Last year, Penny and Brad Bibey sold their Camarillo, Calif., home of 23 years and moved cross-country to new digs 700 yards from the first tee of the famed Pinehurst #2 course at the golf mecca of Pinehurst, N.C. Bibey reports that even though he and his wife are still working remotely (she’s a refined fuels broker, he owns a commercial printing business) at least one of them now hits the lixs most days.

去年，Penny 和 Brad Bibey 賣掉了他們在加利福尼亞州卡馬里洛住了 23 年的家，并從北卡羅來納州 Pinehurst 高爾夫圣地著名的 Pinehurst 二號球場的第一個發球臺 700 碼處搬到了新的地方。 盡管他和他的妻子仍在遠程工作（她是一名精煉燃料經紀人，他擁有一家商業印刷業務），但現在至少他們中的一個人現在大部分時間都在線。
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Another couple, painter Nancy Scheinman and retired architect Jim Wheeler, also moved cross-country last year, but in the opposite direction. They headed from the Baltimore suburb of Towson, Md., to Santa Fe, N.M., known for its art galleries, restaurants and hiking and ski trails. The Wheelers were on a long city hike around Santa Fe when we reached them on a cell phone.

另一對夫婦，畫家南?！ど骋蚵屯诵萁ㄖ熂贰せ堇?，去年也搬到了自己的國家，但方向相反。 他們從馬里蘭州陶森的巴爾的摩郊區前往以藝術畫廊、餐廳、遠足和滑雪道而聞名的新墨西哥州圣達菲。 當我們通過手機聯系到惠勒夫婦時，他們正在圣達菲附近進行長途城市徒步旅行。

There are lots of reasons those nearing or in retirement make long distance moves—to be closer to family, to cut living costs, for a warmer climate. But pursuing recreational bliss is also a priority for many Baby Boomers.

那些即將退休或已經退休的人進行長途搬家的原因有很多——與家人更親近、降低生活成本、氣候變暖。但追求娛樂幸福也是在最近的嬰兒潮中一代的首要任務。

Both these affluent 60-something couples, for instance, wanted to live somewhere suited to their leisure interests. And both ended up at destinations on Forbes’ new list of The 25 Best Places To Enjoy Your Retirement In 2021. The list represents our picks for top places to pursue seven retirement passions: arts/culture, fine dining, lifelong learning, volunteering, outdoor activities on water, outdoor activities on land, and a subset, golf. Our choices are spread over 18 states and all four continental time zones. Most are good for multiple passions, and one—Austin, Tex.—hits all seven.

例如，這對富裕的 60 多歲夫婦都想住在適合他們休閑興趣的地方。兩者選擇的地方最終都登上了福布斯 2021 年最適合退休的 25 個最佳地點的新名單。該名單代表了我們對追求七種退休熱情的最佳地點的選擇：藝術/文化、美食、終身學習、志愿服務、戶外水上活動、陸上戶外活動和一個單獨的娛樂——高爾夫。我們的選擇遍布 18 個州和所有四個大陸時區。大多數都適合多種興趣選擇，其中一個——德克薩斯州奧斯汀——達到了所有七項。

While our flagship retirement places list, The Best Places To Retire in 2021, features only locations that offer good retirement value for the buck, high living costs and taxes alone don’t disqualify a city from being considered for this passions list. But we do take more than leisure into account. We also apply such crucial quality-of-life metrics as the availability of doctors, the serious crime rate, air quality—and importantly, susceptibility to natural disasters and climate change. This last concern axed a number of big cities that made earlier leisure pursuit lists, produced before we applied a climate screen, including New York, Los Angeles, San Francisco and Seattle as well as beach towns such as Sarasota, Fla.

雖然我們的旗艦退休地點列表“2021 年最佳退休地點”僅提供物有所值的退休地點，但僅憑高生活成本和稅收并不會取消一個城市被考慮列入這份列表的資格。但我們確實考慮的不僅僅是休閑。我們還應用了諸如醫療衛生條件、嚴重犯罪率、空氣質量以及重要的自然災害和氣候變化的易感性等關鍵的生活質量指標。最后一個是取消了一些在我們應用氣候篩選之前制作的較早的休閑追求清單的大城市，包括紐約、洛杉磯、舊金山和西雅圖以及佛羅里達州薩拉索塔等海濱小鎮。
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Annapolis, Maryland ???

