RV buyers use a

Insider RV Financing Secrets Insider RVFinancing Secrets How to Buy an RV Current Rates Loan Programs RV Loans Home Boat Financing RV Financing Aircraft Loans RV News Apply On-Line NOW! RV Articles and Information Insider RV Financing Secrets Many people who contemplate financing an RV, or any other high-ticket items such as a boat or private aircraft, are intimidated by the length of the financing term needed for an acceptable payment. Typical financing terms are 10 to 20 years, with 15 years being the most common. Some consumers choose a shorter financing term and a higher payment simply because of their fear of the longer-term commitment. Even though they obviously know RV owners rarely, if ever, keep an RV for the entire term of their financing, they choose a shorter term. They unnecessarily strap themselves to a higher payment that could strain their budget; should illness, unemployment or other hard times take place. Others buyers choose the longest term available to secure the lowest payment possible; even though they could afford much more. They usually pay more interest than principal during the first half of the loan period, and wind up in an "upside-down" position when it comes time to trade or sell their RV. In other words, the remaining payoff on their loan is much more than the actual value of their unit because they chose the longest loan term. A Hybrid System Savvy RV buyers use a "Hybrid" type of financing system to get the best of both worlds. They finance the RV for the longest term available for the loan amount, which makes the payment lower than they can actually afford. During the loan, they make the monthly payment PLUS an additional amount, which is directly subtracted from the principal amount of the loan. When this approach is followed with discipline, it can lower the "effective" interest rate to as much as half the original rate - as well as dramatically shortening the length of the loan term. It also allows the most flexibility. Should the borrower face a situation where times are rough or money is tight, they still have the luxury of making the lowest payment possible. An Example of a $50,000 Loan Interest Rate: 6.25% Term in Years: 15 years Payment Amount: $428.71 Total Interest Paid: $27.167.80 Now if this person added $50 to each monthly payment, he would change the repayment terms to: Effective Interest: 5.64% Term in Years: 12 years Total Interest Paid: $18,927.20 Interest Savings: $ 8,240.60 Now lets assume that this person added $150 to the monthly payment. Effective Interest: 2.66% Term in Years: 8 years Total Interest Paid: $5,556.17 Interest Savings: $21,611.63 Whats the Bottom Line? Comparing our last example of a consumer applying our hybrid system to an individual who took out an 8-year loan upon purchasing the same RV The hybrid system would have saved nearly 4% in interest over the initial 8-year financing. By shortening your loan term from 15 years to roughly 8 years, you have saved over $21,000 in interest. You have also reduced your "effective" interest rate to less than 3%. Plus, the buyer has paid off a 15-year loan in about 8 years! Even if they miss a few months of additional principal payments, they will still have saved thousands of dollars in finance charges. The additional $150 per month added to principal has saved about $78 per month over choosing an 8-year initial loan term. That equates to about $7,500 savings in payment amount over the course of the loan. What if I Dont Make the Additional Payment? The key to making a hybrid payment system work - is discipline. You must make the additional principal payment every month, or very close to it. You should be certain your scheduled payment amount plus any additional amount you plan to add toward principal is within your budget. Even if you intend to use a hybrid payment system, but never add an additional penny towards principal you will have simply paid off your loan in the same manner the majority of RV buyers choose. Barry Wilder - President Best Rate Financial Services RV Loans and Financing Barry Wilder has been associated with his family RV business for over 25years. He is currently the owner of Best Rate Financial Services, providingloans and refinancing for RVs, boats and aircraft. They also provide RV and Boat Warranties. This article may ONLY be reprinted in it's full original form and MUST contain the author's information and linking structure. Please notify us if you are an authority in a related field and would like to submit articles. We welcome your questions and comments. Info@bestrate-loans.com 573-442-4949 For our Loan Application - Click Here! © 1995 - 2005 Best Rate FinancialServices -- All Rights Reserved.

