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First of all I want to thank Steve B, Gmon, gcal & the rest of you all for a lot of good information.
I will be beginning my quest in the latter part of January, but I will not be hitting the road until 1st part of April. What ever unit I purchase I plan to go with an detroit powerplant for fuel economy and less espensive to have repaired. But I am reading about having a mobile office. Is it feasible to have an mobile office in a flat top or do you need a mid-roof or stand up for your refrig, micro, printer all-in-one combo? I want a flat top but I am thinking a mid-roof or stand up is more practical! |
Originally Posted by pigrider
First of all I want to thank Steve B, Gmon, gcal & the rest of you all for a lot of good information.
I will be beginning my quest in the latter part of January, but I will not be hitting the road until 1st part of April. What ever unit I purchase I plan to go with an detroit powerplant for fuel economy and less espensive to have repaired. But I am reading about having a mobile office. Is it feasible to have an mobile office in a flat top or do you need a mid-roof or stand up for your refrig, micro, printer all-in-one combo? I want a flat top but I am thinking a mid-roof or stand up is more practical! |
You don't need everything at your fingertips. You can put the printer/scanner in a cabinet or under the seat until you need it.
Find yourself a WWII submarine sailor and ask them where to put everything!!!! |
Originally Posted by pigrider
Originally Posted by merrick4
I would suggest getting if possible a credit card (or two or three :D ) with 0% interest for 12 months. It's hard to have so much in reserve but good credit lines will help.
Just as an example, I just check my Amex account and the bill came out. It was $22,262.68 ($20,000 I used to buy the trailer and then just use the rest every month for the fuel and everything else except restaurant purchases with go on another card for 3% back). This is 0% for 12 months and this amount due for that was $430. Now to be honest I made a total of $6,800 in payments this month as the limit is only $28,000 and these fuel purchases add up and I want to keep using the card to get the cashback. But if I didn't buy a new trailer I would have had plenty of room to pay for fuel and just pay the minimum while I wait for the checks to come in if I so chose to. Of course it must be noted that this is a very risky thing and this strategy can put you in the hole real quick especially if you aren't the type to take the money you receive and pay bills first. By the way I just checked the cashback section, I made $5891.54 in "gas" purchases and got a total back of $294.58. Man that's like one free tank of fuel a month. The heck will credit cards!! I might have to sign a wavier or something but I will see if me bank will increase my debit card limit before I take the credit card route. You just made yourself a slave to your credit card! IF I AM WRONG DON'T SHOW ME ANY MERCY! |
Yes but you are stil floating cash! I have one credit card and that is for in case I need to rent a car (you have to have one for a luxury car).
In my opinion a debit card is the way to go! Have your bank raise your transaction limit! Most banks have them set low in case you lose your card! If you can, going in debt to do business should be the last resort! "I HATE CREDIT CARDS" I have yet to see a good credit card! What if somethings happens and you cannot make that big payment at the end of the month! |
The problem with debit cards is some merchants authorize more than the purchase and you have to spend time getting it reversed. It's also harder to dispute defective items.
Example: I rented a car for 2 days. They got an approval for $1000. This tied up my money until I returned the car. It then took 2 days for it to credit back to my bank. |
Originally Posted by pigrider
Yes but you are stil floating cash! I have one credit card and that is for in case I need to rent a car (you have to have one for a luxury car).
In my opinion a debit card is the way to go! Have your bank raise your transaction limit! Most banks have them set low in case you lose your card! If you can, going in debt to do business should be the last resort! "I HATE CREDIT CARDS" I have yet to see a good credit card! What if somethings happens and you cannot make that big payment at the end of the month! |
Yes, I ran into the same problem renting a car. That is why I have one credit card with a small limit on it just incase my wife and I have to rent a car for vacation or emergencies!
Well whatever works for you! But I believe that consistent cash flow and cash reserves is the way to go. NOT TO CREATE DEBT TO OPERATE! BUT TO EACH IT'S OWN! |
You're missing another piece pigrider of the whole thing. I't not creating debt when you have the cash sitting in the bank to pay everything off (earing interest income as well) . It is using other people's money instead of your own.
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Okay!
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