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View Full Version : Need advice.... how do we handle??? when we go full time



jayandhisgals
01-11-2013, 12:22 PM
We are preparing to go full time. Selling our home so no home base, retired won't be working. Need some advice from those out there who have experience.
Should we registure everything in a state w/ no property tax?
Do we get our drivers lic from the same state?
And insurance, because it will cost less in a state like Montana, S. Dakota?
Do we need to have an LLC or own property to do the above mentioned?
What do we do about our mail? Get a mail forwarding company?
How about insurance? What type of insurance do we need on the rig and TV?

I know I am asking a lot of ??, Sorry just don't even know where to start. Thanks for your advice.

jjriker
01-11-2013, 01:00 PM
Have you looked at the website http://www.rv-dreams.com/ ? It is a great site with lots of info. You will find the answers to a lot of your questions there.

We set up our address with a place called Alternative Resources in Sioux Falls, South Dakota. They send us our mail twice a month.

Invizatu
01-11-2013, 01:49 PM
You might also want to look into joining "escapees" out of Livingston, Texas. They offer a lot of what you are interested in or in need of.
www.escapees.com

Good Luck!

2psnapod1
01-11-2013, 08:49 PM
We are full-time, no home base, not working. We use a mail forwarding service (mydakotaaddress.com) out of South Dakota for mail. We are currently working with the owner of the business to get our tags for the truck and coach switched over to South Dakota (she will do it for you and mail you the tags - you need not be there to have it done). We will stop in South Dakota in June to have our drivers licenses changed to South Dakota (you have a year to change them). From what we've found with our research taxes & insurance are both cheaper in SD and they do not tax a military retirement (we we are living on).

Don't hesitate to contact us if you have more questions. Good luck!

jayandhisgals
01-12-2013, 01:17 AM
We are full-time, no home base, not working. We use a mail forwarding service (mydakotaaddress.com) out of South Dakota for mail. We are currently working with the owner of the business to get our tags for the truck and coach switched over to South Dakota (she will do it for you and mail you the tags - you need not be there to have it done). We will stop in South Dakota in June to have our drivers licenses changed to South Dakota (you have a year to change them). From what we've found with our research taxes & insurance are both cheaper in SD and they do not tax a military retirement (we we are living on).

Don't hesitate to contact us if you have more questions. Good luck!

Thank you. We will look into that. Don't you have to show proof of address to get your drivers Lic.? If so what kind of proof are you goning to use. We are in a similar situation. We will not be working at least not getting paid to work our first season. We have a offer to workamp in N. California. Don't want to be residence of CA or pay taxes, ins. ect. there since we will only be there 5 months then who knows where we will decide to go. Again thanks for the info.

FJRogers
01-12-2013, 02:40 AM
Congratulations on your decision on going full time and welcome to the club. We have found Americas Mailboxes to be an excellent service based out of Rapid City SD. They have an excellent helpful staff and the owner is a full-timer. There is a RV park located adjoining the mail process center that you can stay at while getting your drivers license, Americas Mailbox will give you the needed paperwork for the DMV. The whole process was painless. There are many insurance agents that know how to handle full-timers I also carry a policy that covers our fifth wheel when parked as well as well as when it is being pulled, you may want to look into this due to most auto policies only covering your rig when on the road. Please feel free to contact me with any other questions, I will be happy to help where I can. trey.rogers@aol.com

DW_Gray
01-12-2013, 04:19 AM
When you sign up for a mail forwarding service, that becomes your legal home address. Therefore that allows you to get your license and register all your property in that state.

We use My RV Mail out of Florida. We severed ties from California and saved a ton of money. My disabled vet tag for my truck is 10 dollars a year.