馬里蘭州安納波利斯 ???

With water on three sides, including the Chesapeake Bay, this charming state capital city 30 miles east of Washington, D.C., is a big draw for those who fancy boating, fishing and kayaking. There are even a dozen or so boating schools. Plus, there’s a strong volunteering culture. At an elevation of 40 feet, Annapolis is also a very walkable and bikeable town with good air quality, and a relatively low risk from natural hazards, according to FEMA. One downside: a serious crime rate above the national average. Another is that Maryland has both a state estate and an inheritance tax. It does, however, exempt Social Security benefits and a certain amount of private pension income and withdrawals from 401(k) accounts (but not IRAs) from the state income tax.

這座迷人的州首府城市位于華盛頓特區以東 30 英里處，三面有水，包括切薩皮克灣，對喜歡劃船、釣魚和劃皮劃艇的人來說具有很大的吸引力。 甚至還有十幾所劃船學校。 此外，還有強大的志愿服務文化。 據 FEMA 稱，安納波利斯海拔 40 英尺，也是一個非常適合步行和騎自行車的小鎮，空氣質量良好，自然災害風險相對較低。 一個缺點：嚴重犯罪率高于全國平均水平。 另一個原因是馬里蘭州既有州遺產稅又有國家的遺產稅。 但是，它確實免除了社會保障福利和一定數量的私人養老金收入以及從 401(k) 賬戶（但不是 IRA）中提取的州所得稅。


Ann Arbor, Michigan ?

密歇根州安娜堡 ?

The opportunity for lifelong learning at top-tier University of Michigan is only one of the many draws of this buzzy college town 30 miles west of Detroit. There’s also a robust arts/culture and dining scene and upwards of 70 golf courses within 20 miles. The city has a high ratio of physicians per capita, good air quality and is very walkable and bikeable. Serious crime is low and so is the risk for natural hazards and climate change according to studies by FEMA and the University of Notre Dame. Elevation is 850 feet. There is no state income tax on Social Security income, and there’s a partial break on other retirement income. One downside: cold winters

在頂級密歇根大學終身學習的機會只是底特律以西 30 英里這個熱鬧的大學城的眾多吸引力之一。 還有一個強大的藝術/文化和餐飲場所以及 20 英里范圍內的 70 多個高爾夫球場。 這座城市的人均醫生比例很高，空氣質量良好，非常適合步行和騎自行車。 根據 FEMA 和圣母大學的研究，嚴重犯罪率很低，自然災害和氣候變化的風險也很低。 海拔為 850 英尺。 社會保障收入沒有州所得稅，其他退休收入有部分減免。 缺點之一：寒冷的冬天


Asheville, North Carolina ? ??

北卡羅來納州阿什維爾 ? ??

Outdoor experiences—forests, parks, whitewater and hiking terrain—abound around this scenic city in the Blue Ridge Mountains region of western North Carolina. Research group Barda.org rates Asheville high in volunteering. Doctors are abundant, air quality is good. City is very bikeable. Elevation of 2,100 feet makes most summers non-sweltering. There is no state income tax on Social Security benefits and no state estate tax. Asheville is at moderate risk for natural hazards, according to FEMA. One downside: serious crime rate is above national average.

這座位于北卡羅來納州西部藍嶺山脈地區的風景秀麗的城市周圍有很多戶外體驗——森林、公園、激流和遠足地形。 研究小組 Barda.org 對阿什維爾的志愿服務評價很高。 醫生多，空氣質量好。 城市非常適合騎自行車。 2,100 英尺的海拔使大多數夏天都不悶熱。 社會保障福利沒有州所得稅，也沒有州遺產稅。 據 FEMA 稱，阿什維爾面臨自然災害的中等風險。 缺點之一：嚴重犯罪率高于全國平均水平。


Athens, Georgia

佐治亞州雅典

Some 70 miles east of Atlanta, this college town has a vibrant arts/culture and dining scene. The University of Georgia hosts an Osher Lifelong Learning Institute, plus offers seniors free admission to regular classes. Nearby terrain offers hiking and mountain biking. Doctors are plentiful, and there is good air quality. Elevation is 600 feet. Georgia doesn’t tax estates or Social Security benefits and offers a generous break for other retirement income. FEMA rates Athens as having a relatively moderate risk for natural hazards. Serious crime is a little above the national average, and the city, while somewhat bikeable, isn’t all that walkable.

