Perspective On Our Changing World

Age, general health and social makeup of each of us make tremendous differences in how we approach and cope with today’s fast-changing world.

For those of us at the upper end of the spectrum there are calls from a certain segment of society that we must be willing to “die for the Dow.” Literally, there are howls from certain media outlets and groups that make this our destiny, that encourage the medical field to just write us off so that supplies and medicine can be directed to the young and so the rest of the world can get back to worrying about the economy rather than the pandemic.

This is a huge turn from our nation’s wars when the young were called to save our democracy – not our dollars.

For the youngsters among us, the current dual crises of the pandemic and the economic collapse is utterly devastating. They can’t understand the need to self-isolate, or stay at home when they are at an age for parties and fun. They can’t understand why jobs must disappear for now. Unemployment is rocketing upward even as the Dow makes a hesitating recovery. But we are far from a stable economy and a healthy populace. The youngsters need to understand that the older generation has much to share, much to give and a much greater perspective. When the youngsters ignore the social restrictions now being imposed or yet to come they directly endanger the oldsters. Their parent and grandparents. The parents and grandparents of others. The political leadership of the nation – many of whom are old.

But the intense feelings against social isolation are not restricted to the young. Many of the older folks chafe at the restrictions. Extroverts find it very, very depressing and discouraging to be cut off from their normal social outlets – golf, bridge, shopping, parties, dinners and more. It is very difficult to accept that the world’s longest border, the 5,525 mile line between the U.S. and Canada, is not fully open today due to restrictions imposed by each nation. It is hard to contemplate that Prince Charles, heir to the British throne, is suffering from the Corona virus.

Our society has seen a lot of this before. The Great Depression – 1929-1941 – disrupted the lives of millions. World War II did so as well, putting millions of women to work for the first time. Before all that in the U.S prohibition sent women to the speakeasies alongside their men because Americans, like Canadians, simply don’t like to be told what to do. The Spanish flu of 1918-1919 killed tens of thousands in a manner much like the Corona virus of today. There were no individual funerals. Obituaries – those last words of kindness about a departed one – consisted of a list of names of those who had died. Burials were often en masse.

The aftermath of 9/11 devastated many lives, disrupting trade and the economy. The financial collapse of 2007-2008 engendered great distrust in a U.S. government that gave away billions intended to help the economy, but resulting mainly in further enriching the rich. The $2+ trillion stimulus working its way through the U.S. Congress this week is likely to do much the same, though it is spreading some crumbs for the working class, or at least for those who pay income taxes.

If there were magical solutions, we all would be wildly waving our wands. But, alas, there are no magical solutions. We simply must have patience as our nations work through it. There will be better days ahead for those who survive, as most of us will.

May God Bless America.
May God Save the Queen.
And don’t forget to wash your hands – thoroughly and often.

Micro Investing May Bring New Investors

Real estate investing may still feel out of reach to many consumers, but a new trend growing from startups is fostering “micro-investing” to help a new wave of investors jump in – sometimes for as little as $5. It sounds a bit like penny stocks, but property, not stocks, is involved.

“The best portfolios are diversified, and real estate performs very uniquely, in a way that is uncorrelated to the stock market and bonds…. We want to offer the same asset at a lower price point,” Janine Yorio, founder and CEO of Compound, a real estate micro-investment startup offering an app that allows micro-investors to purchase shares of properties the company hopes to sell at a profit for investors.

Following a model similar to real estate investment trusts, micro-investing companies offer investors the chance to become part owners of a property. “REITs are just like owning stock, subject to stock market volatility and other unrelated factors to the actual performance of a property,” Darren Powderly, co-founder of CrowdStreet Inc., a micro-investment company that allows investors to buy shares of commercial real estate nationwide. “So in addition to REITs, savvy individual investors add private real estate to their portfolios for greater diversification and returns.”

