Tuesday, December 25, 2018

rent to buy 3 of 3


RENT TO BUY 3
So, we’ve eliminated buying a house.  You can build one yourself after you find the land, living in a tent or RV until the first room goes up paying as you go.  If you are stuck in town forever, try to find a really old, essentially worthless for resale mobile home that is minimum cost to buy.  They can’t be moved, so the current owner sells them cheap just to get out of the park where the rent keeps going up.  Yes, well, so do apartment rents-mobile rents are still cheaper.  The metal roofs make for cheap upkeep.
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If you want an RV because you will constantly be on the move, and are forced to buy new because all the RV parks are asswhores and want “new only” because somehow if you are poor you are a criminal, you will never recoup your costs and are royally screwed.  A short one you can piss from one end to the other is around ten thousand.  With park rent one half to one third the cost of an apartment, you need to be there two years before the cost savings start.  Since their quality sucks, is that worth to you?
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The appeal used to be, you live in it in the park, then live in it on your own land.  No stress moving or setting up.  But that ten grand, fifteen for a little more space, has to be affordable to you. And I would plan on building over that trailer once on your land ( not junk land, but a more conventional lot closer and in the climate you desire-since junk land usually means desert, which is not most folks cup of tea ), to avoid the weather damage most new builds seem to encourage-so budget for that.
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Obviously there are cheaper options.  We’ve talked of them before.  I’m not trying to rehash those here.  Anyone can live out of their car without needing input from me.  I’m trying to adhere to the most conventional options, on a budget.  Not that an RV is even all that conventional, in the minds of many.  But with every single modern amenity at least they allow you the option of picking them without sacrifice ( just sell them as a skinny apartment-don’t fall for that stupid crap “tiny house”.  The newer ones have pop-outs and mimic a mobile ).  Hell, most wives balk at even a mobile home.
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If you need to make payments, unable to scrape up much cash, I would find a used RV from a dealer you can get a loan for.  A five year loan on a newer small unit would run you around $150 a month, and with $400 for lot rent you still come out ahead compared to an apartment.  Even being a roommate in an apartment costs about that much.  I don’t look on this as debt per se, but the cost of renting.  ALL rent is money down the crapper.  Hey, you can still walk away in an emergency.
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Some folks might bring up lower down payments on a house, and “jingle mail”.  Renting out rooms to get almost free rent.  I only hesitate on that because each state is different.  The states easiest to walk away without lawful penalty also have the highest prices.  Some states you cannot easily discharge the mortgage obligation.  And after you screwed up your credit score ( not that I’m opposed to that-but remember here we speak of a Normey Life, not an Extreme Frugal one ), how do you then buy land to build your house? 
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Most of the above presupposes a long span of time until the balloon goes up.  Not that anyone can forecast that, but all of us have an idea of how long it is until the end and live accordingly.  I always assume today is the last normal day.  You might be looking at sun cycles, 4th Turning models, the most optimistic timetable on fracking depletion or what have you.  But what should you do if you are more inclined to be on the short end of that guess?  You don’t think we have ten years, but neither do you want to drop everything now and panic.
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Try to get the wife sold on the RV.  A lot rent and a loan payment ( just like everything else, you don’t work against depreciation but with it.  Don’t buy too new ) even on a good size trailer is still cheaper than an apartment.  You can repo the RV as desired, and there is no long term lease as with an apartment.  You would be advised to rent a storage shed ( or park a cargo trailer at the lot ) so the trailer isn’t cluttered.  All RV’s are comfortable to begin with.
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Think of them as a hotel room.  But as in a motel room, if you own anything more than a suitcase and a few clothes on hangers, it gets really claustrophobic really quick.  If you can store all your excess crap, you will live much more serenely.   An RV, although overpriced now, if bought used offers the lowest long term cost with the most flexibility ( remember, these are your cheapest NON-frugal options. For those too pampered and spoiled for thirty year old RV’s on junk land ) to quickly change circumstances.  And don’t forget about U-Haul.
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Unless you wait for a general panic, when nothing is for rent, on a normal day you can rent a big ass U-Haul to tow that travel trailer.  They all come with a hitch ( this precludes buying a fifth wheel ).  Lie about the size and weight of the RV to duplicate that of their car on the trailer option ( if needed ), but don’t rent too small that you can’t tow up hills.  You shouldn’t have to own a car to own an RV.  Don’t buy one with a motor in it unless you can repair that, or get it really cheap where you can drop the dead motor and install a tow bar.
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No option is great here.  I like the idea of cheap land with $20 in yearly property taxes ( bury the cabin to avoid taxes on a permanent building, and park a junked RV-also used as storage-as camouflage ).  But I understand most folks work harder than me and deserve more luxury.  No judgement here.  Live cheap to save up for land, then build a house as cash comes in.  You do that by making depreciation your friend.  This way you avoid the pitfalls of a house, yet never get sucked in to the waste of an apartment.  While still having flexibility and options.
( .Y. )
( today's related link here )
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note: thanks to here for the link.  A Weird Al Yankovic Christmas song here.
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note: Happy Kwanzaa, bitches!  Happy Festivus.  And yes, Merry Christmas.  Hope everyone has a holly jolly.  Eat, drink and be merry in case this is the last one.
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note: free books.  Zombies here.  Plague here.  Lone dude saves world here.  PA road trip here.  Alien attack here.  Econ collapse here.  Best of "Survivalist" magazine part 1 here.  And part 2 here.   
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17 comments:

