Archive for December, 2008
In my area we are in a shortage of rental property with a boom expected in the area of oilfield workers etc. I thought I should try to capitalize some land that I have but not sure how to start. I know I need electricty, water and septic since sewer is not available. Any suggestions?
here's a suggestion: GET A REALTOR, ASAP! they should be able to tell you where you need to go/who to talk to in order to get started with this project.
you'd have to apply & be approved thru city hall & the planning commission for this project. the land may not even be zoned to do this. check with the appropriate local authorities.
good luck!
House will prob. be declared a total loss…what does that mean? If declared that term will the dwelling coverage of the insurance be paid out to the max as well as the contents? There also is a loss of use amount on my insurance policy, will that be paid out to me in full/I have to pay first and then get reimbursed. Not much can be done since the electric can't even be turned on till next month and many homes have a do not occupy sign posted…IT won't be a quick fix. CAn an upcoming purchase of a rv/5th wheel travel trailer be placed under a loss of use claim since living in a 1 room hotel is just difficult w/ a family? Will the insurance company make offers on total loss in terms of what will be paid out or is it an auto max payment of what the dwelling covers? Or does it go beyond the dwelling coverage if the fair market value is used since repairing it into what it used to be exceeds the dwelling coverage amount? thank you
When I had my total loss….
Allstate set an amount for me to rent a place (just like what I owned) and they gave that to me each month - and I had the option to rent a smaller place & pocket the rest (loss of use)
Dwelling should be rebuild exactly as it was minus you paying your deductible…if you had replacement cost.
If you had Actual Cash Value - they might cut you a check for the worth of your home - with depreciation….
Contents - They will cut a check…with depreciation for all the contents you can list/remember
and if you have replacement cost - as you replace the items & send in the receipts…they will reimburse you the different to pay your full replacement cost.
Good luck…remembering everything I owned was the biggest challenge!!! But you have 3 years to finish out your claim
we want to buy a existing rv park in the future, must we wait till we find the exact park we want to buy before creating a business plan for a sba loan?
As someone who used to work for an SBDC ( http://www.sba.gov/sbdc/ ) let me tell you what you should do, if I may. Write what you can now and then fill in the rest when you know which park you want.
Your B-Plan will consist roughly of the following sections:
1 - Executive Summary
—–
2 - Introduction
>>>Business Desription
>>>Business HIstory
>>>Future Plans and Goals for 3 years
—–
3 - Marketing
>>>Major Goals and Objectives
>>>Products/Services
>>>Target Market
>>>Place of Business
>>>Price Information
>>>Promotion
>>>Competition
~~~Begin writing the sections that you now have the ability to write. Even though you do not have an exact park, things such as prices, promo, target market can be researched and desrciptions can be written. If you know a general area where you would like to purchase, begin compiling a list of all RV parks, their websites and research on each one.
—–
4 - Management
>>>Goals and Objectives
>>>Personnel
>>>Oranizational Structure
>>>Human Resources Management
>>>Policies
>>>Insurance
>>>Legal
~~~Much of this section can be written now. It is the MOST IMPORTANT section of your business plan. This is where you stress every detail of your management skills, all history managing anything in your previous work experience and the amount managed. (both in quantity of dollars and people)
Who will be resposiblefor what functions?
What wage/salary structure?
List all of insurances.
What legal strucute? LLC…, licenses, trademarks…
Some of this will, of course, come with the existing park, but it is good to familiarize yourself with them now.
—–
5 - Financial Information
>>>Start-Up cost
>>>Equity & Collateral
>>>Projected Cash Flow
>>>Pro forma Income Statement
>>>Pro forma Balance Sheet
>>>Ratio Analysis
~~~Obviously, this will be specific to the one you buy. However, it is good to get cost estimates so that you can start formualting general numbers. Decide how much of your own money you will be willing to put up.
Go to the local library and get the RMA Annual Statement Studies. You will find average financial statements for RV parks. You will probably need the business librarian to help you if you are not familiar with them. Bankers will have this information. They will know if your financial data looks screwy.
—–
Contatc RV Park Associations
Go to the local offices of these for free trustworthy help:
http://www.score.org/
http://www.sba.gov/sbdc/
Yes, it is a pain in the behind. But the earlier you start, the easier it will be.
Good Luck
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I have looked on line, but don't want to give my name or email address to anyone, and that's what it seems to take to get any information from the local rental places. I just need an idea as we are starting to budget for next year's vacation.
around here it can cost anywhere from $100 to $400 dollars a day depending on time of year and size of the unit you are renting.
We are essentially nomadic due to my husband’s job. We live in an RV and have to move anywhere from every few days to every few months, and this is not going to change for at least another 3 years. However, I just found out I’m pregnant. So now it’ll be myself, my husband, AND an infant. It won’t be as big a deal at the very beginning, but when he/she gets big enough to need social interaction we’ll have to be pretty intentional about finding opportunities to play with other toddlers, plus the logistics of living full time in an RV park with a small child. Any suggestions and tips on how to make this work?
(Please do not suggest my husband get another job, this is a well paying career with excellent benefits, including health insurance, and the benefit of sticking with it for the long run greatly outweighs any temporary inconveniences.)
When he/she is little I'll probably wear her most of the time in a sling or mei tai carrier, strollers take up too much space.
I think we have the birth thing figured out. We pretty much travel throughout just one (huge) state so I'll pick a midwife in a central location and travel there for appointments, then get a furnished apartment near the birth center for the month before and month after my due date.
Gee, thanks for your support "ya ya."
