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 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
+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.

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