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The Best Places Around the World to Retire in 2017

The Best Places Around the World to Retire in 2017

How often do you find yourself saying “Oh, I wish I could retire right now”?

Retirement seems to be a common topic among all of us no matter how old we are.

With improved medical and healthcare services, we live a longer life, but at the same time, we need to spend more money to sustain a longer life. Also, who doesn’t want to rest and relax after many decades of working?

But where should you go after your retirement? Here are 20 best places to retire with low living cost, stunning natural scenery, and large expat communities.

1. Crete, Greece

    ▲ Agios Nikolaos, a coastal town in Crete. Credit: CruiseMapper

    Usually, places with the lowest living cost are in Asia. Crete might come as a surprise. This island is filled with sunshine, beaches, and great hospitality. It is a highly recommended option for retirees.

    • Cost of living: $1,090
    • Major language: Greek
    • Population: 623,065 (2010 stats)
    • Healthcare services: Free medical care and hospital care in public hospitals if you are covered by IKA National Insurance.
    • Entertainment: Hiking, cave tours, water activities, festivals in summer

    2. Barcelona, Spain

      ▲ Casa Mila. Credit: Barcelona.com

      As Spain’s second-largest city, Barcelona offers a low-cost living experience, with a fully developed public transportation system. You can enjoy pre-Roman architectures, art galleries, museums, and also beaches all in this metropolis.

      • Cost of living: $1,183
      • Major language: Spanish
      • Population: 1.602 million (2014 stats)
      • Healthcare services: Healthcare is largely subsidized in public hospitals if you own a Targeta Sanitaria Individual (TSI) health card.
      • Entertainment: Museums, art galleries, monuments, theaters, beach activities

      3. Lake Atitlan, Guatemala

        ▲ Lake Atitlan. Credit: Hop On The Good Foot

        Surrounded by volcanoes, Lake Atitlan is one of the most beautiful lakes in the world. Villages around the lake are filled with Mayan traditions,[1] and it is definitely a great cultural experience for retirees.

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        • Cost of living: $700
        • Major language: Spanish
        • Population: 11,142 in Panajachel (in the 2000 census)
        • Healthcare services: Very few funds are allocated to healthcare, while 88% of the population relies on public healthcare system.
        • Entertainment: Hiking, water activities, cultural tours

        4. Santa Fe, Panama

          ▲ Santa Fe de Veraguas. Credit: International Living

          This tiny mountain hideaway is the perfect retirement spot for people from the city. Although English is not commonly spoken like in other more developed cities in Panama, Panamanians still show wonderful hospitality and often lend a helping hand to foreigners.

          • Cost of living: $800-$1,000
          • Major language: Spanish
          • Population: 3,047 (2010 stats)
          • Healthcare services: Panama’s pensionado visa program allows expats and retirees to get discounted healthcare services, like medical check-ups and prescriptions.
          • Entertainment: Hiking

          5. West Des Moines, Iowa, United States

            ▲ West Des Moines City Hall. Credit: RDG Planning & Design

            This might be a shocker for most people. How is a town in the Midwest with snowy winter a possible retirement place? Well, West Des Moines offers excellent healthcare programs, alongside with low living cost and crime rate.

            • Cost of living: $2,230
            • Major language: English
            • Population: 61,255 (2013 stats)
            • Healthcare services: Both the federally funded Medicare and Medicaid programs provide healthcare coverage for retirees, especially those above 65.
            • Entertainment: Music festival, winery and brewery tours, golfing, live horse racing

            6. San Juan del Sur, Nicaragua

              ▲ San Juan del Sur. Credit: Expedia

              Now let’s jump back to the tropical, beach life. San Juan del Sur is known for it’s sunny weather and great healthcare, with a perennial temperature of 85 to 95 degrees. Also, the country offers an irresistible retiree program (you don’t need to pay any taxes). Fun fact: Nicaragua produces world-class coffee and chocolate!

