Reply
 
Thread Tools Search this Thread Display Modes
 
Old 06-22-2020, 08:37 AM   #1
TF Site Team
 
City: Westerly, RI
Country: USA
Vessel Name: N/A
Vessel Model: 1999 Mainship 350 Trawler
Join Date: Jan 2014
Posts: 2,312
Part Time Liveaboard!!

We finally moved onto the boat!!! This has been a dream of ours for years. My wife was laid off in late January (Corporate Restructuring, pre-covid). We realized we didn't need to live 2-2.5 hours from the boat any longer (I work from home).

So, we sold the house in NH, and decided to buy a house in Florida instead. Now we're snowbirds. We live in Florida for the late fall, winter and early spring and we live on the boat in RI late spring, summer and early fall.

We finally moved onto the boat this weekend!!!
__________________
Advertisement

Shrew is offline   Reply With Quote
Old 06-22-2020, 09:53 AM   #2
Guru
 
Pau Hana's Avatar


 
City: Seattle, WA
Country: Good Ol' US of A!
Vessel Name: Pau Hana
Vessel Model: 1989 PT52 Overseas Yachtfisher
Join Date: Aug 2012
Posts: 2,292
Welcome to the life!
__________________

__________________
Peter- Marine Insurance Guru & tuna fishing addict!

1989 52' PT Overseas yachtfisher
Pau Hana is offline   Reply With Quote
Old 06-22-2020, 10:19 AM   #3
Guru
 
Moonfish's Avatar


 
City: Port Townsend, WA
Country: USA
Vessel Name: Traveler
Vessel Model: Cheoy Lee 46 LRC
Join Date: Nov 2011
Posts: 1,121
Congratulations! Have a great summer!
__________________
Darren
Port Townsend, WA
m/v Traveler - '79 Cheoy Lee 46 LRC
https://www.pacificnwboatertested.com
Moonfish is offline   Reply With Quote
Old 06-22-2020, 12:33 PM   #4
Newbie
 
City: BASTROP
Country: United States
Join Date: Jul 2019
Posts: 4
Have fun!

Please post your experiences good and bad so we can live vicariously until we buy and move aboard!

Thanks
BogCollector is offline   Reply With Quote
Old 06-22-2020, 03:55 PM   #5
TF Site Team
 
Pack Mule's Avatar
 
City: Paris,TN
Country: USA
Vessel Name: William
Vessel Model: Outer reef 32
Join Date: Jan 2013
Posts: 3,502
Congratulations. Sounds like an awesome gig.
__________________
Marty
Pack Mule is offline   Reply With Quote
Old 06-22-2020, 05:13 PM   #6
Guru
 
Pete Meisinger's Avatar
 
City: Oconto, WI
Country: USA
Vessel Name: Best Alternative
Vessel Model: 36 Albin Aft Cabin
Join Date: Oct 2012
Posts: 1,270
Um, you forgot to tell us about your boat and neglected to include pictures.

For a five year 5,000 post member you had to know somebody would call you out on the omission.

pete
Pete Meisinger is offline   Reply With Quote
Old 06-22-2020, 05:37 PM   #7
Member
 
City: Boston
Country: United States
Join Date: Jun 2020
Posts: 5
Congratulations!
Wanna Be is offline   Reply With Quote
Old 06-22-2020, 05:54 PM   #8
Guru
 
Comodave's Avatar
 
City: Au Gres, MI
Country: US
Vessel Name: Never Say Never
Vessel Model: President 41 DC
Join Date: Jul 2015
Posts: 8,038
Congrats on moving aboard. Enjoy.
__________________
Boat Nut:
If you are one there is no explanation necessary.
If you arenít one, there is no explanation possible.
Comodave is offline   Reply With Quote
Old 06-23-2020, 04:14 AM   #9
Guru
 
Wayfarer's Avatar
 
City: Oneida Lake, NY
Country: USA
Vessel Name: Sylphide
Vessel Model: Kingston Aluminum Yacht 44' Custom
Join Date: Aug 2014
Posts: 1,777
Welcome home!
__________________
Dave
Just be nice to each other, dammit.
The Adventures of Sylphide
Wayfarer is offline   Reply With Quote
Old 06-23-2020, 05:20 AM   #10
FF
Guru
 
FF's Avatar
 
Join Date: Oct 2007
Posts: 20,607
"We live in Florida for the late fall, winter and early spring and we live on the boat in RI late spring, summer and early fall."


