Retirement in the North Georgia Mountains

More of my friends are retiring to the North Georgia mountains. See why here

north ga mountain view from deck at Big CanoeWhen it comes time to retire in Georgia, many people just look North to the Georgia Mountains, a short distance from Atlanta.  You are still in your home state and can easily visit the metro Atlanta area to visit friends or attractions.  Also you can get to know the new area where you will be living full time even before your move by making frequent visits to get to know the area.

We have two sets of friends who have done just that.  Time and David bought a foreclosure in Big Canoe, a wonderful mountain community about one hour north of Atlanta.  David does home rennovations so it has been perfect for them to fix it up and even thought they have been working hard on the house for almost a year, I think they really enjoy going up to the mountains and enjoying as well as working.  We went up on July 4th to see the fireworks at their mountain home and fell in love with the place.  They are not planning on moving their full time just yet, but are up there just about every week. There are many 55+ communities in Georgia but most are on the edge of Atlanta and not that far up in North Georgia.

The other couple, our friends Jim and Jean retired to the North Georgia Mountains.  Knowing they would like to move to the North part of the state, Jim got a transfer to the Gainesville office a few years before his retirement date.  This put them in a perfect situation to go ahead and move up to Banks County Georgia, where they built a perfect retirement home with screen porch overlooking a stream on five areas. This worked out so good Jim even delayed his retirement since he almost felt he was retired.  This transition to a new area by relocating his job worked out for the best.

Jim and Jean visit us in Alpharetta or we just meet in Gainesville for dinner, half way for each for us. Really it is not harder to get together with them now than it was when they lived in DeKalb County in the metro Atlanta area.

They both like living in the North GA mountains even though there are some inconveniences.  Jean says the water supply line has broken many times to their home and the major just keeping making repairs rather than run new lines that are needed.  She says he has a “small town mind” about things and just looks as people like them as complaining “wealthy people from Atlanta”, which she says they are not.  However building a barn and getting a horse, chopping your own firewood from your property and just listening to the crickets perform a symphony from your swing on your screened in porch makes in all worth it.

Jim and Jean knew what they wanted and went for it.  I know I and others who envy them.

As an update to this post, Mary Ann and I retired to Northeast Georgia area in Braselton and love living in the Del Webb Over 55 Community there. We are close to Gainesville and Buford.

Small Towns in Texas | Best Places to Live

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Cuero Texas

Texas is one of the largest states in the U.S. Due to this fact; it stands to reason that Texas has a variety of different cities and townships that operate in a variety of ways. The state of Texas has many metropolitan areas that attract hundreds of thousands to millions of inhabitants to the metro area. Texas is also made up of a large number of small, unique towns.

Some small towns in Texas are the epitome of the American experience. Small town living has many advantages, and at the top of the list is the feeling of being one large family. Small towns in Texas often have families who have been in the community for decades or more. It is also easy to get to know new -comers in a small Texas town. If you are looking for a homey, family feeling community, small towns in Texas are a good place to start and here are some we like. Continue reading “Small Towns in Texas | Best Places to Live”

Best Small Towns to Live in North Carolina

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

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. Continue reading “Best Small Towns to Live in North Carolina”

Best Small Towns to Retire in Colorado

Points out some of the best small towns to live and retire in Colorado. If you want to take a look outside and be in constant amazement whenever you do, then Colorado is definitely a place to consider retiring to.

Did you recently retire and you are looking for a really great place to retire to?  Maybe you will be retiring soon and you are looking forward to some peace and quiet after a lifelong of working really hard.  For a lot of people, they opt to retire in places like Florida where it is warm and sunny all year round.  Still, it is good to be open to other options because there are many places in the United States that are definitely looking into.  Colorado happens to be one of them and before you start thinking that retirees generally do not like skiing, these are some things that you should know about the place. Here are nine of the best smalls towns to live in Colorado. Continue reading “Best Small Towns to Retire in Colorado”

Georgia Income Tax Exemption for Seniors

State of Georgia Income Tax – Retirement Income Exclusion for 2018

*Currently in Georgia at age 62 citizens may exempt all retirement income from state income tax.

You don’t have to be retired, just have retirement income which is defined as follows.

For the purposes of this paragraph, retirement income shall include but not be limited to interest income, dividend income, net income from rental property, capital gains income, income from royalties, income from pensions and annuities. Up to $4,000 net business income earned by an individual from any trade or business carried on by such individual, wages, salaries, tips, and other employer compensation, shall be regarded as retirement income.

Here is a link to the State of Georgia Department of Revenue about the Retirement Income Exclusion.

This is a major benefits for the state of Georgia seniors and anyone considering relocating to Georgia.  We applauded Governor Perdue and the state of Georgia for passage of this benefit for the seniors of Georgia. This will be a boost over the long terms to the senior community of GA.

*This is our understanding of the Retirement Income Tax Exclusion for the State of Georgia Income Tax. Please check with your tax professional to verify and see how this effects your personal situation. This is not income tax advise.

Small Town Retirement Options – Serenbe Community in Georgia

Serenbe Community in Georgia, south of Atlanta, may be a good small town retirement choice. See the housing photos of our visit to this residential community here.

Bosch house at Serenbe Community

Yesterday my wife Mary Ann and our neighbors Scott and Dawn set out to visit the HGTV Green House for this year.   We drove from our Johns Creeks Georgia home down to the southside of Atlanta, then another 20 miles out in the countryside to the Serenbe Community. Here are some pictures and information about this wonderful community. Continue reading “Small Town Retirement Options – Serenbe Community in Georgia”