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OT - Retirement Question

are there not frequent earthquakes in Ecuador?

Only about a dozen of notable force over the last couple of centuries. I haven't
compared the data to California.

The political climate was rambunctious a while ago, but that seems to have settled down in recent years. The people are lovely, as is the country. There is no need to worry about currency conversion, as the official legal tender has been the U.S. dollar since the year 2000.
 
Was there a reason you moved to Orlando, after you painted a glowing review of Greenville?
Grand children. No place compares to them. Also I've taken 5 strokes off my golf game, although Greenville has nicer courses ;)
 
Ever live in the west?? St George, Utah is a place I've always liked - its in the desert, hot but dry - lots of retirees in the area - great jumping off point for hiking, rafting, photography etc.

My spouse was raised in Connecticut and I grew up in Western Mass, but we moved to Dixon, California in the late 80’s. We moved briefly to the Seattle area in 2005 thinking we might retire there, but we couldn’t stand the weather. We eventually moved to St. George, Ut. in 2010 while I continued telecommuting full time to my employer in Washington. Officially retired in 2012. Except for the conservative politics and the sometime overbearing influence of the LDS, it’s a great place to retire. Cost of living is excellent and year round outdoor activities are abundant. As a tennis player, I can play 52 weeks a year, but make no mistake, June-August are brutal when temperatures routinely reach 100+. In the summer most people confine their outdoor activities to mornings.

For hikers and campers, Zion is a 60 minute drive and Bryce is only a few hours away. For lovers of night life, Las Vegas is 1.5 hours away. There are more golf courses in the area than people!
 
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Just moved from there to Orlando and really miss the place. Outstanding downtown. Lots of restaurants with sidewalk dining. Low crime great schools. Top Level College Football (Clemson, USC) Some of the best small colleges in America. Have I bored you yet. Mountains, Hiking white water kayaking. Large lakes. I can do more if you want ..... oh I here the ZZZZZZZZZZ's

It's a shame you had to move, now that I'm here we never plan to go anywhere else. Absolutely love the area.
Great location if you plan to buy a house too. Get much more bang for your buck and the taxes are so cheap. Live just outside Greenville and pay only $1800 a year for 3400 sq ft house on 4 acres. I can't imagine what that would cost in Ct:eek:
 
FL property tax isn't cheap either though it is based only on real estate not cars boats. The weird thing is they do not assess properties, it is all based on sale price of the property so two identical houses on the same street can have wildly different taxes if one is a recent purchase and the other was bought 20 years ago.

The insurance can fluctuate based on distance from the ocean and flood assessment, but it is definitely higher than most places and after every hurricane most of the private insurers disappear and you end up with a gvmt sponsored plan

Bingo! The Pacific NW is fabulous. It's beautiful, plenty of space, temperate climate, absolutely everything you can imagine. I suggest Portland, the best city I've ever lived in. People are friendly, open, welcoming (except to Californians). Abundance of culture, little crime, close to the ocean. Food is superb, especially the abundant fish. Cutting edge ecologically. The only thing Portlanders haven't captured for recycling is sweat. Sports! Professional basketball, women's soccer league, minor league baseball. Close to Sue Bird and Megan Rapino. What about the rain! I never minded it, and everything grows profusely. Did I mention the country's largest bookstore? Coffee! I'm tripping over myself extolling this wonderful city. Check it out . . .

(Am I replying to the wrong post?)
 
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Ever live in the west?? St George, Utah is a place I've always liked - its in the desert, hot but dry - lots of retirees in the area - great jumping off point for hiking, rafting, photography etc.
I liked Cedar City too.
 
Retiring to Saco Maine. same basic house (near ocean) worth just a bit more than here and taxes 20% lower on house.

so much to do.. even in winter. in summer we have a drive in, beach, river, 3 theme parks, state forest, 3 miles from Old Orchard. Lot of culture. In the winter Old Orchard has organziation that does events all winter, progressive dinners on trolleys, new years eve on beach and much more.

Being close to medical is important. we are 10 minutes from good hospital. have used health a few times and they have been pretty good.

Local radio and tv stations actually show high school girls basketball games.

On the down side. The darn winds off the ocean in the winter.
 
I liked Cedar City too.

Because it’s nearly 6000’, Cedar City tends to be a bit cooler in the summer, but they’ll definitely get some modest snow in the winter. St. George has only had 1 snow storm in the 8 years we’ve been here and it was gone in a day or two.
 
