Differences

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--- lifestyle:residencedomicileforwarding [2023/06/20 03:47]
mahkato move info from Residence page; move "decision" section closer to top
+++ lifestyle:residencedomicileforwarding [2025/11/02 16:59] (current)
frater_secessus [Residence, domicile, and mailing address] header
@@ Line 1: / Line 1: @@
-//**NOTE:** This is not legal advice.//
+This is not legal advice.
-This article is focused on United States definitions and usage; other countries may differ. You can help by [[meta:contribute|editing this wiki]]!
+[ [[lifestyle:residence|residence]] | [[lifestyle:domicile|domicile]] | [[lifestyle:mail_forwarding|mail forwarding]] ]
-====== TLDR ======
+====== Residence, domicile, and mailing address ======
-  * **[[#residence|Residence]]** - your physical address
+There are several related concepts that are simple for homedwellers but more complex for nomads:
-  * **[[#domicile|Domicile]]** - your legal address
+Your legal [[lifestyle:residence|residence]] (aka //physical address//) is the place you would call home if you lived there full time.  It is important that all your contacts know that **you do not receive mail at this address**((unless the person who lives there is your //de facto// mail forwarder)); you receive mail at your mailing address below.  Choose carefully:  your legal residence will appear on your drivers license and other formal documents.  And the county or city of your legal residence can have emissions testing and mail order sales tax implications.
-  * **[[#mailing_address|Mailing address]]** - the address where you receive mail
+Your [[lifestyle:domicile|domicile]] is the state where the legal residence is.  Your domicile state will issue your drivers licence.  Domicile can have income tax,  mail order sales tax, and voting implications.((https://www.nolo.com/legal-encyclopedia/what-is-your-domicile.html))
+> Domicile is a combination of two factors namely, residence and intent to remain... An individual may have several residences whereas; s/he will have only one domicile.  Domicile is more used in reference to personal rights, duties and obligations[ii].((https://domicile.uslegal.com/distinctions-between-domicile-and-residence/))
+Your **mailing address** is the place your mail should be sent.  This is usually a [[lifestyle:mail_forwarding|mail forwarding service]] for most nomads.
-For those who live in conventional homes and apartments, these three are usually all the same, though some people have their mail delivered to a PO Box or elsewhere.
+===== making the decision =====
+Approaching these choices methodically will keep mistakes and distress to a minimum.  If your sticks-and-bricks address was acceptable from a domicile/residence point of view it is probably best to keep them.  You already have official ID, etc.  Mail forwarding can be anywhere.
-For nomads, things are more complex. Society is set up for conventional living situations, so a little extra work is required for those who wish to live on the road.
------
-====== Making the Residence/Domicile/Mailing decision ======
-Approaching these choices methodically will keep mistakes and distress to a minimum. If your sticks-and-bricks address was acceptable from a domicile/residence point of view it is probably best to keep them. You already have official ID, etc. Mail forwarding can be anywhere.
   - **Pick your domicile state** first.  Common criteria:  income tax, health insurance, auto registration costs, auto insurance costs, auto inspection requirements, sales tax, absentee voting.
   - Then **pick your legal residence**.  Commmon criteria:  local sales tax((will apply to mail order purchases)), emissions testing in particular metro areas.
   - Then **pick a mail forwarder**.  Common criteria:  same state as domicile, pricing, reputation, etc.
 See also:  [[lifestyle:hitting_the_road|suggested timeline]] for hitting the road
------
-====== Residence ======
-Your **residence** (aka //physical address//) is the place you would call home if you lived there full time.  It is important that all your contacts know that you **do not receive mail** at this address, unless the person who lives there is your //de facto// mail forwarder; you receive mail at your [[#mailing_address|mailing address]] instead.
-For those who live in conventional homes and apartments, the state where their home is located is automatically their [[#domicile|domicile]]. Nomads may not be at home or have a home but must still have a legal residence.
-==== Working with Financial Institutions ====
-The Patriot Act requires all financial institutions (banks, investment companies, etc.) to collect identifying information on their customers. This is known as //Know Your Customer//, or KYC.  Many of these institutions have interpreted KYC to disallow [[#mail_forwarding|mail forwarders and mailbox services]] as legal residences.
-There is a houseless way to help the institution satisfy KYC. The guidance is given in FINRA regulations:
-> for an individual, a residential or business street address, or for an individual who does not have a residential or business street address, an Army Post Office or Fleet Post Office box number, **or the residential or business street address of a next of kin or another contact individual**...   -- FINRA((http://www.finra.org/sites/default/files/Industry/p006347_0.pdf))
------
-====== Domicile ======
-Your **domicile** is the state where the //legal// residence is((https://www.nolo.com/legal-encyclopedia/what-is-your-domicile.html)). Your domicile will be:
-  * where your drivers and concealed carry licenses are issued
-  * where you can be registered to vote
-  * where your vehicles are titled
-  * where you pay state income tax, if applicable
-  * used to calculate base sales tax for online or mail order transactions, if applicable
-> Domicile is a combination of two factors namely, residence and intent to remain... An individual may have several residences whereas; s/he will have only one domicile.  Domicile is more used in reference to personal rights, duties and obligations[ii].((https://domicile.uslegal.com/distinctions-between-domicile-and-residence/))
-==== Income Tax by State ====
-State income taxes range from 0% to 7% or more. If you have high earnings, this variation could make a significant difference in your tax expenses.