The startup Compound says it intends to raise $10 billion a year to purchase properties and make them available as micro-investments. To date, the company has raised $2 million. Compound currently allows people to invest in a share of a luxury apartment in Miami Beach’s “Billionaire Bunker” island for $260. After three to five years, Compound will sell the properties and then distribute the profits to the investors.

“We’re looking to give people access to properties they would want to own for themselves and are proud to say they own a part of—but that also makes a great long-term investment,” Yorio told Yahoo Finance.

Storage Solutions for Home & Business

Storage Solutions for Home & Business

Need to declutter to sell a property? Have too much stuff on hand at your home, office or business? Need someplace to hold the stuff in this era of stocking up?

There’s a Dino’s near you where you can keep your stuff safe & secure! Dino’s Storage offers indoor storage, climate controlled or not, outdoor storage, parking.and even free use of a moving truck. We even have specialized contractor bays at some locations. We have packing materials, mattress covers and boxes available, too.

Access hours and office hours vary. Please check on our website www.dinosstorage.com for details on the location you prefer: Or you can call us at 402-916-4015.

Here’s the list of our locations:
Nebraska
Bellevue – 1001 Cornhusker Rd. – 402-293-4667
Elkhorn – 20800 West Dodge Rd. – 402-289-0923
Lincoln – 1945 N. 84th St. – 402-486-3466
Omaha Midtown Crossing –2724 Douglas St. – 402-553-0828
Omaha Downtown – 2757 Harney St. – 402-345-3466
Omaha Aksarben- 5328 Center St. 402-504-4600
Omaha Millard – 14301 Josephine St. – 402-896-6500
Omaha West Maple – 14650 W. Maple Rd. – 402-916-4441
Omaha Benson – 7201 Maple St. – 402-614-7356
Omaha Blackstone – 4412 Dodge St. – 402-502-4948
Omaha Little Italy – 1220 S. 13th St. – 402-502-0553
Omaha Stockyards – 4520 S. 36th St. – 402-800-3770
Papillion – 921 Cedardale Rd. – 402-331-1555
South Omaha – 2816 B St. – 402-502-3540
West Omaha – 4876 S. 192nd St.
Iowa
Bondurant – 411 Brick St. SE – 515-967-9346
Des Moines – 5327 SE 14th St. – 515-953-3466
Urbandale – 4880 NW Urbandale Dr. – 515-251-5967
Manitoba
Winnipeg – 1569 Orange St. – 204-772-0526

Dino’s has been providing excellence, safety and security in storage since 1998.

Health Care Comes to Patients

It has become easier for consumers to finding a health professional nearby and on short notice – even in the evening or on weekends. Check-ups, minor illnesses and vaccinations can now be handled at supermarkets, pharmacies and other retail outlets, while stand-alone urgent care and outpatient surgery centers are cropping up in neighborhoods where people live and shop. In a nod to the trend, gargantuan hospital systems are opening compact outposts closer to their patients.

“Health care is coming to the patient, rather than the patient traveling to the health care provider. It’s all about ensuring a convenient location and positive experience,” says Paul Wexler, founder of Wexler Healthcare Properties at the Corcoran Group in New York. A 2018 CBRE report found the number of outpatient clinics had increased 51% between 2005 and 2016 to 26,863.

There are many reasons behind the proliferation of medical facilities. Demographics, technology and the Affordable Care Act have created “seismic change,” says Wexler. The two largest demographic groups, the boomers and the millennials, both covet convenience, though their health care needs are vastly different. As a result, he says, hospitals are shifting their focus from building more hospitals to providing care outside their main complex.

Wexler’s group recently leased 68,000 square feet to Manhattan’s Hospital for Special Surgery to build a state-of-the-art ambulatory surgery center and diagnostic center on the opposite side of the city from the hospital’s main site. “This is a great benefit for consumers who do not want to commute to different facilities for health care services,” said Wexler, a real estate professional with 34 years’ experience in the health care real estate sphere.

