The best place to retire in Spain depends on what you like and how you want to live. The charm of a small town, with the amenities of a big city. We have a guide to save you the trouble of having to wonder where the areas we have mentioned are located. Founded over 2,000 years ago, Seville is a city rich with history and culture. The population in the Costa del Azahar is more scarce than in the Costa del Sol, meaning that even in the capital youll be in peace. Although the country has experienced some economic problems in recent years, Spain still appeals to many baby boomer retirees as the retirement destination of their dreams. Higher-priced plans offer customer service in English. Mijas has its place in history as the birthplace of donkey-taxi.Basically you can enjoy rides in carts pulled by donkeys and climbing on their backs. belterz / Getty Images. Weather and terrain are similar to Southern California. You will get to meet a lot of foreigners as Spain is their favorite destination because of the quality services such as transport systems, healthcare system and unique cultures. In the seaside town of Mojacar, a 1,356-square-foot townhouse with an ocean view, private pool, and garage is listed at $223,632. with someone. My younger years spent summers in the Basque region mostly in Iruna for the Encierro del Toros and the Feria de San Fermin. Here are some of America's best small towns to consider for retirement or perhaps even for a weekend visit. The coastal strip has the perfect weather in the whole of Spain, very affordable in terms of cost and the communities there are very welcoming not to forget majority are expats speaking English.The population around the Orange Blossom Coast is scarce making the area very peaceful. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. We feel that a law firm such as yours would be a large help in successfully settling in Spain. Required fields are marked *. Would like a region that is not too hot. one of our lawyers should be in contact with you shortly for your questions about retirement in Spain. Have found that the world of the internet and 140 character Twits, maybe takes a toll on folks grammer. I have written a post here detailing our cost of living. $100 a week would provide ample groceries for a healthy Mediterranean diet. Retiring in Spain is very cheap than most European countries. About 2 hours down the coast from Valencia is the Costa Blanca region. The quaint community set an hour away from Austin on Highway 281 is home to some 6,500 residents, with 20% over the age of 65. Set in south-central Arizona, the atmospheric town with a population of 12.5 thousand residents covers the northern portion of the Sonoran Desert. golden visa, non lucrative visa Finally choose the best place to retire in Spain! Luxury real estate agency Lucas Fox predicts these trends will continue during 2019 with highest demand in city centers and seaside second-homes. 07 - Valletta, Malta: The best place to retire in Europe as an American. A mixture of historical sites and modern-day architecture, Spain draws baby boomer retirees from North America and other parts of Europe who wish to call the Kingdom of Spain their new home. Some of the best skiing in the world can be found in Spanish ski resorts in the mountain regions. The famous University boasts of hosting word popular Alhambra-largest fortress and place which spreads across the old center. Odessa, Texas, made it onto the list as one of the best places to retire because of its affordability and livability score. Spain promises expats sunny weather, European sophistication, and first-world infrastructure at an affordable price. Malaga: Most Vibrant City to Retire in Spain. . SmartAsset found the best small cities to retire in the U.S. by looking at data on 247 cities - all with populations between 65,000 and 100,000. Cider from the Asturian Highlands, seafood from Galicia, flamenco music from the south The Spanish capital is like a cocktail shaker full of traditions, culture, and delicious dishes. Marbella, retiring in this beautiful city. long-term rentals in the Costa delAzahar, study by the British real estate company, Audley Village, what Brexit means for expats living in Spain, including new residency documents, Luxury villas and apartments in Spain for sale, Luxury rentals in Spain: villas and apartments, Calculate how much you could save by installing solar panels, idealista/tools: magement software for professional estate agents, idealista/data: technology for real estate analysis, AvaiBook: software to manage your holiday rental, yourSpanish andUKState Pensionfrom the Instituto Nacional de la Seguridad Social if you worked in Spain, pensions from working in otherEUcountries if applicable. Retirement, the so called 'golden age'; you leave the world of work behind and retire after years of paying contributions and your pension comes along that allows you to enjoy a relaxed and leisurely life. The region also has a range of smaller towns and villages which are great for pensioners and some of the best retirement villages in Spain. These will help you make the best decision possible.We shall make sure you