              • Cost of living: $1,000
              • Major language: Spanish
              • Population: 7,790 (2012 stats)
              • Healthcare services: There’s no health insurance, but the Metropolitan hospital offers two packages with discounts to healthcare services. The general rates per month are: 51-65, $61; and over 65, $65.
              • Entertainment: Water and beach activities, art center, religious festivals and celebrations

              7. Algarve, Portugal

                ▲ The town of Lagos in Algarve. Credit: Investopedia

                For 3 years, Algarve has been the most highly-rated place in the world for retirement. Apart from a low cost of living and rent, the region also offers an extensive expat community with more than 100,000 resident foreign retirees. It has amazing food and wine too!

                • Cost of living: $1,500-2,000
                • Major language: Portuguese
                • Population: 451,006 (2010 stats)
                • Healthcare services: Services are available for registered legal foreign residents, and if you are working in Portugal, you are automatically entitled to the publicly funded National Health Service (Serviço Nacional de Saúde, SNS).
                • Entertainment: Golfing, mountain-biking, beach activities

                8. Nha Trang, Vietnam

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                  ▲ Po Nagar Cham Towers. Credit: Vietnam Travel Deals

                  If you are looking for a low-cost, affordable retirement spot in Southeast Asia, Nha Trang would be the best place to stay. This sandy, rural town is fused with historic temples and exotic cuisines that will satisfy foodies.

                  • Cost of living: $650-$800
                  • Major language: Vietnamese
                  • Population: 402,000 (2015 stats)
                  • Healthcare services: Medical costs in Vietnam are low, and there might not have English-speaking doctors, but the healthcare system is developing. Some expats and retirees will seek medical care in Bangkok, Kuala Lumpur, or Singapore.
                  • Entertainment: Water activities, temple tours

                  9. Kota Kinabalu, Malaysia

                    ▲ Tanjung Aru beach. Credit: Nomad is Beautiful

                    Other than Nha Trang, the tranquil Kota Kinabalu in Malaysia is also a great place. It is a small, walkable island with a low cost of living and a high standard of healthcare. You can also travel to nearby islands to explore what nature has in store for you.

                    • Cost of living: $1,200
                    • Major language: Malaysian
                    • Population: 207,214 (2010 stats)
                    • Healthcare services: Foreigners are recommended to look into international health insurance plans. Public hospitals are inexpensive with high medical standards, while private hospitals are more expensive with a shorter wait, but they both provide the same quality of healthcare services.
                    • Entertainment: Water activities

                    10. Vilcabamba, Ecuador

                      ▲ Vilcabamba. Credit: Ancient Origins

                      The hustle and bustle may often bring negative impacts to our health. An alternative to excellent healthcare is living in a stress-free and organic environment. With clean air and constant sunshine, Vilcabamba attracts expats and retirees because of such healthy lifestyle.

                      • Cost of living: $1,100-$1,485
                      • Major language: Spanish
                      • Population: 1,293 (2005 stats)
                      • Healthcare services: Health insurance programs are of low costs, and hospitals and doctors are available even in small towns.
                      • Entertainment: Hiking

                      11. Cayo, Belize

                        ▲ Xunantunich Mayan ruin. Credit: Live and Invest Overseas

                        For those who are adventurous risk-takers, Cayo could be your retirement spot. As Belize is less developed than most countries, the country provides many opportunities for exploration, especially in rainforests and jungles.

                        • Cost of living: $1,100
                        • Major language: English
                        • Population: 73,202 (2010 stats)
                        • Healthcare services: The healthcare program in Belize is less developed, and for more serious medical issues, most retirees choose to leave the country to seek care.
                        • Entertainment: Hiking, nature adventures

                        12. Abruzzo, Italy

                          ▲ Abruzzo. Credit: Paradoxplace

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                          Abruzzo is a secret garden for retirees. It is sparsely populated, with rusty and historical architectures, and also provides entertainments all year round (you can enjoy the beach in summer and ski on the mountains in winter). This secluded town also provides homey, hearty cuisines for you to enjoy.

                          • Cost of living: $1,500-$1,700
                          • Major language: Italian
                          • Population: 1.328 million (2015 stats)
                          • Healthcare services: Servizio Sanitario Nazionale (SSN), the national health service in Italy, provides free or low-cost medical treatment to public facilities. EU nationals can use European Health Insurance Card (EHIC) to access public healthcare services.
                          • Entertainment: Beach and water activities, skiing

                          13. Buenos Aires, Argentina

                            ▲ Buenos Aires. Credit: Architectural Digest

                            This vibrant Argentinian city offers endless entertainment with 20 colorful and boisterous festivals every year. It also provides an affordable yet high quality medical healthcare program.

