Luckypenny
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Joined 10 years ago
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Re: Love or hate work camping?
vacuumbed wrote: For those of you that have lived in your rig for work have you loved it or hated it as compared to living in a home? It's really up to you and your situation. If you're living in a smaller more discrete set up (truck camper, bus, small class c), you might be urban camping and get away with it. I imagine that would get tiring to work and have to move your rig all the time. Do you have pets? kids? SOs? Will you be urban camping, parking at a campground, a friends house, what? I lived in my car for a bit 10 years ago and now just moved into an RV. When I was living in my car I felt uneasy and it was tiresome to find a place to park for the night. Now I am living in a small (17') RV with my bf and cat. We are having a blast. We go to work and come home, it's great. Parked at my sister's house. Honestly I wish I had done this sooner, making a decent wage and living in an RV with a free/cheap place to park = $$$. Anyways, with more details of your situation people can probably answer with a lot more experience.469Views0likes0CommentsRe: Disqualified from work because of your rig?
carl2591 wrote: now it was a 25yr old airstream that was all polished up they would PAY you to park it there.. that is too funny.. Luckypenny wrote: I got the a-okay from the workamping position based on pictures, and we got the job! I should have mentioned our rig passed NYS inspection a few months ago and has a solid foundation. It has had some good welding work done to it, and it's not an eyesore except compared to the fancy new ones. But it is still 25 years old... So true. And how I wish it were an airstream...435Views0likes0CommentsNew to workamping, looking for tax advice
My bf and I just accepted our first workamping position, to start in May. We will be paid a wage for half the job, and paid a 1099 for other duties. We will be provided a site for x amount of hour from the wage job. So, with our first position it looks like it's already getting a bit hairy as far as tax implications go. So, I would like some preemptive advice to keep our taxes simple (and low if possible) before we start working. Is there anything we should look out for (tax-wise) when we enter into contracts? For instance, if one of us is able to be solely responsible for the 1099 duties, it would prevent us from both receiving a 1099 and (both of us) having to pay the base self-employment tax. I'm not trying to evade taxes, but I am trying to not be excessively or doubly taxed (between the bf and I, who will be filing separately), so if there is any advice for things we can discuss with our employers when we are hired, it would be good to know that now. How does it work when you are not paid a wage? And just work for a site? Does one person usually carry the brunt of this on their taxes, or both? Will we receive more 1099s for other benefits? I am just looking for layman's advice here, since I will consult a CPA at the end of the year to do my taxes. If I can avoid pitfalls others have fallen into, let me know!1.4KViews0likes4CommentsRe: Could I get a better deal on this TT?
We went to 5 dealerships in two weeks in our area, looked over craigslist, looked at their inventory online first and played hard ball. I knew the inventory better than some of the salesmen. There will always be another trailer for a better deal. They need you more than you need them. I had a much healthier perspective at the 5th dealership than I did the first one. I would really encourage you to go around and see what's out there. I would encourage you to look at used ones even if you're not interested in getting a used trailer, also look at some 5th wheels, motorhomes and the whole spectrum. You'll be a lot more comfortable naming your own price when you know what's out there in your local area. "Oh, you can do $12k. I was just looking at XYZ dealership down the street and liked a model that was $9k..." I can't give you an exact price of what it should or shouldn't be. What is the salesman's reason for it being higher priced than the 2016 models? Are there any RV shows in your area coming up? I hear that is a great place to bargain.488Views0likes0CommentsRe: Banking, using an online bank, cashing checks, etc.
GoPackGo wrote: I'm at a loss as to why you think you need two 'banks' (Credit Union and a Bank). They both do exactly the same things. Not trying to pry into your life, just trying to understand. Just because there is two of us, and we will be using different banks to avoid ATM fees and things like that. We're not married, we might get a joint account but definitely have our own separate ones too.681Views0likes0CommentsRe: Banking, using an online bank, cashing checks, etc.
