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Old 11-22-2015, 09:02 AM
 
Location: Blue Ridge Mntns., NC
10,844 posts, read 15,144,732 times
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Quote:
Originally Posted by abcef View Post
Hello
My family and I are starting to research places for possible retirement in NC. Not necessary looking for a large city. Our activities varies somewhat. We are into summer & winter sports. Looking for a place that maybe 1.5 hours driving to the beach, about the same maybe a bit longer to the mountains. We recently visited Asheville NC love it, bit of a drive to the beaches. There is 1 in-law who will need an elder care community. We are planning our search early not wanting to wait until the very end. Noting large, something that is manageable, with access ability to summer,winter activities.
Much Thanks in advance.


Lake Norman, beautiful, near Charlotte. 2 hrs. to Hendersonville from CLT.


Also, Lake James, near Morganton.


Smith Mountain Lake, just over the NC border in southern VA. Beautiful and not far from mtns.
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Old 11-22-2015, 09:10 AM
 
Location: Southport
4,639 posts, read 4,814,440 times
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Quote:
Originally Posted by QuilterChick View Post
Lake Norman, beautiful, near Charlotte. 2 hrs. to Hendersonville from CLT.


Also, Lake James, near Morganton.


Smith Mountain Lake, just over the NC border in southern VA. Beautiful and not far from mtns.
Charlotte: 4 hours to the beach.

Lake James: 5 hours to the beach.

Smith Mt. Lake: 4.5 hours to the beach.
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Old 11-22-2015, 09:29 AM
 
Location: Blue Ridge Mntns., NC
10,844 posts, read 15,144,732 times
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Well there is NO way to get mountains and the beach in the same package; and there is obviously no way to get to the mountains in 1.5 hrs. from the coast.


It is at least a 7.5 hr. drive to Wilmington from Asheville/Hendersonville areas, and another hour if folks want to go to the Outer Banks. I'm sure the OP can figure out time and distances on MapQuest.


From Hendersonville we can be in Charleston SC @ Isle of Palms e.g., in an easy 4 hrs., and it's a nice pleasant drive.
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Old 11-22-2015, 06:04 PM
 
2,361 posts, read 2,662,077 times
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Flat Rock was settled by Charleston residents to avoid the Summer heat.
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Old 11-23-2015, 04:38 PM
 
Location: Richmond,VA
3,218 posts, read 2,085,424 times
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Quote:
Originally Posted by mlhm5 View Post
Flat Rock was settled by Charleston residents to avoid the Summer heat.
I thought it was Summerville SC?
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Old 11-29-2015, 12:06 PM
 
295 posts, read 173,443 times
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We are in a similar situation as the original poster. Thought about NC, but now are exploring VA (not northern) for retirement. Does anyone know the retirement benefits on NC vs VA. I think taxes might be more appealing in NC, but convenience might be better near Richmond - Hampton Roads area.
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Old 11-29-2015, 01:44 PM
 
Location: Southport
4,639 posts, read 4,814,440 times
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Originally Posted by elizabeth224 View Post
We are in a similar situation as the original poster. Thought about NC, but now are exploring VA (not northern) for retirement. Does anyone know the retirement benefits on NC vs VA. I think taxes might be more appealing in NC, but convenience might be better near Richmond - Hampton Roads area.
What do you mean by "retirement benefits"? What might be more convenient in Richmond/Hampton Roads versus NC?
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Old 11-29-2015, 02:55 PM
 
295 posts, read 173,443 times
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Sorry. We are in the process of decision making and one factor is taxes on retirement income. We didn't know if VA or NC offers better incentives in that regard. Just beginning this journey so lots of questions.
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Old 11-29-2015, 03:58 PM
 
Location: Sneads Ferry, NC
11,258 posts, read 19,796,017 times
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Quote:
Originally Posted by elizabeth224 View Post
Sorry. We are in the process of decision making and one factor is taxes on retirement income. We didn't know if VA or NC offers better incentives in that regard.
If your tax picture is complicated, I think you ought to purchase one of the books comparing the retirement taxes in the different state. It makes a difference if you have a federal pension versus private 401K income, whether you have capital gains, etc.

Although Social Security is not taxed, North Carolina is not particularly friendly to retirees. Our retirement pension income is taxed at the same flat rate as everyone else's income. However, we live primarily on our Social Security, and only paid $11 in state income tax last year.

I can't keep up with the taxes in Virginia either, but my gut feeling is that income tax is worse in Virginia than in North Carolina. Property taxes vary widely, but the Tidewater area was generally quite high on property taxes (almost as bad as Maryland).
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Old 11-29-2015, 04:07 PM
 
Location: Southport
4,639 posts, read 4,814,440 times
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Virginia has a partial exemption of pension income for state income taxes. As noted above, NC treats pensions as regular income. Neither taxes social security.
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