Las 5 mejores ciudades para que los jubilados vivan

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Por el financiero

En los últimos dos años, la revista International Living ha seleccionado a México como una de las cinco opciones para vivir después del retiro, basado en clima agradable, belleza natural, buena atención médica, estilo de vida saludable y asequibilidad.

El top cinco de las ciudades para que los jubilados vivan es Valladolid, en Yucatán; Cozumel, en Quintana Roo; Costalegre, en Jalisco; Guanajuato y Aguascalientes, de acuerdo con un análisis de Vivanuncios, portal inmobiliario de Ebay.

Valladolid, en Yucatán, goza de tranquilidad y seguridad. Destaca su belleza arquitectónica y colonial. Tiene una ubicación estratégica al ser el punto de encuentro entre Mérida y Cancún, Quintana Roo, así como de varias zonas arqueológicas.

En cuanto a propiedades, comprar una casa típica colonial en el centro de Valladolid tiene un costo promedio de 10 millones de pesos. No obstante, hay opciones modernas en los alrededores que van desde 700 mil pesos hasta los 4 millones de pesos.

Ser una isla del Caribe con las aguas más cristalinas del país hace de Cozumel una de las zonas más codiciadas para vivir.

Asimismo, pese al turismo y el crecimiento tecnológico que ha presentado, es una referencia importante para la cultura y las costumbres mayas, que suele apreciarse tanto en zonas arqueológicas como en la mezcla arquitectónica del lugar.

Es importante considerar que, al ser una zona altamente turística, los servicios públicos son un poco más elevados en el país. Sin embargo, tiene dos grandes ventajas ante otros destinos de la zona: es uno de los municipios más seguros del país, y la oferta de vivienda va desde los 800 mil pesos hasta los 5 millones y puede superar los 15 millones de pesos en zonas turísticas.

Jalisco cuenta con un sinfín de poblados ideales para el retiro. Entre estos se encuentra Ajijic, Puerto Vallarta y Costalegre, este último elegido por sus numerosas playas vírgenes y actividades ecoturísticas.

Costalegre se localiza en un litoral del Océano Pacífico entre el puerto de Manzanillo, Colima, y Puerto Vallarta.

Su popularidad entre las personas jubiladas proviene por el hecho de ser un poblado tranquilo con gran arraigo cultural típico del estado, lo cual se puede admirar a través de las fiestas patronales que tienen cabida todo el año.

Los precios promedios de esta región se encuentran en los 2 millones y medio de pesos.

Guanajuato es una de las ciudades más accesibles para vivir, aunque es muy difícil encontrar una propiedad en la zona tradicional a un precio inferior a 4 millones de pesos.

En esta ciudad sobresale la arquitectura que envuelve al recorrer alguno de sus callejones, parques, monumentos e incluso restaurantes.

Aguascalientes es una de las propuestas emergentes que promete una calidad de vida próspera a quien desee mudarse. Además de tener un clima templado agradable, brinda uno de los escenarios coloniales más singulares.

En cuanto a oferta de vivienda, los precios suelen ser variados, desde 500 mil pesos en la zona norte, hasta 4 millones de pesos en zonas residenciales.

Fuente original

Why Lake Chapala?

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By Rene Martinez | Amar Consulting

Lake Chapala is Mexico´s largest lake with a surface of 420 Sq Mi and home of approximately 20,000 Americans and Canadians ex-pats, a number that some estimate to double during the winter with the arrive of the snowbirds.

In this article we´ll review 2 of the main reasons of why this area and especially the north shore town of Ajijic is home of one of the large ex-pats community in the world.

  • Strong community

With thousands of ex-pats living in the area, its not uncommon to walk no more than a few blocks before encountering an English speaker person. The strong and well-establish community makes Lake Chapala a very common first option between newcomers who are looking for where they settle can rely on people with a common background and nationality.