Recreation Vehicle Insurance

Aon Recreation Insurance -- Home | Contact Us | Privacy Policy | Site Map   About Us Request a Quote Insurance Coverage RV Seminars & Rallies Newsletters & Articles Customer Service Insurance Home RV Auto Medium-Duty Truck Watercraft Motorcycle/ATV Snowmobile Collector Car Umbrella Medical EmergencyPlus Mexico Insurance Vendor LiabilityCoverage for RVers Who Exhibit -- Classic Car -- Get an instant quote now. -- Does the rumble of a 427 big-block engine make your motor run? Does the mirror finish of a perfectly restored paint job on a 1959 Chevy Corvette make your heart race? If so, youre not alone. It is estimated that there are more than 4 million collector cars in the United States, and that number is growing every year. Whether youre already an avid collector or a first-time buyer, you may want to give some additional thought to insurance for your prized possession. You might think insuring it with regular auto insurance is easiest, but doing so is usually a mistake. Collector car insurance offers expanded coverage for the special nature of your vehicle at a fraction of the cost of standard auto insurance. For more than 40 years, our sister program, Aon Collector Car Insurance, has protected collector cars. Program Highlights: Minimal usage restrictions Unlimited mileage for all classes Agreed Value Coverage to protect your investment against depreciation Zero-dollar deductibles with the highest limits available Instant online quotes and application submission One-day-turnaround on most completed applications Qualifying Vehicles Use this guide to determine if your collector car is eligible for Aon Collector Car Insurance. Insurance Coverages Aon Collector Car Insurance provides comprehensive coverage for your investment. Find out more about our outstanding coverage. Use our instant quote calculator to figure your annual premium right now. Footer | Footer | Footer -- Insurance License Information © 2005 Aon Recreation Insurance

