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Old 08-27-2015, 08:29 AM   #21
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Safety was indeed a factor I considered when I moved from my former E-450-based Class C to my current Freightliner M2-based Super C. DW and I talked about and looked at some Class A's, but after discussion the Seneca won out.

One safety item I do wish the Freightliner offered is driver and passenger airbags. My Ford obviously had them, maybe it is just the impression that they would add an extra margin of safety. But they are not required due to the GVWR. We always are buckled up in the cab, hopefully that will be enough if something ever happens.
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Old 08-27-2015, 09:24 AM   #22
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Bassdogs - using that quote option thing didn't work quite right - but anyway, you understand my response. Thanks again.
No don't understand? Only quote option I ever did was 2+ years ago when I purchased the WhiteHawk. I don't figure things based on monthly figures because when I decide to buy something I pay for it. That way 6 years down the road I'm not still paying for a 6 year vehicle or rv. That format has allowed me to retire early and I fully understand that I have been blessed to be able to do it that way. On the other hand, it is the reward for living a very fugile life in our younger years.

I could but won't shoot holes in Griz's numbers, but just wanted to make sure people don't jump on long term financial decision without a realistic understanding of the impact of that decision. I am not anti MH and like I said before, we have taken several MH trips, but for many usage patterns, they may not be all that some like to imply.

2014 WH 30DSRE >26K online, 2010 2500HD Duramax >37k [net 20k w/08 1500 crewcab trade in

Expense going forward: approx. $700 per year for insurance on both TT and TV, no monthly payments, and my duramax value will get a lot closer to the MH value 5 - 10 years down the road.

What ever works for you is the right answer. Saving money buying a MH ???????.
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Old 08-27-2015, 11:26 AM   #23
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Bass... I am not offended if you find holes in my numbers... Forum if here to inform all of us and your sugestions are welcome by all... Including those being shot at

The numbers I have posted are all legitmate numbers based on my banking. I track my pennies pretty closely. I would love to be able to pay cash for my vehicles, but financing is my reality and that of many others. For me it is again a lifestyle choice, I prefer to live for today. Admittedly I am able to do that because I have a defined benefit pension plan so I do not have to worry as much about tomorrow.

If you are willing to accept my fuel numbers, and I promise I have the reciepts, that alone is a savings of $3000 a year or $45,000 over the 15 years I intend to own this rig. And that is not accounting for inflation of fuel prices. It also helps that my interest rate on the RV is locked in for the entire term as well so I know my payments exactly for that period.
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Old 08-27-2015, 06:04 PM   #24
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Bass... I am not offended if you find holes in my numbers... Forum if here to inform all of us and your sugestions are welcome by all... Including those being shot at

.
Not a problem griz and both points and points of view have been presented. Enjoy the MH.
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Old 08-27-2015, 07:32 PM   #25
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No don't understand? Only quote option I ever did was 2+ years ago when I purchased the WhiteHawk.
Sorry Bassdogs - I meant the "Quote" function on this forum. If you look back, you'll see I messed up trying to quote a portion of your previous message. That's the problem with asynchronous communication.
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Old 08-27-2015, 08:58 PM   #26
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Not Quite... the 18 days are just the driving days... I am in the unit 45-50 days a year at this point. Right now it is my home for 16 Gloriously wonderful consecutive days.. But yes it sits for the same 315 days a year that the $40,000 TT did.

If that was the basis for my investent... well it probably sucks either way

And on those 315 days, I drive around in my $20,000 commuter car instead of the $45,000 truck. It comes down to personal priorities and preferences. I have picked mine and I love the choice, I am pretty sure Bass is very happy with his set up and sometime in the near future Whitehawk will have finished his research and figured out what rig works for hiim.
I'm with you Griswald. From an investment standpoint, any RV "sucks" as you so eloquently put it!! I am a lot closer to the end then I am the beginning. So If I can afford it and want it, I intend to have it!! I have no desire for a MH but the monetary issue would be the last thing that would enter into the equation as long as I can pay for it. I, like you have had many "glorious" days beating around this country and hope to have many more. As the old saying goes "have you ever saw a Brinks truck following a hearse to the cemetery??)
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Old 08-27-2015, 09:46 PM   #27
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If you are not factoring in the time value of money over the 15 years, essentially the lost of potential compounding, you are not considering the real cost.

