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The danger for investors in retirement is a punishing stock market downturn that reduces not only their income stream but also their total wealth.

These banking fees are borne by ordinary consumers, disproportionately by the poorest among them, and many miss details tucked into fine print.

By MICHAEL CORKERY and JESSICA SILVER-GREENBERG

Companies are cutting their once sacrosanct dividends, leaving investors to determine whether theyre just being prudent or may be in serious trouble.

By JEFF SOMMER

Knowing how much risk you can stomach will help you respond to market turmoil. Two companies have provided readers with tests to measure their risk.

By RON LIEBER

A former chief economist argues that a 100 percent allocation to stocks despite ones age makes sense, though it has long been viewed as risky.

By DAVID A. LEVINE

Predicting the future is impossible, but accepting that reality can be difficult for some, a financial planner writes.

By CARL RICHARDS

Most investment counselors tell people to reduce holdings of common stock as they get older, but that advice is poor, a former chief economist writes.

By DAVID A. LEVINE

A single-premium immediate annuity or lifetime annuity guarantees a steady income for life, but there are reasons for consumers to be wary.

By CHRISTOPHER FARRELL

There are many reasons having a financial plan is valuable, but maybe the most significant is that it can help you understand how to react to volatile markets.

By CARL RICHARDS

Robo-advisers run on autopilot, cost a fraction of traditional advisers fees and are usually available to small investors, but the risk approaches vary.

By TARA SIEGEL BERNARD

Helaine Olen and Harold Pollack offer financial planning tips you can fit on an index card, and Jane Bryant Quinn writes about having enough money in retirement.

By PAUL B. BROWN

Its not the first time emerging-market stock funds have lost ground, so playing this volatile group of stocks for the long term may be worthwhile in the end.

By PAUL J. LIM

Investors were pummeled by a volatile but flat market in 2015. And with the current headwinds, the short-term economic outlook seems daunting.

By CONRAD DE AENLLE

Plenty of so-called experts are lining up to offer advice on how to invest in 2016. But how should you weigh their opinions?

By PAUL SULLIVAN

The impulse when the stock market falls hard for a few days in a row is to do something but it probably doesnt make much sense to overhaul an investment strategy based on a blip of market activity.

By RON LIEBER

The goal of letting kids invest is to teach them that buying individual stocks is essentially gambling before theres much money involved.

By RON LIEBER

Consumers watching interest rates should also watch out for stiff penalties if they decide to withdraw money from certificates of deposit early.

Investment advisers say depressed assets like emerging-market stocks and commodities could offer high returns in the long term, even if they are risky now.

By CONRAD DE AENLLE

Individuals have access to more strategies to help protect their investments from both short- and long-term threats.

By JOHN F. WASIK

A spate of new robo-adviser financial sites aimed at women look to empower them to build net worth, rather than offer household budgeting advice.

By TARA SIEGEL BERNARD

The danger for investors in retirement is a punishing stock market downturn that reduces not only their income stream but also their total wealth.

These banking fees are borne by ordinary consumers, disproportionately by the poorest among them, and many miss details tucked into fine print.

By MICHAEL CORKERY and JESSICA SILVER-GREENBERG

Companies are cutting their once sacrosanct dividends, leaving investors to determine whether theyre just being prudent or may be in serious trouble.

By JEFF SOMMER

Knowing how much risk you can stomach will help you respond to market turmoil. Two companies have provided readers with tests to measure their risk.

By RON LIEBER

A former chief economist argues that a 100 percent allocation to stocks despite ones age makes sense, though it has long been viewed as risky.

By DAVID A. LEVINE

Predicting the future is impossible, but accepting that reality can be difficult for some, a financial planner writes.

By CARL RICHARDS

Most investment counselors tell people to reduce holdings of common stock as they get older, but that advice is poor, a former chief economist writes.

By DAVID A. LEVINE

A single-premium immediate annuity or lifetime annuity guarantees a steady income for life, but there are reasons for consumers to be wary.

By CHRISTOPHER FARRELL

There are many reasons having a financial plan is valuable, but maybe the most significant is that it can help you understand how to react to volatile markets.

By CARL RICHARDS

Robo-advisers run on autopilot, cost a fraction of traditional advisers fees and are usually available to small investors, but the risk approaches vary.

By TARA SIEGEL BERNARD

Helaine Olen and Harold Pollack offer financial planning tips you can fit on an index card, and Jane Bryant Quinn writes about having enough money in retirement.

By PAUL B. BROWN

Its not the first time emerging-market stock funds have lost ground, so playing this volatile group of stocks for the long term may be worthwhile in the end.

By PAUL J. LIM

Investors were pummeled by a volatile but flat market in 2015. And with the current headwinds, the short-term economic outlook seems daunting.

By CONRAD DE AENLLE

Plenty of so-called experts are lining up to offer advice on how to invest in 2016. But how should you weigh their opinions?

By PAUL SULLIVAN

The impulse when the stock market falls hard for a few days in a row is to do something but it probably doesnt make much sense to overhaul an investment strategy based on a blip of market activity.

