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We're not veteran RV'ers, we are just getting ready to go full time in a few months. We currently live in Nevada, but we've decided to switch our domicile to Montana. It would cost us over $300 a year just to register a trailer in Nevada, in Montana you can get a permanent trailer plate for a one time fee of around $175. If you have an older truck you can also get a permanent registration for that. We will be sticking with our 2001 Suburban 2500 for our tow vehicle, so a one time registration fee of $250 and we're done with renewals. Montana also has fairly easy homeschool laws (we have a 6yo son). When we moved from Michigan to Nevada 10 years ago we kept our Michigan based credit union. They are members of the credit union Co-Op and if I go to any credit union that is a member of the Co-Op I can do most anything that I could do at an actual branch. 10 years of living 2,200 miles away from the nearest branch office and no problems. I don't know how useful it would be, but if you are signed up for Informed Delivery with the post office (free service) you can log into your USPS account and see scans of the fronts of all the envelopes being delivered to you, although that probably only works if you maintain a residential address. When I heard you were stuck in sand at Pismo my first thought was that you probably forgot to air down. Glad you mentioned that later in the video.
Many states don't tax Social Security but do on pensions or 401k-s. My chose is SD. The healthcare and RV insurance is low there and registration fees are cheap plus renewal of plates can be done via mail. Plus no emissions or special license needed. My healthcare provider has a hotline to talk with a doctor. They will fax in a prescription or may advise you to go to a immediate care place.
Roy this is very good information! SD is an excellent state for RVers. They make it convenient. And you are absolutely right, SS retirement income is not treated the same as other types of retirement income. Many commentators are describing how states are happy to tax the 401K!
I domiciled in South Dakota with Americas Mailbox from 2012 to 2015. I was completely satisfied with both and am planning to do it again (permanently this time) in a couple of years. Everything is cheaper in South Dakota, especially vehicle registration and insurance! And Americas Mailbox does everything for you. They handle all the legalities of domicile. You go in and sign all the documents in about an hour. Then they mail you your vehicle registration every year with zero hassles. I cant' recommend them highly enough. I spent three days is South Dakota and never went back. You can get medical insurance that works everywhere. T-Mobile Money is a great way to bank on the road as well.
Excellent Excellent Excellent! Thank you for sharing this. I've only heard good things about America's Mailbox. Never heard of Tmobile money! We get a lot of newbies so comments like these are very helpful!
John Fortune Trading, I too subscribe to America's Mailbox. I sold my home in 2017 and haven't been to South Dakota yet! America's Mailbox assisted with everything, from establishing domicile, to vehicle registration, to now two years of tag renewals, in addition to providing mail service. My current driver's license is valid through my birthday, so I plan to visit South Dakota before winter to, among other things, obtain my new driver's license. America's Mailbox even has a hotel and campground for members to use when they visit Box Elder, and I plan to stay with them.
@@ARepublicIfYouCanKeepIt I just learned that SD D.L's need to be renewed in person. This means a trip every 5 years. It was never mentioned in any of the YT videos I watched. Do any of the other states allow for on-line renewals.
@@stxflyer As driver's licenses are a nearly universal form of photo I.D., I believe that every state requires in-person renewals. That, and you have to take a current picture and a vision check/test. Unlike passports, which can be renewed via mail, liability is inherent with driver's licenses. Therefore, the in-person renewal requirement. I don't consider having to visit South Dakota once every five years to be a particularly onerous requirement.
Our credit Union just joined a program that allows us to use many other credit unions in all 50 states. This program, we were told, just started about 3 months ago. It's a good way to be able to bank with credit unions and have the ability to stay away from the large banks.
I also have a credit unit thats has more branches than the big banks. Its called ADELFI. They give 10% to Christian missionaires as a way to give back.
one thing i did while i was on the road was maintain a P.O.box in northern idaho. the postmaster was really easy to work with and would save up my mail in a box and hand it to me whenever i came thru. since there was no mail delivery in that town the box was free. people who lived along the mail trucks route had to pay a fee however. having a bank account in the next town and having my bank statements go to the p.o.box was enough to satisfy the state residence requirements along with having an idaho drivers license. since my house later was off grid for several years, there were no power bills or water bills that would have bolstered a residence claim. my truck was also registered to that p.o.box number for the longest time and the insurance bill also went there.. so there's several ways to cover your bases when it comes to residency...
i snail mailed 2 weeks worth of camping gear , food - everything - to go camp out in nowhere alaska for a week. i flew into anchorage - picked up my van rental and waited for morning to go to the main post office in anchorage and request my USPS packages sent in care of the postmaster general of anchorage. (people who worked in the back at the p.o. came out front to see who and what , me and the boxes. way before 9/11 ...doubt i could pull it off these days.)
Mercedes, FYI most phones can make and send scans these days. Efax is an email faxing service that eliminates the need for other faxing services. And you can send and receive fax from any FedEx location. Just something to think about for those who need faxing. Also, going paperless on your billing will reduce the amount of non-junk mail you receive. Take care!
This is the best video on this subject - you are very smart and all your research is top notch (not misleading inadvertently like other videos that say "set urself in FL, TX or SD" without explaining retirement income vs job income). Thank you!!!!!!!!!!!!!!!!
Great video as always!!!! Hope you snuck in some you time while you had the RV to yourself!!! We are choosing Texas not because it is the perfect choice but because it hits the most boxes!!! In our consideration for Domicile we had to consider: Taxes - income taxes (pension and 1099 income) and property taxes as a lot of states charge property taxes yearly on vehicles and RVs Vehicle insurance rates and registration costs (including wether the require vehicle inspections or not) And the tipping factor for us was Homeschool Laws! (We have twin boys that are going to have to be homeschooled while we travel) We eliminated Florida due to the vehicle insurance rates and the homeschool laws aren't very strict BUT they do make it difficult/expensive to have an acredited curriculum count and allow for transcripts when the time comes we do decide to put the boys back into school. We were going back and forth between South Dakota and Texas for a while both will not tax our income, both have low insurance rates and good mailing service options, South Dakota has NO vehicle inspection required and Texas does require it HOWEVER South Dakota's homeschool laws require that you work in a specific county with a specific board of education and you have to go back for testing on a yearly basis for your children 🤦 there is no way we are going to be in South Dakota every year!!! So we ended up deciding on Texas because the homeschool laws are much better and many online curriculums are accepted! we feel that Texas is something that we can definitely do on a yearly basis if we have to go back for vehicle inspection but most of the rvers we have spoke with have explained that the loophole is you only have to have your vehicles inspected if you're in the state! so basically whenever we go through the state of Texas we have to stay a couple of days to make sure we get it done even if that's every two years!!! but vehicle registration and licenses can be renewed by mail. We ended up choosing Texas Home Base as our Domicile/Mail Service! It is a wonderful company and gives us a real street address that thousands of others don't share with us unlike escapees!
This is fantastic information! I didn't realize the homeschool implications of domiciling in FL. I'm going to have to dig deeper, as John and I are considering this more and more. We're falling in love with the fulltime rv lifestyle and don't want to stop! I appreciate your kind words regarding alone time. It's a big deal and it's very important. It's the funniest thing because they arrived as soon as I finished! But in a weird way I feel like I got to chat with friends. (even though it was a one-way conversation! lol) Thank you for sharing! Great stuff!
As I understand it too that Texas doesn't require the DOT inspection if you're out of state but do require that you do the inspection within a few weeks of coming back into Texas. A local in Dallas also told me that they're fixing to do away with the DOT inspections but I haven't found any proof to this.
Very thorough video. Let me add: Another issue is what is required to establish a legal domicile. South Dakota is popular because you can set it up in a day. Other states might require more proof of intent to be a permanent resident, like a lease, a utility bill, etc. You don't want to have to rent an apartment to establish residency. Where will you spend your time?: If you're going to spend time in, say, Florida, it makes sense to domicile there, even if it's more work than SD. Banking: there are a couple of nationwide ATM networks. Banking: a nationwide bank is not a requirement. Most people just want to withdraw cash without paying a fee. My bank is not national, but it is a member of an ATM network with something like 20,000 ATMs.
All Great Points! Thank you for adding to the discussion. Every individual's needs are unique. Depending on your banking needs an ATM may not be enough. If it is, try a smaller, more local bank! But again, its a case-by case situation!