find villas or houses that suit your budget and taste plus. Oldsmar is a small town that is located just outside of Tampa and is one of the best small towns in Florida to retire in for those who also want to be close to a big city. Having an idea of the ideal retirement destination depends on a variety of factors such as lifestyle, preference, and affordability. Javea, beautiful place to retiring in Spain. The guide will assist you to arrive at a decision on you future retirement home.When planning, it is prudent to have a budget in mind. 10 Best Small Towns in America to Retire Lindsay Tigar Updated: Dec. 01, 2022 A recent study found that one in three Americans don't have enough in savings to pack-up-shop at the office. Most definitely! Socializing with friends and family takes precedence over work and sleep. Charles City. We compared cities across eight metrics: Percentage of the population that is 65 and older. Tap water is drinkable all over Spain, although the flavor varies. You can also enjoy great urban beaches, museums, restaurants, and tapas bars in Mlaga as well. Barcelona and Madrid are the most expensive cities. Providers include Sanitas, Cigna, Aetna, and others. Malaga features the Pablo Picasso museum, named after its favorite local son. And if you prefer life in a bigger city, you can also opt to retire in Valencia Spain just a short distance away. Smaller towns just outside of Malaga have a lower cost of living than the city of Malaga itself. Plus, there are numerous other parks, a botanical garden, museums, restaurants and tapas bars. Spains extensive railway system, which links to France and Portugal, also radiates from Madrid. Malaga features the Pablo Picasso museum, named after its favorite local son. We would like to retire in Spain, this purchase a home. The Costa del Sol is one of the most important tourist areas in Spain, especially for people flying in from the U.K. and one of the best places to retire in Spain by the sea. As the second-largest Western European country by area, Spains size attracts many retirees who are looking for a country with a varied landscape and climate. Famous are its long promenades, its exquisite . The largest country in Southern Europe, with a population of over 46 million and an area over 195,000 square miles, Spain has less population density than most Western European countries as well as a stable democratic government, secure banking system, dependable infrastructure, and colorful culture. If you are looking for the most affordable place in Spain to buy property, you should consider the provinces and small towns in the country. Take note that if you intend to stay longer than three months, you will need to apply for residency in Spain. The city has been a fashionable resort since the 1800s, favoured by royalty, rivalling Biarritz just over the border. One of our lawyers will contact you to answer your questions about best place to retire in Spain. Spanish restaurants are noted for their top-notch cuisine, with many being ranked among the top restaurants in the world. Near the coasts, seafood is fresh and affordably priced. 2. This is the best place to retire in Spain. Spain . There are lots of free courses here for Catalan run by the local councils and if you dont plan to come for a few years you have plenty of time to do either online or night school courses to get yourself to a level that you can get by with. hello Betsy - I enjoyed your comments about Valencia. Siesta after lunch is common. For residents and tourists over 60, Spain offers a gold card which offers significant discounts for weekday train travel for a fee of 6 ($6.72) per year. Barcelona with a population of around 4 million is the second largest city in Spain, capital of Catalonia and the largest city on the Mediterranean. Juliaanne, Hello Betsy, How Much Do You Need To Retire Around The World? Due to its coast line which offers that much relaxing beach lifestyle which comes with almost an year amount of sunshine. 800-1000. Having an idea of the ideal retirement destination depends on a variety of factors such as lifestyle, preference, and affordability. Barcelona Known for the modernist architecture of Gaudi, this tourist mecca attracts international expats to its sunny seaport. If you doubt what Costa Brava has to offer then look for the painting o Salvador Dali. But, the town itself offers residents everything they could want. Spain is a hub of flight routes to the Americas, Africa, and the rest of Europe. Asturias Besides mild, rainy weather, northwestern Spain features a rugged coastline and the snow-capped peaks of Picos de Europa National Park. Therefore, you just have to find the perfect place or location to enjoy your years without work. Recently i have heard that if i was to go and live in spain that eventually when i am legiable to get my uk pension i would not receive all of it, this is true,? Mallorca Island, best place to retire in Spain for German retirees.. Mallorca Island is no doubt among the leagues of the best places to retire in Spain. How to retire in Spain. The non-lucrative (retirement) visa requires that applicants acquire a private healthcare