Categories
Active Adult Housing Plans

Age in 55+ Community

Rather than aging in place in the suburbs, the boomer (me & you) could sell our large suburban home and move to a smaller, maybe more efficient livable home nearby.  I doubt we could make any money from our equity swap if we are paying cash for the new retirement home, but at least we would be in position to enjoy life without the larger property taxes, insurance and property maintenance expenses, traffic and no one home during the day.

Maybe the new place would be in a 55+ community with plenty of activities so we could meet some new friends.  It would be one level with livable design features already in place. Wouldn’t this make life much better for people who are retiring.

Originally posted 2020-09-10 08:43:28.

Categories
Wyoming

Remote Possibilities: Dubois Wyoming

“I wish we had known we wanted to move here 5 years ago,” my new neighbor Karen said rather wistfully a few days ago. “But we didn’t know!

She was speaking about one of the most remote places in the middle of nowhere: the town of Dubois in the upper Wind River Valley of Wyoming. Like so many who have chosen to retire here, Karen and her husband came once on vacation, returned and returned again, and gradually fell in love. Others have fallen in love right away.

When my husband suggested actually moving to Dubois rather than just visiting, the idea seemed crazy and impossible. Leave New York City for the wilds of Wyoming? But it’s only wild in a wonderful and different way, and 8 years on I’m deeply grateful that we moved here.

How is Dubois remote? It’s more than an hour’s drive to the nearest big towns (Jackson, Lander, and Riverton), and 3 hours to the nearest Interstate. Most of the surrounding terrain is public land, much of it officially wilderness, owned by the US Forest Service, the US Bureau of Land Management, or the state of Wyoming. By one standard, a survey from the US Geological Survey, is only about 40 miles away as the crow flies from the most remote spot in the lower 48 states, in the southeast corner of Yellowstone Park.

Nonetheless, we do have many of the advantages that residents from Washington DC, Chicago, even Paris and Stockholm may consider essential to the good life. Dubois has a choice of good restaurants with different cuisines, two places to buy a latte or cappuccino, and two taverns. It also has world-class Internet service, thanks to the fact that the head of the local telephone company was a prime mover in the national effort to bring broadband service to rural areas of America. (Telecommuting is a distinct possibility: I worked from Dubois for a large international corporation for 8 years before I retired, and others here also have Internet-based careers.)

Surrounded by some of the most spectacular vistas in the American West, Dubois (it’s pronounced “dew-boys”) is home to a diverse mixture of active and very interesting people who are deeply committed to maintaining what we love about this village of 1,000 residents that swells to 2,000 in the summer:

The variety and beauty of the landscape: Situated near the Continental Divide, we live about an hour’s drive from the south entrance to Yellowstone Park, on the ecological dividing line between high Alpine forest and red rock badlands. We are surrounded by two major ranges of the Rocky Mountains, the Absarokas and the Wind River Mountains. This may be the only place on earth where you can see all three mountain-building processes (tectonic, volcanic, and sedimentary erosion) from one location.

The nature of the community: A combination of the traditional independence of the American West and the vitality of its newcomers, Dubois’ community is deeply self-reliant and also welcoming. Generally, people here don’t care what you used to do or the size of your bank balance; they care how you relate to your neighbors. We mind our own business but respond quickly if someone is in trouble. What’s more, the proceeds from almost any event in town (and we’re ferociously busy in the summer!) go to local charities.

The history: The first visitors to the area were the trappers who opened the West. Next came the hardy homesteaders and then the tie hacks who cut logs that supplied the railroad ties that opened the rest of the West. Butch Cassidy lived and owned property here. One of the best preserved gold-mining ghost towns in the US, South Pass City, is an easy day trip away near Lander. A recent and surprising discovery atop a nearby mountain, the remains of a Shoshone village, inspired a curator at the Natural History Museum in New York to call Dubois “the epicenter of Rocky Mountain archaeology.”

