Showcase Listing

Fairfield Glade, a stunning master-planned community, is perched high atop the Cumberland Plateau, and offers serene mountain beauty as i...

Image
Showcase Listing

Reflections on Silver Lake is a popular 55+ Manufactured Home and RV Community in Highlands County, Florida, offering a choice of lifesty...

Image
Showcase Listing

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

Image
Showcase Listing

Embrey Mill® is an all-ages master-planned community located in Stafford, Virginia, just north of Fredericksburg, and offers a totally st...

Image
Showcase Listing

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

Image

10 Great Outdoor Towns for Retirement

Category: Best Retirement Towns and States

June 19, 2021 — If you are a retiree looking for a place to retire that offers superior outdoor recreational opportunities – you are in luck! There are countless towns in this country where mountains, lakes, rivers, or trails are just outside your door. In addition to traditional activities like tennis, golf, and fishing, these retirement destinations usually provide great hiking, skiing, water sports, etc.. Here are our top 10 picks for great outdoor places to retire.

10 Great Retirement Towns for Outdoor Activities

Bend, Oregon.  Located on the Deschutes River on the eastern edge of the Cascades, the area offers great scenic beauty, skiing, mountains, golf, fishing, and more. Word about how nice this city is has gotten out: the population keeps increasing by leaps and bounds.

Burlington, Vermont. On the eastern shore of Lake Champlain you will find this town, home to the vibrant University of Vermont. Burlington is very popular with outdoor loving retirees who also want the youth and enthusiasm provided by a major university. Mountain bikers enjoy many great trails such as “The International”, which is about 20 minutes outside of town. Nearby ski resorts including Sugarbush, Mad River Glen, Smugglers Notch, and Stowe, which now offer year round recreation. For the recreational bicyclist/walker/jogger there is the Island Rail2Trail path, which has 8 miles right along Lake Champlain.

(more…)
Posted by Admin on June 18th, 2021

10 Best International Places to Retire

Category: International Retirement

June 15, 2021 — Where do people go when they choose an international retirement? Different sources have different answers for the best places to retire abroad. The 2021 Expat Insider Survey named Taiwan, Mexico, and Costa Rica as the best 3 places for American expatriates of all ages. A study looking at Americans who receive Social Security benefits put Canada, Japan, and Mexico at the top of their list, while Investopedia rated Panama, Costa Rica, and Mexico as the best 3 countries for American expat retirees. Other countries making frequent appearances on this type of lists are Thailand, Portugal, Spain, Vietnam, Ecuador, Canada, Australia, New Zealand, and France. But in truth, people go all over the globe in pursuit of a happy retirement, and for a variety of reasons.

Some of the factors to consider when choosing a country for an expat retirement are:

  • Political stability
  • How easy is it to buy or rent property
  • Healthcare and entertainment
  • Visa and residency requirements
  • Cost of living
  • Will you fit in
  • Development and infrastructure
  • Climate
(more…)
Posted by Admin on June 14th, 2021

Quiz Results: On Most, But Not All Aspects, Your Homes are Ready for Retirement.

Category: Home and Garden

June 12, 2021 — Thanks to the 200 people who took our Home Readiness for Retirement Quiz. The Topretirements community appreciates the few minutes you took to assess your home’s readiness. We hope that you found the exercise useful. We know we did, our grab bars were installed today! Here are the results of the survey, with several surprises mixed in with findings that were more predictable.

The point of the quiz is to make sure that wherever you decide to live in retirement, your home is a safe place that lets you age gracefully in place. The good news is that most homes can be retrofitted to get there. Those without a first floor bedroom/bath option face a more problematic situation.

Overall Conclusions:

Almost three quarters (77%) of our Members have a bedroom/bath on the first floor, which is great news. They should be able to stay in their homes regardless of their mobility in the future.

(more…)
Posted by Admin on June 11th, 2021

Newest Quiz Added to Topretirements – How Ready Is Your Home for Retirement?

Category: Home and Garden

June 8, 2020 — Want to know if the home you are living in will be able to keep up with you over the next 25 years or so of your retirement? Well, just take this quick quiz and we’ll give you an instant score. We’ve graded it high, but the good news is that if your score is low there is a lot you can to do fix it!

How Ready Is Your Home for Retirement – a Quiz

(the headline above is a link)

It’s just 13 questions, and it’s free. Take it and see how you do!