                            • Cost of living: $800-$1,500
                            • Major language: Spanish
                            • Population: 2.891 million (2010 stats)
                            • Healthcare services: Healthcare in Argentina is cheap, and with high quality and standards of medical services due to a surplus of doctors.
                            • Entertainment: Opera, symphonies, theaters, museums, and endless bookstores, and festival celebrations

                            14. Chiang Mai, Thailand

                              ▲ Doi Inthanon. Credit: PlanetWare

                              With abundant health-related services, Chiang Mai is one of the most popular spots for retirees to stay in. And if you still wish to get involved in the community after your retirement, Chiang Mai offers different job opportunities at schools, tourist spots, and medical facilities.

                              • Cost of living: $1,100
                              • Major language: Thai
                              • Population: 148,477 (2008 stats)
                              • Healthcare services: Similar to Vietnam, the quality healthcare services and insurance plans are cheap in Thailand.
                              • Entertainment: Night market, boxing

                              15. Las Terrenas, Dominican Republic

                                ▲ Las Terrenas. Credit: TripAdvisor

                                The Dominican Republic welcomes foreigners, and same as Chiang Mai, it provides many job openings for expats. The country is also known as a cultural melting pot with Afro-Antillean, European, North American, and Latin cultures. If you want to immerse yourself in a diverse culture, Las Terrenas is your pick.

                                • Cost of living: $1,200
                                • Major language: Spanish
                                • Population: 39,221 (2012 stats)
                                • Healthcare services: The medical care is not as well-equipped as other larger cities in the country, but Las Terrenas is improving its services and provides affordable aids at its new hospital.
                                • Entertainment: Beach activities, hiking

                                16. Medellin, Colombia

                                  ▲ Medellin. Credit: Vogue

                                  Medellin has come a long way in terms of its security and safety. As the most progressive city, drugs and crimes are no longer issues in Medellin. The city is both a industrial, financial center, and artistic city with jazz concerts, book fairs, and poetry festivals.

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                                  • Cost of living: $1,755-$2,000
                                  • Major language: Spanish
                                  • Population: 2.464 million (2015 stats)
                                  • Healthcare services: 1/7 of the best hospitals in Latin America are located in Colombia, and there are many insurance plans offered, but some do not provide services for retirees or those above 60.
                                  • Entertainment: Jazz concerts, tango festivals

                                  17. Sarasota, Florida, United States

                                    ▲ Sarasota Opera House. Credit: See Sarasota Live

                                    Sarasota and other cities in Florida on the Gulf of Mexico are great options for an after-retirement life. Apart from its cultural and musical scenes, the decent weather in Sarasota makes it one of the best spots for retirees in the States.

                                    • Cost of living: $2,575
                                    • Major language: English
                                    • Population: 53,326 (2013 stats)
                                    • Healthcare services: Both the federally funded Medicare and Medicaid programs provide healthcare coverage for retirees, especially those above 65.
                                    • Entertainment: Opera, theater, water activities

                                    18. Valletta, Malta

                                      ▲ The skyline of Valletta. Credit: The Independent

                                      For the mentioned places, English might not always been the most common language spoken, but in Valletta (and the rest of Malta), you don’t have to worry about any language barrier.

                                      • Cost of living: $1,290
                                      • Major language: Maltese, English
                                      • Population: 5,721 (2013 stats)
                                      • Healthcare services: The service in Malta is excellent, and all international visitors should have their own personal medical insurance policy.
                                      • Entertainment: Maltese cultural festivals, historical sightseeing, water activities

                                      19. Playa del Carmen, Mexico

                                        ▲ Playa del Carmen’s Central Square. Credit: Pinterest

                                        If you want a strong, well-established expat community, you should consider Playa del Carmen. The Mexican town is home to more than 10,000 foreigners, who are mainly North Americans.