In the past, a typical doctor’s office was 1,000 to 2,000 square feet; today a standard health care space ranges from 3,000 square feet to more than 8,000 square feet, Wexler notes. These spaces may accommodate primary care, pharmacy, ambulatory surgery and subspecialties in a one-stop experience.

More compact medical equipment, the emergence of virtual care and ACA mandates requiring cost-effective care are further accelerating the migration of services away from hospitals. Consequently, Wexler notes, traditional health care systems and groups are reevaluating their space, either consolidating, selling off or repurposing new properties – a trend that should continue regardless of what happens with the affordable care law.

Blues, Greens Hot Choices for Office

The color of an office could affect productivity and even mood, a growing body of color psychology research says. Workplaces are becoming more mindful of the influence wall colors have on their employees, Lasse Karvinen, head of product at Framery, a Finnish company that designs silent work “pods” for offices, told Forbes.com.

Beige and light grays continue to be popular colors in designing modern workplaces, but more offices are also incorporating blues and greens – and for a strategic reason too. Greens, in particular, have become a popular color in workplaces, Karvinen says. “Green is said to create a level of alertness and is often incorporated into health care spaces for this reason,” he notes. “So it’s interesting to see that being tied into today’s workplace. I also feel many are turning to green as it continues to gain strength from its association with a shift toward eco-consciousness.”

More workplaces also are adding in blues. Blue is usually associated as a more relaxing hue, but researchers say it won’t make your employees sleepy. “While blue might be perceived as a more relaxing color, blue light – specifically around the 17,000k color temperature – is actually better at making people feel more energized, or at least less sleepy,” Ben Hamley, future of work lead at JLL Asia Pacific, told Forbes.com. “This is because it suppresses the body’s natural production of melatonin, a hormone that helps to regulate our circadian rhythm, the pattern that determines when we naturally sleep and wake. You may have noticed newer phone updates will give you the option to ‘shift’ the color of the LEDs in the screen to be more reddish at night so you won’t be kept awake at night by your TikTok feed.”

Make Valentine’s Day Extra Special

Roses are red,
Violets are blue,
Skip the ordinary,
Do something YOU!

Your Valentine means more to you than a box of chocolates or a bouquet of flowers. It’s time to step up your game this Valentine’s Day. Being thoughtful is the key. Here are some easy ways you can make Valentine’s Day amazing this year.

Set up a romantic picnic.
Restaurants are packed on Valentine’s Day, so it can be near impossible to hear your date. If you live somewhere warm and are looking for a more private meal, pack a picnic and find a spot in the park or at the beach where nobody else is around. “This unassuming and down-to-earth activity will show that you actually put some thought into making the day special,” suggests Caleb Backe, wellness and relationship expert for Maple Holistics. If it’s too cold outside, you can always set up a picnic in your living room. Remember, it’s the thought that counts!

Play chef.
This idea really does work like a charm. Light some candles, put on some music you both love and make a meal. You can either cook for your partner or make it a team effort. This is an especially wonderful way to make your significant other feel loved if money is tight or if kids are preventing you from getting out of the house for the evening.

Write a love letter.
Before texting and direct messaging, there were handwritten love letters. While this practice might seem old-fashioned, it can actually be quite romantic. “A love letter is a straightforward and beautiful way to show the love of your life that you truly care,” says Claudia Palma, director of romance at Las Ventanas al Paraíso, a luxury resort in Los Cabos, Mexico. “To give it a more special touch, present your letter along with homemade breakfast in bed, or put the message in a nice bottle for your loved one to discover.”

Try something totally new together.
According to a 2000 study published in the Journal of Personality and Social Psychology, new experiences have a bonding effect on couples. So, check out your city’s Airbnb Experiences or Groupon options and do something neither of you has ever tried before! Whether it’s indoor skydiving, a cooking class or an art workshop, the novelty of trying something new together will add a new twist to your romance.