I know this is an old video so I don't expect you to respond, however, you & John are amazing. So you know we are almost debt free and getting closer to retirement (less then 2yrs). For the last few years I've been researching everything I can about RV's, (5th wheels, TT, motor homes,etc) and I've also looked into domicile, mail services and taxes. Your video covers 90% of what I've learned and the comments covered just about 5%. Way too much to cover 100%, I'm sure there are some other legal things not discussed. Anyway, thank you and your followers for confirming what I've learned. I am currently putting together a spread sheet that list mostly what you've covered but will hope to include property tax, sales tax, local & state taxes. Ratings on auto insurance cost, registration, healthcare. Not on all states since that will take too long maybe just the top 10 states. Anyway, please keep doing what you are doing, y'all will one day be my road neighbor's. (God willing).
Great information.. preparing for rv life as we exit military life.. exciting prospects but gathering massive amounts of information so we don’t make to to many mistakes..thank you for the information!
Thank you for your Service💚 Learn as much as you can ad enjoy the whole process! You'll learn most of what you need in the field and mistakes can be fun. Send us email...
Great Information Mercedes. Thank you very much. I love your videos. Yes, tell John we need you more on videos by yourself. We will be waiting for those in the future.
Well what the Odd Squad says goes right? Lol! I don't think he minds it. He got to go and play while I talked about taxes! Funny thing is I think I had more fun!
Oh goodness...a hundred million decisions to make?! I can’t even decide which dishes to keep while downsizing!! And, don’t talk to me about clothes, shoes and purses!! lol. We hope to start our adventures May 2020. We’re also planning to have a very small house on some land we have in Louisiana, so we can rv probably 80-90% of the time. We don’t want to be away from church THAT long! Please keep your videos coming; they are super fun to watch and very informative for us. Thanks!
It's nice to see that you have a plan and plenty of time to execute. Making lists really helped us not to get overwhelmed. Stay close to each other and God! It will work out exactly how it's suppose too👍😀💚
Re: emissions testing - I know that in Nevada, the only place with emissions testing is in Clark county, around Las Vegas & surrounding areas. So, if your address is within that zone, you WILL have to emissions test your vehicle. Outside of that zone, say in Pahrump, for example, you will NOT have to get your vehicle emissions tested. In Arizona, the only places in the state that require emissions testing are in the Phoenix & Tucson areas. If your address is in Lake Havasu City or Quartzsite, just to randomly pick two areas, you will NOT have to have your vehicle emissions tested. What if you choose a state to domicile in, but you are physically somewhere else(which is the whole point of being a full-timer, right?)? You MIGHT have to return to that state every year(or whatever) to get your vehicle inspected! My point is, make sure to research vehicle registration/inspection requirements when choosing a home state, not just 'no income taxes'. Hope this was helpful!
For our first snowbird trip, we have our housesitters(close friends) check in with us every week or two about mail. We left them a few blank checks for accumulated shipping fees for any forwarding. They also keep a list and receipts. So far, it works for us.(I love your look in this video!)
There is general delivery at the post office. Never have that problem with the park. On mail if I had a package from Amazon I go to the office to let them know it’s coming. Usually it is not a problem if it is amazon will deliver to where ever you want, within reason.
This is most important information. Thankyou. I currently live in MO. I plan on taking your advice on Florida. I’m also retired Military. Very tax friendly state , no brainer . Watched many of your videos and. Find them to be the most informative.
I was surprised to discover that Mercedes was a banker. I thought she had been a teacher because she's a natural at explaining things so that even I can understand them. Thanks Mercedes!
Thank you Joe! It's not the most interesting topic, but it's so important! Appreciate the compliment. Making taxes and domicile compelling is quite a challenge! Thank you again!
We domicile in Texas. Reasons: We already live there. We moved to Livingston TX. using the Escapees mail drop and we get mail once a month from them.We registered to vote there as well. All of our Drs. are in Texas although in Dallas so we pop in there annually. Of course we have Medicare with Supplements, and if something is needed we can find a Dr. just about anywhere.
That was a big portion of our reasoning for sticking with FL. Being already residents, it didn't make sense to switch. But TX is a great consideration. We had the discussion about domiciling in TX. If we were residents of a high tax state, like NY or CA, we would have considered TX.
Ok I’m lost I have no idea what to do. I’m a subscriber from Canada and I waited the entire video to hear what we Canadians should do and nothing. We’re left out of everything. Hahahahaha Cheers!!!
I am so sorry F&T! I would be doing such a disservice if I attempted to discuss Canadian tax, mail and or domicile information. So if you know any information, please share it in the comments. I don't want to ignore our northern neighbors.
No worries I was just kidding. We aren’t on the road just yet so we still need to research everything. I do know that Canadians can only be out of the country for I think 5 months because of our health insurance. Cheers!!!
I heard that. but that's about the extent of my Canadian residency knowledge. We have met many families from Canada in the short time that we have been rving. They've been great!
We are waiting for our new RV to start getting ready for full timing. The plan is to move into the RV to make cleaning out the house easier. I am retired, wife is waiting about a year. My health has prevented me from doing all the hobbies I have set up for retirement. So we have activated plan B. We just found you and are going through some of your videos.
The US Post Office site will show you a scanned image of the envelope. 2. I never use Bank Statements in the mail. Its called using the internet. 3. YOu can get health insurance stuff electronically. 4. Use a printer. 5. Only thing we get in mail that matters is packages from Amazon.
IM IN DELAWARE AND WE DON'T HAVES ALOTS OF TAXES, WE HAVES NO SALES TAX BUT, IT DEPENDS UPON WHAT YOU MAKES, WE DON'T MAKES ENOUGH TO FILES TAXES BUT, WE DO HAVES LUX . TAXES & PROPERTY TAXES TOO
There is a national Credit Union ATM network that has NO FEEs there is a free app to help you locate one near you. Also Walmart and other similar stores let you get cash back. Bigger credit unions have great online banking with bill pay features. When I finally get out of debt and sell my house, I'm keeping my credit union (Consumer's Credit Union in Michigan).
Seeing a lot about SD for domicile. One thing that may be of concern - if not now, in the near future - where a legislator Rep. Tom Brunner, R-Nisland, filed House Bill 1129 this session to require that in order to register to vote, a person must actually live in South Dakota. The bill was tabled in committee this year, but may just keep coming up. You can read the full article at www.sdnewswatch.org/stories/thousands-of-s-d-voters-dont-live-where-they-register/ I would think that SD to loose almost $100 Million in vehicle registration fees may slow its progress. Even if these lawmakers do not understand there are and will be a lot of people who do not want to live in sticks and bricks the rest of their lives. Have not research other states, but think it probably is on people's radar. Guess the best thing is to keep your options open...Too much to see in this beautiful country - keep on traveling
I am enjoying your videos- you keep it real, which is greatly appreciated. My husband and I have been summer rvers for several years, but now I am considering doing this on my own when I retire next year and doing it full-time (due to a divorce). This was a great video with good food-for-thought.
Hi Joan. Thank you for taking the time to leave us a kind note. Congrats on your upcoming retirement. Sorry to hear about your divorce. Full time would be very different from part time... But worth considering! :-)
Great videos Mercedes, your videos are informative concerning true RVing issues and NOT rosy BS issues. However, I believe that the graphic showing the 8 states including TN listed AL ( which is Alabama ), but you stated Alaska. The map also illustrated Alabama. I'm bringing this up for clarification purposes only. Stay strong John, we guys have to stick together ..... a day at the park beats talking taxes ...... lol !!! Always, Syn Silver.
You are 100% correct. I got my states mixed up! Big Oops!!! Appreciate you clarifying. I don't want to give incorrect information. But I can't edit videos! :-)
Yes! Florida has its pros. Plus we were already residents of FL, so the savings was a huge factor. Tell me, did you read the disclosure. It was hard incorporating impervious. Not sure if it counts as it was written, and not said. But these word challenges are so fun to me!
Donna Montoya, sorry to hear about your mother's condition. Caregiving is definitely a labor of love. Best wishes for your transition to full-time RV living when the time comes. I too chose South Dakota for reasons I describe in my comment to this video.
Mercedes, thank you so much for your insight on these topics. I've given them a lot of thought, but haven't really made any solid choices about any of them yet, but videos like this will help make our decisions easier... 😊
We are not retired yet. We do 3/4 time on the road. Our company is in Florida but we maintain residence in Georgia. While there is income tax, we still have stick and brick house there, so homestead tax reduction, plus vehicle registrations, and car insurance would made up the difference. Banking, I use a credit Union that is actually on Chicago, and do everything online. They approved me for my RV and I become a fan so I am moving all personal accounts there. credit unions ATM networks are great. For business I keep a national Bank. For mail, I use a family member, living in my house, or we get it when we get there. I get the images of mail coming from USPS, so if something looks urgent, we just request or daughters to open it and send a pic and they mail me all mail once in a while. I do manage all my accounts and bills online
You have a thorough plan. Mail and Domicile doesn't get enough attention. It's so important! But what I like most about your plan is that it is very specific to your individual needs and situation. We all have different needs and there is no "one size fits all" for everyone! Thank you!
