Mar132012

Strathmore Riverside Villas

Strathmore Riverside Villas and Imperial Place

Entrance to Strathmore Riverside Villas

In the top-rated retirement destination of Sarasota, Florida, we found some affordable attached single-story villas in a very attractive 55+ boating community known as the Strathmore Riverside Villas. The community consists of tidy villas with attached carports, a community clubhouse, heated pool, and well cared for common areas. Listing prices range from roomy one-bedroom units that start around $85,000 to some of the two-bedroom and waterfront units that are listed at $135,000.

 

 

 

Streathmore Villas

Street scene in Strathmore Villas

What makes these villas so attractive, besides the immaculate appearance of the complex, is location. They are about six miles from downtown Sarasota, just a few blocks from dozens of restaurants, one mile from Gulf Gate Mall, and only two miles from world-renowned Siesta Key Beach. Better yet, this canal- and river-facing community has boat docks available to residents on a first-come, first-served basis for $10-$15 per month. From their docks, boaters have direct access to the Gulf by way of Phillippi Creek and Roberts Bay, with just one fixed bridge.

 

 

Imperial Place condos, Sarasota Florida

Imperial Place condos

Just inside the entrance to Strathmore from Swift road is a pair of two-story condo buildings known as Imperial Place. Here you might find a two-bedroom condo apartment for under $100,000. While not part of the Strathmore Villas, these condos share the same optimal location.

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Nov012011

Finding a Cheap Place to Retire

How do you go about finding a cheap place to retire? It takes quite a bit of research and information gathering, and the best time to start is now – even if you haven’t retired yet.

Great sources include friends and relatives (particularly if they have found a cheap retirement place), a real estate agent you trust, chambers of commerce, government demographic websites and tourist bureaus.

If you are wondering about prices, there are some great websites that allow you to enter a location and see a map of home prices and sales. Three such sites are Realtor.com, Trulia.com and Zillow.com. These sites have mobile device apps as well. This process helps identify cheap places to live and retire.

If you want information about neighborhood demographics, both the US Census website and Bestplaces.net are great sources. You can find information about weather, housing, transportation, people, cost of living, school systems, water and air quality and much more.

Once you’ve narrowed your search to a small number of locations, go there and explore.  You’ll want to know about health care facilities, shopping centers, food outlets, as well as arts and cultural activities. How are the prices for services and commodities?

To keep spending to a minimum, look for locations near discount stores. Save more by looking for a home near public transportation routes.

Lastly, research taxes and insurance in your prospective location(s).  Real estate, sales and service taxes vary by state, even by locality. Some jurisdictions offer special tax breaks for retirees. Insurance is another important consideration. Home, car, health and dental insurance premiums vary greatly by location. For instance, home insurance is very expensive in places like Florida where natural disasters are more frequent.

When you finally are ready to purchase a home, be sure to enlist the aid of a real estate agent who understands and respects your financial objectives.

Happy hunting!

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Oct312011

Cheap Homes For Sale In Great Towns

Good Homes Under $50,000?

You can find cheap homes for sale all over the country; there are still great towns where you can find cheap homes for sale.  How do you find these towns? Look in areas where the population is slowly declining due to lack of jobs. Look in more rural areas where home development is conservative and where tourism in low or non-existent.

You must be careful to avoid areas where there is a rapid exodus of people and boarded up shops.  Make sure that the community governments are fiscally conservative but stable. Best of all, talk to the residents.

Manufacture home communities

Another great way to buy a cheap home for under $50,000 is to look at manufactured home communities. Avoiding the single-wide “trailer parks”, you can find many lovely communities with resale homes starting in the teens and rarely over $100K. We took a tour of central Florida manufactured home communities recently; you can read about them on our blog under Florida Manufactured Home Communities. Manufactured homes built in the last 2 decades are sturdy and have not suffered more damage in recent hurricanes than more expensive site built homes.

Make your retirement YOUR retirement

Think downsize – big time. So many retirees feel that they must retire in a home large enough to accommodate their visiting children and grandchildren.  Think about this for a minute; you pay for the home all year, the family visits maybe once or twice a year, and secretly, they might prefer to stay in a nearby hotel with privacy and amenities like a pool that you may not have.

Also consider that as you get older, it becomes more difficult to maintain a large free-standing home. One of the most tragic events occurs when one of you becomes seriously ill and must be institutionalized. Suddenly the home is a financial burden that you can no longer enjoy. Medical bills may force you to sell at a loss. Downsizing is a realistic strategy for retiring and makes it easier to find a cheap place to retire.

