Cost of Domicile in South Dakota: Americas Mailbox, Registration, Insurance, Licenses -
VloĆŸit
- Äas pĆidĂĄn 23. 07. 2024
- #rvlife #rvliving #fulltimerv
Cost of Changing Residency to 'Domicile' in South Dakota
đRecorded on November 10th, 2021
đReleased on November 11th, 2021
âčïžAbout this video:
Here is the cost of us changing domicile to South Dakota and how much we are saving compared to our previous state, Arizona.
Time Stamps:
Start: 0:00
Why South Dakota?: 1:09
Americas Mailbox: 4:40
Vehicle Registration: 6:51
Vehicle Insurance: 10:41
S.D. vs. A.Z. Costs: 13:42
Drivers License: 15:54
Total Cost: 19:41
Yearly Savings for us: 20:40
đ”Music:
Epidemic Sound: www.epidemicsound.com/referra...
Artlist: artlist.io/Daniel-765133
Audiio: audiio.com
â¶ïž Our Playlists:
Our Story: âą Our Story
Season 1 - The Build: âą Season 1 - The Build
Season 2 - 2019 Travel: âą Season 2 - 2019 Travel
Season 3 - 2020 Travel: âą Help us kick off Seaso...
Season 4 - 2021 Travel: âą We canceled all of our...
Does it Work? - Parts Review: âą Does It Work?
RV Campsite Reviews: âą RV Campsite Reviews
â€ïž Connect with us on Social Media:
đ€ Facebook: / homemeetsroad
đž Instagram: / homemeetsroad
đŠ Twitter: / homemeetsroad
đ Website and Blog:
Website: homemeetsroad.com/
Blog: homemeetsroad.com/blog
đHome meets Road, All Rights Reserved
* This channel is for entertainment purposes only!
We share our experiences and what works for us but we always recommend doing your own research before any decisions! - ZĂĄbava
Your presentation was thorough, organized, and clear. I am waffling between NV and SD. Age 67, and wish to leave my Tx residency behind. After learning about cost saving and AMB being a one-stop shop, I'm now leaning towards SD. Thanks.
Thank you and good luck!
Excellent video with great content. Thank you for the break down. Happy traveling.
Thank you!!!
Excellent explanation and detailed; best I've seen yet. Thank you.
Thank you and you are welcome!!!
Thank you so much. I've been looking all over to find real numbers.
You are welcome! If you have questions, let me know. I may or may not know them đ
Very detailed, helpful information! So appreciated! Happy New Year!
Happy New Year!!!
Thank you so much. Ive watched other you tube videos on this subject. Yours was the most succinct, detailed and informative. Thank you again!
You are welcome! Hope it helps!
This is wonderful, great info!
Awesome! Thanks!
Excellent, easy-to-process information provided in a very well-done video!
Thank you so very much as I am going to do the S.D. residency process with America's Mailbox sometime later this year.
Thanks again!
Your welcome! Hope it helps!
Awesome info that answered a lot of my questions. Thx!
You are welcome! BTW, I was told that a quick (like a minute) eye exam is done now while getting your driver license.
Thanks for your info & breakdown. Very helpful
Glad it was helpful!
Very, very well presented information that's clear and easy to understand. Thank you very much.
Thank you!
Keep posting. I love the content. Your presentation is also interesting along with your videography skills.
Awesome! Iâm glad you liked it. I was so worried this was boring!
@@HomeMeetsRoad It seems as though you have a varied audience, from those already living the life, to lookie-loos like myself. From my perspective, the mix of content you provide has kept me coming back.
Thank you for the feedback! This helps a ton! I never know what is going to be boring vs. interesting.
Great stuff, great video. Thank you.
You are welcome!
Great video! Great info! Let's keep America free. Choices are AWESOME! Good choice I'm doing it this month coming. Thankyou.
Changing domicile this month?
Great information. Didn't know about the stove & propane issue.
Not an issue with a standard RV, only when you have a DIY rig.
Great video! Thank you!
Glad you liked it!
I've noticed that you keep detailed financial records. I respect that - though I've focused on finances in the past, this breakdown and another you shared with me are quite detailed. Kudos for being able to keep such detailed records.
Thanks! I like numbers. We use YNAB for our finances and run several of our own Excel type files. When we started the RV Build, first thing I did was start a spreadsheet đ
Thanks for all the info!!! I am going to have south dakota as my residency when I get on the road!!!!!
Your welcome and good luck hitting the road! Itâs nerve wracking but exciting all at the same time! Itâs worth it, even if itâs just for a short time.
