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In Reply to: RE: Never mind... the inflation is just 1.5% posted by tweaker456 on July 17, 2021 at 06:39:56
Most retirees I know bought the house years ago and at this point only pay real estate taxes and insurance on housing so prices of tomatoes isn't a worry.
Follow Ups:
Plus the energy costs, maintenance, repairs, etc, etc, etc.
A paid off mortgage is not a key to financial security.
most of them, are living off their Social Security benefits. If their property taxes are going up, it's dumb to worry about: it means their properties are ACCRUING. They can always sell at a greater profit than otherwise and relocate a bit further out.Taxes are what we pay mainly for education and police protection (non-federal).
It is good to know what life was like in those olden day "free" frontier towns, my friend. Murder rates in those macho, all-male societies have been estimated at 7% of a town's population. Things stabilized when the citizens got together and pooled resources to hire police. Yes, those were a form of taxation.
Edits: 07/17/21
No but being mortgage free helps. There is a book, How to live well with no job and nearly no money. The main component to the formula was no rent.
My comments were directed to someone who is retired so can live wherever he chooses yet lives where he can barely afford the rent and complains about the price of tomatoes.
In some states people pay $15K a year for a modest home - and that is more, than 50% of a maximum SS benefit.
That is about as much as we paid for our mortgage.
I understand that. Some people live in the wrong place/state. If the job doesn't pay commensurate for the location, you have the wrong job or live in the wrong place. People aren't forced to live or work where they do.
As somebody who has spent his entire adult life renting apartments/condos I'd hoped to buy a small house to live in for the rest of my now geezoidal life. That's now impossible for us anywhere near NYC even though we now have a fair amount of money (money/investments, no pension worth mentioning and minimum SS). Yes, we could move to another more affordable state, but some people - including us - consider the political/social situations in MANY states to be a prohibitive factor.I'd no sooner move to a state like Texas or Wisconsin (just as examples) than gouge my eyes out. I'm sure some "conservative" inmates would not wanna live in liberal states like NJ/NY/CA. Being an inter-racial couple factors into it for us also. We're not sure where the hell we'll end up but staying in the NYC metro area for the rest of our lives is not feasible.
We'll eventually find a place/state/area that's a decent fit for us - Europe is a possibility for us too - but I don't view moving to be as easy/simple as some people seem to think it is.
Edits: 07/17/21
is a pain, but *politics* was never a factor for us. It was driven by a career move for my wife that also worked for me.I just have no desire to live in an urban setting, one with extremely high taxes or one where I cannot target shoot because the place is afraid of law abiding citizens.
I'm visiting Chicago this weekend to help a nephew move in who's going to a downtown college. Nice place to visit with lots to do, but...-
Bi-racial couples are readily found in the South, too. I can think of three of wifey's pharmacist friends who are different Asian-Black-White combinations.
Edits: 07/18/21
Target shooting? Where may I ask would you be unable to find places to do that? You'd have no problem finding ranges in a liberal bastion like the NYC area.
semi-auto rifles and pistols with high capacity magazines you don't constantly have to refill are OK?
Then why all the hand wringing about the need to ban such?
A practical consideration to all military related ammo - even if introduced a hundred years ago- is they are inexpensive to relaid.
Don't believe I've ever posted about banning those weapons, though it does seem ridiculous to me that anybody'd want them. I would welcome such a ban but to me the main issue is keeping weapons outta the hands of the mentally ill and people who post their violent intentions on social media.
In some states. I have zero tolerance for irrational feel good-do nothing measures to appeal the uninformed.
The misnamed Cliton Ban from 1994 (based entirely upon cosmetic features) has proven to be useless.
'misnamed Cliton Ban from 1994'
yes, you did
; )
has to do with inaccurate terms.
Great music scene, liberal, college town. Even real estate in Texas is getting expensive. With cash and investments, wait until that market crashes, it could take a few more years. Take the time to explore options.
My in-laws are in N. Carolina and it's so full of Yankees that I hardly hear a southern accent there anymore.
-Rod
I did briefly ponder Austin. I know there are some liberal enclaves in a number of red states, but its the state guvs that make it pretty close to outta the question for me.
It is easy to travel when you are single and have a job that is transferable.
It was easy for me to move from Canada to Hong Kong as I had no wife or kids and moving from a town of like 4,000 people to a metropolis of 7.5 million and for far greater pay for the same job - it was practically a no brainer. It also helped that as a kid we moved around a lot having spent each grade in a new school.
But if I had a wife and kid(s) then I would not choose to live here in HK.
One thing to note though - all the major cities vote liberal. People who live in cities tend to be more educated and more worldly and ultimately less fearful and fear leads to racism. In cities, people work with brown people, get to know them, and are then less fearful and see through the news making them out to be the bogeyman. The fear networks are powerful but the majority of city-dwellers have more exposure to different kinds of people.
Of course, at a state level, you are still under the control of crazy racists like Abbot and Cruz who represent the overall majority of "people" who live there.
Moving abroad isn't so easy - Many countries require a certain amount of money in your savings account or a degree in a field that country requires. The advice I give to my students here is that Hong Kong can not stand up to China - they have the tanks. You can't free Hong Kong. It was never free even under the British. So you have to free yourselves. And that is through wealth and/or education. If you are rich you can move anywhere in the world - countries like taking in people with money. If you have money your passport is gold. Otherwise, you need a degree in a field that other countries need such as engineering, IT, medicine, science. The softer fields like home care. Filipinas will get work in Canada with a certificate in home-care because most people don't want a job cleaning up after the elderly or the sick.
As an American - I think Canada is your best bet because it's not that far away - you can always drive over the border and visit your family so in terms of proximity you are nearby. Furthermore, culturally it is similar. Similar music and movies and TV etc. Same sports are popular. Other than free healthcare and the metric system (and Canadians know both) you really don't have much of a stretch. Some provinces see a large amount of Americans applying for work.
This is a helpful video
I agree, moving isn't simple at all. People probably end up where they are because that's where their parents brought them or due to work. People have family or kids and it all gets complicated. Somewhere in this thread, my point was that if the job you end up with doesn't pay well enough to live where that job is, maybe it isn't a good fit.
When my wife and I were working, it made sense to live where we did. My wife's job required her to live within 20 minutes of the hospital where she worked. My job was also about 20 minutes away. After we retired, it no longer made sense to live in the city, so we moved to a much quieter area that we like. I was pleasantly surprised to find that our homeowners insurance was reduced by around half and that our car insurance dropped by about a third. It would be a long commute from here, but we don't have to commute.
Even in retirement, we didn't want to move too far from our kids. That's a personal decision. Being able to work remotely is shaking up where some people choose to live lately.
The City-Data forums are an excellent resource for people searching for new residence. Organized first by state and then by major cities, people who actually live or have lived in those places will answer your questions, often with comprehensive detail. Archived posts are often the way to do your research (just like here at AA when researching audio gear). Link below.
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Family, for instance. No one is arguing that moving is often the best option, just not always.
"The main component to the formula was no rent." I will either have to purchase the book that that genius penned or move in with you so I can live for free. Can I live upstairs 2000 so I don't have to hear foot steps? I would also like you not to listen to your stereo unless I'm not home. See ya soon.
"The loaded carry does more to expand athletic qualities than any other single thing I've attempted in my career as a coach and athlete. And I do not say that lightly." Dan John
I found that out after I bought it. The author was self educated through 12th grade at her local library. She raised her own vegetables and rabbits for protein. She made a still to supply her alcoholic dad with booze. She later earned a PHD. What she says isn't a hypothesis. It's a true story. It mirrors some of my experience. You probably wouldn't like it.
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