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 Note: Well, you heard the Subramanians,​ they'​ve settled into a wonderful new life in a warm new city. What do you think about Coimbatore as a city to live your retired life in? Where would you like to retire and why? Give us your ideas for our list of best Indian cities for retirement by posting your ideas here. Note: Well, you heard the Subramanians,​ they'​ve settled into a wonderful new life in a warm new city. What do you think about Coimbatore as a city to live your retired life in? Where would you like to retire and why? Give us your ideas for our list of best Indian cities for retirement by posting your ideas here.
  
 +====== Retire Next Year #9: Health and Medical Care in Retirement ======
 +In today'​s essay, we want to discuss the level of medical care you should aim for wherever you choose to live in India or abroad. It's something that should be a great concern for anyone upwards of 45 nowadays. As any setback in your health can put you back by a couple of lac rupees in today'​s times. ​
  
 +
 +Myths about Health Care in India
 +
 +Many people believe that India has substandard medical care as compared to the rest of the world. Many tourists are afraid to travel because they fear getting injured or sick here. People who have gotten sick or injured, rush home so they can get, what they believe, is better treatment. ​
 +
 +But Indians living in Singapore and Dubai, when they need medical treatment, fly back to India where they can get it done cheaper, faster, and - according to them - better. ​
 +
 +There are certain medical problems that Indian hospitals are especially good at treating. In fact, India is increasingly becoming known for its health tourism. And it is almost always significantly cheaper. For instance, a private nurse in Singapore can easily cost 100 Singapore dollars per day but in India an equally qualified nurse might cost just between Rs. 800-1200 for a 12-hour shift, depending on the needs of the patient. ​
 +
 +Here are a few examples of what we're talking about... ​
 +
 +While visiting Chennai, Rakesh Mehra, a retired IT professional based in San Jose, saw an eye doctor. He liked the doctor and the modern facility so much he decided to have laser surgery there. He estimates he saved up to 50% by having it done in Chennai, instead of back in the States. ​
 +
 +A visit to a dentist for an annual check-up is never a pleasant experience. But in India, it is. The staff is friendly, professional,​ and genuinely happy to see you. Trained with degrees from across the world, dentists today have state-of-the-art clinics with reclining seats, flat-screen TVs and X-ray machines that can get you a diagnosis instantly. ​
 +
 +A dental check-up in India can cost between Rs. 1000-1500. If you include a cleaning, it is an additional Rs. 1500. In the U.S. or any other country, you would be paying two-four times more at the minimum. ​
 +
 +"Since my husband needed cornea transplants,​ our first priority in Mumbai was to find a cornea specialist,"​ says Uma Raheja, a retiree who moved to India recently. "A visit to the specialist costed us Rs. 2,000. Compare that to our visits with an eye doctor in Houston: $200-450. And the appointment takes much longer in Houston."​ Uma feels her surgeon in India is equal in skill to the U.S. doctor. ​
 +
 +Health care costs are undoubtedly lower in any part of India than in other countries. Despite all the medical scams, India still delivers considerably well on several grounds, like affordable medication and technical know-how. ​
 +
 +And the care in private hospitals particularly is considered top-notch. It is more personal than in other countries and doctors also make house calls. ​
 +
 +Prevention is Better Than Cure
 +
 +But what are all the must-haves to ensure you get the right services at the right time... and that you don't lose all your money in your golden years to hospitals? ​
 +
 +Here is a quick check-list of what to keep in mind: 
 +
 +Find an insurance plan that works for you 
 +
 +India has many good health insurance policies. And the sooner you get hold of one, the better. If you have started using health insurance prior to the age of 61 years, the hassles of acquiring it are fewer. Several insurance companies organise annual health check-ups, have an auto-renewal facility and sometimes like in the case of Religare Health Insurance also pay for a day-long treatment in a hospital, in addition to their other benefits. But do go through the plans closely with your insurance agent and understand exactly which costs are taken care of and which are not. But do compare plans before you settle for one. 
 +
 +Build a rapport with a local doctor ​
 +
 +Earlier, people had family doctors and many still do. But what works well is to find a general practitioner in your neighbourhood who can help you with small issues that don't need a specialist. This way you won't get worried about every cold and fever. GPs are generally cheaper in their fee structure and are very useful in emergencies too. You can also consult them for good surgeons and specialists when needed. ​
 +
 +Get regular check-ups ​
 +
 +It's a good habit to regularly go for check-ups and recommended blood tests or any other tests that you need if you suffer from any ailments. If smaller issues are taken care of in time, it will prevent any further escalation of the health issue. Many private clinics also conduct free health camps that you can avail of. 
 +
 +Lead a healthy lifestyle ​
 +
 +And of course, exercise regularly, go for walks, do light weights in the gym to build your bone density, eat a balanced diet, in moderation and at regular intervals. Get enough hours of sleep, keep your mind alert and remain social to avoid spells of loneliness.
 +
 +Quality of the Care in India
 +
 +In the bigger cities in India, you'll find hospitals with state-of-the-art equipment. You'll also find specialists in all fields and physicians with private clinics. Many trained abroad. Generic medicines are widely available and much cheaper than anywhere in the world. So are brand-name medicines. ​
 +
 +Hospitals are top quality, and health care providers trained well. Doctors make house calls in some towns and cities, and most speak English. ​
 +
 +You'll have no trouble finding a chemist in big cities. The chemists are usually knowledgeable and helpful. You can also get medicines available in the U.S. and Europe often without a prescription. ​
 +
 +Outside of the major metropolitan areas, clinics offer basic services. When you need more care, you will need to travel to larger facilities in nearby cities. One disadvantage is the lengthy waiting periods for appointments in most clinics and hospitals. And sometimes the lack of rooms and vacant beds. 
 +
 +Something that we don't discuss conventionally is the use of homeopathic care. India has a booming natural remedy industry. You may dispute the healing powers of homeopathic remedies, but there is no denying that natural herbs, cheap massages, and tons of fresh fruit and vegetables are good for your mind and body.
 +
 +Chemists in India are plentiful. You'll find pharmacies associated with private clinics, located in or near hospitals, and inside supermarkets. ​
 +
 +Brokers (agents) normally sell private health insurance in India-and reasonably priced. These brokers act as middlemen between the customer and the insurer. They are not usually loyal to just one insurance company, so they can quote you a variety of options and rates. ​
 +
 +A large percent of international tourists come specifically to take advantage of the country'​s private medical services, mostly eye surgery and dental care. The reason, of course, is cost. 
 +
 +Private health care costs are about a third of what you'd pay anywhere else in the world. Medicines are also much less expensive. And prescriptions are often unnecessary. Dental work, too, is at a much lower cost than elsewhere. ​
 +
 +There are plenty of public hospitals and free clinics in India, and they provide adequate care. But there are some problems. Waiting rooms are crowded. Not all of them accept credit cards. Not all of them will accept your insurance. Not all of them can handle your particular medical needs.
 +
 +Don't Let Health Care Prevent Your Retirement
 +
 +Health care is an important part of retirement but one you needn'​t worry about if you take necessary steps. No matter where you live in India or in the world, ticking off certain checklists always helps in keeping you in good health, both physically and financially. ​
 +
 +Health care in India is cheaper and better than most places. It is also more personal, and there are a ton of options. Of course they can confuse you and there are many drawbacks, but start researching on the subject now, so that you can adequately equip yourself for your golden years.
 +
 +====== Best Retirement Cities in India: Dehradun - Not just The Doon ======
 +
 +It's a place that is home to the famous Doon School. But we think the place has a lot more to offer to everyone, not just the Doscos (students of the Doon school). ​
 +
 +When we asked the Wealth Builders Club members what their dream retirement destination was, Jai said, "My dream destination for retirement would be in a serene locale, full of greenery and no pollution whatsoever somewhere in Tamil Nadu, Kerala or Uttarakhand." ​
 +
 +The capital of the state of Uttarakhand,​ Dehradun is just such a place. A much sought-after destination for tourists and retirees alike, Dehradun is a place that goes beyond its association with the legendary school; it could very well pass off as a retiree'​s haven. ​
 +
 +This quaint place nicknamed the Doon Valley, is endowed with scenic natural beauty, great weather - most of the time - and a host of industries that retirees could contribute to in their spare time.
 +
 +This is why Dehradun is number two on our list of retirement destinations. ​
 +
 +Dehradun could be ‘the'​ place for retired intelligent people. Its landscape is dotted by a host of famous educational institutes, publishing services and has recently also attracted many from the Information Technology sector. ​
 +
 +Prayers, holidays and other forces of nature
 +
 +Located on the banks of the Ganga, it is well-connected and in proximity to several destinations such as Rishikesh and Haridwar. For non-religious travel, Mussoorie and Nainital are popular travel destinations close by. 
 +
 +Dehradun has also been home to several defence institutions,​ thus seeing a large community of retirees from the forces also retiring here. Needless to say, where defence personnel live, you can expect great security and a clean environment... making it even more alluring for senior citizens.
 +
 +Power, water supply and more 
 +
 +The city is home to the Oil and Natural Gas Corporation (ONGC), Indian Industry of Petroleum and several other educational institutions,​ such as the Doon School, University of Petroleum and Energy and Law College, Dehradun. ​
 +
 +For those who like to be close to the youth, learn and give more through education or consulting, this could be an ideal place to do that.
 +
 +Dehradun is not only home to these power companies but also has unlimited water supply on a regular basis. Infrastructure can play an important role in your years of retirement - in your second phase of life, meant for relaxing and taking time off, the last thing you want to worry about are power cuts and rationing water. ​
 +
 +New-age retirement communities
 +
 +Additionally,​ the city is making a conscious effort to build the retirement community and make them feel more welcome and secure. A new luxury community called Antara is under construction which promises everything you can imagine you would ever need in that phase of your life - from pursuing your hobbies to joint activities with other retirees.  ​
 +
 +If you're not interested in a retirement home, housing options range anywhere from Rs. 8,000 - Rs. 30,000 to rent. If you choose to buy a property, apartments and houses go for around Rs. 20 lacs to 1 crore depending on the size and area. To find more retirement home options, check out India Property.
 +
 +Seasons, rainfall and connectivity ​
 +
 +Weather is pleasant most of the year round, besides the winter months, when it's biting cold but still manageable. Being a city that gets plenty of rainfall, one may also witness some dull days of staying indoors. ​
 +
 +The risk of landslides is also prevalent, but being close to nature you're bound to feel some of its fury. 
 +
 +The city is well-connected,​ with daily flights from Delhi to Dehradun and some flights to and from Lucknow. The airport named Jolly Grant airport is located 25 km from the city. 
 +
 +By rail, it is connected to all the major cities in India. ​
 +
 +As "small town" as it may seem, Dehradun has several modern features like cinemas and one of India'​s first indoor ice skating rinks. ​
 +
 +But modernisation has not taken away its old-school charm... people are still very much among nature and lead peaceful, quiet lives. ​
 +
 +We spoke to Ambika Bandhari who grew up in Dehradun and whose parents now lead a quiet peaceful retirement there. Ambika manages to meet her parents at least once every month. ​
 +
 +She believes Dehradun is the place she will retire to when the time is right. Ambika is comfortable seeing her parents grow old in Dehradun and is fairly confident of its amenities. And this first-hand account from her will help you get greater insight on the place. ​
 +
 +
 +Here's what she had to say...
 +
 +Growing up without malls 
 +
 +I was born and brought up in Dehradun. The city has its own charm. It's a well-educated city whose denizens believe in the philosophy of ‘simple living, high thinking'​. ​
 +
 +My childhood there was amazing and I feel privileged compared to my metropolitan counterparts because even though we didn't have malls and McDonalds, this small town gave us so much more! 
 +
 +Living with nature ​
 +
 +We cycled to school, walked to the market, climbed trees in our own orchards, plucked litchis, mangoes and plums from the trees. We saw vegetables grow from tiny seed into big plants, we smelled the fragrance of different types of flowers in different seasons and heard the chirping of birds and squirrels. ​
 +
 +Dehradun is a place where you can observe nature very closely and create unforgettable memories. ​
 +
 +Retiring in Dehradun ​
 +
 +Dehradun is a peaceful town with small-town charm and scenic beauty. There is greenery all around. The small town is also easy to navigate. ​
 +
 +Doon Valley, as it's called, is '​heaven on earth'​... it's a great place for people to retire. Once you are in the city, you will find yourself in the lap of nature. ​
 +
 +Finding facilities easily
 +
 +Dehradun has big-city amenities like an airport, malls and hospitals. Jolly Grant Hospital, Indresh Hospital and AIIMS in Rishikesh, an hour's distance from Dehradun, are some of the good ones.
 +
 +In the recent past, medical facilities have improved with the addition of Max Hospital in Rajpur near DIT and Fortis Escort Hospital in Curzon Road. 
 +
 +Coexisting in peace
 +
 +The gentry here are peaceful and will always lend a helping hand. The retirees largely consist of retired army officers, IAS officers and bankers. ​
 +
 +People have houses with small lawns and kitchen gardens. Gardening is one passion of the people of this place. ​
 +
 +I would simply describe Dehradun in one word - beautiful - and my parents love it.
 +
 +There you have it, ladies and gentlemen! Retirement at its finest. We hope this article helped you make a decision. If not, stay tuned, we have more destinations coming soon! 
 +
 +If you want to tell us about your dream destination in India, please join the conversation here.
 +
 +====== Best Retirement Cities in India: Nashik - Kumbh Mela, Wine Parks and Booming Real Estate ======
 +
 +A place that can successfully accommodate lacs of devotees every 12 years for the mega Hindu festival Kumbh Mela can definitely take care of not only its residents, but also retirees. ​
 +
 +What's more, Nashik has an abundance of activities that can keep people of all ages occupied. It's famous for its abundant wineries, vast farms, ancient shrines, upcoming malls and a booming real estate business that is attracting several urban dwellers. ​
 +
 +Villas, climate and agriculture ​
 +
 +A common factor for retirees when moving, is to ensure that they live close to their children. Its close proximity to Pune and Mumbai makes Nashik an emerging choice for senior citizens from these two cities. Additionally,​ it has magnificent and affordable villas that make it alluring for those previously living in cramped apartments. ​
 +
 +Blogger and photographer,​ Tarun Chandel, in a blog on Nashik, says: 
 +
 +Beautiful old villas can be seen at regular intervals. The human being in me tells me that I should live a life in such a place. The business analyst in me is telling me that the realty market is going to hot up in this place... Nashik sure has some really beautiful villas with big and spacious living space and even bigger gardens around the place. If you want to live a lavish life at such a villa and have beautiful surroundings you should be in Nashik. You can get a villa for less than what you will pay for an apartment in Mumbai.
 +
 +Situated in northern Maharashtra,​ Nashik is known for its pleasant and cool climate and the much-revered Godavari River. The area is covered in black soil -- ideal for a thriving agricultural industry. ​
 +
 +Backwaters and fields in Nashik
 +Backwaters and fields in Nashik
 +Source: By Virajnene95 (Own work) [CC BY-SA 4.0], via Wikimedia Commons
 +
 +Temperatures range between 35-27o Celsius in summer and 35-14o Celsius in winter. Cool breeze, green fields, and its spiritual, historical and social significance see several tourists flock to Nashik from Mumbai for short getaways. ​
 +
 +Legends, temples and visionaries ​
 +
 +Nashik abounds in legends. In the Ramayana, Nashik is the place where Lord Rama and Lakshman were exiled for 14 years. It is also the place Lakshman allegedly killed Surpanakha (Ravana'​s sister) by cutting of her nose. Legend has it that Nashik got its name from the very incident - as "​nasika"​ means nose in Sanskrit. ​
 +
 +There is another reason for its popularity - The Godavari river originates from Trimbakeshwar,​ 28 km away Nashik where one of the 12 jyotirlingas of Shiva is located. Several devout Hindus believe that one will gain instant nirvana after visiting this shrine. ​
 +
 +Nashik was also home to many illustrious personalities like Veer Sawarkar, Anant Kanhere, Rev. Tilak, Dadasaheb Potnis, Babubhai Rathi, V.V. Shirwadkar and Vasant Kanetkar to name a few. 
