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05-24-2018, 03:55 AM
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#1
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Senior Member
Join Date: May 2018
Location: NC
Posts: 155
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AGGHHH help
We put our house on the market last week figuring a year to sell. Sold last week to the first looker. 26 years worth of stuff in 4800 sq ft. 54 days till we have to be out.
Plan was to buy a 5th wheel and truck, then in 6-10 months build a much smaller house. Deal with all the packing up, due diligence repairs of our home buyer, etc. Our 3rd 5th wheel.
Seems like no one wants people without a fixed address. Cannot even get insurance on the 5th wheel we want without lying (sales rep advice). Social Security people, driver license, banks, all want a permanant address.
Are my plans impossible? Any books out there for reference? I see a few threads with full-timers.
We found out we get a cheaper price if we finance, then pay off in 6 months than paying cash up front.
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05-24-2018, 05:09 AM
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#2
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Senior Member
Tiffin Owners Club
Join Date: Jul 2016
Location: Where we park it!
Posts: 13,145
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Time for a deep breath All doable. We managed to get a mail service that helped us get a Florida Driver's license and register to vote in Florida so legal residents of Florida. We also got financing and insurance for our new coach all with out a physical residency (home), though had to get full time insurance and had to pay an extra 0.75% on the loan. So just do some investigating and like I said all doable.
Congrats on the sale of your home.
__________________
momdoc
2018 Tiffin Allegro RED 37PA
2020 JEEP Trailhawk
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05-24-2018, 06:04 AM
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#3
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Senior Member
Winnebago Owners Club Appalachian Campers Coastal Campers Carolina Campers
Join Date: Jul 2011
Location: North Carolina
Posts: 2,828
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Can't you use your current address until you have to vacate? Once you get everything financed, etc. you can change the address to whatever service you intend to use. We use our daughters address for everything. Since almost everything is done online, there isn't alot of mail.
__________________
Brenda and Frank, FTers, Zebulon, NC
Raisin our mixed hound and BooBoo our cat.
2004 Itasca Suncruiser
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05-24-2018, 09:52 AM
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#4
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Senior Member
Join Date: Mar 2017
Posts: 541
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We just sold our home too. Used our address for everything until we had to be out of it for closing and then just called the bank and told them the P.O. box we use now.
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05-24-2018, 12:35 PM
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#5
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Senior Member
Solo Rvers Club iRV2 No Limits Club
Join Date: Feb 2011
Location: Yuma County, AZ
Posts: 10,868
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Look back thru the archives of this thread for the word "Domicile" and you'll get lots of advice.
I wouldn’t suggest you lie, but don’t give out more info than you must. For the next 54 days you have an address. Just use it and shhh
__________________
Barb (RVM18) with Morkies Lily & Bebe RIP Sena FMCA#F466348
"Homer" ‘11 Shasta Cynara, pulling "Ranger" '97 Ford Ranger toad
The Journey is Our Destination. Full-timer May 2011 - July 2021
[SIGPIC][/SIGPIC]
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05-24-2018, 12:42 PM
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#6
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Senior Member/RVM #90
Monaco Owners Club
Join Date: Nov 2002
Location: Columbus, MS
Posts: 54,578
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Hi ! Welcome to IRV2! We're sure glad you joined the gang!
The fulltimers here will give you all the info you need!
Good luck, happy trails, and God bless!
__________________
Joe & Annette
Sometimes I sits and thinks, sometimes I just sits.....
2002 Monaco Windsor 40PBT, 2013 Honda CRV AWD
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05-24-2018, 01:14 PM
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#7
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Senior Member
Alpine Owners Club
Join Date: Sep 2005
Location: Traveling in North America
Posts: 2,248
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We also sold our house much quicker than expected. Since we were still working, we rented a small townhouse for a year (went from 3500 sq ft to 1400 sq ft to 400 sq ft) which gave us time to get everything in place. You are still in the house so use that address to get things in motion. Get everything moved to online and then, once you set up your mail forwarding address (either with a company or relative) you can 'move' to that address. Lots of us have done this, so relax, have an ice cream cone, and ask questions and we will help you get things in order.
