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Believe it or not, you can live like royalty with maids, gardeners, drivers, and my favourite five dollar Bali massages in the privacy of your own home.
See more details after this article on our Bali Luxury Retirement Villas starting as low as hundred and $184,888 U.S.D.
Attention baby Bali Canadian baby boomers. As it states below you don't necessarily meet need $1 million to retire in comfort if you're a Canadian baby boomer born between 1946 to 1964.
In fact I live in a place where you don't even need more than $400,000 .
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| Editor Lawrence a Nova Scotian at his beachfront home in Bali |
See more details after this article on our Bali Luxury Retirement Villas starting as low as hundred and $184,888 U.S.D.
Nelson Smith
The Motley Fool1 February 2020
If you believe the pundits, you’ll need at least a cool million to retire. If your lifestyle is anything beyond a lower-middle-class one, you’ll likely need much more. Or so they say.
Personally, I disagree with that assessment — something that’s usually spouted by financial planners or fund managers who directly benefit from having more assets under management. Many Canadians are guilty of the exact opposite sin, with many saving too much for retirement. The cash never gets spent and eventually gets inherited.
If you approaching retirement age today and you only have a mere $500,000 set aside for your golden years, can you really afford to retire? I think you can. Let’s take a closer look at the details.
Retirement income analyzed
If we use the oft-referenced 4% retirement withdrawal rule, it looks to be pretty obvious. A $500,000 nest egg translates into a mere $20,000 in annual income. That’s not nearly enough to retire, and it’s certainly not enough to retire early.
But we must remember there are other potential sources of income out there. For instance, a retiree and their spouse will both collect CPP and OAS payments, cash that can easily total $1,500 per person each month. Even if these folks take their CPP early, we’re still looking at a conservative estimate of $15,000 or $20,000 annually in extra income. That works out to $35,000 to $40,000 per year.
There are other levers a retiree can use to get even more income. Perhaps the family home gets sold, partially to free up capital to invest and partially as a lifestyle choice. Or perhaps you or your spouse will go back to work part-time, an excellent plan that has many benefits that aren’t entirely financial.
Remember, your expenses will go down over time, too. You’ll no longer have a long commute to work. Taxes will go down, since you’re not making as much income. Retirement savings won’t be necessary any longer. Even small expenses, like not having to maintain an expensive work wardrobe or eat lunch out, will add up. And it’s unlikely you’ll travel much in the second half of your retirement.
I’ve talked to retirees who were shocked to realize these expenses were easily costing them $20,000 per year. Suddenly, their $40,000 retirement income went a long way.
One way to goose your income
As I’ve demonstrated, you could easily have $40,000 or $50,000 in total household income if you retire with just $500,000 in the bank. That should be good enough for most folks, but it’s always nice to have a little extra.
A portfolio stuffed with Canada’s best high-yield stocks can help increase your income. A 6% yield will turn a $500,000 nest egg into something that produces $30,000 each year alone.
One stock that can help you increase your portfolio yield is Laurentian Bank of Canada (TSX:LB), Canada’s seventh-largest bank.
Laurentian has had a few issues lately, including some lacklustre results, controversy with its mortgage operations, and issues with downsizing some unionized staff. These issues all appear to be in the rear-view mirror, but shares continue to be depressed because of general fears surrounding the Canadian banking sector.
Management promised changes to boost the bank’s profitability, putting it more in line with its larger competition. These changes are taking longer than expected, with full results not expected to hit the bottom line until fiscal 2022.
Onto the good news. Laurentian Bank shares are cheap on a number of different perspectives. They trade solidly under book value, while most of its larger competitors trade at 1.5-2.0 times book value. It’s also cheap on a forward earnings perspective, trading at just 9.5 times 2020’s expected bottom line.
The stock also pays one of the most generous dividends in the whole financial sector, checking in today at a 6.1% yield. With a payout ratio of approximately 50% of earnings, you don’t have to worry about the yield. It’s secure.
The bottom line
If you’re looking to retire on just $500,000 and enjoy a middle-class lifestyle, I say it’s very possible. Between normal portfolio withdrawal rates, government assistance, and the potentially working a little, you should have plenty. And if you’re looking for a little extra income, high-yield stocks like Laurentian Bank can help.
More reading
Fool contributor Nelson Smith owns shares of LAURENTIAN BANK.
The Motley Fool’s purpose is to help the world invest, better. Click here now for your free subscription to Take Stock, The Motley Fool Canada’s free investing newsletter. Packed with stock ideas and investing advice, it is essential reading for anyone looking to build and grow their wealth in the years ahead. Motley Fool Canada 2020
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Bali Luxury Retirement Villas as low 2.8 Milyar
(* $184,888 U.S.D. or$268,888 Aus.)