Hi Mercedes, thank you so much for the information and a lot food for much thought. One additional item for people to consider when changing domicile is any licenses they may hold. For myself, looking into getting reciprocity for my nursing license :-) is really important. But one thing is for sure, no matter what state I go to for my domicile, it is worth it to get out of California... Maybe Jon can take Sage around the park one more time and you can do another topic - your choice, to do an excellent job! But I thank you both for being so honest and open. Thank You!!!
Got me! We. Never. Even. Thought. Of. This! Thank you sooooo much! BTW: am I the only one who wants to reach through the screen to push those glasses back up on your nose? 😂😂😂 Love ya! 😉
I did the research several months ago and determined that South Dakota will work best for us along with America's Mailbox. We start full timing next year and our first trip will be to SD to set up our domicile. Enjoyed the video. Thanks
How exciting! It will be here in no time! Very impressed how you have your plan so well organized. It's easy to get excited and jump into things prematurely. We did a ton of research and still had poor planning in some aspects.
@@RVOddCouple I just learned that SD D.L's need to be renewed in person. This means a trip every 5 years. It was never mentioned in any of the YT videos I watched. Do any of the other states you mentioned allow for on-line renewals.
Hey,I’m a truck driver from Georgia and would like for Florida to be my domicile state and the reason why is after a few months to a year of driving I want to go to school there and qualify for in-state tuition I just don’t want to rent a apartment until I come off the road. Would this be good for me to make Florida my domicile state now to start establishing residency? Thanks and great video!!!!!!!!
RV Odd Couple You did go deeper and provided a lot more information. Other channels who just TOUCH on this topic made it more confusing as they didn’t offer the detailed info like you have Mercedes. Great work! Thanks.
@@Tanacarroll Thank you! I tried to share in this video the way I would if a family member were asking for advice. I would want to give them all the info to consider. Appreciate your compliment! Thank you again!
I truly enjoyed the Q/A. Makes me feel as if I really know you guys! Great job! We are taking our time, exploring our options and hope to have a new rig within the next year. Because of you two, we are now looking at 5th wheels vs. a van! Time will tell... still lots to figure out. It will only be half time while we are in northern Florida during the winter months near my daughter, son-in-laws and our grand babies. Suggestions for a good RV semi permanent park in that area? We know we need/want a sense of community. Keep doing what you’re doing, it’s so helpful and entertaining!
Thank you Tammi. This is why we read all the comments 😊 Love getting to know everyone and hearing of their experiences. We thought we wanted a class “A” but we fell in love with the fifth wheels. We made the right choice but things can change 😊 you definitely want to do an annual lease. Florida books solid in the winter and it’s hard to find space. We talk about this in today’s video @ 9:27am. Go slow and have fun looking at everything and all options.
I have a home base in Michigan. Never did give up my home but go home around Christmas or Birthdays (like family members). But important mail comes to me other junk mail goes to my house
Thank you Jackie! I think that was one of the points that I wanted to stress. You don't have to domicile in FL, TX, SD, or NV. Every situation is unique. And changing your domicile can be expensive, so it's important to think long and hard before making any changes!
Very useful information. I appreciate that you provide the level of detail and all the things to consider regarding RVing full time. Thank you. Take Care and Stay Safe. Hi from Salem Oregon.
Great video, thank you! Just one comment: at 4:50, when mentioning states that do not have income tax, you show the letters for Alabama, AL, but you say Alaska. The letters for Alaska are AK. Thank you!
Julie, I appreciate you mentioning that. I wish I could change it without completely removing the whole video. But It's good that you mention it in case others are confused! Thank you!
Exactly! This is why the traditional RV Domicile states may not be the best states for you. Everyone's circumstances are unique and I want to encourage people to explore all of their options!
You mention not going with escapees because of the large number of pages that come with things like medical insurance yearly updates and their cost per scanned page. What I don't think is covered here is that you really don't need to have anything scanned that isn't urgent. Yes, those mailings are a huge number of pages, but for what reason would you need them to scan those? Switch to paperless for all your bills and bank statements. The only things that you might need to have scanned are official documents from state or local government that you aren't sure might be time sensitive. If something isn't time sensitive, you don't need it scanned, just have it forwarded. I can't see an average person needing more than 1-2 documents scanned a month if even that.
Interesting point. I like having things scanned but for some, it may not be necessary. :-) . We switched to paperless but we're still getting 20 pieces of mail (although some of that is related to the youtube channel)
I am a CPA and tax manager, I think you did a great job with this. We will maintain our permanent residence in FL as well. One of the areas I want to dig deeper in to are the state laws applying to telecommuting and state income taxes. Hey, maybe I’ll do a video on it sometime!
You certainly know more than I do on the topic. But I appreciate your saying I did a great job. That makes me proud! And yes, you should totally do a video. Coming from a CPA you could offer a great perspective!
Your link to America's mailbox goes to something completely unrelated and I don't even know what it is just letting you know I'm going to go look it up for myself This was a really great video. Thanks for the valuable info.
Now that you guys have been RVing full time for a few years have you learned anything else about best places to domicile in? We had a sticks and bricks in Michigan and still have ties to that area with family. The insurance is high in Michigan and our registration and plates are crazy prices in Michigan. Our plate for example is about $1,500 for 1 year for our RV. But we may return to Michigan and purchase a small home in a few years. So, if you have any new insight it would be appreciated.
Hmmmm..... who's blue, who's red? 🤔 When speaking about income tax within each state, it should be referred to as State Income Tax because so many have accepted this to mean they wouldn't pay Federal Tax, yes some people actually think that. We'll never get away from Federal Tax. We did our research, America's Mailbox was by far the best. We're saving a tremendous amount of money to be doing business in South Dakota. < Sales tax 4% < Registration No State Income Tax State Weapons Carry Permit has reciprocal agreements with more States then most any other state CCW. To become a resident of South Dakota only requires a 24 hour stay....and America's Mailbox helps with it all.
Cindy this is phenomenal feedback! Thank you so much! My only wish was that America's Mailbox worked in FL. Even though America's Mailbox looked like the smaller company, it was very clear in their reviews that their service was more personalized and hands-on. There are so many things to consider, but you bring up additional benefits to domicile in SD as an RVer. And you are absolutely right regarding State income taxes vs. Federal income taxes. Uncle Sam always gets paid! LOL!
Exactly! Cindy, I see your name come up all the time in Fountain Hills connection and other Facebook groups. What a small world. I'm changing residency from Fountain Hills Arizona to America's mailbox in South Dakota next month!
@@RVOddCouple I don't understand why America's Mailbox wouldn't work in Florida, it works everywhere. I also suggest to fellow RVers, don't forward your mail! First change the address on your important items, opt out of mailing statements and bills, and don't leave a forwarding address. Receive all your important bank statements, insurance and medical bills online. That way you should not be receiving any commercial mail at your new address. Opt out of all 'address sharing' under the Privacy of Information Act. Then you will only receive personal mail at your new address, i.e. birthday and CHRISTmas cards. 😉
Great question Cindy Rose. We need mail to be delivered to FL to help with Domicile process. Great advice on the Privacy of Information Act. Wish we had known about that. Thanks again for your fantastic information. Please don't hesitate to share any other good info you have! This helps so many newbie rvers in their journey!
Cindy I cannot agree more!!! SD would have been perfect for my family all except for the fact that I have young children and that South Dakota has some of the strictest home-school laws making it not a viable option for us 😭 I am luckier than most though when it comes to concealed carry I qualify for The Law Enforcement Officers Safety Act (LEOSA) therefore I do not I need to carry a permit for each state I am allowed to carry anywhere in the continental United States under my badge.
We have everything to get going in January 2020 BUT health insurance for my 56 year old wife. looking forward to that video . We need help with this one and we are in Virginia .
Thx for this great, informative and humorous video! Quick note, AL is abbreviation for Alabama. I believe, Alaska is AK. Thanks again for this fun video 🙂
So glad you liked the video Laura. You know I wish I could fix it but it's too late. There are limits to video edits once they are up. With that said, I appreciate you pointing it out. We had someone say, "Hey there's income taxes in Alabama." and I felt so silly! But I want the right information up so thank you! Thank you!