 +
 +Wine, festivals and malls 
 +
 +In recent times, Nashik has also become famous for its vineyards. Popular wine brands like Sula, Grover and Chateau D'Ori are based here and churn out some of India'​s best wines. They also offer wine tours and have tasting rooms that are frequented by wine connoisseurs from across India. ​
 +
 +The Kumbh Mela - considered one of the largest religious gatherings on Earth - takes place every 12 years in Nashik. It is a historic time for the city, as it gets ready to accommodate and assist devotees in the sacred ritual of dipping in the holy waters of the River Godavari. ​
 +
 +Nashik is also seeing an influx of property investors, who are moving here to take advantage of the real estate boom. Several developers have plans of starting malls and cineplexes, while the regular investor is seeing it as an opportunity to acquire property both as a second home for investment and for retirement. ​
 +
 +Communities,​ property and housing ​
 +
 +As the retired population evolves one sees a growing need for them to live away from home and away from children so as to age in peace and without being a "​burden"​ to their offspring. This has given rise to a whole new breed of retirement communities that bring together senior citizens and provide adequate housing and amenities for their retirement. Several builders in Nashik too, are putting a focus on similar constructions. ​
 +
 +Newer and newer developments are emerging on the property market in Nashik. Projects such as Suyojit Covai Senior Living, Aaryavarta and an upcoming project by Vedaanta Senior Living cater particularly to retirees. ​
 +
 +However, if you do not wish to invest in a retirement community, there is always the option of buying or renting property at a reasonable rate - rent will cost you around Rs 15,000 to Rs 35,000 depending on the size, and buying a place will set you back by around Rs 13 to 60 lac depending on the size and amenities of the development. ​
 +
 +Language, food and cleanliness ​
 +
 +The language is predominantly Hindi, Marathi and English. It is fairly easy to communicate with locals and navigate your way around the city. The nearest metropolitan city is Mumbai, which is easily accessible by train or bus. 
 +
 +The city's recent constructions include a mandatory rainwater harvesting system. It is also famous for being a ‘garbage dump free' city where garbage is collected in vehicles known as "​ghantagadis"​ (literal translation - car with a bell). The garbage is then transported to a plant to get processed and turned into compost. ​
 +
 +Nashik is also known for its lush green farms, fresh air and food. Being an agricultural place due to the richness of the soil, one will find plenty of fresh grapes, onions, tomatoes, wheat, paddy and sugar. ​
 +
 +Additionally,​ medical facilities include hospitals like Wockhardt, Apollo, Six Sigma Medicare and a government run civil hospital. So if you have any concerns about healthcare, the city has all the provisions for them. 
 +
 +With all this abundance -- good climate, lush greenery, blending of the past with the present, spacious living options combined with medical facilities -- Nashik then is a wonderful option for those wanting to retire to a peaceful home away from home. 
 +
 +We spoke to two couples who had moved from Gujarat and Mumbai to experience the peace and calm of Nashik in their retirement. Here's what they feel about the place: ​
 +
 +Shahs from Mumbai: "​It'​s scenic, peaceful and it offers a good quality of life. We wanted to move away from all the hustling and bustling and retire at a peaceful place. Nashik is well-planned and developed...We converse mostly in Marathi and have had no trouble adjusting as people here are warm and friendly...Nashik is tranquil." ​
 +
 +Patels from Gujarat: "​Nashik is pleasant, has a cool climate and picturesque surroundings. It's very green compare to where I was living...I'​ve invested in property because it's growing and also live in the same... I currently live on pension but will soon find an extra income source. ​
 +
 +I came here to lead a peaceful life and grow spiritually. We are adjusting to the new relaxed lifestyle post-retirement... It's been good so far - people are friendly. Medical facilities are a call away and transportation is good. I am very happy and at peace with myself. I usually spend time practising yoga, reading spiritual and religious books, watching movies, having a stroll at the nearby park, spending time with young and old groups of friends." ​
 +
 +This was the update from aamchi Nashik, close to home, still far away from all the hustle and bustle of city life. If you want to be ensconced in a quiet place that brings both fresh air and modern amenities, you know exactly where to go. 
 +
 +Watch out for the next place on our retirement list...
 +
 +====== Best Retirement Cities in India: Chandigarh - The 'City Beautiful'​======
 +
 +All of you living in cities must be visiting a Joggers'​ Park, a Nana-Nani park or its equivalent near your homes. And you must be often wondering when you will leave this busy urban city life for a quieter and greener place. ​
 +
 +For those of you who love your morning walks, laughter club sessions or daily pranayama, Chandigarh is the place for you. It has a multitude of beautiful parks, viz. Leisure Valley, Rajendra Park, Bougainvillea Park, Zakir Rose Garden, Shanti Kunj, Hibiscus Garden, Garden of Fragrance, Botanical Garden, Smriti Upavan, Topiary Garden, Terraced Garden and Rock Garden. ​
 +
 +It is also a haven for architectural delights. Designed by Swiss architect Le Corbusier, Chandigarh is the first planned city in India post-independence in 1947. Le Corbusier envisioned it a city that is people-oriented city with wide roads, lakes, gardens and grand buildings. In fact, the central plaza in Sector 17 till today is a "​Pedestrian'​s Paradise"​ with no vehicular traffic permitted there. ​
 +
 +Chandigarh has a distinct charm, beautifully blending modern architecture with the natural environs. Known as The City Beautiful, it is officially a Union Territory and the joint capital of Punjab and Haryana. ​
 +
 +
 +le Corbusier
 +le Corbusier
 +Source: By Rhythm kataria (Own work) [CC BY-SA 4.0], via Wikimedia Commons
 +
 +It is known world-over for its great quality of life and clean and pollution-free air. In fact, Wikipedia says Chandigarh has the third highest forest cover in India and it's the first smoke-free city in the country. The Sukhna Lake adds to its tranquillity,​ blocking away all noise from the city. 
 +
 +Located in the foothills of the Sivalik range of the Himalayas, the city has an average elevation of around 321 metres. The weather is pleasant most of the year except during the winter when temperatures can go down as low as -1C. degree. ​
 +
 +Being the first planned city in India, it has created much intrigue and has a flourishing tourism industry. ​
 +
 +But what really sets Chandigarh apart are its citizens who have actively taken it upon themselves to keep Le Corbusier'​s edict alive - to preserve the citizen-friendly fabric of the city and ensure it's for the well-being of all. 
 +
 +Some citizens have even voiced their sentiments in an article, Why I Love Chandigarh:
 +
 +I have grown with the city since 1961 and do not feel the need to go anywhere else. I will live here and die here. As I have been among those who are part of the building process of the city, my feelings run very deep. The city is cosmopolitan in nature, it has people from all over country. ​
 +
 +- Venod Sharma, former Union Minister ​
 +
 +I just cannot stay anywhere else. The environment and the social life are incomparable here. I am a self-confessed Chandigarh lover. ​
 +
 +- Manmohan Lal (Mac) Sarin, civil lawyer ​
 +
 +Given a chance, I would want to be reborn in Chandigarh. It is the best place in the country... There is unparalleled investment opportunity in Chandigarh for outsiders... The spirit of the city, in terms of its inherent character, is alive. This makes me love it more. 
 +
 +- Manmohan Kohli, owner of Aroma Hotel 
 +
 +Jeena Yahan Marna Yahaan, the famous song of a Raj Kapoor movie, are the lines that best describe my love for Chandigarh. I am obsessed with the city as it has all the advantages of a modern city yet is not ultra-modern like Mumbai... ​
 +
 +- Mangla Dogra, gynaecologist
 +
 +The common thread from all these voices is that Chandigarh is a place loved and cared for by many. The citizens love living there and you may too. Particularly in retirement. When you need peace, space and a spirit of belonging...Chandigarh will give you all of these and more. Here's what you need to know before you decide to relocate... ​
 +
 +Rent or buying of property: According to Housing.com,​ rent is reasonable at around Rs. 20,000 a month for a two bedroom and goes up to about Rs. 1.5 lac a month depending on how fancy a place you want or which area you buy in. Buying a house/​apartment in Chandigarh could set you back by about a crore rupees for a 3-4 bedroom apartment. Also, prices depend on the area and square feet. But again, according to Housing.com,​ the average price of an apartment is anywhere between Rs. 90 lac - 1.5 crore. ​
 +
 +Language: You can get by with speaking in Punjabi, Hindi or English. Locals are familiar with all three languages. It's a cosmopolitan city, growing commercially with a rising per capita income and its citizens are only getting smarter and more cosmopolitan. ​
 +
 +Ease of transport: It is well-connected internally and to the capital New Delhi. Chandigarh is starting its first metro by 2018. The roads are well-designed and well-maintained. Its rail and bus services are connect to all the major cities and some of the smaller ones as well. 
 +
 +Medical Facilities: Chandigarh has good health care infrastructure with a wide range of government and private hospitals catering to every budget. Major facilities include PGI Chandigarh, Fortis Mohali and IVY hospital. ​
 +
 +Local Industries: Being the centre for Panchkula, Mohali and Chandigarh, the city is an active administrative hub. Therefore, the government contributes to a large percentage of the employment in the city. It is also home to several IT companies. ​
 +
 +Recreation: Chandigarh was the hometown for several sportspersons and continues to have a strong bent toward games and athletics. Its golf club is also known to have produced some of India'​s finest golfers. ​
 +
 +This was a roundup of Chandigarh -- a city where architecture,​ modernity and tranquillity all come together.
 +
 +====== Retire Next Year #13: 5 Reasons to Plan for Retirement and 2 Reasons to START NOW ======
 +
 +"Life is full of uncertainties. Future investment earnings and interest and inflation rates are not known to anybody. However, I can guarantee you one thing... Those who put an investment program in place will have a lot more money when they come to retire than those who never get around to it." -Noel Whittaker
 +
 +Fight Inflation ​
 +
 +The prices of goods and services have been on constant a rise for the last few decades, and they will continue to rise until your retirement. This means you will have to pay more for everything in the future. From groceries to travel to accommodation,​ it is all going to cost more during your retirement. A comfortable retired life will be impossible without a sound retirement plan that accounts for inflation.
 +
 +Cover Daily Expenses ​
 +
 +We all have daily living expenses. Without a monthly income, meeting these daily expenses during retirement could be a nightmare. Retirement planning aims to prevent nightmare scenarios in your golden years. Even for the lucky few who receive pensions or gratuities post retirement, the amount is generally not enough to cover all expenses.
 +
 +Cover Medical Expenses ​
 +
 +Health problems and emergencies increase as we age. Unexpected medical expenses can be devastating. Even dental treatment can cost a small fortune. Mediclaim and health insurance policies may not cover all your medical expenses, meaning you'll have to pay huge medical bills out of pocket. A sound retirement plan will account not only for your potential medical expenses but also for that of your spouse and children.
 +
 +Uncertainties and Emergencies ​
 +
 +The only certainty in life is uncertainty. Natural disasters, the unexpected loss of a loved one, economic collapse - circumstances can change suddenly. ​
 +
 +A sufficient corpus can come to the rescue during times of adversity. It is always prudent to build a contingency fund.
 +
 +Travel and Hobbies ​
 +
 +During retirement, you may want to travel and explore new places or take up hobbies. But enjoying your golden years will require financial resources. You must plan and save for all your retirement travels and hobbies during your working life. 
 +
 +Despite all the reasons, people give all sorts of excuses to put off retirement planning for another day. But by far the most common we hear is…
 +
 +'I have plenty of time before I retire. What's the rush?' ​
 +
 +Youth affords us the most valuable resource of time. Unfortunately,​ it often takes the wisdom of age to understand this. At PersonalFN, we want everyone to recognise that procrastination is prime enemy of a comfortable retired life. Starting your retirement planning late is disadvantageous because it provides less time to grow your retirement kitty. ​ And as you grow older, you can afford less risk. This means you might not be able to take on the necessary risk to achieve your retirement goals. ​
 +
 +Here are two benefits of early retirement planning: ​
 +
 +Greater Flexibility ​
 +
 +More time means more flexibility. And more flexibility gives you the opportunity to explore various investment options and avenues. ​
 +
 +For example, over longer time frames, equities are known to outperform other asset classes such as gold, property, and bonds. The key here is '​longer time frames'​. However, over shorter time periods equities can be the most volatile asset class. ​
 +
 +If you want to tap into the power of equities to build your retirement corpus, an early start is imperative.
 +
 +The Power of Compounding ​
 +
 +The best reason to start your retirement planning early is to benefit from the power of compounding. This is the ability of an asset to generate returns which are then reinvested to generate even higher returns. Longer time horizons enhance the compounding benefits. ​
 +
 +Let's understand this better with an illustration… ​
 +
 + ​ Ajay Sanjay
 +Amount invested (Rs per month) 10,​000 20,​000
 +Tenure of investment (years) 30 20
 +Returns (% per annum) 8 8
 +Maturity amount (Rs) 1.50 Crore 1.19 Crore
 +
 +Ajay and Sanjay, both 30, want to invest for retirement. Ajay begins immediately with an Rs 10,000 investment earning a return of 8% per annum. Sanjay procrastinates his start for 10 years, but to make up for the lost time, he invests Rs 20,000, also earning 8% per annum. ​
 +
 +Now, Ajay and Sanjay both want to retire at age 60. This gives Ajay an investment horizon of 30 years and Sanjay 20. 
 +
 +When they reach retirment, Ajay will have a retirement corpus of Rs 1.50 crore. Compare that to the Rs 1.19 crore in Sanjay'​s account. ​
 +
 +Despite doubling his investment, Sanjay failed to match Ajay's returns. The earlier you start, the more your investments benefit from the power of compounding,​ which makes all the difference.
 +
 +A case study 
 +
 +Mr Abhay came to PersonalFN for retirement planning guidance. He told us he does not want to depend on anyone during retirement and just wants a peaceful retirement without worrying about managing his regular expenses. ​
 +
 +Mr Abhay is 35 years-old, married, and wants to retire at the age of 55. His only dependent is his spouse. He and his spouse have a life expectancy of 85 as per their family history. He earns Rs 105,000 per month, and his expenses are Rs 75,000 per month, leaving a monthly surplus of Rs 30,​000. ​
 +
 +Personal Details
 +Name Mr Abhay (name changed)
 +Age 35 years
 +Retirement Age 55 years
 +Dependents Only Spouse
 +Life Expectancy 85 years
 +Income Rs 1,05,000 per month
 +Expenses Rs 75,000 per month
 +
 +Abhay'​s biggest investment is his residential house of Rs 1 crore for which he has an outstanding home loan of Rs 40 lac. The equated monthly installment (EMI) of Rs 35,000 per month is included in his monthly expenses. A small portion of his total assets is invested in mutual funds. Some of his investments are in debt via a public provident fund (PPF), employee provident fund (EPF), and bank fixed deposit. He and his employer together contribute Rs 4,000 per month to his EPF account. He maintains around eight months'​ worth of expenses as contingency reserve in cash in bank. 
 +
 +Assets & Liabilities
 +Assets
 +Sr. No. Type of Assets Amount (Rs)
 +1 Equity Mutual Funds 1,​000,​000
 +2 PPF 600,​000
 +3 EPF 500,​000
 +4 Bank FD 1,​000,​000
 +5 Gold Mutual Funds 300,​000
 +6 Residential Flat (Self-Occupied) 10,​000,​000
 +7 Cash in Bank 600,​000
 +Total 14,​000,​000
 +Liabilities
 +Sr. No. Type of Liability Amount (Rs)
 +1 Home Loan 4,​000,​000
 +
 +Because he will pay off his home loan by his retirement age, instead of  the current Rs 75,000, Mr Abhay will need just Rs 40,000 per month to maintain the same lifestyle during retirement. Furthermore,​ Mr Abhay wants to make a provision of Rs 1 lakh per annum for travel and health care expenses. ​
 +
 +Assuming inflation of 7% and post retirement return of 8%, Mr Abhay requires a retirement corpus of Rs 5.84 crores. ​
 +
 +PersonalFN recommended him the following: ​
 +
 +Change His Asset Allocation ​
 +
 +Since Abhay was just 35 and wanted to retire at 55 years, he had a long time horizon of 20 years. Thus, we advised him to invest a dominant portion of his portfolio in equity, which until then, was previously skewed towards debt instruments. As an asset class, equity has the ability to beat inflation over the long term. Considering his circumstances and high monthly surplus, we recommended Mr Abhay allocate 70% of his investments in equity, 20% in debt and 10% in gold.
