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Tennesee is Number 1 - Best States for Retirement – 2012

by Posted by John Brady on June 5th, 2012

http://www.topretirements.com/blog/great-towns/best-states-for-retirement-2012.html/?awt_l=IGDDJ&awt_m=JHemlsTV5RaAA4

Best States for Retirement – 2012

Category: Best Retirement Towns and States 

June 5, 2012 — When it comes to the best states for retirement the southern states dominate our new 2012 list. Every one of the top 10 states was from the southern part of the U.S., from Tennessee at number 1 (the northernmost state to make the list) to Nevada, the westernmost state. This year we’ve tried to make our selection process more objective. This list of the 10 best states for retirement uses a numerical scale with up to 1 point awarded on each of 7 factors related to economic issues, climate, and health care costs.

As always, we want to caution  that your best states to retire list might look completely different than this one. For example, this list might not work for you if:

- Your children or grandchildren live in another state
- Your income isn’t high enough to make taxes an important factor
- You won’t receive a pension
- Cold weather doesn’t bother you
- You have a strong preference for a geographic area like the mountains or city living
- You have enough money to retire anywhere you want.

Note that some of the states on our top 10 list do not have as many attractive places to retire as do others, which might make them less desirable for you. Every state has resort areas, places near the coast or a lake, or college towns. But states on our list like Florida and Texas offer more choices on places to live than Alabama, Louisiana, Oklahoma, or Mississippi. This might particularly apply to someone from the northeast who is looking for a more familiar environment to live in.

Fairhope Alabama attracts retirees from around the country


The seven factors we rated each state on were: Income tax, Taxation of Social Security, Taxation of Pensions, Property Taxes, Cost of Living, Health Care Insurance, and Climate. In most cases a full point was awarded for each positive applicable factor (e.g.; no tax on pensions), although a few states earned partial points. Warmer states received 1 point for more favorable climate. None of our top 10 states tax social security. All but Florida and Nevada have a very low cost of living.

 

The 10 Best States for Retirement – 2012
1. Tennessee – Taxes interest and dividends only, otherwise very tax friendly including low property tax. Lowest cost of living in the U.S. Contiguous to sunbelt. Has active program encouraging retirees to move here
2. Texas – No income tax, low cost of living, warmer climate. Property taxes higher than others in this group, although it offers some protections for seniors. Texas has 40 Certified Retirement Cities, including towns like Nacogdoches.
3. Louisiana – No tax on pensions. Lowest property taxes in the U.S. Low cost of living and warm. Louisiana used to have a program encouraging retirement districts but it appears to be inactive. The charming town of St. Francisville attracts a lot of retirees from everywhere in the country.
4. Mississippi. Pensions are not taxed, and property taxes are 4th lowest in the nation. There are 20 Certified Retirement Cities including towns like Hattiesburg and the college town of Oxford
5. Alabama – Pensions not taxed. Per capita property tax is 2nd lowest in the country. Fairhope and Huntsville are 2 interesting places to retire.

6. Arkansas – Taxes some pensions but not SS. Cost of living is 4th lowest in U.S. Hot Springs andEureka Springs are 2 popular towns for retirement.
7. Florida – No income tax, good property tax protection for full time residents against increases. Florida has dozens and dozens of nice towns for retirement.
8. Oklahoma – Taxes many pensions but low property tax. Cost of living is 3rd lowest in country. People looking for a low cost retirement by a lake might enjoy living in Lake Eufaula.
9. Georgia – Property tax higher than other states on this list. Generous income exclusion for retirement income
10. Nevada – No income tax, property tax higher than some

Please note that were several ties, which is why the ranking numbers look a little unusual. Kentucky and South Carolina were close at 11th and 12th. This link to our spreadsheet (best states retirement-2012) provides you with an excel doc that also allows you to customize the rankings/change the weightings in the event you want to use different criteria.

A word about each ranking consideration
Income tax. States that don’t have an income tax are triple winners, because they also get points for not taxing SS or pensions. It is difficult to generalize about state income taxes because most states have differing exemptions for very low income earners and/or for people over 65. Others have fairly low or high thresholds before income is taxed. Tennessee has a flat tax of 5%, other states have progressive rates based on income. Investigate before you make a decision based on income tax – in many states you might not pay any state income tax – or you might pay a lot.

Social security. It is no surprise that none of our top 10 states tax social security benefits, which supplies the bulk of most retiree income.