4X4Dodger wrote: Well first a couple of observations: Virtually all employers will have direct deposit capability so I really dont think that will be as big an issue as you think. Many will issue you a debit card and deposit directly to that. No fees are allowed on deposit or withdrawal of your pay from these kinds of cards. We use a great small bank in North Dakota which I will give you the name of in PM only. They have a really comprehensive web site on which you can do everything and it is very secure. When you sign in it will send you a text to your phone with a one time only code that must be entered before you can access your accounts. This bank is very responsive and you can get real people on the phone generally immediately when needed. Our checking pays us back all ATM fees even overseas. I really cant say enough good things about them. And in todays digital world you dont need some big international bank to be able to travel and get money. We are in our second going on third month in Mexico and have had no problems at all with the bank our cards or accssing their web site and doing everything from setting travel alerts to shifting money about. Pm me and I will give you the name of the Bank. PM Sent. Appreciate it. :) There are several Temp services I have worked for (even one that I had a 7+ month assignment for) that have not offered Direct Deposit. In the past I have also cleaned houses (private residences) and normally those are personal checks. I would have to have a separate banking account for that for tax reasons, and would not want to open/close bank accounts as I travel for tax/reporting/audit reasons as well. Also, when you get direct deposit with any employer your first check is given in person, the rest are issued with direct deposit. This has been the case everywhere I have worked for the past several years.271Views0likes0CommentsRe: Banking, using an online bank, cashing checks, etc.
JAXFL wrote: I hate to say it but BofA has branches almost every where and you can deposit or withdraw from any of them/ATM. It is very covenant when traveling. I thought about them. I had them up in Boston and they weren't so bad. There is one in MT, but it's a ways from where we are staying. Do you have any experience with online banking with them?138Views0likes0CommentsRe: Banking, using an online bank, cashing checks, etc.
simsfmly wrote: We run a business from the road, and our issue is checks made out to our business that need deposited. So first, you need to make sure that these checks are in your name and its sounding like these are payroll checks. If you're going to be in one place for 6 months, you can set up a local bank account which you can do for check deposits. Use the address of where your RV is parked. We have one here in Texas. US Bank doesn't have the restrictions that you're mentioning, and they're located in South Dakota but they do have daily limits of (I think) $2k. Thanks for the info! I will definitely look into US Bank. I thought of another question, what do I do when I am no longer on the East Coast and I want to close my Citizen's account? Do I have to do that in person? Does anyone have any relevant personal experience to add to that? My last paycheck will be direct deposited into that bank, and will include all my unused vacation so it will be a big one. And unfortunately USAA is not an option for us. :(138Views0likes0CommentsBanking, using an online bank, cashing checks, etc.
Hello there, I have read a few posts on the subject of banking, but have not found anything conclusive to help me. My bf and I will be full timing in a few months. We plan on at least one of us keeping our current bank, and trying to bank online. We have Citizen’s right now. On the road ee will be working for various employers, probably will not have the option of direct deposit, will likely be paid in checks (payroll and personal), and would like to know if anyone can talk about the bank they are currently using. We will be spending the first month traveling, the following 6 months in Montana. I am planning on using SD as my domicile, bf will be using WY. I’m also interested in using a bank I can deposit Money Order’s into, since if I accumulate a lot of cash (for instance from waitressing) I like to change it into MOs. In the past, when I have done online banking, depositing checks using my phone, there have been a number of problems with it. One bank I used would not let me deposit personal checks over $200, nor would it let me deposit PAYROLL checks over $500. This was very limiting as you might imagine. Without a sticks and bricks location (or ATM in the state), my only hope to deposit the check was to send it to them and allow for 7-14 business days for processing. What a pain in the ass. I was trying to look up several other banks that I could use: It looks like Citizen’s has a limit on the amount you can put in as well, although it doesn’t specify the amount. It also prohibits you to mobile deposit Money Orders, traveler’s checks, etc. Capital One’s terms and conditions don’t specify the maximum amount, just that there are maximums: “The Services are subject to limits including daily and monthly limits on the dollar amounts of Images you can Transmit. We can modify these limits and add others at any time at our option.” What banks do fulltimers (without direct deposit) use? What issues, if any, have you run across with these banks? Thanks for any information you can provide!7.3KViews0likes37Comments
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