The tax plan that Congress is set to approve today or tomorrow will accelerate the already robust migration from North to South. Whereas in the last century, people moved in the other direction for job opportunities and to escape institutionalized discrimination, this latest migration will be all about economic security. Whether you are for or against the plan, one thing that is undeniable is that many residents of the so-called Blue states like New York and New Jersey will lose a higher percentage of their income to property and state taxes than they are currently losing. The new law caps at $10,000 the deduction for property taxes and state income taxes combined. Once you hit, say, the $10,000 mark in property taxes, you will get no deduction on your state income taxes. Those living in the South, who are already paying much lower property taxes than their counterparts in the North, will not be affected because rarely are taxes on homes in the Carolinas and Georgia, for example, taxed in excess of the $10,000 threshold baked in the bill. And our friends in the South generally pay lower state income taxes, if any at all (none in Florida, Alabama and, in some circumstances, Tennessee).
Take comparable homes in, say, my hometown of Avon, CT, and Pawleys Island, SC, where I maintain a vacation condo. A $600,000 home currently listed for sale in Avon carries a property tax burden of $12,000. Owners of a home in Pawleys Plantation, just down the street from our condo and listed for sale at $599,900, paid just under $3,000 in property taxes last year. Now that may not appear overly consequential for the Avon homeowner, the difference between the $10,000 exclusion and the $12,000 in property tax. But what about the state income tax? The Connecticut homeowner will be on the hook for all of that because they will have used up the $10,000 exclusion on property taxes (or, if they used it up on the state income tax deduction, they will receive no deduction for their property taxes).
Much of the migration to date is courtesy of baby boomers retiring to the Sunbelt for lifestyle and climate reasons, as well as to reduce their cost of living. The coming wave will be more mixed, with working individuals seeking new job opportunities and a less tax-burdened lifestyle, and baby boomers, whose 401K and IRA plans have been over the moon in recent years. They will continue to seek an active and warmer lifestyle and to preserve financial resources in their post-working years.
Most readings of the tax bill show a huge advantage overall for the wealthiest individuals. But not so fast, especially for those persons with a high-balance mortgage on a $1 million or greater home. They no longer get to deduct interest on the mortgage amount over $750,000. But with a move to the South, they could surely find a $750,000 home every bit as deluxe as a $1.25 million home up North, keeping their mortgage, if they require one, within the boundaries of deductibility, according to the proposed law.
All this could conspire to drive up the prices of real estate in the South, especially if developers are not quick to build plenty of new homes. The compulsion to do so is obvious. In that example of the two homes above, the $600,000 Avon home has 4,380 square feet and 4 bedrooms, 3 baths and 2 half baths. The price comes out to about $137 per square foot. The Pawleys Island home, which spans 6,200 square feet, features 6 bedrooms, 6 baths and 2 half baths and costs out at just $97 per square foot. You may very well not need that much space in your retirement, but that kind of “bargain” is more the rule than exception in many areas of the Sunbelt. At least it is for now.
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Weather on the golf courses this week in Pawleys Island, SC, reminds me of the climate changes during a June round of golf in St. Andrews. Back in 2009, I endured a little bit of everything on the Old Course; sunshine and 65 degrees on the first tee, dark clouds on the second and third holes, and sleet and heavy wind on the fourth hole before, almost as quickly, the skies and temperatures retreated to first hole conditions.
Things don’t happen quite as precipitously on the coast of South Carolina, but over the course of four days in early December, I have seen just about the same conditions. I played in brilliant sunshine and temps in the mid 60s on Sunday, similar but more breezy conditions on Tuesday, and uniformly grey skies with imminent rain on Wednesday (but still low 60s temperatures and it only started to rain just as we finished in early afternoon). Today it is rainy and in the low 40s, and I am sitting it out.
Pawleys Plantation signature hole, the 13th, with Pawleys Island beach homes beyond.
