Money Stuff - RV-Dreams Community Forum

DorisandDave · DorisandDave

For those of you military retirees, under age 62, do you fulltime with Tricare Prime or Tricare Standard? We are on Prime now and as I understand it if we go ahead and change our address to South Dakota, then we will have to change our provider area. I was just wondering how it all works for those that have...

suse1023 · suse1023

i admit, we're extremely old school when it comes to payimg bills. we still send a check in the mail every month for every bill, and last month was the first month of direct deposit for social security. as we embark on our new life we're thinking of ways to make bill paying the easiest. one idea i have is to u...

jt · jt

IS THERE ANYONE OUT THERE FULLTIMING FOR UNDER $1200.00 A MONTH. IF YOU ARE I WOULD LIKE TO HERE FROM YOU. WE ARE GOING FULL TIMING SOON. EVERY THING WE HAVE IS PAYED OFF AND WE HAVE NO CREDIT CARD PAYMENTS. JT

Camper Chronicles · Camper Chronicles

What a great feeling. All the revolving lines of credit paid off just one truck loan and one fifth wheel loan to be paid off from proceeds of the house sale and everything else we save between now and the end of the year!!!

The Junkman · The Junkman

Ok.. back on the insurance thing..Started in other thread.. How does a insurance company KNOW you are fulltiming if you don't tell them? As Example .. I have a fulltime , real address in FL. It is my residence. If I utilize my camper alot, am I full timer by default? How much the the rv need to used to be...

Gpndavid · Gpndavid

We are weighing the costs/benefits of paying cash or taking out a loan for a used motorhome. Normally, I like paying cash, but some of our assumptions and considerations indicate it may not be the best move. I appreciate your inputs on my assumptions and calculations listed below:Assumptions- ...

bjoyce · bjoyce

https://www.youtube.com/watch?feature=player_embedded&v=sKRY6dR7Ae4

HighwayRanger · HighwayRanger

Hello All, I'm trying to get an answer to something that should be simple. I am trying to estimate our future federal tax burden to see if we can retire or not. But in order to anticipate our NET income (upon which we will live) I need to be able to figure out how much of our GROSS income will be misappropri...

Camper Chronicles · Camper Chronicles

As part of the FT plan, I have been getting some medical tests that I have been putting off for you while I still have the good insurance. One of those tests led to a minor surgery...it only took one hour but the bill came back at $6K. I am mentioning this because the insurance company negotiated the cost...

TRAILERKING · TRAILERKING

Any Canadian travelers out there that can shed some light on this would be great. What do you do for healthcare when traveling throughout Canada and US?

NWescapee · NWescapee

Just started working on our 2013 taxes, wanted to get an early start due to selling the house, donating tons of stuff, trading our truck in (business asset) for a bigger truck and just trying to see how much of our paperwork is still catching up with us due to a new address. I spent several hours using It's...

EggerMar · EggerMar

Last May we bought a new 5th wheel. The dealer told us we could use the interest on this loan as a tax write off just as we do on our sticks and bricks, as the 5th wheel is considered a 2nd home. Anyone out there taking this deduction and if so, how do indicate it on your tax return? Thanks, Marilyn

jrzygrl64 · jrzygrl64

Hello! I wanted to ask if anyone here has heard of/used or know anyone who has used an extended warranty company called "XtraRide Protective Asset Protection". When we purchased our Landmark, the dealer gave us info about them and said we could sign up for this at "new" rates f...

Camper Chronicles · Camper Chronicles

Have a question for all the folks who have been doing this awhile. So your on the road for 7 years and your truck or RV needs replaced or major work done. I am curious if you got a loan or paid cash. How difficult was it to get a loan with a nomadic lifestyle?? Not everyone has a chunk of money set aside for s...

sologal · sologal

I have been looking at peoples food budgets and it got me wondering "how much does food cost in the U.S.? I know I will be saving on gas while down south { I live in Canada}, but our food prices are rising greatly and I would like to here from some of you on basic prices for everyday food stuffs. So a loaf o...

rgrrmg · rgrrmg

Since I'm shopping for an RV, I was wondering if some folks out there could give me some ideas on deciding on a state for a domicile. I hope to eventually become a full-timer, and have been doing lots of research. My original plan was to have Texas as my domicile, but now with the new health care plans and l...

kimbrellsf · kimbrellsf

Having looked at Howard & Linda's expenses, sample budgets and some others I found online, I've been shamed into reducing our grocery bills. I already knew I spent too much, but I'm way out of line compared to other peoples budgets. Ok, I spend too much on wine, but is that 'Food' or 'Entertainm...