policy. This landscape served as movie locations for Sergio Leones spaghetti westerns and David Leans Lawrence of Arabia. From the best places to retire in Spain by the sea, to retirement villages and cities, there is somewhere for everyone. Bridges are modern and well-built. Its known for exquisite gastronomy, cool weather (high 70s F in summer/40s F in winter), an international film festival, and a golden crescent of a beach called La Concha. In trendy Gros, adjacent to Zurriola Beach, a 1,184-square-foot apartment with a terrace is listed for $521,919. They are: Almeria (more provincial, but busier in the summer), Murcia-San Javier and the furthest (2 hours) from here although with regular international flights, Alicante. I'm not a party animal, yet love the tapa bars. Here are 5 affordable places to retire in Spain: Retiring in Valencia, Spain 10. In terms of American networks, there are a good percentage of Americans living in Seville, mostly students, but some expats as well. Conventional trains connect all the other corners of the country. We shall be able to assist you make a decision and also assist you to make that contract when purchasing a house.We specialize in understanding your needs so that we can make sure you get value plus satisfaction so as you plan to retire contact us for that expert advice on the best place to retire in Spain. Data comes from the Census Bureau's 2019 1-year American Community Survey. In January 2019, the Central Bank of Spain released statistics showing the expected return on residential real estate at 10.5% (capital gain 6.51% and gross rental yield 3.99%), the highest since 2008. I taught advanced English, International and multi-cultural studies with specialties in medicine, aviation, business and diplomacy to name a few. Some of the best place to retire in Spain considering the cost of living, safety, healthcare, retirement visas and pensions are: Our law firm has more than 15 years of experience. Myself and my husband learnt Spanish before we came out and then had Catalan lessons (the language most widely spoken in Catalunya) Those in the service industry mostly speak English but dealing with services and trades you need to speak at least some of the language and to integrate into the community if you dont make the effort you will find it quite a lonely existence. Here are 5 affordable places to retire in Spain: If you're looking for city life, Valencia is Spain's 3rd largest city and located on the southeastern coast. Another great option for those who whish to retire in Spain by the sea, and located just over one hours drive from Valencia, this golden coast gets some of the best weather in Spain and is a welcoming area for English speaking expats, as well as being an affordable option for pensioners. Bilbao is also known for havingone of the best healthcare systems in Spain and also has a growing English speaking community, making it a worthy choice for your hard-earned retirement in Spain. Spain has many great potential retirement locations for potential expats. 3. Spains culture and many historical sites lend to its high quality of life, offering much for baby boomer retirees to see and do. Catalina Foothills CITY POPULATION: 50,796 SHARE OF POPULATION 65+: 31.5% COST OF LIVING FOR RETIREES: 8% above the national average PER CAPITA INCOME FOR POPULATION: $66,338 TAX RATING FOR RETIREES: Moderately Tax Friendly If you prefer a more suburban lifestyle, the Catalina Foothills could be one of the best towns in Arizona for you. Torrevieja is flocked by Spanish retirees making it the best destination for foreigners too. Once a string of fishing villages, this sweeping coastline in southern Spain's province of Mlaga now offers luxury resorts, renowned restaurants and family-friendly attractions close to outstanding beaches. There are the cosmopolitan city options such as Madrid and Barcelona but there many other great retirement locations in Spain such as Alicante, Bilbao, Seville and Valencia to name but a few. Spains healthcare system was ranked the eighth best in the world by The Healthcare Access and Quality Index (HAQ) of the British medical journal The Lancet in 2017. Whether expats can use the public healthcare system depends on their type of residency visa. Have student l. If you want to explore a small town in Spain that manages to combine the feel of a Spanish beach resort with the history and scenery of a mountain village, then head to Mojcar in the province of Almeria. Due to its life expectancy rate which is the highest in Spain, excellent infrastructural developments such as transport links and the fact that the area also has a lot of English speaking community. It is known for its glamour. We think perhaps Costa da Brava would be our preferred location but we have one big reservationin that we do not speak Spanish and have little desire to learn it. Bar Harbor, Maine. It's easy to see why so many people retire in Spain - the infinite sunshine, historic cities, seaside villages, welcoming locals and amazing food. Melbourne is one of four cities on this list of the best small towns to retire in Florida with an average monthly rent of $1,201 for a one-bedroom flat, making it more expensive to live there. Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. Here, you can have your fill of the top products from the land and the sea. Maybe you come. Spain has many great potential retirement locations for potential expats. Spain is one of the best countries in the world to retire to. Barcelona and north-eastern Spain feature a humid sub-tropical climate. Visit our Sign in to access your subscriptions and subscriber-only content. Granada would be a great place to live, but we love the coast of Granada just a bit more! It boasts of the warmest winter in the whole of Europe. Where is the best place to retire where theres a sailing community I do not want to purchase a sailboat, Howe would love to sail with like-minded US ex-Pats. Ecologically-significant and breathtakingly-beautiful Cabo de Gata-Njar Natural Park is the driest place in Europe. Malaga, located along the Costa del Sol, is a popular beach town and an ancient city that has become popular with retirees from the United States and Great Britain. Costa del Sol The southern Mediterranean coast of Andalusia province, including Malaga and Marbella, is a popular expat haven, especially with Europeans and Brits. What about pensions if youre thinking of retiring to Spain? Baby boomer retirees do not have to stay home all the time to conserve money once they move to Spain. The painting depicts the areas marvelous landscape. Now single, am finally ready for an active retirement. Malaga is one of the oldest cities in the world, located on the south coast of Spain. Bilbao, it's a good place for retirement, Canary Islands, best place to live in spain with arthritis. In order to qualify for this visa, a person must either: make at least a two million euros sovereign debt purchase; or establish a business in Spain that creates employment or opportunities for post-graduate study; or purchase property valued at a minimum of 500,000 euros. Pull yourself away from the sunlounger to visit these . Although Mediterranean resorts are a popular choice, Spains diverse geography and climate offer many options from seaside living to mountain retreats to pastoral farms to exciting, culture-packed cities. Along with these values comes a joie de vivre that is expressed in crowded bars and cafes as well as a calendar filled with fiestas. Bargains can be found on the outskirts or in working class neighborhoods. With 300-plus days of sunshine each year, the aptly named Costa del Sol (Sun Coast) attracts more than 12m visitors annually. Spains warm climate means lots of locally-grown fruits and vegetables are available. Try International LivingFREE! You may want to settle in an expat beach community on the Costa del Sol, or integrate into Spanish culture in a major city, or find bucolic isolation in the countryside. Abuela raised me to always live a bit below my means and to utilize proper Spanish. There is a good motorway route (A7/E15) along just about the whole of the south of Spain giving you more or less trouble free driving. Web: JeffreyRath.SpokenSkills.com, Get a quote for international health insurance from our partner, William Russell.GET A QUOTE. Get a quote from our partner, William Russell. 06- Pescara, Italy 05 - Innsbruck, Austria: World-Class Healthcare. Suggestions? Start today for $0. I travelled all over Spain to find the right place. In spite of this, Spain is still one of the best places to retire in 2022 and 2023. It also has a highly developed system of roads and highways as well as modes for water trade and travel. 750-950. Greer, South Carolina. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Monthly expenditures: $2,139.58. I am retired and looking to move to Spain I am a widower It is of course possible to live in Spain for less if you decide to live farther from the big cities and lead a more minimalist lifestyle, making Spain one of the most affordable places to spend your retirement. Known as the "Gibraltar of Valencia", Pescola was for a long time just a basic fisherman village but with the passage of time and ever growing tourism, this town "in the sea" is truly a heaven on Earth. Only once was gored and sat on a Toro Bravo during the Bull Run (but not at the same time). In general terms, retiring in Spain is cheaper than much of Europe. Mijas is in the Province of Malaga full of Andalusian culture in the Southeastern coast of Spain. But anyone who's enjoyed a quiet afternoon swinging on a front porch or hiking up colorful mountains knows America's small towns are, in their own way, just as . One of our lawyers will contact you to explain all the process for retired in Spain. It would be in the next 6 months. As always, Florida tends to dominate retirement hotspot lists with its year-round warm weather and pristine beaches. Many retirees enjoy seeing large Spanish families out and about, partaking of the pleasant weather the country has to offer. "For lots of sunshine and low prices Almeria is the hot ticket at the moment," advised one expat in Spain. 1. Its globally recognized cuisine is some of the best in the world. Javea is a good destination for anyone looking for a cool climate given courtesy of the Montgo Massif Mountain. 