Buying any kind of recreational vehicle (RV) is a big financial as well as life-changing decision that you need to think through well before you take the plunge.
Today, a lot of adventure seekers are considering buying a mini motorhome because it is light, easily towable, and it will accompany them during their adventures through rough terrain.
There are so many types, models, and price ranges of mini motorhomes that it is normal for you to get confused and overwhelmed when it comes to choosing one.
So, here is an essential guide that will tell you what factors you need to consider while you check out the mini motorhomes that are for sale.
Should you buy a new mini motorhome that is for sale or a used one?
This question might cause sleepless nights for many buyers. For finding the answer to this question, you need to ask yourself what you will use the motorhome for, your budget, and which technology and features you need in your motorhome.
If you are buying an RV for the first time, then it is best to get a used model. Buying a used model is great for those people who plan to remodel the RV. However, if you are looking for customized features and a full manufacturers warranty, and you are someone who cannot be bothered to deal with any damage issue, then invest in a new mini motorhome.
Just remember that new mini motorhome will cost you a fortune, and the insurance premiums will be much higher compared to those of used ones.
What are your financing options?
Before you make the purchase, check with your bank and credit unions and ask what kind of loan they are ready to give you. By doing so, you will be well prepared if you must make a quick purchase without having to depend on your dealer’s choice of lender or bank.
Note that because almost all mini motorhomes that are for sale have basic features like beds, kitchen and, a bathroom, the Internal Revenue Service department considers it to be your home. Hence, the interest you pay on the loan might be tax deductible for a home mortgage.
How to get the best deals at the mini motorhomes that are for sale?
Do a thorough amount of research before you go to the dealer’s shop. This will help you get an idea of the current market price of the vehicle and will help you get a better deal. Search online for better deals and don’t shy away from personally going and checking out the mini motorhomes that are for sale at multiple stores and garages.
Your expense does not end after you buy the vehicle. Think about factors like maintenance, parking, repair, and insurance before you purchase a mini motorhome.
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Enjoy superior safety with Chevrolet Malibu
Read moreThe Chevrolet Malibu comes with a superior prevent-protect-respond safety technology. The prevent part offers features that entirely help to avoid collisions with the aid of intelligent and proactive automotive safety technologies. Some of these technologies include the StabiliTrak Electronic Stability Control System, a basic standard for all Chevrolet vehicles. It helps increase the safety levels as well as the driver’s confidence by helping the driver control the vehicle in low-traction driving conditions. Some other preventative features include Front/Rear Park Assist, Standard Rear Vision Camera, Forward Automatic Braking, Adaptive Cruise Control, Front Pedestrian Braking and Lane Keep Assist with Lane Departure Warning.
The protect part of the Chevrolet Malibu is a follow up of the preventative safety technology. Though the latter helps avoid a collision, an array of protective safety features have also been built into the vehicles to help protect the driver and the passengers in the case of a crash or collision. This is done with the aid of a strong inbuilt vehicle structure that can help absorb and dissipate crash impact momentum. Sensitive, innovative air bag technologies further add an extra degree of protection.
The construction of the vehicle itself is durable and sturdy, owing to the high-strength steel and other alloys used in the Chevrolet vehicle structures. This helps maximize protection without disturbing the logistics of engine efficiency, vehicle weight and performance.
The safety cages are designed to help absorb and channel crash impact energy while directing it away from the cabin and its occupants. Other restraint systems include the LATCH (Lower Anchors and Top Tethers for Children) system, safety belts and air bags–all of which come together to help to reduce the risk of injury in a collision.
OnStar Automatic Crash Response is the technology used for the response aspect of Chevrolet Malibu’s safety. The OnStar Advisor can be automatically alerted by the built-in sensors, which is immediately connected to the vehicle in case assistance is required. Even without a response, an OnStar Advisor uses GPS technology to pinpoint the exact location of the vehicle and request emergency help.
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What you need to do after the tax season
Read moreAll the taxpayers may feel relaxed after the tedious task of filing and submitting the tax papers thinking that you need not worry about tit for a next few months. On the contradictory, it is the perfect time to start planning and preparing for the upcoming tax return. Initial planning is the best way to lower the tax bills. It does not mean that you have to get working on it but at the same time, you won’t neglect these few things that you can do right now to save some more money in your wallet.
Engage in company’s retirement program
Ensure that you take a positive control of your company’s retirement plan. More often you might receive matching contributions by your manager up to a certain amount which is primarily free money. If you ever thick that being a part of your company’s retirement plan would let you contribute more, your ultimate goal should be to increase the money you can pay into retirement. Suppose if you get a raise in income this year, make a decision to live off with the same monthly income and invest the additional funds to increase retirement contributions.
Adjust with withholdings
If you end up paying large tax or huge tax refund signifies that it is time to adjust your withholdings. Most of the financial advisors suggest not to overpay your taxes which in hand provides the government with a free loan. Yet it can serve as a compulsory savings rule by which the round-up amount that you receive at the end of every year can be invested or saved. It is probably insignificant to calculate the amount that you have been saving within a limited time frame of 12 months and the money you may not have saved at all.
Medicare saving is a clever choice
Medicare savings accounts are a highly deductible savings account that allows you to pay for eligible medical expenses with tax-free dollars. You can max out what you put into it at $6,750 for a family. If this saving tool is suitable for your situation the health savings accounts can offer enormous tax advantages that you can easily take an upper hand of. These savings tools provide triple tax advantages: Money goes in tax-free, money grows tax-free and money used toward eligible medical expenses is never taxed.
Make charitable contributions
If you are an employee who often makes charitable contributions (church, orphanage, alma mater, politics and social benefits) there is a high scope for tax deductions. This could be one of the ways the government shows generosity to their taxpayers. Before the end of this year is the right time to distribute some funds and plan for gifts and donations you want to make for the year. Plan your giving, ahead of time and make it beneficial and meaningful for the person receiving it. This way you could gain more intrinsic value than the monetary tax advantages of giving.