25 of the Cheapest Places to Live in the World

Recently I came across this review on 'Top Lists' of the 25 Cheapest Places to Live in the World. It's always interesting to discover how cheap one can really live but it also makes one think - at what cost? Some of these places would be wonderful, I'm sure. Friendly people and beautiful locales but many also come with the price tag of high crime, corruption and weather that is, shall we say, not so great!

Have a watch and leave your comments below - which places would you consider? Which do you think are a complete joke, i.e. In your wildest most desperate times you wouldn't even consider them. Of course if you have first hand knowledge of any of these places then fill us in. Let us know the real story.

Places (Cities) with the Highest Income Inequality

During my morning read and review for cheap places to live I came across this slide show on the Huffington Post. Although this doesn't point directly to cheap places to live this list may give you some places to avoid if you count yourself in the 99% vs the 1%.

Cities with the Highest Inequality in the United States

10. Baton Rouge, Louisiana

9. Dallas, Texas

8. Fort Lauderdale, Florida

7. New York, New York

6. Athens-Clarke County, Georgia

5. Gainesville, Florida

4. Miami, Florida

3. Washington, DC

2. New Orleans Louisiana

1. Atlanta Georgia - the U.S. City with the highest income inequality.

Interesting to note that 8 of the 10 are in the south. What do you think? What does this say?


Source: Cities With The Highest Income Inequality http://huff.to/1ap2v07 via @HuffPostBiz

The Cheapest Places to Retire in the U.S. for 2012

One of my closest friend's recently introduced me to a new book he discovered - the name speaks for itself, 'The Cheapest Places to Retire in the U.S. 2012 Edition'. The cool thing about this book is that a great deal of research went into it. So, it's not just another one of those subjective lists someone has put together to promote their particular community instead it's a fact based directory.

The author is Thomas Corley who is a Certified Public Accountant and a Certified Financial Planner.He runs a company called the Rich Habits Institute which is dedicated to helping people and organizations achieve financial freedom. He's accumulated literally thousands of hours of research into the many different locations around the United States that he found to be the cheapest places to live and retire. It's no lie to Tom has "crunched" a lot of numbers to come up with this list. In fact, he and his team have analyzed over 3,000 cities, towns and communities across the U.S. to come up with his Top 100 list. He looked at ten key relevant factors and then applied a proprietary scoring formula to each factor to determine which communities ranked highest as the best of the cheapest places to retire in the U.S.  The following factors were identified and used to create the directory:

Ten Key Retirement Factors -

1. Lowest Housing Costs
2. Lowest Property Tax 
3. Lowest Sales Tax 
4. Best Climate 
5. Lowest Crime Rate 
6. Lowest Income Tax 
7. Closest to Major or Regional Metropolitan Areas 
8. Closest to Hospitals 
9. Closest to Airports 
10. Closest to Beaches or Coastlines

If you look around on the Internet you'll see a lot of lists that claim to give you the top 10 or 100 but what sets this directory apart is the hard analytical data and the volume of work done to come up with an objective measure of 'cheap living'. Not only that but this list of the 100 cheapest places to retire is substantially different from the others based on the criteria that was used.

Now I keep referring to this as a list or directory but make no mistake it's not just a one page list of the top 100. Tom has gone a lot further to provide a full page of detailed analysis for each and every place on the list. You can get the highlights from his snap-shot 'The Good and The Bad' bullet points and you can dive in with detailed stats on the key retirement factors as well as a good narrative.

By now I hope you agree this sounds like a great resource to help you uncover a good place to retire on a limited budget.  But just to be sure we've worked with Tom to come up with a free 'Sneak Preview' of his book. This will give you a good idea of the content of the big book - how it is laid out and how valuable it could be to you if you are looking for that perfect spot to retire on a limited budget. To get the Free Mini-Book - just fill in the form below and we will send it directory to your e-mail box.

Are There Cheap Places To Live In Florida That Are Safe?

Are there cheap places to live in Florida that are safe? This is a big question for anyone that is thinking about relocating to that state. It is especially important to people who want to retire to Florida and are on a limited budget. It definitely is possible to find affordable housing when using a bit of research and planning. Florida is divided among its geographic regions. Here is a look into cheap and safe places to live in Florida.

Cheap Places To Live In Florida

In the recent past, Florida has suffered from devastating storms that raised insurance and property taxes to a high rate. However, as more and more people are found to enter foreclosures, this state has an abundance of housing deals. Southern Florida is one of the most expensive areas in the state and the weather is very unpredictable and brings a strong risk of hurricanes. On the other hand, cities like Tampa and Orlando, in the central region of the state, are much better choices. Even though the real estate in this section can get costly, older areas have more affordable pricing. The northern area of central Florida has an endless number of inexpensive houses, low taxes, and cheap land improvement. North Florida, including the city of Jacksonville, is a safe area of the state that has a lot of cheap housing options as well.

Cheapest Places To Live

One of the cheapest places to live in Florida is one of the many mobile home parks. For retired couples, there are adult only communities that bring good opportunities to meet other people. Rent is low and prices on mobile homes are relatively cheap. Activities like swimming and tennis are ways to get involved in the neighborhood. Many times, mobile home communities have planned evening get togethers.