For those contemplating a move to the South Carolina coast, don’t expect to play golf every day in December — or January and February, for that matter. Recalling Christmas week vacations in Pawleys Island with the family for many years, the chances of playing golf in a heavy sweater or ski jacket were as good as playing in shorts and a golf shirt. One year it snowed, just an inch or two but enough to keep almost all the locals off the road, giving the veteran northerners a chance to get into the most popular restaurants in the area without a reservation. Of course, for those dedicated linksters who play through the winter in New England, 44 degrees and a little drizzle will do quite nicely in December. I return to CT on Saturday and they are expecting snow; 44 and rain starts to look a little better.
Brad Chambers, who publishes ShootingYourAge.com, joined me this week for rounds at both Pawleys Plantation and Caledonia Golf & Fish Club, located about three miles from each other in Pawleys Island. Although Pawleys Plantation features a great layout and, frankly, is the most challenging course on the Grand Strand, in my humble opinion, the club apparently had a litte trouble with grass growth on the greens earlier this fall. They are coming back, but Brad and I agreed that rarely had we putted greens before where reading the grain was absolutely fundamental to getting any putts close to the hole. That wasn’t a problem the next day at Caledonia where the greens were, as always, fast and firm without any grain to speak of. Caledonia is a tough course to play the first time, given that many of the forced carry approaches demand drives on the proper side of the fairways. But after a round or two, the best pathways to Mike Strantz’ enormous and wavy greens — some look like green tsunamis — become more obvious and a good score is possible. As always, the folks at Caledonia, from the bag drop to the pro shop to the friendly wait staff in the don’t-miss restaurant, took exceptional care of us. It is small wonder that Caledonia is typically ranked as the best golf experience of the 100+ golf courses on the Grand Strand.
Caledonia Golf & Fish Club
As mentioned above, the dining room at Caledonia Golf & Fish Club is not to be missed by anyone visiting the Pawleys Island area. For those who believe “you can’t eat atmosphere,” Caledonia may change your mind. A seat on the back porch, for example, where there are about a half dozen tables, looks out to miles of marshland, turned a golden color at this time of the year and a beautiful shade of green during the warmer weather. I had told Brad of the sight of boats on the Waccamaw River about a mile in the distance and, sure enough, as if on cue, one did just that, its white mast poking above the top of the field of gold. It’s only lunch, but the Caledonia kitchen behaves as if it is cooking for royalty, lavishing so much care on what is normally a simple, greasy patty melt sandwich that I found myself smacking my lips. And yet as good as my sandwich was, I looked longingly at Brad’s club sandwich for which one whole turkey breast must have been sacrificed. By the way, if you are given a choice of sides the first time you have lunch at Caledonia, opt for the house made potato chips; Brad ordered the french fries, also terrific, and I let him try one of my potato chips — but just one.
The acknowledged best restaurant in Pawleys Island is Frank’s, and I didn’t want Brad, who lives four hours away from Pawleys, to miss out on a meal there. He wasn’t disappointed, and I certainly wasn’t either. The “Duck Two Ways” I had was the best preparation of duck I have had either way in decades, the confit moist and perfectly seasoned but not tasting of any of the fat it was cooked in, the breast exquisitely cooked into medium rare disks both firm and soft, as difficult to prepare and crazy good as that sounds.
Many year’s ago at a conference in New York, I sat next to a professor from the University of South Carolina. When she learned I vacationed in Pawleys Island, she said she and a colleague drove the four hours roundtrip to/from Pawleys a few times a year to eat at a special restaurant there. “Don’t tell me,” I said. “Frank’s, right?” In dining as well as golf, long drives are rewarded.
The porch off the Caledonia restaurant almost hangs over the 18th green.
I don’t know where to go for data on supermarkets per capita, but if I did find a source, I feel confident that Pawleys Island might have the most per capita in the nation. If you like to cook, there may be no better place to live and play golf. Take, for example, Pawleys Plantation, where I own a vacation condo. Less than one mile from our gate is a large Loews supermarket. Across the street from Loews is a Food Lion, and less than a mile north of Food Lion is a gigantic Publix supermarket, just a few years old. For those who favor more gourmet provisions, Fresh Market, a competitor of Whole Foods, is another 1 1/2 miles up Highway 17. That amounts to four supermarkets within about three miles of Pawleys Plantation.
