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Love Your DIGGS

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by Love Your DIGGS

5.0(8 reviews)

12 episodes

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10/12/2018

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July 29, 2024

Top Reasons for Retirees Moving to Florida from Los Angeles

Have you ever thought about moving to Florida? I mean, we all joke about getting out of Los Angeles, but the very next comment is, “Where would we go?”. I wound up in Orlando in early 2024 for Little Girl’s 30th birthday (Hogwarts in Orlando is reputedly bigger than our version in Los Angeles). I found delightful weather, an easy airport, and great transportation. Florida does not have a state income tax, so a gal has to wonder… should I consider retiring here?! <a href="https://glendalediggs.com/retirees-moving-to-florida-los-angeles/5c2fc569-41eb-474c-9b5a-bbf1f7e68ca1_1_105_c-2/" rel="attachment wp-att-80878"></a> Why Retirees Are Considering a Move to Florida As retirees plan their next chapter in life, many are seeking destinations that offer a combination of affordability, comfort, and a vibrant community. One such destination that has caught the eye of many retirees is Florida. Known for its pleasant weather and numerous attractions, Florida presents an appealing option for those looking to leave the bustling urban environment of Los Angeles. <a href="https://www.bankrate.com/retirement/best-and-worst-states-for-retirement/#how-your-state-ranks-for-retirement"> Bankrate.com ranked Florida</a> as the eighth best place to retire. It ranks near the top for well-being and weather, but it is not the most affordable place to live. In this article, we’ll explore the top reasons why retirees are choosing to move to Florida from Los Angeles. Overview of Los Angeles and Florida Los Angeles, with its sprawling urban landscape and dynamic cultural scene, has been home to many. However, the high cost of living and fast-paced lifestyle can be overwhelming for retirees. On the other hand, Florida offers a more relaxed atmosphere, lower cost of living, and a community-oriented environment, making it an attractive option for those looking to enjoy their retirement years in peace. Why Florida is a Popular Choice for Retirees Florida has long been a popular destination for retirees for several reasons: Pleasant Climate Florida’s warm climate is a major draw for retirees. This is great news for us Los Angeles weather wimps. The humidity is more than we are used to, but there is no snow. No State Income Tax One of the most attractive financial benefits of living in Florida is the lack of state income tax. This allows retirees to keep more of their retirement income, whether it’s from pensions, social security, or investments. Active Lifestyle Opportunities Florida offers a wide range of activities that cater to an active retirement lifestyle. From golfing and fishing to boating and beach activities, there’s something for everyone to enjoy. The state’s numerous parks and recreational facilities also provide ample opportunities for outdoor activities and social gatherings. World-Class Healthcare Florida is home to some of the best healthcare facilities in the country, making it a convenient place for retirees who may need regular medical care. Many communities in Florida are located near top-rated hospitals and healthcare centers, ensuring that medical services are readily accessible. Vibrant Retirement Communities The state boasts numerous retirement communities designed specifically for seniors. These communities often include amenities such as clubhouses, fitness centers, golf courses, and organized social activities, providing retirees with a supportive and engaging environment. Accessibility Florida’s infrastructure, including its airports and highways, makes it easily accessible for family and friends to visit. This ease of travel can be an important consideration for retirees who want to stay connected with their loved ones. Cultural and Entertainment Options From theme parks and museums to theaters and music venues, Florida offers a rich cultural scene.

February 13, 2020

9 Ways To Get A Down Payment On A House

It seems impossible to get enough money for a down payment on a house. It is the most common barrier to the Great American Dream of homeownership. In spite of this, every year we help buyers buy their first home. We have learned a lot about how buyers accumulate a down payment on a house! How much money do you need for a down payment? While we are in this strong seller’s market (the sellers have more control) you need to look at things in terms of what the seller wants. And, besides a high sales price, the seller wants as little risk and inconvenience as possible. That is why 20% is considered “standard” and safe down payment on a house. Anything lower is considered a higher risk and anything higher is considered a lower risk for the seller. It is possible to get a loan with as little as 3.5% down payment- you just can’t expect to use that sort of loan to buy the home that every other buyer wants to buy. A Financial Advisor Shares 5 Ways to Get a Down Payment I asked fellow Bruin, Matt Crisafulli, to help people understand that they CAN get that down payment on a home. Many people think it is so completely out of reach they never even start the process. Matt is a fee-only financial advisor and his job, literally, is to help people achieve their financial goals. We love solving the ills of the world over breakfast and good coffee. This post is just the start. Without further ado, take it away Matt! Matt’s Five Tips Automate Your Savings. The saying “out of sight, out of mind” is your best friend when saving for a long-term goal. The less you have to think about saving to make it happen, the better off you will be. Open a separate savings account (not at your primary bank) and set up automatic transfers. The automation of this process will stop you from coming up with excuses to spend the down payment money month over month. Making sure you choose a bank other than your primary bank, will make it that much harder to transfer the funds back into your primary checking account. I recommend a high yield, online savings account for the best interest rate. It won’t be a lot of interest, but your money will be safe and you won’t be tempted to spend it. Defer Excess Income. To help you reach that savings goal a little faster, defer your salary raises and bonuses to your savings account. Receive a $500 bonus? Straight to the down payment fund. Get a 3% raise? Increase your monthly savings by 3% too! If you were comfortable living on your old salary, take your annual raise and/or bonuses and use those to supercharge your savings! The sacrifice is only temporary, and the payoff will be well worth it! Re-allocate Debt Payments to Savings. Most people have some type of debt they are paying back – an auto loan, a credit card, a personal loan, etc. – that is inhibiting their ability to save. Once one/some of those debts are paid back, reallocate those monthly payments into the down payment fund. For example, once the credit card balances are paid off, take that monthly payment, and add that to the monthly savings. The extra savings will really add up over time! Review Expenses to See Where You Can Cut Back. We don’t like to admit it, but most of us overspend in at least a few areas of our lives, such as dining out, shopping, or entertainment. Review your current spending to see if there are any areas you can cut back to help you achieve your goal of homeownership sooner. I guarantee the pain of cutting back for a short period of time will pale in comparison to the joy of buying that first property. Get a “side hustle”. When all else fails, increasing your monthly income will help you reach your savings goals. Pick up extra shifts. Volunteer for overtime. Do work for your friends. The important thing is that the excess income gets saved month over month. The side hustle doesn’t have to be a different,