By RON LIEBER

The goal of letting kids invest is to teach them that buying individual stocks is essentially gambling before theres much money involved.

By RON LIEBER

Consumers watching interest rates should also watch out for stiff penalties if they decide to withdraw money from certificates of deposit early.

Investment advisers say depressed assets like emerging-market stocks and commodities could offer high returns in the long term, even if they are risky now.

By CONRAD DE AENLLE

Individuals have access to more strategies to help protect their investments from both short- and long-term threats.

By JOHN F. WASIK

A spate of new robo-adviser financial sites aimed at women look to empower them to build net worth, rather than offer household budgeting advice.

By TARA SIEGEL BERNARD

Read the rest here:
Investments - The New York Times

Tennessee Best Places to Retire - A Guide

Overall Tennessee is a state in America's Southeast that attracts many active adults over 55 for its low cost of living and easy lifestyle; therefore, there are many best placesto retire in Tennessee, from livable cities like Nashville to lake towns like Paris. The Great Smoky and Cumberland Mountains and many rivers including the Mississippi offer exceptional scenery and recreation opportunities. This site will acquaint you with some basic facts about what it's like to retire in Tennessee (population just under 6.5 million in 2012).

Countryside near Crossville TN

Climate The Tennessee climate is characterized as humid subtropical, influenced by the Gulf of Mexico. Summers are hot and humid while winters tend to be mild, except at higher altitudes.

Per Capita Income and Home Prices In Tennessee the 2011 inflation-adjusted per capita income was $24,197. Real estate and the general cost of living is well below average compared to the total U.S. The Census Bureau reports that the statewide average home price was $159,000 in early 2012. The first quarter of 2013 median home price in Knoxville was $132,800, for example, well below the national average of $176,600. The median selling price in the same period for Chattanooga was $119,900 (Source: NAR). Tourism and agriculture (cotton and beef) are important in Tennessee, along with textiles. Cost of living is estimated to be 10% below U.S. average.

Taxes

Tax Burden:Total tax burden is one of the lowest in the country (44th).

Marginal Income Tax Rates.Tennessee has no income tax, although interest and dividends are taxed at 6%.Persons over 65 whose total income is less than $16,2000 (single) or $27,000 (married) are exempt from that tax.

Sales Tax:Sales tax is 7%, and some localities also have a sales tax.

Property Taxes:TN has a property tax relief program that the elderly, disabled and veterans can take advantage of. Property taxes are set at 25% of assessed value.

Estate and/or Inheritance Taxes.There is an inheritance

Linkto theTennessee Department of Revenue.

Certified Retirement Communities Tennessee does not have a certified retirement community program, but it has an equivalent, the Retire in Tennessee program.

Best retirement communities Tennessee has several large cities like Memphis and Nashville, along with many small towns. Several cities and towns in Tennessee are popular as retirement communities, particularly lake towns like Paris or the golf capital of Tennessee of Crossville. Nashville is the country music capital of the world. Maryville is a small town near Knoxville that has two great colleges in it. Johnson City and Franklin are interesting towns in the northeastern and central parts of the state. Active adult communities are being built in and around towns throughout the state and there are many to choose from. Find more helpful information on more than 30 different state retirement guides.

Get started - Click on the Tennessee Retirement Community profiles on the right.

See the rest here:
tennessee retirement guide - Find Your Best Place to Retire

Nashville, Tennessee is the state capital of Tennessee and is famous for its history, music, and vibrant arts culture.

Nashville has many arts festivals throughout the year. It's home to the Nashville Film Festival (one of the biggest film festivals) and the Country Music Association Awards (broadcast to millions of country music fans worldwide).

Nashville Tennessee has a lot of colleges and universities such as Vanderbilt and Tennessee State University as well as many other smaller niche specific colleges and training facilities. This makes Nashville great for the senior who wants continuing education opportunities.

Many consider Nashville to be among the best retirement cities in the U.S. Here are some other reasons to choose living in Nashville.

Social Opportunities: studies have shown that a good group of friends is more important to a happy retirement than money or health. Nashville offers many opportunities with civic groups and hobby clubs to generate a solid core group of friends. These friends can help ward off the problems of aging like dementia and health issues.

Public Transportation: rural living isn't good for seniors who can't drive since they require someone's help to get around. The expenses of transportation add up quickly for fixed-income seniors so the public transportation of Nashville is quite beneficial. Even better is that most public transit systems have senior rates that are much cheaper than normal.

Access to Medical Services: it's pretty obvious that if you live near a hospital, you're more likely to survive a medical emergency. Despite how your mind feels, the body starts to break down and there's a good chance you'll need a hospital visit during your retirement years. Living in Nashville is great since there are more specialists and medical services available and at cheaper rates.

Access to Local Businesses: city living offers walking distance to most businesses that you'll ever use in your retirement years. Even if you need to travel, there are a lot more shopping centers and discount stores in urban areas.