The activities: We may live in the middle of nowhere, but we have plenty to do. Artists, photographers, and musicians gravitate here, so weekends are busy with jam sessions or performances by musicians, art or photography shows, speakers about history or archaeology at the local museum, an eye-popping quilt show, or pack-horse or chariot races. You might join the tourists at the weekly square dance or rodeo. It’s often difficult to set aside time for what you might really want to do instead: fish, hike, golf, or get away in your camper.

The climate: The Shoshone natives settled here centuries ago partly because of the mild climate. We call it the “valley of the warm winds,” sheltered from wintry blasts by the Tetons over near Jackson and our hovering wedge of local mountains. Summers in Dubois are cooler and more pleasant than elsewhere in Wyoming (or almost anywhere). We often find the winters more temperate and tolerable than back in New York City. It may snow sideways for four days, but then it all blows away.

The economics: Real estate prices are modest. We traded a small 3-bedroom second home in Connecticut for a very large 4-bedroom log lodge with a cathedral ceiling. We don’t find prices of necessities any higher than anywhere else. There’s no Macy’s or Nordstrom’s, but we do have a Family Dollar.

The downsides: Dubois has only a part-time doctor, a full-time nurse practitioner, and a dentist. It takes over an hour to drive to a specialist or a hospital (but that could take just as long in New York City). Shopping is limited (but now, of course, there’s the Internet and FedEx). US mail generally takes a day longer than in a large city. The produce in the supermarket in winter is often disappointing, and you may have to wait for your next trip to Jackson if your recipe calls for chipotle-flavored mayonnaise or dried seaweed.

About this time of year, my husband and I begin to discuss exactly when we should head back east to spend the holidays with the rest of the family. I anticipate my return to New York City with pleasure, because it’s a chance to relax in a place where nothing ever happens (that I can’t miss) and where I hardly know anybody (after four decades). Before long, I’m dying to get back home to Dubois.
(Read more about daily life in Dubois at www.livingdubois.wordpress.com.)

Dubois WY

Originally posted 2020-09-01 05:01:07.

Categories
Blogroll Retirement Plan

RETIREMENT RELOCATION COSTS

Today let’s look at the financial costs to retirement relocation that needs to be considered if you are pondering the question whether to stay put or to move to greener pastures when you retire.

Cost of housing is a factor, maybe one of the largest, if you need to keep an eye on your nest egg. And who doesn’t? I wouldn’t think most people would relocate from a less expensive area to a more expensive area, it’s probably the other way around. Unless it is to a resort area maybe. Consider how much you can get your current home and properties if you are an owner.  More than one person says it is a great idea to rent first in the new location, just to see if it going to work out for you before you buy. If you buy right away before learning the area and then need to move, then the property selling expenses could be a huge expense.

Proximity to family and friends.  This certainly is a major consideration, if not financially, then for other obvious reasons. This might be proximity to children, which is the case many times, or proximity to a parent(s).  One second thought, I guess there is a financial considerations with the cost of travel for visits, having to hire a nurse or sitter in case of medical emergencies when you can’t be close. etc. Having relatives close by to help you out on occasion saves you money too.

General Cost of Living: You can get this info from the Census web site.  On your visits to scout out the new area you will observe how the routine daily expenses compare to your current location. 

State and location property taxes:  If you buy, then this should be looked at as a significant financial consideration.  Another factor to consider is does the new location have an school property tax exemption for seniors?

State and local Income Taxes:  This has traditional been a major factor in relocation to Florida and other states with no state income taxes. However now many states have tax benefits for seniors.  Georgia has an exclusion for retirement income.

Weather and utility cost: Compare average utility costs and which utilities are needed.

Insurance costs may vary.  When I moved from the metro suburbs to a small town I found my car insurance was higher.  You would think less traffic would mean lower car insurance costs, but it’s the opposite.

Eating out may be cheaper in a small town compared  to city or suburbs.

Entertainment.  If you retire to a small town you may spend more of your time enjoying outside activities.  If you move to one of the Active Adult Communities, many activities are included.  This may be a savings. Senior Centers also  have many free activities and these days many are very nice.

Originally posted 2020-09-10 08:55:59.

