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My wife's husband went to the nursing home and became a ward of the State of Illinois after they spend her down. This was 17 years ago and he was 66. She was left with a portion of their saving and their Mobile Home plus a small pension from her husband. Five years later I found out these happening that can occur. I feel, my planning had error-ed. Rather than me taking a pension, I took a lump sum. Had her husband took a lump sum when he retired my wife would not have the small pension today. I don't how the ruling presently in place but when a retirement does occur, the pro & con's of LUMP SUM cash out needs to considered. As far as long term care insurance, what is your illnesses and what state are you be spend your last days. A good topic and the article tends to indicate big differences between states. Clay

Regarding your Storage Facility, You need security or protection from someone stealing your Catalytic Convertor. A live on the property with DOGS would my choice or pay the price for a camp site for your short term. Clay

The dirty helper is running the camera. Clay

I like it. The true cost ??? when you tie everything down for for Hurricanes, Winds and Earth quakes. I had a house built with ICF (insulated Concrete Forms). It was the ICF construction from the basement footer to the roof truss. I was quiet and efficient heating and cooling. I was not quiet for an earth quakes in Southern Illinois. Would I do it again, yes in part. Definitely the basement but maybe only half the walls for the main level. Wood is less forgiving than concrete if you want to make a change. With the price of oil going up, the ICF blocks may not be affordable and wood products should be more stable in price. Clay

Welcome to the Forum. You asked about MDT and HDT. HDT is the truck that that commonly makes up the 18 wheeler. The truck its self commonly has 10 tires but a rear my be removed for RV pulling. The truck alone in not a Semi. These are Class 7, 8 & 9 MDT, can be a smaller versus of Heavy Duty or a beefed up light duty truck. These are class 4, 5 & 6 like Ford F450-650 or Ram, GMC 4500-6500. The basic difference between classes is the weight one can haul and BRAKES. Many trucks can pull a load but stopping????? Based on your location I'm sure your familiar with having adequate brakes and protecting them on the long grades. Clay

This article caught my eye cause my eye and it has always been hang-ups about going to the grocery store. Unit pricing is the way I way shop. It use to be the bigger package was cheaper per unit but that changed years ago. Some items in the stores now are cheaper in the smaller package. I think it was pickles last week, I could buy two 24 oz (1.5 Pint) jars cheaper than one 48 oz (1.5 qt). When was the last time you have seem a 3 pound can of coffee. I think the 39 oz size is now also gone. My wife will be happy when bread gets back to the ONE POUND LOAF https://minnesota.cbslocal.com/2021/10/04/smaller-products-rising-prices-shrinkflation-hitting-grocery-store-shelves/ Clay

Ditto We started with a tent and going to a 14 foot TT (TAB 400 appears to be 18 feet), it was paradise. Ice Box, Gas light, Fresh water 20 Gal with hand pump, would sleep 6 if 3 were younger, 2 burner stove and oven and restroom was down a path.. Almost 50 years later, I can't Imagine 2 people livings full time in less 25 feet. My must have list requires even more space in bad weather. Clay Pulling a 40 foot Fifth Wheel

Ditto and this side trip gives a a chance to drive through the BIG BEND area and plan future trips. Clay

Interesting reading. If the majority of Escapee registered voters are republicans than leaves a lot counties across the land, void of republicans so democrats win. No big deal in my book, there is counties all around the states that always one way. Polk county is one and Cook county IL is another. Personally, I could use my daughter's address but she has moved several times landing a different county each time.. I like the stability of Polk County as my Domicile. My will is filed in Polk county as doing other business with in Livingston is a pleasure. Clay

Not to disagree but I assumed the timer having open contacts at rest and closed contact(s) when the timer is counting down the time interval. Wiring in parallel gives you the either switch will engage the heater, where as using series contacts would give heat only when the timer is running. and power switch is on. #1 advantage of Series contacts is your water will only be heated on your command of the timer. My #1 advantage of Parallel contacts is if the outside temperature is below freezing you may need to have the water heated all night (and especially if you have wind hitting that side the RV) Clay

If the the timer contacts is installed in parallel to the control panel ON-OFF that would be low voltage for the control board. Are you using a mechanical timer or if looking at programable timer make sure the contacts are isolated from the supplied power. Clay

Not on the HDT side but I had my daughters learnto drive a manual before I would allow them to get their drivers license. 30+ years later they still prefer the manual shift. Clay

I like Menards and have been shopper for more 30 years. Second choice is Lowes but I do but do buy paint at Home Depot. On select items I'm a Brand name person so that often determines where I visit. One thing I always check at Menard's is their frozen food, It seems occasionally they have more than pizza at a real tasty bargain. Clay Presently Northern IL

With all the in & outs I still support traveling with RV is the best way to attack the Bucket List.. And safest with the pandemic. Clay.

