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About Blues

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  1. Blues


    I think the OP has a 42' Tiffin. I looked at the website for Wompatuck State Park, and it didn't show any sites that are 42 feet long, and only 5 that are 40 feet long, and it's apparently heavily wooded. Might not be a great option.
  2. Blues

    Health insurance

    What do you mean by that? One of the advantages of domiciling in Florida (and one of the disadvantages of domiciling in South Dakota or Texas) is that Florida offers plans that have a nationwide network, and people with those plans can use medical facilities anywhere in the country, as long as the facilities are in the plan's network. That's why Florida currently wins over Texas and South Dakota for people who aren't eligible for Medicare. As for this thread, Zulu is assuming that the OP (and his wife) will actually be living in South Dakota. I don't agree with that assumption because the OP said he was going to change his domicile for "registration purposes," not to live there. But the OP hasn't been back to clarify.
  3. Blues

    Health insurance

    Have you spoken to an ACA advisor and been told that the ACA "doesn't really care" about domicile in any situation, including where residency is so short term that getting insurance related to that location is impossible?
  4. Blues

    Health insurance

    But the ACA obviously didn't anticipate people who would be changing locations so frequently that it would be literally impossible for them to have their insurance keep up with where they're actually staying. What should that person do? Put yourself in an ACA advisor's shoes--where would you say a traveling fulltimer's insurance should be? If it's impossible for the fulltimer to have his insurance match where he's living on a day-to-day basis, then why wouldn't his domicile be the "default"?
  5. Blues

    Health insurance

    Actually, it does if the OP isn't actually moving to South Dakota to live, as you seem to assume. The OP said he's changing his domicile from Maine to South Dakota "for registration purposes," which sounds like the typical thing a fulltimer does--choose South Dakota as his domicile while he travels around. That's how I read it when I suggested that he remain a Mainer until his wife is eligible for Medicare.
  6. Blues

    Health insurance

    Are you planning to actually BE in South Dakota from August until April? If so, moving there would be a "qualifying event" for Obamacare and your wife could change her insurance to her new domicile. She doesn't have to wait until open enrollment for January 2019 to do it. But if you're not planning to actually be in South Dakota, your wife doesn't want insurance from there because South Dakota doesn't have any plans with nationwide networks. That's fine for people who are physically in South Dakota, but for people who use it as their domicile while they travel, that not a good situation.
  7. Off the top of my head: voter registration card, driver's license, vehicle registration sticker or license plate, toll-by-license-plate statements, Norcold class action settlement checks, some particular brokerage account stuff that has to be sent on paper for some reason, health insurance documents (including ID card), membership cards (like Passport America), occasional personal correspondence. Even then, I get my mail forwarded only about every 3 months or so. The main thing I get in the mail is the New Yorker magazine. It's weekly, and buying it on the newsstand would cost well over $400/year, while a subscription is around $100/year (plus I don't have to be sure to be at a place that sells it during the week it's on the newsstand). Since they're bulky, my mail is always forwarded in a medium flat-rate priority box, which has tracking and costs $13.65 these days. I know that having a subscription to a weekly magazine that will have to be forwarded sounds crazy, but it's actually a great deal.
  8. Got a replacement unit. My 15-year-old washer/dryer is about to bite the dust. It's a Splendide 2000 (WD 802M), and I would like to replace it with an identical one in good shape. Perhaps you have one that you've never or only rarely used, and you just haven't bothered to get rid of it. If so, please PM me and let's talk. Or if you have a different model very lightly used Splendide combo unit (must be vented), I might be interested.
  9. Blues

    Another Insurance Question

    Thanks for reporting back. I'm still suspicious about Geico's claim that Texas is the only state where they can't offer the personal liability portion for fulltimers, but since South Dakota has a lot of fulltlimers, that's good news for them.
  10. Blues


    If your pay isn't based on getting tips, then no, you shouldn't expect to start getting tips. But if you are a server and your pay is based on getting tips (i.e., your wage is less than the actual minimum wage because you are a tipped employee), then there's no basis for people to stop tipping. That would be the same even in states that have increased the minimum wage to more than the federal minimum wage--part of servers' pay is still based on tips. There are a few states that require servers to be paid that state's actual minimum wage (not less than the minimum wage, as in most states), but tipping is part of the scheme in restaurants even in those states, so again, there's no basis for people to stop tipping. Personally, I hate tipping in all its forms, but if I choose to go to a place where servers are customarily tipped, I do it at the customary rate (which is not 10%).
  11. What have you tried so far to get premium information? It's all readily available at Blue Cross's website (floridablue.com) or at healthsherpa.com. You don't have to establish a log-in or identify yourself at either site--just enter things like age and sex. You want an EPO, not an HMO, to get the nationwide network. Of course, the current premium may not have anything to do with what the premium will be next year, but nobody can predict next year's premium at this point. And Blue Cross may not even offer these plans in 2019--they pulled them out of Texas on very short notice.
  12. Blues

