The Best Place in the Americas to Base an International Business

Today I'd like to share with you this letter from Lief Simon of Live and Invest Overseas. It really gives a great perspective as to why Leif and I and many others believe Panama is the Best Place in the Americas to do business from. Here's what Lief has to say -

When looking around the world in search of a place to base your business, these are the factors to consider:

1. Corporate tax rates
2. Availability of qualified labor
3. Import and export duties
4. Infrastructure (including options for air and/or sea transportation, internal roads, and telecommunications)

Each of these factors will be more or less important depending on the business you want to operate.

Taking a very big-picture perspective, considering all these criteria, Panama comes out on top in Latin America. That's why we chose Panama, four years ago, as the place to base our Internet publishing business, and it's why many, many other businesses, including many very big international operations, are also choosing to settle in this country.

Infrastructure is of critical importance for any business, whether it's the Internet that moves your goods (as in our case) or, say, ships. As the Hub of the Americas, Panama boasts the best infrastructure in Central America and is close to being on par with the best of South America. Telecom cables connecting east and west, north and south run through and by Panama, allowing the country to plug into high-speed telecommunications. Local Internet companies continue to upgrade the available speeds they offer, and, for companies that need it, getting a dedicated trunk link isn't complicated or expensive.

Panama's Copa Airlines serves 59 destinations in the Americas and is expanding its routes regularly. Further, Copa is affiliated with Continental/United, so options for connecting around the world from Panama are good. This means that, if you're shipping goods by air or need to travel for consulting or other in-person business agendas, you have easy access from this base.

The downside is that Copa doesn't have a lot of competition, so fares for flights around the region aren't cheap. With no discount carrier like Ryan Air or Southwest to keep prices down, the hour flight from Panama to Medellin (a flight Kathleen and I have been taking often lately) costs about US$600 round-trip, including taxes and fuel surcharges. You can fly to the States (minimum 2 1/2;-hour flight) for less much of the time.

The other hub of activity in this country revolves around the Canal. Container ships come through by the thousands every year, meaning the options for receiving and sending sea freight are plenty.

If your business involves physical goods and you aren't selling to the local Panama market, then you could locate in Panama's duty free or free trade zone for added tax benefits. Many countries have these zones available to allow international businesses to operate without being taxed locally.

Panama doesn't tax people or corporations that don't earn money in Panama, but the free trade zone allows businesses to conduct activity in the country and then to ship the resulting goods back out without paying Panama income tax on the associated profits.

You could, for example, buy and import leather from Argentina and use it to manufacture gloves in Panama and pay no income tax in Panama on the profits from the sale of the finished goods to a wholesaler in the United States...as long as you operate in Panama's duty-free zone.

If you run a business in Panama that sells to the local population, the corporate tax rate is 25%, which is an average rate on a global scale. However, again, the only way you'd incur this tax would be by operating and selling locally. Run a virtual business in Panama (base yourself here as a consultant, for example), and you'd have no local tax liability whatsoever as long as your clients are all outside this country.

Panama also offers a well educated, English speaking labor force if you need it. This is an important reason why many big international call centers are locating themselves in this country. Dell, for example, has more than 2,000 call center employees in Panama City, and several outsourcing call centers (centers that do work for small- to medium-sized businesses that don't have enough demand to run a call center of their own) have as many as 3,000 employees handling both English and Spanish inbound and outbound calls.

Want to learn more about what Lief and his wife Kathleen have to say about Panama? Check out their Panama Letter -

Where are the Best Places to Live after Divorce?

Divorces can present a number of difficulties, and there are often financial issues that are associated with the proceedings. A couple usually has to sell their home in order to reach the settlement that is required by the courts. The best places to live after divorce include friends and families. They can offer the support that is needed as well as an economical place to live. This will help to cut the expenses that are faced during a troubling time. Rental properties are another consideration, and there are numerous houses and apartments that are available. These can usually be had in a matter of hours and are in a condition that is ready for a person to move in.

Finding a Place to Live

Thousands of couples go through divorce proceedings every year, and the first thing a person needs to do is find a place to live. Sometimes a person can continue to live at the residence they have shared with their spouse, and this is often the best option. However, the house will usually have to be sold, and this necessitates for both parties to move out. If a person is unable to continue living in their current residence, the first place they should look is with friends and or family. This is ideal for a number of reasons. Friends can provide the support that is needed during an emotionally troubling time. They are also usually willing to let their friends stay at their home for no charge.

Count on Family

Family members can provide one of the cheapest places to live after a divorce as well. There is always an extra room in the home, and this can save a person a number of expenses. Families can provide the supportive setting, and their homes are already furnished with all of the conveniences. This will provide a person with a place to stay while they decide what they are going to do. This is not a lasting option, but it can be the best place for a person to live until they get back on their feet and find the home or apartment that they want.

Renting makes for an Affordable Place to Live

Furnishing a home or apartment is an expensive proposition. It can also be difficult to purchase a new home or apartment while going through divorce proceedings. Rentals are an option, but they also require large amounts of capital to move in. For this reason, it is usually wisest for a person to stay with someone they know for the first months after their separation. This is also the most economical option and can provide a person the time to begin rebuilding.

The Best Place to Start Anew

Sometimes a divorce is the only way out of a really troubled relationship. One where you feel you need to really get away and start over. It's a nasty and unfortunate reality that sometimes the best place to live after divorce is far away where you can create a completely new life - new friends - new relationships all round. Because we truly live in a global village you may want to consider starting your new life overseas. There are many, many countries in this wonderful world that offer a peaceful and affordable lifestyle where you don't have to sacrifice any longer. Places that welcome educated foreigners. Perhaps a teaching job overseas to help you heal with loving admiration and appreciation from children or adults who crave knowledge and love to learn.









In summary, after a divorce, the best place to live is with friends or family. An extra room is always available at most people’s homes. They are also furnished and can offer everything that a person requires to meet their daily needs. Another benefit of living with friends or family is that they will be able to provide the support that a person may need while they are undergoing the trauma of a divorce.

Are Overseas Teaching Jobs a Safe Option for Americans?

With the United States job market in dire straits, many Americans are looking for work abroad. The popularity of overseas jobs for Americans is increasing as those with expensive degrees realize there are few jobs available in their chosen field. While the outlook for specialized careers in the US is bleak, many countries are turning to Americans to fill valuable and well-paying positions abroad.

