News and information concerning the many issues Baby Boomer's face as we age.
Monday, May 28, 2012
Have We Become The People We Said Never To Trust?
Anyone who has spent all or part of their teen or growing-up years in the sixties will surely remember the famous slogan delivered from under protest banners flying high or tacked up in seedy apartments and dorm rooms decorated with day-glow posters of Bob Dylan and Jimi Hendrix.
Remember what it was? Come-on, sure you do. Here's a hint - it was one of the catch phrases of the hippies - the 'Love' generation. It went right along with, "Make Love Not War". And it was usually drawn with magic markers on rumpled 'used-to- be white', dorm room sheets.
Still nothing? Hey man you're not trying.
OK, last clue. What could the most ironic thing that millions of settled, responsible movers and shakers of today's society (us) could have said all those years ago to make us squirm now in our CEO chairs or heated leather Lexus seats?
No guesses? Really?
OK, well everyone who thinks they know the answer, jot it down on an old 'zigzag' joint paper and stuff it into the back pocket of those jeans, (despite the fact that they're three sizes larger than they were in 1968, and now fit a whole lot tighter) And even worse, you're not wearing them tight in the butt any more to be sexy! Then send it off to me in your old college laundry bag. Winners will be chosen completely at random by the judge (me) whose thoughts are likewise completely random (me again) and.... Oh forget it. You give up?
All right - well if everyone has guessed or is so stumped that they're about to give up and turn on the 24/7 'Bad-60's-sitcoms-all-night' cable channel's Beverly Hillbilly's re-run marathon, here is the answer. It was;
"Never trust anyone over Thirty."
Let me explain.
The whole irony thing slid insidiously into my consciousness the other day when I happen to hear a song that was pretty silly and pretentious forty years ago (and it hadn't improved with age) spilling out from the speakers of my Cadillac.
It was a little ditty called 'Signs' or some such title. To be honest I don't really re-call who did the thing back then nor would I recognize the singer nasally droning it out today, even if you picked him up by the scruff of the neck and bodily wumped me over the head with him.
But it was the words to the song - silly and naive as they were back then, that really started me thinking. The song, as I began to remember, was about how the middle class, up-tight, grown-ups (definitely not us back then!), had made up way too many rules in order to force their stodgy, middle class values on the free and uninhibited sprits (us - the 'cool' Baby Boomer kids). And even more insidious, the song reminded us Boomer kids back in the 60's, that the adults had put up all kinds of 'Signs' to infringe on the rights of all of us mellow, young Boomers, who asked for nothing more than to, 'let-it -all-hang-out.
As the still unknown pop vocalist of today sang about how the sign and the rules were encroaching on our freedoms and individualism, I started to get this unpleasant little nagging feeling at the back of my mind.
And then it hit me.
We were the ones who were now putting up the signs and making everyone conform. The signs that tell everyone what they can and can't do and what they better do if they know what's good for them.
For instance, the environmental movement which had started out as a quasi-religion of 'love mother earth' by free-spirited hippies in communes, has now been taken over by grim humorless bureaucrats who watch over things like 'Big Brother' and use a bewildering array of sometimes contradictory government laws to enforce their will.
For heaven sakes I heard only last week about someplace across our fruited plains where not only were you ordered to recycle, but you had to put your garbage in clear plastic bags so that the enviro police could make sure you were!
Whoa... Hey 'Bro' was this what the free spirits in the commune had in mind? Weren't we protesting the heavy hand of government telling us what to do?
It sort of reminds me of that great old movie from the 60's by Woody Allen. It was called Bananas and was about how a Latin/American freedom fighter (who looked suspiciously like Castro) changed when the 'outsiders' became the 'insiders' and could make all the rules.
As the farce, broadened into the ridiculous, I recall one scene where the dictator makes a law that everyone will have to wear clean underwear every day and they have to wear them on the outside of their clothes so that the 'Underwear Police' can check them daily.
Want another one we would have protested as infringement of free expression? How about a planned community that recently told a resident that they would have to take down their colored Christmas lights or risk a fine. Why? Because someone had passed a 'rule' that all Christmas lights had to be white! (I wonder if they not only require underwear to be worn on the outside, but mandate that it must be white as well !!) Hummm. Are we seeing a pattern here?
Or take the government itself. Now I know that I wasn't so stoned that I don't remember those protests. The ones where all we wanted was to get the government out of our lives and off of our back - right?
Now it seem like we've not just invited them to tell us what to do, but are demanding it ! You know the drill. "Why doesn't the government do something about this or "we need a law that says...." Ah uh.
There are underwear laws and white light rules in our futures folks.
Now don't get me wrong - I know that a lot of these laws and regulations have been put in place "for our own good". But wasn't that what an older generation told us forty years ago?
Ah well, maybe we should just shrug our collective shoulders, light some sandalwood incense, pass around the old bong pipe and just chalk it up to just another 'sign' of the times.
Peace dude.
"Shadow of Inocence" - Rick Wasley
http://www.kunati.com
http://www.kunati.com/shadow-of-innocence-hip-myster/
Ric Wasley has spent almost forty years wandering through corporate board rooms and honky-tonk bars. He now divides his time between writing mystery novels - Shadow or Innocence - A McCarthy Family Mystery - Published by Kunati, http://www.kunati.com , and observing the really 'juicy parts' of the human condition.
Sunday, May 27, 2012
Considering Florida For Retirement: Part 3
Note: This is Part 3 of a 3 part article on Florida and its many different regions for retirement.
In Part 1 we laid out the basic facts about the Sunshine State and Part 2 we had descriptions of 8 different regions of Florida (my definitions):
- Panhandle
- Northeast Atlantic
- Mid-Atlantic – The Space Coast
- Central Florida
- South Atlantic
- Middle Gulf – The Nature Coast
- South Gulf Coast
- The Keys
In this article which I'll will call Retirement 303, I will provide my opinion about the pluses and minuses of these regions, and why certain ones might appeal more to different people.
Please note this is not a scientific study, merely a collection of opinions. These areas are quite large, so generalizing is definitely a hazard – there will be exceptions to everything.