Of course, on the coast, you should have access to fresh seafood. During the spring and fall, local fishermen set up their refrigerated trucks in a few parking lots on Highway 17 and sell freshly netted shrimp at discount prices. They don’t operate in December, but this morning I drove just eight miles to the docks along the inlet in Georgetown and picked up a pound of humongous shrimp for just $8.99. The town fathers don’t tout Pawleys Island as a foodie destination, but they probably should.
Mark Saunders, head of Coastal Communities in North Carolina, has managed to make headlines about golf communities he has built between Myrtle Beach and Wilmington, including Rivers Edge and Ocean Ridge Plantation. Some of those headlines involve claims filed against him by property owners in his developments. In the most recent, filed in Brunswick County Superior Court, Coastal Communities was the plaintiff and emerged with a favorable judgment when the court ruled that property owners in Ocean Ridge, not Coastal, were responsible for tax assessments after Saunders turned over the community’s governance to the residents. It seems that the tax bills kept going to Coastal for a few years and the company kept paying them, despite original covenants indicating responsibility for the taxes belonged to the property owners after turnover. In the wake of the judgment, the two sides are expected to engage an arbitrator to help decide on just how much, and on what schedule, Coastal Communities should be repaid. Read here.
This is a good reminder for those considering a golf community home to read the written covenants that govern details of the turnover of the community from developer to residents –- not only on what schedule the property owner’s association takes responsibility for paying fees but also about who will have control of the golf club after the developer leaves. In some cases, the developer retains control; in other cases the property owners have the right of first refusal to purchase the club and, in still other cases, the agreement is that property owners will take over ownership of the club, either for a price stipulated in the covenants or for no cost at all. It would be a good idea to know what financial commitments are in your future.
As we said above, Mark Saunders has been involved in lawsuits before, but what is of particular interest is the rather unusual way in which he and Coastal Communities have chosen to defend themselves. They created a web site and blog to post articles about their side of the story and to testify to how seriously they take the legal actions. The title of the site, “Mark Saunders Lawsuit,” serves mostly as a reminder to people that the words “Saunders” and “Lawsuit” go together. Plus, there is no content on the site, other than a few sentences on the home page that assures that “The unfounded Mark Saunders lawsuit stories should not be of concern” and “there has been exaggerated news of a Mark Saunders lawsuit in the past…” The evidence offered for these assurances is that “Mark Saunders takes lawsuits very seriously and it shows in the careful and detailed work of The Coastal Companies” and that Saunders has done a great job of developing local communities. It is hard to figure out how bringing attention to the lawsuit without any attempt at arguing the merits of their case is a smart play…not to mention how a court weighing evidence might look on a defendant or plaintiff arguing the case so publicly, if insipiently.
This is all kind of sad because Ocean Ridge Plantation in Sunset Beach, NC, is a nicely conceived, multiple-golf-course community whose major misstep, it appears, was to promise a new section, called Jaguar’s Lair that, after 10 years –- and a few angry lot owners –- still does not have a basic complement of roads, electricity lines and other basics required to build a home there. Despite the fact that Jaguar’s Lair properties were opened just in time for the Great Recession and the collapse of the planned development housing market, the relative few property owners have suffered with rapidly depreciating assets, although the rest of Ocean Ridge seems in good shape.
In August, according to television station WWAY in Wilmington, the town of Sunset Beach and Coastal Communities reached an agreement to deliver utilities and roads in the next couple of years.
I take a measure of satisfaction and pride that this web site is focused on baby boomers who play golf, or just want to live in a community that is nicely landscaped, with plenty of green areas, and is likely to help appreciate the real estate it contains. (I take just as much pride when a 40-something contacts me for assistance in finding a vacation home in a golf community.) Most golf web sites appeal to golfers of all ages, and it is cause for celebration among us 60-somethings when one debuts that is singularly focused on us. Enter ShootingYourAge.com, the brainchild of Brad Chambers.