It should be notice that the ex-pat community dates back to 1950, and since then, several organized groups have formed and play an active role in society, some of the most well-known and prominent are:

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The community is so well organized that there are even two newspapers and two magazines specifically design for English speakers:

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  • The Guadalajara International Airport

Located just 40 minutes drive north of Chapala, the Guadalajara International Airport it’s Mexico´s third airport in matter of connectivity as well as third-busiest just behind the Mexico City and Cancun Airports.

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The high number of Americans its thank to the already said high connectivity of the airport, however, it is surprising the presences of Canadians if we take in mind that currently, there are not direct flights to Canada.

Here are the direct flight routes that the Guadalajara Airport currently offers:

1.       Austin (TX) 13.    Oakland (CA)
2.       Atlanta (GA) 14.    Ontario (CA)
3.       Chicago (IL) 15.    Orlando (FL)
4.       Dallas (TX) 16.    Phoenix (AZ)
5.       Denver (CO) 17.    Portland (OR)
6.       Fresno (CA) 18.    Reno (NV)
7.       Houston (TX) 19.    Sacramento (CA)
8.       Las Vegas (NV) 20.    Salt Lake City (UT)
9.       Los Ángeles (CA) 21.    San Antonio (TX)
10.    Miami (FL) 22.    San Francisco (CA)
11.    Milwaukee (WI) 23.    San José (CA)
12.    Nueva York (NY) 24.    Seattle (WA)

 

Baby Boomers Will Drive Demand for Development as Senior Citizens

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By Holly Welles | Money & Markets

By the year 2040, it’s estimated the United States will need about 1.8 million more senior housing units to accommodate the growing number of senior citizens. That will mean that demand doubles over the next 20-plus years. The increase is expected to really take off after 2025 as baby boomers reach the 80-year mark, and then continue to age and need more housing options than are currently available.

1. Purchasing Power of Boomers

There are around 74.9 million baby boomers in the United States, making them and millennials two of the largest generations with enormous buying power. As a whole, the baby boomer generation spends the most money out of all categories, including housing. Their spending is expected to increase by 58 percent during the next 20 years.

Seniors not only have money to spend, but they are demanding more options for retirement living and they expect communities and viable options that feel like a home away from home.

2. Increased Development

Because of the rising demand for retirement living, real estate development in this area is on an upward trend. People are looking for options where they won’t have to move every few years. This includes centers that offer condo-like apartments, to assisted living, to nursing homes and full care.

In addition, changes to meet the medical demands of these patients must be considered. Existing facilities see the need to adapt what they have available and offer more complex, multifaceted solutions, which equates to remodeling projects. At the same time, new centers are being built that include everything from living quarters to medical care to restaurants and entertainment and community complexes. As baby boomers begin to plan for their futures, they should consider everything from financial stability to a sense of community.

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5 Things Expats Say About Moving Abroad That Will Surprise You

By International Living

When people tell you why they want to retire abroad, a few big reasons crop up again and again: the lower cost of living…escaping the worst of the North American winter…finding a more adventurous life…access to excellent, affordable healthcare. A new life overseas can reward expats in many ways.

Read on as five expats share why they left home and what they found in their new lives overseas.

I Turned a Financial Crisis into a Life of Adventure

I Turned a Financial Crisis into a Life of Adventure

“I never imagined that the brutal, financial knock-out punch my wife, Diane, and I absorbed back in 2008 would turn out to be the best thing that’s ever happened to us,” says Don Murray. “It gave us the push we needed to leave the U.S. and begin our new lives overseas.

“After significant research, we reckoned that Ecuador was the perfect place to begin our expat lives. It’s gentle people and low cost of living allowed our psychological and financial wounds to heal and permitted the time for us to assess our next chapters. It also provided the portal to an entirely new and adventure-filled expat life that has stretched us beyond our previous bounds.”

After two years, the Murrays moved to Mexico. Today, they live in the Rivera Maya, along Mexico’s Caribbean coast, and life is a whole lot different.

