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Old 09-17-2011, 08:27 AM   #85
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dznf0g (post#83), has the right perspective on this, if you ask me....
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Old 09-17-2011, 11:25 AM   #86
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I agree the family travel is a wonderful experience. We did it in a used VW camper, bought without financing.

doug k
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Old 09-17-2011, 11:55 AM   #87
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To me, the most important thing is to get out and have fun while you can. Wait, wait, wait wait....for what, cancer, heart attack the world economy collapsing into a depression? That said, don't be stupid about it, buy what you can afford and still sleep at night. Many "inexpensive" trailers AS or SOB will give you lots of fun. We purchased a '99 Safari in 2010. Paid 15k and it was in pretty much perfect shape except for a small area of wood rot in the rear trunk, THANKS AIRSTREAM...(that's another topic). PO had installed new cork floors and did a beautiful job. I put on new tires (need due to age) and new alum wheels (not need, couldn't stand the ugly factory steel wheels). Put in a new water pump, the old one was fine, but too noisy for me. Got rid of the factory charger, again I didn't have to, but I wanted a nice 3 stage IOTA. Anyway, I would venture to guess that we have had as much fun in that trailer as we would have spending 50-60k a a new one, that would be worth maybe, what? 40K or so now. I could sell mine today for more because I added solar panels and I know I could recover that cost and likely the cost of my other upgrades. My point is, if you have to crunch numbers to death to justify a purchase, then you likely shouldn't buy it. Instead there are lots of nice used, useable Airstreams out there. Or if you want something new, plenty of nice SOBS....yep lots of nice SOBS. We purchased out 23' Jayco Kiwi hybrid new in '04 for $11,600 from a dealer via ebay (List $18k+). Perfect transaction BTW. We used it a lot for 6 years and sold it last year for 6k, 1k a year depreciation. We had tons of fun in that trailer and are having tons of fun it our AS. If we wanted new, I likely would have purchased a nice new Jayco for under 20k and had the same fun that anyone is having with their AS, except I wouldn't have that whole cool factor.....which I like having too. However I restate: BUY WHAT YOU CAN AFFORD, if you have to juggle too many numbers and ask too much advice and finance for 10 or 15 years (and need that term to pay it off), you likely should think twice about whatever it is that you want. Heck you can have fun in a pop up if need be! Just get out there while you can!
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Old 09-17-2011, 12:18 PM   #88
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Well said
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Old 09-17-2011, 12:51 PM   #89
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As a CFP I often tell my clients to spend money on things that provide either education or experiences.

An airstream thats regularly used sure fits that description.
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Old 09-17-2011, 12:54 PM   #90
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That's the same advise my proctologist gives to his patients.
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Old 09-19-2011, 07:42 AM   #91
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A lot has been written on how to finance our toys. What works for one may not be the best fit for someone else However I would just say don't fall in the category of " I wish, I could a, should a" I also know that life can turn on a dime and then it may become to late to do it.
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Old 09-19-2011, 08:39 AM   #92
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Bike Addict, dznf0g and Others

You folks hit the nail on the head. As Nike says just do it. Cash or credit, new or used, size does not matter, just go for it and start building memories with your family.

I love to camp- I prefer the Stream but can also camp in a tent if the situation warrents.

Dan
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Old 09-19-2011, 09:04 AM   #93
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It is not rocket science, it is simple math . If you have the cash to buy something then:

Pay cash (or pay off the loan) when loan rate is higher than investment rate

Finance when investment rate is higher than loan rate
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Old 03-25-2013, 10:31 PM   #94
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I want to thank all you (taxpayer - including myself) for paying for my Airstream with my military/VA retirement.
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Old 03-26-2013, 12:50 AM   #95
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Just my two cents: Retired and plan on using my Cloud 25 3-4 months a year. I financed because my return on investments is greater then my loan (4.5% loan). Also not really concerned if it is ever paid off. Cash is King so I like to hang onto the cash. Needless to say the payments should not place a hardship on the buyer. Be comfortable with the payments or save for a bigger down payment.
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Old 03-26-2013, 07:28 AM   #96
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i believe interest on you airstream is tax deductible anyway.

Quote:
Interest on a first and second home qualifies for the home mortgage interest deduction on Schedule A. The IRS considers boats and RVs to be a home so long as they contain sleeping, cooking and bathroom facilities.
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Old 03-28-2013, 12:10 PM   #97
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Quote:
Originally Posted by NJtoNC View Post
i believe interest on you airstream is tax deductible anyway.
Remember that this only matters if you itemize deductions.

Dan
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