Great video, Just received our notice for a one year tag in AZ and it is $4,440.63 for a 2019 Entegra Aspire. We still work so we are stuck for another year. Can't wait to leave AZ. We love SD as we visit Deadwood every year.
You can register your vehicles in SD and open up a Mailbox without having to âmoveâ.
Im am greatfull for your excellent explanation of this service . I will use your name as reference for my sign up.
Glad to hear it helped!!!
Thank you for the info! Not sure where you got your info on homeschooling in Arizona but I don't know that it gets more simple than simply sending in an Affidavit of Intent. ;-) Many wonderful travels to you!
You are right, AZ does make it easy. I probably got confused with FL and TX (the other domicile states). Compared to them, SD is easy.
Your "Total Cost to Establish Domicile" - couple of questions:
1-) Did you have to pay out of pocket for the full amount or were/are you able to pay monthly for both your RV and Truck Insurance coverage?
2-) RV and Truck Registration - are these costs fixed each year or are they adjustable fees per year based on the value of your RV and Truck?
Thank you for putting this video together, it was very easy to understand the processes for someone who is just starting to look at going full time within the next handful of years. Helped me better understand what I need to have in place as well as the cost(s) to expect in order to domicile in SD. I appreciate the time you put into this video and thank you in advance for addressing my questions above.
1. Monthly on the truck. Yearly for the vintage trailer. We switched to a new 5th wheel now and are able to pay monthly.
2. Registration is fixed.
We have a 2022 Ram 3500 Dually now, registration in SD is $175 per year. AZ would have been over $2k for the first year. Same with the trailer.
@@HomeMeetsRoad Ok, great, thank you for responding. I figured the grand total you showed wasn't all out of pocket at the same time, but just wanted to make sure.
When it comes to insurance for the RV, itâs a risk assessment I suppose. The vintage they wanted all the money but for the 5th wheel they are ok with monthly.
Very detailed and interesting! We are domiciled in FL but it's interesting to see another option! The requirement to return to TX for vehicle inspections was a major con for us and was basically the main thing that ruled it out. We have good friends in FL so that made it easier for us to choose. đ
Yea, it is a major downfall for TX. We liked the homeschooling rules for SD better than FL. That was the major difference between the two.
@@unknownquantity4440 if your in Florida already Iâd probably stick with that. I donât know if SD would save you any money unless you bought a new rig. I think SD sales taxes are lower but not sure.
@@unknownquantity4440 but if youâre not staying in your residence state, just using at as a home base for travel, the state sales tax wonât affect you much.
@@lenagraham2093 you are taxed based on your resident State when it comes to vehicle purchases.
@@HomeMeetsRoad lol thank
Its easy as pie to Register your car in South Dakota. You dont need any service to do it for you.
Plus, Dakota Post, YBA, and others are extremely high costs for just a PMB.
You can find places much cheaper, and then do the work yourself.
I did it, and it is simple.
đ
Excellent video thank you! I've been down a long rabbit hole in searching the best income tax free states side by side. My top priorities are no income tax, no retirement tax (I have a 401k), no requirement to be physically present in state for long, no vehicle emissions or safety inspections. I'm particularly interested in FL and TN. Can you offer any spreadsheets you may have showing a side by side state comparison as I'm sure you created at some point? Or any websites that you found very good at what I'm after? PLEASE SHARE YOUR HELP AND WISDOM AS I REALLY NEED IT!!!
Iâm sorry, I donât. TN is not a domicile state and we did not opt for Florida because of some of their schooling laws. So for us, SD is the only state.
Insurance costs seem way too high, about 2k more per year than what I pay in AZ. The trick is to work with local insurance brokers that shop multiple company's rates. Registration on new vehicles is high in AZ, only way to get around that is drive well maintained older vehicles.
Depends on the type of insurance. We only work with insurance brokers.
All information I've been wondering about
Thatâs good to hear! Was worried this would be a boring video.
@@HomeMeetsRoad Nope. The idea of going into Nomading blind to me, is scarey! You started from the ground up, built everything. And went the most extreme and harder route to get where you are. With those extreme conditions and your thorough videos, with full break downs and list, shows where you stand exactly, and the things that are required along the way to maintain the life. If some one was to follow your model now just from what you've shown so far, if they bought a new trailer with a warranty, still having the knowledge you've given so far, they chances of success are much much greater at this point. And finding the end and outs, how to save money, what states to purchase in, what places to travel and when, put other people at a better advantage leaning from someone whose been there, done that, made a t-shirt and put it on video. It's great help. Plus your voice monotone is nice. I bet you can read babies to đŽ
Thanks!
