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Author Topic: Changing residency: FL, SD or PA? (duh, not PA)  (Read 202 times)

Sun2Retire

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Changing residency: FL, SD or PA? (duh, not PA)
« on: May 19, 2018, 03:04:22 PM »
I will be changing residency at the end of the year, and will spend some time in PA so threw that in for giggles. Between FL and SD, considering income taxes, vehicle licensing taxes, residency requirements and anything else I may be missing, which offers the best savings for a full timer?
Scott
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Gizmo

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #1 on: May 20, 2018, 08:08:26 AM »
It really comes down to which state fits your personal situation, financial and otherwise.  What may be right for one, may not be for you, so look at how each state will affect your financial life.  Also look into other factors such as will you periodically travel back to the state you choose to domicile in?  If so perhaps a state closer to your expected travels and stay would make more sense. 
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Jeannine

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #2 on: May 20, 2018, 12:28:28 PM »
You should also take insurance costs into consideration:  vehicle, medical, etc.  They vary a lot between states.

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Sun2Retire

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #3 on: May 20, 2018, 12:49:23 PM »
You should also take insurance costs into consideration:  vehicle, medical, etc.  They vary a lot between states.
Yes, a good point and I intend to have a long talk with Geico about that. (Fortunately I have company provided medical with same costs to me regardless of state). I was hoping someone had compared these two states and found specific advantages and disadvantages to each.

My list of questions/concerns that I've thought of so far:
  • State income tax rate (I believe zero in both states)
  • Vehicle registration costs
  • Vehicle inspection/smog rules
  • Vehicle registration procedures (for example, SD will just send you the plates, you don't have to bring the vehicle)
  • Procedure for becoming a resident of that state (for example, a single night in a motel for SD)
  • Drivers license procedures (have to be present in SD, I'm sure same in FL)
  • Mail forwarding services seem to be available at approximately the same costs with roughly the same services in both states
I will be spending a fair amount of time in both FL and PA so that would make it easier for both of those. I bring up PA again, because of mail forwarding. If the savings of becoming a resident of either SD or FL is largely eaten-up by the cost of mail forward and other details, I'll probably not bother and do PA instead and get a PO box, where I can forward for free anytime I'm not there.
« Last Edit: May 20, 2018, 12:52:14 PM by Sun2Retire »
Scott
Fulltiming in a 2005 Newmar Dutch Star 3810, Spartan, Cat C7 350
Eezrv TPMS, VMSpc, 970W Solar, Trimetric 2030 Battery monitor
2002 Dodge RAM 1500 Quad Cab toad
Stowmaster towbar & Brakemaster toad braking system

NY_Dutch

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #4 on: May 20, 2018, 01:01:44 PM »
The Escapees RV Club has establishing a domicile guides for each of the three popular fulltime RV'ing states.

Domicile - Escapees RV Club
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Sun2Retire

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #5 on: May 20, 2018, 01:16:53 PM »
The Escapees RV Club has establishing a domicile guides for each of the three popular fulltime RV'ing states.

Domicile - Escapees RV Club


Thanks, thatís already been very helpful. TX is out due to RV registration costs.
Scott
Fulltiming in a 2005 Newmar Dutch Star 3810, Spartan, Cat C7 350
Eezrv TPMS, VMSpc, 970W Solar, Trimetric 2030 Battery monitor
2002 Dodge RAM 1500 Quad Cab toad
Stowmaster towbar & Brakemaster toad braking system

Ro and Joe

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Re: Changing residency: FL, SD or PA? (duh, not PA)
« Reply #6 on: May 22, 2018, 05:54:01 PM »
Next year we're going to set up our domicle in FL because we're both under 65 and it's the only one of the 3 typically used (FL, SD and TX) that still offers a PPO Managed Care Plan.  Our 1st choice would be SD but no medical coverage for us there....

 

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