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土豪乐潭 We the Landlords • 查看主题 - 退休以后住哪里省钱?

退休以后住哪里省钱?

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退休以后住哪里省钱?

帖子texastrader » 2015-01-12 1:56

美国50个州,有7个州没有州税(state income tax)。 这7各州是:Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming。

我觉得没有州税实在是太好了。不但省钱,还免了报税的麻烦。所以我考虑以后退休的地方的时候,首先考虑没有州税的地方。可是,这七个州实在是很难选啊。

Alaska,Washington, South Dakota, Wyoming, 这四个州纬度高,冬天太冷。我不喜欢下雪天,出门不安全。最好冬天不下雪的地方。那么就只剩下三个了。

Texas夏天很热,冬天也挺冷。再说了,住了这么多年,退休后应该换个地方,不然没有新鲜感。虽然德州很大,但是德州各地气候差别不是很大。所以德州暂时先不考虑了。

Florida是个好地方。以前总觉得Florida是阳光和海滩的代名词。可是后来听说了Florida有台风,有地陷。偶尔去玩玩也就算了,天天住在那里会不会有点怕怕?

那么还剩下一个Nevada。说起Nevada首先就想起Las Vegas。Las Vegas真是好地方,灯红酒绿纸醉金迷,冬天气候不错,但是夏天那是比Texas还热啊。咱要出狼窝就不能进虎穴。但是如果不考虑Nevada,那就没地方可去了。所以咱还得想想。对了,Nevada可不止Las Vegas一个城市啊。还有北面的Reno和Lake Tahoe。由于在山里面,纬度又高,冬天也下雪的,所以周围很多滑雪场,不过离加州的旧金山很近,离三块馒头更近。所以嫌冷的话,以后每年冬天就去加州和Las Vegas避寒。有钱就买个2nd home,没钱就住Las Vegas的旅馆也很便宜的。

Reno和Lake Tahoe相比较,我更喜欢Lake Tahoe。一来是离加州更近,另外Tahoe风景也美。Reno比较单调些。所以我就选Lake Tahoe了。这几十年来Lake Tahoe的房地产涨了很多,看来没有早点去置业是缺乏远见的表现。希望等我退休还能买得起那里的房子。
texastrader
 
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new Hampshire and Tennessee don't have income tax either

帖子jeepster » 2015-01-12 9:24

Living expense in Tennessee is dirty cheap. There are big cities like Memphis and Nashville, as well as Great Smoky mountain
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Re: 退休以后住哪里省钱?

帖子jy101 » 2015-01-12 12:49

vegas here I come...........!!! @onion8@ @onion8@ @onion8@
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-12 18:51

我刚从LV回来,冬天的LV天气不错,而且吃喝玩乐样样都有,到处都是帅哥美女,我在赌场看到发牌的大凶美女,纳闷那豪赌之人,如何能集中心思赌钱。

回来路上,和闺蜜聊起,将来就两边跑,据说这样的人不少,而且驾车来往,IRS很难找到你在LV时间长过6个月的标准,这州税是稀里糊涂地省定了。

哈,要不我们一起在Lake Tahoe搞个一个度假村?中国村也行。

其实在SD和LV拥有自住房是首选,俺早这么考虑了。
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-12 22:53

SD-LV搭配也不错。但是要维持两地两个房子的开销,也是要有钱人才行。
不交加州州税的话,好像要在加州住的时间很短才行吧,不是6个月以下就可以了。具体我也不清楚。在加州有个房子的话,会不会引起IRS的怀疑?
texastrader
 
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Re: 退休以后住哪里省钱?

帖子比花花还花 » 2015-01-13 1:02

还要考虑下 house property tax. 总不能以后租房住吧?
property tax + income tax 这两个算下来有哪些州比较好?
just do it!
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比花花还花
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-13 1:22

SunshineInCA
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-13 1:24

SunshineInCA
 
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-13 11:22

花花,Nevada州的property tax也很低,比德州低得多,大概和加州差不多,甚至还稍低一些。sales tax比较高,和加州德州差不多。

阳光,如果在SD留着房子,在LV不买房子换着酒店住肯定是没法claim你是NV resident的。IRS一来auditing就完了。
texastrader
 
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Re: 退休以后住哪里省钱?

帖子梁山 » 2015-01-13 12:06

设两个家,夏秋西雅图,冬春佛州西岸,美S。
梁山
 
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Re: 退休以后住哪里省钱?

帖子jeepster » 2015-01-13 13:24

jeepster
 
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Re: 退休以后住哪里省钱?

