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818-332-0645

www.rvroofingsolutions.com

We are all aware of the expensive problems a

leaky roof can cause. With over 20 years of ex-

perience in RV roof repair, we have the prod-

ucts to solve your roofing needs. Our High

Density Acrylic Roof Coating will perma-

nently bond to any surface - rubber, fiberglass,

or metal - forming a totally seamless roof.

BEST

Roof

NO

Maintenance

BEST

Price

NO

Streaks

BEST

Warranty

NO

Leaks

• Half the cost of traditional

roof replacement

• Reflective satin white finish

• Lasts 12 years plus

• Extreme weather durability

• On site installation available

- call for details!

Best Warranty in the business!

10 year NO leak warranty (Labor and

Material) with all professional installations

CALL TODAY FOR YOUR

FREE, NO OBLIGATION,

INFORMATION KIT ON THE LAST

ROOF YOU’LL EVER NEED!

NO MORE LEAKS,

NO MORE CAULKING,

…EVER!

NOWBOOKING APPOINTMENTS

FOR

APRIL & MAY

IN THE

SOUTHERN STATES,

FROM TEXAS TO FLORIDA.

TEN YEARS TO

GET TO THIS

THREE DAYS TO GET TO THIS

“The RV Roofing People”

be almost impossible to calculate

the true cost of the purchase. This

complicates the ability to budget for

the total cost of the RV. However,

with some diligence and the ability

to number-crunch, a fairly accurate

approximation may be achieved.

Early-Payoff Clause

Beyond deciding to finance or not

to finance, it’s important to consider

whether the loan has an early-payoff

clause. An early-payoff clause allows

for additional payments each period,

or allows for the total early payoff of

the loan, without penalty. Mathemati-

cally, early payoffs cause less interest

to accrue, if little or no penalties are

assessed, making the RV less expen-

sive to purchase.

Another method to reduce the

effects of compounding interest is to

pay the required monthly amount in

two payments instead of one payment.

By making a partial payment at the

midpoint in the month and the second

payment on the scheduled date, less

interest accrues on the total loan,

which can lead to substantial savings

over time.

Extended Warranty

Regardless of whether an RV is

financed or purchased outright,

contemplate buying an

extended warranty pro-

tection plan, which

could aid in reducing

the costs of RV repairs. The wear-and-

tear of the road can leave many RVs

with maintenance problems, and RV

maintenance can be one of the high-

est annual household expenses. An

extended warranty protection would

be deemed an appropriate expenditure

after factoring its cost into the total

cost of the RV and while creating a

household budget.

In addition to the extended warran-

ty protection plan, evaluate the cost of

the vehicle insurance on the purchase

of a future RV. Although the consul-

tation with an insurance professional

is vital in making this determination,

it is generally known that the newer

the vehicle, the more expensive the

insurance costs.

Tax Tip

For some, RVs serve as traveling

homes. Because they have the tradi-

tional features of a home (bedroom,

bathroom, kitchen, etc.), the IRS

might define some RVs as a home.

If so, the tax on a loan could be

considered tax deductible as a home

mortgage. As always, consult with a

tax preparer to make this determina-

tion for yourself.

In order to make a trip to an RV

dealer’s lot quick and enjoyable, do

your research. Also, consider how

to most economically finance and

maintain that new home on the road. A

little research will make the time spent

RVing all the more enjoyable.

Securities offered through Securities America, Inc., Member FINRA/SIPC.

Advisory Services offered through Securities America Advisors, Inc. Tax and

insurance services offered through Multigenerational Wealth Strategies, LLC,

which is not affiliated with Securities America Companies. Legal services offered

through Loring & Associates, PLLC, which is not affiliated with Securities America Companies.

Although this information has been gathered from sources believed to be reliable, it cannot be

guaranteed. This information is not intended to be a substitute for specific individualized tax,

legal or investment planning advice. Individual situations can vary; therefore, the information

presented here should only be relied upon when coordinated with individual professional advice.

Have a Question?

I write about legal and financial topics derived from my experiences in my practices;

however, I welcome your suggestions for topics. If you have a specific legal or finan-

cial RV-related question, or if you have a suggestion for an article topic, e-mail me at

info@mgenwealth.com . Ple

ase write “

Escapees

magazine topic” in the subject line.

Or call me at 800-260-1615.