Best Places To Live In Florida

Florida is well known for its warm and sunny temperatures. It has a low crime rate and is a perfect environment for sports like golf and activities like fishing. Tampa is a city on Florida's west coast and is a mecca for tourists because of the beaches and commercial dealings. There is a large amount of condos that line this area as well. Miami lies on the east coast of South Florida. It has the nickname "The Gateway To The Americas" because it is a hub for media, fashion, music, and entertainment. Tallahassee, the state capital, houses many educational and job opportunities. It is evident that anyone searching for a safe and inexpensive city to live in should consider Florida. There are many towns that have affordable real estate all long the large coastline. The temperature, natural beauty, entertainment, and other opportunities makes Florida one of the best places to live.

Two Of The World's Cheapest Places To Retire Overseas

This New Year we will be investing some time and space in for direct comparisons of the world's top retirement and living locations to help you determine your best options for living a comfortable lifestyle.

Today our Guest author will compare and contrast two of the hottest - cheapest and best places to live right now!

Kathleen writes --

I got an e mail from Correspondent Lee Harrison, who offered to compare two of his favorite cities, from our 2012 list of world's best and cheapest retirement hot spots: Cuenca, Ecuador, and Granada, Nicaragua.

Lee is a big fan of both cities and highly recommends both but, for different reasons.

Here's what Lee has to say -

"Comparing different retirement or investment destinations head to head is not only necessary, but fun and interesting. It's the key to narrowing down your preferences among all of the world's choices for the best place to live. Both seasoned overseas buyers and novices will benefit from this exercise.

When I looked over our recently published top picks for 2012, two cities jumped out at me immediately from the Super Cheap category: Cuenca, Ecuador, and Granada, Nicaragua.

I lived in Cuenca for years, own property in Granada, and have been to both of these cities in the past year. Throughout my visits to each, I couldn't help but draw comparisons. These cities line up naturally with one another, so, when comparing them, it's easiest to begin by looking at their similarities.

Both Cuenca and Granada are beautiful and authentic Spanish colonial cities, founded in the 1500s. In both cases the cost of living is about as low as you'll find anywhere. You can get by frugally on less than US$1,000 per month or live a comfortable lifestyle by North American standards for around US$1,500 a month or so.

Real estate in both cities is well under the magic US$1,000 per sq meter (around $93 US per sq ft), putting both these cities in 'bargain basement' territory. Transaction costs in both are low, as well.

Both cities are in Third World countries, with all of the attendant institutional inefficiencies, corruption, and less than perfect infrastructure maintenance. But they also have low levels of government intrusion, low taxes, and few rules and regulations.

Both Cuenca and Granada are home to sizeable, thriving expat communities with many North Americans. There are far more expats in Cuenca than in smaller Granada, but I'd guess that the ratio of expats to locals is about the same in both places.

Access to the United States is not bad from either city. Cuenca has a convenient international airport right in town, but virtually all flights to the United States connect through Quito or Guayaquil. Both these cities offer good connections to U.S. hubs, and flight time to Miami is just under four hours.

Granada is served by the Managua airport, about one hour away, which also has good U.S. connections. Flight time from Managua to Miami is about two hours.

Finally, residency is easy to establish in both countries, with low income and investment requirements.

But that's where the similarities end.









Cuenca is a large city of more than 400,000 people; more than four times the size of Granada. So Cuenca has the edge for big-city amenities, like theater, nightlife, and restaurants. It also has a new, upscale shopping mall and lots of modern health care facilities.

Granada, by comparison, has more of a small-town, close-knit feel, where everyone seems to know everyone.

Cuenca is located high in the Andes, at 8,200 feet above sea level (2,500 meters). So it offers spring-like weather, with highs rarely above the mid-70s and little seasonal variation. In five years of living in Cuenca, I can recall seeing 90° only once...and that spike broke a long-standing record. Granada, on the other hand, is warm all the time, with highs in the 80s to low 90s year-round.

Granada is on the shores of one of the world's largest lakes, meaning swimming and boating opportunities close at hand. You can even purchase your own private lake island. Nicaragua's Pacific beaches are less than two hours away.

In Cuenca, the nearest beaches are almost three hours away, in Machala, and the nearest nice beach is over four hours away in Playas or Salinas.

Shopping for real estate is a pleasure in both Cuenca and Granada, with lots of terrific homes available at reasonable prices. However, in my experience, each has its strengths when it comes to real estate.

Granada is best for its amazing inventory of low-cost Spanish colonial homes. Their center courtyards are typically open-air and often contain swimming pools, something very unusual in Latin America. Also, the colonials in Granada tend to be fairly small, so they're great for one or two people, or a small family. To me, there's no better place to shop for this type of property.

Cuenca has colonials, too, but they tend to be larger and expensive. Many are old homes for large families, 700 square meters or more...a lot for a retired single or couple to take on. On the other hand, Cuenca excels with its newer construction, offering a huge selection of modern condos at reasonable prices. So you can enjoy the Old World character of the historic center but live in a modern house or condo in First World comfort as near as a few blocks away.

Comparing Cuenca and Granada, there's really no winner, as is the case with many city-pairs. The key is to understand your own priorities.

I'd favor Granada to enjoy a traditional Spanish colonial home, in a smaller town with warm weather. I'd head to Cuenca for big-city amenities, cool, spring-like weather, and hundreds of modern housing choices.

Either way, you're enjoying one of the finest colonial cities that Spanish America has to offer."

Kathleen Peddicord, editor Live and Invest Overseas

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.

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. 

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. 

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. 

Go Here Now To Learn More

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 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.

America's Cheapest Real Estate

The Cheapest Real Estate in America

Editors note: I just read this interesting article on the website 'Home Goes Strong' and thought I would pass it along. There's some food for thought in here when it comes to either staying put and refinancing or pulling up your roots and moving to a cheaper place.

houston downtown, a photo by BIJI KURIAN on Flickr.

