Monday, September 16, 2019

Finding The Perfect Place To Retire

This is a sponsored post.  All opinions are my own.

My parents moved to Central Florida when they retired many, many years ago.  We loved visiting them there at least once a year, especially our kids who not only got tons of attention from Grandma and Grandpa but also looked forward to having a great time at one of Orlando's amusement parks.  Me and Soko would drive around my parents' community and imagine that we would retire in this perfect place one day.

But when the time came for us to retire, we were not ready to live full-time in Florida like my parents did, but knew we couldn't afford to continue to live in New York on our retirement budget.  Our house was paid off but the taxes were ridiculous and constantly increasing every year.  There must be other options for us, we thought, and that's when we started thinking about living part-time in North Carolina where our daughter Lisa lived with her husband.

North Carolina's property and school taxes are a fraction of what we paid in NY but besides for saving on taxes, we considered making NC a vacation home so that we would only be 10 hours, by car, away from our sons in NY, compared to over 20 hours if we had to make the trip from FL.  And it would be where we could go to get a break from Florida's summer heat.

After looking at real estate websites for something to buy in southeast NC, we found out that when we sold our home in NY, we would have more than enough to buy something in NC and Florida!  And the local property and school taxes in both of these states were 1/10th of what we were paying in NY.  But what about other taxes and what type of dwelling do we want to live in and what were our community choices?  These were some of the things we needed to consider when deciding on a place to retire.

The difference in the local property and school taxes between where we were looking to live in NC and where we lived in NY was substantial to say the least.   But NC has a state income tax.  Florida, on the other hand, is one of only seven states that doesn't have a state income tax nor does the state tax social security benefits.  There are 13 states that collect tax on social security.  This is why FL would be our permanent residence and NC our vacation home.

So now that we knew what states we would settle in, it was time to make a decision on the type of dwelling we would live in.  In FL, we pretty much knew.  We would be living in the community that my parents lived in.  When this community was created, it was made to be an RV park.  Many snowbirds parked and lived in their RVs here during the winter.  My parents were not people who ever camped or even did road trips.  But since this was an RV park they had to buy an RV to live in.  They attached a Florida room to the RV.  The house definitely could not be moved after that but it still had to have wheels.   They covered the wheels with a skirt.

Things have changed over the years in the park.  It is still where some snowbirds come in their RV's to spend the winter and there are lots of unmovable RVs, like my parents, still around but any new construction being put up is a single or double-wide mobile home.  So that is what we live in in FL.  We bought a previously owned double-wide that came with furniture and we love it.  It was so inexpensive that we paid cash for it and because it is smaller than a house, it is so easy to take care of.  But it's not as sturdy as a permanent structure and we get nervous when we hear of threats of hurricanes and tornados inching towards us.  We do have a community room in the park for the residents here to gather in until the storm passes.

Speaking of our Florida neighbors who live in their RV, that is an adventurous dwelling that some retirees choose.  A few of our Florida RV friends live in their RVs year round.  Some of them are renters who leave us for their parks up north at the end of  March.

We have also met more than a few retirees in the campgrounds we've stayed in on our camping trips that have made their RV their permanent homes and travel around in them all year round.  Lots of them camp for free by taking on the job of campground host during their stay at the campground.  Getting mail and medical needs taken care of gets a little complicated with this lifestyle but probably is worth it to enjoy the freedom that these campers do.

We had a few choices of housing in NC.  We needed someone to help us find our perfect place here.  Lisa had been working with a Real Estate Agent because her and her husband were ready to settle into their own home.  We gave Tim a call and met with him at his office.  After this first meeting, we knew that we would be happy working with Tim.  We needed someone we could trust and feel comfortable with most importantly.  He also listened carefully and considered all of our wants and needs.

We looked at condominiums and townhouses at first because we thought it would be a little less expensive than a house, and they were, but most of the HOA fees were very expensive.  If we lived in a condo or townhouse we would not have to worry about yard work which would get harder to do the older we got.  But the townhouses we looked at were often 2 or 3 stories high which means climbing a lot of stairs inside the house.  Also, it was hard to find a condominium apartment on the first floor.  I know, from watching family and friends grow older, that stairs are often physically challenging for many seniors. 

Deciding on the community we wanted to live in was another decision we had to make.  Our community in FL is 55 and over.  We are very active in many of the clubs here and we enjoy living in a community of  people our age.  We have a clubhouse where we can join in many activities that happen here and also a small gym, game room with pool tables, shuffleboard, tennis and horseshoe courts, lake and pool with hot tub.  We pay an HOA fee here so that all these areas are taken care of for us.  Our fees also pay for the security patrol we have in our gated community and our garbage pick up.  We knew we wanted a pool like we have in Florida but we didn't necessarily have to live in a 55 and over community. 

In the end, we chose a one level single-family home in a wonderful community with a pool.  We pay hardly anything in HOA dues but lawn service is not included.   Lisa and Pete actually really liked the community Tim found for us and decided to buy the lot two doors down from us.

It's never too early to start thinking about retirement and where you could envision yourself enjoying these years.  There are many websites to visit and blog posts to read that can help you make your decision.

If you are considering Florida, as many people do, as the state you might want to retire in, there are many wonderful cities to look into.  One website you should take a look at for homes in Jacksonville's beautiful neighborhoods is run by Erin E. King, a Best of Zillow Realtor, who specializes in Jacksonville's historic neighborhoods.  His website answers many questions you might have as a buyer, or seller, and is designed to not only show you pictures of available properties, but to give you lots of information about the communities they are in and what it would be like to live in these neighborhoods.  Visit Erin's website, Jax Historic Realty, and then here to view the gorgeous homes he helps to sell.

