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JimK

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  1. JimK

    safety of Walmart

    OK, can anyone name a single Walmart Supercenter that prohibits overnight RVs when there is no local ordinance?
  2. JimK

    safety of Walmart

    I just took a 15,000 mile, 4 month trip visiting a large number of States. I have made numerous similar trips in the past and I had an initial RV period of full time travel for 2 years. I very, very rarely stay at RV parks so when actually traveling which is frequently, I look for Walmart Supercenters. At this point I would guess I have stayed at least 200 nights in Walmart parking lots in almost every State. I have never had any security/safety issues. Not once! Some lots have visible 24 hour security. Most just have cameras. Lighting is excellent. At Supercenters there are employees and customers coming and going 24 hours a day. At most with all those stops I have seen maybe 2 panhandlers, not counting the recent annoyances from the approved Salvation Army volunteers. A couple of times I have encountered noise conditions usually from a nearby highway. As to Newnan, I have never visited but would not be hesitant at all. City Data has excellent information and it does not appear at all like a ghetto area. In fact according to the CD data, crime is lower than the US average. Again that makes little difference with the security and lighting provided. Certainly an RV park in that area would be no safer. I do have a couple of recommendations for picking any Walmart parking lot. First make sure it is a 24 hour Supercenter. Second have a backup plan. I have skipped a couple of stays due to construction or semis parking and idling all night long. Once in a long while you will find lots that are posted as no overnight parking. You may want to stay anyway or move on. I have usually stayed. The no overnight parking is not a Walmart policy, but some local ordinance. The police do not patrol private parking lots and have no rights to do so. They can only become involved if there is a disturbance or Walmart asks for help. Nor can the local manager decide to prohibit overnight parking. Walmart has a strict corporate policy to welcome RVs and anyone else needing to stay overnight. The only change to this policy is prohibiting semi trucks. In some areas dozens of semi trucks staying overnight created problems. In any case, backup planning should not be an issue. There are several other Walmart Supercenters fairly close. In addition there are some nearby truck stops where you could stay.
  3. JimK

    Quartzsite speed trap

    I just drove through Quartzsite for the first time a few weeks ago. I could not wait to get out of there. What a depressing place. Fortunately I keep to the speed limit.
  4. Forget Cruise America and the other outfits that rent or sell and rebuy large RVs. That does not seem to be what you are looking for. Instead check out the webpages for JUCY. These are small converted SUVs that you can rent or buy used and sell back. You can easily stay in National Parks and other campgrounds and also visit cities and stay in motels. Costs will be a fraction of what a larger RV would cost. Of course, you do need to suffer some inconveniences including climbing a small ladder.
  5. Don't worry about any residual antifreeze. After you drain the lines and tank, it will be time to sanitize with a load of bleach. I don't have any issues with either antifreeze or bleach residue. My tank drains to virtually empty and then I refill and drain at least once, often twice.
  6. I find this policy makes perfect sense. The insurance policy is designed to provide repairs for the original equipment, not modifications that might not have been done properly or might not be suitable. If the unit has been extensively modified then I can see why insurance would not be suitable for either party.
  7. JimK

    radiant heat for floors

    Some posters seem to be shooting down this idea. There is probably a good way to make this work with modern, high efficiency solar panels. I can see pulling a trailer with say 20 or 30 panels, then set them up in a vacant field and perhaps if the sun shine is strong enough that might help with heating an RV. I also think questions like this can cause us to consider the old idea that there is no such thing as a stupid question.
  8. JimK

    How long should batteries last

    Bingo. If you fully charge the battery, disconnect charging and allow the battery to set with no draw or charging you should have a voltage of about 12.9 at about 70 degrees. When the temperature drops you will see a decrease in voltage, again with no charging or no draw. Then if you actually do draw some AHs from the battery and go to fully recharge you will enter true insanity. Let us say you pull 20 AH from a 100 AH battery. It would make sense that you merely recharge by that amount. NO.... The battery will not be at full capacity. Instead you need to overcharge the battery. After you have replaced the 20 AH you need to continue charging at 14.3 v until the battery will maintain that voltage with about 1 amp of applied charging. That can take several hours. It the process is interrupted, you will virtually need to start over on that several hour process. At that point you can switch to float charging by maintaining 13.3 volts. The "overcharging" is not something you need to do everyday especially for a battery which is barely used. It should be done at least every couple of weeks. Depending on the battery design you may also improve life if you do an equalization charge cycle every few weeks or months. You need to check with the manufacturer for the exact specs as there are some differences especially between AGM and non AGM battery types. Batteries are not efficient when it comes to pulling out AHs and replacing those AHs.
  9. Replace the igniter. You don't want to know there was nothing wrong with the board, but your problem will end.
  10. The past two years have been rare exceptions. Last year we made a reservation for an RV park so we were sure of a place when attending my daughter's wedding. This year I also made a reservation. This year I wanted to stay in the Arches NP campground. To get in means taking chances on a cancellation or making a reservation 6 months in advance on the day the reservations open. I got the last open site for the last 4 days of October. Now it is November and the reservation system has ended and I can stay longer.
  11. Absolutely not. As pointed out by another forum member, I made no mention of your lack of education or lack of ability to learn. I certainly did not mention gender. What is apparent is that you are just throwing opinions about the 4% rule and have never researched it. Here is a quick summary. The 4% rule is based on historical, Monte Carlo projections and other research. The 4% rule allows an inflation adjusted 4% withdrawal each year with a high probability that the nest egg will last for 30 years. In order for the rule to work, the annual returns on the portfolio need to be 2% plus the rate of inflation. That is a sort of worthless number because returns are likely to vary considerably each year. The Firecalc internet site provides a powerful tool for accessing outcomes for different time periods, different withdrawal rates and different investment allocations. Firecalc projections also indicate that the stock allocations in the 30-70% range are advised. With lower allocations, the risk of running out of money increases substantially. Over 70% does not increase the safety and means hoping for higher returns with higher volatility.
  12. As pointed out in the article, the 4% SWR is a guide that is especially useful when planning and at the start of retirement. Because the 4% rule is designed to be safe, it is indeed often the case that portfolio performance is better and additional amounts can be withdrawn. Also a great many people do not understand the 4% rule and do not apply it correctly. I don't understand why the Motley article did not mention there are well researched and easy to use tools for adjusting withdrawals as needed later in retirement. I would guess they are trying to pretend that they have some special knowledge of this issue.
  13. You can argue but it might make more sense to spend a few minutes online and learn about the 4% rule and how to use it.
  14. The 4% rule predicts $60K adjusted for inflation. A flat $50k is not going to be worth much 30 years from now. In fact based on historical averages it will be worth about $15k in today's dollars.
  15. Wrong. The 4% rule is designed to last 30 years before depletion of the portfolio. It also requires a minimum of about 40% invested in stocks.
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