Retiring to Saco Maine. same basic house (near ocean) worth just a bit more than here and taxes 20% lower on house.

so much to do.. even in winter. in summer we have a drive in, beach, river, 3 theme parks, state forest, 3 miles from Old Orchard. Lot of culture. In the winter Old Orchard has organziation that does events all winter, progressive dinners on trolleys, new years eve on beach and much more.

Being close to medical is important. we are 10 minutes from good hospital. have used health a few times and they have been pretty good.

Local radio and tv stations actually show high school girls basketball games.

On the down side. The darn winds off the ocean in the winter.

That’s something I neglected to mention in my earlier post about St. George. We have top notch medical facilities and because of the high number of retirees here, many cater to medical issues related to aging.
 
Bingo! The Pacific NW is fabulous. It's beautiful, plenty of space, temperate climate, absolutely everything you can imagine. I suggest Portland, the best city I've ever lived in. People are friendly, open, welcoming (except to Californians). Abundance of culture, little crime, close to the ocean. Food is superb, especially the abundant fish. Cutting edge ecologically. The only thing Portlanders haven't captured for recycling is sweat. Sports! Professional basketball, women's soccer league, minor league baseball. Close to Sue Bird and Megan Rapino. What about the rain! I never minded it, and everything grows profusely. Did I mention the country's largest bookstore? Coffee! I'm tripping over myself extolling this wonderful city. Check it out . . .

(Am I replying to the wrong post?)

Perhaps you didn’t get the rain we got

We lived in Monroe, Wa. northeast of Seattle, in what’s called the ‘convergence zone’. We averaged 58” of rain per year. Our house sat on a half acre with about 8000 sq. ft. of lawn and another 9000 sq. ft. of planting beds. In the summer I needed to mow my lawn twice a week and even though it rained rarely from June to September the lawn never dried out, which meant wet grass clippings sticking to the mower housing. I could usually only mow about a 50 ft. long strip before stopping to remove the wet clippings. Took 4 hours to mow my lawn. Can’t even begin to total the hours spent on hands and knees weeding our planting beds. Our property was gorgeous, 32 rhododendrons, several flowering trees, roses, camellias, etc., but it was an incredible amount of work.

Great seafood though!
 
We found the biggest part of moving out of CT was doing our research/ due diligence on what we wanted for a house/ community/ availability of shopping/ medical/ restaurants and entertainment. Once we had those lists we booked ourselves into communities for their "Stay and Play" deals. Usually 3 days and 2 nights of staying in the community, getting the sales pitch for new builds, and getting a feel for the lay of the land. Most important was talking to current residents and what they liked and didn't like about the community. And evaluating the level of activity in these communities. We did this for 4 communities. We kept a detailed log of all of it. We also had a realtor here in Florida to communicate with. We were not going to build a new house. We wanted resale.

Our whole process took 3+ years, including selling our former house.
 
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New Hampshire..."Live Free or Die" state...no income tax, no sales tax , no cap gains tax....fantastic quality of life with skiing and ocean.....Portsmouth is a gem, Exeter has all the activities of Phillips Exeter Academy, Hanover is a great town.....the best part is that every four years you're likely to get a knock on your door by someone running for president....people take the whole first in the nation primary responsibility very seriously
 
I retired this year and we are happily staying here in Middlesex County. We can walk to the library, movies, dozens of restaurants and the hospital. I did have to shovel our roof today, but we are really blessed by having our kids really nearby and a grand on the way. My son told me that any State school is free if you are a geezer (over 62) so here’s your chance to go back to UCONN. I always dreamt of going back to school, so this is my chance and I started my first class this term!
For a Bronx Boy Connecticut is pretty nice.
 
One thing I have heard from a few that have moved elsewhere. Try and spend up to a couple of months in the area where you may move to, if you can afford it. Get to know the community a bit etc. I have heard from more than a few that while the temperature, etc was nice, it was really lacking some things they wanted.

I would also say, I lived in the Rockies of Idaho. It was absolutely beautiful. the towns were small 400-3,500 but every town was self containted and had just about everything you could want. mountains one side and the snake river for beach on the other. The NW is a wonderful area of the country. can get hot but a dry heat.
 
One thing I have heard from a few that have moved elsewhere. Try and spend up to a couple of months in the area where you may move to, if you can afford it.

Great advice. A lot of little things you might not notice in a short visit may accumulate and be, in the aggregate, deal breakers.
 