Take a day trip.
Add a spark to your relationship by changing up the scenery and reminding yourself of all the things you enjoy about your partner’s personality in a fresh setting. Make it extra special by planning a day that encompasses both partner’s interests and passions.

Visit the place where you went on your first date.
Going back to the place where sparks first flew will definitely dazzle your partner. If you have been together for a while, this will bring back fond memories and really set the mood. If you’re married, you can even surprise your Valentine by visiting your wedding venue and rereading your vows!

Take a trip down memory lane.
There’s nothing quite like looking back on your relationship and remembering all the good times.
This Valentine’s Day, go through old photo albums, look through your Instagram and Facebook feeds, or just share your favorite memories of each other aloud. Then, toast with a great bottle of vino to what lies ahead!

Track down something from their childhood.
Did your partner have a favorite toy, movie or collector’s item as a kid that they lost over the years? Take some time to find one as a gift this Valentine’s Day. It may prove challenging, but tracking down and buying something important to your significant other will definitely make their Valentine’s Day special.

Surprise them with their favorite “thing.”
A thoughtful gesture is all it takes to make your significant other feel appreciated. You could have your partner’s favorite lunch order delivered to work or slip their favorite snack in their bag before they leave for the day on Feb. 14.

Work out together.
There is a plethora of scientific research out there showing that couples who sweat together stay together.It might not sound all that romantic to spend Valentine’s Day at the gym, but you’d be surprised how much fun you can have sweating it out with your partner, whether you schedule a workout class for the two of you to try together, book a joint personal training session, or plan a hike.

Book a spa day.
Your partner would likely never think to do this for themselves, which is what makes it such a special gesture. “People feel stressed from work and life and need a mini break, so booking a spa day for you and your partner to relax and take a load off will make them feel like you’ve been paying attention and listening to their needs,” says Rebecca Cooper Traynor, founder and CEO of Match Me Canada. Chances are, they won’t even realize how much they needed it until they’re there!

Treat them to breakfast in bed.
Even if you cook frequently, it’s unlikely that you regularly bring your partner their favorite breakfast the moment they wake up. And if you’re not into cooking, you can order in from your partner’s favorite breakfast joint and present their meal with a beautiful bouquet of flowers.

Plan a tech-free evening together.
We all spend too much time on our phones and computers, so an evening sans screens feels extra special. “Commit to turning off and staying off your electronics all evening – phones, computers and television,” suggests Rhonda Milrad, LCSW, founder of online relationship community Relationup. “Instead, just be present without any distractions. It is novel for anyone to receive the full attention of their partner for an entire evening.”

Volunteer together.
If your significant other is passionate about a specific cause – whether it’s caring for stray animals, feeding the hungry or visiting patients in hospitals – plan a day where you can volunteer for your partner’s favorite non-profit together. Not only will this show them you care about their chosen cause, but you’ll also get in some quality bonding time while making a difference together.

Plan a movie night.
This Valentine’s Day, you can carve out time to watch a film you’ve both been meaning to see for months, or pick a classic movie you watched together early on in your relationship. Want to take this idea to the next level? Book a hotel room and order room service, so you can both enjoy the movie without having to lift a finger.

Go on a group date.
If you’ve already celebrated many a romantic Valentine’s Day as a couple, consider organizing a fun group date or hosting a dinner party at home instead this year. It’s a great way to shake up your routine, and research shows that spending time with other couples can actually help reignite passion in your relationship.

History of Valentine’s Day

Valentine’s Day occurs every February 14. Across the United States, Canada and in other places around the world, candy, flowers and gifts are exchanged between loved ones, all in the name of St. Valentine.

The holiday evolved from the ancient Roman ritual of Lupercalia that welcomed spring to the card-giving customs of Victorian England.

The history of Valentine’s Day – and the story of its patron saint – is shrouded in mystery. We do know that February has long been celebrated as a month of romance, and that St. Valentine’s Day, as we know it today, contains vestiges of both Christian and ancient Roman tradition.

