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Tuesday, May 1, 2018 - 10:30am

3 Things Retirees Should Consider When Deciding Whether To

Rent Or Own A Home

 

Home ownership has long held an honored position as an integral part of the American dream. 

 

But when retirement time comes, rethinking that dream could be in order. Sometimes renting a house or apartment is the better bet both financially and in terms of the retiree’s changing lifestyle and health, says Eric Kearney (www.erickearneyadvisor.com), an investment advisor for Retirement Wealth.

 

“When people plan for retirement, they focus on things like how much they have saved, how much Social Security will pay, and whether they have pension,” Kearney says. “But as you get older, you also need to think about such issues as whether you can keep mowing the lawn or handling other day-to-day chores that homeownership requires. If you must hire someone to do them for you, how much will that eat into what may already be a tight monthly budget?”

 

The truth: There’s no answer that will fit everyone’s situation, he says. So retirees, or those approaching retirement, should weigh their personal pros and cons.

 

“There’s a lot to think about,” he says. “Should you sell the house you raised your family in and downsize to something more suitable for just the two of you? If you’re planning to move to somewhere else in the country to enjoy your retirement, is it more prudent to buy in that new location, or is leasing the way to go to give you more flexibility if it doesn’t work out?”

 

Some things retirees should think about as they ponder the own vs. rent question include:

  • Maintenance issues. When you own a home, every leaky faucet, electrical problem or faulty appliance is yours to handle as best you can. If you can do it yourself, great; but often, these household repairs mean calling in a professional at a sometimes exorbitant cost. When you rent, it’s up to the landlord or the property management company to take care of the repairs.
  • Mobility. Selling a house can be a long and complicated process, and you never know what the market might be like when the time arrives. Whereas breaking a lease is much simpler. “If your children are scattered all over the country, you may want to move closer to one of them,” Kearney says. “Also, if your health takes a turn for the worse, selling a home can be a significant burden on your family.”
  • The inheritance. For many people, a house is the most valuable asset in their estate and they might want to leave it to their children in the will. Once again, it’s a matter of weighing the pros and cons. “Having a home to pass down to the children is a noble gesture, but it is not always feasible,” Kearney says.

“Before considering whether owning or renting is the right option,” Kearney says, “it’s essential to review all the intricacies of your situation and decide based on your finances and your overall health and well-being.”

 

About Eric Kearney

Eric Kearney (www.erickearneyadvisor.com) of Retirement Wealth, with Florida offices in Cape Coral, Punta Gorda and Bonita Springs, has been helping clients reach and maintain their financial goals for more than 16 years. Eric co-authored a book with Forbes Media Chairman/Editor-in- Chief Steve Forbes, Successonomics. His professional licenses include a Series 65, Series 7 Securities License and a Life and Health Insurance License. He teaches successful pre- and post-retirees a wealth management course titled “Rejuvenate Your Retirement” at Florida SouthWestern State College and Florida Gulf Coast University.

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With April 29 kicking off National Small Business Week and sweeping business tax reform recently signed into law by President Donald Trump, the personal-finance website WalletHub today released its report on 2018’s Best Large Cities to Start a Business.

In order to help aspiring entrepreneurs maximize their chances for long-term prosperity, WalletHub compared more than 180 U.S. cities across 19 key indicators of startup viability. The data set ranges from five-year business-survival rate to office-space affordability.
 

Best Large Cities to Start a Business

1

Oklahoma City, OK

 

11

Salt Lake City, UT

2

Austin, TX

 

12

Denver, CO

3

Sioux Falls, SD

 

13

Grand Rapids, MI

4

Missoula, MT

 

14

Miami, FL

5

Durham, NC

 

15

Orlando, FL

6

Bismarck, ND

 

16

Springfield, MO

7

Cheyenne, WY

 

17

Casper, WY

8

Billings, MT

 

18

Laredo, TX

9

Charlotte, NC

 

19

Atlanta, GA

10

Raleigh, NC

 

20

Fort Worth, TX

Best vs. Worst

  • Lewiston, Maine, has the lowest average annual rent for office space, $10.19 per square foot, which is 7.9 times cheaper than in San Francisco, the city with the highest at $80.22 per square foot.
     
  • Detroit has the lowest labor costs (median annual income), $26,249, which is 4.3 times lower than in Fremont, Calif., the city with the highest at $111,613.
     
  • Laredo, Texas, has the lowest cost-of-living index, 77, which is 2.5 times lower than in San Francisco, the city with the highest at 193.
     
  • Irvine, Calif., has the highest share of college-educated population, 68 percent, which is 6.1 times higher than in San Bernardino, Calif., the city with the lowest at 11.2 percent.
     
  • Miami, Hialeah, Fort Lauderdale & Pembroke Pines, Fla. have the most startups per 100,000 residents, 234.72, which is 12.6 times more than in Columbus, Ga., the city with the fewest at 18.56.

 
To view the full report and your city’s rank, please visit: 
https://wallethub.com/edu/best-cities-to-start-a-business/2281/  

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Governor Herbert Declares May as Month of the Bird in Utah

A number of events lined up in the state for Utahns to enjoy and celebrate birds

SALT LAKE CITY, Utah. (April 30, 2018) – Governor Gary R. Herbert has declared May 2018 as the Month of the Bird in Utah. The declaration celebrates native and migratory birds making their way through Utah this time of year and the Beehive State’s remarkable landscapes and water resources that support them.