帖子比花花还花 » 2015-01-13 13:27

  要不要搞个 Alaska Trust

see http://alaskatrust.com/about-us/the-alaska-advantage/
just do it!
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比花花还花
 
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Re: 退休以后住哪里省钱?

帖子小心翼翼的小地主 » 2015-01-13 16:28

退休还是离孩儿近比较好,可以常看到grandchildren. 或者在Disney附近,小孩愿意去。

常年生活在温室里,寿命会缩短的 @onion36@ @onion36@
小心翼翼的小地主
小心翼翼的小地主
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-13 17:05

SunshineInCA
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-13 17:07

SunshineInCA
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-13 17:13

SunshineInCA
 
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我哪都不搬

帖子千里66 » 2015-01-13 22:41

不过没事可以上你们那些地方找你们蹭饭
@onion9@ @onion9@ @onion9@
千里66
 
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-13 23:13

LV房子便宜,Lake Tehoe那边房子还是蛮贵的,特别是最近三年大概涨了60%。
由于两地气候不同,房子也不同,总的来说LV有很多比较新的房子,气派舒服又便宜。LT的房子普遍又小又旧又贵。
Yetao你说的墨西哥的房子贵不贵?不过退休住在外国总觉得怪怪的,每年去度假是可以的。
texastrader
 
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Re: 退休以后住哪里省钱?

帖子jeepster » 2015-01-14 10:40

jeepster
 
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Re: 退休以后住哪里省钱?

帖子melody2010 » 2015-01-15 1:04

去Puerto Rico,算美国,东西比美国便宜很多,冬天巨舒服,美女帅哥不少,胖子比美国本土少多了。

花花这个土豪乐谭的名字太招摇了,我有次在公司上班有空,点了一下,居然被blocked,还出了一个warning,说是suspicious website,要我申请compliance部门的许可。吓我一跳,也不知道是不是我的internet activity都被报告了。
melody2010
 
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-15 15:53

旋妹,难道你们公司把我们当做色情网站了? @onion30@
texastrader
 
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Re: 退休以后住哪里省钱?

帖子王金将 » 2015-01-24 21:16

王金将
 
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Re: 退休以后住哪里省钱?

帖子玉米地 » 2015-01-24 21:59

这几个绿色的州是节税的州
most tax-friendly and least tax-friendly states for retirees.

http://www.kiplinger.com/tool/retiremen ... -retirees/
玉米地
 
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Re: 退休以后住哪里省钱?

帖子玉米地 » 2015-01-25 9:38

这几个绿色的州是节税的州
most tax-friendly and least tax-friendly states for retirees.

http://www.kiplinger.com/tool/retiremen ... -retirees/
玉米地
 
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Re: 退休以后住哪里省钱?

帖子bq » 2015-01-27 12:51

大家准备什么情况下退休?退休前多久开始策划?退休了就什么都不干了吗?
bq
 
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Re: 退休以后住哪里省钱?

帖子jeepster » 2015-01-27 17:57

jeepster
 
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-27 23:11

退休最好是一个循序渐进的过程。太突然了,本来忙的很,一下子空下来了,心理和生理上都没法适应,会有shock的。
自由职业者比较容易控制退休的节奏。上班族就要自己想办法过渡了。
最糟糕的是事业上的强人,工作狂,没有其他爱好的,被强迫退休是一件要命的事情。这些人往往不愿意退休,一直工作到倒下为止。
财务计划只是退休的一个必要条件,而非充分条件。
为退休做准备工作,应该从小做起。多培养一些兴趣爱好,多攒一些钱,都是退休的前奏曲。慢慢的完成从为赚钱而做事到为享受而做事的转变。
texastrader
 
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Re: 退休以后住哪里省钱?

帖子bq » 2015-01-28 13:04

bq
 
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Re: 退休以后住哪里省钱?

帖子bq » 2015-01-28 13:58

bq
 
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Re: 退休以后住哪里省钱?

帖子tallcuterich » 2015-01-28 15:33

tallcuterich
 
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Re: 退休以后住哪里省钱?

帖子SunshineInCA » 2015-01-29 17:19

SunshineInCA
 
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Re: 退休以后住哪里省钱?

帖子texastrader » 2015-01-29 23:06

texastrader
 
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Re: 退休以后住哪里省钱?

帖子比花花还花 » 2015-01-31 22:03

just do it!
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Re: 退休以后住哪里省钱?

帖子muchomoney » 2015-03-25 18:10

钱多就在洛杉矶,钱少就在赌城。

洛杉矶什么都好,就是贵;赌城是最有价值的退休地,娱乐,医疗,交通,城市规模,等等。
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