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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.

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Bartrak - Australia Campervan and Motorhome rental hire in Melbourne, Sydney, Adelaide, Brisbane & Cairns (australian campervan, australian motorhome, australian campervan, australian motorhomes, australian campervan hire, australian campervan rental) - Home Page home about us vehicles for rent SPECIAL DEALS ask for a quote terms & conditions general enquiries make a booking testimonials faqs links vehicles for sale trip planner Email info@bartrak.com.au Telephone + 61 3 9769 9970 Telephone within Australia 1300 300 029 Fax + 61 3 9769 9975 Head Office 30 Enterprise Ave, Berwick, Melbourne VIC AUSTRALIA 3806 Available From : Melbourne Sydney Brisbane Cairns Adelaide Perth 2 Berth 3 berth 4 Berth 5 Berth 6 Berth G'day!! Welcome to Australia and welcome to Bartrak's web site for campervan and motorhome rentals. From the rugged beauty of the outback to the wild and spectacular coastlines, from the tranquillity and splendour of the rainforests to the bright lights of our cosmopolitan cities, Australia is truly a land of many contrasts. Together with our unique variety of native wildlife, which at times will be equally as inquisitive of you as you are of them, Australia is truly a land that you will want to discover for yourself. Retrace the steps of our early explorers 200 years ago and witness the grandeur of our untouched landscapes. Marvel at the tradition and history of the Aboriginal culture and learn the stories of their Dreamtime ancestors. In your own campervan or motorhome from Bartrak, we offer you the economy, flexibility and independence required to explore all the treasures and wonders of our vast island continent in style and luxury. With 7 different categories of purpose built vehicles to select from as well as depots and agencies throughout Australia, Bartrak is sure to fulfil your needs. Your campervan or motorhome can be collected from our conveniently located rental and hire depots which are located throughout Australia in Melbourne, Sydney, Brisbane, Adelaide, Cairns and Perth. This site is best viewed in 1024 x 768 resolution

RV Campground

Idaho Campgrounds and RV Parks IdahoTraffic Information Click Map for full size | Home | Hot Links | AddYour Park to the Directory | Go to another State Select State Canada International Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersy New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming National Park Service Trailer Life Magazine NADA Guides RV Insurance Select Cities Select Cities beginning With A - C D - F G - I J - L M - O P - R S- V W - Z Recreation.Gov Go RVing RV Consumer Group Funroads.Com Albion Thompson Flat/Sawtooth Nat Forest 208-678-0430 American Falls Indian Springs Campground 208-226-2174 Massacre Rocks State Park 208-548-2672 Willow Bay Rec Area RV Park 208-226-2688 Arco Carroll's Travel Plaza & RV Park 208-527-3504 Craters of the Moon Ntl Park 208-527-3257 Mountain View RV Park 1-800-845-1460 Bayview Lakeland RV Park Phone Number 208-683-4108 Map of area Updated 5/26/2005 Visit our Web Page Send Email Directions: From I-90 take exit 12 to Highway 95 North towards Sandpoint. Travel 18 miles to Highway 54 at Athol(Mile Post 449) Turn Right go 8 miles through Farragut State Park to beautiful downtown Bayview. Go through Bayview 1/4 mile to Lakeland RV Park. Located next to the Post Office on the right. Additional Features: