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 > Your search for posts made by 'westernrvparkowner' found 462 matches.

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RE: Was rear ended on the highway

You might want to work into the conversation with the adjuster the fact you have GAP insurance and you are upside down. He may take mercy on you (and realize you come out net the same with a low retail settlement as you would with a high retail settlement). That could be a win/win for both you and the insurance company. For the GAP insurance provider, not so much. Be sure to do your research on the GAP insurance before you do anything. You don't want a problem to arise. Anybody out there think this is a bad idea??
westernrvparkowner 07/21/19 03:45pm General RVing Issues
RE: Was rear ended on the highway

I took my Tahoe in recently for an estimate. The Manager/Estimator point blank said "I don't work for you I work for the Insurance Company"I trust you crossed that shop off your list and reported the shop to the state insurance commission and the consumer affairs department of the state Attorney General's office. That is 100% wrong both ethically and legally.
westernrvparkowner 07/21/19 09:28am General RVing Issues
RE: Was rear ended on the highway

Sounds like things are going along just fine. First, if the estimate is only $1000 on the truck, there is basically nothing wrong with it. The shop has a vested interest in finding as much wrong as possible. They are more beholden to their bottom line than they are to any insurance company. $1000 parts and labor doesn't go much further than replacing a license plate bracket. I broke a power side mirror on my truck a few years back and that was a $650.00 repair. Your truck will be fine and any reputable shop is going to warranty their repairs for a period of time. What is the damage to the trailer? If you were actually going 60 MPH and were hit by someone going 85 there really shouldn't be much left that is recognizable as a trailer. If there is significant body damage the repairs are going to exceed the value of the trailer very quickly. You don't want the trailer repaired if there is major damage. Argue that not only is there the very real possibility of hidden damage, you are suffering loss of usage every day. Push for having it declared a total loss. Since you have gap insurance (a good thing) you are going to actually come out ahead if it is totaled. You really won't be concerned about the value they give you since you will actually be collecting the total amount of the loan value (loan will be completely paid off by the gap insurance and you don't care if the gap is $2000 or $10000). Since you appear to have been upside down on the loan before the accident, you actually are making money if they total the trailer (you lost a $17000 trailer and are getting a $22000 loan paid off, that is a good transaction financially). Contact the gap insurance carrier and they will walk you thru the process once the insurance company has agreed to declare the trailer a total loss. Once the loan is paid in full you can go shopping for whatever you want to replace it.
westernrvparkowner 07/21/19 09:24am General RVing Issues
RE: Tariffs trip up the all-American RV industry

Gdetrailer said "In reality those "Millionaires" HAD to have SOMETHING to "borrow against" called COLLATERAL in order to get LOW INTEREST LOANS OR LINES OF CREDIT." Sorry not always true.. I know of several and one in particular (I will not name) Who lied and have "inflated" their holdings on paper so as to obtain loans when in fact they were already over extended. So not. if you are good at creative bookeeping you may well get the loan anyway. On the other hand I know of one who did NOT get the loan... Well things happened (He almost got in a fight) and well. got distracted from the fight and got busy A fairly short time later he returned to the bank and looked up the loan officer who had turned him down. MAn: Do you remember me Bank employee; NO should I M: you turned me down for a loan on Date B: I'm not in loans any more M: I know. in fact you are not in banking any more you are fired B: you can't do that only the new owner can do that. M: Yes. I know.. Want to see the sales agreement or the Title to the bank. I just bought it And yes he made millions and his company is still in business today I promised no names.Really, you have high regard for someone who holds a grudge against some nameless bank employee who turned them down for a loan? Did you just make this story up, or is it some urban legend you are mindlessly repeating? It is almost a certainty that the loan was turned down due to the fact the prospective borrower did not meet one or more of the criteria the bank used to evaluate loans. Then the guy supposedly gets in the banking business and seeks out and fires someone who was just following the rules his employer laid out. This story is 110% hogwash.
westernrvparkowner 07/20/19 05:47pm General RVing Issues
RE: Tariffs trip up the all-American RV industry

