Fall Adult Tennis Programs at the USTA National Campus

Adult Programs

Our Adult Programs offer something for all levels of play and experience. Just starting out? Try our Play Tennis Fast or Tennis 101 program. Played before? Tune up your game with our singles and doubles specific training sessions. You’ll practice the best shot selection and patterns of play in a game-based format. Our programs aim to give you a great workout too! Look for our Cardio Tennis and Live-Ball programs for non-stop action.

Generally our adult programs will be offered on our Har-Tru (clay) courts. Occasionally an event conflict will move a program to the state of the art, Plexicushion courts. Our Adult and Adult/Child programs on the Family Zone courts offer the opportunity for families to enjoy the great sport of tennis together.

To meet your busy schedule most classes are offered as a daily drop in reservation – or save by signing up for the entire session. Please note: drop-ins are accommodated if space is available in the class and are encouraged to be reserved at least 24 hours in advance.

Many programs are offered for specific levels listed as NTRP levels (3.0, etc.).  For assistance in determining your NTRP rating Click Here.  This will guide you in your registration of our programs.

Adult programs are for players ages 18 years and older. 


Play Tennis Fast – Nemours Family Zone

Designed for the new or returning adult player to learn tennis basics in a fun environment.  On the Family Zone’s 36 ft. and 60 ft. courts, players are able to serve, rally and score as quickly as possible while developing their fitness and skills.  Red and Orange balls used to facilitate learning. Racquet size: 25-27 inches.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Fall 2 – 10/23-12/22 (9 weeks)- Schedule coming soon!

Tennis 101

Learn the game or brush up your skills if it has been awhile since you last played. Daytime and evening classes available. Sign up by the session or drop in for individual sessions.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Reserve a Drop In for an Individual Class
Fall 2 – 10/23-12/22 (9 weeks)- Schedule coming soon!

Cardio

Enjoy a heart-pumping workout and hit balls continuously. Improve your fitness and your tennis simultaneously. Daytime and evening classes are available. Sign up by the session or reserve a drop in for individual classes.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Reserve a Drop In for an Individual Class
Fall 2 – 10/23-12/22 (9 weeks)- Schedule coming soon!

HITS

Similar to our popular Cardio classes, but with a play-based focus. Enjoy our “High Intensity Training Sessions” for a heart-pumping workout and hit balls continuously. Daytime, evening and early morning classes are available.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Reserve a Drop In for an Individual Class
Fall 2 – 10/23-12/22 (9 weeks)- Schedule coming soon!​​​​​​​

HITS 90

Similar to our popular cardio classes but with a play-based focus. Enjoy our 90 minute “High Intensity Training Sessions” for a heart-pumping workout and hit balls continuously. Daytime, evening and early morning classes are available.
Reserve a Drop In for an Individual Class 

Live-Ball (3.5+)

A fun and energetic hour of pro led doubles style point play.  The serve, return and “down time” in between points have been removed and really amp up the energy and fun!  Come join us for live-ball play and continual focus on moving from defense to offense. Sign up by the session or reserve a drop in for individual classes.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Reserve a Drop In for an Individual Class
Fall 2 – 10/23-12/22 (9 weeks)- Schedule coming soon!​​​​​​​

Doubles Training

Combine strokes and tactics in these lively game-based sessions.  Practice doubles situations with active play.  Professional/Coach will feed and review technique and shot selection.
Fall 1 – 8/14-10/21 (10 weeks) – NOW OPEN!
Reserve a Drop In for an Individual Class

Luxury Real Estate

The Battle of the Best Savings Accounts

It’s a well-known fact that interest rates on accounts are incredibly low. In fact, the average savings account is hovering around 0.06%.1 That’s such a far cry from pre-crisis times, it’s shocking.

At rates that low one might ask, “Why even have a savings account? Why don’t I just place my hard-earned under the mattress?” We can’t blame you. However, if you did that you’d be leaving money on the table (or under the mattress). There are much better options out there; savings account options that earn fifteen times the average rate of 0.06%.