這個大學城位于亞特蘭大以東約 70 英里處，擁有充滿活力的藝術/文化和餐飲場所。 佐治亞大學設有 Osher 終身學習學院，并為高年級學生免費提供常規課程。 附近的地形適合遠足和騎山地自行車。 醫生很多，空氣質量很好。 海拔是600英尺。 佐治亞州不對遺產或社會保障福利征稅，并為其他退休收入提供慷慨的減免。 FEMA 將雅典評為自然災害風險相對中等的城市。 嚴重犯罪率略高于全國平均水平，這座城市雖然有點適合騎自行車，但并不適合步行。


Austin, Texas ? ? ??

德克薩斯州奧斯汀 ? ? ??

Big music and dining scene anchors an arts/culture experience in the capital of Texas that also features free senior citizen tuition for six credits a semester at the University of Texas at Austin. There’s a plethora of outdoor water and land activities, including dozens of golf courses. The city boasts a high number of physicians per capita, good air quality and high marks for volunteering. Austin is very bikeable and somewhat walkable. Climate is warm but pleasant. Elevation is 300 feet. There is no state income or estate tax. Climate change risk is favorably rated by the University of Notre Dame and FEMA as moderate or very low. But serious crime rate is slightly above the national average.

大型音樂和餐飲場所在德克薩斯州首府提供藝術/文化體驗，還提供德克薩斯大學奧斯汀分校每學期 6 個學分的免費老年人學費。 有大量的戶外水上和陸地活動，包括數十個高爾夫球場。 該市人均醫生人數多，空氣質量好，志愿服務評分高。 奧斯汀非常適合騎自行車，也適合步行。 氣候溫暖而宜人。 海拔是300英尺。 沒有州所得稅或遺產稅。 氣候變化風險被圣母大學和 FEMA 評為中等或非常低。 但嚴重犯罪率略高于全國平均水平。


Bend, Oregon ? ?

本德，俄勒岡州 ? ?

Outdoor activities are the big draw of this scenic playground 160 miles southeast of Portland. Pursuits at an elevation of 3,600 feet around the north-flowing Deschutes River include downhill and cross-country skiing, fishing, tubing, hiking, rock climbing, bicycling, paragliding and, except in winter, golf. Other pluses include good air quality, a low serious crime rate and a high number of doctors per capita. There is no state sales tax, and no state income tax on Social Security benefits, but there is a state estate tax. FEMA ranks Bend relatively low in natural hazard risk. The town itself is not very walkable.

戶外活動是這個位于波特蘭東南 160 英里的風景優美的游樂場的一大亮點。 在北流德舒特河周圍海拔 3,600 英尺的地方進行的追逐活動包括下坡和越野滑雪、釣魚、油管、遠足、攀巖、騎自行車、滑翔傘以及（冬季除外）高爾夫。 其他優點包括空氣質量好、嚴重犯罪率低和人均醫生人數多。 沒有州銷售稅，也沒有社會保障福利的州所得稅，但有州遺產稅。 FEMA 將本德的自然災害風險評級為相對較低。 小鎮本身不是很適合步行。


Boone, North Carolina ? ?

北卡羅來納州布恩 ? ?

Outdoor enthusiasts find lots to do in and around this affordably priced mountain town 120 miles northwest of Charlotte, including hiking, caving, canoeing, whitewater rafting, fishing, skiing, snowboarding and visiting 17 golf courses in the area. Inside, retirees can audit courses for free at Appalachian State University. Elevation is 3,333 feet. Pluses include good air quality, adequate number of doctors per capita and a low serious crime rate. Boone is somewhat walkable and very bikeable. Climate change/hazard risk is rated as relatively low by FEMA. There is no state income tax on Social Security and no state estate tax.

戶外運動愛好者可以在夏洛特西北 120 英里處這個價格實惠的山城內外找到很多活動，包括遠足、探洞、劃獨木舟、激流漂流、釣魚、滑雪、單板滑雪和參觀該地區的 17 個高爾夫球場。在里面，退休人員可以免費旁聽阿巴拉契亞州立大學的課程。海拔為 3,333 英尺。優點包括良好的空氣質量、足夠的人均醫生數量和較低的嚴重犯罪率。布恩有點適合步行，而且非常適合騎自行車。 FEMA 將氣候變化/災害風險評級為相對較低。社會保障沒有州所得稅，也沒有州遺產稅。


Boston, Massachusetts ?? ?

