Has COIVD pushed you close to retirement?
4 years ago
last modified: 4 years ago
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Need advice on buying vacation/future retirement home close to be
Comments (21)To clarify some things about our ideas to buy on Isle of Palms - while we're going to hold off on buying, and may not ever buy on the island itself, the area around it seems to be exactly what we're looking for our retirement years. The island is less than 13 miles to downtown Charleston, and only 20 miles to the Charleston Int'l airport. Even closer than Charleston is Mount Pleasant, about 4 miles away (across the Inter-coastal waterway and a marsh), which has plenty of shopping, restaurants, medical care including a decent hospital. In addition to wanting to live close to the ocean, we want to live near good medical care (this is most important), shopping (I'm not going to stop doing DIY projects on any home I live in until my body gives out - it's my hobby), airports, etc. I love the beach - every vacation we can we go to a beach - we've visited many of the east coast beaches over the years - I never get tired of it. My husband loves salt water fishing. We have a boat that he takes onto the Chesapeake Bay all the time to fish, and we go tubing on the Potomac River with our grown kids and grand kids (who are still very little). We've planned on retiring to as close to the (right) beach as possible for at least 20 years and I think it's safe to say that we're not going to change our mind about that between now and when we actually retire. And I definitely don't want to ever live someplace rural again - did that as child and have family still there - definitely not for me. Even if we were young I don't want to live in a place where there aren't plenty of doctors, including all types of specialists, and I don't want to live someplace, where if one of us was in the hospital, the other would have to drive over an hour back and forth. I'm honestly surprised at how many people I know who retire who don't care about that aspect at all. So - given what we know we want/need, we've been considering all the areas close to the Atlantic between Wilmington NC and Jacksonville FL. A few years ago we visited every place that even seemed to come close to what we want. But when we were looking before our income and savings were a fair amount less than they are now, and housing costs and interest rates were higher, so it limited where we would be able to afford to buy, so we didn't consider some of the areas we could afford now. And this is a retirement place we're talking about - being able to vacation in it before retirement is a bonus. We could wait until we retire to buy, but as I said in the original post, I don't want to miss an opportunity to buy while the prices are low AND the interest rates are low. But I do think we need to slow down and take our time - visit and stay there during different seasons, including the heavy tourist season, and make sure that it's what we want. We may find that living on an island/beach itself is not that great and that we should go back to what we always considered to be our only option - living on the mainland, but close to the beach. People seem to think that prices will be low for a while - I don't want to buy and then see prices drop even lower - and that interest rates will be low for a while too. So I realize that there is no rush - but I still don't want to kick myself years from now for missing any "deals of the century". I know this was long - sorry about that - but I think my first post gave the impression that the whole idea of buying at/near a beach, and this one in particular, was hurried and not thought out. While rushing into it right now is undoubtedly a bad idea, I don't think the concept of buying a home sometime soon for retirement in a few years, if the prices and interest rates are really low now, is a bad idea....See MoreDo you plan to move when you retire?
Comments (33)I have been thinking a lot about comfort zones since Katrina. People refused to get on planes to go to states with low unemployment rates, and inexpensive housing so I asked myself where I would be willing to go. I am from Washington State. I would be pretty comfortable going to Oregon, Idaho, Colorado, Montana, the Dakotas, and Arizona. Anything else seems too far away, too foreign, too unfamiliar. I think this carries over into retirement planning. I couldn't go to Georgia because it is too far away. Until it got too expensive, people from Washington who wanted a warmer climate when they retired went to Caifornia. Now it is Arizona and Arizona is where I plan to go. It seems to me that people in the Northeast are more likely to stay on the east coast. I don't know what people in the heartland do. Do you go to Texas, New Mexico or ? Part of it is that I don't want to be more than a 3 hour plane ride from my children, but I think there is more to it than that. There may be very little difference from one state to another, but I don't know that and something in me seeks the familiar. Coming from a "blue" state, I will settle into the only "blue" county in Arizona. I would like to be more adventurous, but I always find myself seeking out the familiar. Someone I knew years ago had moved to Washington from the east coast. She said that it was so important to her that television was the same everywhere. Some people derided her comment because of her reliance on television, but I think I know what she meant. Once while visiting in South America, I found myself watching Plaza de Sesamo (Sesame Street) just for the familiar characters....See MoreClosing date pushed back
Comments (3)Sounds like a huge communication issue ... you shouldn't have closed on your condo until you could also close on your dream home ... your Realtor should have helped coordinate the closings. And call your LO or his Manager, and get them to do something about the appraisal. Start yelling loudly!...See MoreHas anyone gone back to work after retiring?
Comments (24)In June, it will be six years since I retired. My days are so busy that I often wish there were a few more hours in each day. I love that I have reached the stage in my life that I am finally in charge of me and no longer report to or answer to anyone else. Not having to live by the clock or calendar is something else I value highly. I do have my small (make that tiny) jewelry business which keeps my busy designing, creating and doing other things involved in running a small business. This yer i am going to spend more time on marketing. I have thought about volunteering, but currently don't have the time. That may come later. Some of my former co-workers (mostly teachers) have gone back to teaching part time and really enjoy it. Everyone is different and should do what works best for them. You have nothing to lose by giving it a try. If you don't like it, you can always go back to full time retirement. Good luck to you!!...See More- 4 years ago
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