Fitness: exercise is critical to keeping healthy during your retirement years. Cities have every type of fitness facility from standard fitness centers to niche fitness places like indoor rock climbing walls so there's something for everyone. Even if you want to exercise on your own, there's tons of parks or indoor malls to enjoy walking in.

Continuing Education: todays seniors know the importance of exercising their brains, as well as their bodies. Urban living provides access to a wide range of classes, through local universities, museums, city recreation departments, etc. Enrolling in these types of courses can help stave off the depression that some people feel once they stop working full time.

Food and Entertainment: retirement should be full of activities you never had a chance to enjoy while working. Dinners out to fancy restaurants or weekend getaways to a nearby city or historical site are all possible living in a city. Usually, cities have tons of entertainment venues like theaters and museums and there's always something going on.

Nashville Retirement Housing Options: In Nashville there are unique housing options which include condos, apartments for rent, hi-rises, retirement communities, lofts, co-ops, luxury condominiums, top end townhouses and other housing for over 55 boomers and seniors.

Over 55 Condo's Mount Juliet TN 110 Silverstone Lane, Mount Juliet, TN 37122 Over 55 custom condos, conveniently located approx. 25 miles east of downtown Nashville, near Summit Hospital, shopping, airport, recreation. In Wilson County were taxes are lower. Condo's feature detailed trim work, custom cabinets, granite counters.

Active Community in the Heart of Tennessee 7119 Sunrise Circle, Franklin, TN 37067 Lovely townhome located in the Heart of Tennessee-20 min. drive to downtown Nashville and located in Franklin, Tennessee. Money Magazine's Top 10 Places to Retire. Home is like new with vaulted ceiling, fireplace, outdoor patio, and open floor plan.

Retirement Communities Tennessee Nashville TN 301 Infantry Run, Mount Juliet, TN 37122 Del Webb at Lake Providence is located just 17 miles east of downtown Nashville and a simple 10-minute east of the Nashville International Airport!

Richland Place is Nashville's premier retirement community for active seniors. This distinctive luxury retirement community is designed for seniors over the age of 55 desiring the peace of mind, convenience, and comforts of a comprehensive residential package. Located conveniently near Interstate 440 at West End Avenue

Morningside of Belmont offers affordable Independent Living and Assisted Senior Living with a variety of service options promoting an exceptional quality of life for our residents and peace of mind for their caregivers.

Read the rest here:
Nashville Retirement Living: 55+ Homes - Condos ...

Retire Ready Tennessee: New Phone Support for TCRS and Deferred Compensation Plans

Now you can ask questions and receive information concerning TCRS and your Tennessee Deferred Compensation plan with one phone call.

Call 800-770-8277 to reach Retire Ready Tennessee customer service representatives who are ready to assist you with questions regarding your entire retirement.

You may also access your accounts online at MyTCRS.com or http://www.treasury.state.tn.us/dc/.

FY15 GASB Information is now available.

Payees receiving payment by debit card, please refer to the "Headlines"tab for an important notice.

Great news! Concord's Self-Service is now available to Retirees, Employers and Members. Please click on the Self-Service link to access the login page. We are experiencing high call volume at this time. If you have questions about Member Self Service, please refer to the User Guide or Demonstration Video for assistance.

The Tennessee Consolidated Retirement System (TCRS) is a defined benefit pension plan that covers state employees, higher education employees, K-12 public school teachers, and employees of political subdivisions who have elected to participate in the plan. This means that the amount of any future retirement benefits is determined by a benefit formula rather than an account balance.

The TCRS provides retirement benefits as well as death and disability benefits to plan members and their beneficiaries. Benefits are determined by a formula using the members high five-year average salary and years of service. Members become eligible to retire at the age of 60 with five years of service or at any age with 30 years of service. A reduced retirement benefit is available to vested members with five years of service who become disabled and cannot engage in gainful employment. There is no service requirement for disability that is the result of an accident or injury occurring while the member was in the performance of duty.

Notice: Please click HERE to view the fees associated with the debit cards issued for retirement payments beginning April 30, 2013.

2015 COLA (Cost of Living Adjustment) for TCRS Retirees (May 29, 2015) Retired teachers and state employees who have been on the TCRS retired payroll for at least 12 consecutive months as of July 1, 2015 will receive a 1.0% cost-of-living adjustment. Retirees of local governments that have authorized COLAs will receive the same increase.

Fraudulent Email Targeting Debit Card Holders (January 20, 2015)

The Tennessee Consolidated Retirement System (TCRS) has been made aware that a fraudulent email could be distributed to all TCRS debit card holders. more...

(December 23, 2013) The Tennessee Department of Treasury is informing active Johnson City Power Board employees about a theft of personal information. more...

(December 14, 2013) The Tennessee Department of Treasury is informing active Metro Nashville teachers about a possible theft of personal information. more...

(September 25, 2013) TCRS has been made aware of a misleading mailout sent to TCRS members from a Texas-based company not affiliated with TCRS. This mailing makes incorrect and misleading statements about TCRS. Members should contact TCRS directly with questions about their benefits. more...