Is this what ya do when you get old? Sit around and argue about economics, politics and the weather (and axle ratings, lol)? YUP Shop local only and you need a 1 ton to tow a pop up! And always pay cash. If you need credit you can't afford it! i agree that avoiding debt is a step along the path to wealth and financial independence but not carrying CC debt and not using CCs are two different things.Every millionaire i know borrowed money and used that money to leverage deals to make big time money. Fact is, I have plenty of borrowed money at 4% while my invested money is making 13% right now. Boy that sure sounds like the recipe for disaster! That's one of those thongs that works so good till it doesn't LOL it sure does. i suspect that the vast majority of millionaires (folks with a net worth of $1m or more) did not use borrowed money to increase wealth. TroubledWaters is ignoring or discounting risk...risk of losing an income stream and not being able to address debt. i know, can't happen/won't happen. i've been fired twice from jobs i thought were secure. being debt free made those situations much less stressful and manageable. in both cases i was able to secure better jobs at higher salaries. I have nothing to add except I like to see how many responses that have many multiple quotes-in quotes within quotes we can get. But I am enjoying the topic of this thread. Agreed!!Tariff thread to Dave Ramsey debate. Got to love the internet. Quote ON!
westernrvparkowner 07/20/19 12:41pm General RVing Issues
RE: Tariffs trip up the all-American RV industry

All this discussion reminds me of a business transaction that occurred when three men took a short fishing trip to the coast. They arrived at a small motel late in the day when the manager had stepped out of the office to carry the days receipts to the local bank and left one of the staff to attend the phone until he returned. During his absence the three men arrived and asked to rent a single room for the night, willing to bunk down on the couch and floor if needed. The attendant not being knowledgeable of the cost of rooms told the men that the manager was out but there was a room in back they could have for $30.00 for the night. Each man gave the attendant a 10 dollar bill and went to the room to get an early sleep to rise early in the morning for their fishing adventure. The manager returns and the attendant gave him the $30.00 and explained that 3 men were in the back room. The manager tells the attendant that he had over charged the men. The back room only rented for $25.00. So he gate him 5 dollar bills and told him to go explain that he had overcharged them and return the 5 dollars to them. On his way to their room he reasoned within himself saying, "How am I going to split the five dollars equally among 3 men?" He decided since they were happy paying $10.00 each they each would be happy to get 1 dollar in return. So he pocketed $2.00 and knocked at their door and explained how he had overcharged them for their room and gave each a 1 dollar bill. They were happy and thanked him for his honesty. That would be the end of the story EXCEPT for the fact that originally the men had each paid $10.00 totaling $30.00 for their room and now the men each paid $9.00 for the room which totaled $27.00 and the $2.00 the attendant kept brought the total to $29.00 for the room. Originally they paid $30.00 Now they paid $27.00 The attendant has $2.00 27.00 +2.00 ______ $29.00 Where is the missing dollar?Now they have paid $27.00 Hotel keeps $25. Clerk gets $2 The $30 is no longer an issue.
westernrvparkowner 07/20/19 12:39pm General RVing Issues
RE: Renting out your RV nightmares.

I believe the shop doesn't want to repair the tank because there is absolutely no upside for them. If they repair it and the repairs fail down the road, they are going to be blamed. Best option may be to have the shop remove the tank, the customer take it and get it repaired by someone other than the shop and have the shop reinstall it. They would probably have to sign a disclosure that relieved the shop of any liability. Realistically, a plastic tank that is not pressurized should be a fairly easy repair, especially if aesthetics are not a consideration. However, if it was shattered and major sections are missing, forget everything I just wrote.
westernrvparkowner 07/20/19 09:19am General RVing Issues
RE: private land camping questions, cell booster suggestions

