I recently purchased a home in Jersey, and took out a 15 year mortgage. I have called Jersey home all 39 years of my life, and besides cold Winters, and congestion I still love it. When I was 18 my whole family moved to Florida. I had just graduated High School, and I decided to stay behind in Jersey with some friends, and their family. My parents, and 3 siblings all younger moved to Florida then. as well as my mothers parents. A lot of my family had already been living down there. My dad died in 2007, and my mom sold their house, and moved in with my Grandparents who are now in their 80s, and at 58 she is better off helping to take care of her parents since they are in their 80s, and my Grandfather can no longer drive, and my Grandmother has never had a license her whole life. Recently they bought the condo I was renting in Cape May, and are using it as their Summer home. I figure when my house is paid off I will be about 54 years old, but hopefully I may be able to have it paid off sooner. I am hoping to retire at that age, and maybe settle somewhere else cheaper, and use the money I get from the house to get a place cheaper where I can surf year round. With mild weather year round even though I do like a nice snowfall or two or three every Winter. I am no engaged, and plan to start a family or have maybe just one child. I would have moved already, but my fiance does not wanna move far from her parents or feels bad to move far away from there. Florida is kinda overrated to me. I spent a lot of Summers in of my childhood in Ormond Beach, and I wasn't Surfing at that point yet, but once I did start I did prefer Jerseys swells over Floridas. Maybe just biased opinion. I would love to move to Hawaii, but it seems a decent condo there is as much as as a decent house in Jersey. At least in most places. I can't say Surfing is my entire life, or everything I live for. I do have other hobbies like Motocross, and Jet Skiing. At this point though I would say I do more Surfing. I have only been living on the Shore for about 8 years now. I would love to be able to enjoy living in a nice coastal area with good swells. My family in Florida are on the Gulf Coast in the St Pete/Treasure Island/Madeira Beach area. Not a great Surfing spot. So I guess I am interested in knowing what others plan to do as they get older. I realize I am probably not one of the younger people on here, but as of now where do you all envision yourself going as you get older? What do you want to do with yourselves when you get older, and realistically where would you like to relocate? Florida is a great place to sit on a beach, and enjoy the climate, and lifestyle, and in some areas you can go in the water year round. I have been told there are great breaks out there, but I wouldn't wanna relocate there. I love California's surf, but I have never wanted to, or even considered living there at any point in my life. Sometimes Puerto Rico sounds real nice. I am going there for the first time this year. It looks beautiful there, and I think I would love the food, but I don't speak Spanish, and really don't wanna learn, so living there full time doesn't seem like a good option for me. Even though it seems there is a lot of English speaking people there. Well I got at least 15 years to decide!
that was way to long to read , I just saw 15 year mortgage and was damn i need your job cause i m stuck with that 30 year bull ****
Lot for sale in Sebastian, FL If interested, please contact: mailto:MDSurfer@comcast.net?Subject=635AtlantusTerrace My son got accepted at UNCW for next year and now I have to pay for it. Thanks! 635 Atlantus Terrace, Sebastian, FL 32598 The address is "635 Atlantus Terrace, Sebastian, FL 32598" if browsing Google Earth.
I have a 30 year morgage too so By the time its paid off I will be 56. I dont see myself doing the line of work I do till then. I hope to open my own Surfshop up in Cape May County but, that wont be for a while. I have still more than enough youth in me to do my current job
Some quick tips: 1. go to this website and read some of the articles: http://www.escapefromamerica.com/2010/03/expat-living-in-central-america-a-primer/ 2. Pay off your house and have a home base here in the states until you know where you want to relocate. 3. Go places you may want to live and stay there for at least 3 weeks to get an idea of daily life. Do not worry about language. My wife an I have been traveling for the past 10 years all over the world and language is rarely an issue even in more remote areas and never a challenge in resort areas. 4. Do not live in florida, no disrespect to FLA, but for half the money you could have a fat pad in Nicaragua and a year round swell window almost all to yourself. Plus good food.
I had planned to move to San diego this november. Been there twice in the past year and loved it! good waves, people, scenery, etc... However, my boss told me today she put me in for a promotion recently, more hours (less surf...), better benefits and a lot more pay. If all goes through ill stay another year and see how much i can save then go and try my luck in the SD job market
Eatswell - If you don't mind sharing, what line of work are you in? Retiring at 54 sounds nice. I guess currently having no kids explains the 15 year mortgage. I'm in healthcare. Due to school loans and not currently owning a home (or being in a position to buy one for some years due to said loans) I will probably be about your age when I make a home purchase, and I figure I'll have to take out a 30 year mortgage and will be working until my mid-60s paying it off. I hope to have a lot of flexibily with my time (healthcare is good like that) so my plan is to live and work somewhere near the beach and never really retire. I currently like what I do, but of course that could change. As of now I never really see myself retiring completely (and the way this country is going it's hard to rely on social security or a pension come 40 years time). Therefore, I see what I'm doing now to be what I do when I get older, except hopefully living closer to the water and maybe on the west coast (although jersey shore is nice too). Sounds a bit different then you, which is save up and then retire somewhere nice. Cape May is nice. Personally, I'd consider living there for the rest of my life. Nice hospital just north of there. Other towns on the East Coast I've considered are Providence RI, Portsmouth NH, Portland ME, Wilmington NC, Charleston SC. I don't mind cold weather. All are good surf towns with good hospitals. I like California Coast too, but healthcare pays worse in California and cost of living is ~2x greater.
