PAM DUNN

Most people do not think about local and state taxes when choosing a place to retire. An unexpectedly tax bill could put a crimp in your rretirement living!

Do your research before you move-Know what to expect before the bill!! As important as family, climate and housing is when choosing a place to retire --taxes shouldn't be overlooked said Eve Evans, co-author of the new edition of America's Best Low-Tax retirement Towns.

"Relocation to a low-tax town could result in more disposable income and a better standard of living."

One in 10 seniors now moves out of state to retire and that number will grow as more boomers retire. Boomers have changed jobs and crisscrossed across the country more than their parents ever did. People should start considering where they want to retire 3-5 years prior to the day and really do their research. It will pay off in the long run!

Visit your choices of retirement and get a feel of the local environment, talk to the people, drive around and get advice from a Real Estate Agent.

Retirement living.com, which advises aspiring retirees on popular places to settle down ans just updated its web-site with current information.

Because property and sales tax rates can vary widely within a state, retirees should focus on the taxes of the towns they are considering says Ms. Evans.. "For much of your life,your job dictates where you live," says Fred Brock, author of Retire on Less Than You Think. " But when you retire, you're finally in control."

Many retirees live on modest income but are property rich, so their property tax bill is crucial. The state with the highest property tax burdens are new Jersey, New Hampshire and Connecticut.

If thinking of retiring-consider Tennessee-The Affordable Paradise

Thanks to Bob Moos /The Dallas Morning News for this insightful article.

Time is running out guys! You have till December 1,2009 to buy that home of your dreams. Not only first time home-buyers, but those that have not been a homeowner the last 3 years.So you have a little over 4 months to take advantage of this tax credit.

Normally it takes about 30-90 days to find the home you want and then 30 days to close- So you can see that time is ticking! Most first-time home-buyers can qualify for 100% financing so do not waste any more time and call me so we can get started. You can not afford NOT to take advantage of this incredible tax credit! I can put you in touch with lenders to get you qualified to speed this process up. The closing agent I use can get you closed quickly, as long as you get all the financing completed up front.

I will also give you a CHOICE BUYER BONUS! According to how many homes I show you( for you already have done your homework on -line), you will get part of my commission back!!!Go to my website www.cumberlandmountainplateau.com or my company website www.choiceoftn.com for all the details!

Pam Dunn- Your Consumer Advocate---To Save You Money!

Call me at 931-210-8655 directly or toll free 877-TENN4ME

Choice Realty of Tennessee ( formerly Choice Real Estate )

7387 Plateau Road Crossville Tennessee 38571

I get so excited when I can give my buyers money back when they allow me to help them achieve their dream!

I sold a client a piece of property-the first and only one they looked at. They did the work- so I shared my commission with them! I gave them 1/2 of 1% of the selling price back on Visa Gift card to use same as cash. They were so excited to find a $195.00 card with their closing papers!!! Boy does this make you feel good!! And what a referral tool !!!

Do you want a BUYER BONUS?

If you want money back after your closing-call me to find out more:

Pam Dunn 931-210-8655 cell or 931-277-3327 office

Choice Realty of Tennessee

7387 Plateau Road

Crossville Tennessee 38571

Today's economy is very frustrating for sure! If you are like me- I close my eyes when I open the statement from my 401K. I am so tired of seeing the negative mark next to the numbers-aren't you?

Investing in land is the smart choice! There will never be more of it (unless you live in Hawaii). Land does not go away, it is a constant and will always hold its value.

Of course, it is important to buy where property is increasing in value- hidden jewels not yet found.It is wise to buy where the cost of living is inexpensive-this attracts buyers to the area-guarding your investment.

So where is this? Crossville Tennessee and the surrounding areas is the new North Carolina. The Carolina's used to be the choice, but the cost of everything-especially housing is through the roof! Tennessee is just as pretty, still a great choice of life and is the" Affordable Paradise".Go onto my website at www.cumberlandmountainplateau and see the prices of property in this area. You will be amazed! Come see for yourself- where the mountains kiss the sky!

For all your Real Estate needs call Pam Dunn office 931-277-3327 or cell 931-210-8655

Choice Real Estate 7387 Plateau Road Crossville Tennessee 38571

www.choiceoftn.com Your Transition Expert

When I go to the internet to research, where one of the best places to retire is- I am shocked that Crossville Tennessee is not number one! The place that is listed is near Nashville Tennessee.

Crossville has so much to offer! It is halfway between Nashville and Knoxville, so you can pick the big city you want to visit. It is near the Smokies, so you can go to Gatlinburgh with the family.The aquarium is out of sight, many museums,and lots of restaurants.

Check out this picture I took at the Aquarium: Jelly Fish!

There are 11 golf courses in the area you can choose from. Bear Trace is nationally known! Visit www.fairfieldglade.cc for information about this resort community.

Many National Parks for your outdoor activities. Visit www.tennessee.gov/environment/parks/cumberlandMtn .

Dale Hollow Lake is 45 minutes away where you can scuba dive, fish, boat and camp. Center Hill Lake is only 1 hour away.

Crossville has two wineries that you can tour and taste samples. Chestnut Hill Winery www.chestnuthillwinery.com. and Stonehaus Winerey www.stonehauswinery.com

There are many campgrounds, some in which accomodate an RV for your touring pleasure.Drag Racing and Motocross facilities are available seasonal.

Antique shopping abounds in Crossville and all the surrounding areas.

Taking a drive all around the Plateau is absolutely beautiful.Mountain views, babbling creeks,lots of wildlife and wonderful people!

This is a great place to visit and a better place to retire. Low cost of living, low taxes, no state income tax. The lifestyle is laid back with no traffic, no rat race ,no hurry!!! People are fantastic-they are friendly and sincere . It is hard to go any where else once you experience the Tennessee life!Come see for yourself-

Tennessee THE AFFORDABLE PARADISE !

For all your Real Estate needs in the Crossville area:

Pam Dunn Choice Real Estate www.cumberlandmountainplateau.com your Transition Expert

7387 Plateau Rd Crossville Tennessee 931-210-8655 cell 931-277-3327 off