We’ve scoured high and low to find the best accounts. In our search, we’ve come across a few that stand above the rest. You’d be in good shape if you had any of these accounts, but after some thorough analysis, one of them truly earns the title of best savings account. Here they are at a glance:

At a Glance: High Yield Savings Accounts & MMAs


We were just as taken aback when we first saw these numbers. 1.20% and 1.00%? Why didn’t I hear of these accounts before I put my money in [large, untrustworthy bank X]? You might be saying to yourself, “Barclays Online Savings is clearly the winner because their APY is slightly higher.”

However, you can’t jump to a conclusion as there are other important factors to consider when opening a savings account. So we’ve broken them each down, piece by piece.

Monthly Minimums

Capital One 360 Money Market and Barclays Online Savings are both “No Fee” banks, meaning neither of them charge a monthly maintence fee, nor do they require a minimum balance in the account. In fact, they don’t even require a deposit to open an account!

Tie: Capital One 360 Money Market and Barclays Online Savings

Bank Reputation

This might not have been very important to us before the financial crisis, but times have changed. We need to feel safe with where we put our hard-earned money. Each of these banks are backed by the maximum allowable FDIC guarantee of $250,000. This means if the bank defaults, the US Government would repay you every penny you had in the account, up to $250,000. Bank of America, Chase, etc. all have this same insurance.

More than just the FDIC insurance, we need reliability and value from our bank. So here is how the top banks fare in terms of reputation:

Despite being a big brand internationally, in America Barclays is a newcomer. That being said they are growing incredibly fast since experts have been raving about their great savings tools and quality customer service.

Capital One 360 has been donned a great bank for those looking to start building their savings. It’s not just the lack of fees, they go a couple steps further by giving you tools to track your savings progress; and for some they even offer a signup bonus (depending on how much you deposit).

This was a really close call, but because of Barclays stellar international reputation and their rapid growth, we had to give them the slight advantage here.

Winner: Barclays Online Savings

Customer Service and Ease of Use

These companies all have good customer service according to online reviews. 3 star reviews don’t sound great for a restaurant, but for an industry that’s really suffering from an image problem, 3 star ratings are some of the best ratings received. Comparatively, Bank of America had 1.6 stars, HSBC had 1.4 stars and Chase came in at 2.5 stars.

So how did we figure this one out? Members of our team personally opened an account in each and compared notes over a two-week period.

All of the banks’ websites are state of the art and incredibly intuitive; and each has an “American English” speaking support team that is very attentive and easy to deal with.

When we compared our notes, there was a slight differentiation as Capital One seemed to be the most responsive and friendly!

Winner: Capital One 360 Money Market

Interest Rate

This one’s easy. At 1.20%, Barclays Online Savings’s interest rate is slightly higher. Even though Barclays Online Savings’s rate is slightly higher, really either of these accounts are huge improvements over what Chase, Bank of America, or Wells Fargo would pay you.

Winner: Barclays Online Savings

Conclusion

When it comes down to it, Capital One 360 offers arguably the best product out there. They have one of the highest interest rates available, virtually no fees, and a great reputation to boot. So after all of the research, Capital One 360 was our winner of the best savings account!

Winner: Capital One 360 Money Market

How Irma will affect real estate market

Like it did to everything else in Northeast Florida, Hurricane Irma dealt a significant impact to the residential real estate market.

But, like much else, it will come back, according to real estate professionals who’ve weathered the storms for years.

Bill Watson, founder and chairman of Watson Realty Corp., said the local effects of the hurricane began Sept. 8 for his 1,600 employees in 43 offices in North and Central Florida and South Georgia. That was two days before the storm made landfall in the Florida Keys.

“The first phase is when the hurricane warning comes. When the schools close, that affects your workforce,” he said.

Most Realtors are independent contractors and when schools are closed by an approaching storm, they take care of their children and families, Watson said.

After Irma, it was time to assess the damage on the personal and corporate levels and return to work. For many, that began about 12 hours after the storm left the area.