    Another Insurance Question

    Did you look at the breakdown of Geico's coverage? When I got a quote for fulltimer insurance from Geico a year ago, it didn't include the personal liability portion like you get with homeowner's insurance. And note that umbrella policies only increase coverages you already have--if there's no personal liability portion in a Geico policy, the umbrella isn't going to "create" it. Geico said it was fulltimer coverage because it covers the RV 365 days a year and covers personal effects. I countered that it's not because it doesn't have the personal liability coverage, and he said it is because it covers the RV 365 days a year and covers personal effects. Stalemate. Now, you're in South Dakota and I'm in Texas, and the Geico representative told me they had the liability coverage in every state except Texas, but after thinking about it, I'm not confident he was telling the truth. It makes no sense that other companies can offer that bit of coverage in Texas but Geico can't, plus I recall that later, someone from another state said their Geico fulltimer quote didn't include the personal liability portion. So if dealing with Geico, get a detailed breakdown of the coverages to make sure everything you need is in there. The only reason I even noticed was because I have a spreadsheet where I enter each element of each quote, and noticed there was a blank cell for Geico on fulltimer liability. Here's a link to my previous post about it: http://www.rvnetwork.com/topic/126436-warning-geico-is-not-fulltime-insurance-in-texas/ If it turns out that Geico does offer the fulltimer personal liability portion in South Dakota, please post that here. That won't prove that Texas is truly the only exception, but it would tell me that they offer it somewhere.
  13. Well I'll be damned. "General delivery" in the on-site services is back. That's what I was looking for all along, and it had disappeared completely, including locations that I knew accepted general delivery. Like Chandler, Arizona, which I linked to above. It didn't have "general delivery" in the list of services last Friday, and now it does. I also checked a couple of others that didn't have it, and now they do. However...I looked for general delivery in Amarillo, Texas, and every post office there has "general delivery" in the on-site services, and I know that's not right. When I used Barb's method of looking up a zip code to find general delivery, it gave 79105, which is the main post office downtown, which I would expect. When I tried that using 79120, the zip code for one of the branches that also lists "general delivery" in the on-site services, I got the same "79105" general delivery address I got searching only for Amarillo with no zip code. And I tried it for Austin, too, and the branches in the capitol building and at UT both have "general delivery" in the on-site services, and I'm quite sure they don't do general delivery, just because most branches don't, and both of these are less than a mile from the downtown post office, which is the zip code given for general delivery. Then again, I did find some random branches that don't list general delivery, so it's not like a computer glitch has it appearing in every post office listing. So it looks like it's still broken, but in a different way. Oh well. At least for the time being, I can get a lead on a general delivery location by doing a couple of different searches, which is better than nothing. And for sure I'm going to call first. I did that with a location yesterday, and the guy kind of treated me like an idiot, but that's better than not understanding where it's supposed to go and where I'm supposed to pick it up. I'll also note that on the initial recording, the hours it gave for that post office were different from what was listed on the website. Sigh.
  14. Blues

    South Dakota or Florida

    The easiest way to prove you did not mean to be married is to not do anything that represents to the public that you are married. You know, something along the lines of "Don't lie, and definitely don't selectively lie in order to get a financial benefit." If you don't hold yourself out as being married, it's unlikely it will ever even come up. But if it does come up, the person claiming that a common law marriage exists will have the burden of proof. That's not proving a negative. Again, I have yet to hear of a case where someone really didn't do any holding out (no signing tax returns as a married couple, no borrowing money as a married couple) and yet was declared to be in a common-law marriage. Actually, you can (and maybe should) sign an agreement if you are living together and sharing expenses but are not and don't want to be married. It's used mainly for financial reasons (like a prenup, only there's no nup), but it would also serve as an acknowledgement that you are not married as of that date, and that you aren't intending to be married. A distinction: It's not common law states you want to avoid--it's states that recognize common-law marriage. A "common law state" is something entirely different. I find it interesting that arcane and unlikely scenarios like dower and common-law marriage are brought up, but not community property. Or the laws of intestacy, which kick in if a will is declared invalid in a will contest. (And in the case of dower, I'll admit I haven't even thought of it in 30 years, but I think it applies, in the rare instances where it does apply in the U.S., only to real property (i.e., land), which most fulltimers won't have.) Most "regular" people pick a state to live in based on whether they want to actually live there, based on a job, the weather, the community--things like that. A factor might be the cost of living, like taxes or fees, but the driving issue will be where they want to physically be. It would be a rare person who investigates the laws concerning dower or intestacy or even community property, and yet the vast majority of people get along just fine. For fulltimers, it's different because there's no hugely overriding factor, like whether they actually want to live in a given place, so I guess it's tempting to get into the weeds in order to have something to base a decision on.