Come and enjoy our serine setting by a year round creek. Our pavillion includes BBQ, utility sink, microwave and more. It is great for group funtions.1/4 mile from lake. Total Sites 26 CATV Yes Full Hookups 26 Camp Store No 20 / 30 Amp Electric 0 / 4 Restrooms & Showers Yes 50 Amp Electric 22 Pool No Pull Thrus 9 Dump Station Yes Back-Ins 17 Laundry No Interior Roads Gravel Dates Open All Year Rates $25.00 Daily $140.00 Weekly $325.00 Monthly Modem Friendly Yes Pets Allowed Yes Bayview Waterford Marinas and RV Parks Phone Number 208-683-2213 Fax 208-683-2317 Updated 6/6/2005 Visit our Web Page Send Email Map of area Directions: From I-90 take exit 12 to Highway 95 North towards Sandpoint. Travel 18 miles to Highway 54 at Athol.(milepost 449) Turn right and go east 8 miles through Farragut State Park to beautiful downtown Bayview on the shores of Lake Pend Oreille Additional Features: Warterford Marinas offer Boileau's, Vista Bay, and Bayview Marina located along the shores of Lake Pend Oreille. Amenities include RV slips, boat moorage, launch, gas, condos, restaurants and watercraft rentals Total Sites 29 CATV Yes Full Hookups 29 Camp Store Yes 20 / 30 Amp Electric 0/0 Restrooms & Showers Yes 50 Amp Electric 29 Pool No Pull Thrus 0 Dump Station No Back-Ins 29 Laundry Yes Interior Roads Gravel and Grass Dates Open All Year Rates $20 - $40 Daily $190 - $260 Weekly $726 - $1000 Monthly Modem Friendly No Pets Allowed Yes Caldwell Caldwell Campground and RV Park Phone Number 208-454-0279 Fax 208-454-1956 Updated 3/29/2005 Visit our Web Page Send Email Maps Directions: I 84 Exit 26, follow campgrounbd signs Additional Features: Pull thru sites, laundry facilities, restrooms. showers, propane, 30, 50 amp, tent sites, 7 1/2 acre Lake, pets welcome, open all year. Total Sites 118 CATV Yes Full Hookups 95 Camp Store Yes 20 / 30 Amp Electric 0 / 64 Restrooms & Showers Yes 50 Amp Electric 30 Pool No Pull Thrus 50 Dump Station No Back-Ins 45 Laundry Yes Interior Roads Gravel Dates Open All Year Rates Call for Rates. Modem Friendly Yes Pets Allowed Yes Challis Challis All Valley RV Park 208-879-2393 Coeur D' Alene Boulevard Motel & RV Park 208-664-4978 Coeur D' Alene KOA 208-664-4471 Robin Hood RV Park 208-664-2306 Coeur D'Alene North/Hayden Lake KOA 1-800-562-9503 Return to top Coeur D' Alene Lakeland RV Park Phone Number 208-683-4108 Map of area Updated 5/26/2005 Visit our Web Page Send Email Directions: From I-90 take exit 12 to Highway 95 North towards Sandpoint. Travel 18 miles to Highway 54 at Athol(Mile Post 449) Turn Right go 8 miles through Farragut State Park to beautiful downtown Bayview. Go through Bayview 1/4 mile to Lakeland RV Park. Located next to the Post Office on the right. Additional Features: Come and enjoy our serine setting by a year round creek. Our pavillion includes BBQ, utility sink, microwave and more. It is great for group funtions.1/4 mile from lake. Total Sites 26 CATV Yes Full Hookups 26 Camp Store No 20 / 30 Amp Electric 0 / 4 Restrooms & Showers Yes 50 Amp Electric 22 Pool No Pull Thrus 9 Dump Station Yes Back-Ins 17 Laundry No Interior Roads Gravel Dates Open All Year Rates $25.00 Daily $140.00 Weekly $325.00 Monthly Modem Friendly Yes Pets Allowed Yes Coeur d' Alene Area Squaw Bay Resort Phone Number 208-664-6782 Map Updated 2/8/2005 Visit our Web Page Send Email Directions: I-90 Exit 22, South on Hwy 97 7 miles to Squaw Bay Resort Additional Features: Lakefront RV Sites, Full Service Marina with Boat rentals, Convenience Store, Car and Boat