Learned many lessons in the past two years on the road. Wish I had known half the stuff.
Yes, I can ready babies to sleep đ
@@HomeMeetsRoad I had a feeling. đ€Łđ€Łđ€Ł. A born narrator's voice.
@@AngryIrishMan I agree - it is a scary idea. I have a lot of respect for those that can upend their lives and make a different way for themselves. Having an income is a significant help, but there are ways to cut costs drastically if needed, at least from a couple videos I've watched. By no means am I an expert on the life, but it seems to me that if one learns from those already living the nomadic life, it can make for an easier transition if you want to take the leap.
I'm grateful for people like these folks that are out there, showing what can be done. what problems may come, and how they overcome adversity.
Thank you for this video. Still helpful a year and a half later!
I do have a question though regarding vehicle registration. You have it before getting your drivers license. Can I register the vehicle & trailer in SD without being a "Domicile" or "Resident"? I just bought my TT last week and have to get from GA to SD but don't want to pay for everything here just to have to pay for it there as well.
Thanks for any help!
Yes, SD allows you to register vehicles without being a resident. All you need is a PO Box. Note that we pay Americas Mailbox to handle our vehicle registration so I donât know the process if you did it yourself.
@@HomeMeetsRoad Thanks for the reply! I actually signed up for Americaâs Mailbox this morning so I will use them. I appreciate the help and transparency youâve provided. Truly is a benefit for others like me trying to budget for the transition!
I was curious what made you choose South Dakota over Texas or Florida. Good video.
Thanks! The main reason is savings really but for us, the DIY trailer was a major factor.
Great video. Lots of useful information. I'm thinking of moving to Mexico and selling my CA home (to not be under their taxing thumb). Sounds like this is a good option. What about voting and jury duty? How do you deal with those if you're rarely/ever in SD?
Voting is by mail. Regarding jury duty⊠I have been told that you let them know you are out of state and that clears it. Not sure though. Havenât run into that.
If you are permanently moving to Mexico, Iâd consider Texas as it would be easier to get a new license when due đ€·ââïž
SD is every five years.
Great vide! Was it mandatory to change your driver's license to SD also? I was told that changing your driver's license to SD was optional and not mandatory. Thank you in advance...
It was not mandatory for Americas Mailbox or for registration.
Much gratitude for all your detail, and sharing Daniel ! Just wondering , Vehicle insurance in SD did that all go well? I was just dropped for my insurance because I don't have a place that I garage/physical address
We have full-time insurance with Nationwide. No problems. We just had a claim in FL with 8k worth of hail damage. No issues what so ever. Deposited the money on the spot.
@@HomeMeetsRoad so did America mailboxes help you with insurance from Nationwide or just local office in SD
And U dont have a home / place that U live in SD or elsewhere - travel full time .
A title of vehicles is needed for registration ?
Thanks for your time and wisdom. I will listen to your video again.
We do not have a home anywhere. We are truly full-time. Americas Mailbox is our legal address on our drivers license and tax returns.
We used a local SD insurance agent who setup the truck and trailer with Nationwide. I was straight forward with us being full-time and they helped us along the way. Note that we have changed trucks and trailers since but are still with Nationwide. I can dig through emails and look up the agent if you wish?
Yes, a title is required to register in SD. If you have a loan on the vehicle, you have to send a letter to your loan company (Americas Mailbox provides this letter). This letter will request the title to be sent to the SD⊠if you pay Americas Mailbox to handle the registration, itâs really easy and simple. I highly recommend spending the $60 (I think) that it costs for them to deal with it all.
I currently have an LLC in NH, but starting to live on the road and you mentioned you have an LLC as well. Did you move your LLC to SD?
Not yet. The LLC is still registered in AZ. We are working on it.
As a fulltime traveler can you still domicile in SD if you own a couple properties in different states.
Technically yes. If you own multiple properties then usually they are classified as seasonal or investment, not as primary. Once you claim a property as primary, then legally, that is your residence.
Personally it all comes down to wording and interpretation đ€·ââïž
With all that said (including all repairs to trailer), would you do it all over again?
Built an RV? No. Iâd do a different route.
Regarding domicile. I would switch to South Dakota sooner!
Thanks for the video breakdown! This is very helpful information. But I do have to ask, what is your country of birth, just out of curiosity? I kinda suspected based on your accent that you did not seem to be from the states. I am going to guess Netherlands, Sweden or Norway? Probably all wrong lol
Germany! đ
Anyone know about the cost of medical and dental when living like this as a traveling nomad?
