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Old 02-15-2010, 08:32 AM   #286
Pete_Tallahassee
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Quote:
Originally Posted by PunkinHead
Nothing limits freedom like possessions. A house is about the worst for this.
If you want TOTAL freedom and have a large stash of cash then I agree with this. Dump the pets and large vehicles too.

A house or two can be a source of income. You can touch and feel it. The stock market scares me.
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Old 02-15-2010, 10:08 AM   #287
munchmeister
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Quote:
Originally Posted by PunkinHead
There are plenty of other assets/investments that don't come with the upkeep of a house. My parents sold their house and started full-time RVing over a decade ago. They have friends who try to full-time but have a house and it definately limits their freedom. Houses aren't an asset that likes to sit unlived in. Pipes burst, animals take up residence, windows get broken, trees start encroaching, etc. There are things that can cause serious damage to a house if not caught within hours or days, so even having relatives or friends check up on it occasionally is risky. Houses need to be lived in.j

I have one relative that decided to rent out her house and go on the road for awhile. She used a service to collect rent, etc. The renter did over $30K damage to the house.

Nothing limits freedom like possessions. A house is about the worst for this.
Exactly. And just about all those things have happened to me in this house. I might sell it via a contract-for-deed to one of my kids. The idea of renting just doesn't make me feel comfortable. What do you do when you are lounging on the Baja beaches and your renters call and say the big tree in the back yard fell on the house and punched a hole in the roof? Of course, you can have a property manager or friend, but what are they going to do about that? I want to head out, be an ex-pat somewhere and not have to worry about my renter stuffing a diaper down the toilet. I'm thinkin' that if I sell my house, the equity (if there still is any, in this market) could buy me a nice lot somewhere obscure and maybe enough left to buy one of those overlander rigs (earthroamer.com or sportsmobile.com ). When I get tired of traveling, I'll park the rig in a quonset hut on the land and call it good. Sumpin' like this:

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Old 02-15-2010, 11:18 AM   #288
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Originally Posted by ywr969
home ownership (true ownership, not "the bank & i" ownership) just means you have a large asset, that's all.
doesn't mean you can't be mobile...
trust me on this.
A house is not an asset until you sell it, otherwise its a liability.
Even without a loan to pay there's taxes, insurance, maintenance & repairs, all negative cash flow.

(anyone want to buy a house on the river in Bend? PM me)
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Old 02-15-2010, 11:31 AM   #289
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Quote:
Originally Posted by munchmeister
When I get tired of traveling, I'll park the rig in a quonset hut on the land and call it good. Sumpin' like this:



Interesting design. Any more info?
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Old 02-15-2010, 01:59 PM   #290
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Originally Posted by PirateJohn
Interesting design. Any more info?
Endo Shuhei Architecture

http://www.paramodern.com/

Here's a couple more of his:



I'll probably end up in one more like this:



What I want is a piece of ground where I can build a huge quonset (cheap, easy to build) and then get me an RV or earth roamer or old school bus. When it's time to get off the road, I'll pull the RV into the quonset, use the RV for a bed, and spread out in the quonset where I will have a nice shop, photo studio, storage, etc. Somewhere I've got a pic of a guy who did just that and he set up a "living room" outside of the RV/ trailer, complete with LazyBoy, TV, reading lamp, etc. Then, when you're ready to go, just close up the quonset and head out !
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Old 02-15-2010, 02:08 PM   #291
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Quote:
Originally Posted by munchmeister
Endo Shuhei Architecture

http://www.paramodern.com/

Here's a couple more of his:



I'll probably end up in one more like this:



What I want is a piece of ground where I can build a huge quonset (cheap, easy to build) and then get me an RV or earth roamer or old school bus. When it's time to get off the road, I'll pull the RV into the quonset, use the RV for a bed, and spread out in the quonset where I will have a nice shop, photo studio, storage, etc. Somewhere I've got a pic of a guy who did just that and he set up a "living room" outside of the RV/ trailer, complete with LazyBoy, TV, reading lamp, etc. Then, when you're ready to go, just close up the quonset and head out !

Sweet! Thanks!

Yeah ... my thoughts are pretty much along those lines as well, although I would love to keep everything mobile so that we can pack up and move on a few more times in our lives (although I do have to say that at the moment I am quite content where we are at).