“We have two housekeepers who clean our multi-level beachfront condo, top to bottom, twice a week,” Murray adds. “We live steps from the warm, sparkling Caribbean Sea and a sugar-sand beach that comes at no extra charge. We regularly enjoy dinners at beachfront restaurants and travel extensively for no reason except curiosity and fun.

“Our move to Ecuador became the launching pad for an amazing life adventure. We make daily deposits into our experience account and our balance continues to grow. In fact, I dare say we have become wealthy in experience. And while there have been challenges along the way, I’d do it all again in a heartbeat.”

Moving Overseas Literally Saved My Life

Moving Overseas Literally Saved My Life

“Not only were the meds I needed easily available, but the low cost of healthcare literally saved my life,” says Texas native Roger Carter.

“What I really dig about my life now is that I am no longer stuck in a crowded and expensive city. I can enjoy retirement hanging out at the beach, with all the worries of overpriced healthcare far behind me.”

When Roger decided to retire overseas, he knew that he wanted to be on the coast for the fresh air and clean lifestyle. And in the coastal resort city of Sihanoukville, Cambodia, he found just that.

“I didn’t choose Cambodia—it chose me,” says Roger. “I researched some websites and emailed a few different hospitals. The feedback I got was unreal.”

In Southeast Asia today, you can access English-speaking doctors trained in Western hospitals—often without an appointment. Hospitals accredited by the Joint Commission International (the gold standard of healthcare accreditation) are common. A procedure that would cost you $18,000 or more in the U.S. will set you back $2,000 in Southeast Asia.

I Retired in My 30s

I Retired in My 30s

“Five years ago, my husband, Brian, and I decided to pull the pin and move from Ontario, Canada to Cotacachi, Ecuador,” says Janette Sullivan. “This is not all that uncommon except that we were 45 and 33 years old respectively.”

They bought a two-story, three-bedroom, three-bathroom house in a small development for $61,000. It was originally supposed to be a “five-year plan,” but after a few visits they thought, “Why wait?”

“Actually, it was receiving a property tax bill in the mail that really made me say ’why are we waiting?’” Janette says. “It didn’t take long after that to make the decision to quit our jobs, sell the house, and pack our four suitcases and two cats.

“People often ask how we can afford to retire so young. It’s surprising how much money you make when you sell everything. We made a long-term financial plan and taking into consideration the money that we made from selling everything, plus our savings, we determined that it was doable if we lived on a budget.

“We set ourselves a budget of $1,800 per month. With the overall cost of living here being much less than Canada, the money goes much further. We could never have afforded to retire and live in Canada at this age. We have yet to exceed our set budget in any given month.”

I Went on Vacation and Never Came Back

I Went on Vacation and Never Came Back

Max Davies, a retired San Francisco cop, has been living in Hua Hin, Thailand for about six years. At first, he was only visiting Thailand, cruising to the different beaches along the southern coast such as Khao Takiab and Cha-am and enjoying the fresh seafood, nightlife and relaxed day-to-day lifestyle. He had planned to go back to California and take up welding, but after a few weeks he could see that returning was an insane move.

The cost of living was a major factor in his decision to stay in Thailand. His retirement package is about $3,000 a month. It is a whopping sum for Max’s lifestyle.

“I never dreamed I could stop worrying about money day to day,” says the 53-year-old. “I do what I want, enjoy life, and money is just a tool I always have in my pocket.” He has no worries about scraping the bottom of his account in any situation or emergency.

We Realized That Money and Stuff Isn’t Important

We Realized That Money and Stuff Isn’t Important

“What I like most about my new life as an expat is that it has enabled me to reconnect with what is truly important,” says Mike Herron. “It should come as no surprise to anyone that what turns out to be important isn’t the big houses, the new cars, or all the possessions I spent so much time working to accumulate throughout my professional career.

“How did I ever lose touch with that? Was it all due to the rat race I left behind?

“In 2010, five years after my retirement, my wife and I took a hard look at everything. We were happy together but dissatisfied with what we saw ahead for us. The log-sided cabin we purchased in the mountains of Georgia in 2008 had lost half its value in the real estate recession.