Taxation of pensions. This is one of the most complex areas for retirees to get good information on. Most of our top 10 states exempt all or most pensions. Some states exempt in-state, military, or federal pensions – but not private or out of state pensions. If you will receive a sizable pension — check before you move.

Property Tax. We used data from the Tax Foundation to develop our list. The 15 states with the lowest property taxes per capita got a positive point, the highest 10 states got a negative point.

Cost of Living. We used data from MissouriEconomy.org, awarding a positive point for being in the lowest 15 states, and a negative point for being in the 10 states with the highest cost of living.

Health Care Insurance Costs. Thanks to HVS Financial for providing us data on state by state cost of health insurance premiums. Their data estimated premium cost for a couple currently 65 years old, both of whom live to age 85. Premium includes Part B, D, and Medigap insurance. Although there are not tremendous differences between most states over this 20 year period, the top and the bottom are different (and they are all high!). Hawaii is the lowest with a total cost of $271,284, and New Jersey is the most expensive at $362,844. Florida was 2nd most expensive, at $362,544. We awarded .25 points to the 15 states with the lowest premiums, and a negative .25 points to the 10 highest states. Note that HVS Financial has an online health care expenses calculator that you might find useful. Thanks also to Robert Powell of WSJ MarketWatch, who suggested that we include this factor in our ratings.

Health care insurance costs are an example of yet another factor to take in consideration if you are shopping for a retirement state. And we need to point out that if you are not currently covered by an employer, COBRA, or Medicare – health care costs can be wildly different! Some states allow insurers to charge very high rates for individual policies, while others are more regulated. Check before you move!

Climate. States in or contiguous to the Sunbelt received a positive point.

Caution
We have done our best to make this list accurate and up to date. The states sometimes change their taxation policies which could affect these rankings without notice. If you are aware of something that affects these rankings, please let us know.

E.Brainerd - $194,900 - Brandermill Estates

by Paula McDaniel, Chattanooga Realtor.

East Brainerd – Brandermill Estates - $194,900 8327 Grinder Creek Place.

1179978_0307500.jpg 1179978_0120000.jpg 1179978_901250.jpg 1179978_776250.jpg 1179978_182500.jpg 1179978_0495000.jpg

This 3 bedroom home is conveniently located in Brandermill Estates Subdivision. The open floor plan has no wasted space! The great room has a vaulted ceiling, fireplace and hardwood flooring. The great room also opens into the spacious eat in kitchen that features granite counters, stainless appliances, and a pantry. The formal dining room has a vaulted ceiling and hardwood flooring. The master suite is on the main level and has hardwood flooring. The master bath has a jetted tub, separate shower and a 9'7X9'8+/- walk in closet. The upper level offers 2 bedrooms, bonus room, and walk-out attic storage. There is a large entertaining deck that overlooks your private, wooded, and level backyard. Please note that this home has a fire suppression sprinkler system and security system for lower insurance premiums. 

 

http://www.tourfactory.com/877384

MLS# 1179978

Paula McDaniel
Cell: 423-355-0311  

pmcdaniel@realtycenter.com

www.AllChattanooga.com

Prudential RealtyCenter.com

7522 E. Brainerd Rd.,
Chattanooga, TN 37421
Office: 423-899-5943
An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc.,. Equal Housing Opportunity. Licensed in TN & GA. 

Chattanooga Zoo Offering Camel Rides Beginning Saturday 5/26/12

by The Chattanoogan.com - http://www.chattanoogan.com

Chattanooga Zoo Offering Camel Rides Beginning Saturday, May 26, 2012

Thursday, May 24, 2012

A new attraction is coming to the Chattanooga Zoo Memorial Day weekend. The “best little Zoo in America” recently announced that it will now offer camel rides to visitors beginning Saturday. 

The Zoo’s two camels, Sydney and Frank, have been thoroughly trained on giving rides by professional trainers out of Indiana. The Zoo announced that both camels are fully trained and prepared to take patrons of all ages around their new track. 

Local construction company Collier Construction volunteered to build the 250-foot track. “I have two young children, and I think they are more excited than I am about the new camel track,” said Ethan Collier, president and CEO of Collier Construction. “I grew up in Chattanooga, and it’s been amazing to see the significant progress the Zoo has made in a short period of time. I’m honored that Collier Construction could partner with this local organization to bring such a fun, hands-on experience to our area.”