Motor Home

Winnebago Rialta Motor Home RV Winnebago/VW Rialta Motor Home If you plan on buying one of these, READ THIS FIRST I bought mine on 4-28-2000. So far as of May 25,2000 I haven't beenable to use it at all. On the way home from the Winnebago Dealership that I bought it from,the check engine light came on. I looked in the warranty pack that comes withthe new home and found that this was a problem for the Volkswagen people. Thewarranty states I could go to any Volkswagen dealer in the U.S. to have thewarranty repairs done. DON'T YOU BELIEVE IT!!!! I phoned all the VW dealerships in the Capital District(Albany NY) and none of them would work on the vehicle. After getting in touch with VW customer relations, the closestdealership was 125 miles away, that's a 250 mile round trip to have the problemchecked. I complained to both VW and Winnebago about this, and they just didn'tseem to care. The Winnebage stooge even told me that is not what the warrantysays, like I can't read!!!. I finally got an appointment with the VW dealer inOneonta NY (125 miles each way) on May 17, 2000, that's right, 20 days from thetime I bought the vehicle. I left the vehicle there on May 17, 2000 to have thefollowing problems fixed. Check Engine Light Engine Overheating light blinking with coolantloss in my driveway The power door locks didn't work at all Thewindshield rubber seal was coming off and inside the window the plastic waspoping off The right side running board feels and sounds like it is about tocrumble. The screen in the entrance door is coming apart Thepanels under the doors and just behind the doors had paint runs that lookedlike something my 12 year old had painted. Missing door seal near thelatch On May 22, 2000 I picked up the vehicle. The door lock wiring hadbeen burned beyond recognition, they fixed that. They replaced the O2 sensorwhich shut off the check engine light. They repaired leaking coolant lines atthe transmission. The rest of the stuff was either on order, or needed to beapproved by Winnebago. I was kind of satisfied that at least it was driveablenow. Well not quite. On the way home from the dealership, about 25 milesup the road, the check engine light came back on. We also noticed an odor and apst - pst - pst noise when we stopped for coffee. Seems like now the vehiclehas an exhaust leak, wonderbar!!!!. In the meantime I called the VW repairshopin Oneonta, and hopefully will be able to bring it back down in a week or twoto have it checked out and the other warranteed items replaced. For now it sitsin my driveway, 4 or 5 weekends gone without being able to use it. The customer relations gal at VW at least seemed to care, and did getme a VW dealer to work on it, but the winnebago people are simply fools. Theycould give a darn less about my problems. I phoned them on May 24, 2000 andasked if I could simply get a replacement vehicle (Read Lemon). The answer waswe don't replace vehicles. I now have about 500 miles on it, all driving fromthe selling dealer, and to and from the repair shop. I am now contacting alawyer concerning the lemon law. The vehicle has been basically out of servicesince the day I bought it. Counting today May 25, 2000, that's 28 days. By the way, I hold no ill against the VW dealership in Oneonta, theyhave been more than helpful in at least trying to work on the vehicle for me. Isimply dread driving all that way every time I have a warranty problem, majoror minor. I will continue the saga in the next few days, after I talk to anattorney. In the meantime, think twice about buying a Rialta. Call all your VWdealerships locally and make sure they can work on it. Get a list ofdealerships that can work on it nationwide if you plan on going anywhere otherthan to the local market. June 7, 2000 Update: VW sent a tow truck to my house on June 2nd. Thedriver never saw a Rialta before and said they would guarantee damage freetowing. He suggested it be flat bedded to the dealer, but he didn't want to doit as he thought it may be too tall for the underpasses. Hmmm I thought theywere sending a flat bed in the first place, so did VW. On June 6th they finallysent another towing company to see if they could tow it to Oneonta, N.Y. Thisguy is a heavy equipment mover, so he suggested it be put on a low boy trailer,the same type of trailer they mover heavy equipment with. The only problem is,they are too busy during the week, so they hopefully will pick it up on Fridayevening June 9th and bring it to the dealers on June 10th. Well maybe I willget to use this thing for 4th of July with much luck. In the meantime I received a list of VW dealers that will actuallyperform warranty service on the Rialta. There are only about 40 in the entireU.S. - Remember the warranty states "Any Volkswagen Dealer" This reallygives me confidence for a long trip huh?. Some states don't have any!!!. Sad thing is, if I lived in Oneonta NY, I never would have found thisout until I was in the middle of that long trip to Colorado. I bet there arequite a few owners out there who are lucky enough to be living close to aservicing VW dealer that don't know about this. All along Winnebago is the oneat fault here. June 9, 2000 - The Rialta was picked up and towed to the VW dealer inOneonta, NY June16, 2000 - Still waiting for the repairs to be made and theRialta returned to me. June 18, 2000 - Still waiting, it has been 9 days since it was towedto Oneonta, NY The saga will continue when (if) the Rialta is returned to me inrunning order. June 21, 2000 - The Rialta was delivered to my house. Everything thatwas broken, seems to be fixed. The VW Dealer in Oneonta, NY is excellent. Wehave only taken it on local trips, but the check engine light seems to bestaying off, so far. We will be taking it on a 4 day trip (about 1500 miles)next week. I just hope that if it breaks down, there will be a VW dealer thatwill work on it with a few miles (Ha Ha!!) June 25, 2000 - We decided to make the trip shorter, no confidence ingetting it repaired if had a breakdown. Put about 700 miles on it. Thank God,no breakdowns. I will keep everyone informed on a weekly basis. August 24, 2000 - Still in a holding pattern -- Went to GloucesterMA. this weekend. Checked the list of VW repair centers, but found no VW shopscapable of doing any repairs in NEW ENGLAND. So the Rialta sits in thedriveway. We took to car and stayed at a motel. We are seriously considering doing some planters and maybe some mulcharound the outside of the Rialta. What the hell, if it is going to become apermanent fixture in the driveway, we may as well make it look like it belongsthere. September, 2000 THE END !!!!! VW has refunded the entire purchase price including taxes andlicense fees and Attorney fees .. Questions or comments can beentered on our Rialta Bulletin Board Click here for the Message Board withcomments from owners Any comments on Rialta or Winnebago, you can email me at mailto:dscott2@nycap.rr.com Trail - Lite seems to have a great floor plan andreliable service Check it out at: http://www.trail-lite.com/b+floorfr.asp