A: Work for a company that provides it. B: Join a group plan like Christian Health, Costco, etc. C: Medicaid. D: Medical Credit Card/pay privately. E: Self insured/out of pocket.
Does the Amer. Mailbox address work for banks and auto loans?
Depends-all of our banks (Wells Fargo, Chase, Apple Card) work but not Capital One. Capital One is set to a friends house and the mailbox is our mailing address.
Same goes for vehicle loans. I was pre-approved with Capital One to purchase our new truck but because of the address issue, we did not go with them. We ended up ordering our RAM Dually from a SD dealer, which had lenders who would work with âfull-timers.â
Itâs been awhile since this video was uploaded. Has anything been changed since?
We are still with Americas Mailbox. For us nothing has changed. I heard that there is an eye exam involved when getting your license (itâs just reading your ABCâs right at the counter).
We have changed trucks and RV since this video and everything went smooth. Americas Mailbox handled all the paperwork.
What if you're looking for employment in another state? Wouldn't they care about your SD ID/License plate after a while even if you pay local taxes? What about the insurance company? It would be very strange to play such low rates but make all of your claims in the middle of NYC...
I donât have an answer for you and I donât know as we are self employed. Itâs common for full-timers to get temporary employment in states that they are not resident in. I suppose you would state that SD is your primary and wherever you are as a secondary.
Wondering if you were able to get health insurance in South Dakota? Heard they don't like RVer's getting their insurance and they may require utility bills to obtain through the Marketplace.
We are self insured. We always pay out of pocket. We do have a universal accident writer and reversible life insurance. Both have nothing to do with SD.
@@HomeMeetsRoad the insurance issue would be great subject matter for a video
@@HomeMeetsRoadany advice on how to get self insured?????????
We own rental property in Alabama and a vacation cabin in Virginia. Soon weâll sell our house in California (canât wait to get out of CA) Question is, can we still do this domicile thing in SD while being owners of property in other states?
Depends. If I understand correctly, it comes down to which state you register as your primary residency. Several states require your vehicle to be registered at your home address.
If your Alabama property is a rental and your Virginia property is a vacation/second residency, then you could make SD your primary domicile. We currently do not own property, so Iâm not 100% certain.
I'm in you're boat right. Did you ever find out if you can domicile in SD if you own 2nd homes in other states?
Do you have to take a driver's test or eye exam to get your license? Not a problem, just curious. I have my homeowners insurance from Foremost that I purchased through AARP. Just have to be 50+. First time watching your channel. Thx for sharing đ„
No drivers test if you have a drivers license. I remember a eye exam machine at the drivers license place but I donât remember if we had to read a line. Sorry!
@@HomeMeetsRoad yes there is a eye test
@@DW-pz4tz not sure why but we did not have to take the eye test đ€·ââïž
@@HomeMeetsRoad as of November 2022.
At the Sioux falls DMV everyone had to do a eye exam
@@DW-pz4tz thanks for the info!
How long is the driver's license good for and as far as any small requirements are inspections every other year or so required or is it just pay the fees and you're good to go far as the driver's license that's all you had to do was basically turn over your old driver's license and two forms of ID plus the information from the mailbox place and that's all they require they didn't require a driving test I test or anything else?
For the drivers license itâs just as simple as you stated. Good for five years. So every five years you need to show a receipt of one nights stay at a SD RV park or hotel.
For the vehicles, there are no inspections, nothing. Just proof the vehicle is titled to you.
They do require to see how much tax you paid when you purchase the vehicle. If less than 4%, you would need to pay SD the difference, but if you paid more than 4% you are good to go.
So that's all you had to do was just basically walk into DMV with all that information do they issue the driver's license on the spot or do you have to wait for it in the mail thanks for the video very informative by the way what two forms of ID do they have to be picture ID so you say social security card and birth certificate would probably work or do they have to be picture ID because obviously if you're turning over your let's say California whatever state ID that would already prove something in it LOL
By the way let's say you don't want to use the mail forwarding service that you used or any mail forwarding service will they accept a PO Box as long as you stayed one day in an RV park or hotel
@@menorah7 Yup, that's all. It's so simple! Yes, the driver's license is one ID. The second ID does not need to be a picture ID. Jessa and Brax used a birth certificate and I (since I'm not a citizen), used my Green Card. We also had our Social Security Cards with us just in case.
@@menorah7 regarding using any PO Box... I'm not sure... sorry!!! Americas Mailbox has some less expensive options that are comparable to a standard PO Box.
