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Old 02-08-2015, 05:35 PM
 
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Has anyone retired to upstate NY? Why? Do you plan on staying in NYS? What area in NYS did you retire too? We live in NYS now and in a few years my husband can retire (I already did). He wants to stay in NYS, but I'm thinking of someplace warmer, although I can't tolerate the heat and humidity. Any stories out there? Thanks.
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Old 02-08-2015, 08:23 PM
 
Location: Near a river
16,042 posts, read 18,967,079 times
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Quote:
Originally Posted by countrykaren View Post
Has anyone retired to upstate NY? Why? Do you plan on staying in NYS? What area in NYS did you retire too? We live in NYS now and in a few years my husband can retire (I already did). He wants to stay in NYS, but I'm thinking of someplace warmer, although I can't tolerate the heat and humidity. Any stories out there? Thanks.
The two objections I'd have to NYS are long cold snowy winters and property tax. Taken together, those two things would keep me away. Nice for summering though.
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Old 02-08-2015, 10:11 PM
 
Location: Sacramento
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We took a look at a couple of places in New York State before deciding to retire in California. We looked at the Rochester and Poughkeepsie areas. Though the income tax situation is favorable in New York state regarding pension income, the property taxes and utilities (especially heat) were downright breathtakingly high.

Didn't make the move there, so I can't state more than that.
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Old 02-09-2015, 03:19 AM
 
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I would be concerned about snow removal and ice in such a northerly location. While the old saw about Buffalo having 9 months of winter and 3 months of bad sledding isn't literally true, its not that far off, either. And heating is only going to get more and more expensive.
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Old 02-09-2015, 03:43 AM
 
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give some thought to the fact if you can't drive as you age there is no public transportation.

also few choices in specialists , few choices in medical facilities, nothing to do much all winter .

if you want to work a bit in retirement good luck finding anything but minimum wage jobs.

the maintance on a rural home can be alot of work between lawns ,snow ,gardening and up keep. not something we want to do anymore for the rest of our lives.

we were going to retire to the poconos but sold the house after really thinking about it. it lacked all the things important as you age . we couldn't even get our mail without driving a mile to the development mail boxes.

there is a reason retiring in a city can be more expensive , but it can be well worth the costs as we found out. we are staying right here in queens .

for many rural living sounds nice ,cheap and the way to go , but once reality sets in that needs are different as we age that may not be the best choice.

Last edited by mathjak107; 02-09-2015 at 03:55 AM..
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Old 02-09-2015, 06:48 AM
PDD
 
Location: The Sand Hills of NC
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NYS would be a great place for a lakefront home on one of the Adirondack or Finger lakes but only for the summer.
Seniors should not have to subject themselves to the rigors of dealing with major snowfalls and cold weather.

NYS is my favorite summertime visits and I plan to visit this year.
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Old 02-09-2015, 06:56 AM
 
Location: Ormond Beach Fl
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We relocated to Ca from WNY 5 yrs ago to work our last few years here in the
Central Coast Cali. As our retirement quickly approaches and we will relocate once more, NYS was not a place we would go back to for retirement, even though we were born and raised there and just about all of our family is there. Once we experienced a great non winter climate we realized it has added energy to our lifestyle -- we are not cooped up for 4-6 months of the year! We liked the seasons, but the day to day drudgery of cleaning off the car, driving on icy roads, paying high hope at bills and yes taxes were getting to us as well! We will visit Buffalo and Rochester every year, but not going to live there.... We will be moving to Coastal Florida, which makes the commute to visit family a hell of a lot easier and cheaper. And yes we know about the humidity and heat, but as early morning risers and a pool house located in an area of bike paths and trails, we expect a continuing spring in our step. Our money will go farther in Florida, and after working so hard all of these years we look forward to spending every penny.
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Old 02-09-2015, 10:21 AM
 
Location: Jamestown, NY
7,841 posts, read 7,324,391 times
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Quote:
Originally Posted by mathjak107 View Post
give some thought to the fact if you can't drive as you age there is no public transportation.

also few choices in specialists , few choices in medical facilities, nothing to do much all winter .

if you want to work a bit in retirement good luck finding anything but minimum wage jobs.

the maintance on a rural home can be alot of work between lawns ,snow ,gardening and up keep. not something we want to do anymore for the rest of our lives.

