Author Topic: The Villages in Florida  (Read 27613 times)

Roadrunner53

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The Villages in Florida
« on: April 28, 2018, 07:53:08 AM »
Does anyone here live in The Village in FL? If so can you tell us your experience there.

I am interested in that lifestyle and looked on line at some homes there. The Villas seem to have fencing around the houses which is nice if you have animals or grandkids visit.

I am very interested in costs of every day stuff. Electricity, garbage removal, cable/internet costs, taxes and I am very concerned about HOA fees and any other annual fees.

Also, interested in people's views of living there. How do you like it? Are you glad you moved there? Do you belong to a lot of clubs? Do you wish you moved to another type of 55+ community? Are there other FL places you think you would have liked better?

I live in CT and moving to FL would be a huge change for us.

nick663

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Re: The Villages in Florida
« Reply #1 on: April 28, 2018, 08:20:29 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

nereo

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Re: The Villages in Florida
« Reply #2 on: April 28, 2018, 08:23:22 AM »
My in-laws live in The Villages. 
Short version - they love living there, we absolutely hate visiting.

in regards to your specific questions - from what they tell us over holiday dinners, the HOA fees are substantial, but everything is taken care of by teams of laborers. Things are also kept very neat and uniform.

For us, we hate going there because its so unwelcoming to visitors, particularly those under 55.  There are strict rules about how long visitors can spend (i believe its 72 hours, and then there are limits over the # of days/month too). When walking around the grounds people seemed very wary of our presence. 
This may or my not matter to you depending on whether you expect family to visit.

One oddity that our in-laws have spoken at length is the culture of 'new' vs. old and the tricked-out golf cats.  EVen though The Villages has a minimum age (55?) older residents complain at length at those 'younger' residents driving their carts around too fast and being too loud.  the younger residents equally complain about the older ones.  It's like teenagers and parents all over again.  With cars extremely restricted most people drive golf carts around, and some spend a fortune having theirs customized (didn't even know this was a thing until I visited about five years ago).  It seems everyone belongs to multiple clubs, and that seems to dictate your social circles to some degree.

It's Florida, so Fall, Winter and Spring are mild.  Summers and very hot and humid, but air conditioning is omni-present and everywhere seems set to 65ºF (sometimes colder).

Hope that helps somewhat.  I wouldn't choose to live there, but in-laws are very happy that everything is neat, orderly and taken care of.  It's definitely costly .

Roadrunner53

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The Villages in Florida
« Reply #3 on: April 28, 2018, 08:30:50 AM »

Another Reader

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Re: The Villages in Florida
« Reply #4 on: April 28, 2018, 08:41:20 AM »
Some of the forum participants over at early-retirement.org live in The Villages.  I believe there there are threads about living there as well.

DreamFIRE

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Re: The Villages in Florida
« Reply #5 on: April 28, 2018, 08:53:03 AM »
Ask pbkmaine or Potterquilter

They seem to like it there.

I work with someone whose parents live there, and I haven't heard any negative feedback.

Bracken_Joy

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Re: The Villages in Florida
« Reply #6 on: April 28, 2018, 08:54:43 AM »

rab-bit

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Re: The Villages in Florida
« Reply #7 on: April 28, 2018, 09:13:40 AM »
My in-laws have lived there for over 10 years and they also love it. I don't know their budget in any detail but they basically live off of social security (with MIL getting only spousal benefits) and a couple of small pensions and they seem to be doing fine financially.

There are tons of clubs with MIL involved in quilting and art clubs. There are also clubs for people  from different areas (e.g. in-laws belong to the Pittsburgh club and gather with others to watch Steelers games, etc.

Dave1442397

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Re: The Villages in Florida
« Reply #8 on: April 28, 2018, 10:11:51 AM »
One of my cycling buddies lives there part time. They go down after Thanksgiving and come back to NJ in the Spring. He seems to like it, but I know nothing about the finances.


debbie does duncan

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Re: The Villages in Florida
« Reply #9 on: April 28, 2018, 11:15:57 AM »
Calling pbkmaine.....who I believe lives in the Villages and loves it.

pbkmaine

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Re: The Villages in Florida
« Reply #10 on: April 28, 2018, 11:18:18 AM »
My husband and I have lived in The Villages for 4 years. We are both glad to be here. There’s always something to do, it’s safe, inexpensive, and people are very friendly.

