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Few towns in the Southeast offer more gracious charm than Aiken, South Carolina.  Take a relaxing stroll through Aiken's tree-lined ...

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Welcome to Cresswind Charlotte!  This nature-rich refuge of inviting streetscapes, manicured landscaping and miles of walking trails...

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Cresswind Charleston is Charleston-area's BEST active adult lifestyle community. Cresswind inspires active adults to live life to the ful...

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Birchwood at Brambleton is an exciting new community for active adults 55+ located in the heart of Loudoun County, and is intentionally d...

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Cadence at Lansdowne is a brand new 55+ active adult community offering a vibrant lifestyle in Lansdowne, Virginia. It's where you can ha...

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Brookfield Residential at Two Rivers is a brand new community designed for those 55+, and offers an abundance of opportunities for a vibr...


Take Our New Coronavirus Vaccine Survey!

Category: Health and Wellness Issues

February 25, 2021 – By now most of the Topretirements audience has probably had a chance to get at least one dose of a coronavirus vaccine. Please take our quick survey of how that experience went for you. There are just a few questions on how you found out where to get your shot, how good a job your state did on that, and how your life and activities might change once you have been administered both doses and your immunity is established.

Here is the link to the short survey:

Take the Vaccine Survey

We will publish the results next week – should be very interesting to compare with the survey we did last year. If you have Comments you would like to make, please free to add them below.

Posted by Admin on February 25th, 2021

20 Best Active Adult Communities of 2021

Category: Active adult communities

February 23, 2021 — Want to know the active adult and 55+ communities Topretirements visitors are interested in learning about? We sure do, so we went through our user logs for the last 12 months, using them to identify the retirement communities that received the most online visits on this site. You will find the top 20 below – with many surprises mixed in with some sure things. Best of all, it is an interesting list with communities of all types from all over the country. That makes us happy, because it just not the same names all over again. Instead, there are many new communities for people to consider. Two of the winners are advertisers on this site, the rest are not.

Top 20 Active Communities for 2021

The Villages – Central Florida. Just about everybody has about this giant community. It spans 3 counties, has of over 120,000 residents, virtually every kind of amenity, and hundreds of clubs. 2000

Posted by Admin on February 22nd, 2021

Happy Birthday Boomers – Oldest Turn 75

Category: Baby Boomer Retirement Issues

February 22, 2021 — Seventy five years ago last summer GIs from America and around the world starting returning home after fighting WWII. It didn’t take them long to resume normal life, where they quickly produced a wave of newborns the likes of which had never been seen before – the baby boom. Fast forward to 2021, where we are beginning to celebrate the seventy-fifth birthdays of that first crop of baby boomers. Happy birthday everybody.

We don’t know what it was like in your elementary school classrooms, but in ours the impact of the baby boom was immediate and obvious. Our older sisters, created on shore leave, arrived in 1944 and 1945. Their classrooms had half the number of pupils of our 1946 born brother, and every other class after that. Our classrooms were jammed with kids.

Posted by Admin on February 21st, 2021

The Cheapest and Most Expensive Places to Retire in the World

Category: Best Retirement Towns and States

February 16, 2021 — Last week on this Blog we posed the question, “How Much Is Enough for Retirement“. So when we came across this new study on the cheapest and most expensive places to retire from NetCredit, it seemed like the perfect follow-up.

As most retirees in the US or UK are figuring out, retiring in their own country means they are going to need over half a million dollars in the bank to do it comfortably. If that sounds unreasonable, then retiring abroad might be the next best option. NetCredit’s new study crunched the numbers to find out what it would cost to retire comfortably in (almost) every country around the world.

Posted by Admin on February 15th, 2021

Dueling Retirement States: Grand Canyon vs. Sunshine

Category: Best Retirement Towns and States

February 15, 2021 — By far the two most popular states for retirement are Arizona and Florida. Choosing between them can be hard, there are so many factors to consider. Both have warm winters in most of the state, but beyond that the field is open. Many people in the western half of the U.S. choose the Grand Canyon State for retirement, while in the East Florida is the more convenient choice. But there thousands of exceptions to that, for multiple reasons.

