Monday, November 1, 2010

What’s Your Plan?

It has been interesting since we made the decision to go to full time RV’ing.  The look on peoples faces when they ask us where we are moving because our house is for sale.  Once we tell them then the next question always is, what is your plan?  Where are you going? 
At first it seemed as though we had to justify that we were going to live full time in a fifth wheel, but if you think about it what is the difference from this and living in an apartment or house.  The main difference is that we can get up an move anytime we want, otherwise we have the same (somewhat) comforts of a permanent abode.  Granted the square footage of our fifth wheel is much smaller that what we are used to, but I am sure we can adapt (have any of you seen my parents condo!).
As for what's our plan - here is a tentative outline of what we see ourselves doing for probably the first year once we start.  From Illinois we will be heading to Texas.  First to Houston to visit my niece and her family so we can see her new twins, plus visit with other friends we have in that area.  From there we will make a stop in El Paso to see my other niece and her family, then onto Phoenix to visit with our daughter and possibly view some baseball spring training.  Next up would be Southern California where we will probably stay for awhile to visit with many friends and relatives.  From there we will work our way up through California and do some sightseeing in Oregon then to the Washington/Oregon wine country.  From there it is into Canada where we want to meet up with our friends from Idaho in Banff.  After that we will work our way back into the Midwest to meet up with our other daughters in Illinois and Ohio before the cold weather sets in.  A stop in Tennessee to visit with my nephew then most likely head back west through the south to avoid any cold weather.
Just to keep you informed, the trailer financing was approved and the trailer will be picked up this week.  Again, to any prospective full timers out there, buy the trailer early as lenders are not lending to full timers, unless of course you plan to pay cash. 
I did some research on this lending issue and it seems that full timers are a victim of the stimulus bill that was passed and the tightening of bank regulations on mortgages.  An RV for a full timer is considered their home so the regulations require that banks must impound (collect upfront) for insurance and taxes.  Well for a full time RV’er they cannot determine where they permanently live so the banks do not know what to collect and are concerned, legally, how they should handle such loans.  So the result is they are just not lending to full timers.

1 comment:

  1. so whats wrong with being retired and doin nuttin? Some of our best times are sitting on the coast watching the dolphins go north. Wait awile and the come back headed south. Sometimes they'll join the sufers and show them how to really ride a wave. LAW

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