Vehicle for mountains - Page 9 - Fiberglass RV


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Old 02-13-2015, 03:40 PM   #113
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Originally Posted by Del Gue View Post
Rethinking everything at this point.
Thinking is cheap, it is doing the wrong thing that is expensive.

Take your time and enjoy the process. Relocating is a big commitment. I'm impressed with the boondockers and their extended trips on limited budgets. A dependable second hand vehicle and trailer will allow you to enjoy a lot of the country no matter where you are based.
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Old 02-13-2015, 03:46 PM   #114
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Wayne, that's ok. Take your time, you have plenty of it yet before you are ready to move someplace.

Montana gets a heck of a lot of snow. I know of one couple who moved there from Oklahoma... bought a cabin in the back woods and thought they had it made. They knew next to nothing about the Montana winters and died that year, snowed in for months.

I doubt we would do it, but my wife and I sometimes talk casually about retiring to Ecuador or Costa Rica. Low cost of living, decent health care, friendly residents, and wonderfully moderate climate. Some folks retire to the Philippines and (last I heard) live on about 1/3 as much money as in the USA; they can even afford maid service due to the low wage rates.

I'm not sure what your likes and dislikes are or what drew you to the idea of Montana, but feel free to start a thread to talk about pros and cons of various retirement sites and what is on your checklist of desired features.

If you like woods and water but not many people, maybe take a vacation to Michigan's Upper Peninsula. The part closest to Lake Michigan doesn't have nearly as severe a winter as one might think (the lake keeps it more moderate). If you really want mountains, perhaps you'd like southern Colorado or northern New Mexico. You could live in the lowlands and enjoy mild winters, yet have tall peaks within an hour or two's drive.
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Old 02-13-2015, 04:27 PM   #115
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Originally Posted by Mike Magee View Post
Wayne, that's ok. Take your time, you have plenty of it yet before you are ready to move someplace.

Montana gets a heck of a lot of snow. I know of one couple who moved there from Oklahoma... bought a cabin in the back woods and thought they had it made. They knew next to nothing about the Montana winters and died that year, snowed in for months.

I doubt we would do it, but my wife and I sometimes talk casually about retiring to Ecuador or Costa Rica. Low cost of living, decent health care, friendly residents, and wonderfully moderate climate. Some folks retire to the Philippines and (last I heard) live on about 1/3 as much money as in the USA; they can even afford maid service due to the low wage rates.

I'm not sure what your likes and dislikes are or what drew you to the idea of Montana, but feel free to start a thread to talk about pros and cons of various retirement sites and what is on your checklist of desired features.

If you like woods and water but not many people, maybe take a vacation to Michigan's Upper Peninsula. The part closest to Lake Michigan doesn't have nearly as severe a winter as one might think (the lake keeps it more moderate). If you really want mountains, perhaps you'd like southern Colorado or northern New Mexico. You could live in the lowlands and enjoy mild winters, yet have tall peaks within an hour or two's drive.
The only problem with moving to the UP of Michigan is having to learn to speak another language "YOOPER"
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Old 02-13-2015, 04:30 PM   #116
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Originally Posted by Del Gue View Post
Change of plans. Montana is out.

Not sure where.

Rethinking everything at this point.
Why, too much snow........???
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Old 02-13-2015, 11:32 PM   #117
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Change of plans. Montana is out. Not sure where. Rethinking everything at this point.
Wayne, Removing restrictions opens a whole new world of possibilities and options! Your thinking and planning phase actually just got tougher, but in a very good way!

Not to get too deep into this, but as you reassess your options, be sure to check into how different states tax any retirement income you might have coming to you after you retire. For example, my home state of Colorado levies a 6% tax on retirement income; Alabama's retirement income tax is 0%. So if I were to move from Alabama back home to Colorado to be closer to my family, the State of Colorado would take 6% of the pension I've earn over the past 30 years even though they had absolutely nothing to do with me earning it. A lot of people (especially commercial airline pilots of all things) retire to Alabama just to enjoy the 0% state tax on retirement income (it must be listed in one of their retirement planning brochures). On the other hand, my brother in California is also retiring this year, which taxes retirement income at 10%, so he's moving back to Colorado to realize a 4% savings. Go figure. So-called "retirement friendly" states can have a lot more going for them besides a nice climate. Worth checking into....
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Old 02-14-2015, 07:58 AM   #118
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Taxes do have an impact on your disposable income, here is a link to state taxes impact
State-by-State Guide to Taxes on Retirees-Kiplinger
but in addition to taxes, weather, health care and crime also plays an important role, here is a link that discusses these issues 100 best places to retire
research and cross reference and you may find your ideal place.
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Old 02-14-2015, 11:26 AM   #119
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That comment about the Golden State hitting "retirement income" for a 10% income tax was very surprising to me. I have been retired for 8 years and the only state income tax I have paid is a few piddly amounts on my total income, certainly never as much as even 1% to the state. Last year a I paid more to the state for sales tax for on-line purchases' than for income tax.