馬薩諸塞州波士頓 ?? ?

Indoors and outdoors, this thriving historic coastal state capital city of 685,000 offers a wealth of passions to pursue, particularly lifelong learning, given its more than 50 area colleges. Arts/culture and fine dining are considered tops, while there are ample opportunities for outdoor water and land activities. Boston has good air quality and abundant doctors per capita. Elevation is 140 feet. The city is both highly walkable and bikeable. Research group Barda.org rates Boston high in volunteering. FEMA rates the natural hazards risk as moderate. There’s no state income tax on Social Security benefits, but there is a state estate tax. Another downside: a higher than average serious crime rate.

在室內和室外，這座擁有 685,000 人口的繁榮的歷史悠久的沿海州首府城市提供了豐富的追求，尤其是終身學習，因為它擁有 50 多所地區學院。藝術/文化和美食被認為是一流的，同時也有充足的戶外水上和陸地活動機會。波士頓空氣質量好，人均醫生數量多。海拔是 140 英尺。這座城市既適合步行又適合騎自行車。研究小組 Barda.org 對波士頓的志愿服務評價很高。 FEMA 將自然災害風險評為中等。社會保障福利沒有州所得稅，但有州遺產稅。另一個缺點：嚴重犯罪率高于平均水平。
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Boulder, Colorado ??

科羅拉多州博爾德市 ??
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Some 30 miles northwest of Denver, Boulder sits at the center of a huge recreational open space abutting the Rockies at an elevation of 5,400 feet. Outdoor activities are extensive, including hiking, climbing, biking and fishing. Boulder is also the home of the University of Colorado, which nurtures a big arts/culture and fine dining scene and allows seniors to audit courses for a minimal cost. Boulder itself is very walkable and bikeable with a low serious crime rate, good air quality and abundant doctors. Volunteering is a way of life. There is no state estate tax, but the state does tax Social Security benefits. Boulder has a favorable rating on the FEMA National Risk Index uating relative natural hazards including flooding, earthquake, heat wave, cold wave and drought.

在丹佛西北約 30 英里處，博爾德坐落在一個巨大的休閑開放空間的中心，毗鄰落基山脈，海拔 5,400 英尺。戶外活動非常廣泛，包括遠足、登山、騎自行車和釣魚。博爾德也是科羅拉多大學的所在地，該大學有一個大型的藝術/文化和美食場所，并允許老年人以最低的成本旁聽課程。博爾德本身非常適合步行和騎自行車，嚴重犯罪率低，空氣質量好，醫生多。志愿服務是一種生活方式。沒有州遺產稅，但州政府對社會保障福利征稅。博爾德在 FEMA 國家風險指數評估相對自然災害（包括洪水、地震、熱浪、寒潮和干旱）中獲得良好評級。


Charleston, South Carolina ? ?
This charming and historic coastal city offers legendary fine dining, a big arts scene, outdoor water activities and golf (with 39 courses in the area). At an elevation of 20 feet, it is moderately walkable and very bikeable. The city enjoys a high number of doctors per capita and good air quality. Charleston gets favorable ratings of low to moderate risk on climate change/natural hazard ratings by FEMA and the University of Notre Dame. The state doesn’t tax estates or Social Security benefits and also provides a state income tax break on other pension income.

查爾斯頓，南卡羅來納州 ? ? 這座迷人且歷史悠久的海濱城市提供傳奇的美食、大型藝術場所、戶外水上活動和高爾夫球場（該地區有 39 個球場）。在海拔 20 英尺處，它適合步行且非常適合騎自行車。該市人均醫生人數多，空氣質量好。查爾斯頓獲得 FEMA 和圣母大學對氣??候變化/自然災害評級的低到中等風險評級。國家不對遺產或社會保障福利征稅，并且還對其他養老金收入提供州所得稅減免。
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Clearwater, Florida ? ?
Located between the Gulf of Mexico and Tampa Bay, usually sunny Clearwater is awash in outdoor water activities, most notably boating, swimming, diving and fishing. There are also 71 golf courses in the area. Clearwater has a high number of doctors per capita, good air quality and is highly bikeable and somewhat walkable. Elevation is 30 feet. Florida has no state income or estate tax. Clearwater has a relatively moderate risk for natural hazards according to FEMA—it’s at lower risk than many other popular Florida locales partly because hurricanes tend to skip that part of the Gulf Coast. Serious crime rate is above the national average.