Leah Ingram writes:

Do you live in America's Cheapest City?

We're ready to refinance the mortgage on our home, again! We actually just went through refinancing about a year ago, when mortgage rates had first dropped. But now that the typical 30 year mortgage rate has dropped even further - it's down below 4% - we thought we would be crazy not to at least look into whether another refinancing was worth the trouble, even though we had just refinanced less than a year ago.

First, we asked our current bank, the one that holds our mortgage, to consider changing our interest rate to bring it more inline with current rates being offerred at other banks, of course they agreed to do so but only if we agreed to pay an astronomical change fee. When we worked it out we discovered it would take two years at the new lower mortgage rate to make back the difference from the service charge. I knew there had to be a better deal out there and sure enough I found a bank that was more than willing to eat the closing costs and give us a new mortgage at a rate even lower than the reduced rate our bank had offerred on the refinance deal. And the best part of it all is that it will only take a bit more than one mortgage payment to make up for the upfront costs we will likely incur - we will probably need an updated home appraisal.

You see even though we had just had a home appraisal a year ago from our previous refinance, like most places in the United States, homes where we live (suburban Philadelphia) just haven't increased in value. Many have held their value though and some more so than in other American cities where real estate is still depressed. But all of that said the bank that is offerring our new mortgage just wants to make sure our home still holds enough value to cover the new mortgage.

If you're looking to buy a new home in you want to explore the best cities for singles, families and the  best cities for jobs. Bottom line - it's a good idea to buy where the real estate holds its value. However, if you're on a tight budget it's best to know where the cheapest places to live are too.

According to an infographic I read recently from Credit Sesame, here are the top 5 cheapest cities (based on cost per square foot) for real estate in America:

1. Houston @$54 per square foot
2. Phoenix @ $79
3. Atlanta @ $132
4. Chicago @ $158
5. Miami @ $182

One Day in Houston

Editors note: What I find most interesting about these places is that many American's would say these are some of the best places to live in America too. Cheap and a nice place to live? It doesn't get much better!

Source: America's Cheapest Real Estate:

Cheapest Places To Live In California

The Cheapest places to live in California can be found in the most northern part of California such as in Eureka. Heading north you will follow along the coast lines with magnificent shores and further up it is lined with Redwood trees and gorgeous landscaping. These could easily be described as some of the most beautiful places in America. Agricultural, farming, hunting and fishing are favorites in earning a living or to just enjoy the diversity of the land as a hobby or past time.

Cheapest Places To Live In Los Angeles

In the Panorama City located in the Valley is one of the cheapest areas in Los Angeles to live and to find lower rental rates. The short drive to the main part of city is well worth the trip for employment or for attending school to save on rental prices. Heading east of Los Angeles toward Quartz Hill or to Lancaster the homes and apartments located here are cheaper compared to other places in Los Angeles and they offer easy commute for work or school.

Safe Places To Live In Los Angeles

Los Angeles is a very well populated area with a lot of diversity, religion, gangs and some really rough places to live. A few of the safest areas can be found in City Terrace, Culver City or around the Thousand Oaks area. These are well protected and the community pride itself in having a clean and safe place to live.

The cheapest places to live may not always be the best or safest places to live in the world. Sometimes to find the best place to live for your needs may cost a bit more than what the cheapest place has to offer. Finding that special place that is within your budget and where you can feel secure is worth the extra effort in researching and learning about all the areas of the state. Location, employment, safety and happiness goes along with the decision in finding the perfect place.

Cheapest Place to Live in the US

There are many beautiful places to live in the United States, but with the economy the way it is everyone is looking for the cheapest place to live in the U.S.

It can be a challenge but there are some common thoughts when it comes to your search. First most people know that the east coast is going to be a little on the expensive side but the west coast is also a little expensive. So, that leaves us with the central parts of America. Yes, it's true the best places to live that are affordable and could even be described as inexpensive are found in the mid-western states. This is where you are going to find the cheapest cities in the United States.

The Cheapest Place to Live?

Well Places like: Omaha, Nebraska; Detroit, Michigan; Indianapolis, Indiana; Cincinnati, Ohio; Pittsburg, PA; Minneapolis and St. Paul, Minnesota; Cleveland, Ohio; Oklahoma City, Oklahoma and Houston, Texas. These are some of the cheapest places to live to live in America. The average mortgage in many of this US cities can run from $150,000 and up while the rental properties range from $400 and up for a two bedroom apartment. Now, it is important to note that the average salary may not be nearly as high as other parts of the country but the cost of living is much lower so this factor balances out the whole cost of living factor.

If the rolling hills and the acres and acres of beautiful farm land are appealing than the mid-west and its surrounding areas will be an ideal place for you to live. These areas are rich in culture, technology, and home grown resources. The heartland cities are great culturally and scenically appealing.

The things to think about when looking for the best place to live in America is to look at the salary, the housing costs and the standard of living . These things will help to determine if moving to the Midwest is an option for you. The cost of living is less, the median salary is less, but the lifestyle is very friendly and welcoming, and it is a great place to raise kids. There are several more places within the states mentioned above that are also great to live. The best thing to do is to see what your must haves are and what things you are willing to compromise on.

Editors Update: In November 2011 we explored the best states to live in and presented a series of articles which looked in-depth at each region of the country from coast to coast and from the Canadian Border to Mexico. Be sure to check it out and as always please join the discussion by leaving your comments and opinions about the best and cheapest places to live to in this great nation.