(March 28, 2013) The investment committee of the Tennessee Consolidated Retirement System (TCRS) Board of Trustees has approved two new commitments within its private equity portfolio and two new commitments within its strategic lending portfolio. more...

Tennessee's State Pension Fund Rated Best in Nation for Investment Strategy (March 19, 2013) Tennessee Consolidated Retirement System (TCRS), the state's retirement fund for state government, higher education and other public employees, is managing its investments better than any other large public pension plan in the country. So says Money Management Intelligence, a publication featuring news, trends and analysis about and for institutional investors. more...

Treasurer Lillard Proposes New Pension Options for State & Teacher Plans (February 25, 2013) State Treasurer David H. Lillard, Jr. is recommending that the General Assembly adopt a number of reforms to the state's retirement plan for public employees. The Tennessee Consolidated Retirement System (TCRS) is a well-funded pension plan. more...

TCRS Newsletters (November 29, 2012) The Active member employee newsletteris now available. Click here to view the current issue of the TCRS Report.

TCRS Board Meetings (November 1, 2012) Information concerning the current and past board meetings can be found here.

Treasurer Lillard Proposes New Pension Options for Local Governments (January 23, 2012) To give local governments more choices for their employees retirement plans, Tennessee State Treasurer David H. Lillard Jr. today proposed several new options to state legislators for their consideration. more...

2012 COLA for Retirees (January 23, 2012) Retired teachers and state employees who have been on the TCRS retired payroll for at least 12 consecutive months as of July 1, 2012 will receive a 3.0% cost-of-living adjustment. Retirees of local governments that have authorized COLAs will receive the same increase.

2011 COLA for Retirees (April 29, 2011) Retired teachers and state employees who have been on the TCRS retired payroll for at least 12 consecutive months as of July 1, 2011 will receive a 1.5% cost-of-living adjustment. Retirees of local governments that have authorized COLAs will receive the same increase.

Important Tax Notice (January 19, 2011) Many of you may have noticed a change in the withholding tax deducted from your TCRS benefit payment in January. In 2009 and 2010 there was a "Making Work Pay" federal tax credit in effect as part of the American Recovery and Reinvestment Act. The Making Work Pay tax credit expired on 12/31/2010. This means that most retirees will notice an increase in the amount of federal withholding deducted.

In addition, TCRS has received several questions concerning the effect the Social Security rate decrease from 6.2% to 4.2% will have on their monthly pension benefits. This change will not affect TCRS pension recipients since the pension benefits are not subject to the Social Security tax.

At any time, you can change the amount of taxes being withheld from your monthly retirement benefit by completing a Substitute Withholding Certificate for Pension or Annuity Payments form. This form can be downloaded at tcrs.tn.gov. You may also send a letter indicating any changes to TCRS, ATTN: Retired Payroll, 502 Deaderick Street, Nashville, TN 37243-0201.

Tennessee's Retirement Fund in Good Shape Compared to Others (July 25, 2010) Good economic news can be hard to find in the Capitol building, but Tennesseans can breathe a little easier about one corner of the state budget. ...more

(Knoxville News Sentinel article by Josh Flory. Posted July 25, 2010.)

Financial Welfare of TCRS The financial marketplace has been exhibiting a high degree of volatility for several months, mainly due to issues related to the mortgage industry. Several Tennessee Consolidated Retirement System (TCRS) members and retirees have expressed concern. ...more

Recent Letters to TCRS Retirees Approximately 10% of TCRS retirees received a letter dated July 30, 2010 from TCRS where the insurance premium(s) was not shown correctly. The letter provided the amount of the COLA increase, the new gross value of the pension benefit, insurance deductions, tax withholding deductions, other deductions, and the net amount deposited to your checking or savings account.

Unfortunately, the medical insurance deduction shown for retired state employees under the age of 65 was not correct. The medical insurance premium did not change. The premium for July was the same amount as the June premium.

In addition, the letters for retirees enrolled in the long term care plan and dental insurance plan did not show a deduction.

The correct deductions were taken from your pension benefit and the correct amount was deposited in your bank account. The only issue occurred in the printing of the letters.

Please contact our office if you have any questions concerning this issue at (800) 770-8277 or 741-4913.

Public Notices:

TCRS Board of Trustees Meeting Notices

Individuals with disabilities who wish to participate in these proceedings and require an accommodation should contact Bridget Dorse with Tennessee Consolidated Retirement System no less than two (2) days prior to the scheduled meeting date to allow time for the Treasury Department to arrange for an accommodation. You may contact the Treasury Department at 502 Deaderick St., Nashville, TN 37243; (615) 741-7063 or the Board Administrator Bridget Dorse by email at bridget.dorse@tn.gov.

Go here to see the original:
TN Consolidated Retirement System

A growing number of discerning adults are choosing to begin their retirement in the southeastern U.S. Discover Tennesseethe best place for natural beauty, endless opportunities and the good life.