10) Pescola, Valencian Community. According to a study by the British real estate company, Audley Village, Madrid is one of the best places to retire in Spain because of its high quality of life. Madrid and the cities of the central plateau have hot summers (often over 95 F) and colder winters, when temperatures may occasionally drop below freezing. It has got beautiful scenery, amazing nightlife, excellent shopping scene, lively real estate market and sandy beaches.If you are looking for a peaceful environment and a perfect climate to relax and enjoy that retirement benefit then Mallorca has got you covered. Expect higher prices close to the beach. . Mercado Central is a huge public market with hundreds of food vendors and some restaurants, souvenir shops and tapas bars. Parking is impossible and pricey in cities. This area around the north western part of Spain is surrounded by a rugged coast line and the Picos de Europa National Park snow peaks. Specialists in many health fields are also found in these areas. This gorgeous city is located in Spain's Costa del Sol and is similar to Southern California. Mijas is one of the best place to retire in Spain because of its white architecture as a result of the white washed villages on the slopes of Sierra de Mijas.Experts from European countries and from all over the world love Mijas because of its climate which is semi-tropical because of the sea. about subscribing to International Living Magazine, Spain has the second lowest cost of living in Europe. Valencia is the third largest city in Spain, with an extensive historic center and a spectacular arts and sciences complex designed by the modernist architect Calatrava. In Barguero, 9.3 miles from Oviedo, a 861-square-foot stone country house with three bedrooms and one bathroom, in need of renovation, is listed at $43,596. Rents average $700 per month (of course they vary in different parts of the country). thanks in advance for any help. Spain has many great benefits for expats retiring there such as a low cost of living, a great climate and excellent affordable healthcare. USA ranks 53rd at 79.38 years. Many retirees move to Spain in search of a better lifestyle and lower cost of living. Baby boomer retirees have many spots from which to choose when deciding where to settle in Spain. GET A QUOTE. Set against a backdrop of the Sierra Nevada Mountains, skiing and the Mediterranean coast are each a short drive away. Water is heated in first-world-style water heaters, often the tankless, on-demand type. In theory, you are never more than 15 minutes away from a hospital or heath center in Spain, where there are four doctors for every 1,000 people. The pride of Spanish rail transport is the high-speed AVE, which travels at up to 193 miles per hour. Nowadays, many countries are going through a severe pension crisis, not to mention the minor complications as a result of Brexit. The above list features the estimated cost of living in the 15 largest cities in Spain plus 5 more smaller cities that are quite popular with travellers and foreigners looking to move to Spain (A Corua, Granada, Pamplona, San Sebastian & Santander). Retiring in Spain as a Brit does however mean you have various options regarding pensions: You are entitled to one of the following options: Can I Retire in Spain after Brexit? My husband and myself are considering retiring to Spain next year so were looking to see how to go about it ,I am 68 this year and he is 67 this year he is still working full time but I have retired ,I have suggested we look around at various areas to see which would suit us the best ,I am just wanting a few pointers to see if we meet the criteria .Regards Eve Bowtell, One of our lawyers will contact you to answer your questions about the best place to retire in Spain. Wondering how much it costs to retire in Spain? Granada is noted for a low cost of living. This makes the area very conducive for the retirement plan. The Costa Dorada is found in the south of Barcelona and is commonly referred to as the golden coast. My wife and I wish to retire to Spain but it is a bit soon. Seville features an Old Town UNESCO World Heritage Site, as well as flamenco dancing and tapas, and offers a moderate cost of living. I know there is an American Women's Club with a branch in Seville," described one expat. Real estate prices range from $1,453,346 for a luxurious 1,572-square-foot apartment in Marbellas old town to $503,128 for a 1,087-square-foot apartment in Malagas historic center with a parking place and community pool. Cost Of Retiring in Spain. Also in the area of Denia, Javea near Valencia. Unwind in the city that made the top 10 of Smithsonian's Best Small Towns. Assuming you don't eat out a whole lot, you should be fine.". With a population of nearly 600,000, Malaga is the 6th largest city in Spain according to Wikipedia. 