The Best Places to Buy a Home to Retire

Hello-

With the sub-prime mortgage affecting homeowners and home sales, it may or may not be a good time to buy a home.  However, when the housing market begins to level off, you may wish to consider the following cities that are cited as the best places to buy a home to retire:

* Wichita, Kansas.  With a median home price of $157,000, this city has been listed as one of the most affordable cities to buy a home.

* Omaha, Nebraska.  With home sales averaging $226,000, this city has a low unemployment rate.

* Harrisburg, Pennsylvania.  This city offers homes for $226,000 as well, and is located east of Philadelphia.  Rich in history and cultural diversity, this may be an excellent choice.  Moreover, it’s about four hours from New York City.

* Madison, Wisconsin.  With a price range of $266,000, Madison has a beautiful landscape and is a friendly city.  With its many museums, among them the Frank Lloyd Wright Museum, this is one place you can truly call home.

* San Antonio, Texas.  This city has home sales averaging $172,000.  It is filled with historic sites such as the Alamo, and the people here are warm and friendly as well.

* Indianapolis, Indiana.  Median home prices average $166,000.  Home to the well-known pharmaceutical company Eli Lilly, Indianapolis is also home to the Indy 500, the National Football League’s Colts, and has a diverse culture as well.

* Pittsburgh, Pa.  The home prices here average $149,000.  It is most affordable for retirees.  Home to the Pittsburgh Steelers, it is known for its friendly people and holds its values and traditions close to the heart.  This is a great city for families.

* Dallas, Texas.  At a median price of $205,000, Dallas has the most jobs and housing of all the cities listed.

* Tulsa, Oklahoma.  For $158,000, you can buy a fantastic home in Tulsa.  It has a booming economy due to the energy industry, and is a beautiful place to live with its parks, historic sites, and gardens.  Touted as a great place to raise a family, Tulsa is very affordable in today’s housing market.

If you are considering buying a home that is in foreclosure, take some time and research this method.  Buying a home in foreclosure can create more problems than necessary.  As stated earlier, it may be a good idea to give the housing market time to settle down.  In the meanwhile, you can research the aforementioned cities in depth to determine if they are right for you and your family.

Thanks for reading!

-Adam

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Best Places Retire

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Retirement relocation tips

Ah, many dreams yet to be fulfilled! And you have kept those secured for those days after you and the Mrs. retire? The first thing your wife has demanded is of course relocation. And now when you are actually nearing to that phase of life, are you sure about where you would relocate?

This is indeed a matter of concern and you just can’t do away with it. Because where you are living in now is very well tuned with your way of living. You have a known periphery and most things are within your reach. Now once you decide to change your habitat, you will have to first make sure about the nitty-gritty of that place. Again your purpose of relocation should be fulfilled.

As for the two of you, it is going back to the lap of nature after a through and through urbane life for the last 30 years. For you the reason might be different but one thing is mandatory that you will have to consider these factors before you hunt for that ideal place you have dreamt of throughout your life.

Make the checklist first

You must be sure of what you want and what you are exactly looking for. Go for the ‘haves’ in a crystal clear manner and you find that the ‘have-nots’ are easily resolved. This actually makes it quite determinant about the selection of the location.

What you must find out are the pros and cons of that area. Maybe it is very peaceful and will provide you with a tranquil solitary. But at the same time it is so far from the main city that you can neither access immediate medical facilities nor bank accounts and many other such important things. So should you go for this? If yes then what are the alternatives you have thought of to access these facilities?

Match the differences

Now whenever you are out for a vacation tour in a far-off land, you just take it for granted that this is what you look out for when you retire. But keep in mind that retirement and leisure are not synonymous. Retirement is a stage of your life and vacation is a very, very small period that might come to you in the course of your retirement also.

So first distinguish these two aspects and decide upon the place you want to live in your post retirement days. You are already above sixty and you need more care and concern. If these aspects are not fulfilled even a heaven-like place may turn foul for you.

Social ties and accessibilities

However you may feel prior to retirement that you just want to enjoy the moments alone. But for many people this leads to depression and disease. You start feeling lonely and isolated after a few days of enjoying the isolation you so longed for. What you then look for are solidarity and fellow mates to keep yourself engaged. And once you have relocated in a distant place, you can’t change it so easily again. You are helpless and left without any choice.

The Final Note

The area where you want to relocate to – be it North or South Carolina, Georgia, Florida, or Arizona – it must fulfill your interests and needs at the same time. Make sure it has plenty of activities to keep you active and keep your brain in top notch shape. Don’t take a decision out of impulse and get entrapped in the pitfalls later. Instead give it a solid rethought, also consult with other family members, don’t ignore your kids’ ideas and then go for it.