But, I would guess if you have a very high retirement income, like airline pilots perhaps, and didn't mind cold winters or hot humid summers, those other locations might make some sense.


BTW: The Kiplingers link referred to has several incorrect/misleading statements about CA taxes, as is the above claim of a 10% tax on retirement income.


BTW: SoCal today, clear air, 80-85 degrees, snowboarding is open on the mts. and surf is up. I's all about location, location and location, if ya want the very best of that, some may have to pay a little extra for it, but most don't.
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Old 02-14-2015, 11:57 AM   #120
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Bob, some states tax the retirement contribution yearly, as in Pennsylvania and some tax when you start withdrawals. Not sure which California is....
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Old 02-14-2015, 12:35 PM   #121
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Retirement income from something like a 401k, if not taxed when put in, is taxed when taken out so it's usually a wash. If it was taxed going in, only the gain is taxed. I think that most states do it this way, otherwise you would be taxing the same income twice, not that it doesn't happen elsewhere.
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Old 02-14-2015, 12:47 PM   #122
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Here in Pennsylvania you pay the tax each year on your gross salary before any reductions for employer retirement plans. Any subsequent withdrawal distributions including gains are tax free.Thus if you move to a state that taxes only the distribution then you will be taxed twice. Something to consider in moving.
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Old 02-14-2015, 01:06 PM   #123
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[QUOTE=Mike Magee;504518]Wayne, that's ok. Take your time, you have plenty of it yet before you are ready to move someplace.

Montana gets a heck of a lot of snow. I know of one couple who moved there from Oklahoma... bought a cabin in the back woods and thought they had it made. They knew next to nothing about the Montana winters and died that year, snowed in for months.

We were hunting several years ago on a ranch in Montana . One afternoon the owner ,his wife and their son came driving up with 2 pickup trucks and a trailer full of groceries and supplies . They remarked about being trapped in the winter by snow and not being able to get to town for 6 weeks one winter . I guess it is a lesson you only get to learn once.
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Old 02-14-2015, 01:25 PM   #124
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Here in Pennsylvania you pay the tax each year on your gross salary before any reductions for employer retirement plans. Any subsequent withdrawal distributions including gains are tax free.Thus if you move to a state that taxes only the distribution then you will be taxed twice. Something to consider in moving.
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I don't think that is correct, at least in Ca. That is called pre-taxed income and is usually exempt.

Bottom line, unless someone has very high retirement income, in CA, state income taxes will be minimal, certainly not 10% as stated earlier and will reflect actual taxable income, not all "Retirement Income".

But as this is really only of limited interest, and the digression was only made to correct an incorrect statement about CA taxes, maybe we can return to regular programming.
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Old 02-14-2015, 03:37 PM   #125
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The only problem with moving to the UP of Michigan is having to learn to speak another language "YOOPER"
It's not that hard to learn. If you are passingly fluent in Canadian that will get you through most situations in the U.P.


Not sure that was "regular programming" but better than tax talk.

Wayne I do hope you stay in touch here and let us know what you decide. I am in a very similar spot to you - Retire in 5 years, not going to have a huge budget, love mountains etc. Feel free to send me a PM and I can share my current plans if you are more comfortable doing that.
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Old 02-14-2015, 03:59 PM   #126
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It's not that hard to learn. If you are passingly fluent in Canadian that will get you through most situations in the U.P.


Not sure that was "regular programming" but better than tax talk.

Wayne I do hope you stay in touch here and let us know what you decide. I am in a very similar spot to you - Retire in 5 years, not going to have a huge budget, love mountains etc. Feel free to send me a PM and I can share my current plans if you are more comfortable doing that.
I have learned to understand and speak Manitoban but I am lost when it comes to Ontario . Yoopers have a strange way of conjugating their verbs and it takes a while to catch on . I have the same problem when we travel to Green Bay
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