As to whether or not the neighbors have a right to be upset: I can definitely understand their side of it. I wouldn't want my neighbors bringing a bad element into where I live. However, given how rural the area is, as long as the land owners only rent to decent, respectful campers that don't cause trouble...I don't think it will ever be a problem, and neighbors will probably calm down and be OK with it. If you can come up with an algorithm, a questionaire, or a mind trick that can sort the decent, respectful campers that don't cause trouble from the indecent, disprespectful, troublemakers you could make a fortune. Your market would be much larger than RV parks. Every hotel, motel, restaurant, apartment complex and landlord in the country would beat a path to your door for that service.
westernrvparkowner 07/19/19 09:40am General RVing Issues
RE: Tariffs trip up the all-American RV industry

As a free market libertarian, this bothers me a lot... but working for an international firm and doing business all over the globe bothers me that other countries are permitted to apply tariff's to our product and we have to just sit back and take it. Another problem here, If you think a US mfg is suddenly going to sell their product for less money, you've been smoking too much of something. They will raise their price to match the importers price. WRT the business owner forced to raise his prices... gotta love free market and options. I watched a local hardware business known for charging 50% more than the big box stores. He Lowered his prices some when home depot opened up 7ish miles away. Now that Menards is opened up 2 miles away, he's only a short period away from closing his doors... but he sure made a lot of money before they showed up.Your hardware guy wouldn't have kept Home Depot and Menards at bay even if he had undercut their prices to begin with. The big box retailers have huge pricing advantages due to their size. Their logistics alone give them a competitive advantage. I seriously doubt that local hardware guy made huge profits before the Box Stores set up shop nearby. There has been consolidation in that industry for as long as I can remember. 40 years ago the small town I lived in had three lumber yards and a Coast to Coast hardware store. Coast to Coast went out first, driven out by a new Ben Franklin five and dime and a Gibson's warehouse. They both only lasted a few years because people could get better selections and lower prices driving to the major metro area 40 miles down the road. The lumber yards put each other out of business over the next 10 years or so and the town was circling the drain. Then Walmart came in and up popped the fast food chains, the specialty shops offering what Walmart didn't, and economic recovery. People no longer felt the need to drive 40 miles to the major city. Furthermore, with a Walmart, the town was figuratively on the map, so several small to midsize manufacturing businesses took advantage of the lower costs of real estate and labor compared to the large metro area and set up shop in the town. The local population was never going to support the local Five and Dime, Radio Shack, and greasy spoons to the extent they would thrive. And businesses were never going to locate themselves in an area that didn't have the services of a big box retailer. It took Walmart to save the town and make it a viable community.
westernrvparkowner 07/19/19 08:42am General RVing Issues
RE: Tariffs trip up the all-American RV industry

The fact of the matter is, if you are satisfied with the cost of the product your buying, buy it; if not, don't buy it. My 325gal home propane tank started to leak last week. All the suppliers had in stock for a replacement were 500 and 1000gals. I needed a new tank right then. All three companies I called said 8 months ago the price of a 500 gal US made tanks jumped from $1400 to $2000 overnight. I didn't have a choice, I had to buy it. The tariff cost ME $600.Or, the retailer changed suppliers. Or the wholesaler changed suppliers. Or the manufacturer had a new labor contract go into effect this year and had to increase prices to cover the additional labor costs. Or maybe propane tanks are in short supply because there is a push for people to convert their homes from Fuel oil to propane because it is cleaner and cheaper, proving Adam Smith's theory of supply and demand once again. A 500 gallon propane tank weights around 1000 pounds. Steel is currently priced around $570 per ton. So the steel in a tank is about $285. A 25% tariff would add only about $75 to prices. The other $525.00 is likely spread over an increase in the costs of transportation, manufacturing costs, and yes the profits of the manufacturer, wholesaler, retailer and everyone else who touches a tank from manufacturing to final delivery.
westernrvparkowner 07/19/19 08:22am General RVing Issues
RE: Help try to find an Old GSC member!