No, finding another job is not an option because this is a necessary step in his career, not just a job. And no, raising my child without daddy around is not going to be the best thing for anyone. If you aren't going to offer positive suggestions, I don't need your input. We aren't the first people in the world to live like this and it's not impossible.
We will not still be doing this by the time our baby is Kindergarten age.
My son is more “socialized” then most kids his age (he’s 2.5 years) -that’s not just my opinion I get that from a lot of toddlers. He always says hello, and goodbye. He wants to play with other kids not beside them. He will talk to anyone -child or adult.
Its a myth that socialization only happens between kids of the same age, in fact that is the worst form of socialization unless its very closely supervised. Kids can be cruel, also kids of the same age have the same behavioural problems and the same things to be learned. Socialization is learned the same way anything else is -by watching their elders and particularly adults.
So get out with your son as much as possible -malls, coffee klatches, church, whatever. And as he gets older there are parks and indoor playgrounds -he will meet lots of kids. It doesn’t have to be the same kids every day.
The cultural myth of socialization
http://web.archive.org/web/20060614014616/http://atypicalhomeschool.net/general-information/the-cultural-myth-of-socialization/
The Myth of Socialization
http://www.freerepublic.com/focus/f-news/1055892/posts
PS Your prenatal care is none of my business, you didn’t even ask about that. But since others have decided you need to tell them about it can I recommend:
Empowered Childbirth
http://empoweredchildbirth.com/
http://health.groups.yahoo.com/group/empoweredchildbirth/ (ugh its back in age-restriction again, I swear its just a normal pregnancy and birth group -well ok maybe not “normal” as its anti-useless intervention)
Emergency Childbirth: A Manual
http://www.amazon.ca/Emergency-Childbirth-Gregory-J-White/dp/0934426015/ref=sr_1_2?ie=UTF8&s=books&qid=1220641327&sr=8-2
No matter who you are EVERY woman should know how to birth their own baby -things happen.
I was co-signer on an rv with boyfriend. we seperated and he wanted rv stating he would refinance to take my name off loan.Now I find out rv was repossed, and my name never was removed. Now he has claimed bankruptcy. Finally my question is -If rv was claimed on his bankruptcy, am I still liable for any $$ on it since I was co-signer???. Or am I cleared now since he put it on the claim?
Hi!
I think the easiest way to deal with this is to pull all three credit reports of yours and see if it is on there. Now…how long ago was this? have you checked to see the statute of limitations of your state for debts like this? I would. Do a web search on statute of limitations debt and find out first:
1) How they would classify this (there are four different classifications of debt)
2) Once you know how it is classified..you should be ale to easily find a table that will tell you-by state-what the statute of limitations is for this.
You might also want to check and see how your state views co-signers..that may differ as well. I have always heard that the cosigner is just as responsible as the primary signer for the debt..but it may be different depending on different state laws.
One more thing: The statute of limitations only covers if or if not whoever buys the debt can really sue you in court….it has nothing to do with the credit bureaus removing lines on your reports.
They still can legally pursue collections..as long as they follow the Fair Debt Collections Practices Act. If they don't..you have many other options to report them….and perhaps even sue them.
try rv america
Yesterday a friend and I went to look at RV's to rent. My husband and I had rented one from this same place last Sept to go to the Grand Canyon and had had a good experience with this company. Well, she and I had gone into some of them to check out the inside, probably about eight, since renting last time I'm EXTREMELY careful getting in and out, hand rails etc. One of the employees came around and we looked at several w/ him, then went inside for info on renting, the employee came out to show us our opts. and got a call and walked away. Unfortunately the last RV we looked at I ended up slipping on the last step coming out, twisting my ankle and ending up on the ground. My friend ran to the office and he was w/ another customer. They left me laying on the ground for 20 mins before even calling 911. Long story short, my friend ended up driving me to hospital, using my own insurance, I have a fractured ankle, I can't go back to work 6 to 8 weeks( I 'm a server). What are my options now
The non slip covering on the bottom step was in disrepair. Don't get me wrong, I wasn't looking for some BIG SETTLEMENT, I wouldn't have driven to the hospital or even used my own insurance if that were the case. Now it's about my job and being able to pay bills etc. I don't want to just take time off (6 TO 8 WEEKS) but I CAN'T work. I'm a server in a restaurant and crutches aren't an option. I just need to what steps to take from this point and what I should expect.
Honestly, I don't think you should do anything. Sure it'd be GREAT to get some time off work and sue the hell out of a company and get money out of them… but the truth of the matter is, you slipped and it was an accident. Whatever you slipped on I'm quite sure was not intentionally placed in your path to cause you injury.
My advice is to take care of your ankle and get some rest. Anything more would be out of line.
Ok I just started selling those starter Interrupt devices and it's been difficult finding the right people to sell to.Does anyone currently work with such devices or have a network of dealers and lenders that are interested.They secure sub prime loans in Auto,Boats RV's they are also anti theft devices.The company I work for is small are there prices are much cheaper than the big name companies but it's getting info out to the decision makers have been difficult .If anyone has a suggestion or help I'll apprciate it .
Tote the note lots would be my first stop. Anyone who self finances their cars has a vested interest in knowing that they can recover them if need be.
If your system can be monitered via the internet and the vehicle can be located and disabled I would think it would be a big seller to the note lots.
Hello,
I'd like to rent a van in Miami for about 20 days to cross the US and drop it in San Francisco!
Do you know where I could find good deals? Thanks
Thanks
Apparently you can get a good deal on a one-way rental at Budget using code U010787. I found that code at Neotravel.com.