Tennessee tantalizes, whetting your appetite, from fresh produce to white tablecloth occasions. Here, southern food meets southern hospitality, Savor pinnacle experiences, all in the state ranked one of the best places to retire.

In the Volunteer State, our lower cost of living translates into a richer quality of life. Tennessee, ranked second for the lowest cost of living in the nation, allows you to enjoy retirement to the fullest.

Please visit the Retire Tennessee booth at the following Expos:

Greater Chicago Hyatt Regency Schaumburg 1800 E. Golf Road Schaumburg, IL 60173 Saturday, Jan. 16 from 10 a.m.-5 p.m. Sunday, Jan. 17 from 11 a.m.-3 p.m.

Greater New York Hilton Long Island/Huntington 598 Broadhollow Road Melville, NY 11747 Saturday, Jan. 23 from 10 a.m.-5 p.m. Sunday, Jan. 24 from 11 a.m.-3 p.m.

Greater Atlanta Westin Atlanta Perimeter North 7 Concourse Parkway NE Atlanta, GA 30328 Saturday, Jan. 30 from 10 a.m.-5 p.m. Sunday, Jan. 31 from 11 a.m.-3 p.m.

Upcoming Ideal Living Resort & Retirement Expos Feb. 27-28, Somerset County, NJ Mar. 5-6, Greater Washington, DC

Just the perfect chill in the air.

Average high during wintermonths is 53

Choosing where to live when you retire is an important decision. Climate, healthcare and cost of living are a few factors to consider when deciding on your new home.

Chattanooga has been voted the Best Mountain Town by readers of Blue Ridge Outdoors!

More and more people are discovering Tennessee is a great place for retirement living.

Tennessee, and the Mid-South, becomes a retirement destination.

Tennessee tops the list of best places to retire, lauded for its low cost of living.

Clement Salvadori discovers the best roads in the Cumberland Highlands while visiting Cookeville for the HOG Rally.

Scenic Chattanooga is one of the top cities in the country for baby boomers and retirees.

Low living cost, climate and area attractions make Chattanooga a hot spot for retirees.

Governor Bill Haslam launched an initiative on Wednesday to make Tennessee a healthier place and named Kingsport as a pilot community in that effort. The initiative, called Healthier Tennessee Communities, is aiming to be a coordinated effort to support physical activity, healthy eating and tobacco abstinence at a local level.

A recent study from SmartAsset has foundthe most affordable places to retireand Cookeville ranked #4!

Chattanooga has made another national "best cities" list.Money magazine has included the city on its list of "Best Places to Retire 2015."

Visit link:
Experience Tennessee Retirement | Retire Tennessee

Overview

Tennessee is one of the fastest growing states in America, with a population increase of almost ten percent since 2000. Tennessee is known as a tourist destination but now many retirees are flocking to the state in search of a low cost of living and access to great healthcare. The population of Tennessee is over six million, increasing annually, fueled by incoming Baby Boomers and retirees from the north, California and Florida. Nashville is one of the fastest growing cities in the nation and over 12 percent of the population is over the age of 65.

The state has a lot to offer including beautiful lakes, rivers and national parks. Whether your ideal retirement includes outdoor recreation, fine arts, culture or sports, there is something for everyone in Tennessee's active adult communities. A vibrant music scene and long history steeped in tradition have drawn retirees from all regions of the country. The state boasts one of the largest urban centers in the country is accessible in less than a day s drive, making it an ideal retirement destination that is close to friends and family. Major medical centers, top-notch colleges and universities and active civic organizations further enhance Tennessee's age-restricted and age-targeted communities that offer a great sense of community for citizens young and old.

Climate & Geography

The climate in Tennessee is mostly humid subtropical, except in the higher Blue Ridge and Appalachian Mountains. Temperatures average in the mid 80s in the summer and mid 50s in the winter. Active adult communities in Tennessee have nights that are cooler in the eastern portion of the state. Winter in the higher elevations is cool and can drop to freezing. The Gulf of Mexico creates much of the climate in the state, bringing winds that drive the fifty inches of rain each year.

The state is covered with mountains and valleys along tributaries of the Tennessee River and the Tennessee River Valley. The Blue Ridge Mountains are not well populated, and are protected by the Great Smokey Mountains National Park. Western Tennessee is the area most likely to attract tornadoes, with an average of fifteen per year. There is not much snow, but fog can impede travel, especially in the mountains.

Recreation, Culture & Entertainment

Tennessee's active adult communities live near areas that are rich in history and are filled with culture, recreation and social opportunities. The largest city is Memphis, but the best-known city is Nashville, the music capital of the south and the home of Elvis Presley s Graceland. Many Civil War battles were fought in Tennessee, the most of any state, including the famed Battle of Murfreesboro. After the war, a Tennessee Democrat became Abraham Lincoln s Vice President: Andrew Johnson. The Civil War battlefield of Shiloh is preserved and open to the public for exploration.

