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I would like to live there for a while but have heard it's very over-rated and is pretty much like other places with just as much good and bad things going for it.

I've been hearing good things about Florida. I think lots of people are moving to Florida and Texas.

I never been but I haven't travelled much.

I have been thinking about going on vacation somewhere but there just thoughts at the moment.

I think living there would be prohibitive

Nope, i have never been to USA, so no Miami...