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Old 07-13-2015, 05:36 AM
 
Location: NC Piedmont
3,911 posts, read 2,883,191 times
Reputation: 6291

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Quote:
Originally Posted by OverItAll View Post
In response to (appreciated!) suggestions:
Too young for senior housing of any kind (will be 52 this month).
Too poor for those with HOAs and lot fees.
Am in an apt and if I stay in one my money shall run out; if I buy at 30K cash I have no more "rent", versus $500/mo rent forever until I kick over. At 30K that's 5 years of rent then "free and clear" except for taxes which on these crappy places is low (less than $500/yr).
Some of the 55+ communities in FL are following guidelines that require 80% of homes to have at least one resident over 55 so it is worth asking if they could accept you. Even though you are doing it on a shoestring, I am still jealous. I am nearly 5 years older and have another 6-8 to go. If I didn't have so many responsibilities (started late with kids; still have high schoolers) I would definitely make the trade off of living simply to be able to retire early.

 
Old 07-13-2015, 10:37 AM
 
43 posts, read 199,810 times
Reputation: 39
Default Retirement lists / meetup

Don't know if you ladies are still interested in talking about all of these things (retirement / community living / locations, etc.) as these posts are now about 7 years old.

However, I am just now reading them today and I am finding them very interesting.

I am not very far along in my "retirement" search in terms of figuring out where I would like to live, etc.
I am in my early sixties and still working; I live in NYC; do not want to be here anymore for a variety of reasons; but job is here. So I will be here until job is no longer here. Which could be soon. So I occasionally think / dream about what I would like: which would include:

- living in a type of community with like-minded people (for me that means fairly open-minded; I have a spiritual focus but others do not have to).

- NOT being in a large city; being close to nature; having space (outside and inside)

- I don't want to be anywhere too hot or too cold. I am fairly liberal but I can live anyplace that is not super-conservative.

- I like either the desert or green spaces, either/ or. Do not like places too cold or with excessive rain.

- Have also been considering living outside the US (i.e., Mexico or Costa Rica or Ecuador / maybe Panama).

So anyway these are my very preliminary thoughts.

If anyone is still interesting in pursuing this type of dialogue, I would love to hear from y'all.

From the big city,

Michele
 
Old 07-13-2015, 11:53 AM
 
Location: NC Piedmont
3,911 posts, read 2,883,191 times
Reputation: 6291
Quote:
Originally Posted by urbantraveler View Post
Don't know if you ladies are still interested in talking about all of these things (retirement / community living / locations, etc.) as these posts are now about 7 years old.
It's a sticky thread that stays at the top so people won't keep starting new ones on the same subject. It has close to 800 pages now and the last few pages are very current. I always click on "last page" to open this thread and then maybe go back a page or two.
 
Old 07-13-2015, 12:13 PM
 
Location: CO/UT/AZ/NM Catch me if you can!
4,743 posts, read 4,378,456 times
Reputation: 10403
Quote:
Originally Posted by urbantraveler View Post
Don't know if you ladies are still interested in talking about all of these things (retirement / community living / locations, etc.) as these posts are now about 7 years old.

However, I am just now reading them today and I am finding them very interesting.

I am not very far along in my "retirement" search in terms of figuring out where I would like to live, etc.
I am in my early sixties and still working; I live in NYC; do not want to be here anymore for a variety of reasons; but job is here. So I will be here until job is no longer here. Which could be soon. So I occasionally think / dream about what I would like: which would include:

- living in a type of community with like-minded people (for me that means fairly open-minded; I have a spiritual focus but others do not have to).

- NOT being in a large city; being close to nature; having space (outside and inside)

- I don't want to be anywhere too hot or too cold. I am fairly liberal but I can live anyplace that is not super-conservative.

- I like either the desert or green spaces, either/ or. Do not like places too cold or with excessive rain.

- Have also been considering living outside the US (i.e., Mexico or Costa Rica or Ecuador / maybe Panama).

So anyway these are my very preliminary thoughts.

If anyone is still interesting in pursuing this type of dialogue, I would love to hear from y'all.

