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 > Your search for posts made by '4x4ord' found 366 matches.

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  Subject Author Date Posted Forum
RE: Big car, big cigar and no gas.

Hey 4x4. I have followed your posts for some time on retirement. It is a process I have been thinking about for the last 4 or 5 years. Although I am only semi retired, I have come to some conclusions. We are 59 and 61 now. These apply ONLY to me. I make no judgement on what others do or think. But for us only, I think this. The medium income in the US is about 55k, you would be at three times that. I like my job. It gives me a feeling of self worth. You can only play so much golf, walk the dog so much before you get bored. So the question becomes what am I going to do after lunch?. All the media talks about as far as retirement, is money. All well and good but I think money is only part of the answer. Friends, family, something to do, contributing to society. These are, as or more important from what I can see. We have chosen a little different path. We are going to work part time into our 70's at least. In the mean time we are going forth and doing, while we still can. I believe it can be a huge mistake to wait to long. The book " get a life you don't need a Million to retire well" Has been of benefit to us. Again these are only our thoughts, others will se it different. I only post this, because I have followed your posts and know you are having the same sort of mental struggles we did and continue to have. I like the idea of moving toward retiring and I hope to start taking extended vacations in a couple years. Like you point out, I realize that money is only one aspect of a successful retirement. More is only better to a point, after which other things should become the focus...things like family, friends, health and contributing to society. I have a tendency to let my calculator have too much authority in my life.
4x4ord 09/15/14 08:02am Class A Motorhomes
RE: DEF in the winter

That DEF flat sucks...too high a freeze point so I guess the guys that live in ND are as they say SOL... I live in ND. Have a '14 Dodge with DEF. NO PROBLEMS at all. You do understand from reading the material posted that heaters are installed? My 2011 has DEF and it just so happens that now that the warranty is up my check engine light came on indicating my first problem with the truck. The code indicates that the DEF tank heater is caput. I need to replace the entire DEF tank....I think they told me $500 for the part plus labor if I have the dealer install it. I might ignore it just to see what happens once the freezing temperatures hit.
4x4ord 09/15/14 06:17am Class A Motorhomes
RE: Big car, big cigar and no gas.

Does anyone take the OP's query serious???? If someone is talented enough to retire with a yearly income of $150 grand is certainly smart enough to know how to budget that amount. Hershey, it all has to be put into perspective. If he has managed a $150 grand a year but needs $250,000, well, it's not so good. Everything is relative. $50,000 a year may be enough for one person a $1M might not be enough for another. MM. Part of the struggle is this: If 150k is attainable retiring at 51 is it worth putting retirement off till age 60 in order to have $250 or 300k per year to retire on? When is enough enough? Answering that question would be easier if we knew how many years of good health we have left as well as being able to picture what a $150k per year retirement lifestyle looks like.
4x4ord 09/14/14 11:15pm Class A Motorhomes
RE: Big car, big cigar and no gas.

As I think about retiring I recognize that my cost of living will likely go way up. I have always lived a very modest lifestyle but after retiring instead of spending my time earning money I will be spending my time spending money. I like the idea of rving after retiring but have no good idea as to how much I might spend per year. I realize the range is huge and imagine there are some who have determined to get by on 20 or 30k per year above what their SS cheque is. What is the upper end of the scale. If I could afford $150,000 per year indefinitely after paying cash for a $500,000 bus would I be able to enjoy the thing without having to worry much about the price of fuel? As they say, it all depends. Do you own a Stick and Brick? Property taxes, yard maintenance, utility bills (water/gas/electric), house maintenance/repairs, etc. A new roof could be 20K depending on your house, air units need to be replaced. So, as you can see there are always something to spend money on. $150,000 could be tight if you own more than one home. If you are going to full-time in your new BUS, you can make it easy on your proposed budget. We just don't know your other obligations (not asking, just saying). Safe travels, MM. I think in reality I wouldn't buy the big motor home but rather a nice 5th wheel. We definitely would want to keep our house and start out traveling south for only the winter months. I could see wanting to budget for a short fly away vacation each year as well. The point of this is that I recognize my highest earning years are ahead of me but I also realize that it might not make sense to work until I drop dead. I have to find the balance of settling for less in order to retire earlier. I am thinking another 4 to 9 years but I am afraid in reality I might be thinking just a little bit longer; just a little bit more and unless I change I might still be saying that at 70.
4x4ord 09/14/14 09:15am Class A Motorhomes
RE: Big car, big cigar and no gas.

