Posts Tagged ‘RV Insurance’

One Year Ago

Posted on December 5th, 2010 by by Administrator

It was one year ago yesterday that we had the most frightening experience in our lives as fulltime RVers. Longtime readers may remember that it was on December 4, 2009 that we returned to our Winnebago, which was parked in the campground at an RV repair facility in Elkhart, Indiana, and came face to face with an armed burglar inside our motorhome.

By the time I realized what was happening, I was already out of our van and approaching the door of the RV, and he was pointing a gun at me. In the confrontation that followed, I managed to slam the RV’s door on his hand and disarmed the intruder. He got away, only to show up at a hospital three days later with seven broken bones in his wrist and hand.

As it turned out, he was a career criminal out on bail on other charges, and with outstanding warrants. He’s back in prison where he belongs, and will be for a long time, or until the next parole board believes his sob story about how he grew up poor and was victimized by life and the system.

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Besides some things that were missing, the intruder and whoever had been with him trashed the inside of our RV, throwing electronic components on the floor and stomping on them, slashing furniture, and ripping down window blinds.

A frustrating battle with our insurance company followed, but we finally prevailed, and were able to put our motorhome and our lives back together. Living well really is the best revenge.

What a difference a year makes! Back then, we spent the next week freezing our butts off in Indiana while repairs were made to our RV so we could leave. Now we’re in Florida, where a cold front is coming through, and temperatures are predicted to dip as low as 29 degrees in the next few days. So yes, we’ll be freezing our butts off again, but if that’s the worst that can happen, we can deal with it.

Our lives have gone on, and while we have put the burglary behind us, we still feel violated, and disgusted with a system that had let the creep out of prison early so he could prey on us and others. We don’t fear traveling in our RV, and we still dry camp frequently. Inside our motorhome, we feel secure, but Terry and I are both a little apprehensive when we return to our coach after dark, unless we’re parked in a campground we know.

We had a motion detector light installed at our door, and while we refuse to live in fear, we are not nearly as complacent as we had become. We realize that while what happened to us can happen to anyone, anywhere, at any time, the odds against the average RVer ever having such an experience are very, very slim.  We still feel that this is the greatest lifestyle in the world, and every new day is an adventure, whether we’re camping in the desert of Arizona and listening to the coyotes singing us to sleep, or parked under a palm tree in Florida enjoying a glass of freshly squeezed orange juice.

Thought For The Day – If you find yourself in a fair fight, your tactics are all wrong.

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He Ain’t Heavy, He’s My Kayak

Posted on November 16th, 2010 by by Administrator

Hey, give me a break! You try coming up with clever blog post headlines every day! It’s hard work! :)

After reading yesterday’s blog, some readers wanted to know if the new high back seat from Sea Eagle was any improvement for my bad back. Yes, after paddling 90 minutes on Saturday afternoon, I had no back pain at all, and felt great!

Somebody else wrote to ask why we keep deflating the kayak after paddling it, and then re-inflating it the next time we go out, and was it because the Sea Eagle PaddleSki was too heavy to carry inflated in our van. No, the boat only weighs about 40 pounds, and as this photo shows, I can easily drag it out of the water and stand it upright.

Nick holding boat upright

The problem is that our van is too tall for Terry and I to get it up there without using a ladder, and the inflated boat is over 14 feet long, so it won’t fit inside our van. Not counting the fact that our two hard kayaks are inside the van, as well as all of the newspapers we carry, and two Trek bicycles. It’s not all that much hassle to inflate and deflate the Sea Eagle, and it will be even less when I order the electric pump from Inflatable Boats 4 Less.

Yesterday morning, Dave Damon, who sells 303 products at RV rallies, came by to visit for a while, and we had a good time swapping lies. Then Terry and I had some running around to do, and drove down to Winter Haven, about 30 miles south of the Thousand Trails campground. 

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I have to be honest, I have never been enamored with Florida, but lately I have been thinking that with all of the water around here, and how much we love paddling and fishing, maybe we should switch our legal domicile to Florida. I could save some money on the cost of a resident fishing license over the much higher fees for a non-resident license. And getting back to Florida to renew our licenses would be easier than South Dakota, given our usual travel routes. 

There are three RV friendly states that seem to be home to most fulltime RVers – Texas, South Dakota, and Florida. There is an excellent mail forwarding service in Green Cove Springs, and the Good Sam Club has a mail forwarding service in Pensacola.

However, while talking to my car insurance company yesterday about another matter, I happened to mention changing domiciles, and was told that the higher cost of car and motorhome insurance in Florida would more than offset any savings on fishing licenses. We saved about a $1,000 a year on insurance when we switched from Texas to South Dakota, and I guess maybe we’ll stay right where we are.