The state is so big that people who can warm up to the idea of living in Florida could be happy in many, if not all, parts of the state.
1. Panhandle:
This area goes from Pensacola in the west to Tallahassee (Florida’s Capital) and the Big Bend Area. Much of the population is situated along the coast in the west, while the coast is almost totally unpopulated for a huge distance between Carrabelle and Homasassa Springs to the south. The non-coastal region is similar in terrain and feel to southern Georgia.
Pros
Long Coastline
Many Bays
Moderate Home Prices
Cons
Hurricane History
Spring Breakers
Coldest winter weather in Florida (but not that cold)
Not so great airline travel options
Who Might like living in the Panhandle
The area around Pensacola and Panama City has many military bases, so it is obviously very attractive to military retirees.
People who like beaches and boating will have plenty to do in the Panhandle.
2. Northeast Atlantic
Butting up against southeastern Georgia, this part of the state has the huge Jacksonville Metro and then goes down the coast with quite a variety of different towns – from posh Ponte Vedra to rough and tumble Daytona Beach. Jacksonville is like many other fast-growing American cities, although it is in Florida it could fit in anywhere.
Pros
Big city with major sports and culture
Beaches and barrier islands on the Atlantic Ocean
History around St. Augustine
Many developments to choose from
Reasonable home prices in many communities
Cons
Crime and traffic in Jacksonville
Snowbirds might be disappointed with cooler winter temps
Who Might like living in the North Atlantic part of Florida:
Jacksonville area multi-generational communities offers a way to live near children/grandchildren
Golfers will find plenty of courses including some very high end ones in Ponte Vedra.
St. Augustine offers history
3. Mid-Atlantic – The Space Coast
The central coast of Florida might offer the least traffic and congestion of Florida’s Atlantic coastline. It has beautiful barrier islands, plenty of birds to watch, and a lower key way of life.
Pros
Less traffic and congestion
Access to nature
Affordable real estate prices
Cons
No big towns nearby
Winter ocean is cold
Medical care
Who Might enjoy living on the Space Coast:
People who are looking for a less congested, slower way of life away from big towns and cities but close to beaches might enjoy a Space Coast retirement.
4. Central Florida
The region we define as Central Florida goes from Gainesville in the north all the way through Orlando and down to Sebring. It is a relatively flat interior region with many lakes, along with the giant Ocala National Forest.
Pros
Some of the most inexpensive real estate in the U.S.
A choice of hundreds of 55+ communities, some of them very big
Opportunity to live on a lake
Places designed to retirement towns, like Winter Haven
Quieter than along the coast
Orlando Airport
Cons
It’s a drive to the beach
The Orlando area has some high crime and traffic
Quieter than along the coast
Who might like living in Central Florida
People who want a very big active community like On Top of the World or The Villages.
Bargain hunters will find the best deals in Florida.
Folks who prefer the country to the coast, including horse lovers who might gravitate to the Ocala area.
5. South Atlantic Florida
The region I'm talking about is the Atlantic coast of Florida beginning in about Stuart and going south to Miami. This part of the coast certainly has the warmest winters. It is also the most congested, and offers the greatest variety of towns to live in. From the poor cousin Pompano Beach to Rolls Royce-afflicted Palm Beach, there are many towns to choose from. Miami is one of the most unusual and complex cities in the world. It has an Art Deco tourist section on the beach, super-affluent islands, ethnic neighborhoods and culture, a thriving international business community, and quiet neighborhoods for retirees.
Pros
Warmest winters
Great variety of towns and communities
Culture
Mass transit, big airports, cruise ship departures
Cons
Higher real estate costs
Traffic
Congested
Hurricane threats
Who Might like living in the South Atlantic part of Florida
Originally, and this is still somewhat true, the east coast of Florida attracted snowbirds from the Northeast – New Jersey, New York, Connecticut, New Jersey. If you are used to a fast-paced lifestyle, attention to status, and a strong interest in things cultural, this might be the place for you.
6. Middle Gulf – The Nature Coast
Starting below Tallahassee the west coast of Florida is sparsely populated and eventually ends in the bustling Metro of St. Pete/Clearwater/Tampa. The beaches aren’t generally as well developed or populated as elsewhere in the state.
Pros
Less populated and developed
Lower prices
Nature is less disturbed
Cons
It is not generally that exciting
Fewer choices in towns and communities
Who Might like living on the Nature Coast
People who like less development and more access to nature (like the Suwanee River or an an undeveloped coast) will enjoy this area. So it appeals to those who are looking for a quiet, as well as inexpensive, place to live.
7. South Gulf Coast
For our purposes this region starts with St. Petersburg and eventually ends in Marco Island, just above the Everglades. It includes the huge St.Pete/Tampa/Clearwater Metro, sophisticated Sarasota, sprawling Ft. Myers, and chi-chi Naples. The beaches are fantastic, such as those on Sanibel or the Keys off Sarasota. There are also dozens of little towns with a low profile.
Pros
Fabulous beaches
Warm winters
Tremendous choice of towns and active communities
Wide range of where to live – from big to small
Like most of Florida, great boating, fishing, golf
Culture
Cons
A history of hurricanes
Traffic and congestion
Suburban sprawl
Who Might like living on the South Gulf Coast
As the East Coast of FL was traditionally populated with northeasterners, so is the West Coast home more often to midwesterners. Lots of retirees here followed their friends down here from western Pennsylvania, the Midwest, Canada, and West Virginia. As a result many communities have a more laid back, less frenetic pace. As just about everywhere in Florida, if you like golf, fishing, going to the beach, and shopping, you will have found your retirement heaven.
8.The Keys
Our final district starts in the Everglades below Miami and ends in Key West, the Bohemian center 90 miles from Cuba that locals refer to as Paradise. Along the way are many narrow keys, some of which host small towns and bigger ones that are home to Islamorada and Marathon. This area is about as different from Florida (and the rest of the U.S.) as it could be.
Pros
Warmest winters of all
Arguably the best fishing in U.S.
