Finance

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Mobility and Community

I’ve been following the adventures of Sean and Louise, fulltiming in Odyssey, a 40′ Neoplan bus, for quite a long time now.

I remember reading their blog for the first time and thinking “Wow, I’d love to do that… but there’s absolutely no way I could.” I credit Louise for indirectly getting me out of that mentality. I had so many excuses for not getting on the road, one of which was that my cats would simply tear up the motorhome with their claws. She presented a solution, Softpaws, and helped me realise that there was a solution to all my excuses. Flash forward many months, and here I am, a month and a half before my own fulltiming dream begins!

Sean and Louise are presently volunteering for the Red Cross. Their current blog entries have chronicled their mad dash from Wyoming to Texas, and they’re about to be on the move again.

I cannot wait to have this sort of mobility.

When my father was ill, I wanted to move to be closer to him. That wasn’t feasible in the amount of time he had left. How nice it would have been to have the freedom to drop my job for a few months, something I could have done had I necessary mobility, to be with him full time!

Or how about those interesting temporary job postings for which I can’t apply because moving house wouldn’t make financial sense and staff housing wouldn’t work because of the catkids?

How about volunteer opportunities during times of disaster?

Or even cases like this week where I realised just how unsafe is the area in which I’m living?

Most of the people I know in the ‘real’ world are extremely sedentary. They would look at this post and say “Yeah, mobility has its advantages, but you have to give up having a community.”

I couldn’t disagree more. In just a few short months, I’ve learned that RVers form a community unto themselves, partly ‘real’ and partly virtual. I can’t wait to compare that sense of community to that which I’ve experienced in the various places I’ve lived.

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First Major Obstacle

According to my financing lady, funds will be released to Miranda’s current owner Monday or Tuesday.

Thing is, her current owner is leaving the country for two weeks starting Sunday.

He’s going to try to push for an electronic bank transfer tomorrow or Monday at the latest so that he can leave keys for me with a neighbour or something along those lines.

Otherwise, Miranda won’t be mine until August 4th or 5th at the earliest.

I told him that he should have advised both me and the financing lady of this on Monday so that we could have rushed the paperwork. Anyway…

I was so hoping to have her for next weekend, though. My sister is having a party at a town only an hour from where Miranda will be parked all of August and I had hoped that this could be our first trip out together. *crossing my fingers*

At any rate, I’m not going to freak out over this until I know for sure how it’s going to turn out.

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Proverbial Stone

Whew, I didn’t intend to get insurance issues sorted out today, but I did! I’m thrilled with the coverage and price I got for a ‘Globe Trotter Plus Nomad’ (love that!) policy… that includes road side assistance for the RV. One less thing to research. *Rae heaves a huge sigh of relief*

I still need to check if my plans will affect my car policy (which I’ll need to maintain with my current insurer), so I could still be in for surprises, insurance-wise, but I think the worst is over.

The fact that I will be out of Quebec for a year was a huge problem and I had to swear up and down and promise my firstborn child that I would not go to the United States for more than a couple of weeks at a time, and for no more than 6 months total, as well as pay a premium. I can’t figure out why my country is so difficult about people crossing its provincial borders for more than 6 months. I know it has something to do with the health care regimes and provincial income tax, but all of that comes out in the wash if you ask me. *rolls eyes*

Okay, so now I’m waiting for the financing to be settled. This is stressing me out, probably more than it should. It’s just that plans B through Z aren’t nearly as advantageous as plan A and could really cramp my style.

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The Count Down Begins…

Monday, I’m having my first official meeting (by phone) about financing pre-approval. I’ve done a lot of research about this, listened to both sides of the arguments, and concluded that, for me, I’m better off financing than using my savings. I have a good feeling about this lady I’ll be working with. I emailed her at 8PM tonight… and she called me from home at 9:15 to schedule Monday’s meeting. Talk about dedication to customer service.

Tuesday, the coach goes in for the mechanical inspection. Soon as I have the results from that, the owner and I are going to talk money. I’m dreading this talk. The guy put the coach on sale for 32K. It’s a gorgeous unit, quite luxurious, and as close to a brand new rig as I could have ever dreamt (I’m itching to show pictures). But the book value for this rig is only 16K. If I factor in fair market value for some of the accessories he’d be throwing in, I still don’t get at more than 18, 19K. The financing lady who has been in the RV business for many years came up with a figure of 17K, including accessories. That’s 15K less than they’re asking. Do I risk insulting them and losing out on this near perfect unit. I really don’t have much time to look for anything else. The seller said that he’s motivated, but how much so? His coach as been advertised all over the place since April. His wife is excited at the idea that the coach she loved and babied so much could pass into the hands of someone whose travels she’d be able to follow via a blog. I loathe talking money in this sort of scenario. If he was a dealer, no problem. I mean, I’m the one who got her brand new car financed at 0% for the ‘paid in cash’ price.

Auuuuuuuuuuuuuugh.