Brad and I will be meeting for a couple of rounds of golf in Pawleys Island, SC, the first week in December to share experiences and ideas, and most of all to discuss how we might work together to enhance the flow of information to baby boomers who love golf as much as we do. Brad’s mission is to help us all “golf better” as we “grow older.” His background is uniquely appropriate to his new enterprise, beyond just being a baby boomer who plays golf. For the better part of three decades, Brad has trained business and non-profit employees in the art of leadership. As a dedicated golfer, he began to see an interesting nexus between the game we all love and leadership principles. Here is how he puts it: “Golf, more than any other sport, exhibits, showcases, and sometimes rejects those displaying -- or not -- leadership principles. Your ball moved in the woods? Only you know. Integrity is on display at all times.” Brad calls this flouting of the rules on the golf course an example of “Cowardly Leadership” which is also the name of a book he has published.
Having spoken about leadership with dozens of groups, Brad has a singular way of communicating often complex topics in clear terms. Although I have never heard him speak, I know his communication ability after I invited him to draft an article for Home On The Course, my free monthly newsletter. That article will appear in the next few weeks in our December edition. Brad’s writing style is clear yet informal, direct yet helpful for any of us who play the game. He is also an avid tweeter who weighs in on most golf-related issues. You can sign up for his tweets at Twitter.com; just search for ShootingYourAge. And sign up now for our free monthly newsletter, Home On The Course, to read Brad’s own thoughts on searching for a golf home. (He and his wife are a couple of years away but already going through the thought process.)
For those who have read this far, currently subscribe to Home On The Course (or subscribe in the next two days), and live in or will be visiting the Pawleys Island, SC, area on December 5, send me an email if you would like to join Brad and me for our round of golf at Pawleys Plantation, a fine Jack Nicklaus layout about a half hour south of Myrtle Beach. I will be pleased to host the first two who sign up. I can promise there will be a lot of talk about living in a golf community, reviews of golf courses around the world, and how to be a good leader on and off the course. You might even learn how to shoot your age.
The Wall Street Journal, in a special retiree-oriented section published today (11/13) called “Encore,” lays out nine questions couples looking to retire to the Sun Belt should ask themselves. (Click here, but you may have to be a subscriber in order to read the full article.) They range from the provocative to the obvious, but all are worthy of consideration before moving.
The most obvious question, yet one that is often overlooked by retired couples, is “What do you want to do?” after you move. At least one spouse, and in many cases both among those couples I work with, indicate some of their days will be filled with golf. Those who opt for golf communities featuring multiple courses won’t get bored quickly but, even for the golf-obsessed, most of their hours will be spent in other pursuits. That is why one of the most fundamental questions to wrestle with is whether to live near a city of some size or in a rural setting. An urban or suburban location will provide the customary attractions of good restaurants, movie theaters, perhaps a major university (or at least a nice-sized college) and all the cultural activities attached to them, plus the most important factor for those with health concerns, a good hospital and an array of well-rated doctors. And those for whom travel will be a key part of retirement will also find great comfort in a near-urban area with an airport within 45 minutes to an hour away.
Many couples don’t have health concerns at this point in their lives, but they do have an aversion to the burdens of population density, such as traffic, noise and air pollution and the general hustle and bustle that very likely characterized their working and family-raising years. For them, trips to the city for a show or other special event will be an infrequent venture, especially if the community they choose offers plenty of other activities on site to go along with an active golf scene.
A few boxes can be checked in either type of location. If, for example, a major force in a couple’s lifestyle is to volunteer for church or civic organizations, the need for community support is substantial in both rural and suburban/urban locations. Intra-community clubs are just as available in large rural golf communities as they are in communities closer to a city. You may not have the variety of supermarkets in a rural setting, but I don’t know of any sizable communities that are farther away from a viable supermarket than 10 miles (and traffic to and fro will be a breeze).
My advice is to always decide first on topography -– mountains, lake/inland, or coast –- as a destination and, once that type of destination is agreeable to both spouses, then decide whether to be near a city or far from the maddening crowds. In short, urban vs rural is a pretty obvious discussion couples should have before starting a serious search for a golf community. Doing so will save a lot of wasted effort when it comes time to plan itineraries and make visits to golf communities under consideration.