-Wikipedia: [[https://en.wikipedia.org/wiki/State_income_tax#Individual_income_tax|Income tax by state]]
-  * Alaska - None
-  * Arizona - 4.54% max((http://www.tax-rates.org/arizona/income-tax))
-  * Florida - None
-  * Montana - 6.90% max. MT taxes social security payments
-  * Nevada - None
-  * New Hampshire - None. Interest and dividends: 5.00%
-  * New Mexico - 4.90% max
-  * South Dakota - None
-  * Tennessee - None. Interest and dividends: 6.00%
-  * Texas - None
-  * Washington - None. Estate tax.((https://www.nolo.com/legal-encyclopedia/washington-estate-tax.html))
-  * Wyoming - None
-==== Sales Tax by State ====
-State sales taxes vary from 0% to 8% or more. If you spend a lot, or purchase a vehicle in these states, this variation could make a significant difference in your tax expenses.
-Tax-Rates.org: [[http://www.tax-rates.org/taxtables/sales-tax-by-state|Sales Tax by State]]
-  * Alaska - None
-  * Arizona - 5.60%
-  * Florida - 6.00%. Florida charges 6% sales tax on vehicle registrations and has inter-state tax reciprocity.((https://revenuelaw.floridarevenue.com/LawLibraryDocuments/2015/02/TIP-119228_TIP%2015A01-01R%20Motor%20Vehicle%20Sales%20Tax%20Rates%20by%20State%20-%20TIP%20FINAL.pdf))
-  * Montana - None
-  * Nevada - 6.85%. Nevada does not collect sales taxes on private party vehicle sales.((http://www.dmvnv.com/regprivate.htm))
-  * New Hampshire - None
-  * New Mexico - 5.13%
-  * South Dakota - 4.00%. The state excise tax paid on new registrations for vehicles is 4%.((https://www.state.sd.us/eforms/secure/eforms/E0864V20-SDApplicationForMotorVehicleTitle&Registration.pdf)) Local sales tax does not apply to sales of motor vehicles.((http://www.pennco.org/index.asp?SEC=E6DB3BCA-5762-4D26-BDE5-EC5C3EB66DE8&Type=B_BASIC)) Some SD counties charge a nominal “wheel tax” when registering vehicles.((http://www.sdlegislature.gov/statutes/DisplayStatute.aspx?Type=Statute&Statute=32-5A)) 2012 figures showed a range from $0/wheel to $4/wheel.((http://dor.sd.gov/Motor_Vehicles/Fees/PDFs/WHLTAX.pdf))
-  * Tennessee - 7.00%
-  * Texas - 6.25%. Texas charges 6.25% state sales tax on vehicle registrations.((https://www.comptroller.texas.gov/taxes/motor-vehicle/sales-use.php)) Private sale taxes will be based on the [[http://www.txdmv.gov/spv-calculator|Standard Presumptive Value]].
-  * Washington - 6.50%
-  * Wyoming - 4.00%
-==== Vehicle Inspections by State ====
-Wikipedia: [[https://en.wikipedia.org/wiki/Vehicle_inspection_in_the_United_States|Vehicle inspection in the U.S.]]
-  * Alaska - None
-  * Arizona - None. Some emission testing.
-  * Florida - None
-  * Montana - None
-  * Nevada - None. Vehicles registered in urban areas in Clark county (Las Vegas) and Washoe county (Reno) require emission testing.((http://www.dmvnv.com/emission_areas.htm))
-  * New Hampshire - Annual
-  * New Mexico - None. Some emission testing.
-  * South Dakota - None
-  * Tennessee - None. Some emission testing.
-  * Texas - Annual((https://www.tceq.texas.gov/airquality/mobilesource/vim/overview.html)). Some counties in Texas require emission testing during annual inspection:((https://www.tceq.texas.gov/airquality/mobilesource/vim/overview.html)) //Houston-Galveston-Brazoria Program Area:// Brazoria, Fort Bend, Galveston, Harris, and Montgomery counties. //Dallas-Fort Worth Program Area:// Collin, Dallas, Denton, Ellis, Johnson, Kaufman, Parker, Rockwall, and Tarrant counties. //Austin Area:// Travis and Williamson counties. //El Paso Area:// El Paso County.
-  * Washington - None. Some emission testing.
-  * Wyoming - None
-==== Handgun Carry by State ====
-Wikipedia: [[https://en.wikipedia.org/wiki/Concealed_carry_in_the_United_States|Concealed carry in the U.S.]]
-USACarry.com: [[https://www.usacarry.com/concealed_carry_permit_reciprocity_maps.html|CC permit reciprocity]]
-  * Alaska - Unrestricted. Shall issue.
-  * Arizona - Unrestricted. Shall issue.
-  * Florida - Shall issue.
-  * Montana - Shall issue.
-  * Nevada - Shall issue.
-  * New Hampshire - Shall issue.
-  * New Mexico - Shall issue.
-  * South Dakota - Shall issue regular and "enhanced" permits. Some reciprocity limitations.((https://sdsos.gov/services-for-individuals/assets/SummaryCarryStates.pdf))
-  * Tennessee - Shall issue.
-  * Texas - Shall issue.
-  * Washington - Shall issue.
-  * Wyoming - Unrestricted. Shall issue.
-==== Residency Requirements by State ====
-  * South Dakota - 1 night required.
-==== Domiciling Resources ====
-  * Technomadia's [[http://www.technomadia.com/2013/02/setting-up-domicile-in-florida-as-a-full-time-rver/|take on domiciling]] in South Dakota, then later [[http://www.technomadia.com/2013/02/setting-up-domicile-in-florida-as-a-full-time-rver/|in Florida]].
-  * Kirk's [[http://adventure.1tree.net/index.php/rv-living/lifestyle/how-to-choose-a-full-time-domicile|take on domicile]]
------
-====== Mailing Address ======
-Your **mailing address** is the place your mail should be sent.  This is usually a [[lifestyle:mail_forwarding|mail forwarding service]] for most nomads, but may also be the home of a trusted relative or friend who does not expect to move for a long time.

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