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Old Jun 18th, 2015 | 05:34 PM
  #21  
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That is a great idea.trying out the state. And we love the gulf?
Doesnt the sarasota/bradenton airport suffice?
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Old Jun 18th, 2015 | 05:39 PM
  #22  
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The trouble with Sarasota/Bradenton airport is the expensive expansion it underwent about 28 years ago. Since then, they have charged very high user fees to the airlines, which have responded by cutting service and raising fares. It can be difficult to find a non-stop. Many times when my parents were alive I would fly into Tampa and rent a car. It would be cheaper and more convenient.
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Old Jun 18th, 2015 | 07:37 PM
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My understanding is that people generally fly in and out of Tampa instead of Sarasota, partly because of expense and partly because of availability of flights. So, basically what Fra said! I don't know what, if any, shuttle options exist. It's not a bad drive, actually, but wouldn't get any easier as one gets older. It may not be a deal breaker.

maribethp, I love the Gulf, too
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Old Jun 19th, 2015 | 12:48 AM
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Both Tampa and Ft Myers (RSW) have many, many more flights than Sarasota. Life would be easier for you ( and all the friends and relatives who want to visit you) if you are closer to one of these places.

But maybe you don't want your relatives and friends with you every January to March!
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Old Jun 19th, 2015 | 01:55 AM
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, oh, good, I'm glad you were joking! Palmetto bugs are actually a kind of beetle, outdoor only--they get inside only by accident, not to infest your home, and they do not carry disease like the much smaller German cockroaches so common in cities"

That is really funny!! They ARE cockroaches (just not German, which are very nasty, small, and not all that common). My parents lived in Vero Beach and I was introduced to "palmetto bug" there, and they (that term) are common on up into the Carolinas!!
In NYC we just owned up to "cockroach".
Don't mean to turn the thread into an entomological discussion!! lOL
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Old Jun 19th, 2015 | 02:35 AM
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If you plan to buy instead of rent, check up on what your hurricane insurance will be (= "windstorm" insurance) as well as flood insurance, unless you avoid a mortgage. Re flood insurance: couple of years ago Congress almost shut down the federally subsidized National Flood Insurance Program, causing mass panic in the streets in coastal Florida and the Keys.

Also relevant for your situation: Florida has no income tax, yayyyy!

Florida is not the kindest state re Medicaid funding, homeless programs, quality of schools, etc.
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Old Jun 19th, 2015 | 03:42 AM
  #27  
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Gretchen is right. Although it's a nice fairytale that palmetto bugs are beetles, they are indeed flying cockroaches and do carry disease. Many people are freaked out by roaches flying in the air toward them. A few of the bugs that people call palmetto bugs are beetles, but the vast majority are indeed huge flying American cockroaches.
http://www.catseyepest.com/pest-libr...s/palmetto-bug

"- inland versus coast"
Inland is cheaper than coast. If you buy, check insurance coverage and costs.
- "north versus middle or south- we have intered in sarasota quite a few times and loved it there"
IMO north is more like south GA/ Alabama. South Florida is more like the NE. Middle is more of a mix. You'll even find a bit of cowboy country in the central peninsula.
-"senior community versus multi- age"
Only you can decide that. Check resale activity in senior communities.
Friends of that age have chosen Deland, Bartow, Tallahassee and Mount Dora for inland options.
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Old Jun 19th, 2015 | 07:09 AM
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Gretchen and starrs are only partly right.

<just not German, which are very nasty, small, and not all that common>
Au contraire, they are THE most common infesting cockroach in restaurants and dwellings.

Palmetto bugs are indeed cockroaches--I stand corrected. But they do not carry disease, and they live outdoors or in uninhabited spaces such as abandoned buildings, so pose no threat to humans.

People are "freaked out by" lots of things that live outside, often only because they're ugly. There's a metaphor in there somewhere...
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Old Jun 19th, 2015 | 07:31 AM
  #29  
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They do come inside and live in your home -

"Palmetto Bugs In The Home & The Apartment

During flooding or other times when outside conditions are unsuitable, these insects will migrate indoors and that’s when you find palmetto bugs in your home. They like to hide in dark, moist spaces like basements, sewers, crawl spaces, drains and even your dirty laundry basket! You may also find them near the bathtub or garbage can.

Since palmetto bugs are rarely seen during the day, you may not notice a problem until there is a big infestation. Know the signs of palmetto bug damage so that you can catch a palmetto bug infestation as soon as possible. These pests give off a distinct musty smell. Look for chew marks on curtains, stamps, envelopes and bookbindings — palmetto bugs love to eat anything with glue or starch. You may also notice shed skins and droppings, that look like pepper flakes, in cracks and crevices around your home.
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Old Jun 19th, 2015 | 07:34 AM
  #30  
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"Palmetto bugs are indeed cockroaches--I stand corrected. But they do not carry disease,..."

Unfortunately, more of a fairytale.