                                        • Cost of living: $700-$1,300
                                        • Major language: Spanish
                                        • Population: 149,923 (2010 stats)
                                        • Healthcare services: Basic medical care is inexpensive and the line is fast, but for retirees, you don’t get the local medical coverage IMSS unless you work.
                                        • Entertainment: Beach activities, night bars and clubs

                                        20. Paris, France

                                          ▲ Eiffel Tower. Credit: Eiffel Tower

                                          This might be the most surprising spot in the whole list. Paris, really? Yes. You are probably thinking how could a place with the Eiffel Tower, the Louvre, and Luxembourg Gardens be affordable to retirees. Well, public transportation is cheap, and necessities are not as expensive as you think.

                                          • Cost of living: $1,290-$1,930
                                          • Major language: French
                                          • Population: 2.244 million (2010 stats)
                                          • Healthcare services: Medical care in Paris is considered one of the best, yet one of the cheapest in the entire Europe, and services are provided to everyone.
                                          • Entertainment: Museums, monuments, jazz night, shopping

                                          Reference

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                                          Frank Yung

                                          Writer. Storyteller. Foodie.

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                                          Last Updated on August 15, 2018

                                          25 Most Useful Excel Shortcuts That Very Few People Know

                                          25 Most Useful Excel Shortcuts That Very Few People Know

                                          Imagine if you could use 5 simple shortcuts while working in Excel, and increase your productivity without wasting time for searching information in huge tables, writing long formulas, and sorting the data.

                                          Or even better:

                                          What if you would get 25 useful shortcuts… and each of them could simplify your work, so you could do much more every day?

                                          You’d definitely feel excited to read about them.

                                          Today is your lucky day because we are going to share with you in this article 25 great Excel shortcuts you can use in your work every day! This is your lucky chance, so go ahead and become a real professional in Excel without wasting your time.

                                          How important are Excel shortcuts for you?

                                          The most effective thing to check out if people really need something is to release a survey and look at the results. So, according to the anonymous survey, 99% of people said Excel shortcuts are critical or important for them.

                                          In general, there are more than 200 shortcuts in Excel. But when we have analyzed the data about how many shortcuts people know, we got the next results:

                                          • 26% of people know 10 or fewer shortcuts;
                                          • 61% of people know 10-50 shortcuts;
                                          • 10% of people know 50-100 shortcuts.

                                          As you can see, not so many people know a lot of shortcuts. Probably, some of them never think about increasing their productivity in such a simple way.

                                          Of course, it depends on how deep you use Excel. Some people use this powerful application just for making simple tables or graphs, others use it for everyday work to count something.

                                          Most of the accountants and businessmen use much more Excel functions for more complex tasks such as creating VBA macros, managing PivotTables, recalculating huge workbooks, outlining data, etc.

                                          But even those people who work with Excel every day very close may know a few shortcuts. Needless to say, they can do their job without shortcuts, but it usually takes for them much more time. T

                                          his sounds not funny, especially if you must finish a huge amount of work urgently. There is a great opportunity for you to increase your productivity in Excel and do your job faster with our useful shortcuts.

                                          5 Main reasons to learn excel shortcuts

                                          Many people don’t understand why they should use shortcuts if they can work without them. Of course, if you use Excel twice per year to make a simple table or a graph, it is probably not so important for you to know many shortcuts.

                                          But if you work in Excel every day, sorting huge tables and managing with tons of data, then shortcuts will help you to reach the next five goals:

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                                          1. Work efficiently and faster in Excel
                                          2. Manage big amounts of data easily and fast
                                          3. Stay calm and concentrated even while doing a tedious job
                                          4. Make your work accurately and properly without errors
                                          5. Get a better understanding of Microsoft Excel

                                          Who can use Excel shortcuts?

                                          There are a lot of people who can simplify their life with Excel shortcuts, and here are the groups that will definitely love using them:

                                          • People who work in banks, finance organizations, etc.
                                          • Businessmen who make tons of various reports and presentations in Excel for meetings and briefings.
                                          • Students who usually are lazy and impatient to make their homework because they don’t want to waste a lot of time working in Excel.
                                          • Private entrepreneurs who keep various data in Excel tables.