A boating paradise
Ultra-relaxed
The Keys and Key West are unique in many ways
Cons
Some of highest real estate prices in FL
A hassle to drive to the mainland
Mandatory hurricane evacuations
Sophisticated medical care is a long ways away
Who might like living in the Keys
A lot of people who live here are escaping from somewhere else. Or they are obsessed with fishing, boating, or an artistic lifestyle. Or they want a very relaxed lifestyle where shoes and shirts are optional, or where you spend more time on your bike than you do your car.
Summary
Florida has just about something for everybody, except for cold winters and mountains. Its different regions are diverse and worth exploring to find which one offers you the best fit. There is no substitute for getting out and exploring different areas and towns to see what you like and don’t like firsthand.
Resouces
Part 1
Part 2
Directory of Florida Towns and Active Communities
Comments: I hope you have enjoyed this rundown of Florida by region. I would love to hear your reactions, agreements, and disagreements with these assessments. Please let me know in the Comments section below.
View the original article here
Saturday, May 26, 2012
Consider Florida For Retirement: Part 2
Note: This is Part 2 of a 3 Part series. In Part 1 we laid out the basic facts about the Sunshine State and divided it into 8 different regions. Now we'll get a little more discriptive about each of those regions.
Panhandle
First, in Florida’s Panhandle on the Gulf of Mexico you will find towns like Panama City and Pensacola. Both are relatively low key, lower cost, and very popular with retirees. Panama City has a reputation for attracting spring breakers in the springtime. Since there is several large military bases in the area, many military retirees have decided to retire here. There are great beaches here and numerous bays – fishing and boating are topnotch.
At the start of the Panhandle in the “Big Bend Area” is Tallahassee, a completely different kind of place. A college town, it is home to both Florida State Univ. and Florida A & M. Also the state’s capital, it is considered one of the more liberal enclaves in the state (although people who view themselves as conservatives will find like-minded people too). Though not on the water, it is only an hour’s drive to very peaceful areas of the Gulf, such as Apalachicola.
The real estate market is relatively stable and slightly below the state median price. Traffic can be bad. Winters are mild. Although there is an occasional frost, the prime vegetable growing season is winter.
Northeast Florida – Jacksonville to Daytona Beach
Jacksonville is one of Florida’s 3 big urban areas, along with Tampa/St. Pete and Miami. This one tends to attract the youngest residents. There are huge suburbs and new developments. Some of these include neighborhoods for families with children, along with others designed for the 55+ crowd, an approach that is attractive to many who want to retire near their grandchildren.
Going east from the city, Jacksonville Beach offers many little neighborhoods on the beach. Jacksonville has a great airport and some of the country’s top medical facilities.
As one goes south along the beach you run into very wealthy enclaves like Ponte Vedra, home to many famous and/or wealthy people. Historic St. Augustine is an interesting, if touristy town.
Palm Coast is a massive development originally started by ITT in 1969. Now a city, it is one of the largest developments in the country. It has multiple neighborhoods and developers, and attracts families and retirees for the recreation, newer homes, and attractive prices. At $120,000, 2011 home prices were lower than the Florida median.
Finally there is Daytona Beach, site of the famed speedway. The city on the beach has somewhat of a checkered reputation as first a destination for spring breakers and now for motorcycle rallies.
Mid Atlantic – the Space Coast
From Titusville to Port St. Lucie, Florida’s Atlantic Coast tends to be overlooked. The traffic isn’t as bad, and the climate is a bit warmer in winter. Real estate is quite inexpensive, with the median home in Melbourne going for $120,000 in late 2011.
The area generally has inhabitable barrier islands that many of the nicest neighborhoods are on. It is quite easy to live very near the water. The bigger towns are on the inland side.
A drawback is that in otherwise great retirement towns like Vero Beach it is a long drive to the nearest big airport. Parts of this area were severely walloped by hurricanes in the mid 2000's. A significant percentage of the people who live in this area are retired.
Central Florida
Moving away from the coast there is the gigantic center portion of Florida, which runs from the college town of Gainesville (University of Florida) in the north to Ocala’s horse country, the major metro of Orlando, and on down to Lakeland, Winter Park, and smaller towns below that. The climate is different in central Florida – humidity is a bit lower and it gets hotter in the summer.
The area is filled with countless lakes – in many areas like Lakeland and Cypress Gardens it often seems like there is more lake than land. The housing crisis has hurt this part of Florida as hard or harder than anywhere in the country. It is filled with inexpensive active adult communities, RV communities, and inexpensive communities of manufactured homes. As an example, the median price of a home in late 2011 was $80,000 in Ocala.
Nearer the huge city of Orlando the selection of communities is more varied, going from very low budget to gated golfing communities where all the homes sell for more than a million dollars. For budget-minded retirees, we like this area. Real estate prices are cheap and there are tons of communities to choose from.
Check out places like Mount Dora and Kissimmee. Famous active communities like On Top of the World and The Villages are in this part of the state. Many people believe that central Florida is the most conservative portion of the state.
South Atlantic Coast
Stuart is not only a very cute town on the coast, it is reputed to be the northernmost part of Florida benefiting from proximity to the warming influence of the Gulf Stream.
From here south the coast gets more and more crowded, going through retirement towns like Boynton Beach, Delray Beach, Boca Raton, Palm Beach, and finally, the huge and most unusual city of Miami.
Here in this region the ocean and the beaches are beautiful. One can find any type of community for any budget here. The Century Villages (there are 4 of them) are old-line, very large active communities dotted throughout the region. Those are fairly inexpensive, but it is easy to spend plenty to live in very exclusive communities like Sailfish Point on Hutchinson Island near Stuart.
Middle Gulf – The Nature Coast
The Gulf Coast is surprisingly unpopulated in its northern regions below Tallahassee. The first town of any consequence coming from the north is Spring Hill. It has a lot of communities to live in, most of which are nothing special. It is a short drive to the beach.
Tampa/St.Petersburg/Clearwater is one of Florida’s biggest Metros. Tampa tends to be the commercial center, while St.Petersburg’s island location and many nice neighborhoods and beaches make it more relaxed. Although has a lot of interesting neighborhoods rather than 55+ developments, the city is filled with retirees. Home prices are low (about $70,000 according to City-Data.com).