Take our other interactive quizzes!

What Is Your Social Security IQ

What Is Your Medicare IQ

How Ready Are You for Retirement

Comments? If you have suggestions on these quizzes or ideas for others, please let us know in the Comments section below.

Posted by Admin on June 7th, 2021

Preparing Your Home for the Next 25 Years

Category: Home and Garden

June 6, 2021 — It doesn’t matter. Whether you plan on staying in the home where you’ve always lived, buy a new retirement home, or you haven’t yet decided where you are going to retire, the same principle applies. You have to make sure that your home continues to be an easy place to live as you age in place – transitioning from newly retired to graceful old age. If you don’t, life in that home is going to get harder, if not impossible. This article will lay out some of the things that you absolutely, positively, must keep in mind; either if you buy a new home or decide to stay in the one where you live now. At the end of the article you will find a quick quiz to help you evaluate if your home is ready to support your retirement.

Commonly called universal design, the idea is take steps to insure that your home will be a friendly place to live, no matter what your physical condition in the future. It starts with the assumption that you might not always be able to see well, bend down or reach up, walk unassisted, or have great balance. That might not seem that important now, but it could easily be the case some day. Most homes assume that everyone who lives there has normal physical abilities. Sadly, not all of us will have those during the rest of our lives, and those changes usually come out of nowhere.

Keep these universal design principles in mind for the long haul:

(more…)
Posted by Admin on June 5th, 2021

10 Best Small and Mid-Sized Cities for Retirement

Category: Best Retirement Towns and States

May 27, 2021 — Not everyone dreams of retiring in an active community, a small town, or the suburbs. There is a sizable group of baby boomers who yearn for something bigger than that. For these folks, retiring in a small or medium sized city might be just the ticket. This lifestyle has the attraction of living in the center of things, walking to everything, choosing from a raft of interesting restaurants, or seeing a good play production or concert. To these folks that is a lot more appealing than endless rounds of golf, pickleball, or mowing the lawn. Here are picks for some great places to retire that offer an urban lifestyle.

For cities to be considered we had several wish list items, although not every city will have all of them. We tried to find cities that are walkable; where pedestrians enjoy wide sidewalks, safe crossing zones, and some separation from cars. Pedestrian-only zones are a big plus. Bike lanes and paths that keep you and your bicycle out of harm’s way from cars are nice to have. There has to be a number of good restaurants and cultural venues to choose from. The presence of a college or university definitely adds value. And finally, there should be some living options either in the downtown or in a quiet nearby neighborhood. Another bonus would be low cost of living (not all of our picks met that hurdle). We published a list of 9 Great Small Cities for Retirement a few years ago, and boy did that generate a lot of Comments and suggestions (199) – we think you will find them worth reading.

(more…)
Posted by Admin on May 26th, 2021

Retirement Confidence Hits All-Time High – Despite Covid

Category: Financial and taxes in retirement

May 24, 2021 — The Employee Benefits Research Institute (EBRI) has released the results from its annual retirement confidence survey – and they are pretty good! Back in 2014, 55% of all workers said they were “confident they would have enough money to retire confidently”. This year, 72% of all workers say they are that confident, and 80% of retirees agree (in 2014 only 67% were that confident). The survey also had some other extremely interesting findings that we have detailed below.

Source: EBRI

Covid and confidence

One would have thought that a year of being in the Covid pandemic would have negatively affected how retirees feel about their retirements. Instead, 72% feel about the same level of confidence, and only 19% feel “slightly less confident”. How much the heady stock market has had an effect on this confidence is unknown, although we would venture it has been positive.

About one third of overall workers say the pandemic has affected their ability to save for retirement. One in five workers saw their pay or working hours negatively affected by the pandemic.

Of the 23% of retirees who feel less confident in total, most of them seem to be those with major debt problems, savings under $10,000, never saved for retirement, and those with poor health. However when it comes to debt, only 8% of retirees think they have a serious problem with it, while 26% think they have a minor problem.

Financial advice

Where would you guess most workers go for retirement planning advice? Our guess wasn’t the right answer. About 35% of people rely on family and friends, 35% do their own research online or with other sources, and 27% use a financial planner. About 22% rely on their employer. Some 36% of retirees say they have a financial planner.