Bingo! The Pacific NW is fabulous. It's beautiful, plenty of space, temperate climate, absolutely everything you can imagine. I suggest Portland, the best city I've ever lived in. People are friendly, open, welcoming (except to Californians). Abundance of culture, little crime, close to the ocean. Food is superb, especially the abundant fish. Cutting edge ecologically. The only thing Portlanders haven't captured for recycling is sweat. Sports! Professional basketball, women's soccer league, minor league baseball. Close to Sue Bird and Megan Rapino. What about the rain! I never minded it, and everything grows profusely. Did I mention the country's largest bookstore? Coffee! I'm tripping over myself extolling this wonderful city. Check it out . . .

(Am I replying to the wrong post?)

You do know the official slogan of Portland don't you? "Keep Portland Weird" and there is little doubt it's a good slogan for Portland what with the continuing onslaught of Californicans . That old saying about the more things change the more they remain the same is sadly not true. Portland still ranks high on liveability ratings but she's a changing.

On the Californians thing, it was shortly after we retired here in SW Montana that I saw my first bumper sticker of this kind: Keep Montana Safe Kill A Californian But my favorite was: Save The Last Best Place Kill A Developer. Turns out Californians and Developers were synonyms.
 
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We bought a house about 30 mins north of Tampa after talking with a lot of friends that had done the same, pre-retirement, but would never have picked FL if we didn't know anyone in the area (and if a friend wasn't desperate to sell). Making friends is a HUGE challenge, as the older you get, I think it's harder to find and cultivate friendships. We are in a 55+ gated community, but we've not made many friends within the gate yet (after being here almost FT for 4 yrs), as we still have a very active social life with our pre-FL friends outside the gate, however, we've started to get to know a few neighbors. I am a bit younger than hubby, so it's interesting that I'm one of the younger in some of our social circles, and find it difficult to relate at times. I am probably very amusing to some of our neighbors, as being one of the newer and younger residents. I have finally made a few girlfriends my age, which helps all of us deal with the "more mature" crowd. LOL.

Our daughter and SIL came down here over 2 years ago and she struggled with relocating, with limits to work and recreation as a mom of three toddlers. She finally found a gym catering to women/moms, and it has made a world of difference for her. So I guess that's my way of saying that friends and social/activity circles are incredibly important.

From a $$ perspective, we appreciate the lack of income tax, no property tax on vehicles, and the homestead exemption in FL which gives each owner $25K credit on value of home, as long as you are a FL resident. We still spend 3 months in CT to get out of the heat and visit family and friends, however that will probably come to an end within next few years, as we're finding more reasons to stay in FL.

TPA is a pretty decent airport and has added a bunch of improvements over last few years. We are about 45 mins from the bay, 30 mins from the gulf coast (west), and close enough to "old FL" to still see farms and cattle, however I'd bet in next 10-15 years, those will be gobbled up by huge housing developments. As much as we miss some of the northern seafood, we love being close to the gulf. Right now, we are in a weather pattern that fluxuating high 60s to 70s during the day, and 40s to 60s at night, so I still get to put jeans and a sweatshirt on every once in a while. :)
 
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Speaking of airports, when we arrived her BZM (or is it BZN) had 3 gates and a big bronze grizzly bear in the lobby. It was cozy and homey, though your luggage didn't exactly hit the carousel with lightening speed. Now BZN is an International Airport with, drum roll, 11 gates I think. It's full of polished stone and has a huge fireplace you can sit beside in winter. Our Griz moved a bit, but he's still here, and there is more art splashed around and airport that is always clean. A cup of coffee costs too much. We have more carousels, but the luggage still can be puzzlingly slow. Still, it's a small regional airport and flight options are no many and there are no deals to anywhere but Vegas and those planes you don't want to get on! A second separate runway (the first is sorta an X) is going in this year to take the private traffic which is vast, both Pipers types and jets, jets, jets of the rich and famous.

You don't want to come here. Stay away! I mean to live of course. Come on vacation and bring lots of dough.
 
Great advice. A lot of little things you might not notice in a short visit may accumulate and be, in the aggregate, deal breakers.
Good advice.

While we may move ourselves due to family issues, not a bad idea to look at Texas. 105 degrees in summer, but you save so much you can afford to go back to Conn, Maine, NH, etc. We figure we save over 30% over New England and have more to do than anywhere we ever lived in the past near Boston.
 
Good advice.

While we may move ourselves due to family issues, not a bad idea to look at Texas. 105 degrees in summer, but you save so much you can afford to go back to Conn, Maine, NH, etc. We figure we save over 30% over New England and have more to do than anywhere we ever lived in the past near Boston.
My sister-in-law and her hubby retired from NJ to Austin (well, he retired, she works remotely from home). They did what a couple of folks describe, lots of research, lots of data and home listings - remotely - for a couple years, before going out and finding the right area.