 +
 +Redeem Existing Sector Funds 
 +
 +In his mutual fund portfolio, Abhay had some sector funds that were not suitable for his risk appetite. So we recommended he sell them and invest the proceeds in diversified equity mutual funds. Assuming a return of 15% on equity, his existing investments in equity mutual funds can be expected to give him Rs 1.64 crore at retirement.
 +
 +Start a Systematic Investment Plan (SIP) in Diversified Equity Mutual Funds 
 +
 +We recommended Abhay to start a SIP of Rs 21,000 per month in diversified equity mutual funds for 20 years. Assuming a 15% return on equity, his fresh investments in equity mutual funds can be expected to give him Rs 3.18 crore at retirement.
 +
 +Keep the PPF and EPF Accounts Active until Retirement ​
 +
 +The public provident fund (PPF) account Mr Abhay opened five years '​prior'​ had 10 years to maturity. We advised him to extend this for two more blocks of five years after original maturity. We further advised him to invest Rs 6,000 per month before the fifth day of every month until retirement. His regular investment in the PPF account will give him around Rs 63.55 lakh at retirement, assuming 8% return on PPF. And his employee provident fund (EPF) account is expected to give him around Rs 48.35 lakh at retirement.
 +
 +Allocate a Portion of His Portfolio to Gold Mutual Funds: ​
 +
 +Gold mutual funds are a good way to invest in gold. We advised Abhay to add Rs 3,000 per month to his current gold mutual fund holding for the next 20 years. Assuming a return of 7% on gold, his investments in gold mutual funds can be expected to give him around Rs 27.83 lakh at retirement.
 +
 +Based on this advice, Mr Abhay can expect to raise a total Rs 6.21 crore for his retirement (as against the required corpus of Rs 5.84 crore). He will be able to achieve his retirement goals with ease by following a proper asset allocation early. If he had delayed just few a more years and continued to invest mainly into debt, it would have been difficult for him to achieve his goals. ​
 +
 +We recognise that personal finances vary greatly from person to person. But we are of the view that it is vital to make a prudent and early start to your retirement planning. You will enjoy the fruits of your efforts in the second innings of your life. 
 +
 +This article has been authored by PersonalFN, a Mumbai-based financial planning and mutual fund research firm known for offering unbiased and honest opinions on investing.
 +
 +====== Retire Next Year #14: What It Takes to Retire Comfortably ======
 +
 +At the beginning of your career, you had high hopes. A big, beautiful house - bought and paid for. A cottage on the beach. ​
 +
 +A vintage car collection. A country club membership. ​
 +
 +But things didn't turn out that way. No cottage. No car collection. Only Rs 10 lac in savings, and no equity in your house. ​
 +
 +What happened? ​
 +
 +For a while, it seemed like everything was moving along nicely. And then... pop! The market bust in the 90's. And then, pop! Pop! Pop! A slew of other unanticipated disasters... ​
 +
 +So, here you are. And it sucks. ​
 +
 +It may not be your fault. After all, you worked and saved for many years. However, it is your responsibility. If you want a better life, you're going to have to do something about it. 
 +
 +The good news is you can change your financial fate... starting today. And it doesn'​t matter how little you have or how old you are right now. 
 +
 +You can start enjoying a secure, comfortable life in a matter of weeks... and then experience a steady improvement in everything as time goes on. 
 +
 +The goal is for you to have a debt-free home, cash in the bank, and assets hidden away for safety... plus monthly income to cover your retirement expenses for the rest of your life. 
 +
 +The requirements: ​
 +
 +
 +A can-do attitude
 +The ability to devote five to 15 hours per week to creating change.
 +
 +As I said, things will begin to improve in just a few weeks. And they'​ll get better as each month passes. A year from now, you'll be in a much better financial situation. Three years from now, you'll be comfortable. ​
 +
 +Before the end of the seventh year, you'll have a seven-figure net worth. ​
 +
 +This strategy has three parts. I designed it specifically for people who are in financial trouble. That means anyone with less than Rs 25 lac in liquid assets (cash, bonds, and stocks), little or no equity in their homes, and only a government pension to count on after they stop working. ​
 +
 +Three things you should do now
 +
 +Here's what you must commit to doing... starting now. 
 +
 +Rectify your debt. Debt is dangerous for everyone, but it's lethal for the not yet wealthy. We'll talk about this in more detail later.
 +Change the way you spend, save, and invest. It's impossible to become wealthy in fewer than seven years simply by picking better stocks and bonds. You have to spend less, save more and invest smarter.
 +Develop additional income. The amount of money you have to invest is the single most important factor in building wealth. There are many, many ways to increase your income.
 +
 +I'd like you to think about whether you agree with me on this point: changing your financial situation can't be done just by investing. ​
 +
 +If you agree with me, I'd like you to make a commitment to all three parts of my core strategy. ​
 +
 +Are you willing to get to work on eliminating your debt? Really? It's going to require some tough decisions. Are you ready to make them? 
 +
 +Are you also willing to change the way you spend, save and invest? It may sound easy, but most people find it difficult to change their spending and saving habits. Are you willing to try?
 +
 +And finally, are you willing to do what it takes to make more money? This, I'm sure, sounds difficult. It means extra work. And extra responsibility. But it's a necessary part of the overall strategy. So, I must ask you to commit to this as well. Can you do it? 
 +
 +Before you answer, let me be more specific about the kind of changes I'm asking you to make. 
 +
 +Are you willing to spend time considering ideas about developing extra income and personal wealth? ​
 +
 +If you have debt problems, are you willing to take the time to contact all your creditors and negotiate new terms? ​
 +
 +Are you willing to reduce your spending - maybe even drastically?​ Are you willing to buy smaller toys? Drive a cheaper car? Live in a less expensive house? ​
 +
 +Are you willing to take a serious look at your investments and, if necessary, change your asset allocations? ​
 +
 +To earn extra income, are you willing to put in the effort to become a superstar employee? Work more billable hours? Start a side business? ​
 +
 +Are you willing to consider investing in rental real estate? ​
 +
 +I'm asking these questions because I've discovered there are lots of people out there who want - and need - more money. But few are willing to do anything about it. 
 +
 +They'​re willing to invest in XYZ stock if they'​re told it's going to go up 1,000%. But they'​re not willing to learn why that kind of investing is guaranteed to make them poorer. ​
 +
 +They like the idea of having more income... so long as they don't have to put any extra time into creating it. 
 +
 +They'​re willing to save more - but only a few thousand rupees here and there. They refuse to even consider downsizing to a smaller home. 
 +
 +Hear this: money doesn'​t flow easily from those who have it to those who don't. It takes more than thinking. It takes time. And it takes work. 
 +
 +It all starts with having an open mind and a willingness to learn.
 +
 +====== Retire Next Year #15: Best Retirement Cities In India: Shimla - History, tourism and more ======
 +
 +Would you like to wake up to the view of a mountain range, with the orange sun rising slowly in the behind it? Shimla is indeed a place for picture-perfect calm. 
 +
 +Add to it the warm Pahari people, rich Indian history and affordable cost of living, and it becomes the ideal place for your retirement home. 
 +
 +Shimla, the capital of Himachal Pradesh, is undoubtedly the most popular of hill stations. A heavy tourist population ensures this small town is always buzzing with activity. Residents of Delhi and Punjab often flee to this heavenly refuge during their sweltering summers. ​
 +
 +It was where the British enjoyed their '​Indian Summers'​... ​
 +
 +The Bri tish first made it their home for the summers during their Raj in India. It was in 1863 when the Viceroy of India, John Lawrence, described the town as "a very agreeable refuge from the burning plains of Hindoostaun." ​
 +
 +The city grew rapidly from 30 houses in 1830 to over a thousand homes in 1881. This also led to the architecture being mostly influenced by British sensibilities. ​
 +
 +Shimla was a recurring favourite of government generals and commanders-in-chief which led to an influx of British officers who came to socialise . The town soon became known for its extravagant balls, parties and gatherings. ​
 +
 +From then on, the term '​Indian Summer'​ was used by the British every time they had a particularly '​sunny'​ time. They even made a hit TV series named, Indian Summer, set in Shimla, which focused on the decline of the British Raj and the power struggle between the two nations. ​
 +
 +It had its historic moments too... ​
 +
 +The town is also the place where the historic Shimla Conference took place in 1945 between the then Viceroy and the major political leaders of India. It was here that they agreed on self-rule for India, provided there was separate representation for Muslims. The decision for the partition of India and Pakistan was also taken here. 
 +
 +Another historic and significant landmark for Shimla was the construction of the Kalka-Shimla railway in 1906, which ultimately led to greater accessibility for the region. It came to be viewed as an engineering achievement and in 2008 was declared a UNESCO World Heritage Site. 
 +
 +Shimla is also famous for its Mall Road, one of only two in the world, where vehicles are not allowed to ply through the year. This road abounds with buildings of British architecture. During the British Raj only prominent people used the road, but today, locals and tourists alike, walk, shop and eat here, particularly on weekends, when it draw s huge crowds. ​
 +
 +It has all the pluses and minuses of a hilly terrain... ​
 +
 +Located in the south-western range of the Himalayas, Shimla is at an average altitude of 7,238 ft above sea level. It spans 9.2 kilometres from east to west and is built on top of seven hills with the highest being Jakhoo Hill. 
 +
 +This area is known for being an Earthquake-prone zone, thereby discouraging any weak construction. There is no nearby water source for the town, the nearest river is the Sutlej, way off the town's centre. ​
 +
 +Landslides and environmental depletion due to increasing tourism have raised grave concerns among the Paharis(people of the region). The average climate of the town during the summer is between 19 and 28 degree Celsius. During winter, it goes down to anywhere between -1 and 10 degree Celsius. ​
 +
 +But people still enjoy the cold and, of course, the summer which is eagerly awaited... Nature aficionado Vipin Aswal describes the weather of Shimla well on Quora: ​
 +
 +We live at an altitude of 2200 m. The place is quite cold during winter. With the advent of winter and snowfall, there come many conundrums like transportation,​ water supply and of course the cold itself. The mercury dips as low as -7 C. Sometimes, it snows for days continuously... ​
 +
 +But despite of all these conundrums, there is euphoria. People, especially apple orchardists,​ are vehemently waiting for this season. And for tourists it's a bonanza...they go into a frenzy when they see snow...
 +
 +It is a growing tourism and medical destination... ​
 +
 +The economy is largely tourism and government-based. It has been the home of many retired government officials. Due to its scenic environment,​ it is also holiday destination for people from all over the country and thus tourism-related enterprises are also many. 
 +
 +The locals also dabble in regional handicrafts and apple- growing. Some of the Paharis still have a largely rural lifestyle, engaging in agriculture and livestock for their livelihood. ​
 +
 +Shimla boasts four major hospitals - the Indira Gandhi hospital, Deen Dayal Upadhyay Hospital, Kamla Nehru Hospital and Indus Hospital - and a medical college. It is considered the area's medical centre and the government hopes to increase medical tourism in the region. ​
 +
 +Additionally,​ it has renowned educational institutions,​ viz. several boarding schools which have contributed to the region'​s popularity. ​
 +
 +It is easily accessible and enjoyable... ​
 +
 +Hindi is the dominant language and thus anyone from India should not have a problem communicating here. Some Paharis have created their own dialect of it, but you should be able to pick it up soon. 
 +
 +The town's culture can be seen in the many fairs and festivals that take place through the year, especially in summer and winter. Shivratri, the Ice Skating Carnival and the International Folk Festival are some of them. 
 +
 +Transport is either by bus or private vehicles. Locals typically travel by foot as private vehicles are not permitted in certain parts of the town (like The Mall, for example). It is connected by rail and road, currently there are no regular flights into Shimla; and the nearest airport is Chandigarh. ​
 +
 +As a contributor to Lonely Planet says, 
 +
 +You have to walk almost everywhere, so Shimla makes you really fit. On the other hand, this can be a pain if you aren't well, or are in a hurry! ​
 +
 +He goes on to say, "I can't think of a single thing I dislike about Shimla... I came to this town knowing practically no one. Three years later, I have a small but wonderful circle of friends.
 +
 +Shimla is a place for the simple and content. It is a no-fuss town that allows you to be who you are and enjoy its environs. A ffordable cost of living and warm Pahari people make it a delightful place to retire in. Not to mention, it has great medical facilities - a key factor for most retirement cities. ​
 +
 +If you're exhausted by the busy social life of metros, if you're fit enough to walk around the hilly terrain and if you have a dream to live close to nature, Shimla may just be your retirement destination
 +
 +====== Retire Next Year #16: Health Insurance - Make a Resolution for No Medical Bills ======
 +
 +
 +'You know all that really matters is that the people you love are happy and healthy. Everything else is just sprinkles on a sundae'​
 +-Paul Walker
 +
 +The quote by the late American actor strikes a chord in the tune of life. After all, why do we work so hard? Why do we leave our families and brave the mad rush of crowded trains and buses and energy-depleting traffic jams? 
 +
 +To balance the mundane routine, we like to spend time with our children, take up a hobby, go on a vacation, etc. But mostly we are caught in the rat race, where the climb to success is determined by how many products you've sold and targets you've achieved. Of course, there is much more to life than excel sheets. ​
 +
 +The lifestyle takes a toll on our health. We compromise on nutrition and exercise, pop pills, ignore symptoms and ailments, and carry work home on our laptops. ​
 +
 +This brings us to a very important question: Are you taking enough care of your health? ​
 +
 +With the new year, many of us resolve to spend less and save more, dedicate more time to family, shape up that tummy, quit smoking, or walk that extra mile to the office instead of taking the bus. Some of you may have even subscribed to newsletters that advocate healthy living. ​
 +
 +But more important than making resolutions is following them. 
 +
 +AJ Reb Materi eloquently paints the condition we face today: 'So many people spend their health gaining wealth, and then have to spend their wealth to regain their health.' ​
 +
 +Healthcare costs are sky rocketing. From medicines to treatments, everything has become expensive. Medical emergencies can suck the family cash flow, throwing them off balance financially and emotionally. We are mentally programmed and culturally conditioned to avoid discussions of death, disability, emergencies,​ etc. For most of us, our first line of defence against this discussion is to find solace in the thought that 'it won't happen to me'​. ​
 +
 +This is especially true if we have witnessed a colleague, friend, or relative facing a medical emergency. We conclude that their lifestyle was the root of the problem, and we forget that when a medical emergency does come knocking, it leaves one without an opportunity to think twice. ​
 +
 +The best way to survive an emergency is to be prepared for one. You can do this by opting for a suitable health insurance plan - Mediclaim. ​
 +
 +Today, it is possible to insure oneself against life threatening diseases through medical insurance riders. Having health insurance can be of great support during financial difficulties and there is no reason why one should not opt for one. 
 +
 +Selecting the ideal health insurance could be a challenge given that there are 28 general insurance companies in India. No doubt, the free insurance aggregators throw out comparisons of various products at a click of a button; however, the result could be daunting. ​
 +
 +For a layman, the quickest way to choose the '​right'​ health insurance is the one with the lowest premium. Cheaper is better, isn't it? 
 +
 +Just imagine you bought a health insurance plan with a very low premium without taking into consideration all the features of the policy. At the time of claim, you learn that the insurance company is not liable to reimburse you as the cause for which you were hospitalised was not covered under the policy. To avoid footing a bill for what you thought was covered, you should be well aware of all the features offered by the policy ​
 +
 +The best way to learn about the features of the policy is to read the '​policy wordings'​ carefully. Every insurer uploads them on their website. If at any point you intend to challenge the rejected claim, the court would resort to the policy wordings only. Make sure you have read the wordings twice. ​
 +
 +'Take care of your body. It is the only place you have to live.' - Jim Rohn 
 +
 +Read the fine print and acquaint yourself with the sub limits on room rent, the waiting periods for pre-existing diseases, co-payments,​ network hospitals for cashless facility, pre and post hospitalisation expenses, exclusions, and the no claim bonus. These parameters differ from company to company and policy to policy. You need to know what you are signing up for. 