Florida has great tax laws.Make sure that you will not be grabbed by RI if you stay there more than 1/2 the year.
FF is offline   Reply With Quote
Old 06-23-2020, 08:27 AM   #11
Guru
 
BandB's Avatar
 
City: Fort Lauderdale
Country: USA
Join Date: Jan 2014
Posts: 18,790
Quote:
Originally Posted by FF View Post
"We live in Florida for the late fall, winter and early spring and we live on the boat in RI late spring, summer and early fall."


Florida has great tax laws.Make sure that you will not be grabbed by RI if you stay there more than 1/2 the year.
Taking this one step further. You need to make a conscious and very direct decision on your residency. It's been NH. They're going to want to hold on to you as a resident until you prove you're a legal resident elsewhere. Having a home elsewhere will not, by itself, do so, as that could be a vacation home.

Here is an excellent page on what's involved to be a FL resident, although some is strictly for SBI's program.

https://www.sbimailservice.com/becom...rida-resident/

Keys are:
-Florida residency. In your case file for homestead exemption.
-Register and insure any vehicles in FL
-Get driver's license and Register to vote in FL
-Open bank account in FL. Don't think just because it's the same bank you're set. Get your account switched or open a new one with your FL address.
-File your federal tax return with FL address.

Every state is suspicious of those who claim to be FL residents. So, they will try to continue to tax you until you've proven you are.

Now, I don't know any sources of income you have, but if you still have earned income in NH or elsewhere, you'll still be subject to taxes there unless you can prove your principle place of business is elsewhere. Becomes time to get an accountant use to dealing with multiple states involved.

We moved to FL, had everything in order, still had to show it all to NC as they wanted to hold on.
BandB is offline   Reply With Quote
Old 06-23-2020, 08:35 AM   #12
TF Site Team
 
City: Westerly, RI
Country: USA
Vessel Name: N/A
Vessel Model: 1999 Mainship 350 Trawler
Join Date: Jan 2014
Posts: 2,312
Thanks everyone. There is no income tax in NH. I don't have a RI address.
Shrew is offline   Reply With Quote
Old 06-23-2020, 08:48 AM   #13
Guru
 
BandB's Avatar
 
City: Fort Lauderdale
Country: USA
Join Date: Jan 2014
Posts: 18,790
Quote:
Originally Posted by Shrew View Post
Thanks everyone. There is no income tax in NH. I don't have a RI address.
Still may be benefits to where you establish your residency. I don't know your situation at all but worth checking out with someone who does. Just being able to avail yourself of homestead for property taxes. For such, your FL drivers license, auto registration and voter registration must reflect the address you're claiming in on. It can amount to several hundred dollars in property taxes on a condo.
BandB is offline   Reply With Quote
Old 06-23-2020, 11:55 PM   #14
Guru
 
South of Heaven's Avatar
 
City: Sharon, Ma
Country: USA
Vessel Name: Slow Lane
Vessel Model: 2005 Silverton 35 Motoryacht
Join Date: May 2017
Posts: 1,034
Shrew, if you're from NH why did you choose RI vs Ma for your boating area?
__________________
Jason

2005 Silverton 35 Motoryacht
South of Heaven is offline   Reply With Quote
Old 06-24-2020, 05:48 AM   #15
TF Site Team
 
Bacchus's Avatar
 
City: Seneca Lake NY
Country: US
Vessel Name: Bacchus
Vessel Model: MS 34 HT Trawler
Join Date: Nov 2014
Posts: 3,743
Congrats on the move aboard.
__________________
Don
2008 MS 34 HT Trawler
"Bacchus"
Bacchus is offline   Reply With Quote
Old 06-24-2020, 08:22 AM   #16
Guru
 
jleonard's Avatar
 
Join Date: Jun 2008
Posts: 3,892
Congrats. Enjoy floating!
We have been Florida residents 8 months, live aboards in Mystic, CT for 4 months for a few years now.

But this is our last summer as live aboards since we have sold our boat (survey is next week).

