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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

Why are stocks falling again? President Donald Trump says it's because Democrats are gearing up to use their impending control of the House of Representatives to investigate him. As always, when it comes to the markets, the real answer is complicated.The Dow fell by more than 600 points on Monday, dragged down by investors' concerns about the tech sector and the rising dollar. The Nasdaq fell 2% and the broader S&P 500 fell 1.2%.Apple (AAPL) fell 5% after supplier Lumentum cut its earnings and sales forecast because of weak demand, and JPMorgan cut its target price on Apple's stock. That weighed on other technology stocks, including Amazon (AMZN) and Tesla (TSLA) -- down 4% -- as well as Facebook, which fell 3%. Google (GOOGL), Netflix (NFLX) and Microsoft (MSFT) were all down more than 2%.The strong dollar also weighed on stocks. The US currency surged to a 16-month high because investors fear the European economy could stall if no Brexit deal is reached this week. Prospects of another rate hike from the Fed next month have also helped lift the dollar. The rising dollar is a signal of a strong economy, but it hurts sales and profits for American companies that do business overseas.Though Trump blamed Democrats for the drop, the Dow had actually bounced back since the midterms, rising last week in its best showing since March. Wall Street tends to like stagnation in Washington, so investors are actually just fine with Democrats taking the House.As for what Trump termed the "prospect of presidential harassment," there is not much evidence the stock market will bat an eye if Democratic leaders in the House begin investigations into the Trump administration. Stocks rose before, during and after President Bill Clinton's impeachment. 1800

When we first met Mark Lee Jr. in 2018, he had been working with the group Justice for TEDD Handlers to try and reunite with his K-9 partner Rayco. The two were part of the Army’s bomb detection team.Lee was injured in Afghanistan and left in 2012. It was the last time he saw Rayco.Also in 2018, a report came out that said the Army mismanaged the adoption of more than 200 military dogs, leaving veterans like Lee without the chance to adopt.When Rayco finished his service with the military, he ended up working with the U.S. Capital Police (USCP).The Justice for TEDD group, made up of a few civilians like Betsy Hamptom, were fighting to try and locate these dogs to reunite them.Meanwhile, Lee was struggling. He ended up behind bars and in rehab.“I didn't do too well,” said Lee. “I guess everything kind of caught up with me. While I was incarcerated. The guy at Capitol police that had Rayco watched our initial interview.”After our story, USCP technician Stephen Nunn got in touch with Justice for TEDD Handlers and said he wanted Rayco back with Lee.“It’s been 180 degrees since then, as you can see, I got my best friend back,” said Lee. “It shows a lot about his character being that when he reached out to find me as a law enforcement officer and find out I was incarcerated and still do nothing but want me to have him back.”Lee reunited with Rayco in D.C. and then the two went to Indiana to thank the woman who made it possible.“This is the one I wanted to happen for so long,” said Hampton. “This is a big deal to me. He’s like a son to me. My husband and I have adopted this kid.”It’s like the two old war buddies haven’t missed a beat.“He still has his working harness so if I pull it out of my backpack or pull it up, he goes crazy because he thinks he’s going to get to go work and have some fun,” said Lee.The pair isn’t finished yet either. They are moving to Texas to work with Mission K-9 Rescue. They will help rehabilitate dogs with PTSD, so they can find homes and reunite other military handlers.“Me and Rake are going to go over there and see if we can help somebody else get their boy back,” said Lee.The Justice for TEDD Handlers program is winding down. They were able to reunite 12 handlers with their dogs. A few others went to visit their old K-9 partners. Marines had similar issues finding their improvised explosive device detection dogs after service.The report on the mishandling of K-9s did lead to a change within the military to make sure this doesn’t happen again. 2518

With hurricane season in full swing, there's a lot of talk from meteorologists about hurricane "categories." What do they mean, and what do they tell us about a storm?It turns out, a hurricane's category is only based on one thing: wind speed.According to the National Hurricane Center's website, the agency relies on the Saffir-Simpson Hurricane Wind Scale to determine a storm's strength. The scale categorizes a hurricane on a 1-5 scale, based on the storm's maximum sustained winds — the one-minute average of the wind speed taken from inside the storm.When storms over the Atlantic begin to organized into a rotating system around a central "eye," and sustained wind speeds in the storm reach 39 mph, it's classified as a tropical storm. Once wind speeds in the system reach 74 mph, it becomes a hurricane.From there, the NHC uses the Saffir-Simpson Scale to determine how much destruction a hurricane is expected to inflict on an area. While any hurricane is expected to cause damage to homes and topple some trees in its path, higher wind speeds can lead to trees blocking roads and downing power lines, isolating communities without power or access to water for weeks — or even months.STRENGTHMAX SUSTAINED WIND SPEEDDESTRUCTION CATEGORY 1Between 74 mph and 95 mphWell-constructed houses could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly-rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. CATEGORY 2Between 96 mph and 110 mphHouses could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block roads. Near-total power loss is expected with outages that could last from several days to weeks. CATEGORY 3 (major)Between 111 mph and 129 mphHouses may incur major damage or removal of roof decking and gable ends. Many trees — regardless of root depth — will be snapped or uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm passes.CATEGORY 4 (major)Between 130 mph and 156 mphHouses can sustain severe damage with loss of most of the roof structure and possibly some exterior walls. Most trees will be snapped or uprooted and power poles will topple. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.CATEGORY 5 (major)Above 157 mphA high percentage of framed houses will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.Any hurricane that reaches Category 3, with sustained winds above 111 mph, is considered a "major" hurricane. According to the NHC, that's because "of their potential for significant loss of life and damage." But that doesn't mean Category 1 and 2 hurricanes can't be deadly.The NHC itself says that Category 1 and 2 hurricanes are "still dangerous" and "require preventative measures."While Hurricane Sandy peaked at Category 3 intensity when it made landfall in Cuba in 2012, it had collapsed into a post-tropical cyclone by the time it reached New Jersey on Oct. 29. Even though the storm only had Category 1 strength winds, it still resulted in the deaths of 131 people in America, according to media reports, and an estimated billion in damages — the second-costliest hurricane in U.S. history up to that point.The Saffir-Simpson Scale also doesn't take into account storm surge in coastal areas and flash flooding caused by the surge and heavy rain. Flooding can cause significant property damage and make main roads — including expressways — inaccessible. 3864

With COVID-19 cases spiking across the country once again, Starbucks is bringing back a program that offers free coffee to health care professionals and other essential workers.For the entire month of December, Starbucks is offering a free tall coffee to "any customer who identifies as a front-line responder." Scroll down to see a full list of eligible customers.Starbucks offered the same promotion in March and April, when the coronavirus first spread exploded throughout the U.S. Now, with cases spiking across the country — and expected to increase further ahead of the holidays — Starbucks is bringing the promotion back.Eligible customers can get a free tall hot or iced coffee at "company-operated locations and select licensed stores" now through Dec. 31.Starbucks is also making a 0,000 donation to the National Alliance on Mental Illness to support essential workers who may face mental health hurdles following the new rise in cases. They also plan to surprise 50,000 essential worker customers with "care packages and Starbucks gift cards."According to Starbucks, the following workers are eligble for free coffee: "Front-line health care providers, first responders including: doctors, nurses, public health workers, pharmacists, dispatchers, firefighters, paramedics, police officers, dentists and dental hygienists, mental health workers (therapist, psychologist, social worker, counselor, etc.), hospital staff such as janitor/housekeeping/security, and active-duty military." 1505

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