Going south from there is Sarasota, a wonderful place to retire for people who are looking for culture, restaurants and a vibrant community. It has active adult developments and nice general neighborhoods. The beachfront barrier islands of Siesta Key and Longboat Key offer a chance to live on the beach but be right next to a city. Sarasota proper has a more liberal outlook than many other places in Florida.
South Gulf Coast
Fort Myers is the biggest community in this part of the state. It is a diverse community in its own right – from a very pretty and restored downtown area to sprawling developments to a very long coastline. Real estate prices are low and traffic in season is high. It has a terrific new airport and active cultural life. Towns around it and south of here offer different attractions.
In Cape Coral anybody can buy a house on a canal for well less than $100,000, whereas Punta Gorda is strikingly more upscale.
To the south Bonita Springs offers great beaches and plentiful golf. Naples and Marco Island, the last 2 towns before the Everglades start, are the decidedly upscale parts of the state. Naples has a wonderful downtown and beautiful neighborhoods on the beach, plus very expensive active adult communities on the bay.
The Keys
Starting below the Everglades on the East Coast of the State the Keys begin on a series of mangroves. Narrow Route 1 connects them to Miami over a series of bridges and narrow coral islets, ending in Key West just 90 miles from Cuba. In most places the Keys are less than 200 yards wide, although the principal towns of Marathon and Islamorada are bigger.
While great for vacationers who love the beach and fishing, the Keys are better for younger retirees than older ones. That’s because it can be a long way to Miami for healthcare, not to mention the problem of mandatory evacuations that can come in hurricane season. Property values in Key West, the tropical and bohemian paradise, are among the highest in the count
In the next post, Consider Florida For Retirement: Part 3, we'll get deeper into what would attract different types of people to the different regions.
Resources:
Directory of Florida retirement towns and active communities
Comments?
What are your favorite parts of Florida? Do you think I have characterized it accurately?
Let me know if you have any thought about it.
Panhandle
First, in Florida’s Panhandle on the Gulf of Mexico you will find towns like Panama City and Pensacola. Both are relatively low key, lower cost, and very popular with retirees. Panama City has a reputation for attracting spring breakers in the springtime. Since there is several large military bases in the area, many military retirees have decided to retire here. There are great beaches here and numerous bays – fishing and boating are topnotch.
At the start of the Panhandle in the “Big Bend Area” is Tallahassee, a completely different kind of place. A college town, it is home to both Florida State Univ. and Florida A & M. Also the state’s capital, it is considered one of the more liberal enclaves in the state (although people who view themselves as conservatives will find like-minded people too). Though not on the water, it is only an hour’s drive to very peaceful areas of the Gulf, such as Apalachicola.
The real estate market is relatively stable and slightly below the state median price. Traffic can be bad. Winters are mild. Although there is an occasional frost, the prime vegetable growing season is winter.
Northeast Florida – Jacksonville to Daytona Beach
Jacksonville is one of Florida’s 3 big urban areas, along with Tampa/St. Pete and Miami. This one tends to attract the youngest residents. There are huge suburbs and new developments. Some of these include neighborhoods for families with children, along with others designed for the 55+ crowd, an approach that is attractive to many who want to retire near their grandchildren.
Going east from the city, Jacksonville Beach offers many little neighborhoods on the beach. Jacksonville has a great airport and some of the country’s top medical facilities.
As one goes south along the beach you run into very wealthy enclaves like Ponte Vedra, home to many famous and/or wealthy people. Historic St. Augustine is an interesting, if touristy town.
Palm Coast is a massive development originally started by ITT in 1969. Now a city, it is one of the largest developments in the country. It has multiple neighborhoods and developers, and attracts families and retirees for the recreation, newer homes, and attractive prices. At $120,000, 2011 home prices were lower than the Florida median.
Finally there is Daytona Beach, site of the famed speedway. The city on the beach has somewhat of a checkered reputation as first a destination for spring breakers and now for motorcycle rallies.
Mid Atlantic – the Space Coast
From Titusville to Port St. Lucie, Florida’s Atlantic Coast tends to be overlooked. The traffic isn’t as bad, and the climate is a bit warmer in winter. Real estate is quite inexpensive, with the median home in Melbourne going for $120,000 in late 2011.
The area generally has inhabitable barrier islands that many of the nicest neighborhoods are on. It is quite easy to live very near the water. The bigger towns are on the inland side.
A drawback is that in otherwise great retirement towns like Vero Beach it is a long drive to the nearest big airport. Parts of this area were severely walloped by hurricanes in the mid 2000's. A significant percentage of the people who live in this area are retired.
Central Florida
Moving away from the coast there is the gigantic center portion of Florida, which runs from the college town of Gainesville (University of Florida) in the north to Ocala’s horse country, the major metro of Orlando, and on down to Lakeland, Winter Park, and smaller towns below that. The climate is different in central Florida – humidity is a bit lower and it gets hotter in the summer.
The area is filled with countless lakes – in many areas like Lakeland and Cypress Gardens it often seems like there is more lake than land. The housing crisis has hurt this part of Florida as hard or harder than anywhere in the country. It is filled with inexpensive active adult communities, RV communities, and inexpensive communities of manufactured homes. As an example, the median price of a home in late 2011 was $80,000 in Ocala.
Nearer the huge city of Orlando the selection of communities is more varied, going from very low budget to gated golfing communities where all the homes sell for more than a million dollars. For budget-minded retirees, we like this area. Real estate prices are cheap and there are tons of communities to choose from.
Check out places like Mount Dora and Kissimmee. Famous active communities like On Top of the World and The Villages are in this part of the state. Many people believe that central Florida is the most conservative portion of the state.
South Atlantic Coast
Stuart is not only a very cute town on the coast, it is reputed to be the northernmost part of Florida benefiting from proximity to the warming influence of the Gulf Stream.
From here south the coast gets more and more crowded, going through retirement towns like Boynton Beach, Delray Beach, Boca Raton, Palm Beach, and finally, the huge and most unusual city of Miami.