If there is a typical Villages couple, they are white, midwestern, extroverted, church-attending, golf-playing Republicans who went to a state university. That doesn’t really describe us, and our friends here tend to be on the more diverse side, but we coexist happily. Many people play golf, which is included in the amenities fee of $152 per month. Lawn service is $70. Pool service is $100. Water runs us about $50, but we do have a pool. Sewer is $40. Sanitation is $18. Electric was $126 last month. Gas was $90. We live here much more inexpensively than we did in New Jersey or Maine.

Homeowners insurance is relatively expensive in Florida. We just got our bill for next year, and it’s $1100. It will go down when we replace our 19-year-old roof. We pay another $1000 for car insurance for 2 cars, model years 2012 and 2013.

The houses range in price from $100k for manufactured houses in the oldest Villages to $2 million in the fanciest Villages. Median price is around $275-$300k. We own a house in a mid-priced area. It is 1800 sf 3 bedrooms, 2 baths with a pool. We paid $310k for it. RE taxes are $2700 per year. We deliberately stayed away from the higher-priced neighborhoods, since there is more Keeping Up With The Joneses in such places and we don’t play that game.

Most people have a golf cart. There are golf cart paths and lanes everywhere. We paid $3k for a used one, but you can spend up to $25k if you want a fully tricked-out one that looks like a Model T.

We like the fact that there are lots of people our age with similar reference points. I often describe The Villages as a college campus for wrinkly people. At least, that’s the way it feels to me. It’s not a particularly good place for meditative introverts, though.

I don’t like the fact that the landscape is manicured and the houses look similar. I like a wilder, more natural beauty to my landscape. Maine, where we lived before we came here, was more to my taste. But my husband hated the long winters there, and is much happier and more active here. I think the move may have added years to his life. I do like the people and the activities. There are 2500 different interest groups in this community of 120,000 people.

To learn more, I recommend the website Talk of The Villages. Just get on there and read the posts.

Roadrunner53

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Re: The Villages in Florida
« Reply #11 on: April 28, 2018, 11:30:33 AM »
pbkmaine have you shopped for car/house insurance? We swapped over to AARP and we save a lot of money.

Do you get a homesteading discount on your taxes?

pbkmaine

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Re: The Villages in Florida
« Reply #12 on: April 28, 2018, 02:01:32 PM »
Yes, we get the homestead exemption. We can’t switch homeowners until we replace the roof.

DreamFIRE

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Re: The Villages in Florida
« Reply #13 on: April 28, 2018, 02:03:15 PM »
Homeowners insurance is relatively expensive in Florida. We just got our bill for next year, and it’s $1100. It will go down when we replace our 19-year-old roof.

That doesn't sound bad at all, especially for Florida.  I live the midwest in a house valued at less than half what you paid, and my insurance is $855/yr (with $1000 deductible, longevity discount, multi-policy discount, no claims discount.)

Quote
We own a house in a mid-priced area. It is 1800 sf 3 bedrooms, 2 baths with a pool. We paid $310k for it. RE taxes are $2700 per year.

Nice low property taxes!  My home is valued at less than half of yours, but my property tax was $3600 last year (with homeowner occupied exemption.)
« Last Edit: April 28, 2018, 02:22:38 PM by DreamFIRE »

Roadrunner53

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Re: The Villages in Florida
« Reply #14 on: April 28, 2018, 04:05:23 PM »
I don't work for AARP and don't work at all...retired. However, we had Allstate for years and years and the cost kept going up and up. Finally, I called Allstate and talked to our agent and asked if he could reduce our cost. He said he'd call back. He did and said NOPE can't do anything. GRRRRRRRRRRRR!!! We had been with them for at least 25 or more years. So, I ended up calling AARP and saved $800 at least by changing over our cars, house and we bought an umbrella policy. Plus, the coverage is better than what Allstate was giving us. If you want to save money, at least check it out. Then when we retired, Hub sold one of our 3 vehicles and the cost went down and we also told them we don't drive very far during the year and that is the truth, they reduced our insurance even further.