佛羅里達州克利爾沃特 ? ? 位于墨西哥灣和坦帕灣之間，通常陽光明媚的克利爾沃特充滿了戶外水上活動，最著名的是劃船、游泳、潛水和釣魚。該地區還有71個高爾夫球場?？死麪栁痔氐娜司t生數量很多，空氣質量良好，而且非常適合騎自行車和步行。海拔是30英尺。佛羅里達州沒有州所得稅或遺產稅。根據 FEMA 的數據，克利爾沃特的自然災害風險相對中等——它的風險低于佛羅里達州許多其他受歡迎的地區，部分原因是颶風往往會跳過墨西哥灣沿岸的那部分地區。嚴重犯罪率高于全國平均水平。


Coeur d’Alene, Idaho ?
Scenic mountains and waterways, including 25-mile-long Lake Coeur d’Alene, give this city 300 miles east of Seattle its outdoors props for fishing, boating, swimming and hiking. Coeur d’Alene has an adequate number of physicians, good air quality, and a low serious crime rate. The city is very bikeable, although not very walkable. Elevation is 2,200 feet. There is no state tax on Social Security benefits or on estates. FEMA rates Coeur d’Alene at a very low risk for natural hazards.

Coeur d'Alene, 愛達荷州 ? 風景秀麗的山脈和水道，包括 25 英里長的 Coeur d'Alene 湖，為這座位于西雅圖以東 300 英里的城市提供了釣魚、劃船、游泳和徒步旅行的戶外道具。 Coeur d’Alene 擁有足夠數量的醫生、良好的空氣質量和較低的嚴重犯罪率。這座城市非常適合騎自行車，但不太適合步行。海拔為 2,200 英尺。對社會保障福利或遺產不征收州稅。 FEMA 將 Coeur d’Alene 評為極低的自然災害風險。
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Dallas, Texas ?
Nearly 80 golf courses in the area plus a robust arts/culture and fine dining scene distinguish the Big D. The city has an adequate number of physicians per capita and is somewhat walkable and very bikeable. Air quality is good. There is no state taxation of income or estates. Elevation is 430 feet. Dallas gets a favorable rating on the University of Notre Dame climate change risk metric, but not so favorable on the FEMA National Risk Index. Serious crime rate is above the national average.

德克薩斯州達拉斯 ? 該地區近 80 座高爾夫球場以及豐富的藝術/文化和精致的餐飲場所使 Big D 與眾不同。這座城市的人均醫生數量充足，適合步行和騎自行車?？諝赓|量很好。沒有遺產征稅。海拔為 430 英尺。達拉斯在圣母大學氣候變化風險指標上獲得了良好的評級，但在 FEMA 國家風險指數上卻沒有那么好。嚴重犯罪率高于全國平均水平。


Fayetteville, Arkansas ? ?
In one of the best deals around, the University of Arkansas offers free tuition and fee waivers to senior citizens at its flagship campus in this Ozarks city 200 miles northwest of Little Rock. That complements extensive parks and waterways in the scenic area conducive to hiking, fishing and boating, plus 21 golf courses. Elevation is 1,400 feet. There are adequate physicians per capita and good air quality. There is no state estate tax, and no state income tax on Social Security benefits or a portion of pension income. Fayetteville has a favorable moderate rating on the FEMA National Risk Index uating relative natural hazards. Downside: the serious crime rate is above the national average.