Pretty well everything you need to know including location, prices, and designs plus information on Bali and Bali retirement visas is available on our web site https://www.baliluxuryretirementvillas.com.
The information is available on our website:
1. INTRODUCTION
2. THE LOCATION
• 100% legal for foreigners.
• Includes leases totaling 80 yrs.
• Private carport included.
• Private 8 m (27 Ft.) pool** for leisurely laps.
• Only 200 Mtr. To a fabulous beach, restaurants, beach clubs.
• Great investment for you and your heirs.
• Private Housekeepers & drivers, only $200 MTh.
• Healthcare at a fraction of Western costs.
• Brand-new hospital within five minutes.
• Award-winning international Airport 35 min.
• Proximity to Sanur, Ubud, Denpasar.
• Walking distance to affordable restaurants and beach clubs
• Shared low costs of pool man and gardeners.
• Minuscule monthly common area fees.
• Managed by 15-year-old, Hall of Fame award-winning management company
• *Price of the least expensive villa in U.S.D. after $10,000 Discount for the first two villas only. Subject to change without notice.
• **Eight-meter first-class swimming pool Only U.S.D. $28,888 Extra
Our 14-year-old Bali company Pt. Bali Affordable Lifestyles International (PT. B.A.L.I.) with over 100 + staff and thousands of satisfied clients guarantee completion of any villas purchased now in 2020.
Conclusion:
These villas offer you an opportunity to own a luxury home on arguably the Best Island in the world with some of the greatest weather, lowest cost of living, clean air, and friendliest people.
Profit Now Move in Later:
You may not be ready to pack up and move to Bali in the next few years.
So, you may purchase now at these ridiculously low prices and we can normally rent them out for you for a monthly income of $1,500 to $2,000 U.S.D. per month.
Our 15-year-old “Hall of Fame” the award-winning management company that manages villas for V.I.P.s such as the former director of General Electric and Ritz Carlton can provide substantial net monthly income to supplement your pension while providing a carefree rental unit.
Confused? We understand that you may have concerns that we may not have even thought of, so feel free to ask whatever questions you wish.
We do not want you to even think about purchasing our © Bali Luxury Retirement Villas unless you are 100% convinced that they are safe, and perfect for you and your family.
Limited Offer: Save $10,000:
As with any new project we are anxious to sell the first few villas.
We have one already on hold and are only willing to offer one other villa at a $10,000 discount. First come first serve.
Free Stay in Luxury Estate:
If you wish to fly over and see the location first after you place a USD 2,000 Deposit we will offer you free accommodations in a 4 bdrm. 5 bath luxury beach view estate with a private 14 m pool for three days within walking distance of the location.
When you decide to conclude the purchase, we will extend the free estate accommodation for an additional four days.
Should you decide not to continue with the purchase we will refund your $2,000 Deposit minus $200.00 for the three-day stay.
Thank you for taking the time out of your busy schedule to review this information and information on the website. If there is any further information we can provide you please do not hesitate to ask.
Cheers, THE SALES TEAM © Bali Luxury Retirement Villas
PLEASE CALL OR EMAIL US: Tel: 62-361-284069 Mobile or Whatsapp 62-812-3814014 Email: infoBLRV@gmail.com
P.S. We also have several larger villas available from two-bedroom www.baliluxuryvillasales.com
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| Starting as low as $158,888. |
to four-bedroom www.baliparadiseestates.com
starting as low as $158,888. The leases on these units vary from 34 years to nine years remaining.
Please contact us if you wish for further information. Tel: 62-361-284069 Mobile or Whatsapp 62-812-3814014 Email: infoBLRV@gmail.com
Are you tired of traditional investments such as banks and bonds that only offer 1%- 6% per year, which may not keep pace with the real inflation?
Do you want to become rich the way over 60 % of self-made multi-millionaires did?
“Become rich the way over 60 % of self-made multi-millionaires did?”
According to PT. B.A.L.I., one of Bali's leading real estate experts for the past 14 years, who have thousands of satisfied clients, this is the “Second best time to purchase Bali Real Estate this century”.
“Second best time to purchase Bali Real Estate this century”.
Coupled with the fact that Bali Real Estate has recently undergone the first correction in modern history with prices down as much as 50 % this may have set the stage for *increases of 20 % to 100 % in the next three to five years.
Free Bali Real Estate Seminar Video:
Whether you are a buyer, seller, broker, agent, investor, lessor or renter you can benefit from viewing PT. B.A.L.I’s latest Free Bali Real Estate Seminar Video filmed just a few months ago.