For music lovers, the three cities of Nashville, Memphis and Bristol provide venues to hear country music, soul, blues or rock and roll. Bristol is known as the birthplace of country music and the home of the Carter family and Tennessee Ernie Ford. Nashville is known for the Grand Ole Opry and the Country Music Hall of Fame, and is nicknamed Music City, USA . Memphis is the birthplace of the blues, rock and roll, and it's the home of B.B. King. Gospel Music also abounds in Tennessee s Bible Belt. Active Adults have plenty of entertainment options around the entire state.

55+ communities in Tennessee are an outdoor enthusiast's paradise. Bass fishing is a favorite pastime in the state s numerous lakes and rivers. Hikers enjoy the Appalachian Trail as well as the 54 State Parks. In the midst of its beautiful mountains and river valleys, Tennessee is also home to over 8,000 caves, which provide adventures. World-class whitewater rafting is available in the Cherokee National Forest. There are numerous campsites located just a short drive from both Nashville and Memphis. With its year-round mild climate, Tennessee provides a great environment for active seniors to enjoy.

Cost of Living & Taxes

Those seeking to live in active adult communities in Tennessee will find that cost of living favorable. Cost of living for the state is about 10 percent lower than the national average.

Income tax in Tennessee does not apply to salary or wages, but it does apply to income from stocks, bonds and notes. Interest receives a $1,250 exemption per person. Sales tax in the state is 7 percent, but food is at 5.5 percent, and local areas add to the state tax. An inheritance tax is imposed on estates larger than one million dollars.

Healthcare

Tennessee provides great healthcare for its citizens. Their numerous hospitals and its supportive government create a positive atmosphere for the flourishing of healthcare. Numerous hospitals provide patient care, including the famed Vanderbilt Medical Center at Vanderbilt University in Nashville. The Methodist Medical Center of Oak Ridge was named the top hospital in Tennessee for two years in a row. They also earned a national award of excellence in heart failure treatment. Active adults in Tennessee's retirement communities are nearby top healthcare options.

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Tennessee - Active Adult Retirement Communities | 55 Places

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The Enlightenment was a sprawling intellectual, philosophical, cultural, and social movement that spread through England, France, Germany, and other parts of Europe during the 1700s. Enabled by the Scientific Revolution, which had begun as early as 1500, the Enlightenment represented about as big of a departure as possible from the Middle Agesthe period in European history lasting from roughly the fifth century to the fifteenth.

The millennium of the Middle Ages had been marked by unwavering religious devotion and unfathomable cruelty. Rarely before or after did the Church have as much power as it did during those thousand years. With the Holy Roman Empire as a foundation, missions such as the Crusades and Inquisition were conducted in part to find and persecute heretics, often with torture and death. Although standard at the time, such harsh injustices would eventually offend and scare Europeans into change. Science, though encouraged in the late Middle Ages as a form of piety and appreciation of Gods creation, was frequently regarded as heresy, and those who tried to explain miracles and other matters of faith faced harsh punishment. Society was highly hierarchical, with serfdom a widespread practice. There were no mandates regarding personal liberties or rights, and many Europeans feared religioneither at the hands of an unmerciful God or at the hands of the sometimes brutal Church itself.

The Scientific Revolution and the Enlightenment, however, opened a path for independent thought, and the fields of mathematics, astronomy, physics, politics, economics, philosophy, and medicine were drastically updated and expanded. The amount of new knowledge that emerged was staggering. Just as important was the enthusiasm with which people approached the Enlightenment: intellectual salons popped up in France, philosophical discussions were held, and the increasingly literate population read books and passed them around feverishly. The Enlightenment and all of the new knowledge thus permeated nearly every facet of civilized life. Not everyone participated, as many uneducated, rural citizens were unable to share in the Enlightenment during its course. But even their time would come, as the Enlightenment also prompted the beginning of the Industrial Revolution, which provided rural dwellers with jobs and new cities in which to live.

Whether considered from an intellectual, political, or social standpoint, the advancements of the Enlightenment transformed the Western world into an intelligent and self-aware civilization. Moreover, it directly inspired the creation of the worlds first great democracy, the United States of America. The new freedoms and ideas sometimes led to abusesin particular, the descent of the French Revolution from a positive, productive coup into tyranny and bedlam. In response to the violence of the French Revolution, some Europeans began to blame the Enlightenments attacks on tradition and breakdown of norms for inducing the anarchy.

Indeed, it took time for people to overcome this opinion and appreciate the Enlightenments beneficial effect on their daily lives. But concrete, productive changes did, in fact, appear, under guises as varied as the ideas that inspired them. The effects of Enlightenment thought soon permeated both European and American life, from improved womens rights to more efficient steam engines, from fairer judicial systems to increased educational opportunities, from revolutionary economic theories to a rich array of literature and music.

These ideas, works, and principles of the Enlightenment would continue to affect Europe and the rest of the Western world for decades and even centuries to come. Nearly every theory or fact that is held in modern science has a foundation in the Enlightenment; in fact, many remain just as they were established. Yet it is not simply the knowledge attained during the Enlightenment that makes the era so pivotalits also the eras groundbreaking and tenacious new approaches to investigation, reasoning, and problem solving that make it so important. Never before had people been so vocal about making a difference in the world; although some may have been persecuted for their new ideas, it nevertheless became indisputable that thought had the power to incite real change. Just like calculus or free trade, the very concept of freedom of expression had to come from somewhere, and it too had firm roots in the Enlightenment.

