www.50stateautoinsurance.com Some of the tourist sites we came across on our travel medical insurance trip in Euroland

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If there is a way to get in your RV, water will find it. Water leaks on an RV can cause extensive damage and can be extremely costly to repair. When I worked at an RV dealership I saw the damaging effects that water can cause to an RV time and time again. I learned the lesson the hard way. I appraised a unit that was being traded in and didn’t identify the extensive water damage, which resulted in a thousand dollars worth of repairs. Hindsight is 20/20 and I quickly learned how to inspect for, and identify potential water damage on RVs. My recommendation is that you inspect for potential water leaks twice a year at a minimum, once in the fall and again in the spring.

Every seam on your RV and anywhere the manufacturer cut a hole in your RV has the potential to allow water in. To protect your investment and your wallet take the time to REALLY inspect all of these seams and sealants. Water damage on an RV is similar to progressive damage to a tire. The outside of the tire looks fine, but the internal damage over a long period of time causes the tire to fail without any warning. The outside of your RV looks fine but the internal damage caused by water over a long period of time can result in the entire roof, floor or wall rotting away without you knowing it. Here are a few things to look for during your inspections.

Always keep safety on your mind when you are working on the roof of your RV You can be seriously injured from a fall! A reader of mine suggested that you use 2 pieces of 1/2″

plywood, 2 foot by 4 foot, to move around on and spread your weight out over the

roof rafters.

* To stop a leak before it starts, thoroughly inspect all roof and body seams. Consult with your RV dealer for sealants compatible with different types of roofing materials.

* Look for any discoloration and feel for any soft spots on the ceiling around roof vents, air conditioners, TV antennas, plumbing vents, and any other openings that were cut in the roof.

* Look for any discoloration or wrinkles in the wallpaper, and feel for any soft spots on the walls around all windows, doors, vents, slide outs, or any other openings that were cut in the side walls.

* Identify the location of items like the water heater, furnace, outside shower, potable water fill and city water inlet on the outside of the RV and then access those areas from the inside of the RV and look for any indications of water damage around these openings.

* Open all overhead cabinets and look in the top corner where the walls meet the ceiling for any discoloration or feel for any soft spots. This would indicate a leak at the seam where the sidewall and the roof attach.

* Check in all outside storage compartments for any indications of water leaks or water damage.

* Check for any soft spots on the roof itself especially around the roof seams at the front and rear of the RV. Thoroughly inspect all sealants on the roof around every opening.

* Some Class C motor homes are notorious for leaks in the cab over bed area. Look for any signs of discoloration and feel for soft spots. Reach under the mattress and feel for water.

* Look and feel on the outside of the RV for any signs of delaminating. Delaminating is caused by water getting between the exterior fiberglass and the sidewall. When this happens the exterior fiberglass separates from the sidewall of the RV. You can stand at the front or rear of the RV and look down the side for any noticeable ripples or what looks like a bubble. You can also press on the sidewalls. If you feel the exterior fiberglass move it is delaminating. Often times delaminating starts around where an opening that was made in the sidewall.

Don’t just inspect your RV for water damage; REALLY inspect your RV for water damage. If you do this on a regular basis you can locate and repair the source of any water damage before it has a chance to do a great deal of damage. I think I’ll start checking our motor home more than twice a year.

Happy Camping,

Mark

Copyright 2006 by Mark J. Polk owner of RV Education 101

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Holiday insurance: Make sure you’re protected.

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HR 1633 – Farm Dust Regulation Prevention Act of 2011 (Rep. Noem – Energy and Commerce)(Subject to a Rule) The Rule provides for one hour of general debate and makes in order the following amendments: Rep. Rush Amendment (10 minutes of debate) Rep. Christensen Amendment (10 minutes of debate) Rep. Crawford Amendment (10 minutes of debate) Rep. Markey Amendment (10 minutes of debate) Rep. Waxman Amendment (10 minutes of debate) Rep. Flake Amendment (10 minutes of debate) Reps. Schock/Capito Amendment (10 minutes of debate) Rep. Al Green Amendment (10 minutes of debate)

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Importing starts with green coffee that is completely processed and ready for export from the origin country. Typically, shipped in 20 foot containers of 275 to 320 bags (70kb or 60kg) or less. It could also be loaded bulk, therefore enabling more beans to be shipped, lowering the shipping costs on a per pound/kilo basis.

From the USA, specialty coffees are most often purchased by importers or individual roasters via an FOB Contract. FOB (Free On Board) means that the price paid by the buyer includes all of the costs in the exporting country, including processing, inland transport, warehousing, dock fees, export fees and loading the container onto the ship. Ownership passes from the seller to the buyer once the container passes over the rail of the ship. The ships captain prepares the Bill of Lading that you will present to your bank to prove the coffee is now on the ship.