We have just updated our ever-popular Dueling Retirement States article comparing Arizona to Florida. Here in one place you can analyze and compare which one might be more appealing to your retirement situation. Best of all, you can enjoy and learn from the 220 (and growing) Comments made by our Members and visitors.

Here is the link to the updated article:

Dueling Retirement States: Arizona vs. Florida

Posted by Admin on February 14th, 2021

Retirement Calculator – How Much Is Enough?

Category: Financial and taxes in retirement

February 8, 2021 — If there was ever a perplexing question it is this one – how to calculate how much is enough for a comfortable retirement? The short answer is – more than you probably think! The long answer starts with the fact that most people haven’t thought enough about their own situation to come up with a reasonable answer. Once you understand how your expenses match up with your income, then you can start to calculate how much you need for retirement.

Although there are many retirement calculators, people tend to underestimate several key components of the expense side in this calculation – like how long they will live and what their medical costs will be, and forget about unexpected expenses like replacement roofs, worn out cars and AC systems, and assistance to family members. They also tend to have a vague idea about their income sources, and overestimate how long their savings will last. Much also depends on your lifestyle – you can live within almost any budget if you match expenses to your income, although it might be hard and require lifestyle changes.

So the first thing to do when trying to calculate how much you need for retirement is get a realistic handle on your budget – matching income to expenses. Income is fairly easy for most people to calculate, especially for Social Security benefits, while expenses are harder. The expense side of the equation can vary widely, depending on your lifestyle, which fortunately you can modify.

Step #1: Retirement Calculator: Figure Out Your budget (this applies to everyone!).

Until you have a good idea of what your retirement expenses will be and how they match up to your income, you can’t really start planning. It is a critical step to head off what could be a disaster – running out of money way before you or your significant other check out of this world. This budget worksheet in csv format contains most of the items you need to consider when developing a budget, and you can customize it to fit your needs.

Posted by Admin on February 8th, 2021

Fact or Myth: The Villages Is the STD Capital of the US?

Category: Health and Wellness Issues

February 5, 2021 — Any time the subject of The Villages (TV) in Central Florida comes up in conversation, the chances are that someone will chime in with the tidbit that the popular active community is the STD capital of the US. In many circles this bit of false news is taken as the gospel. Everyone chuckles and they move on.

The rampant STD rumor about The Villages first erupted in 2006 after a gynecologist who had moved to the area stated that she’d treated more cases of herpes and human papillomavirus in The Villages than when she practiced in Miami. She later modified her account, but the damage was done. The New York Post picked up the salacious report as did other media outlets across the country. Andrew Blechman’s Leisureville, which depicted Mr. Midnight’s late night adventures as a senior citizen Lothario, also helped to perpetuate the image of TV as Gomorrah in Central Florida.

Posted by Admin on February 4th, 2021

The Biggest Mistakes People Make When Choosing a Place to Retire

Category: Retirement Planning

February 2, 2020 — Special thanks to frequent contributor Ed Lafreniere of for suggesting this topic (one of several he made in response to our “Most Popular Articles of 2020” article). The mistakes people make in choosing a place to retire is a topic that always generates great interest. The three part series on “Retirement Mistakes People Make” we ran a few years ago resulted in hundreds of Comments. We recommend the whole series (see links at end), but today’s article selects some of the most interesting and helpful comments from that series. We hope you find them useful.

Member Comments: Oh, the mistakes we made!
Here is a summary of what our members think are the biggest retirement mistakes you can make when it comes to choosing a place to retire (some of the comments tell how to avoid making a mistake):

Country noise. Upon retirement a few years ago from the Wash. DC area I decided to move to a more rural area in NC for some tranquility. I was drawn to my home by the beautiful views and scenic rolling landscape. However, after being here a year now I have found there is just as much “noise” here as in the city. I call it “country noise” from farmers plowing their fields, trucks without mufflers, neighbors mowing their 10 acre lots, and aircraft flying over my home. — Dale

Posted by Admin on February 1st, 2021