RV Parts Superstore USED

Used Motorhomes and Other Consigned RV Sales - PPL Motor Homes The Largest RV Consignment Dealer in the USA The hassle free way to buy or sell used Motorhomes, 5th Wheels & Travel Trailers PPL Motor Homes has Sold Over 15,500 Consigned RVs since 1972. We also offer RV Insurance, Financing, Service and our RV Parts Superstore USED RVs FOR SALE Pictures, floor plans, descriptions and prices on over 175 Diesel Pushers , Motor Homes , Mini Motorhomes , Travel Trailers , and 5th Wheels for sale on PPL's huge 12 acre consignment lot. Updated daily! SELL YOUR RV We can help you sell your RV QUICKLY and at a FAIR PRICE ! We serve RV Sellers, Buyers and Owners Nationwide. View our RV Pricing information. RVs RECENTLY SOLD Compare your RV with over 1900 consigned RVs sold by PPL in the last 2 years from the largest RV Consignment facility in the U.S.A. RV PARTS SUPERSTORE Check out the everyday low and special sale prices on our many featured RV products. Order online or call our 800#. We ship nationwide. RV INSURANCE No Obligation Motor Home , Travel Trailer or 5th Wheel Quote - What you don't know about RV Insurance can cost you money! RV SERVICE Collision damage and insurance claims welcome on motor homes and recreational vehicles. FAQ Frequently asked questions about buying an RV, listing your RV for sale, financing and more! RV LINKS Visit sites relating to RVs MAP How to Find PPL...Map and Driving Directions . 10777 Southwest Freeway Houston, Texas 77074-1003 1-800-755-4775 (N.A.) (713)988-5555 (713)988-8447 FAX e-mail sales@pplmotorhomes.com Hours for PPL's Used RV Consignment Dealership, Parts Superstore and RV Insurance Mon-Fri 8am to 5:30pm CT Sat 9am to 4pm CT Closed Sunday PPL Motor Homes All Rights Reserved, 1997-2006 Revised: 01/05/2006 -- PPL Motor Homes 10777 Southwest Freeway (Highway 59 South) Houston, Texas 77074-9829 713-988-5555 1-800-755-4775 Hours: 8-5:30pm Mon-Fri 9-4 Central Saturday PPL Home | RVs for Sale | Steps to Buy | Sell Your RV | Insurance RV Parts Superstore Home | Service | About PPL | Photo Tour | Contact PPL PPL Motor Homes Houston, Texas All Rights Reserved, 1997-2006 Used RVs, Motor Homes, Motor Coaches Organized by Brands and Models RVs ( Recreational Vehicles ) Motorhomes 5th Wheels ( Fifth Wheels ) Travel Trailers Motorcoaches Buses or Diesel Antennas & Satelites King Dome & KVH Tracvision RV Satellites , Winegard TV Antennas , Satellite Finders , Satellite Locator , Satellite Meter Air Conditioners (Roof) Coleman , Carrier , Duo-Therm RV Air Conditioners , Marine Air Conditioners Awnings & Screen Rooms Awnings, Screen Rooms, Awning Parts and Accessories Gas Grills/Accessories BBQ Grills, Portable Cookers, Gas Lighters & Accessories Bikes and Bike Carriers Bikes, Bike Carriers, Racks & Ladders Recliners,Chairs,Tables Folding Recliners, Chairs, Tables, Camping Items Chemicals & Cleaners RV Toilet Chemicals, Enviro-chem, Aqua-kem & RV Cleaners Covers (RV,Tire,WindShield) RV Covers , Storage Covers , 5th Wheel Covers , Travel Trailer Covers , Windshield Covers and Tire Covers Directories & Books RV Directories, RV Books, RV Manuals, and the Next Exit Electrical (110 Volt) RV Power Cords , Outlets, Adapters and 110 Volt Electrical Electrical (12 Volt) RV Converters, Inverters, Chargers and 12 Volt Electrical Furnaces & Heaters Atwood , Suburban , and Olympian RV Furnaces and Parts Generators ( Onan RV ) Onan Generators , Onan Parts , Home Standby Generator , Residential Backup Generator and Onan Manuals Jacks, Levelers, Chocks Electric Trailer Jacks , Tongue Jack , Camper Jacks , Power Jacks Scissor Jacks , Stabilizers , Leveling Jacks , Wheel Chocks , Wheel Locks , Hydraulic Jacks LP Gas LP Gas Cylinders , LP Gas Parts and LP Gas Accessories Lights 12V RV Lights, Thin-Lites, Light Bulbs and Fluorescent Tubes Mirrors Towing Mirrors, Clip On and Cipa Mirrors Plumbing (Black Water) RV Toilets, Tanks, Plumbing and Sanitation Accessories Plumbing (Fresh Water) Flojet Pumps Shurflo RV Water Pumps , Filters, Fixtures and Water Tanks Refrigerators Norcold and Dometic Refrigerators and Refrigerator Parts Roofs & Roof Repair EPDM Rubber Roof , Roof Coatings, Sealants and Repairs Sealants & Adhesives Caulks, Sealants, Adhesives, Sealing Tapes and Repair Kits Solar Power Solar Power Kits and Solar Battery Chargers Steps & Mats RV Steps, Step Parts and Step Rugs Stoves/Ovens,Microwaves RV Stoves , Ovens, Microwaves , Gas Cooktops and Range Hoods Towing & Hitches Blue Ox & Roadmaster Tow Bars , Tow Dollies, BrakeBuddy , and Hitches Vents RV Vents, Vent Covers, Power Vents & Vent Parts Water Heaters & Parts Suburban and Atwood RV Water Heaters and Water Heater Parts Wheels & Suspension RV Wheel Covers, Simulators, Shocks, and RV Covers