Jim · Jim

Learned something interesting the other day. Some unknown person was able to get ahold of a friends debit card number and made some charges on his card. He called the bank and they said there was nothing that they could do until he filed a police report and jumped through other various hoops. I ha...

Technomadia · Technomadia

Anyone a Charles Schwab customer who opened their account after going nomadic, who uses a mail forwarding service as their address with them? How'd you get around their verification process? I am being denied ability to be added to my mom's account as a power of attorney because they can't verify a...

vairman · vairman

http://www.forbes.com/sites/peterjreilly/2013/05/21/rvania-resident-taxed-by-new-mexico/

Lucky Mike · Lucky Mike

Today Im sure I will make alot of Friends!!!!! I need to know how to invest a large sum of money safely. without loosing it so just the interest generates income and the taxes to make it function..... is offshore banking a better move ........... If you can help it will be appreciated, I have been a work...

BMiller · BMiller

After 2 years of dreaming, researching and hesitating.. we finally found the motorhome we simply could not walk away from... WE BOUGHT it! We have 1 year now before we can full time. Anyway the question is .... what is a good insurance company to insure the beast we bought...

lindy · lindy

Talked to my local agent today about full coverage on a new MH. The price was good BUT, it had no provision for "Full Replacement Cost" for a new MH if the current MH was declared a total loss. With the value of a new MH dropping 4 times faster then the loan payoff the first 3-4 years what additio...

nightsky · nightsky

Just curious, does anyone here use Fuelly.com to keep track of their mileage? I've been using it since early 2009, before that I tracked mileage in a program on my computer, but with Fuelly you can browse other users and see what kind of real-life mileage different vehicles get instead of the wildly op...

markowho40 · markowho40

I am 40 with developmental disabilities and i get about 2 thousand a month but im a little affraid of traveling with not ever being thought to budget and i want to travel but my 1996 36ft winnebago cost about 300.00 dollars to fill up the gas and i can go about 800.00 miles before i have to fill it up but id rea...

Trikester · Trikester

Any fulltiming active or retired clergy out there who treat their RV as their sole residence? My accountant tells us we can claim an RV (fifth wheel in our case) as our residence and exclude all expenses just as we could if we owned a house. The catch is we need to have a "fair rental value" of th...

Kevin and Janet · Kevin and Janet

I'm going fulltime Dec 2014. What credit card is best for fulltimers?

nightsky · nightsky

Thursday evening I received a voice mail, it was an automated phone call from someone stating they were with the fraud depatment for my bank card, and please call them back. I did, the only identifying info they asked for was the phone number the message was left at. They stated that there had been multi...

Hina · Hina

Does anyone have experience selling at swap meets, fairs or farmer's markets while on the road? What about interstate commerce? Such as seller's permits, etc? Advice and wisdom appreciated! Jane

injunear · injunear

Is anyone using USAA for their banking ? We have received ads through our local American Legion. We use US Bank online services now, but are thinking about changing. Wayne