The exporter will need a bank that can handle international interbank transactions. Preferably one that is experienced in export document requirements. If not well established at this type of transaction, the exporter will not want to extend credit to any buyer, but will require payment terms: CAD (Cash Against Documents).

A CAD transaction enables the exporter to have payment deposited into his bank account after presenting to the bank the required documents proving that the coffee purchased by the importer (buyer) meets the specifications in the coffee purchase contract/agreement. The exporter’s bank will determine exactly what documents are required.

These documents may include:

- Ocean Bill of Lading (from the freight liner after the coffee is loaded on the ship)

- Weight Notes to identify the exact content and weight of that content

- Certificate of Origin (issued by the government Customs authority in India)

- Certificate of Fumigation (if required by importing country)

- ICO Certificate of Origin (Approved by the ICO: International Coffee Organization)

- Invoice sent to buyer identify the details of the purchase and $Value.

- Packing List from seller as evidence of the product shipped.

- Other agricultural certificates as dictated in your country

Typically, the exporter will use an Export Broker in the origin country who is expert in these matters and can arrange all of the issues involved in preparing the coffee and the documents for export. If a broker is the seller/exporter, then he will handle all of the required export documentation. The buyer/importer arranges for payment, ocean freight and transport insurance. It’s also the importer’s responsibility for acquiring all import documentation and arrangement in his country.

Of course, finding buyers is the key when importing for resell. For information to identify coffee importers, office coffee service providers and specialty gourmet coffee roasters in the United States, you can purchase a membership list from the Specialty Coffee Association of America or from InfoUSA.com. You can use networking sites like, TradeKey as well.

Note: there are always risks associated with importing. Although the importer may have received samples representing the coffee purchased, in most cases the actual coffee received will match the quality grade, type and source, every coffee lot is different, even from the same region and farm.

There are a few ways to lower this risk. One is to be sure you have a “green coffee contract” modeled after the Green Coffee Association Contract Terms & Conditions. Second, be sure to get an export sample taken directly from the contain prior to its being loaded onto the ship, since once the container is on the ship ownership transfers to the importer (FOB contract terms). Finally, when you purchase is large enough, personally knowing who your buying from and even visiting the country to physically select and monitor the export process is an option.

Beginners Spanish

Travel Editor Peter Greenberg joins Rebecca Jarvis and Jim Axelrod to talk about the myths around traveling, separating facts from fiction.

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Whether you are looking to sell your motor home, travel trailer or 5th wheel it is important that you have a full understanding of what your recreational vehicle or RV is worth. The market changes on a regular basis. Therefore, it is important that you know about rv pricing and used rv prices, so you know how much you can actually sell your RV for.

One of the first conditions that will affect the selling price of your RV is the time of year you are selling it. If you try to sell your RV in the off season, you are less likely to get your desired asking price. Generally, buyers add in the fact they will have to store it for the winter when purchasing an RV. Therefore, they will generally offer you a much lower price. The off season is a bad time to sell your RV because many buyers are not in the market for an RV. In the spring time, buyers are geared up for the upcoming camping season and therefore more likely to pay closer to your RV’s worth.

The condition of your RV will also dictate its worth. If you are trying to sell a newer RV in mint condition, you are more likely to get a fair price for it. However, if you are trying to sell an RV that is older or one that needs some type of repair, chances are you will not get your full asking price. Therefore, when putting your RV up for sale, make sure you fix any chips in the paint or appliances that are not working.

You will want to make sure that your RV is as clean as possible. Remove any clutter from the RV to make sure that it looks as spacious as possible. Do a thorough cleaning of the unit to make it truly shine.

Mileage is another determining factor for your asking price if you are looking to sell a unit that contains a motor. If the mileage is high, your RV will be worth less than if you were to sell one with low mileage.

Another determining factor to consider is what accessories you have in your RV. Accessories such as satellite dishes, A/C units, solar panels and awnings will add extra value to your RV.

If you place an ad to sell your RV, be sure to word it properly. You will want to list all of the wonderful features the unit has. Have a friend read over your advertisement before placing it. They can give you a legitimate idea whether you need to add additional information or remove something that might be distracting to potential buyers.

When pricing your RV do not compare it to other units that dealers are selling. Whenever a dealer is selling a used unit, they must jack the price up in order to make a profit. Therefore, check out a company that specializes in the pricing of RV’s by the general public, such as Kelly Blue Book.

Before listing your RV for sale, be sure you have a full understanding of what your unit is worth. The more reasonably priced your unit is, the more likely it is to sell.

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