“We reopened Tuesday at noon. Two agents took clients to see houses and we also closed two contracts on Wednesday,” said Sherry Davidson, co-founder of Davidson Realty, which has offices in Jacksonville Beach and St. Augustine.

Linda Sherrer, CEO and president of Berkshire Hathaway Home Services Florida Network Realty, said five of her firm’s eight offices opened Tuesday, followed by the other three on Wednesday when power was restored to those locations.

The first step was to determine if properties had been damaged.

“Our agents started calling all of their listings and all of their buyers,” Sherrer said.

The post-storm phase brings its own challenges that involve title companies and lenders.

Unless a contract was executed, lenders won’t fund the loan until the home is inspected to determine whether the property was damaged. That will probably mean adding about a week or 10 days to the process, Davidson said.

Watson said damage to a property that’s under contract doesn’t necessarily void a sale, provided repairs can be completed within a set time.

“You have 10 days to determine whether the damage is minor and if so, the seller has to notify the buyer,” he said. “If the damage is minor, the seller has 30 days to repair it.”

If the damage is more than what’s considered minor — about 3 percent of the value — the buyer has the option to continue to closing or walk away from the contract, Watson said.

After the initial disruption, the market will return to its previous level, said Sherrer, who has been selling real estate in Northeast Florida through good weather and bad since 1979.

“We’ve got low inventory and low interest rates and demand is very strong. That points to a strong rebound,” she said.

The number of that were damaged will make the untouched properties increase in value.

“If you have an undamaged house that’s ready to move in, you’ll be able to bump up the price. There are still plenty of buyers, but not as much inventory,” Watson said.

He also said Hurricane Irma probably will change the market for the next several months.

“We’ll never get the September business back. And it probably won’t be really back in October, but November and December will be better than they should have been.”

Florida dealing with Hurricane Irma aftermath

Millions of Floridians are cleaning up the damage wreaked by Hurricane Irma as a Navy aircraft carrier arrives in the Keys, where up to 10,000 people may need to be evacuated.

USS Abraham Lincoln reached the Florida Keys on Monday and its helicopters are flying over the region to survey the damage.

The Navy has also dispatched two amphibious assault ships, the USS Iwo Jima and the USS New York, to help with recovery efforts.

Despite leaving a trail of devastation through Florida, Irma has now been downgraded to a tropical storm and is dumping rains across the South in Georgia, South Carolina, North Carolina, Alabama and Tennessee on Tuesday.

Rebuilding efforts in Florida could be hampered by temperatures of up to 90F in the coming days. This will be compounded by the fact that there is no air conditioning, as some 12.5million people in the southeast have been left without power.

The powerful hurricane made landfall Sunday morning in the Florida Keys as a category 4 storm and then made its way up the Gulf Coast – swamping downtown Miami with storm surge and blowing the roofs off .

As of Tuesday morning, officials in the upper Keys were allowing residents and business owners to return and assess damage.

So far, the storm is believed to have caused at least 11 deaths in the US – including two in the Florida Keys, which was under mandatory evacuation during the storm. A 51-year-old Florida man was electrocuted by a downed power line on Monday, while another man – Wilfredo Hernandez – was accidentally killed by a chainsaw in Hillsborough as he helped cut tree branches.

Three people were also killed in Georgia and one in South Carolina on Monday.

 

A key Fed official just admitted the central bank got inflation wrong and so it may delay a hike

Fed unlikely to hike rates this year: Clearnomic's James Liu

Fed unlikely to hike rates this year: Clearnomics’ James Liu  

The Federal Reserve appears ready to accept that its inflation assessments have been wrong, indicating an important shift in how it will approach rate hikes ahead.

In a speech Tuesday, Fed Governor Lael Brainard said the long-standing assessment at the central bank that persistently low inflation is the result of transitory factors that eventually will pass does not add up considering current circumstances.

As a result, she said, policymakers should reconsider the current path they expect for future rate hikes.

“I am concerned that the recent low readings for inflation may be driven by depressed underlying inflation, which would imply a more persistent shortfall in inflation from our objective,” Brainard told the Economic Club in New York. “In that case, it would be prudent to raise the federal funds rate more gradually.”

