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 > Your search for posts made by 'bid_time' found 142 matches.

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  Subject Author Date Posted Forum
RE: Polyester-mites

Yea, They ate the box housing my flux capacitor and the next time it rained it shorted it out and left me stranded in the middle of the Gobi desert during monsoon season.
bid_time 04/01/20 10:21am Travel Trailers
RE: Just bought my first travel trailer

I think it is in your best interest to read and understand what all the weights mean and what all the numbers mean. For instance, you can get an F150 that will handle that trailer just fine. You can also get an F250 that that trailer could exceed the trucks ratings. Both of those statements are absolutely true. So understanding what all those numbers mean is important. Clicky
bid_time 03/30/20 06:57am Travel Trailers
RE: 2019–20 CORONAVIRUS PANDEMIC POSTINGS

Imperial College report about where this "could" go if strict controls aren't kept in place. I think this is the type of technical data people need to be studying rather listening to the media heads drone on and point fingers. Listen to the experts. Imperial College ReportWell it looks like once the scientist with all these predictions got in front of the British Parliament, he decided maybe his predictions were way off-base. Clicky
bid_time 03/26/20 01:18pm Around the Campfire
RE: Well we are almost full timers & the bunkhouse room

I used Plexiglass and cut it to fit both the tube and the window.
bid_time 03/26/20 10:17am Travel Trailers
RE: 20 year loan for RV?

...Buying on margin works great when the market is red hot. When it takes a dump, it's really painful.Not at all, it's only painful if you sell. Holding a paper loss costs you nothing, just like holding a paper gain nets you nothing. I thought that "paper" nonsense was obsolete 30 years ago. If your portfolio is down 25%, you done lost 25%. Don't believe that? Ask yourself if your neighbor invests the same amount as your new low figure on the day you bottom out if he has more, less or the same. There is so much bull that comes out of investment firms, for example: In it for the long run. Hang in there, it'll come back. Market timing won't work. And many more geared to keep all your money with them.So if your portfolio is down 25% can you deduct it on your income taxes as a loss? NOPE You pay Capital gains tax when you sell, you deduct losses when you sell; you get neither a loss nor a gain until you sell. So - there goes the theory paper loss equals real loss. You can keep your money in your mattress if you like, I prefer not to; but thanks anyway for the investment advice.
bid_time 03/26/20 08:51am Beginning RVing
RE: 20 year loan for RV?

...Buying on margin works great when the market is red hot. When it takes a dump, it's really painful.Not at all, it's only painful if you sell. Holding a paper loss costs you nothing, just like holding a paper gain nets you nothing.
bid_time 03/26/20 08:01am Beginning RVing
RE: 20 year loan for RV?

Hey bid time. How is your stock portfolio doing? Financing an Rv for 20 years is a bad idea no matter how you try to rationalize it. Now is the wrong time to make any major purchase.Down 18.4% since the beginning of the year. But you missed the point, I'm not in this for the short term. Like the title of this thread says "20 years". As a matter of fact, I'm doubling down and investing more right now. So since December of 2013 (when I started tracking my return and keeping detailed records) I have an Average Annualized Return of over 7.5% per year. That's the point; long term the market returns (google it) 7% - 8% per year. So let's talk again at the end of the year. I don't even look at it nor do I keep records of it month to month (other then the quarterly statements they send me).
bid_time 03/26/20 07:56am Beginning RVing
RE: 2019–20 CORONAVIRUS PANDEMIC POSTINGS

I have noticed that a lot of people don't understand exponential growth. At the time of this writing new cases double every three days in the US. Starting from today's number of new cases this is how it stands if we don't slow the spread and the rate remains unchanged Date, Number of New cases 3/25/2020 11,074 3/28/2020 22,148 3/31/2020 44,296 4/03/2020 88,592 4/06/2020 177,184 4/09/2020 354,368 4/12/2020 708,736 4/15/2020 1,417,472 4/18/2020 2,834,944 4/21/2020 5,669,888 4/24/2020 11,339,776 4/27/2020 22,679,552 4/30/2020 45,359,104 5/03/2020 90,718,208 5/06/2020 181,436,416 5/09/2020 362,872,832 Edit: It's hard creating tables in this format.So the moral of the story is on May 9 we have herd immunity and we can move on.
bid_time 03/26/20 06:07am Around the Campfire
RE: 20 year loan for RV?