What marina are you at? Maybe we'll stop by some day in the near future to say hello.
__________________
Jay Leonard
Attitude Adjustment
40 Albin
Mystic,Ct. /New Port Richey,Fl
jleonard is offline   Reply With Quote
Old 06-24-2020, 08:26 AM   #17
TF Site Team
 
City: Westerly, RI
Country: USA
Vessel Name: N/A
Vessel Model: 1999 Mainship 350 Trawler
Join Date: Jan 2014
Posts: 2,312
Quote:
Originally Posted by South of Heaven View Post
Shrew, if you're from NH why did you choose RI vs Ma for your boating area?

LOL!!! I get this question all the time!! ("Doesn't NH have an ocean too"?)

I had a friend who lived and boated in the area, and had introduced me to the area. We loved it and the idea of boating with a close friend seemed appealing.

We live over an hour inland, however the drive on a Friday night to get anywhere on the North shore of Boston, is long. The Friday night commute, along with every trying to get to Maine, NH or home makes for a ton of traffic everywhere. South shore is contending with Cape Cod traffic. Basically my friday night drive would have been 1 hr 15 to 3 hours depending on where I chose to go. It's 2 hours to get here and it is against traffic. The drive was relatively the same. Even if it's a little further, what is 45 minutes on a Friday night or a Sunday night??

New Hampshire and Maine if very rocky, and there is a lot more fog. Less opportunities to get out and less places to anchor.

Portsmouth or North shore has limited destinations (as compared to this area). When the fog lifts, once outside of Portsmouth Harbor, there are few places to go, where I can easily get back by Sunday.

Where I am, I can get to Newport, Block Island, Montauk, Greenport, Shelter Island, Sag Harbor, Mystic, in a short period of time.

There are tons of sandy anchorages in this area.

The boating is generally better. Sandy bottoms, sandy beaches, and a 3 foot tide.

The marinas are generally cheaper.

Now we stay because over the years we've built up a huge group of friends. No matter where we go we run into boating friends we know. Our social life stronger down here than it was back at home.

Oddly enough, I haven't spoken with my friend who lured us down here to begin with in over 5 years. (His wife turned out to be.......not a lot of fun
Shrew is offline   Reply With Quote
Old 06-24-2020, 11:55 AM   #18
Guru
 
South of Heaven's Avatar
 
City: Sharon, Ma
Country: USA
Vessel Name: Slow Lane
Vessel Model: 2005 Silverton 35 Motoryacht
Join Date: May 2017
Posts: 1,034
Interesting, thanks for sharing. If you're an hour inland then you almost couldve made it up north to Lake Champlain in 2 hours too!
__________________
Jason

2005 Silverton 35 Motoryacht
South of Heaven is offline   Reply With Quote
Old 06-24-2020, 02:00 PM   #19
TF Site Team
 
City: Westerly, RI
Country: USA
Vessel Name: N/A
Vessel Model: 1999 Mainship 350 Trawler
Join Date: Jan 2014
Posts: 2,312
Quote:
Originally Posted by South of Heaven View Post
Interesting, thanks for sharing. If you're an hour inland then you almost couldve made it up north to Lake Champlain in 2 hours too!
Yep, absolutely. I could have driven 1 + to Lake Winnipesaukee as well. I was not interested in lake boating. In NH freshwater lakes, you cannot anchor overnight. Winnipesaukee has an amazing number of limitations on anchoring including 2 boat raft max, distances from shore, distances from other boats.

Plus, there are no transient overnight marinas. Just First Come, First Server Public docks. So everyone essentially day boats and goes back to their marina at night. We prefer to anchor out and get the bow into the breeze as much as we can.
Shrew is offline   Reply With Quote
Old 06-29-2020, 04:22 PM   #20
Member
 
CaptGary's Avatar
 
City: East Coast US
Country: United States
Vessel Name: FUNGIRL
Vessel Model: Transpacific Eagle 40
Join Date: Oct 2019
Posts: 18
Congrats! My wife and I do the same thing, except we still ski in VT from December to early March. Otherwise, we sold everything we had in CT and moved our residence to Florida. We are in Florida Spring and Fall. We spend the summer on vacation from Florida and living on our boat based in RI, but cruise all over the North East. It's all on the up and up. We basically spend 4 months of the year in 3 different places. You have to call someplace home, might as well be Florida.
__________________

CaptGary is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off





All times are GMT -5. The time now is 04:09 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0
Copyright 2006 - 2012
×