I don't classify spending 500K for a rig and having 150K a year income modest. That would allow us to fulltime in luxury. Well maybe adding in a towed would drop us down 1200 a year in available cash. You have most folks dream budget. That's what I am trying to imagine.....a dream budget. I doubt very much that I could ever bring myself to spend 500k on a coach but what does that lifestyle cost. Maybe those with the 500k coach also have a million dollar yacht paid for and spend 700k a year on living. I have no desire to live on a 700k a year budget but because I am not in a hurry to retire I am trying to imagine at what point does continuing working and saving more for the future become futile. For someone wanting the rv lifestyle I am thinking 150k per year might be about as exstavegant as it gets but I really don't know.
4x4ord 09/14/14 08:54am Class A Motorhomes
Big car, big cigar and no gas.

As I think about retiring I recognize that my cost of living will likely go way up. I have always lived a very modest lifestyle but after retiring instead of spending my time earning money I will be spending my time spending money. I like the idea of rving after retiring but have no good idea as to how much I might spend per year. I realize the range is huge and imagine there are some who have determined to get by on 20 or 30k per year above what their SS cheque is. What is the upper end of the scale. If I could afford $150,000 per year indefinitely after paying cash for a $500,000 bus would I be able to enjoy the thing without having to worry much about the price of fuel?
4x4ord 09/14/14 03:59am Class A Motorhomes
RE: new or used?

It takes time to get the perfect used RV at the perfect price. I ended up finding the perfect trailer at a farm auction. It had been stored inside, used very little and exactly what we were looking for, but the other guy wanted it more than we did. So I'll keep watching and sell mine after I replace it.
4x4ord 09/13/14 09:00am Fifth-Wheels
RE: GPS units - Garmin or ?

Magellan offer terrible customer support. I bought one years ago, online, that didn't work as it should have and fought with Magellan for a year trying to get them to either fix it or refund me my money...I got nowhere.
4x4ord 09/13/14 05:37am Around the Campfire
RE: advice on price

From what people are saying in another thread you should get 35% off list; so on a cash no trade deal you would pay about $32500 for that unit. So they are really allowing you about $5500 for your old trailer. I would keep the old one until I had it paid off and I could afford to pay cash for a new one or at least put enough down that I could pay it off at a rate faster than it is depreciating.
4x4ord 09/12/14 07:06pm Fifth-Wheels
RE: Q about price! New 5th wheel owner!

It really depends on the dealer. Getting 35-45% off on brand-new is rare. That's more likely for one that is last year's or older models. Even then, the dealer has to make a profit. We traded a barely used 10 mo old 40' Open Road and the dealer resold it for what they gave us in trade - $35k. That was about 63% off the original MSRP. To me, the interest rate is more important. You can save thousands there. I have never bought a new fifth wheel but have often wondered how much the mark up typically is. I would have guessed that the msrp is close to double what the dealer pays for the trailer. Anyway the list price of your OpenRange was 94,600? What did you pay for it? What was the list price on the Mobile Suite and how much did you end up paying for it?
4x4ord 09/12/14 06:48pm Fifth-Wheels
RE: Thoughts on Goodyear Wrangler Adventure A/T tires

I've got 15,000 miles on a set and would say the tread is about half gone. I haven't had a chance to try them on snow or ice yet. I put them on this spring and it could be that by the time the roads get slippery the tires will be worn out.
4x4ord 09/10/14 09:31pm Tow Vehicles
RE: new or used?

My first decision would be - How much can I afford to spend? Then from that decided what quality, how it will be used (FT, month stays or just weekend) and where will we travel? From those questions you should then have a good idea of what you want- a new mid quality unit, a high quality used unit or a lower quality unit to be used infrequently. In our case we had around 100K and were going full time. We went with a new high end unit in a 5'er rather than a used mid quality Class A. Answering the question what can I afford is a tough one for me but I wouldn't feel good about having more than 45k invested in a 5th wheel for the amount we will use it over the next couple of years (20 days a year of weekend and short camping trips). After 2 or so years we expect to use it a fair bit more (maybe 80 days/year and try some longer term RVing) and from there if we decide we like the RV life we might buy something suitable for what our plans become at that time. I think a newer Citation might be what we are looking for.
4x4ord 09/08/14 11:45am Fifth-Wheels
new or used?

Right or wrong I have pretty much decided on replacing my 2003 Citation Supreme 5th wheel rather than spending money on repairing it. I will try to keep within a $45k budget and I am leaning toward buying something about 5 years old. My reasons for leaning toward used are: I love getting a deal and think an exceptional deal is hard to find on new. I appreciate quality and workmanship over shiney and new. I think there is better value in buying quality used vs spending a comparable amount on new. What are the reasons for buying new?
4x4ord 09/07/14 06:04pm Fifth-Wheels
new or used?

