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The 10 Best US Cities to Retire In

The 10 Best US Cities to Retire In

When the time comes to trade in your tie or work boots for golf clubs and a fixed-income, relocation is often something to consider. America boasts a lot of towns that are all but tailor-made for retirees looking for a more relaxed pace and less of a hit to the wallet. Check out these 10 great places to retire and start planning your escape.

bellingham

    Bellingham, WA

    Cost of Living: 9 points above national average

    State Sales Tax: 6.5%

    If the Pacific Northwest is your dream retirement spot, you could hardly find a better town than Bellingham, WA. Aside from the breathtaking views of the Pacific Ocean complete with a resident orca whale population, Bellingham boasts above average air quality, low crime, and a high walkability rating. The only downside to this college town is a price with a cost of living 9% above the national average.

    cape coral

      Cape Coral, FL

      Cost of Living: At national average

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      State Sales Tax: 6%

      This town may only be 50 years old, but that doesn’t make it any less desirable. Overlooking the Gulf of Mexico, Cape Coral scores highly for volunteering, has a warm climate, and the cost of living sits right at the national average. Combined with Florida’s 6% state tax there are few reasons not to choose this lovely town to work on your golf game.

      clemson JA SC
        flickr via JA SC

        Clemson, SC

        Cost of Living: At national average

        State Sales Tax: 6%

        Clemson is a lively college town with above average air quality, a warm climate, and a cost of living at the national average. With average home prices sitting right around $135,000, you might be able to overlook South Carolina’s state sales tax.

        tuscon

          Tuscon, AZ

          Cost of Living: 4 points below national average

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          State Sales Tax: 6%

          Tuscon, or “The Old Pueblo,” is famous for its warm climate but it also has so much more to offer retirees. Scoring high for volunteering and bike-ability, this oasis in the desert also has an abundance of doctors per capita and a cost of living 4% below the national average. The only catch is the 6% Arizona state sales tax.

          boise Charles Knowles
            flickr via Charles Knowles

            Boise, ID

            Cost of Living: 4 points above national average

            State Sales Tax: 6%

            With high rankings for volunteering, walkability, and cycling combined with an average home price around $168,000, Boise is one of the most retirement friendly state capitals around. The dry climate keeps winters manageable, although the cost of living is 4% above the national average.

            fredricksburg Baker Country Tourism
              flickr via Baker Country Tourism

              Fredricksburg, TX

              Cost of Living: 5 points below national average

              State Sales Tax: 6.25%

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              Come to Fredricksburg for the great air quality and warm climate, but stay for the low cost of living and average house price of $138,000. Fredricksburg is also super walkable with a classic small-town main street and has a microscopic crime rate, making it one of the nicest places in the country to stroll around in your ten-gallon hat.

              kentucky Dale
                flickr via Dale

                Bowling Green, KY

                Cost of Living: 6 points below national average

                State Sales Tax: 6%

                With a name like Bowling Green, who could stay away? This quiet Kentucky town isn’t as unassuming as it seems though. Every Chevrolet Corvette you see in your travels began its life here. Because of that, Bowling Green has a stable economy despite its low average house price of $138,000. Throw in a great climate and low crime rate, and this town is pretty much the full package.

                fargo Ron Reiring
                  flickr via Ron Reiring

                  Fargo, ND

                  Cost of Living: 8 points below national average

                  State Sales Tax: 5%

                  If escaping the cold isn’t your number one priority, Fargo might be the place to spend your golden years. Spend some of you leisure time taking in any of Fargo’s 8 museums or the Red River Zoo. With clean air, great volunteering opportunities, and more doctors than you can shake a stick at, Fargo could be your perfect winter wonderland.

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                  Auburn Robert S Donovan
                    flickr via Robert S. Donovan

                    Auburn, AL

                    Cost of Living: 11 points below national average

                    State Sales Tax: 4%

                    If you’re looking to retire to a town with southern charm and nary a snowflake in site, give Auburn a spin. With average house prices at $165,000, low crime, and a great economy, Auburn has a lot to offer. Enjoy the high life at 11% below the national average cost of living.

                    Utah Kenneth Lu
                      flickr via Kenneth Lu

                      Ogden, UT

                      Cost of Living: 12 points below national average

                      State Sales Tax: 4.7%

                      With majestic mountain views, a strong economy, and the lowest average housing price ($124,000) on this list, Ogden scores high in the bang-for-your-buck category. Stroll the historic Main Street or try your hand at curling on the ice sheet used during the 2002 Olympics in your spare time. Utah’s low state sales tax combined with a cost of living 12% below the national average make this mountain town a great place to call home when you decide to leave the working world behind.

                      Featured photo credit: Retirement/401(K) 2012 via flickr.com

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                      Last Updated on May 22, 2019

                      10 Simple Morning Exercises That Will Make You Feel Great All Day

                      10 Simple Morning Exercises That Will Make You Feel Great All Day

                      There are lots of studies that show if you do some exercise in the morning, you will be in a better mood all day long. You will have more energy and you will certainly be a better colleague, friend or partner.

                      One psychologist at Duke University has researched the effects of exercise on depressed patients and he has come to the conclusion that exercise has a definite role in treating this condition and has an important role in preventing people from relapsing.[1] According to the New York Times, scientists have now established that exercise also boosts your brain power.[2]

                      In addition, there are studies from the Appalachian State University which show that blood pressure can be reduced by doing regular morning exercise.[3]

                      Here are 10 simple morning exercises that will help you feel great the whole day long. You can include some of them in your morning exercise routine or do them all at home without having to enrol in a gym. Consult your doctor before starting any form of exercise routine if you are new to this.