 +
 +You might think that buying or renewing such a policy will be a waste if nothing happens to you or your family members. However, by paying premiums and covering yourself adequately, you are insuring yourself against the possibility of any illnesses or accidents at a nominal cost vis-a-vis your health. ​
 +
 +We believe the need for insurance usually arises in the later years of life, but emergencies can occur anytime. Hence the best time to opt for a health insurance policy is now. As you age, it is likely that you develop some symptoms that might affect your insurability. However, remember that it is imperative to consider the aforementioned points and suitability of the plan before buying any health insurance policy.' ​
 +
 +'​Never,​ never, never trade your health for wealth. You may think you can buy it back, but you can'​t.'​ - Billy Cox 
 +
 +Always remember the golden rule of insurance: It is better to be covered and not need it than to need it and not be covered. ​
 +
 +To know more about health insurance, please refer to Retire Next Year #12: What To Look Out For In A Health Insurance Policy ​
 +
 +====== Best Retirement Cities of India: Kasauli - Serenity and a Slice of the Himalayas ======
 +
 +I've had it all my life, as long as I can remember - a willingness to compete and eagerness to win. Started off as a hard-working man and grew up into a successful manager over time. What occurred to me is that my life has been a book of achievements without a single page of peace. Now, as I see retirement coming, I only want to be in a quiet place and do everything I was too busy for.
 +Suryanarayan,​ 59
 +
 +Are you also looking for a piece of peace like Mr Suryanarayan?​ Would you like to walk on a street lined with tall deodars, Himalayan oaks, huge horse chestnuts, and roses? Or take in the sunrise on a misty morning, with rays tearing through the fog? 
 +
 +Well, this may just be a possibility...as many living in the quaint town of Kasauli are already experiencing. An ideal retirement destination,​ Kasauli may just be the place for Mr Suryanarayan or anyone looking for a serene retirement. ​
 +
 +**Location** ​
 +
 +Located on the Shivalik ranges in the Himalayas, Kasauli is smaller and quieter than Himachal Pradesh'​s popular hill stations. An hour and a half away from Chandigarh, Kasauli falls under the Solan district and can be accessed by road. The nearest railway station is Kalka (30 kilometres),​ and the nearest airports are Simla and Chandigarh. ​
 +
 +Kasauli has a small population, and you can easily walk the entire town. Monkey Point gives a panoramic view of the plains and serpentine roads that climb up the mountain. Mall Road forms the main marketplace of the town. A spectacular eighteenth-century church stands at the heart of Kasauli and echoes the town's glorious colonial past. 
 +
 +**Climate** ​
 +
 +'​Although it remains beautiful in all seasons, Kasauli attracts maximum number of tourists during summertime to beat the heat,' says a Tibetan vendor at Mall Road. 
 +
 +At 2,000 meters above sea level, Kasauli enjoys a favourable climate through the year. Summer temperatures can reach as high as 38 degrees (Celsius). Winters average between six and eight degrees. ​
 +
 +'​Snowfall is a rare occurrence in Kasauli. Maybe once in four or five years,'​ says Matthew, a local. '​Overall,​ it has a pleasant weather - never too hot or too cold.' ​
 +
 +Kasauli receives an average rainfall of 1020 millimetres annually. ​
 +
 +**Infrastructure** ​
 +
 +As a cantonment for the Indian Army and with an Air Force station, it is well-appointed with perennial electricity and transportation. The town has a military hospital and several medical practitioners. However, a full-fledged private hospital can be sought in Solan, Kalka and Parwanoo, which fall under a proximity of 30 km from Kasauli. ​
 +
 +Kasauli is a vintage town and nurtures a sophisticated past. 
 +
 +The Lawrence School near Kasauli, with origins in the eighteenth century, is among the best residential institutes in the country. Renowned personalities like Sanjay Dutt, Omar Abdullah, Saif Ali Khan, Jehangir Wadia, Ness Wadia and Pooja Bedi have been educated here. 
 +
 +You will be surprised to know that the oldest brewery and distillery in Asia is situated in Kasauli. The Kasauli Brewery, founded in 1920 and now known as Mohan Meakin, is the manufacturer of several brands of scotch whiskey, beer, vodka and the popular rum Old Monk. 
 +
 +**Recreation** ​
 +
 +The Kasauli Club was established in 1880 by civilians and service personnel as a large reading and gathering room. During the British Raj it hosted social meetings, tea and dinner dances. After independence,​ the government tried to sell the club when it saw huge losses but failed to attract buyers. Today, it lies in the Indian Army Premises and is run by the officers. ​
 +
 +Nahri Temple, devoted to Lord Shiva and Goddess Durga, is said to be built over a hundred years ago. Renowned for festive celebrations of Dusshera and Shivratri, it is visited by thousands of devotees every year. 
 +
 +**Writers'​ Abode** ​
 +
 +Kasauli is the birth place of the renowned writer, Ruskin Bond. It was also the home of Padma Vibhushan winning writer late Khushwant Singh and now hosts the Khushwant Singh Literature Festival in October every year. Literary enthusiasts from across India are seen flocking this festival. ​
 +
 +**Why Kasauli?​** ​
 +
 +Consider this testimony from Mr Sharma: ​
 +
 +About six months ago when I attended a wedding in Chandigarh, some relatives propositioned a day's excursion to Kasauli. As we drove past Kalka, the peaks of the Himalayan range welcomed us and we drove uphill. We diverted on Kasauli'​s road to see much less traffic. The air felt different! And when we reached Kasauli, my lungs were grateful for breathing such air.
 +
 +It's said that this town seems like it's hiding from the world...I say it's not! It just seems to be telling the world that not every place is noisy yet, not every place is in a hurry and not every place stresses you out. If you want to rejuvenate, Kasauli opens its arms to welcome you.
 +
 +
 +**Living in Kasauli** ​
 +
 +You can easily find cottages and houses to rent. And premium townships such as DLF Samavana offer lavish villas, apartments, and plots for purchase. ​
 +
 +By early 2016, Kasauli will see newly built retirement homes by AAMKOSH providing centrally-heated 1BHK, 2BHK, and studio apartments. Community amenities will include a club house, a swimming pool, physiotherapy,​ daily need shops, virtual games, a senior-friendly gym, a spa and salon, and indoor games. ​
 +
 +Although Kasauli doesn'​t have many income opportunities,​ you could work part time with a local firm. People having backgrounds in athletics, vocal and instrumental music, yoga and fitness, foreign languages or other expertise may provide coaching in schools. ​
 +
 +Kasauli'​s pollution-free environment,​ fresh air, breath-taking sunrises, beautiful sunsets, stunning night skies, phenomenal cedars, and surreal peace will delight you and make your retirement the tranquil one that you always desired.
 +
 +====== Best Retirement Cities in India: Puducherry - A Peaceful Town with French Imprints ======
 +
 +Retirement may set you free from major responsibilities,​ but it brings in new goals. Good health and a peaceful living often become top priorities for many retirees. And, Puducherry, a quaint town on the Coromandel Coast, promises you both... ​
 +
 +Formerly Pondicherry,​ and affectionately referred to as '​Pondy',​ Puducherry is a Union Territory. Unlike most of the cities in India, Puducherry has a laid back and un-rushed air about it. The lifestyle is relaxed and the environment is free from pollution. ​
 +
 +Styled by the French ​
 +
 +Puducherry'​s history goes all the way back to the sixteenth century when the Dutch, British, Portugese and French arrived here, and after which the French acquired it in 1674. The East India Company tried to acquire it several times, but the French held onto it until 1954. On November 1, 1954, it became a part of Indian Union. ​
 +
 +As it was a French colony for almost 300 years, Puducherry was influenced heavily by French aesthetics and culture. ​
 +
 +Reaching here is easy 
 +
 +Puducherry is approximately 155 km away from Chennai connected by the East Coast Road. A relaxed drive from Chennai, should take you to Puducherry in a maximum of three hours. The state corporation offers regular bus services between the two cities. ​
 +
 +Also connected to the country'​s major cities by rail route, Puducherry has direct trains from Mumbai, Howrah, Delhi, Chennai, Pune, Bhubaneshwar,​ Kanyakumari and Mangalore. ​
 +
 +Puducherry can be accessed by flight from Bangalore. If you wish to take a flight from any other town, you need to fly to Chennai. ​
 +
 +It takes care of the basics ​
 +
 +While the newer part of Puducherry is typically South Indian, the older part's architecture is French in style. It has several public buildings, bungalows, churches, temples and statues that reflect colonial ambience. The streets are neat, quiet and shady. ​
 +
 +Puducherry is equipped with advanced healthcare facilities, like general hospitals, private clinics and nursing homes. Prompt medical attention is something you can rely on in any corner of this town. 
 +
 +There are numerous educational institutes offering courses in science, technology, medicine, art and management. This probably accounts for Puducherry'​s literacy rate, which is 76%, much higher than the Indian literacy rate of 56%. 
 +
 +Another interesting statistic is Puducherry'​s balanced gender ratio. In 2011 census, Puducherry recorded a population of 675,000 with an equal ratio of males and females. ​
 +
 +A city both '​smart'​ and spiritual ​
 +
 +A feather in Puducherry'​s cap, is that it became the first nominee for the central government'​s Smart City project. This will give a lot of hope to whoever plans to relocate to this quaint town. In the near future, you may be among the first few to avail of its benefits, not only aiding your lifestyle but also your financial progress, as it could open plenty of opportunities for you. 
 +
 +
 +An experimental township called Auroville is located near Puduicherry. It is meant to be a place where men and women of all countries are able to live in peace and progressive harmony. With an aim to realize unity, the community believes in leading a simple life and contributes towards the environment,​ rural areas and art and culture. ​
 +
 +Immersed in culture and natural beauty ​
 +
 +For a weekend getaway, look to Chunnambar Beach, or Paradise Beach, that promises crystal clear waters. Located 7 km from the city, the sea is not so deep and suitable for children. ​
 +
 +Puducherry preserves several vintage churches built in the eighteenth century. An ancient temple of Thirukaameeswar,​ devoted to Lord Shiva, is 10 km from the heart of the city. 
 +
 +One of the main places of leisure is Pondicherry Botanical Garden with its six beautiful fountains and a large aquarium of ornamental fishes. ​
 +
 +People who practice mindfulness and meditation can find solace in Shri Aurobindo Ashram, a renowned spiritual centre. For culturattis,​ The Arts and Culture Department and Auroville organize several events on a regular basis. ​
 +
 +Just the right kind of climate ​
 +
 +The climate is same as the rest of Tamil Nadu's coastline. Summers range from late March to early June during which the temperature often goes beyond 40 degrees Celsius. This is followed by occasional thunderstorms and a highly humid period from July to September. ​
 +
 +Puducherry sees an average rainfall of 50 inches during the year. It receives a substantial amount of rainfall between the months of October and December. ​ Winters bring to you a lukewarm weather of 30 degrees and you never feel cold. Thus, an ideal city for those who've been advised to stay in warm places. ​
 +
 +Not a strain on the pocket ​
 +
 +The cost of living is quite low compared to big Indian cities. The wallet does not lose its weight very soon. - Siva, a Puducherry girl on Quora
 +
 +Living in Puducherry is fairly affordable. Be sure a lot of your life savings will not go in high rents and in buying property. ​
 +
 +You may rent a furnished 1BHK apartment in a good locality for Rs 7,000-8,000 whereas a single room may cost you around Rs 2,000-2,500 per month. ​
 +
 +For those seeking a well-facilitated retirement home, townships like Villefranch offer apartments for 25 lakh and independent villas for 50 lakh with basic amenities like indoor games, social club and healthcare. ​
 +
 +More amenities and a lavish lifestyle can be sought with premium communities like Serene Senior Living. ​
 +
 +Explore the city at an easy pace 
 +
 +Puducherry is clean and well-planned. The roads are wide and bear proper instructions. You can easily explore the entire town without getting lost. 
 +
 +A paradise for gourmet lovers, here you'll find Indian, Chinese, French and exotic Indo-French cuisine. Fast food outlets are present on every second step. But don't get disappointed if you don't find malls or huge shopping avenues. The city though has small and charming boutiques that stock most of what you need. 
 +
 +Being close to the textile hub Tirupur, you'll find an amazing range of garments and textiles that can be designed to suit your sensibilities. Other cottage industries include incense sticks and mats, largely created by recycled materials and by using nature-friendly methods. ​
 +
 +Local accents and more 
 +
 +Communicating with the local people might be an issue as Tamil and French are the official languages here. You may also find people speaking Malayalam, Telugu and Bengali. But Hindi is not one of the languages used, so simply stick to English or learn a local language. ​
 +
 +When in Puducherry, you could comfortably seek a part-time job or even look at contributing to the various local industries. You'll be surprised but some of the small-scale cottage industries, working on a low capital, are highly profitable. ​
 +
 +Part-time teachers, wellness enthusiasts and environmentalists will also find a place in Puducherry. ​
 +
 +Thus, Puducherry is an ideal retirement hub if you're looking for healthy and natural environs. The new-age retiree will find plenty to do here as he revels in its colonial charm.
 +
 +====== Best Retirement Cities in India: Kurseong - Walk among White Orchids and Green Tea Plantations ======
 +
 +It was by accident that we explored Kurseong. Years ago while visiting Darjeeling, I was exhausted by the toy train journey and stepped down on a tiny station to walk around. The serenity in the air caught my senses, and this town, with a strange name, clicked with me like no other place. ​
 +
 +After spending four months here post retirement, I felt a spike in my energy levels. I also realised the name isn't strange. In fact, it's beautiful...and comes from a rare flower
 +- 61-year-old Chandra G
 +
 +It's no surprise that most people haven'​t heard Kurseong'​s name. An ideal place for those who want to live away from the hustle and bustle of city life. Retiring here means retaining the air of tranquility and seclusion. ​
 +
 +Orchids and tea estates ​
 +
 +A tiny, self-sufficient town in Darjeeling district, Kurseong gets its name from the Lepcha term khorsang, which refers to the white orchid found all over the valley. ​
 +
 +Surrounded by hills covered with rich, well-maintained tea estates, Kurseong appears before you like a spell from Harry Potter'​s wand. Eminent personalities such as erstwhile ruler of Nepal Jung Bahadur Rana, social worker Sister Nivedita, and freedom fighter Subhash Chandra Bose have resided in the town. 
 +
 +An old municipality and a school town 
 +
 +Kurseong Municipality,​ dating back more than 125 years, is one of the oldest municipalities in the country. The municipality is divided into 20 wards, and each of the wards has its own ward commissioner. The town has a small population of 94,000 and remains mostly at peace. You'll find a district court and a police station in Kurseong. ​
 +
 +The town enjoys a perennial supply of water and electricity throughout the year. 
 +
 +Often referred to as 'the school town', it has numerous schools affiliated to ICSE, CBSE, and State Board. ​
 +
 +Note that you will find only basic medical facilities and a sub-divisional hospital here. Nursing homes with advanced facilities can be sought in the town of Darjeeling. If you suffer from an ailment that may require urgent medical assistance, refrain from choosing this place. ​
 +
 +Vintage trains and a locale for movies ​
 +
 +Traveling is easy. And low cost. A vintage train passes through the town and taxis are available too at reasonable cost!
 +- A local resident
 +
 +
 +At 1,460 meters above sea level, Kurseong is best accessed by Darjeeling Himalayan Railway, started in 1881. In 1999, it became the second rail route to receive the title of a World Heritage Site by UNESCO. ​
 +
 +The picturesque route has garnered much attention from Indian filmmakers and can be seen in several films like Aradhana, Parineeta, and Barfi. ​
 +
 +Kurseong falls along Hill Cart Road, which connects Siliguri and Darjeeling. You can easily catch an affordable taxi from Siliguri (40 km). If you want to fly in, the nearest airport is at Bagdogra (60 km). 
 +
 +Breathtaking views and rows of books 
 +
 +Retirement brings plenty of time for leisure activities. And Kurseong has a wealth of heartwarming sights and lush tea gardens to keep you active and entertained. ​
 +
 +It is home to myriad religious temples, breathtaking sights, and vintage museums. Eagle'​s Craig, a two-kilometer long trail, provides panoramic views of the Siliguri plains. ​
 +
 +And local libraries with extensive collections can be frequented for a minimal fee. Gorkha Public Library has been serving the town's bibliophiles since 1913. 