The Best Place To Live In California

Naming the best place to live in California is not easy simply because there are so many. It has to be one of the most diverse states in terms of natural terrain. Everything literally from the beach to mountains and all manner of natural beauty in between. In addition to the natural diversity and beauty it possesses there is also diversity in cultural and economic areas. Living in California offers options unmatched in other locations and it will be up to you to answer the question 'what city should I live in' and pick what is best for you but here are some of my choices to get you started on your quest to find that best place to live in California.

I have to admit that I have a love for the southern half of California but I know my love is not shared by everyone at least some like Northern California as much for equally justifiable reasons. My choices in the southern half of the state, although not the cheapest places to live, reflect my bias and so these may not resonate with your taste but I think there are some very good reasons for the cities I choose. Hopefully you will be open to at least investigating these gems of the west while you consider the best places to live in California.

Beverly Hills California

To start the conversation about the best of California let's go to Beverly Hills California. Beverly Hills holds the distinction of being one of the most well-known areas of California.

Beverly Hills California

It is near Los Angeles as well as Santa Monica. Many consider Beverly Hills to be among the most desirable locations to live in the world. It certainly is home to some of the most wealthy and prestigious people in the world.

The school system in Beverly Hills is one of the best in the nation. With weather that is near perfect year-round and nearly every square inch of the city is well manicured. There are many places of interest in Beverly Hills. Including restaurants, parks, famous boutiques, Art Galleries and museums. The crime rate in Beverly Hills is extremely low making it a safe place to live and secure as you would expect from any affluent city.

It has the unique distinction of being a sunny little town enhanced by the safety, security and attention to detail made possible by its wealthy residents plus the fact that is very near to Los Angeles and all it has to offer.

Tour California

Redwoods and California Wine Country Overnight Tour - Petroleum Free Tour

San Luis Obispo

Second on my list is the San Luis Obispo California area. This beautiful little area along the central California coast might be best described as a tiny piece of heaven. The weather is near perfect year-round with over 95% of the days being sunny. The temperature never gets too hot and never gets too cold. Cal Poly University being in San Luis Obispo help it to maintain a low unemployment rate as well as being a large contributor to the local economy. Because of the weather, the low unemployment rate and low crime rate this little piece of heaven may be as perfect as it comes. One thing that detracts and may keep it from holding that ‘perfection’ title is the cost of living. Unfortunately the cost of living in San Luis Obispo is on the expensive side for most people and may contribute to keeping this area small and avoiding some of the pitfalls experienced by some of the other most beautiful California locations. Some old-timers I know tell me about Los Angeles 40-50 years ago and it makes me want to cry. Too many people have a detrimental effect on things over time. Sad really but it is the way we humans generally affect our environment.

Next on our list is the Santa Barbara area of California. It too is an expensive place to live but its proximity to Los Angeles make it a good choice for many that would like to live outside the city while still staying within driving distance. Most places in Los Angeles are within 2 to 3 hours of Santa Barbara depending of course on traffic conditions. For people who have amassed a small fortune Santa Barbara can be a wonderful choice but if your intention is to find a job and reasonable priced housing Santa Barbara may not be the best choice. Like its neighbour to the north San Luis Obispo it enjoys nearly perfect year-round weather and all the benefits of being ocean side as well. This might be the best place for a wealthy retired couple in California.

San Diego California

Last on my list is beautiful San Diego California. If you have ever visited San Diego you'll know exactly the reasons it's on this list. It is in the top 10 wealthiest cities in the United States and also within the top 10 as far as safety. It has a wide diversity of industry including computer science, electronics, ship manufacturing, the defence industry, tourism, finance, biotechnology and last but not least, agriculture. There is a natural diversity of terrain in the area coupled with everything from beaches to forests for the lucky residents to enjoy. There is a diversity of culture heavily influenced by its Latin neighbour to the south. National sports teams, museums, famous gardens and reserve habitats are among just a few of the offerings to those in the area. As with any big city it has areas that are not optimal but overall it is a safe city. Its education system is diverse and San Diego has the distinction of being in the top 10 most educated cities in the US. A nice bonus about this are is that you can find soem of the cheaper places to live in California.

As I stated early in this post my bias is distorted toward the southern half of California and the listed cities are only a few that make up the list of best place to live in California. After all it is one of the best states to live in but finding your own city that perfectly fits your lifestyle, income and choice of activities may take a little work. If you had to pick a location to do it, California is rich in potential locations for just about any persons idea of perfection although they may not be the cheapest places to live in the world.

The Cheapest State to Live In

In previous posts we've examined some of the Best Sates to Live in but in todays down economy many people are considering a move and looking for the cheapest states to live in for strictly financial reasons. Like everything we discuss and share here on the blog there are no simple and straight forward answers or solutions. Everyone is different and everyone's circumstances are different. If you are looking for the cheapest places to live but you also need a job than lower wages could negate any positive impact from a lower cost of living. Similarly if you're retired why live in a place that has high employment and a high cost of living to go along with it? As you know we are big proponents of the Retire Abroad movement. When you're retired you've paid your dues and served your country by being productive for the past forty, fifty, sixty years. Now it's your turn to relax and enjoy life. But once again I digress!

Factors Affecting Cost of Living

As we've discussed ad nauseam there are numerous factors that will influence the cost of living in any area you choose to live.