Excerpt from:
SparkNotes: The Enlightenment (16501800): Overview

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A abandonment: When a parent leaves a child without enough care, supervision, support, or parental contact for an excessive period of time.

abrogate: To repeal or cancel an old law using another law or constitutional power.

abstract: A summary of what a court or government agency does.

abstract of judgment Summary of the courts final decision. Can be used as a lien if you file it with the county recorder.

accessory: A person that helps someone else commit a crime, either before or after the crime.

accomplice: A person that helps someone else commit a crime. Can be on purpose or not.

accrual: The total amount of child support payments that you owe or that are late.

accused: The person that is charged with a crime and has to go to criminal court. (See defendant.)

acknowledgment: Saying, testifying, or assuring that something is true. You can say this out loud or write it down.

Acknowledgment of Satisfaction of Judgment: A court form that the judgment creditor must fill out, sign, and file with the court when the judgment is fully paid. If no liens exist, the back of the Notice of Entry of Judgment can be signed and filed with the court. (See judgment creditor, judgment.)

acquittal: When a judge or jury finds that the person on trial is not guilty.

action: In court, when one person sues someone else to:

active status: A case that is in court but isnt "settled" or "decided" has active status. (See disposition, pending.)

adjournment: When a judge hears and decides a case.

adjudication: The judges decision in a case or action.

ad litem: "For this lawsuit." Comes from Latin.

administrative procedure: The way an executive government agency makes and enforces support orders without going to court.

admissible evidence: Evidence that can legally and properly be used in court.

admission: Saying that certain facts are true. But not saying you are guilty. (Compare with confession.)

admonish: To warn, advise, or scold.

admonition to jury: What the judge says to the jury about:

(1) what they must do and how they must behave,

(2) what evidence they can use to make their decision (called "admissible" evidence), and

(3) how they can use that evidence to make a decision.

adoption: The way to make the relationship between a parent and child legal when they are not related by blood.

adversary system: The system of trial practice in the United States and some other countries in which each of the opposing (or "adversary") parties has the opportunity to present and establish opposing positions before the court.

adverse witness: A person called to testify for the other side.

affidavit: A written statement that someone swears to under oath in front of someone that is legally authorized, like a judge or notary public.

affirm: To make a solemn (serious) statement.

affirmation: When an appellate court says that the lower courts decision was right.

affirmative defense: When a defendant or person responding to a civil case has a reason that would make him or her "not guilty" or not at fault and gives the court new evidence to prove that. The defense has to prove what it says (called "burden of proof"). The defense has to explain this defense in their answer.

agent: Someone that has authority to act for another.

Aid to Families With Dependent Children (AFDC): A past government program that used to give money (also called "public assistance") to families with children. This was replaced by Temporary Aid for Needy Families (TANF).

alibi: A defense claim that the accused was somewhere else at the time a crime was committed.

alimony: Money the court orders you to pay to a spouse or ex-spouse. (See spousal support.)

allegation: A statement or claim that is made and hasnt been proved to be true or false.

allege: To say, declare, or charge that something is true even though it isnt proved yet.

alternative dispute resolution (ADR): Methods of resolving disputes without official court proceedings. These methods include mediation and arbitration.

amend: To add to or change a claim that has been filed in court.

amicus curiae: Someone that gives advice to the court about the law in a case, but isnt part of the case. Comes from the Latin for "friend of the court."

annulment ("nullity of marriage"): A legal action that says your marriage was never legally valid because of unsound mind, incest, bigamy, being too young to consent, fraud, force, or physical incapacity.

anonymous: When someones name is kept secret.

answer: A statement that a defendant writes to answer a civil complaint and say what defense they will use.

appeal: When someone that loses at least part of a case asks a higher court (called an "appellate court") to review the decision and say if it was right. This is called "to appeal" or "to take an appeal." The person that appeals is called the "appellant." The other person is called the "appellee."

appearance: Going to court. Or a legal paper that says you will participate in the court process.

appellant: Someone that appeals a courts decision. (Compare with appellee.)

appellate: Having to do with appeals. An appellate court can review a lower courts (called a "trial court" or "superior court") decision. For example, California Courts of Appeal review the decisions of the superior courts.

appellate court: A court that can review how the law was used to decide a case in a lower court.

appellee: A person that answers an appeal in higher court.

arbitration: When a person that isnt involved in the case looks at the evidence, hears the arguments, and makes a decision. (Compare with mediation and neutral evaluation.)

arraignment: When a person that is accused of committing a crime is:

arrearage: Child support that is overdue or unpaid. A parent that has arrearages is "in arrears."

arrest: The legal capture of a person that is charged with a crime.

ascertained: Proved to be true.