“May is a great month for residents and visitors to celebrate the important and inspirational role of birds that live in and migrate through our state. I want to thank National Audubon Society for their efforts in protecting birds and the places they need in Utah and beyond,” said Governor Gary R. Herbert.

A number of longstanding events providing educational and recreational birding opportunities occur in Utah every May, such as the Great Salt Lake Bird Festival, now in its 20th year.

Home to 22 Important Bird Areas and more than 400 observed species, the Governor’s declaration recognizes that Utah’s natural resources provide important habitat for birds. Great Salt Lake and its wetlands, for instance, serve as an important breeding and stopover area for millions of migratory birds each year.

“The wonders of Great Salt Lake hold something for everyone. Seeing Killdeer around the shores of the lake takes me back to my childhood growing up on a farm in Delta - it was always my favorite bird,” said Michael Styler, executive director for Utah’s Department of Natural Resources. “The Department of Natural Resources, along with other local, state, and federal partners, conservation organizations, academia, and businesses, play important and shared roles in protecting Great Salt Lake for migratory birds.”

In addition to May as Month of the Bird in Utah, people around the world are celebrating 2018 as Year of the Bird. This year marks the centennial of the Migratory Bird Treaty Act, one of the oldest wildlife protection laws in the United States. In honor of this milestone, National Geographic, Audubon, Cornell Lab of Ornithology, BirdLife International, and dozens of other partners around the world joined forces to celebrate 2018 as the Year of the Bird.

“Year of the Bird is an easy way people can take small everyday actions to help birds along their journeys,” said David Yarnold, president and CEO for National Audubon Society. “Utah is a critical stopover for birds like the Western Sandpiper that refuel at Great Salt Lake on their way to nest and raise their young in Alaska. We’d like to thank Governor Herbert for declaring May as Month of the Bird and recognizing the importance of birds and the places we share.”

Many conservation organizations, businesses and academics have been instrumental in protecting birds and the places they need in Utah. In celebrating May as the Month of the Bird and 2018 Year of the Bird, there is great appreciation for the efforts of many organizations, including local Audubon chapters, The Nature Conservancy in Utah, FRIENDS of Great Salt Lake, Great Salt Lake Institute (Westminster College), waterfowl associations and duck clubs, and many others.

Upcoming events include:

 

 

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Announces Rhode Island Show with Sworn Enemy 

on June 9th

  

 

Tickets Are Available For Purchase HERE

  

New York, NY - April 30, 2018 - 90s Hardcore band GrudgeHolder announces show at Club Alchemy in Rhode Island on June 9th. The Boston natives will be sharing the stage with Sworn Enemy, Departed, Scars Of Deceit, One Less Scumbag, Held Hostage, and Built For Battle. Tickets are available for purchase HERE.

 

This news comes shortly after GrudgeHolder announced joining the July 27th Mansfield, MA and July 28th Wantagh, NY dates for The 2018 Vans Warped Tour. Topping it off, the band will be performing at this year's Black N' Blue Bowl at Brooklyn Bazaar on May 19th. For more information on tour dates, fans can visit the band's Facebook page HERE.

 

GrudgeHolder recently announced their reunion, which features original members Paul Travers (vocals), Jay Monteiro (drums) and Tom Kelly (guitar). The band is joined by newest member Marc "Mackie" Montague (bass), who was a former road crew and longtime friend of the band. You can download the bands 1999 release Amongst The Wolves via SoundCloud HERE, to check out popular songs like "Underestimate Me", "My Way", and "Who Will Carry The Cross". Known for their aggressive rapid-fire vocals and hip-hop infused beats, the band is already writing new songs and they are some of the hardest tracks they've written to date. Fans can expect a new EP from the band this fall. Prior to the EP recording, the band will be entering the studio in June to record two cover songs for the Freedom Soundworks' Classics vs Classics covers comp vol 2. They will be recording "Beat It" by Michael Jackson and "What's At Stake" by Boston's own Slapshot.

 

The four-piece formed as high-school teenagers in Travers' sweaty stone basement in the Summer of 1992. Within six months they started landing opening spots for national touring acts like Pro-Pain, Nuclear Assault, Earth Crisis, Tension*, Hatebreed as well as local Boston legends Blood For Blood and NYHC icons Sick of It All, Madball, Murphy's Law and Crown of Thornz.Due to the band's booming fan base in the hardcore scene, they were able to land a record deal with Vulture Entertainment in 1998, who released the band's first full length album Amongst the Wolves that same year. Despite numerous success after the album release GrudgeHolder broke up in 1999 but continued to play various reunion shows including a sold out set as official artists of the 2009 CMJ Music Festival in Manhattan, NY.

 

Upcoming Tour Dates:

May 19 - Brooklyn, NY @ Brooklyn Bazaar for Black N' Blue Bowl 

June 9 - Providence, RI @ Alchemy with Sworn Enemy 

July 27 - Mansfield, MA @ Xfinity Center for Vans Warped Tour 

July 28 - Wantagh, NY @ Nikon at Jones Beach Theater for Vans Warped Tour

 

Follow GrudgeHolder:

Facebook: https://www.facebook.com/GrudgeHolder/ 

Instagram: https://www.instagram.com/grudgeholderboston/ 

Soundcloud: https://soundcloud.com/grudgeholder 

 

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