Back at the motorhome, I had a long list of e-mails to answer, and an even longer list of forwarded junk, myths, and garbage that I just deleted without opening. I don’t mind a good joke now and then, and I’m guilty of forwarding one from time to time to a select group of twisted, sick people on my e-mail list.

But I really get tired of all of the stupid dire warnings of doom, the warm fuzzy stuff that is supposed to bring tears to my eyes, and the nonsense that anybody with half a brain cell could glance at and know is pure BS. I’m about to ban four or five folks from my inbox because they send me the same old junk over and over. I don’t need it, I don’t want it, and I don’t have time for it.

I also had an e-mail from a couple who have a fifteen year old gas powered Class C motorhome that they want to try fulltiming in this winter, before they spend big bucks on their dream rig. But they had heard from a couple of “experts” that “most” RV parks won’t let you in if your RV is more than 10 years old. These same experts had warned them that if they showed up anywhere in a rig that old, nobody would want to associate with them. They were worried that it was going to be a long, lonely winter.

I would be willing to bet that these “experts” are either RV salespeople trying to hustle them into a purchase, or else elitist jerks whom we could all do well without. For years we traveled in a 1976 homebuilt bus conversion, and we were never turned away anywhere we went, and we have never had a shortage of friendly neighbors in any campground from border to border and coast to coast.

Yes, there are a few RV “resorts” that have, and exercise, the ten year rule, but those are usually not the kind of places where I’d want to hang out anyway.  And as for being shunned due to the age of their RV, it just doesn’t happen most places. Sure, there is the occasional snob, just like anywhere in life. But overall, fulltime and extended travel RVers are some of the friendliest, most open and accepting people you’ll find anywhere. They don’t care what you drive, or what you do or did for a living. All they care about is if you’re friendly, if you have a couple of good campfire stories to tell, and if you want to ride along with them to the nearest buffet, or do you want them to ride with you!

Thought For The Day -  A friend knows the song in my heart and sings it to me when memory fails.

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Holidays And Heroes

Posted on November 14th, 2010 by by Administrator

I have to be honest, even though we have belonged to Thousand Trails for several years, I was in no hurry to come to the preserve here in Clermont, Florida. But we’ve been here a week now, and I think it’s fast becoming one of my favorite Thousand Trails/NACO campgrounds. Our site is great, they have all kinds of nice amenities, and we have run into several people we know since we’ve been here.

John and Sharon Mostollers, Gypsy Journal subscribers from Trout Run, Pennsylvania are parked near us, and yesterday John came by to tell me about a neat little restaurant that he thought we would enjoy, and we had a nice visit. 

A little later on, we had a late lunch at Santa Fe steakhouse with Dave and Jean Damon, fulltiming friends we know from the RV rally vendor circuit. We had a good time visiting, solving most of the problems of the world, and the food was pretty good too!

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My new Sea Eagle tall back kayak seat arrived on Friday from Inflatable Boats 4 Less, and back at the campground, Terry and I decided to end the day with a late afternoon paddle. The campground has a dock and boat launch on Lake Hancock, which is known for excellent largemouth bass fishing. And yes, the 4550 acre lake is also home to alligators, but if you are going to be on any freshwater lake or river in Florida, they are a fact of life. (As opposed to the sharks and barracuda in the salt water.) Here is a Google Earth view of the lake and the Thousand Trails campground.

Lake Hancock

The new seat is much better! We spent over an hour on the lake, until the sun started to drop behind the trees,  and my back didn’t hurt at all. I need to install a couple of D rings to position it properly for me, but Tim from Inflatable Boats 4 Less sent a kit with some extras with the boat, and they are easy to install.

The PaddleSki gets a lot of attention. A few people were fishing on the dock when we set it up, and they all watched the process, and commented on what a neat idea an inflatable boat is for RVers.