We are much closer to the beginning than the end, both have great careers but intentionally chose to live very frugally I order to both pay cash for toys and invest for the future.

Starting from ZERO and saving $500/ month (typical car payments) for 15 years you end up with $160k on a $90k investment if you average a moderate 7% rate.

It's just simple math; we would rather live frugally, buy used in cash, and hold things for a long time.

Oh, I am not doing this so a Brinks truck can follow me to my grave. I am doing this so my kids and many generations to follow can continue to build upon it and hopefully make a meaningful impact to my community today and in the future.
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Old 08-28-2015, 07:02 AM   #28
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If you are not factoring in the time value of money over the 15 years, essentially the lost of potential compounding, you are not considering the real cost.

We are much closer to the beginning than the end, both have great careers but intentionally chose to live very frugally I order to both pay cash for toys and invest for the future.

Starting from ZERO and saving $500/ month (typical car payments) for 15 years you end up with $160k on a $90k investment if you average a moderate 7% rate.

It's just simple math; we would rather live frugally, buy used in cash, and hold things for a long time.

Oh, I am not doing this so a Brinks truck can follow me to my grave. I am doing this so my kids and many generations to follow can continue to build upon it and hopefully make a meaningful impact to my community today and in the future.
Just for the record, everything I buy is with cash. I HAVE lived frugally all my life. I have a farm that I'm leaving to the kids. What do you think the chances are that they are going to build on that. Chances are good that I won't be cold yet when that's on the market. I have great kids that are doing just fine without my money. Your kids impact on the community won't have a damn thing to do with what you leave them financially. I'm not suggesting spending beyond your means. What I'm saying is to enjoy what time you have while your health is still good enough to get out and go. If setting at home counting your money trips your trigger, so be it. That's not what I enjoy.
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Old 08-28-2015, 08:03 AM   #29
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From an investment standpoint, any RV "sucks" as you so eloquently put it!! ??)
The key word here is "investment". RV's are not investments, they are expenditures, like playing golf, going to a movie or a trip to Hawaii. You buy and you enjoy. In the end you have a wadded up receipt and memories. The shiny RV you buy for $$$$$$$$'s may if you're lucky worth $$$ when you're done with it and want to sell. What you have to do is decide up front if you want to see that movie or take that trip. Anything that depreciates is not an investment.

Like you, my father taught me to pay for your toys. Rule of thumb is that if you can't pay for a toy in 2 years, you can't afford it. We have followed that life rule since we were young and our bank account was pretty much paycheck to paycheck. What financing % or term that you can get doesn't alter the basic approach. You can get a 120 month [10 year] loan on a runabout boat that will be worth a dime on the dollar in as little as 5 years. The trap to financing your life is that it locks you in forever. There is no equity in your assets so when you want to sell or trade you often find yourself upside down with what you still owe.

Again I am not shooting at Griz and people who think differently than I do. And my approach is not about being "flush" with cash but rather having better options down the road when the shine is gone on what I bought 3 -5 years ago.

Sorry for hijacking the thread but do feel that cost is a factor in what ever we do and millions find themselves broke because a bank told them they could finance something that in the end they couldn't afford.
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Old 09-01-2015, 08:30 PM   #30
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Just for the record, everything I buy is with cash. I HAVE lived frugally all my life. I have a farm that I'm leaving to the kids. What do you think the chances are that they are going to build on that. Chances are good that I won't be cold yet when that's on the market. I have great kids that are doing just fine without my money. Your kids impact on the community won't have a damn thing to do with what you leave them financially. I'm not suggesting spending beyond your means. What I'm saying is to enjoy what time you have while your health is still good enough to get out and go. If setting at home counting your money trips your trigger, so be it. That's not what I enjoy.
Pay Cash by saving for whats important to you. I earned it, I spend it, I enjoy what time & health I have left. Whats left goes to the kids .....
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