I sure hope that for privacy reasons Good Sam would not reveal any personal contact information. There are legitimate ways for the OP to obtain a title for his restored vehicle and those methods do not involve contacting previous owners. I would be appalled if someone contacted me about a vehicle I had previously owned. And I for sure wouldn't help a stranger try and get a title. For all I know the vehicle was stolen and the caller is trying to commit a fraud.
westernrvparkowner 07/19/19 07:52am Good Sam Club
RE: Tariffs trip up the all-American RV industry

Hi, Did the item cost me $10? No. It cost me $12.50. If I operated as you suggest and did not mark up from my cost price I'd soon be out of business. Plus there may well be extra office work so in the real world I might have to mark up the item even more. Now if I were selling costume jewelry, the mark up would be 10 X the cost price. So if an item cost $1, it would be sold for $10.00. So as a small business owner you are not only passing along your increased costs, you are profiting 100% from the increased costs. Your price should be $20.00 + $2.50 = $22.50. What is the other $2.50 for? Pure greed.Back when dinosaurs roamed the earth and I graduated from college, getting a job that paid $20,000 a year was a dream position. Today, the drive thru cashier at Micky D's makes more than that. Merchants make their income from the profits on their sales. Their expenses will increase over time. The buying power of their income will decrease over time due to inflation. If they don't periodically increase their profits they will end up like those dinosaurs ... extinct.
westernrvparkowner 07/18/19 04:03pm General RVing Issues
RE: Tariffs trip up the all-American RV industry

I saw the same story this morning and I thought about starting a thread like this one. I'm actually hoping for a big recession soon. Sorry about that. It would probably help me since I am retired and planning to buy an RV next year. I'm not working so losing my job is not a worry and RV prices would probably be cut - simple economics. Too much supply, not enough demand. It would also probably reduce the number of RV park visitors and drop those prices. Which brings me to: I'm a small business man. If I buy an item to resale and it costs me $10 then I sell it for $20. So if there is a 25% tariff it would cost me $12.50 and I'd sell it for $25.00. That represents quite a large jump in price to my client. Mr Small Business Man, as a former CPA I have a question. Why would your price go to $25.00 instead of $22.50? At $25.00 your profit jumps 25%. That's a jump that would make a hospital CEO blush. At $22.50 you cover your increased cost and you get the same $10 profit. If I'm your competitor that's what I would do and most customers would come to me. Edit: I see that Schlep beat me to this observation by 3 minutes. Good work Schlep. Steve As a retired CPA, why don’t you see profit as a percent instead of a number? $10 item sold for $20 is 100%. $12.50 item sold for $25 is 100%. Exposure and risk increased, so the profit should follow suit. The margin didn’t increase. By your logic, a $10 profit is equitable on a $10 good the same as a $20 good or a $2000 good. Again...profit is a MARGIN of cost, not a fixed number. WTP Profit is not "MARGIN of cost". Profit is revenue minus expenses. I promise you. Part of getting my bachelors degree in Accounting required 2 semesters of Economics. If he has a monopoly he can charge what he wants, but in the real world he probably has competitors and if they could make a good profit with a $10 markup before, they can make a good profit with a $10 markup after, and they will undercut his $12.50 markup. SteveUnless they are strictly on a cash basis, in the example being hashed about, they would need to increase the price more than the $2.50 the wholesale price increased. The reasons would be the cost to carry the inventory will increase resulting in either increased interest costs or increased opportunity costs (if they pay cash for inventory, they lose the ability to invest that money). Also, in today's world, 90% of all transactions are card based. Card transactions are subject to fees that are a percentage of the amount of the transaction. Now the total of all those costs probably only amount to $.10 or so on an additional $2.50, but dimes add up when you are selling in quantity. Bottom line, to maintain exactly the same amount of profit, if the wholesale price rises, the retail price must rise slightly more than that wholesale increase.
westernrvparkowner 07/18/19 12:31pm General RVing Issues
RE: Was rear ended on the highway