Back at the motorhome, I worked for a while on the seminar schedule for our Arizona Gypsy Gathering rally. I still have a lot of open time slots to fill, but as of now, seminar titles include Why Use Water Filters?, Gypsy Journal FAQs, Craft & Hobby Show and Tell, Fire Safety, What Insurance Do I Really Need As An RVer?, Insiders Guide To Get The Most From Your RV Service Center, Tips & Tidbits – Why Didn’t I Think Of That?, Accessories For Better Air Card Internet Access, RV Insurance – What Affects Your Rates, Starting A Business On The Road, For Women Only Roundtable, Illness Or Injury While Traveling – What Would You Do?, Transporting Firearms In Your RV, Laugh Your Way Across The USA, Geocaching, Yes You Can Drive That RV (For Ladies Only), The RVing Genealogist, Tire Pressure Monitoring Systems, Getting The Most Out Of Your Digital Camera, Testing Air Brakes, RV Safety Improvements For Him And Her, RVing Alaska, Swedish Weaving, Finding Your Satellite Signal, RV Weight Safety, Pros & Cons Of RV Extended Warranties, RV Quick Shades, RV Driving Tips & Techniques, Windshields – Repair or Replace?, Why Use Water Filters?, RV Tire Safety, Internet Genealogy, Preparing To Drive To Alaska, Boondocking Tips Roundtable, Kayaks & RVs, Care & Operation Of RV Awnings, and Computer Safety And Security For RVers. That’s 35 seminars so far, and we’ll have about 60 by the time we’re through!

My friend Brenda Speidel sent me some information about the Holiday Mail for Heroes campaign yesterday. The American Red Cross and Pitney Bowes have teamed up for the fourth year in a row to help brighten the holidays for our brave men and women in uniform. From now until December 10th, you can send holiday cards to service members, their families, and veterans all over the world. Anyone can send a card, or as many as you would like, to: Holiday Mail for Heroes, PO Box 5456, Capitol Heights, MD 20791-5456 and they will be delivered to military members. I still remember my first Christmas away from home, a young soldier in a very bad place, and the Christmas cards I got from an elderly lady in a nursing home, and a little girl from Oklahoma, sent out under a similar program. When you’re a kid far from home, it means a lot.

Speaking of the holidays, quite a few readers have taken advantage of our Holiday Subscription Special Offer. If you subscribe or renew your existing Gypsy Journal subscription for two years, we’ll also send a one year gift subscription ($20 value) to whoever you choose, with a note that it’s a gift from you. This applies to both printed subscriptions to U.S. addresses by Standard Rate mail, and digital subscriptions. Click the link above, and save money today!

Thought For The Day - An argument is like a country road, you never know where it is going to lead.

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A Short Travel Day

Posted on November 8th, 2010 by by Administrator

Yesterday was a short travel day for us. In fact, one of the shortest we’ve had in a very long time.

We enjoyed our time at The Great Outdoors in Titusville, Florida, and I took a photo of our Winnebago in Peter and Connie Bradish”s lot before I started unhooking our campground utilities in preparation for leaving.

Winnie at TGO 2

This is a very upscale RV resort, where you can buy your own very nicely groomed lot, and enjoy every amenity you could imagine.

TGO neighbors

TGO RVs

The resort has several small lakes, and I’m told the fishing in them is good, but I never got the opportunity to check that out.

TGO lake 3

The resort even has its own church! As you can see, most of the homeowners drive their golf carts everywhere, even to church!

TGO church 3

We left The Great Outdoors just after 10 a.m., traveled south to the next exit on Interstate 95, and took State Route 407 a short distance until it merged with State Toll Route 528, which took us west around the south side of the Orlando metropolitan area to Interstate 4. We traveled just a mile or two south on Interstate 4, exited onto U.S. Highway 192, then took it west a few miles to U.S. Highway 27, where we turned north a couple of miles to the Orlando Thousand Trails preserve. Peter Bradish had given us the directions, and they were perfect. 

Well, the directions Peter gave us were perfect. The directions we got from our GPS were not so perfect. We had entered the address of the Thousand Trails into our GPS, so we wouldn’t miss the turn into it, because somebody had told me that a condominium complex next door hid the sign until you were right on top of it. According to the GPS, we had over a mile to go, when I noticed the Thousand Trails sign, which was indeed hard to see. By then it was too late to make the turn.

U.S. 27 through here is a wide six lane divided highway, with designated left turn lanes. We drove a couple of miles, looking for a place to turn around, but I wasn’t sure that we could make a U-turn with the van in tow. I finally pulled into a left turn lane, and decided it would be too tight to make the U-turn, and the last thing I wanted to do was be jackknifed across three lanes of busy U.S. highway, even on a Sunday morning. There was a divided driveway leading into a housing subdivision on the far side of the road, and I told Terry I was going to pull into the subdivision instead, and we’d unhook the van from the tow bar and get pointed back in the right direction.

It wasn’t until we had pulled into the driveway that we discovered that it was a gated community. So there we were, with a locked gate in front of us, two cars that had pulled in behind us, and no place to turn around. Can you say “oh crap?”

Fortunately, the fellow in the first car gave us the gate code, we punched it in, and the gates swung open. I pulled in, parked along the curb, we unhooked the van, and got the heck out of there. A GPS is a handy tool, but never trust one completely.

