Zulu

Validated Members
  • Content count

    626
  • Joined

  • Last visited

About Zulu

  • Rank
    Major Contributor

Optional Fields

  • SKP#
    79313
  • Lifetime Member
    No

Contact Methods

  • Website URL
    http://www.rvSeniorMoments.com
  • ICQ
    0

Profile Information

  • Gender
    Male

Recent Profile Visitors

19,894 profile views
  1. You need to change your domicile thinking from "mail forwarding service" to what state (or rather what state county) offers a good health plan. While the Escapees mail service and the fact that Texas has no income tax used to be prime domicile considerations, these factors pale in comparison to heath care costs for those under 65. You'll have to ante up for your own health care for a decade. Currently, with the ACA you can use its SEP (Special Enrollment Period) to effectively RV to a better health plan. You can start looking here -- Where the PPOs Are. Keep in mind the data I collected was for the ACA's 2015/2016 plans, and a lot has changed since then. If possible, I'd seriously recommend postponing your retirement for at least a year to see how the "new" ACA shakes out. As of today, it's not looking good.
  2. I've been using Hopper 3 with a modified Winegard Travler for several months and all things considered it's working fine. Mostly. There have been a couple of issues, like the Crazy Ivan, but nothing that can't be worked around. Anyway, DISH is finally releasing the DPH42 switch which promises to make life easier for RVers who want to use a Hopper 3. Shoutout to Mark Bruss who told me that the DPH42 was finally available. Some Hopper 3 possibilities . . . Single Hopper 3 Dual Hopper 3s
  3. Our 2008 Wrangler isn't a parking lot queen, so we're not too concerned about stuff hanging off the front of it. We went with a Blue Ox tow bar.
  4. Yes. I used the Geo Method when I was part time RVing. Now that I full time I typically just dump our dishwater down the black tank and flush the tank 2 - 3 times with water before leaving the campground. Once in a while I'll dump some bleach into both gray and black tanks. When we part timed, we usually camped in state parks that had no sewer and water hookups. So the only way to flush the black tank with water was when we left the campground . . . in a long line with impatient campers who would have shot us if we just flushed and flushed and flushed our tank. Nothing wrong with the Geo Method, dishwater, bleach, just water, ice cubes, yadah, yadah, yadah. . . I waiting for someone to use electricity. Use what works for your situation.
  5. A number (but not a majority) of the last dozen or so campgrounds we've been in recently had good to very good WiFi. However, I also have to credit some of the success to our WiFiRanger equipment. The new CORE we started using is a step up from our old WiFiRanger Pro -- Here's some WiFi data on our current campground.
  6. Yes, I saw that. But is the insurance "portable" or in-state only? Hence my question.
  7. The Elephant in the room -- what are you doing for health care? Medicare? Military? Buying your own?
  8. . . there seems to be the 2 options in SD for healthcare - Avera and Sanford - BUT only one (I think it's Avera) is a PPO (I have not found out yet if these plans even cover when you are traveling across country or out of country) . . . I believe that the SD PPOs are only in-state PPOs which are useless for out-of-state travelers. AND I found out from an insurance agent up there that insurance companies will not use a mailbox as an address! Mmmmmm . . . so homeless people can't get health insurance? Here's the Online ACA Application Form. Check what it says on the form for "Home address" in "STEP 1 - Tell Use About Yourself". Unless your insurance agent has experience with full-time RVers (I'll bet I know the answer to this), then it may be time to say adios to your insurance agent. Check out the RVer Insurance Exchange. . . . we don't want to domicile in FL as we want to spend our time in SD and areas west of the Mississippi, and we are working on job ties (licenses) to SD. Unless you are flush with cash, since you have 8 more years paying for your own health insurance, you may have to readjust your thinking. Here's why . . . In-state PPOs are useless -- unless, of course, you don't leave the state. If that's the case, then a SD Avera plan should be hunky dory. On the other hand, if you do plan on traveling around the country, then FL is your only real option because it has an BCBS EPO plan that effectively functions as a nationwide PPO. Plus, soon there will probably be a new ACA in town (see coming attractions). Most people will say, "use a friend or family member's address!" Well, that is not fair to that person as then you become a "household member" and can screw up the household income status if you apply for a loan or student loan or financial aid. And it's also fraud. I want to use a digital mail service! This is another dilemma in TN. It's just crazy to try to figure this out. I'm trying to work with the system, but the system is not set up for fulltime RVers. I've got to get this figured out in the next couple of months because we will put the house on the market in late June or July and once it sells, I need to know what to use for an address. For either SD, FL, or TX, use the Escapee's Mail Service. It's tried and true.
  9. electrical

