Whatever your real estate needs are, Hank Bailey will combine his years of real estate experience with his knowledge of growing up in this beautiful town to help you achieve your dream of owning a home or other real estate in the Athens, Georgia area.
As an Associate Broker with Prudential Georgia Realty, I want to be not only a resource for all of your Real Estate Needs in Northeast Georgia, but I also want to show you a "Rapid, Response, Realtor!" You see, there are many who enjoy being "Realtors." Personally I like selling real estate and offering the very best service to Buyers and Sellers in today's market! Listing and Selling Residential Real Estate is not only my business, but also a Passion!
State income taxes
Seven states have none. They are Florida, Texas, Alaska, Nevada, South Dakota, Washington, and Wyoming.
Tennessee and New Hampshire only tax interest and dividend income.
The 27, plus the 7 above, states that do not tax Social Security are:
Alabama, Arizona, Arkansas, California, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Virginia and Wisconsin.
Ten states do not tax a state or federal pension:
Alabama, Hawaii, Illinois, Kansas, Louisiana, Massachusetts, Michigan, Mississippi, New York and Pennsylvania. .
State sales tax
Five states do not have a sales tax:
Alaska, Delaware, Montana, New Hampshire and Oregon.
The 10 states with the lowest overall tax burden
The percentage shown is the tax burden as a percent of personal income.
* Alaska 6.6%
* New Hampshire 8.0%
* Tennessee 8.5%
* Delaware 8.8%
* Alabama 8.8%
* Oklahoma 9.0%
* South Dakota 9.0%
* Texas 9.3%
* Wyoming 9.5%
* Montana 9.7%
2010-Whether it's in the Sunbelt or the Rustbelt, a move across the street or across the nation, Baby Boomers are still willing to move to a new place when they retire, according to the 2010 Del Webb Baby Boomer Survey.
Del Webb is America's largest builder of active adult communities. Targeted to those ages 55 and older, its 50+ communities are currently open for new home sales in 21 states. Del Webb has conducted 10 Baby Boomer surveys since 1996 seeking to better understand the attitudes and opinions of this generation-the current and future customers of Del Webb communities.
"Retirement marks a new phase in a Baby Boomer's life, and it only seems natural to relocate or move to a new home when they transition away from their primary career, or from the day-to-day rearing of school-aged children," said Deborah Blake, Del Webb creative director. "After all, when Boomers went off to college, they lived in a new place-a dorm or an apartment. When they married, they lived in a new home-most likely moving several times to different states for a job. Today, Baby Boomers are even purchasing their home before they actually retire.
Whether staying close to home or moving across the country, there are many options for them as they plan their future home in retirement," added Blake.
According to the Del Webb survey, nearly a third of older Baby Boomers plan to move in retirement, with more than 50% planning to move to a different state, about 25% of them planning to move to a different city within the same state, and less than 20% of older Boomers planning to move within the same city.
Additionally, the desire to move during retirement is on the rise among today's younger Boomers surveyed, with 42% of those turning 50 in 2010 planning to do so, as compared to 36% among 50 year-olds in 1996.
Where are Baby Boomers Planning to Move?
For today's 80 million Boomers, the choices vary on where to spend their retirement years. During its 50-year history, Del Webb has found that some consumers choose to retire in place, in the city where they currently live and, potentially, near family and grandchildren. Alternatively, some consumers seek warmer climates such as those found in Arizona and Florida.
According to the 2010 Del Webb Baby Boomer Survey, the Carolinas have emerged as the preferred destination for retirement, while perennial favorites, Florida and Arizona, remain top contenders. Both younger and older Baby Boomers ranked either North or South Carolina first as their preferred location in retirement-with the other Carolina ranking as their second choice. Del Webb currently has six communities in the Carolinas, with five of them opening since 2006 to address this interest in the region as a growing retirement destination.
"There is a huge opportunity to serve this demographic not only in destination locations, but in their own backyard," said Steve Petruska, chief operating officer of PulteGroup, Inc. (Del Webb is a brand of PulteGroup). "While many of them look for a highly amenitized community, some consumers want to be close to urban amenities. These consumers want their community to be located near shopping/retail, restaurants and cultural amenities in the area, or near their family, church and friends. With Del Webb's diverse product offerings and community locations, we are poised to capture this growing demographic."
