Friday, November 13, 2015

How to Handle Life Affairs? My Room Gave Me All the Answers!


I asked myself how to handle life affairs? 





My room gave me all the answers: 



Roof said: Aim high

Fan said: Be cool

Clock said: Value time

Calendar said: Be up to date

Wallet said: Save now for the future

Mirror said: Always observe yourself

Lamps said: Light up other's life

Wall said: Share others' load

Window said: Expand the vision

Floor said: Always be down to earth

Stairs said: Watch each step you take


The most inspiring one: 


Toilet bowl said: When it's time to let go, just let it go.... 

And the toilet paper said: Expect shit everyday !


Sunday, November 1, 2015

Where to Retire in the States?


Best States for Retirement


Considering the following factors:
  • Affordability
  • Economic Health
  • Crime Rates
  • Populations of residents age 65+
  • Tax situation for retirees (see [3,5,8,9,12,17,18,23,30])

Kiplinger has ranked the following states as the "Best States for Retirement 2015":
  1. Delaware
  2. Florida
  3. West Virginia
  4. Pennsylvania
  5. South Dakota
  6. Arizona
  7. Hawaii
  8. Iowa
  9. Kansas
  10. Wyoming

Worst States for Retirement


Similarly, based on the following considerations:
  • Total population
  • Share of population 65+
  • Cost of living
    • Health care costs
    • Median home value
  • Average income for 65+ households
  • Retiree tax picture
  • Communities and activities  
    • Intellectual environment
    • Outdoor activities
Kiplinger has ranked the following states as the "Worst States for Retirement 2015":
  1. District of Columbia
  2. California
  3. New Mexico
  4. New York
  5. Minnesota
  6. North Carolina
  7. Nebraska
  8. Oregon
  9. Utah
  10. Texas
  11. Illinois
  12. Montana
  13. Maryland
  14. Massachusetts
  15. Indiana 

Final Words


Choosing the best place to retire is a personal decision. No amount of number-crunching can make it for you. Only you can decide how close to your grandkids you want to live or whether you want to hit the road or even head abroad.

