Anonymous wrote:

Anonymous wrote:I’m not retired, but a mid-30s widow. I took a leap and moved to one of the Georgia sea islands after my husband died. I started out looking for a condo and ended up finding a perfect little bungalow a block from the water. I grew up in the north and I can tell you that I regret nothing about being warm year round, living on island time, the wonderful people. I’d take a drive down the coast and find a city or island you like, then consider the real estate options. Some areas trend toward certain options.

Sounds nice, but what do you do for work?

I continued working for my Atlanta-based company, although my job has changed from BD to global acquisitions. I travel about 50% of the time (which was the case living in ATL as well) and am otherwise remote. There’s something like 11 flights back to ATL daily, so connections aren’t an issue and my life is a vacation every weekend.

For the other person who asked, we have a mix of people who go into the city for work, fisherman who leave out on boats for a week to month at a time, about half the island is retired, and the others are in the service industry. The Port of Savannah is a fairly major shopping port, so a decent amount of work there, as well as the Port of Brunswick. Gulfstream and Daniel Defense also manufacture here.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have a winter home in the old part of Naples right near the beach. It is beautiful with amazing sunsets almost every evening. It’s a very moneyed town and while some exhibit it obnoxiously most people are pretty laid back midwesteners. I’m a moderate dem and I’m in the minority but it’s rare when I run into a hard core MAGA person. Up and down the gulf coast of Florida are wonderful small towns. I’d avoid the southeast coast as it is overrun and crowded. And avoid July through September although DC is August is pretty awful too.

I’m also in Naples. Love it here, but only stay for the winter. We bought a small condo on the beach and enjoy a beautiful sunset almost every evening.
I’m a moderate Republican and would never think to argue politics with you. Everyone is entitled to their position.
We summer in the Finger Lakes region of NYS which, culturally, is more like the mid-west than the east coast of the US. Many people in SW Florida are midwesterners and the ones I’ve met have all been wonderful people.
You’re right, there is a LOT of money here but no one throws it in your face other than the many nice cars people drive. When we’re out on the beach money doesn’t matter.

The point isn't about arguing. It's about being forced to socialize with and be surrounded by people whose fundamental values are so different than yours. I don't want to be around bad people, period, and Florida is full of them. The state voted for Trump for god's sake.

"The State" didn't vote for anyone. "The State" is made up of voters. And 4.5 MILLION people voted for Hillary Clinton, while 4.6 MILLION people voted for DJT. Honestly, I think the people of Florida are better off (IQ-wise) with you staying OUT of Florida.

That voting result was a difference of 1.2 percent of all votes cast. [b]So, if it bothers you that there were 1.2% more Trump voters than Clinton voters, then good luck navigating life.[/b]

It bothers me a great deal, actually. That's 4.6 million Trump voters! And I'm navigating life just fine right with the DMV as my retirement home base and traveling all over the world -- except for Florida and the rest of Trump country

I don’t want to off-road this topic but Florida has so many liberals. Tampa and Miami are so liberal. Tampa has a lesbian mayor. It’s not really Trump country. We have a second home in Miami and I’m always in shock. We are Republicans and sometimes are afraid to even say anything, every two seconds Everyone is groaning about Trump and I’m like hmm I’ll just not say anything. Who are those crazies how thunk differently right?

OP my advice is to visit the beach in the heat of summer. Depending on how much you love the beach in summer, that’s your answer.

Anonymous wrote:

Anonymous wrote:Np - do any of these communities in FL or SC you’ve mentioned have good health care and any sort of Jewish community? We’re not orthodox so any conservative or Reform (preferably) temple would do. We likely won’t move for 5-10 years but dh and I can both work remotely.

. Boca?

Lake Worth

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:For those living between FL and high-income-tax states, how do you handle capital gains, dividends, bonus, other stuff to minimize the tax bill?

Can you time those so they happen while in FL and then you avoid state tax?

It's not a question of when the gains happen. It's a question of which state is your primary residence -- i.e. where do you spend MOST of your time. That state is going to be the state you file in for state taxes. If you spend more than 50% of your time in Florida, then you qualify as a Florida resident.

Imagine being a FL resident, but still spending 5 months a year in DC or MD.

Should you time selling stock, any bonus/ commission for the time you're in FL, or it doesn't matter?

It doesn't matter. You pay taxes in your state of residence. If you travel to another state for a week, do you worry about whether your investments produced income during that week? If you are in a state less than 6 months, you are effectively on an extended vacation.

Earned income is a different thing. If you have an office that pays you directly in a state, if that state does not have a reciprocity agreement with your state of residence, then you may end up paying state tax in the state in which it is earned.

Anonymous wrote:We talked about it, but much of Florida and the southern coast will face increasing flood and heat problems in the coming decades. We decided to split our time between DC and a northern state. There’s a lot of cultural life here.

