Planning for Three Retirements with the Last One at Lake Chapala

October 6, 2010

Planning 3 Retirements with the Last One at Lake Chapala
Retirement Research
A 2004 study by the Center for Retirement Research at  Boston College’s Center for Retirement Research in 2004 discovered over 80 % of married couples retired in different years. Usually it was the husband who retired first.
My own experience with my clients here at Lake Chapala bears this out. This may be because in general husbands tend to be older than wives and started work sooner and so are able to retire sooner.
As you’re no doubt finding out Retirement is a new beginning and like all new things it requires some careful thinking and planning.
Ask Yourself These 4 Questions About Retirement
# 1
Which of you should retire first if you can’t pull it off at the same time. This is both an emotional and a rational decision.
One of you may be very anxious to quit the rat race and    the other is still enjoying the challenge. Think about which retirement benefit will hurt family finances most.
# 2
If you’re the one retiring, should you claim Social Security at 62, the earliest possible age or opt for larger benefits later. (Both my first wife and each took ours at age 62).
With all that’s going on in Washington some are wondering just what Social Security will look like in a few years. How much will it buy, will they reduce the benefits, or raise the retirement age.
# 3
If your analysis looks like you may be eating a lot of Tuna Fish sandwiches after retirement, what do you do?
I have a plan which can boost your lifestyle, and reduce your taxes and health care costs all at the same time. I’ll outline it below.
# 4
What about part-time work after retirement?  Well, I guess you could become a ”Greeter” at the local WalMart. Nothing wrong with that, but most want to do something more fulfilling with their retirement time, I have some great ideas on this too below.
OK, Where’s the Meat ? Here the Meat  in a Nutshell
Move to Lake Chapala where you can live a Caviar Lifestyle on a Tuna Fish Pension.
You can live very well on less than $2,000 USD a month if you own a home. Many have a nice life here on even less.
We have homes form Under $100,000 to over 1 Million…


but no matter what your home budget is we all get to breath the same fresh mountain air, enjoy the year round spring like weather, beautiful flowering trees and the stunning lake and mountain views.
But, like the pitch man on late night TV says, “But wait, there’s more ! ” A lot more.
Low Cost Health Care
Full Health Care for under $300 USD a year (some restrictions apply the first year)
Unbelievably Low Home Taxes
Home taxes so low we brag about them instead of complain about them. My home is 2000 sq. ft, 3 bedroom, 3 bath 2 car garage with a large yard filled with fruit trees and gorgeous flowers in a nice area 5 minutes from Chapala in a nice area.
My yearly taxes are under $70 USD per year. I told you we brag about our low taxes.
No Need for Fire or Liability Insurance
I don’t carry fire insurance (My house is all solid brick with a cement roof and tile floors so not much danger of fire)
I don’t carry liability insurance on my home.
If someone steps in a hole on my property and breaks a leg the judge would tell them if they were so uninformed as to sue me, “What, you were not looking where you were walking?”
Affordable Domestic Help
I can afford a maid and gardener on my cop’s pension.
Always Something Fulfilling to Do


There are over 80 different English Speaking Clubs and Organizations here at Lake Chapala… and many of them involve “giving back” voluntarily without the government forcing you to “spread the wealth around”.
Well, I promised to give it to you in a nutshell. There’s so many good things to say it’s hard to put it all in a nutshell, even a very large one.
So, if I’ve wet your appetite to learn more here’s what you should do.
Get an insider to share his secrets about successful living here at Lake Chapala, Mexico …
E mail: and put “Planning Retirement” in the subject line so it will jump out at me when I scan the hundreds of e mail I get. I’ll personally answer each one.
As Exclusive Buyers Only Realtors affiliated with the local MLS and real estate group (GIL) the Dream Team is eager to be of help in any aspect of buying or renting a home here.
especially about how to get the best deal on a home here – There are some wolves in sheep’s clothing out there selling real estate and I’ll be happy to be your protector (35 years as cop makes me well qualified to help you avoid these guys).
NOTE: We are not rental agents… but we are willing to help when you come down for a visit to find a rental through the various rental agencies in the area assuming at some point you may consider buying a home here. (Note: There are a few wolves in sheep’s clothing in the rental business and we’ll steer you around them)
In short we play mother hen and protect you in all aspects of getting started on your new life here at Lake Chapala, Mexico.
Again for more information please send me an e mail to and put “Planning Retirement” in the subject line and …
I’ll personally answer your e mail ASAP.
All for now. Siempre tu amigo, Sid

P.S. I have a lot of happy clients and while I’m not one to blow my own horn too much, the big marketers teach that it’s good to add in some Testimonials… So, here’s one that a client posted on a local web board in response to a question about finding a good Realtor

"I came down for the first exploratory trip to look around last May. I spent quite a bit of time looking at real estate companies and their realtors and reading their backgrounds on the computer before the trip.

I liked the way one realtor had presented himself, along with his narrative explanation of his background and philosophy. I felt like this could be someone that I could work with. And boy did I pick a good one.

SID GROSVENOR responded to my emails and calls to his toll-free phone number and we were in business. He picked me up at the airport and set me up with a casita in a private residence for my weeks stay.

We spent the better part of the week looking at houses and the many diversified areas of Lakeside, met his lovely wife, visited his home, went out to dinner, and even to a movie one night. I couldn't have asked for a more comfortable, well informed, and accessible realtor.

He was not pushy in any way and "told it like it is" even knowing that I was not buying on that trip, and then gave me a ride back to the airport at 6:00am.

We hit it off well and have stayed in contact during the year. He is a wonderful individual and and excellent contact if you are need of a real estate person.

I will certainly use this man for my buying needs when we get to move down there, hopefully later this year. This was a non-solicited recommendation and without his knowledge or input.

Get in touch with him… you will be glad you did.
Email:    Senior Kentie

  • Joan Davenport

    Hi Sid
    I just read the testimonial from the gentleman and I have waited too long to tell you and the world how you treated me and took care of me buying a house in Ajijic. You must have shown me 35 different properties and drove us everywhere on both sides of the Lake. When I saw the house (now La Paloma) I knew it was the one. But the owner didn’t accept my first offer and I said I would wait 6 months. You totally kept in touch with me, picked me up and delivered me to the airport several times and even helped my friend drive all the way across Mexico from the border. You went through the closing and even kept an eye on the house while it was being remodeled while I was back in Oregon. I cannot tell you enough how I have appreciated your help and loyalty. I consider you my friend, not just my realtor. Please post this so other people will know what kind of a person you are. Thanks again.
    Joan Davenport

  • Sid Grosvenor

    Wow, Joan so good to hear from you and such a nice testimonial. I have tons of wonderful testimonials.

    I should share more of them.

    By the way everyone, Joan has another great B and B in the Oregon, Wine Country Farms. Thanks again Joan.

    Siempre tu amigo, Sid

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