From the big city,

Michele
Well, I'd be interested, although the place(s) I'm considering are pretty much the opposite of yours. One warning I would give about the "desert" by which I assume you mean the American West, is that we are running out of water out here, and not just in California either. You may want to consider the possibility that water for lawns and pools could very well be rationed with higher utility rates. Some people don't care for this and want their bluegrass lawns. If this is not a factor the West can be a great place to retire to. I love it out here. Just curious - why would you consider places like Panama or Costa Rica if you don't like lots of rain?

Now me, I've been living in rural areas for a large portion of my life. Unfortunately, my old truck finally gave out - cracked block, and I can't afford to replace it on my small income (I'm 63, but I became disabled at the age of 50 and had to apply for SSDI which means my social security check is pretty small). So, now I am considering cities which have good mass transit systems, affordable housing, a lower crime rate and close proximity to a good specialist and/or medical research center where they actually know how to treat my condition. That's another thing I would caution you about: You may be feeling like a 20 year-old at the moment, but stuff happens and you don't want to end up getting treatment in a rural clinic or a litttle town somewhere in Ecuador. Trust me on this one. Where I now currently live way out in the sticks, I'm 300 miles from the nearest specialist, and I've had to settle for treatment from the quack one town over.

I too am more of a liberal and I am a spiritual person although I see no need to affiliate myself with some official religion. Despite these last two things, I am seriously considering a move to Salt Lake City. The conservative, LDS aspect of the town does give me pause, but Salt Lake has one of the finest treatment centers in the country for my disability, and its specialists are on the cutting edge of research and treatment. The housing there seems to be reasonably priced and Salt Lake has been putting in an award winning mass transit system. Crime in Salt Lake is much lower than in other cities of around the same size, too. Denver would have been on my "A" list - it too has great medical care and fantastic mass transit. Plus, I know the city, having gone to college there and worked there for several years. Alas, Denver has become the third fastest growing city in the US and the price of housing reflects this. That's a deal breaker for me.

I'm a little nervous about moving all by myself into the big city after having spent the last 10 years living outside of a small town of 8,000 souls. It's going to be a major lifestyle shift for me if I do it. I haven't made any decisions yet, but I've been researching Salt Lake on the Internet, and I'm hoping to make a preliminary visit there and stay at a friend's place and do a little sight seeing. We shall see, I guess.
 
Old 07-13-2015, 01:26 PM
 
4,575 posts, read 7,067,487 times
Reputation: 4227
Default I thought you said Virginia was as "South" as you wanted to go?

I know, I know...but I've had to open myself up again to at least exploring other options because no place is really "speaking to me" at all right now. So I've done some more research on Florida (Gulf) and Texas. A lot of Californians move to Texas so I figured I might as well check it out. I realized the Dallas/FW area is really too big for me so I've crossed it off my list!
 
Old 07-13-2015, 01:42 PM
 
Location: Central NY
4,685 posts, read 3,254,622 times
Reputation: 12007
I was all set to move to Winston-Salem, NC when reality hit me in the face and I realized I can't afford the expenditures associated with moving. And here where I've lived almost all of my life in central NY state, the weather here has been very hot and humid. So had to look for my "smart" hat and realize the south just won't do for me. I love New England having visited there many times. My nephew lives in northern VT where it is so beautiful and only a few miles from Montreal. So for now, I'm not jumping in my car driving somewhere to see if I can find an apartment. My income would be fine if it weren't for the high bills I have. My two loans will be paid in 4.5 years. And two credit cards I need to stop using. At 73, I think of how much older I'll be and will I have the strength/ability to make a major move. I need to "cool my jets" and think about it. Do some research, etc.

I wish you much good luck in your research and decision making.
 
Old 07-13-2015, 02:09 PM
 
141 posts, read 127,641 times
Reputation: 316
Quote:
Originally Posted by loveautumn View Post
I know, I know...but I've had to open myself up again to at least exploring other options because no place is really "speaking to me" at all right now. So I've done some more research on Florida (Gulf) and Texas. A lot of Californians move to Texas so I figured I might as well check it out. I realized the Dallas/FW area is really too big for me so I've crossed it off my list!
The Dallas/Fort Worth area is really broken down into neighborhoods. You can have the size "circle of comfort" you need.

