Going on vacation with a trailer or an RV can make the experience much less stressful, essentially bringing your hotel room with you everywhere you decide to go. With an RV (or a recreational vehicle like a motorhome), you tend to drive it entirely; whereas with a trailer, it’s hooked up to your travel vehicle via a hitch or tow package and doesn’t have a motor for driving on its own.
Anywhere from seasonal camping in a relaxing forest environment to staying in a dedicated park while you visit a city you’ve never been to before, RV or trailer traveling can open tons of opportunities. But where do you even start when preparing to purchase one? Trailer and RV trade prices are a market all on their own, making it potentially daunting when you’re in that market for a trailer or RV sale. Here’s a short article on five things to look for (and what to avoid) when buying your first trailer or RV:
1. Not having a budget
Whether buying from a private party or from a dealership, it’s of utmost importance to understand your financial limit and stick to it. Haggling is an option in most vehicle marketplaces, but overshooting what you can or can’t handle could result in the loss of a deal or overburdening yourself with debt.
2. Not considering interest rates or taxes
If you take out a loan to buy an RV or trailer, something commonly forgotten is the interest rate for those loans. An overpriced loan can end up putting someone into excessive debt. On the other hand, it’s important to search up your state’s tax and interest deductions and if you qualify for them before buying anything.
3. Buying too small
If it’s your first time buying a camper, you might decide to go with the economic choice and pick something you think is small enough to manage. Next thing you know, you’re tripping over everything you brought, and it’s harder to keep clean and organized than you initially realized. This can be magnified if it isn’t just you alone in the camper, making things feel cramped and claustrophobic. Making sure to purchase the size that suits you and your family’s needs can make or break a vacation.
4. Forgetting tow weight
You have your dream trailer or towable RV, it’s big enough, you could afford it with sales tax and interest rates, everything is perfect…except for one key detail: you don’t own a vehicle that can tow it, because it’s too heavy. This is one of the most important things to consider when looking through the variety of trailers available. Not just considering the weight of the trailer itself, but the gear you plan to bring with you, is absolutely imperative.
5. Buying an RV in poor condition
Buying new can be attractive at first, until you consider that value goes down the instant you drive it off the lot and even more every year that you own it. It can seem like a waste to put down the amount of money a new RV would be worth, just for it to go down in value immediately. But what about the challenges of buying pre-owned? It costs less to buy outright, sure, but there are repairs to talk about (if the previous owner is honest about them), or even aesthetic improvements to consider if it comes with a lot of damage. These things can make the used RV or trailer cost as much, if not more, than buying new. Really it comes down to what is right for you, what you think is ultimately worth it.
For many vehicle owners the decision between gasoline or diesel can be a tough one. However, if you own a pickup truck, choosing between a gas vs. diesel engine can impact everything from the power to the fuel-efficiency of your vehicle.
Luckily, no matter which you choose, both gas and diesel engines offer a unique set of advantages, depending on how you plan to use your pickup truck:
So you’ve decided to buy a pickup truck and start visiting and test driving auto dealerships to make a purchase. When considering sticker price alone, gas powered pickups are typically cheaper in price. That’s simply due to the fact that the turbo-diesel powertrain of a pickup is more costly when you consider a beefed up transmission and a heavier engine block. Throw in the required emissions control equipment and you’ll no doubt be paying more than the gas-powered model.
If you plan to haul a lot of heavy loads with your pickup (i.e., contractors) a diesel pickup truck is your most economical bet over the long “haul”. While diesel engines are heavier compared to gas engines, diesel pickups can simply haul more. Just check out the maximum towing capacity and capability of a diesel vs. gas powered pickup–they offer better fuel economy with more torque.
If being nicer to the environment is an issue for you, I’m not sure why you’d opt for a pickup truck in the first place, but if you’re seeking the most emission friendly pick up, your decision should sway gas vs. diesel. Sure, diesel truck must feature a emissions control system, but still must go into “regen mode” periodically in order to cleanse the particulate filters and increasing the temperature of the exhaust system, which has negative effects on overall fuel economy and the environment.