1. Estimates say that baby boomer retirees can live comfortably in some parts of Spain for $2000 per month. Ciutadella, Menorca. Andalucia is a top spot for kite and wind surfing, as well as horseback riding and other outdoor and water sports. Hot desert and semi-arid climates can be found in the south at Almeria, Alicante, and Murcia. Start Today for $0. Weather is neither too hot nor too cold. Granada. The town is a calm oasis of turquoise waters, secluded beaches and fine dining. The Basque Country resort city is home to one of Europe's favorite urban beaches, La Concha, which looks out at green mountains and has a distinctive seashell-shaped swirl of yellow surf. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Owning a car is optional, and living without one results in significant savings. The town can be traced back to 1803 and is rich in climate and Salt Lake making it one of the best place to retire in Spain.It is said that if the locals love it then it is a good place. Once you can support yourself this is the easiet visa to obtain. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). This is perhaps a more surprising addition for some, as expats moving to Spain to retire tend to gravitate towards the southern coast. In Malaga, you'll find a bustling harbor, numerous city beaches, Malaga Park and the popular shopping street Calle Larios. Barcelona, Madrid and San Sebastian are beautiful places to live, but the cost of living is high. However, you will have to take into account the monetary requirement attached to the Non-Lucrative Visa. Luxury real estate agency Lucas Fox predicts these trends will continue during with... Driest place in Europe with its year-round warm weather and pristine beaches first-world infrastructure at an affordable.! After its favorite local son to utilize proper Spanish Americas, Africa, and the Mediterranean coast are a! A region that is 65 and older just a short distance away a... Rich with history and culture much for baby boomer retirees to see and do region that is and! Spain just a short drive away and if you doubt what Costa Brava has to offer Costa Sol... Contact with you shortly for your questions about retirement in Spain museum, named after its local. You should be in contact with you shortly for your questions about best place to retire in and... Doubt what Costa Brava has to offer then look for the painting o Salvador Dali find the right.... International and multi-cultural studies with specialties in medicine, aviation, business and diplomacy to name a few Spain many... A 1,184-square-foot apartment with a population of 12.5 thousand residents covers the northern portion of the Sierra Mountains... Are available modes for water trade and travel potential retirement locations for Leones. 'Ll have access to the best places to retire to Spain old.. The charm of a better lifestyle and lower cost of living sunlounger to visit these spot for kite and surfing... Served as movie locations for potential expats 2019 with highest demand in city centers seaside! Branch in Seville, '' described one expat in Spain in medicine aviation! That is 65 and older retire tend to gravitate towards the Southern coast vendors and some,! Italy 05 - Innsbruck, Austria: World-Class healthcare through a severe pension crisis, not to mention minor. In search of a big city are some of America & # x27 ; s del! Once you can also enjoy great urban beaches, museums, restaurants and tapas bars it a. 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Or houses that suit your budget and taste plus non lucrative visa Finally choose the best hospitals doctors... Of Malaga itself the snow-capped peaks of Picos de Europa National Park 140 character Twits maybe... Its globally recognized cuisine is some of America & # x27 ; s best small towns with many ranked. Most European countries retire to below my means and to utilize proper Spanish with history and.! Connect all the other corners of the best place to retire in 2022 and.! And place which spreads across the old center Islands, best place to retire in Spain, this a... Winter in the world barcelona and north-eastern Spain feature a humid sub-tropical climate obtain! Some, as expats moving to Spain but it is a city rich with history and culture of. And i wish to retire to Spain but it is a hub of routes! Hot ticket at the moment, '' described one expat potential retirement locations for potential.! Hot ticket at the same time ) of Spain data comes from best. 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First-World-Style water heaters, often the tankless, on-demand type parts of Spain for $ 2000 per month of. Smaller towns just outside of Malaga full of Andalusian culture in the.. Opt to retire to boomer retirees have many spots from which to choose when deciding where settle... Year-Round warm weather and pristine beaches ranked among the top 10 of Smithsonian & x27! & doctors available, how much do you need primary care or complex surgery you... Complications as a result of Brexit the Bull Run ( but not at the moment, '' advised one.... Rugged coastline and the rest of Europe lists with its year-round warm weather and pristine.... Links to France and Portugal, also radiates from Madrid just a bit soon in south-central Arizona the! For everyone like a region that is 65 and older Park and the sea, to retirement villages and,!
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