Chattanooga Zoo Executive Director Darde Long says being able to offer camel rides at the Zoo is something that they have always wanted to be able to offer its guests. “The addition of camel rides is just another example of how the Zoo is continuing to grow and progress. We want to thank Collier Construction for building such a wonderful track for the camels."

Camel rides are $5 per ride. Rides are dependent on weather, staff availability and the moods of the camels. For more information, call 697-1319.

Building a pondless water feature

by Paul Bianchina. Inman News. paulbianchina@inman.co

There's nothing quite like the sound of water bubbling in your backyard. A water feature can become an eye-catching landscaping feature, or a cool and tranquil backdrop that also helps block unwanted traffic or neighborhood noise.

A water feature can also be a great do-it-yourself project that just about anyone can tackle.

The term "water feature" can mean different things to different people. But if you want a stunning, low-maintenance option that's customized to your yard and your style, consider going "pondless."

Also known as a "disappearing pond," pondless water features eliminate the open pond that requires periodic maintenance to prevent algae and other problems, along with potential safety issues for small children. Instead, they use a water reservoir, a recirculating pump, and some type of rock or other feature that the water flows out of. The water filters down through a rock base over the reservoir and disappears, to be recycled endlessly.

The basic components

Pondless water features can be large or small, simple or elaborate. Their design is pretty much limited only by your imagination, ambition and budget. But they all share the same four basic design elements:

1. The reservoir: This is simply a big, relatively shallow round or square box made of a tough, high-impact resin. The box is solid on the bottom and sides to retain the water, and is perforated or slotted on the top to hold the rock while allowing the water to drain through. The top also has a removable plate to access the pump. Reservoirs come in a few different sizes, depending on how much water you want the system to process.

2. The pump: This is a submersible, 110-volt electric pump specifically designed for these applications. It sits inside the reservoir, with a filter on the inlet side to filter out impurities, and a hose on the outlet side that's routed to wherever you want the water to come out. There are several different sizes available, depending on the amount of flow desired.

3. The water outlet: The water coming from the pump exits through some type of visible outlet, and this is where your creativity can have free reign. Many water features utilize a natural piece of basalt as the center piece of the design, which is drilled to receive the hose coming from the pump. You can find basalt in many sizes and shapes, and you can use one piece alone or a grouping of several pieces with the water tumbling over all of them. Other options include decorative jugs, vases of any size or shape, actual water fountains, cherubs and other garden statues, pieces of discarded masonry, and many other objects.

4. Base rock: Finally, you'll want to cover the reservoir with a layer of rock that the water flows over and disappears into. There are many different types, sizes and colors of rock to choose from, depending on your personal preferences. You can mix and match sizes and colors, as well as incorporating pieces of natural wood, metal sculptures and other objects you might like.

Putting it all together

Select an area for the water feature, and lay out the general size and shape you want. Remember that the overall size of the rock base can be the same size as the reservoir, or it can be substantially larger.

Next, you'll need to excavate a hole for the reservoir itself. The hole should be a little wider and a littler deeper than the reservoir, to allow for leveling and backfilling. Place a layer of sand in the bottom of the hole, which will make it easier to level the unit, and also protects it from rocks. Check the level in all directions; pack some additional sand into the hole around the base to stabilize it; and then backfill up to the level of the top lip.

If you're installing a heavy water feature such as a piece of basalt, it's typically installed next, directly on top of the reservoir for stability. Be sure you have adequate help for lifting this into place; some larger pieces will even require a forklift or other machinery. Route the hose through the hole in the rock, and seal it with an approved sealant.

Install the pump in the reservoir and connect the hose. Route the wire from the pump to an exterior-approved, GFCI-protected electrical outlet, but don't plug the pump yet. Make sure the inside of the reservoir is clean, then fill it with clean water. Activate the pump and test all the connections and the flow rate. If everything looks good, install the access door on the top of the reservoir, then cover the top of the reservoir with the base rock.

Shopping

You can sometimes find small water feature kits, with a reservoir, pump and all the other components, at home centers, warehouse stores and other retailers. For larger pump and reservoir equipment, check with any local retailer that handles landscaping supplies, including nurseries or sprinkler dealers. They'll either have the materials you need in stock or they can easily order them for you. They can also work with you on the proper sizing of the pump. You can also find what you need online; start with a search for "disappearing water features," and go from there.