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Dec122010

Stretch Your Retirement Budget: Cook for Less with More Fruits and Vegetables

We all want to save money these days, especially in our retirement, and saving on meals you cook at home is an area filled with possibilities. Three methods come to mind when I think about saving money on groceries: preparing filling meals using whole grains, choosing less expensive sources of protein, and eating more fruits and vegetables. Cooking from scratch is an important part of all of these areas. This article talks about eating more fruits and vegetables—vegetarian meals.

If you are serious about stretching your grocery budget in your thrifty retirement, you have to be serious about preparing more vegetarian meals. This does not have to be an ominous prospect. It just means you need to fix a main dish that doesn’t contain meat. If you have been a meat-and-potatoes cook (or meat-and potatoes eater) all your life, it might mean a bigger adjustment for you. But most of us stopped eating like that years ago.

A 16-ounce T-bone steak for dinner simply makes no sense anymore. Red meat is expensive—really expensive. Few of us can afford the cost of beef on a regular basis, and even fewer of us need the fat, calories, and cholesterol of that much meat. These days, people are not out there chopping down trees for log cabins or plowing fields with horses. Because we are retired, many of us don’t even mow our own lawns anymore, or we use a riding mower if we do. We have no need for the quantity of calories, fat, and protein previous generations required. With well over half of Americans overweight or obese, cutting back on calories and cost at the same time is a notion well overdue.

read more about saving with fruits and vegetables

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Dec122010

Stretch Your Retirement Budget: Cook for Less with Thrifty Protein

Three areas come to mind when I think about saving money on groceries: preparing filling meals using whole grains, using less expensive sources of protein, and eating more fruits and vegetables. Cooking from scratch is an important part of all of these areas. Preprocessed, prepackaged food is expensive and contains unhealthy chemicals and preservatives. This article talks about choosing sources of protein that are less expensive than meat.

When protein-rich food sources are mentioned, most people automatically think of meat, and usually red meat. Meat is a great protein food, of course, but it’s also usually the most expensive food on our grocery list. Ground beef can cost $2-$3 per pound and prices for other meats go up from there. Steaks and premium beef roasts can be $10-$15 per pound or more. Pork chops and roasts cost about the same as beef, and lamb is even higher. Poultry is a more economical choice for your thrifty retirement. You can buy whole chickens on sale for around a dollar a pound, and turkeys, either whole or as individual parts, are available for around $2 per pound.

As we try to stretch our retirement dollars, finding less expensive sources of protein should be among our top priorities. A quick search online will show you the best alternatives: beans, eggs, and cheeses. Nuts, especially walnuts and almonds, offer protein as well, but it’s harder to work substantial amounts of those into a meal. Happily, a peanut butter sandwich on whole grain bread is a great lunch!

read more about cooking for less with protein

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Dec122010

Stretch Your Retirement Budget: Cook for Less with Whole Grains

These days, we are all trying to save a few pennies (or a few dollars) in our budgets. Your grocery budget might be one place you have targeted for savings in your thrifty retirement. By this time in your life, you probably are already well aware of how to save on food costs, but a few reminders never hurt. Three areas come to mind when I think about saving money on groceries: preparing filling meals using whole grains, choosing less expensive sources of protein, and eating more fruits and vegetables. Cooking from scratch is an important part of all of these areas. This article talks about using whole grain foods.

Remember the inexpensive foods your parents used to depend on when you were a child? Today, those foods offer savings that are as good as they were for your mom. Pasta is a classic. Back before macaroni and powdered “cheese” came in a blue box, we made our own versions of this favorite from scratch. My mom’s recipe was simple: elbow macaroni and Velveeta cheese with a bit of milk. And she made it on top of the stove, not in the oven. If that sounds a little bland to you, add whatever you like to spice it up: dried powdered mustard, Worcestershire sauce, diced green pepper, halved cherry tomatoes, or diced ham.