                                          Whether you are a student who hates Excel because it seems a time-wasting and boring application, or you are an accountant who must recalculate huge worksheets every day without making errors, we recommend reading and learning these Excel shortcuts to make your work simpler and save some time.

                                          With these simple but useful tricks, it is so easy to finish your job and get more time for yourself.

                                          25 Excel shortcuts to increase your productivity

                                          Here are 25 great Excel shortcuts you should learn and use for work or studying to make your job faster and simpler. Try to use them all and you will realize you were totally blind before while working in Excel:

                                          1. Format whatever object fast with Ctrl+1

                                          If you select any object in Excel – a cell, a chart, a chart axis, a drawing object – then press Ctrl+1, and you will get the Properties dialog for the certain object. This shortcut offers a very quick and easy way to format whatever object you’re working with.

                                          2. Use range names with Ctrol+G or F5 key

                                          If you use range names (which we strongly recommend to do) and you want to choose the range with a specific name references, press either Ctrl+G or the F5 key, which launches the GoTo dialog.

                                          If the name is simple, you can click on it in a list in that dialog. But if it’s at all unusual, Excel won’t list it; so you will need to type in the name. Then press OK.

                                          3. Use a range name in a formula with =sum( and F3

                                          Suppose you want to use a range name in a formula. For example, you want to sum the Sales range. Enter…

                                          =sum(

                                          …and then press F3.

                                          When you do so, Excel launches the Paste Name dialog. Just choose “Sales” from the list, press the OK button in the dialog, then enter the SUM function’s closing “)” to complete the formula.

                                          4. Launch Function Arguments dialog easily with Ctrl+A

                                          Suppose you want to check the help topic for a worksheet function. For example, you want to read about the MATCH function. In a cell, type…

                                          =match(

                                          …and then press Ctrl+A, or click the Insert Function (“fx“) button to the left of the formula bar.

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                                          When you do so, Excel displays the Function Arguments dialog, which might offer all the help you need.

                                          But if you still want to see the complete help topic, click the blue “Help on this function” hyperlink in the lower-left corner of the dialog. This technique works with all documented Excel functions.

                                          5. Copy stuff down the column without scrolling with Ctrl+D

                                          If you added a formula in a new column on the right of a huge dataset, and you want to copy that formula down without scrolling, do these steps:

                                          • go to the right to the column that has data (the column to the left of the new column with the formula);
                                          • press Ctrl+Down – to get to bottom;
                                          • move one cell to the right (with arrow key naturally);
                                          • press Ctrl+Shift+Up to select the new column, at the top of which is the formula you just created;
                                          • press Ctrl+D to fill down the formula.

                                          6. Quick access to any function with Alt+

                                          By customizing the quick access toolbar, you can create simple shortcuts to commands that you would otherwise have to find in the Ribbon tabs, or macros you have created yourself.

                                          The keyboard shortcut is simply selecting Alt+ (the number of the command you wish to select).

                                          For example, if you have customized your quick access toolbar to have Calc Sheet, Save, Open. To calculate sheet you would hit Alt+1, for save Alt+2, and for open Alt+3.

                                          A lot of people are unaware of this useful function, and it’s a great time saver.

                                          7. Format cells with Ctrl+1

                                          When you need to format cells, use Ctrl+1. Most people know this as the shortcut for the Format Cells dialog, but you can also use it to format almost anything in Excel, without a care about the state of the ribbon. Try this amazing and simple shortcut!

                                          8. Choose visible cells with Alt+

                                          When you need to choose visible cells only – use Alt+. This is the trick to copy only what you see. It is a priceless shortcut when you’re manually hiding rows and columns in the table.

                                          9. Use filtering

                                          Filtering – it is a powerful way to slice, dice, and sort through a huge table of information.

                                          It’s amazingly effective when you’re participating in a meeting to discuss something like a sales forecast, and everyone is looking in real-time at your spreadsheet projected on a screen (or on their monitors).

                                          To some people, you will be seen as the God of Spreadsheets, and this is not a joke!

                                          10. Insert or delete column/row easily with the Ctrl key

                                          Some people waste a lot of time even for simple operations, for example, when they need to insert/delete columns and rows in Excel.

                                          Use this shortcut to insert: with an entire row or column selected, use Ctrl+Shift ++.