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danemayer
01-12-2013, 06:48 AM
Congratulations on your decision on going full time and welcome to the club. We have found Americas Mailboxes to be an excellent service based out of Rapid City SD. They have an excellent helpful staff and the owner is a full-timer. There is a RV park located adjoining the mail process center that you can stay at while getting your drivers license, Americas Mailbox will give you the needed paperwork for the DMV. The whole process was painless. There are many insurance agents that know how to handle full-timers I also carry a policy that covers our fifth wheel when parked as well as well as when it is being pulled, you may want to look into this due to most auto policies only covering your rig when on the road. Please feel free to contact me with any other questions, I will be happy to help where I can. trey.rogers@aol.com

Hi FJRogers,

Let me give you a belated welcome to the Heartland Owners Forum. Always good to have another helpful person joining in the discussions.

2psnapod1
01-12-2013, 08:35 AM
Thank you. We will look into that. Don't you have to show proof of address to get your drivers Lic.? If so what kind of proof are you goning to use. We are in a similar situation. We will not be working at least not getting paid to work our first season. We have a offer to workamp in N. California. Don't want to be residence of CA or pay taxes, ins. ect. there since we will only be there 5 months then who knows where we will decide to go. Again thanks for the info.

We have been using our SD mailing address since August of last year. Plus when we go to get our drivers license we just need a receipt from a campground or hotel for at least one nights stay.

jayandhisgals
01-12-2013, 10:34 AM
We just have to say we LOVE this fourm!!! Everyone on here is great. So helpful and full of such great advice. It really makes owning a Heartland even more enjoyable. Thanks you everyone for the advice and info. It's not going to be as complicated as I had anticipated. Wheew! What a relief! I had read some web pages and it made it sound really intensive. I thought I was going to have hours and hours or research to do.
One question??? Why have most of you decided to use SD?

2psnapod1
01-12-2013, 10:50 AM
Our biggest reason was cost...cheaper to register the vehicles, insurance, drivers license, no tax on military retirement pay. Also do not have to be there in person to register or renew your vehicle tags each year. Only have renew drivers license every 4 or 5 years (can't remember which).

jjriker
01-12-2013, 10:53 AM
Cost was a big one for us as well. Low insurance costs and only 3% sales tax. No income tax and SD makes it very simple to establish residency since they only require a receipt showing one night's stay.

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TXTiger
01-12-2013, 01:30 PM
You mentioned that you would be working in Calif for 5 months. No matter where you actual residence is, I believe, if you earn income in a State, you must file an income tax return in that State. So If your address is in South Dakota and you earn income in Calif you will file a Federal return and a SD return and a Calif return for the Calif income for that year earned.

jayandhisgals
01-12-2013, 02:24 PM
You mentioned that you would be working in Calif for 5 months. No matter where you actual residence is, I believe, if you earn income in a State, you must file an income tax return in that State. So If your address is in South Dakota and you earn income in Calif you will file a Federal return and a SD return and a Calif return for the Calif income for that year earned.

We will be workamping in California, but not for pay. Getting free stay/ hookups. We have a monthly income from SSDI we don't have to file fed taxes unless I make over $36k per yr.

jjriker
01-12-2013, 02:49 PM
South Dakota doesn't have state income tax so you wouldn't have to file anything for South Dakota.

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aatauses
01-14-2013, 11:13 PM
You will enjoy the lifestyle. You are getting good advice. We have our "home base' as FL, they are another state that treats you real well when it comes to taxes, registration, voting, etc. We have a mail service from Pensacola that sends mail whenever we ask (usually one/mo).
Here are a few things I did not hear in the previous post:
Insurance----since you no longer have a house, make sure the person (agent)is aware of full time RV ins----you cannot "tack on" your rv to your house!!--shop around
Banking--most of your banking, credit, bills, phone will be completed by internet---make sure your current bank has all that capability---shop around--check their availability of ATM's and the rate if not in their system
Phone--check your phone coverage throughout the US and CN and different plans---shop around
Computer---upgrade may be necessary to ensure good WIFI connections---consider a mobile card or a tether to your phone system
Feel free to keep asking questions and I'm sure you will get good advice
al
currently in Kenai, AK

For20hunter
01-15-2013, 01:28 AM
You mentioned that you would be working in Calif for 5 months. No matter where you actual residence is, I believe, if you earn income in a State, you must file an income tax return in that State. So If your address is in South Dakota and you earn income in Calif you will file a Federal return and a SD return and a Calif return for the Calif income for that year earned.

