We Are Still Floridians

May 20th, 2011

Highlands Hammock, FL

Highlands Hammock State Park

I posted the following in response to the comments I received on My You’ve Got Mail post. I decided to make a post out of it, in addition to the comment, as it will most likely get lost otherwise.

Wow! Seems like, if you are going to get a South Dakota address, MyDakotaAddress is the way to go. Not a negative review in the bunch. Thanks to everyone for your feedback.

After running all of the numbers, we have decided to remain Florida residents. For us, it all boils down to the points noted below. We calculated the following figures using American Home Base as our Florida address and MyDakotaAddress as the South Dakota address.

  • It turns out that our $1000ish a year auto/camper (Florida) insurance would only be reduced by about $80 a year in SD. Not the 1/2 price reduction everyone else experienced

  • Our registration would go down significantly. It is currently $185/yr in Florida. It would be $75/year in South Dakota.

  • We would have to find a new health insurance provider. Humana doesn’t do business in Madison, SD. None of the comparable plans that with providers that do service in that area were any cheaper than our current ones.

  • Our mail service, while HIGHLY recommended, would cost us $36 more per year.

  • We would have to travel to Madision, SD sometime within the next year.

So as of right now, the $230 savings are not worth the hassle nor the 1400 mile trip from our current location to Madison. If/when we do pass through South Dakota, we will most likely make the move.

Thanks again to everyone for your input. I am sure this post will be helpful to others in the future as they contemplate making the same choices.

You’ve Got Mail

April 26th, 2011


An unusual mailbox in Miami, FL
I have always been a resident of Florida. I had always planned to be. That is, until I realized how much I could really be saving as a resident of South Dakota. Turns out, my car/house insurance could be cut in half. Neither Florida nor SD have state income tax or yearly vehicle inspections so that’s a wash, but it would cost half as much to register my truck each year in SD. Unfortunately, all the stuff we heard about health insurance being cheaper doesn’t seem to hold true. The prices were comparable to our current plans in Florida (which btw have gone up 50% in the last three year w/o any claims.).

We have been pretty happy with our current mail forwarding service. They are only $15/mo for up to five mailings a month whether they are scheduled or on demand. They discard all junk mail and only send us items that are first class or higher. We can also call and see what mail they have for us at any time of day. We are bit leery of switching to another. As far as I know, there are seven mail forwarding services to chose from. So, now we get to the true point of this post: Are any of our readers residents of South Dakota? Do any of you have experiences or opinions on the mail forwarding/residency services in South Dakota.

But It’s The Desert!

December 22nd, 2009

It snowed. And then it snowed some more. It snowed so much that Amazon/Integrity hired buses to bring in their staff from Reno. It was nice of them, but I wish they wouldn’t have called me at 1pm to let me know that they were going to do it.  I am not in Reno and the call woke me up a couple of hours earlier than I would normally get up. It wouldn’t have been so bad if I been able to go to sleep at my normal time, but we went to sleep a few hours later than scheduled. So, after 4 hours of sleep I awoke to this:

The snow is just starting. Fernley, NV
The start of the snow day in Fernley, NV

A light snowfall. I know. Its not a big deal. There isn’t much snow out there at all. Its about as much snow as I expect when there is snow forecast and usually its gone by the next afternoon. However, this was no ordinary snow day for us.

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Winchester RV Repair

November 13th, 2008

Spice rack built by Winchester RV Repair

A couple of months back, we posted about three guys that got laid off from the Northwood of Virginia factory and have gone into the repair business. Well, we still needed a few things fixed because of problems with our appliance vendors and had a few days left on our warranty, so we figured it would be a good time to visit Bruce, Jerry and Roger again. I’m happy to say they had about a half dozen RVs in for repairs – primarily insurance claims and warranty work. Fortunately for us, everything they had sitting was because they were waiting for parts to arrive, so they had some time to work on our fan and air conditioner without having to wait.

We’ve been working on their website for a few days and instead of trying to figure out how much to charge a start-up that we really want to see succeed, we talked them into doing some customization on the camper. You’ve seen my oh-so-humble efforts on the liquor cabinet, so let’s just say I was thrilled to see what they made of my request to add a spice rack. And here I was about ready to buy some wire and plastic contraption from Wal-Mart!

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Insurance

October 31st, 2007

Well something that I should have researched better is insurance. I have called my current agent a few times over the last couple months with questions about insuring the camper and F450s. Every time they would promise to research it and get back to me. Emails have gone back and forth as well. Neither yielded any results. I have given up on my agent. I have been spending the last week looking at my options. They are quite varied. GEICO being the cheapest and Good Sam (GMAC) being more than twice as much as anyone else. Just like my current Allstate agent, the folks that I spoke with at Progressive had no idea on how to insure the camper while it is off of the truck.