 +
 +The Netaji Subhash Chandra Bose heritage museum is a treat for history enthusiasts. ​
 +
 +Aromatic teas and delicious momos 
 +
 +The local food is influenced by Tibetan style. Don't be surprised if you taste the most exotic momos in Kurseong! Another popular delicacy is chaang, a drink made from fermented millets. ​
 +
 +It is noteworthy that after being sold at a record $1,850 per kilogram, Kurseong'​s Makaibari tea is one of the most expensive teas in the world and the costliest in India. In Kurseong, you can enjoy the delightful aromas of renowned teas like Castleton and Ambotia. ​
 +
 +Varied seasons and pleasant weather ​
 +
 +Kurseong has pleasant weather. Situated in the Himalayas, it's cool even in May. The temperature stays below 30°C in summer and may drop down to as low as 1°C in January. ​
 +
 +Retirees with diseases aggravated by cold weather are advised to relocate during the winter. ​
 +
 +Kurseong sees a full-fledged monsoon in July and August. It receives heavy rainfall and will delight those who like dark clouds and overcast skies. ​
 +
 +Amid greenery and mountain peaks 
 +
 +Kurseong provided me with the much-needed seclusion and calm. It also helped me achieve a healthy lifestyle...going for walks, overlooking slopes of soothing tea gardens...heavenly! I am surrounded by green hues on all sides...it'​s exhilarating!
 +
 +The best part is that the cost of living stays minimal and places like Darjeeling are less than an hour away.
 +- A Singh, retired civil engineer
 +
 +
 +Retiring to the mountains is anyone'​s dream. But it's not as easy as it once was, as many of the hill stations today have become commercialised and pricey. But as a relatively unknown retirement destination,​ Kurseong still provides a peaceful and affordable stay for retirees and tourists alike. ​
 +
 +Save on living and earn from home 
 +
 +Rents range from Rs. 7,000 to Rs. 12,000 per month for 1BHK. Properties are comparatively cheaper and a 1BHK apartment could cost you Rs. 15-18 lakh whereas an independent 4BHK bungalow could cost up to Rs. 1 crore. ​
 +
 +Kurseong offers part-time jobs and income-generating opportunities as well. For instance, you could do an accounting job from home and earn as much as Rs. 1,000 per day. Education, tourism, and tea estates form the town's economy. Retirees with a background in any of these businesses will find more opportunities here. 
 +
 +In Kurseong, life after retirement will be simple. But the experience of waking every morning to the gleam of snow-capped mountain peaks is priceless.
 +
 +====== Best Retirement Cities in India: Jodhpur - Retire Royal ======
 +
 +Today, when most of the cities in India are influenced by the West, some have managed to retain their authenticity and culture... Jodhpur is one of them. Located in the heart of colorful and chivalrous Rajasthan, Jodhpur is the 'Blue City' of India. ​
 +
 +
 +When I planned a visit to Jodhpur three years back, I was very excited as it was my first trip to Rajasthan and, as each of my friends who went there loved it to core, it was my obvious choice. I wanted to experience the best of Rajasthan and had no intention of overextending my stay, so I settled on the 'Blue City' Jodhpur. ​
 +
 +Once I was there, I understood why everyone just adored this city; huge fortresses and palaces with amazing architecture,​ desert landscape with acres of fine & calming sand, vibrant clothing and jewellery, camels and fairs, big moustaches, colourful bazaars... Rajasthan is full of all these things and Jodhpur is a place where you can live amidst it all to the fullest. - Rahul Cornelius, Writer and Photographer
 +
 +A small world confined by Thar desert on all sides, Jodhpur isn't a conventional retirement destination. But it'll prove to be a haven for those who want to spend their golden years in a land of heritage and tradition. ​
 +
 +The City Royale ​
 +
 +Be it streets or markets, houses or temples, wherever you go Jodhpur emits a scent of royalty. It's thoroughly '​Indian'​. - Abhishek Gaur, a frequent visitor
 +
 +As you step down in the city, it greets you with a nostalgic panorama of ancient buildings. They whisper that Jodhpur was never an ordinary place. Silently guarded by the mighty fort of Mehrangarh, Jodhpur is surreally regal. Even Christopher Nolan couldn'​t remain aloof from its grandeur and shot his movie The Dark Knight Rises here. Mehrangarh Fort stands ostentatiously on a hill and, wherever you live in Jodhpur, most likely you'll see it from your terrace. ​
 +
 +The blue hue of the old town deeply signifies that Jodhpur is a royal land of noble people. ​
 +
 +A Medieval Town 
 +
 +Jodhpur nurtures a rich history. Founded in 1459 by Rao Jodha, it covered a vast area called Marwar that Jodha had conquered. When in Jodhpur, you'll hear a dozen stories as to why the walls of the town were painted blue. In the ancient times, when merchants travelled through the desert, Jodhpur'​s blue walls appeared cool and attracted them to resort there. ​
 +
 +Jodhpur remained a fief under the Mughals until it entered into an alliance with British Raj. 
 +
 +It became a part of India after independence. ​
 +
 +What Statistics say! 
 +
 +With a population of 13 million people, Jodhpur is the second largest city in the state of Rajasthan. It is constituted by 52.62 percent males and 47.38 percent females. Jodhpur recorded an impressive literacy rate of 81% in 2011 consensus. ​
 +
 +A Blend of Tradition and Modernity ​
 +
 +Jodhpur is an abode of medieval architecture. Especially the old town. Here houses are called '​havelis'​. The narrow streets still retain a medieval air; four wheelers can hardly pass through. Most houses are made of sandstone. Today, the old town is encircled by new Jodhpur on all sides. ​
 +
 +Jodhpur gets water from Indira Gandhi Canal. The local folks say that it suffers from water scarcity at times. Still, the water supply is better than other parts of Rajasthan. ​
 +
 +Retirees need not worry about medical assistance while in Jodhpur. The city has good hospitals and medical facilities. ​
 +
 +Jodhpur city is governed by Municipal Corporation,​ which comes under Jodhpur Urban Agglomeration. It lies about 250 kilometres from the border, making it an important base for the Indian Army, Indian Air Force, and Border Security Force (BSF). ​
 +
 +Jodhpur recently became an educational hub with several institutes that provide major in every discipline. A home to reputed institutes such as AIIMS, Indian Institute of Technology, National Law University, and National Institute of Fashion Technology, Jodhpur is also the favorite city of CA aspirants. ​
 +
 +Weekend Getaways ​
 +
 +If you retire in Jodhpur, you'll never be bored on the weekends. The city is a popular tourist destination and attracts thousands of travellers, particularly foreigners, each year. The prime attractions include Mehrangarh Fort, Umaid Bhawan Palace, Jaswant Thada, Ghanta Ghar, and Machiya Safari Park. 
 +
 +The modern part of the city offers malls, cinema halls, cafes, and exclusive showrooms for shopping. ​
 +
 +However, if you're a night person, Jodhpur will disappoint you as pubs and restaurants are shut by 10pm. 
 +
 +Easily Accessible from your city 
 +
 +Reaching Jodhpur is a cakewalk. Jodhpur has strong rail, road, and air networks that connect it to almost every part of the country. It is the divisional head of the North Western Railway and has direct trains from Alwar, Delhi, Mumbai, Kolkata, Chennai, Bangalore, Trivandrum, Pune, Kota, Kanpur, Bareilly, Hyderabad, Ahmedabad, Indore, Bhopal, Dhanbad, Guwahati, etc. 
 +
 +Jodhpur hosts numerous national and state highways. You can directly drive here if you live in any city of Rajasthan or in Delhi, Ahmedabad, Surat, Ujjain, Agra, etc. 
 +
 +Jodhpur Airport is one of the main airports of Rajasthan. It has daily flights from Delhi, Mumbai, and Bangalore. Soon it will host international flights too. 
 +
 +Climate and Economy ​
 +
 +You're in the middle of a desert, what do you expect? - Bhati, a local fruit vendor
 +
 +The climate of Jodhpur is exactly what you'd expect from a desert. The temperature normally lurks in 40s during summer and falls drastically during winter. The nights are always relatively cold. 
 +
 +Jodhpur receives a scanty rainfall during monsoon. ​
 +
 +Handicraft industry is the backbone of Jodhpur'​s economy. Tourism occupies the second spot. 
 +
 +Other items manufactured include textiles, metal utensils, bicycles, and ink. A flourishing cottage industry manufactures carpets, glass bangles, and marbles. ​
 +
 +Land of Exotic Food 
 +
 +Located in the core Marwar, Jodhpur lures you with a variety of delectable dishes made with desi ghee. 
 +
 +Daal Bati, the signature food of Rajasthan, can hook you for life. Apart from that, Jodhpur is widely known for its chaat. It's hard but we insist that you don't surrender to taste buds too often and keep the calorie count under control. ​
 +
 +Honey Tongued Folks of Jodhpur ​
 +
 +Jodhpur to me is like one gigantic joint family in the middle of a desert. - Shobhit, a Jodhpur resident
 +
 +One of the highlights of Jodhpur is its native residents. Jodhpur is a land of warm and receptive people. Known for their sweet tongue, the people are naturally helpful. ​
 +
 +However, if you're moving from a metro or any bigger city, you'll find the society a bit conservative. Gender-based discrimination and caste system is a little evident in the society. ​
 +
 +Regardless, Jodhpur is a peaceful town and has an incredibly low crime rate. It's a safe city where the royalty and cosmopolitan folks live in harmony. ​
 +
 +Living in Jodhpur ​
 +
 +Jodhpur is a slow but calm and a sophisticated city, with not much dynamics involved, lifestyle is still good, people enjoy each other'​s company over a cup of tea and a platter of namkeen. - Sachin, a Jodhpur resident on Quora
 +
 +The cost of living in Jodhpur is fairly reasonable. You can rent a 1 BHK house in a decent locality for Rs 6,000 - 10,000 per month. ​
 +
 +Jodhpur provides plenty of avenues for income. You can work from home or join the faculty of one of the institutes. As many students migrate to Jodhpur for studies, you can keep paying guests or provide lunch services. ​
 +
 +Jodhpur, being one of the most picturesque towns in India, will be a delight to photographers. ​
 +
 +The Blue City is warm and welcoming, hot and dusty, modern and medieval, cheerful and colourful, luxurious and royal... ​
 +
 +On crimson evenings, when you take a walk in the town...you'​ll find women in floral ghaghra choli, and men in gaudy turbans smoking hukkah. You'll hear '​khamma ghani' greetings wherever you go. You can take your spouse on a royal date and witness captivating sunsets from Mehrangarh Fort. A retirement in the middle of Thar will be peaceful, royal, and different indeed.
 +
 +====== Best Countries for Retirement #1: Panama - A People'​s Place ======
 +
 +Editor'​s Note: While most people resort to their native abode or a quiet place after retirement, some yearn to experience a different taste of life altogether. They want to explore unseen places, meet new people, build communities,​ and make their new life an adventure.
 +
 +Often such people also aim to live overseas. They like to do away with familiar surroundings and social and familial responsibilities and simply experience a new culture with new people... And that's what this series is about.
 +
 +When Wealth Builders Club India member Hormuzd Madan asked us to 'send us a list of places (in India and abroad) where one can retire well while ticking off the boxes on cost, environment,​ cultural and sports activities, security, health facilities, etc.' we began bringing you a series on Top Retirement Cities in India.
 +
 +Now, we are taking a step ahead, to bring to you the best countries to live, and explore, after retirement. Thoroughly researched and testified by people who have lived there, these places aren't just an escape to a new life; they provide the best amenities available for retirees.
 +
 +*****************************
 +Imagine a retirement destination where you not only get respect but receive discounts on every movie ticket you buy, every flight you take, and every time you visit a hospital. Sounds like a dream, right?
 +
 +PANAMA: A Retirement Haven
 +
 +These are just some of the privileges that Panama, a small country in Central America, provides to retirees.
 +
 +The Isthmus of Panama boasts long stretches of both Caribbean Sea and Pacific Ocean coastlines. Both coats are home to a total 365 tropical islands - one for every day of the year.
 +
 +Panama was occupied by numerous indigenous tribes before it entered into a settlement with Spain in the 16th century. This treaty lasted until 1821. Panama then became a part of Gran Colombian and became free in 1903 with support from the US.
 +
 +Today, Panama is an independent country headed by Juan Carlos Varela, the president.
 +
 +The capital and largest city is Panama City, which inhabits nearly half of the country'​s 3.9 million people.
 +
 +A country making rapid progress
 +Our nomadic editor David Sexton lived in Panama for a year. And so we asked him to tell us exactly what it's like and if it really is a livable and feasible option for retirees. David couldn'​t agree more. And the first aspect he praised was the country'​s infrastructure...
 +
 +The infrastructure is good and getting better. When I lived there, several regional airports were being built, and the first line of the Panama City metro opened. Traffic in the capital is still horrific, but this was the first metro in Central America. It is representative of the country'​s overall progress.
 +
 +Panama is experiencing a development and infrastructure boom comparable to what is happening in India or China. But this has disadvantages,​ too: I often felt that Panama was growing too fast for its own good. Foreigners, land owners, and financial institutions reap most of the benefits while the average Panamanian is left in the dust. Despite economic improvements,​ education languishes, though there are some good international schools.
 +
 +Panama desires to be the Singapore of Central America. It can achieve this, but I would prefer to see a more gradual, deliberate approach to growth, rather than the all-out, wild-west activity I witnessed a few years ago there.
 +
 +Adequate medical care for silvers
 +David adds that retirees who have healthcare as their priority should not worry, as Panama does have world-class facilities. But what a retiree could consider is living closer to the capital...
 +
 +Panama City has a Johns-Hopkins affiliated hospital that offers world-class care. Regional facilities are acceptable, but if you have a serious condition, you will want to be closer to the capital in case of emergency. A trip to the doctor shouldn'​t cost more than US$30 (under Rs 2,000) out of pocket.
 +
 +Panama File-O-Facts
 +Economy: The US Dollar is the national currency of Panama. Commerce, tourism and trading form the backbone of Panama'​s economy.
 +
 +One of the most complex and largest engineering projects, the Panama Canal started in 1914, and today it facilitates about 300 million tons of shipping every year.
 +
 +Climate: Panama is a hot and humid country. The temperature might not exceed 35 degrees but you'll always feel the humidity. The mountainous areas in the country are relatively cooler. Although Panama sees a dramatic monsoon and severe thunderstorms,​ it is located outside the hurricane belt.
 +
 +We suggest that you never believe the clear skies of Panama, and always step out with an umbrella.
 +
 +Delicacies: Rice and corn are the staples of Panamanian cuisine. Fortunately,​ in Panama City and popular retirement communities,​ you can find a variety of international offerings, including Indian. Panama has large Italian and Chinese communities,​ so you can get your pasta and noodle fix easily.
 +
 +The star of Panamanian cuisine is ceviche, a kind of Latin sushi. If you like seafood, check out the stalls along Panama City's fish market for the freshest ceviche.
 +
 +Language: While living in any foreign land, it is said that you must learn the local tongue. Same goes for Panama. Though it's feasible to get by with English, especially with the large international retirement community, to ensure flawless communication with the locals, in any corner of the country, you must learn Spanish. Fortunately,​ there are many good resources available online for learning Spanish. Also, because Spanish shares its roots and its script with English, picking up a basic level of functional Spanish is not difficult for many English speakers.
 +
 +Plenty of pastimes
 +Panama is a small country where you can easily take weekend trips to the mountains or the Caribbean beaches. Panamanian folks love to party. The local pastime is hanging out with friends and family.
 +
 +When we asked David about his favourite getaways in Panama, he listed his top-three Panama destinations as:
 +
 +Santa Catalina in the Pacific Ocean for surfing, diving, snorkeling. It is laid back, quiet and 'off the grid'.
 +Bocas del Toro in the Caribbean, with water taxis, parties, backpackers,​ intriguing locals, and international retirees.
 +El Valle is an attractive peaceful little town nestled in the crater of an extinct volcano, surrounded by thick forests and mountains.
 +
 +Easy visas and great deals
 +Often cited as the ideal country to retire by several websites and magazines, Panama opens its arms to you when you need it the most.