Here are a few golf communities we know well and can recommend that epitomize both types of locations:
The Landings at Skidaway Island, Savannah, GA
Six golf courses immaculately maintained and a sprawling community –- 4,800 acres -- surrounded by marshland. Perhaps the biggest attraction is The Landings’ proximity to downtown Savannah, just a 20-minute ride away.
Landfall, Wilmington, NC
Ideally wedged between the city and the ocean, both are no more than 10 minutes from Landfall’s gates. The 45 holes of Jack Nicklaus and Pete Dye golf are about as good as it gets inside the gates of most golf communities. Wilmington’s airport is not huge, but it does host such airlines as American and Delta and provides non-stop service to the major hubs at LaGuardia in New York, Atlanta and Charlotte.
Governors Club, Chapel Hill, NC
Chapel Hill certainly is not a big city, but when you combine Governors Club’s proximity to the local University of North Carolina and Durham’s Duke University less than 15 minutes away, you can’t get a more vibrant and entertaining atmosphere. In short, the Chapel Hill area plays like a big city, with great concerts and museums, college sports, restaurants and shopping. Governors Club’s 27 holes of fine Nicklaus golf are entertaining as well.
Savannah Lakes Village, McCormick, SC
Savannah Lakes could very well be the best bargain in golf community living anywhere, with a number of nice homes priced below $100 per square foot and a property tax rate to match. The two terrific golf courses are totally different in character, and the location on Lake Thurmond provides residents with plenty of water-oriented activities. The community is home to enough residents to provide good reason to stay on site, but on those days you get the itch to travel, the college town of Greenwood is just a half hour away.
Dataw Island, St. Helena, SC
Not exactly rural in that the charming southern city of Beaufort is 20 minutes away, but the three-mile long drive into the community through live oaks and over marshland sure makes Dataw feel “out there.” The two top-notch golf courses by Tom Fazio and Arthur Hills provide plenty of reason to stay on site, but Dataw residents will never feel isolated, given the excellent restaurants and boutique shopping in Beaufort and the pristine beach at Hunting Island State Park, less than a half hour away.
Sapelo Hammock, Shellman Bluff, SC
Sapelo Hammock may be just an hour south of Savannah and only nine miles from Interstate 95 but you will be hard pressed to find a quieter, more out of the way place for a coastal golfing lifestyle. Shellman Bluff is a quiet fishing village within walking distance of the golf club house and surrounding homes. Shellman Bluff’s tiny fleet of fishing boats still troll the local ocean waters, and return with literally the catch of the day. The golf is rustic, meaning it is links like and wind blown and its clubhouse is intimate, but members and guests alike buy in to the live and let live vibe that any small town in the middle of a quiet and beautiful nowhere should promote.
I missed publishing a newsletter in October, but I am making it up to subscribers with a power-packed combined October/November issue, which is set to mail on Wednesday morning. The main feature includes some impressive charts about cost of living comparisons, popularity of Carolina cities and where all those new residents of the Carolinas are coming from, all courtesy of our friends at CarolinaLiving.com. For relocation purposes, the Carolinas are a bit like Alice’s Restaurant, given geographies that include ocean, mountains and crystal clear lakes. (You really can get everything you want in the way of climate, elevation and the best golf east of the Mississippi.)
Speaking of geography, I make the case in this edition that any couple contemplating a home in the Southeastern U.S. should start with one consideration only –- topography. If that seems odd, stay tuned if you are a subscriber, and subscribe if you are not, to find out what I mean. (The subscription is free and no salesman will call.)
We are ending an awful hurricane season, a fact that might put some people off their dream of a home near the beach. My wife and I own a vacation home less than ¾ mile from the Atlantic Ocean in South Carolina and, yet, I believe the odds are with us in terms of hurricane damage. See what I mean in the latest issue of Home On The Course.
