96 months. WTF is wrong with people?
That's a rhetorical question, in case anyone was about to answer.
That's a rhetorical question, in case anyone was about to answer.
Toshi's thread
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<draws 4 boxes on a sheet of paper>96 months. WTF is wrong with people?
That's a rhetorical question, in case anyone was about to answer.
"Let's not worry your pretty little head about the total price or interest rate. How much are you lookin' to spend per month?"
96 months. WTF is wrong with people?
That's a rhetorical question, in case anyone was about to answer.
Because people who struggle to make their trailer payments need a fancy pick'em-up to tow their $30k side-by-side.
Thus my inflammatory thread on NASIOC:
A thread about making ends meet - NASIOC
A thread about making ends meet Off-Topic
forums.nasioc.com
Travel trailers and 5th wheels are actually pretty cheap, though. That Class Cs cost so much more is a bit perplexing to me as E-450 gas chassis aren’t that expensive on their own.
Example, of a huge-ass 5th wheel:
Heritage Glen 356QB | Forest River RV - Manufacturer of Travel Trailers - Fifth Wheels - Tent Campers - Motorhomes
Wildwood Heritage Glen Travel Trailers and Fifth Wheels With everything from the look of the professionally designed fabrics to the attention to detail in the well crafted crown molding slide out fascia, Wildwood Heritage Glen has left nothing out when it comes to quality.
forestriverinc.com
This runs low $60s new, it appears, for what’s basically a nice hotel suite on wheels.
Hitch Weight:
1790 lb.
UVW
11249 lb.
CCC
2541 lb.
Exterior Length:
42' 3"
Yar, thar a big un. 2,193 lbs pin weight at max GVWR. Dually territory.
That's because they are basically really shittily constructed mobile homes. And that's saying something, because mobile homes are generally really shittily constructed.
What a fucking nightmare...
True. Better fixing all the issues be left to a rental company, I figure. Too bad one can’t rent that kind of over the top setup.That's because they are basically really shittily constructed mobile homes. And that's saying something, because mobile homes are generally really shittily constructed.
What a fucking nightmare...
Which is pretty much what I was about to post. It doesn't matter how big or expensive most of these things are, they're still held together with staples and shitty glue. Our truck camper wasn't cheap, but we didn't want to deal with crap build quality.That's because they are basically really shittily constructed mobile homes. And that's saying something, because mobile homes are generally really shittily constructed.
What a fucking nightmare...
Looks fancy with shitty build quality - I think you need to "invest".
I canceled the preorder and got refunded today. So technically Watz wasn't correct--it wasn't returned as it never shipped!
No reason to have an electric cargo bike to shuttle kids to school if they're not physically going to school. And they aren't: DPS has a 100% remote track and we have elected for that since we don't need school-as-childcare due to my wife being a stay at home parent.
Pivot's turnaround time was awesome on my frame replacement!
Dropped off bike at GBS on July 15. They contacted Pivot, and thanks to a RA already open from last fall all ducks were already in a row. Pivot cross-shipped out a frame, and it's back in one piece and ready for pickup as of today, July 28!
:notbadobama:
I shall "ride" it Sat AM if anyone's game.
Dropped off bike at GBS on July 15. They contacted Pivot, and thanks to a RA already open from last fall all ducks were already in a row. Pivot cross-shipped out a frame, and it's back in one piece and ready for pickup as of today, July 28!
:notbadobama:
I shall "ride" it Sat AM if anyone's game.
I thought this was relevant to your point re: overspending vs. poverty (not sure how accurate it is but I found it on the internet so it's got to be true...)
My mom (has) earned more in her retirement (Hopkins Pension, SS and interest off $200K in 401K) than our household *until recently now that we're back to 1.5 wage earners* but that likely speaks more to the poverty wages of MT and our own disinclination to work for the "man" re: time vs. money but still I'm jealous of her sweet, sweet pension $$$
I wonder if these would be built better:
HQ19 - Travel Trailers - Black Series
With advanced design and quality build, Black Series' camper trailers can take you on a grand adventure. Explore our HQ19 travel trailer here.
www.blackseriescamper.com
Still silly. Fun to dream, though.
We glanced in them at an RV show at the Western Center last year, I don't remember though.
The aluminum/Airstream and fiberglass ones seem like quirky alternate options. Cottage industries!
casitatraveltrailers.com
No bathroom in this layout and a double bed, but two sets of bunks + that double bed, and a tiny kitchen!
Heritage
THE CASITA 17' Heritage Model Previous Next Perfect for Families on the Go The Casita Heritage is an ideal option for larger families or first-time family campers. The deluxe version features a bathroom and shower, sleeping accommodations for four people, and a dinette that seats four with its...
casitatraveltrailers.com
No bathroom in this layout and a double bed, but two sets of bunks + that double bed, and a tiny kitchen!
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Back it is. Dropper is reluctant to extend. Will ignore this as long as possible.