I don't believe this is completely true. And I need to prefice this with the fact that I am not a tax attorney or have any education in this, however after 10 years in the military and having dealt with this exact issue, I think I have a good grasp on it.

You pay taxes based on the residence where you live. For example, if you are in the military or going to school and your home state is Oregon, but you are stationed or going to school in Colorado, then you pay taxes as they pertain to Oregon and not in Colorado. Same with disability and retirement. So as long as you don't do something that changes your residency status (stay in a particular state too long, register to vote, change your address to that state, etc...) then your residency will stay where your home state is and you pay taxes according to that states tax code and laws.

TXTiger
01-15-2013, 02:12 AM
I too am not a tax lawyer and only know Calif law. If you are in the military you keep your home state of residence as the state where you enlisted unless you do something to change your residence like getting a CA drivers license or register to vote in CA. Your military income is taxed by your home state. However, I believe that any non military income earned in CA is subject to CA state tax. If you are not in the military, not matter what state you are a resident of, any income earned in CA is subject to CA income.

recumbent615
01-16-2013, 12:13 AM
Two toes is correct. We deal with that a lot here in New England where our state lines are close. In you live in NH and work in MA. You still get the privilege of paying MA income tax.

readytohitheroad
02-04-2013, 05:48 PM
It used to be the case that your income was taxed in the state you lived in. This was changed many years ago so that you are now taxed in the state you earn your income in.

simsfmly
02-04-2013, 06:22 PM
One question??? Why have most of you decided to use SD?
There are a variety of reasons, some small, some large. FL and TX have no income taxes, but the insurance difference between these two and SD isn't close. TX and FL have 183 days restriction to domicile there to get residency: SD - 1 night. We can work around hitting there every 5 years for Driver's License. TX needs to have sticker for license plates annually. Been SD residents for almost 3 years. Haven't been sorry yet.

SmokeyBare
02-04-2013, 06:46 PM
One small issue we had with Selecting South Dakota for a Home State when we were full timing...
Re-newing our driver licenses.
They are re-newed based on the drivers birth-date. Many States are like this...

It made a difference for us since Karen's birth-date was in April... not exactly the best time to be in SD. The State does allow up to but not more than 30 days past your birth-date before the driver would be required to take another test to get a driver license. South Dakota also allows the license to be re-newed 180 days prior to the drivers birth-date.

Nothing you can do about it unless the State changes their rules. We did the math... and decided to fly up, stay over night, so we could re-new both ours. It was less than 30 days past Karen's and I was able to re-new well inside the 180 day limit. The cost of the flight was less than driving our truck & trailer up from Texas, where we were at that winter.

Speedy
02-04-2013, 07:54 PM
Another thing to keep in mind for a SD residency is which county your address (mail forwarder is) because some of SD counties charge a wheelage tax. When we were looking at what mail forwarders the ones located in or around Sioux Falls charged the tax but Americas Mailbox is in Pennington county so no tax. The difference is $16 dollars a vehicle.

jayandhisgals
02-04-2013, 08:24 PM
Another thing to keep in mind for a SD residency is which county your address (mail forwarder is) because some of SD counties charge a wheelage tax. When we were looking at what mail forwarders the ones located in or around Sioux Falls charged the tax but Americas Mailbox is in Pennington county so no tax. The difference is $16 dollars a vehicle.


Great tip. Thanks!

jmgratz
02-12-2013, 09:57 AM
Here is an idea. How about a national driver's license and license plate (can have a state of residence on it) so it could be renewed anywhere in the U.S. Sure would make it a lot easier on out mobile nation.

JohnDar
02-12-2013, 11:18 AM
Here is an idea. How about a national driver's license and license plate (can have a state of residence on it) so it could be renewed anywhere in the U.S. Sure would make it a lot easier on out mobile nation.