  1. Good one Jim. I think in summary my preferential order of march would be similar. I would want the land, most likely junk lot or a really rural locale, barely vehicle accessable to be secured first. Although this may expend funds before a roof is over your head it is strategic planning to have that squat spot locked in. A rv or semi durable shelter to habitate possibly for a couple of seasons duration should then be aquired, as you build up that homestead. A workaround of haughty park rules or space rent is to go hobo and dwell on blm or open land. A few days of walmart or truck stop parking lot stays allow you to resupply, laundry, etc, at the edge of society. Then go back into boonies. There is whole towns like Montello, Crescent valley, etc, in Nevada of beater rvs with flat tires on dirt lot squatters scratching out existence scenarios. Some without water or even power hook ups. (Oh yeah, like Jim) The key would be having your own ground under you, contrary to the idyllic gypsy nomad notions. Can't time the collapse so that lack of timing accuracy is dangerous. At which point the mobile and ungrounded folks post collapse will only be better versions of refugees and just as vulnerable.

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    1. There was a squatter camp in the southwest after WWII. I think they eventually got harrassed but fought to then "own" the land. I believe they won. The coming war might see something similar ( if I recall more details I'll give a better reference ).

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    2. They will need to be numerous enough AND the government authority and force of power weakened enough to be successful in a claim of squatter or homesteading rights. Just as those indians squatting to prevent pipelines, they got tossed and burned out by private security contractors for energy companies and local and state police helped the enforced right of way rights. Plan for land in non critical areas or routes as even eminent domain can help you to move along. Post collapse will still have a lot of rearranging of furniture and power struggles as that is what peoples do best.

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    3. Claim 1/100th indian blood and say the land or any land is ancestral homeland. Make up burial sites with dog bones in the ground, howl at the moon, game the system. Invite news media to report on your plight as oppressed poor. Most Minions look pretty pathetic anyway.

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  2. I live in an RV currently, and I’ll never live in one ever again. But if you plan on getting one, I’d highly recommend that you consider getting one with a pop out. I know that this might reek of yuppie scummery, but trust me, you’ll regret it otherwise, because living in one of these things is like living in a narrow hallway otherwise. Trailers with pop outs have been around for a while now, so you shouldn’t have too much of an issue getting one at a lower cost.

    Speaking of Weird Al, that chick that Bill Cosby banged looks suspiciously like him, minus the penis (Or was it? :D )

    https://i2-prod.mirror.co.uk/incoming/article7394408.ece/ALTERNATES/s615/Bill-Cosby-and-Andrea-Constand-main.jpg

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    1. Damn, that bitch be ugly. Not that there is anything wrong with that...When looking for an RV, also look for the Evil Dead TV Series model. They look small on the outside but are triple wides on the inside :)

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    2. Okay, I had to check. Wow. That RV had to have been 14' wide, minimum. Didn't know Airstream made one of those!

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    3. I’m now convinced more than ever that Cosby was clearly slipping those drugs to himself prior to the women that he was allegedly said to be. That’s the only explanation for the above. I mean come on. She’s not even attractive by desperate black dude, thirsty for any white chick, standards :D

      Yeah right “lady”. The only way that he was gonna score was by slipping you some drugs to help coax you out of your panties/boxers :D

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    4. JW-yeah, sorry for the time sink. But I couldn't help but reference that.
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      329-I'll be honest, I used to be able to bone any gal who was willing. Ugly, fat, didn't matter. But what I would bone and what a rich celeb would do should be two different things.

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  3. I'm thinking the Donald timeline,he'll keep it going for his rich buddies and once his second term is over it's balloon up time.
    Trailers scare me, even a 9mm can poke holes through one.

    2:48

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    1. Donald will keep it going until the very end, exactly. I just don't we have six more years.

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    2. All civilian vehicles are subject to extra ventilation by the weakest handgun. .25 from a zinc Lorcin will punch steel sheet metal+interior and still have enough speed to hurt a person, all rifles will do much more, even rimfire. Protection from bullets will require setting up framed plywood boxes with at least 3.5" of gravel in them, the weight of which will crush your suspension if on-board. The other protection from bullets is to be below grade/behind berms. Why are folks wasting ammo on you?
      pdxr13

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  4. As an aside, I recall a write up by Jackie Clay of backwoods home magazine. Her family used rv trailer with an attached shack sealed up to it. This was used for additional quartering but also a woodstove in that unit for heat and transfer of that stove heat between the two. This was minnesota cold area until they could build their own house and homestead up. If on your own land then pop out construction could be done for more space and utility purposes. Man cave it so when the ol' lady gets on your case about austere pre collapse living standards.

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    1. I think she went the whole "40 acres and a mule" Yuppie homesteading after that, but at least she knew frugal living at the beginning.

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    2. Years ago in back woods home magazine some folks had a travel trailer parked on gravel and built a temporary building around it. metal roof and 2 X 4 framed walls covered with roofing tar paper and lath strips. It had a door and window. the size was a little longer than the trailer but 2 times wider, giving a large living space just outside the trailer door. It even had a wood stove! they were in New Mexico I think. Something like this might work for RV living.

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    3. Plastic on the walls, right? Is "thermal envelope" the phrase? I think I'm off on that.

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  5. It's actually very complicated in this full of activity life to
    listen news on Television, so I just use the web
    for that purpose, and take the most recent news.

    ReplyDelete

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