@@RVOddCoupleBUT, you were correct in SAYING that AK (Alaska) does not collect State Taxes! 👍I only know these things cuz I have relatives in Alabama and I use to have a BF who was from Alaska 😜 Anyway, Great job on your video! 😁
Buying property (and therefore paying property tax) in the state where you have domiciled in is another LEGAL loophole for not having to change your license and registration each state you spend more than 30 days in. TAKE that property tax proof with you because courts will throw out a charge against you with that document. My sister and her husband were long haul truckers out of Ohio. When they got to California they were ticketed for SMOKING IN THEIR PLACE OF WORK. WHAT? Anyway, the CHP officer waisted their time and caused them undue stress as they discovered in court the following week. They got the ticket thrown out because while it was true that they were in a corporate truck it had a sleeper cab and therefore it was also their place of residence.
Awesome video! I live in Florida and our house is listed (plan in place, realtor says 30 days will see haha). My current vehicles are registered here but under this home address, still not clear what service you use to set a physical address at least on paper in Florida for domicile. Licence renewal car tags so forth. I fully get the mail services and am looking into them, most stuff is online though for me...paperless. Thanks and love your videos!
Another thing to consider is what type of pensions are taxed...for example, Arizona taxes my military retirement. You can bank in Credit Unions without issue if you make sure they do shared branching. Mojauvee...Mohave....Alabama....Alaska....tomato... tomauto....maybe John should handle the Geography and English portion of the homeschooling!?!? Only kidding!!! Great video, great tips....thank you both.
AZ taxes military retirement? Wow! Great info for anyone considering AZ. And regarding AL vs. AK... I wish I could say that I was just trying to get everyone to forget the whole "Mojave incident," but I can't... It was a typing at 1am situation! Oh my goodness poor Sage. She is either destined to say "Mojauvee" (thereby speaking poor Spanish) or call me her "muthah" (and speak Bostonian English). 😂
Great topic guys! Thanks for sharing this much needed information with us. Especially enjoyed the beginning where you talk about the taxes. Peace & Love! Have a Glamtastic Day! 👍😀🌈🤪🌈😎🌈😍
Just a "Head's up" - You might want to investigate further re: State Law. For instance, Texas law is not honored in Florida. Example: TX honors common-law marriage but Florida does not recognize Texas Common-Law marriage. Federal regulation honors state law. I performed a wedding for a TX couple in a Florida Veteran's Hospital so the wife could be regarded as married.
So I just retired military 3 years ago and have been full time rv since the divorce. So retired military and 100 percent disabled via VA is Texas the best option for me. That is what I’m thinking as of right now. Currently Colorado but got to chose new state this summer…. Thanks for any and all help
Oh how exciting! Then this is perfect timing. The earlier you consider these types of questions, the less stress in your full time RV journey! Don't hesitate to ask any questions. If we don't know the answer, someone else will!
That website has a flaw though. NH doesn't tax SS income: New Hampshire is tax-friendly toward retirees. Social Security income is not taxed. Withdrawals from retirement accounts are not taxed. Wages are taxed at normal rates, and your marginal state tax rate is 0.0%. Public and private pension income are not taxed. Where they get you: 9% room and meals tax. Property tax.
RV Odd Couple Absolutely! We love our precious children, and our wonderful husbands who contribute so much, but amazing, ever-present, always mindful, loving, caring Moms need their time, and that is sometimes easily overlooked because we just make it all look so easy. So, cherish every moment with your family and all those golden moments for yourself! Love the RV Odd Couple!!
You are so right. It's easy to overlook yourself. I'm noticing my tolerance for that is decreasing and I get really grumpy if I don't practice self-care. John notices too! Lol! Love you too Christy! Appreciate your kind and wise words!
I’m confused as to how this can serve as a domicile address with a PMB. Most school districts won’t accept a PMB if the address contain a Suite Number as well because it’s not viewed as a residential address. How did you work around that ?
Great video thanks for all the info..we are going to try full time in 3 years after retirement..Im just try to get all ducks in a row frist...I really enjoy the videos..Im new to your channel..
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We're not veteran RV'ers, we are just getting ready to go full time in a few months. We currently live in Nevada, but we've decided to switch our domicile to Montana. It would cost us over $300 a year just to register a trailer in Nevada, in Montana you can get a permanent trailer plate for a one time fee of around $175. If you have an older truck you can also get a permanent registration for that. We will be sticking with our 2001 Suburban 2500 for our tow vehicle, so a one time registration fee of $250 and we're done with renewals.
Montana also has fairly easy homeschool laws (we have a 6yo son).
When we moved from Michigan to Nevada 10 years ago we kept our Michigan based credit union. They are members of the credit union Co-Op and if I go to any credit union that is a member of the Co-Op I can do most anything that I could do at an actual branch. 10 years of living 2,200 miles away from the nearest branch office and no problems.
I don't know how useful it would be, but if you are signed up for Informed Delivery with the post office (free service) you can log into your USPS account and see scans of the fronts of all the envelopes being delivered to you, although that probably only works if you maintain a residential address.
When I heard you were stuck in sand at Pismo my first thought was that you probably forgot to air down. Glad you mentioned that later in the video.
Many states don't tax Social Security but do on pensions or 401k-s. My chose is SD. The healthcare and RV insurance is low there and registration fees are cheap plus renewal of plates can be done via mail. Plus no emissions or special license needed. My healthcare provider has a hotline to talk with a doctor. They will fax in a prescription or may advise you to go to a immediate care place.
Roy this is very good information! SD is an excellent state for RVers. They make it convenient. And you are absolutely right, SS retirement income is not treated the same as other types of retirement income. Many commentators are describing how states are happy to tax the 401K!
Veteran rver. South Dakota #1. Excellent service! Best over all in our lifestyle . Blessings, Disiple in Jesus Christ , Dan
Thank you Dan! We hear that too! That SD is excellent and America's Mailbox has amazing service! Thank you for your kind wishes. Save travels!
I domiciled in South Dakota with Americas Mailbox from 2012 to 2015. I was completely satisfied with both and am planning to do it again (permanently this time) in a couple of years. Everything is cheaper in South Dakota, especially vehicle registration and insurance! And Americas Mailbox does everything for you. They handle all the legalities of domicile. You go in and sign all the documents in about an hour. Then they mail you your vehicle registration every year with zero hassles. I cant' recommend them highly enough. I spent three days is South Dakota and never went back. You can get medical insurance that works everywhere. T-Mobile Money is a great way to bank on the road as well.
Excellent Excellent Excellent! Thank you for sharing this. I've only heard good things about America's Mailbox. Never heard of Tmobile money! We get a lot of newbies so comments like these are very helpful!
John Fortune Trading, I too subscribe to America's Mailbox. I sold my home in 2017 and haven't been to South Dakota yet! America's Mailbox assisted with everything, from establishing domicile, to vehicle registration, to now two years of tag renewals, in addition to providing mail service.
My current driver's license is valid through my birthday, so I plan to visit South Dakota before winter to, among other things, obtain my new driver's license.
America's Mailbox even has a hotel and campground for members to use when they visit Box Elder, and I plan to stay with them.
@@ARepublicIfYouCanKeepIt Great info! You didn't have to visit SD to get your DL?
@@ARepublicIfYouCanKeepIt I just learned that SD D.L's need to be renewed in person. This means a trip every 5 years. It was never mentioned in any of the YT videos I watched. Do any of the other states allow for on-line renewals.
@@stxflyer As driver's licenses are a nearly universal form of photo I.D., I believe that every state requires in-person renewals. That, and you have to take a current picture and a vision check/test.
Unlike passports, which can be renewed via mail, liability is inherent with driver's licenses. Therefore, the in-person renewal requirement.
I don't consider having to visit South Dakota once every five years to be a particularly onerous requirement.
Our credit Union just joined a program that allows us to use many other credit unions in all 50 states. This program, we were told, just started about 3 months ago. It's a good way to be able to bank with credit unions and have the ability to stay away from the large banks.
That's an awesome idea! We do not like the "Big Banks"!!! Let us know how it goes after using it for a little while. Thank you Rachel💚
I also have a credit unit thats has more branches than the big banks. Its called ADELFI. They give 10% to Christian missionaires as a way to give back.
one thing i did while i was on the road was maintain a P.O.box in northern idaho. the postmaster was really easy to work with and would save up my mail in a box and hand it to me whenever i came thru. since there was no mail delivery in that town the box was free. people who lived along the mail trucks route had to pay a fee however.
having a bank account in the next town and having my bank statements go to the p.o.box was enough to satisfy the state residence requirements along with having an idaho drivers license. since my house later was off grid for several years, there were no power bills or water bills that would have bolstered a residence claim.
my truck was also registered to that p.o.box number for the longest time and the insurance bill also went there.. so there's several ways to cover your bases when it comes to residency...