Working Overseas

Those with teaching degrees often choose to take their knowledge overseas. There are many reasons they may make this decision. Often, a teaching position abroad pays far better than one at home and can be easier to find. For some, the main draw is travel. Living in a different country allows teachers to experience a new culture. Still others choose to teach abroad after years spent educating in under-funded and overpopulated American school districts. But is accepting teaching jobs overseas safe?

In the vast majority of cases, the answer is a resounding yes. Countries abroad statistically have a much lower crime rate than America. China, Korea and Taiwan are a few of the best places to live for overseas teachers and all have a statistically low violent crime rate compared to many major American cities. Teaching in these places is sometimes safer than teaching at home. It is important to fully evaluate the crime rates in a particular country before committing to a teaching job there.

Living Overseas

The opportunity to live overseas is something many people desire. Prepare in advance by learning some of the native language, traditions and customs in order to better acclimate to the country. Be sure to experience all the culture has to offer. Many teachers educating abroad are housed with local families which can offer invaluable understanding of and exposure to a new country.

Moving Overseas

The process of preparing to move abroad can seem daunting. It is important to research the proper documentation required for living and working in any new country. China, for example, requires a Z-visa before being eligible for employment. The necessary forms can be obtained from a Chinese consulate and are used to prove you have authorization to work in the country. A valid passport is also a must. Taiwan requires a Resident Visa to stay in the country for more than 60 days and a Taiwanese employer must submit a work permit for the employee to the government. Korea requires extensive documentation which includes a special Visa, work permit and in some cases a Certificate of Good Conduct. Knowing exactly what is required to live and work in a foreign country is a must for those hoping to live overseas.

Teaching overseas is a strategic career move for many educators who cannot find American work in their chosen field. It allows them to experience a new culture while remaining true to their profession. Information on overseas jobs is readily available for those who wish to do further research. Teaching abroad is generally a very safe alternative to teaching in America.

The World's Most Affordable Places To Retire

The World's Most Affordable Places To Retire... 

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From Argentina to Belize, from France to the Dominican Republic, from Panama to Thailand... complete and in-depth reports on the world's top retirement havens for 2011, including full details on residency, health care, taxes, and itemized monthly budgets. 

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What are the Best States for Retirement?

After exploring the Best States to Live in America we unveiled some really interesting stats and information. One of the things we looked briefly at was the Best States for Retirement in each part of the country. What we discovered, thanks to your feedback, is that a lot of our followers are very interested in learning more about good places to live in retirement. So, while over the years we have touched here and there on the best places for retirees, from various sources, we thought it was time to bring it home and have an updated look at spending your golden years right here in in the good old USA!

Retirement is a time to explore hobbies, pursue passions and live life to its fullest. Researching the best places to retire does not have to be complicated. By narrowing down choices based on interests and financial considerations, the dilemma effectively resolves itself. In an attempt to help make the choice even easier, we have broken down the best places to retire in the United States by region.

The Best State to Retire in the Northeast

If rest and relaxation is your ultimate goal, Maine is the state for you. Voted “Most Relaxing Place to Live”, Maine has plenty of opportunities for recreation. The statewide median home price is listed at $200,000, but bargains can be found in rural areas. Maine also offers a retirement tax break, allowing residents to deduct the first $6000 of pension income on their income taxes.

The Best State to Retire in the Northwest

Known for its outdoor recreation, Pacific coast beaches and wild west atmosphere, the northwest offers many retirement opportunities. Oregon is a sure bet for those who love the outdoors. Oregon’s mild climate means it is possible to enjoy nature almost year-round, while the low cost of living allows for more luxuries. Oregon does not have a sales tax and Social Security and VA benefits are not subject to tax liability.

The Best States to Retire in the Central US

Everything is bigger in Texas, including the bank accounts of retirees. Not only one of the best places to retire, Texas is also one of the cheapest. There is plenty of room to roam and the climate is pleasant. The state is represented by nearly every professional sport and is a frequent tour stop for many popular entertainers. Whether lured in by the big lights of San Antonio or the porch lights of tiny Bailey’s Prairie, Texas is great for retirees.

The Best States to Retire in the Southeast

Florida is one of the most popular retirement destinations in the entire country. With plenty of sand and sun, a median home price of $129,000 (nearly $50,000 below the national average) and hundreds of active senior communities, Florida is naturally associated with retirement. Florida does not have an estate or inheritance tax and its local/state tax burden is one of the lowest in the nation.

The Best States to Retire in the Southwest
California takes the top honors here. Although statistically the most expensive state in the region, California is also the most popular, owing largely to its warm climate and entertainment opportunities. From the sunny beaches of San Diego to the foggy San Francisco Bay, thousands of recent retirees flock to California each year in search of their own American dream.

Choosing the best place to retire isn’t as hard as it seems. With a bit of research and personal exploration, everyone can find their own paradise. From the tiny towns of northern Maine to the sunny beaches of southern California, finding the best place to live is as simple as knowing exactly what you want.

The Best State to Retire in the Northeast

With amazing natural beauty and plenty of recreational opportunities, Maine is among the best places to retire in the United States. A relatively low cost of living, several senior tax breaks and many 55 and over communities makes this a popular retirement destination for the financially conscious retiree. When compared to popular retirement states like California and Florida, Maine is a different breed. The winters here are sometimes harsh with frequent snowstorms and occasional blizzards. Big cities are few and far between, and much of Maine is incredibly rural. However, for the outdoor enthusiast, Maine is a northeastern paradise. Hunting and fishing opportunities abound, making this one of the best states to retire in for the hardy and hale retiree.

Best City to Retire in Main

Maine’s largest city, Portland, is an amazing place to retire. Although small by west coast standards, Portland’s population is approximately 62,000 and growing at a rate of nearly 1.5% per year. Housing an incredible Arts District, Portland is also home to several other named neighborhoods, each with their own culture and entertainment. In 2009, Forbes rated Portland #1 on its list of “America‘s Most Livable Cities” and Bon Apatite Magazine called it “America’s Foodiest Small Town”. Portland is home to several food festivals which pay homage to food and drink from many different cultures. The city also has the largest shopping mall in Maine, as well as the largest hospital. A 30-mile network of biking and walking trails was recently renovated within the city, making it a great place for exercise enthusiasts. A relaxed city atmosphere, plenty to see and do and an active network of seniors with a variety of interests make Portland one of the best cities to retire in Main.