Brainard’s comments are important because she is considered a close ideological ally of Fed Chair Janet Yellen. While Yellen herself has indicated that the end of the rate-hiking cycle could be near, she and her fellow Federal Open Market Committee members have stood by the belief that inflation ultimately will gravitate toward their 2 percent target.

Tuesday’s speech challenges that notion.

Specifically, Brainard pointed to the current low unemployment rate — 4.4 percent — and compared it to the last time the was around “full employment” from 2004 to 2007. During that run, inflation averaged about 2.2 percent. Currently, the three-year average is 1.5 percent.

Brainard acknowledged that certain factors driving down inflation, such as a drop in cellphone rates, are transitory. But she said there also are temporary factors pushing up inflation, such as a rise in prescription drug prices.

Lael Brainard, Federal Reserve Governor

Andrew Harrer | Bloomberg | Getty Images
Lael Brainard, Federal Reserve Governor

“What is troubling is five straight years in which inflation fell short of our target despite a sharp improvement in resource utilization,” she said.

At the core could be a general drop in “underlying” or long-term trend inflation that is feeding on itself and keeping the rate low, simply because that is what consumers have come to expect. Economists have long accepted the notion that inflation can stay high or low simply because of public perceptions.

“Households and firms have experienced a prolonged period of inflation below our objective, and that may be affecting their perception of underlying inflation,” Brainard said. “In short, frequent or extended periods of low inflation run the risk of pulling down private-sector inflation expectations.”

The Fed has hiked its benchmark rate four times since December 2015 and was on target for one more before year’s end. Traders in the fed funds futures market, though, have shifted expectations and now don’t expect the next rate hike until at least June.

Brainard said the Fed should follow through on its intentions to begin reducing its $4.5 trillion balance sheet of bonds that it acquired mostly during stimulus efforts that started during the financial crisis.

But she believes it should tread carefully when it comes to future rate hikes.

If her sentiments reflect the majority of FOMC members, the shift could pull the Fed away from the majority’s preference for slow but steady rate hikes and more toward the sentiment expressed by Minneapolis Fed President Neel Kashkari and some economists who believe rate hikes should wait until inflation becomes more pronounced.

In fact, Brainard said the Fed should consider letting inflation run “modestly above” the 2 percent goal before hiking again.

“I will be looking closely at the evolution of inflation before making a determination about further adjustments to the federal funds rate,” she said. “We have been falling short of our inflation objective not just in the past year, but over a longer period as well. My own view is that we should be cautious about tightening policy further until we are confident inflation is on track to achieve our target.”

Home sales drop—again—and will continue ‘unless supply miraculously improves’

House . Real Estate Sign in Front of a House.

After a brief improvement in June, home sales continued their downward slide in July, with buyers signing fewer contracts to purchase existing .

An index of so-called pending home sales, which represent closings one to two months from now, fell 0.8 percent compared with June, according to the National Association of Realtors. That is the fourth monthly drop in the past five months. June’s reading was also revised lower. The index is now 1.3 percent below a year ago and has fallen on an annual basis in three of the past four months.

“Buyer traffic continues to be higher than a year ago, the typical listing has gone under contract within a month since April,” said Lawrence Yun, chief economist for the Realtors. “The reality, therefore, is that sales in coming months will not break out unless supply miraculously improves. This seems unlikely given the inadequate pace of housing starts in recent months and the lack of interest from real estate investors looking to sell.”

 The supply of homes for sale at the end of July came in at 2.11 million, 9 percent lower than a year ago. That has fallen year over year for 26 consecutive months.

The housing market remains stuck in a holding pattern with little signs of breaking through. The pace of new listings is not catching up with what’s being sold at an astonishingly fast pace,” Yun added.

Closed sales to buy existing homes fell more than expected in July, with Realtors citing the lack of supply as the primary reason. Prices are also a factor though. The median price of a home sold in July hit $258,300, the highest July price on record. Mortgage rates have been falling through the summer and are now sitting at 2017 lows, but they are still slightly higher than one year ago. Rates have been so low for so long that they provide little relief from the fast-rising prices.