"Be prepared to pay that "meanest junkyard dog lawyer" 40 percent of your money." What happened to 1/3 plus expenses? I suppose it could end up being 40% but what I stated is Industry standard. Personally I would represent my self for anything beyond basic replacement that your Insurance company should handle. Around here 1/3 and 40% if case goes to court & you win a judgement. You go after the moron who was speeding ( unless the accident was on Tx Hwy 130, 85 limit) for every dime he has or ever will have. My son the attorney likes to remind folks that anyone representing thier self in court has a fool for a client :S He is strictly a counselor for a major corp advising on policy's/procedures that keep them out of legal problems.On what basis would you expect to win "every dime he has or ever will have?" Insurance is eventually going to cover the RV and the tow vehicle. Any injuries are going to also be covered by insurance. There apparently are not massive injuries, so any recovery for "pain and suffering" will be limited. Generally the standard is two or three times the amount of medical expenses unless there are permanent disabling injuries. Every auto accident is not necessarily a winning lottery ticket. The only thing bringing in a lawyer at this point will accomplish will be to take a couple of month's settlement time that the insurance company will take and turn it into a couple of years. Most people would rather just get on with their lives than wait on the legal system to grind out a settlement that is basically the same as they could collect today.
westernrvparkowner 07/17/19 06:18pm General RVing Issues
RE: Water Spigot / Thread Issues On Sites

Spigots where the threads are intentionally missing are that way for a reason. At a dump station, it is likely code that there must be a non-potable water source if water is provided at the dump site. This is to be used to wash down spills and the like. It can very well actually be potable water, but it must be clearly marked non-potable and designed so someone cannot use it to fill water tanks. Another likely reason is the spigot is connected to a low yielding well that has a very limited amount of water in the well casing. Running the spigot for an extended period of time will run out all the water and potentially damage the pump either by running it without water running thru it causing it to overheat or by it sucking debris from the bottom of the well, damaging the impellers and clogging the intake. If the threads are just mangled by some jack arse with a pipewrench, contact the office. They have no way of knowing until someone complains. Inspecting the threads on faucets isn't part of the routine at any park I know.
westernrvparkowner 07/17/19 03:05pm Travel Trailers
RE: private land camping questions, cell booster suggestions

OK, let me clarify a few things I should have from the get-go: We are not talking about someone 'running an RV park' on their private farm land. There are 3 campsites, one of which is occupied permanently by one of the landowners (living full time in their RV). Sooo, a total of just 2 campsites being rented, the other one already being occupied by one of the landowners. And from what I can gather, the 2 rental sites are only occupied very sporadically, they do not stay occupied all the time. Yes, they do charge a small nightly fee to stay there. Since they are providing 50 amp electricity, sewer, and water, I'd say that is only fair. They're just a really nice older, retired couple that are trying to supplement their retirement income a little. As to the comments/questions about why I am working remotely and need to do so 450 miles from home: Sorry, that is a long, somewhat personal story I'd rather not get into on a public forum. Its not really relevant to this discussion, anyway, and would just make the thread go sideways even more. Anyway, thanks for the suggestions about various cell phone booster ideas. I see that Best Buy has the Weboost units, I may go have a look at them.Depending up the zoning, state and local laws and the like, they may or may not be in violation. Just because they are older and want to supplement their income doesn't exempt them from the laws that determine whether or not it is legal. One of the duties of government is to protect the public. If they are operating a business that requires licensing and inspections and they do not have those items they may be putting the public at risk. Improper waste water disposal can contaminate not only their property but the neighboring properties. It can contaminate the site itself and pass diseases onto the next occupant. Public water systems (and that is what any water system that serves the general public is) must be tested periodically to insure that there are no harmful contaminates. When and if a complaint is filed about a business operating outside of the law it is the duty of the authorities to investigate and, if necessary, close the offending business. In your first post you implied that all is not good in the neighborhood. That this park, or if you prefer, two rental sites on someone's land, has caused problems for the nearby neighbors will likely lead to future actions by the local authorities. Maybe they will inform the neighbors there is nothing they can do because three RV sites are legal or maybe they will shut them down. Without knowing all the state and local zoning and land use laws and how the sites are actually constructed and serviced all we can do is speculate.
westernrvparkowner 07/16/19 03:26pm General RVing Issues
RE: private land camping questions, cell booster suggestions