阿肯色州費耶特維爾 ? ?
阿肯色大學位于小石城西北 200 英里的奧扎克斯市的旗艦校區，是周邊最優惠的交易之一，為老年人提供免費學費和費用減免。這與風景區內廣闊的公園和水道相輔相成，有利于遠足、釣魚和劃船，以及 21 個高爾夫球場。海拔為 1,400 英尺。人均擁有足夠的醫生，空氣質量良好。沒有州遺產稅，也沒有對社會保障福利或部分養老金收入征收州所得稅。費耶特維爾在評估相對自然災害的 FEMA 國家風險指數中獲得良好的中等評級。缺點：嚴重犯罪率高于全國平均水平。


Gainesville, Florida
The University of Florida provides a number of lifelong learning opportunities in this leafy college town 115 miles northwest of Orlando. Numerous parks and outdoor areas offer hundreds of miles of trails for hiking and biking. A city with a large infrastructure for retirees, Gainesville has abundant doctors and good air quality. It is very bikeable, although not as walkable. Elevation is 150 feet. Florida has no state income or estate tax. Thanks partly to its inland location, both the University of Notre Dame and FEMA give Gainesville favorable climate change/natural hazard risk ratings. Serious crime rate, however, is above the national average.

佛羅里達州蓋恩斯維爾
佛羅里達大學在奧蘭多西北 115 英里這個綠樹成蔭的大學城提供了許多終身學習的機會。許多公園和戶外區域提供數百英里的遠足和騎自行車小徑。蓋恩斯維爾是一座為退休人員提供大型基礎設施的城市，擁有豐富的醫生和良好的空氣質量。它非常適合騎自行車，但不太適合步行。海拔是 150 英尺。佛羅里達州沒有州所得稅或遺產稅。部分歸功于其內陸位置，圣母大學和 FEMA 均給予蓋恩斯維爾有利的氣候變化/自然災害風險評級。然而，嚴重犯罪率高于全國平均水平。


Iowa City, Iowa
University of Iowa provides numerous lifelong learning opportunities in this classic college town, 115 miles east of Des Moines, that is also honored as a UNESCO City of Literature. It has a high ratio of doctors per capita, good air quality and low serious crime rate. The city is very bikeable and somewhat walkable. Elevation is 700 feet. There is no state income tax on Social Security benefits, and a partial tax break for pension income, but there is a state estate tax. FEMA gives Iowa City a favorable relatively low risk ranking on its National Risk Index uating natural hazards.

愛荷華州愛荷華市
愛荷華大學在這個位于得梅因以東 115 英里的經典大學城提供眾多終身學習機會，這里也被譽為聯合國教科文組織文學之城。它的人均醫生比例高，空氣質量好，嚴重犯罪率低。這座城市非常適合騎自行車，也適合步行。海拔為 700 英尺。社會保障福利沒有州所得稅，養老金收入有部分稅收減免，但有州遺產稅。 FEMA 在其評估自然災害的國家風險指數中為愛荷華市提供了有利的相對較低的風險排名。


Pinehurst, North Carolina ?
Nearly 40 golf courses, led by famous century-old Pinehurst Resort, plus golf schools dot this idyllic village with a pleasant climate 90 miles east of Charlotte. The ratio of doctors per capita is high, the air quality is good, and the serious crime rate is very low. There is no state income tax on Social Security benefits, and no state taxes on estates. Pinehurst has a moderate rating on the FEMA National Risk Index uating relative natural hazards including flooding, earthquake, heat wave, cold wave and drought.

北卡羅來納州派恩赫斯特 ?
在夏洛特以東 90 英里處，這個氣候宜人的田園村莊有近 40 個高爾夫球場，由著名的百年老派恩赫斯特度假村 (Pinehurst Resort) 領導，此外還有高爾夫學校。人均醫生比例高，空氣質量好，嚴重犯罪率很低。社會保障福利不征收州所得稅，遺產也不征收州稅。 Pinehurst 在 FEMA 國家風險指數評估相對自然災害（包括洪水、地震、熱浪、寒潮和干旱）中的評級為中等。


Pittsfield, Massachusetts
Aging manufacturing city 135 miles west of Boston and 40 miles southeast of Albany, N.Y., has been reborn in recent decades as a center of world-class arts/culture scene. The nearby state parks and wildlife areas in scenic but not-so-towering Berkshire Mountains add outdoor land attractions. The ratio of doctors per capita is high, and there is good air quality. FEMA ranks the city on its National Risk Index as having a very low risk for natural hazard events. There is no state income tax on Social Security income, but there is a state estate tax. Serious crime rate is above the national average.