Here in this region the ocean and the beaches are beautiful. One can find any type of community for any budget here. The Century Villages (there are 4 of them) are old-line, very large active communities dotted throughout the region. Those are fairly inexpensive, but it is easy to spend plenty to live in very exclusive communities like Sailfish Point on Hutchinson Island near Stuart.
Middle Gulf – The Nature Coast
The Gulf Coast is surprisingly unpopulated in its northern regions below Tallahassee. The first town of any consequence coming from the north is Spring Hill. It has a lot of communities to live in, most of which are nothing special. It is a short drive to the beach.
Tampa/St.Petersburg/Clearwater is one of Florida’s biggest Metros. Tampa tends to be the commercial center, while St.Petersburg’s island location and many nice neighborhoods and beaches make it more relaxed. Although has a lot of interesting neighborhoods rather than 55+ developments, the city is filled with retirees. Home prices are low (about $70,000 according to City-Data.com).
Going south from there is Sarasota, a wonderful place to retire for people who are looking for culture, restaurants and a vibrant community. It has active adult developments and nice general neighborhoods. The beachfront barrier islands of Siesta Key and Longboat Key offer a chance to live on the beach but be right next to a city. Sarasota proper has a more liberal outlook than many other places in Florida.
South Gulf Coast
Fort Myers is the biggest community in this part of the state. It is a diverse community in its own right – from a very pretty and restored downtown area to sprawling developments to a very long coastline. Real estate prices are low and traffic in season is high. It has a terrific new airport and active cultural life. Towns around it and south of here offer different attractions.
In Cape Coral anybody can buy a house on a canal for well less than $100,000, whereas Punta Gorda is strikingly more upscale.
To the south Bonita Springs offers great beaches and plentiful golf. Naples and Marco Island, the last 2 towns before the Everglades start, are the decidedly upscale parts of the state. Naples has a wonderful downtown and beautiful neighborhoods on the beach, plus very expensive active adult communities on the bay.
The Keys
Starting below the Everglades on the East Coast of the State the Keys begin on a series of mangroves. Narrow Route 1 connects them to Miami over a series of bridges and narrow coral islets, ending in Key West just 90 miles from Cuba. In most places the Keys are less than 200 yards wide, although the principal towns of Marathon and Islamorada are bigger.
While great for vacationers who love the beach and fishing, the Keys are better for younger retirees than older ones. That’s because it can be a long way to Miami for healthcare, not to mention the problem of mandatory evacuations that can come in hurricane season. Property values in Key West, the tropical and bohemian paradise, are among the highest in the count
In the next post, Consider Florida For Retirement: Part 3, we'll get deeper into what would attract different types of people to the different regions.
Resources:
Directory of Florida retirement towns and active communities
Comments?
What are your favorite parts of Florida? Do you think I have characterized it accurately?
Let me know if you have any thought about it.
Friday, May 25, 2012
Consider Florida For Retirement: Part 1
There are people that “hate” Florida, and there are those that “love” it. Surprisingly, the people who don’t have a strong opinion seem to be a smaller group.
In Part 2 of this article I'll get into more about the regions and which ones might appeal to different folks better than others, but here in Part 1 I would like to provide a “Florida Retirement 101" crash course.
My objective is to help you understand this very large and popular state, which is diverse in more ways than you might think. You still might not like the idea of Florida, but at least you will know more about it.
First, a few facts
The 2010 household population was 18,800,000, the 4th most populous in the U.S. Median age is 40.7, higher than national average. Some 21% of the population is 62 and over.
Part of Florida’s geographic diversity comes from its unusual shape – it is both tall and wide. So tall and wide that it takes over a day to drive from Pensacola to Key West. Its different regions tend to attract different kinds of people, offering another kind of diversity.
Florida is the 22nd largest state, has the longest coastline in the contiguous states, and the only state to have a coastline on the Atlantic and the Gulf of Mexico. It is a very flat state, which is one of the things that people tend not to like about it (Mount Dora, at 185' is one of its “loftiest” towns).
Florida’s median home value in early 2012 was $120,600 (Zillow), about 20% lower than the U.S. median ($145,000 – Zillow, or $163,500 – NAR). According to Zillow.com the priciest metro in the state for homes is Naples ($199,000) and the most inexpensive is Ocala ($84,200).
From a tax viewpoint Florida is very friendly to retirees. There is no state income tax. There used to be a tax on intangible assets (stocks, etc.), but that has been eliminated. Sales tax is 6%. Florida has a homestead law, Save Our Homes, that protects full-time residents from property taxes above the rate of inflation.
One of the few economic negatives about Florida is that in many areas near the coast, property insurance is very expensive. Many private insurers have pulled out of the market after several bad hurricane seasons, leaving the non-profit Citizens Insurance Co. as the insurer of last resort.
Weatherwise, it is a well-known fact that Florida is pretty warm in winter and hot in summer. Along the coasts you can count on very high humidity. In the interior it will be less so. Hurricanes are a problem everywhere in the state, but worse along the coasts. Winters in the north around Tallahassee and Jacksonville will have an occasional frost, but generally warm up enough in the day for any outdoor activity. As you move south winter temps get higher and higher. Key West is the only true frost-free city in the continental U.S. – yes, even Miami has seen a few snow flakes on the rarest of occasions.
The Diverse Regions
Florida is quite representative of the U.S. from an ethnic and political basis. It has every ethnicity and political stripe – in fact many of its residents, young and old, have moved here from somewhere else. As Florida votes in our Presidential elections, so usually does the rest of the country as a whole.
We'll break the state into 8 regions:
The Panhandle
Northeast Florida – Jacksonville to Daytona Beach
Mid Atlantic – the Space Coast
Central Florida
South Atlantic Coast
Middle Gulf – The Nature Coast
South Gulf Coast
The Keys
In the next post, Consider Florida For Retirement: Part 2, we'll get into some of the differences in the 8 different regions
Resources:
Directory of Florida retirement towns and active communities
In Part 2 of this article I'll get into more about the regions and which ones might appeal to different folks better than others, but here in Part 1 I would like to provide a “Florida Retirement 101" crash course.