 +
 +Panama offers a pensionado visa to retired people from all over the world. Anyone over 18 years of age, receiving a minimum monthly amount of 1,000 USD (Rs 65,000) as a pension or annuity, is eligible for a pensionado visa. Both spouses can combine their pensions and/or annuities to reach this amount.
 +
 +The pensionado residents are offered the best programs and facilities by Panama'​s government. Some of the perks that you'd get as a pensionado resident are:
 +
 +-50% off entertainment anywhere in the country (movies, theaters, concerts, sporting events)
 +
 +-30% off bus, boat, and train fares
 +
 +-25% off airline tickets
 +
 +-25% off monthly energy bills
 +
 +-30% to 50% off hotel stays
 +
 +-15% off hospital bills
 +
 +Click here, for more details on visa.
 +
 +A '​Retire to Paradise'​ Dream
 +It is helpful to learn about the society and local people before you move to Panama. Here's David:
 +
 +Panamanians are very laid back. What can be done today can always be done tomorrow...or next week...or simply forgotten about...
 +
 +This is fine if you're sipping a coconut from a hammock in San Blas. But it's frustrating when you're trying to take care of business in Panama City. Patience is a virtue always and everywhere, but particularly in Panama.
 +
 +No other country in the world is as welcoming to the foreign retiree.
 +
 +You'll meet many like-minded retirees. Most come from North America, but the whole world, it seems, is represented. The most popular retirement spots are Boquete and Bocas del Toro. These towns are built around the '​retire to paradise'​ dream, and the services, amenities, facilities, etc cater to it.
 +
 +Where pensionados are respected
 +As for the income avenues, if you have skills, you will be in demand. It helps if you speak some Spanish. Unfortunately,​ pensionados aren't allowed to start businesses. But many foreign retirees in Panama do take on part-time work in real estate, or local shops and eateries.
 +
 +Note that foreign-earned income is not taxed in Panama.
 +
 +Panama promises you a life of luxury for much less than in developed countries. On the other hand, you could 'go off the grid', to smaller cities instead of the capital, and live on next to nothing.
 +
 +David lived a comfortable lifestyle in one of the capital city's most desirable neighbourhoods for less than $800 (approximately Rs 55,000) per month. You can live well for less than that in beach towns like Santa Catalina or mountain retreats like El Valle.
 +
 +Panamanians have a deep cultural respect for their elders, a trait similar to Indians. This respect extends to foreigners as well. If you choose to spend some time living in Panama, expect to be treated well not because your presence supports the local economy but out of genuine affection from its people.
 +
 +====== Best Countries for Retirement #2: Cambodia - A Slice of India on a Different Platter ======
 +
 +WBC India
 +In recent years, the countries of South East Asia have become immensely popular retirement destinations. Friendly residents, lukewarm weather, and a humble cost of living are some of the perks of retiring in a country like Cambodia.
 +
 +From the familiar sounds of Sanskrit in the local language - Khmer - to the carvings of the garuda on the walls of the Royal Palace in the capital, Phnom Penh... From the little ganpati statues to the numerous temples scattered across the country - Indian culture reverberates throughout Cambodia.
 +
 +Cambodia makes for a great place to settle in your golden years, because here you could live a more lavish life than most places, with the same amount of income.
 +
 +'A great quality of life is incredibly affordable here. I know one US expat who lives on $300 a month,'​ says Rob, a retiree living in Cambodia.
 +
 +A sneak peek at Cambo
 +Cambodia is a small country with a population of 15 million. It is governed by its Prime Minister, Hun Sen.
 +
 +Cambodia has one of the fastest growing economies in Asia. While agriculture forms its economic backbone, other rapidly growing sectors are textiles, construction,​ garments, and tourism.
 +
 +CSL managing editor Anisa Virji lived and worked in Cambodia for more than a year. Here she shares her experience:
 +
 +When I first lived in Cambodia, I was constantly surprised at the small numbers of Indian travelers and expats in the country. Not to mention the lack of awareness among Indians at home of Indian influence on Cambodian culture. Indian ideas - religions, art, and language, among others - first made their way to Southeast Asia in the first century AD. And they have trickled down through the centuries, leaving their fragrance in Cambodian culture as it stands today.
 +
 +A beautiful country
 +You'll witness lush greenery, luminous rice fields that look like lakes in the monsoons, beautiful beaches and islands, and of course, old temples scattered throughout the countryside.
 +
 +Phnom Penh looks like any medium-sized Indian city, with a population of 1.5 million people. A mostly disorganised city with pleasant bits (especially along the riverside) and some cramped neighbourhoods (around the markets).
 +
 +Phnom Penh is largely safe, but like any city there is some petty crime like mugging, so don't swing your belongings around recklessly.
 +
 +Cambodia has a very large and diverse expatriate population including Brits, Americans, Australians,​ Europeans, Chinese, Koreans, etc. There are a lot of services geared towards them, including international medical services such as SOS.
 +
 +However, such facilities are expensive. There are cheaper options if you choose not to go with international healthcare providers. If ever you need a major treatment, like surgery, we would recommend you go home for it.
 +
 +When in Cambodia, speak Khmer!
 +The local language is Khmer. In Phnom Penh you can easily get by with English, especially in the areas dominated by expats.
 +
 +It would help if you spoke a little functional Khmer to give directions to tuktuk drivers and bargain in the markets. However, English is not spoken in the interiors of the country and you must know Khmer to get ensconced in those regions.
 +
 +No winter in Cambodia
 +Cambodia has only two seasons - monsoon and summer. The humid, rainy season extends from May to October, during which the temperature may occasionally fall down to 20 degrees. That's the coldest it gets. November to April is dry and hot.
 +
 +Cambodia is an ideal place for those who don't like winters, or suffer from a disease aggravated by cold weather.
 +
 +**Content and quiet folks**
 +Cambodians are quite reserved towards migrants. They are smiling and quiet, and it is hard to break the ice and get a better look at their lives. But you will surely get to know people in your neighbourhood and be invited to weddings regularly.
 +
 +From genocide to foreign occupation, many older Cambodians have seen a lot of struggle in their lifetimes. And when you get to know them better, you will learn how these experiences have shaped them.
 +
 +Land of mystical temples
 +Cambodia is a popular tourist destination. Be assured that you'll never be bored on weekends, and no matter how much you explore, Cambodia will surprise you time and again with another exotic place.
 +
 +From royal palaces to beaches and forests...the country is filled with delights and diversions. Cambodia has a rich history and treasures hundreds of mystical temples. Some of these are so intricately designed that you'll be spellbound.
 +
 +Every Indian should see Angkor Wat, the largest temple complex in the world, with its scenes from the Ramayana adorning the walls.
 +
 +Take note of Cambodia'​s currency
 +Cambodia is a no-coin, US dollar economy, meaning that US dollars are accepted almost everywhere, but instead of US coins, change is riel notes. Four thousand KHR (Khmer riel) is roughly one US dollar (or approximately Rs 70).
 +
 +So bring lots of dollars - and make sure they are crisp and new. Merchants are wary of old or creased notes. You can withdraw both USD and KHR from ATMs. Be sure to keep small change (riel notes) to pay for small services such as tuktuk rides or in the local markets.
 +
 +**On visas**
 +Cambodia offers a visa-on-arrival to travellers from almost every country, including India. For about US$25 you can get a 30-day tourist visa.  For a little more, you can get a 60-day business visa. You can then work with a travel agent or an employer to extend your visa. If you get a job (even part time) or volunteer with an NGO, they will willingly process a visa for you.
 +
 +**Plenty of income avenues**
 +If you speak English, it is very easy to find part-time work. Hundreds of private schools all over the country, especially in the capital, are in desperate need of temporary English teachers. Same for affluent Cambodian families.
 +
 +You can also easily start a restaurant or shop of some sort, as evident by the large numbers of Indian restaurants in Phnom Penh and other major towns of the country. We know a little masala shop in Phnom Penh that smells just like home.
 +
 +The vast majority of Indians living in Cambodia work in the pharmaceutical sector (the vast majority of pharmaceutical companies in Cambodia are Indian) or in the telecom industry. Many also work in the NGO/​development sector.
 +
 +**Life in Cambodia**
 +Here's Anisa once again.
 +
 +Living in Cambodia is cheap. For Rs 20,000 per month, you can get a beautiful house or flat in a nice neighbourhood. My friend used to live with his wife and three daughters in a three-bedroom house, with a front yard and mango trees for about that much. Food is inexpensive too, and you can get anything at one of the markets in Phnom Penh - from furniture to clothes to puppies to art for your walls.
 +
 +The Indian community in Cambodia is small but tight-knit. From the pastor from Pune, to the family that works with United Nations, you will stumble across fellow countrymen all over the capital city of Phnom Penh. And if you don't see them at the Indian restaurant down the street, you will certainly meet them at the Diwali celebrations hosted by the Indian Ambassador.
 +
 +====== Best Retirement Cities in India: Surat - Fun, Food, and Festivities ​ ======
 +
 +WBC India
 +A mere mention of the word - Surat - pops an image of diamonds before your eyes. Located in the southern part of Gujarat, Surat is paradise for entrepreneurs and foodies. Ranked as India'​s best city to live in (ASICS, 2013), Surat is one of the fastest growing towns in the world.
 +
 +**Surat: One Of The Fastest Growing Towns In The World**
 +Beyond its rapid pace of growth and modern infrastructure,​ Surat is a land of warm, energetic, and friendly people. The lifestyle is relaxed compared to metros like Mumbai, Delhi, and Bengaluru. It's a blend of everything you want in retirement: a relaxed life in a clean environment that doesn'​t compromise on modernity.
 +
 +**In a Nutshell**
 +
 +Once known as Suryapur, Surat is a city of historical significance. In the epic of Mahabharata,​ Lord Krishna halted here when he travelled from Mathura to Dwarka.
 +
 +Surat proved to be a gateway for the Portuguese Empire in 1512, followed by the East India Company.
 +
 +Today, Surat is the second largest city in Gujarat and eighth largest city in India. Home to five million people, the city has a literacy rate of 89%. People residing here are called Suratis, and they'​re widely known for their business sense.
 +
 +One of the best cities to live in
 +Surat topped the ASICS' best cities chart in 2013, earning the title 'best city to live in'. It's one of the cleanest and best-maintained cities in India. Every corner of Surat has underground drainage and street lights. It has a computerised water distribution system.
 +
 +Despite the fact that Surat is a huge city, you will live amid minimal air pollution as 95% of Surat'​s public transport runs on CNG (compressed natural gas). Pipelined natural gas became a part of the city in the 90s, and it would be available in any part you reside.
 +
 +Retirees need not worry about medical attention while living here. Surat offers advanced health care facilities of all sorts. Care and Adventist Wockhardt Heart Hospitals are Surat'​s full-fledged medical centers.
 +
 +It is projected to be developed as a 'smart city' in near future.
 +
 +Business in its arteries and veins
 +If Surat were a human body, business would pump through its arteries and veins. The local people possess incredible entrepreneurial skills.
 +
 +Surat produces textiles and is known as the Silk City of India. Across the length and breadth of the country, you can find Surti cloth material. Surat is a major hub of diamond cutting and polishing. Ninety percent of the world'​s diamonds are polished here.
 +
 +Besides these industries, the city's other sectors include oil & gas, petroleum, cement, and paper.
 +
 +Hot days and breezy nights
 +Surat'​s weather is like any other city in central or western India. Summers run from March end to June when temperatures lurk between 35 and 40 degree Celsius. Nights are cooler. Monsoon extends from July to September.
 +
 +Easily accessible
 +You can easily reach Surat by train or road. You can even take a direct flight from Delhi or Mumbai.
 +
 +Cultural hub
 +Surat is the place to be in if you're fond of Gujarati culture. It reflects in the clothes and lifestyle of the people.
 +
 +The residents celebrate all festivals with great enthusiasm. But the major highlights are Navaratri and Makar Sakranti. You'll fall in love with Surat after witnessing its enthusiasm for Garba. The kite-flying festival is celebrated with huge excitement on 14 and 15 January.
 +
 +Khakhra, Dhokla, Fafda
 +A popular Gujarati saying goes, Surat nu jaman ane Kashi nu maran (eat in Surat and die in Kashi).
 +
 +Surat is a land of mouth-watering food. You easily find delectable Gujarati cuisine, only it is spicier than in the other parts of the state. Dishes like khakhra, fafda, khaman, petis, locho, and ghari are best tasted here.
 +
 +The popularity of street food shouldn'​t be ignored. People from all sections of the society indulge in street food.
 +
 +Moderately high cost of living
 +Living in an all-round city like Surat comes with a price. It is among the costliest cities of Gujarat. However, you'll find the prices low if you're moving from Mumbai or Delhi.
 +
 +Renting a 1BHK flat would cost between Rs 6,000 and 10,000 a month. Buying one could be anywhere between Rs 10 and 15 lakh.
 +
 +If you're looking to move into a retirement home, Surat offers good options including a luxurious resort called 2nd Innings.
 +
 +Earn easily to make ends meet
 +Being in the city of entrepreneurs,​ you need not worry about finding part-time jobs. From translating to simple typing jobs, from basic accounting to small-scale managing - businesses are always in need of all kinds of workers. If you worked from home for a couple of hours, you could conveniently pay off your monthly bills.
 +
 +Have a glimmering retirement in Surat
 +Life in Surat is colorful. Here festivals are celebrated to the fullest, and weekends are spent in doing more fun activities than just pubbing or partying.
 +
 +If you are a teetotaller,​ living in the 'dry state' of Gujarat will delight you.
 +
 +Surat has several museums, libraries, botanical gardens, and temples. Dumas Beach, 20 kilometres from the city, is a popular weekend getaway.
 +
 +Once Surat got completely devastated due to repeated events of flood, but that didn't deter its growth momentum because attitudes can't be changed. At a point of time it faced an epidemic. But now it is consistently being ranked among the cleanest cities of India. - Harsh, a local resident
 +
 +Surat wasn't destined to be one of the best cities. It's the result of its residents'​ hard work. They'd be a friendly and supportive company to you.
 +
 +Make no mistake, in Surat, you will have a retirement as glimmering as diamonds!
 +
 +====== Best Countries for Retirement #3: Malaysia - A Happening Retirement Not Too Far From Home ======
 +
 +Unless you live in a cave, you must have seen the colourful TV commercials that boast of the breathtaking beauty of Malaysia...and sing of Malaysia as 'Truly Asia'.
 +
 +Malaysia is indeed a microcosm of Asia. It is home to many ethnicities and cultures and is one of the world'​s 17 '​megadiverse'​ countries that inhabit the majority of earth'​s species.
 +
 +With advanced infrastructure flourishing across the country, and warm people in its heart, including a vast Indian community...Malaysia could be your retirement home, not too far from your Indian home.
 +Malaysia - 'Truly Asia'
 +Malaysia is a kaleidoscopic Southeast Asian country with high mountains, dense forests, serene beaches, and lofty high rises. Divided into 13 states, its capital is Kuala Lumpur. Malaysia has a multi-cultural and multi-ethnic society that draws heavily from Indian and Chinese culture. The local folks are called Malays. Here you will find Hindu Malays, Chinese Malays, Thai Malays, Sikh Malays, and of course, Malay Malays.
 +
 +Islam is the major religion in Malaysia, but the country believes in freedom of religion and is a liberal melting pot of varied cultures and religions.
 +
 +Malaysia is home to 30 million people.
 +
 +The native language is Bahasa Malay, and English is an official language. You can easily get by with English in cities like Kuala Lumpur and George Town. However, casual conversations are carried out in Manglish - a combination of Malay and English. Just like we talk in Hinglish (Hindi-English).
 +
 +Dense and diverse
 +Malaysia is a small but highly biodiverse land, sheltering numerous species of flora and fauna. Two-third of the country is covered with thick forests, some of which are over 100 million years old.
 +
 +Malaysian weather is monitored by the surrounding ocean and is very humid. Temperatures lurk between 20 and 30 degrees Celsius throughout the year. Nights are cool. If you like heavy an unexpected monsoon, retiring in East Malaysia would be bliss.
