Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-03-2014, 10:52 AM   #1
Senior Member
 
MoHoGo's Avatar
 
Entegra Owners Club
Join Date: Dec 2013
Posts: 1,059
Domicile State Fl or SD Pro / Cons

Sell the home and will pick a more tax friendly state to establish as our domicile. The two we are focused on are Florida and South Dakota. Since these are common RV domiciles I am curious what the general opinion is of one over the other.

If we have not bought the RV yet it will probably be SD as the sales tax of 3% would save us over 10K. SD also seems to be a bit easier to establish and easier to maintain residence while FT. Florida is attractive to us as I was raised there and have family in the state and it is certainly easier to travel too in say January.

There is medial insurance to consider as well, knowing Florida is home many in my age group makes me wonder if there would be advantages that I am currently not seeing for health insurance/MH insurance and other taxes or fees.

Please chime in and let me know your thought process as you were making a similar decision. It will really be appreciated.

Regards,

Jim
__________________

__________________
MoHoGo is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-03-2014, 11:28 AM   #2
Senior Member
 
onlakegaston's Avatar
 
Workhorse Chassis Owner
Join Date: Jul 2013
Location: Somewhere
Posts: 301
Check this new post by WheelingIT...My wife and I were also considering SD...will have to look at FL or TX..
Jim


No options left for pre-Medicare health insurance in SD for fulltime RVers - iRV2 Forums
__________________

__________________
Jim, Lisa and Reno
2003 Coachmen Aurora Gold 3510DS Ultra Power Koni FSD Scan Gauge II
Full Time in Mission TX for winter.
onlakegaston is offline   Reply With Quote
Old 09-03-2014, 05:12 PM   #3
Senior Member
 
missourijan's Avatar
 
Join Date: Aug 2006
Posts: 627
Apparently, there is an issue with pre medicare patients getting reasonable health care coverage with a SD address. This could become quite an issue. One of us goes on Medicare next year but the other will still require self purchased health care and we have a SD address. We have previously purchased 6 month temp policies through ehealthinsurance.com but they don't meet ACA requirements. We'll see what happens with SD.
__________________
Jan & Thomas
2012 Drv Mobile Suite
2012 Ford F350 Super Duty
missourijan is offline   Reply With Quote
Old 09-03-2014, 06:01 PM   #4
Senior Member
 
Selah's Avatar
 
Join Date: Oct 2012
Location: Indiana
Posts: 2,319
I can't speak about SD but nothing could be easier than claiming Florida as your domicile. Take a look at the St. Brendan's Isle mail service web site. It has all the information you need for changing your domicile.
We followed there instructions to the letter and it took one afternoon to,change residency, get registered to vote, new drivers license, and plates for both the MH and toad. Remember also that you will need to re-do you Last Will and Testament, medical surrogate and things of that nature that are residency specific
I'm sure some of the SD mail sites have similar instructions and forms. Just follow them exactly and there shouldn't be a problem.
__________________
Paul, Kathy, and Tux the Mini Schnauzer
2014 Tiffin Phaeton 42 LH, 2013 Honda CRV
"When the time comes to look back, make sure you'll like what you see"
Selah is offline   Reply With Quote
Old 09-03-2014, 06:43 PM   #5
Senior Member
 
MoHoGo's Avatar
 
Entegra Owners Club
Join Date: Dec 2013
Posts: 1,059
SD med insurance

We really did think we had it figured out, but the insurance thing is certainly a bump in the road.


Quote:
Originally Posted by Selah View Post
I can't speak about SD but nothing could be easier than claiming Florida as your domicile. Take a look at the St. Brendan's Isle mail service web site. It has all the information you need for changing your domicile.
We followed there instructions to the letter and it took one afternoon to,change residency, get registered to vote, new drivers license, and plates for both the MH and toad. Remember also that you will need to re-do you Last Will and Testament, medical surrogate and things of that nature that are residency specific
I'm sure some of the SD mail sites have similar instructions and forms. Just follow them exactly and there shouldn't be a problem.
__________________
MoHoGo is offline   Reply With Quote
Old 09-03-2014, 07:04 PM   #6
Senior Member
 
wa8yxm's Avatar
 
Damon Owners Club
Workhorse Chassis Owner
Join Date: Mar 2009
Posts: 22,792
You also forgot Texas (Escapees RV club).

For assorted reasons (Mostly more stringent driver's license requirements and some politics) I do not wish to become a Texan... (For other reasons it sounds.. Interesting)

Likewise for political reasons, I wish to to swim in the sea of flowers (Floridia).

I WILL NOT DISCUSS THE POLITICAL REASONS.

That leaves SD and NV.. In NV taxes, depending on where in NV can be... Tough.. Plus I have no ties to that state any more.

And SD.. is not where I wish to be when my licenses come up for renewal

THUS.. I will likely move to FL, since.. Well, least of all evils
__________________
Home is where I park it!
wa8yxm is offline   Reply With Quote
Old 09-03-2014, 08:22 PM   #7
Senior Member
 
Hooligan's Avatar
 
Freightliner Owners Club
Join Date: Apr 2002
Location: Pensacola
Posts: 2,204
Florida is an excellent domicile state and is not difficult to establish residency.
Homeowners insurance needs to be considered. Policies have a separate deductible for hurricane losses which can result in high out of pocket costs. These deductibles can be 2, 5 or 10% of the value of the property. (depends on the value of the house) A 5% deductible on a $300,000 house would require you to pay the first $15,000 of a loss due to a hurricane. Normal losses are covered by the usual $500 or $1000 deductible. In addition the hurricane coverage almost triples the cost of the non-hurricane coverage in my policy. Neither homeowners or hurricane insurance covers flood damage...
The Average Price of Hurricane Insurance in Florida | eHow
__________________
Hooligan, Pensacola, Fl -U.S. Coast Guard 1956-1985
2016 Thor Siesta Sprinter 24ST diesel
Our Pug "Lily" & "George" the Newfoundland
Hooligan is offline   Reply With Quote
Old 09-05-2014, 08:16 PM   #8
Junior Member
 