We spent years exploring the possibilities of how to spend our retirement years.  We learned a lot from our parents and others that retired before us and we looked at different websites and blogs.  Now we can say, we have been happily retired for 4 years and love living the life of 2 snowbirds.  Our good life got even better when we bought our RV last year, but that's a whole other story!
(You can read all about it here!)

Monday, September 9, 2019

Split, Croatia - Exploring Diocletian's Palace, Marjan Hill And More

Split, Croatia was the seventh port on our Mediterranean Cruise itinerary.  It was not supposed to be a stop for us when we booked this cruise.  Our original itinerary had Ravenna, Italy as Port 7.  We were excited to see lots of beautiful mosaics and the Basilica of San Vitale there.  We were a little disappointed at first when we were told of the change of plans because we didn't know much about Croatia.  But we researched and started to get curious about all we could do and see in this country.  Now that we have been there, I can tell you that Split, Croatia is in the top three of our favorite ports on this cruise!

There was no need for us to book an excursion here.  We were able to walk off the ship and to everything we wanted to see and do.  I Googled a map of the area before we left home.  We were happy that we purchased a sim card here before we left so that I could also use Google Maps on my phone.   Our map directed us to walk along the Riva, Split's waterfront, to the first sight on our list.

The first place we headed to was Marjan Hill.  It's a steep hill, with steps, to climb but when you make it to the top, you are treated to amazing views of the city below.  There was a cute cafe, Vidilica, halfway up the hill that I thought we might stop in and we did but only to use the restroom.   If we weren't worried about not having enough time to see everything that we wanted to in Split, we definitely would have spent some time there.  The view from their outside dining area was spectacular.

When we got to the top of Marjan Hill, there wasn't much to see but we really just wanted to see the view of the city.  We did find a church which could have been either St. Nicholas or St. Jerome or maybe neither.  There weren't any signs to tell us.

But even if there was a plaque on the church, we couldn't read it anyway.  Like this one above this sink.  It could have said "Use this sink at your own risk."  We didn't know.   Soko was fine after he washed his hands so that's probably not what it said!

The view from the top of this hill did not disappoint us.  It was as wonderful as we thought it would be.

But what I will remember the most about Marjan Hill was the very friendly, very adorable dog we met up there.  He was ready to play with anyone who wanted to play.  He brought his stick over and offered it to me.  We played throw and catch for awhile until he wanted to change the game to hide and seek!

Next on our list was Diocletian's Palace.   It was only an 8 minute walk from Marjan Hill through a cute little town.  We passed two stores that actually had English signage.  The Little Beer Store was a little beer store but we knew it would be before we even looked inside because the sign said so.

The other store was the Car Shoe shop.  Hmm...we could read the sign but what in the world was a car shoe?  Did the people of Croatia put shoes on their cars somehow?  We peeked inside and saw a shoe that looked like it might have been made out of a tire but there wasn't anymore English for us to read to confirm that!

We knew we made it to Diocletian's Palace when we spotted Gregory of Nin (cover photo)t just outside the entrance of the palace.  He's very hard to miss as he is 28 feet tall.  We were not going to walk past him without rubbing his toe.  We didn't want to miss out on the good luck we would have from performing this small act.

We passed through the Golden Gates and into the palace.  Diocletian's Palace is the central hub of Split where 2,000 people live or work.  

We walked on original Roman streets that cut through the palace as we followed Rick Steve's walking tour.  The most important street in the palace, we read, was Cardo.  It connects the main entry with the heart of the complex.  It was here that we would find Nadalina selling dark chocolate using Dalamatian flavors like dried fig and prosecco, an Italian white wine.

The oldest cathedral in the world, Cathedral of St. Domnius, is here also and AAwas Diocletian's mausoleum but then converted into the town's cathedral.  The cathedral's wooden doors have survived since the year 1200.

We were excited to see and hear an all-male a cappella group singing in the Entry Vestibule, the grand entrance into Diocletian's living quarters, but they were not there the day we visited.

What we did get to see, though, was the 3,500 year old sphinx in Peristyle Square.

After exploring the very interesting palace, we went to find nearby Pjaca Square.  

I was dying to see St. Anthony's statue there.  We read that the donor of the statue is seen clinging to the leg of St. Anthony as a reminder that he was the one who made this donation.  It took us awhile to find, but when we did, it was more than we had hoped for.

After taking a quick walk around the square, we walked along Split's pride and joy, the Riva, once again on our way to find the beach.  I got a charm for my Pandora bracelet here in one of the many shops that line the waterfront along with cafes and bars.

It was a little bit of a walk, maybe 20 minutes, to get to Bavice beach.   We thought we would relax there awhile before heading back to the ship.  We read that it was a crowded and lively beach and the only sandy beach in town.  It was crowded and lively but not very sandy.  Most of beach goers were sunbathing on concrete.   We decided that it might not be too easy for us to relax on the concrete so we headed back.

We had some Croatian kuna left at the end of our day in Croatia that we didn't want to bring home with us.   Soko found a beer to spend it on, German because he couldn't find Croatian, to enjoy before we made our way onto the ship.

Croatia was wonderful!  We loved it and would love to return one day.  Hey, we rubbed Gregory's toe.  Maybe he will make it happen for us!  Bye Croatia!  Off to our last port, Kotor, Montenegro.