We had a 2 year old daughter with serious hearing lost but no one could get a accurate hearing test. When she was three, we were referred to a well know audiologist in Denver. Mrs Downs got her into two hearing aids with in a year but a lot a drives from SW Colo. Yes on the as needed. Energy can not be created but converted. I can figure how many BTU of Natural Gas to get One KWH of electric to your home but what is the rate of use in 4-5 passenger EV at 60 MPH? (Kilo-watts per hour) Clay 33 years full time in Electric Utilities

I believe in Electric vehicles but I think they are like the CB radio they have a place. Hybrid, which includes Plug-in Hybrid, are here to stay and the future. I Can't imagine getting off work on a Thursday afternoon and driving 250-400 miles for a Doctors appointment when the temperatures are below zero F in all Electric vehicle. I fully agree the combustion engine of today is not the combustion engine we had 70 years ago and will not be the same in future Hybrid. Clay

Who are you buying from and will you receive any service records. I have a 2015 Sports Chassis which was built in the spring of 2014 with the Cummins 8.9L engine. About 20,000 miles,the catalytic material failed like in the similar ages of Dodge Cummins powered pickups. Another warranty repair was replacement of the EGR cooler which was replaced with old design cooler which didn't last long. but everything now has been going fine. If possible verify the engine software updates are current, The biggest factor Darryl addressed "Power" the automatic transmission is 6 speed is limited in getting a good match to RPM. I'm pulling 20,000# and glad I have the MDT. Your profile picture shows what appears to be a HDT Volvo. I looked at a HDT once but wife vetoed that very quickly when she tried to climb in. Clay

After another auto restart I figured out that it was indeed Windows updates. Somewhere the computer had loaded a batch of games which reloaded each time the computer restarted. I deleted them from the restart and everything advanced OK and now working OK. Yes my wife plays computer games on her tablet only from her recliner.

My wife's computer (HP maybe 5 years old) is slow this morning which happens on updates. This computer is to tell us when an update is available, but not this morning. She was typing an Email (AOL acct) when the computer instantly display the blue screen with the works RESTARTING DO NOT TURN OFF. About a hour later the blue screen said UPDATING_____________________% DO NOT TURN OFF. Maybe 30 minutes later, The blue screen says, WE COULDN'T COMPLETE THE UPDATES UNDOING CHANGES DON'T TURN OFF YOUR COMPUTER. After 30 minutes of that RESTARTING. and then maybe 5 minutes later WE COULDN'T COMPLETE THE UPDATES UNDOING CHANGES DON'T TURN OFF YOUR COMPUTER. and still doing it Any Ideas what has happened. Clay

For a chance, for another 500 points, did the valve stem get pulled off the Right Front Tire? Note the extra large spot at wheel's 3 o.clock Clay I have sent the news agency an Email asking if more pictures and details are available

Here is another link to the same wreck. I would say GlennWest's link picture shown the ready for towing. No idea idea on the shade of the RV https://clarksvillenow.com/local/traffic-alert-i-24-w-completely-closed-at-exit-11-due-to-overturned-semi/ Clay

I can't imagine what else was involved. Could it been been a guard-rail? Scary. Clay

I like others have subscribed for many magazines in the past plus a newspaper. Now I read news online. I receive America's 1st Freedom (NRA) as only regularly received subscription which I keep in the car to read when waiting. Also and more often, since the Covid-19 caused for removal of magazines from waiting rooms, I buying hobby magazines off the rack. Clay

I received my planks and the Ginger Shawn are a perfect match. I going to wait to use them based on SuiteSucess comments are about hot temperature. Clay

My Cancer Center, at Rockford IL, no longer takes your temperature when you enter the door. Other wise things remain the same. Conversations are a little more grim with anti-vacine people till working many critical medical jobs. Continued wearing a mask is needed as one fellow had lost 3 family members and a best friend due to the Covid-19. My wife medical issues are presently slowed down because many doctor are taking extended family vacations. Clay