Originally posted by chriskre
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Wanna be a FL Resident? If your rich, think twice about Floridizing.
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Car-wise, the insurance companies do want you to register and insure it where it is garaged. That's how premium rates are based. FL is fairly expensive the first time you register a car, so that's a tough thing to here after you have registered a car there, trying to be consistent in your finances and anything registered with the government, to corroborate your FL residency.
Like I said before, there's so many things that you have learn by doing them that no one can consider all of them beforehand.
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Regarding dropping our hurricane coverage, our agent said the company said that since it's so close to renewal (next week), they won't. He was kinda vague on whether they will next year, because he said "so you have a year to think about it.
Frankly. I find that a little strange since it's not uncommon to add to ar take stuff away from policies mid-term.
But, in FL it's the insurance companies' game, and you have to play by their rules. Lots of them.RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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Originally posted by rapmarks View Postwe moved from Illinois to Florida, and had a summer home in Wisconsin during that time. We were never residents of Wisconsin,and always kept a low profile there.
http://www.thedocisin.net/wp-content...ndreaSpWeb.jpgRCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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Timely, I just completed our tax returns on Taxact.
On the state return, it did ask for our "Part Residency" dates and it did separate out our State sources of income.
Then, magically, without any thought on my part, it prepared our returns.
RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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[QUOTE=JLB;563560]Timely, I just completed our tax returns on Taxact.
On the state return, it did ask for our "Part Residency" dates and it did separate out our State sources of income.
Then, magically, without any thought on my part, it prepared our returns.
[/QUOT
there is the difference , we have no income!
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[QUOTE=rapmarks;563566]Originally posted by JLB View PostTimely, I just completed our tax returns on Taxact.
On the state return, it did ask for our "Part Residency" dates and it did separate out our State sources of income.
Then, magically, without any thought on my part, it prepared our returns.
[/QUOT
there is the difference , we have no income!
The Branson to SW FL connection grows bigger every year.RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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If you go to Florida, ask the people you meet where they are from and see how many it takes before you get the answer "Florida".
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Originally posted by tonyg View PostIf you go to Florida, ask the people you meet where they are from and see how many it takes before you get the answer "Florida".
I'm an ex-yankee myself.
Of course if you go to the West coast then you'll find those ex-snowbirds hiding from their mountains of snow and taxes.
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Originally posted by tonyg View PostIf you go to Florida, ask the people you meet where they are from and see how many it takes before you get the answer "Florida".
My staff, and the members, at the golf course in 2012, was mostly Noreasterners . . . Vermont, Main, Mass, New Jersey, New York . . . with just a sprinkling of Iowegians and what-not.RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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Originally posted by JLB View PostFlood and hurricane are 80% of our insurance.RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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Originally posted by JLB View PostJust renewed. To be exact, flood and hurricane total 77.64144% of our insurance premiums, about the same amount as three of the maintenance fees on our unwanted timeshares.
Looking at this again, since we have to drop "Hurricane" coverage before an insurance renewal date.
Our insuror says our "Hurricane Premium" is $857.00, and our "Non Hurricane Premium" is $450.00."
Our Flood insurance is $706.
So, $1563 of $2013.00 in premiums is to cover Hurricane, more or less. In 50-some years, there has never been a Hurricane or Flood claim paid on our property.
If there was a Hurricane claim, the deductible would be 10% of total insured value, so our out-of-pocket would still be significant.
In today's dollars, if Hurricane (and flood) coverage had been in force, it would have cost $78150.RCI Member Since 24-Aug-1989/150-plus Exchanges***THE TIMESHARE GRIM REAPER~~~Exchanging/Searching/SW Florida/MO/AR/IA/Consumer Advocacy/Estate Planning/Sports/Boating/Fishing/Golf/Lake-living/Retirement****Sometimes ya just gotta be a dick
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