Edit: was due to the housing bunching up inside the frame. Cycling the whole post up and down in the seat collar and getting the housing to pooch out in front of my bars fixed this, and now the dropper is back to its usual only somewhat recalcitrant behavior. It'll need a rebuild at some point.
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Clean your lens
The iPhone camera does seem very prone to that artifact.
Yikes.Ever dreamed of buying a Honda assembled by an accountant?
I can appreciate the bind they are in, probably like a lot of other manufacturers of any sort (like my rid egg), but Christ Almighty does that seem like setting yourself up for quality control issues in the future. I guess it depends on how you apply Bob from HR, but dude........
So now that I'm down to one car note and one mortgage the math is startlingly clear.
Mortgage: $510k as refinanced (still pending closing date, now mid-August!), 2.625%, 15 years remaining
Car note: about $30k principal left as of Jan 2021 when it'll have 3 years left, 2.99%
Hypothetically putting $4k/mo x 6 mo towards either of these, duration chosen so as to end prior to paying off the car note outright.
Those extra payments on the mortgage starting in Jan 2021 per modeling (just for convenience to match the auto loan model) would result in a savings of $10,641 in interest ultimately.
Those extra payments on the auto note would save $1,131 in interest.
I still find this very non-intuitive, the interplay between rate, term, and principal balance. 44% interest savings relative to extra money put in for the mortgage prepay vs 4.7% for that scenario with auto prepay!
201 Zephyr Way #2406, Winter Park, CO 80482 | MLS #20-1055 | Zillow
For sale: $619,000. Own at the resort!! This 2 bedroom, completely furnished condo, with updated stainless steel appliances is ready for you or renters! Skiing and shopping are right outside the building. The adventure of skiing, hiking, biking or just relaxing with friends and family is what...
www.zillow.com
$954/mo HOA at Zephyr. Oof.
neighbor down the street tows a Mantis trailer:
TAXA Mantis Trailer | Pop-Up Roof | Sleeps 4 Adults
Our largest travel habitat for camping, the Mantis camper, comes with a kitchen, bathroom, and pop-up roof. Store it in your garage. See it in person today!taxaoutdoors.com
2,882 lbs dry, 3,970 lbs gross, 440 lbs tongue weight unladen so 606 at max.
Mantis layout:
That's a 80 x 54" double bed in the rear, a 77 x 26" bottom bunk and 76 x 22" top bunk up front, and provisions to mount a rooftop tent in the aft section, between the popup portion's rails, where the oddly super long bike tray is on this pictured unit. (Nice Grand Wagoneer, for the record.)
For that they want $50k. It seems like it's in between a popup camper and a "true" camper yet is priced higher than the latter. I get that the regular ones are very poorly built, but that just seems a bit crazy.
Then again, the neighbor up the street with the million dollar home and the Mantis shows there's a market. I think this is the home of said neighbor in question judging from where I've seen the Atlas, LR4, and Mantis on occasion:
8055 E Prairie Meadow Dr, Denver, CO 80238 | Zillow
Zestimate® Home Value: $1,272,989. Stunning! Wow! A home for grand entertaining and everyday living. An almost new build Infinity HAUS 3 with the professional landscaping and roller shade window treatments installed. Just move in and enjoy. Dramatic scale throughout. Two story great room. Floor...
www.zillow.com
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Here’s the place we are renting:
The rentier is a local in our neighborhood so we got a few % off the bill.
2,241 sq ft on a 1,176 ft lot, so no land. It’s an end unit townhome. 4 bdr, 5 (!) baths, private hot tub, two one-car garage slips.
Very noisy forced air heat, no AC, nice finishes, high ceilings, weird narrow layout. Shuttle route to WP would involve a bit of a walk so a drive in/out place really. No local amenities.
It sold as new construction in Jan 2020 for $815,552, with a $220/mo HOA.
A few years down the road (if no NZ and after paring down debts some more) then we may well get a place up here. It won’t be a place like this, though: if we spend this much it’ll be for on the mountain, and if just a place in Fraser from which we’d drive in in the morning then it’d be smaller and cheaper.
The rentier is a local in our neighborhood so we got a few % off the bill.
2,241 sq ft on a 1,176 ft lot, so no land. It’s an end unit townhome. 4 bdr, 5 (!) baths, private hot tub, two one-car garage slips.
Very noisy forced air heat, no AC, nice finishes, high ceilings, weird narrow layout. Shuttle route to WP would involve a bit of a walk so a drive in/out place really. No local amenities.
It sold as new construction in Jan 2020 for $815,552, with a $220/mo HOA.
A few years down the road (if no NZ and after paring down debts some more) then we may well get a place up here. It won’t be a place like this, though: if we spend this much it’ll be for on the mountain, and if just a place in Fraser from which we’d drive in in the morning then it’d be smaller and cheaper.
You all will be pleased to note that my loan balances have been reduced to just under $669,000 as of today. Down nearly $100k over a few months, aided by selling the Tesla, of course.