Gas, Propane and Diesel Total Sites 50 CATV No Full Hookups 11 Camp Store Yes 20 / 30 Amp Electric 39 / 28 Restrooms & Showers Yes 50 Amp Electric 0 Pool Lake Swimming Pull Thrus 2 Dump Station Yes Back-Ins 6 Laundry Yes Interior Roads Paved and Gravel Dates Open April 15th - October 1st Rates $26 -$30 Daily Modem Friendly No Pets Allowed No Coeur d Alene area Waterford Marinas and RV Parks Phone Number 208-683-2213 Fax 208-683-2317 Updated 5/25/2005 Visit our Web Page Send Email Map of area Directions: From I-90 take exit 12 to Highway 95 North towards Sandpoint. Travel 18 miles to Highway 54 at Athol.(milepost 449) Turn right and go east 8 miles through Farragut State Park to beautiful downtown Bayview on the shores of Lake Pend Oreille Additional Features: Warterford Marinas offer Boileau's, Vista Bay, and Bayview Marina located along the shores of Lake Pend Oreille. Amenities include RV slips, boat moorage, launch, gas, condos, restaurants and watercraft rentals Total Sites 29 CATV Yes Full Hookups 29 Camp Store Yes 20 / 30 Amp Electric 0/0 Restrooms & Showers Yes 50 Amp Electric 29 Pool No Pull Thrus 0 Dump Station No Back-Ins 29 Laundry Yes Interior Roads Gravel and Grass Dates Open All Year Rates $20 - $40 Daily $190 - $260 Weekly $726 - $1000 Monthly Modem Friendly No Pets Allowed Yes Filer Glenns Ferry Trails West RV Park 208-366-2002 Gooding Shoshone Indian Caves 208-886-2058 Grangeville / Riggins Area Angel's Nook RV Park Phone Number 208-839-2880 Fax 208-839-2888 Updated 12/28/2004 Visit our Web Page Send Email Map Directions: From Highway 95, take White Bird Exit, Mile 223 1/2, then left at the stop sign, then quick right at motel. Entrance is 100 ft on the right Additional Features: Walk to restaurants, gift and coffee shop,. Historical areas with great walking trails, only 17 driving miles to heart of Hell's Canyon. Jet Boat tours, large meeting room available nearby. Total Sites 12 CATV No Full Hookups 12 Camp Store No 20 / 30 Amp Electric 0 / 12 Restrooms & Showers No 50 Amp Electric 0 Pool No Pull Thrus 0 Dump Station Yes Back-Ins 12 Laundry Yes Interior Roads Gravel / Grass Dates Open All Year Rates $18.00 Daily $108.00 Weekly $175.00 + Elect. Monthly Modem Friendly Yes Pets Allowed Yes Christmas Ranch RV Resort Phone Number 208-983-2383 Fax 208-983-2384 Updated 5/3/2005 Visit our Web Page Send Email Map Directions: 3/4 mi. south of Grangeville at corner of Hwy 95 and Fish Hatch Road Additional Features: 21 pull thru full service sites, showers, laundry, restrooms, RV dump, satellite TV, Wireless Internet, 30 & 50 amp to all sites, credit cards OK, reservations, tent campers welcome Total Sites 21 CATV Yes Full Hookups 21 Camp Store No 20 / 30 Amp Electric 21 / 21 Restrooms & Showers Yes 50 Amp Electric 21 Pool No Pull Thrus 21 Dump Station Yes Back-Ins 0 Laundry Yes Interior Roads Gravel Dates Open Spring, Summer, Fall Rates $25.00 Daily Modem Friendly Yes Pets Allowed Yes Grangeville Area Swiftwater RV Park and Store Phone Number 208-839-2700 Map on website Updated 2/14/2005 Visit our Web Page Send Email Directions: Traveling south. approx. 25 miles from Grangeville in North Central Idaho on HWY 95. Take HAMMER CREEK Recreational Area Exit (this is one exit south of the first White Bird exit). Travel west on Old Hwy 95 about 1/2 mile. Park is on the left, at the foot of the Silver Bridge crossing the Salmon River. Traveling North from Riggins, we're also about 25 miles up HWY 95; take same exit and follow above directions. Additional Features: Beautifully landscaped park on Salmon River; all sites are level. 