Not sure why the interest question even comes into play. You can deduct the mortgage interest as a second home. Personally I'd rather use the banks money, amortize the debt, take the interest deduction and have my cash work for me. Recent events aside - I can earn a conservative 8-10% in the market or a 401 and net 5% or more difference over what I financed. I don't consider RV's as toys especially the Class A's I've owned, but you guys paying cash for your "toys" might do well to take an economics class. Paying cash for a depreciating asset is far worse than keeping your cash and putting it to work, using the bank's money, get the interest deduction and earn profit on the cash you still have. I get tired of the same 4 crusty mattress stuffers and your condescending remarks about not only who does what with their money, but reducing peoples love for Rv's to toys and advocating that financing is stupid. You are the ones who are missing the boat and could actually net money by financing. But go ahead, spend your cash on a depreciating asset. Get out of the 30's and start understanding how financing can actually be to your benefit. You have less cash and a depreciating asset. I have all my cash, plus net profit from the market by having that cash, and the RV. But I guess I'm a fool. Been in the banking industry for 25 years, not about to take financial advice from someone who pays cash for a depreciating asset. I think that falls under the list of "what not to do". We need a "LIKE" button.
bid_time 03/25/20 10:30am Beginning RVing
RE: 2019–20 CORONAVIRUS PANDEMIC POSTINGS

The CDC, John Hopkins, Oxford, and even New York City and a lot of others are taking HCQ and Azithromycin seriously. Lots of medical trials have begun already. There are several first hand patients that are telling of their own success. No one is saying it's the silver bullet but their is no room to not take is seriously. CDC John Hopkins Oxford and New York City
bid_time 03/25/20 08:38am Around the Campfire
RE: coronavirus...put it into perspective

If we cannot stick to known facts but re-define facts on the fly to suit ourselves (as the MSM has done), we cannot communicate accurately. The media re-defines "mortality rate" and other terms on a frequent basis, so they can move the goalposts and frighten people into doing what is desired.Apparently the media is worse than the disease. I wonder where this idea came from. If you can show me where the media makes up these numbers, I'll be glad to listen. If you can demonstrate that it's the media quarantining people and shutting stores, I'll listen. I'm also interested in how doctors listen to the media before making their scientific views known. Looks to me like a lot of hysteria is over the media.Have you even seen the media report how many people are getting better after having the disease?
bid_time 03/23/20 10:41am General RVing Issues
RE: What size of fifth wheel to accomidate my 3/4 truck...

This: 19.11 (1)Unless operating under the provisions of an overload permit issued under the Commercial Transport Act, no person shall operate or cause to be operated a vehicle that is loaded in such a manner that the gross weight carried by any axle exceeds the gross weight rating for that axle as specified by the vehicle manufacturer, or the gross vehicle weight exceeds the gross vehicle weight rating for that vehicle as specified by the vehicle manufacturer. (2)The weight distribution of a bus shall be such that not less than 25 per cent of the gross vehicle weight is on the front axle when measured on level ground. (3)Subsection (1) does not apply to a vehicle (a)manufactured before January 1, 2001, and (b)having a gross vehicle weight rating of 5 500 kg or less. clicky
bid_time 03/20/20 01:54pm Fifth-Wheels
RE: What size of fifth wheel to accomidate my 3/4 truck...

Never mind, found the answer.
bid_time 03/19/20 12:38pm Fifth-Wheels
RE: Interesting interactive Coronavirus calculator

Can't find the like button ??? MODERATOR'S EDIT: Per the site Admin's request, I am closing all COVID-19 threads and directing future comments to one thread in Around the Campfire. 2019–20 CORONAVIRUS PANDEMIC POSTINGS
bid_time 03/19/20 10:16am RVing with Disabilities and General Health Issues
RE: What size of fifth wheel to accomidate my 3/4 truck...