Thank you for sharing your experience here😀👍👍
Mercedes and John...you are just what my husband and I needed! You answer all the questions we have!! Great video Mercedes❤
So glad you enjoyed. This is not a "fun" topic but it's a very important one!
i snail mailed 2 weeks worth of camping gear , food - everything - to go camp out in nowhere alaska for a week. i flew into anchorage - picked up my van rental and waited for morning to go to the main post office in anchorage and request my USPS packages sent in care of the postmaster general of anchorage. (people who worked in the back at the p.o. came out front to see who and what , me and the boxes. way before 9/11 ...doubt i could pull it off these days.)
Mercedes, FYI most phones can make and send scans these days. Efax is an email faxing service that eliminates the need for other faxing services. And you can send and receive fax from any FedEx location. Just something to think about for those who need faxing. Also, going paperless on your billing will reduce the amount of non-junk mail you receive. Take care!
Excellant Info, we'll check that out! Thank you Mike! 😀
This is the best video on this subject - you are very smart and all your research is top notch (not misleading inadvertently like other videos that say "set urself in FL, TX or SD" without explaining retirement income vs job income). Thank you!!!!!!!!!!!!!!!!
Thank you
Great video as always!!!! Hope you snuck in some you time while you had the RV to yourself!!!
We are choosing Texas not because it is the perfect choice but because it hits the most boxes!!! In our consideration for Domicile we had to consider:
Taxes - income taxes (pension and 1099 income) and property taxes as a lot of states charge property taxes yearly on vehicles and RVs
Vehicle insurance rates and registration costs (including wether the require vehicle inspections or not)
And the tipping factor for us was Homeschool Laws! (We have twin boys that are going to have to be homeschooled while we travel)
We eliminated Florida due to the vehicle insurance rates and the homeschool laws aren't very strict BUT they do make it difficult/expensive to have an acredited curriculum count and allow for transcripts when the time comes we do decide to put the boys back into school.
We were going back and forth between South Dakota and Texas for a while both will not tax our income, both have low insurance rates and good mailing service options, South Dakota has NO vehicle inspection required and Texas does require it HOWEVER South Dakota's homeschool laws require that you work in a specific county with a specific board of education and you have to go back for testing on a yearly basis for your children 🤦 there is no way we are going to be in South Dakota every year!!!
So we ended up deciding on Texas because the homeschool laws are much better and many online curriculums are accepted! we feel that Texas is something that we can definitely do on a yearly basis if we have to go back for vehicle inspection but most of the rvers we have spoke with have explained that the loophole is you only have to have your vehicles inspected if you're in the state! so basically whenever we go through the state of Texas we have to stay a couple of days to make sure we get it done even if that's every two years!!! but vehicle registration and licenses can be renewed by mail. We ended up choosing Texas Home Base as our Domicile/Mail Service! It is a wonderful company and gives us a real street address that thousands of others don't share with us unlike escapees!
This is fantastic information! I didn't realize the homeschool implications of domiciling in FL. I'm going to have to dig deeper, as John and I are considering this more and more. We're falling in love with the fulltime rv lifestyle and don't want to stop!
I appreciate your kind words regarding alone time. It's a big deal and it's very important. It's the funniest thing because they arrived as soon as I finished! But in a weird way I feel like I got to chat with friends. (even though it was a one-way conversation! lol) Thank you for sharing! Great stuff!
As I understand it too that Texas doesn't require the DOT inspection if you're out of state but do require that you do the inspection within a few weeks of coming back into Texas. A local in Dallas also told me that they're fixing to do away with the DOT inspections but I haven't found any proof to this.
@@JeremyPrattigmp2u Good Info! Thank you
Your mailing services gave you a Street Address! What service do you use?
www.texashomebase.com/
This was a great video Mercedes! I know i'll be referring to it in the future. Thank you Mercedes!
Thank you Roger💚
Thank you for taking the time to share the great info you've obtained from all your research!
Thank you Nancy! It's not a fun topic but it's a very important one. Thank you for watching!
Very thorough video. Let me add: Another issue is what is required to establish a legal domicile. South Dakota is popular because you can set it up in a day. Other states might require more proof of intent to be a permanent resident, like a lease, a utility bill, etc. You don't want to have to rent an apartment to establish residency. Where will you spend your time?: If you're going to spend time in, say, Florida, it makes sense to domicile there, even if it's more work than SD. Banking: there are a couple of nationwide ATM networks. Banking: a nationwide bank is not a requirement. Most people just want to withdraw cash without paying a fee. My bank is not national, but it is a member of an ATM network with something like 20,000 ATMs.
All Great Points! Thank you for adding to the discussion. Every individual's needs are unique. Depending on your banking needs an ATM may not be enough. If it is, try a smaller, more local bank! But again, its a case-by case situation!
I know this is an old video so I don't expect you to respond, however, you & John are amazing. So you know we are almost debt free and getting closer to retirement (less then 2yrs). For the last few years I've been researching everything I can about RV's, (5th wheels, TT, motor homes,etc) and I've also looked into domicile, mail services and taxes. Your video covers 90% of what I've learned and the comments covered just about 5%. Way too much to cover 100%, I'm sure there are some other legal things not discussed. Anyway, thank you and your followers for confirming what I've learned. I am currently putting together a spread sheet that list mostly what you've covered but will hope to include property tax, sales tax, local & state taxes. Ratings on auto insurance cost, registration, healthcare. Not on all states since that will take too long maybe just the top 10 states. Anyway, please keep doing what you are doing, y'all will one day be my road neighbor's. (God willing).
God willing Dan💚 Thank you for the kind words and for letting us know that you value our content
Great information.. preparing for rv life as we exit military life.. exciting prospects but gathering massive amounts of information so we don’t make to to many mistakes..thank you for the information!
Thank you for your Service💚 Learn as much as you can ad enjoy the whole process! You'll learn most of what you need in the field and mistakes can be fun. Send us email...
RV Odd Couple thank you!! Will do. 🤗
@@ramblingrimkus7204 R v od Cou ple@ Gmai l.com
Great Information Mercedes. Thank you very much. I love your videos. Yes, tell John we need you more on videos by yourself. We will be waiting for those in the future.
Well what the Odd Squad says goes right? Lol! I don't think he minds it. He got to go and play while I talked about taxes! Funny thing is I think I had more fun!
There are so many things we've researched, but we haven't given enough thought to this issue. Thank you so much for the info.
There is so much to learn and you will not be alone😀! You are very welcome! Thank you
Oh goodness...a hundred million decisions to make?! I can’t even decide which dishes to keep while downsizing!! And, don’t talk to me about clothes, shoes and purses!! lol. We hope to start our adventures May 2020. We’re also planning to have a very small house on some land we have in Louisiana, so we can rv probably 80-90% of the time. We don’t want to be away from church THAT long! Please keep your videos coming; they are super fun to watch and very informative for us. Thanks!
It's nice to see that you have a plan and plenty of time to execute. Making lists really helped us not to get overwhelmed. Stay close to each other and God! It will work out exactly how it's suppose too👍😀💚
You mentioned AL as Alaska, that's wrong. AL is Alabama and AK is Alaska.
I know! And I'm supposed to be the smart on in the relationship. Just don't tell John! :-)
AL is Alabama, AK is Alaska. ;-)
lol . I know. Oops! :-) . Thank you for correcting us
Re: emissions testing - I know that in Nevada, the only place with emissions testing is in Clark county, around Las Vegas & surrounding areas. So, if your address is within that zone, you WILL have to emissions test your vehicle. Outside of that zone, say in Pahrump, for example, you will NOT have to get your vehicle emissions tested.
In Arizona, the only places in the state that require emissions testing are in the Phoenix & Tucson areas. If your address is in Lake Havasu City or Quartzsite, just to randomly pick two areas, you will NOT have to have your vehicle emissions tested.
What if you choose a state to domicile in, but you are physically somewhere else(which is the whole point of being a full-timer, right?)? You MIGHT have to return to that state every year(or whatever) to get your vehicle inspected!
My point is, make sure to research vehicle registration/inspection requirements when choosing a home state, not just 'no income taxes'. Hope this was helpful!