References

  1. 10 Best States for Retirment 2015
  2. Worst States for Retirement 2015
  3. Most Tax-Friendly States in the U.S.
    • 1. Delware 2. Wyoming 3. Alaska 4. Louisiana 5. Alabama 6. Mississippi 7. Arizona 8. New Mexico 9. Nevada 10. South Carolina 
  4. Nevada
    • State income tax: None
    • State Sales tax: 6.85%
    • Gas taxes and fees: 34 cents per gallon
    • The Silver State is one of nine in the U.S. that impose no income tax. Median property tax on Nevada's median home value of $165,300 is $1,423, according to the Tax Foundation.
    • Food and prescription drugs are exempt from the state’s 6.9% sales tax, but counties may tack on up to 1.3%. The average combined state and local sales tax rate is 7.9%.
    • In addition to sales taxes, vehicle owners are charged an annual “government services tax” that’s based on the vehicle’s value and age. Tax on a two-year-old vehicle with an original sticker price of $20,000 would be $238.
  5. The Worst States For Taxes
    • 1. New York 2. New Jersey 3. Connecticut 4. California 5. Wisconsin 6. Minnesota 7. Maryland 8. Rhode Island 9. Vermont 10. Pennsylvania 11. Massachusetts 12. Arkansas 13. Illinois 14. Maine 15. Delaware 16. Oregon  17. North Carolina 18. Ohio 19. West Virginia 20. Hawaii 21. Michigan 22. Indianan 23. Kentucky 24. Idaho 25  Nebraska 
    • Based on the effective tax rate for single taxpayers earning a taxable income of $50,000.
  6. America’s 50 Best Cities to Live
    • Based on a range of variables, including crime rates, employment growth, access to restaurants and attractions, educational attainment, and housing affordability, 24/7 Wall St. identified America’s 50 Best Cities to Live.
  7. 10 Cheapest U.S. Cities to Live In
    • 1. Harlingen, TX 2. Pueblo, CO 3. Norman, OK 4. Memphis, TN 5. Idaho Falls, ID 6. Youngstown, OH 7. Johnsboro, AK 8. Wichita Falls, TX 9. Temple, TX 10. Augusta, GA
    • Based on Cost of Living Index which measures prices for housing, groceries, utilities, transportation, health care, and miscellaneous goods and services
  8. Kiplinger Tax Map
  9. Top 15 Most Tax-Friendly States for Retirees
    • 1. Alaska 2. Wyoming 3. Nevada 4. Mississippi 5. Georgia 6. Delaware 7. Arizona 8. Louisiana 9, South Dakota 10. Florida 11. Pennsylvania 12. South Carolina 13. Kentucky 14. Colorado 15. Arkansas 
  10. 7 States Where Americans Are Moving
    • The following states are top destinations for Americans relocating:
      • 1. Florida 2. Texas 3. South Carolina 4. Arizona 5. Colorado 6. North Carolina 7. Oregon
  11. America's most dangerous cities: 
    • 1. Detroit  2. Memphis 3. Oakland 4. St. Louis 5. Birmingham 6. Milwaukee 7. Baltimore 8. Cleveland 9. Stockton 10. Indianapolis 
  12. Which States Tax Social Security Retirement Benefits?
    • Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont and West Virginia.
  13. Nuclear Power Plant location map
    • Safe distance: 30 miles (?)
    • (Kyodo News) "The data showed, for example, more than 1.48 million becquerels (40 microcuries) of radioactive caesium per square meter was detected in soil at a location some 250 kilometers away from the Chernobyl plant. In the case of the Fukushima Daiichi plant, the distance was much smaller at about 33 km, the officials said."
  14. 15 Worst States for Taxes on Retirees
    • 1. Vermont 2. Connecticut 3. Rhode Island 4. Minnesota 5. Oregon 6. Montana 7. California 8. Nebraska 9. New Jersey 10 New York 11 Massachusetts 12. Utah 13. Indiana 14. Maine 15. North Dakota 
  15. Great Places to Retire in Every State