Cheapest Place to Retire in Main

Bangor Maine takes the top honors when considering the financial ramifications of Maine retirement. The small city of 32,000 offers a lot for retirees. With 33% of the population aged 55 or older, Bangor caters to the retirement community. An average three bedroom house costs $165,000, nearly $15,000 less than the national average. With a rich arts community, Bangor is home to several annual art festivals including the American Folk Festival. There are nearly thirty parks within the Bangor city limits, and Arcadia National Park is only a 90-minute drive away. Groceries are 3% lower than the national average and gasoline averages $3.65 per gallon. Healthcare costs are in line with national expenditures. With so much to see and do, it would be easy to mistake Bangor for a larger city; however, the entire area has a small-town feel. Bangor is also close to the beautiful Atlantic coast, allowing for day trips filled with beach combing.

Tax-Free Retirement Made Easy 

You don't want to organize your new life overseas around tax code...but sometimes the two agendas can converge. 

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That is, it can be possible to relocate to the Shangri-la of your fondest daydreams...while, at the same time, reducing your tax burden, maybe to zero. 

It depends largely on how and from where your income is derived... 

And the key is arranging legal foreign residency. 

Here's the good news: While not every country welcomes foreign retirees or expats, we've identified three countries that roll out the welcome mat, not only offering significant benefits for foreign residents, including seriously appealing tax advantages, but also making it easy for you to become a foreign resident in the first place. 

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The state of Maine is a great retirement destination for those who wish to get away from the daily trappings of big city life. Arguably the northeast’s best place to retire, Maine has something for everyone. For those looking for relaxation and beauty, Maine is the best place to live.

The Best State to Retire in the Northwest

Retirement is a time of simplicity, an escape from the rat race of the nine to five world. Finding the best places to retire in the United States is a matter of choosing a location best suited to personal interests and financial considerations. Some of the best states to retire in can be found in the northwest. With a mild climate, plenty of recreational opportunities and several big cities, this region is perfectly suited for any retiree. Our pick for the top spot when it comes to the best place for retirement in the Northwest is Oregon.

Best City to Retire in Oregon

With a small-town feel and plenty of entertainment, Ashland is one of the best cities to retire in Oregon. Home to the world famous Oregon Shakespeare Festival, this city offers plenty of arts and cultural activities, as well as some of the best fine dining restaurants in the state. Ashland is also home to Southern Oregon University and the Osher Learning Institute, a place where retirees can take as many classes as they wish for $100 a semester. In addition, Ashland has many active senior groups who take an interest in everything from politics to art. Although small, with a population of only 20,000, many compare the culture of Ashland to that of San Francisco. Homes here are large and the median home price is just under $300,000. Median family income is upwards of $63,000 a year. Located in the beautiful Rogue Valley, Ashland enjoys very warm summers and beautiful fall colors.

Cheapest Place to Retire in Oregon

Salem is the state capital and Oregon’s second biggest city. Sixty miles from Portland, Salem is clean, safe and inexpensive. With a median home price of $179,000, an average property tax bill of $2400 and a median family income of $58,496, Salem is one of the cheapest places to retire in Oregon. Situated in a lush agricultural area, Salem is home to several farmer’s markets and places a great emphasis on fresh and healthy ingredients. This is reflected in the menus of the city’s many fabulous restaurants. Outdoor recreation includes many opportunities for golfing, biking and hiking. Salem is also home to the Oregon State Fair, and the beautiful Oregon coast is only a 90 minute drive away. Inexpensive and great for seniors, Salem is a wonderful place to experience a relaxing retirement.

The northwest is filled with small towns, big cities and everything in between. Deciding on the best place to retire is a highly personal choice. Those who want peace and quiet in their golden years would do well to stay away from the big cities, while those looking for entertainment and stimulation would be bored to tears in a small town. Finding the best place to live after retirement can be a time consuming process, but the hard work will pay off in the end.

Best State to Retire in the Central US

When considering a retirement destination in the US, Texas may not be on the top of everyone’s list. Surely, Florida and California get the most press. However, Texas is an incredible place to spend the golden years of retirement. With a huge land area, plenty of big cities, small towns and an honest, “down home” feel, Texas is now considered one of the best places to retire in the United States. From the hustle and bustle of San Antonio and Dallas to the peace and quiet of a Texas cattle ranch, there is truly something for everyone here, making Texas one of the best states to retire in.

The Best City to Retire in Texas

Austin, Texas is one of the best cities to retire in Texas. With a population of nearly three quarters of a million people, one-seventh of which are 55 or older, Austin is located in central Texas. With sunshine 60% of the year, average temperature in the summer is 95 degrees, while winter lows range in the mid-50’s. Austin has a thriving music scene, and is known as the “Live Music Capital of the World”. Median income for those 55 and older exceeds $54,000 a year and the median home price is $222,000, although foreclosures in the city can be bought for much less. Austin is home to a thriving visual and performing arts scene. With three man made lakes inside the city limits and many more in the surrounding areas, fishing and water sports are also extremely popular in the area. The Texas hill country to the west of Austin offers even more outdoor recreation. Great for those who desire an urban environment with a rural feel, Austin is a first-class retirement destination.

Introducing Austin Texas

Cheapest Place to Retire in Texas

Lubbock or leave it, Lubbock is the cheapest place to retire in Texas. This northwestern Texas city of 230,000 people has a semi-arid climate with hot summer days, cool summer night and snow in the winter. Median family income here is approximately $42,000 and a typical three bedroom family home can be had for little more than twice that. The housing market in Lubbock is 20% less than the national average, while the total cost of living here is a full 11% below national expenditures. Everything here is cheaper, even utilities, which are 25% below average. Lubbock is the birthplace of musical legend Buddy Holly, Mac Davis and Natalie Maines, and the home of the National Cowboy Symposium. Old west culture is strong here, and the city pays tribute to it with many festivals and expositions. Financial considerations aside, Lubbock is a great place to call home.

When choosing the best place to retire, Texas may not be on your radar. However, with both rural and urban areas, an extremely low cost of living and tons of culture and entertainment, Texas should be high on your list of possible retirement destination candidates. Texas may well be the best place to live or retire in the central United States.

