Little Guy travels west coast w/ a cat ? - Page 3 - Fiberglass RV


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Old 08-03-2016, 01:03 AM   #29
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west of the Cascades would be a summer temp of 70*F

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Slow pat,
Is that winter 40's west of Cascades. If so, what is summer? I don't want my cat to heat stroke.
: we have virtually the same temperatures in Canada along the coastal plains. Some parts of West Coast like Parksville/Qualicum Beach on Vancouver Island will get way more sunshine than others and be in the 50's or slightly higher in winter months, 75/80*F in summer but only 1 month of that then back to the 65/70*F.
Most areas of BC from Chilliwack south is 40/50*F weather go past Chilliwack and it starts to cool down if in Caribou/Chilcotin it is Brrrrrr cold 0*F or colder and the further north one goes the colder it gets. I personally think southern CA or AZ are the places to be in the winter months.
I also agree if your past 40 get rid of the Tear Drop and buy a 13' or larger Molded egg or a Canned Ham with furnace for those cooler days, throw a 50A solar panel on roof to keep your battery or y's charged. Run as much on Propane like Fridge, Furnace, HWH, Stove with oven as you can so much cheaper and then you can boondock and not pay as much rent. Nice to keep the dollars in the gas tank when you need it and not give to someone with expensive camp grounds. I have put in LED Lights but when they were expensive now much cheaper as they only use 0.5A per light where as the old ones used 2.5A per light and were hard on the battery. If you like music buy a crank up Radio as Radio's use Battery juice very fast.
But get a stand up Trailer way better than only being able to sit in a chair if there is room by rollin up the mattress, or laying down when it is pouring outside.
Stude
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Old 08-03-2016, 02:05 AM   #30
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Good news!

A nurse I worked with 15 yrs ago has offered me a spare room to stay in (up to a year) so I will have the 2 surgeries and then stay with her and figure it all out, without so much pressure.
One day I lean towards the Scamp, and the next is the Little Guy. So I have time to think, and ask more questions.
Thanks for all your thoughts.....
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Old 08-03-2016, 02:41 AM   #31
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Glad to hear of the offer Lynn, can't do anything but help you.
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Old 08-03-2016, 03:01 AM   #32
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A nurse I worked with 15 yrs ago has offered me a spare room to stay in (up to a year) so I will have the 2 surgeries and then stay with her and figure it all out, without so much pressure.
One day I lean towards the Scamp, and the next is the Little Guy. So I have time to think, and ask more questions.
Thanks for all your thoughts.....
That is good news, Lynn. Now you can take a deep breath, relax, check out all your insurance options and during your recovery peruse the forums for all sorts of good ideas.
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Old 08-03-2016, 05:29 AM   #33
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Name: Wayne
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Little Guy

Hey Lynn,
Glad to hear some options opened up for you. This buys you time and takes some of the pressure off. I agree with previous posters that a 13 ft. fiberglass trailer with a bathroom would be your best bet for full-timing. Check out the other 2 forums and if a 13 footer is in your future be ready to move if one your interested in becomes available they tend to go fast. Again good luck with everything and maybe we'll meet down the road. Peace!
Wayne
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Old 08-03-2016, 10:08 AM   #34
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Quote:
Originally Posted by Lynn M View Post
A nurse I worked with 15 yrs ago has offered me a spare room to stay in (up to a year) so I will have the 2 surgeries and then stay with her and figure it all out, without so much pressure.
One day I lean towards the Scamp, and the next is the Little Guy. So I have time to think, and ask more questions.
Thanks for all your thoughts.....
WOOHOO!!!
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Old 08-03-2016, 11:32 PM   #35
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Insurance

In general,
Is it best to add a Scamp or Little Guy to my car insurance policy or use an RV type insurance I see advertised sometimes.
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Old 08-04-2016, 02:40 AM   #36
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Update

For those who have been discussing Medicare & insurance, thank you for inspiring me to research and understand the " how's & whys". I now know why the Original Medicare w/ supplement plan VS. Medicare with an Advantage plan could have been better for me to travel. But they are not available to me. If you have Medicare, but are NOT 65 (disabled), the Medicare Supplement companies are not obligated by law to accept you, and if they do offer a policy, they can charge increased rates for pre-existing conditions. Senior Dimensions of Northern Nevada ( an Advantage Plan ) was my only option.

It will be a few years till I will be 65 and collect my pension. Until then, I will have to come back to Reno to see a doctor. But at least I have a better grasp of the system now.
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Old 08-04-2016, 09:50 AM   #37
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Trailer Insurance--my car agent or advertisers?