AARP will ask you a million questions so be prepared with your house eval from taxes, how far you are from a hydrant, Car information. I was on the phone long time but it was so worth it! I also have the AARP equivalent of AAA and it is identical as far as I can see and it costs less too.

VoteCthulu

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Re: The Villages in Florida
« Reply #15 on: April 28, 2018, 04:58:30 PM »
There are a ton of retirement communities in Florida, and the Villages is the biggest. Each offers their own amenities, so I would suggest renting in a few different places to see which one is right for you.

I know some snowbirds that ended up in a community south of the Villages for about half the price. They can't drive their golf cart to the grocery store, but it has nice golf courses and other sports they enjoy.

Roadrunner53

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Re: The Villages in Florida
« Reply #16 on: April 28, 2018, 05:37:54 PM »
We don't golf but the golf cart transportation is very inviting, something we would like a lot!

pbkmaine

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Re: The Villages in Florida
« Reply #17 on: April 28, 2018, 06:36:32 PM »
We don't golf but the golf cart transportation is very inviting, something we would like a lot!

The golf cart access is nice. I know a 93-year-old woman who lives independently without a car. She runs errands in her golf cart.

Cassie

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Re: The Villages in Florida
« Reply #18 on: April 30, 2018, 12:27:01 PM »
We have heard good things about it but the fees and property taxes are high for us. Our house in NV is worth 350k yet our property taxes are 700/year. We don't pay any association fees because there is none. All the activities look great though.  I think the other negative is the heat most of the year. 

pbkmaine

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Re: The Villages in Florida
« Reply #19 on: April 30, 2018, 01:58:45 PM »
We have heard good things about it but the fees and property taxes are high for us. Our house in NV is worth 350k yet our property taxes are 700/year. We don't pay any association fees because there is none. All the activities look great though.  I think the other negative is the heat most of the year.

The heat issue is real. It is 84F (29C) here today, and will probably not be much cooler until November. Right now it’s not too humid, but June-September that becomes a factor, too. What I do is time shift. Today I played golf at 2pm, but starting next week will shift to 8am, and will play at that time until November. It is lovely and cool here and not too humid until 9am. From 9am until sunset during the hot months, you want to be indoors or in a pool. We have our own pool. It’s inside a screen room, known here as a “birdcage”, and our roof screens are 60% sun blocking. We still use SPF, though, because we are fair skinned. In the summer, we are in our pool every day. There are community pools all over The Villages, and air conditioned recreation centers where thousands of activities take place. Wednesdays, for example, Is my yoga day.

HPstache

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Re: The Villages in Florida
« Reply #20 on: April 30, 2018, 02:05:36 PM »
I know of the Villages, but only because of a strange/obscure reason.  I am a big pickleball player and the Villages are known across the country as one of the top pickleball locations.  They often host the national championships there.  Pickleball is an extremely fun sport for all ages, I'd consider it to be pretty Mustachian too!  Definitely try it out if you end up living there.

ETA:

https://www.insidethebubble.co/pickleball-paradise/
« Last Edit: April 30, 2018, 02:07:45 PM by v8rx7guy »

pbkmaine

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Re: The Villages in Florida
« Reply #21 on: April 30, 2018, 07:09:01 PM »
People are incredibly active here. We send hundreds pf people to the Senior Olympics every year. Pickleball, tennis, softball, bicycling, swimming, golf - people participate in huge numbers. I do yoga, golf, bicycling, swimming, water aerobics and line dancing, and I’m not even the most active person on my street.