California, which boasts the priciest and tightest in the nation, saw sales slip across the board in July. The number of homes for sale fell yet again and prices hit decade highs.

“The San Francisco Bay Area posted modest year-over-year gains in home sales this May and June, but a tight inventory and waning affordability have taken a toll, and July 2017 sales fell to the lowest level for a July in six years,” said Andrew LePage, research analyst at CoreLogic.

Pending home sales in the Northeast fell 0.3 percent for the month and were 2.4 percent above a year ago. In the Midwest, sales decreased 0.7 percent for the month and were 2.8 percent lower than July 2016. In the South, sales declined 1.7 percent from June and were 0.2 percent below last July. In the West, sales rose 0.6 percent for the month but were 4.0 percent below a year ago.

Yun noted that national sales numbers could weaken more than expected this fall, due to the disruption in the Houston housing market from Hurricane Harvey.

Orlando-area home sales down despite record job growth

http://www.orlandosentinel.com/business/94337272-132.html

Home prices and sales in the core Orlando market were down in July from the month before during what is usually the peak summer buying season.

The midpoint price for an area that includes mostly Orange and Seminole counties was $220,000 in July, down from $222,500 the prior month, according to a report released Tuesday by Regional Realtor Association.

More dramatic than the slight softening in prices was the 14 percent, month-over-month drop in sales to 3,347 for July. Typically sales boom as families relocate prior to the start of the school year.

The association cited a slim inventory of listings as the culprit for what has been a less-than-spectacular summer.

“Would-be first-time homebuyers are being kept on the sidelines by limited inventory and rising prices,” said Bruce Elliott, president of the association and broker associate with Regal R. E. Professionals LLC. “However, rising prices have slowed some of the investor activity, which could mean slightly less competition for at the lower end of the market.”

Compared with a year ago, Orlando’s median home price for July was $14,000 higher.

Orlando real estate Serina Marshall said millennials in particular face a challenge as wages stagnate and prices rise for a group of would-be buyers who are affected by student loan debts, too. Renters in that age bracket also deal with rent spikes and find themselves with few options at lease renewal time.

“Those prices are being jacked up a lot and people are being forced to move out of their apartments to find something more affordable,” said Marshall, an agent with Re/Max Town Centre.

What has not grown from a year ago is the pace of monthly sales, which held flat from a year earlier. The flat sales growth comes despite record job growth for Orlando, which averaged 150 new jobs daily during a 12-month period that ended in June, according to a review of federal jobs numbers.

The headwinds facing newly employed Central Floridians are home prices rising 6.8 percent during a year-long period in which wages rose about 1 percent, according to the federal housing department. Making ownership an even more distant dream, financing has become costlier. July buyers secured average interest rates of 4.01 percent, which was up about a half point from a year ago and up slightly from a month earlier.

Within the four counties that make up Metro Orlando, only Lake showed strong sales growth in July from July 2016. Sales there were up more than 12 percent, while sales in Orange and Osceola counties were largely flat and Seminole was down more than 8 percent.

Orlando real estate can post some of 2017’s hottest gains, reports say

Less than two years after metro Orlando led the nation in foreclosures, it’s now expected to post some of the hottest real estate gains in the United States during 2017, two new reports show.

Home values throughout Orange, Seminole, Osceola and Lake counties are expected to increase 5.7 percent during the next year — the highest rate among the country’s top 100 metro areas, according to real estate analytics firm Zillow.

“It’s actually a thriving market in the sense where people can find employment and buy a house,” said Svenja Gudell, chief economist for the company. Wages are still among the nation’s lowest, but analysts see that unemployment remains low and wages have begun to improve in recent months.

If predictions hold true, Orlando home-price growth this year would exceed the 4.6 increase in home prices expected nationally. The forecasts factor in projected increases in mortgage interest rates.

Analysts say the price increases are unlikely to lead to a bubble in the near term because mortgages are not easy to get and Orlando home values remain below their peak from a decade ago.