My objective is to help you understand this very large and popular state, which is diverse in more ways than you might think. You still might not like the idea of Florida, but at least you will know more about it.
First, a few facts
The 2010 household population was 18,800,000, the 4th most populous in the U.S. Median age is 40.7, higher than national average. Some 21% of the population is 62 and over.
Part of Florida’s geographic diversity comes from its unusual shape – it is both tall and wide. So tall and wide that it takes over a day to drive from Pensacola to Key West. Its different regions tend to attract different kinds of people, offering another kind of diversity.
Florida is the 22nd largest state, has the longest coastline in the contiguous states, and the only state to have a coastline on the Atlantic and the Gulf of Mexico. It is a very flat state, which is one of the things that people tend not to like about it (Mount Dora, at 185' is one of its “loftiest” towns).
Florida’s median home value in early 2012 was $120,600 (Zillow), about 20% lower than the U.S. median ($145,000 – Zillow, or $163,500 – NAR). According to Zillow.com the priciest metro in the state for homes is Naples ($199,000) and the most inexpensive is Ocala ($84,200).
From a tax viewpoint Florida is very friendly to retirees. There is no state income tax. There used to be a tax on intangible assets (stocks, etc.), but that has been eliminated. Sales tax is 6%. Florida has a homestead law, Save Our Homes, that protects full-time residents from property taxes above the rate of inflation.
One of the few economic negatives about Florida is that in many areas near the coast, property insurance is very expensive. Many private insurers have pulled out of the market after several bad hurricane seasons, leaving the non-profit Citizens Insurance Co. as the insurer of last resort.
Weatherwise, it is a well-known fact that Florida is pretty warm in winter and hot in summer. Along the coasts you can count on very high humidity. In the interior it will be less so. Hurricanes are a problem everywhere in the state, but worse along the coasts. Winters in the north around Tallahassee and Jacksonville will have an occasional frost, but generally warm up enough in the day for any outdoor activity. As you move south winter temps get higher and higher. Key West is the only true frost-free city in the continental U.S. – yes, even Miami has seen a few snow flakes on the rarest of occasions.
The Diverse Regions
Florida is quite representative of the U.S. from an ethnic and political basis. It has every ethnicity and political stripe – in fact many of its residents, young and old, have moved here from somewhere else. As Florida votes in our Presidential elections, so usually does the rest of the country as a whole.
We'll break the state into 8 regions:
The Panhandle
Northeast Florida – Jacksonville to Daytona Beach
Mid Atlantic – the Space Coast
Central Florida
South Atlantic Coast
Middle Gulf – The Nature Coast
South Gulf Coast
The Keys
In the next post, Consider Florida For Retirement: Part 2, we'll get into some of the differences in the 8 different regions
Resources:
Directory of Florida retirement towns and active communities
Wednesday, May 23, 2012
The County Sheriff: The Ultimate Check & Balance
I found this to be a VERY interesting little piece of information I was totally unaware of........
When the United States of America was founded the framers spent arduous hours devising a Constitution that would protect future generations from tyranny and government criminality. A system of checks and balances was established to keep all government, especially at the federal level, from becoming too powerful and abusive.
The Bill of Rights was promulgated to augment the limitations previously placed against the government, to further insure that government would stay in its proper domain.
So, what happens when government does not obey its own constitution? What punishment is meted out to politicians who vote for and pass unconstitutional laws? What happens if they appoint unlawful bureaucracies or allow their agents to violate the rights of the American citizen? The answer to these questions is both astounding and lamentable; NOTHING!
Now the question becomes even greater; who will stop criminal and out-of-control government from killing, abusing, violating, robbing, and destroying its own people? Yes, believe it or not, there is an answer to this one. The duty to stop such criminality lies with the county sheriff. The question needs to be posed to each and every sheriff of these United States; will you stand against tyranny?
The office of sheriff has a long and noble history. It dates back over a thousand years and originated in England. The sheriff is the only elected law enforcement official in America. He is the last line of defense for his citizens. He is the people's protector. He is the keeper of the peace, he is the guardian of liberty and the protector of rights. A vast majority of sheriffs will agree with all of this until they are asked to apply these principles of protection to federal criminals. Their backpeddling and excuses will be more plentiful than radar tickets and louder than sirens at doughnut time. Most of the unbelievers, who themselves have taken a solemn oath to "uphold and defend" the U S Constitution, will passionately and even apologetically exclaim that they have no authority or jurisdiction to tell federal agents to do anything, let alone stop them from victimizing local citizens. The truth and stark reality is that it's just the opposite; the sheriff has ultimate authority and law enforcement power within his jurisdiction. He is to protect and defend his citizens from all enemies, both "foreign and domestic."
Of course, there are those who will maintain that the feds have not and will not commit crimes against law-abiding citizens in this country, the IRS notwithstanding. For the sake of argument, let's just pretend that the government did nothing wrong at the Branch Davidian church in Waco or at Ruby Ridge, Idaho when citizens were killed. Those incidents have been debated and will be forever. However, the immutable truth about both tragedies remains that if the local sheriff had remained in charge of both incidents, not one person would have died, including federal agents, and the law would still have been enforced.
Despite the frequency or the severity of government abuses, if they were to happen in your county, would your sheriff intervene? Well, don't look now, but they are already occurring and some sheriffs have indeed taken very courageous stands against the feds coming in to their counties to "enforce" their laws. Cattle, lands, homes, bank accounts, cash, and even children have been seized and prisons filled all in the name of federal enforcement of EPA rules, The Endangered Species Act, IRS rules, (of which there are over 10 million pages) Forest Service and Dept. of the Interior technicalities and the list goes on and on. The sheriff of NYE County, Nevada stopped federal agents from seizing a rancher's cattle and even threatened to arrest the feds if they proceeded against his orders. Sheriffs in Wyoming have told the agents of all federal bureaus to check with them before serving any papers, making any arrests, or confiscating any property. Why? because they are doing their jobs that's why! It's just another way to provide checks and balances that ultimately protect and help citizens.