For basalt and other rock, check with any local retailer of rock supplies. They can also drill rock for you if you find a specific piece that you like, and can assist you with delivery and placement. As far as the electrical wiring's concerned, consult with a licensed electrician to have the proper GFCI outlet installed near the water feature's location.

Soddy Daisy – Waterfront Home - $425,000.

by Paula McDaniel, Chattanooga Realtor.


FIRST TIME OFFERED! Escape to this stunning custom designed, lake front home. As you enter the foyer, you will notice the great room with soaring ceilings, gas fireplace, and hardwood flooring. The great room also opens to the spacious kitchen with tile backsplash, bar, tile flooring, and plenty of counter and cabinet space. From the dining area, French doors will lead you to the oversized screen porch with hot tub. The master bedroom is on the main level with his and her closets. The master bath has a jetted tub and separate shower. The upper level has a loft or den area with French doors that lead to sundeck that overlooks the lake. There are also 2 bedrooms plus a bonus room or 3rd bedroom. Lower level is a full daylight/walkout basement that has a den with gas fireplace, rec room, and an unfinished area. You will love the waterfall and fish pond. There is a utility garage, two driveways and a main level two car garage. The dock and out building remain. This home is tastefully decorated and has neutral colors to fit any style. Approx. 4,065+/- sq.ft. 

 MLS# 1178820. Virtual Tour: http://www.tourfactory.com/866503

Paula McDaniel
Cell: 423-355-0311  

pmcdaniel@realtycenter.com

www.AllChattanooga.com

Prudential RealtyCenter.com

Office: 423-899-5943
An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc. Equal Housing Opportunity. Licensed in TN & GA. 

Open House 5/6/12 2-4pm. Soddy Daisy $389,900

by Paula McDaniel, Chattanooga Realtor.

Soddy Daisy – The Cove at Pine Harbor
11179 Captain’s Cove Drive.
$389,900. 4 Bedrooms and 4 Baths. Open floor plan and generous moldings throughout this home. Built by George Luttrell in the only quality he knows. Two story foyer, formal dining, spacious kitchen with granite counter tops, stainless appliances, and pantry. Master suite is on the main level with hardwood flooring. The guest suite or office with a full bathroom is also located on the main level. There are also three spacious bedrooms on the upper level as well as an extra large bonus room for all your needs. Walk out storage area. All baths have granite counter tops. There is a large screen porch and patio over looking your private backyard. Walk to the lake, restaurant, and marina. According to the subsurface sewage disposal system permit issued for this property, this property is permitted for three bedrooms. Owner/agent. MLS# 1172202 Virtual Tour: http://www.tourfactory.com/817382



Paula McDaniel
Cell: 423-355-0311 Fax: 423-598-7277
pmcdaniel@realtycenter.com www.AllChattanooga.com
Prudential RealtyCenter.com 7522 E. Brainerd Rd. Chattanooga, TN 37421
Office: 423-899-5943 © 2011 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. Licensed in TN & GA

Hixson – Walking Distance to the Valleybrook Golf and Country Club. $164,900.

by Paula McDaniel, Chattanooga Realtor.


Hixson – Walking Distance to the Valleybrook Golf and Country Club. $164,900.

This immaculate, one level home is perfect for anyone that will enjoy being within Walking distance to the Valleybrook Golf and Country Club. Open floor-plan, LIGHT & BRIGHT THROUGHOUT with 2 master suites that have sitting areas, walk in closets, as well as a split bedroom design. The vaulted great room has a gas fireplace and an abundance of natural lighting. The formal dining room opens up to the great room. The bright and sunny kitchen has a bar that opens to the great room. Enjoy the Screened porch and level yard. Publix and shopping are close by as well as many more options for restaurants, entertainment, shopping and more! MLS#1177403

Virtual tour:
 
http://www.tourfactory.com/856957

Hixson community Video:

http://youtu.be/eg5eB2V36w4 

Paula McDaniel
Cell: 423-355-0311  Fax: 423-598-7277

pmcdaniel@realtycenter.com

www.AllChattanooga.com

Prudential RealtyCenter.com

7522 E. Brainerd Rd.,
Chattanooga, TN 37421

Office: 423-899-5943
© 2011 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. Licensed in TN & GA.