Join Date: Aug 2014
Location: NJ
Posts: 12
Tell me more about Texas someone Most important for us is the quality of doctor/hospital options as we have some health concerns. We would be on ACA as we're not yet 62. But health concerns have convinced me to not put off our dream another second. Hubbys been working 45 years and counting. 30+ to get a pension. I have to keep healthcare high in my mind with where we would one day domicile. TX and Florida both have good choices.
__________________
Caitie is offline   Reply With Quote
Old 09-05-2014, 08:31 PM   #9
Registered User
 
Excel Owners Club
Retired Fire Service RVer's
Join Date: Nov 2010
Location: Farmington NM
Posts: 1,822
We did the SD domicle through America's Mailbox. Very easy. We have nation wide BCBS health insurance that I have used in 3 states with no issues. Check if Tx and Fl have annual vehicle inspection that could be a hassle when trying to fulltime. Also cost of vehicle registration should be concidered.good luck.
__________________
chief02 is offline   Reply With Quote
Old 09-05-2014, 09:17 PM   #10
Senior Member
 
Join Date: Feb 2011
Location: Snowbird - Waterford Mi and Citrus Springs Fl.
Posts: 3,608
One thing that struck me about Florida doesn't come up often. The price of electricity and water is incredibly inexpensive compared to Michigan. Our all electric FL house is generally no more than 75.00 a month for electric (peak season - winter and summer), there is no gas bill, and I haven't seen a water bill for 20.00 yet...

So, our homeowners insurance is nearly twice as much in Florida as it is in Mi (we're 10 miles off the Gulf, but in a high and dry area, so flood insurance isn't necessary), but when you factor in the difference in energy costs, the home in Florida is quite a bit less money on an annual basis. Our FL. property taxes are about half as well, and Fl vehicle insurance is cheap compared to MI, as MI has this wonderful "No Fault" law.....

Pay attention when it comes to where you are relocating in Fl. Flood insurance may be an excellent plan in many areas, and there's quite the debate/scandal over how gov't subsidy losses affect the cost of flood insurance at the moment down there.

When we left last May, the news was all over a retired couple's waterfront dream house they had just purchased. Nice place, wasn't cheap (250k), but when they found that after recent changes their flood insurance was going to cost them 45k annually they freaked! Insurance costs like that are not affordable for anyone, and pretty much kill the value of the home. That issue causing quite the commotion when we left. Not sure if it's been resolved or not.
__________________
1997 37' HR Endeavor, 275hp Cat, Freightliner
03 CR-V Blue Ox, Ready Brake
ahicks is offline   Reply With Quote
Old 09-05-2014, 11:00 PM   #11
Senior Member
 
Hooligan's Avatar
 
Freightliner Owners Club
Join Date: Apr 2002
Location: Pensacola
Posts: 2,204
Florida no longer has a vehicle inspection, used vehicles from out of state are inspected to verify VIN and odometer.
In the state of Florida, a motor vehicle is required by law to be registered within ten days of the owner either becoming employed, placing children in public school, or establishing residency. Registering your motor vehicle goes hand in hand with the titling process.

Fees - Florida Highway Safety and Motor Vehicles
__________________
Hooligan, Pensacola, Fl -U.S. Coast Guard 1956-1985
2016 Thor Siesta Sprinter 24ST diesel
Our Pug "Lily" & "George" the Newfoundland
Hooligan is offline   Reply With Quote
Old 09-05-2014, 11:51 PM   #12
Senior Member
 
Join Date: May 2009
Posts: 2,159
Yes, the Big Three full timer states seem to be SD, TX, and FL mainly because there's no state income taxes.

However, Alaska, Nevada, Washington, Wyoming, New Hampshire, and Tennessee also do not have state income taxes -- but NH and TN do collect taxes on dividend & interest income.

However, if you're on a fixed income, state taxes may not amount to much. You can always download state tax forms and plug in your income numbers.

Quote:
Originally Posted by campbell36 View Post
We really did think we had it figured out, but the insurance thing is certainly a bump in the road.
Oh yeah! If you're pre-Medicare, forget about SD. But don't take my word for it, check out www.rverhealthinsurance.com (click on SD on the map on the bottom of the page).

If you haven't done so already, you can check what health insurance is available across the country using www.healthsherpa.com.

Finally, TX is implementing a new vehicle registration process next year, so if you can, you may want to wait a year before selecting TX as a domicile.
__________________

__________________
2001 Mountain Aire DP 4095
2008 Jeep Wrangler Rubicon
RVSeniorMoments.com
TechWriter is offline   Reply With Quote
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
State/ National park 30' limits... is that really a big deal? cptgregger iRV2.com General Discussion 28 09-29-2014 06:15 PM
State Parks in Pa. Promised land state park Finelinevan Camping Locations, Plans & Trip Reports 4 08-08-2014 09:14 AM
How do I declare a domicile? Radio Flyer Full-Timers 21 07-27-2014 10:46 AM
South Dakota as Domicile State MoHoGo iRV2.com General Discussion 15 07-12-2014 08:37 PM
Earning Your State Stickers BamBoom iRV2.com General Discussion 32 03-19-2014 10:59 PM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 01:01 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.