration screen unlocks the program’s Expert mode, and with it a heap of options previously unavailable. You’re given enough control not to feel cheated, even for software you didn’t have to pay for. AntiVir’s biggest strength lies in its detection rate. It’s the only scanner in our AntiVirus roundup to triumph with a near clean sweep during Virus Bulletin’s latest testing, and it did so without reporting any false positives. That’s impressive.
MALWAREBYTES ANTI-MALWARE: For even the savviest of PC users, it’s a real challenge to go very long without picking up some sort of malware. A good antivirus program and firewall are important for keeping the baddies at bay, but for when you do happen to get an infection, it’s important to have a strong anti-malware program at hand. It’s a broad field, and (as we discuss in this article) a thorough sweep needs more than a single program, but for most simple cleaning tasks Malwarebytes Anti-malware should be all you need.
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djpotts55
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07/29/09 05:49am |
Technology Corner
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RE: Where to Camp after spending winter in Yuma
I too give a thumbs up for Flagstaff. Higher elevation with cooler temperatures and beautiful pine forests. This would also be a good in-between spot between Utah and Yuma.
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djpotts55
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07/20/09 03:06pm |
RV Parks, National Parks, State Campgrounds & More
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RE: Goodyear RV Tire and Care Guide
What we all need is the link to adjust inflation psi for weight carried.
OK, here you go:
Firestone Load/PSI Tables
GoodYear Load/Inflation Tables
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djpotts55
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07/18/09 12:34pm |
Beginning RVing
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Goodyear RV Tire and Care Guide
Here is a link to a free brochure by Goodyear. This is one you may want to download to your computer for future reference or at least place a link to it. There is a lot of useful RV tire information directly from the tire manufacturer.
Goodyear RV Tire and Care Guide
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djpotts55
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07/18/09 10:54am |
Beginning RVing
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Rx for Light Trucks, RVs, Mini-buses & Ambulances
Here is a link to a FREE online brochure put out by Firestone. You may want to download it to your computer for future reference or at least link to it.
This brochure covers:
• Loading and underinflated tires
• Weighing your vehicle
• Determining your vehicle’s capacity
• Tire usage and care
• Repairs
• Air: your most important asset
• Protecting your asset
• Dealing with duals
• Measuring and maintaining psi
• Checking the tire air pressure
• Common terms
• How to get help
Rx for Light Trucks, RVs, Mini-buses & Ambulances
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djpotts55
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07/18/09 10:44am |
Beginning RVing
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RE: thousand trails with 45' coach
Shouldn't have a problem at Thousand Trails Campgrounds. Even if they say 40' or less, you will not have a problem with a 45' coach. If you say your coach is 40', they will take your word for it and nobody is going to measure it. Most of the parks have pull- throughs and the ones that have back-ins are still very deep. You will enjoy your 45' coach at TT, NACO, and LTR, and if you have the add-on memberships at reciprocal parks such as ROD, C2C and RPI!
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djpotts55
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07/12/09 12:15am |
RV Parks, National Parks, State Campgrounds & More
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RE: Affordability of full time RVing
If you have your RV and toad paid off and you spend the money up front for a good rooftop solar system and you boondock as much as possible, you should be able to live on a $2500.00 monthly salary without much problem. My parents are retired and live in a stick and brick home on much less than that. You can also work part-time or full-time on the road to supplement your income; workamping is very popular amongst retired RVers that need to supplement their incomes so they can stay on the road.
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djpotts55
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07/11/09 11:47pm |
RV Lifestyle
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RE: New to RVing....
akadeadeye;
Put me on your buddy list so that I can send you some info by private message.
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djpotts55
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07/07/09 09:50pm |
Class A Motorhomes
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RE: New to RVing....
Many of the mid-engine coaches (Newmars as well as other makes) I have seen are bunk bed models. Biggest drawback is that many of them do not have very much basement storage. Make sure you have enough storage bins down there, especially if you are taking along two or three kids with all of their stuff. Storage space is very important and the way they put the mid-engine coaches together, they tend to lose tons of basement storage!
Newmars are one of the absolutely best built coaches out there. I did tons of research before buying a Newmar for myself. I don't think you can go wrong with one purchased at the right price.
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djpotts55
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07/07/09 08:11am |
Class A Motorhomes
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RE: Advice on older diesel class A motorhomes
Here is a nice 1993 36 ft Foretravel diesel pusher. The auction ends in less than 3 hours. If it doesn't sell, contact the seller after the auction ends. It has a Buy It Now price of $27,500. You might be able to offer $25,000 to get it within your budget range.
1993 Foretravel 36ft diesel pusher
Foretravel 36ft diesel pusher custom paint!! nice !!