Factors in Moving
Among Baby Boomers looking to move, the most important factors in deciding where to relocate weighed heavily toward an area's cost of living and access to preferred healthcare programs, 81% and 66% for the younger Boomers. Surprisingly, cultural and recreational amenities, as well as a more favorable climate, ranked higher than being close to family members, including parents, children and/or grandchildren.
For current Del Webb residents, those who plan to move again consider both access to healthcare and cultural/recreational amenities as the most important factors at 71%, with the cost of living a concern among 70% of these respondents. Being close to their grandchildren ranked second to last in consideration at 44%.
According to Blake, this survey confirms that Baby Boomers want, need and do lead an active social life. "Their day planners are more scheduled today than ever before and they would have it no other way," she said. "They want to take their hard-earned money and stretch those dollars in a community that gives them confidence, not only in the stability of the market, but also a vibrant life. It's great if that community is near their children or grandchildren. But, if it's not, that's okay, too."
With the SRES designation addressing the fastest growing market segment in real estate, Boomer AuthorityTM Association and SRES have launched the first "Value-Added SRES Designation Program" for real estate professionals serving the 50+ demographic.
The Boomer and Senior Market
Why are 50-plus clients moving? To be closer to grandchildren. To start that vineyard they've always dreamed of. To address health concerns. The list goes on and on. Can you speak to the unique motivation they have? Do you know how to counsel your client on their options? This is the kind of distinction that can set you apart.
Through Boomer AuthorityTM as a Value-Added SRES designee, you'll be able to immediately:
> Join a group of REALTORS® who comprise one of the fastest growing networks in the country.
> Register online for courses available in over 50 states and provinces.
> Connect to a nationally advertised brand in the consumer market.
> Market your personal brand with designs and tools you receive with membership.
> Create your own "Optimized Landing Page" on Boomer AuthorityTM, which will extend and expand your personal brand, reach 1000s of 50+ Boomer Boomers that are in immediate need of your expertise, and ultimately help you secure new listings and sales and generate incremental revenue.
Each SRES Designee can use their Optimized Profile Page on Boomer AuthorityTM as a custom "Landing Page" which explains in detail how you, as a professional SRES Realtor, can help a Baby Boomers and Seniors with their real estate needs.
SRES Designation Program
The SRES® 12-hour designation program instructs REALTORS® to profitably and ethically serve the real estate needs of clients age 50+. Includes first year membership in SRES Council and its umbrella of services.
SRES Designation Requirements:
Three (3) requirements must be met to attain and use the SRES® designation:
1. Successful completion of the two-day SRES® Designation Course, including an 80% passing grade on the exam.
2. Maintain active membership in the National Association of REALTORS®
3. Maintain active membership in the SRES Council.
The first year membership in the SRES Council is included in the SRES Designation Course fee. However, every year thereafter will require payment of annual dues of $99. Membership in Boomer AuthorityTM is always free.
For information on the course outline and learning objectives, click here.
Display the Badge of Distinction with Pride on your Blog or Website
SRES Designation Badge
Upon certification, you will be authorized to display on your web site or blog this distinctive badge recognizing your professional status and association with SRES and Boomer AuthorityTM.
Your Boomer AuthorityTM Optimized Landing Page
Below are the key components for the creation of your custom landing page:
1. Professional profile - You may use as many words as needed with embedded links, photos & a thumbnail. Visit a typical Optimized Landing Page on Boomer AuthorityTM HERE.
2. Service offer - An explanation of the offer, fees, how will you deliver your service (i.e. telephone, conference call, webinar, in-person, etc), etc.
3. Area of real estate expertise - (i.e. town, city, etc.)
4. Upload pictures and video to your personal page.
Third-Part Application & Widgets
Boomer AuthorityTM has many useful applications to help promote your services: you may upload videos, third-party widgets, photos, RSS Feed your blog or radio show, and much, much more. Visit the Applications available to you right from your Profile Page. And, of course, you may edit your Profile Page on-demand 24/7. There is no cost for third party applications.
If you have authored a book, you may have it listed for free and available for purchase at the Boomer AuthorityTM [Book Store].
Already Have SRES Designation
You immediately qualify for membership in Boomer AuthorityTM if you have already successfully completed the SRES Designation program. Learn more about joining Boomer AuthorityTM click here.
States With No Sales Tax
Alaska, Delaware, Montana, New Hampshire and Oregon do not have a sales taxes. While some States have a uniform rate. others allow counties and municipalities impose a local option tax onto the base tax rate. States with a single rate include Connecticut, Hawaii, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, New Jersey, Rhode Island, Vermont, Virginia, and West Virginia.