Daisy

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Re: The Villages in Florida
« Reply #22 on: April 30, 2018, 08:35:07 PM »
I know of the Villages, but only because of a strange/obscure reason.  I am a big pickleball player and the Villages are known across the country as one of the top pickleball locations.  They often host the national championships there.  Pickleball is an extremely fun sport for all ages, I'd consider it to be pretty Mustachian too!  Definitely try it out if you end up living there.

ETA:

https://www.insidethebubble.co/pickleball-paradise/

I had never heard of pickleball until I visited a friend at The Villages. I am a tennis player, so it was easy to learn to play pickleball.

Daisy

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Re: The Villages in Florida
« Reply #23 on: April 30, 2018, 08:37:00 PM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

The joke I heard about The Villages is that swingers ride around in their golf carts with loofahs to indicate they are game. However, when visiting a friend at The Villages, I didn't see any loofahs on the golf carts. I think my friend was hiding their loofah collection from me and then probably took them out after I left. :-)

pbkmaine

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Re: The Villages in Florida
« Reply #24 on: April 30, 2018, 11:53:24 PM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

The joke I heard about The Villages is that swingers ride around in their golf carts with loofahs to indicate they are game. However, when visiting a friend at The Villages, I didn't see any loofahs on the golf carts. I think my friend was hiding their loofah collection from me and then probably took them out after I left. :-)

You are giving away all my secrets, Daisy!

MrThatsDifferent

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Re: The Villages in Florida
« Reply #25 on: May 01, 2018, 12:41:53 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

Oh c’mon! No one is going to discuss the STD and 1/2 open garage bombshell!?!  I want deets! Lol

DreamFIRE

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Re: The Villages in Florida
« Reply #26 on: May 01, 2018, 05:08:44 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

Oh c’mon! No one is going to discuss the STD and 1/2 open garage bombshell!?!  I want deets! Lol

STD rates are very high in the general population, not just The Villages.

slappy

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Re: The Villages in Florida
« Reply #27 on: May 01, 2018, 06:06:22 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?
[/qu

Oh c’mon! No one is going to discuss the STD and 1/2 open garage bombshell!?!  I want deets! Lol

I have no deets, but I have heard this as well.

pbkmaine

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Re: The Villages in Florida
« Reply #28 on: May 01, 2018, 06:10:33 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?
[/qu

Oh c’mon! No one is going to discuss the STD and 1/2 open garage bombshell!?!  I want deets! Lol

I have no deets, but I have heard this as well.

If there’s swinging going on, no one has asked me.

BTDretire

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Re: The Villages in Florida
« Reply #29 on: May 01, 2018, 09:47:37 AM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?
[/qu

Oh c’mon! No one is going to discuss the STD and 1/2 open garage bombshell!?!  I want deets! Lol

I have no deets, but I have heard this as well.

If there’s swinging going on, no one has asked me.
Have you tried something low cut? :-)

pbkmaine

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Re: The Villages in Florida
« Reply #30 on: May 01, 2018, 09:52:25 AM »
I have, if I do say so myself, excellent cleavage. Apparently I give off that pesky “happily married” vibe.

Cassie

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Re: The Villages in Florida
« Reply #31 on: May 01, 2018, 09:57:20 AM »
I quit looking into the villages once I realized that our insurance would only pay 50% because we would be out of network.  DH won’t be on Medicare for 6 more years.

pbkmaine

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Re: The Villages in Florida
« Reply #32 on: May 01, 2018, 10:10:48 AM »
I quit looking into the villages once I realized that our insurance would only pay 50% because we would be out of network.  DH won’t be on Medicare for 6 more years.

Bummer.

UnleashHell

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Re: The Villages in Florida
« Reply #33 on: May 01, 2018, 10:17:13 AM »
I have, if I do say so myself, excellent cleavage. Apparently I give off that pesky “happily married” vibe.

It could be the laugh that scares them.

:D


BTDretire

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Re: The Villages in Florida
« Reply #34 on: May 01, 2018, 10:24:36 AM »
I have, if I do say so myself, excellent cleavage.

I can appreciate that!
Quote

Apparently I give off that pesky “happily married” vibe.