馬薩諸塞州皮茨菲爾德
位于波士頓以西 135 英里、紐約州奧爾巴尼東南 40 英里的老城制造業在近幾十年來重生為世界級藝術/文化中心。附近風景優美但不那么高聳的伯克希爾山脈的州立公園和野生動物區增加了戶外陸地景點。人均醫生比例高，空氣質量好。 FEMA 在其國家風險指數中將該城市列為自然災害事件風險非常低的城市。社會保障收入沒有州所得稅，但有州遺產稅。嚴重犯罪率高于全國平均水平。


Portland, Maine ?
This coastal city 100 miles north of Boston has a wide variety of water and land recreation, including boating, kayaking, rafting, cross-country snow skiing, hiking and bicycling. The restaurant scene is robust. It offers a low serious crime rate, a high ratio of doctors per capita and good air quality. The city is very walkable and bikeable. Elevation is 60 feet. There is no state income tax on Social Security benefits, but there is a state estate tax. Portland enjoys a favorable rating in the University of Notre Dame climate change risk study and FEMA’s National Risk Index of exposure to natural hazards.

緬因州波特蘭 ?
這座位于波士頓以北 100 英里的海濱城市擁有種類繁多的水上和陸地娛樂活動，包括劃船、皮劃艇、漂流、越野滑雪、遠足和騎自行車。餐廳的場景很健壯。它提供較低的嚴重犯罪率、較高的人均醫生比例和良好的空氣質量。這座城市非常適合步行和騎自行車。海拔是 60 英尺。社會保障福利沒有州所得稅，但有州遺產稅。波特蘭在圣母大學氣候變化風險研究和 FEMA 的自然災害暴露國家風險指數中享有良好的評級。
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Salt Lake City, Utah ?? ?
Nestled between the Great Salt Lake and the Wasatch Range, this city offers a wide range of outdoor activities, including skiing, bird watching, hiking and fishing. Indoors, the University of Utah offers a wide range of courses for seniors in concert with the Osher Lifelong Learning Institute. The city has a high rate of volunteering as measured by Barda.org. The city is very walkable and bikeable. Elevation is 4,300 feet. The state income tax hits Social Security benefits, although there is no state estate tax. Salt Lake City has favorable climate change/natural hazard risk ratings from the University of Notre Dame and FEMA. On the downside, the serious crime rate is above the national average, and there often are air quality issues.

猶他州鹽湖城 ?? ?
這座城市坐落在大鹽湖和瓦薩奇山脈之間，提供各種戶外活動，包括滑雪、觀鳥、遠足和釣魚。在室內，猶他大學與 Osher Lifelong Learning Institute 合作，為老年人提供廣泛的課程。根據 Barda.org 的測量，該市的志愿服務率很高。這座城市非常適合步行和騎自行車。海拔為 4,300 英尺。盡管沒有州遺產稅，但州所得稅會影響社會保障福利。鹽湖城擁有來自圣母大學和 FEMA 的有利氣候變化/自然災害風險評級。不利的一面是，嚴重犯罪率高于全國平均水平，并且經常存在空氣質量問題。


Santa Fe, New Mexico
This scenic state capital mountain town 60 miles north of Albuquerque offers dozens of art galleries, fine restaurants and museums, plus world-class skiing and other outdoor land activities. Santa Fe has a high number of doctors per capita, good air quality and a low serious crime rate. At an elevation of 7,200 feet, the city is very bikeable and somewhat walkable. While there is no state estate tax, the state income tax does hit Social Security benefits. Santa Fe has a favorable rating of moderate on the FEMA National Risk Index uating relative natural hazards including flooding, earthquake, heat wave, cold wave and drought.

新墨西哥州圣達菲
這個風景秀麗的州首府山城位于阿爾伯克基以北 60 英里處，擁有數十家藝術畫廊、精美的餐廳和博物館，以及世界一流的滑雪和其他戶外陸地活動。圣達菲的人均醫生人數多，空氣質量好，嚴重犯罪率低。這座城市海拔 7,200 英尺，非常適合騎自行車和步行。雖然沒有州遺產稅，但州所得稅確實影響了社會保障福利。圣達菲在 FEMA 國家風險指數評估相對自然災害（包括洪水、地震、熱浪、寒潮和干旱）中的良好評級為中等。


Scottsdale, Arizona ?
This Phoenix suburb offers more than 100 nearby golf courses—55 in Scottsdale alone—other outdoor activities like hiking and horseback riding in the desert, and a big restaurant scene. There are adequate doctors per capita and a low serious crime rate. The city is very bikeable, though not as walkable. Elevation is 1,250 feet. There is no state tax on Social Security benefits or estates. On the down side, FEMA’s National Risk Index puts Scottsdale in the second highest of its five natural hazard tiers. Air quality continues to be a problem.

