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 > Your search for posts made by 'TomG2' found 300 matches.

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RE: Are things ever going to get better?

Stop watching the news and life is great. ...... Good advice. Ignore it and it will be gone by the time warm weather gets here. It is nothing that warm weather and bleach won't cure.
TomG2 08/20/20 06:33am Snowbirds
RE: Are things ever going to get better?

Why don't we take up the battle and beat it into submission? We can do it, we whipped polio and a lot of other diseases when we all got on the same page. Half the country cannot beat it. Ninety percent can. What's it going to take? 200,000 deaths? 300,000 deaths? There must be some point at which we will take it seriously. What are we waiting on? I only have a few years left and I don't want to spend them waiting to get the Covid. Let's win this thing.
TomG2 08/19/20 10:12pm Snowbirds
RE: Is it possible to finance a $23K trailer for 180 months?

Who still writes a check for their payments?... Not me. This is 2020 not 1920. Payments are applied the way that I direct them.
TomG2 08/19/20 06:37am Travel Trailers
RE: Is it possible to finance a $23K trailer for 180 months?

Only save up and pay cash. Doesn't matter if the kids grow up and move out in the meantime. Doesn't matter if you have to wait for an inheritance. Doesn't matter if inflation outruns your saving plan. Wait. Cause that's what smart people do.
TomG2 08/18/20 03:29pm Travel Trailers
RE: Is it possible to finance a $23K trailer for 180 months?

.... When you pay extra, it is automatically applied to the balance, not future payments, by law. Lenders will often also advance the next payment due date when excess payments are received... Both the principal is reduced AND they advance the next payment due date? Looks like it would be one or the other.
TomG2 08/18/20 05:25am Travel Trailers
RE: Is it possible to finance a $23K trailer for 180 months?

While I have mentioned that, I have run into a pretty persistent bunch of folks here that always continually point out that there is no need to specifically state how the extra money is to be applied. They insist it is done automatically (which is not always the case, but you can't argue with them). You can get an argument on here about the color of mustard. I threw a few extra dollars at an installment loan and discovered that the principal did not go down but that my next payment was not due until next April. Since then, I stipulate "Principal" for any non scheduled payments. The only reason I asked is that DownTheAvenue made it sound "Tricky".
TomG2 08/17/20 08:46pm Travel Trailers
RE: Is it possible to finance a $23K trailer for 180 months?

As stated above , making extra payments is wrong , you make a payment and also enclose a check and a note stating you are making a " payment on the principal " also . I don't write checks or send notes to my bank. My online bank has a place to categorize payments, "Regular payment", "Principal payment" etc. I asked a simple question. I thought. Notes and checks get lost in the mail. Haven't you heard? DownTheAvenue made it sound like it might be more complicated than that.
TomG2 08/17/20 07:06pm Travel Trailers
RE: Is it possible to finance a $23K trailer for 180 months?

....snip.... Check your contract with the bank regarding early pay offs, and discuss with the bank how to handle extra payments. Without care on your part, those extra payments will be applied to future monthly due payments, and although you pay the loan off early, you will pay all the interest as if you paid for the whole term. Sometimes it is just better to make the minimum monthly payment and save up extra money to make a one time large payment to pay off the loan. You can cost yourself many thousands of dollars if you don't do this right. Is "doing it right" as simple as designating extra payments as "principle" payments?
TomG2 08/17/20 06:47pm Travel Trailers
RE: Dodge RAM payload

While there are a few specific half ton's with the capacity you need, they are almost impossible to find. 250 and 2500 series pickups will tow that 7,000 pound trailer with ease and be there for the 8,000 pound one in two years.
TomG2 08/16/20 06:39am Travel Trailers
RE: Full Timer's A/C Question

I have had one rooftop AC fail in twenty years as a full timer and it failed in the first few months. I run the heck out of them, often for days at a time in South Texas heat and humidity.
TomG2 08/12/20 07:48pm General RVing Issues
RE: First barrage with the dealer

I'm certainly thankful that neither my kids nor I feel the need to belittle other people who don't think or act exactly like we do. Maybe that's a benefit of a larger camper? Belittle? If the shoe fits..... I do me, you do you. I don't care if you tow a sixty foot mobile home. I do look at camping as a chance for families to be close together. If that belittles you, sorry.
TomG2 08/12/20 01:23pm Travel Trailers
RE: truck for towing.

2500HD. Then you won't be back on here in six weeks asking about tires, suspension upgrades, and high priced hitches. Plus, you are ready for your next trailer. Oh yeah, you will enjoy your longer trips.
TomG2 08/11/20 08:59am Travel Trailers
RE: First barrage with the dealer

...snip..... I AM thankful that my parents squashed us all into that little camper. Well said. I suppose a family could go camping in a three bedroom mobile home but I don't see the point. Cousin Richard, his wife, and five kids had as much fun camping in the back of a farm grain truck as any family in a forty foot fifth wheel. If one does not want to know what their kids or doing or vice versa, bigger is necessary.
TomG2 08/10/20 07:04pm Travel Trailers
RE: First barrage with the dealer

....snip..... Have you really considered how cramped that trailer is going to be with 5 people in it? I don't mean to rain on your parade but that's going to be pretty tight living conditions. ........ Other than full-timers do people really buy travel trailers to "Live in"? I use a camper to sleep in while I am visiting interesting and fun places. Then I am out of the trailer. Families have enjoyed tent camping for years in smaller spaces than a 25 foot travel trailer with sleeping for six.
TomG2 08/09/20 07:31am Travel Trailers
RE: First barrage with the dealer

To the OP: Thanks for providing some solid information about your deal and please report back as things move along. As an aside, the Jayco 224BH is a pretty nice unit.
TomG2 08/08/20 09:29pm Travel Trailers
RE: Weight Calculations

A couple of the guesses are not too far off, but they totally disregard the dynamics of the situation. What happens when things move, bounce and flex as the trailer is towed down the rough highway? Much more complex and beyond the scope of an Internet opinion game. "Statics is (physics) the branch of mechanics concerned with forces in static equilibrium while dynamics is (mechanics) the branch of mechanics that is concerned with the effects of forces on the motion of objects."
TomG2 08/07/20 09:44am Travel Trailers
RE: Weight Calculations

....snip..... So far no point has been made. A lot of darts have been thrown but not many points made.
TomG2 08/07/20 07:57am Travel Trailers
RE: Estimate of cargo weight

The estimates mentioned may or may not be accurate but you are in control of the actual number. In a marginal situation, I have had my friend bring her pickup hauling things like generators, fuel, spare propane, water, etc. Normally, I have enough tow vehicle to haul it all and then some. You are in charge.
TomG2 08/06/20 10:56am Travel Trailers
RE: Legitimate concern with ultralight flooring.

At a superlight 270 pounds, I find many of the entry level trailer floors inadequate. I placed half inch plywood on top of my Rockwood floor to get me to trade off time in the first year. It was sinking fast.
TomG2 08/05/20 06:33pm Travel Trailers
RE: ~11K difference between same trailers...

Inflation can be the only result of all this borrowing, borrowing, borrowing we have been doing for the last decade or so. Keeps getting worse and devaluation, (inflation) is inevitable.
TomG2 08/04/20 08:46pm Travel Trailers
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