Seems to me, all the land owner would have to do is not charge for RV parking. Of course, donations are encouraged, say $25 or $30, to "help defray expenses". Sorta like the RV dump station at the City Park in Cut Bank, MT. Dumping is no charge, but the last time I used it a $3 donation was encouraged (I dropped $5 in the "Donation Box"). I do not believe any state agency can prevent a land owner from providing a free service.The government absolutely does prohibit landowners from providing a multitude of "services" regardless of whether or not people pay. Try letting your neighbor tap into the water from a river that runs across your property for irrigation. Without water rights that would be illegal. Can't allow the public to dump their holding tanks on your fields for free, that would be in violation of sanitation laws. You can't let hunters hunt on your property unless the game is in season. Calling it "donations" and not site fees is the same as calling a pig a chicken. The meat is still pork. As I pointed out earlier, a RV park, regardless of the fees they charge, fall under many regulations and inspections. There are health and safety concerns, concerns for neighbors, concerns for the environment and concerns for those who would use the facilities. It sure isn't a money grab by the state since there is no way the licensing and inspection fees I pay yearly cover the cost of the employees doing the inspections and issuing the licenses. Can and do people put in a few RV sites and fall under the radar, absolutely. But in this case it is apparent that something happened and the landowners are now on the radar screen and it is very likely their mom and pop pseudo RV park is going to be closed down.
westernrvparkowner 07/16/19 01:24pm General RVing Issues
RE: Seasonal Site

Is anyone using their Class A Motorhome on a seasonsl site, instead of a travel trailer?There are many ownership parks that are Class A only. Go to any of the old Outdoor Resorts parks in Florida, California, Michigan, Nevada etc. and you will see multiple million dollar rigs on their sites for the season.
westernrvparkowner 07/16/19 09:32am General RVing Issues
RE: private land camping questions, cell booster suggestions

Yes, it is probably illegal. Yes, it is likely the neighbors will get it shut down. They are running a RV park, which has many licensing requirements. In Montana, for example, there are fire codes, plumbing codes, electrical codes sanitation codes and water testing that parks must meet and are periodically inspected for. To build a park, you must apply, pay for, and get approved "subdivision for rent" for each site. Part of that process are environmental studies, impact studies and public hearings. The land must be properly zoned and taxed for business use. Making rural land an RV park will likely mean tax exemptions for agriculture, forestry, undeveloped rural land and the like will no longer apply to the property and the owners would have to pay higher taxes, just like every other business. And that is the requirements in one of the most rural states in the US. Can you really blame the neighbors? They likely bought rural property for privacy and peace and quiet. A RV park next door isn't what they bargained for. The density of a park means much more traffic, much more noise, an increase in trash and generally they are an eyesore compared to forested land and farmers fields. The problems are further compounded by the fact the owners apparently don't actively manage the park and some bad tenants impacted those neighbors negatively. As for increasing your cell service, yes there are products that will improve marginal cell service. Wilson is a popular brand, their website is wilsonamplifiers.com. Be aware that no matter what you use, you aren't going to have as good a connection you would have in an area with solid cellular service to begin with.
westernrvparkowner 07/16/19 08:32am General RVing Issues
RE: camp ground cable into

OK my mistake id did have one its a smart TV and looked around for some reason it was smashed up and broke off now what any answersYou can probably buy a new TV for what it will cost you to get the components to convert coax cable to HDMI. The biggest problem might be finding a set small enough to fit your space. A couple of hundred bucks will buy you a 40 incher today. It's upgrade time!!
westernrvparkowner 07/16/19 08:03am Technology Corner
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