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Old 01-12-2018, 07:55 AM
 
Location: Vermont
1,371 posts, read 462,799 times
Reputation: 2022

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Quote:
Originally Posted by theshadow View Post
many folks have to live for many years where there are jobs in their field, or with the same pension paying employer although they would prefer to live elsewhere. Once free from that job obligation, they wish to live in a place of their own choosing. I don't see how that is hard to understand.
truth!
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Old 01-12-2018, 09:32 AM
 
Location: Cochise County, AZ
1,318 posts, read 834,094 times
Reputation: 2869
For me the cost of living was the most important factor when I did my research. I knew that I wanted to move southwest and looked at Nevada, New Mexico and Arizona. Once I had narrowed my search to Arizona, I knew that I did not want the Phoenix area. I had lived in urban sprawl all my life and didn't want this. Now my spreadsheet was narrowed down and I factored in on both COL and summer heat.

When I traveled the 1800 miles, there were three areas in southeastern and one area in central Arizona that I wanted to focus upon when I arrived. I got extremely lucky. There were some places that I found on my first day hunting in the first area that would have worked out all right. I found my dream location on my second day hunting in a different area, everything fell into place, and I'm very happy here!
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Old 01-12-2018, 10:16 AM
 
Location: Vermont
1,371 posts, read 462,799 times
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There is no utopia. But if you are unhappy where you are, it's likely you can improve your circumstances, either in place, or by relocating.
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Old 01-12-2018, 10:16 AM
 
13,318 posts, read 25,554,182 times
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Quote:
Originally Posted by otterhere View Post
One also hears, "Well, wherever you go, there you are; you take yourself and your problems with you."
No doubt, but we're not relocating to escape ourselves or our problems. Sheesh!
...
What some people don't get is that there are many fine places to live but one cannot afford to move there until not needing a job, that is, retirement.

It's like where you live in your working life is some kind of default and there has to be a great reason to leave. Maybe you ended up staying there because you needed to work, not because it's your favorite place to live. I mean, if it were, people would vacation at home, right?

I get that "you're so brave" after people find out that I'm a) going alone and b) don't have family or friends or old friends where I'm going. Brave? I've lived my life alone. It's good not to have to consider another person or the disruptions of moving along with relationship. It's harder knowing that, if you take another person with you, you take a lot of what you need with you (assuming it's at least amiable).

I forget how rooted some people are in "family" and there seems to be an assumption that one should just stay where one arbitrarily started life or ended up. Frankly, I think staying in eastern Mass. is crazy for anyone unless they really really like everything here. So expensive, so crowded.
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Old 01-12-2018, 10:18 AM
 
13,318 posts, read 25,554,182 times
Reputation: 20505
Quote:
Originally Posted by TheShadow View Post
Many folks have to live for many years where there are jobs in their field, or with the same pension paying employer although they would prefer to live elsewhere. Once free from that job obligation, they wish to live in a place of their own choosing. I don't see how that is hard to understand.
^^^^
Exactly.
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Old 01-12-2018, 10:26 AM
Status: "could've~would've~should've used 'have', not 'of'" (set 17 days ago)
 
Location: A Yankee in northeast TN
10,468 posts, read 14,312,551 times
Reputation: 23243
Quote:
Originally Posted by TheShadow View Post
Many folks have to live for many years where there are jobs in their field, or with the same pension paying employer although they would prefer to live elsewhere. Once free from that job obligation, they wish to live in a place of their own choosing. I don't see how that is hard to understand.
Yep, the ties that bind. For me it was the kids schooling. Once the last one graduated I was gone, in my new location within four months of the graduation ceremony.
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Old 01-12-2018, 10:28 AM
 
Location: Middle of the ocean
31,628 posts, read 19,955,234 times
Reputation: 45699
We don't hate where we live, it's Hawaii and it's pretty nice. It's also isolated and expensive.

Why didn't we move sooner? Um, and give up DH's pension? Oh, heck no. We have one of the best pensions of any state. So now he is retired and we are still not moving. Why? We are not leaving until the youngest graduates.

People have lots of reasons for not moving and then moving when their life changes.
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Old 01-12-2018, 12:24 PM
 
Location: NYC
2,905 posts, read 1,585,473 times
Reputation: 7931
I don't hate where I live at all, it has a lot of positives & I have an economical housing situation. Once an elderly parent passes away I have very little in the way of family or friends still left here & my apartment can now fetch the price of a modest house elsewhere. Problem is I am spoiled for choice here for different activities & good healthcare & would prefer not to abandon that just for more house but in a less interesting area.

On the other hand I do see another chapter for me if my health maintains & I am narrowing down the possibilities, down to about 6 now & plan to visit/revisit starting this year. Since childhood I have always had a near obsession with living overseas & 3 of the 6 spots are international, but I wonder if my ways are so set now that the "start over" as an outsider in another culture isn't realistic, although I am focused on large expat spots. But I could stay where I am & be happy to just snowbird as well if financially feasible.
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Old 08-02-2018, 07:37 PM
 
3 posts, read 2,610 times
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What is the income tax rate in TN? Is there a special deduction for seniors? I know hubbys pension will not be taxed there, and property taxes are low compared to Long Island but not sure on the income tax.

Last edited by 2LongIslanders; 08-02-2018 at 07:38 PM.. Reason: typo
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Old 08-02-2018, 09:15 PM
JRR
 
Location: Middle Tennessee
3,677 posts, read 2,224,896 times
Reputation: 5223
The only income tax in Tennessee is the Hall Tax. It is levied on interest on bonds and notes and stock dividends. It currently is at 3% and is going totally away in 2021. It does not apply to assets in IRAs and does not apply to the first $1250 (or $2500 for joint filers).

So, depending on how much non-retirement interest/dividends you get, it may or may not be an issue.
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