November 21, 2019

Palm Springs is a Best Place To Retire

Palm Springs as a best place to retire is almost a cliché. Heck, I almost didn’t include Palm Springs in my series until my pal Paul Kaplan pointed out that I was missing the boat. His Palm Springs ain’t yo Grampa’s Palm Springs. Show Notes: Paul Kaplan – from Pasadena and lived in Palm Springs for 20 yrs. His team has 20 agents who collectively cover the entire desert. The Paul Kaplan Group was #2 in sales and recently merged with #1 in sales, Bennion Deville making them the undisputed Big Bad Mac Daddy in Palm Springs area. AND they are a local independent broker. Why is Palm Springs A Best Place To Retire? Palm Springs is the best place to retire for Southern Californians, but it used to be just a second home community. Today more retirees (and others) live in Palm Springs year-round. Baby boomers move out here before retiring, as well as lots of LA buyers who find Palm Springs far more affordable than LA. More people can work remotely, so more people buy their first home here and rent in LA. What Does a Middle-Class Retiree Buy In Palm Springs? There is a huge range of options for a retiree in Plam Springs area. Options range from condos in the low 100k to a “normal single-family home, 3/2 in Palm Springs for about $500k – $600k. People don’t often realize there are 9 or 10 so different cities in this area. In Cathedral City houses are less – a basic three-bedroom, 2 bathroom home with a pool might sell under $400k; that same home in Palm Desert maybe sells for $500k. There are lots of options. The bigger question is, “What do you want your lifestyle to be like?” What Does Each Area (or City) in Palm Springs Feel Like? The High Desert The area near Joshua Tree is not really the Coachella Valley, but I visited the <a href="https://www.integratron.com/history-about/" target="_blank" rel="noopener noreferrer">Integatron</a> (click the link- this one of a kind attraction was designed to talk to aliens) and that area is super hippy-dippy! The culture there is so different from the Palm Springs area. The High Desert is spread out and much more rustic. You get people who want quiet, peace and alone time. Great hiking and the stars are amazing. It’s not for everybody. Palm Springs Palm Springs has international notoriety, but it isn’t just that. There are lots of new hotels, new resorts, a new arena – for music and their own ice hockey! The downtown has a village vibe to it. There is a lot of local boutiques, a big art scene. Some of the most well-known art museums in the country – the Desert Art Museum. Down Valley Rancho Mirage and Palm Desert are considered Down Valley- gated golf communities in a different price range from country club condo for mid 200’s to million-dollar dwellings. Down Valley is more like the orange county of the valley- more Big Box retailers and the Paseo. What Is It Like For A Retiree To Live In The Desert? So- it’s a desert it gets hot here. Travel away from Palm Springs in August and September. People learn to adapt. You run around and exercise in the morning. Once the sun goes down it is still hot, but it is a lovely sort of heat. It’s really nice. Everybody has air conditioning and misters. Going from car to home is miserable, but Pasadena is miserable too during those months. You adapt. What Are Utility Costs Like For A Retiree In Palm Springs? For a 2000 SF Mid-Century home, you can spend as much as $1000/mo during the hottest part of the year. These homes weren’t insulated or designed for summer living. But a basic newer home is probably less than half of that. Solar is becoming quite common which can really bring down the cost of air conditioning. Retirees Are Not The Only People Who Buy In Palm Springs

12 total episodes available

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What is Love Your DIGGS?: No description available
How often does this podcast release new episodes?: This podcast updates weekly.
Where can I listen to this podcast?: This podcast is available on 7 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Yes, this podcast regularly features guests.

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