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09-27-2020, 11:20 PM
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#29
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Senior Member
Join Date: Aug 2019
Location: MN
Posts: 2,849
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Thanks for the followup. So many threads like this just sort of trail off.
When the weather gets better again, take your bike and go do the Needles loops. Great riding.
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1993 Rockwood 28' Class C - Ford E-350 7.5L
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09-28-2020, 07:31 AM
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#30
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Senior Member
Join Date: Aug 2016
Location: Payson, AZ
Posts: 1,345
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may i make what is hopefully a constructive comment? this is based upon our experiences when we left california.
i notice that you had residency in california. you probably have california state income taxes being withheld from you various sources of income. you will have to pay part time california income taxes for this year. you will problaby file a change of address from your current california address to your new south dakota mail forwarding address. but you also have to file a tax withholding change with the provider of you incomes. otherwise they will continue to withhold california income taxes even though they mail all correspondence to the new south dakota address. they you will need to file another california income tax return again for next year in order to get these state income tax withholdings back. get this change still this year so that california does not get any withholding for tax year 2021!
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09-28-2020, 11:49 PM
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#31
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Senior Member
Join Date: Mar 2019
Posts: 6,641
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Quote:
Originally Posted by bigchick
may i make what is hopefully a constructive comment? this is based upon our experiences when we left california.
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Does California still collect taxes on retirement income earned in California even if you live in a different state? So if your pre-tax 401(k), traditional IRA and/or a pension was funded with income earned in California, you owe California taxes on the withdrawals even if you now live in different state?
Ray
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2020 Forest River Georgetown GT5 34H5
2020 Equinox Premier AWD 2.0L/9-speed
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09-29-2020, 12:19 AM
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#32
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Junior Member
Join Date: Mar 2020
Posts: 5
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Quote:
Originally Posted by NXR
Does California still collect taxes on retirement income earned in California even if you live in a different state? So if your pre-tax 401(k), traditional IRA and/or a pension was funded with income earned in California, you owe California taxes on the withdrawals even if you now live in different state?
Ray
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I'm not a tax professional so everyone must do their own due diligence but in my opinion, based on my research, the answer is no. Here's a recap from Bankrate dot com website.
Contributions going into your 401(k) are typically made with pretax dollars. When the money comes out as a distribution, it is taxed as ordinary income for federal and state tax purposes. Changing your state of residence to reduce your state income tax bill on distributions out of your retirement account is a popular strategy for retirees.
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09-29-2020, 01:08 AM
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#33
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Senior Member
Join Date: Sep 2016
Location: Monrovia, CA
Posts: 981
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Look at the area around Vancouver, Washington. It doesn't rain as much as you might expect and never gets more than a few inches of snow. No income tax although fairly high property taxes. The further north or west you go the cheaper real estate is. Vancouver and, if needed, Portland offer quality medical care. Very beautiful area.
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Gammel - 2020 ORV Backcountry 21RWS
2021 F350 Diesel Platinum Tremor
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09-29-2020, 09:32 AM
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#34
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Senior Member
Join Date: Aug 2016
Location: Payson, AZ
Posts: 1,345
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it's not a question if california can still tax you after you move out of state. we lived in california and we setup california income tax withholding from our income sources. when we moved out of california to arizona we sent change of address forms to all the income sources. but unknown to us we did not actually file new tax withholding forms (w-4 i think). so we ended up with the checks being mailed to our new address in arizona but they were still withholding california state income taxes. we had to file an extra years california income tax form to get a refund on the amounts that were withheld when we no longer lived there.
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09-29-2020, 10:11 AM
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#35
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Senior Member
Join Date: Mar 2019
Posts: 6,641
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Quote:
Originally Posted by sec1rlr
I'm not a tax professional so everyone must do their own due diligence but in my opinion, based on my research, the answer is no. Here's a recap from Bankrate dot com website.
Contributions going into your 401(k) are typically made with pretax dollars. When the money comes out as a distribution, it is taxed as ordinary income for federal and state tax purposes. Changing your state of residence to reduce your state income tax bill on distributions out of your retirement account is a popular strategy for retirees.