The Catholic Church recognizes at least three different saints named Valentine or Valentinus, all of whom were martyred. One legend contends that Valentine was a priest who served during the third century in Rome. When Emperor Claudius II decided that single men made better soldiers than those with wives and families, he outlawed marriage for young men. Valentine, realizing the injustice of the decree, defied Claudius and continued to perform marriages for young lovers in secret. When Valentine’s actions were discovered, Claudius ordered that he be put to death. Still others insist that it was Saint Valentine of Terni, a bishop, who was the true namesake of the holiday. He, too, was beheaded by Claudius II outside Rome.

Other stories suggest that Valentine may have been killed for attempting to help Christians escape harsh Roman prisons, where they were often beaten and tortured. According to one legend, an imprisoned Valentine actually sent the first “valentine” greeting himself after he fell in love with a young girl – possibly his jailor’s daughter – who visited him during his confinement. Before his death, it is alleged that he wrote her a letter signed “From your Valentine,” an expression that is still in use today. Although the truth behind the Valentine legends is murky, the stories all emphasize his appeal as a sympathetic, heroic and – most importantly – romantic figure. By the Middle Ages, perhaps thanks to this reputation, Valentine would become one of the most popular saints in England and France.

Some believe that Valentine’s Day is celebrated in the middle of February to commemorate the anniversary of Valentine’s death or burial – which probably occurred around 270 A.D. Others claim that the Christian church may have decided to place St. Valentine’s feast day in the middle of February in an effort to “Christianize” the pagan celebration of Lupercalia. Celebrated at the ides of February, or February 15, Lupercalia was a fertility festival dedicated to Faunus, the Roman god of agriculture, as well as to the Roman founders Romulus and Remus.

To begin the festival, members of the Luperci, an order of Roman priests, would gather at a sacred cave where the infants Romulus and Remus, the founders of Rome, were believed to have been cared for by a she-wolf or lupa. The priests would sacrifice a goat, for fertility, and a dog, for purification. They would then strip the goat’s hide into strips, dip them into the sacrificial blood and take to the streets, gently slapping both women and crop fields with the goat hide. Far from being fearful, Roman women welcomed the touch of the hides because it was believed to make them more fertile in the coming year. Later in the day, according to legend, all the young women in the city would place their names in a big urn. The city’s bachelors would each choose a name and become paired for the year with his chosen woman. These matches often ended in marriage.

Lupercalia survived the initial rise of Christianity but was outlawed – as it was deemed “un-Christian” – at the end of the 5th century, when Pope Gelasius declared February 14 St. Valentine’s Day. It was not until much later, however, that the day became definitively associated with love. During the Middle Ages, it was commonly believed in France and England that February 14 was the beginning of birds’ mating season, which added to the idea that Valentine’s Day should be a day for romance. The English poet Geoffrey Chaucer was the first to record St. Valentine’s Day as a day of romantic celebration in his 1375 poem “Parliament of Foules,” writing, ““For this was sent on Seynt Valentyne’s day / Whan every foul cometh ther to choose his mate.”

Valentine greetings were popular as far back as the Middle Ages, though written Valentine’s didn’t begin to appear until after 1400. The oldest known valentine still in existence today was a poem written in 1415 by Charles, Duke of Orleans, to his wife while he was imprisoned in the Tower of London following his capture at the Battle of Agincourt. (The greeting is now part of the manuscript collection of the British Library in London, England.) Several years later, it is believed that King Henry V hired a writer named John Lydgate to compose a valentine note to Catherine of Valois.

In addition to the United States and Canada, Valentine’s Day is celebrated in Mexico, the United Kingdom, France and Australia. In Great Britain, Valentine’s Day began to be popularly celebrated around the 17th century. By the middle of the 18th, it was common for friends and lovers of all social classes to exchange small tokens of affection or handwritten notes, and by 1900 printed cards began to replace written letters due to improvements in printing technology. Ready-made cards were an easy way for people to express their emotions in a time when direct expression of one’s feelings was discouraged. Cheaper postage rates also contributed to an increase in the popularity of sending Valentine’s Day greetings.