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In general,
Is it best to add a Scamp or Little Guy to my car insurance policy or use an RV type insurance I see advertised sometimes.



Definitely, IMHO, FIRST check with your car insurance agent and tell him what you're planning. Get a quote.

Only after that should you look elsewhere. Many ins. cos. offer discounts for multiple insurances.

We got our 73 amerigo insured for $10,000 on our existing car insurance AS an RV for less than $9 a month. It's peace of mind in case of something major happening.

She'll want to know what exact trailers you're thinking about and how much you'll spend to give you a ballpark; don't expect a to-the-penny quote until you have the item.

SOME companies, some states, don't insure these older trailers.
They all have their own guidelines.
But IMHO, ask your car agent first.

BEST
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Old 08-04-2016, 10:20 AM   #38
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U take a BOler that cost pennies in the late 60's and 70's &

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Definitely, IMHO, FIRST check with your car insurance agent and tell him what you're planning. Get a quote.

Only after that should you look elsewhere. Many ins. cos. offer discounts for multiple insurances.

We got our 73 amerigo insured for $10,000 on our existing car insurance AS an RV for less than $9 a month. It's peace of mind in case of something major happening.

She'll want to know what exact trailers you're thinking about and how much you'll spend to give you a ballpark; don't expect a to-the-penny quote until you have the item.

SOME companies, some states, don't insure these older trailers.
They all have their own guidelines.
But IMHO, ask your car agent first.

BEST
: is now worth mega bucks kind of makes one think but they are really not old as they are still building same trailers around North america and that is what your cost is to replace so make sure your insurance is for replacement cost of new trailer.
Stude
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Old 08-04-2016, 11:36 AM   #39
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: is now worth mega bucks kind of makes one think but they are really not old as they are still building same trailers around North america and that is what your cost is to replace so make sure your insurance is for replacement cost of new trailer.
Stude


Hey, Stude and Lynn,

If they're still making the same or similar trailers, it'll be easy to get a proper replacement price for the insurance company.

PS, those pennies were a lot bigger in the 60's and 70's! 8)

Kai
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Old 08-04-2016, 09:40 PM   #40
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Yes the pennies in Seattle were always worth more then in Canada

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Hey, Stude and Lynn,

If they're still making the same or similar trailers, it'll be easy to get a proper replacement price for the insurance company.

PS, those pennies were a lot bigger in the 60's and 70's! 8)

Kai
: right now your penny is worth 30% more than ours so your dollar goes farther. Remember a Boler when new was around $1700.00 New if you were to buy that trailer today in Canada it would cost $25,000 or more today.
Just a run of the mill figure.
Look at how much Bigfoot trailers have gone up since 2008 same as the Escape, Armadillo and others.
Stude
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Old 08-04-2016, 09:59 PM   #41
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If you have a bunch of personal belongings in the trailer and want their value to be covered too, an RV policy is better. If you don't own much of value, just put it on the auto policy. None of these insurers will want to give real value for a FGRV in case of total loss, but real value can be proven by showing "comps"... what the comparable used eggs of similar age are selling for in ads on here and on other sites.

As for supplements and Advantage, I personally question their value. Maybe your situation being more extreme than my wife's situation makes a difference. But I know that my wife has needed a few trips to the E.R. and also one hospital stay of about 3 days, due to kidney stones, and despite not having any supplemental coverage the Medicare paid for practically everything. I think we had to pay a couple hundred bucks for that hospital stay with its E.R. visit and a urinary stent installation and subsequent outpatient care with the urologist. I mean, just for starters Medicare receives a bill for thousands and voids out 85% of it as excessive. Then they pay most of the remainder and we have to pay a pittance. I have no plans for us to buy supplements when we turn 65.
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Old 08-09-2016, 10:59 PM   #42
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Medicare doesn't include pharmacy coverage, so most people have to add that in some type of supplement.

If you decide to go with Original Medicare and add a supplement policy, you have 6 months to do that after you are eligible for Medicare. I am now past the 6 month mark, so to switch back means they can deny me or increase rates due to pre-existing conditions. So I'm stuck with an Advantage plan for now. I know I can go to an E.R. when I'm out of state. But for my regular dr appointments to renew prescriptions, I will have to fly back or drive to Reno, because with an Advantage plan you are only covered at "home" with the GP and hospital you declare.

In a few years I will get a small pension, so maybe I could afford a supplement plan then. For "normal" people they run $150-200 / mo. So with my ill health I expect $400 / mo. Plus Medicare B of $104 / month.

It's funny that people who don't have Medicare, like to tell me how Medicare is free, and my surgeries are free, and I could get a free electric wheelchair. Don't I wish!
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