Right or wrong I have pretty much decided on replacing my 2003 Citation Supreme 5th wheel rather than spend money on repairing what I have. I have decided not to spend over $45k and am leaning toward buying something about 5 years old. My reasons for leaning toward used are: I love getting a deal and think an exceptional deal is hard to find on new. I appreciate quality and workmanship more than shiney and new. I think there is better value in buying quality used over spending a comparable amount on new. What is your preference and why?
4x4ord 09/07/14 04:46pm Fifth-Wheels
RE: Finding a best deal formula for trade and buying

Years ago I tried buying a very nice used 5th wheel off a fellow who knew he had a well kept trailer. He was asking $17000. I offered him $14,000 but there was no way he was going to come down that much as the dealer was going to give him 16000 trade in value. So we parted company and he traded his trailer in. I bought it from the dealer for $13000 which was only $500 under their asking price of $13,500. You never know how much a dealer will move or what they are up to.
4x4ord 09/06/14 09:12pm Beginning RVing
RE: Will be trading to a 5th Wheel. Which TV. (F350 or Ram 3500)

I can't speak to the Ram but I own a 2011 F350 6.7 diesel that tows my 14400 lb 5er. I have logged over 35K miles TOWING with no issues whatsoever. The engine has plenty of power and I run 3.73 gears. Great mileage(11.8) average towing. I have a crew cab with a short bed. Needless to say, I am very happy with my F350 single wheel ( not dually). Good luck. Unless you had aftermarket gears installed you won't have 3.73 gears in a srw Ford. If you have 20 inch tires you will have 3.55 gears. 18" tires will be either 3.55 or 3.31 gears.
4x4ord 09/05/14 05:08am Fifth-Wheels
RE: Will be trading to a 5th Wheel. Which TV. (F350 or Ram 3500)

You will be happy with either one. How can you not be happy with a brand new truck? Ford has a new diesel (old diesel tweaked for more power) for 2015. The Ram still has a little more torque. Now IF you could buy a Ford truck with a Cummins diesel, the answer would be a slam dunk - Go Ford. Unfortunately they don't come that way I think there was a time when your statement was very true but the new Rams are very nice trucks and with the Aisin transmission they are equal to a Ford. On the other hand, the Cummins is an incredible engine but I would not trade my Ford 6.7 for a Cummins. Not that there is a big difference but I have a slight preference for the quieter Ford engine. Bottom line is that Ford, Ram and GM are all making incredible heavy duty trucks now.
4x4ord 09/05/14 04:59am Fifth-Wheels
RE: B&W Nailed it for the RAM

The Ram tow package is $400 msrp. That includes the goose neck and the 7 pin plug inside the bed. That is what was on the window sticker of the Longhorn I brought home Tuesday. So to get the best B&W towing capacity it will in reality cost $231. So in my opinion it's worth having the factory prep kit. 231 less whatever the in bed 7way plug costs and buying the towing prep package saves having to install the Turnoverball hitch yourself. Even so, in my case, I think I might opt for the Turnoverball hitch.....1 hole in the bed instead of 5 and I can install the 7 way plug where I want it. Does the prep package allow for storing the gooseneck ball in the hole when not in use? Does it include the gooseneck ball?
4x4ord 09/05/14 04:23am Fifth-Wheels
RE: B&W Nailed it for the RAM

How much does the Ram Towing Prep Package cost. I think it is hard to beat the TurnoverBall / Companion system so I doubt if I would pay anything extra for the puck system.
4x4ord 09/04/14 09:03am Fifth-Wheels
RE: Backing up a 5'ver.

OP here again, Let me ask you guys another question. With my Class A I could back it up into a spot on the first attempt. With a trailer I can back it into just about anyplace without making a show of it. Now with this new to me 5'ver it seems like I make a half dozen (or more) attempts at getting into a spot. Plus this is not a tight spot either that I'm backing into. If I had my A I could whip it in there, drop the levelers, hook up, and be having a cocktail in under 5 minutes. So the follow-up question I have is how many attempts (normally) do you have to do backing these 5'vers into a spot. Should I just assume it's going to take longer? Practice makes perfect. You can get to the point that you typically back your fifth wheel into a camping spot on the first attempt.
4x4ord 09/03/14 04:57am Fifth-Wheels
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