Criminality within the IRS has been well documented. Hearings about such crimes were held before congress in 1998. IRS employees testified of hundreds of crimes being committed against law-abiding citizens. Congress did nothing about it. They were too busy checking Monica Lewinsky's dress. The point remains, if any abuse occurs in your county by federal officials; does your sheriff have the guts and the authority to protect and defend you? Does that question not sound redundant? Is he not bound by oath to do just that?
Yes, he has the right and the duty to do so. In Mack/Printz v USA, the U S Supreme Court declared that the states or their political subdivisions, "are not subject to federal direction." The issue of federal authority is defined even further in this most powerful Tenth Amendment decision. The two sheriffs who brought the suit objected to being forced into federal service without compensation pursuant to some misguided provisions of the Brady Bill. The sheriffs sued the USA (Clinton adm.) and won a major landmark case in favor of States' Rights and local autonomy. In this ruling by the Supreme Court, some amazing principles were exposed regarding the lack of power and authority the federal government actually has. In fact, this is exactly the issue addressed by the court when Justice Scalia opined for the majority stating, "...the Constitution's conferral upon Congress of not all governmental powers, but only discreet, enumerated ones."
Scalia then quotes the basis of the sheriffs' suit in quoting the Tenth Amendment which affirms the limited powers doctrine, "The powers not delegated to the United States by the Constitution...are reserved to the States respectively, or to the people." To clarify this point, we need to understand that the powers and jurisdiction granted to the federal government are few, precise, and expressly defined. The feds have their assignments within constitutional boundaries and the states have theirs, as well. Scalia also mentions this, "It is incontestable that the Constitution established a system of dual sovereignty" and that the states retained "a residuary and inviolable sovereignty." Scalia even goes so far as to detail who is responsible to keep the federal government in their proper place, if or when they
decide to go beyond their allotted authority. In doing so he quotes James Madison, considered to be the father of our Constitution, "The local or municipal authorities form distinct and independent portions of the supremacy, no more subject, within their respective spheres, to the general authority [federal government] than the general authority is subject to them, within its own sphere." (The Federalist # 39) Thus, the federal government has no more authority to compel the states or the counties to do anything, no more so than the Prime Minister of Canada has.
But what happens when the inevitable occurs; when the feds get too abusive and attempt to control every facet of our lives? The Mack/Printz decision answers this also. "This separation of the two spheres is one of the constitution's structural protections of liberty. Just as the separation and independence of the coordinate branches of the federal government serve to prevent the accumulation of excessive power in any one branch, a healthy balance of power between the States and the Federal Government will reduce the risk of tyranny and abuse from either front." To quote Madison again Scalia writes, "Hence, a double security arises to the rights of the people. The different governments will control each other, at the same time that each will be controlled by itself." (The Federalist # 51) So the state governments are actually and literally charged with controlling the federal government. To do so is "one of the Constitution's structural protections of liberty." (Emphasis added)
Yes, it is regrettable that a sheriff would be put in this position. The governor and the state legislature should be preventing federal invasions into the states and counties way before the sheriff, but if it comes to the sheriff, then he must take a firm stand. James Madison also said, "We can safely rely on the disposition of state legislatures to erect barriers against the encroachments of the national authority." So when the state legislatures go along to get along and are bought off by political cronyism or the disbursement of federal funds, then the sheriff becomes the ultimate check and balance.
It is time for the sworn protectors of liberty, the sheriffs of these United States of America, to walk tall and defend us from all enemies; foreign and domestic. When sheriffs are put in the quandary of choosing between enforcing statutes from vapid politicians or keeping their oaths of office, the path and choice is clear, "I solemnly swear or affirm, that I will protect and defend the Constitution of the United States."
When the United States of America was founded the framers spent arduous hours devising a Constitution that would protect future generations from tyranny and government criminality. A system of checks and balances was established to keep all government, especially at the federal level, from becoming too powerful and abusive.
The Bill of Rights was promulgated to augment the limitations previously placed against the government, to further insure that government would stay in its proper domain.
So, what happens when government does not obey its own constitution? What punishment is meted out to politicians who vote for and pass unconstitutional laws? What happens if they appoint unlawful bureaucracies or allow their agents to violate the rights of the American citizen? The answer to these questions is both astounding and lamentable; NOTHING!
Now the question becomes even greater; who will stop criminal and out-of-control government from killing, abusing, violating, robbing, and destroying its own people? Yes, believe it or not, there is an answer to this one. The duty to stop such criminality lies with the county sheriff. The question needs to be posed to each and every sheriff of these United States; will you stand against tyranny?
The office of sheriff has a long and noble history. It dates back over a thousand years and originated in England. The sheriff is the only elected law enforcement official in America. He is the last line of defense for his citizens. He is the people's protector. He is the keeper of the peace, he is the guardian of liberty and the protector of rights. A vast majority of sheriffs will agree with all of this until they are asked to apply these principles of protection to federal criminals. Their backpeddling and excuses will be more plentiful than radar tickets and louder than sirens at doughnut time. Most of the unbelievers, who themselves have taken a solemn oath to "uphold and defend" the U S Constitution, will passionately and even apologetically exclaim that they have no authority or jurisdiction to tell federal agents to do anything, let alone stop them from victimizing local citizens. The truth and stark reality is that it's just the opposite; the sheriff has ultimate authority and law enforcement power within his jurisdiction. He is to protect and defend his citizens from all enemies, both "foreign and domestic."
Of course, there are those who will maintain that the feds have not and will not commit crimes against law-abiding citizens in this country, the IRS notwithstanding. For the sake of argument, let's just pretend that the government did nothing wrong at the Branch Davidian church in Waco or at Ruby Ridge, Idaho when citizens were killed. Those incidents have been debated and will be forever. However, the immutable truth about both tragedies remains that if the local sheriff had remained in charge of both incidents, not one person would have died, including federal agents, and the law would still have been enforced.