“Health issues were eroding our pocket-books and our activities. We were losing faith in the future we had hoped to live. We started searching for options.”

The Herron’s looked to Ecuador and liked what they saw. After an exploratory trip, they put their house on the market.

“Four long years later we had received two offers, the second one even lower than the first. In late 2014 we made the decision not to let the diminished value stop us from moving forward, and we sold it at a $150,000 loss. We also sold our cars, all our furniture, and most of our worldly possessions.

In January 2015, they moved to the colonial highland of Cuenca, Ecuador,

“Now, three years later and with the advantage of hindsight, we realize that, other than getting married, it was the best decision we ever made,” Herron says. “Our lives have changed completely. We no longer spend the majority of our income on house, car, and medical payments. We don’t dread getting up in the morning to see what problems wait ahead. For the first time in a long time, we look forward to each new day and what it will bring.”

Original Source

Top 10 Benefits of Retiring in Mexico Now

By Mazatlan Post

Living by the beach is a dream for many people, but the costs associated with it can be terrifying at times. Purchasing a waterfront property and enjoying a high standard of life can be near to impossible in countries such as the U.S. or Canada.

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However, living in Mexico can be a very good solution to live better and balance your costs at the same time. Besides that, this country has plenty of other advantages that may convince you to leave your old lifestyle and retire to the beach.

#1 – There are literally thousands of options when it comes to buying property in Mexico – from very cheap to luxury, there are numerous homes and condos to choose from. You can actually purchase a property for under $50,000. something that you are less likely to find in the U.S. or Canada. Even though the prices of properties in Mexico have risen in the recent years, the houses here are still cheaper than in many other countries.

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#2 – Quality health care at affordable prices – it is a known fact that health care in Mexico is less expensive than in the U.S., but this does not mean that you will benefit from poor services. Actually, the health care system in Mexico is well-appointed, so you will be able to enjoy world-class health services at a fraction of the price. The Mexican medical system has recently been ranked on par with that of the U.S, but you will notice savings of up to 70% on medical services in this country.

#3 – Low cost of living – If you decide to live in Mexico, you will soon notice savings in about all your regular expenses, including utility bills, groceries, large-ticket purchases, group outings and more. You will be finally able to allow for some splurging every month, a thing that is quite impossible to do for many people who are retired in the U.S. or Canada.

 

#4 – An increasingly developing infrastructure – forget all about the wobbly buses you used to see in the movies. This is just an old stereotype in modern Mexico and even though there may be areas where you may feel like being on an adventure, the majority of the areas are now featuring modern shopping centers, new bridges, excellent roads, modern expressways and marinas, making life easy and convenient, just like in the U.S.

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#5 – Proximity to the beaches – Mexico is renowned for its impeccable beaches that stretch out for miles and miles. Even if you are not a beach person, this is still something worth considering, as you may rent your condo or home during peak season.

#6 – Perfect climate almost year-round – living in Mexico means that you will not face harsh winters. Not only is this pleasant for the day-by-day life, but it will also allow you to save plenty of money when it comes to heating bills. In some of the regions of Mexico, especially in the southern ones, you will not actually need to heat your home, regardless of the season.

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#7 – The warmth of the Mexican people – it may seem incredible to us that people can be so close together, be it because of family ties or simple friendships. The feeling that one belongs to a community is very intense in Mexico and this is why many people choose to retire there. There is actually nothing quite like the Mexican local celebrations, festivals, and fiestas, so if you love this kind of things, Mexico is the right place for you.

#8 – Living in a bilingual environment – even though the expat communities in Mexico are quite large and you don’t actually need to learn Spanish in order to live there, living in a country that does not have English as a principal language is a completely different experience. If you want to take full advantage of this opportunity and immerse completely in the Mexican culture, learning Spanish is something that you may actually enjoy.