OPEN HOUSE 4/22/12 2-4PM N.CHATTANOOGA $599,900

by Paula McDaniel, Chattanooga Realtor.

OPEN HOUSE 4/22/12 2-4PM N.CHATTANOOGA $599,900
3 STORY CONDO WITH PERSONAL ELEVATOR!!! 3 BEDROOMS, 3 FULL BATHS, 2 HALF BATHS, 3,750+/- SQ.FT. DECK OVERLOOKS DOWNTOWN CHATTANOOGA
534 WHITEHALL ROAD
DIRECTIONS: From Hwy 27 N., exit on Whitehall north of the river, left on Elmwood, left on Whitehall and continue to the top of Stinger's Ridge. From Frazier, go North & take left on Manning, Whitehall Rd. will be on your right, continue right at stop sign to the top of Stringer's Ridge.
Paula McDaniel
Cell: 423-355-0311 Fax: 423-598-7277
pmcdaniel@realtycenter.com
www.AllChattanooga.com
Prudential RealtyCenter.com
7522 E. Brainerd Rd.,
Chattanooga, TN 37421
Office: 423-899-5943
© 2011 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. Licensed in TN & GA.

Open House 4/22/12. 2-4PM. Apison - $399,900

by Paula McDaniel, Chattanooga Realtor.

 

Open House Sunday, 4/22/12 from 2-4PM. 

Apison - Crystal Brook Subdivision. Price has been reduced to sell.
3084 Twisted Twig Lane. $399,900. MLS#1165312.
Directions: E. on East Brainerd Road, left into Crystal Brook subdivision, right on Crystal Brook Dr., right on Twisted Twig Lane.

Paula McDaniel Cell: 423-355-0311 Fax: 423-598-7277
pmcdaniel@realtycenter.com
www.AllChattanooga.com
Prudential RealtyCenter.com
7522 E. Brainerd Rd.,
Chattanooga, TN 37421
Office: 423-899-5943
© 2011 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. Licensed in TN & GA.

E.Brainerd - Hurricane Ridge - 1 Level Home with 3 Bedrooms

by Paula McDaniel, Chattanooga Realtor.

E.Brainerd - Hurricane Ridge - 1 Level Home with 3 Bedrooms

FOR SALE

$159,900

LISTING INFORMATION

  • MLS ® : 1177280
  • BEDROOMS: 3
  • BATHS: 2
  • PARTIAL BATHS: 0
  • SQ FT: 1772
  • LOT SIZE: 125.71x150.34
  • STYLE: 1 Level
  • GARAGE: 2 Car
  • HEAT SOURCE: Gas
  • SCHOOLS: East Hamilton
  • TAXES: $1,182

PROPERTY DESCRIPTION

This one level, 3 bedroom, 2 bath home is located in the established East Brainerd neighborhood of Hurricane Creek. Great curb appeal with formal living and formal dining room, spacious kitchen with breakfast nook, hardwood flooring and pantry, large utility room, den with hardwood flooring and gas fireplace, master suite offers walk in closet and private bath. Main level garage, screen porch and deck that over looks private, wooded, and fenced backyard. Hurricane Creek is convenient to schools, shopping, entertainment and restaurants. MLS# 1177280

Paula McDaniel
Cell: 423-355-0311  Fax: 423-598-7277

pmcdaniel@realtycenter.com

www.AllChattanooga.com

Prudential RealtyCenter.com

7522 E. Brainerd Rd.,
Chattanooga, TN 37421
Office: 423-899-5943
© 2011 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. Licensed in TN & GA. 

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Photo of Paula McDaniel ABR, CRS, e-PRO, GRI Real Estate
Paula McDaniel
ABR, CRS, e-PRO, GRI
6043 Shallowford Road, Suite 101
Chattanooga TN 37421
Cell: 423-667-2997
Office: 423-362-8333
Office Direct: 423-661-3975
Fax: 423-362-8334

      

The Paula McDaniel Group
Cell: 423-667-2997 Email: info@paulamcdaniel.com
Real Estate Partners Chattanooga LLC
6043 Shallowford Road, Suite 101, Chattanooga, TN 37421. Office: 423-362-8333 
Equal Housing Opportunity. Licensed in TN and GA. It is up to the buyer to verify that all information is correct and accurate.
Displayed property listings may be held by a brokerage firm other than The Paula McDaniel Group with Real Estate Partners Chattanooga LLC.