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Thanks, finally found the reference. I knew they did last century because the Ohio-based company I worked for wanted some employees to transfer to a California subsidiary. The employees banded together and said they would transfer only if they could remain Ohio employees for the purposes of payroll due to that tax, which the company agreed to. But it's since been blocked by federal preemption. This summary does refer to "pension" but it's not the law itself.
https://finance.zacks.com/california...%20California.
Source Tax Law
On Jan. 10, 1996, P.L. 104-95 took effect. This federal law prohibits any state from taxing pension income of non-residents, even if the pension was earned within the state. Before the passage of this law, California, New York and several other states maintained a source tax on pension earned within the state. For example, a California teacher who retired to Nevada would have to continue paying the source tax on her California pension. Thanks to this law, people who earn a pension in California then move out of the state no longer have to pay taxes on these funds to California.
But per later in the article California kept trying through a tariff mechanism but it failed to pass.
Here's a Wolter-Kluwers article on which state taxed what as of February 2020:
https://taxna.wolterskluwer.com/whol...nal%20detail.)
Ray
__________________
2020 Forest River Georgetown GT5 34H5
2020 Equinox Premier AWD 2.0L/9-speed
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10-02-2020, 06:17 PM
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#36
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Senior Member
Join Date: May 2014
Location: Huntsville, AL/Helen, GA
Posts: 1,606
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Quote:
Originally Posted by georgelesley
We are in East TN and absolutely love it. No state tax, low property taxes out in the rural county you can pretty much build whatever you want, low crime, very friendly neighbors, low, low cost of living, Reasonable land prices, mild climate with little winter, moderate summers, mountains between you and hurricanes. Probably should shut up, don’t want it to get too crowded.
Look at counties east of Knoxville, Greene, Johnson, carter unicoi (where we live), Washington.
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George: You discovered an absolutely beautiful place--with North Carolina to the south and the east of you. The mountains are breathtaking. And Unicoi County's a place where time stopped--other than having a Walmart and an interstate highway. It's a place where people don't necessarily lock their doors and cars all the time.
What's so nice that you're the crossroads for those going north, south, east and west. Virginia's highest mountains are also just north of you. And you're 1/2 hour from Johnson City's medical community and also from Asheville, NC.
My sister lives over the mountain from you summers in Banner-Elk. She told me the other day she just loves how absolutely nice the people are in those mountains--nicer than other places.
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10-03-2020, 06:43 AM
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#37
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Senior Member
Winnebago Owners Club iRV2 No Limits Club
Join Date: Aug 2013
Posts: 1,177
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Quote:
Originally Posted by Bamaman
George: You discovered an absolutely beautiful place--with North Carolina to the south and the east of you. The mountains are breathtaking. And Unicoi County's a place where time stopped--other than having a Walmart and an interstate highway. It's a place where people don't necessarily lock their doors and cars all the time.
What's so nice that you're the crossroads for those going north, south, east and west. Virginia's highest mountains are also just north of you. And you're 1/2 hour from Johnson City's medical community and also from Asheville, NC.
My sister lives over the mountain from you summers in Banner-Elk. She told me the other day she just loves how absolutely nice the people are in those mountains--nicer than other places.
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I have said since we moved here 5 years ago that everybody must take “nice” pills everyday, some must take two pills. Often when coming home On I-26 from Johnson City I pass our exit and go over into NC for a ways and then take the back roads home, especially this time of the year.
A friend of mine and I were thru Banner Elk a few days ago. He is a professional photographer and he often invites me to come along when he takes pics of local waterfalls. There are so many we will probably never get to them all. Yesterday we spent the evening in NC shooting a 100’ waterfall and talking to some really nice locals there. When I got home I set up my telescope and looked at the beautiful full moon.
DW has said we could go full time in the motorhome again now at this point in our lives. Yea we could but right now we have the best of all worlds. A great place to have a permanent abode and a good motorhome that we can take on a trip anytime for as long as we wish, and best of all it is all paid for. Move again? Fulltime again? Not me.