    "Surge Guard" is a brand name, so it can be confusing. When people talk about surge guards, they typically mean a device that checks for over/under pedestal voltages plus a device that checks for electrical faults (no ground, missing neutral, reverse polarity, etc). Here are the two major surge guard contenders. These devices won't allow over/under voltage and electrical faults into your RV: TRCI's 50A portable model (there are 30A versions as well as hard-wired versions) Progressive Industries EMS-PT50X In addition, there are autoformers (or voltage regulators) that can "boost" low campground voltage, a problem in many campgrounds especially in the summer when all the ACs are on.
  10. Maybe. Best bet is to contact your senators with your likes/dislikes about the current bill.
  11. I'm consolidating. Too difficult to maintain multiple forum postings: ObamaCare Repeal Act (HR 175) Overview
  12. Cat Lady, you don't know what you are talking about. You're on Medicare and your Blue Cross plan is probably a Supplement. OP is under 65 and will need to buy her own health insurance. Also, most current ACA plans only really cover the state of residence. While you may be able to use a plan in another state, you will probably have to pay out-of-network costs. These are typically 50% to 100% of the cost. ACA (aka Obamacare) premiums are based on the state/county you reside. However, if you don't earn much, you can qualify for a subsidy which lowers your premium cost. Here's a ACA subsidy calculator. To check out ACA plans across the country, use www.healthsherpa.com.
  13. Keep in mind that Becky Schade (aka Interstellar Orchard) is 31. OP is 43. This age difference may affect the on-the-road job you can do (older = less physical), but it certainly has an impact on what you pay for health insurance. Here's a quote from Becky's blog: My Avera 5000 Bronze level plan (what I had for this year) is still available next year, and after checking the details I decided to renew it. The out-of-pocket cap for this plan is a lower amount than my emergency fund, it’s the second cheapest option for South Dakota. At 32 years of age, with an expected 2017 income of $22,000, I’ll be paying $18 a month for this plan. Yes, you read it right, $18. There’s been an increase in insurance rates for 2017, my plan rose by about 20% (without the subsidy it would be about $360 a month, ouch!), but the government subsidy increased too to more than cover the difference (I paid $52 per month in 2016, my last year with a high deductible plan in 2014 was about $60).
  14. Far more common than the unleashed dog, is the "meet and greet" dog owner who insists on introducing their dog to yours. This can be problematic for a couple of reasons -- first, my dog, a golden retriever, will make a beeline for the dog owner (not the owner's dog) which usually results in tangled leashes, etc. Also, in AZ, our domicile, a bacterial infection is infecting dogs, so meet & greets could become potentially bad for a dog's health.
  15. A colossal understatement. So you'll have no guaranteed source of income, $50k or so in savings + sale of house money (let's say $250k), and you'll have to buy your own health care for at least 22 years. Let's do some math . . . Currently, the average cost for individual health insurance premiums is $393 per month. Remember, this is just the cost of the insurance premium, not any deductibles, balanced billing, prescription drug, or other out-of-pocket costs. Let's figure a modest 5% increase in premium cost per year. By my calculations, health insurance premium cost over 22 years would total about $182k. So over 60% of your estimated $300k savings would be spent on just health insurance premiums. Health insurance will not be a big cost. It will be the big cost. But, hey, maybe Washington will create a great, affordable health care system. However, if I were you, I'd continue working until this all shakes out.