• Housing is probably the most obvious, and can still vary depending on if you rent or buy. So, it important to consider both. For example some parts of the country the market demand for rentals has not kept pace with the price of real estate. In some places one can rent for half of what it might cost to own.
• Taxes are another thing many people overlook. It's important to add up both state income taxes and the local property taxes. In combination these too have a significant impact on your cost of living.
• Daily Expenses - The price of daily use items like gas and food will also vary from state to state.
• Employment - Employers in any given state or area will have an impact on cost of living too. In Seattle, for example, one of the biggest employers is Microsoft. People there are well paid and the market is more than happy to rise to meet and greet that disposable income. Thus Seattle ranks as one of the most expensive cities to live in. The reality is the majority of people living in Seattle do not work for Microsoft but, the high salaries there tend to inflate the overall cost of living.

The Cheapest States to Live in

Let's first take a look at the cheapest states and then narrow it down to find THE Cheapest. Generally speaking the most affordable and least expensive states to live in the U.S. tend to be in the Midwest or South. As one would expect Alaska, Hawaii, New England, and the entire West Coast from California to Washington are the most expensive states to live in America so finding the best place to live in California won't help you much.

Research that was done by the Missouri Economic Research and Info Ctr. says the 10 most affordable states are:

1. Oklahoma
2. Texas
3. Tennessee
4. Arkansas
5. Nebraska
6. South Dakota
7. Missouri
8. Kansas
9. Georgia
10. Mississippi

Now it's important to take into consideration the time lag between data collection and the publishing of results. Also, data can sometimes be accumulated over an extended period of time. When the economy and the world at large is stable these data bases work just fine but when we experience major shifts and changes that are sudden that data can be blown out the window in a second. A good example of this is Japan who just a few months ago was acknowledged as one of the Best Places to Live in the World. But today following the devastating Earthquake,Tsunami and nuclear crisis, Japan is likely not on anyone's radar as the 'best place to live'. The same could be said for parts of the United States. Prior to our own economic melt down the midwest and Motor City in particular where nice stable places to live and be gainfully employed in the auto industry. Today not so much. A year or so ago I wrote about the Detroit having the cheapest house in America. And when you read that list above you may want to add anywhere in the "Rustbelt" to that list of cheap places to live in America. Upstate New York including Buffalo and Rochester, Ohio, Michigan and some parts of Indiana could certainly make the list.

Oklahoma and Kansas are cheap in terms of housing and those they are decent places to live. One cold easily say they are better looking places to live as those 'Rustbelt' states look pretty rough most of the time. The downside to OK and KS is the fact they can be pretty 'ho hum' boring. The deep south sates are also cheap but wages are very low for many which leads to a lot of poverty.

The Cheapest State to Live in?

After reading this you are hopefully in agreement that picking the cheapest state to live in is still a very subjective matter - it's all in the number and the numbers you use can result in pretty much whatever you want. Just looking at figures Oklahoma is the cheapest with low housing costs, low insurance and low tax. If you're retired or have a virtual business then it may be a great state to live in. But if you're needing to combine your relocation with a new job you might want to think twice - the low local wages may just wipe out any gains you make from reducing your cost of living.

Editors note: This post about the Cheapest States to live in obviously appeared in April 2011. Be sure to check out our latest (November 2011) exploration of the Best States to Live in. We created a new series of articles exploring the country region by region, up and down and side to side to uncover the best states and what makes them great.

Best Places to Live in Florida

Yesterday my brother and I were having that conversion that comes up from time to time - where to live when we get older. I asked, 'Do you think you'll stay in this house forever? Had any thoughts on where you might want to live when you retire?' His response didn't really surprise and it reminded me that the more things change the more they stay the same. He said at first he was worried the kids might be upset if he sold the house but after discovering they really didn't care it got him thinking he might just make a move one day. Where to Live? Florida - he said the idea of living somewhere that the weather is nice would always be important to him but what really attracted him to Florida was the warm gulf waters. Now that makes sense to me and it got me thinking,

Where are the Best Places to Live in Florida?

Here's what I learned - every American knows that Florida is a world famous southeastern state . That infamy comes from a lot of different places - surely world famous Disney World is one but also the unique features of this place have attracted people long before Disney was around. Did you know the Atlantic coastline on the east side of Florida is over 1,200 miles long? Of course like my brother the warm water of the gulf is matched only by the attractiveness of the sunny warm climate. It's called the Sunshine State for a good reason. Oh and did I mention the beautiful beaches? Florida also has a low crime rate, its a great place to be active and sports lovers are drawn to the sate for everything from Golf to Baseball to Fishing. Yes, there's a lot to love about Florida and I'm sure it will remain one of the best states to live in. Now there there are numerous places which could be considered the "best places to live in Florida" but like anywhere it is up to individual tastes and interests. For examples people with kids need family friendly spots where by the retiree may want something completely different. Lets' look at the short list for what most would consider the best.






Tampa and the Tampa Bay Area

Tampa Bay is on the West coast in central Florida . It's known as the largest open water estuary in the states and covers more than 1031 sq kilometers. As a naturally protected harbor Tampa is safe and one of the best places for families to live. The port of Tampa Bay is an important commercial hub while the beaches and downtown area attracts many visitors as it's considered one of the Florida Hot Spots for entertainment and fun. This area offers plenty of lifestyle and community activities with festivals and events held throughout the year. Stores, restaurants, and the longest continuous running sidewalk meanders along the bay, perfect for walking, riding and roller blading. There are numerous condominium complexes that typically have great swimming pools and activity centers making this Florida place one of the best places to live for singles and families alike.