Topic		Started By	Replies	Views	Last Post
	Fulltiming with Tricare (Preview) For those of you military retirees, under age 62, do you fulltime with Tricare Prime or Tricare Standard? We are on Prime now and as I understand it if we go ahead and change our address to South Dakota, then we will have to change our provider area. I was just wondering how it all works for those that have...	DorisandDave	15	7908	07:28 PM Jul 21, 2014 by CathyJ
	buying things w/ credit card for the points? (Preview) i admit, we're extremely old school when it comes to payimg bills. we still send a check in the mail every month for every bill, and last month was the first month of direct deposit for social security. as we embark on our new life we're thinking of ways to make bill paying the easiest. one idea i have is to u...	suse1023	30	7868	08:41 AM Jul 17, 2014 by Neil and Connie
	under $1200.00 (Preview) IS THERE ANYONE OUT THERE FULLTIMING FOR UNDER $1200.00 A MONTH. IF YOU ARE I WOULD LIKE TO HERE FROM YOU. WE ARE GOING FULL TIMING SOON. EVERY THING WE HAVE IS PAYED OFF AND WE HAVE NO CREDIT CARD PAYMENTS. JT	jt	21	5564	11:40 AM Jul 11, 2014 by Terry and Jo
	Zero dollars in credit card debt!!! (Preview) What a great feeling. All the revolving lines of credit paid off just one truck loan and one fifth wheel loan to be paid off from proceeds of the house sale and everything else we save between now and the end of the year!!!	Camper Chronicles	35	3653	06:56 PM Jul 7, 2014 by Dog Folks
	RV Insurance - Fulltimer or leisure use? (Preview) Ok.. back on the insurance thing..Started in other thread.. How does a insurance company KNOW you are fulltiming if you don't tell them? As Example .. I have a fulltime , real address in FL. It is my residence. If I utilize my camper alot, am I full timer by default? How much the the rv need to used to be...	The Junkman	6	2032	05:16 PM Jul 7, 2014 by Talensnana
	Buy used DP with cash or get a loan? (Preview) We are weighing the costs/benefits of paying cash or taking out a loan for a used motorhome. Normally, I like paying cash, but some of our assumptions and considerations indicate it may not be the best move. I appreciate your inputs on my assumptions and calculations listed below:Assumptions- ...	Gpndavid	26	4441	08:07 AM Jun 5, 2014 by Hdrider
	RV Expenses video monthly expenses (Preview) https://www.youtube.com/watch?feature=player_embedded&v=sKRY6dR7Ae4	bjoyce	26	4123	10:55 AM May 28, 2014 by Lucky Mike
	Tax Brackets (Preview) Hello All, I'm trying to get an answer to something that should be simple. I am trying to estimate our future federal tax burden to see if we can retire or not. But in order to anticipate our NET income (upon which we will live) I need to be able to figure out how much of our GROSS income will be misappropri...	HighwayRanger	37	3604	07:41 PM Apr 29, 2014 by EBendana
	Healthcare Costs - Recent Surgery (Preview) As part of the FT plan, I have been getting some medical tests that I have been putting off for you while I still have the good insurance. One of those tests led to a minor surgery...it only took one hour but the bill came back at $6K. I am mentioning this because the insurance company negotiated the cost...	Camper Chronicles	18	2206	08:40 AM Mar 26, 2014 by BiggarView
	Canadians on the go needing Healthcare! (Preview) Any Canadian travelers out there that can shed some light on this would be great. What do you do for healthcare when traveling throughout Canada and US?	TRAILERKING	4	1604	04:52 PM Mar 25, 2014 by igotjam
	Tax donations - stuff that was donated (Preview) Just started working on our 2013 taxes, wanted to get an early start due to selling the house, donating tons of stuff, trading our truck in (business asset) for a bigger truck and just trying to see how much of our paperwork is still catching up with us due to a new address. I spent several hours using It's...	NWescapee	8	1934	10:19 PM Feb 3, 2014 by Talensnana
	Tax deduction as 2nd home (Preview) Last May we bought a new 5th wheel. The dealer told us we could use the interest on this loan as a tax write off just as we do on our sticks and bricks, as the 5th wheel is considered a 2nd home. Anyone out there taking this deduction and if so, how do indicate it on your tax return? Thanks, Marilyn	EggerMar	13	4130	12:43 PM Feb 3, 2014 by NWescapee
	Extended warranties (Preview) Hello! I wanted to ask if anyone here has heard of/used or know anyone who has used an extended warranty company called "XtraRide Protective Asset Protection". When we purchased our Landmark, the dealer gave us info about them and said we could sign up for this at "new" rates f...	jrzygrl64	22	2753	10:50 AM Feb 2, 2014 by Terry and Jo
	Replacing your RV or Truck once on the road (Preview) Have a question for all the folks who have been doing this awhile. So your on the road for 7 years and your truck or RV needs replaced or major work done. I am curious if you got a loan or paid cash. How difficult was it to get a loan with a nomadic lifestyle?? Not everyone has a chunk of money set aside for s...	Camper Chronicles	3	1786	09:06 AM Jan 25, 2014 by Technomadia
	Bread & Eggs U.S prices (Preview) I have been looking at peoples food budgets and it got me wondering "how much does food cost in the U.S.? I know I will be saving on gas while down south { I live in Canada}, but our food prices are rising greatly and I would like to here from some of you on basic prices for everyday food stuffs. So a loaf o...	sologal	12	2359	04:45 AM Oct 14, 2013 by sologal