Although our moms didn’t have whole grain pasta, today we can cook with this alternative to make meals that are more filling and more nutritious. Spaghetti is cheap and satisfying. It’s even less expensive if you skip the commercial canned sauce and make your own in your thrifty retirement. You can combine canned tomatoes, oregano, basil, and parmesan cheese and let it simmer on the stove until it gets thick. Or you can just use diced canned tomatoes for a fresher, lighter option. Toss plain penne or spiral pasta with olive oil, garlic, and baby spinach (even more economical if you grow your own) for a healthy alternative.

read more about cooking with whole grains

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Sep122010

Old Colonials, Modern Condos & Countryside Living at Bargain Prices

Cuenca hit the top spot in International Living’s Retirement Index in February this year. To anyone familiar with the city, it didn’t come as a surprise. Cuenca combines perfect weather, and a low cost of living, in an artistic and cultural center. Best of all, property prices are highly affordable. If you want a colonial home…a comfy redbrick condo with mountain views…or your own farm…for a fraction of what you’d pay back home: read on.

With an elevation of 8300 feet, Cuenca sits in a fertile valley in Ecuador’s southern highlands, washed by four rivers and surrounded by mountain peaks. Like the rest of the Ecuadorian Andes, Cuenca enjoys spring-like weather all year, with warm sunny days and cool evenings.

It’s possible for a couple to live well here on $1500 a month, including rent, utilities, running a car, and having a twice-weekly maid. Eating out costs less here, too. A delicious lunch of organic salad, quiche, a large glass of fresh juice and brownie and ice-cream dessert, came to just under $8. Lunches averaged $5 a head, and dinner never cost me more than $15 a head.

more retire cheap in Ecuador

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Aug012010

Maple Leaf Golf & Country Club

Maple Leaf Golf & Country Club

Maple Leaf

While visiting Southwest Florida in April 2010, we stopped by the Maple Leaf Golf and Country Club, a large (285 acres) manufactured home community located at 2100 Kings Highway  in the NE corner of Port Charlotte. Although many residents are U.S. citizens, this community is equally popular with snowbirds from Canada, as the name suggests. How many Florida communities do you know that celebrate Klondike Night?

Maple Leaf is resident-owned (not-for-profit corporation) and governed by an elected Board of Directors. It’s centerpiece is an 18-hole, 4,000 yard executive golf course (par 62). Other amenities run the gamut from tennis to horseshoes. For nature lovers, bird watching is excellent; Maple Leaf is designated as an Audubon Wildlife Preserve.  Maple Leaf has four heated pools, a fitness center, three clubhouses, 12 stocked lakes, and an excellent location close to shopping and services and just 1/2 mile from I-75. Fort Myers is a short drive to the south and Sarasota and Tampa are a couple hours away to the north.

There are 1112 home sites with a hundred or so lots and homes for sale at any given time. Prices run from $40,000 for a lot with equity certificate to $250,000 for one of the luxury homes on the golf course and water. Most of the homes are quite new, and price is partly a reflection of location. For more information, visit their website.

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May242010

The Mighty, Reusable Peanut Butter Jar

Storage is an issue for almost everyone. Some people earn a living by helping others learn how to store everything they have. This article concentrates on the small things, especially in the kitchen. How to store small bits of leftovers can be a puzzle.

Many people toss leftover food because they don’t know how to store it or they just don’t want to mess with it. How wasteful! Maybe they don’t own storage containers. Or maybe they have lots of containers, but they are all stuffed in the back of a cupboard. Lid? Who knows where the lid is? Did that ever have a lid?

Plastic storage containers are available in endless sizes, shapes, and styles. Most seem to be flat; that is, wide and shallow. Some are a bit taller, either round or square, and have proportions sort of like a cube. The down side of such containers is the amount of space they take up in your fridge or cupboard. Even if they are clear, the plastic is cloudy and not much surface area is exposed. It’s difficult to tell what is inside, especially if you stack the containers to save space. Without picking it up or finding what you wrote on the lid (yes, you can write on the lid), the contents remain a mystery.
enter the reusable peanut butter jar

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May232010

Homes of Fountainview

Homes of Fountainview, Tampa, FL

Homes of Fountainview

(July 2009) The Homes of Fountainview manufactured home community offers a lot of activities, and social life is well organized. The public facilities are robust, and amenities plentiful. A land lease fee of $404 per month does not include lawn mowing and landscaping of the lots. The appearance of homes varied widely from untidy single-wides to new luxury double-wides. The in town Tampa location is closer to the airport, cruise terminals and other city amenities than the communities in Pinellas County.

There are new and resale homes for sale ranging from under $10,000 to $110,000. For more information, visit Homes of Fountainview, or contact Debbie Pfeffer at 800-793-0548

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