The highest sales tax are found in:
New Jersey (7.0%)
Rhode Island (7.0%
The final tax will be higher, though, in those jurisdictions which permit a local option tax.
As I traversed through my daily schedule this week I had an opportunity to speak with a Colorado gentleman traveler to Athens. He said he was really just a visitor who had dropped into town, although he just took a position at the University of Georgia, and he asked what a 57 year old could do in Athens for fun.
Considering my passion for my "Classic City" and through my experience with BestBoomerTowns, I was able to give him a few ideas.
· Athens Heritage Walks Due to our status with the National Trust for Historic Preservation's as one of the 2009 Dozen Distinctive Destinations, there are tours being put on all season long that look to provide tour goers with a colorful fresh perspective to our Athenian history. Go to http://www.achfonline.org for information and the schedule of each tour.
· Ashford Manor Concerts on the Lawn-September Always a good time. Bring a friend, spouse, or find a friend while you are there! Food, drink, and fun follow suit at Ashford Manor in Watkinsville.
· College Football: UGA vs. South Carolina September 12, 2009; Self Explanatory. Go to a game with 95,000 UGA fans and you too will start bleeding red "and" black. Especially when South Carolina comes to Athens!
· UGA Golf Course Memberships for as little as $545 per quarter ($605 for the general public) and conveniently located near campus. Come and play the highly competitive UGA Golf Course. If you love golf and don't happen to be lucky enough to have football tickets this fall, you will pretty much have the course to yourself on Saturday afternoons!
These are just a few ideas. Check out VisitAthensGA.com for more things to fill your days and point you to where to play at night!
In the end, this gentlemen traveler to our town told me that he could not have created a better place to work and live than his new found home town of Athens. In parting, he told me he wished he had come to Athens years ago! He said unlike many places he has lived across the country, Athens was the only place in which when you said "Good Morning," you always got a reciprocal "Good Morning" with a smile! I hope you will visit our Bubble City of Goodness one day as well. Be prepared however, because you won't want to leave when you are under the spell of our southern charms!
You might have noticed that my posts were absent last month. Well I am happy to say that all of the lobbying I did to Forbes paid off again! It is usually me and Donald Trump trying to volley our interests forward each year! In the month of July, Forbes came out with a piece entitled, “Best American towns to visit by car.” Athens, GA was one of the few and the proud to be included in this list.
They point out what we already knew of course that we have a thriving culture and music scene, hence the nickname, “the Classic City,” and they say Athens is “chock full of coffee shops and bars suitable for late nights and philosophizing.” What is interesting is that they comment on the fact that we have a thriving “bike” culture which I think testifies to an active lifestyle as well as a desire to live “green.” You can find the column at http://www.msnbc.msn.com/id/31493051/ns/travel-destinations.
A couple of upcoming events of note;
The Athens Clarke Heritage Foundation is sponsoring a guided tours celebrating Athens-Clarke County's designation as one of the National Trust for Historic Preservation's 2009 Dozen Distinctive Destinations. For more information please go to their website at http://www.achfonline.org.
The Athens Habitat for Humanity’s Birthday Bash http://www.athenshabitat.com
For 21 years serving the local community!
Finally today, let me mention that when you look over the list of things to do around Athens right now they are consumed with the outdoors. From stargazing with the Athens Astronomical Association to going down a sleepy stream on a raft, tube, or kayak, to taking a full moon hike at night, our parks seem to be busy right now 24/7!
Come Visit Athens, GA and you will find that the “Bubble City” of Goodness has been waiting on you!
It is late June now in Athens, GA. Contrary to the reputation of the area for summer time heat, it is a temperate 82 degrees and sunny today. The weather has been pleasant due to the volume of rain we have had this year. Area lakes, have I mentioned there are four lakes within an hour’s drive that cover a total area of 164,000 acres, are at or a couple of feet off “full pond” again now that the drought has left the southeast!
As I scan through local events I notice the Athens Farmer’s Market is in full swing now through November 14th. In addition to locally grown food, there are crafts, music, “merriment, and our memories shared on Saturday mornings with the young and the old alike at Bishop Park.”