Retiring earlier than planned

One of the more startling findings in the study is in when people retire. About half of them say they retired earlier than planned (46% vs. 48% who retired about when they expected). This is a result we have seen in many surveys – workers on average think they will retire much later than they actually do. Often it is an unexpected health issue or layoff that triggers the retirement. These problems tend to come out of the blue, and when they do they have a negative effect on retirement finances. EBRI found that half of workers believe they will gradually transition into retirement. However, 7 in 10 retirees report they had a full-time stop. Although almost three quarters say they will work in retirement, less than half do any kind of paid work.

Retirement lifestyle – good news for most folks

Some 71% of retirees say their retirement is either about what they expected or slightly better. That represents a slight dip from the 2020 survey results. Fewer said it was much better (10%) than much worse (19%). Again, there was a slightly more positive experience in 2021 vs. 2020.

Even more figures

The full report makes for interesting reading. There are the results for spending expectations in retirement, use of retirement savings, confidence in Medicare and Social Security. You can see the full report here.

Comments? How is your confidence in a comfortable retirement? Are you spending about what you thought? Did you retire when you thought you would? Please share your experiences in the Comments section below.

For further reading:
You Are Retiring, the Kids Are in College – And You’re Broke

Posted by Admin on May 23rd, 2021

11 Reasons Why You Should Retire Where You Live Now

Category: Retirement Planning

May 22, 2021— More than three-quarters of baby boomers won’t move more than a few miles away from where they live now when they retire. This article will explore the case for sticking close to home in the next phase of your life.

There must be plenty of strong arguments for staying put, since so many of us do just that. Here are some of the major ones, along with ideas on how to make that decision work.

– Family. Staying close to children and close relatives is often the best reason for retiring where you live now. Grandchildren, if we are fortunate enough to have any, are usually a great source of joy, but without all the work associated with raising our own children! So sticking close enough where you can see loved ones without a long drive or plane flight will be a regular source of happiness. In the past Covid year, those extended families who lived near one another had a big advantage many others did not.

(more…)
Posted by Admin on May 21st, 2021

Where You Said You Will Retire – Lots More Suggestions!

Category: Best Retirement Towns and States

May 19, 2021 — Last week we asked our Members to tell us where they retired, or where they are considering. The response, although certainly not overwhelming, did come up with a lot more suggestions. To see all of them you can go to the Comments from that article, 29 of them so far. We have summarized (lightly editing) the places that were mentioned there, but you should really read the originals in their entirety to get more detail. We also encourage you to tell us where you are retiring, either at the bottom of this article or on the original one. Thank you to all who contributed, we really appreciate you making the effort!

(more…)
Posted by Admin on May 18th, 2021

The 21 Most Popular Active and 55+ Communities in the Southeast

Category: Active adult communities

May 18, 2020 — The Southeast is by far the most popular region for retirement on this site. But which of the hundreds of 55 plus and active adult communities in this region attract the most attention from our Members and visitors? To find out we examined the data from the first five and one half months of 2021. Here are the most popular communities in the Southeastern states of Florida, Georgia, and South Carolina (we included Alabama but no communities made the cut). Most of the winners are in Florida (15), with Georgia and South Carolina making up the rest. This article updates one we did in 2018, and complements a similar one for the Southwest: “15 Most Popular Active Adult Communities in the Southwest for 2019“.

The results are a combination of: “of course” (The Villages and several communities we have as advertisers), “head shakers” that we never expected to make this list, and some pleasant “surprises”. What was really interesting is that only seven of the communities on our 2018 list made it again this year. The winners cover a wide range – from really big (On Top of the World and Solivita), to 55+ communities within larger master planned developments (Cresswind), to special interest (Shantinakin and Nalcrest), to inexpensive manufactured home and RV communities popular with snowbirds (Lost Lakes and Jamaica Bay). Note that most, but not all, of these communities are designated 55 plus, although the majority of their residents would probably meet that qualification.

While these are the 21 most popular active adult communities on this site for these four states, they might not necessarily be the “best” for your needs. They were, however, interesting enough to beat out hundreds of other great communities. If this list does anything for you we hope it expands your horizons, showing how important it is to spread your net wide when researching active adult and 55 plus communities. There are thousands of choices that might work for you, but you won’t even find out about them unless you look around. There are many good choices awaiting you, so make a little effort and go beyond the one you or your friends know about.

The most popular 55+ communities in the Southeast

(more…)
Posted by Admin on May 17th, 2021