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Date Posted |
Forum
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RE: 1st night camping in our yard, 2023.01.24
I have a 30 gal tank and like to get it almost full with the flushing spray in order to get a good wash out. I use the meter to tell me when I have 25 gals .why? You going to store drinking water in it next trip? It’s a black tank, it doesn’t need to be squeaky clean - and it’s a waste of water.
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nickthehunter
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03/30/23 02:30pm |
Beginning RVing
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RE: Engine braking on 2017 F150 5.0L
I removed my comment. Upon rereading it this morning I decided it really didn’t provide any help to the OP.
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nickthehunter
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03/28/23 05:08pm |
Tow Vehicles
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RE: Bathroom counter top mark removal cover up
The first thing someone helping you would need to know is - what is the countertop made of?
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nickthehunter
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03/28/23 02:16pm |
Fifth-Wheels
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RE: Rv loan rates!
I didn’t say “I had the cash on hand to pay it off”, I said “I had the money to pay it off”. As a matter of fact I even told you the money was invested and what it was invested in. And It’s still invested, and I’m still ahead by a wide margin. But like I also said, different strokes for different folks. You can be you and I can be me.
So when the market tanks and you need cash to pay the loan, you just locked in your losses.
Yeah, you can be you but just pointing out for others some of the risks of investing on margin.First of all, I’m not investing on margin. Margin is when you borrow money to invest it. I had the money to start with and wasn’t over buying my bank account or may abilities to pay the tab. I made that clear a number of pages ago.
Second, I have the ability of “locking in my losses” (as you call it) at a 70% gain over the last 8 years, I’ll take that “loss” any day of the week. Remember, I still have the money to pay off the loan, plus another 70%+ I get to keep.
Just like you, I’m just pointing out to others, that Just because you can pay cash, doesn’t mean you should.
Today may not be a good time to buy, let alone take on a loan to buy. A year from now, or more likely two years from now, things could be completely different; along with the risk. To each his own.
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nickthehunter
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03/27/23 02:53pm |
Truck Campers
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RE: Rv loan rates!
Operating on leverage works great until it doesn't...then it multiplies the losses. The ones talking about being savey, always gloss over this part and it would never happen to them...until it does.
The trick is to get ahead of the game. Once you have no loan payments, it's easy to save up for big ticket items.Even when the market goes down, I still have the money to pay it off; and still get to keep the difference on what I already made.
I have a 15 year RV loan at just over 4% that I've had for about 8 years. I'm way ahead of the game at this time. Today, I can pay it off any day I want, and still keep a pretty nice sum of money.
What it boils down to is: What works for you, doesn't necessarily work for everyone else. There is not only one right answer.
Ummm...if you have the cash on hand to just pay it off, you are foregoing the roi on that cash to protect you from being leveraged.I didn’t say “I had the cash on hand to pay it off”, I said “I had the money to pay it off”. As a matter of fact I even told you the money was invested and what it was invested in. And It’s still invested, and I’m still ahead by a wide margin. But like I also said, different strokes for different folks. You can be you and I can be me.
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nickthehunter
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03/27/23 07:10am |
Truck Campers
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RE: Vancouver, Seward, Anchorage and Fairbanks
Thank you, I’m getting some good info - don’t stop.
Just to note, we are flying to Vancouver and taking a cruise to Seward. After Seward begins our road trip portion.. We will however be spending a few days in Vancouver before boarding ship.
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nickthehunter
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03/23/23 02:04pm |
RVing in Canada and Alaska
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RE: Seven States to Ban the Sale of Gas Powered Cars in 2035
It takes me 5 minutes to fill my truck up with gas while towing. It takes you 20 minutes (at least) and maybe much more. I stop once a day, you stop every 3 hours. That's reality, Everythign else is Word Salad.
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nickthehunter
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03/23/23 06:23am |
Tow Vehicles
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Vancouver, Seward, Anchorage and Fairbanks
We are planning a bucket list vacation which will takes us to several areas in Canada and Alaska. We are planning on several days each in the above listed areas. We are looking for recommendations on (don't miss out on) things to see and do (indoor or outdoor) in those areas. As we are planning this adventure to occur in early to mid September, weather will be an issue so we would like to avoid activities in which enjoyment can be weather dependant. For instance, While we thouroughly enjoy hiking, a long hike in the rain and snow does not sound like much fun. However, a short jaunt to see a spectacular waterfall in light rain wouldn't deter us.
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nickthehunter
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03/22/23 08:06am |
RVing in Canada and Alaska
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RE: Are bicycles covered for roadside assistance?
You need to read the definitions section of your policy, under definition for “vehicle”, If it includes bicycle as a vehicle, it’s covered; if not, no joy. It does not matter what Ontario says is a vehicle, all that matters is what the policy says is a vehicle.
Also note, the policy will have extra pages attached that modify the policy. Check those for modifications to the “definitions”.