  I bet there are some that are happily married, but also visit the wild side.
Not sure I can help with that pesky  “happily married” vibe.

btw, my wife leaves the garage door part way up,  I thought it was beacause
she wanted the breeze but not the sun, now I have to think about that! :-)
« Last Edit: May 01, 2018, 10:27:45 AM by BTDretire »

Roadrunner53

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Re: The Villages in Florida
« Reply #35 on: May 01, 2018, 10:25:43 AM »
pbkmaine, did you consider taking out a Home Equity Conversion Mortgage (HECM) when you bought in The Villages? This is the type of mortgage you do while selling your current home while buying a different home.

For instance, your house of $310,000 could possibly have been 'purchased' for approx. $155,000 and the other $155,000 never has to be paid back and you have no mortgage to pay as long as you live there. Therefore, the money leftover from your current home could be used for retirement purposes.

Do you know of people doing this in The Villages?

The other 'good' side of this is that it might allow a person to buy a more expensive home than they would have been able to afford. Like for instance if you wanted a $500,000 home, you'd only have to put down approx. $250,000 and no mortgage as long as you live there.

The down side is that your house basically has an equity loan on the unpaid portion and if you should move, you wouldn't get much money when you sell the house.

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Re: The Villages in Florida
« Reply #36 on: May 01, 2018, 11:00:17 AM »
So this is an isolated incident, and I know many people who have had great experiences in retirement communities, but I wanted to share this here.

I lived in Florida until somewhat recently.  At one point when I lived there my close friend and her sister, both mid-20's at the time (sister a bit younger), went to visit a relative at one of these communities.

They had a fun day of activities, riding around in gold carts, and an entertaining evening of live music and interesting conversations with the residents.
They noticed that they were getting a little bit more attention than seemed the norm, but assumed it was because they were younger and maybe it was fun for residents to have visitors on campus.  At one point they were chatting, sans their relative (who was elsewhere at the same clubhouse chatting with friends), with two older men (80's) and these individuals purchased drinks for them at the bar.  They both swear they can't remember taking their eyes off of their drinks, but they both began to experience hazy vision, slurred speech, etc. after one drink and the younger sister became notably sick.  Their relative escorted them home after the younger sister threw up shortly therafter. 
Long story short, their drinks had been drugged.

I don't remember what the resolution to this case was (this was 10 years ago now), nor do I know what moral I am trying to pass along by sharing it... but I guess I thought I'd do so.  Just like any other community, there can be some dark undertakings/questionable morality within the members of said community and sometimes 'crime rates' don't reflect these issues as accurately as one might like.

Roadrunner53

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Re: The Villages in Florida
« Reply #37 on: May 01, 2018, 11:15:30 AM »
I used to fly all the time for company business and would stop at the bar in the hotel for a couple of drinks. I am a married woman but would strike up conversations with men and women. I met some interesting people over the years like flight attendants and others. Many times I went to the bathroom and when I got back sometimes a drink was bought for me. Back then, I had never heard of these date rape drugs. I thank God I never had something llike that happen to me.

One time some old guy who was sitting many seats from me was trying to strike up a conversation with me but something was off. Then he came and tried to sit next to me. I got up and left. Then I was kind of scared to go thru the long hallways to my room so I hung out in the gift store for a while!

Also, heard in Mexico at some of the resorts booze has been spiked with drugs and some have died from whatever it is. It is a scary world out there.

Another time I had just pulled up in my rental car to my hotel and there was a back entrance to the wing I was staying at. A car seemed to follow me into the parking lot and parked behind me. I was not about to get out of my car. I waited and waited in my locked car and finally they left. I was scared to get out of my car to go into the building. There was no one at that doorway and was an elevator which is not something to be on with whacko. I hurried and did get to my room.

You have to be street smart but some creeps are smarter than us.

Daisy

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Re: The Villages in Florida
« Reply #38 on: May 01, 2018, 12:21:08 PM »
I have, if I do say so myself, excellent cleavage. Apparently I give off that pesky “happily married” vibe.

It could be the laugh that scares them.

:D

Yes your cleavage is spectacular.