__________________
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
Blog
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05-25-2018, 12:19 AM
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#8
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: May 2012
Location: Today? Clayton, North Carolina
Posts: 5,093
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AGGHHH help
Deltam ....
1. WELCOME!! Welcome to the forum, welcome to fulltiming! LESSON #1: things rarely go according to plan.
2. No cause for panic, just calm down. You still own the house, so that’s your domicile for the next 54 days. Perform administrative tasks accordingly.
3. You had a 1+ year timeline worked out in your mind, perhaps on paper. Now one element of your plan has accelerated. STOP! No need to rewrite and reschedule the whole plan. Simply adjust the one element that has changed, and carry on with the original plan. You were going to be hanging around Advance for another year anyway, so why change that? You’re right between Charlotte and Greensboro. Take a year lease on a condo and rent a nearby fair sized storage area. When you move in two months, take advantage of the event to perform a coarse cull on the house contents. Some to the condo, some to the storage area, some to charity. Boom! You’re right back on schedule. Carry on with your plan.
Many have been down this road. When your plan self-adjusts, sometimes it costs you a few bucks, sometimes not. But it doesn’t have to be a disaster.
And there are plenty of folks here with advice!
__________________
John and Diane (RIP Lincoln, 21 FEB 22) RVM103 NHSO
Fulltimers since June, 2012
2002 Dutch Star 40, Freightliner, Cat 3126, 2004 Element
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05-25-2018, 01:22 AM
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#9
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Senior Member
Join Date: Dec 1969
Posts: 2,614
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No rule says you have to be at your 'permanent' address. Currently we are having mail forwarded to our summer PO Box.
Society does not understand the boondockingl lifestyle. Do not try to explain, that is not lying.
No rule says you can only have one bank account. We still have a bank account that we have had for many years. We also have Chase account when we need to go to a bank and get cash.
__________________
Kit & Rita (in memory)
37 foot ‘98 HolidayRambler Endeavor diesel pusher
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05-25-2018, 04:36 AM
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#10
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Senior Member
Join Date: May 2018
Location: NC
Posts: 155
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Part of my trouble is my former hanger 50x55 storage building. I am a retired General Contractor borderline hoarder. Boxes of leftover building supplies, such as nails, rolls of insulation, tools, saws, skid-stear, tractor and attachments, other stuff. This development where we live does not allow yard sales. So it is take it with us, pay to store stuff, or to the dump or the Habitat folks. I hate throwing away a board or nails that are useable or sell for 5 cents on the dollar but don't have time even for that.
We met with the "2 and a truck" mover yesterday. He said they may not be the company we need as they don't have 18 wheelers. It would take 3 of their trucks. We live in an airpark and no room for an 18 wheeler.
Well more stuff for Habitat for Humanity I guess.
Something else. I have MS. Not advanced yet but causes issues. Knees are shot. Maybe another 5 years before bilateral total knee replacement. For that reason the flat floor of a motorhome looks inviting. Steps going to the bedroom of a 5er not so much.
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05-25-2018, 11:08 AM
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#11
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Senior Member
Solo Rvers Club iRV2 No Limits Club
Join Date: Feb 2011
Location: Yuma County, AZ
Posts: 10,868
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deltam, think of the marvelous tax deduction you'll have for your donations to Habitat.
I'm not quite a hoarder but I often think, "I could do something with that short piece of ..." Just close your eyes and let it go. There's not enough room or weight capacity to hold onto stuff in an RV. If possible have someone else do the sorting for you.
On knee replacements - do them ASAP and get it over. Why suffer for years? An RV makes a great place to recover as the distance to everything is much shorter. Also many hospitals have RV parking so your wife can be close by.