The Best Places to Live in Georgia

Georgia as a state has a reputation for mixing big city sophistication with laid back southern charm, as characterized by its most well known city, Atlanta.

Georgia is the 24th largest state and the 9th most populous, with the recent trend being an increasing population growth thanks in large part to a favorable economic climate.

Most Livable US Cities

Factors that determine livability for a given geographic location are much like beauty: very much in the eye of the beholder. However, three major factors stand out in most surveys of the best places to live and these include:

• Household income, adjusted for cost of living
• Level of education achieved by residents (ranked by # of residents over 25 holding a Bachelors degree or higher)
• Property crime rates per 1,000 residents (including burglary and auto theft).

A recent survey ranked several cities in Georgia as among the most livable in the US based on the criteria above.

Most Livable Cities In Georgia

Coming in at the top of the list is Berkley Lake in Gwinnett County. Home of one of the few earthen dams still in existence, Berkley Lake was founded in the 1940s. It is located 25 miles southwest of Atlanta, has a population of only 2,144 people; boasts a median income of $139,877: with 66.8 percent of its residents holding a B.A or above. Property crime rates for the city come in at a decent 5.87 percent, making this an ideal location to raise a family.

Ranking second best place to live in Georgia is Dunwoody in Dekalb County. Dunwoody is conveniently located 17 miles southwest from Atlanta making for an easy commute. Its population is 40,619 with a median income level of $82,399. Over 69% of its residents hold a Bachelor’s Degree or higher. The property crime rate is an enviable 3.42 per 1,000 residents. It is considered a safe, convenient bedroom community for those who work and play in Atlanta but don’t want the big city hassles.

Third on the list of best places to live in Georgia is Alpharetta, in Fulton County. With a population of 50,296 and located 28 miles southwest of Atlanta, Alpharetta has a reputation for luxurious living in an environment rich with history. Median income here is $102,617; 62% of the population holds a Bachelor’s Degree or higher and property crime per 1,000 residents is a respectable 5.95 percent.

Ranked fourth best place to live in Georgia is Peachtree City in Fayette County. Population in this city 32 miles northeast of Atlanta is 34,597. Peachtree City has a unique atmosphere, described as an extended golf course where residents choose golf carts for transportation over internal combustion engine cars. The median income in this laid back city is close to $95,000 and 52 percent of its residents hold a Bachelors Degree or better. Property crime here per 1000 population is a low 3.7%.

Fifth ranked is Avondale Estates in DeKalb County. Renowned for its pedestrian friendly atmosphere with small shops and beautiful architecture, the population of 2,815 makes this an ideal small town to raise a family in--and its location a mere 8 miles from Atlanta makes all the amenities of the big city readily available to residents. Median income here is $92,460, 59.7 percent of the populace holds a Bachelor's Degree or higher, and the property crime rates per 1000 is 9.7 percent.

These are but a few of the highest ranked places to live in Georgia offering a diversity of population, great employment opportunities, manageable commutes and spacious housing. Whether you are looking for a new home in a small town or mid-sized city, these locations in Georgia offer gracious living in a scenic state rich in history.

Best State to Retire in the Southeast

When discussing the best places to retire in the United States, Florida is generally the first state that comes to mind. With its great climate, senior tax breaks and low cost of living, Florida is an immensely popular retirement destination. Florida has no state income tax, making it a great place for those on a pension to retire. The high concentration of senior communities coupled with amazing opportunities for entertainment and recreation make Florida one of the best states to retire in the country.

Best City to Retire in Florida

Port Charlotte, Florida was voted CNN Money’s “Best Place to Retire”. The relatively small community of 48,000 boasts an astounding 44% concentration of 55 and older citizens. Average price for a three bedroom, two bath house is under $170,000 and home prices are down nearly 63% in the past five years. Forty percent of Port Charlotte homes are situated on the water, making this an amazing place for those who seek a home with a view. Medical facilities in Port Charlotte are second to none, with a concentration of specialists that would be at home in a city ten times this size. Known for its bird watching, Port Charlotte’s Harbor Preserve State Park is home to hundreds of species of feathered friends, as well as kayaking and hiking. Average low in the winter is 52 degrees and summers are long and warm with temperatures rarely reaching 100. Median family income is $38,406, more than adequate given the retirement tax breaks and lack of state income tax. Port Charlotte, filled with natural beauty and manmade convenience, is one of the best cities to retire in Florida.

The Cheapest Place to Retire in Florida

Bartow, Florida, 40 miles east of Tampa, is one of the cheapest places to retire in the state. As of mid-2009, the median home price stood at just over $100,000, a bargain in any market. Median income for a family is $38,568 a year and about 35% of the population is 55 or older. With just over 17,000 residents, Bartow is a mid-sized town surrounded by big cities. The area prides itself on its distinctive small town feel. The annual 4th of July celebration is a matter of great importance, as is the Cricket Club Halloween Parade and Carnival, a tradition in Bartow since 1942. Less than an hour’s drive from the big city of Tampa, Bartow is content to remain small. Overall, Bartow falls 4% below the national cost of living index. Polk County, in which Bartow resides, has over 550 lakes, making for amazing outdoor recreational activities. For inexpensive living and a great small town environment, Bartow, Florida is a wonderful retirement destination.

Florida is the quintessential retirement location. Its sunny, warm weather, inexpensive cost of living and beautiful panhandle setting make Florida the best place to retire. While everyone is responsible for choosing their own Best Place to Live, Florida has a long and storied candidacy. Its popularity and history only serve to further nominate Florida for the honor.

Best State to Retire in the Southwest

California is a land of sea, surf and sun. Second only to Florida in retirement destinations, California has literally hundreds of retirement communities and 55 and older housing developments. From the rural areas of northern California to the popular southern California beach districts, the entire state caters to retirees, making it one of the best places to retire in the United States. A word of caution about California: it is not a cheap place to live. The state is filled with luxury, and this luxury comes at a premium. However, with a bit of research, good financial planning and a willingness to downsize, even this paradise of extravagance can be affordable, making it one of the best states to retire in the country.