    • Decatur AL, Juneau AK, Prescott AZ, Hot Springs AR, Carlsbad CA, Grand Junction  CO, Niantic CT, Milford DE, Punta Gorda FL, Sandy Springs GA, Hilo HI, Boise ID, Napperville IL, Bloomington ID, Des Moines IA, Topeka KS, Lexington KY, New Orleans LA, Bangor ME, Annapolis MD, Pittsfield MA, Ann Arbor MI, Rochester MN, Oxford MS, Columbia MO, Great Falls MO, Omaha NE, Carson City NV, Peterborough NH, Ocean City NJ, Santa Fe NM, Ithaca NY, Asheville NC, Bismark ND, Columbas OH, Tulsa OK, Portland OR, Pittsburgh PA, Providence RI, Myrtle SC, Sioux Falls SD, Chattanooga TN, Sherman TX, St George UT, Burlington VT, Roanoke VA, Spokane WA, Morgantown VA, Madison WI, Cheyenne WY
  16. 20 Best Foreign Retirement Havens For 2015
    • Australia, Belize, Canada, Chile, Columbia, Costa Rica, Croatia, Ecuador, France,  Ireland, Italy, Malaysia, Mexico, Nicaragua, Panama, The Philippines, Portugal, Spain, Thailand, Uruguay, 
  17. 10 Cities That Pay Some of the Highest Taxes in America
    • 1. Philadelphia, PA 2. Bridgeport, CT 3. Newark, NJ 4. Milwaukee, WI 5. Detroit, MI 6. Providence, RI 7. Baltimore, MD 8. Los Angels, CA 9. Portland, ME 10. Columbus, OH
  18. 10 Major Cities With the Highest Sales Tax
    • 1. Seattle, WA 2. Oakland, CA 3. Chicago, IL 4. Memphis, TN 5. Nashville, TN 6.Los Angeles, CA 7. Long Beach, CA 8. New Orleans, LA 9. New York, NY 10. San Jose, CA, San Francisco, CA (tie)
  19. Death by gun: top 20 states with highest rates
    • 1. Alaska 2. Louisiana 3. Mississippi 4. Alabama 5. Arkansas 6. Wyoming, Montana 8. Oklahoma 10. Tennessee, New Mexico 11. South Carolina 12. Missouri 13. West Virginia 14. Arizona, Idaho 16. Nevada 17. Kentucky 18. Indiana 19. Utah, Georgia
  20. The 2016 Annual Global Retirement Index—Results by Category
  21. Loads of Americans are moving out of these 18 states
    • 1. Hawaii 2. New York 3. Illinois 4. South Dakota 5. Wyoming 6. Indianan 7. Wisconsin 8. Pennsylvania 9. Minnesota 10. Ohio 11. New Jersey 12. Iowa 13. Vermont 14. Delaware 15. Connecticut 16. Nebraska 17. West Virginia 18. Louisiana   
  22. 5 States Where the Middle Class Is Being Destroyed
    • 1. Wisconsin 2. Ohio 3. North Dakota 4. Vermont 5. Nevada
  23. States With the Highest (and Lowest) Property Taxes
    • 1. New Jersey 2. Illinois 3. New Hampshire 4. Connecticut 5. Wisconsin 6. Texas 7. Nebraska 8. Michigan 9. Vermont 10. Rhode Island 11. New York 12. Ohio 13. Pennsylvania 14. Iowa 15. Kansas 16. South Dakota 17. Maine 18. Massachusetts 19. Minnesota 20. Alaska 21. North Dakota 22. Maryland 23. Washington 24. Oregon 25. Florida 26. Missouri 27. Georgia 28. Oklahoma 29. Nevada 30. Montana 31. Indiana 32. North Carolina 33. Kentucky 34. California 35. Mississippi 36. Arizona 37. Virginia 38. Tennessee 39. Idaho 40. New Mexico 41. Utah 42. Arkansas 43. Wyoming 44. Colorado 45. West Virginia 46. South Carolina 47. Delaware 48. Louisianan 49. Alabama 50. Hawaii
  24. America's most rapidly aging cities
    • 1. Atlanta 2. Raleigh 3. Las Vegas 4. Portland 5. Jacksonville 6. Denver 7. Austin 8. Phoenix 9. Sacramento 10. Tuscon
  25. America's Senior Moment: The Most Rapidly Aging Cities
  26. The 10 Best and Worst States to Make a Living in 2015
    • Best: 1. Texas 2. Washington 3. Wyoming 4. Virginia 5. Illinois 6. Michigan 7. Colorado 8. Ohio 9. Delaware 10. Utah
    • Worst: 1. Haiwaii 2. Oregon 3. Maine 4. West Virginia 5. Vermont 6. California 7. Montana 8. South Dakota 9. Rhode Island 10. Connecticut 
  27. 9 Worst U.S. States To Retire
    • 1. New York 2. Washington D. C. 3. California 4. Oregon 5. Hawaii 6. New Jersey 7. North Carolina 8. Minnesota 9. Illinois
