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Old 08-20-2012, 03:05 PM   #1
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Looking for Constructive Comments on Full-Time RV Game Plan

I am retired and going through all the research to start full-time living in probably a 40' travel trailer. Since I can't drive due to a disability and use electric bikes for the around town type of needs, a bit of a planning is needed to properly to put it all together. Consequently, I have developed a "game plan" that I would like comments on feasibility from experienced Rvers. Areas that need the most attention due to lack of info on forums and such are underlined. Here is what I am thinking:
The Plan . . .
1. Purchase the trailer out of state, if need be for best price, and have it registered to a Montana LLC.
2. Purchase 3rd party insurance.
3. Have mover deliver belongings (having reduced them to only what is needed) to the trailer when it arrives at the dealer. Also have items such as portable patio and other items such as portable solar panels that will be used with the trailer delivered to the dealer .
4. Live in the trailer at the dealership for 3-5 days to work out any bugs that need attention by the dealer, as it is unlikely that there will ever be a return visit.
5. Hire a driver with 1 ton truck and hitch to bring me and the trailer to a predetermined location for the first 6 months of living in the trailer. Do the same to a new location after 6 months.
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Old 08-21-2012, 05:43 AM   #2
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Beware of the Montana LLC plan. Many are in legal trouble going that way. I chose South Dakota residency with only 3% tax on my moho. Just got renewal notice on license plates for my 2011 RV and 2012 car -- $158. My insurance is very reasonable also, due to legal address being a rural town of 600. I use My Home Address in Emery as my mail forwarding service.
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Old 08-21-2012, 05:46 AM   #3
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I would use the RV for a couple of days before filling with belongings - it is much easier to fix/modify stuff in an empty trailer than a full one.

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Old 08-21-2012, 06:22 AM   #4
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Do your homework on the LLC to make sure it's the best fit for your personal situation. By "third party insurance" I assume you're just referring to getting the rig insured?

It sounds like a good plan to me. Go for it and best of luck.

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Old 08-21-2012, 05:06 PM   #5
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Okmunky, do you work with someone there? If so, is it someone you would recommend and suggest? The 3% is reasonable, others not so reasonable. If worst comes to worst, I am seriously considering living in Montana for a while (at least in the summer).

Good point, stephen44. I will add that to my plan.

Thanks for the response, Ricko. The research isn't over with, yet. But getting there before making the jump.
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Old 08-21-2012, 05:25 PM   #6
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If you live in one state for too long, (some states are 30 days) you become a resident and need to register the vehicle there as well as pay taxes as a resident.
LLC will not shield you from these requirements.
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Old 08-22-2012, 05:52 AM   #7
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Guess it would be a good idea to get a complete list of states somewhere and their mandates to plan my route of living a little bit in which ones for how long. Thanks.
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Old 08-22-2012, 06:10 AM   #8
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Quote:
Originally Posted by Mr_D View Post
If you live in one state for too long, (some states are 30 days) you become a resident and need to register the vehicle there as well as pay taxes as a resident.
LLC will not shield you from these requirements.
Mr_D,
Just curious, which state or states require you to become a resident if you stay over 30 days in a travel trailer??
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Old 08-23-2012, 10:34 PM   #9
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If you don't have a tow vehicle then you really aren't traveling, so any state will look at you as having become a new resident after 30-90 days.

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Old 08-23-2012, 10:47 PM   #10
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Quote:
Originally Posted by stik View Post
Mr_D,
Just curious, which state or states require you to become a resident if you stay over 30 days in a travel trailer??
CA for one when I looked into it.
Here's WA's
Quote:
Washington State residency definition Persons are considered residents of this state for sales and use tax purposes if they take actions which indicate that they intend to live in this state on more than a temporary or transient basis. A person may be considered a resident of this state even though the person is a resident of another state.
The Department of Revenue presumes that a person is a resident of this state if he or she does any of the following:

  • Maintains a residence in Washington for personal use;
  • Lives in a motor home or vessel which is not permanently attached to any property if the person previously lived in this state and does not have a permanent residence in any other state;
  • Is registered to vote in this state;
  • Receives benefits under one of Washington's public assistance programs;
  • Has a state professional or business license in this state;
  • Is attending school in this state and paying tuition as a Washington resident or is a custodial parent with a child attending a public school in this state;
  • Uses a Washington address for federal or state taxes;
  • Has a Washington State driver's license; or
  • Claims Washington as a residence for obtaining a hunting or fishing license, eligibility to hold public office or for judicial actions.
Persons may rebut the presumption of residency if they provide other facts which show that they do not intend to reside in this state on either a temporary or permanent basis. A Washington resident who intends to move at a future date, however, will be considered a Washington resident.


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Old 08-23-2012, 11:09 PM   #11
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Aside for the residency stuff, let me a bit of a devil's advpcate.
I have yet to have a dealer correct problems in just a few days, even on a new RV, much less a previously owned RV. My first new RV touchup visit on my previous Fleetwood required 6 weeks of "sunshine" to get little things in order. Even then, many little but important things were missed requiring multiple visits, until calls to management and corporate got "Most Things" fixed.
Many 3rd party insurance plans, I believe you mean extended warranties, require work to be performed by a certified shop. The may refuse work by a mobile mechanic.
You may find that a dealer will be unwilling to let you have items delivered to the dealership. After all, they are in the business of selling after market accessories such a solar panels, patios, and other supplies. Why would they permit their facility to be used as a point of purchase for "Amazon."
I am sure you will be able to find a commercial hauler to move the trailer from place to place, but at what price? The movie industry does this all the time as does the convention industry. However, a commercial hauler might be pricey, and a guy with a pickup truck might be very risky...insurance, workman's comp, etc.
Like I said, I am deliberately giving you a negative side to help with your decision making.
Wish you the best and Happy Trails.
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Old 08-24-2012, 10:57 AM   #12
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Thanks for the input, kalynzoo. I have pondered some of the issues you mentioned, and having them reinforced with personal experience makes them worth more study. I also have some other thoughts, but they deserve a separate thread.
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Old 08-24-2012, 11:13 AM   #13
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Hi,
Rather than going to a Montana LLC I would just go ahead and pick the state you are going to park trailer and pay the taxes. Everyone is trying to beat the taxes and that is why governments are in trouble. Check which state has the cheapest sales tax and the cheapest registration fees and move there if that is what you want. When I bought my last motorhome North Carolina had a $1500 cap on sales tax and my plates are $28.00 a year.

As far as doing things at a dealer like putting add ons to trailer, I wouldn't recommend it as most dealers sell those items too. Also don't know if most dealers will let you live in trailer while on their premises due to insurance regulations. If the dealer has a campground like Lazy Days then that would work fine.

Do you intend to move this trailer from state to state as a 40' trailer might have road restrictions behind a truck. I have not heard of a 40' travel trailer, that is one that is connected with a hitch as compared to a fifth wheel trailer that attaches to the bed of a truck. If you do not intend to move from state to state and are just going to stay at one place then why do you need license plate. Get dealer to give you a temp tag until you get to campground.

These are just some on my thoughts and I have never done this but only what I have heard.

I wish you all the best in your endevor to live fulltime in a trailer.

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Old 08-26-2012, 09:23 AM   #14
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I am looking at a Palomino Puma 39 PFK (actually 41'). Thanks for the "heads up" in your response.
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