I think Mr pbkmaine is secretly fending off your suitors, especially the HOT guys.

Daisy

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Re: The Villages in Florida
« Reply #39 on: May 01, 2018, 12:22:35 PM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

The joke I heard about The Villages is that swingers ride around in their golf carts with loofahs to indicate they are game. However, when visiting a friend at The Villages, I didn't see any loofahs on the golf carts. I think my friend was hiding their loofah collection from me and then probably took them out after I left. :-)

You are giving away all my secrets, Daisy!

I was trying to be discreet and not mention your name. Oh well, the truth is out.

pbkmaine

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Re: The Villages in Florida
« Reply #40 on: May 01, 2018, 02:37:31 PM »
pbkmaine, did you consider taking out a Home Equity Conversion Mortgage (HECM) when you bought in The Villages? This is the type of mortgage you do while selling your current home while buying a different home.

For instance, your house of $310,000 could possibly have been 'purchased' for approx. $155,000 and the other $155,000 never has to be paid back and you have no mortgage to pay as long as you live there. Therefore, the money leftover from your current home could be used for retirement purposes.

Do you know of people doing this in The Villages?

The other 'good' side of this is that it might allow a person to buy a more expensive home than they would have been able to afford. Like for instance if you wanted a $500,000 home, you'd only have to put down approx. $250,000 and no mortgage as long as you live there.

The down side is that your house basically has an equity loan on the unpaid portion and if you should move, you wouldn't get much money when you sell the house.

No, I paid cash. I hate debt.

pbkmaine

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Re: The Villages in Florida
« Reply #41 on: May 01, 2018, 02:37:54 PM »
Friends of a friend rented down there for a few years (as snowbirds) and bought a place this year.  They love it but I don't have any of the details you're looking for.

One note (that a google search probably told you):  Very high STD rate.  I guess they signal to each other that they're "looking for company" by leaving their garage door 1/2 way open?

The joke I heard about The Villages is that swingers ride around in their golf carts with loofahs to indicate they are game. However, when visiting a friend at The Villages, I didn't see any loofahs on the golf carts. I think my friend was hiding their loofah collection from me and then probably took them out after I left. :-)

You are giving away all my secrets, Daisy!

I was trying to be discreet and not mention your name. Oh well, the truth is out.


pbkmaine

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Re: The Villages in Florida
« Reply #42 on: May 01, 2018, 02:39:27 PM »
I have, if I do say so myself, excellent cleavage. Apparently I give off that pesky “happily married” vibe.

It could be the laugh that scares them.

:D

I prefer to think it’s my incisive wit.

UnleashHell

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Re: The Villages in Florida
« Reply #43 on: May 02, 2018, 04:05:03 AM »
I have, if I do say so myself, excellent cleavage. Apparently I give off that pesky “happily married” vibe.

It could be the laugh that scares them.

:D

I prefer to think it’s my incisive wit.

cutting!
or not enough loofahs.

MMM98

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Re: The Villages in Florida
« Reply #44 on: May 02, 2018, 08:16:49 PM »
Well here is someone besides pbkmaine who owns a home in The Villages.  We bought preretirement and rent it out.  Her numbers are reasonable, although I spend less on utilities with renters, who are not known to care about my utilities.  I do spend more on insurance and taxes.  My all in cost with utilities, cable/internet, lawn and pest, taxes, home owners, home owners association dues is just under 1,800 a month for a 400K property with no mortgage.

Let me shut down the std conversation as I actually looked at the std rates as reported to the state for all of Florida.  The rates are about at the median per capita.  Of course there is more to the county than The Villages.  Sorry to disappoint everyone who has some idea that Grandpa & Ma  had something going on with garage doors, loofahas or whatever bizarre signal that can be dreamed up. 