BTW, our annual property tax bill came in yesterday. Our house would market for somewhere around 300k, and the tax for the year was a bit under $1600. I happily wrote the check. And yes, we still wave at the local sheriff patrol as they drive by. (And anyone else for that matter).
__________________
2018 Rockwood Geo Pro FD pulled by 2022 Tacoma 20 yr USAF ret.
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01-08-2021, 07:02 PM
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#38
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Junior Member
Join Date: Mar 2020
Posts: 5
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An update.
Again thanks everyone for your comments and suggestions. Your experience, personal situation and needs will certainly be different than mine. With that said, Let me share more about my journey. Hopefully it will be informational and entertaining to some of you.
I think I mentioned I got my SD residency, I then spent a few weeks outside of Durango visiting some friends. While I was there I visited Taos and the earth homes community. Absolutely stunning tree covered mountains north of Taos and Taos itself was interesting. Homes were pricey and I didn't think it was a place where I could leave property for 6 months out of the year without someone to watch it.
I then moved on to Fredricksberg, TX. I found it friendly but a little more of a tourist trap than I wanted. I made a friend in the rv park and we rode dual sport bikes around the surrounding "Texas Hill Country" area. For me, it was like riding slowly through a golf course but that's a different story. I did see my first armadillo up close. My summation is the area is nice, somewhat expensive and while I thought I might could find a barndominium off the beaten track and it would be reasonably secure, I just didn't fall in love with the vibe. The biggest complaint I heard from the locals was the heat in the summer. The people were certainly friendly, the steaks good and the mexican food,... well it was tex mex. Funny, I went to one of the nicest mexican resturants in town and ordered a lovely combo. I asked for shredded beef taco, shredded chicken enchilada and a pork tamale. To my surprise the response was, "we don't serve any shredded meats - only ground beef on all items." Hum,... not what I expected.
Ok, so now on to the Gulf Coast. Fairhope, Alabama was the target destination. I had seen some beautiful properties and pictures of the downtown on the internet. I had been intrigued by the architecture. Sadly I never actually made it to Fairhope. I got to St. Louis Bay Mississippi and spent a few days there. I drove all along the coast to visit my old military stop over at Keesler AFB. When I saw the results of the recent hurricane,... boats up in yards, roofs torn off, sidewalks buckled, businesses closed due to damage, I simply couldn't justify buying anything along the coast. I'm too risk averse and in the end, because I want to travel outside of the US when covid is gone, I didn't want to worry about owning property along the coast in my absence.
So then on to Augusta Ga. I was invited to visited my deceased wife's sister and her husband. They had just moved their from S. Cal to Evans, GA. I arrived and once again, I found myself thinking... if I was employed here and had to be here it wouldn't be bad. It's clean, it's growing, people are friendly and all that but you better like traffic, mowing grass, hoa's, no street lights at night thus dark narrow roads and yes mosquitoes. Great home values and a lot of mac'mansions.
Next I was off to East Tennessee. I wanted to see the area and I took a circuitous route to get to the Pigeon Forge area. I was particularly hopeful about the area because there is no "real" state income tax in Tennessee (only dividends and interest) and the property values are pretty good. Boy, what can I say. Pigeon Forge was a zoo! It's like Disneyland without a parking lot. I mean you would think covid was never experienced in Tennessee. The streets were packed with traffic and vacationers. Anyhow, I spent two weeks there and visited many of the towns in the surrounding area including two that were mentioned here, Crossville, TN and Asheville, NC. In the end, it was not my cup of tea. Homes there require a lot of yard maintenance. You either do it yourself or hire someone to do it but you better love grass and having it mowed. I was surprised at how expensive it is to hire lawns mowed. From the people I spoke with its near 100.00 per month for a small to medium size home. Again not something I want to be involved with especially if I'm not going to be there all the time. Funny, I would be driving along and look over at some middle aged guy with a push lawn mower working his butt off after a long day of work and I thought to myself, poor bastard. I saw seniors doing it too. Got to keep the house looking nice for the wife and grandkids.