Americans probably began exchanging hand-made valentines in the early 1700s. In the 1840s, Esther A. Howland began selling the first mass-produced valentines in America. Howland, known as the “Mother of the Valentine,” made elaborate creations with real lace, ribbons and colorful pictures known as “scrap.”

Bananas at Risk

One of the most important crops on Earth, bananas, are at risk. They are a top source of food and money for millions of people. But all around the world, banana plants are dying. They’re being attacked by a form of Panama disease called Tropical Race 4 (TR4).

For years, farmers and experts have been afraid that TR4 would hit Latin America and the Caribbean, where about 85% of bananas exported worldwide are grown. On August 8, 2019, those fears came true. Cases of TR4 were confirmed at six banana farms in Colombia. The country declared a national emergency. “In Colombia, [TR4] is incredibly difficult to control,” scientist James Dale said. “Everybody is absolutely petrified about what’s going to happen.”

TR4 is a fungus that lives in soil. It infects banana plants through the roots. It moves into the stems. There, it stops water and nutrients from entering the plant’s leaves. The plant turns yellow. Then it dries up and dies. TR4 spreads easily, from plant to plant and farm to farm. “No country is immune to the disease,” says Fazil Dusunceli of the Food and Agriculture Organization.

Part of the problem is that 99% of exported bananas are of the same type: Cavendish. This lack of variety is not good for nature. Why? All Cavendish bananas are very similar. So when a disease like TR4 strikes, they are all equally at risk. “Eating Cavendish (bananas) is making the situation worse,” says Altus Viljoen, a professor who studies plant diseases.

People in the banana industry are coming together. They want to save the tropical fruit. James Dale, for example, is working with a team of scientists in Australia to introduce a new type of banana. It is resistant to TR4. But some people are against scientists creating new types of plants in a lab. They say people shouldn’t mess with nature.

Not everyone is worried about the fruit. “I think there’s a great future for bananas,” Andrew Biles says. He’s an adviser to Chiquita, one of the world’s biggest banana companies.

This isn’t the first time bananas have been in trouble.. Even if we find a solution to today’s banana crisis, will history repeat itself, yet again, in decades to come? “Oh, I’m certain it will,” Dale says.

Before the 1950s, nearly all the bananas sold in the U.S. were one type. Then Panama disease hit. The banana industry needed a replacement. It chose the Cavendish. This was similar to the banana popular at the time. But it was resistant to Panama disease.

In the 1990s, a new kind of Panama disease, called TR4, hit crops. This put the fruit at risk again.

Colleges Inspire Business Design

Suburban office campuses are borrowing design concepts from universities for indoor and outdoor communal spaces in hopes of appealing to more young professionals entering the workforce.

For example, in Warren, N.J., an office campus is building an indoor-outdoor, 20,000-square-foot amenities hub that mimics some universities’ student recreation centers. It features patio dining, exercise equipment and a basketball court. It serves as a place for professionals to connect and collaborate.

In Holmdel, N.J., Bell Works redesigned its office campus and took some inspiration from university libraries to cater to its younger employees who are transitioning from college life. The company created Holmdel Library with 18,000 square feet of space, offering a plethora of books for those who might miss the library setting.

Offices are also offering dining venues like you’d find at colleges. Vision Real Estate Partners in Parsippany, N.J., is opening one called Latitude to offer a variety of food options, from Chicago-style deep dish pizza to New York-based cuisine.

“The term ‘amenities’ does not do justice to what we are creating in the office campus setting,” Ross Chomik, managing partner at Vision Real Estate Partners, told Forbes.com.