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                                          To delete: with an entire row or column selected, use Ctrl + –.

                                          11. See formula results with F9

                                          If you want to check formula results within multiple formulas, highlight the formula and select F9 to see formula result.

                                          Don’t forget to undo before exiting the formula.

                                          12. Use ALT+Enter for more text within a cell

                                          If you want to add a second line of text within a cell, use ALT+Enter.

                                          13. Use EDATE to move a date on by a full calendar month:

                                          Here’s how to use EDATE:

                                          =EDATE(15/01/16,+1) = 15/02/2016 (15th Feb 2016)

                                          =EDATE (15/01/2016,-2) = 15/11/2015 (15th Nov 2016)

                                          14. Use EOMONTH to move a date onto the end of the month:

                                          Here’s how to use EMONTH:

                                          =EOMONTH(15/01/2016,0) = 31/01/2016 (31st Jan 2106)

                                          =EOMONTH (15/01/2016,-2) = 30/11/2015 (30th Nov 2015)

                                          15. Remove spaces with TRIM

                                          TRIM is a useful function known by few people. It removes any spaces at the beginning of a value. This is useful if you are pulling in values from somewhere else.

                                          16. Repeat commands with F4 or Ctrl+Y

                                          In many cases, you may need to repeat your last action. Use F4 or Ctrl+Y; you can repeat many commands like applying the same borders, format, or insert a worksheet again.

                                          17. Quick access to cells with the Ctrl key and Shift key

                                          When you need to go to the first or last cell of a worksheet, no matter where you are, use Ctrl+Home, Ctrl+End combinations.

                                          And here is a pleasant bonus for you: add the Shift key to select everything on the way!

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                                          18. Use Ctrl+ to create a timestamp

                                          If you need a date stamp and/or a timestamp in your document, there is no need to type a date and time! Use shortcuts Ctrl+ ; (date) Ctrl+Shift+ : (time). It works like a magic and helps to save your time and nerves.

                                          19. Use autosum shortcut for sum function anywhere

                                          Autosum shortcut – use Alt =. It is a “magic” shortcut of Excel to automatically insert a sum function.

                                          You can use this shortcut to sum rows, columns, or even an entire table in one step without wasting your time.

                                          20. Use data validation

                                          This is an amazing but underutilized tool in Excel, which can be used for a variety of things:

                                          • Create dependent drop-down lists;
                                          • Create drop-down lists;
                                          • Protect/restrict data input of specific cells (without the need for VBA macros).

                                          21. Use conditional formatting

                                          It can be used for various purposes such as color format or cell format of cells, rows or columns based on dependent cell values or formats.

                                          22. Use formula auditing

                                          This is a great tool to analyze and trace precedent or dependent cells, check errors and evaluate formulas.

                                          The “Watch Window” is a feature to keep a snapshot of an area of the spreadsheet, and then move to another area of the workbook – particularly valuable if you’re managing large spreadsheets or don’t have a second screen.

                                          23. Use Scenario Manager to generate summary outputs of a spreadsheet

                                          Scenario Manager (under “What-if Analysis”) enables users to generate high-level, summary outputs of a spreadsheet – without the need to replicate the entire workbook.

                                          It will present multiple scenarios of a spreadsheet in a succinct, high-level summary worksheet.

                                          24. Use INDIRECT to set up large tables

                                          INDIRECT makes it easy to set up tables which reference larger tables without a lot of referencing work or cutting and pasting; especially for dynamic spreadsheets.

                                          25. Use OFFSET for complicated calculations or formulas

                                          OFFSET can be useful for things like calculating YTD numbers or creating formulas that take data in rows and using in columns.

                                          The bottom line

                                          As you can see, when you have a boring or tedious job to do, the best way to do it fast is not looking for a way how to avoid it, but searching for the shortest variant to do it!

                                          That is why we suggest keeping in mind these Excel shortcuts that will help you to save a lot of time and nerves.

                                          If it seems hard for you to remember all them, you can print out the list of shortcuts and keep it on your worktable. Use it to search for some help when you need it, and over time, you’ll remember all shortcuts easily.

                                          Featured photo credit: Unsplash via unsplash.com

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