While I visited East Tennessee and I waited for my frozen water pipes to thaw, I also read several books I ordered from Amazon about living in Florida. Books about the Pro's and Con's that no one talks about. At one time I thought about visiting Florida since I was so close but after everything I read, it didn't seem like a fit for me either. In the end the HOA's, humid weather, a number of social ills, traffic and the fact that I don't golf all added up to the fact that it didn't seem to fit in my plan. I did learn that the Jacksonville Intl Airport has the overall cheapest airline flights originating out the US. I thought that was interesting.
So if you got this far your probably asking, "so what now Rob?" "you've been to a lot of places!"
So here's the plan. I'm just south of Tucson, AZ as I type this and I'm headed for Yuma in the next few days. I'm thinking I can buy an expensive homebase in the Fortuna Foothills area. For me, this checks off a lot of boxes. Namely, it's expensive, close to San Diego, Phoenix, Mexico, Lake Havasu and Las Vegas. I only plan on being there part of the year so I won't become an Arizona resident. I'll be sure not to use the homeowner's exemption for property taxes and I won't get an Arizona hunting and fishing license. I'll limit my stay to something under the 182 day rule. Property tax is cheap too. The point being is when its warmer up north, I may go there to look for a nicer home and become a "real" snowbird or if covid is resolved and travel is allowed, I'll travel outside of the US. The only immediate draw back for me that I can see is it is hot in the summer and that's the same time its hot in some of the countries I'm interested in visiting. Thailand, Vietnam, Malaysia, Spain, Portugal, Japan come to mind. But I really want that low maintenance, flexible lifestyle where I can come and go and I can tinker with my vehicles. Fortuna Hills has very unique zoning, RV SUBDIVISON. I can't find this anywhere else where the lots are fee simple with almost no covenants and no HOA. A lot of the RV properties I have found elsewhere might have casitas or are involved with RV port homes but the restrictions on where you park, what you are allowed to among others,... like no sleeping in the casitas which is why they don't have static bedrooms, I find way to restricting! My GOD, pay 70K+ plus HOA fees and you can't sleep in the casita because of the zoning regulations? Not to mention I read horror stories involving HOA's plus with some of them the fees are high.
Again, all of this I'm sharing is based on my opinion of places and issues etcetera. No place I've visited was bad or anything like that. For many, these places would have a lot to offer. But for me, there are just "things" that crop up that remind me I'm looking for something different and at a different price point. Havasu stands out of the crowd with those huge RV garages but again, you're talking about 400k for something that I plan to utilize 6 months of the year. For me that's a lot of investment capital tied up; I think I might reqret the big house just to get to tinker in the garage. I have no interest in owning a class A motorhome.
Anyhow I hope you enjoy reading about my travel and findings. More to come I'm sure.
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01-08-2021, 07:19 PM
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#39
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Senior Member
Join Date: Sep 2016
Location: Monrovia, CA
Posts: 981
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Look at Silver City, NM! Reasonable, nice town, and high enough that summer's aren't scorching. My nephew might even deliver your mail! Decent RV park there, too.
__________________
Gammel - 2020 ORV Backcountry 21RWS
2021 F350 Diesel Platinum Tremor
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01-09-2021, 05:56 AM
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#40
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Senior Member
Join Date: Aug 2019
Location: MN
Posts: 2,849
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The ground meats would have done it for me too.
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1993 Rockwood 28' Class C - Ford E-350 7.5L
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01-15-2021, 06:15 PM
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#41
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Member
Join Date: Dec 2017
Posts: 60
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Texas
East Texas , Tyler area. I live 20 miles from the Walmart in Tyler . All taxes this year = $2000. Live in a nice brick 3-2-2 across the street from a nice lake, good health-care in Tyler, good shopping, mild winters .....
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I always keep a supply of stimulant handy in case i see a snake ------ which I also keep handy
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