I tackle a few other topics, but maybe the most compelling information in this issue of Home On The Course is a chart I put together that shows sample home prices and the property taxes paid on them. Those of us who live in the high-tax Northeast should be especially interested in all the 3,000+ square foot homes in nice golf communities that carry property tax assessments 1/5th to 1/10th what we currently pay. How about a $300,000 home in a fine Carolina golf community with annual property taxes below $1,000? Crazy but true.
You won’t want to miss this issue of Home On The Course. Subscribe for free today.
Little Greenwood, SC, has hit the big time. The American Planning Association has named the lakeside town one of the Best Places in America.
I was impressed when I visited Greenwood, population about 25,000, to research the local golf communities. The town combines the best aspects of rural living with a quiet sophistication noticeable in its small-college atmosphere (Lander College) and a few choice restaurants, including one run by a real French chef who married a local lady. For those craving a bit more urban action, Greenville, three times the size in population, is just an hour away. For those more interested in the ultra quiet of a remotely located golf community, the expansive Savannah Lakes Village in McCormick is just a half hour away, and on beautiful Lake Thurmond.
Closer to Greenwood, golfers have a few choice options, totally dissimilar in character. Just 10 minutes away, Grand Harbor is right on Lake Greenwood and offers all the amenities you would expect from a lake-oriented golf community. In this case, the golf course, aptly called The Patriot, is a challenging and uniquely accessorized layout by Davis Love III. The unique part refers to the Revolutionary War ruins that mimic a nearby fort where locals saw action against the British. It is at once both jarring and elevating to see the representation of a 240-year old damaged brick fort beside a green. Homes start around $300,000.
Back in town, two layouts offer golfers contrasting courses and lifestyles. Stoney Point is more a neighborhood on the lake than a golf community, but the family owned and run golf course not only gives off a community vibe, it also is a solid enough design to attract a regular stream of golfers from the Greenville area. Their investment in time and gas is richly rewarded with a layout, by Tom Jackson, that snakes through pine trees and brings Lake Greenwood into play just enough to add extra drama to the reasonably priced round. Lots range up from just $9,000, with homes from the high $200s.
Many southern towns host a local golf course named for the town itself, and Greenwood is no different. The Greenwood Country Club opened in 1927 but its golf course, designed by significant southern architect George Cobb, opened in 1950. The only recent nod to modernity was the addition of Tif-Eagle grass on the greens; otherwise the layout hits all the classic notes, with smallish greens and tricky surrounding areas. One of the best features of Greenwood’s only private club is the membership fees, just $1,500 to join and $175 per month in dues. Oh, yes, there is a $30 monthly food minimum, about what it would cost for a splurge at the local fast food joint but the country club does a much better job. I note a 5 bedroom, 4 ½ bath home for sale next to the golf club for $375,900. It has 4,300 square feet under the roof; that works out to about $87 a square foot, about as low as you can go for any home these days.
Greenville, SC, ranks high on the list of best Southeastern cities in which to live. During our visits, we found values in golf community real estate across a wide range, from the ultra reasonably priced homes that abut the 36 holes of the Pebble Creek course, to the classy and tight community surrounding Tom Fazio’s Thornblade Club in nearby Greer, to the dramatically designed mountainside homes in the Mountain Park community in the Cliffs communities portfolio in nearby Travelers Rest, whose Gary Player course along the Saluda River is about as much fun to play as any in the Carolinas. Prices in the Greenville area’s golf communities for single-family homes range from the low $200s to as much as you care to pay.
Thornblade and Mountain Park are private clubs and appeal to local families as well as retirees. But in recent days, another option in the popular area has been announced, The Woodlands at Furman, the “Furman” being the beautiful and well-rated university and its celebrated golf course. The Woodlands 22-acre campus is geared to those who want a continuing care facility where they can live independently for years but won’t have to move as they become less independent. The new section of 28 villas, ranging in size from 2,200 to 2,800 feet and offering a choice of four floor plans, will be located beside the 17th tee on the Furman University Golf Course.
