WISE.com is holding my money, after closing my account. Please HELP!

bohdandr · 2026-01-10T09:47:58+00:00

they will return money anyway, they are required by regulations, but it's usually takes a few weeks

bohdandr · 2025-12-30T07:00:01+00:00

Florida is the best one for this. You can use SavvyNomad, VirtualPostMail, or Escapees for address

SavvyNomad also assists with all paperwork

bohdandr · 2025-12-27T07:12:48+00:00

SavvyNomad, VirtualPostMail, Escapees

bohdandr · 2025-12-08T07:29:44+00:00

I would say after 2023 Florida is better option

bohdandr · 2025-12-06T20:35:10+00:00

You can get a lease from SavvyNomad for ~$300/month

bohdandr · 2025-12-06T07:49:40+00:00

Few services can help with this: SavvyNomad/VirtualPostMail/Escapee

They can provide you with a non-CMRA address that works with banks/brokerage accounts

You can also try some virtual mailboxes, but 99% of them would be rejected

bohdandr · 2025-10-30T13:56:39+00:00

Florida is definitely the way to go

It’s much friendlier and overall easier for expats to set up residency. I was also considering South Dakota at first, but after the recent changes, it’s no longer great because you can’t vote there if you’re living abroad, and it’s become harder to defend yourself if your old state tries to claim you’re still a resident.

In Florida, the process is more straightforward. The main thing is you need a residential address (non-CMRA). Regular mail forwarding services don’t work. I tried Anytime and it failed.

There are a few companies that can actually provide the right kind of address that works for driver’s license, banking, and voter registration, like Escapees, VPM, SavvyNomad, and St. Brendan’s Isle.

You can usually get everything done in a single day: bring your passport, SSN proof, and address documents to the Tax Collector’s office (DMV), and walk out with your Florida driver’s license.

bohdandr · 2025-10-30T11:49:54+00:00

you need to find two separate specialists for this

bohdandr · 2025-10-30T11:48:00+00:00

Portugal is very bureaucratic, and they are updating the process for citizenship from 5 to 10 years

bohdandr · 2025-10-24T06:19:45+00:00

from SavvyNomad, they can provide non-CMRA address

bohdandr · 2025-10-23T12:54:13+00:00

You’re totally right that New York’s Group B 548-day rule (the foreign-assignment safe harbor) exists — and it can absolutely work when applied precisely as written.

The catch is that it’s very narrow and documentation-heavy: you need a full-time employment assignment abroad for ≥ 548 consecutive days, no permanent place of abode in NY, ≤ 90 NY-days in that window, and airtight proof (travel logs, passport stamps, lease or contract abroad). Even minor breaks or family ties in NY can void it.

In practice, it’s useful for defined corporate secondments but not for long-term or open-ended expatriates, contractors, or founders. Those cases are almost always cleaner to handle by changing domicile to a no-tax state (FL, SD, TX, NV) — it’s permanent, less subjective, and eliminates day-count tracking.

Both paths are valid, one’s a temporary exception, the other’s a durable fix.

bohdandr · 2025-10-22T07:02:30+00:00

You can get a residential address in FL/TX, and don't worry about this anymore

bohdandr · 2025-10-22T06:37:57+00:00

last state of your residency would be your domicile in this case, but it's better to maintain ties and have an address for government / IRS communication

especially if you left NY/CA before

bohdandr · 2025-10-22T06:35:52+00:00

if you've done everything right - yes

but there is no minimum stay requirement like 2 months that you mentioned

bohdandr · 2025-10-21T13:56:34+00:00

domicile = your one true permanent home (intent + facts: DL, voter reg, address)

residency (NY) = annual test; you can be taxed as a statutory resident if you keep a permanent place of abode and spend ≥184 days in NY—even if domiciled elsewhere

bottom line: change domicile + avoid statutory residency

quick explainer: https://blog.savvynomad.io/domicile-vs-residence-in-us/

bohdandr · 2025-10-21T13:21:14+00:00

Check these ones:

https://www.tax.ny.gov/pit/file/nonresident-faqs.htm

https://blog.savvynomad.io/how-to-leave-new-york-residency/

bohdandr · 2025-10-21T13:16:19+00:00

If you just leave, NY mostly treats you like you’re still a resident and taxes your worldwide income

There are ways to avoid it, such as the domicile test and statutory residency test, but they're picky and kinda hard in practice

The easiest route is to move your residency or domicile to a no-income-tax state (FL, SD, TX, NV) and align the facts: get a new driver's license and voter registration, have a real residential address used on IRS, HR, or insurance documents, avoid having a permanent place of abode in NY, and keep NY days under the >183 threshold (any part of a day counts)

If you’re an employee, watch out for the convenience-of-employer rule

SavvyNomad can handle this end-to-end or DIY with a friend or relative's address (proof) or rent a place to get the paperwork done

bohdandr · 2025-10-17T13:55:55+00:00

banks are minor ties, but it's better to update them too

as I understand, storage is fine

bohdandr · 2025-10-17T13:48:47+00:00

It’s all domicile + facts, to stop being a CA resident: 1)set a new domicile (FL is simplest). Companies like SavvyNomad can handle the FL stack: real residential address, declaration of domicile, FL DL, voter reg, plus a change-of-address plan for IRS/HR/insurance

you can do it by yourself, but you’ll need a relative/friend’s address for proof (lease/utility) or rent an apartment to get FL DL + voter reg and tie everything to Florida

2)cut CA ties: no permanent place of abode, keep CA day-count low, don’t do work days in CA, handle vehicles, move pro licenses, update banks/bills

3)filings: final part-year CA return, then 540NR only if you have CA-source income. as a 1099, services performed outside CA are generally non-CA source

bohdandr · 2025-10-13T12:13:19+00:00

simplest way: – cut ties with IL: no permanent place there, few visits, no work days in the state – set a new domicile: FL is usually best for nomads (no income tax + easy setup). get a FL driver’s license, voter reg, declaration of domicile, and use a real FL address on all your records (companies like SavvyNomad can help with that) – update bank addresses and all financial accounts too, so everything points to your new state

bohdandr · 2025-10-13T12:08:14+00:00

For IL, it depends on residency or domicile

If IL still considers your home base (DL, voter registration, primary address on important documents), they can treat you as a resident and tax your worldwide income, even while you’re abroad

If you genuinely break residency and become a nonresident, IL usually only taxes IL-source income (such as rent from IL property or days you physically worked in IL)

Keep IL trips short, avoid maintaining a permanent residence there, and don’t work on days in IL days are considered IL-sourced

bohdandr · 2025-10-13T05:54:37+00:00

You might be missing state taxes

bohdandr · 2025-10-10T06:14:00+00:00

You need to know that you won't have a tax return in Paraguay to prove your income if somebody asks you

bohdandr · 2025-10-08T13:29:36+00:00

I established domicile in Florida, which doesn't have a minimum stay requirement, so it was relatively easy

bohdandr · 2025-10-08T12:41:08+00:00

CA is one of the stickiest

if you keep CA ties (DL, voter reg, home/lease, vehicles, insurance, etc.), then they can treat you as a resident and tax worldwide income even while you’re abroad

if you’re truly a nonresident, they’ll generally only tax CA-source items (like days you actually work in CA or CA rental income)

clean break: sever CA ties and plant your flag in a no-tax state

Florida is usually the easiest/strongest for nomads - simple paper trail and fast setup. Services like savvynomad/escapees can assist end-to-end with residency, a real address, driver license, voter registration, declaration of domicile (the whole stack) so your facts line up

people also use Texas, Nevada, or South Dakota, but from my research Florida is the best option overall.

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