RV Home Yet?

Welcome!

We- Alice and Jaimie - invite you to participate in our new blog. Our intention is to have lots of good information and interesting tidbits on the RV lifestyle. We'll be happy to answer your questions too. Both of us have been full-time RVers in the past, though now both travel part-time. Jaimie is an expert at RVing for dollars. She is the author of Support Your RV LIfestyle! An Insider's Guide to Working on the Road. Alice has written Taking the Mystery out of Retiring to an RV. Together we have written RV Traveling Tales: Women's Journeys on the Open Road, The Woman's Guide to Solo RVing, and Taking the Mystery out of RV Writing. We invite you to check out our website RVLifestyleExperts.com  for all sorts of informative articles, recommended books and fun things for the full-time RVer. Whether you have already hit the road or are a wannabee, we have something to offer. We look forward to conversing with you on many aspects of the RV lifestyle! Jaimie and Alice

RV Lifestyle Ezine- Should you rent an RV before buying?

The latest RV Lifestyle Ezine was sent out this afternoon. Jaimie writes about Quartzsite. Tom and Nancy talk about whether it is time to get with the technology available- i.e. smart phones and MiFi cards. See more resources and RV news. If you aren't subscribed, sign up at RVLifestyleExperts.com. Jaimie Hall Bruzenak

Did renting an RV help you make a decision to buy?

Did you rent an RV prior to making a decision to buy one? According to this article at RV Daily Report, only a small percentage do. Participate in our new poll at RVLifestyleExperts.com. Jaimie Hall Bruzenak

Fun way to see New Orleans

For a different way to see New Orleans, consider a multimedia tour that takes passengers to locations where famous movie scenes were filmed and shows them a clip from the film on-site. It also takes you by the New Orleans homes of actors Brad Pitt, Sandra Bullock and John Goodman.

To even see New Orleans, you need to park your RV - ideally out of the city - and then walk around. There are plenty of walking tours, including a free walking tour at the French Quarter Visitor Center of Jean Lafitte National Historical Park and Preserve. On the movie tour, you not only ride, but you get to see more of the city than the French Quarter. The tour takes you into lesser-known neighborhoods like Treme and the Faubourg Marigny.

The tour is about two hours long and includes popcorn and location stops and clips from about 30 films shot in New Orleans. If something is filming the day of your tour, they try to include it. In addition to tour schedules, their website includes a list of movie locations on the tour and what is currently filming in New Orleans.

If you're a movie fan, this tour is for you! Jaimie Hall Bruzenak

It's not right.....

The deal that Lipitor made with insurance companies could cost you more in your RV retirement. Up until November 30, Pfizer had exclusive rights to Lipitor. Now other companies can make and sell generic versions.

However, Pfizer cut deals with insurance companies so that insurance plans will charge consumers a lower deductible, but, in return, the companies cannot cover generic - read less expensive, competing - versions. Indirectly, it will hurt these consumers because of higher costs to the insurance companies, who will then raise rates.

Medicare patients needing this drug will be more directly affected. If you come under Medicare D,your  plan will cover your drugs up to $2,930 and then you go into the donut hole for a period of time where drugs are not covered. Since Lipitor costs much more than a generic version would, you will reach the $2,930 limit much sooner if you use this drug.

Other popular drugs will also come off patent protection in 2012. According to the article in the AARP Bulletin that I read, they speculate that these companies will try also to negotiate similar deals.

This means that some RVers will have less money to spend on their RV lifestyle.

The Senate Finance Committee and Special Committee on Aging have asked the Pfizer for details about the deals they made with the benefit management companies that serve as middlemen between drugmakers and insurers. Chairman Max Baucus, D-Mont., says "such deals may be abusing Medicare to boost their profits and denying generic alternatives to patients." You think?

If you are politically active or could be affected by this, contact your senator or a committee member and let them know you think this is WRONG. Jaimie Hall Bruzenak

Playing the Social Security game

... to maximize the money you collect. Rules for collecting social security can be utilized so one or both spouses can start collecting some money before full retirement age and later collect more.

Full retirement age right now is 66. If you take early retirement at 62, you will have a permanent reduction of 25 percent in your benefits. This is to take into account the fact that you will probably be collecting social security for a longer period of time. If you wait until age 70 to begin collecting, your annual benefit will be 32 percent higher than if you started collecting at age 66.

An article at Reuters.com explains how, by the spouse with the higher income electing social security, then suspending payments, the other spouse could then collect benefits based the those earnings- if that would be higher. The spouse with the higher income could continue working, ultimately increasing his/her own benefits. In another scenario, if one spouse was previously married for ten years to someone else, they could collect 100 percent of that benefit if the previous spouse died. Later, they might elect to take their own benefit or their current spouse's - again, depending on which payment is the higher one.

It's a little complicated, but it could pay to read the article so you can talk to a representative at Social Security and decide upon the way that will maximize your benefits in the long run for your RV retirement. If you find you can begin collecting some money earlier than you thought, that could help you get on the road that much sooner. Jaimie Hall Bruzenak

No retirement- the new model of retirement?

Lots is being written about the changing face of retirement. My Budget 360 states that many people will never retire. Others say the new 65 retirement age is 80.

According to MyBudget360:

We are left with over 75,000,000 baby boomers entering into retirement with very little saved. One out of three Americans has absolutely no money saved to their name. In 1983 over 60 percent of working Americans had some sort of defined-benefit pension plan. Today that number is below 20 percent. With the average worker making $25,000 a year the media designed idea of retirement is largely just another fantasy.