I played the Furman course some years ago, after its most recent renovation, and I found its classic design easy on the eyes and the feet, should a golfer choose to walk the flat course. If you would like more information on golf communities in the Greenville area, including The Woodlands, please contact me.
This is going to sound like an advertisement for the Chamber of Commerce in Greater Hartford, CT, but it is really no more than civic pride in the area's golf courses, and recognition by your golf lifestyle correspondent that a couple could spend a good half year playing outstanding and inexpensive golf courses, and living fairly cheaply, especially if they spend a half year plus one day living in a lower-tax state. (I have some friends who live in Florida for the winter months and the Hartford area for the summer.) I live just outside of Hartford for most of the year, and even though my wife and I spend significant weeks during the summer in other places, I am thinking seriously about buying a one-year pass for 2018 at Keney Park, a municipal golf course owned and operated by the City of Hartford (more about costs below). The golf course's layout is the equal of any classic routing in the area and a rival even to Donald Ross designed courses in New England; and conditions, already good, just keep getting better every month.
When I first wrote about Keney here a year ago -- Keney Park Review -- I extolled the virtues of Devereaux Emmet's classic touches – he designed nine of the holes in 1927 -- and the careful and classy redo by architect Ken Dusenberry after conditions became virtually unplayable the decade before the renovations completed in 2015. The only blemishes I could see last year were the blemishes on certain fairways; the par 5 2nd hole, for example, featured a roped off area in the landing zone off the tee. I am happy to report that the roped area is now gone, the turf on all the fairways is solid, and only areas well out of play still need some cosmetic attention.
The 80-year-old building that had been abandoned years ago has now been beautifully restored and houses the pro shop, a wonderful tavern restaurant and beautiful outdoor spaces for dining, drinking and gazing out on the golf course.
Although Keney would be my first choice for an annual membership in the area, two other more modern golf courses are rivals for attention, both with unique pedigrees and stories to tell. The muscular Gillette Ridge has a checkered history since it first opened to savage local reviews in 2004. (See my 2009 review of Gillette Ridge here.) As if thinking the public facility might host a PGA tour event someday, the Arnold Palmer design shop built a layout even the pros would hate. To say it was difficult would be to understate concrete hard greens set just beyond hazards, making it virtually impossible to play to even a 375-yard par 4 green in regulation. The rather meager attempts at maintenance early on, and the later engagement of a management company that ran the club into the ground even after the layout was softened significantly, resulted in the course closing for nearly two years.
But with its reopening last year, Gillette Ridge has come a long way back and can take its place among the best public facilities in Connecticut. I played the course a few weeks ago and found it in nice shape, with friendly staff and an especially good deal for seniors. (My green fee with cart was just $29.) There remain a few holes that will challenge most player's notions of good design, but all in all the golf course is a lot of fun to play, and its setting in an office park is unusual. The Easter Island like sculptures beside the 16th fairway add a unique touch of culture as well.
Longtime architecture critic for Golfweek magazine, Brad Klein, did his hometown and the golfing public in the Greater Hartford area a huge favor when he invited Pete Dye to donate his services to reshape a piece of farmland in Bloomfield, just 20 minutes from Bradley International Airport. Dye hasn't designed many non-private, non-resort golf courses, and the fact he was paid a token $1 for Wintonbury Hills didn't keep him from crafting a spirited layout with deceptions on the "easy" holes and some muscle on the tougher ones. Town of Bloomfield residents get a break on green fees and membership, but both are reasonable, especially for the excellent conditions and a layout that lives up to the designer's reputation. (One minor gripe: Holes 1 & 2 and 10 and 11 follow the same pathways away from the clubhouse and are awkwardly similar, although wonderfully designed.) My original review of Wintonbury Hills is available here.
For couples or singles interested in the cheapest possible memberships, a move to the towns of Hartford, Windsor or Bloomfield should rank highly. The median price for listings of homes for sale in Bloomfield currently is $238,000; in Windsor it is $206,000. Inside the boundaries of the city of Hartford, median home prices are $135,000 which is a bit deceptive in that lavish mansions on the west side of town are averaged with modest dwellings in the inner city. However, a part-time couple might do well to investigate rental apartments; yes, you will pay for months when you will not be in residence but you will also avoid the state’s generally high property taxes on real estate.