On Thursday, Krystal Little and her husband Jason saw a townhouse hit the market in the Winter Park school district. Within hours, they signed a contract to buy it for cash with intentions to flip it.

“Everything is moving in hours now,” said Little, who also is chairwoman of the Orange County chapter of the Central Florida Realty Investors nonprofit.

The Littles plan to paint and make modest improvements to their new townhome before selling it within a few weeks of closing. They plan to reap at least a 15 percent return on their investment.

Even though investor activity won’t lead to a long-term housing recovery, that group has helped rehab the region’s inventory of foreclosures. Little said they are finding buyers more easily now.

“Two or three years ago, investors had to go all out improving properties,” she said. “It had to be pristine. We don’t see that now. It’s mostly cosmetic improvements.”

Limited supply, rising home values, ample jobs and income growth elevated Orlando to the nation’s top market position among the 50 largest metro areas for the current quarter, according to real estate analyst Ten-X. Three other Florida metropolitan areas trailed directly behind Orlando in the ranking: Palm Beach, Fort Lauderdale and Tampa — all also among the hardest hit nationally during the recession.

“The top 20 cities in our report include many that were devastated during the foreclosure crisis — especially in states like Florida — and as home prices continue to recover, they still represent buying opportunities for homeowners and investors alike,” Ten-X Executive Vice President Rick Sharga said.

Orlando’s outlook for the coming year follows two years of booming price increases for a region that suffered during the housing bust. In the core Orlando market of Orange and Seminole counties, median prices have more than doubled from a bottom of $94,900 in January 2011, according to Orlando Regional Realtor Association.

But there is room for more price growth in the Orlando area, in part because home prices are 17 percent below their 2007 peak, said Sharga.

Ten-X reported Thursday that Orlando jumped from fourth to first during the last two quarters to overtake Fort Lauderdale as the country’s top market, when all factors are considered.

Orlando had the highest expected home appreciation for 2017, Zillow ranked it as the fourth-hottest market overall — as other factors such as unemployment or income growth kept it behind Nashville, Tenn.; Seattle; and Provo, Utah.

Zillow’s Gudell said that Orlando still has not recovered fully from the bust. About 11 percent of houses are upside down with values below the mortgage owed on them — four times more than normal for a market but far less than five years ago when about half of mortgages in the region were underwater.

Little said she sees few foreclosure deals and momentum continuing into the new year.

“We’ve been watching prices steadily increase. Even in the holidays, we were watching it increase,” she said. “Normally you see a dip at that time of year, but it’s holding steady. That was surprising to me, and it’s a sign of a good, strong market.”

U.S. Mortgage Rates Move Lower in Mid-July

According to Freddie Mac’s latest Primary Mortgage Market Survey, the average U.S. mortgage rate dropped in mid-July, after two straight weeks of increases.

Sean Becketti, chief economist at Freddie Mac, “Continued economic uncertainty and weak inflation data pushed rates lower this week. The 10-year Treasury yield fell 5 basis points this week. The 30-year mortgage rate moved with Treasury yields, dropping 7 basis points to 3.96 percent.”

Freddie Mac News Facts:

  • 15-year FRM this week averaged 3.23 percent with an average 0.5 point, down from last week when it averaged 3.29 percent. A year ago at this time, the 15-year FRM averaged 2.75 percent.
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.21 percent this week with an average 0.5 point, down from last week when it averaged 3.28 percent. A year ago at this time, the 5-year ARM averaged 2.78 percent.

Here Are 2017’s Best and Worst Cities to Retire

We work hard during our careers to enjoy a comfortable retirement, and for many of us, that means settling down someplace where our nest eggs can go the furthest. But for some folks, finding an affordable place to retire is a matter of basic survival. More than 40% of households aged 56 to 64 have no retirement savings to show for, or so states the Economic Policy Institute. And even among older workers who are saving, confidence about retiring comfortably is declining. With that in mind, WalletHub recently did a review of the top cities to retire in this year, as well as the least desirable cities for retirees. Here’s what they came up with.

What makes for a happy retirement?