Conversely, my wife and I checked out areas we visited on WBB trips (plus, I traveled to select cities for my work). But once we decided on Tucson, while we did accumulate some home info through a real estate agent, we actually came out, went out 2 days with him, and made our decision.

Both my sister-in-law in Austin and us in Tucson - very pleased. So there is no single process to follow.
 
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Now I'll give you a serious plug for Bozeman, MT area, where I live. No sales tax, but who is to say what tomorrow brings. Yes, up to 6.5% state income tax. Got a lot of complicated health issues, stay away, because some of those are best handle elsewhere. If you like the outdoor and your soul needs feeding, consider it. Making friends, no matter where you are, is as easy as you make it, no matter your age. There are adult groups everywhere, and certainly here in a wide range of hobbies/activities.

Bozeman has been rated high for quite a while in those magazine/internet best places to retire. Had nothing to do with what got me here about a decade before that benighted publicity started pounding us in my paradise, Gallatin County. Fish, horses and wide open spaces (room to make a big mistake...ooops, I digress into Dixie Chicks), a sky astronomers die for, the mournful cry of a coyote and the western wind singing you a lullaby. Plus about every big box store and bad food franchise you can name. Oh, and there is just 1 place in the valley that makes a decent bagel. There is no good Italian restaurant within 400 miles minimum, but Bozeman is a University town growing and full of ethnic restaurants that come and mostly go like the wind. Theatre production, music, adult education etc is here.

Irritable old bugger that I am I mostly hang out with the antelope and mule deer and try to avoid the pumas, lynx, bobcat, and coyote feeding parties. Love to see and hear those buggers from a distance.

Please don't come. We have enough of us here now. ;)

PS. Cost of living in certainly not cheap and real estate is only cheap by CT standards.

One of my sons moved to Missoula, and is very happy there. University(where my son teaches) town, weather not much different from ours in Mass. , not far from spectacular Glacier Park, 7 Starbucks, great fly fishing, and one of the few "blue" parts of the state.
 
I know this is a weird question but I'll ask it anyway. I'm a few years away from retirement but I constantly get asked where I want to move when I retire. I have no idea. Is it bad to stay in CT? I don't like the heat, but I also don't love the cost of living or taxes in CT. If I did move I'd go north. Any suggestions?? I'm alone so I'd need a place I could make friends.
We lived in Sherman for years and, finally, tired of the winters. Florida is only inhabitable for about 8 months of the year, but Southern California is always 72 degrees and sunny. So we chose the LA area. As to making friends, that is never easy. Especially if you hope to replicate the deep, long-standing friendships you have previously enjoyed. I changed my expectations on that one, and am satisfied with making some acquaintances with really interesting people. And you can get UCONN Lady Huskies on TV out here with Direct TV as your provider. Best of luck.
 
One of my sons moved to Missoula, and is very happy there. University(where my son teaches) town, weather not much different from ours in Mass. , not far from spectacular Glacier Park, 7 Starbucks, great fly fishing, and one of the few "blue" parts of the state.

Nan, Biff, JS may be unhappy with you about the color of Missoula, but you are probably aware that Montana U has had years of declining enrollment, layoffs and early retirement programs in an effort to right size and the stronger emphasis on the humanities has been labeled as a significant factor in the decline, as opposed to Montana State U in Bozeman, which is science and technology oriented growing out of its humble ag college beginnings. But Missoula is an absolutely a great place to live, breathe, hike, fish, kayak etc etc etc. Bozeman also has that color thing going on. ;)
 

That's a very generous definition of "town" - small cities maybe, towns not so much.

BTW: In an earlier post I suggested, in jest I hope you know, that you can come the SW Montana to visit, but please don't come to live. I hear a radio ad on our ESPN Radio station today that tells me it is too late to stem the tide of "civilization" down in our corner of the state - Bozeman now has two, count em two, Malibou Tan Tanning Salons.
 
So, if someone did want the warmth, do any of our Floridian Huskies have anything to say about Jacksonville vs Tampa? My husband and I are starting to look. We’d continue working so we’re interested in job prospects, etc, as well as the social aspects.

The advantage is Jacksonville in the summer for overnights in the 60's, for comfortable early mornings.
If gardening is important, though, be aware that north Florida always has hard winter freezes, whereas some winters Tampa would escape them altogether.
 
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