I made 4 major decisions in my life that support my love of skateboarding and surfing and help insure that i will not be working full time past the age of 50 (maybe even 45). 1. Teach for a living 2. Not having any kids, and no accident will happen, made sure of that 3. Live within my means 4. Turns out my wife's family has lots of money and likes to share it.
shouldn't you be talking about this with someone like, qualified, to give you solid counsel, like your CPA or financial planner? Not that bros like Joshicybeatsz and 420_bOngHIts pumpmaster2000 won't flow you some valuable input... just sayin'
I am an Overhead[Garage] Door Mechanic. I currently work for myself after 20 year of working for someone else. I have some decent business right now. I got a buddy in North Jersey who gives me some work when he has extra, and since he's been struggling lately, and his primary job in the Union has no work for him, and I've been swamped I have been giving him jobs to help me with to speed them up. It's no big success story. I was lucky enough to be able to settle for a 15 year, because I actually put something like 58% down. It was probably a dumb decision to some, because I could have almost bought another house in cash for that. I owned another home years ago in North Jersey with two of my buddies. I shelled out half the money for it while the other two shelled out a quarter each. I got lucky when it sold even after only 6 years, and I have had that money in savings for almost 8 years up until now. My Dad died almost 3 years ago, and my Mom sold the house, and moved with my Grandparents. She gave all us kids me, and my 3 siblings a good share, and some money my Dad had left for us. I still got 30K+ left over, but I am saving that for some trips I am taking, and in case of an emergency if something happens to me that I cannot work. God forbid I get hurt, or sick. I been living fairly simple too. Have no car payments or debts in that area luckily. I have been pretty fortunate. I am not in the most demanding profession like health care, but any service business[Automotive, Electrician, HVAC, Plumbing] will always have a fair demand, because those things will always need repairs. By the way MDSurfer that looks like a great piece of property, and I have seen you plug that before. I am not sure if 65k is a lot of money for an empty lot in your area, but I could probably build a decent home myself there for under 100k including the property. If I was interested in that area I would definitely consider it though.
I don't have the money for donations, but you can get there the same way I did: Air Mobility Command. You may have to make a short stop in the desert, but if you want out, it may be worth it.
No problema. I bought the lot in Sebastian in 2005 for 65k (wouldn't you know it was the peak of the housing boom) and have been paying roughly 700 a year taxes on it. I think the going rate is now around 50-55k, so if you're ever interested in that area (nice small mainland town) make me an offer. The house to the right was built in 2006 and I think the real estate tax records indicate it cost them 150k to build on the lot that cost them 65k. I've left the lot uncleared to avoid having to have the grass cut and such. Oh, and Indian River County has a homestead tax credit for permanent residents. I think taxes are only about 1300 a year with that credit. In the way of comparison: Ocean City, MD lots @ 1/3 acre are currently going for 150-200k depending upon the neighborhood. I used to live in Cape May @ 510 Hughes Street (two blocks from the ocean) and houses like that are now above the 1 million bracket- and I just don't get it.
510 Hughes? Thats over by the Church isn't it? I know it's riduculous. I cannot touch anything in Cape May. I don't know how anyone younger than me can even afford to own a one family house in Cape May these days. Especially people who do Landscaping during the season, and are laid off in the off season! I saw the Marquis De Lafayette had a Condo for like 173k for sale! I know a dude who works there, and he said it's a ripoff, and they gotta pay some cleaning fees daily, and thats why it's so cheap. They got one bedrooms over there in those new Townhomes over a couple blocks from Broadway right off Beach for 1.5 million. There are some nice little neighborhoods up in North Cape May that got stuff in the 200-250k range. I called about this little 1500 sq footer on Idaho I think it was. Four blocks from the Beach for 750K. I was like get outta here! I can't believe 4 or 5 years ago some of these houses were actually going for 2 million when the housing bubble burst!
510 Hughes Back in the day it was the residence for the Presbyterian Church Pastor, hence, "The Manse." The church eventually sold it because it was a LOT of house to maintain, three floors plus a basement. The new owners only paid about 90k for it, but that was a lot of money back then. They turned it into a B&B and I believe Dorothy and Nate have passed it along to their family now. It's a cool house, complete with secret passageways for servants and butler buzzers in various places around the house. Very old school. I moved to OCM from there in '66 when my Dad took the pastorship at the OC Presbyterian Church. We could have never afforded either of those places on a pastor's salary, but it's probably the only reason I've been surfing since '64. Dr. Barab and five other families stayed with us during the '62 March storm- that was before the seawall was built and their homes on Guerney Street and West Cape May were underwater. The Ocean made it up to the fence behind my house and we navigated the streets by boat. Fun place to grow up, but it's WAY different now. Very yuppified. The best part of winter there was having snowball fights with the CG guys from the USO up the street. Anybody there know Dave Carrick, Richard Bell, or the Piacintine brothers? They'd be in their 60's now. Just curious. I imagine Bill Steger (Steger's Beach Service) passed away some time ago. He taught health and PE at LCMR.