Yes. I keep going back and forth between Pennsylvania and Delaware. DH vacillate between Tennessee and Pennsylvania. He doesn’t want his pension taxed. We shall see.

Anonymous wrote:

Anonymous wrote:I want to retire in the DMV. There is so much to do here and great doctors and hospitals. We will sell and move into a small condo. I’d hate living in NC or FL.

I have friends in NYC and that's exactly what they are saying. They always joke that they don't understand why retirees don't just flock to NYC, where things are happening.

Fixed income can limit your buying power

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have a winter home in the old part of Naples right near the beach. It is beautiful with amazing sunsets almost every evening. It’s a very moneyed town and while some exhibit it obnoxiously most people are pretty laid back midwesteners. I’m a moderate dem and I’m in the minority but it’s rare when I run into a hard core MAGA person. Up and down the gulf coast of Florida are wonderful small towns. I’d avoid the southeast coast as it is overrun and crowded. And avoid July through September although DC is August is pretty awful too.

I’m also in Naples. Love it here, but only stay for the winter. We bought a small condo on the beach and enjoy a beautiful sunset almost every evening.
I’m a moderate Republican and would never think to argue politics with you. Everyone is entitled to their position.
We summer in the Finger Lakes region of NYS which, culturally, is more like the mid-west than the east coast of the US. Many people in SW Florida are midwesterners and the ones I’ve met have all been wonderful people.
You’re right, there is a LOT of money here but no one throws it in your face other than the many nice cars people drive. When we’re out on the beach money doesn’t matter.

The point isn't about arguing. It's about being forced to socialize with and be surrounded by people whose fundamental values are so different than yours. I don't want to be around bad people, period, and Florida is full of them. The state voted for Trump for god's sake.

"The State" didn't vote for anyone. "The State" is made up of voters. And 4.5 MILLION people voted for Hillary Clinton, while 4.6 MILLION people voted for DJT. Honestly, I think the people of Florida are better off (IQ-wise) with you staying OUT of Florida.

That voting result was a difference of 1.2 percent of all votes cast. [b]So, if it bothers you that there were 1.2% more Trump voters than Clinton voters, then good luck navigating life.[/b]

It bothers me a great deal, actually. That's 4.6 million Trump voters! And I'm navigating life just fine right with the DMV as my retirement home base and traveling all over the world -- except for Florida and the rest of Trump country.

Anonymous wrote:Please read the Kiplinger link.

Found, and it contains good tips, but doesn't answer the question.

Anonymous wrote:Please read the Kiplinger link.

can you post the link?

Please read the Kiplinger link.

Anonymous wrote:

Anonymous wrote:For those living between FL and high-income-tax states, how do you handle capital gains, dividends, bonus, other stuff to minimize the tax bill?

Can you time those so they happen while in FL and then you avoid state tax?

It's not a question of when the gains happen. It's a question of which state is your primary residence -- i.e. where do you spend MOST of your time. That state is going to be the state you file in for state taxes. If you spend more than 50% of your time in Florida, then you qualify as a Florida resident.

Imagine being a FL resident, but still spending 5 months a year in DC or MD.

Should you time selling stock, any bonus/ commission for the time you're in FL, or it doesn't matter?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have a winter home in the old part of Naples right near the beach. It is beautiful with amazing sunsets almost every evening. It’s a very moneyed town and while some exhibit it obnoxiously most people are pretty laid back midwesteners. I’m a moderate dem and I’m in the minority but it’s rare when I run into a hard core MAGA person. Up and down the gulf coast of Florida are wonderful small towns. I’d avoid the southeast coast as it is overrun and crowded. And avoid July through September although DC is August is pretty awful too.

I’m also in Naples. Love it here, but only stay for the winter. We bought a small condo on the beach and enjoy a beautiful sunset almost every evening.
I’m a moderate Republican and would never think to argue politics with you. Everyone is entitled to their position.
We summer in the Finger Lakes region of NYS which, culturally, is more like the mid-west than the east coast of the US. Many people in SW Florida are midwesterners and the ones I’ve met have all been wonderful people.
You’re right, there is a LOT of money here but no one throws it in your face other than the many nice cars people drive. When we’re out on the beach money doesn’t matter.

The point isn't about arguing. It's about being forced to socialize with and be surrounded by people whose fundamental values are so different than yours. I don't want to be around bad people, period, and Florida is full of them. The state voted for Trump for god's sake.

"The State" didn't vote for anyone. "The State" is made up of voters. And 4.5 MILLION people voted for Hillary Clinton, while 4.6 MILLION people voted for DJT. Honestly, I think the people of Florida are better off (IQ-wise) with you staying OUT of Florida.

That voting result was a difference of 1.2 percent of all votes cast. So, if it bothers you that there were 1.2% more Trump voters than Clinton voters, then good luck navigating life.