If you prefer to a truck with lower overall maintenance costs, go gas! After All, maintaining a diesel truck is is most expensive due to more frequent transmission repairs, turbo injector replacements, fuel filter replacements, and powertrain maintenance.
Myelodysplastic syndromes, or MDS, are a group of disorders caused by poorly formed blood cells or ones that don’t work properly. The MDS life expectancy varies greatly from patient to patient, depending on several factors, including age, overall health, and how well the disease responds to treatment. One of the major complications of MDS is that it can cause anemia, a condition characterized by a lack of red blood cells. It’s important to recognize the warning signs of MDS to seek early treatment. Here are ten signs that may indicate the presence of this disease.
1. Fatigue
One of the most common symptoms of MDS is fatigue. This is primarily due to anemia, which can make you feel tired and weak. If you’re feeling unusually fatigued, it might be worth discussing with your doctor.
2. Shortness of breath
Another sign of MDS can be shortness of breath, especially during physical activities. This symptom is also related to anemia, as your body isn’t getting enough oxygen due to a lack of red blood cells.
3. Frequent infections
MDS can cause your white blood cell count to drop, making you more susceptible to infections. If you find that you’re getting sick more often than usual, it could be a sign of MDS.
4. Easy bruising or bleeding
If you notice that you’re bruising easily or bleeding more than usual, it could be a sign of MDS. This is because MDS can affect your platelet count, which is responsible for blood clotting.
5. Skin paleness
Anemia, a common complication of MDS, can cause your skin to look paler than usual. This is due to the lack of red blood cells, which give your skin its color.
Now that we’ve covered the warning signs, let’s look at some FDA-approved treatments for MDS.
6. Blood transfusions
Blood transfusions are often used to treat anemia in people with MDS. This involves receiving healthy blood from a donor to increase your red blood cell count.
7. Medications
Several medications can be used to treat MDS, including growth factors to stimulate your body to make more blood cells, and immunosuppressive drugs to help your body accept these new cells.
8. Chemotherapy
Chemotherapy is often used to kill off abnormal cells in your bone marrow. This can help to slow the progression of MDS and alleviate some symptoms.
9. Stem cell transplant
A stem cell transplant involves replacing your diseased bone marrow with healthy marrow from a donor. This can potentially cure MDS, but it’s a complex procedure with significant risks.
10. Supportive care
Supportive care involves managing the symptoms of MDS, such as fatigue and shortness of breath. This can include medications, physical therapy, and lifestyle changes.
In conclusion, it’s important to recognize the warning signs of MDS and seek treatment early. With the right care, it’s possible to manage this disease and maintain a good quality of life.
Life insurance is a critical safety net for many individuals, especially those over 50 or seniors who want to ensure their loved ones are financially secure after they’re gone. But it’s essential to understand that not all situations are covered by life insurance policies. Here are seven things that life insurance does not typically cover.
1. Fraudulent information
One of the key aspects insurance companies look at when underwriting a policy is the honesty of the information provided. If you have lied or omitted important information on your application, your insurer can deny your beneficiaries’ claim. Always be honest and thorough when applying for life insurance.
2. Suicide within the exclusion period
Most life insurance policies include a clause that excludes coverage for suicide within the first two years of the policy. This period may vary depending on the insurance company and the specific policy, but it’s a standard exclusion across the industry.
3. Death from risky activities
If you regularly engage in high-risk activities such as skydiving, mountain climbing, or extreme sports, your life insurance policy may not cover death resulting from these activities. It’s crucial to disclose these hobbies when applying for insurance, as failing to do so could result in a denied claim.
4. Death in a war zone
Many life insurance policies exclude coverage for death occurring in a war zone. If you are a military personnel or a civilian working in a conflict area, you may need to seek a special policy or rider to cover this risk.
5. Illegal activities
If the policyholder dies while committing an illegal activity, the life insurance claim will likely be denied. This can include anything from driving under the influence to participating in criminal activities.