10 sites face Salmon River. OK to wash RV. Excellent fishing. Only 17 miles from Hells Canyon. Near great Hunting, rafting & jet boating. Tents welcome. Immaculate restrooms, showers, and laundry. Full Service Grocery Store, Propane and Ice. Daily, Weekly and Monthly stays welcome. Total Sites 25 CATV Yes Full Hookups 25 Camp Store Yes 20 / 30 Amp Electric 25 / 25 Restrooms & Showers Yes 50 Amp Electric 8 Pool No Pull Thrus 8 Dump Station Yes Back-Ins 13 Laundry Yes Interior Roads Graveled and level Security Yes Dates Open All Year Rates Modem Friendly No Pets Allowed Yes Return to top Hells Canyon Hells Canyon Jet Boat Trips, Lodging & RV Park Phone Number 208-839-2255 or 1-800-469-8757 Map of area Updated 12/17/2004 Visit our Web Page Send Email Directions: Take White Bird exit from Hwy 95, then left at stop sign. 1 mile . Additional Features: Drive into center of Hells Canyon, Deepest gorge in North America, only 17 miles. Boat Tours Total Sites 18 CATV No Full Hookups 18 Camp Store No 20 / 30 Amp Electric 0 / 18 Restrooms & Showers Yes 50 Amp Electric 0 Pool No Pull Thrus 4 Dump Station Yes Back-Ins 14 Laundry Yes Interior Roads Gravel Dates Open All Year Rates $22.00 Daily $110.00 Weekly $330.00 Monthly Modem Friendly No Pets Allowed Yes Hayden Alpine Country Store & RV Park 208-772-4305 Homedale Snake River RV Resort 208-337-3744 Hope Beyond Hope RV Park 208-264-5251 Island View RV Park 208-264-5509 Return to top Idaho Falls Snake River RV Park and Campground 1-866-862-3266 1/14/05 Sunnyside Acres Park 208-523-8403 Island Park Sawtelle Mountain Resort 4133 Lodgepole, P.O. Box 338 Island Park ID 83429 Phone: 208-558-9366 WebPage: www.sawtellemountainresort.com Email: sawtelle@fretel.com Updated 11/22/2004 Map Kamiah Lewis-Clark Resort 208-935-2556 Kellogg Kellogg/Silver Valley KOA Box 949 Pinehurst, ID 83850 Phone: 208-682-3612 www.kelloggsilvervalleykoa.com Email: kellogg.koa@usamedia.tv Updated 1/26/2005 Map Ketchum Sun Valley RV Resort 208-726-3429 Lewiston Area Granite Lake RV Resort Phone Number 509-751-1635 Updated 9/21/04 Visit our Web Page Send Email Directions: Printable map and directions on the web-site Additional Features: Beautiful & quiet & only three blocks to town. 22 miles of walking/biking path. Free WiFi,plus Modems. Pets allowed up to two. Large new clubhouse for Rallys. Lawns & patio each site. Four Gazebo's w/bbq's. Lake, mountain & sunset views..All three blocks from town. Total Sites 75 CATV Yes Full Hookups 75 Camp Store No 20 / 30 Amp Electric 75/75 Restrooms & Showers Yes 50 Amp Electric 75 Pool No Pull Thrus 18 + 13 Pull-ins Dump Station No (All Full Hookups) Back-Ins 44 Laundry Yes Interior Roads Paved Security Yes Dates Open 3/1 - 11/30 Rates $20.00 - $31.00 Daily Modem Friendly Yes Pets Allowed Yes Return to top Mountain Home Fort Running Bear Resort Park P.O. Box 909 Mountain Home, ID 83647 Phone: (208) 653-2494 WebPage: www.fortrunningbear.com Email: ftrunningbear@aol.com Updated 1/15/2005 Mapof Area Nampa Mason Creek RV Park 208-465-7199 Northern Idaho Squaw Bay Resort Phone Number 208-664-6782 Map Updated 2/8/2005 Visit our Web Page Send Email Directions: I-90 Exit 22, South on Hwy 97 7 miles to Squaw Bay Resort Additional Features: Lakefront RV Sites, Full Service Marina with Boat rentals, Convenience Store, Car and Boat Gas, Propane and Diesel Total Sites 50 CATV No Full Hookups 11 Camp Store Yes 20 / 30 Amp Electric 39 / 28 Restrooms & Showers Yes 50 Amp Electric 0 Pool