The costs of golf at the three clubs mentioned above are noted below for both resident and non-resident members.
The following are resident and non-resident costs for adult annual passes to Keney Park in Hartford and Wintonbury Hills in Bloomfield. Note that Gillette Ridge is not a municipal course and does not offer discounts to residents. Daily rates are based on 18 holes.
Non-Resident Adult Annual Pass $1,399
Resident Adult Annual Pass $1,025
Senior (62+) Resident Annual Pass $ 825
Senior Non-Resident Annual Pass $1,049
Adult Resident/Non-Resident $40/$30
Daily Green Fees (weekday)
Senior Resident/Non-Resident $21/$29
Daily Green Fees (weekday)
Adult & Senior Weekend Rates $32/$42
Golf Car $18 at all times; pull cart $9
(Residents save $500 memberships that permit all week play; $400 on weekday play)
Annual membership for 7-day per week play
Single annual pass $3,150
Couple annual pass $4,400
Weekday only (5-day) pass
Single annual pass $2,000
Couple annual pass $3,200
Green fees at Wintonbury Hills average $60 weekday to $80 weekend, cart included
Full Annual Membership
Individual (first 25 to sign up) $2,995
Family (includes children) $4,900
Cart fees, handicap service and range balls included with memberships
Many Americans with stock portfolios tune in to CNBC, at least occasionally, to follow news about the stock market and world events that could affect their investments. The network has an online presence as well, but at least given an article posted yesterday, spending a few minutes reading their posts about retirement is a bad investment.
A headline entitled “How to Find the Best Retirement Spot” certainly signals information about potential choices in different parts of the country, or even worldwide since the dollar can go a long way in other nations. At the least, we could hope for a list of savvy tips on searching for a home to use in retirement.
You won’t find any of that in the CNBC article. Consider these goes-without-saying words of wisdom:
"Take the time to visit these communities and talk to current residents to learn about the culture of that community as they do vary."
"If you are not accustomed to extreme cold or hot temperatures you may not want to choose a retirement destination with extreme weather conditions,"
"Work with your financial advisor to determine what retirement lifestyle and location you can afford."
Given these last bon mots, it is no surprise this advice comes from a financial planner. I love financial planners, but most people can figure out what they can afford, especially if they are downsizing from a home they have owned for decades (the appreciation and the lower cost of a smaller home in the next destination will help make planning easier). Although I am sure it happens, I have never encountered a couple that purchased a home in a community before visiting it at least once. As for choosing a destination with extreme weather conditions, most of us have traveled to hot weather destinations and, if not, the ubiquitous Weather Channel is a good education tool on that score. When customers tell me they are interested in moving to a place like Florida, I always remind them of the unremitting hot days in summer. The typical response is, “We know. We’ve been there before.”
Of more concern, are hurricanes which, given recent events, may give pause to some folks who are considering coastal locations for their retirement. I have written before, and will do so again in my next edition of Home On The Course, our monthly newsletter, about the threats and realities of hurricanes in the Southeast region of the U.S. It remains the case that, in most coastal locations from Florida to New England, a major hurricane can be expected between every 20 and 75 years, depending on location (“major hurricane” defined as one with winds exceeding 111 mph whose eye is 75 miles from the city). The probability of a major storm in any given year in Myrtle Beach is 2.2%, or once every 45 years; in Savannah, the chances are 1.3%, or every 77 years, the same chances as in Boston. (In fact, coastal cities in Rhode Island and Massachusetts actually have a much higher chance of a major hurricane hitting than do Savannah and other locations on the southern coast.)
The predictable landing zones for major storms won’t change much in the coming years. However, as implied by Irma, Harvey and Maria, the severity of these storms could cause those of us previously willing to play the odds to take a second look. (I own a second home in Pawleys Island, just south of Myrtle Beach.) Let me know if I can help you find a home near a beach nearby, and the comfort that chances are good that you will never have to evacuate it.