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nickthehunter
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03/21/23 05:16pm |
Good Sam Roadside Assistance
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RE: Seven States to Ban the Sale of Gas Powered Cars in 2035
...Polluting is not a "personal freedom."...That's an interesting argument. Name one living person anywhere in the world that is not polluting in one way or another; either directly or indirectly. It seems the biggest bitchers are the biggest hypocrites: i.e.: Al Gore, the guy that takes private jets that could seat 40 people to climate conferences solo.
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nickthehunter
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03/21/23 01:57pm |
Tow Vehicles
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RE: Seven States to Ban the Sale of Gas Powered Cars in 2035
…The last new coal fired power plant to start up in the US was in 2013. And no plans for any new coal power plants. And not likely to get permits if they wanted to.
US only has about 500 coal fired power plants and those are slowly being shut down.
That just goes to prove how big of a SUCKER the US is. While we phase out coal, the rest of the world uses more and more. Look in the mirror, see that word stamped on your forehead? And don’t forget to keep putting them same people back in power.
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nickthehunter
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03/17/23 01:00pm |
Tow Vehicles
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RE: Water pump/filter location
Mine is mounted to the floor, under a drawer; you have to completely remove the drawer to get to it.
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nickthehunter
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03/15/23 10:37am |
Class C Motorhomes
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RE: Honda 3000
That honda is rated 23.3A continous 25A max. If both ACs are 13.5 BTU and In a perfect world it would run both; in the real world it would be a toss up.
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nickthehunter
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03/15/23 10:18am |
Truck Campers
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RE: Insurance recommendations
Doesn’t sound like something that would have exceeded your deductible anyways.
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nickthehunter
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03/14/23 06:48pm |
Class A Motorhomes
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RE: Rv loan rates!
To answer the question, I can write off 100% of the interest on a second home. However, that doesn't put me over the top for exceeding the standard deduction. So financing to write off the interest gains does absolutely nothing for me. That overall is probably a bad strategy. At most, if you paid $1,000 in interest in a year, it would net save you $370 in taxes (37% or less depending on Taxable Income).
But keeping my money invested and using other peoples money while only paying them 4.49% in interest is a winner. The money I kept invested is right now worth almost 70% more over the last 8 years, and that is even after it went down over 36% last year.
Now to head off the naysayers, the money is invested in a Roth IRA, total market index fund (VTSMX). I've had the fund for about 20 years, nothing fancy, moderate to above average risk. If I was going to pay cash for the RV, this is the fund the money would have come out of.
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nickthehunter
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03/13/23 02:09pm |
Truck Campers
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RE: Rv loan rates!
Operating on leverage works great until it doesn't...then it multiplies the losses. The ones talking about being savey, always gloss over this part and it would never happen to them...until it does.
The trick is to get ahead of the game. Once you have no loan payments, it's easy to save up for big ticket items.Even when the market goes down, I still have the money to pay it off; and still get to keep the difference on what I already made.
I have a 15 year RV loan at just over 4% that I've had for about 8 years. I'm way ahead of the game at this time. Today, I can pay it off any day I want, and still keep a pretty nice sum of money.
What it boils down to is: What works for you, doesn't necessarily work for everyone else. There is not only one right answer.
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nickthehunter
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03/13/23 09:22am |
Truck Campers
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RE: Black tank clean out
Did you happen to have any freezing weather since you last used it?
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nickthehunter
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03/13/23 09:07am |
Class A Motorhomes
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RE: Northern Michigan RV trip
Seeing as this post is 5 years old, I think the OP has already figured out what he needs to do.
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nickthehunter
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03/11/23 08:41pm |
RV Parks, Campgrounds and Attractions
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RE: I Bought Too Much Truck
When I had my F250 I had the same problems as you, especially the parking deck thing. When I went truck shopping there wasn’t a lot of difference between the F250 price and the comparatively priced F150. However, the incentives for the F150 were far and away thousands better. I have a F150 max tow HDPP with a 10 spd transmission which is a very capable tow vehicle, and an excellent daily driver.
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nickthehunter
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03/11/23 03:07pm |
Tow Vehicles
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RE: Electric and ICE forever together?
dig out your calculator and lets use some actual data on EV sales. And EV sales are NOT 1% of the market, more like 5-7% and rising.
last year (2022) EV sales in the US were 850,000. Now let's assume 100% got a 7500 gov't credit. That comes to 6.3B, I'd say 20B on fossil fuel subsidies FAR exceeds 6.3B, not the other way around
While you got your calculator out, you might want to add in $7.5B for EV Charging and $7.0B for EV battery developmnt in the Inflation Reduction Act (Aug 16, 2022); and we ain't got to the Infrastructure and Investment Act (Nov 19, 2021) or the federal funded improvements to the electric grid (alot of which are necessitated in order to have EV charging).
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nickthehunter
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03/11/23 08:19am |
Tow Vehicles
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