Jacksonville - northeast Florida

Jacksonville is another large and well known Florida city. The metro parts of this city are best for the young hip single crowd including students fresh business people and those who are looking for good business work opportunities. The ultra friendly people of this city really create the atmosphere and make Jacksonville one of the best places to live in Florida. Move out of the downtown and into the burbs and you'll find excellent neighborhoods for young families. Jacksonville is located on the northeast coast of Florida. One interesting fact many people are unaware of is that it is the largest city in relation to total land area in the United States.

Miami - Southern Florida East Coast

Miami is located on the Atlantic ocean - the east coast of southern Florida. Truly a city that is all international, Miami is  known as 'The Gateway to the Americas'. There are numerous corporate headquarters, TV studios, educational institutes - media, music, fashion, film and performing arts abundantly spread all over Miami creating a colorful impact on life and living in this, best in Florida place. Miami is home to a very busy port with cargo and passenger shifts on a continuous move. Miami is a good consideration for younger people, students, singles, multinational executives, art-lovers... well it could be consider one of the best cities to live for just about anyone who is into the hip urban scene.




Fort Lauderdale - Southern Florida East Coast

Over the decades Fort Lauderdale has constructed an elaborate maze of internal canals earning it the nickname - The Venice of America. Although this tropical paradise looks nothing like Venice and there are no signs of the famous Italian gondolas it's true the canal system offers transportation via water taxis and a dock at almost every back door. This famous Florida city is the perennial popular Florida tourist destination. It's known for excellent dining and nigh life at numerous restaurants and clubs. Tourism is the main industry of Ft Lauderdale so those looking to live and work here are best to have education and background in the hotel, hospitality and tourism field. It's also known as a major manufacturing and maintenance port for expensive yachts and of course a major cruise ship port is located here.




Pompano Beach - Southern Florida East Coast

Pompano Beach is another beach city found north of Fort Lauderdale. Broward county is known to include a number of desirable spots to live. including Pompano. Because these beach communities are being redeveloped from mainly tourist to more residential they are considered some of the best places to live in Florida. Once only the bastion of retirees now working singles and families co-habitat these beach communities of Florida. Here people of all walks of life enjoy the ocean scenery and the multitude of active pursuits it brings. Real Estate is still comparatively expensive in Pompano Beach due the publicity surrounding it as one of the country's top vacation home markets.

Tallahassee - Northeast Florida Coast

This is the capital city for the state of Florida. Tallahasse has been an anchor with history and stability since Florida became a popular destination. It's known for having good educational facilities including several universities and colleges. Florida State U; Florida A&M are both world class and world famous. Tallahassee could be considered one of the best places to live in Florida for professionals who are looking for career opportunities in education and research. Florida schools alos have a reputation for low teacher to student ratios - this contributes to a graduate base that  is bright and quickly employable. They also offer affordable education in some of the best facilities in the country.




Panama City Beach - north Florida Coast (The Panhandle)

In the later part of the last decade the student 'Spring Break' scene was pushed out of the Ft. Lauderdale area and soon found a new home in Panama City Beach. Young working adults as well as students enjoy Panama City as it's become a Mecca for socializing. If your looking for fun in the sun and work in the hospitality industry that caters to the young party crowd than Panama City Beach is for you!

Although a number of Florida cities and communities may appear to be geared toward the young it still has some of the Best US Cities for Retirees - namely Sarasota and Ft. Myers - both in the 2011 top ten list of US places to retiree.   For retirees many like to live in places which are a little laid back. Calm and quiet are keywords and most love Florida for just those qualities. Since people first entered the work force the dream retirement spot has always included a warm climate, beautiful beaches, cheap real estate and low taxes - things Florida has and continues to be known for. Those who retire also want to consider health-care options including proximity to quality medical care. Almost any city in Florida offers retired folks all these things plus time and opportunity for intellectual and cultural pursuits.  And for those in the middle - a little old for the party  scene - too young to retire Florida still offers some great places to live for working singles and those who are married. For example, if you're in a business which means you  need to travel internationally metropolitan areas like  Tallahassee, Miami, Ft Lauderdale, Orlando and Tampa also offer excellent transportation hubs. The central location of Florida makes it ideal as gateway to all points North, South, East and West.





Juan Ponce de Leon, the European explorer, was the first to visit Florida way back in 1513. He named this magical place 'Florida'  which means 'feast of flowers'. Since those days millions upon millions of modern day explorers have ventured to Florida on vacation always mindful and always commenting about how the locals are so lucky to have settled in Florida. It's true Florida offers something for everyone - from beautiful white sand Beaches to hopping  bars and night clubs; from world class  universities to natural parks and hiking trails; from golf courses to museums to international corporate offices - yes Florida does in fact have it all!  When it comes to discovering the best place to live in Florida it will certainly vary from person to person but in the end there is sure to be a best place for everyone who wants to call Florida home.

Cheapest Places to Live - Reboot!

This blog all started when I was living in Panama and discovered I could live 'like a king on a paupers wage'. As I traveled back and forth to Canada and shared my journey I realized how few people knew that there were cheap places to live that offerred them just as much if not more comfort and amenities than they had where they were living then. Thus the name of the blog. But over the years the discussion expanded well beyond Panama and well beyond just the cheapest places to live. We've discussed a lot of different topics - everything from the Best Places to Retire to Great Places to Visit or Vacation. We've talked about Cities, Countries, States, Provinces, Towns and even beaches and restaurants. It's quite exciting just thinking about all the things we've discussed and learned about!