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#9 – The feeling of a continuous vacation – this is something that many people wish for since their youth. Spending your retirement years in Mexico will most likely provide you with a sense of quietness that you haven’t experienced since childhood. If you are not sure about this, try to spend a few weeks in Mexico before making a decision and you will understand what this is all about.

#10 – Exquisite food – finally, you don’t need to be a fan of Mexican food to know that the delicacies of this cuisine are among the best in the word, which is another reason for which you will enjoy living in Mexico.

Fuente Original

Which Fund Share Class is Best for Retirement?

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By Jeffrey Rose | Investopedia

If you’re retired, your new job is to manage your money. One way to do your job well is to make sure you’re getting the best bang for your buck. Mutual funds are a popular investment choice. But like many choices, behind them lie yet even more choices: the different types of share classes, which are essentially reflect fee structures associated with the funds. These fee structures are usually pretty straightforward, although it can be difficult knowing which share class is right for your situation.

For the most part, when you’re working with commission-compensated advisor, like a financial planner or a stockbroker, you’re going to buy one of two share classes: A or C. There are others, but for the sake of this article, we’re going to focus on these most popular share classes.

Class A Shares

The class A share includes an up-front commission, otherwise known as a front-end load. Typically, if you’re a retiree who needs income immediately, this isn’t the best share class to buy. Class A shares have a high initial investment that’s required (as fees), so a large portion of the principal you invest will take a hit when you purchase the shares. These shares are best for those who can buy and hold the funds over a long period of time.

However, if you have alternative income sources other than your retirement accounts, class A shares might be a wise choice. Also bear in mind you often get discounts if all your money is with one mutual fund company.

Class C Shares

The class C share is in many ways the opposite of the class A share. The class C share typically lacks an up-front commission, but you have to hold it for at least one year, otherwise you’re going to have to pay a 1% surrender charge. Typically, as a retiree, this is the most attractive way to go so that you’re not locked into the investment for a long period of time. Additionally, you can also move to a different mutual fund company after that one year time has expired.

There is a downside to class C shares, though. While you won’t have the up-front commission, you will pay much higher internal fees, known as the expense ratio. This expense is typically at least 1% higher than you would pay with class A shares.

Which Share Class is Right for You?

While there are many factors to consider when choosing a mutual fund share class, how long you can keep your money in investments will probably be the primary determining factor. If you can buy and hold your mutual funds for long periods of time, consider class A shares. If you can’t, consider class C shares.

Alternatively, you may want to find a good fee-based money manager who can help you buy institutional share classes. Institutional share classes will have much lower expenses than both the class A or C shares. But remember that you’re also then going to have to pay the advisor his management fee, which could be around 1% of your assets under management per year.

The Bottom Line

A or C are the most popular mutual fund share classes. Take a few moments to consider the differences between the following share classes and then decide which one is right for you. Choose wisely, and you’re likely to save and make more money.

Orginal Source

 

Passports Required for Entry to Mexico

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By Mexperience

We occasionally receive emails from Americans and Canadians who are thinking about traveling to Mexico, asking whether they need a passport to enter the country.

In an era now long-past, it was possible for Americans and Canadians to visit Mexico (and return to the USA) with other forms of government-issued ID; the most commonly-used was a driving licence.  However, in March 2010 the rules concerning types of ID Americans and Canadians need to present to pass into Mexico by road and sea were tightened-up (they were tightened-up for air travel before then), and today a passport is the de facto document required for presentation at land and sea borders as well as airports.

Passport enforcement has come about as part of the ‘Western Hemisphere Travel Initiative’—WHTI.  The program requires all Americans and Canadians to present ‘a passport or other WHTI-approved document that denotes identity and citizenship’ when returning home to their countries. Americans and Canadians can find detailed information about the WHTI approved identity documents for travel on this website.

Americans have needed a WHTI approved hi-tech document (such as a machine-readable or bio-metric passport) for air travel to Mexico since January 23, 2007 and, according to the Mexican immigration authorities, since this date all visitors flying-in to Mexico from the USA and Canada have used a passport as their means of identification and entry.

Original Source