Laid off people turned Ex-Pats Living on the CHEAP?

Discussion in 'Trip Planning' started by Super Suz, Nov 18, 2009.

  1. Super Suz

    Super Suz N00b with B00b

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    Wow, I could live in an decent sized RV very comfortably for years, I think. I could save tons of money and I love saving money. It will not be much of a change from my comfortable SF studio apartment I used to live in.

    But I need air conditioning, a heater, and .... insurance
    #81
  2. ywr969

    ywr969 Ye Wilde Ryder

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    we have all of the above with our RV. in fact, we lived in it full time this past summer. it was awesome. :thumb
    #82
  3. buls4evr

    buls4evr No Marks....

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    969...... In Michigan we have a $200 fee for a lisc plate that is a permanent plate for a 2500lb+ trailer, for as long as you own THAT TRAILER. Less than 2500lbs.(cargo trailers) are $75 permanent. Long as you keep them that is all you ever pay. A good deal....but MI RV dealers hated it as they said it kept people from buying new trailers. I have the same 30ft. that I bought in 02.

    We pay horrendous property taxes in MI so that $3600/yr. is not out of line up here. It represents to a large degree, local school funding, which was moved from state to local funding by the state about 10 yrs ago. So you see an RVer can avoid huge local taxes and, because I am a state employee retiree I pay no state income tax as well, no matter what state I am actually in. A pretty good gig. Can't avoid federal taxes though....you are stuck with those.

    Best part though... if you hate your neighbors then hitch up and go.

    Worst part... I feel the need for a big garage at times.
    #83
  4. SilkMoneyLove

    SilkMoneyLove Long timer

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    This is what we pay in WI too. Another thought would be to rent out your house after getting rid of most of your stuff. That way, you can enjoy your RV/Extended el cheapo vacation life until you decide otherwise. IMO - it gives the freedom of choice, which is what I think the goal is here (chose which place to stay, how long, as cheap as possible). Using a management company makes things pretty easy, even though it cuts into your income.

    This gives you a location to put on your taxes, if nothing else. Might make things easier to try for awhile without having to change your Drivers License and license plates to each new place you live if you are there for more than 30 days as a primary residence.

    I suppose you could always buy one of those $150 homes in Detroit and use that as your primary residence. Maybe better off in a state without income tax. These states are Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming (I had to Wiki it).
    #84
  5. Super Suz

    Super Suz N00b with B00b

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    Yeah. You can open up a bakery with all the dough saved on taxes .... if worked out right.
    #85
  6. RiverRat

    RiverRat Endless Chores

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    With an RV you'll want to find an inexpensive state to register it in if you want to go CHEAP. AZ, CA are not cheap for RVs. Also you'll want to claim residence in a tax friendly state depending on your income.

    I'm thinking about a 30-34' Class A gas rv. Parking it legally on long term BLM land isn't much money. Since you're boondocking you'll need to ration use of water, generator, and propane.

    I ride up and chat with the snowbirds/wanderers and many of them are very willing to share their experience being full timers. Every one I've talked with is happy not to be tied to a traditional house. If they don't like their neighbors you just move!
    #86
  7. ywr969

    ywr969 Ye Wilde Ryder

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    now you tell me! :lol3

    will this work?
    [​IMG]

    :D
    #87
  8. kdub

    kdub Been here awhile

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    That insurance is the biggie. We bailed out years ago - traded socal for central washington. The cost savings was amazing but I've kept my federal job for the health insurance. 3 fusions, 4 lamenectomies and 3 electrothermalanullaplasties has me hanging on for a few more years till I can call it quits for good.
    #88
  9. kraven

    kraven Hegelian Scum

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    Cheap states to register in are states like NH and TN that have no income tax.
    I can register my vehicles and then renew the registration online annually with TN. Insurance is pretty inexpensive for vehicles too.