With a FW, staying within axle rating/tire rating is most important. Your truck will work with that FW. Worst case, you may need to add a little support to rear suspension, to level the truck. Don't use the 10K GVWR, and low payload door sticker, as the determining capability of your truck. Those numbers are just due to the truck being in the class 2 rating for registration. Jerry Are willing to pay all his ticket for him in British Columbia if he follows your advice?
bid_time 03/19/20 10:02am Fifth-Wheels
RE: What size of fifth wheel to accomidate my 3/4 truck...

What does the sticker on the door of your truck say. It should something to the effect of "maximum weight of cargo and passengers should not exceed _______ lbs". The pin weight once the trailer is fully loaded (not the weight on the dealers lot) is part of the cargo. Pretty self explanatory.
bid_time 03/19/20 05:19am Fifth-Wheels
RE: Coronavirus practical issues

YUP - Good Catch! - I got caught up in the same trap. The big take away is - every time some one try to lay some number out about this, its all just speculation with no basis in fact. Just like I originally said.
bid_time 03/18/20 02:38pm RVing with Disabilities and General Health Issues
RE: Coronavirus practical issues

In the most effective mitigation strategy examined, which leads to a single, relatively short epidemic (case isolation, household quarantine and social distancing of the elderly), the surge limits for both general ward and ICU beds would be exceeded by at least 8-fold under the more optimistic scenario for critical care requirements that we examined. In addition, even if all patients were able to be treated, we predict there would still be in the order of 250,000 deaths in GB, and 1.1-1.2 million in the US. By my calculation 1.2 million deaths is 0.3%, 10 times less then the 3% death rate you predicted earlier.mortality rate for a disease is the number of deaths caused the the disease divided by the number of infected people (not the total population).Since 80% of the people that get the disease have symptoms so mild that they don't require hospitalization and don't get tested, the only reliable data you have is - What are your chances of succumbing to the disease. 0.3%. Those are the only known facts, All else is nothing but speculation.
bid_time 03/18/20 11:11am RVing with Disabilities and General Health Issues
RE: New Truck - Is My Math Right?

Number one, move that 50 lbs of gear you want to put in the truck to the trailer. At that point it only adds 7 lbs to the tongue weight (14%), giving you 43 more lbs of payload to work with.
bid_time 03/18/20 10:48am Travel Trailers
RE: Coronavirus practical issues

I don't understand did someone with all knowledge suddenly say this flu is the end of the world or something? It's weird because it's no worse than a common yearly flu season flu. Seasonal flu has a 0.1% death rate. Currently, COVID-19 has over a 3% death rate. That makes COVID-19 30 times more deadly. And if you're over 70, the death rate jumps to 8%, and over 80, the death rate is 15%. Finally, there isn't any vaccine or treatment for this new flu.How do you know what the death rate is when they don't even know how many cases there are. If there are 3 times as many cases as being reported (remember 80% no symptoms or mild symptoms), then your death rate goes down dramatically. Only 16,500 people out of 333 million have been tested. You numbers are pure speculation and have no basis in fact. My numbers came from the March 3rd WHO report, but, unfortunately, it's old news now. Here's the "most significant conclusion" from the March 16 Imperial College Report: In the most effective mitigation strategy examined, which leads to a single, relatively short epidemic (case isolation, household quarantine and social distancing of the elderly), the surge limits for both general ward and ICU beds would be exceeded by at least 8-fold under the more optimistic scenario for critical care requirements that we examined. In addition, even if all patients were able to be treated, we predict there would still be in the order of 250,000 deaths in GB, and 1.1-1.2 million in the US.By my calculation 1.2 million deaths is 0.3%, 10 times less then the 3% death rate you predicted earlier.
bid_time 03/18/20 05:57am RVing with Disabilities and General Health Issues
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