At this seminar PT. B.A.L. I’s Canadian President, a 23 yr. Bali resident, who is married to a fully Licenced Indonesian Notaris reviewed the most recent real estate laws for Indonesians and Foreigners in detail.
He also discussed the Past, Present, and Future of Bali Real Estate.
Click Here to view the latest Free Bali Real Estate Seminar Video
Free Seminar Topics:
During this Free Bali Seminar Video
you will learn about:
>The Past, Present and Future of Bali and Indonesian real estate.
>Why a recent official clarification of foreign ownership laws allows foreigners to totally control Indonesian properties for up to 80 years.
> How to avoid legal problems and make sure a property is safe.
> How to avoid complicated real estate laws - Indonesians married to foreigners.
> Why this is the second-best time to buy this century.
> Where are the best locations to buy for maximum profits?
> What type of properties will offer the best potential of *10% to 20 % per year?
> Discover how you can sell your property fast for the highest prices and lowest commissions.
> An opportunity for a free listing on B.A.R.E.
> First Class Beachfront property at almost 50% discount.
> A Quality 5,000 m2 Bali Hotel with 12 bungalows, 3 pools, and Restaurant for only $588,000.
> Low-cost properties with Luxury Villas starting as low as $158,888 for a three-bedroom 650 m² 3-bedroom, 4 - bath with private 9 - meter. Pool in Sanur.
> Ridiculously low-priced ocean view building lots starting as low as $25,000 for 500 m².
> Brand New Bali Luxury Retirement Villas starting at $184,888.
Note from The Seminar Speaker:
Since many of you have busy schedules and are unable to attend our seminars we think you will find our latest Free Bali Real Estate Seminar Video provides an exceptional education that will help you understand Bali real estate laws and allow you to make some substantial profits from Bali real estate investment.
After living in Bali for 23 years and running a Development and Real Estate Company for the last 18 years plus the fact that I'm married to a full lead licensed Notaris I think you will find that everything that you need to know about Bali Real Estate is covered in this timely seminar.
So, what have you got to lose? It’s Free and very Educational.
Click Here to view the latest Free Bali Real Estate Seminar Video
Feel free to contact me directly for a free private consultation at my office in Sanur.
Lawrence B.M.B, Owner, President, Director
For a free one-hour legal consultation you may contact my Partner & Wife Azizah regarding anything from Indonesian Laws, Establishment of legal companies, securing proper visas, Marital contracts including prenuptial's post nuptial’s, etc.
Tel or Whatsapp +628113864993
Email: balinotarisazizah@gmail.com
About the Speaker Lawrence. Is the Owner, President and General Manager of 14-year-old Pt. Bali Affordable Lifestyles International (PT. B.A.L.I.). Doing Business as Best Asia Real Estate.
His spouse and partner Azizah, is a fully licensed Indonesian Notaris with a master’s degree in Indonesian Law specializing in real estate, corporate and Foreign Marital documentation.
Together they and their 100 + professional staff provide a one-stop professional, efficient location for Buying, Selling, Leasing and Renting Asian Real Estate.
They manage Best Asia Real Estate, PT. Bali Luxury Villas with rentals starting at $99 ++ per room per night & Bali Luxury Villa Sales Starting at $158,000, plus Bali Paradise Beach Estates rentals starting at $128.00 ++ per night and Estate sales starting at $350,000. plus Bali Luxury Retirement Villas starting at #198,888 .
"Recipients Hall of Fame Award, awarded to only 2 % of the Hotels listed on TripAdvisor Worldwide"
They are a Ten-time Consecutive Certificate of Excellence recipient on the World's Largest Travel Site. This places them among the top 10 % of hotels and villas listed by Tripadvisor worldwide.
They are a Ten-time Consecutive Certificate of Excellence recipient on the World's Largest Travel Site. This places them among the top 10 % of hotels and villas listed by Tripadvisor worldwide.
Lawrence is also one of Asia’s best-known travel and real estate investment experts. They publish the daily Bali & World News & Views Blog which combined with Bali News and Views Blog has had almost 1,500,000 pageviews. They also publish the Best Asia Real Estate Blog, Facebook, and Twitter posts. He offers free real estate seminars throughout Asia every quarter. For Free Seminar schedule email to seminarsptbali@gmail.com
Head Office: Jl. Karangsari # 5, Sanur, Bali, Indonesia 80228 Tel. Office: 62-361-284069 Fax: 62-361-270143,
Mobile: or Whatsapp: English: 62-8123814014 Bahasa Indonesia: 62-8113864993 Email: lawrenceptbali@gmail.com Skype: baliagents
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