Despite the frequency or the severity of government abuses, if they were to happen in your county, would your sheriff intervene? Well, don't look now, but they are already occurring and some sheriffs have indeed taken very courageous stands against the feds coming in to their counties to "enforce" their laws. Cattle, lands, homes, bank accounts, cash, and even children have been seized and prisons filled all in the name of federal enforcement of EPA rules, The Endangered Species Act, IRS rules, (of which there are over 10 million pages) Forest Service and Dept. of the Interior technicalities and the list goes on and on. The sheriff of NYE County, Nevada stopped federal agents from seizing a rancher's cattle and even threatened to arrest the feds if they proceeded against his orders. Sheriffs in Wyoming have told the agents of all federal bureaus to check with them before serving any papers, making any arrests, or confiscating any property. Why? because they are doing their jobs that's why! It's just another way to provide checks and balances that ultimately protect and help citizens.
Criminality within the IRS has been well documented. Hearings about such crimes were held before congress in 1998. IRS employees testified of hundreds of crimes being committed against law-abiding citizens. Congress did nothing about it. They were too busy checking Monica Lewinsky's dress. The point remains, if any abuse occurs in your county by federal officials; does your sheriff have the guts and the authority to protect and defend you? Does that question not sound redundant? Is he not bound by oath to do just that?
Yes, he has the right and the duty to do so. In Mack/Printz v USA, the U S Supreme Court declared that the states or their political subdivisions, "are not subject to federal direction." The issue of federal authority is defined even further in this most powerful Tenth Amendment decision. The two sheriffs who brought the suit objected to being forced into federal service without compensation pursuant to some misguided provisions of the Brady Bill. The sheriffs sued the USA (Clinton adm.) and won a major landmark case in favor of States' Rights and local autonomy. In this ruling by the Supreme Court, some amazing principles were exposed regarding the lack of power and authority the federal government actually has. In fact, this is exactly the issue addressed by the court when Justice Scalia opined for the majority stating, "...the Constitution's conferral upon Congress of not all governmental powers, but only discreet, enumerated ones."
Scalia then quotes the basis of the sheriffs' suit in quoting the Tenth Amendment which affirms the limited powers doctrine, "The powers not delegated to the United States by the Constitution...are reserved to the States respectively, or to the people." To clarify this point, we need to understand that the powers and jurisdiction granted to the federal government are few, precise, and expressly defined. The feds have their assignments within constitutional boundaries and the states have theirs, as well. Scalia also mentions this, "It is incontestable that the Constitution established a system of dual sovereignty" and that the states retained "a residuary and inviolable sovereignty." Scalia even goes so far as to detail who is responsible to keep the federal government in their proper place, if or when they
decide to go beyond their allotted authority. In doing so he quotes James Madison, considered to be the father of our Constitution, "The local or municipal authorities form distinct and independent portions of the supremacy, no more subject, within their respective spheres, to the general authority [federal government] than the general authority is subject to them, within its own sphere." (The Federalist # 39) Thus, the federal government has no more authority to compel the states or the counties to do anything, no more so than the Prime Minister of Canada has.
But what happens when the inevitable occurs; when the feds get too abusive and attempt to control every facet of our lives? The Mack/Printz decision answers this also. "This separation of the two spheres is one of the constitution's structural protections of liberty. Just as the separation and independence of the coordinate branches of the federal government serve to prevent the accumulation of excessive power in any one branch, a healthy balance of power between the States and the Federal Government will reduce the risk of tyranny and abuse from either front." To quote Madison again Scalia writes, "Hence, a double security arises to the rights of the people. The different governments will control each other, at the same time that each will be controlled by itself." (The Federalist # 51) So the state governments are actually and literally charged with controlling the federal government. To do so is "one of the Constitution's structural protections of liberty." (Emphasis added)
Yes, it is regrettable that a sheriff would be put in this position. The governor and the state legislature should be preventing federal invasions into the states and counties way before the sheriff, but if it comes to the sheriff, then he must take a firm stand. James Madison also said, "We can safely rely on the disposition of state legislatures to erect barriers against the encroachments of the national authority." So when the state legislatures go along to get along and are bought off by political cronyism or the disbursement of federal funds, then the sheriff becomes the ultimate check and balance.
It is time for the sworn protectors of liberty, the sheriffs of these United States of America, to walk tall and defend us from all enemies; foreign and domestic. When sheriffs are put in the quandary of choosing between enforcing statutes from vapid politicians or keeping their oaths of office, the path and choice is clear, "I solemnly swear or affirm, that I will protect and defend the Constitution of the United States."
Tuesday, May 22, 2012
The Top Military Recording Artists
OMG! This is seriously bad.
I'm gonna go ahead a apologize ahead of time...
USMC Hammer
The Captain & Ten SEALs
My Morning Flak Jacket
The Dandy Warheads
Tank Williams, Jr.
Donny & Marine
Jeep Trick
Booker T. and the MiG's
M*A*S*H Mouth
Fatigue
Boy Slim
SEALs and Crafts
The Grateful Collateral Damage
Black Hawk Sabbath, featuring Osprey Osbourne
The Omaha Beach Boys
$500 Billion for Fighting
George's Thoroughly Good Destroyers
I warned you!!
Okay, smartypants ... Can you think of any?
View the original article here
Monday, May 21, 2012
The Happy Terrorists
A few days ago a friend was pondering over why Muslim terrorists are so quick to commit suicide.
Lets have a look at the evidence:
- No Christmas
- No television
- No football
- No pork chops
- No hot dogs
- No burgers
- No beer
- No bacon
- Rags for clothes
- Towels for hats
- Constant wailing from some idiot in a tower
- You cook over burning camel crap
- Your wife is picked by someone else for you
- More than one wife
- More than one mother in law
- You can't shave
- Your wife can't shave
- You can't wash off the smell of your donkey
- Your wife smells worse than your donkey
Lets have a look at the evidence:
- No Christmas
- No television
- No football
- No pork chops
- No hot dogs
- No burgers
- No beer
- No bacon
- Rags for clothes
- Towels for hats
- Constant wailing from some idiot in a tower
- You cook over burning camel crap
- Your wife is picked by someone else for you
- More than one wife
- More than one mother in law
- You can't shave
- Your wife can't shave
- You can't wash off the smell of your donkey
- Your wife smells worse than your donkey
then they tell them they get WHAT when they die???
Well......
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