 +
 +A startup hub
 +It is one of the steadily prospering countries of Asia. The economic record is stunning: Malaysian GDP has grown 6.5% per annum for almost 50 years.
 +
 +Natural resources are the base of the economy, with science, tourism, medical tourism, and commerce adding to it. The Malaysian currency is the ringgit. One ringgit equals 17 rupees.
 +
 +Malaysia is emerging as a startup hub. The country supports new businesses and has an impressive startup ecosystem. Retirees may scout and work on business opportunities.
 +
 +For the last two years, there is a marked increase in investments and interest in the startup ecosystem here, both from government and private sector. - Ahmad Salahuddin, a Malaysian on Quora
 +
 +One of the most developed countries in Asia
 +It's no exaggeration to say Malaysia is one of the most developed nations in Asia. The overall infrastructure of Malaysia ranks eighth in Asia and 25th in the world. Fresh water is available to more than 95% of the population. And the quality of the telecommunications and electric supply is a bright feather in Malaysia'​s cap.
 +
 +So retirees need not worry about basic amenities...and can look forward to smooth driving on Malaysian roads.
 +
 +However, corruption levels are quite high and freedom of the press is limited, as major newspapers are owned by the government.
 +
 +On the other hand, foreigners are allowed to own properties, Malaysia imposes no inheritance tax, and no tax on income repatriated from overseas.
 +
 +Malaysia offers advanced healthcare facilities and is an international medical hub. It attracted over 800,000 healthcare travellers in 2015. While living in Malaysia, you need not worry about health issues. You can learn about medical insurance here.
 +
 +A foodie fiesta
 +The country is paradise for food aficionados. Malaysian cuisine is as varied as its cultures. Thai, Chinese, Indian, Spanish, Mexican - with local seasoning - and Malay delicacies will hook you for life. Street food is popular in Malaysia - delicious and cheap.
 +
 +If you're a vegan or crave for Indian food, there are plenty of restaurants to turn to! Some popular ones are Annalakshmi Vegetarian Restaurant, Sri Nirwana Maju, and Saravana Bhawan.
 +
 +Traveller'​s haven
 +Malaysia is a charming country that lures travellers from all parts of the world. Be it the Petronas Towers of Kuala Lumpur (once the tallest towers in the world), the culinary mecca of Penang, the island of Borneo, or the UNESCO world heritage city of Malacca...you will never be short of options for weekend getaways.
 +
 +Cost of Living
 +Your cost of living will largely depend on the city you retire in. For instance, living in the happening city of Kuala Lumpur might cost you around 3500-4500 ringgits (Rs 60,000 - 75,000) per month. Renting a 1BHK in a decent locality of Kuala Lumpur may cost you 1100-1500 ringgits (Rs 18,000 - 25,000). Food prices are quite reasonable. A plate of street food should cost you $2 (Rs 140).
 +
 +Kuala Lumpur has a cosmopolitan feel. With expats living from all over the world, the city is vibrant and warm. It is also a nightlife and shopping hub.
 +
 +Other cities in Malaysia are cheaper...and less populated. Here are the top five cities in Malaysia and their cost of living.
 +
 +Why we recommend Malaysia
 +Malaysia is one of three countries in Southeast Asia that offer a special retirement visa for expatriates. The Malaysia: My Second Home program, a retirement visa system, has branded Malaysia as a foreign retirement country.
 +
 +Though Malaysia imposes few guidelines for the retirement visa, the applicant must have a monthly income of US$2300. And married couples must have a combined balance of $50,000 (Rs 35 lakh) in a Malaysian bank account. For single retirees, the amount is $33,000 (Rs 23 lakh).
 +
 +Malaysia might come at a price, but it offers great value. Constantly ranked among the top retirement havens in the world, Malaysia opens its arms to you...
 +
 +====== Best Countries For Retirement #4: Mauritius - A Dream Island ​ ======
 +
 +Editor'​s Note: Our in-house editor Ritika recently returned from Mauritius and couldn'​t stop raving about what a peaceful and relaxed place it is. As usual, a vacation away from the bustling city of Mumbai made her realise how important it was to consider life, mabe even retirement, away from an urban jungle.
 +
 +--------------------------------------------------------------------------------------------------
 +If you dream of retiring to an island that has white sand beaches, turquoise lagoons, and impeccably blue skies...Mauritius is your place. An isolated island in the heart of the Indian Ocean, Mauritius is a blend of beauty, bio-diversity,​ and cosmopolitan culture.
 +
 +In a Nutshell
 +The moment you land in Mauritius, your heart and lungs will thank you. A home to a pollution-free environment,​ it secures a top position in global air quality index. Every second person here is an Indian, thus you never feel away from home.
 +
 +Let's hear out Ritika'​s experiences.
 +
 +In Mauritius, I met many third generation Biharis whose ancestors had moved there to help with sugarcane farming. In fact, I met a lady who recently relocated from Mumbai and started a travel agency... She now feels completely at home and also visits Mumbai often due to the close proximity of Mauritius to India.
 +
 +An Uninhabited Island
 +Mauritius was an uninhabited island until the Dutch settled here in 1638. They named the island after Prince Maurice van Nassau. However, they abandoned the island in 1710. It was then a French colony for 100 years before the British invaded and occupied it. Mauritius finally gained independence in 1968.
 +
 +The French influence is seen in everything... From the plantation homes that have chateau-like architecture to the cuisine, dotted with crusty breads and cheese...the French have firmly left their imprints here!
 +
 +Let's Get the Facts
 +A home to 1.3 million people, Mauritius'​ capital is Port Louis. It shelters a peaceful and multi-ethnic population, almost half of which is Hindu. It is a democratic country where a government is elected every five years.
 +
 +The official languages are English and French. Creole is also used on a daily basis. However, don't be surprised if you find people speaking Hindi and Bhojpuri in Mauritius because a huge part of the population is from India...
 +
 +The Indians we met told us their ancestors had come there almost a hundred years ago... While their ancestors were farmers, the second and third generation had now moved on to more lucrative industries like travel and hospitality. But they still keep their tradition alive and you will get a taste of their fare, with '​sambosas'​ and '​farathas'​ available in most places.
 +
 +**A Flourishing Island**
 +Mauritius is developing rapidly and it shows in the facts. It ranks first in the Index of African Governance. It is also among the top countries in the Global Peaceful Index. In a survey conducted by Forbes on the best countries for doing business, it was the only African nation among the top 40 economies.
 +
 +Mauritius'​ infrastructure is flourishing by the day. Living here, you would not have to worry about basic facilities like water, roads, and electricity;​ everything is in place.
 +
 +The best parts of Mauritius are the wide and clean roads, with sugarcane fields on both sides. The island is small and compact and you can get from one end to another at a motorable distance of not more than an hour. But you do face peak traffic and you will need to invest in a car to get around.
 +
 +Port Louis is studded with advanced healthcare facilities and modern hospitals like Apollo and Fortis.
 +
 +Mauritius is paradise for the lovers of seafood and multi-cuisine dishes. If you love to indulge in desi street food, then you won't miss it while residing here.
 +
 +The currency of Mauritius is the Mauritian rupee. And 1 MUR equals 2 INR.
 +
 +**Hot and Humid**
 +I was there in May. The days were hot and humid...but as tourists we managed to accomplish a lot in a day. The temperature dropped in the nights, but marginally... Mosquitoes though prevented us from enjoying the cool night air, and we were often trapped indoors.
 +
 +The climate one finds here is typically tropical. While it is hot and humid from November to March, it is warm and pleasant during the rest of the year. The winter months are July and August when the temperature drops to 16 degrees Celsius... And that's the coolest Mauritius gets.
 +
 +If you live here, you'd find that the country sees monsoon right in the heart of summer. Mauritius is prone to heavy rainfall in January and February, and witnesses occasional tropical cyclones.
 +
 +Leisure
 +One of the world'​s top tourist destinations,​ Mauritius treasures plethora of attractions for you to fill your weekend.
 +
 +These include SSR Botanical Garden, Le Morne Cultural Landscape, Black River Gorges National Park, and Crocodile and Giant Tortoises Park and Nature Reserve. The lovely beaches also add to the tranquility and charm.
 +
 +If you enjoy watersports,​ then you can go for a multitude of water activities including scuba diving, undersea walking, and snorkeling. If you prefer calm getaways, then you can enjoy boating, fishing, and walking on the white beaches. You will also find many golf courses.
 +
 +Mauritius has a very pretty Hindu temple, which houses all the Indian gods and a huge statue of Shiva... Another of goddess Durga was being built at the time I was there. The temple was clean, well-maintained,​ and an attraction for many Indian and foreign nationals.
 +
 +Mauritius has plenty of activities and it is unlikely you will get bored. I wish I had a few more days there!
 +
 +Visa
 +Mauritius is paradise and it doesn'​t come easy. To acquire the non-resident retiree visa, you have to...
 +
 +Be at least 50 years of age
 +Transfer to your local bank account an amount of $40,000 (Rs 2,700,000 or an equivalent sum in any currency) annually
 +Only married spouse and dependent children under 18 years can accompany you. You can learn more about the retirement visa here.
 +
 +**Living in Mauritius**
 +The dream island of Mauritius comes with a price. If you are shifting from India, then you will find the cost of living incredibly steep. But if you have previously lived in the US or European countries like France, Germany, England, etc, Mauritius will seem fairly reasonable.
 +
 +You can rent a studio apartment or 1 BHK within 6,000 - 13,000 MUR (Rs 12,000 - 25,000).
 +
 +From a tourist'​s perspective,​ Mauritius was expensive. Simple meals came up to INR 400-500 per head. Transportation was also steep, and cabbies quoted unreasonable sums for small distances. But I'm sure residents have it figured out. Anyway, the clean air and the quality of living definitely makes it worth the price!
 +
 +**Working in Mauritius**
 +You can pursue part time jobs to help pay your bills. Mauritius'​ major industry is tourism and thus it offers plenty of avenues to work as a travel guide, travel consultant, etc.
 +
 +If you wish to work from home, you'll find enough opportunities to work as a content writer, accountant, translator, etc.
 +
 +Mauritius is ideal for the laidback retiree who wants a peaceful life in island environment. Unlike beaches that otherwise turn into busy spots of nightlife and glitz, Mauritius retains its quaint and quiet appeal.
 +
 +What's more it's clean air, fresh seafood, and deep connection to India will make you feel healthy, happy, and always at home.
 +
 +====== Best Retirement Places in India: Goa - 365 Days of Holiday ======
 +WBC
 +When I reached Goa first time, it seemed as if the place was asking me to slow down in life...and breathe. After all, peace matters most!
 +- SK, 27
 +
 +Located in a serene corner on the western coast, Goa is a dream destination. It defines the laid-back lifestyle. One comes here to savour a relaxed, '​chilled'​ life. A highly popular tourist destination among the youth, Goa could be a retirement haven as it promises clean air, blue skies, and a simple way of life.
 +
 +A small place with a small population
 +Only a few places in the country have the privilege of not being called '​over-populated',​ and Goa is one of them. It is one of the smallest states in India and has the fourth-smallest population. Panjim is the capital city. Madgaon and Vasco da Gama are other big towns. Goa is home to 1.5 million people and has a high literacy rate of 88%. Hindus constitute the largest part of the population followed by Christians and Muslims.
 +
 +Goa shares its boundaries with Maharashtra on the north and Karnataka on the east and south. To its west lies the Arabian Sea. Enclosed by Western Ghats on most sides, Goa is rich in biodiversity.
 +
 +A slice of Portugal in the Western Ghats
 +Goa's history goes back thousands of years. Rock art carvings exhibit strong evidence of Paleolithic life.
 +
 +Goa is a former Portuguese colony, and you can easily see the imprint of Portuguese culture even today.
 +
 +Basilica of Bom Jesus, Goa
 +
 +3 Hacks for the Young Indian Investor
 +Source: Pixabay
 +
 +It is a treasure of Baroque architecture - a building style practiced in Europe in the 16th century. The Basilica of Bom Jesus is a fine specimen of Baroque architecture. Goa is home to numerous buildings erected in the Portuguese style. Even some temples - like Mangueshi Mandir - draw influence from the Portuguese architecture.
 +
 +Three distinct goas
 +Don't be surprised if you see three distinct faces of Goa. One is what the tourists see...the Calangute-Baga-Anjuna stretch in north Goa and Palolem in south Goa. The whole ecosystem here is favourable to tourists - Indian and foreign - who just want to chill.
 +
 +North Goa seems like a huge country where houses are located at a distance and give a '​remote'​ feel. If you choose to settle here, the cost of living will be quite high, but at the same time you will find better opportunities for business. Though you will be in the middle of a booming tourism industry, you will have a quiet life.
 +
 +The second is urban Goa. The cities of Panjim, Vasco da Gama, and Madgaon are developing by the day. Here you can savour modern infrastructure and cosmopolitan life; most facilities will be at your doorstep - daily needs and healthcare.
 +
 +The third is the rural Goa. Far away from the tourist spots, rural Goa is draped in Konkani culture, and the local folks lead a normal life practicing agriculture,​ mining, etc.
 +
 +You will find different kinds of people in different parts of Goa. However, you can easily get by with English and Hindi in any part of the state.
 +
 +Hot and humid
 +You can be sure of one thing while retiring in Goa: It won't be cool even in January. Situated in the coastal area, Goa witnesses a hot and humid climate for most of the year. The monsoon rains arrive in June and last till September.
 +
 +In Goan words, the weather is always suitable to grab a pint of beer.
 +
 +A personal vehicle is recommended
 +Goa is well-connected with the major cities via road, rail, and airways. Many direct trains from Delhi, Mumbai, and Bangalore can be found on a daily basis. Goa has an international airport and regular flights to Sharjah, Kuwait, Dubai, Muscat, and Doha in the Middle East.
 +
 +However, local transport is mostly private and offers average service. Local buses operate for limited hours and might affect your mobility. We recommend that you own a private vehicle, especially if you retire in northern Goa.
 +
 +Seafood haven
 +If you love to indulge in delectable fish, exotic crabs, and other seafood cooked in coconut oil...Goa is your place. It has rich wine culture and its own local beverage called Feni, which is made from the fermentation of the fruit from cashew tree.
 +
 +The prices of alcohol, particularly beer, are remarkably low. A pint of beer that sells for Rs 120 elsewhere can be bought here for as low as Rs 35.
 +
 +What is best tasted in Goa? Prawn curry and fish recheado.
 +
 +Weekend is around? You live in GOA
 +Goa attracts millions of tourists from around the world every year. When in Goa, you need not worry about leisure and recreational activities. Numerous beaches, vintage churches, museums, waterfalls, etc surround you. The Goan Carnival and New Year celebrations are two events you won't want to miss.
 +
 +Tito's Bar & Cafe and Curlies are popular places to enjoy live music and drinks. Chapora Fort will charm you and make you reminisce Dil Chahta Hai. Dudhsagar, though quite far, is a majestic waterfall best visited in rainy season.
 +
 +Income avenues
 +Tourism being the main industry, Goa offers a plethora of income avenues to retirees. If you know some foreign languages, you can guide foreign tourists and make good income. You can also host tourists via AirBnb.
 +
 +Goa lacks good transport facilities. A few of my relatives provide transportation to tourists from one place to another. They sought an untapped market and are now making a good buck.
 +- LM
 +
 +If you can invest in a small business, then Goa can help you explore your entrepreneurial side. From a transport business to small cafes and lodging, the opportunities are plenty.
 +
 +Cost of living
 +Living in Goa will definitely seem easy on the pocket if you're shifting from a metro city. It is almost as expensive as Bangalore or Pune. Renting a 1BHK space in Panjim might start from Rs 7,000. As you go north, it might range between Rs 8,000 and 10,000. Owning an independent house in north Goa will cost you a minimum Rs 80 lakh. Other living costs are on par with any 3-tier city.
 +
 +There is more to Goa than the kaleidoscopic blend of India and Portugal. It is the land of sun, sea, and sand...and inexpensive restaurants too. So date your better half again...and retire young in the most happening state of India.
 +
 +====== Best Retirement Cities in India: Port Blair - Simplicity, Serenity, Solitude... ======
 +
 +If getting marooned on a beautiful island is your retirement dream, Port Blair is for you. Located in Southern Andaman, Port Blair is a small, beautiful town in the heart of the Bay of Bengal. Its serene beaches, crystal clear waters, and lush forests make you think you are living in foreign land...but Port Blair is more or less a typical Indian town.