assault: When someone tries or threatens to hurt you. Can include violence, but is not battery. (See battery.)

assignee: A person or business that is put in the place of the original creditor, such as a collection agency. You can assign your judgment to another person or business.

assignment: Choosing someone to do something. Usually used in:

(1) Cases when the court uses a calendar to give (or "assign") cases to judges;

(2) Lawyers when lawyers are chosen (or "appointed") to represent juveniles, conservatees, or poor defendants; and

(3) Judges when judges are sent (or "assigned") to different courts to fill in while other judges are on vacation, sick, etc., or to help with cases in a court.

assignment of support rights: When a person that gets public assistance (money from the government) agrees to give the state any child support they get in the future. The person gets money and other benefits from the state. So the state can use part of the child support to pay for the cost of that public assistance.

assignment order: A court order (made after a motion) that says a judgment debtor must assign certain rights to the judgment creditor. Useful for payments that the judgment debtor would usually get, like rent from tenants, wages from the federal government, sales commissions, royalties, a businesss accounts receivable, or installment payments on IOUs (also called "promissory notes") or judgments.

at-issue memorandum: A legal paper filed in a civil case that says the case is ready to go to trial. (See memorandum to set.)

attachment: (1) Document attached to court papers to give more information; (2) A way to collect a judgment: by getting a court order that says you can take a piece of property.

attorney: Someone that is qualified to represent clients in court and to give them legal advice. (See counsel and lawyer.)

attorney of record: The lawyer whose name is listed in a case record as representing someone in the case.

audit: When records or accounts are looked at to check that they are right and complete.

automated administrative enforcement of interstate (AEI) cases: Part of the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA) that lets states find, put a lien on, and take property from people in a different state that owe money.

automated voice response (AVR) system: Phone system that gives information to people over the phone.

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B

backlog: All the cases that havent been settled or decided in the time the law says they should be.

bail: A security deposit (usually money) given to release a defendant or witness from custody and to make sure that they go to court when theyre supposed to.

bail bond: A legal paper that you buy from a bondsman and give to the court instead of bail. The defendant signs it and is let go. But if they dont come to court when theyre supposed to, they must pay the amount of money on the bail bond.

bail exoneration: When you get your bail back. Or when a bail bondsman or insurance ("surety") company isnt responsible for your bail anymore.

bail forfeiture: A court order to let the court keep the bail deposit because the defendant didnt go to court when they were supposed to.

bail notice: A legal paper from the court that says the court will make a warrant for arrest unless the defendant goes to court or pays bail.

bail receipt: A written statement that the court gives a defendant that says bail was paid.

bail schedule: A list of the amount of bail that is recommended for different charges. In criminal cases, the court decides how much bail a defendant has to pay to be released.

bailiff: A person that is in charge of security in the court. Bailiffs are picked by sheriffs or marshals.

bank levy: Way to enforce a decision against someone that owes money. The money is taken from their checking or savings account at a bank, savings and loan, thrift institution, or credit union.

bankruptcy: The legal way for a business or person to get help when they cant pay the money they owe. In bankruptcy court, they can get rid of debts by paying part of what they owe. There are special bankruptcy judges at these hearings.

bar: All of the lawyers qualified to practice law. For example, a state bar includes all of the lawyers qualified to practice law in that state.

battery: Illegal beating or physical violence or control of a person without their permission. (Compare with assault.)

behavior intervention plan: Plan made by a local educational agency (LEA), as part of the individualized education program (IEP), to change the behavior of students that hurt themselves, assault others, or are destructive.

bench: (1) The desk where a judge sits in court;

(2) Judges in general or a specific judge.

bench trial: Trial without a jury. The judge decides the case.

bench warrant: An order given by the judge (or "bench") to arrest a person. (See warrant, writ.)

best interest of the child: the standard that courts use to decide who will take care of the child. Some of the factors courts look at are: the age of the child, the health of the child, the emotional ties between the parents and the child, the ability of the parents to care for the child, and the child's ties to school, home, and the community.

bifurcation: to separate the legal issues in a case. For example, sometimes spouses or domestic partners cannot agree on all the issues in a divorce and it is holding up the divorce itself. The parties may want to move ahead with ending the marital status or domestic partnership while other issues remain to be resolved. To do this, a party can ask for a bifurcation of marital/partnership status. This means that the court makes a decision on ending your marriage or domestic partnership while other issues remain open and to be decided. Click to learn how to ask for a bifurcation in a divorce or legal separation case.

bind: To make yourself or someone else legally responsible for something.

bind over: A judges decision before a trial that says there is enough evidence for a trial.

blocked account: An account with a financial institution in which money or securities are placed. No person may withdraw funds from a blocked account without the court's permission.

blood test: Testing someones blood sample to:

(1) see how much of a certain chemical is in the blood, or

(2) see who is the parent of a child. (See genetic testing.)

bona fide: Sincere, real, without fraud or deceit. Comes from the Latin for "in good faith."

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Self-Help Glossary - selfhelp - California Courts