"Palmetto bugs carry a variety disease-causing pathogens from their tendency to hide in unsanitary areas like sewers and drains, and eat decaying food scraps and animals. These cockroaches can easily contaminate kitchen counters, clean dishes and food. Digestive diseases are the most common illnesses people get from palmetto bugs. Symptoms include vomiting, stomach cramps and diarrhea. Some people have allergic reactions to cockroaches or their shed skins and droppings. Allergic reactions to cockroaches include sneezing, rashes and even asthma attacks."
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Old Jun 19th, 2015 | 08:03 AM
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The suggestion I have is to rent for awhile to see if you like it or not. Many older people from my state, New Jersey, either move to Florida or spend the winters. It isn't for me, but I understand why they do.

The other suggestion is one that I know from a friend's experience was a good idea. She bought in a NEW community. That way everyone else was new and she made friends immediately.
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Old Jun 19th, 2015 | 09:52 AM
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starrs, I found citations that directly contradict yours. Since you are tireless in your prosecution of pointless arguments, I say Uncle. You win. Palmetto bugs are a terrifying scourge in the state of Florida and no one should come here because of them. Happy? I sure hope so.
;-)

SusieQQ, IME, because hardly anyone is actually *from* Florida, communities are pretty welcoming to newcomers. I'm sure the situation might be different in very small towns in the center or north of the state, which see fewer retirees and snowbirds. But really, is there a part of the state that doesn't have newcomers??

I'm not disagreeing with your friend's strategy so much as I admit being biased against new communities.
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Old Jun 19th, 2015 | 10:03 AM
  #33  
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SusieQQ, someone told me yesterday that there is an exit tax for those leaving NJ. true?
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Old Jun 19th, 2015 | 10:19 AM
  #34  
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" I say Uncle. You win. Palmetto bugs are a terrifying scourge in the state of Florida and no one should come here because of them. Happy? I sure hope so. "

Classic NewbE.

But they ARE cockroaches and they DO move into homes at times and they DO carry disease.

Are they are a reason not to move to Florida?
If you say so.

Family lived in Florida since the 50s and although your fairytale sounds nice, it's not accurate.
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Old Jun 19th, 2015 | 10:36 AM
  #35  
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Oh, heck with the palmetto bugs. It's the piles of spiders that are the real scourge. And they are everywhere. DH often gets bitten while mowing the lawn, thanks to those webs that appear overnight and stretch across the yard that you don't see until too late. One bite he has had for months that keeps resurfacing.

Yes, I know all the arguments about how beneficial they are. But I'm tired of shaking them out of my shoes, having one of those giant ones pop out at me inside the house, ducking one at face height when I go into my yard, etc.

BTW - inland is cheaper, but also hotter and more humid. My complaints aside, you will need to learn to live alongside insects, reptiles, and all the other denizens of our subtropical climate. (Hey, palmetto bugs strategically placed can get rid of houseguests who overstay their welcome..)
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Old Jun 19th, 2015 | 10:56 AM
  #36  
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"It's the piles of spiders that are the real scourge. "

My great-aunt had a pet spider in her bathroom.
Not really a "pet" but she co-existed with it because it killed all the other spiders. One day a male relative who was visiting walked out of the bathroom and a rolled up newspaper and proudly announced he had killed a spider for her. He barely escaped with HIS life.

She moved down in the early 50s from DC and was one of the first female real estate agents in the state. She was very successful, but she was successful with everything she did. She never wanted to move from Florida and she didn't until she was almost 90.

It's a great state. Just not a Disney version of a state.
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Old Jun 19th, 2015 | 11:27 AM
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Do property taxes vary by county? One person says "yay no income tax" and another says "high real estate taxes, partially offset by no income tax". I'm trying to figure out what the property tax would actually be.
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Old Jun 19th, 2015 | 01:26 PM
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sf, property taxes vary by city and county. There is no income tax. Whether that fact truly offsets your property taxes depends on your income and how you earn it.
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Old Jun 19th, 2015 | 03:11 PM
  #39  
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sf7307, you can get a ballpark idea of property taxes by accessing for sale information online.

For example, if you are shopping in the Tampa area -
http://www.realtor.com/realestateand..._FL?source=web

This home, listed for $265,000 originally sold for $209K eleven years ago. For the past three years, property taxes have been at $3600/ year.
http://www.realtor.com/realestateand...w=6&source=web

You can "shop" the state by looking at different towns and counties.

Another in Mount Dora, FL -
Listed at $279, sold in 2006 for $342K, assessed for tax purposes at $172K with annual taxes of $3289

That's a fire sale for some. If you are used to spending $700/month in property taxes, $274 a month is a big savings.
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Old Jun 19th, 2015 | 03:41 PM
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That's very interesting (and thanks) -- I was thinking real estate taxes would be like NY's, and "I" would be saving income taxes like California's. $3289 in real estate taxes would be the equivalent of a taxable income of $29,900 at California's highest income tax bracket of 11%. I'd better be making more than $29,900 or I'm not retiring LOL.
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