I left there 12 years ago and am very excited about returning. I've lived in the Seattle area and I've been cold and miserable for the majority of time here.

Everything here is so expensive, from gas to housing, traffic is a nightmare, an hour to go anywhere...so I know that DFW will be better economically and given the luxury of being retired, I can go before/after rush hour. I so look forward to the warm weather (yes, even 100 degree days) and clear skies. The Pacific NW is just downright depressing to me.
 
Old 07-13-2015, 02:20 PM
 
Location: NY>FL>VA>NC>IN
2,524 posts, read 998,341 times
Reputation: 5345
Urbantraveler, I don't know if this is your sort of thing but check out TWIN OAKS COMMUNITY in VA.
It's a planned community-commune-that fits every criteria you listed.
I'd consider it myself if I got along with people but I am truly socially inept.

Colorado rambler, I would love love love to be in a city with mass transit so I can give up having a vehicle.
I thought being low income as I am and you are would preclude this; living in a big city seems unaffordable for me.
Can you give some more details as to your budget? Mine is: 30K max to buy a house.
I'm going to go look up Salt lake City now...
 
Old 07-13-2015, 05:39 PM
 
13,325 posts, read 25,586,246 times
Reputation: 20520
[quote=Colorado Rambler;40394077] That's another thing I would caution you about: You may be feeling like a 20 year-old at the moment, but stuff happens and you don't want to end up getting treatment in a rural clinic or a litttle town somewhere in Ecuador. Trust me on this one. …


Oh, Rambler, I just checked into this thread after a long time not checking, and your post appeared like magic. I have, of course, followed your discussions on the Colorado forum and here in Retirement and just recently started up my daydream (plan? dream?) of retiring to a small town in the San Juans, which I love. Your post reminded me of why I haven't already planned to go there in retirement, and while I don't currently have any disability, I know that aging in a place that is totally car-dependent and far from facilities is probably not in the category of "plan."

I think SLC would be good for your needs, and there are still the beautiful mountains there. Offhand, I think it is much more cosmopolitan than people give it credit for, despite the big LDS presence. I must say, I think Utah and the LDS areas are very… orderly. I mean that in a good way. Utah's financial state is, I'm told, very sound and it is low crime, as you point out.

I look forward to good reports on your thinking and actions.
 
Old 07-13-2015, 05:59 PM
 
Location: CO/UT/AZ/NM Catch me if you can!
4,743 posts, read 4,378,456 times
Reputation: 10403
Quote:
Originally Posted by OverItAll View Post
Urbantraveler, I don't know if this is your sort of thing but check out TWIN OAKS COMMUNITY in VA.
It's a planned community-commune-that fits every criteria you listed.
I'd consider it myself if I got along with people but I am truly socially inept.

Colorado rambler, I would love love love to be in a city with mass transit so I can give up having a vehicle.
I thought being low income as I am and you are would preclude this; living in a big city seems unaffordable for me.
Can you give some more details as to your budget? Mine is: 30K max to buy a house.
I'm going to go look up Salt lake City now...
Well, you'd have to be pretty well off to live in the heart of Salt Lake, and naturally it has exclusive neighborhoods just like any other city. But I'm told that the areas near the university and the Air Force base are safe, affordable, and have an interesting mix of people. I got some pretty good replies to my thread on the Salt Lake Forum. Check it out if you're interested.

I am looking to rent rather than to buy. I can spend as much as $900/month for a 2 bedroom house or apartment. If you're buying, $30,000 is a pretty low price even in Salt Lake. But check out Zillow and the rest of the real estate sites on the Web. You never know...

I am extremely fortunate in that I have a Housing Voucher because I am very low income and have a disability. Due to budget cuts, Housing Vouchers are as scarce as hen's teeth these days. But there is also affordable housing made available in various parts of Salt Lake where you don't need a voucher. The Housing Authority rents some very nice looking apartments (going by the pix online) to low income individuals and families. If you click on the link I gave, it will lead you to a variety of other programs and who to call - names plus phone number. You may have to get on some wait lists, but it doesn't hurt to try.

Best of luck to you in your quest for a new home!
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