I’m a 58-year-old lady, widow and faculty grad. I stay in Rochester, N.Y. Though I like the realm and climate, I don’t just like the taxes and politics.
I’m on the lookout for a small city with some facilities (espresso retailers, breweries, bookstore), low taxes and a conservative ambiance. I additionally need to be inside an hour of a serious hospital, a serious airport, and a ski resort.
I’d like to purchase a spot with a minimal of fifty acres, although I want 100. I’d prefer it on water (may be river or creek) that may have at the least kayaks and be close to mountain climbing or bike trails.
I’m planning on drawing an earnings of roughly $100,000 a 12 months. My investments whole roughly $5 million.
I used to be pondering of West Virginia, Maine, New Hampshire, South Carolina or east Tennessee.
I can’t discover you your 100 acres, however I can supply strategies that get you within the ballpark. An area real-estate agent can take it from there.
As you doubtless know, bookstores are disappearing, particularly unbiased shops, and COVID-19 is accelerating this development. Smaller cities already know this, nevertheless it’s taking place in greater cities too. So kudos that you just’ll be purchasing in a single.
The seek for low taxes is a typical chorus. Tax guidelines, like politics, can change. Tennessee has no state earnings taxes, and the phaseout of its tax on funding earnings (referred to as the Corridor Tax) shall be accomplished on Jan. 1. New Hampshire has no earnings or gross sales tax however does have a 5% tax on dividends and curiosity.
Given that almost all states have other ways of taxing earnings, funding earnings and pension earnings, this retirement tax calculator might enable you to examine taxes in several states. Nonetheless, you could need to speak to a tax professional given your deal with low taxes.
Earnings taxes, in fact, are solely a part of the equation. A method or one other, governments must pay to clear the snow, restore the roads, run the faculties and supply different companies. So you could need to take a look at different prices you’ll be paying, reminiscent of automotive registration and property taxes, or what companies aren’t coated.
One suggestion: If highly effective web service is essential to you, ask about availability before you purchase. It’s not a given in rural areas.
Lastly, you’re trying to transfer from a metropolis of 200,000 and a metro space of greater than 1 million to a small city and even outdoors one in a rural space. That’s an enormous shift. No matter neighborhood you choose, think about renting, even only for a number of months, to expertise day by day life and to check your technique for constructing a brand new social community earlier than making the transfer everlasting.
I took a take a look at the states you talked about. Listed here are three strategies to get you began.
New Hampshire’s Lake District
This area in the eastern part of the state contains among the state’s most conservative cities. Belknap County is considered one of just two counties in New Hampshire where Donald Trump won a majority of the votes in 2020 and is the one the place he fared greatest, with 54.5% of the vote. You could possibly stay in or close to Laconia (the county seat with 16,500 individuals) or Alton, a city one-third the dimensions that went for Trump by a 25-point margin. Close by Middleton, with 1,800 individuals on the northern finish of Strafford County, is one other city that went closely for Trump, however the county is closely blue.
Espresso retailers are in every single place, and breweries are plentiful, however your greatest wager for all that plus the bookstore could also be Meredith, a city on Lake Winnipesaukee, the most important lake within the state. However Trump received this Belknap County city of 6,400 by solely 69 votes, a 1.6-point margin.
One other bookstore possibility is Wolfeboro, on the other facet of the lake. Nevertheless, this city of 6,400 individuals went for Trump by a fair tinier margin. Voters in Wakefield, a barely smaller city 13 miles away — reachable by bike on the Cotton Valley Rail Trail — and in addition in Carroll County, had been a lot greater Trump followers. However Carroll County went blue. So there’s that to weigh.
In case you stay in Alton, you can ski 13 miles away in Gunstock Mountain Resort. The Portsmouth airport is 40 minutes away and the Manchester airport is an hour away. If the hospitals in Laconia and Wolfeboro can’t deal with you, you possibly can all the time faucet the medical services in these cities.
Each Meredith and Wolfeboro are 30-minute drives from Gunstock. In every case, one airport shall be an hour away, and it’ll take an additional 15 or 20 minutes to achieve the opposite. It’s a special mixture for every place, in order that’s one other consideration for you.
I’m assuming you’re good with chilly; in January, temperatures in Meredith on common attain 29 levels and get right down to 14 levels at night time. July highs common 81 levels.
If the New Hampshire cities are too small to your liking, think about this city of 17,000 in japanese Tennessee.
Greater than 77% of Sevier County’s votes went to Donald Trump, so it’s undoubtedly a conservative space. And Tennessee wins on earnings taxes, particularly beginning in 2021.
You’d be on the fringe of Great Smoky Mountains National Park and 50 minutes from the Knoxville Airport. You possibly can purpose to be nearer to Douglas Lake (a 30,000-acre reservoir and one of many largest lakes in Tennessee), a dozen or so miles away, however the West Prong of the Little Pigeon River flows by way of city. The city has a number of medical facilities, together with the College of Tennessee Regional Well being Heart-Sevierville, however there’s all the time Knoxville for extra specialised care.
Gatlinburg is 14 miles to the south, and Dollywood, in Pigeon Forge, is alongside the way in which. (Dolly Parton grew up in Sevierville.)
Your native bookstore could be Books-A-Million, quite than an unbiased store. The Gatlinburg Brewing Company has an outpost in Sevierville, and there are also a few distilleries on the town. There are extra breweries as you head towards Gatlinburg, and Knoxville, in fact, has loads,
As for snowboarding, Ober Gatlinburg, simply previous Gatlinburg, is your closest spot. You’d even be an hour and 40 minutes from the Cataloochee ski area in North Carolina. To be trustworthy, that driving time just isn’t a lot completely different than should you lived on the japanese fringe of Knoxville (suggested here), so should you want to ski there, take into consideration making an attempt to get your self nearer to I-40.
Winters must be comfy; daytime highs in January common 48 levels (common lows are 26 levels). Come July, the common excessive is 88 levels.
Right here’s what’s on the market now in Sevier County.
Charleston, West Virginia
My third suggestion is the capital of West Virginia. Dwelling to about 46,000 individuals, Charleston is also the state’s largest metropolis. You’d have an independent bookstore, a year-round farmers market, craft beer and distilleries in addition to an airport. Winterplace Ski Resort is simply over an hour away.
Conservative? Trump acquired greater than 56% of the vote in Kanawha County, which incorporates Charleston. Whereas that’s a large margin, to be honest that’s low in contrast with most different West Virginia counties. (The narrowest Trump victory was in Monongalia County, residence to Morgantown, suggested here, and West Virginia College.)
Discovering a spot to play within the water shouldn’t be an issue. The Kanawha River flows by way of city, and five boat ramps are being built or improved along the 20-mile stretch of the Elk River between Clendenin and Charleston. The Gauley River National Recreation Area, 60 miles from Charleston, is a primary white-water rafting vacation spot with over 100 rapids. New River Gorge National River, about 70 miles away, is a rugged, whitewater river flowing by way of deep canyons.
Kanawha State Park, 7 miles from Charleston, is one place to hike and bike. For one thing extra adventurous, head an hour north towards Parkersburg and check out the 72-mile North Bend Rail Trail. There’s a push to attach numerous trails so there’s a continuous stretch to Pittsburgh, 238 miles away.
In Charleston, the common excessive temperature in January is 44 levels, although nighttime lows get under freezing. In July, the common excessive is 87 levels; at night time it will get right down to 66.
Readers, the place do you suppose Kim ought to retire? Go away your strategies within the feedback part under.
Right here’s what’s on the market now in Kanawha County.