Somehow creating another Federal bureaucrazy with an army of six-figure directors does not sound like a good idea.

happycamper35
06-11-2013, 10:44 PM
WE have been full time for three years and have used our daughters address for mail. We use pay pal when she forwards mail as it will print her the postage on her printer and then she drops it in the mail. It has given use a hard address which seems to make the financing easier for some purchases. good luck out there.

Ray LeTourneau
06-11-2013, 10:48 PM
WE have been full time for three years and have used our daughters address for mail. We use pay pal when she forwards mail as it will print her the postage on her printer and then she drops it in the mail. It has given use a hard address which seems to make the financing easier for some purchases. good luck out there.

We did something similar but just left our Son with a supply of envelopes, address labels and money for postage. We would call and screen the mail so junk mail got trashed. His address was our "residence" for almost 7 years.

Gas20
07-04-2013, 09:37 AM
For those that full time what do you do about medications? I know you can get your meds by mail or FX or UPS, but like me I have diabetes and my doctor wants to see me every 3 months?

danemayer
07-04-2013, 10:00 AM
For those that full time what do you do about medications? I know you can get your meds by mail or FX or UPS, but like me I have diabetes and my doctor wants to see me every 3 months?
If he wants to "see" you every 3 months to run an A1C blood test, perhaps he'd be ok with you getting tbem done at CVS in-store clinics with him getting the results, and maybe seeing you less frequently.

Gas20
07-04-2013, 10:04 AM
Thanks Dan didn't think about that. I got to see him next week and will discuss with him.

aatauses
07-04-2013, 01:37 PM
Welcome to the organization--you will find this is a great place to get help and share information. We are full timers and use FL for our mail service, registering vehicles (can do it on the internet) and our license which can also be done on line. We also vote in FL with absentee ballets. Several states are noted for their RV friendliness, FL, MT, TX, SD. I do not know if one is better than the other--get on line and check them out.
al
currently in Kenai, AK

ParkIt
07-05-2013, 11:14 AM
Somehow creating another Federal bureaucrazy with an army of six-figure directors does not sound like a good idea.
It already exists...the DOT.
Trust me, you don't want to ask them to do anything more than what they do now. It would be like herding cats.

Arvin
07-21-2013, 09:07 PM
We are planning to go fulltime RVing in the next 3 to 9 months and we currently live in Wisconsin and are wondering if anybody knows how to maintain Wisconsin residency and how to have mail service. This is our first time on the forum hope we are doing it right.

scottyb
07-22-2013, 07:38 AM
TX needs to have sticker for license plates annually.

I just renewed my registration for my Cyclone over the internet. Got the sticker in the mail within 10 days. Other than things like that, I have very little use for a mailbox any more. About 95% of it goes straight to the trash.

jmgratz
07-22-2013, 08:04 AM
I have diabetes also. I get my medication from Target Pharmacy. They are much faster than Walgreens or CVS and they have Targets all over the place too. I see my doctor once every 6 months. Depending on your insurance (I am Medicare) you can get blood work done at most any clinic that will accept your insurance and have the results sent to your Primary Care Physician. My doctor understands we travel alot and will do some things over the phone or by fax. Target Pharmacy is good in faxing Rx renewals refills to the doctor and he will extend a refill if he knows I will be coming in in the next month or two. I get a Cancer recheck every 9 month and that has extensive blood work that my doctor gets also. That also helps.

On another note.. there are a number of ways to establish residency in a state. State rules dictate how that is done. Many folks use Escapees for their mail forwarding and address (gives you a Texas address). You can find out more at www.escapees.com

Speedy
07-22-2013, 09:10 AM
Are you going to maintain a home or apartment in WI? If not you'll need to find a mail forwarding service based in WI to setup a legal domicile.

I do need to ask why would you want to keep WI residency?

Arvin
08-01-2013, 01:28 PM
We were thinking about keeping Wisconsin residency for medical reasons and they don't tax military retirement. We also have family in the area. Sorry for slow response we have been busy with work and preparing our house to be put on the market.

Ray LeTourneau
08-01-2013, 04:49 PM
Do you have a relative in WI? You only need an address for your mail.

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