Fleetwood RV Joins John

Newsroom: Press Release Welcome! [sign in to access My Fleetwood] My Fleetwood Luxury Coaches American Heritage American Eagle American Tradition Diesel Coaches Revolution Revolution LE Excursion Providence Discovery Bounder Diesel Expedition Gas Motor Homes Pace Arrow Southwind Bounder Flair Storm Terra Fiesta Mini Motor Homes Tioga Tioga SL Tioga SLX Jamboree Jamboree GT Jamboree GTX Travel Trailers Triumph Pride Terry Prowler Wilderness Mallard Pioneer Pegasus Orbit Toy Haulers GearBox Nitrous Hyperlite RedLine Folding Camping Trailers Destiny Americana Highlander Scorpion Evolution Element Media Resource Center Fleetwood RV Joins John Ratzenberger’s Made In America On The Travel Channel 12-15-05 Fleetwood RV, a leading manufacturer of recreational vehicles, today announced its collaboration with John Ratzenberger’s Made In America, the nationally syndicated show airing on the Travel Channel. The series spotlights American companies producing classic American products such as Coca-Cola, Jeep, Hawaiian Tropic, Wilson Sporting Goods and 3M. Fleetwood RV worked with Creative Differences, the series’ production company, to supply two Class A diesel motor homes, a 2006 Expedition 37U and Providence 39C. The motor homes served as traveling “living spaces” for the host, John Ratzenberger, and the film crew, making their extensive travel time more enjoyable and comfortable. The 2006 Expedition and Providence are part of Fleetwood RV’s 2006 line of Class A diesel motor homes. Designed to maximize function and space, they offer quality and comfort while maintaining style. Each unit’s sturdy construction and top-of-the-line amenities include a fully-functional kitchen, stylish bedroom and deluxe entertainment center incentives, which make them ideal for traveling for long periods of time. “Fleetwood RV is very pleased to participate in a reputable series like John Ratzenberger’s Made in America,” said Chris Braun, Executive Vice President of Fleetwood RV. “The show provides an ideal platform to showcase the functionality and style of Fleetwood RV products and to introduce their versatility to a broad audience with an avid interest in traveling.” John Ratzenberger’s Made in America airs on the Travel Channel Tuesday nights at 9 PM ET/PT. The series’ third season began airing on December 6, 2005. It is one of the most popular shows on the Travel Channel, posting a ratings gain of 67 percent from last year. “Fleetwood RV is an integral part in making the third season of John Ratzenberger’s Made in America a success,” said Shayne Lewin of Creative Differences. “It is entirely fitting that a quality American company offers their services for a show celebrating American companies and the people behind them.” Fleetwood RV was featured in an episode from the series’ second season, which featured John Ratzenberger touring the company’s Riverside motor home manufacturing plant and paint facility. Ratzenberger finished the segment by driving a finished Pace Arrow motor home right off the assembly line. About John Ratzenberger’s Made in America John Ratzenberger’s Made in America is a nationally syndicated show on the Travel Channel, focusing on stories of the best people, places and products in the United States. The program (airing Tuesdays beginning at 9:00 p.m. EST) spotlights distinctively American companies and products, and the unique niche each has found in pop culture. The show has featured such flagship American companies as Harley Davidson, Crayola and Campbell’s Soup. Now in its third season, John Ratzenberger’s Made in America will feature such companies as Samuel Adams Beer, Diamond Matches, Tootsie Roll Industries, Inc., Kitchen Aid, Kohler, and Pendleton Wooden Mills. About Fleetwood Enterprises Fleetwood RV is a division of Fleetwood Enterprises, Inc. (NYSE:FLE), a leading manufacturer of recreational vehicles and a leading producer of manufactured housing. Fleetwood’s recreational vehicle line includes motor homes, travel trailers, fifth wheels, truck campers and folding trailers. Fleetwood RV products are distributed through a nationwide network of more than 1,200 dealers. For more information on Fleetwood Enterprises, visit our website at www.fleetwood.com or call 1-800-322-8216. « Media Center Home Home | Contact Us | Owners Clubs | Plant Tours | Your Privacy | About this Site Fleetwood RV Store | Fleetwood.com | Employment | Website Feedback