we were going to retire to the poconos but sold the house after really thinking about it. it lacked all the things important as you age . we couldn't even get our mail without driving a mile to the development mail boxes.

there is a reason retiring in a city can be more expensive , but it can be well worth the costs as we found out. we are staying right here in queens .

for many rural living sounds nice ,cheap and the way to go , but once reality sets in that needs are different as we age that may not be the best choice.
Not all of Upstate NY is rural. The bigger Upstate cities -- Buffalo, Rochester, Syracuse, and Albany -- all offer the same amenities to be found in any big metro but at considerably less cost than many bigger areas. The smaller Upstate cities offer most of the amenities, and generally even lower cost. In many parts of Upstate, living in exurbia or in a small town not far from a big city can be the best of both worlds.

I agree, though, that rural living is probably not the best option for seniors unless they're already living in a rural situation. For a long time, I had planned on moving back to my hometown, building a house on a lot carved from the old family farm, and living the country life I left almost 50 years ago. NOT gonna happen. After careful consideration, I decided that moving to a place that no longer had a hospital, had no full-time physician or veterinarian, only a small supermarket, and minimally 25+ miles to get to any of that stuff was not a place I wanted to live in the winter.

The alternative plan is to either rehab the camper trailer or hire Amish builders to erect a cabin with a composting toilet so I can stay there for 2 or 3 days at a time during the spring and summer.

I will be retiring in Upstate NY, BTW. Right here where I am in Jamestown, NY. All the places I have considered as retirement spots have serious drawbacks for me, most notably, hot humid summers or very high COL. I thought about moving further north to the little city of Dunkirk which is right on Lake Erie and on I-90, too, but I like my city, like my house, like my neighborhood, and love my many friends, so I'll stay here. Because of the Enhanced STAR program for seniors, I will pay little or nothing for school taxes, just city/county taxes. I will pay no state tax on SS or on my pension.

Since I'm a gardener, summer vacations are difficult for me to take, so I'll deal with the snow and cold by traveling down South to visit my numerous friends and relatives who retired there for several weeks during the winter and early spring. I already have a list of pet sitters who can keep track of the my kitties while I'm gone, and of course, my dog Tucker will come along with me (pet people tend to clump together with other pet people ). I think I've got a plan.
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Old 02-09-2015, 10:37 AM
 
Location: Southwestern, USA
15,354 posts, read 12,114,801 times
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Stay away from where they get lake effect snow, I'd say...Syracuse
has so few sunny days, also.

Finger Lakes is a big beautiful area...wine country, rolling pastures.
Many small towns...go south enough often to miss huge snows from the
Great Lakes...my opinion.
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Old 02-09-2015, 10:51 AM
 
Location: Idaho
1,451 posts, read 1,153,086 times
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We have lived in Mid Hudson Valley at the southern boundary of upstate NY for the last 23 years. The winter has become much harsher in the last 5 years or so with frequent snow storms and many polar-vortex driven bitterly cold days.

It's a relief that heating oil prices are lower this year. We closed off 2 unused bedrooms and put insulating panels on windows at night. We added extra insulation layer in the attic when we first moved in & our thermostat settings are 68F for day time and 55F night time. Our heating oil consumption is something like 3 gallons/day during the winter month so even with curent cheap price at $2.60/gallons, it costs close to $250/month for heating bill.

Yesterday, in preparation for another big snow storm, we spent most of the day trying to clear about 2.5 feet of hard-packed snow off the roof. My sister gave us a roof snow rake which is quite heavy and awkward to operate. My husband used it to clear about 1/3 snow off the roof the main house. It was very slow and tedious. I climbed on the roof to clear snow off the vent, and decided to shovel the snow off the house addition which is our bedroom. It was much quicker but I had to be extremely cautious.

I just can not see us doing the same thing for the next 5 years let alone the rest of our life!

We really enjoy living in our current home with river, lake, mountain nearby in a home with acreage adjacent to 60 acres of woodland. There are so many outdoor activities to do in spring, summer and fall. We are not into snow shoeing or cross country skiing so snow shoveling is only outdoor activity that we can do in the winter. As we get older, snow shoveling becomes more unsafe especially with the danger of tripping/falling on icy driveway and steps let alone falling off the roof.

So the bottom line is that we are looking to relocate when I retire to escape the high taxes, high cost of living and harsh winter in NY.

Last edited by BellaDL; 02-09-2015 at 11:00 AM..
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