Best cities to retire in the US

Best cities to retire in the US:

TAMPA BAY, FLORIDA
Florida has many fine places to spend a restful retirement.

But if you don’t define retirement as golf, white belts and canasta, then Tampa Bay is the place to go to kick-start a second (or third) act.

Says Katee Tully, a recent transplant to the area: “This is a rich, fertile place for people who are reinventing themselves.”

A former associate dean of continuing education at the City University of New York, she’s now on the board of The Studio@620, a community performing-arts center.

Deb Talbot, 56, a former Chase executive in New York, is now well connected in Tampa Bay.

Says Talbot: “I wasn’t ready for typical volunteer efforts.

She quickly arranged to consult for the Tampa Museum of Art, and she works with the Academy for Senior Professionals at Eckerd College, which connects retired professionals with art, literacy and charity groups.

Tampa and Clearwater are surrounded by water and subdivisions.

St. Petersburg has perhaps the best mix of good living, arts, culture and entrepreneurship.

In the early 20th century, city planners preserved the waterfront for public space and marinas.

The dockside vibe still permeates the St. Pete peninsula.

About a decade ago, the low-rise city started an extreme makeover in housing, arts, entrepreneurship and recreation.

Now ten exhibition spots, including the St. Petersburg Museum of Fine Arts and the Salvador Dali Museum, share the city with a dozen performance venues.

Condo developers, recognizing the St. Pete appeal to retirees and young professionals, are building homes at a furious pace.

A one-bedroom condo downtown can run as low as $150,000 in an older building.

A two-bedroom unit in new construction can go for $500,000 or more.

The city of Tampa is a different case.

Downtown is noted for its high-rise office buildings, but it also boasts the Tampa Bay Performing Arts Center, a stylish and massive amalgam of five theaters and 20 studios.

Condos have begun springing up on the outskirts of downtown, and planners see thousands of units and riverfront development reshaping the city.

“We’ll have that urban vibe in five to ten years,” says Christine Burdick, president of the Tampa Downtown Partnership.

If you prefer a house, the early-20th-century homes in chic Hyde Park, south of Tampa, go for about $600,000 for 2,200 square feet.

For the same money, you can buy a recently built, 3,500-square-foot house in the sprawling ‘burbs north, east and west of the city.

The Tampa Bay area seems ready to handle the health-care needs of the coming influx of baby-boomers.

The number of health-care workers per capita is well above the national average, and Tampa’s cutting-edge treatment centers include the top-tier H. Lee Moffitt Cancer Center & Research Institute.

Ybor (say “ee-bore”) City began as a cigar-rolling center in the 19th century and is now a collection of great restaurants, clubs and shops.

It’s within a few minutes of downtown Tampa.

The Arts Center in St. Petersburg features engaging works by living artists.

Hurry and catch the photo exhibition titled “Cracker Country: Florida’s Cowboy Culture.”

In Clearwater Beach, try the grouper sandwich at Frenchy’s Rockaway Grill — an old-Florida-style joint.

HARRISBURG, PENNSYLVANIA

Alfred Baker, a retired U.S. Army colonel, moved to Harrisburg from Berlin, Germany, because his wife didn’t want to give up the four-season climate.

The fact that the Commonwealth of Pennsylvania doesn’t tax retirement income didn’t hurt, either.

Low housing prices more than offset the relatively high property taxes.

Baker’s home on five wooded acres in Susquehanna Township, a northern suburb where the median home price is less than $112,000, is only minutes from the golf course, theaters, restaurants and medical care.

Baker, 66, loves cigars, and he opened Rae’s Tobacco in Strawberry Square, the city’s trendy downtown office-and-shopping complex.

It’s just a couple of blocks from the Susquehanna River.

Each day an eclectic mix of cigar aficionados gather in the shop to fire up a favorite smoke and burn through the subject du jour.

The region’s strong economy has helped foster a thriving cultural scene that includes the Whitaker Center for Science and the Arts — home to the city’s symphony orchestra, led by Tony Award-winner Stuart Malina — and the National Civil War Museum.

The region also supports theater and jazz.

Best Cities for Every Stage of Your Life (Kiplinger.com)

The top 25 places to launch a career, raise a family, retire in style, and more.

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Retire in Florida – Top 4 Florida Retirement Options

Retire in FloridaTop 4 Florida Retirement Options
Floridians have been discovering new options for a comfortable retirement — right in their home state.

Gainesville, Tallahassee and even Miami offer all the essentials of retirement living.

With affordable housing (the median house price is $130,800) and some of the best healthcare in Florida (five stellar university hospitals), Gainesville also offers plenty of intellectual stimulation from the University of Florida and warm, freshwater springs where you can swim, fish and canoe.