And now, I have a confession to make - I'm needy and I really want people to visit this blog and join the conversation. It is my hope that people reading and participating in this blog go away with less judgement towards other people, other cultures, other lifestyles and adopt a more open mind to the possibilites of living abroad or simply just moving somewhere new in there own country. But my intentions aren't completely altruistic - I want something out of this discussion too. By reading, writing and getting comments about our wonderful and interesting world it helps me plan my next trip and ultimately the next place I will choose to live. I've adopted this motto, 'So many places... so little time!'

I have another confession to make - this one is probably no big surprise - I'm disorganized! It really shows in this blog doesn't it? Part of the blame is this blogger template that we all have to work with. It sucks! I think there is another way to lay things out but I just haven't taken time to figure that out yet. But I do have some ideas and I would like your feedback on just a few improvements that I think will make it easier for you to read and participate.

I'd like to start by organizing my topics and getting things a bit more standardized so it's easier to follow a discussion. I'll start by getting my titles a little tighter and less rambling and more topic focused like,
Cheapest Places to Live: United States - with the colon : separating the main category, in this case 'Cheapest Places' from the place I'm writing about, in this case, the 'United States'.

The other issue is around what categories we want to discuss. I'd really like some feedback here. So far we've got 'Cheapest Places' and other topics like - 'Best Places' - 'Affordable Places ' - 'Expensive Places' etc. And then we've got sub topics like: places to live, to retire, to visit.

I hope I'm nit rambling and that this makes sense. So, now it's your turn. What would you like to discuss? Give me some suggestions for topics and sub topics you would like to discuss about all of the amazing places on this small planet of ours! It doesn't matter if it is the best place to live in California or the worst place to live in the world we can discuss it and we will try to provide some valuable information for you our readers.

Cheapest Cities to Live in the United States

I was chatting with a friend earlier today and we were having a good laugh about these lists that I seem to be so obsessed with. My friend presented the argument that not matter how many statistics are used and how supposedly objective these lists are purported to be the reality is they are always and will remain totally subjective. The fact is when it comes right down to it even the stats are simply just people's opinions. The may have a formula to their cost of living calculator but everyone chose to spend money on different priorities so its still subjective. I couldn't agree more but as you know the reason I play with, present and obsess over my lists of the 'Best places...' or 'Cheapest Places...' is to have fun creating a dialogue - getting the conversation going! It's through listening to and truly understanding the opinions of others that we learn - we learn new perspectives on life and living. If we're lucky from time to time we may even have an Ah, Ha! moment. And with all of that said here is yet another one of my lists! This time I was browsing forbes.com, again! Yes, you know it Forbes is one of may favorite sources. Anyhow, sure enough I found what I was looking for - another list about places to live. This one was about -

America's Most Affordable Cities

It's actually a slide show presenting the Cheapest Cities in the United States in photo format. Some lovely shots combined with a little stats about each place. I've noticed Forbes and others going more and more to this visual format - probably something their stats told them their readers are ore attracted to!

The slide show starts with #10 and counts down to #1 - presumably #1 is the cheapest or most affordable city in America.

#10 is Austin, Texas with a 'Cost of Living' rank of 15; unemployment 6 and Housing costs 25.

vs

#1 Oklahoma City, Oklahoma with a Cost of Living' rank of 12; Unemployment 4 and Housing Costs at 2.

Obviously the lower the score the more affordable or cheaper that city is to live in.

As Forbes writer Francesca Levy points out,

"Just because you can get by on the cheap doesn't mean these places are backwaters."

and I'll add that some of the most expensive cities in the world are down right nasty places that I know I wouldn't want to live.

It's true - this top 10 list of Cheapest Places to Live presents some pretty nice digs that many people would not only consider a great place to live but even long to visit there on holiday. Take for example Nashville, Tennessee in 5th place. Most Americans consider Nashville to be a pretty cool place. It's certainly a top spot for American culture and entertainment. Austin, Texas in 10th place is no hole in the wall either.  Austin has become one of he nations leading hot spots for the high-tech industry so not only is the cost of living low - the job prospects are great and getting better every day.

If you've been subscribing to or following this blog for log you'll recognize many of these Top 10 Affordable Cities on some of our other 'Best in America ' lists.

Source: Forbes.com

Best U.S. Cities for Retirees 2011

The Best Cities For Retirees in 2011 – When you're thinking about retirement you might just be like a lot of other retirees who are considering moving. It's not a simple task as there are a number of things you want to take into consideration. We've touched on this many times in this blog - no list will ever be complete enough for everyone. That's because each of us has different needs, wants and values when it comes to what we believe to be the Best Place to Retire. For some being surrounded by nature and awe inspiring vistas may be #1 for others find a vibrant city with plenty to see and do is the winner.

Often I write about countries and places from a bigger perspective but today I thought we would have a look at city living and specifically the Best Cities for Retirement in 2011.

Best Cities For Retirees

This idea hit me when I was reading my news feed this morning and saw an article and list on RandomForest.com which listed the Best Cities for Retirees in the United States. Along with the list was a great little article about the top things to consider when searching for the Best Place to Retire. The author made this comment which I loved. He said,

"Retirees aren't going some place to die, they're going some place to live!"

