Does your wife know you are planning to get married two more times?:devil2:

Where ever you're thinking of going, before you buy, I'd spend some time there first esp in the summer months to see how you like it. My job has taken me to Florida a few times in the summer where I've had to work outside for much of the day. No thanks, the intensity of the sun that far south takes too much out of you.

The nice condo developments down there I saw on the intercoastal waterway were pretty much empty at that time of year too. All the snowbirds were back north.

Arizona and Palm Springs CA are both nice. Very very hot in the summer. We have spend some time in both places.

Since I'm retired we decided to keep the place here in RI and probably rent for Jan and Feb someplace warm. Much cheaper than buying a second home. No insurance, upkeep, taxes, etc.

So you end up spending $4 or $5K for 2 months and then back up north for March to get the boat ready. :uhuh:
The upside is you can go someplace different every year.

Puerto Rico will tax the crap out of you. Worse than any New England state.

Hey Guppy,I know it's funny we tried to escape down South 20 years ago and those dreams fell through the floor due my wife's Dad passing away and didn't want to leave her Mother stranded, but yet ky wifes brother picked up and moved away,so we were locked in to stay.

Deep down I know you guys are 100% right & I'm sure it's from experience or have witnessed it first hand,but If the future holds us to the ten year plan I'll be ok with that.Chit I be in my early 50's or close to it and should be still fully functional to keep doing what I do.
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God Bless, Bob. You deserve, and have worked hard for, the good things that are coming down the road...

i'd like to retire on a 60' viking in the keys. with a 20' seacraft as my runabout. dreams.

you and NeBeN should collaborate...

Enjoy the ride Bob

BB that's a good one :uhuh:

I am with Piemma. Rent for three months during the winter, if the hurricane comes a blows the roof off, tell the landlord and return north....no taxes, upkeep, headaches, and freedom to change. Yep...thats the current plan. My parents did it, my wife likes it...and I would miss the northeast...as a hunter and a fisherman.

MV

That's the direction I'd like to go, it's the flexibility and the fact you don't have to worry about a 2nd property, that is attractive to me. My parent's actually did the reverse, they retired in Marathon Key and rented up here every summer to be with the extended family for 4 months of the year. That is the option I'd consider, renting up here for the summer can probably be had for less money with us knowing so many cottage owners now.

Unfortunately when their health started to go, they sold :( the place on then canal and moved back up north and the family ran a constant shuttle service for them both for their remaining years to N.E. Babtist hospital. That of course is one of the main reasons to stay north and rent south winters, you won't get health care anywhere the comes close to what we have in Boston.

heard of a guy who spends his winter months in Hawaii
and the rest in NEW Hampshire .... food for thought

keep in mind that GREENLAND is going to melt
and don't buy shore property ..... lol

Been doing a lot of researching about this. To rent somewhere warm for the winter and come back to RI for the rest of the year sounds like my best option. I have to see if renting for three months allows me to declare residency in that state so as to avoid pension taxes. RI (and other states) tax the hell out of retirement pensions. Would love to rent somewhere in the desert southwest but there are not many places with fishing opportunities in a desert. But the weather is so much nicer than Florida. Plenty of resources available like "Where to Retire" magazine - do your homework.

A possibility for me is the Eastern Shore of Maryland. I can keep an eye on the Striped Bass spawning in the Chesapeake, row my classic St Lawrence River Skiff and still drive up 6 hours to a CT Surfcasters Meeting once in a while.

Dennis- I do not think 3 months is enough to get away from RI taxes. Think you have to be out of RI for 183 days.

You have to be careful about declaring residency on your taxes. It does vary by state, some look at time (more than 6 months), others who assume a lot of people will lie about time will look at where your residency or spouse is set up, where you vote, have drivers licenses and cars registered.

There are a lot people driving cars with FL plates who really don't spend that much time there and if I were them I wouldn't be able to sleep at night. If you are trying to skirt the law by playing a shell game I think someday the states with big deficits are going to try and get the tax dollars from you.

If your not really commited to relocate full time it's best to consult a professional on this one.

Plenty of landlocked striper fishing in the west, not sure how reliable or if winter is prime time or not.

Without going into all the ins and outs, most states use a 183 day rule.

desert and fishin.... only one state really
that offers both
with excellent fishing both inland and salt is texas

Thanks guys - will be meeting with our financial advisor before it all goes down. I'm sure those questions come up all the time.

I will be in the old country for winters and summers here chasing fish :)
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Cape cod for May through October (coincidence that it is similar to Striped Bass?). Visit Kids and grandkids in TX (Dallas and Austin) in April and November and December. Live with Relatives in FL Jan, Feb and March and do lots of day and week trips all over FL in that time (also redfish, snook, seatrout, tarpon and ladyfish) and my annual March Madness trip in Marathon during start of NCAA hoops.

TX too hot in summer (100 degrees every day). That is why my daughter and her girls spend a month with us in July and early August. We are in Austin TX now and it is 100.

FL hot in summer (but sea breezes near coasts- either one) so better than TX.

Grand kids are definitely a REAL draw for some grandmas too so the kids locations must be accounted for too.

One good home base especially RI or MA for striped bass lovers. Then plan on lots of travel the other months.

Don't permanently move until you try a cycle or two. Make sure family is 100% on board, when wife is happy, everyone is happy.

Residency thing is real and 183 days minimum and a few other tests too that are well documented. States want their $.

Retirement second only to marrying my wife. I tell the kids they are a distant third.

Still practicing and fine tuning but 1st 2 years very good.

Bill

Tuscany
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It's a pipe dream given my family history etc I'll retire to a crematorium. In any case if I a am so lucky to retire with my faculties it's where I'd want to be
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Now, I would just as soon be as far away from "good" hospitals as I could get. My wife helped a 90+ year old guy for a number of years. He didn't really need anything but she went a couple of times a week and did his laundry etc. Never had been sick to speak of. Went to the ER for some reason and died the next day, she said it was terrible. I thought it was perfect, 90+ years of healthy living and gone in a couple of days. Who wants things dragged out badly for years.

Downsize to a condo in New England to spend our summers here with kids and grandkids. Eventually fishing boat will become luxury cruiser. I'll fish on my sons' boats.
Phoenix in the winter for golf and my wife's family. We bought a house in Anthem Country Club (2 18 hole courses and clubhouses).
Taxes, HOA and Social Membership $450/ month.
The whole town was built in 1999.
January will be for a month of travel until too old to enjoy.
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http://www.clubcorp.com/Clubs/Anthem-Golf-Country-Club

Wife is pestering me with VT and NC. BIL is out Asheville, NC. He says lots of people bounce back from FL.
Anyone look at Charleston, NC?

I will probably never completely retire and would be looking for a place to get some part time IT work, hopefully, remote.

i'm not planning to retire anywhere they have wild HOGS
or Fire ANTS. The Hogs become vessels of new SWINE flu strains
and the mosquitoes feast on them relentlessly.

if You get stung
by a fire ANT and you literally want to scratch your flesh off
until you look like a ZOMBIE.