“We’re not simply putting a cafeteria or a gym in one of our buildings and expecting that to change the course of the workday for our tenants. What companies really want is a customized, hospitality-based experience – an environment that is thoughtful about how much time people actually spend at work, and what they really need from the workplace to perform at their best. That means creating spaces that cater to different work styles and infusing wellness-, food- and recreation-based services integrating with people’s daily lives.”

10 Best Places To Retire Abroad

Have you long dreamed of someday retiring to a quiet, sandy beach, or a lively city with friendly locals and deep historical roots? You can make that dream a reality – there’s a literal world of possibilities. Live your best expat life in a beautiful, affordable destination.

Retiring abroad can be a cost-effective option for your golden years, as many foreign countries have lower costs of living. It’s not as risky or unconventional as you might think. The U. S. Social Security Administration sent checks to nearly 700,000 retirees living abroad as of December 2019.

Each year International Living compiles its Annual Global Retirement Index and spotlights the best places to retire abroad based on factors such as housing, benefits and discounts, cost of living, health care, development, climate and more.

Here are the 10 best places to retire abroad in 2020, according to the latest index.

  1. Portugal – Portugal took the top spot as the best place to retire abroad thanks to its year-round pleasant weather, low cost of living and rich culture. Locals are also extremely welcoming to visitors and expats. And the gorgeous landscapes don’t hurt, either.
  2. Panama – The weather is warm and tropical in Panama, but it’s outside of the hurricane belt. The U.S. dollar is the local currency and many citizens speak English, so acclimating to your new surroundings is easier. The country’s Pensionado Program is known as one of the best retiree programs in the world, offering generous discounts to pension-holding retirees on expenses ranging from medical expenses to entertainment.
  3. Costa Rica – Costa Rica is also known as the “Switzerland of Central America” thanks to its neutrality, safety and stable banking system. The locals are warm and welcoming, living according to the Pura Vida lifestyle. There’s a rich outdoor culture with plenty of hiking, diving, fishing, yoga and other healthy activities. Plus, the country boasts a progressive government and is LGBTQ+ friendly.
  4. Mexico – Mexico stands out as a top retirement destination because of its low cost of living, national health care plan, vibrant culture and diverse landscapes. Whether you want to live along the coastline or in the midst of a bustling city, Mexico has something for virtually everyone.
  5. Colombia – As the second-most biodiverse country in the world, there’s an environment to suit just about anyone’s preference, from warm beaches to temperate mountain communities. Even big cities have a small town feel because of the friendly, welcoming locals. Cost of living varies depending on what part of the country you live in, but it’s generally quite affordable.
  6. Ecuador – Ecuador is home to all-around amazing weather, with varying climates depending on its region. The cost of living is highly affordable; local mercados sell high-quality produce at low prices, services like haircuts and pedicures cost only a few dollars and you can even hire household help for just $10 to $20 a day.
  7. Malaysia – Malaysia is home to hundreds of white, sandy beaches, as well as warm weather and plenty of outdoor actives. Living is very affordable, including health care costs. And because Malaysian law is based on the British system, you’ll find plenty of English speakers and signs.
  8. Spain – Thanks to Spain’s warm Mediterranean climate, the nation’s beach life and food options are above par. Transportation is also a breeze, with a vast rail and bus system, plus inexpensive ride-sharing options. There are plenty of expat beach communities where you can rely on English to get settled, though venturing out of these areas will require you to pick up a bit of Spanish.
  9. France – If vineyards and meadows are more your speed, consider retiring in France. Despite what you might think, the country is an affordable place to live. Home to amazing wine, cheese, freshly baked baguettes and other culinary delights, foodies will feel right at home. And with an excellent health care system, a thriving fashion scene and abundant culture, you shouldn’t ever feel isolated or bored.
  10. Vietnam – The nation ravaged by war several decades ago boasts an exceptionally low cost of living and one of the strongest economies in Asia. It’s home to both rapidly developing urban areas and ancient temples and tombs. Plus, the people are exceptionally friendly and English is widely spoken.