__________________
Barb (RVM18) with Morkies Lily & Bebe RIP Sena FMCA#F466348
"Homer" ‘11 Shasta Cynara, pulling "Ranger" '97 Ford Ranger toad
The Journey is Our Destination. Full-timer May 2011 - July 2021
[SIGPIC][/SIGPIC]
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05-25-2018, 07:05 PM
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#12
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Senior Member
Join Date: Nov 2016
Posts: 304
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If your subdivision doesn't allow garage sales do they allow auctions? Just a thought. If not you could always hire an auction site and have everything you want to sell transported to the auction house.
It's true most insurances will not insure RVs and vehicles of people who full time. There ARE a handful of insurance companies that DO though so don't panic. We use Progressive. They have regular full timers insurance.
Also, you will have to claim some where as your address, your domicle. We chose Florida because of several reasons. WE use St. Brendan's Isle as our mail service. They are very good and many full timers on this forum use them. They are located in Green Cove Springs Florida. Once you register with them, this takes a while because you have to sign paperwork in front of a notary and send it to them, they will set you up with an online account. When you receive mail they will send you an email telling you have mail. Then go to their website, sign into your account and you can see the mail you received. They take a picture of the front of the envelope or package. You can receive mail or packages there via the post office, FedEx or UPS. Anyways you can look at the picture of the mail you have received. Then you can click a button as to what you want them to do with it. Your choices are for them to scan the inside contents of the envelope so you can then see it online the next day, or you can click to have them just hold on to that piece of mail, or you can click to have them shred it. Many RV parks/campgrounds will let you receive mail at the campground, especially if you're going to be there a while. Or you can have your mail sent General Delivery to a near by post office. When you are ready to receive mail that St. Brendan's Isle is holding for you, you go back to your online account and fill out an online form where you'd like them to send it and you can choose how you'd like it sent. We usually choose priority mail by USPS (takes 3-4 business days) or Express Delivery if we need it in 1-2 days.
I think the person who suggested you rent a condo for a year had a good idea. That way you wont feel quite as rushed. You'll still need to empty your big out building, but everything else can keep on schedule and you won't have a heart attack trying to get everything done in the next 6 weeks. Slow down, breathe, it's all doable.
__________________
2017 Heartland North Trail Calibur Edition
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05-26-2018, 03:17 AM
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#13
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RV LIFE Support Team
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Our area doesn't allow yard sales but does allow estate sales, so we name our yard sales estate sales and go forward.
You need to get a mail service so you can take care of that end. Many available. Future thought is to decide what state you want to be your domicile.
Take pictures of everything you plan to donate then call Habitat and have them get it.
All you panics are workable. Once you have an address and decide on what state will be your domicile(we use TX). Part of this decision is your age and medical insurance. Call an insurance broker: FCIS or Miller are 2, there are others. You want full time insurance.
Option: rent a house for a year if that will help, get the kids over to help, hire people. Do not get a storage unit with the intent of getting back to it, you won't.
Knees: I have had a double knee replacement(3 years between), do it sooner than later, no regrets.
__________________
Sue
2015 Winnebago Vista 36Y + Honda CRV
RV LIFE Support Team
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05-26-2018, 04:38 AM
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#14
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Senior Member
Join Date: Oct 2016
Location: Rendon, Texas
Posts: 1,455
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I too have been in a situation somewhat similar to yours. I agonized about all this “good stuff” that I couldn’t keep any longer. Finally I decided to sell some things and give the rest away. I mentally went through the “who can use this stuff?” Exercise in my mind. I ended up selling some stuff to others in the same business who were friends of mine at a great price for them. I also gave a lot of it to charities who could make better use of it than I could. In the end, only trash went to the trash pile. I got satisfaction from knowing that the “good stuff” I used to own was now being used, which is a lot better than sitting around collecting dust. That was one of the best decisions I ever made, and I had warehouses full of “good stuff”.
Keep good records for itemizing on taxes.
Good luck on the new chapter in your life.
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