The Best City to Retire in California

Nearly half of the population of Palm Springs California is 55 or older, making it an ideal place to retire. At the peak of the housing boom, median home price stood at nearly half a million dollars, but with the decline of the market, a three bedroom, two bath home can now be had for $250,000. Number two on CNN Money’s “Best Places to Retire”, Palm Springs is approximately 100 miles east of Los Angeles and has a total population of 45,000. Its main forms of recreation include horseback riding, golf, tennis and hiking. Median family income is upwards of $43,000.Home to the Palm Springs International Film Festival, Palm Springs also hosts the Palm Springs Follies, in which all performers are over the age of 55. Five-star restaurants, spas and boutiques cater to the very wealthy. Palm Springs is one of the best cities to retire in California for those who desire pampering and relaxation.

The Cheapest Place to Retire in California

As we mentioned before, California is not known as a “cheap” place to live. Popularity often comes with a hefty price tag. However, deals can be found. Lancaster, California, located 70 miles north of Los Angeles, is one of the cheapest places to live in the state. With an overall cost of living index only 4% above the national average, Lancaster is a steal indeed when compared to L.A., which is 38% above average, or San Diego, which is 33% above average. Median family income exceeds $48,000 and the median house price is a relatively low $133,000. Lancaster is home to the California Poppy Festival and is known as a dog-loving community, featuring an annual “Bark at the Park” event for dogs and their humans each October. Close enough to the culture and entertainment of Los Angeles, yet far enough away to avoid paying the high prices of the city, Lancaster is a quiet place, ideal for the retiree who needs to be close to the action without being in the thick of it.

Although priced higher than some of its competitors, California is still a high-ranking candidate for the honor of Best Place to Retire. With a large senior population and plenty of retirement communities, many people consider California to be the best place to live.

What Are the Best US States to Live In?

The best places to live in the United States is a highly subjective topic. It seems everyone has a different opinion, and the answer generally depends on what the individual is looking for. Not only that but when we do try and find objective data it changes so rapidly that the best state in 2010 could easily slip out of the top ten in a matter of a year do to the instability of the US economy these days. Based on a purely economic data, North Dakota and Nebraska appear to top the list. With unemployment rates well below the national average, it seems jobs are in great supply in these two states, leading to the affordability that comes with living in a prosperous place. These aren’t the only great places to live, however. Read on, as we outline the best US states by region.

The Best States to Live in the Northeast

Virginia and Maine are the forerunners in this category. Both of these states hold places in the top 20 list of highest wage earning states and have relatively low unemployment rates when compared to the national average. There is an abundance of beauty there, as well as history, culture and plenty of activities. Virginia is a consistent presence on the “Best Places to Raise Children” list, while Maine is a usual suspect on the “Most Relaxing Places to Live” register.

The Best States to Live in the Northwest

No list of great places to live would be complete without mentioning Oregon and Washington. The natural beauty of the rugged Pacific coastline coupled with the excitement of Portland and Seattle can make for a delicate combination of outdoor activity and big-city living. Portland, often voted one of the “Top 5 Places to Live” has plenty of entertainment, while Oregon as a whole is a leader in “green living.” Washington is typically a wealthy state, regularly falling within the top 10 on the list of “Richest States.”

The Best States to Live in the Central US

The central US is a big area comprised of many great states. Colorado is beautiful and mostly immune to much of the severe weather typical in the central US, while Iowa has low unemployment rates and great schools. Both states have a median income of approximately $50,000 a year. As noted in the beginning of this article, North Dakota and Nebraska are also wonderful places to live in this region.

The Best States to Live in the Southeast

Florida and North Carolina headline this category. Florida has been voted “Best Place to Retire” too many times to count. With a healthy housing market and many activities for seniors and families alike, Florida is an “everyone” state. North Carolina has a much lower tax liability than much of the nation, as well as plenty of outdoor activities and great schools, making this a wonderful place to raise children. Cary, North Carolina was voted the “Safest Place to Live” in the southeast.

The Best States to Live in the Southwest

Arizona and New Mexico are great choices in this region. The dry desert heat of these states makes them some of the healthiest places to live, while the history and culture of the region brings in many creative-minded people. New Mexico is a great place for artists, while Arizona’s housing market, cleanliness and relative safety bring in many families with children.




The best places to live will depend largely on what an individual likes or dislikes, as well as where they are in their lives. A family with children and a single retiree would most certainly disagree on this topic. The United States is so vast and diverse and filled with so many wonderful places to live that coming to an unequivocal and unanimous conclusion would be nearly impossible. It's just another example of why Freedom is the most cherished value of living in the US, everyone is welcome to choose their own “Best Place to Live.”




Editors note: This article is just an overview of what we have found to be acknowledged consistently year after year as the best states to live in. Over the coming weeks we will explore each region in great detail to give you a flavor of why and ow these states gain this recognition. As always we encourage you to leave your comments below - please share with us what you agree with and what you disagree with. Tell us what you believe represent the best states to live in and why.

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The Best States to Live in the Northeast

In our previous post we gave the 'Big Picture' view of the Best States to Live in. Now we are going to go more in-depth and delve into the different regions of the country to give you more detailed information about why some states in each of these four corners of the United States rise above their counter parts. Enjoy and please leave your comments and questions so we can keep the dialogue going and of value to everyone reading!

The Best Northeast State

Although all of the northeastern states bring something to the table, Virginia distinguishes itself from the rest with high paying jobs, natural beauty and a good housing market. Virginia has the added benefit of being one of the original thirteen colonies, which only serves to make it even more charming. Great for history buffs and a popular place to raise a family, Virginia has a population of just over eight million people. In spite of its small size, the area has a spread-out feel to it, with sprawling hills and plenty of farmland. The state high school graduation rate exceeds 85% and remains one of the highest in the northeast. With an unemployment rate of 6.1%, Virginia falls well below the national average of 9%. Virginia had the most counties on the top 100 list of “Wealthiest Counties in the United States” according to the Bureau of Economic Analysis. A frequent name on the “Best Places in America to Raise a Family” register, Virginia offers a stable economy, plenty of activities and great education.

The Cheapest State to Live in the Northeast

The great state of Delaware is the cheapest northeastern state in which to live. The median income level is approximately $55,000 per year, while the median price of a home in Delaware is below $170,000. Property tax rates are exceptionally low throughout the entire state. While the overall cost of living index is 14 points higher than the national average, the northeast is statistically an expensive place to live in general. Delaware falls far below the average for this region.