 +
 +The city is the capital of Andaman and Nicobar Islands - a conglomeration of 570 islands and one of the seven union territories of India. If you wonder whether Port Blair would match your lifestyle and have good retirement facilities, it probably would. It is soon to be developed as a smart city under Prime Minister Modi's ambitious Smart City Project.
 +
 +An old-world town
 +The first thing you notice about Port Blair is its intriguing history. The neat and quiet town completely retains the '​old-world'​ charm. You would know this if you witness its colonial relics or many Japanese bunkers.
 +
 +Not to forget the national Cellular Jail, popularly called 'Kala Paani',​ erected at the beginning of the 20th century. The British used the infamous prison to exile political prisoners and several freedom fighters. Today, the vintage prison stands as a national memorial monument.
 +
 +Small, Peaceful, Serene...
 +You can roam around the entire city and come back to the same point in 45 minutes. Being in a small place, almost everyone knows each other. - AS, a local resident.
 +
 +Port Blair is a cosmopolitan blend of people from different cultures and ethnicities. The community is made up of Bengali, Telugu, Tamil, Malay, and North Indian folks. You can easily get by with Hindi in any part of the city. Hinduism is practiced by majority of people, followed by Christianity and Islam.
 +
 +The city is mostly a crime free, peaceful place. Being a union territory, Andaman and Nicobar Islands don't witness the politics that comes with a state legislature. Port Blair is the headquarters of Andaman and Nicobar police. It is also the local administrative sub-division (tehsil) of the islands.
 +
 +You will be intrigued to know that Port Blair is the only place in India where the Indian Armed Forces - the army, the navy, and the air force - are jointly commanded by a single chief.
 +
 +Connectivity
 +Port Blair is the gateway to Andaman and Nicobar Islands. You will find direct flights from Chennai, Kolkata, New Delhi, Bhubaneshwar,​ and Vishakhapatnam. But it takes three-four days to reach Port Blair by sea route from Chennai, Kolkata, and Vishakhapatnam.
 +
 +Weather
 +Port Blair is mostly hot and humid throughout the year. The temperature lingers between mid-twenties and mid-thirties. It drops a bit in January and February, but you never experience any chill in the air.
 +
 +Rains are notorious in the Andaman and Nicobar Islands and only the period from January to March can be called '​dry'​. Rains arrive in mid-April and last till December.
 +
 +Food
 +If you love to indulge in sea food, Port Blair is paradise for you. While living here, you can savour fresh sea food throughout the year. The Andamani fish curry is something to drool over.
 +
 +In case all you want is a scrumptious plate of vegetarian food, you won't be disappointed as there are a couple of vegetarian restaurants like Annapurna, Icy Spicy, etc. All in all, whatever your taste may be - from North Indian to South Indian cuisine...or even Italian, Chinese, and Thai for that matter - you will find every cuisine here at quite a reasonable rate.
 +
 +Leisure
 +The islands of Andaman pull thousands of tourists every year. Living in Port Blair, you would be surrounded by impeccably blue waters, beautiful islands, and clear skies. There are enough getaways around Port Blair to make your weekends colourful.
 +
 +-Ross Island and other islands
 +
 +Located two kilometres from the city of Port Blair, Ross is a beautiful island where you can find several buildings of yore - museums, churches, bungalows, etc. A weekend trip to this secluded island and you'd find your senses tranquilised.
 +
 +-Cellular Jail
 +
 +Now a memorial monument, the cellular jail hymns the struggle of freedom fighters such as Veer Savarkar and Batukeshwar Dutt. A place you must visit for its stories and architecture.
 +
 +-Adventure Sports
 +
 +You can find many water adventure sports around Port Blair. If you are an adrenaline junkie, you can easily indulge in activities such as snorkelling,​ scuba diving, jet-ski, banana boat rides, and more on the islands.
 +
 +Nightlife in Port Blair won't appeal to you if you love to go pubbing or bar hopping.
 +
 +Income Avenues
 +Agriculture,​ trade, and tourism form the backbone of Andaman'​s economy. The tourism industry offers scope for small businesses like cafes, Airbnb, etc. If you can learn some foreign languages, you can guide international tourists across the islands.
 +
 +You can also work from home on a part-time basis. Look for some opportunities here.
 +
 +Living in Port Blair
 +Port Blair recorded a population of one lakh in the 2011 consensus. Living here is as costly as in a two-tier city in any part of the country. You can rent a two BHK apartment for Rs 8,​000-10,​000.
 +
 +As for the retirement community, a rich blend of people is here to fraternise with. You can find many communities to blend into. Port Blair has good medical facilities - equipped hospitals, trained medical staff. It has air ambulance facilities too. You need not worry about healthcare while living here.
 +
 +Port Blair is a beautiful town that was ordained to be aloof from the mainland. It is draped in seclusion and quietude. If gazing stars at night and listening to the faint sound of sea waves is your idea of retirement, don't think again and move to this land of simplicity, serenity, and solitude.
 +
 +====== Best Retirement Cities in India: Bhubaneshwar - Retire to the Land of Gods ======
 +
 +Located in a corner of India, Bhubaneshwar is seldom thought of as a retirement destination. But it could be the perfect place for you.
 +
 +Bhubaneshwar is the capital of Odisha and the largest city in the state.
 +
 +Bhubaneshwar is the confluence of serenity and modernity, you find temples with their pious aura as well as malls and shopping stores at par with major metropolitan cities of our nation. The climate is awesome, relaxing and rejuvenating:​ neither too cold not too hot. Cool breeze to pacify your soul in evenings and rains that uncover the mesmerizing beauty of nature. - Shikhar, a resident on Quora
 +An ancient town
 +The history of Bhubaneshwar dates back to the first year of the common era and even before that. Often referred to as 'the temple city of India',​ it preserves numerous temples from the eighth and twelfth centuries that depict ancient hues of Kalinga architecture.
 +
 +With Puri and Konark, it forms the Swarna Tribhuja - one of eastern India'​s most visited destinations.
 +
 +It's a city of paramount religious importance.
 +
 +And modern at the same time...
 +The modern city of Bhubaneshwar took shape in 1948. It replaced Cuttack one year later as the state. Along with Jamshedpur and Chandigarh, Bhubaneshwar was one of the first planned cities of independent India.
 +
 +Bhubaneshwar is developing fast. It was declared a Tier-2 city after the consensus of 2011. Bhubaneshwar and Cuttack are cited as 'the twin cities of Odisha'​ and together they have a population of about two million people.
 +
 +The town is a big IT and education hub and holds a top position in the government'​s smart cities list. City residents are likely to witness high-end infrastructure development in the near future.
 +
 +Bhubaneshwar is well connected with major cities in India by rail and road. Biju Patnaik international Airport is located in the south of Bhubaneshwar. Travel within the city should be easy, as you can easily find online cab services like Ola, Uber, and Jugnoo.
 +
 +Pleasant climate
 +In Bhubaneshwar,​ you will mostly experience a pleasant temperature of 27-28 degrees Celsius. However, be ready to face summer at its peak in May when the temperature jumps up to 42 degrees. In January, it cools down to 15.
 +
 +The city sees heavy rainfall in the month of August.
 +
 +Recreation
 +While staying in Bhubaneshwar,​ you don't have to worry about weekend plans. If you're a religious person, you will be spoiled for choice as Bhubaneshwar is said to have hundreds of temples. Some of the famous temples are Lingaraj, Muktesvara, Rajarani, and Ananta Vasudeva.
 +
 +History buffs can visit the Odisha State Museum.
 +
 +Rath Yatra is the most important festival in Odisha and Bhubaneshwar. Hundreds of devotees participate in pulling a mammoth cart carrying a thousand deities. The festival attracts lakhs of people every year.
 +
 +The city treasures rich culture. Adivasi Mela, held in January every year, exhibits art, artefacts, tradition, culture, and music of the tribal folks of Odisha.
 +
 +A city of opportunities
 +You may be surprised to know that Bhubaneshwar was ranked as the best place to do business in India by the World Bank in 2014.
 +
 +The economy thrives on tourism, IT, and education. Home to institutes such as AIIMS and IIT, scholars and educators could pursue part time teaching and tutoring while living in Bhubaneshwar.
 +
 +The city has many other part-time income avenues, which you can find here.
 +
 +Living in Bhubaneshwar
 +Cost of living in Bhubaneshwar is pretty much same as in any other Tier-2 city in India. You can rent a well-located two-bedroom house for Rs 6,000-Rs 10,000.
 +
 +If you intend to invest in property, you can check the real estate prices here.
 +
 +People in Bhubaneshwar are actually really good. Especially I liked their culture and the way they try to inculcate good moral values into their children. The ladies would wake up early in the morning, pluck flowers to offer to their God, clean the house and decorate it with Rangoli outside the door each and every day. The food they prepare is specially very nutritious. No wonder, people in Odisha have such good skin and hair. - Harshita on Quora
 +Living in Bhubaneshwar will expose you to a variety of cuisines. If you're fond of seafood, you will love to be here. The staple food is rice and fish curry known as machcha jhoro. The city is also a paradise for street food lovers. Items such as gupchup and cuttack chaat are popular.
 +
 +Why Bhubaneshwar?​
 +'​...the slow pace of the city allowed people to stop and look at beautiful things going in their life and enjoy them. People were not in a rush to get their work done rather they would stop their car on a roadside stand and enjoy a plate of Dahi-bada Aloo Dum or Puchka (Two great delicacies of Odisha).'​ - Varun, a resident on Quora
 +Being in Bhubaneshwar means being amid spirituality,​ good people, good food, a slow lifestyle, and peace. Just what people need in the relaxing times of their life. Choose to retire in the land of gods, and colours, and tranquillity.
 +
 +====== Retire Next Year #17: Best Retirement Communities in India ======
 +
 +When people are in their golden years, all they want is peace and well-being. Free from all kinds of responsibilities and obligations,​ they look forward to breathing fresh air, indulging in leisure and having some good times. While retiring on a hill station or in a seaside town may bring peace to your senses, it won't fulfil an important aspect of retirement - socialising with like-minded people.
 +
 +Socialising is critical to the well-being or retired individuals - in fact, studies connect positive social environments to improved quality of life, mental well-being and physical health.
 +
 +Additionally,​ you may want to retire where you have ready access to amenities and healthcare facilities, designed for you. It is essential that you choose a retirement destination keeping all these factors in mind.
 +
 +Therefore, in today'​s letter, instead of talking about great retirement towns as we usually do, we bring to you four retirement communities...where you will people from all walks of life, impeccable infrastructure,​ prompt healthcare and other facilities.
 +
 +Anandam, Kodaikanal
 +Anandam is situated at the foothills of lush green Western Ghats in Kodaikanal - the fresh air there is a blessing for your lungs and overall health. Not only is Kodi a lovely place to live, Anandam has some lovely houses, and has received many accolades and an award for the Best Retirement Development of the World and is also the most awarded Retirement Community in India
 +
 +I feel Anandam to be the best suitable place for our requirement. I have booked 2 Villas at Anandam. We find the people at Anandam to be very cordial.We have visited the site several times and find it to an ideal place to settle down and it has a beautiful atmosphere. The food and the services are very good. - P R Sheshan, Ex- Joint Secretary ( Govt of India)
 +
 +An internationally managed organisation,​ Anandam seems to have mastered the art of creating positive retirement communities.
 +
 +What's good?
 +At Anandam, you can customise a lifestyle that you want. There are myriad recreational activities especially designed for senior citizens. These include golf, football golf, tennis, croquet, and movie screenings. At night you can indulge in activities like Tambola, Music & Karaoke Nights.
 +It has an advanced infrastructure with ambulance facilities, treated water supply, generators installed for power backup, cafeteria, etc.
 +A tie-up with healthcare centres like Apollo, Sreedhareeyam Eye Hospital, Ayurveda Hospital, etc. ensures safety and medical attention 24X7.
 +Anandam has multiple luxurious villa options viz., 1BHK, 2BHK, 3BHK. While few villas are available on rent, you can reach them for prices and other details here. Anandam also offers a trial stay. You can book it here.
 +
 +AAMOKSH, Kasauli
 +Spread over acres of land in Kasauli, Aamoksh retirement homes are senior citizens'​ paradise. Overlooking lush green valleys of the Himalayas, Aamoksh has around 88 apartments and a club for entertainment. It is haven for those who believe in a luxurious assisted living.
 +
 +I chose Aamoksh because of its vast expanse of land and its openness. The amenities and facilities that Aamoksh offers is a blessing for its residents. - AG
 +
 +The retirement community believes that retirement homes are not about institutional meals and poky apartments. The contemporary senior citizens believe in energetic lifestyle hence their homes have to have vigour.
 +
 +What's good?
 +Aamoksh believes in being young at 60. They don't follow deadlines for meals, or a time-bound schedule. You can feel home at Aamoksh.
 +Set in Kasauli, Aamoksh is paradise for those who want to see picturesque views, serene sunsets, and beautiful mountains.
 +Studded with modern amenities like club house, swimming pool, medical and physiotherapy,​ centrally heated apartments, senior friendly gyms, dining area, restaurants,​ wifi, etc., Kasauli is about leading a lavish life.
 +Aamoksh offers 88 apartments - 2 BHK, 1BHK, and studio options. To know about how you can stay at Aamoksh, go here. Aamoksh is located in Kasauli - about 50 km from Chandigarh, which happens to be the nearest airport and Kalka being the nearest railway station.
 +
 +Suvidha Retirement Village, Bangalore
 +Suvidha is a new age retirement village on the outskirts of Bangalore. Spread over an area of 30 acres - including a three acre lake in its heart. Suvidha boasts of landscaped areas with a plantation of over 3000 trees.
 +
 +If you want to spend your golden years in a countryside that is full-fledged with modern day facilities, Suvidha retirement village is the place to be. It is for those who work hard all their life, and hope to retire to a quiet place to read novels underneath lukewarm sunlight.
 +
 +What's good?
 +A countryside feel with modern-day lifestyle and healthcare amenities, Suvidha has over 150 cottages amid lush greenery.
 +The retirement village doesn'​t compromise on facilities. It has peaceful walkways, meditation centre, gymnasium, yoga and massage centre, badminton and table tennis court, unisex salons, etc. It also offers advanced healthcare facilities such as a small operation theatre, a clinic for dressings and first aid, and several equipment for cardiac patients.
 +
 +Suvidha retirement village believes in eco-friendly lifestyle. They follow an eco-friendly waste management system that takes care of both kitchen and garden waste. They also have an organic kitchen garden, and a community garden space where you can grown your own herbs and vegetables.
 +Suvidha is located approximately 20 kilometres from the heart of Bangalore. Here is how you can make your way to the retirement village from Bangalore. To enquire about cottage bookings, reach them here. You can ask your queries about Suvidha here.
 +
 +Serene senior living is a chain of retirement communities located in Chennai, Coimbatore, Pondicherry,​ and Kachipuram. You can choose any location as per your convenience. Their row houses and apartments are an epitome of luxury, comfort, and simplicity.
 +
 +Serene is one of those very few organisations that realises the difficulties and requirements for senior citizens. - NS Paidan
 +
 +If you aim to spend your retirement years amid friends and a plush lifestyle, Serene Senior Living is for you.
 +
 +Soldier
 +What's good?
 +Situated in multiple cities, it gives you a choice to retire where you want.
 +Home of posh and classy retirement homes, Serene gives you a luxurious space to live. Taking care of all the basic needs of senior citizens, Serene Senior Living provides an extraordinary infrastructure that takes care of healthcare, transportation,​ hygienic food, etc.
 +Other amenities include Wi-Fi services, library, gym, indoor sports, etc.
 +As it is situated in multiple cities, you can visit the website to choose your retirement destination. Serene offers gorgeous row houses, villas, and lavish apartments - you can pick the accommodation as per your convenience and budget.
 +
 +If you liked hearing about these retirement communities,​ and would like to learn about more of these in India, let us know by replying to this email.
  
retire-next-year.1529053176.txt.gz · Last modified: 2018/06/15 14:29 by 171.60.242.59