Lake Swimming Pull Thrus 2 Dump Station Yes Back-Ins 6 Laundry Yes Interior Roads Paved and Gravel Dates Open April 15th - October 1st Rates $26 -$30 Daily Modem Friendly No Pets Allowed No Return to top Osburn Blue Anchor RV Park 208-752-3443 Pinehurst Kellogg/Silver Valley KOA Box 949 Pinehurst, ID 83850 Phone: 208-682-3612 www.kelloggsilvervalleykoa.com Email: kellogg.koa@usamedia.tv Updated 1/26/2005 Map Pocatello Cowboy RV Park 208-232-4587 Downata Ranch & Recreation 208-897-5736 Pocatello KOA 1-800-562-9175 Post Falls Suntree RV Park 208-773-9982 Spirit Lake Silver Beach Resort PO Box 38 Spirit Lake ID 83869 Phone: 208-623-4842 WebPage: www.silver-beach-resort.com Email: info@silver-beach-resort.com Updated 4/17/2005 Directions Twin Fall White Bird Angel's Nook RV Park Phone Number 208-839-2880 Fax 208-839-2888 Updated 12/28/2004 Visit our Web Page Send Email Map Directions: From Highway 95, take White Bird Exit, Mile 223 1/2, then left at the stop sign, then quick right at motel. Entrance is 100 ft on the right Additional Features: Walk to restaurants, gift and coffee shop,. Historical areas with great walking trails, only 17 driving miles to heart of Hell's Canyon. Jet Boat tours, large meeting room available nearby. Total Sites 12 CATV No Full Hookups 12 Camp Store No 20 / 30 Amp Electric 0 / 12 Restrooms & Showers No 50 Amp Electric 0 Pool No Pull Thrus 0 Dump Station Yes Back-Ins 12 Laundry Yes Interior Roads Gravel / Grass Dates Open All Year Rates $18.00 Daily $108.00 Weekly $175.00 + Elect. Monthly Modem Friendly Yes Pets Allowed Yes White Bird Hells Canyon Jet Boat Trips, Lodging & RV Park Phone Number 208-839-2255 or 1-800-469-8757 Map of area Updated 12/17/2004 Visit our Web Page Send Email Directions: Take White Bird exit from Hwy 95, then left at stop sign. 1 mile . Additional Features: Drive into center of Hells Canyon, Deepest gorge in North America, only 17 miles. Boat Tours Total Sites 18 CATV No Full Hookups 18 Camp Store No 20 / 30 Amp Electric 0 / 18 Restrooms & Showers Yes 50 Amp Electric 0 Pool No Pull Thrus 4 Dump Station Yes Back-Ins 14 Laundry Yes Interior Roads Gravel Dates Open All Year Rates $22.00 Daily $110.00 Weekly $330.00 Monthly Modem Friendly No Pets Allowed Yes White Bird Swiftwater RV Park and Store Phone Number 208-839-2700 Map on website Updated 2/14/2005 Visit our Web Page Send Email Directions: Traveling south. approx. 25 miles from Grangeville in North Central Idaho on HWY 95. Take HAMMER CREEK Recreational Area Exit (this is one exit south of the first White Bird exit). Travel west on Old Hwy 95 about 1/2 mile. Park is on the left, at the foot of the Silver Bridge crossing the Salmon River. Traveling North from Riggins, we're also about 25 miles up HWY 95; take same exit and follow above directions. Additional Features: Beautifully landscaped park on Salmon River; all sites are level. 10 sites face Salmon River. OK to wash RV. Excellent fishing. Only 17 miles from Hells Canyon. Near great Hunting, rafting & jet boating. Tents welcome. Immaculate restrooms, showers, and laundry. Full Service Grocery Store, Propane and Ice. Daily, Weekly and Monthly stays welcome. Total Sites 25 CATV Yes Full Hookups 25 Camp Store Yes 20 / 30 Amp Electric 25 / 25 Restrooms & Showers Yes 50 Amp Electric 8 Pool No Pull Thrus 8 Dump Station Yes Back-Ins 13 Laundry Yes Interior Roads Graveled and level Security Yes Dates Open All Year Rates Modem Friendly No Pets Allowed Yes Return to top

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