For our first snowbird trip, we have our housesitters(close friends) check in with us every week or two about mail. We left them a few blank checks for accumulated shipping fees for any forwarding. They also keep a list and receipts. So far, it works for us.(I love your look in this video!)
There is general delivery at the post office. Never have that problem with the park. On mail if I had a package from Amazon I go to the office to let them know it’s coming. Usually it is not a problem if it is amazon will deliver to where ever you want, within reason.
We've hit a ton of parks that don't allow packages. Sooo frustrating!
I use Mail Messages and More in Pahrump, Nev. I've had them for 9 yrs. Their annual fees are very low and svc. is excellent.
We had never heard of them. Thank you for sharing. :-)
This is most important information. Thankyou. I currently live in MO. I plan on taking your advice on Florida. I’m also retired Military. Very tax friendly state , no brainer . Watched many of your videos and. Find them to be the most informative.
We love to help Marc👍😊 Thank you for your Service
Who do you have your RV insurance through and about how much is it?
@@marczdrojewski3061 RvOddsquadinsurance.com
I was surprised to discover that Mercedes was a banker. I thought she had been a teacher because she's a natural at explaining things so that even I can understand them. Thanks Mercedes!
Fabulous information presented in a very compelling way! The topic is very important and I trust that it resonates with your viewers.
Thank you Joe! It's not the most interesting topic, but it's so important! Appreciate the compliment. Making taxes and domicile compelling is quite a challenge! Thank you again!
We domicile in Texas. Reasons: We already live there. We moved to Livingston TX. using the Escapees mail drop and we get mail once a month from them.We registered to vote there as well. All of our Drs. are in Texas although in Dallas so we pop in there annually. Of course we have Medicare with Supplements, and if something is needed we can find a Dr. just about anywhere.
That was a big portion of our reasoning for sticking with FL. Being already residents, it didn't make sense to switch. But TX is a great consideration. We had the discussion about domiciling in TX. If we were residents of a high tax state, like NY or CA, we would have considered TX.
Ok I’m lost I have no idea what to do. I’m a subscriber from Canada and I waited the entire video to hear what we Canadians should do and nothing. We’re left out of everything. Hahahahaha Cheers!!!
I am so sorry F&T! I would be doing such a disservice if I attempted to discuss Canadian tax, mail and or domicile information. So if you know any information, please share it in the comments. I don't want to ignore our northern neighbors.
No worries I was just kidding. We aren’t on the road just yet so we still need to research everything. I do know that Canadians can only be out of the country for I think 5 months because of our health insurance. Cheers!!!
I heard that. but that's about the extent of my Canadian residency knowledge. We have met many families from Canada in the short time that we have been rving. They've been great!
JUSTIN TRUDEAU WILL HELP YA!!!!!!!!!!!!
We are waiting for our new RV to start getting ready for full timing. The plan is to move into the RV to make cleaning out the house easier. I am retired, wife is waiting about a year. My health has prevented me from doing all the hobbies I have set up for retirement. So we have activated plan B. We just found you and are going through some of your videos.
Welcome to the RV Odd Squad Daniel! Hope you enjoy the channel and looking forward to getting to know you👍😀
The US Post Office site will show you a scanned image of the envelope. 2. I never use Bank Statements in the mail. Its called using the internet. 3. YOu can get health insurance stuff electronically. 4. Use a printer. 5. Only thing we get in mail that matters is packages from Amazon.
IM IN DELAWARE AND WE DON'T HAVES ALOTS OF TAXES, WE HAVES NO SALES TAX BUT, IT DEPENDS UPON WHAT YOU MAKES, WE DON'T MAKES ENOUGH TO FILES TAXES BUT, WE DO HAVES LUX . TAXES & PROPERTY TAXES TOO
There is a national Credit Union ATM network that has NO FEEs there is a free app to help you locate one near you. Also Walmart and other similar stores let you get cash back. Bigger credit unions have great online banking with bill pay features. When I finally get out of debt and sell my house, I'm keeping my credit union (Consumer's Credit Union in Michigan).
Thank you Larry💚😀👍
Mercedes, thank you so much for the specifics laid out here. You did a WONDERFUL job.
You are so welcome!
Super thorough & informative as always! Thanks Mercedes!
So glad this was helpful! :-)
Seeing a lot about SD for domicile. One thing that may be of concern - if not now, in the near future - where a legislator Rep. Tom Brunner, R-Nisland, filed House Bill 1129 this session to require that in order to register to vote, a person must actually live in South Dakota. The bill was tabled in committee this year, but may just keep coming up. You can read the full article at www.sdnewswatch.org/stories/thousands-of-s-d-voters-dont-live-where-they-register/
I would think that SD to loose almost $100 Million in vehicle registration fees may slow its progress. Even if these lawmakers do not understand there are and will be a lot of people who do not want to live in sticks and bricks the rest of their lives.
Have not research other states, but think it probably is on people's radar. Guess the best thing is to keep your options open...Too much to see in this beautiful country - keep on traveling
Everyone needs to do their own homework. FL worked best for us because we had already lived there for 4 years. Thank you for sharing this info😀👍
This video was very informative. I like how both of you are so honest with your presentation.
So glad you enjoyed. We tried to give great info and call the good and the bad! Thank you!
I am enjoying your videos- you keep it real, which is greatly appreciated. My husband and I have been summer rvers for several years, but now I am considering doing this on my own when I retire next year and doing it full-time (due to a divorce). This was a great video with good food-for-thought.
Hi Joan. Thank you for taking the time to leave us a kind note. Congrats on your upcoming retirement. Sorry to hear about your divorce. Full time would be very different from part time... But worth considering! :-)
Great videos Mercedes, your videos are informative concerning true RVing issues and NOT rosy BS issues. However, I believe that the graphic showing the 8 states including TN listed AL ( which is Alabama ), but you stated Alaska. The map also illustrated Alabama. I'm bringing this up for clarification purposes only. Stay strong John, we guys have to stick together ..... a day at the park beats talking taxes ...... lol !!! Always, Syn Silver.
You are 100% correct. I got my states mixed up! Big Oops!!! Appreciate you clarifying. I don't want to give incorrect information. But I can't edit videos! :-)
Great video. Florida is a good choice for the no vehicle inspections aspect. And no tax
Yes! Florida has its pros. Plus we were already residents of FL, so the savings was a huge factor. Tell me, did you read the disclosure. It was hard incorporating impervious. Not sure if it counts as it was written, and not said. But these word challenges are so fun to me!
@@RVOddCouple LOL. I was listening more. I'll review the tape :-)
@@RVOddCouple BTW... Lackadaisical...OR Discombobulate... :-) Your choice
@@RVOddCouple Good use of impervious! Written is acceptable. It is tough since I don't know the video topic and you guy don't know the word
@@popsicle33 Yes. It was tricky! Having a blast with word of the video challenge! Throw me another word if you are so inclined... :-)
When my caregiving days are over for my mother with Parkinson's I will be hitting the road. After so much research South Dakota.
South Dakota is a great state for RVers to domicile. They make it very easy! So sorry to hear about your mom with Parkinson's.
Donna Montoya, sorry to hear about your mother's condition. Caregiving is definitely a labor of love. Best wishes for your transition to full-time RV living when the time comes. I too chose South Dakota for reasons I describe in my comment to this video.
Nice work Mercedes! Thank you for all the hard work you’ve both have done. Good job! 😀👍🇺🇸
You are very welcome! Thank you
Tx has a record of excusing jury duty to someone notifying the judge they are out of state. But they don't have to.
Great info! Thank you Mary!
Great info. It sounds very detailed and complete on a topic you don’t see a lot of videos. Thanks!!
Thank you so much for the compliment. I wanted to create a video that was thorough but concise. It's not a "hot" topic, but it's very very important!
Mercedes, thank you so much for your insight on these topics. I've given them a lot of thought, but haven't really made any solid choices about any of them yet, but videos like this will help make our decisions easier... 😊
Happy to help :) Big decision, and is a little different for everyone. Thank you Jeffrey & Eun Ae
We are not retired yet. We do 3/4 time on the road. Our company is in Florida but we maintain residence in Georgia. While there is income tax, we still have stick and brick house there, so homestead tax reduction, plus vehicle registrations, and car insurance would made up the difference.
Banking, I use a credit Union that is actually on Chicago, and do everything online. They approved me for my RV and I become a fan so I am moving all personal accounts there. credit unions ATM networks are great. For business I keep a national Bank.