Best Northeast States to Retire To

Retirement means rest and relaxation for many, and the best northeastern state in which to find this is Maine. With the beautiful Atlantic coastline, plenty of opportunities for fishing and an eclectic local culture, Maine has been voted “Most Relaxing Place to Live” time and time again. From the big cities of Portland to the tiny villages of Frye Island and Glenwood Plantation which boast a zero population for most of the year, Maine is the perfect place to find the quiet life a retiree desires. An honorable mention goes to New York state, as the Hamptons remain a popular retirement destination for the affluent.




The northeast is home to many of this country’s best places to live. The preceding is a mere overview, meant only to illustrate a few of the great states in this region. Nearly every state here is steeped in history, most having been present at the birth of this country. The stories these states tell could fill volumes. The quest for the perfect northeastern state relies heavily on personal taste, matters of opinion and the ability to experience their varied charms for yourself. Tread with caution, as you just might fall in love with them all.

The Best Northeast State to Live in

Now that we've explored the country region by region and given you our top picks for the Best US States live in be it for retirement or economic we're now going to dig deeper into each of our 'Best States'. Let's begin by exploring the Northeast as we unveil the best communities to live in.

The northeast is one of the best places to live in the United States. This area, chosen by English settlers as the perfect spot to begin their “new world”, still retains the charm the colonists found so appealing more than 400 years ago. Although there are many great places to live in the northeast, Virginia stands out as the best. With an unemployment rate nearly three percent below the national average, great schools and one of the best state governments in the US, Virginia has the distinguished status of being one of the best states to live in the country today.

Best City to Live in Virginia

For those who love the city lights, big business and plenty of entertainment, Richmond is one of the best cities to live in Virginia. Serving as the state capital, Richmond’s main economy lies in law, finance, advertising and government. Voted the third best city for business in the nation, it is also home to six Fortune 500 companies including Genworth Financial and Altria. Richmond stays true to its historical roots and the city contains many monuments to historic Americans. With 40 parks to choose from, Richmond offers plenty of outdoor activities including hiking, biking and rock climbing. Median income for a family in the city is upwards of $38,000 a year, and jobs in the private sector are plentiful.

Cheapest Place to Live in Virginia

Lexington, Virginia lies about an hour east of the West Virginia border and is a relatively small town with a population of just over 7,000 people in the 2010 census. Home to the Virginia Military Institute as well as Washington and Lee University, this college town is among the least expensive places to live in Virginia. The median family income is $58,529 a year while the cost of living ranges from 1% to 10% lower than the national average. Both Robert E. Lee and Stonewall Jackson were buried here, and the town is also home to the only non-profit drive-in theater in the United States.

Best Place to Retire in Virginia

Virginia Beach is a resort town on the shores of the Atlantic ocean. It contains the world’s largest “pleasure beach” and is home to several parks and many protected beach areas. Virginia Beach has long been a popular retirement destination and has a high concentration of senior citizens. Winters are mild and summers are warm. Virginia Beach is among the top 5 median family incomes in the nation, and crime rates are lower than average. There are several top-notch medical facilities in the city. Virginia Beach also has 14 major golf courses and an active senior community.

Virginia is a great state with a long and storied history. The economy and schools here are well above the national average, while the cost of living in the non-metropolitan areas is significantly lower. Housing is both plentiful and affordable and the crime rates outside of major cities are generally low. For these reasons, Virginia is the best place to live in the northeast.

The Best States to Live in the Northwest

The northwest United States is a place of beauty and ethereal mystery. From the rain drenched forests of Washington State to the old-west rodeo towns of Wyoming, visiting the northwest is a bit like entering a different world. Native Americans inhabited this area long before the present day decedents of today's Americans but their culture and influence remains strong. In a country filled with amazing places to call home, the northwest has some of the best states to live in and remains one of the best places to live in the nation. Come along as we journey through this region and learn more about what makes the northwest such a special corner of the the US.

The Best Northwest State to Live in

Washington State is commonly known as one of the best states to live in the northwest. It is a place of almost unnatural beauty, a world where a Sasquatch could (and might!) feel right at home. Washington’s gorgeous forests are teeming with wildlife, making this state a nature lover’s dream. It is no accident that Stephenie Meyer set her wildly popular Twilight series in these forests - the singular beauty and mystery present here lends itself to the thought that anything could live in this place. Washington has a population of nearly six and a half million and a per capita income exceeding $52,000 a year, ranking it tenth in the nation. Starbucks, Costco, Nordstrom and Microsoft call this place home, leading to Washington’s consistent top 10 ranking on the list of “Richest States.” Washington does not have a personal income tax, and its resultant sales tax is one of the lowest in the nation. Washington’s current unemployment rate falls in line with the current national average, but a recent influx of well-paying jobs looks to better than trend in the near future. Washington remains one of the best states to live in this region, if not the entire country. Washington State is also the cheapest state to live in northwest. While bigger cities such as Seattle may not be inexpensive, Washington as a whole falls a full four points below the national cost of living index rate.

Best States to Retire to in the Northwest

Both Oregon and Wyoming rank high on the list of places to retire. Oregon has an abundance of natural beauty as well as outdoor activities which include hunting, fishing and hiking. With an unemployment rate slightly higher than the national average, Oregon may not be the best place to find a job, but it is an excellent place to spend the fabled “Golden Years.” The housing market, while rebounding, still offers houses at rock bottom prices and the entire state has a laid-back feel not found in the hustle and bustle states of the east. Portland and Eugene offer arts, culture and entertainment, while the smaller towns of southern Oregon offer peace and relaxation for retirees. Wyoming, with its stunning vistas and wide open spaces, also provides a wonderful environment for those who desire a quiet place to spend their time.

Honorable Mention: Idaho

An honorable mention in this region must go to Idaho. Home to the Rocky Mountains and Hells Canyon, the deepest natural gorge in the United States, Idaho is small enough to retain its hometown history while still large enough to offer important services and entertainment. Idaho was also a pioneer in the renewable energy movement, which it remains committed to today.






The northwest ranks high among this country’s best places to live. With an improving job market and millions of acres of natural beauty, this is the perfect place to raise a family or begin a new life. The northwest is rich in more ways than one.

Best Northwest State to Live in

There are many great places to live in the Northwest United States. From the urban life of Washington’s biggest cities to the charm of a tiny Wyoming ranch town, this area is known for its cultural and geographic diversity. The northwest is home to many entries on the "Best Places to Live in the United States" list, and one state in particular appears more often than most. Washington State meets nearly every requirement needed to earn its ranking as one of the best states to live in the US.