  28. Gun Laws by State
  29. America's fastest-growing cities 2016
    • 1. Austin, TX 2. San Francisco, CA 3. Dallas, TX 4. Seattle, WA 5. Salt Lake City, UT 6. Ogden, UT 7. Orlando, FL 8. San Jose, CA 9. Raleigh, NC 10. Cape Coral, FL 11. Denver, CO 12. San Diego, CA 13. Oakland, CA 14. Charlotte, NC 15. Phoenix, AZ 16. Portland, OR 17. Boise City, ID 18. Las Vegas, NV 19. North Port, FL 20. Fort Lauderdale, FL 
  30. 15 States with the Highest Property Taxes
    • 1 New Jersey 2 Illinois 3 New Hampshire 4 Wisconsin 5 Texas 6 Connecticut 7 Nebraska 8 Michigan 9 Vermont 10 Rhode Island 11 New York 12 Ohio 13 Pennsylvania 14 Iowa 15 Kansas
  31. The 50 best places to live in America
  32. Here's where more people are dying than being born in America
  33. 25 Best Places to Retire (2014)
    • 1. Abilene, TX 2. Auburn, AL, 3. Austin, TX 4. Bellingham, WA 5.  Blacksburg, VA 6. Bluffton, SC 7. Boise, ID 8. Bowling Green, KY 9. Brevard, NC 10. Cape Coral 11. Charleston, SC 12. Clemson, SC 13. Fargo, ND 14. Frederisksburg, TX 15. Las Cruces, NM 16. Morgan Town, WV 17. Ogden, UT 18. Oklahoma City, OK 19. Pittsburgh, PA 20. Port Saint Lucie, FL 21. Salt Lake City, UT 22. San Angelo, TX 23. State College, PA 24. Tuscon, AZ 25. Venice, FL
  34. 13 States That No One Moves To Anymore
    • 1. California 2. Vermont 3. Alaska 4. Maine 5. West Virginia 6. Georgia 7. New York 8. Florida 9. Texas 10. Illinois 11. Mississippi 12. Michigan 13. Arizona
  35. The Best And Worst States For Taxes
    • Big three: income , sales and property taxes
    • 1. Wyoming 2. Alaska 3. South Dakota 4. Texas 5. Louisina 6. Tenessee 7. New Hampshire 8. Nevada 9. South Carolina 10. Alabama 11. Mississippi 12. Oklahoma 13. Montana 14. New Mexico 15. North Dakota 16. Georgia 17. Arizona 18. Missouri 19. Colorado 20. Florida 21. Virginia 22. Iowa 23. Utah 24. Washington 25. Kansas 26. Nebraska 27. Idaho 28. Kentucky 29. Indianna 30. Michigan 31. Haiwaii 32. West Virginia 33. Ohio 34. North Carolina 35. Oregon 36. Delaware 37. Maine 38. Illinois 39. Arkansas 40. Massachusettes 41. Pennsylvania 42. Vermont 43. Rhode Island 44. Maryland 45. Minnesota 46. Wisconsin 47. California 48. Connecticut 49. New Jersey 50. New York
  36. Best Places to Retire (Forbes)
  37. 10 Cities Americans Are Moving To Right Now
    • 1. Tampa, FL 2. Jacksonville, FL 3. Charlotte, NC 4. San Antonio, TX 5. Austin, TX 6. Las Vegas, NV 7. Orlando, FL 8. Nashville, TN 9. Raleigh, NC 10. Portland, OR
  38. 25 Best Places to Retire (2016)
    • 1. Abilene, TX 2. Apache Junction, AZ 3. Athens, GA 4. Bella Vista, AK 5. Blacksburg, VA 6. Bluffton, SC 7. Brevard, NC 8. Cape Coral, FL 9. Clermont, FL 10. Colorado Springs, CO 11. Columbia, MO 12. Corvallis, OR 13. Fargo, ND 14. Grand Prairie, TX 15. Largo, FL 16. Lexington, KY 17. Lincoln, NE Meridian, ID 19. Mount Airy, NC 20. Pittsburgh, PA 21. San Marcos, TX 22. Smyrna, TN 23. Traverse City, MI 24. The Villages, FL 25. Walla Walla, WA
  39. Move to Your Dream Destination BEFORE You Retire …
  40. Best and Worst States to Retire Rich
    • 1. Delaware, 2. Michigan, 3. Indiana, 4. Maryland, 5. Florida, 6. New Jersey, 7. Pennsylvania, 8. Mississippi, 9. Ohio, 10. Georgia
      • Delaware tops the list of best states to retire rich thanks to two components: taxes and healthcare costs
  41. The 5 best states to retire to that AREN’T Florida or Arizona
    • South Dakota, Virginia, Kentucky, Utah, Wyoming
  42. EVERY STATE, RANKED BY HOW MISERABLE ITS WINTERS ARE
  43. An aging population 
  44. Top 100 Best Places to Live
  45. Best States Overall Ranking