The Villages is unlike any other planned community: it is spotless, a safe place (low crime), a place where being 55+ does not mean you are marginalized.  It is also a place people like to hate: seniors have a purpose, the are all together, many have a high net worth, let's be honest a bunch of rich old people is scary.  We want to forget old people, we do not want to be reminded that we too will get old some day.  So out comes the std yarns, the Stepford wives stories, the comments on the sameness of a very very large development.  As PBK has said before it is not for everyone but 140,000 think so and it is growing every day.
« Last Edit: May 02, 2018, 09:23:18 PM by MMM98 »

DreamFIRE

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Re: The Villages in Florida
« Reply #45 on: May 02, 2018, 08:33:01 PM »

I think I played pickleball once back in the early 90's.   The paddles and playing on part of a tennis court.  I couldn't remember the name, but I think that was it.  It was actually kind of fun, but I never played again.

Roadrunner53

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Re: The Villages in Florida
« Reply #46 on: May 03, 2018, 06:27:53 AM »
MMM98 can you give a ball park on lawn and pest costs per month?

Currently we take care of our own lawn. We also do not need pest service here but more and more people are spraying for ticks here in CT.

I also spoke to a man about 5 years ago who lived part time in The Village and he said his house was starting to sink and he had to have a service come in and pump concrete around his house. Have you heard of this?  I said to him wouldn't that make the house lose value and he said no, that it would increase value because his house was fixed. I don't think I would feel comfortable with that knowledge. I have seen sinkholes on the news and the holes are larger than houses sometimes.

MMM98

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Costs of owning in The Villages
« Reply #47 on: May 03, 2018, 07:38:58 AM »
Pest. There are three types: Lawn, home and termite.  Lawn is 70.00 X 7 annually.  Since I don't live there I really don't have a choice but contract it out.  At this price I also get fertilization and weed control.   For home and termites I DIY with Taurus SC available on Amazon and elsewhere.  4 X year cost @ 10.00.  No problems at all.  I have hired this out and had ants, much better to DIY. 

It is a point of discussion among owners if DIY  termite treatments is a good idea.  I have been doing this myself in a termite prone area for 21 years and I have never had a problem with the insects or with selling the home w/o a termite 'bond'.  If I need a termite inspection when I sell, I will get it but I would not let this push an intelligent person away from DIY.

Lawn mowing: 50.00/mo. every month for a corner lot.  Prices are based upon the lot size, although I believe 50.00 a month is under market and 50.00 a month is the average interior lot pricing. 

Shrub trimming and weeding of shrub beds:  I DIY once a quarter although there are firms that will do this for you.  I have no idea what that would cost.

You mentioned courtyard villas with the privacy of a fence.  Larger designer homes are now available with a fence.

It is ever so tempting to buy new and often they are cheaper than used, however, it is quite common for owners to spend tens of thousands on upgrades.  People tend to do the same upgrades such as enclosing the lanai (covered porch) and perhaps air conditioning.  The net effect is you get the upgrades at significant discount often 75% off or more.  Most of the homes are under ten years old.  If you consider a  10-20 YO home you can probably get a fantastic view of a golf course or a water feature at little to no incremental cost over new construction.

Sinkholes are an issue in Florida, there is no predicting if or where they occur.  You can only insure against them.  Florida homeowners insurance comes with coverage - provided your home is condemned.  Usually this coverage comes with a large deductible (10%).  Some owners claim to have better coverage, and they may.  It is certainly not available to an absentee owner like me.  The reality of this is sinkholes are like hurricanes, earthquakes, mudslides, tornados or any other disaster that a given area is prone to.    The threat is there, it does happen and it is not likely to happen to you.
« Last Edit: May 03, 2018, 12:04:05 PM by MMM98 »

Roadrunner53

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Re: The Villages in Florida
« Reply #48 on: May 03, 2018, 08:02:47 AM »
MMM98, you have given a great synopsis of things I asked! Thank you!

Bateaux

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Re: The Villages in Florida
« Reply #49 on: May 03, 2018, 10:02:39 AM »
I recently stayed a few days in the Villages of Florida with a friend.  They have a lovely home.   The Villages are a bit too old of a crowd for me.  I was there looking at property just to the west in Citrus County.  It's more outdoors and natural world orientated.

 

Wow, a phone plan for fifteen bucks!