Though money isn’t everything when it comes to retirement, it’s a big factor to consider. Even if your tastes are modest, and you’re naturally not such a big spender, you’re bound to encounter certain expenses outside your control. Take healthcare, for example, which, according to recent projections, could cost the average healthy 65-year-old couple today over $400,000 in retirement. It therefore stands to reason that finding a city with a relatively low cost of living can be crucial to your overall happiness as a senior.

But while is one of the metrics WalletHub reviewed in its recent study, it’s not the only one. Factors such as recreation, senior services and population, hospital systems, and even climate were all considered in compiling this list.

So which cities offer the best overall quality of life for retirees? Among the 150 cities reviewed by WalletHub, here are the top 10:

Rank: Best Overall City
1 , FL
2 Tampa, FL
3 Miami, FL
4 Scottsdale, AZ
5 Atlanta, GA
6 Salt Lake City, UT
7 Honolulu, HI
8 Denver, CO
9 Austin, TX
10 Las Vegas, NV

DATA SOURCE: WALLETHUB.

Keep in mind that these 10 cities aren’t necessarily the most affordable. In fact, some, like Honolulu and Denver, scored relatively low on affordability alone. If a low cost of living is paramount in your mind, here are the top 10 cities you might consider as a retiree:

Rank: Most Affordable City
1 Laredo, TX
2 Brownsville, TX
3 St. Petersburg, FL
4 Montgomery, AL
5 San Antonio, TX
6 Memphis, TN
7 Tampa, FL
8 Orlando, FL
9 Lubbock, TX
10 Knoxville, TN

DATA SOURCE: WALLETHUB.

Of course, what you gain in affordability, you might forgo elsewhere. Take Laredo, Texas, the cheapest city for retirees. Though you might snag housing and groceries on the cheap, Laredo scored pretty low with regard to activities and amenities, and it came in nearly last on healthcare.

So which cities might you try to avoid as a senior? Here’s what the list of the 10 worst retiree states looks like:

Rank: Worst Overall City
1 Newark, NJ
2 Providence, RI
3 San Bernardino, CA
4 Worcester, MA
5 Detroit, MI
6 Fresno, CA
7 Stockton, CA
8 Modesto, CA
9 Fontana, CA
10 Rancho Cucamonga, CA

DATA SOURCE: WALLETHUB.

Most of the cities on this list scored relatively low in terms of affordability, and all landed at the bottom of the heap with regard to healthcare. Interestingly, none of the cities with the highest cost of living, including New York, New York; San Jose, California; and San Francisco, California, came even close to making the bottom 10 overall, which goes to show that money shouldn’t be the only factor to consider when determining where to live as a senior.

Finding the right place for your senior years

Clearly, the place you spend your days in retirement will have an impact on not just your budget but your everyday quality of life. If you’re not sure where to go once you stop working, try asking yourself the following questions:

  • How much do I want to spend on housing, transportation, and essentials? The more you fork over to cover your basic costs, the less cash you’ll have available for leisure. On the other hand, if you choose a city that offers much in the way of free entertainment, it might be worth the higher rent or mortgage. Furthermore, don’t just consider how much you want to spend but also what you can afford to spend. You might dream of retiring in Honolulu, but if your nest egg won’t hold up there, you’ll need to pick someplace with a lower cost of living.
  • How’s my health? Though having good access to healthcare is important for all retirees, if you have a known medical issue, you’ll need to pay even closer attention to how local hospitals and doctors are ranked. The last thing you want as a senior is to have to travel long distances to receive quality medical care.
  • How important is it for me to live near family? Your family might serve as a key social outlet and support system in retirement, so be sure to factor in proximity to children, siblings, and grandkids when deciding where to live. If you’re not willing to relocate to get closer (say, your family lives in an expensive city or someplace whose climate isn’t ideal), consider the cost of traveling from your city of choice to where your loved ones live, because you don’t want to grapple with perpetually pricey air fares when you’re stuck on a fixed income.

Choosing the right place to retire is crucial to your overall happiness. The more thought you put into where you retire, the more content you’re likely to be down the line.