Can you use your America Mailbox address with your banks?
Depends on the bank. We had Wells Fargo and they canceled us. We are now with Black Hills Federal Credit Union.
Michigan got permanent trailer plates. You pay an one time fee, and the plate never expires.
On RVâs? AZ has permanent tags for open and enclosed trailers but not for RVâs.
@@HomeMeetsRoad even RV if itâs an trailer. If itâs got an motor itâs get an regular plate
I'm curious as to whether a person who owns an ordinary passenger vehicle..... not a "motorhome", but just an ordinary car..... can get register his car and get car insurance in South Dakota without also having a physical address (other than "America's Mailbox"). That is, I would assume the rules of the game are quite different for ordinary cars as compared with RV's.
I have heard that people are registering expensive cars, like Lambos and such, in South Dakota in order to bypass the high tax, registration, and emissions.
I think you would need a PO Box in SD at minimum.
@@HomeMeetsRoad Yes... "at minimum". I think that a lot of auto insurance companies are unwilling to sell an insurance policy to a person who is living out of his car. And it's not ONLY an issue for people who are trying to insure an ordinary car; it's also an issue for people who have done a "van conversion", but which "van conversion" falls short of the criteria that must be met in order for the vehicle to qualify as a "motor home".
Regarding the travel trailer, propane, electrical, and a stove top where the major factors for insurance. I will ask our friends, Wanderful Revolution. They did a van conversion and are âSDâ.
Wabderful Revolution said they filled out some paperwork at the DMV that the van had a toilet, sink, etc⊠and they got an RV certificate for the insurance. No inspection.
@@HomeMeetsRoad Interesting. Thank you for your efforts.
Have you met your doppelganger? Look him up,great guy..Matt Dillahunty.
I haven't will have to look him up.
Take the RWB CHALLENGE
Yea, we are pretty bad with video challenges. Its a miracle we put out videos in the first place đ
I would not recommend letting George at Americaâs mailbox do you vehicle registration, itâs nothing but problems, the worst customer relation I have ever had
Iâm sorry to hear that. We had a good experience and all went well other than my screw up.
Big bonus is that Kristie Noam is your Governor.
đ
Ummm ... insurance . Auto insurance is a Nobility , because the roads are public . So ... What does insurance have to do with anything ???
Other than RV and car insurance is mandatory in SD I donât really have an answer to your question.
@@HomeMeetsRoad The road throughout the U.S.A. is public . Public by law . If you have to pay to access something for it's intended purposes... it's not public . Which means the law is broken as police enforce state granted nobility . United States Constitution Article 1 Section 10 prohibits the states from both grant of nobility as well as bill of attainder. Each states own constitution ensures a similar provision . The 14th ammendments privileges and immunitys clause ensures that . And article 6 supremacy clause ensures that any law otherwise has no ground . While having form and shape of a law , being contrary to the constitutions ... mandatory minimum auto insurance laws , are in fact not laws at all . FYI .đ
Had no idea. Thank you for the enlightenment.
@@smaksymiv4950 your message is very noble. You are referring to everything under the guidelines of the u.s.constitution. prior to 1938 you are correct. Anything after 1938 is considered a whole different ball of wax. While some people will try that example to a officer of the courts( police)- they have option of citing you with a ticket of violation or completely tow everything to the impound.
So I was curious - how do you not pay federal and state taxes on fuel when your vehicle is in need of more?
By definition when you travel the roadways, you are on state land and their definition is that it is their land, not yours!
And they will kindly remind you who is the boss!
Good luck to anyone not having insurance.
Articles of premtion. You're mistaken every state has by way of privileges and immunity a carry over of rights in each states own bill of rights, in Ohio subsections 17 & 19 of section 1 when read together outline my point by relationship to article 1 section 10 of the US constitution . The state has the road only for safety regulation & maintenence rights in no way shape or form may the state claim ownership of the PUBLIC ROADS . This means that the road belongs incrementally to the citizenry for all lawfull uses found in title 23 USC . When you pay fuel tax you're paying for the road which is why no governing body may have ownership of it . The state even refers to the road as a state FACILITY , found thru out state law in to many places to list . Insurance mandatory by law , enforced by police is a state grant of nobility . And is unconstitutional .
South Dakotan, not Dakotian.
Will remember that.
Definitely not let George handle your vehicle registration, totally unable to communicate with customer
Very unprofessional , just a headache to deal with,
Sorry to hear that! Donât remember who I had. Greg, I believe.