For mail, I use a family member, living in my house, or we get it when we get there. I get the images of mail coming from USPS, so if something looks urgent, we just request or daughters to open it and send a pic and they mail me all mail once in a while. I do manage all my accounts and bills online
You have a thorough plan. Mail and Domicile doesn't get enough attention. It's so important! But what I like most about your plan is that it is very specific to your individual needs and situation. We all have different needs and there is no "one size fits all" for everyone! Thank you!
Hi Mercedes, thank you so much for the information and a lot food for much thought.
One additional item for people to consider when changing domicile is any licenses they may hold. For myself, looking into getting reciprocity for my nursing license :-) is really important.
But one thing is for sure, no matter what state I go to for my domicile, it is worth it to get out of California...
Maybe Jon can take Sage around the park one more time and you can do another topic - your choice, to do an excellent job! But I thank you both for being so honest and open. Thank You!!!
ohhhh... this is such a good tip! Thank you for adding it. You're 100% right. Great consideration. :-)
Got me! We. Never. Even. Thought. Of. This! Thank you sooooo much! BTW: am I the only one who wants to reach through the screen to push those glasses back up on your nose? 😂😂😂 Love ya! 😉
I can't stand my glasses up too high. lol. So happy this video was helpful. SO much to consider. And everyone's situation is unique.
I did the research several months ago and determined that South Dakota will work best for us along with America's Mailbox. We start full timing next year and our first trip will be to SD to set up our domicile. Enjoyed the video. Thanks
How exciting! It will be here in no time! Very impressed how you have your plan so well organized. It's easy to get excited and jump into things prematurely. We did a ton of research and still had poor planning in some aspects.
@@RVOddCouple I just learned that SD D.L's need to be renewed in person. This means a trip every 5 years. It was never mentioned in any of the YT videos I watched. Do any of the other states you mentioned allow for on-line renewals.
@@stxflyer I'm not sure. I was able to renew my FL DL online due to Covid. But this is a great question!
AL is alabama for social security
Hey,I’m a truck driver from Georgia and would like for Florida to be my domicile state and the reason why is after a few months to a year of driving I want to go to school there and qualify for in-state tuition I just don’t want to rent a apartment until I come off the road. Would this be good for me to make Florida my domicile state now to start establishing residency? Thanks and great video!!!!!!!!
For Amazon packages, Amazon offers a service called Amazon lockers. check it out.
Thanks Scott! We've heard of it but we haven't tried it yet. Sounds like a great option for RVers!
Great video on Domicile and mailing address . Do you feel like ahhh we are home when you cross the Florida border ?
Thank you! We won't know until December...
Great job, I have watched other RV youtube videos on the subject but they did not even come close to the info you provided.
Thank you! It was a big, complicated topic. Glad you liked it! Appreciate the compliment!
RV Odd Couple You did go deeper and provided a lot more information. Other channels who just TOUCH on this topic made it more confusing as they didn’t offer the detailed info like you have Mercedes. Great work! Thanks.
@@Tanacarroll Thank you! I tried to share in this video the way I would if a family member were asking for advice. I would want to give them all the info to consider. Appreciate your compliment! Thank you again!
I truly enjoyed the Q/A. Makes me feel as if I really know you guys! Great job! We are taking our time, exploring our options and hope to have a new rig within the next year. Because of you two, we are now looking at 5th wheels vs. a van! Time will tell... still lots to figure out. It will only be half time while we are in northern Florida during the winter months near my daughter, son-in-laws and our grand babies. Suggestions for a good RV semi permanent park in that area? We know we need/want a sense of community. Keep doing what you’re doing, it’s so helpful and entertaining!
Thank you Tammi. This is why we read all the comments 😊 Love getting to know everyone and hearing of their experiences. We thought we wanted a class “A” but we fell in love with the fifth wheels. We made the right choice but things can change 😊 you definitely want to do an annual lease. Florida books solid in the winter and it’s hard to find space. We talk about this in today’s video @ 9:27am. Go slow and have fun looking at everything and all options.
I have a home base in Michigan. Never did give up my home but go home around Christmas or Birthdays (like family members). But important mail comes to me other junk mail goes to my house
Thank you Jackie! I think that was one of the points that I wanted to stress. You don't have to domicile in FL, TX, SD, or NV. Every situation is unique. And changing your domicile can be expensive, so it's important to think long and hard before making any changes!
Very useful information. I appreciate that you provide the level of detail and all the things to consider regarding RVing full time. Thank you. Take Care and Stay Safe. Hi from Salem Oregon.
Glad it was helpful! Thank you Randy
Great information! Thanks for continuing to call those balls and strikes!
Thank you MWB. Appreciate your feedback and support! Not a juicy topic but a very important one!
I use South Dakota!
That is a good state to Domicile
Great video, thank you! Just one comment: at 4:50, when mentioning states that do not have income tax, you show the letters for Alabama, AL, but you say Alaska. The letters for Alaska are AK. Thank you!
AL is the state abbreviation for Alabama - not Alaska. A friendly FYI!
Julie, I appreciate you mentioning that. I wish I could change it without completely removing the whole video. But It's good that you mention it in case others are confused! Thank you!
Seen the same thing 😂. Happens, no worries
@@RVOddCouple I noticed someone had left the comment AFTER I left mine! Those A states are the most confusing!
Appreciate the understanding! :-)
New Hampshire as well no state income tax on SS. and pensions
Exactly! This is why the traditional RV Domicile states may not be the best states for you. Everyone's circumstances are unique and I want to encourage people to explore all of their options!
You mention not going with escapees because of the large number of pages that come with things like medical insurance yearly updates and their cost per scanned page. What I don't think is covered here is that you really don't need to have anything scanned that isn't urgent. Yes, those mailings are a huge number of pages, but for what reason would you need them to scan those? Switch to paperless for all your bills and bank statements. The only things that you might need to have scanned are official documents from state or local government that you aren't sure might be time sensitive. If something isn't time sensitive, you don't need it scanned, just have it forwarded. I can't see an average person needing more than 1-2 documents scanned a month if even that.
Interesting point. I like having things scanned but for some, it may not be necessary. :-) . We switched to paperless but we're still getting 20 pieces of mail (although some of that is related to the youtube channel)
I am a CPA and tax manager, I think you did a great job with this. We will maintain our permanent residence in FL as well. One of the areas I want to dig deeper in to are the state laws applying to telecommuting and state income taxes. Hey, maybe I’ll do a video on it sometime!
You certainly know more than I do on the topic. But I appreciate your saying I did a great job. That makes me proud! And yes, you should totally do a video. Coming from a CPA you could offer a great perspective!
Thanks!
So a "scan" is having them open and read your mail?
Your link to America's mailbox goes to something completely unrelated and I don't even know what it is just letting you know I'm going to go look it up for myself This was a really great video. Thanks for the valuable info.
Thank you
Do y’all have a video on what you do for WiFi?
Working on one
Now that you guys have been RVing full time for a few years have you learned anything else about best places to domicile in? We had a sticks and bricks in Michigan and still have ties to that area with family. The insurance is high in Michigan and our registration and plates are crazy prices in Michigan. Our plate for example is about $1,500 for 1 year for our RV. But we may return to Michigan and purchase a small home in a few years. So, if you have any new insight it would be appreciated.
Are you a teacher, because honestly, your good at it....What you guys do for living???
Thank you! What a compliment! I wanted to be a teacher. I'm a life long nerd! We work remotely. We did a video that talks about it more in depth.
@@RVOddCouple what is the name of that video?
@@k.c.mcqueen th-cam.com/video/FqEWYvPAWsU/w-d-xo.html
Hmmmm..... who's blue, who's red? 🤔
When speaking about income tax within each state, it should be referred to as State Income Tax because so many have accepted this to mean they wouldn't pay Federal Tax, yes some people actually think that. We'll never get away from Federal Tax.
We did our research, America's Mailbox was by far the best.
We're saving a tremendous amount of money to be doing business in South Dakota.
< Sales tax 4%
< Registration
No State Income Tax
State Weapons Carry Permit has reciprocal agreements with more States then most any other state CCW.
To become a resident of South Dakota only requires a 24 hour stay....and America's Mailbox helps with it all.
Cindy this is phenomenal feedback! Thank you so much! My only wish was that America's Mailbox worked in FL. Even though America's Mailbox looked like the smaller company, it was very clear in their reviews that their service was more personalized and hands-on. There are so many things to consider, but you bring up additional benefits to domicile in SD as an RVer. And you are absolutely right regarding State income taxes vs. Federal income taxes. Uncle Sam always gets paid! LOL!