	Domicile (Preview) Since I'm shopping for an RV, I was wondering if some folks out there could give me some ideas on deciding on a state for a domicile. I hope to eventually become a full-timer, and have been doing lots of research. My original plan was to have Texas as my domicile, but now with the new health care plans and l...	rgrrmg	8	2792	04:29 PM Oct 8, 2013 by NWescapee
	Food (Preview) Having looked at Howard & Linda's expenses, sample budgets and some others I found online, I've been shamed into reducing our grocery bills. I already knew I spent too much, but I'm way out of line compared to other peoples budgets. Ok, I spend too much on wine, but is that 'Food' or 'Entertainm...	kimbrellsf	23	7446	02:34 AM Jul 31, 2013 by laears
	Debit Card vs Credit Card Fraud (Preview) Learned something interesting the other day. Some unknown person was able to get ahold of a friends debit card number and made some charges on his card. He called the bank and they said there was nothing that they could do until he filed a police report and jumped through other various hoops. I ha...	Jim	18	4548	07:01 PM Jul 18, 2013 by igotjam
	Anyone a Charles Schwab customer using a mail forwarding address? (Preview) Anyone a Charles Schwab customer who opened their account after going nomadic, who uses a mail forwarding service as their address with them? How'd you get around their verification process? I am being denied ability to be added to my mom's account as a power of attorney because they can't verify a...	Technomadia	2	3839	09:01 PM Jun 2, 2013 by cherylbrv
	RVania - Interesting article (Preview) http://www.forbes.com/sites/peterjreilly/2013/05/21/rvania-resident-taxed-by-new-mexico/	vairman	5	2030	04:29 PM May 25, 2013 by Ckerr
	large money investments........general advice!!!! (Preview) Today Im sure I will make alot of Friends!!!!! I need to know how to invest a large sum of money safely. without loosing it so just the interest generates income and the taxes to make it function..... is offshore banking a better move ........... If you can help it will be appreciated, I have been a work...	Lucky Mike	24	4013	04:07 PM May 23, 2013 by PIEERE
	Best Insurance for motorhomes??? (Preview) After 2 years of dreaming, researching and hesitating.. we finally found the motorhome we simply could not walk away from... WE BOUGHT it! We have 1 year now before we can full time. Anyway the question is .... what is a good insurance company to insure the beast we bought...	BMiller	9	2224	01:02 AM Apr 28, 2013 by BMiller
	MH Insurance? (Preview) Talked to my local agent today about full coverage on a new MH. The price was good BUT, it had no provision for "Full Replacement Cost" for a new MH if the current MH was declared a total loss. With the value of a new MH dropping 4 times faster then the loan payoff the first 3-4 years what additio...	lindy	3	2091	02:09 AM Apr 18, 2013 by Hdrider
	Fuel (Preview) Just curious, does anyone here use Fuelly.com to keep track of their mileage? I've been using it since early 2009, before that I tracked mileage in a program on my computer, but with Fuelly you can browse other users and see what kind of real-life mileage different vehicles get instead of the wildly op...	nightsky	2	1680	02:55 AM Apr 6, 2013 by nightsky
	not sure (Preview) I am 40 with developmental disabilities and i get about 2 thousand a month but im a little affraid of traveling with not ever being thought to budget and i want to travel but my 1996 36ft winnebago cost about 300.00 dollars to fill up the gas and i can go about 800.00 miles before i have to fill it up but id rea...	markowho40	2	1558	05:31 PM Apr 1, 2013 by Lucky Mike
	Clergy housing exclusion question as we move toward fulltiming (Preview) Any fulltiming active or retired clergy out there who treat their RV as their sole residence? My accountant tells us we can claim an RV (fifth wheel in our case) as our residence and exclude all expenses just as we could if we owned a house. The catch is we need to have a "fair rental value" of th...	Trikester	2	1827	09:20 AM Mar 6, 2013 by Trikester
	What Credit Card is best for Fulltimers Credit Card for Fulltimers Gas Card Rewards for fulltimers (Preview) I'm going fulltime Dec 2014. What credit card is best for fulltimers?	Kevin and Janet	19	3088	04:46 AM Mar 6, 2013 by LandYachty
	Scary stuff! (Preview) Thursday evening I received a voice mail, it was an automated phone call from someone stating they were with the fraud depatment for my bank card, and please call them back. I did, the only identifying info they asked for was the phone number the message was left at. They stated that there had been multi...	nightsky	11	2960	01:08 AM Feb 11, 2013 by Terry and Jo
	Anyone Doing Swap Meets on the Road? (Preview) Does anyone have experience selling at swap meets, fairs or farmer's markets while on the road? What about interstate commerce? Such as seller's permits, etc? Advice and wisdom appreciated! Jane	Hina	21	2337	05:25 AM Jan 8, 2013 by Hina
	Banking with USAA (Preview) Is anyone using USAA for their banking ? We have received ads through our local American Legion. We use US Bank online services now, but are thinking about changing. Wayne	injunear	10	4325	09:55 PM Nov 8, 2012 by waltben
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