Categories
Maryland

Best Small Towns to Live in Maryland

Maryland small townMaryland Small Towns

With four seasons this New England state of Maryland has several small towns  which we consider the best to live or retire in. Here are three towns from our list of the best small towns in Maryland.

1. Easton

Located along Maryland’s eastern coast, Easton has approximately 10,000 residents and is know for its excellent health care system and its cultural activities including a historic theater and art venues.  Easton offers four seasons and a variety of outdoor activities. The Chesapeake River offers a nice location for sailing, fishing or boating and the town presents seven scenic golf courses that are noted throughout the region as some of the best holes in New England. The Eastern shore offers retirement and 2nd homes as well.  Chesapeake Active Adult Living Community, a Del Webb 55 Plus community is located in Easton MD and should be checked out if you are 55+.   Easy commute to Washington DC, Baltimore and Annapolis from the Eastern Shore.

2. Crofton

The town of Crofton was originally a gated community that surrounds a large scenic loop that encompasses two elementary schools, a country club and a town hall. One year Crofton was named one of the 100 Best Places to Live in the US.  The Crofton Parkway is designed for bicyclists and joggers who long for outdoor exercise and fresh air offered in Crofton. The area is a safe community with an exceptionally low crime rate. Crofton is only thirty minutes away from Baltimore MD which makes it a desirable place for city dwellers wishing to slow down a bit. Crofton’s population is about 28,000.

Photos of Tilghman Island, St. Michaels
This photo of Tilghman Island is courtesy of TripAdvisor

3. Tilghman Island

Another desirable small towns along Maryland’s eastern shore lies the picturesque town of Tilghman Island, the so-called Pearl of the Chesapeake Bay.  The area is considered to be unspoiled and a place where one goes to unwind and relax. The town is filled with quaint spots for shopping and dining, City walk sightseeing, the Tilghman Watermen’s Museum and is a working watermen’s village with excellent fishing, an excellent retirement activity.  Take a visit to Tilghman Island for a peaceful getaway to check it out.

See our page for the top 7 best smalls towns in Maryland for more towns to consider.  Also check out our Maryland Retirement Communities to see 55+ communities in Maryland.

Originally posted 2011-12-02 23:49:29.

Categories
North Carolina

Best Small Towns to Live in North Carolina

With a temperate climate in the east due to the Atlantic Ocean and a mountainous climate in the western areas with temperatures rarely rising above 80 degrees Fahrenheit in the summer, North Carolina has a lot of natural beauty that makes it a great place to consider for people wanting to live in a small town.  With technology, banking, health care, and agriculture making up a good portion of the economy, North Carolina has gone through rapid changes in demographics and living arrangements.  Most people now live in the major urban areas like Raleigh, Durham, Charlotte, and Greensboro.  However, there are still many small towns that are attractive to live in that don’t give up bigger city amenities just to have peace and quiet.  Ten of the best small towns to live in are listed below.

Originally posted 2020-09-06 12:08:28.

Categories
Small Town Living

Small Town America Parades

Small Town Parades

Nothing shows the great community spirit of small town America more than a parade. Small towns love a parade. People come to town to see floats, bands and drill teams, military flag team, antique cars, trucks and tractors, and clowns, Shriners, politicians in old cars, grand marshals, beauty queens,  flatbeds, boats, maybe a fire truck with Santa Claus aboard at the end of the parade.  The crowd at parades are festive and everyone is having fun. Small towns have parades for Fourth of July, Old Soldiers Day, Thanksgiving, Christmas, Founders Day and other occasions.

These photos were taken in Richmond Hill Ga by Mathew Rodocker and Robert Fowler in Johns Creek GA.

small town America parade
Small town America Holiday parade

shriner parade
Shriners on motorcycles are in many small town parades

boy scouts at small town parade
(r) Boy Scouts and Cub Scouts in parade

Santa on firetruck
Santa on Fire Truck comes at the end of the parade

clown in parade
(r) Clown in parade

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Listen to Johns Creek GA band in this small town parade.

Originally posted 2013-12-17 22:00:27.