Refi with the 0.27 pt lender credit restored is set for closing this Friday. Notary is coming to the house. Final net closing costs will be on the order of $900. Edit: make that $232.50 net closing costs!
Refi with the 0.27 pt lender credit restored is set for closing this Friday. Notary is coming to the house. Final net closing costs will be on the order of $900. Edit: make that $232.50 net closing costs!
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If they have the proper and necessary procedures, work instructions, poka-yoke, quality checks etc etc it really shouldn't matter who is on the line assembling or operating the machines.
Then again lets ask FCA how Friday after noon beers affected their quality....
Perhaps a blip in operations execution but I can see great advantages to having a bunch of white collar workers get first hand experience on the factory floor.
Upon driving by the neighbor's house, the one that occasionally has their Mantis and VW Atlas out front when loading up, I was surprised to see a new vehicle and trailer out front instead. Visiting relatives? Either that, or the dude has more automotive ADD than even me.
That's a Mercedes GLE and a Rockwood Mini Lite. To be more specific, it's a 2507S floorplan judging from the location of the single slide and exterior storage. I think it was a GLE 350, too.
Rockwood Mini Lite 2507S:
25' 11"
5,471 lbs UVW, with 625 lbs tongue weight
1,314 CCC, so 6,785 lb GVWR and 775 lbs fully laden
Mercedes-Benz GLE 350:
1,631 lbs payload
6,600 lbs towing capacity
117.9" wheelbase
4,696 lbs curb weight
it could also be a 450 or 580
Mercedes-Benz GLE 450, with the 580 very similar and not fully specified
1,632 lbs payload
7,700 lbs towing capacity
117.9" wheelbase
4,991 lbs curb weight
So with either a 350 or a 450 then there'd be just over 850 lbs remaining payload for passengers and car-cargo. Seems to be cutting it a bit close, although that turbo straight 6 would probably be a great engine. By the old wheelbase rule they should stick to a 22' trailer, too.
Tornado bait
Suburban drivers can't drive.
Time to do some math wrt HOA cost vs mortgage per month.
Probably easiest to map per month HOA fees to amount of principal at 15 and 30 year terms. We will assume 4% rates since non-primary residence, and the same rate for 30 and 15 year because I'm lazy.
$220/mo:
For a 30 year 4% note that'd equate to roughly $46,000 principal ($219.61/mo). For a 15 year @ 4% that'd be about $29,750 principal ($220.06/mo).
$954/mo:
30 yr @ 4% == $200,000 ($954.83/mo). 15 yr @ 4% == $129,000 ($954.20/mo).
My takeaways from this: to achieve monthly price parity one must add the above amounts of principal onto the nominal price of one of these places to compare them fairly. So for the two in question @ 30 years that'd be $815k + $46k vs $619k + $200k (!). Much closer than it'd seem from the listing prices alone.
Some listings of interest:
On mountain, 2 bedroom. Bought in 2007 for $545k. They listed at $619k last year and ultimately sold in March 2020 for $585k. So the price floor for similar units will be lower than that as that was basically pre-COVID. They list the HOA fee as $440/mo, which may reflect 2 vs 3 bedroom units?
This one I quite like:
(it's the orange one)
www.zillow.com
Note the price history: listed at $785k in May 2020, and now down to $735k asking. Still seems overpriced given the details (kitchen quality, self rimming sinks, etc.). I'll definitely follow up on it and see what it ultimately goes for.
$89/mo HOA and $239/mo property taxes are quite ok, and overall it's very attractive in a Highlands Ranch-ish manner, IMO. 9 miles/under 30 min drive to Winter Park Resort from Tabernash itself--Google Maps can't map any of these newfangled developments yet.
On mountain, 2 bedroom. Bought in 2007 for $545k. They listed at $619k last year and ultimately sold in March 2020 for $585k. So the price floor for similar units will be lower than that as that was basically pre-COVID. They list the HOA fee as $440/mo, which may reflect 2 vs 3 bedroom units?
This one I quite like:
(it's the orange one)
402 Gcr 514/lupine Ln, Tabernash, CO 80478 | MLS #20-526 | Zillow
For sale: $735,000. This Furnished 4-Bedroom Home, which Sleeps 12 Comfortably, is Now Priced to Sell! Deck & Spacious Patio Situated Next to Pole Creek with Mountains on the Horizon! Two Master Suites, Two Living Areas, Custom Touches Throughout & Views to Brag About! Watch 3-D Virtual Tour!
www.zillow.com
Note the price history: listed at $785k in May 2020, and now down to $735k asking. Still seems overpriced given the details (kitchen quality, self rimming sinks, etc.). I'll definitely follow up on it and see what it ultimately goes for.
$89/mo HOA and $239/mo property taxes are quite ok, and overall it's very attractive in a Highlands Ranch-ish manner, IMO. 9 miles/under 30 min drive to Winter Park Resort from Tabernash itself--Google Maps can't map any of these newfangled developments yet.
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