I love that! It really helps one get focused on what will be most important for this next transition in life. So often we get caught up in worry about cost of living. Many retirees seem obsessed with finding the Cheapest Places to Live but there's so much more to life and living than money. Here are a few things which are top of the list to consider when looking at the Best Cities for Retirees -

#1 Safety – Everyone wants to feel safe especially at two key times in your life - when you have children and when you are getting older. No one wants to retire to a place where they are in fear or constantly on edge. That's a sure way to get to the next transition (death) even faster!

#2 Best Health Care – When we were in our youth we took risks under the assumption we would live forever. But let's face it even if you've taken good care of yourself there are still a number of little things that pop up as we get older. We need access to health care that is responsive, intelligent, and competent.

#3 Best Environment (Weather) – I currently live in the west and can’t imagine the idea of shovelling snow. My retirement property is in Panama and there's a good reason I chose that place. If you're looking to retire in a big city you want it to be in a place that's sunny and bright with a relatively low level of precipitation. Why? Because you want to stay active and have fun! What do you want to do when you're not working - go golfing, hiking, play tennis, swim? What hobbies do you and will you enjoy most?

#4 Friendships - With time on your hands the last thing you want to discover is that you've landed in 'snobs-ville'. You've worked your whole life and sometimes you probably had to put up with nasty people. Now that you're retired you can chose who you associate with and where you want to live. Being with like minded people who want to have fun and enjoy each others company is a high priority. The last place you want to find yourself is in one of the most miserable cities in America.

So, which U.S. cities rank highest on these criteria? Here are the top ten best cities to live in USA -

10 Best U.S. Cities For Retirees

1. Asheville, NC
2. Sarasota, FL
3. Prescott, AZ
4. Paris, TN
5. Austin, TX
6. Green Valley, AZ
7. Winston-Salem, NC
8. Beaufort, SC
9. San Diego, CA
10. Ft. Myers, FL

In a future discussion we'll have a look at the Best States to Live in both from the perspective of the retiree as well as the working person.

Cheapest Restaurants in Dublin

There are excellent restaurants in Dublin but some of them are very expensive. If you're on a budget you can get really fine food for less at the Cheaper Restaurants in Dublin. Fortunately you can find them throughout the city.

Whether your preference is fish and chips, Chinese, Italian, Indian or Thai cuisine you there are numerous reasonably priced restaurants all over Dublin.

My favourite fish and chip place in the city is Beshoffs in O'Connell Street. This traditional fish and chips restaurant is almost 100 years old and is noted for the freshness of their fish and the quality of the chips. Fish is selected from the quayside (in Howth) and there can be up to 20 different varieties, depending on the day's catch. Cod, haddock, prawns and scallops are among the favourites. Although they specialize in fish, they also serve chicken, burgers and sausages as well as a variety of vegetables. But it is the fish that most people come for. Customers have a choice of takeaway or eat in the Edwardian style rooms upstairs.

For a really good value Chinese meal I like to go to Jimmy Chungs. It is located on Eden Quay in the City Centre just off O'Connell Street. There is a wide variety of authentic Chinese dishes including starters, soups, main courses and desserts. The food is presented buffet style and you can eat as much as you want for a fixed price. This is an excellent option if you are staying in any of the city centre accommodations and is especially suited to groups and parties.

Pizzas are an ever popular meal, especially late at night, and there are numerous pizza joints all around the city centre. Most of the well known brands are there and they are tasty enough but my favourite is a less well known place called The Independent Pizza Company. This is located in Drumcondra on the north side of the city. Here you get a very large pizza with a huge variety of toppings. This is the tastiest pizza I have found and it is reasonably priced.

Another very good, if somewhat unusual, choice is the Mongolian BBQ, in Temple Bar. This is another 'eat all you want and come back for more' establishment. Mongolian BBQ is prepared on a large griddle where you select fresh meats and vegetables from a wide choice, along with herbs, spices and sauces, and they are cooked to perfection on the griddle in a few minutes while you wait. You can also have as much rice as you want and you can return to the buffet as many times as you like. I find that, even when you are very hungry you are fully satisfied after the second round. This is a convenient, healthy and fun way to eat out.

Indian restaurants have become very popular in Ireland in the past few years with numerous take away and sit down outlets appearing around the cities and towns. My favourite in the city is Afsana Indian Restaurant in Temple Bar. This place never disappoints because the food is consistently good, they serve generous portions and the prices are reasonable. They do some excellent Tandoori dishes and their pilau rice is perfect.

Thai restaurants are now becoming more commonplace and we are becoming more accustomed to the cuisine. Dublin has its fair share of Thai restaurants but there is one which stands out. The Thai Orchid is also one of the oldest Thai restaurants in the city and their experience shows in the quality of the food and the variety of authentic Thai dishes. The aroma of lemon grass and coconut which assails your nostrils when you enter assures you that a true taste of Thailand awaits you.

The city of Dublin has all the world renowned fast food outlets and takeaways and it is possible to find the Cheapest Restaurants from almost every nation in the world. There are many good Spanish Restaurants and Tapas Bars, Japanese Sushi restaurants, French, Vietnamese, American, Moroccan, Lebanese and many others throughout the city so there is a taste and price range to suit everyone.

Editors Note: As we examine the Cheapest Places to Live one thing that always comes up top of the list is the cost of food. Not just groceries but the opportunity to eat out cheaply. For those looking for the best places to retire living on a limited or fixed budget is often the case. So, finding the cheapest places to eat can be very important.

About our Guest Author: Sylvester H. Grant says, " Don't forget you can choose Dublin Hotels or Dublin Bed and Breakfast while sampling Dublin's fine food.