The Best City to Live in Washington

Mukilteo is known as one of the best cities to live in Washington. A 2011 9th place winner on Money Magazine’s “100 Best Places to Live” list, this community of approximately 20,000 people in Snohomish County is a suburb of Seattle located on the shores of the picturesque Puget Sound. Median family income for this area is $104,939 and the median home price is nearly $380,000. While Mukilteo is not the most inexpensive place to live in the state, it is among the safest. Personal crime rates here are practically non-existent, while property crimes fall far below the national average. The median age of Mukilteo’s residents is 38 and an astonishing 80% have attended college. Test scores for reading and math are consistently high, at 20% and 32% above the state’s average respectively. Job growth has reached 13.58% over the last ten years. Mukilteo is one of the richer areas of traditionally wealthy Washington and a beautiful and safe haven to call home.

Cheapest Place to Live in Washington

Although Seattle and its surrounding communities may be a bit out of the average earner’s price range, Spokane fits most everyone’s budget. Forbes Magazine has rated Spokane “The Cheapest City on the West Coast.” With a population of 208,916, Spokane is a distant second to Seattle in size, but a world away in cost comparison. Median family income is $41,316, while housing here is a full 15% lower than the national average. 28% of the population works in a healthcare related field, and jobs within this field are plentiful. Spokane has no income or business tax, making it an incredibly inexpensive place to live.

Best Place to Retire

For rest, relaxation and an amazing view of the snowcapped Cascade mountain range, Wenatchee is the perfect place to retire. A resort area with a population of approximately 30,000, Wenatchee is famous for its apples. Median home price here is slightly above $200,000 and the median household income for those 55 or older exceeds $40,000 a year. Senior citizens make up nearly a quarter of Wenatchee’s population, and there are many active senior groups within the city to join. Situated approximately halfway between Seattle to the west and Spokane to the east, Wenatchee is convenient to either of Washington’s biggest cities. The nearby Wenatchee National Forest offers plenty of outdoor recreational activities and some of the most beautiful woodlands in Washington.

With everything from the economy and job market to the natural beauty of the state factored in, it is easy to see why Washington is a forerunner for the title of "Best Place to Live". While Seattle and its surrounding communities offer plenty of excitement and affluence, eastern Washington offers a laid-back, peaceful atmosphere. Washington truly has something for everyone.

The Best States to Live in the Central US

The central United States is a great place to live. The “middle America” feel is prominent, and the inhabitants of these states work incredibly hard. The central US was hit harder than most in the economic crash of 2008, but has rebounded brilliantly, and this region has become one of the best places to live in the United States. From the high plains of Kansas to the cattle and cowboy hats of Texas, this region defines America. It is no accident that this area is known as the “heartland”. Residents of these states have heart in abundance, as well as a dedication to the land unmatched by any other area of this nation. Read on as we discover the best states to live in the central US.

The Best States to Live in the Central US

Colorado and Iowa share the honor of best states to live in, although for decidedly different reasons. Colorado is frequently thought of as one of the best places to raise a family in the entire nation. It is the fifth richest US state per capita, with an annual income exceeding $34,000 per person. Pitkin County, Colorado’s richest, sees a personal median income of nearly $41,000 per person. Colorado, while within the central US boundaries, is shielded from much of the severe weather so common in this region. With a September 2011 unemployment rate of 8.3%, Colorado falls nearly a point below the national average, and the job market has seen significant improvement. Colorado is 8th in the nation in healthcare ranking, and graduation rates are steadily increasing.




Iowa - Best State to live in the Central US.

Iowa’s median income for a family of two exceeds $50,000 per year and the graduation rate is close to 90%, one of the highest in the nation. Iowa’s hills and lakes only increase its aesthetic appeal, while the mild climate makes for great crops and happy residents. Iowa and Colorado share the title of the best state to live in the central US.

Cheapest State to Live in the Central US

Indiana holds the honor of being the cheapest place to live in the central United States. With a cost of living index rating 23 points below the national average, Indiana is a place where your dollar really does stretch. It boasts a flat state income tax rate of only 3.4%, making their effective tax rate, including federal obligations, just over 11%, one of the lowest nationally. Nebraska was not hit nearly as hard as other central regions in the economic collapse as their main steel industry was nearly unaffected. Indiana is one of the few states who reported a budget surplus in 2011, to the tune of $1.2 billion.

Best Central States to Retire to

Texas is a wonderful place to retire. With the wide expanses of farmland and “everything is bigger” mentality, Texas is a popular destination for those who are too old to work but too young to slow down. The low property tax rates and cheap housing make this a financially smart move for those on a fixed income, and the senior services here are top-notch. Nebraska is also a popular retirement area. Lincoln, the most popular Nebraska city for retirees, boasts a full 27% of its residents are over the age of 55, and the median home price is just over $130,000.




The central US offers a different demographic than much of the rest of the country. The people here are of the “salt of the earth” variety, and everywhere feels like home. This region has long been one of the best places to live, and it only gets better as time goes by.

The Best State to Live in the Central US

The central United States encompasses a broad area, making it difficult to determine the best states to live in. Several places in this region deserve a spot on the list for one reason or another. From Colorado to Texas and Indiana to Nebraska, many states were in contention for the top honor, but when it came down to the wire, Iowa as the best central state was the clear winner. With a good economy, strong job market and some of the nation’s best schools, Iowa can accurately be named one of the best places to live in the United States.

Best City to Live in Iowa

Ames, Iowa is a community of approximately 60,000 people, and its residents contend that it is one of the best cities to live in Iowa. Located 30 miles from Des Moines, Ames is the home to the Iowa State University of Science and Technology, a major employer within the community. Perhaps this is the reason that the unemployment rate in Ames is only 4.3%, less than half of the national average. Median family income is upwards of $77,000 and the median home price is $175,000. Job growth is up nearly 16% since 2000 and school test scores in Ames are an average of 22.5% higher than state scores. Nearly 16% of the city’s residents bike or walk to work, which may account for the city’s 99% air quality rating. Ames has 36 parks and plenty of recreational activities, making this an amazing place to raise a family.