Theere is a whole class of homes/designs out there that is meant to work in conjunction with an RV. The RV "docks" and becomes part of the overall home and workshop.
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Old 02-15-2010, 02:11 PM   #292
Pete_Tallahassee
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Quote:
Originally Posted by Hootowl
A house is not an asset until you sell it, otherwise its a liability.
Even without a loan to pay there's taxes, insurance, maintenance & repairs, all negative cash flow.

(anyone want to buy a house on the river in Bend? PM me)
You don't have to sell it for it to be an asset IF you can rent it out and cover the expenses plus realize a profit. Many people do this, they are called landlords.
Not every situation is the same and you may not be able to do this in Bend, OR. for a variety of reasons.
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Old 02-15-2010, 03:23 PM   #293
munchmeister
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Here is another idea for us cheap bastards:

Modified container home. Would be a perfect RV "Port." Just close those container doors/ side when you leave.

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Old 02-15-2010, 03:43 PM   #294
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Thumb

Quote:
Originally Posted by munchmeister
Endo Shuhei Architecture

http://www.paramodern.com/

Here's a couple more of his:



I'll probably end up in one more like this:



What I want is a piece of ground where I can build a huge quonset (cheap, easy to build) and then get me an RV or earth roamer or old school bus. When it's time to get off the road, I'll pull the RV into the quonset, use the RV for a bed, and spread out in the quonset where I will have a nice shop, photo studio, storage, etc. Somewhere I've got a pic of a guy who did just that and he set up a "living room" outside of the RV/ trailer, complete with LazyBoy, TV, reading lamp, etc. Then, when you're ready to go, just close up the quonset and head out !
Great Plan Good Luck
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Old 02-15-2010, 03:53 PM   #295
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Quote:
Originally Posted by munchmeister
Here is another idea for us cheap bastards:

Modified container home. Would be a perfect RV "Port." Just close those container doors/ side when you leave.


Actually, we've given that idea quite a bit of thought. I'm kinda surprised that we didn't get a container back in Florida and start welding on the bastard.
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Old 02-16-2010, 05:14 AM   #296
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Quote:
Originally Posted by PirateJohn
Actually, we've given that idea quite a bit of thought. I'm kinda surprised that we didn't get a container back in Florida and start welding on the bastard.
Plus they stack real easy, you could have your own upstairs!
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Old 02-16-2010, 01:46 PM   #297
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Old 02-16-2010, 03:14 PM   #298
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Quote:
Originally Posted by Wannabeeuro




Very cool:

http://www.containercity.com/

need to come up with a way to drop a chassis underneath them and make an instant motorhome...
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Old 02-17-2010, 11:36 AM   #299
Hannda
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Quote:
Originally Posted by jkam
I live in a small class "C" RV with my Sherpa on the back.

In the 2 years I've lived this way I have only paid to camp once at Death Valley Daze last year.
I do dispersed camping in the forest or on BLM land or stay at one of the Indian casinos that let RV's park without hassles.

I spent 3 months over the summer near Flagstaff in a nice dispersed camping spot and not once did I see a ranger or other forest person so I stayed much more than the 14 day limit.
I assume you have a solar panel and a generator for electricity. And purchase propane for cooking, heating water and the furnace if you stay somewhere after the colder weather sets in. But where/how do you get water and empty of your gray/black water tanks?
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Old 02-17-2010, 12:43 PM   #300
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It's an unusual concept of being able to walk away from the house and the debt associated to it.

In NZ, Aus & UK if you buy a house and take a mortgage from the bank then that acts as a loan like any other loan, say like buying a car. The amount borrowed is the full amount of the debt and you are liable for 100% of that debt.

If you stop paying the mortagage then the bank can evict you, and they can sell the property to recover that debt. If the amount recovered from the sale of the property does not cover the outstanding balance of the debt then you are still liable for the shortfall, not the bank.

I don't get why the borrower should be able to walk away from the debt and leave that shouldered on the lender. The fact that the borrowers circumstances have changed so that they are not able to meet their obligations to the mortgage is not the banks responsibility surely?

And no I don't work for a bank, just trying to get my head around this.
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