                      1. Cat Camel Stretch

                      Stretching exercises are useful for muscle toning and also preventing arthritis. They can either be dynamic or static.

                      Dynamic ones such as the cat camel stretch, are particularly useful for doing other exercises in the morning. They are also beneficial at other times of the day, especially after long periods of sedentary work. This one is great for spinal flexibility and is a good warm up exercise.

                      Kneel down on all fours. Start by rounding your back just like a camel so that your head will try to meet your pelvis. This is the camel position. Then lower and lift your head so that your lower back is arched. This is the cat position. Do these movements slowly and smoothly. About 4 or 5 times.

                      Here’s a video to guide you through:

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                      2. Go for a Walk or a Run

                      This is better done outside so that you can connect with nature but running inside on a treadmill is almost as good. You can time yourself and increase length and time according to your fitness program.

                      Always have new goals to reach. Start with brisk walking and work up to running. At my age, I am still walking!

                      The health benefits are considerable. You can build stronger bones and you can help to maintain your weight.

                      Also, you are helping your heart to stay healthy and keeping your blood pressure low.

                      Learn more about the benefits of running here: 8 Benefits of Running 5 Minutes Every Day You Didn’t Know

                      3. Jumping Jacks

                      Michelle Obama is a great fan of this exercise and has become “Jumper in Chief.”[4] They are great for cardiovascular health and also for toning muscles especially the calves and the deltoids.

                      Stand with feet together. Jump while spreading your arms and legs. Return to first position and keep going! You can start with doing these for 1 minute and then gradually build up to the number you are comfortable with. Here’s how:

                      4. Abductor Side Lifts

                      Watch the video below to see how to do this exercise. These muscles are important because you use them everyday to run, get into the car or onto and off a bicycle. They are very important also for your core stability and prevent the pelvis from tilting.[5]

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                      Do about 10 to 15 raises for each side like this:

                      5. Balancing Table Pose

                      This is a classic yoga pose. It benefits the spine, balance, memory and concentration.

                      Start with the table pose (hands and knees). Breathe in before starting each movement. As you exhale, raise your left leg parallel to the floor as you raise the right arm, also parallel to the floor. Breathe in as you lower arm and leg. Repeat for the other side. 10 repetitions on each side is a good starting point.

                      ablab

                        6. Leg Squats

                        Not just legs are involved but also hips and knees.

                        Stand with your feet a bit further out from your hips. Arms are out in front of you. Then lower yourself as if you wanted to sit down until you reach a 90 degree angle. You can go down further if you want to. Then return to the starting position. Repeat 15 times for 2 sets for beginners.

                        The benefits are that these exercises help with knee stability and can benefit the leg muscles such as quadriceps, hamstrings and calves.[6]

                        7. Push Ups

                        You start lying down (face down) but with your body held up at arm’s length. Your hands should be in line with your shoulders. Breathe in as you lower your body. That is fairly easy. Now, as you exhale, you have to get back up to the starting position.

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                        An easier version to start with is to bend your legs at the knees so you do not have to lift your whole body.

                        Beginners may take up to a month to be able to do 100 push ups so you will have to start with a very small number and gradually increase it.

                        This exercise is great for strengthening the chest, shoulders and the triceps. It is a great strengthening exercise for many muscle groups. In fact, most muscles from the toes to the shoulders are being used.

                        8. Bicycle Crunches

                        There are numerous crunch exercises targeting the abs. The bicycle crunch is a variation where you work more muscle groups. Aim for 15 to 20 reps to start off with.

                        Watch the video to see how this is done correctly:

                        9. Lunges

                        Stand with feet shoulder width apart. Place your hand on your hips. Take one giant step forward with the right leg. Make sure the knee does not go too far forward, that is, past your toes. The left knee will go down to almost floor level. Alternate the legs as you go on.

                        Try to do a set of between 8 and 12 reps for each leg. It is important to allow for a day of rest, so this exercise should be done on alternate days, especially if you are using weights.

                        This exercise is great for strengthening and toning the quadriceps, glutes and hamstrings.

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                        10. Bicep Curls

                        You can do this sitting down so if you spend a lot of time on the phone, this is a great exercise to do.

                        Choose suitable dumbbells or another household object that you can easily hold. Sit down with the dumbbell in your hand. You need to sit forward a bit so that your triceps can lean on your thigh to give you support.

                        Then bring the weighted arm up to shoulder length and then down again. Exhale as you lift the weight and inhale as you lower it.

                        Here’re some important notes before you start doing this exercise:

                        Try to do one or two sets of about ten repetitions for each arm and then switch arms.

                        These exercises are really useful for toning the arm muscles.[7] In addition, they can strengthen and tone the brachioradialis muscle located in the forearm. These are the muscles we use to pick up things when we flex the arm at the elbow so we use these muscles countless times a day.

                        You may have to build in a rest day for the heavier exercises, numbers 6–10. On the rest days, you can do gentler stretching exercises and also some walking or running.

                        Morning exercise is not only a great mood booster, but will help you keep your weight down and also sleep better![8] Start including one or some of these exercises in your morning routine!

                        More Articles About Exercises for Beginners

                        Featured photo credit: Unsplash via unsplash.com

                        Reference

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