Retirement Villages

 RETIREMENT  VILLAGES are becoming more all the rage nowadays with the amount of baby boomers retiring. It is imperative to distinguish between a few terms applied to this model

Wikipedia describes a retirement habitat as a multi-residence housing facility that is planned for older people. The normal guide situation is that every person or couple in the house has an apartment-style room or suite of rooms. And extra facilities are provided within the building. Often times this includes services for meals, gathering, exercise, and some form of health or hospice care. The level of care these facilities varies a lot. Space in retirement homes can be paid for on a rental basis, like an apartment, or can be bought in perpetuity on the same basis in the same way as a condominium.

Fundamentally, a retirement home differs from a nursing residence first and foremost in the level of medical care provided. On the other hand, retirement villages and retirement communities, not like retirement homes, offer separate and autonomous homes for residents and more.

A retirement community or retirement villages, is an  broad, generic term that covers many varieties of housing for retirees and seniors.  They are especially designed or geared for people who no longer work,or restricted to those over a certain age. A retirement Village differs from a retirement home that is often a single building or small complex where no "common areas" for socializing exist.

The majority of retirement villages are planned for that purpose, and have particular conveniences catering to the wishes and desires of retirees, including widespread services like clubhouses, swimming pools, arts and crafts, boating, trails, golf courses, active adult retail and on-site medical services.

Other facilities include no or incredibly few common amenities. An Age-restricted community in general requires at least one household resident to be 55 plus years of age or older (occasionally 50+ or 60+ years of age).

There are really three general categories of retirement communities

    1.  ACTIVE communities (the whole residential units, no long-term healthcare facilities - also known as "independent living communities"

    2.  ACTIVE/SUPPORTIVE communities (a combination of residential and healthcare facilities - also known as "continuing care retirement communities" - CCRC)

    3.  SUPPORTIVE communities (all long term healthcare units, approximating assisted living facilities or nursing homes)

Because more and more healthier and younger people are retiring in our time the central focus I believe is on the active communities or independent living.

Retirement Villages are regularly built in warm climates, and are common in the majority of countries.  

A number of publishers have created lists of the 100 best retirement communities or 100 top places (or towns) to retire. Nonetheless, these lists are not comprehensive and habitually obsolete.  Also, a lot of of these lists are focused on particular Retirement Villages in their prospective countries.  Furthermore, allot of these retirement villages are focused towards high income earners (the elderly and the rich).

Numerous countries are experiencing the same phenomena with the elderly now.  Take for instance, New Zealand with about half a million people over the age of 65 in a 2001 census.  I would picture today in 2010 there are like over a million people above the age of 65.  Add this number to worldwide consensus and you have an enormous amount of people in this age group.  This is largely due to the baby boomer age and healthy lifestyles.

The increase in retirement villages as an accommodation
Standard of living and care option is indisputably a reaction to this shifting demographic profile. The village component is without a doubt a quest for an alternative to old age homes of the past.
Community and affordable lodging within elements of precautions rank substantially amongst people's aspirations.

For instance in the United Kingdom retirement villages are becoming more and more widespread.  According to a recent BBC report (Aug 2009) there are give or take a few 25,000 people across the UK at present living within a retirement village model

Nurses, caregivers and visiting doctors are an vital ingredient of various village operations, while community centers, bowling greens, a swimming pool and billiard tables are a customary recreational feature.

I have done some extensive travel looking for a decent location for me to retire.  My main concern was regarding expenses as I have a small pension to live on.  Initially, I was interersted in the locale around Lake Chapala situated 45 km southeast of Guadalajara, Mexico.  Ideal weather and great culture but since of the influx of foreigners the cost to live there is roughly the equal as it is my own country.  I passed on this option.

After you understand the regulations of the rules of navigating through the bureaucratic maze so as to establish a business, the Philippines provides tremendous investment possibilities even for those with modest invesment capital. The Philippine banking system is not in place regarding offering any kind of start up funding, even for its own people, including to entrepreneurial foreigners. Consequently, cash is king, and investment capital gets a great deal of consideration and opens the doors to lots of business possibilities.

The problem amid this is that with this exposure to so many options, you can get yourself into a terrible investment.  This can come about out of new born excitement to possess your own business, or because of trying to lend a hand to their girlfriend or wife's family. Yet,  Lots of foreigners who want to make investments in the Philippines have had modest or no prior experience with owning a business.

Foreigners are known to invest money in the Philippines without considering all the details of operating a business. Too often than not what follows is they seem to burn up a good deal of their financial savings and fail terribly.

If you don't have business experience, especially in the business you want to start, I recommend you wait at least one year and get to know the "lay of the land," you should put your business venture on hold for at least 1 year to give you sufficient time to recognize the negative aspects involved. Take your time, and you could find what I have found and many others found out, that the greatest business is a Passive investment.  The key here is patience and you can just find that a passive income is your best option.

It's in agriculture if the investment is correctly structured plus you're specializing in export oriented crops.  You might be surprised to know that the 1 top investment in the Philippines is crop growing.  This is particularly true if the investment opportunity is appropriately structured and you are focusing in oriental crops.  A prime case in point is the Pili nut, that is now getting increased government interest and support. Not like a condo or condotel, where you merely own the space between the walls, with agriculture you possess the land. 

Allot people are lured by the money that can be earned in real estate.  Owning land is much different from owning a condo or condotel where you only own space between the walls. Condos and condotels are in a bubble market in Manila, Makati, Ortigas and Fort Bonifacio areas, also they need tremendous increased valuations in the future to realize any kind of sufficient return on your investment. An agriculture investment is not based on future valuation increases.  It can be valued on its annual cash yield. Your return on investment is not dependent upon future land valuations.   Nevertheless, the answer with an agricultural investment is to be familiar with what land, where, what crops, who is going to supervise it, and how, as a foreigner, could you possible own land in the Philippines. However, success with investing in agriculture is to know where and what crops to produce and who is going to run it.  Addition, you will want to know how foreigners can own the land they would like to utilize All of these queries and issues are currently being addressed by a very special group of experienced foreign businessmen.  These foreigner entrepreneurs are about to launch agricultural ventures involved with the Pili nut export business.  This venture will happen in Romblon Province close to Boracay.

Do you want to learn more about agricultural investments in the Philippines?. You're lucky because I've just finished writing my new book on investing Philippines entitled How To Make MONEY IN THE PHILIPPINES.  One chapter in my book addresses passive income opportunities that involves information on agriculture as well as the way you can be successful with investing in agriculture in the Philippines.

Will Irwin is a powerful entrepreneur, businessman and life coach. Irwin has built numerous businesses both on and off the Internet in the Philippines and the US.  He resides in Hawaii and the Philippines.

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Another resources for information on agriculture investment opportunities can be found  at the University of the Philippines Los Baños and the Department of Tourism.

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