That's a lot of people that have no money saved. And, according to FrugalDad.com, most people are just throwing money at a number, with no idea of what it will take to live on in retirement. He references the ING commercial below.

Frugal Dad says a big problem is determining that number. And, then is it accurate? You may be able to live more simply than the retirement calculators suggest. (One retirement calculator is at ING. You can find others by googling "retirement calculator.")

At the ING calculator, one option is Domestic Traveler, with an estimate monthly spending of $5,600. That is assuming traveling part time in an RV and keeping a dwelling. Full-time RVing can be much less than that, many living on $2K/month or even less. When you add in working or volunteering on the RV road, that can lower your expenses even further.

Yes, articles paint a dreary picture about the future of retirement. I did come across another article in the New York Times money section that has some creative solutions for funds if you are laid off just before you retire and need some money to fill in. Again, RV retirement along with working or volunteering can be a good solution.

Many of us are where we are with not a lot of time to add to funds for the future. Save what you can and remember, we always have choices. There are tons of things to do- to enjoy life and be productive - that don't cost a cent. Jaimie Hall Bruzenak

Boot scoot boogie your way to dollars!

That's what Vicki Taylor has done. An avid line dancer, she has been making money the last five years by teaching line dancing at Samborees and workamping as an activity director. At the Good Sam Rallies, she also works the registration desk in addition to leading line dancing.

She also likes square dancing and went to caller college in North Carolina, but says she never got that proficient. She has also developed an interest in quilting and volunteers at a food pantry. You can read more detail at Al.com.

Vicki is an example of how an activity or hobby can not only add fun to your RV lifestyle but could end up adding money to your pocketbook. Do you have an interest that could help you get a Workamping paid or volunteer position? Or help you meet RVers and people in the community as you travel? I bet you do! Jaimie Hall Bruzenak

Buying an RV lot- may not be a good deal

A recent study by BowSterns found that the average cost of an RV lot in 2011 was $130,593 with the lowest reported price at $42,000 and the highest price at $419,000. Wow! That's pretty expensive considering the average size of the lot was 3500 sq. ft.

The number of reporting properties was 17 properties in seven states so they may not be typical, meaning you can probably find RV lots that are less expensive. You can get a copy of the results by signing up for it.

If you make the decision to travel full-time in an RV there is the option of settling in a location where you purchase an RV lot. It has been a fairly inexpensive option in the past. You may still be able to find inexpensive lots but the location and amenities may not be as desirable. In fact at looking at listings for RV lots for sale at RVProperty.com, I found many that are on the market for much less.

Other options include leasing a park model site, like in Voyager Resort in Tucson, pictured above. another is to look for a co-op. Some of the Escapees RV parks are co-op parks where the price is frozen, though the seller can charge for improvements. These prices are much more reasonable, though living in a co-op has its own pros and cons.

Whew! Even though this study found lots of lots that sell for as much as a house in some areas, there are low-cost options for RV retirement when you want or need to get off the road. Shop around! Jaimie Hall Bruzenak

 

 

Inspiring story: specially equipped RV

In RV Daily Report today, there is an inspiring story. Amyotrophic lateral sclerosis (ALS), often called Lou Gehrig's disease, causes a progressive loss of movement. Bill Yattaw was stricken a number of years ago but his wife was able to take care of him. When she died, he lost the will to live. However, when his son-in-law, Joe, found out he still had dreams to see the Grand Canyon and Mount Rushmore, he and his wife bought a specially equipped RV so Bill could still travel. Their first trip was to Ocala, Florida, where Bill and his wife had wintered for eight years. The three of them plan to visit the Grand Canyon this spring.

The RV is equipped with a hospital bed and lift, enabling Bill to travel. RVs can be outfitted with a number of devices to help those with disabilities. While the number of manufacturers willing and able to do this work is diminishing, it can be done. You can find manufacturers, equipment vendors and companies that customize RVs at the HandicappedTravelClub. Pictured above, is a motorhome with a Braun Lift.

While Bill Yattaw is fortunate to have a son-in-law and daughter to help, the fact that RVs can be modified offers great hope to people who have health issues or disabilities yet want to travel or RVers who develop issues on the road. Jaimie Hall Bruzenak

Push & pull- why people keep working

In the Seattle Times is an article, "More Americans put retirement on hold." Employment Security Department economist Scott Bailey is quoted as saying people keep working because of both pull and push factors. Here are the key factors mentioned in the article:

Pull

• Good health
• Enjoyment of job
• Work is less physically demanding
• Newer opportunities for women
• Work provides structure, validation

Push

• Low savings rate
• Fewer workers covered by pensions
• 401(k)s took a hit
• Still paying for kids' college education
• Can't downsize: Kids have come back home
• Worries about Social Security/Medicare
• Divorce sends mom back into the workforce

Workamping or working on the RV road is a way to have the benefits of both RV retirement and working. You get to travel to places you choose in your RV. You have time on days off or between jobs to explore or visit friends and family. Yet you are still earning income, or at least reducing your expenses. That combined with the flexibility of RVing and the control over a number of key expenses can help the RVer eat their cake and have it too.

Check out Support Your RV Lifestyle! An Insider's Guide to Working on the Road for more than 350 possibilities plus all the how-to's. We now offer a Super Package with a combined print and ebook version! Jaimie Hall Bruzenak