The Sun Flower Music Series at the State Botanical Garden of Georgia also just opened for the summer season. Groups on the schedule are (June 23) Modern Skirts (power-pop quartet) (July 14) FiveEight (three-piece rock band), and (August 25) Grogus (Latin jazz, salsa, Afro-Caribbean jazz and reggae). Tickets can be found at www.uga.edu/botgarden.
If you are in the mood for a little more volume to your music, you have got to go to AthFest. More than 175 bands playing on outdoor stages and in Athens' downtown clubs. Music, art, and KidsFest provide entertainment for every age. What is really great is that all Outdoor stages are free.
Actor/Comedian Patton Oswalt, of Pixar’s Ratatouille fame, says that “Athens is a Bubble Dream City of Goodness and like Willy Wonka’s Chocolate Factory where the streets are paved with pot and Leprechaun’s bring you coffee in the morning.” Well after that, you are either missing the 60’s or are at least curious enough to come give Athens, GA a try!
Kiplinger’s Personal Finance wrote a piece today entitled, “2009 Best Cities: It’s all about the Jobs,” where they examined cities around the country to determine which offered stable levels of employment while also providing new career opportunities.
What they found, and what I have seen in my business, is that in 2009, “many cities are relying on government programs, universities and stalwart industries, such as health care, to bolster employment in a weak economy.”
Kevin Stolarick, who evaluated U.S. cities to look for the most economic growth potential, found, “Although downturns are felt by everyone, our research has shown that the impact is less severe for those in the creative class — people who are paid to think.”
As it turns out, Huntsville, AL was #1 on the 2009 “Best Cities” list by Kiplinger’s. No shocker there. Huntsville is definitely a city of “thinkers.” What might be a surprise and a source of amusement to many Americans is that Washington D.C. was #3 on Kiplinger’s list of 2009 Best Cities! I am not personally seeing where Mr. Stolarick’s comments regarding “those in the creative class — people who are paid to think” and the words “Washington D.C.” fit together.
What I am both pleased and impressed to see is that Athens, GA came in #5 ahead of notable cities such as (#7) Madison, WI, (#8) Austin, TX, and (#10) Raleigh, NC. Please check these links out about our “Classic City.” I think it gives us just another reason to feel proud of our little slice of heaven!
Did you realize that Athens, Georgia is on the foothills of the Blue Ridge Mountains? If you like an active lifestyle head north from Athens and you will find plenty of outdoor recreation just a short drive away. From trout fishing and canoeing, with your pick of either a slower pace of a placid mountain stream or if you like the rush of whitewater, you can try on the Chattooga River. Horseback riding and hiking from Anna Ruby Falls to Tallulah Gorge or maybe the quaint whimsical Bavarian village of Helen, the North Georgia mountains provide you with the ability to take a day trip from Athens or make it a week long adventure!
Did you know the world famous Appalachian Trail begins in Georgia? That's right! The 2,175 mile trek starts at Springer Mountain, Georgia and ends at Katahdin, Maine.
A couple of suggestions on where to eat while taking your trip to the North Georgia mountains are two favorites of my family. The Dillard House in Dillard, Georgia serves three large meals a day "family style," and true to southern hospitality no one leaves the table hungry! Also, if you make your way over to Dahlonega, Georgia, you must stop by the Smith House where serving platters are piled high with fried chicken and baked ham. Roast beef and Southern style fried okra, candied yams and a dozen or so different fresh, steamed vegetables; homemade yeast rolls and corn muffins that melt in your mouth keep coming to the table until you say "Uncle!"
If boating and water activities are your pleasure, let me suggest a tour to Lake Burton or Lake Rabun, which are both in Rabun County Georgia. The Lake Burton Fish Hatchery and Moccasin Creek State Park are located on the western end of Lake Burton. The lake is home to Spotted Bass, Largemouth Bass, White Bass, Black Crappie, Bluegill, White Catfish, Rainbow Trout, and Yellow Perch. Lake Burton is a 2775 acre lake with 62 pristine miles of shoreline which makes boating fun a pleasure! Lake Rabun is a smaller more intimate lake, 835 acres, that is steeped in rich mountain living. One event to note is that on the Fourth of July each year there is a wooden boat parade that follows the shore lines of the lake.
Prizes are awarded to the best decorated boat and boat house. At night from either boat house or by boat, residents and visitors can catch a fireworks display on the lake that exceeds expectations!
The beauty of all of this is that within an hour and a half drive from Athens you can have mountains at your finger tips! Just another reason why Athens, GA is a fabulous place to spend your "Second" childhood!