亞利桑那州斯科茨代爾 ?
這個鳳凰城郊區提供 100 多個附近的高爾夫球場——僅斯科茨代爾就有 55 個——其他戶外活動，如在沙漠中遠足和騎馬，以及一個大型餐廳。人均醫生數量充足，嚴重犯罪率低。這座城市非常適合騎自行車，但不太適合步行。海拔為 1,250 英尺。對社會保障福利或遺產不征收州稅。不利的一面是，FEMA 的國家風險指數將斯科茨代爾置于其五個自然災害等級中的第二高?？諝赓|量仍然是一個問題。


Traverse City, Michigan ? ?
Some 250 miles northwest of Detroit, this center of tart cherry production boasts the famed Interlochen Center for the Arts nearby with its hundreds of yearly concerts, frontage on Lake Michigan and a reputation as a top dining town. There’s above-average doctors per capita and good air quality, and the city is very walkable and bikeable. Elevation is 600 feet. The state doesn’t tax estates or Social Security benefits and grants additional income tax breaks for pension income. Traverse City gets a favorable rating on FEMA’a National Risk Index. Downside: The serious crime rate is above the national average.

密歇根州特拉弗斯城 ? ?
這個酸櫻桃生產中心位于底特律西北約 250 英里處，附近有著名的 Interlochen 藝術中心，每年舉辦數百場音樂會，毗鄰密歇根湖，享有頂級餐飲小鎮的美譽。人均醫生數量高于平均水平，空氣質量良好，這座城市非常適合步行和騎自行車。海拔是600英尺。國家不對遺產或社會保障福利征稅，并為養老金收入提供額外的所得稅減免。特拉弗斯城在 FEMA'a 國家風險指數中獲得良好評級。缺點：嚴重犯罪率高于全國平均水平。
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Tucson, Arizona ?
More than 40 golf courses are in or near this city just 70 miles from Mexico. The University of Arizona provides a number of lifelong learning opportunities while anchoring a robust arts/culture scene. The surrounding Sonoran Desert and mountains offer hiking and other outdoor land activities. There are abundant doctors and good air quality. At an elevation of 2,600 feet, Tucson is very bikeable and somewhat walkable. There is no state taxation of Social Security benefits or estates. The University of Notre Dame ranks the climate-change risk as low, although FEMA finds a relatively high natural hazard risk due to such factors as heat, drought, possible river flooding and lightning. The serious crime rate is above the national average.

圖森，亞利桑那州 ?
這座距離墨西哥僅 70 英里的城市內或附近有 40 多個高爾夫球場。亞利桑那大學提供了許多終身學習的機會，同時建立了一個強大的藝術/文化場景。周圍的索諾蘭沙漠和山脈提供遠足和其他戶外陸地活動。有豐富的醫生和良好的空氣質量。圖森海拔 2,600 英尺，非常適合騎自行車和步行。國家不對社會保障福利或遺產征稅。圣母大學將氣候變化風險列為低，但 FEMA 發現由于高溫、干旱、可能的河流洪水和閃電等因素，自然災害風險相對較高。嚴重犯罪率高于全國平均水平。


Walla Walla, Washington
The presence nearby of 120 wineries has helped spawn a vigorous fine dining scene in this quaint rural town 260 miles southeast of Seattle, and surrounding terrain is quite conducive for hiking and biking. There is a high ratio of doctors per capita, good air quality and a low serious crime rate. The city is very bikeable and somewhat walkable. Elevation is 950 feet. There is no state income tax, but Washington state does levy an estate tax. FEMA rates the natural hazard risk in Walla Walla as low.

華盛頓州沃拉沃拉
在西雅圖東南 260 英里的這個古樸的鄉村小鎮，附近有 120 家釀酒廠，營造出充滿活力的美食氛圍，周圍的地形非常適合遠足和騎自行車。人均醫生比例高，空氣質量好，嚴重犯罪率低。這座城市非常適合騎自行車，也適合步行。海拔為 950 英尺。沒有州所得稅，但華盛頓州征收遺產稅。 FEMA 將 Walla Walla 的自然災害風險評為低。
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