    Beware the RV thing though if you're the kind of person who bounces off a low balance in your savings. If the rear axle falls out of it, or the trans takes a crap, you're going to need a couple thousand to have it fixed, if you can't do it yourself. Even then, you're looking at a few hundred for parts if mechanicals die. It's conceivable that the rear axle, driveshaft, transmission, and engine could all take a crap at once or in the same month. $$$
    And, of course, you have to maintain it. Plumbing and electrical need to be maintained and repaired, batteries have to be replaced with some frequency, and then there's routine maintenance like oil changes and tires, etc.
    Make sure to have a safety cushion made of cash for RV repairs and maintenance.
    #89
  10. kraven

    kraven Hegelian Scum

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    If you plan on boondocking with a bike or a pickup/bike combo, same rules apply- except they're more dire.
    #90
  11. Stonewall

    Stonewall The Wild

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    Lets stay in touch, we could get into a lot of, I mean have a lot of fun together:deal
    #91
  12. TedShred

    TedShred PHAT BASTARD

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    reg fees in OR are super cheap too. I think it's 40 bucks for two years. I don't think they have income tax either. They do have a fairly stiff property tax but if you live in an RV then that doesn't matter.


    EDIT - I've been informed OR DOES have income tax
    #92
  13. ywr969

    ywr969 Ye Wilde Ryder

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    this is also what i have heard; however...

    that isn't true; read this: http://en.wikipedia.org/wiki/Oregon
    in particular, the following section taken from the above reference:
    friend of mine who lived there told me that the income taxes were, in his words, grievous. :eek1
    #93
  14. PirateJohn

    PirateJohn Banned

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    Florida is one of the cheaper states to renew a a vehicle registration in although there used to be a premium for a non-resident to initially register their vehicles. I'm not sure if they do that any more or not.

    And Florida doesn't have a state income tax ... like RV'ing gypsies worry about such technicalities in the first place.

    The Good Sam RV organization has a mail forwarding service in Pensacola. They will register your vehicles, take forms to the DMV when required (I have found that Florida is actually pretty good about doing everything in the mail when you tell them that you are a full-time RV'er and only nominally in Florida).

    Florida is also one of the cheapest states to incorporate in, and you don't need an attorney.

    With all that said and done, we are down in the Rio Grande Valley of Texas, between Brownsville and Roma, TX. During the winter season there are a tremendous number of RV'ers down here - supposedly there are around 500 RV parks.

    We have found that it's VERY difficult to get basic jobs in an area that is largely Hispanic (not being able to speak Espanol closes the doors on a lot of jobs) but I have interviewed for some surprisingly well-paying professional gigs here and this is an excellent area for entrepreneurs.

    And the Rio Grande Valley has to be about the lowest cost area to live in within the USA. It's tropical, green, surprisingly profitable, and I'm maybe 10 minutes from the Mexican border.

    Anyway ... just some hints since this thread seems to have become another RV post.

    But what would I know about these things, eh? :lol3

    [​IMG]
    #94
  15. PunkinHead

    PunkinHead Moobless Adventurer

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    My parents have been full time RVers for 10 years now. They use a mail forwarding service in Texas and claim residency there because of the lack of income tax. These days you can do almost everything via internet and mail (plate renewal, absentee voting, etc). You can live cheap by boon docking, but then you've got to figure out how to dump, get fresh water, etc. I think in the real common boon docking areas like Yuma there are people who'll come around with trucks and take care of it for you if you don't want to move.

    If you want to stay in actual campgrounds, then you can often get much better rates by paying monthly. Maintenance on an RV can eat you alive, but it's not a place to skimp. Of course, staying in one place is a ton cheaper than being on the move when you're getting 10 MPG.
    #95
  16. mpanther

    mpanther KotW - Just Ride!

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    Nevada has no problem registering and plating a vehicle here, even when titled out of state.
    #96
  17. TedShred

    TedShred PHAT BASTARD

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    Sure but Nevada's DMV fees are right up there with California:evil
    #97
  18. xymotic

    xymotic Long timer

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    NOT

    EVEN


    CLOSE

    This year I purchased a used 2001 Ford Pickup for $6,000


    CA wanted $1,435 to register it.

    NV was $160

    So, I live in Nevada now
    #98
  19. O'Hooligan

    O'Hooligan Ken Dodd's dads dogs dead

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    Ted you seem to be a well of information......not:rofl
    #99
  20. TedShred

    TedShred PHAT BASTARD

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    That's because NV doesn't charge sales tax on private party sales. CA does.

    The YEARLY registration fees, which is what we're really talking about here, are similar.

    You paid 160 to register a used truck? You'll pay a similar amount each year. Reg, weight fees etc. Other states like OR are about 20 per year...