Cheapest Place to Live in Iowa

Iowa City, Iowa was named on Kiplinger’s “50 Smart Places to Live”, coming in at number 10. The sixth largest city in the state, Iowa City has a population of nearly 67,000 while still maintaining a small-town feel. Home to the University of Iowa, median family income here is $57,568. Home prices start in the low $100,000 range, making ownership easily affordable. Utilities in Iowa City are 20% less than the national average, while costs for groceries, housing and healthcare also fall below national expenditures. The unemployment rate here is 3.6%, nearly two-thirds less than the national percentage, and job growth stands at 1.06% and climbing.

Best Place to Retire in Iowa

When searching for the best places to retire, Ankeny, Iowa pops up time and time again. Over the past five years, the 55 and older population in this city has soared with an 87.3% increase in the amount of seniors living in the area. Median household income for those 55 or older is $58,000, while the median home price in the area is $164,500. Ankeny has an approximate population of 38,000 with senior citizens accounting for nearly 15% of that number. Its close proximity to Des Moines means that the arts, culture and entertainment of Iowa’s biggest city are only minutes away. Ankeny offers the quiet life many retirees desire while still remaining close to the convenience of a large city.

Iowa boasts a growing job market, low unemployment rate and relatively inexpensive cost of living across the board, making it the best place to live in the central United States. Whether you are looking for a new city to raise a family, a haven in which to retire or an inexpensive location to start a new business venture, Iowa has a place for you.

The Best States to Live in the Southeast

The southeastern United States is an ever-changing place. Once considered less educated, less wealthy and less desirable than its geographical counterparts, it is now a widely populated place filled with sprawling metropolises, tiny southern towns and everything in between. Home to many colleges and universities, plenty of professional sports teams and some of the biggest military bases and aerospace engineering plants, the southeast is now considered one of the best places to live in the United States. Journey with us from North Carolina to Florida as we discover some of the best states to live in this region.

The Best State to Live in the Southeast

The choices for the award in this category are many and diverse. Nearly every southeastern state deserves to be here for one reason or another. However, there is one that stands head and shoulders above the rest. North Carolina deserves the spot for several reasons. Its quasi-southern charm, drenched in old money and steeped in history, provides plenty to see and do. From the tobacco fields of yesteryear to the majestic plantation houses available for tours, North Carolina offered many contributions to the foundation of a great nation. In 2010, Forbes Magazine voted North Carolina the third best state for business in the nation. Culture, arts and entertainment are also strong here, and North Carolina may well be one of the best states to live in the southeast based on beauty alone. People have long flocked to this area during the fall, when the leaves turn brilliant colors not seen outside of watercolor sets. With 14 national parks , plenty of opportunities for fishing and hunting and some of the most beautiful lighthouses on the east coast, North Carolina has plenty to offer the nature lover. Cary, North Carolina has been voted the safest place to live in the southeast, as well as earned a Top 5 spot on Money Magazine’s “Best Places to Live in the Nation.”

Cheapest State to Live in the Southeast

Mississippi is quite possibly the cheapest state to live within the southeast. With a cost of living index 23 points below the national average and a median home price of just over $170,000, it is easier to afford more here. Although the median income falls short of the national average, families do not need to earn as much here as they would in some of the more expensive states.

Best Southeast States to Retire to

Florida is the best southeastern state to retire to, and possibly the best state for retirees in the entire nation. The climate is always warm, albeit rainy at times, and the 55+ community accounts for a significant percentage of Florida’s population. There is plenty to see and do for retirees including shopping, fine dining and outdoor activities. The median home value was $129,000 in 2010, much lower than the national average of nearly $180,000. Florida has no income tax and caps its property tax at a flat 3% per year for year round residents. The annual Florida tax burden is ranked 47th in the nation, making it lower than almost anywhere else in the country. Florida is truly a retiree’s paradise.









The southeastern United States offers some of the best places to live. Here, the charm of the south meets the romance of the Atlantic coastline. The southeast has made great strides in the past twenty years, and is now a great place to live, work and play.

The Best State to Live in the Southeast

The southeast contains a number of candidates for the best places to live in the United States. From the retirement haven of Florida to the antebellum saga of the deep south, this region is steeped in tradition. Although nearly every state in the southeastern region has a city or town that deserves a place on our list for one reason or another, only one exemplifies every criteria. North Carolina contains all the necessary ingredients to be named one of the best states to live in the Southeast and perhaps even the country.

The Best City to Live in North Carolina

North Carolina has enjoyed the title of fastest growing state in the US every year since 2008, and no city has grown faster than Wake Forest. With a 118% population growth since 2000, Wake Forest is located just north of the state capital of Raleigh. Median family income is $60,408 and Wake Forest enjoys an unemployment rate of 7.4%, nearly two percentage points lower than the national average of 9.1%. The Wake Forest job market has experienced a recent upswing, and the Wake Forest Economic Development Team was formed in order to bring more jobs to the area. Schools are consistently rated as “excellent” and score an average of 20.25% higher than the state as a whole on both reading and math tests. With great schools, a good job market and a high median family income, Wake Forest is among the best cities to live in North Carolina.

Cheapest Place to Live in North Carolina

Statistically, big cities are more expensive than small towns. In North Carolina, however, the opposite appears to be true. Charlotte, North Carolina is both the biggest city and the cheapest place in the state to live. Overall, the cost of living in Charlotte is 7% less than the national average, while housing and utilities are 20% lower and 7% lower respectively. The median home price here is $169,493, while the median family income is nearly $60,000. Schools here are among the top in the country, with Charlotte elementary schools earning top NAEP honors in 2009. The low cost of living, great schools and many job opportunities combine to make Charlotte not only the cheapest place in North Carolina to live, but also one of the best.

Best Place to Retire in North Carolina

Cary, North Carolina, is a prime retirement destination for those who seek safety, security, and a beautiful place to call home. Voted “Safest City in the South” in 2005, Cary is located in the midst of the triangle created by Raleigh, Durham and Chapel Hill. 17.4% of Cary’s population is 55 or older. Median income is upwards of $71,000 and the median home price has held steady at $259,000 for the past three years. Two of the nation’s rated “best hospitals” lie within 30 miles of Cary and the average property tax bill stands at $2300. Cary also has a public transit system that offers door-to-door service for the elderly.

North Carolina is our clear winner for the southeast Best Place to Live competition. With a low unemployment rate, inexpensive cost of living and relatively low crime rate, North Carolina is a prime location for people of any age. Wake Forest, Charlotte and Cary are just three of the many great places to live in North Carolina.