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When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

White House officials were alarmed by Education Secretary Betsy DeVos' struggle to answer basic questions about the nation's schools and failure to defend the administration's newly proposed school safety measures during a tour of television interviews Sunday and Monday, according to two sources familiar with their reaction.Though DeVos was sworn in to her Cabinet position 13 months ago, she stumbled her way through a pointed "60 Minutes" interview with CBS' Lesley Stahl Sunday night and was unable to defend her belief that public schools can perform better when funding is diverted to the expansion of public charter schools and private school vouchers. At one point, she admitted she hasn't "intentionally" visited underperforming schools."I hesitate to talk about all schools in general because schools are made up of individual students attending them," DeVos said, as Stahl suggested that DeVos visit those underperforming schools.Things worsened as DeVos continued her cable television tour Monday morning. The White House released its proposals for school safety measures after a shooting in Florida killed 17 people. Part of the proposal includes a task force to examine ways to prevent future mass shootings, headed by DeVos. Though the proposals don't include raising the age limit to purchase firearms from 18 to 21 -- as President Donald Trump once suggested -- DeVos told Savannah Guthrie on NBC's "Today" show that "everything is on the table.""The plan is a first step in a more lengthy process," DeVos said, adding that she does not think that arming teachers with assault weapons would be "an appropriate thing.""I don't think assault weapons carried in schools carried by any school personnel is the appropriate thing," DeVos said. "But again, I think this is an issue that is best decided at the local level by communities and by states.""The point is that schools should have this tool if they choose to use the tool. Communities should have the tools, states should have the tool, but nobody should be mandated to do it," she said.The White House did not respond to a request for an official comment regarding DeVos' performance. It is unclear what Trump's own reaction to her interviews was, but officials in the West Wing said things went from bad to worse as DeVos continued her interviews.DeVos is just the latest member of Trump's Cabinet to come under scrutiny. Interior Secretary Ryan Zinke, Housing and Urban Development Secretary Ben Carson, Veterans Affairs Secretary David Shulkin and Environmental Protection Agency Administrator Scott Pruitt were all scolded by officials from the White House counsel's office and the Cabinet liaison after a series of embarrassing and questionable ethical behavior at their respective agencies.This isn't the first time DeVos has made headlines. She also struggled to answer education questions during her contentious confirmation hearing before the Senate last January. At one point, she told Democrat Sen. Chris Murphy that some schools may require guns to fight off grizzly bears."I will refer back to Sen. (Mike) Enzi and the school he was talking about in Wyoming. I think probably there, I would imagine that there is probably a gun in the schools to protect from potential grizzlies," she had said.In the end, Vice President Mike Pence had to break the tie to confirm her nomination, making her the first Cabinet nominee in history to require a tie-breaking vote by the vice president to be confirmed. 3545

Whether you call it Vote by Mail or Absentee Voting, in Florida the election system is Safe and Secure, Tried and True. Florida’s Voting system has been cleaned up (we defeated Democrats attempts at change), so in Florida I encourage all to request a Ballot & Vote by Mail! #MAGA— Donald J. Trump (@realDonaldTrump) August 4, 2020 342

Wisconsin Gov. Tony Evers and the Department of Health Services issued a new order Tuesday limiting the capacity of bars, restaurants and stores in the state to 25% on Tuesday, as Wisconsin becomes a hot spot for COVID-19 in the U.S.Evers directed DHS Secretary-Designee Andrea Palm to issue the order Tuesday afternoon.The order is capping capacity to 25% in public spaces beginning on Thursday. Gatherings in indoor spaces without an occupancy limit are limited to 10 people."We're seeing increased COVID-19 hospitalizations across the state, and every region is reporting current and imminent hospital staffing shortages in one or more of their facilities," Palm said.Wisconsin has become a hot spot for coronavirus cases in the country after schools reopened this fall. The state has tallied record numbers of cases, hospitalizations and deaths in recent days. Areas that have been hit particularly hard include the state's two largest cities — Milwaukee and Madison — as well as smaller cities like Fox Valley, Green Bay and Wausau.The governor's top attorney, Ryan Nilsestuen, says he's confident the restrictions will withstand legal challenges from the GOP-controlled legislature. Evers' "Safer at Home: order issued last March was eventually blocked by the Wisconsin Supreme Court, after the legislature raised objections with a potential overreach of authority by the health department and the governor's office.“At the end of the day, doing orders and having them challenged in court maybe makes for great theater,” Evers said during a press conference Tuesday. “But it frankly does nothing in making sure people are safer in the state of Wisconsin.”The order goes into effect at 8 a.m. local time on Thursday and will remain in effect until Nov. 6. Violators could face forfeitures of up to 0, according to the governor.The order does not apply to outdoor spaces.The DHS tallied 2,020 new cases on Tuesday and 18 new deaths caused by complications from the coronavirus. Wisconsin has recorded 136,379 confirmed cases and 1,399 deaths since the pandemic began.“We’re in a crisis right now and need to immediately change our behavior to save lives,” Evers said in a statement. “We are continuing to experience a surge in cases and many of our hospitals are overwhelmed, and I believe limiting indoor public gatherings will help slow the spread of this virus. Folks, we need your help and we need all Wisconsinites to work together during this difficult time. The sooner we get control of this virus, the sooner our economy, communities, and state can bounce back.”Criticism to the news was swift. State Rep. Shae Sortwell, R-Two Rivers, went after the new orders in a Facebook video."Apparently he’s bound to determine to just completely destroy the hospitality industry in the state of Wisconsin because that’s what he’s looking to do here," Sortwell said.The Wisconsin Manufacturers & Commerce issued a statement in response to the new order."Unfortunately, Gov. Evers’ order will cause even more harm to already-suffering businesses while failing to actually slow the spread of COVID-19 in Wisconsin," the business association said in a statement.The Metropolitan Milwaukee Association of Commerce also released a statement following the new orders."The measures introduced today by Governor Evers are well-intentioned, but are a blunt instrument that knocks down too many business establishments in metro Milwaukee that have gone to great lengths to develop comprehensive operational safety plans and have had them approved by the Milwaukee Public Health Department," the association said.Read the full order below:FULL ORDER.pdf by TODAY'S TMJ4Read the full FAQ below:FAQs.pdf by TODAY'S TMJ4"The Society supports the Department of Health Services’ action to temporarily limit indoor public gatherings because the state simply must halt its current trajectory," the society said. "We want to continue being the state leading the country in high-quality health care, not having one of the highest COVID-19 infection rates in the country.”You can read their full statement below.This story was originally published by Mayra Monroy and Jackson Danbeck on WTMJ in Milwaukee. 4200