Vehicle Description
Hey there motorhome buyer,here is the one !! this is a supernice FORETRAVEL UNIHOME .those of you that are familiar with motorhomes already know the reputation for quality that foretravel has .This motorhome was 193,000 dollars new in 1993,and new foretravel coaches are 400,000 and up now i was told. This is a real nice bus that you will really be proud of and I will sell for under 30,000 dollars ,that is very cheap for a diesel motorhome of any brand . this motorhome has the 250 hp turbo 6 cylinder cat engine and it runs absolutely perfect and gets 7.5 mpg at 75 to 80 mph ,it will run faster but that is up to you ,it has the 6 speed allison that works fine,the propane 6.5 powerplant starts and runs like new,the wheels and tires are the big 22.5 size and are all excellent,the outside appearance is striking and looks like something for a race team,not some boring color scheme. The interior is excellent especially for the year model,all walnut paneling,corian counters,leather seats,ice maker,trash compacter,microwave/convection ,cedar lined closets,all drawers on rollers,backup camera,great stereo,satelite system,etc the only thing i don't like are the two small tv's that should be upgraded and the fridge doesn't stay cold on propane? it works fine when you are plugged in or the generator is on. i get a lot of compliments in this motorhome and you can pull any thing you want with it. If you are going to travel in cold climates foretravels are set up to withstand bitter cold or high heat ,they are awesome and without a doubt the best buy on the market in a used diesel motorhome any questions call jay at 956 624 2669 I might consider a car or boat or who knows if it does not sell on here THIS MOTORHOME HAS BEEN OPERATED IN THE SOUTH SO NO RUST OR CORROSION ANYWHERE I am relisting this because i keep seeing everyone bidding 25000 or more on these super cheesy off brands that are a few years newer than this unit but they just do not compare to my motorhome,this motorhome is nicer than these repo cheapies that are******brands when new let alone old dog repos,this is way nicer than most 98 to 2000 model diesels in this price range would you rather have cheap chinese tools or snap on?
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djpotts55
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07/07/09 08:01am |
Class A Motorhomes
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RE: Advice on older diesel class A motorhomes
Here is a nice MCI bus conversion for $20,000. It is older than a 1990, but it is still probably built to last a million miles.
MCI Bus Conversion
1978 MCI Crusader bus, converted in RV.
Vehicle Description
This is a 1978 MCI Crusader Bus, completely furbished and converted into an RV. The entire inside has been redone, It runs perfectly. There are some small details that need to be fixed if you are interested in living in, but they are not a big deal. It comes with new refrigerator, new kitchen cabinets, new hot water heater, TV, DVD, new microwave, new heater, new full size bed, black leather couch. It has a separate new shower, and a new bathroom. It has a sunroof and bus air conditioning. It has a Detroit Diesel Engine that was rebuilt in 2001 and now all is well checked about. The air pressure about airbrakes and airbag wheels system has been rebuilt as new, It has a 140 gallons gas tank. Just take a look at the pictures. Sold as is condition. Please feel free to contact me at any time with your questions. Available for pick up. Form of payment: Paypal or Cash in person. Clear title. Thank you so much for watching.
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djpotts55
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07/07/09 07:53am |
Class A Motorhomes
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RE: Golf carts, stay on the course
Here is the ulitmate buggie that I want, but I would need a trailer or car dolly to haul it around. Can't fit it on the back of the coach - too big and heavy. Its called a Bad Boy Buggie! For a hunter and fisherman like me, this would be better than walking, for sure!
Here is the photo page!
http://www.badboybuggies.com/photo_gallery.htm
Here it is in a video!
Bad Boy Buggie Video
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djpotts55
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07/07/09 12:09am |
General RVing Issues
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RE: Golf carts, stay on the course
http://www.trendhunter.com/images/phpthumbnails/3350_1_468.jpeg
If you hate golf carts so much, you are really going to hate this Hummer Golf Cart! For those golf cart lovers that also love cars and that may have an extra $14,750 USD, you way want to see your self driving a fancy golf car in the shape of your favorite real car, which also includes a Sony Explod Sound system, a 12V charger so you never drain your cell phone battery again, or laptop, and leather accesories.:S
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djpotts55
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07/06/09 11:49pm |
General RVing Issues
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RE: Border crossing trouble!
As long as you don't look Canadian, you should be just fine! All US Border Patrol Agents and Immigration Officers have common knowledge that drug runners from Canada are usually 25 years old, come from Montreal, and tend to hide drugs in the ceiling of their RV under an obvious new ceiling tile.
Kidding above, but not kidding here: I know in US airports, the airport security officers will nearly always shake down US military personnel in uniform so as not to appear giving them some kind of preferential treatment or favoritism. Heaven help the USA if they were to actually use terrorist profiling in our airports and borders.
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djpotts55
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07/05/09 10:28pm |
Class A Motorhomes
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RE: Why not wave??????
Waving to others in general is simply a big sign of weakness and shows others that we might be happy; all RVers need to keep a game face on. Waving is simply bad for RVing! If all RVers started waving at each other, we might accidentally wave to a non-RVer or a non-RVer might mistake one of our waves as if it was meant for them. Once that happens non-RVers might think that we are having fun while RVing; why else would we be waving so much. If everyone thinks RVers are having so much fun, they too might buy an RV and start living the RV lifestyle. Pretty soon their would be too many RVs on the road and in the campgrounds so that no one else could enjoy RVing. We would no longer be a unique minority. Therefore, I urge all RVers to tell non-RVers how much they hate living in an RV and please don't start waving at each other or else you will give away our little secret!
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djpotts55
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07/05/09 09:40pm |
RV Lifestyle
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RE: finally washed and waxed
We do about an hour per day and it takes 3 or 4 days to do the whole coach right - hand wash, wax, and buff! Looks great when all finished and it makes you feel good that your investment is being protected from UV rays!
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djpotts55
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07/02/09 11:43pm |
RV Lifestyle
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RE: camping clubs
Good info on RV FAQ for PassPort America.
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djpotts55
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07/02/09 11:37pm |
Family Camping
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