The median age here is only 29, but more seniors are scoping it out, thanks in part to Oak Hammock, a life-care community affiliated with UF.

Oak Hammock’s 390 residents pay between $115,000 for a studio to nearly $500,000 for a 2,350-square-foot club home, as well as a monthly fee of $1,100 to $4,300 to cover meals, maintenance and future healthcare costs.

Residents don’t own their homes (and don’t pay property taxes or bills for electricity or cable).

What they’re paying for is any future assisted living they may incur as they age.

In addition to independent homes, the community has assisted-living apartments with attendants, housing where skilled nursing is available for a few days to several months, and a ”memory unit” for residents with Alzheimer’s and similar conditions.

At the 3-year-old community, UF students work in occupational and physical therapy in the rehab center, serve as personal trainers in the fitness center and work as interns in nursing and veterinary medicine.

Students from the university’s music and fine arts department perform regularly, and professors hold classes and lectures on art, law, healthcare and history at Oak Hammock’s Institute for Learning in Retirement.

Keep an eye out for more university-linked retirement communities: The Praxeis Group, the development company that manages Oak Hammock, is planning similar communities in Tallahassee affiliated with Florida State University and in Orlando connected to the University of Central Florida.

The state capital has a revitalized downtown and two major universities.

A three-bedroom, two-bath house will run about $300,000, but seniors here receive an additional $25,000 homestead exemption on top of the statewide $25,000 exemption.

Intellectually, people here are the highest-educated in Florida, with 49.9 percent of the population with either a bachelor’s, master’s, professional or doctorate degree.

(Florida’s average is 22.4 percent, and the national average is 24.4 percent.)

Its image of strip malls and Waffle Houses is quickly fading.

With its proximity to the state Legislature, Tallahassee offers opportunities for consulting and lobbying businesses.

It has its own regional airport and is home to Florida State University, Florida A&M University and Tallahassee Community College.

Listed as one of ”tomorrow’s retirement hot spots” by Consumer Reports Money Advisor, Tallahassee has a senior population that accounts for only 8.3 percent of all residents.

But the number is expected to climb to 16.3 percent by 2030 as more retirees move to the low-priced and low-taxed city.

More and more boomer retirees are shirking suburbia and returning to major urban areas as they seek out more cultural and entertainment opportunities.

They even have a name: ruppies (retired urban people).

Miami is welcoming them with a huge condo market, the Carnival Center for the Performing Arts, a farmers’ market at Bayfront Park, art galleries in Wynwood, a thriving restaurant scene and trendy shopping in the Design District.

Add an international airport, several major universities and the Metromover and Metrorail for getting around, and Miami starts to sound downright desirable.

Miami is listed at one of the country’s 20 best retirement downtowns in the 2006 book Retire Downtown: The Lifestyle Destination for Active Retirees and Empty Nesters, by Kyle Ezell (Andrews McMeel Publishing, $18.95).

The book sings the praises of the Brickell area and neighborhoods west of Bicentennial Park, calling Miami the ”New Hollywood” for the attraction it holds for many of today’s celebrities.

Miami is one of the least-affordable places to live, with 69 percent of its residents spending at least 30 percent of their household incomes on homeownership.

With downtown condo prices in the millions, it only holds appeal for those who can afford it.

The small, civilized town on Florida’s Gulf Coast has 35 miles of beaches, good boating in the Gulf and Sarasota Bay, fine dining (not an early-bird special in sight) and amazing cultural opportunities.

The city has its own opera, a symphony, a film society, a theater scene, lots of art galleries and the Ringling Museum of Art, with paintings by Rubens.

The median house price is $176,100 — and you may find a mid-century gem in the housing market.

The city, which cultivated its own group of mid-century modern architects, is home to the Sarasota School of Architecture.

The style incorporated elements of Bauhaus and Frank Lloyd Wright’s ”organic” architecture.

Sarasota ranked in the Top 5 in a recent AARP report on ”highly livable” towns that took affordability, community life and job growth into account.

There’s Sarasota-Bradenton International Airport nearby, and the local economy is robust, with unemployment a mere 2.8 percent.

It’s also spring training camp for the Cincinnati Reds.

A downside: Snowbirds flock here in the winter, which means traffic can get very annoying.

Halfway between Orlando and Daytona Beach, DeLand is home to Stetson University and a downtown area that has been undergoing extensive renovations in recent years.

”There were lovely old almost-mansions, a college campus, a downtown that was revitalizing, although it was a little rough,” Bland says.

Retire in your own backyard (Miami Herald)

GAINESVILLE

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