6. Certain health conditions
While life insurance for over 50 and life insurance for seniors are generally available, certain health conditions may not be covered. This is especially true for policies with a graded death benefit, which only pays out the full benefit if the policyholder lives a certain number of years after purchasing the policy.
7. Acts of God
Some life insurance policies may not cover deaths caused by acts of God, such as natural disasters. However, this exclusion is less common than others and can vary significantly between insurance companies and policies.
Now that you know what life insurance typically does not cover, it’s important to find a reliable provider. Some of the top companies that provide life insurance include New York Life, MetLife, Prudential Financial, and State Farm. These companies offer a variety of policies, including term life, whole life, and universal life insurance.
Remember, life insurance is a crucial part of financial planning, especially for those over 50 or seniors. Make sure to thoroughly read and understand your policy, and don’t hesitate to ask your insurance agent or company any questions you may have. It’s always better to be safe than sorry when it comes to protecting your loved ones’ financial future.
Embarking on home improvement projects is a rewarding journey that can elevate your living space and enhance its functionality. From addressing water damage with companies that clean up water in the basement to upgrading roofing and gutters, and even considering Anderson window replacement, these hacks are designed to transform your home seamlessly. In this article, we explore seven ingenious home improvement hacks that will breathe new life into your living space.
1. Water damage prevention and cleanup
Companies that specialize in cleaning up water in the basement play a crucial role in preventing and addressing water damage. Protect your home from potential disasters by addressing leaks, floods, or excess moisture promptly. Investing in professional services ensures a thorough cleanup and mitigation of water-related issues, preserving the structural integrity of your home.
2. Roofing and gutters upgrade
Upgrading your roofing and gutters is a fundamental home improvement hack that protects your property from the elements. Consider durable roofing materials such as asphalt shingles, metal, or architectural tiles. Additionally, ensure your gutters are clean and well-maintained to prevent water damage and potential leaks. Regular inspections and prompt repairs contribute to the longevity of your roof and the overall health of your home.
3. Anderson window replacement
Enhance your home’s aesthetic appeal and energy efficiency with Anderson window replacement. Anderson windows are renowned for their quality and durability. Upgrading to energy-efficient windows not only improves insulation but also adds a timeless and elegant touch to your interior and exterior spaces. The investment in high-quality windows pays off in energy savings and increased home value.
4. Creative storage solutions
Maximize your living space by incorporating creative storage solutions. Utilize under-the-stair storage, built-in shelving, or multifunctional furniture to optimize every square foot. These solutions not only declutter your home but also add a touch of innovation to your decor, making your living space both functional and stylish.
5. Smart home technology integration
Embrace the future of home living by integrating smart home technology. From smart thermostats and lighting to security systems, these technologies enhance convenience, energy efficiency, and security. Smart home devices can be easily controlled through mobile apps, providing remote access and customization options to suit your lifestyle.
6. DIY painting projects
A fresh coat of paint is one of the most transformative and cost-effective home improvement hacks. Whether it’s an accent wall, a room makeover, or refreshing exterior surfaces, painting projects can instantly breathe new life into your home. Experiment with different colors and finishes to create a personalized and updated look.
7. Energy-efficient lighting upgrades
Switching to energy-efficient lighting options is not only environmentally conscious but also financially savvy. Replace outdated incandescent bulbs with LED or CFL alternatives to reduce energy consumption and lower utility bills. Additionally, consider installing motion sensor lights in outdoor areas for enhanced security and energy efficiency.
Embarking on home improvement projects is an exciting endeavor that allows you to tailor your living space to your preferences and needs. From addressing water damage with professional cleanup services to upgrading roofing and gutters, considering Anderson window replacement, and embracing creative storage solutions, these home improvement hacks offer practical and innovative ways to transform your home. Whether you’re looking to enhance aesthetics, increase energy efficiency, or optimize functionality, these hacks provide a roadmap for a more comfortable and stylish living environment.