Exactly! Cindy, I see your name come up all the time in Fountain Hills connection and other Facebook groups. What a small world. I'm changing residency from Fountain Hills Arizona to America's mailbox in South Dakota next month!
@@RVOddCouple I don't understand why America's Mailbox wouldn't work in Florida, it works everywhere.
I also suggest to fellow RVers, don't forward your mail!
First change the address on your important items, opt out of mailing statements and bills, and don't leave a forwarding address.
Receive all your important bank statements, insurance and medical bills online.
That way you should not be receiving any commercial mail at your new address. Opt out of all 'address sharing' under the Privacy of Information Act. Then you will only receive personal mail at your new address, i.e. birthday and CHRISTmas cards. 😉
Great question Cindy Rose. We need mail to be delivered to FL to help with Domicile process. Great advice on the Privacy of Information Act. Wish we had known about that. Thanks again for your fantastic information. Please don't hesitate to share any other good info you have! This helps so many newbie rvers in their journey!
Cindy I cannot agree more!!! SD would have been perfect for my family all except for the fact that I have young children and that South Dakota has some of the strictest home-school laws making it not a viable option for us 😭 I am luckier than most though when it comes to concealed carry I qualify for The Law Enforcement Officers Safety Act (LEOSA) therefore I do not I need to carry a permit for each state I am allowed to carry anywhere in the continental United States under my badge.
We have everything to get going in January 2020 BUT health insurance for my 56 year old wife. looking forward to that video . We need help with this one and we are in Virginia .
Health Insurance is a tough one! We are still trying to figure it out💚
Long and thought out. Good Great information. Back to Netflix....I will finish this later. 👍
I live in MN, and am on SSDI and am not taxed on that income. Your map however, does not show MN in turquoise.
America's mailbox in box elder South Dakota!
Wish they covered FL! But worth mentioning!
Thx for this great, informative and humorous video! Quick note, AL is abbreviation for Alabama. I believe, Alaska is AK. Thanks again for this fun video 🙂
So glad you liked the video Laura. You know I wish I could fix it but it's too late. There are limits to video edits once they are up. With that said, I appreciate you pointing it out. We had someone say, "Hey there's income taxes in Alabama." and I felt so silly! But I want the right information up so thank you! Thank you!
@@RVOddCoupleBUT, you were correct in SAYING that AK (Alaska) does not collect State Taxes! 👍I only know these things cuz I have relatives in Alabama and I use to have a BF who was from Alaska 😜 Anyway, Great job on your video! 😁
@@lauranewell5200 Thank you 😀
@@RVOddCouple AL has no income tax for military retirees, so there's an asterisk there at least! :)
Buying property (and therefore paying property tax) in the state where you have domiciled in is another LEGAL loophole for not having to change your license and registration each state you spend more than 30 days in. TAKE that property tax proof with you because courts will throw out a charge against you with that document. My sister and her husband were long haul truckers out of Ohio. When they got to California they were ticketed for SMOKING IN THEIR PLACE OF WORK. WHAT? Anyway, the CHP officer waisted their time and caused them undue stress as they discovered in court the following week. They got the ticket thrown out because while it was true that they were in a corporate truck it had a sleeper cab and therefore it was also their place of residence.
Oh my goodness! That's good to know. But I'm confused. I thought that was legal in CA? lol
Awesome video! I live in Florida and our house is listed (plan in place, realtor says 30 days will see haha). My current vehicles are registered here but under this home address, still not clear what service you use to set a physical address at least on paper in Florida for domicile. Licence renewal car tags so forth. I fully get the mail services and am looking into them, most stuff is online though for me...paperless. Thanks and love your videos!
You are very welcome Troy! The Physical address will become Domicile address. Thank again
Mercedes, fantastic job on the video! Great organized information! You were able to confirm our choice, thanks.
Brendan & Lena
Very Cool! So happy this was helpful! Thank you! Safe Travels to you and Lena!
Lol. What a hoot. Lots of good info. Thank you
Thank you Jose'💚
Thank you very much for the informative video
Thank you! Glad you enjoyed! :-)
As for someone who has lived my entire life in California (So Cal) I'm guessing that choosing CA is near the bottom of the list :)
LOL snackman! Too expensive
Exactly! Which is why I might end up living in my trailer one day.
Another thing to consider is what type of pensions are taxed...for example, Arizona taxes my military retirement. You can bank in Credit Unions without issue if you make sure they do shared branching. Mojauvee...Mohave....Alabama....Alaska....tomato... tomauto....maybe John should handle the Geography and English portion of the homeschooling!?!? Only kidding!!! Great video, great tips....thank you both.
AZ taxes military retirement? Wow! Great info for anyone considering AZ. And regarding AL vs. AK... I wish I could say that I was just trying to get everyone to forget the whole "Mojave incident," but I can't... It was a typing at 1am situation! Oh my goodness poor Sage. She is either destined to say "Mojauvee" (thereby speaking poor Spanish) or call me her "muthah" (and speak Bostonian English). 😂
It's all good...."muthah"....that's funny!
Do the mail services sift out and dispose of junk mail? I would hate to be paying to have unsolicited junk mail forwarded.
They remove junk mail
S.D. And use America’s mailbox. There great
I hear that their service is above and beyond. Wish they were in FL.
Why does no one mention St. Brendan's Isle when discussing mail forwarders? Especially those domiciling in Florida? Am I missing something?
AL stands for Alabama.
Thank you for the help!
Great topic guys! Thanks for sharing this much needed information with us. Especially enjoyed the beginning where you talk about the taxes.
Peace & Love!
Have a Glamtastic Day!
👍😀🌈🤪🌈😎🌈😍
Hey Glamping Guys! Thanks for the support! Glad you liked the video! You guys have a Glamperific day! 💚😍💚👍
Just a "Head's up" - You might want to investigate further re: State Law. For instance, Texas law is not honored in Florida. Example: TX honors common-law marriage but Florida does not recognize Texas Common-Law marriage. Federal regulation honors state law. I performed a wedding for a TX couple in a Florida Veteran's Hospital so the wife could be regarded as married.
So I just retired military 3 years ago and have been full time rv since the divorce. So retired military and 100 percent disabled via VA is Texas the best option for me. That is what I’m thinking as of right now. Currently Colorado but got to chose new state this summer…. Thanks for any and all help
Thank you! We were just discussing this last night. We’ll be going full time later this year. 😊😊
Oh how exciting! Then this is perfect timing. The earlier you consider these types of questions, the less stress in your full time RV journey! Don't hesitate to ask any questions. If we don't know the answer, someone else will!
That website has a flaw though. NH doesn't tax SS income:
New Hampshire is tax-friendly toward retirees.
Social Security income is not taxed.
Withdrawals from retirement accounts are not taxed.
Wages are taxed at normal rates, and your marginal state tax rate is 0.0%.
Public and private pension income are not taxed.
Where they get you: 9% room and meals tax. Property tax.
Good info! Thank you Marc👍😃
Great information, Mercedes! Thank you. Do it! Take more time for yourself 😃 It will change your life!
I'm pretty lucky. John is very active in Sage's parenting. And I love my daughter so much. But that time alone is golden!!! You are absolutely right!
RV Odd Couple
Absolutely! We love our precious children, and our wonderful husbands who contribute so much, but amazing, ever-present, always mindful, loving, caring Moms need their time, and that is sometimes easily overlooked because we just make it all look so easy. So, cherish every moment with your family and all those golden moments for yourself! Love the RV Odd Couple!!
You are so right. It's easy to overlook yourself. I'm noticing my tolerance for that is decreasing and I get really grumpy if I don't practice self-care. John notices too! Lol! Love you too Christy! Appreciate your kind and wise words!
Outstanding breakdown, thank you for the information.
Glad that it helped you Dan. Thank you😀👍
That was great thank you so much.
I’m confused as to how this can serve as a domicile address with a PMB. Most school districts won’t accept a PMB if the address contain a Suite Number as well because it’s not viewed as a residential address. How did you work around that ?
Working on another Domicile video. We’ve learned a ton in 2 years. Some truth to what you say
@@RVOddCouple have you guys made some updates video?
@@iamkevindchan we were wrong. Here is our update video explaining what you're sharing: th-cam.com/video/YAgEnAOlbj8/w-d-xo.html
Great video thanks for all the info..we are going to try full time in 3 years after retirement..Im just try to get all ducks in a row frist...I really enjoy the videos..Im new to your channel..
Hi Jack. Thank you! Glad you enjoyed the video. Mail is such an important topic. Hope this was helpful! :-)