We had never stayed at this Thousand Trails before, but I have to say that we’re impressed. The 255 acre campground has 850 full hookup RV sites, a swimming pool, activity center, and a 60 acre spring fed lake. The property also backs up to Lake Hancock, a large lake that is supposed to be home to some massive trophy bass.

TTN Orlando lake view

We choose a site on a corner at the end of a road, with some trees on one side of us, a pasture behind us, and the sites next to us and across the street are empty. Gee, no neighbors. Maybe I’ll just run around in my BVDs. No, Miss Terry says maybe I won’t.

Winnie at TTN Orlando 3

A sky writer was posting this message for us when we got into our RV site. Isn’t that nice? I love you too.

Loves U 2

Even with the unexpected detour caused by the GPS, we drove exactly 70 miles, and I was in the office at the Thousand Trails registering by noon. That’s a short travel day!

Once we were parked and hooked up, we drove down to the campground’s boat launch at Lake Hancock, to check things out. It was windy and chilly, but the weather is supposed to improve by mid-week, and getting out on the water is a priority for us. Our kayaks haven’t been wet in over a year, and we need to correct that.

TTN Orlando lake

I bet some whopper bass live in these lily pads!

TTN Orlando lily pads 2

The lake isn’t home to just big bass. I don’t think I’ll be dangling my toes in the water!

TTN Orlando alligator sign 2

Terry and I walked out on the floating dock, and we heard a loud thumping sound and a big splash of water in this little lagoon. Then several fish jumped. We didn’t see the gator, but we knew he was there.

TTN Lake lagoon 2

We’re looking forward to doing some relaxing here, getting some paddling in, and I may just buy me a fishing rod and a license, and see if I can tempt one of those big bass to bite!

Thought For The Day – A bargain is something you can’t use, at a price you can’t resist.

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It Takes Compromise

Posted on November 7th, 2010 by by Administrator

We’re leaving The Great Outdoors in Titusville, Florida today and are going to the Orlando Thousand Trails preserve, which is actually in Clermont. We owe a big thank you to our friends Peter and Connie Bradish for hosting us on their lot here for the last few days. We really appreciate your hospitality, dear friends.

We’ve had a nice time during our visit, and look forward to coming back here again one of these days. There is so much to see and do in this area that we could keep busy all winter long fishing, kayaking, touring the local attractions, and sampling the fare at the many area restaurants.

Though we sometimes find ourselves spending as much as two months in one place, especially when we visit our family in Arizona, we usually stay no more than a week or two in one location before we move on. Much longer than that, and I get bored and hitch itch sets in.

One complaint I hear frequently from fulltiming women is that their husbands are always in “go mode” and never want to slow down. I’m guilty of that myself all too often.

Sometimes Miss Terry has the need to settle in for a while, so she can do some serious cooking, get a shopping fix in, and just decompress. I think a lot of RVing couples are like us; the husband wants to be on the go all the time, and the wife needs to slow him down so her needs are met, too. It’s important to recognize each others’ needs, and to be willing to compromise so those needs get met. 

Once, while we were teaching at Life on Wheels, a wife told me that they never spent two nights in the same place. She said they drove over 500 miles, nonstop, to visit her sister in Maine. She said they arrived at 6 p.m., parked in the driveway, had dinner with her sister and her family, and at 7 a.m. the next morning they pulled out, because the husband was ready to go someplace else and see something new.

Another husband once bragged to us that they had been on the road for over a year, and had not spent one night in an RV park. It was always truck stops, WalMart parking lots, and roadside rest areas. He was having a ball and bragging about how much money he was saving. One look at his wife and you could see that she was miserable. Her idea of retirement was not seeing the world through a windshield, and living at Camp WalMart. I haven’t heard from either couple in a long time, but I wonder how long those relationships lasted in the fulltime RV lifestyle?

Of course, the flip side of the coin are the wives that “can’t be away from my grandbabies,” and insist that their travels never be too far away from wherever those young ones are. One fellow told us that he has always wanted to see Arizona, but never will, because his wife insists that they return to Illinois every few weeks, even in the winter, so she can see their grandchildren and keep track of what was happening in their adult daughters’ lives.

We have met more than one fulltiming woman who reluctantly gave in to their husbands’ desire to travel, but were damn sure going to make him pay a price for it. Nether the husband or wife was having a good time, and it was obvious in every case that they probably wouldn’t be on the road very long.

I’ve toyed with the idea of having a panel discussion at one of our rallies on Staying Married (And Happy) In An RV. What do you think?   

Thought For The Day – People will forget what you said. People will forget what you did. But people will never forget how you made them feel.

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